Investor Presentation

Financial Results
Fourth Quarter & Full Year FY2012
21 February 2013 0
www.maybank.com

Table of Contents
Executive Summary Financial Performance Prospects & Outlook Appendix: Business Sector Review 1) Community Financial Services 2) Global Wholesale Banking

2 13 31

39 45

3) Maybank Singapore
4) BII 5) Other segments 6) Affiliates 7) Data tables & Glossary
1Financial Results: 12 Months FY2012 ended 31 December 2012

52
55 61 64 67

Maybank delivers on profitable and responsible growth strategy in 2012

Maybank records net profit of RM 5.7 billion, an increase of 17.6% YoY (FY2011: 16.6%) Superior shareholder value creation with ROE of 16.0% exceeding headline KPI of 15.6% Strengthened its domestic leadership with loans growing faster than industry's at 11.8% YOY Continued international expansion with overseas profit contribution growing to 30% (up 45.4% YoY) of Group profit. Maybank Singapore's PBT crossed RM1 billion mark whilst BII contributed RM554 million to Group PBT Maybank Islamic maintained its leadership with PBT of RM1.19 billion (up 25.0%) and total gross financing growing 18.3% to RM62.0 billion (representing 30.6% of Maybank Group's total domestic financing) Strong balance sheet with total assets of RM495 billion and RWCAR of 17.2% Asset quality continued to improve with Net Impaired Loans ratio of 1.09% and Loan Loss Coverage of 105.6%

Final net dividend of 28.5 sen per share amounting to RM2.4 billion. This brings total FY2012 net dividend to RM4.29 billion representing a net dividend payout ratio of 74.7%.
2 2

Growth across domestic & regional operations with double-digit performance across key financials
FY2012 RM bil PATAMI 5.74 CY2011 RM bil 4.88 % YoY +17.6%

PBT
Domestic International Net Income Net Fund Based Income Net Fee Based Income

7.89
5.51 2.38 16.60 10.18 6.42

6.88
5.24 1.64 14.82 9.19 5.63

+14.8%
+5.2% +45.4% +12.0% +10.8% +14.0%

Gross Loans
Domestic International Gross Deposits Domestic International 3

317.3
199.8 117.5 347.2 227.3 119.9

282.8
178.6 104.2 314.7 209.5 105.2

+12.2%
+11.8% +12.9% +10.3% +8.5% +14.0%

Despite pressures domestically & internationally, we were in line with targets & ahead of industry in Malaysia and Singapore

Key Performance Indicators Headline KPIs

FY2012 Targets

Maybank Achievement

Industry Average

Peer Average
(Based on YTD 3Q FY2012)

Peer 15.6%
15.2%

Return on Equity* Loans and Debt Securities Growth Other targets

Group Loans Growth Malaysia Singapore Indonesia Group Deposits Growth

16.0%
12.9%

15.7% 5.4%

16.2% 13.6% 11.4% 20.9% 12.3%

12.2% 11.8% 10.5% 20.8% 10.7%

10.4% 10.4% 23.1% -

5.9% 9.0% 11.8% 20.4% 6.1%

*ROE FY2012 includes weighted reallocation of additional RM3.66 bil capital raised in October 2012 Notes: Peer comparisons are based on YTD 3Q FY2012 results (annualised) of selected banks. Headline KPIs, group loans growth and group deposits growth are based on the the average for selected Singaporean & Malaysian banks with regional operations. Loans growth is based on the average annualised loan growth rate for loans disbursed in the respective market by selected banks.

Our operating ratios reflect on the improving fundamentals

(%) Net Interest Margins

FY2012 2.41 16.0 38.7 89.6 48.7

CY2011 2.53 (FP11) 15.7 38.0 87.5 49.9

Variance (12 bps) +30 bps +70 bps +210 bps (120 bps)

FP11 2.53 16.2 37.6 87.5 49.8

FY10/11 2.56 15.2 36.6 90.1 49.6

Return on Equity
Fee to Income Ratio Loans-to-Deposit Ratio Cost to Income Ratio# Asset Quality Gross Impaired Loans Ratio Net Impaired Loans Ratio Loans Loss Coverage Net Charge off rate (bps) Capital Adequacy (Group)^ Core Capital Ratio

1.78
1.09 105.6 23 13.43 17.24

2.84
1.86 86.9 20 11.57 16.29

(106 bps)
(77 bps) +18.7% +3 bps +196 bps +104 bps

2.85
1.86 86.9 25 11.57 16.29

3.34
2.25 82.3 23 11.68 15.20

Risk Weighted Capital Ratio

# ^

Total cost excludes amortisation of intangibles for BII and Kim Eng Figures for CY2011, FP2011 and FY2011/2010 are adjusted for dividend payment and reinvestment made under the Dividend Reinvestment Plan (DRP) and figures for FY2012 are assuming 85% reinvestment rate

With a footprint across ASEAN and expansion of business capabilities, our international PBT was up 45% YoY
PBT Contribution by Market
Malaysia Singapore Malaysia Singapore Indonesia 76.2% 69.8% PBT (RM bil) 7.89 6.27 5.37 30.2% 23.3% 15.2% 4.8% 24.2% 14.2% 4.6% FY2011 /2010 23.8% 15.1% 14.4% 7.0% FY2012 1.25 0.82 0.26 FY2010 Group Malaysia * 4.12 4.75 6.88 5.24 5.51 Total International

PBT growth by markets (%)

FY2011 Jun FY2010 Jun 15.3% 8.7% 11.6% 21.5% CY2011** Dec FY2011 Jun 10.2% 17.2% 19.7% 7.9% FY2012 Dec CY2011 Dec 5.2% 18.8% 59.8% 45.4%

Indonesia
Total International 76.7% 75.8%

5.0%
CY2011

1.52 0.89 0.29

FY2011 Singapore #

0.96 0.35 ** CY2011 Indonesia ^

1.64

2.38 1.14 0.55 FY2012 Total International

FY2010 /2009

* Malaysia = Domestic Banking Ops, Investment Banking, Insurance & Asset Management, Group Elim, Group Adjustment, Other Subsidiaries # Singapore = Singapore Branch and Kim Eng Group **PBT for CY2011 includes six months PBT in second half FY2011 ^ Indonesia = BII and MSI.

In the consumer market, we saw consistent market share growth & still see opportunities for growth
Strategic Objective 1: Undisputed No. 1 Retail Financial Services provider in Malaysia by 2015
Dec-09 Loans Total Consumer/Household Auto (Purchase of transport vehicles) Total Mortgage* Credit Cards # Unit Trust Deposits Total Retail Deposit Retail CASA Retail FD 18.4% 23.9% 15.2% Dec-09 Internet Banking - No. of Subscribers Mobile Banking - Active Users Branch Network N.A N.A 19.3% 18.5% 23.9% 15.3% Dec-10 55.2% N.A 19.0% 18.1% 23.3% 15.1% Dec-11 52.7% 87.0% 19.0% 18.3% 23.6% 15.2% Jun-12 50.1% 80.0% 19.0% 2 1 2 MBB Rank 1 1 1 15.7% 17.3% 13.4% 14.2% 72.0% 16.0% 17.6% 12.9% 14.0% 68.6% 16.4% 19.2% 13.2% 15.3% 63.9% 17.0% 20.2% 13.4% 15.2% 60.2% 2 2 2 2 1 Dec-10 Dec-11 Dec-12 MBB Rank

* Refers to Housing & Shophouse Loans # The above market share for Cards refers to Receivables. In terms of Cardbase, Billings and Merchant Sales, Maybank is ranked No. 1. The above industry figure includes commercial banks and Non-Financial Institutions

GWB gained significant industry recognition with Maybank Kim Eng having lead role in key deals
Strategic Objective 2: Leading ASEAN wholesale bank eventually expanding to Middle East, China & India
Malaysia League Table Mergers & Acquisitions

NOTABLE DEALS COMPLETED FROM JAN DEC 2012

Ranking

2012
Advisor Maybank CIMB Goldman Sachs Morgan Stanley BoA Merrill Lynch Market Share 36.49% 30.70% 26.97% 20.23% 13.95%

2011
Advisor CIMB Maybank RHB Goldman Sachs AmInvestment Market Share 45.09% 31.76%

2010
Advisor CIMB RHB Market Share 42.72% 31.35%

Malaysia

Philippines
1 2

RM 15.6 billion

RM 11.2 billion

RM 10.4 billion

RM 8.0 billion

RM 1.8 billion

3 4 5

24.53% Deutsche Bank 22.55% 22.42% Maybank 18.75%

IPO
Astro Malaysia Holdings Berhad Completed October 2012

Merger & Listing

Sapura Kencana Completed May 2012

IPO
Felda Global Ventures Holdings Bhd Completed June 2012

Sukuk
DanaInfra Nasional Bhd Completed July 2012

Term Loan Facility

San Miguel Corporation Completed April 2012

12.95% AmInvestment 14.33%

Source: Bloomberg, Dec 2012

RM 3.02 billion RM 616 million RM 6.6 billion RM 734.45 million
PHP 28.5 billion

Term Loan/IB
DRB-Hicom Bhd
Completed June 2012

Private Placement
Malaysia Airports Holdings Berhad Completed March 2012

Project Financing
Tanjung Bin Energy
Completed March 2012

IPO
Gas Malaysia
Completed June 2012

Term Loan Facility

South Luzon Tollway Corporation Completed March 2012

Malaysia League Table Malaysian Domestic Bonds

2012 Ranking 1 2 3 Advisor CIMB Maybank AmInvestment RHB HSBC Bank Market Share 26.8% 25.6% 16.9% 14.5% 3.9% 2011 Advisor CIMB Maybank AmInvestment HSBC Bank RHB Market Share 28.1% 25.7% 14.4% 7.0% 6.7% 2010 Advisor CIMB Maybank AmInvestment RHB HSBC Bank Market Share 28.1% 19.6% 19.0% 9.4% 7.3%

Singapore

Hong Kong

SGD 5.1 billion

SGD 5.0 billion

SGD 750 million

USD 600 million

Term Loan & Revolving Credit Facility Genting Hong Kong Limited Completed August 2012

Term Loan & RCF

Marina Bay Sands Pte Ltd Completed June 2012

Term Loan
MS Commercial Pte Ltd/ OphirRochor Comm Pte Ltd Completed April 2012

Term Loan
Khazanah Nasional
Completed April 2012

4 5

Source: Bloomberg, Dec 2012

We continue to hold the no.1 ranking in life & family and general & general takaful market share
Strategic Objective 3: Undisputed Insurance & Takaful Leader in Malaysia and Emerging Regional Player
Insurance & Takaful Market Share
19.7% (1) 20.7% (1) 18.2% (1) 16.6% (1) 18.7% (1) 39.0% (1) 16.4% (1) 13.4% (1) 12.7% (1) 28.3% (1)

Life & Family Takaful Market Share

General & General Takaful Market Share

49.4% 41.6%

45.3% (1)

48.0% (1) 38.6% (1) 35.6% (1) 34.6% 30.4%

(2) (1)

45.5%
(1)

(1)

37.7%
(1)

(1)

10.1% (1) 10.0% (1) 9.2% (2)

11.6% (1)

20.7% (1) 19.7% (1) 18.7% (1) 18.2% (1) 16.6% (1) 16.4% (1) 18.0% (1) 12.4% (4) 12.0% (4) 10.4%10.4% (4) 8.9% (4) (3)

9.2% (2) (1)

12.7% 13.5% (1) 10.0% 10.1% 11.6% (1)

(1) (1)

7.7%(2) 8.0%(3) 7.5%(3) 8.4%(2) 8.9%(3)

9.3%(3)

2007

2008

2009

2010

2011

2012

2007 2008 2009 2010 2011 2012 EIB ETB EIB & ETB

2007

2008 EIB

2009 ETB

2010

2011

2012

Life & Family

Source: LIAM / ISM Statistics

Gen & Gen Takaful

EIB & ETB

Notes: 1. Market ranking in the bracket. 2. 2012 data is for 12 months ended September 2012

International PBT contribution increases from 24% CY2011 to 30% in FY2012, with a total PBT of RM7.89bil
Strategic Objective 4: Truly regional organisation, with ~40% of pre-tax profit derived from international operations by 2015 FY2012
(Jan 12 Dec12)

Revenue
5.5% International: 30%

Profit Before Tax

8.8% 7.0% 14.4% International: 37% 8.2%

Gross loans*
6.4%

International: 36%

15.4%

14.8%

RM16.60b
64.2%

RM7.89b
69.8%

22.1%

RM317.3b
63.3%

CY2011
(Jan 11 Dec 11)

4.0%

Malaysia

Singapore 4% 16% 12% 68%

5.2%

Indonesia

Others
8.4%

3.5%

6.4%

15.2%

15.1% 14.4%

RM14.82b
66.3%

RM6.88b
76.2% International: 24%

21.8%

RM282.8b
63.4%

International: 34%

International: 37%

* Including Islamic loans sold to Cagamas and excludes unwinding of interest

10

10

Maybank Islamic surpasses RM1.0 bil PBT mark and is among the top 3 underwriters in the Global Islamic Bond market
Strategic Objective 5: Global leader in Islamic Finance
Maybank Islamic PBT
1,400.0 1,200.0 1,000.0 800.0 600.0 400.0 200.0 Dec 09 Dec 10 Dec 11 Dec12 462.0 952.8 1,190.1

Maybank Islamic Contribution to MBB Domestic Financing as at December 2012

Maybank Islamic
MBB Domestic

Year Dec-10 Dec-11 Dec-12

Contribution 26.1% 28.5% 30.6%

697.9

30.6% 69.4%

Maybank Islamic Market Share (Malaysia)

30.0%
25.0% 20.0% 15.0% 10.0% Dec -09 Dec -10
Financing

Global Islamic Bond Market League Table

26.2%
Underwriter HSBC Bank PLC CIMB Maybank Standard Chartered Bank Am Investment Bank Bhd Deutsche Bank AG RHB Citi Qinvest Investment Banking National Bank of Abu Dhabi Rank Market Share (%) Amount (RM mil) 1 19.6 33,855.5 2 16.0 27,560.8 3 15.2 26,546.0 4 5.1 8,778.2 5 9.8 17,412.9 6 4.7 8,151.2 7 7.5 13,076.7 8 2.6 4,476.7 9 1.8 3,020.3 10 1.7 2,920.3
11

23.6%

24.5%

26.1%

22.1% 17.0%

23.2%

14.8%

Dec -11
Deposit

Dec -12

Issues 84 192 159 19 92 9 127 8 3 8

11

Table of Contents
Executive Summary Financial Performance Prospects & Outlook Appendix: Business Sector Review 1) Community Financial Services 2) Global Wholesale Banking

2 13 31

39 45

3) Maybank Singapore
4) BII 5) Other segments 6) Affiliates 7) Data tables & Glossary
Financial Results: 12 Months FY2012 ended 31 December 2012 12

52
55 61 64 67

Group Performance: Record PATAMI of RM 5.74 billion, delivering EPS of 72.7 sen
(RM mil)
Net interest income Net Fund based income (Islamic Banking)

12M FY12
8,480.7 1,699.4 10,180.1 5,273.7

12M CY11
7,624.4 1,560.9 9,185.3 4,499.7

YoY
+11.2% +8.9% +10.8% +17.2%

4QFY12
2,194.9 396.4 2,591.3 1,205.4

2QFP11
2,152.7 427.0 2,579.7 1,151.5

YoY
+2.0% (7.2%) +0.4% +4.7%

Net Fund Based income

Non-interest income Fee based income (Islamic Banking)

496.9
652.4 6,423.0 16,603.1 (8,158.1) (702.9) 7,742.1 152.5 7,894.6 5,744.7 72.7

278.0
856.0 5,633.7 14,819.0 (7,457.9) (626.0) 6,735.1 140.1 6,875.2 4,884.0 65.1

+78.8%
(23.8%) +14.0% +12.0% +9.4% +12.3% +15.0% +8.9% +14.8% +17.6% +11.6%

130.0
304.2 1,639.5 4,230.8 (2,137.0) (178.5) 1,915.3 34.0 1,949.3 1,459.6 17.3

64.7
249.6 1,465.8 4,045.4 (2,054.0) (298.6) 1,692.9 37.7 1,730.6 1,259.0 16.7

+100.9%
+21.9% +10.2% +4.6% +4.0% (40.2%) +13.1% (9.8%) +12.6% +15.9% +3.4%

Net income from insurance business*

Net Fee Based income Net income

Overhead expenses Impairment losses

Operating profit
Share of profits in associates Profit before taxation and zakat

Profit after Tax and Minority Interest (PATAMI)

EPS - Basic (sen)

13

* Net of insurance claims

13

First-time adoption of Malaysian Financial Reporting Standards ("MFRS") and changes in accounting policies
The Groups and the Bank's opening statements of financial position was prepared as at 1 July 2011, being the Groups and the Bank's date of transition to MFRS. The key changes from the adoption of MFRS effective 1 Jan 2012 are: Revised Financial Reporting Guidelines ("FRG") for Insurers issued by BNM or reclassification of non-par unallocated surplus from liabilities to equity; Re-designation of previously recognised financial instruments which were previously classified as financial investments held-to-maturity to financial investments availablefor-sale; Change in the presentation of "Life, general takaful and family takaful fund assets", "Life, general takaful and family takaful fund liabilities" and "Life, general takaful and family takaful policy holders' funds" on the consolidated statement of financial position; Adoption of Financial Reporting Standards Implementation Committee Consensus 18 Monies Held in Trust by Participating Organisation at Bursa Malaysia Securities Berhad ("FRSIC Consensus 18"); Reclassification of "Software development-in-progress" from Property, Plant and Equipment to Intangible Assets; and Financing sold to Cagamas.

14

14

All sectors saw positive operating profit & higher revenue growth
+12.0% Global Wholesale Banking (GWB) Revenue (RM million)
14,819 16,603 +5.1% (including reclass) +32.9% (excluding reclass) CY 2011 FY 2012

+34.8%

13.6% (normalised) 14.7% (based on Gross Written Premium) +15.5%

5,172 4,477

+3.7%
6,626 6,871

+54.3%

+10.7%

+44.0%

-2.9%

1,492 Total Community Financial Services

2,301

1,546 1,711 Global Markets

888 1,279 Investment Banking (Inc. Kim Eng) International Banking +35.6% (excluding reclass)

1,232 1,197 Insurance, Takaful Insurance & & Takaful Asset Management

Corporate Banking

Operating Profit before impairment losses (RM million)

+14.7%
8,445 7,361 +5.3% (including reclass)

Global Wholesale Banking (GWB)

+39.5%

+12.9% (based on normalised)

+2.2%
3,253 3,324

+60.5%
1,182 1,897

+9.7%
1,347 1,479

+146.7%

+26.2%
2,070 2,613

-12.1%

142 Global Markets

349 International Banking

808

711

Total

Community Financial Services

Corporate Banking

Note: CFS & GWB YoY growth adjusted to include net profit impact of reclassed loans & deposits transferred to GWB in 2011. CFS operating profit on adjusted basis would be RM3,253m (CY11) & RM3,427m (FY12) and CFS adjusted revenue RM6,682m (CY11) & RM7,023m (FY12). Net insurance & takaful income 2011 includes included 18 months of actuarial surplus. Normalised net income for 2011 comparable to that of 2012 would be reduced by RM178.7 mil (excluding 6 months Life fund surplus of RM80.4 mil from July 2010 & Dec 2010 & and one-off net surplus adjustment in Dec 2011 of RM98.3 mil due to change in actuarial liability valuation basis)

Investment Banking (Inc. Kim Eng)

Insurance, Takaful Insurance & & Takaful Asset Management

15

Group revenue strengthened in line with a 14.0% increase in fee-based income and 10.8% in fund-based income
Net Fund Based Income rose 10.8%
+10.8%
9,185 Global Wholesale Banking (GWB)

10,180

+4.5% (including reclass)

+19.7% -21.1%

+16.5% (excluding reclass)

CY 2011

FY 2012

RM million

+3.1%
5,048 5,205

+48.3%

-10.7%

+16.5%
3,466

+32.7%

2,976
1,014 1,505 Total Community Financial Services Corporate Banking 678 606 206 163 International Banking +47.5% (excluding reclass)

83

110

Global Markets

Investment Banking

Insurance & Insurance, Takaful Takaful & Asset Management CY 2011 FY 2012

Fee-based Income grew by 14.0%

+14.0%
5,634 6,423 +6.9% (including reclass)

Global Wholesale Banking (GWB)

+48.9%

+12.0% (normalised) +66.9%

477 797

RM million

+5.5%
1,578 1,666

+27.3%
868 1,106

+63.7%
682 1,116 Investment Banking

+13.7%
1,501 1,707

-5.4%
1,149 1,087

Total

Community Financial Services

Corporate Banking

Global Markets

International Banking

Insurance, Takaful Insurance & & Takaful Asset Management

Note: CFS & GWB YoY growth adjusted to include net profit impact of reclassed loans & deposits transferred to GWB in 2011. CFS net fund based income on adjusted basis would be RM5,124m (CY11) & RM5,357m (FY12) and CFS adjusted fee based income for 2011 would be RM1,558 m. Net insurance & takaful income 2011 includes included 18 months of actuarial surplus. Normalised net income for 2011 comparable to that of 2012 would be reduced by RM178.7 mil (excluding 6 months Life fund surplus of RM80.4 mil from July 2010 & Dec 2010 & and one-off net surplus adjustment in Dec 2011 of RM98.3 mil due to change in actuarial liability valuation basis)

16

Revenue increased by 12.0% YoY to RM 16.6 billion

Revenue contribution by country
International:
35.8%

Singapore , 14.8% Indonesia , 15.4% Other International, 5.5%

International:
30.5%

Singapore, 11.0%

Malaysia , 64.2%

FY2012 RM 16.6 bil

Malaysia, 69.6%

CY2011 RM 14.8 bil

Indonesia, 15.2% Other international , 4.3%

Revenue segmental breakdown by country Malaysia

6,871 SGD million

Singapore
402 398 105

Indonesia
3,651 2,570

RM million

4,012

Rp. billion

1,185

1,158

545
Consumer Banking GWB ^

16
MKE MKE Investment Insurance Banking Consumer GWB SME + Syariah

CFS

GWB

Insurance & Maybank Asset Investment* Management *

17

*Excluding Maybank Kim Eng Singapore operations

^ Includes business banking and global markets

17

Non-Fund Based Income increased by 14.0% YoY to RM6.4 billion*

+72.2% 5,274 4,500 RM million +19.2% 3,585

3,007
+48.0% +123.7% -16.4% -4.3%

-3.7% (normalised) -23.8% +78.7%

428

633 -108
26

761

636

856 412 394

652 278

497

Total noninterest income

Commission, service charges and fees

Investment & Trading Income

Unrealised Foreign Exchange gain/(losses) on profit securities & derivatives

Other Income

Net income from Fee income from Insurance & Islamic Takaful Business Operations

Note: Net insurance & takaful income 2011 includes included 18 months of actuarial surplus. Normalised net income for 2011 comparable to that of 2012 would be reduced by RM178.7 mil (excluding 6 months Life fund surplus of RM80.4 mil from July 2010 & Dec 2010 & and one-off net surplus adjustment in Dec 2011 of RM98.3 mil due to change in actuarial liability valuation basis) * Includes net income from insurance and takaful business & fee income from Islamic operations

18

Group Fee-based Income from 2010 to 2012

Fee to income ratio FY2010 34.5 5,194 7,000 6,000 5,000 4,000 3,000 2,000 1,000 0 -1,000 FY 2010 FY 2011 RM million FY2011 36.6 4,937 CY2011 38.0 5,634 FY2012 38.7 6,423 Fee income from Islamic Operations Net income from Insurance & Takaful Business Other Income Foreign Exchange profit Unrealised gain/(losses) on securities & derivatives Investment & Trading Income

Commission, service charges and fees

CY 2011* FY 2012 Foreign Exchange profit 848 836 761 636 Net income from Insurance & Takaful Business 425 557 856 652 Fee income from Islamic Operations 103 265 278 497

FY 2010 FY 2011 CY 2011* FY 2012

Unrealised Commission, Investment & gain/(losses) on service charges Trading Income securities & and fees derivatives 2,607 253 (20) 2,671 3,007 3,585 375 428 633 (38) (108) 26

Other Income
978 272 412 394

Total 5,194 4,937 5,634 6,423

* Fee based income for CY 2011 includes six months income in second half FY 2011.

19

19

Positive Jaws with overheads increasing 9.4% YoY against revenue growth of 12.0% YoY
Positive Jaws
FY2011 YoY Income Growth (%) YoY Overhead Growth (%) JAWS 8.9% 14.2% (5.3%) FY2012 12.0% 9.4% +2.6%

Group overheads composition

(RM mil) Personnel costs IT Expenses Marketing Expenses Admin, general expenses, fees & brokerage and establishment costs Total 12M FY12 4,589.4 559.4 574.8 12M CY11 3,993.6 549.7 507.2 YoY +14.9% +1.8% +13.3% YoY (exc. KE) +12.2% +1.4% +12.5% 1QFY12 1,120.9 130.3 108.2 2QFY12 1,173.1 131.5 123.7 3Q FY12 1,192.6 134.9 116.0 4QFY12 1,102.6 162.6 226.8 QoQ (7.6%) +20.6% +95.5% QoQ (exc. KE) (8.2%) +17.0% +95.6%

2,434.5

2,407.4

+1.1%

+1.5%

635.4

553.9

600.4

645.0

+7.4%

+7.9%

8,158.1

7,457.9

+9.4%

+8.1%

1,994.8

1,982.3

2,044.0

2,137.0

+4.6%

+4.3%

20

Group Gross Loans increased by 12.2% YoY with international loans growth of 12.9%, slightly ahead of domestic at 11.8%
Dec 12 317.3 199.8 135.4 64.5 Dec 11 282.8 178.6 120.7 57.8 YoY +12.2% +11.8% +12.2% +11.5% 3Q FY12 304.8 195.2 132.0 63.2 25.1 9.8 QoQ +4.1% +2.3% +2.5% +2.0% +8.8% (1.4%)

Group Gross Loans *

Malaysia (RM billion)**

Community Financial Services Global Wholesale Banking Singapore (SGD billion) Consumer Commercial Indonesia (Rupiah trillion) Consumer Non-consumer Other markets (RM billion) Investment banking (RM billion)

27.3
9.6 17.7 81.1 28.9 52.2 20.6

24.7
9.9 14.8 67.2 20.6 46.6 18.4

+10.5%
(2.6%) +19.2% +20.8% +40.4% +12.1% +12.2%

15.3
75.9 21.9 54.0 19.9 2.7

+15.2%
+6.9% +32.2% (3.4%) +3.8% +10.4%

3.0

1.9

+56.8%

*Including Islamic loans sold to Cagamas and excludes unwinding of interest **Takes into account others portion - Dec 12: (0.1) vs Dec 11: 0.1

21

21

Domestic Gross Loans increased 11.8% YoY with robust growth in consumer, SME and corporate loans

RM billion Community Financial Services Consumer Total Mortgage Auto Finance Credit Cards Unit Trust Other Retail Loans Business Banking + SME SME Business Banking Global Wholesale Banking (Corporate) Total Domestic*

Dec 12 135.4 108.3 48.5 31.2 5.4 21.9 1.3 27.1 4.9 22.2 64.5 199.8

Dec 11 120.7 94.9 42.1 27.7 5.3 18.5 1.3 25.8 4.4 21.4 57.8 178.6

YoY +12.2% +14.1% +15.2% +12.9% +1.0% +18.1% +3.9% +5.0% +10.3% +3.9% +11.5% +11.8%

3Q FY12 132.0 104.5 46.9 30.5 5.2 20.6 1.3 27.5 4.7 22.8 63.2 195.2

QoQ +2.6% +3.6% +3.4% +2.3% +2.8% +6.3% +1.4% (1.7%) +3.7% (2.8%) +2.0% +2.3%

* Includes others portion Dec 12: (0.1) vs Dec 11: 0.1

22

Group gross deposit increases 10.3%, with international growing faster at 14.0%

Dec 12
Group Gross Deposits* 347.2 227.3 35.5 56.9 114.6 20.3 29.9 3.3 2.9 23.1 0.6 86.1 18.8 14.7 52.6

Dec 11
314.7 209.5 32.9 47.5 103.2 25.9 26.5 2.9 2.8 20.2 0.6 70.4 17.6 12.4 40.4

YoY
10.3% 8.5% 8.0% 19.6% 11.1% -27.5% 12.7% 11.4% 3.8% 14.3% 5.6% 22.3% 6.7% 18.6% 30.2%

3Q FY12
330.5 217.1 34.6 52.2 103.2 27.0 28.8 3.3 2.8 22.1 0.6 80.0 16.8 12.9 50.2

QoQ
5.0% 4.7% 2.7% 8.9% 11.0% -32.6% 3.7% -0.6% 4.7% 4.5% -5.2% 7.6% 11.9% 13.8% 4.9%

Malaysia (RM billion)

Savings Deposits Current Accounts Fixed Deposits

Others
Singapore (SGD billion) Savings Deposits Current Accounts

Fixed Deposits
Others Indonesia (Rupiah trillion) Savings Deposits

Current Accounts
Fixed Deposits
* Includes other overseas & subcos figures

23

23

Stable Group LDR of 89.6% and CASA ratio strengthens to 35.1%

Group
86.8% 88.4% 90.1% 87.5% 87.2% 86.9% 90.0% 89.6%

Malaysia
88.8% 88.9% 87.7% 82.6% 83.9% 81.6% 88.0% 86.3%

37.0% 37.3% 36.3% 33.6% 33.6% 33.1% 34.6% 35.1% Jun 10 Dec 10 Jun 11 Dec 11 Mar 12 Jun 12 Sep 12 Dec 12

43.9% 43.6% 41.6% 38.4% 39.3% 37.2% 40.2% 40.7% Jun 10 Dec 10 Jun 11 Dec 11 Mar 12 Jun 12 Sep 12 Dec 12

Singapore
87.5% 96.4% 92.5%

BII
86.6% 89.4% 86.7% 90.8%
91.3% 90.7% 88.1% 93.9% 95.4% 94.3% 93.4% 93.1%

81.2%

21.6% 23.4% 23.2% 21.8% 20.1% 21.6% 21.2% 20.8%

42.6% 41.9% 40.5% 42.6% 39.3% 38.4% 37.2% 38.9% Jun 10 Dec 10 Jun 11 Dec 11 Mar 12 Jun 12 Sep 12 Dec 12

Jun 10 Dec 10 Jun 11 Dec 11 Mar 12 Jun 12 Sep 12 Dec 12

24

24

Asset quality continues to show significant improvements

Allowance for losses on loans

Allowance for losses on loans Loans loss coverage

Group Impaired Loans Ratio

Net Impaired Loan Ratio Gross impaired loan ratio

800 700 600 500 400 300 200 100 0 94.5% 86.9%

104.2% 104.7% 105.6% 86.9%

105.6%

110

4.60%4.67% 4.20%

642.7

90

3.67% 3.34% 3.23% 2.84% 2.83% 2.99% 2.74% 2.39% 2.25%2.18% 2.44% 2.00%1.90% 1.78%

70 449.0 50

230.3

195.9 199.4 87.4

30

1.86%
1.57% 1.28%1.22%

160.0
10

1.09%

-10
2Q FP11 1Q FY12 2Q FY12 3Q FY12 4Q FY12 Dec 11 Mar 12 Jun 12 Sep 12 Dec 12 CY12 FY12 1 Jul Sep Dec Mar Jun Sep Dec Mar Jun Sep Dec 10 2010 2010 2011 2011 2011 2011 2012 2012 2012 2012 Day 1

25

All markets recorded YoY improvements in asset quality

Malaysia
GIL Ratio 3.93 3.82 3.51 0.53 2.89 2.70 2.62 0.53 0.53 0.45 2.87 2.74 * 2.29 2.25 NIL Ratio 0.62

Singapore
GIL Ratio NIL Ratio

BII
GIL Ratio

4.15

4.03 *

NIL Ratio

0.46 0.47

2.43 2.00

2.24

2.10

1.99 0.26

0.33 0.32 0.32 0.31

2.09

2.15 2.18

1.59

1.48 1.28 0.14

0.18 1.20 1.10 1.30 1.00 0.90

Jun'11 Sep'11 Dec'11 Mar'12 Jun'12 Sep'12 Dec'12

Jun'11Sep'11Dec'11Mar'12Jun'12Sep'12Dec'12

Jun'11Sep'11Dec'11Mar'12Jun'12Sep'12Dec'12

* Sharp decline is due to recovery write-offs

26

Capital Adequacy remained strong with DRP and RWA optimisation and following equity placement
Full electable portion paid in cash 16.62% 12.81% 10.34% Assuming 85% reinvestment rate 17.24% 13.43% 10.96% Full electable portion reinvested 17.35% 13.54% 11.07%

31 Dec 12

31 Dec 12 Common Equity Tier 1 Ratio* Core Capital Ratio^ 17.12%

31 Dec 12 RWCR^ 17.27%

16.27% 16.01% 31 Dec 12

16.86%

17.01%

31 Dec 12 Common Equity Tier 1 Ratio*

31 Dec 12 Core Capital Ratio & RWCR^

Note: ^ Core Capital Ratio and Risk Weighted Capital Capital Ratio are computed based on Basel II requirements under BNM. * - Common Equity Tier 1 (CET1) Ratio computation is based on transitional arrangements according to BNMs guideline issued on 28 Nov 12. - Based on 85% reinvestment rate under the DRP, assuming without transitional arrangements, the CET1 Ratio would be at 10.00% (Group) and 8.23% (Bank) respectively. However, if based on MAS capital rules, the CET1 Ratio would be higher by 1.08% (Group) and 0.93% (Bank) respectively. - Assuming without private equity placement of RM3.66 billion, the CET1 Ratio would be lower by 1.30% (Group) and 1.77% (Bank) respectively.

27

The Groups payout ratio remains at 75%

The Board has recommended a gross final dividend of 33 sen per share less 25% tax which will consist of 4 sen cash portion and 29 sen electable portion for the Dividend Reinvestment Plan. This continues Maybanks trend of declaring high dividend yield amongst Asian banks

Gross Dividend (sen) and Payout Ratio (%)

76.5%
60.0% 61.0% 74.9%

Dividend Payout Ratio

79.9%

74.7%

32 18
44
88.6%* 86.1%*

33 #
NA

Final Interim 36
88.5%*

26 8 FY08** FY09 11 FY10

28
91.1%*

32
88.2%

FY11

FP11

FY12

* Reinvestment rate for the Dividend Reinvestment Plan ** adjusted for 1:4 Bonus Issue in February 2008 and 9:20 Rights Issue at RM2.74 in March 2009 # The Net Dividend is 28.5 sen of which 15 sen is single-tier dividend.

28

28

Table of Contents
Executive Summary Financial Performance Prospects & Outlook Appendix: Business Sector Review 1) Community Financial Services 2) Global Wholesale Banking

2 13 31

39 45

3) Maybank Singapore
4) BII 5) Other segments 6) Affiliates 7) Data tables & Glossary
Financial Results: 12 Months FY2012 ended 31 December 2012 29

52
55 61 64 67

Macro Environment: Malaysia

Economic Outlook
GDP in 2013 expected to remain strong above 5.0% (2012 of 5.6%) due to sustained domestic demand and strong investment Investment will remain a key growth driver with role out of ETP projects Faster inflation rate of 2.5% in 2013 (2012 estimate of 1.6%) on impact of min. wage & subsidy rationalisation (gas, fuel) Pricing in a 25bps OPR hike in 4Q 2013 as inflation rate picks up MYR/USD of 2.98 by end-2013 (end-2012: 3.06) after temporary weakness in 1Q 2013

Banking Outlook
Resilient household loan demand System loans expanded 10.4% YoY in 2012, down from 13.6% YoY in 2011. Household lending rose by 11.4% YoY while non-household loan growth slid to just 9.2% YoY in Dec 2012. Liquidity was more than ample with a loan-todeposit ratio of 82.1%. Amid stable economic growth, it is projected that loans will grow at 10-11% in 2013. Flowthrough from ETP projects should support lending and PDS activity. NIMs remain under pressure from mortgage book substitution and competitive funding rates but compression should be less this year, given that lending rates have stabilized.

30

30

Macro Environment: Singapore

Economic Outlook
Regionally better real GDP growth expected in 2013 (3.0% vs 1.2% in 2012) as external demand (30% of GDP) improves A slightly lower inflation rate of 3.8% in 2013 (2012: 4.6%) on softer property rents, SGD appreciation Interest rate to remain low in an environment of ample global and local liquidity SGD/USD of 1.19 by end-2013 (end-2012: 1.22) as MAS maintain policy of gradual ER appreciation
25.0 20.0 15.0
10.6

Banking Outlook
In line with the slowdown in economic growth, bank lending in Singapore is also likely to moderate. Notably, demand for housing loans is anticipated to weaken after the government announced a seventh round of property tightening measures to curb investment purchases.

Real GDP % YoY 19.8

16.5 12.5

10.0 5.0

9.1
6.0 3.6 1.2 1.6 2.5

0.3

1.1

0.0

Dec-10

Dec-11

Mar-10

Mar-11

6.0

5.0
4.0

3.0
2.0
CPI % YoY

1.0

May-

May-

Jan-10

Jan-11

Nov-10

Nov-11

Jan-12

May-

0.0

Mar-12

Mar-10

31

Mar-12

Mar-11

Nov-12

Sep-10

Sep-11

Sep-12

Jul-11

Jul-12

Jul-10

Dec-12

Sep-10

Sep-11

Sep-12

Jun-10

Jun-11

Jun-12

31

Macro Environment: Indonesia

Economic Outlook
Economy to sustain above-6% growth (2013 estimate of 6.7% vs 2012: 6.2%) on demography, FDI & infrastructure developments Higher inflation rate (2013 estimate of 5.3% vs 2012 estimate of 4.3%) on fuel subsidy adjustment following min. wage hike Benchmark interest rate to rise to 6.25% by end-2013 (end2012: 5.75%) to restore macro balance & stability IDR/USD (end-2013: 10,400; end-2012: 9,637) under pressure on emergence of twin deficits
7.0 6.8 6.6 6.4 6.2 6.0 5.8 5.6 5.4 5.2
6.8 6.4 6.3 5.9

Banking Outlook
Solid industry performance reflected by high capital adequacy ratio (17.4% FY2012) and well maintained non-performing loans ratio(1.9% FY2012). Credit grew by 23.1% YoY in FY2012, with working capital loans growing by 23.2% YoY, investment credit growing by 27.4% YoY and consumer credit growing by 20.0% YoY. Loan to deposit ratio (LDR) increased from 78.77% in 2011 to 83.58% in 2012. With a decreasing ratio of operating expenses to operational revenues (85.4% in 2011 to 74.10% in 2012), the Indonesian banking sector is reflecting better efficiency.

Real GDP % YoY

6.5 6.5 6.3 6.4 6.2 6.1

6.5

5.8

Dec-11

Mar-10

Mar-11

32

Mar-12

Dec-12

Dec-10

Sep-10

Sep-12

Sep-11

Jun-10

Jun-11

Jun-12

32

We will continue building strong differentiators that enable us to pull away from our competitors

Moving into 2013:

Strong regional brand as a Leading ASEAN Financial Services Group, with a complete regional GWB proposition (Client Coverage, Industry Expertise, Pan-Asian Network, and Bespoke Solutions)

Recognized as a Global Leader in Islamic Banking Build Truly Competitive Differentiators

Humanising Financial Services mission as a unifying force across the Group to unlock the passion and commitment of all Maybankers to go above and beyond for our customers. The Bank with a Heart, with a strong reputation for corporate social responsibility, thereby generating goodwill and trust with our external stakeholders. A Top-of-Mind position in Malaysia for Superior Customer Service Quality, propagated across the Group

An unparalleled yet cost-optimal network coverage of Malaysia, being at the heart of each community we serve.

33

33

In 2013, the Group will focus on 3 key strategic priorities

Raise the tempo for Regionalisation

Accelerate the move to a High Performance Culture

3 Change the Cost Structure Extend cost restructuring initiatives throughout the Group Enable cost optimisation by more granular, frequent and automated measurements. Drive continuous improvement in efficiency and effectiveness through business process improvements.

Start harvesting value from regional initiatives Accelerate transformation program in Indonesia Develop clear growth strategy in Singapore Implement transformation to hyper-grow in Philippines Increase network and human capital in Growth markets

Heighten focus on training and job rotation / international assignments Rigorously implement and track productivity metrics throughout the Group Propagate risk-based pricing across all key products and segments.

34

34

Targets for 2013

Return on Equity
15.0%

Group Loans Growth

12.0%
Malaysia 12.0% Singapore* 11.0% Indonesia* 22.0%

Group Deposits Growth

12.0%

35

*Loans growth in local currencies

35

Our view of 2013

Optimistic on the growth prospects of ASEAN, as countries take on infrastructure investments to structurally improve domestic economies
Singapore will continue to be an important hub for trade finance and M&A activity, while Indonesia expected to build on strong domestic economy & maintain growth projections Malaysia, where 66% of the Group's gross loans originate from, expected to continue with ETP investment momentum Maybank's is now strategically positioned across ASEAN, and well placed to further grow international operations towards a 40% PBT contribution Strategic capabilities across consumer and global wholesale banking are building up in key markets, supported by a strong home base Strong capital position to support at least 12% growth in risk-weighted assets in the near term, with a focus on providing sustainable returns to shareholders

36 36

Table of Contents
Executive Summary Financial Performance Prospects & Outlook Appendix: Business Sector Review 1) Community Financial Services 2) Global Wholesale Banking

2 13 31

39 45

3) Maybank Singapore
4) BII 5) Other segments 6) Affiliates 7) Data tables & Glossary
Financial Results: 12 Months FY2012 ended 31 December 2012 37

52
55 61 64 67

Community Financial Services: Mortgage

Continued growth in loan balances despite intense competition
+15.2% YoY

Asset quality continued to improve

2.2% 1.9%

42.1 RM billion 5.7 36.4

43.4 6.1 37.3

45.2 6.6

46.9 7.1 39.8

48.5 7.5 40.9 1.6% 1.3%

38.6

1.1%

Dec 11

Mar 12 Housing loans

Jun 12

Sep 12

Dec 12

Dec' 11

Mar' 12

Jun' 12

Sep 12

Dec 12

Shophouse loans

Gross Impaired loan ratio - Mortgage

Mortgage market share maintained in the latest quarter

Continued momentum in mortgage disbursement in 4Q FY12

5.8 4.6 2.7 4.7 4.6

13.4% 13.3% 13.2%

13.4%
RM billion

5.1

3.0

3.0

3.0

3.0

Dec 11

Jun 12

Sep 12

Dec 12

* Industry refers to residential property and shophouses.

Mortgage Approval (RM billion)

Dec 11

Mar 12

Jun 12

Mortgage Disbursement (RM billion)

Sep 12

Dec 12

* Based on cumulative 3 months figures

38

Community Financial Services: Auto Finance

Auto Finance* grew 12.9% in Dec 2012
+12.9% YoY 27.2
RM billion

Asset quality improved

21.0% 20.5% 20.0% 19.5% 19.0% 18.5% 18.0% 17.5% 17.0% 2.0% 19.4% 19.9% 0.5% 0.6% 20.2% 20.4% 20.5% 1.5% 1.0% 0.5% 0.5% 0.4% 0.5% 0.0% Dec 11 Mar 12 Jun 12 Sep 12 Dec 12 Gross Impaired loan ratio Hire Purchase Market Share

28.0

29.1

29.9

30.7

Dec 11

Mar 12

Jun 12

Sep 12

Dec 12

Non-national cars formed 65% of Auto Finance* loans

New cars formed 88% of total Auto Finance* loans

65%

64%

65%

65%

65%

87%

87%

88%

88%

88%

35% Dec 11

36% Mar 12 National Cars

35% Jun 12

35% Sep 12

35% Dec 12

13% Dec 11

13%

12%

12%

12% Dec 12

Non-national cars

Mar 12 Jun 12 Sep 12 Used cars New cars

39

* Auto Finance data refers to hire purchase arrangements only

Community Financial Services: Credit Cards

Overall cards market share improves YoY Overall card performance ahead of industry

Market Share Cardbase Billings Receivables Merchant Sales

Dec 12 18.4% 26.1% 15.2% 32.8%

Dec 11 17.9% 24.3% 15.3% 30.4%

YoY Growth Cardbase Billings Receivables M erchant Sales

Maybank 0.9% 15.5% 1.5% 16.0%

Industry* -1.8% 7.5% 2.0% 7.6%

Market Share for Billings and Merchant sales is based on 12months running performance Card base excludes Debit cards Merchant and Billings consist of transactions done through Credit, Charge and Debit cards

* Industry figures for cards includes commercial banks and non-FI players

Cards receivables continues to rise

+1.5% YoY 5.28 5.20
RM billion

Card base (000) stabilised

+0.9% YoY 1502 1487 1488 1471 1500

5.11

5.13 5.08

Dec 11

Mar 12

Jun 12

Sep 12

Dec 12

Dec 11

Mar 12

Jun 12

Sep 12

Dec 12

40

Community Financial Services: Business Banking and SME

Loans grew 5.0% in Dec 2012
+5.0% YoY 25.8
RM billion

Deposits growth at 11.1% in Dec 2012

+11.1% YoY 50.7
RM billion

25.5

26.9

27.6

27.1 SME

51.5

53.2

53.7

56.3 BB SME

21.4

21.2

22.3

22.8

22.2

BB

37.1

38.5

39.5

39.8

41.7

4.5 Dec 11

4.4 Mar 12

4.6 Jun 12

4.7 Sep 12

4.9 Dec 12

13.6

13

13.7

13.9

14.6

Dec 11

Mar 12

Jun 12

Sep 12

Dec 12

SME loans market share improving

Business Banking and SME: Gross Impaired Loans Ratio stable

11.7%

19.2%

19.9%

21.2%

21.5%

22.1%

10.6%
9.4%

9.0%

8.6%

Dec 11

Mar 11

Jun 12

Sep 12

Dec 12

Dec 11

Mar 12

Jun 12

Sep 12

Dec 12

*Classification of SME loans based on Bank Negara definition (SME Loan Size)

* NPL ratio improved from 6.5% as at Dec 11 to 4.8% as at Dec 12

41

Customer Segmentation: Growing TFA and cross selling ratio improvement

HNW & Affluent Customer TFA grew 19.2%
+19.2% YoY
Total TFA (RMbil) Total TFA (RMbil)

Mass Customer TFA grew 7.9%

+7.9% YoY
93.0 89.5 86.2 87.3 90.9

98.7

104.0

107.9

111.6

117.6

Dec 11

Mar 12

Jun 12

Sep 12

Dec 12

Dec 11

Mar 12

Jun 12

Sep 12

Dec 12

HNW & Affluent Customer Cross Selling Ratio improving

Products per customer

Mass Customer Cross Selling Ratio on an upward trend

Products per customer

6.17 6.09

6.18

6.19

6.21

2.78

2.81

2.84

2.86

2.73

Dec 11

Mar 12

Jun 12

Sep 12

Dec 12

Dec 11

Mar 12

Jun 12

Sep 12

Dec 12

* Customer classification: HNW (IA > RM250K, TFA > RM1M); Affluent (IA between RM 50K to RM250K, TFA between RM250K to RM1m) * TFA: Total Financial Assets (Deposits, Investments & Financing), IA: Investable Assets (Deposits & Investments)

42

Table of Contents
Executive Summary Financial Performance Prospects & Outlook Appendix: Business Sector Review 1) Community Financial Services 2) Global Wholesale Banking

2 13 31

39 45

3) Maybank Singapore
4) BII 5) Other segments 6) Affiliates 7) Data tables & Glossary
Financial Results: 12 Months FY2012 ended 31 December 2012 43

52
55 61 64 67

Global Wholesale Banking Domestic Corporate Banking

Total GWB loans increased by 11.5% YoY to RM64.5 billion
RM billion Term Loan

Trade Finance market share3 easing due to settlements

26.9%

32.5 32.5
25.9

26.7% 26.3% 26.3% 25.8% 25.3%

+25.4% YoY

Trade Finance1

29.4 28.0 29.2

+0.5% YoY

Dec '11

Mar '12

Jun '12

Sep '12

Oct '12

Nov'12

Overdraft

2.6 2.7 -3.3% 2.7 YoY 18.1 16.9 15.8

Dec'12 Sep '12 Dec '11

Corporate Banking Gross Impaired Loans Ratio dropped significantly from 3.89% a year ago to 1.31% in December 2012 resulting from major recoveries
3.89% 2.72%

Trade Finance Off Balance Sheet Liabilities2

1

+15.0% YoY

1.46%

1.46%

1.31%

Trade Finance includes BA, Trust Receipts, ECR, OFCL, STRC, USD (COF) and Factoring 2 Off Balance Sheet Liabilities items includes BG, LC,SG and UBLC 3 Market share of total trade products (On Balance Sheet items, Contingent Liabilities and Others)

Dec '11

Mar '12

Jun '12

Sep '12

Dec '12

44

Global Markets*
PBT and Revenue grew 1.2% and 5.4% YoY respectively
+1.2% RM million 2,064 2,089 2,390 1,098 1,292 FY2011 FY2012 FY2011

Group Securities Portfolio grew 18.1% Y-o-Y

+18.1% YoY 80.4 7.4 33.9 Others PDS Govt. Securities

+5.4% 2,516 1,046

68.1

71.2 4.6 28.8

70.9 5.2 28.7

71.1 5.0 29.3

4.8
28.4

1,469 FY2012 Revenue

34.8 Dec 11

37.8

37.1

36.8

39.1

PBT

Mar 12

Jun 12

Sep 12

Dec 12

Group Securities Portfolio: 45.6% foreign securities as at December 2012

FY2012
Government Securities Domestic 28.9% Others (NIDs, Bas etc) 9.2%

57% of PDS rated AA or above at December 2012

FY2012
SA (Govt. Guaranteed) 36%

CY2011
Government Securities Domestic 30.6%

CY2011
SA (Govt. Guaranteed) 32% Commercial Papers 3% AAA 30% BBB & below 3% A 5% AA 22%

RM80.4 billion
PDS Domestic 16.3%

Government Securities Foreign Others 19.8% (NIDs, Bas etc) 7.1%

RM68.1 billion
PDS Domestic 16.5%

Government Securities Foreign Commercial 20.6% Papers

3%

A 4%

RM20.8 billion
AA 27%

RM17.1 billion

AAA 35%

PDS Foreign 25.8%

PDS Foreign 25.2%

45

*Including Regional performance

Notable Deals in 2012

NOTABLE DEALS COMPLETED FROM JAN DEC 2012
Malaysia
Philippines

RM 15.6 billion

RM 11.2 billion

RM 10.4 billion

RM 8.0 billion

RM 1.8 billion

IPO
Astro Malaysia Holdings Berhad Completed October 2012

Merger & Listing

Sapura Kencana
Completed May 2012

IPO
Felda Global Ventures Holdings Bhd Completed June 2012

Sukuk
DanaInfra Nasional Bhd Completed July 2012

Term Loan Facility

San Miguel Corporation Completed April 2012

RM 3.02 billion

RM 616 million

RM 6.6 billion

RM 734.45 million

PHP 28.5 billion

Term Loan/IB
DRB-Hicom Bhd Completed June 2012

Private Placement
Malaysia Airports Holdings Berhad Completed March 2012

Project Financing
Tanjung Bin Energy Completed March 2012

IPO
Gas Malaysia Completed June 2012

Term Loan Facility

South Luzon Tollway Corporation Completed March 2012

Singapore

Hong Kong

SGD 5.1 billion

SGD 5.0 billion

SGD 750 million

USD 600 million

Term Loan & Revolving Credit Facility Genting Hong Kong Limited Completed August 2012

Term Loan & RCF

Marina Bay Sands Pte Ltd Completed June 2012

Term Loan
MS Commercial Pte Ltd/ OphirRochor Comm Pte Ltd Completed April 2012

Term Loan
Khazanah Nasional
Completed April 2012

46

Maybank IB now a major Regional Investment Banking player with the addition of Maybank Kim Eng
Maybank Kim Eng is now a leading regional investment
Malaysia League Table Mergers & Acquisitions
Advisor Maybank Ranking 1 Market Share 36.49% Amount MYR (Mil) 46,628.95

bank and broking house with presence in 10 locations. Maybank Kim Eng has also been the No. 1 broker in Thailand for the past 11 years. Since the acquisition of Kim Eng, we have expanded our product catalogue across the countries and are now able to offer our clients with additional products such as debt offerings, futures broking and regional online trading. In Thailand, we have launched Private Wealth Services in FY2012 to our top clients to serve them better and provide them with more investment options. We have also launched a regional online trading platform to provide our clients with easier access to the regional markets.

CIMB
Goldman Sachs & Co Morgan Stanley

2
3 4

30.70%
26.97% 20.23%

39,231.50
24,470.20 25,856.84

Bank of America Merrill Lynch

Source: Bloomberg, Dec 2012

13.95%

17,819.71

Malaysia League Table Malaysian Domestic Bonds

Underwriter Ranking 1 2 3 4 5 Market Share 26.8% 25.6% 16.9% 14.5% 3.9% Amount MYR (Mil) 31,551.27 30,162.33 19,877.02 17,048.00 4,641.33

ASEAN Stockbroking Champion

CIMB Ranking #2 #5 #6 Market Share 7.1% 7.0% 4.8% Ranking #1 #4 #4 Market Share 11.9% 7.3% 5.2% Maybank AmInvestment Bank RHB HSBC Bank Source: Bloomberg, Dec 2012

47

Maybank Kim Eng

FY2012 Total Income (RM mil)
Others 42.9, 3% Hong Kong 49.5, 4% Indonesia 33.2, 2% Philippines 113.7, 9% Thailand 275.1, 21% Malaysia 545.5, 41%

Total Income for Maybank Kim Eng rose by 23.1%

1,332

1,331.

RM million

1,207

Singapore 271.3, 20% CY 2011 FY 2012

FY2012 Equity Brokerage League Table by Country

Country Thailand Malaysia Indonesia Philippines Singapore* Vietnam** Rank 1 2 6 4 5 4 Market Share 11.9% 7.1% 4.8% 7.3% 7.0% 5.2% Trading Value (RM million) 162,301 57,607 35,503 18,992 107,024 2,441

FY2012 Fee-based Income for Malaysia

Agency/ Guarantee Fees 2% Primary Subscriber's Fees 20% Arrangers' Fees 20%

*Rank is estimated based on market share **Consolidated based on both Vietnam stock exchanges

Other Fee Income 2% Underwriting Fees 7% Placement Fees 11%

Advisory Fees 14%

Brokerage 22%

48 Note: Maybank Kim Eng represents the combined business of Maybank IB and business segments under Maybank Kim Eng Holdings

Maybank Kim Eng 12M FY2012 Maybank IBs (Malaysia) Industry Position & Market Share
FY 2012 Industry Rank by Value M&A1 Equity & Rights Offerings1 Debt Markets Malaysia Domestic Bonds1 Debt Markets Malaysia Ringgit Islamic Bonds1 1 2 Market Share 36.49% 19.7% Total Value (RM bil) 46.6 6.2 Deals / Issues 30 11 CY 2011 Industry Rank by Value 2 2 Market Share 34.6% 15.9% Movement of ranking +1 0

25.6%

30.2

170

27.1%

27.7%

26.5

159

2 5

22.2% 6.5%

Equity Brokerage2
Source: 1 Bloomberg
2

7.1%

57.6

+3

Bursa Malaysia

49

Table of Contents
Executive Summary Financial Performance Prospects & Outlook Appendix: Business Sector Review 1) Community Financial Services 2) Global Wholesale Banking

2 13 31

39 45

3) Maybank Singapore
4) BII 5) Other segments 6) Affiliates 7) Data tables & Glossary
Financial Results: 12 Months FY2012 ended 31 December 2012 50

52
55 61 64 67

Earnings Summary

(SGD mil)
Net Fund Based income Net Fee Based income Net income Overhead expenses

FY12
473.7

FY11
468.7

YoY 1.1%
1.9%

4QFY12 3Q FY12
121.5 120.5

QoQ 0.8%
-20.0%

252.5
726.2 318.7

247.8
716.5 300.7

62.3
183.8 66.7

77.9
198.4 81.7

1.4%
6.0% -2.0% 8.8%

-7.4%
-18.4% 0.4% 6.5%

Operating profit
Profit before taxation

407.5
430.5

415.8
395.6

117.1
123.9

116.7
116.3

51

51

Maybank Singapore
Loans and advances grew 10.6% YoY or S$2.6b to reach S$27.2b at the end of 2012. Business loans increased by 5.4% YoY (or S$S$2.8b) to reach a new high of S$17.6b in December 2012, led by stronger lending to the building & construction and general commerce industries. By product type, both syndicated and term loan registered substantial growth in 2012. Consumer loans fell by 2.5% (or S$0.2b) as the governments curbs on vehicle population growth weighed on automobile financing. Housing loans also fell as the pace of repayments increased amid an increasingly competitive mortgage market.
Asset quality continued to improve in FY 2012
0.46 0.14 0.47 0.18 0.53 0.26 0.62 0.53 0.32 0.53 0.32

Diversified Loan Portfolio

24.6 1.2 3.3
SGD billion

27.2 1.5 3.1 5.0 2.9 2.8 4.2

10.6% y-o-y Other (Consumer) Car Loan

5.3 2.8 3.5 3.2 5.3 Dec 11

Consumer 35%

Housing Loan Others (Corporate)

7.7
Dec 12

Corporate 65%

Non-Bank financial Inst General Commerce Building & Const

Maybank Singapore loans grew at a slower pace of 10.6% YoY

25.4%
11.4% 24.2% 14.8% Jun-11 Dec-11 28.6%

0.45
0.31

10.4%
10.6% Dec-12
Industry Growth

0.33

8.6%
Jun-10

Maybank Singapore Growth

Jun'11 Sep'11 Dec'11 Mar'12 Jun'12 Sep'12 Dec'12

GIL Ratio

NIL Ratio

52

Table of Contents
Executive Summary Financial Performance Prospects & Outlook Appendix: Business Sector Review 1) Community Financial Services 2) Global Wholesale Banking

2 13 31

39 45

3) Maybank Singapore
4) BII 5) Other segments 6) Affiliates 7) Data tables & Glossary
Financial Results: 12 Months FY2012 ended 31 December 2012 53

52
55 61 64 67

Earnings Summary
(IDR bil) Net Fund Based income Net Fee Based income Net income Overhead expenses Personnel 12M FY12 5,310 2,151 7,461 (4,895) (2,244) 12M FY11 4,005 2,328 6,332 (4,353) (1,919) YoY +32.6% (7.6%) +17.8% +12.5% +16.9% 4QFY12 1,366 512 1,877 (1,228) (560) 3Q FY12 1,368 528 1,895 (1,209) (545) QoQ (0.1%) (3.0%) (0.9%) + 1.6% +2.8%

General & Administrative

Operating profit Provision expenses Non Operating Income/Expenses Profit Before Tax Before Minority Interest Profit after Tax and Minority Interest (PATAMI) EPS - Basic (Rp.) 54

(2,615)
2,601 (1,147) 242 1,696

(2,434)
1,979 (1,187) 193 985

+7.4%
+31.4% (3.4%) +25.4% +72.2%

(668)
650 (280) 43 414

(664)
687 (313) 85 459

+0.6%
(5.4%) (10.5%) (49.4%) (9.8%)

1,208 21

669 12

+80.6% +75.0%

286 21

330 16

(13.3%) 31.3%
54

BII: Continued strong performance bankwide

Loans composition (IDR trillion) (Consolidated)
Loans growth of 20% YoY and LDR improved to 87.3% 67.2
25.4 16.7 25.0

Net Interest Margin (Consolidated)

NIM increased to 5.73%

69.8
25.8 17.5 26.6

73.5
26.6 19.9 27.1

75.9
26.9 21.1 27.8

80.9
26.6 25.0 29.4

5.89% 5.22% 5.51%

5.88%

5.73%

Dec-11

Mar-12
GWB

Jun-12
SME

Sep-12
Consumer

Dec-12

Dec-11

Mar-12

Jun-12

Sep-12

Dec-12

Asset Quality (Consolidated)

Asset quality remains healthy with gross impaired loan ratio at 2.2% 2.3% 2.1%

Loan-to-Deposit Ratio (Bank Only)

90.4% 88.9% 89.4% 88.5% 87.3%

2.2%

2.1%

2.2%

1.2%

1.1%

1.0%

0.9%

1.3%

Dec-11

Mar-12

Jun-12

Sep-12

Dec-12

Dec-11

Mar-12

Jun-12

Sep-12

Dec-12

Net Impaired Loans Ratio

Gross Impaired Loans Ratio

Modified LDR (consolidated) as of Dec12 : 79.85% Modified LDR (bank only) as of Dec12 : 77.94%

Note: LDR is calculated here based on BII definition

55

BII: Branches and touch points expansion on track and continued strong growth in PATAMI
Branches and ATM
1,152 952 739 787 351 368 375 389 415 * 11.83% 1,190 1,218 1,237

1,317

Capital Adequacy: consolidated (credit, operational & market risk)

12.71% 12.83% 12.56%

12.33%
327

249

255

2008

2009

2010 2011 Branches

Mar-12 Jun-12 Sep-12 Dec-12 ATM + CDM

Dec-11

Mar-12

Jun-12

Sep-12

Dec-12

* as of 31 Dec12, 12 branches still waiting for BI approval

We continue to invest in the expansion of network and IT infrastructure We grew our footprint by successfully adding 64 new branches and 165 new ATMs across the country during 12 months of 2012. We have 415 branches and 1,317 ATMs + CDM as of 31 December 2012 Data for new account opening at branches can be done by scanning the local identity card. First to have this amongst the local banks in Indonesia

PATAMI
1,208

822

725

634 353 469 461

669

Mobile banking is firmly in place and the Internet banking platforms for individual, supply chain and corporates are continuously being improved Our new trade finance system recently went live in 1Q2012 BII is part of the Maybank IT Transformation Project (ITTP) which will facilitate continuous improvement of the Banks critical and business applications

-41 2004 2005 2006 2007 2008 2009 2010 2011 2012

56

WOM Finance motorcycle business impacted by new regulations but overall, profit improved due to continued focus on underwriting and cost efficiencies
Revenue and PBT (IDR billion)
Stand alone

Unit Financing (000 unit)

574 501 1,376 393 502

1,653
In IDR billion

1,467

1,609

170

16

205 FY 2012 Total Expenses Profit Before Tax

28 New

73

108

FY 2011 Total Revenue Provision Expenses

Used FY 2011 FY 2012

Total

Asset Quality
10.03% 8.43% 5.69% 7.86% 5.62% 4.69% 3.23% 1.82% 3.29% 3.43% 3.77% 3.16% 1.46% 8.05% 7.61%

Financing Amount (IDR billion)

6,476
5,096 7,069 5,972

5.72%

2.88%
1.58%

1.75%

1.67%

594 New

876 Total

Dec-11 NBD

Mar-12 FID

Jun-12 Gross NPL

Sep-12

Dec-12

Net NPL

Used FY 2011 FY 2012

57

BII Finance significant growth achieved in both sales and profits as BII rebalances its auto portfolio between cars and motorcycles
Revenue and PBT (IDR billion)
Stand alone

Unit Financed
613.26 34,899 28,578 30,561 37,578

613.26

362.44 203.61 1,983 2,679 YTD Dec'11 total revenue YTD Dec'12 Profit Before Tax New Used Total YTD Dec 2011 YTD Dec 2012

Asset Quality
0.09% 0.09% 0.09% 0.08% 0.09% 0.08% 0.07% 0.06%

Financing Amount (IDR billion)

5,709 4,407 4,701 6,091

0.07%

0.07%

293 4Q11 1Q12 2Q12 Gross NPL 3Q12 Net NPL 4Q12 new

382 total YTD Dec 2012

used YTD Dec 2011

58

Table of Contents
Executive Summary Financial Performance Prospects & Outlook Appendix: Business Sector Review 1) Community Financial Services 2) Global Wholesale Banking

2 13 31

39 45

3) Maybank Singapore
4) BII 5) Other segments 6) Affiliates 7) Data tables & Glossary
Financial Results: 12 Months FY2012 ended 31 December 2012 59

52
55 61 64 67

Group Islamic Banking

Group Islamic Banking Income and PBT*
RM million Fund based income Other operating income Total income Allowance for losses on financing Profit before tax and zakat
**

Market Share
YoY Growth 8.9% 78.8% 19.4% -44.2% 26.9%
Dec-12 AITAB*** Mortgage Term financing 30.0% 21.4% 23.3% Dec-11 31.6% 20.2% 21.1%

FY2012 1,699.3 496.9 2,196.2 33.7 1,322.0

FY2011 1,560.9 277.9 1,838.8 60.4 1,041.4

*** Includes financing sold to Cagamas

Maybank Islamic: Total Gross Financing grew by 18.3% to RM62.0 bil

+3%
16.617.1 Dec 11 Dec 12

* Group Islamic Banking includes Maybank Islamic and the Groups other Islamic operations ** Other operating income comprise of fee income and other income

+45%
12.6

+26%
14.3 11.3

Maybank Islamic: Improving key ratios

RM billion
Dec-12 Financing to Deposit Ratio (Adjusted) Islamic Financing to Total Domestic Loans Gross Impaired Financing Ratio Net Impaired Financing Ratio 82.0% 30.6% 0.85% 0.70% Dec-11 83.7% 28.5% 1.62% 1.03%
AITAB

+14%

+32%

+4%
8.0 8.3

8.7 6.2 3.1 3.5 4.7

Mortgage Financing CFS:

Term Financing +20%

Others (CFS)

Term Financing GWB:

Others (GWB) +14%

60

Insurance and Takaful - Etiqa

Premium
Single Premium Regular Premium Credit Premium Group Premium

Loss Ratio
+51.6% +4.2% +34.5% - 23.8% +17.9% +11.0% +18.1% +5.8%
-

84.1%
FY2012 12M FY11 63.6% 58.3%

89.5% 74.8%
58.9% 43.1% 32.1% 22.3%

75.0%
61.8%

78.4% 64.6%

79.0%
62.0% Fire Motor MAT

Total Life/Family
Fire Motor MAT Misc Total General Total Life/Family & General
0 500

39.8% 32.7% 33.9% 18.0% 31.1% 25.7% 28.2%

34.8%
15.4%

Misc
Overall

0.01% + 10.5%

+14.7%
1,000 1,500 2,000 2,500 3,000 3,500 4,000 4,500 5,000 5,500 RM Million

3.0%
Dec 11 Mar 12 Jun 12 Sep 12 Dec 12

Total Assets (RM billion) +9.4% YoY

Life / Family (New Business) Market Share

Etiqa Ins. & Tak.
18.7% 13.9% 13.6%
5.0% 10.0% 15.0% 20.0%

Great Eastern Ins. & Tak. Prudential Ins. & Tak.

0.0%

No. 1 in Life/Family (New Business)

General Insurance and Takaful Market Share 25.15 27.51

Etiqa Ins. & Tak. AmG+Kurnia Insurance Allianz Insurance
10.8% 10.0%
5.0% 10.0% 15.0%

13.5%

No. 1 in General Insurance and Takaful

Dec 2011

Dec 2012

0.0%

61

Table of Contents
Executive Summary Financial Performance Prospects & Outlook Appendix: Business Sector Review 1) Community Financial Services 2) Global Wholesale Banking

2 13 31

39 45

3) Maybank Singapore
4) BII 5) Other segments 6) Affiliates 7) Data tables & Glossary
Financial Results: 12 Months FY2012 ended 31 December 2012 62

52
55 61 64 67

An Binh Bank: PBT grew 24.1% YoY

Growth in PBT of 24.1% was strengthened by lower allowances for loans losses despite the lower net interest income and increase in overhead expenses. Despite stronger loans growth of 15.6%, revenue declined 5.8% due to lower margins in FY12. Overhead expenses were up 27.7% as a result of higher staff cost. Allowance for loans losses declined 77.2% attributable to lower individual allowances. ROE increased to 7.8%, from 6.35% in the previous financial year. Loans growth was supported by central banks introduction of new guidelines in September 2012, in which amount loaned to other financial institutions would also be accounted as loans to customers. Customer deposits rose 31.2% as ABB intensified marketing promotions to mobilise deposits from retail sector. This reduced reliance on interbank borrowing, in line with the tightening of interbank lending activities by the Central Bank, with effect from September 2012. Cap in lending rates to 15% since July 2012 and higher cost of funds, affected margins, thus, resulting in lower NIMs, 4.52% as compared to 5.4% in the previous year.

Revenue and PBT

-5.8%
1,828.2 1,722.6

VND Bil

+24.1%
400.5
497.1

Revenue PBT

FY11

FY12

Gross Loans and Deposits

+31.2%
33,563.9

Asset quality continued to improve with the NPL declined to 2.29% in December 2012 compare to 2.79% in December 2011.

+15.6%
25,591.1

Key Ratios Key Ratios Return on assets Return on equity Cost-to-income ratio Loans to deposit ratio NPL Ratio Net Interest Margin

31 Dec 2012 FY 2012 0.90% 7.80% 63.58% 69.32% 2.29% 4.52%

31 Dec 2011 FY 2011 0.78% 6.35% 46.90% 78.64% 2.79% 5.40%

VND Bil

23,265.7

20,124.6

Gross Loans

Customer Deposits

As at 31 Dec 11

As at 31 Dec 12

63

MCB Bank: PBT rose 3.3% YoY despite the lower NIM
In FY2012, MCB registered a 3.7% YoY in PBT to PKR32.5 bil. The improved result was contributed by the increase in revenue of PKR0.8 bil and efficiency in operations, which resulted in lower operating expenses by PKR0.1 bil. Gross loans achieved growth of 5.1% mainly attributable to the lower interest rate as central bank has reduce policy rates by 250bps during the year. Customer deposits grew 11% to PKR536.2 bil, mainly contributed by corporates. NIM dipped to 6.5% from 7.7% in FY11 affected by the reduction of policy rate. ROE was 25.1% in FY2012. CIR improved from 36.2% to 35.6%.
Key Ratios Key Ratios Return on assets Return on equity Cost-to-income ratio Loans to deposit ratio NPL Ratio Net Interest Margin 31 Dec 2012 FY 2012 2.97% 25.10% 33.30% 43.05% 9.82% 6.77% 31FY 2011 Dec 2011 3.18% 26.23% 36.15% 50.52% 10.75% 7.72%

Revenue and PBT

+1.7%
49.2

50.0

+3.7%
PKR Billion
31.3 32.5
Revenue PBT

FY11

FY12

Gross Loans and Deposits

+11%
536.2
482.6

PKR Billion

+5.1%
Gross Loans

249.9

262.6
Customer Deposits

As at 31 Dec 11

As at 31 Dec 12

64

Table of Contents
Executive Summary Financial Performance Prospects & Outlook Appendix: Business Sector Review 1) Community Financial Services 2) Global Wholesale Banking

2 13 31

39 45

3) Maybank Singapore
4) BII 5) Other segments 6) Affiliates 7) Data tables & Glossary
Financial Results: 12 Months FY2012 ended 31 December 2012 65

52
55 61 64 67

Quarterly Profit and Loss

(RM mil) Net interest income Net Fund based income (Islamic Banking) Net Fund Based income Non-interest income Fee based income (Islamic Banking) Net income from insurance business* Net Fee Based income Net income Overhead expenses Provisions Operating profit Profit before taxation and zakat Profit after Tax and Minority Interest (PATAMI) EPS - Basic (sen) 1QFY12 2,020.7 375.6 2,396.3 1,408.0 159.2 87.2 1,654.5 4,050.8

2QFY12
2,106.3 441.2 2,547.5 1,344.3 125.6 169.7 1,639.6 4,187.1

QoQ +4.2% +17.5% +6.3% (4.5%) (21.1%) +94.6% (0.9%) +3.0%

3Q FY12 2,158.9 486.1 2,645.0 1,316.0 82.0 91.4 1,489.5 4,134.5

QoQ +2.5% +10.2% +3.8% (2.1%) (34.7%) (46.1%) (9.2%) (1.3%)

4QFY12 2,194.9 396.4 2,591.3 1,205.4 130.0 304.2 1,639.6 4,230.8

QoQ +1.7% (18.5%) (2.0%) (8.4%) +58.5 +232.8% +10.1% +2.3%

(1,994.8)
(196.4) 1,859.6 1,894.6 1,346.9 17.6

(1,982.3)
(226.7) 1,978.1 2,025.8 1,437.5 18.6

(0.6%)
(15.4%) +6.4% +6.9% +6.7% +5.7%

(2,044.0)
(101.3) 1,989.2 2,024.8 1,500.7 19.1

+3.1%
(55.3%) +0.6% (0.01%) +4.4% +2.7%

(2,137.0)
(178.5) 1,915.3 1,949.3 1,459.6 17.3

+4.5%
+76.2% (3.7%) (3.7%) (2.7%) (9.4%)
66

66

Group Gross Loans by quarter

(RM mil) Group Gross Loans Malaysia (Rm billion) Community Financial Services Global Wholesale Banking Singapore (SGD billion) Consumer Commercial Indonesia (Rupiah billion) Consumer Non-consumer

1QFY12 287.1 182.9 123.2 59.7 24.5

2QFY12 304.0 192.8 127.9 64.9 25.3

3Q FY12 304.8 195.2 132.0 63.2 25.1

4QFY12 317.3 199.8 135.4 64.5 27.3

QoQ +4.1% +2.3% +2.5% +2.0% +8.8%

9.9
14.6 69.8

9.9
15.4 73.5

9.8
15.3 75.9

9.6
17.7 81.1

(1.4%)
+15.2% +6.9%

21.1
48.7 19.1

21.8
51.7 20.4

21.9
54.0 19.9

28.9
52.2 20.6

+32.2%
(3.4%) +3.8%

Other markets

67

67

Domestic Gross Loans by quarter

RM billion Community Financial Services Consumer Total Mortgage Auto Finance Credit Cards Unit Trust Other Retail Loans Business Banking + SME SME Business Banking Global Wholesale Banking (Corporate) Total Domestic

1QFY12
123.2 97.7 43.4 28.6 5.2 19.2 1.3 25.5 4.3 21.2 59.7 182.9

2QFY12
127.9 101.0 45.2 29.6 5.2 19.7 1.3 26.9 4.6 22.3 64.9 192.8

3Q FY12
132.0 104.5 46.9 30.5 5.2 20.6 1.3 27.5 4.7 22.8 63.2 195.2

4QFY12
135.4 108.3 48.5 31.2 5.4 21.9 1.3 27.1 4.9 22.2 64.5 199.8

QoQ
+2.6% +3.6% +3.4% +2.3% +2.8% +6.3% +1.4% (1.7%) +3.7% (2.8%) +2.0% +2.3%

* Including Islamic loans sold to Cagamas and excludes unwinding of interest

68

Gross Deposits by quarter

(RM mil)
Group Gross Deposits Malaysia (RM billion) Savings Deposits Current Accounts Fixed Deposits Others Singapore (SGD billion) Savings Deposits Current Accounts Fixed Deposits Others Indonesia (Rupiah trillion) Savings Deposits Current Accounts Fixed Deposits

1QFY12
320.2 211.7 33.9

2QFY12
340.3 230.0 35.0

3Q FY12
330.5 217.1 34.6

4QFY12
347.0 227.3 35.5

QoQ
+5.0% +4.7% +2.7%

49.2
105.2 23.4 28.0

50.6
111.3 33.1 28.1

52.2
103.2 27.0 28.8

56.9
114.6 20.3 29.9

+8.9%
+11.0% (32.6%) +3.7%

3.0
2.6 21.8 0.6

3.1
2.9 21.4 0.6

3.3
2.8 22.1 0.6

3.3
2.9 23.1 0.6

(0.6%)
+4.7% +4.5% (5.2%)

72.2
16.1 12.3 43.8

76.7
16.0 13.5 47.3

80.0
16.8 12.9 50.2

86.1
18.8 14.7 52.6

+7.6%
+11.9% +13.8% +4.9%

69

69

Key Ratios by quarter

(RM mil) Net Interest Margins Return on Equity * Fee to Income Ratio Loans-to-Deposit Ratio Cost to Income Ratio # Asset Quality Gross Impaired Loans Ratio Net Impaired Loans Ratio Loans Loss Coverage Charge off rate (bps) Capital Adequacy (Group)^ Core Capital Ratio Risk Weighted Capital Ratio
* # ^ Annualised Total cost excludes amortisation of intangibles for BII and Kim Eng Figures for 1QFY12 and 2QFY12 are adjusted for dividend payment and reinvestment made under the Dividend Reinvestment Plan (DRP). Figures for 3QFY12 are based on actual acceptance rate (88.19%) on the electable portion of the 5 th DRP and after taking into consideration of the private placement of 412 million new shares at RM8.88 per share (proceeds of RM3.66 billion) which was completed on 12 October 2012. Figures for 4QFY12 are assuming 85% reinvestment rate.

1Q FY12 2.38 16.0 40.8

2Q FY12 2.42 16.4 39.2

3Q FY12 2.42 17.1 36.0

4QFY12 2.36 16.3 38.8

QoQ (2.5%) (5.8%) +8.1%

87.2
48.7 2.44

86.9
46.9 2.00

90.0
48.9 1.90

89.6
50.2 1.78

(0.4%)
+2.9% (5.3%)

1.58
94.5 28

1.28
104.2 28

1.22
104.7 12

1.09
105.6 21

(8.3%)
+0.9% +75.0%

10.97
15.35

11.42
15.49

12.96
16.71

13.43
17.24

+4.4%
+3.7%

70

Glossary

EIB ETB PATAMI ROE RWCR FY 2010 FY 2011 FP 2011 CY 2011 FY 2012

Etiqa Insurance Berhad Etiqa Takaful Berhad Profit after tax and minority interest Return on average shareholder equity Risk weighted capital ratio Financial year June 2009 to June 2010 Financial year June 2010 to June 2011 Financial period June 2011 to December 2011 Calendar year January 2011 to December 2011 Financial year January 2012 to December 2012

71

71

Humanising Financial Services Across Asia MALAYAN BANKING BERHAD 14th Floor, Menara Maybank 100, Jalan Tun Perak 50050 Kuala Lumpur, Malaysia Tel : (6)03-2070 8833 www.maybank.com Investor Relations Contact
Mohamed Rafique Merican Group Chief Financial Officer Contact: (6)03-2074 7878 Email: rafique@maybank.com.my Narita Naziree Head, Group Business Planning & Investor Relations Contact: (6)03-2074 8101 Email: naritanaziree.a@maybank.com.my Raja Indra Putra Head, Investor Relations Contact: (6)03-2074 8582 Email: rajaindra@maybank.com.my
Disclaimer. This presentation has been prepared by Malayan Banking Berhad (the Company) for information purposes only and does not purport to contain all the information that may be required to evaluate the Company or its financial position. No representation or warranty, express or implied, is given by or on behalf of the Company as to the accuracy or completeness of the information or opinions contained in this presentation. The presentation does not constitute or form part of an offer, solicitation or invitation of any offer, to buy or subscribe for any securities, nor should it or any part of it form the basis of, or be relied in any connection with, any contract, investment decision or commitment whatsoever. The Company does not accept any liability whatsoever for any loss howsoever arising from any use of this presentation or their contents or otherwise arising in connection therewith.

72