Maybank Earnings Summary Q3 & 9M FY2020

Net Fund Based Income: 9M FY2020 (2/2) NIM compression of 19 bps for YTD 9M FY2020 with net mod loss impact, while QoQ NIM rebounded by 9 bps 8 5 Year Trend 2.27 Net Interest Margin (%) QoQ Trend 2.32 2.29 2.23 2.05 1.96 3Q '19 4Q '19 1Q '20 2Q '20 3Q '20 Rate cuts in 9M'2020: 2.36 ■ 125bps OPR cut 2.33 ■ 3-Mth Sibor reduces 130+bps 100bps cut in Indonesia's Reference Rate 2.27 2.13 Without mod loss 2.08 With mod loss FY2016 FY2017 FY2018 FY2019 9M FY2020 Maybank

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