Maybank Performance Outlook FY2019

Maybank Group FY2018 Overview New record net profit of RM8.11 billion on the back of strong net operating income of RM23.63 billion 10 1 2 Record Net Profit of RM8.11 billion New net operating income high of RM 23.63 billion supported by net fund based income growth of 3.1% YoY, as Group loans expanded 4.8% Overhead expenses lower by 1.0% YoY, resulting in PPOP growth of 4.2% YoY CIR of 47.4% within Group guidance of -48%, with positive JAWS position of 2.7% YoY Reduction in net impairment losses of 20.5% YoY Group ROE of 11.4%, exceeds Group guidance of -11% Asset Quality Indicators Lower QoQ Group GIL ratio of 2.41% due to slower new impaired loan formation and an increase in write-offs Slower YoY impaired loan formation resulted in a lower annual net credit charge off rate of 32 bps Loan loss coverage ratio including regulatory reserve of 93.6% as at end Dec 2018 3 Healthy Liquidity and Capital Positions Robust liquidity risk indicators with Group LCR at 132.4%, Group LDR at 92.7%, Group LTF at 86.2% and Group LTFE at 76.1% Total capital and fully loaded CET1 capital ratios at 18.51%* and 14.51%* respectively as at 31 Dec 2018 Attractive dividend yield of 6.0%, with total dividend per share of 57 sen Note: *After proposed dividend and assumption of 85% reinvestment rate. Maybank

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