C i li i h ASEAN M k lCapitalising on the ASEAN Marketplace

Invest Malaysia 2012Shangri-La Hotel

29-30 May 2012

0www.maybank.com

Investor Presentation

Transformation Journey

Growth Drivers

Expansion in ASEAN & Beyond

Economic Update & Prospectsco o c Update & ospects

Key Takeaways

1

Maybank’s Transformation Journey Continues…

“Transformation to the next

“S U

“Converge onShared Aspirations and

Accelerate Performance”

level: Regionalisation”

2012 - 2015

2008 - 2009

“Start Up,Create Momentum”

2010 - 2011

Introduction of the

Execute High Impact initiatives that materially uplifts PBT and reduces Unit Costs

2008 - 2009CEO-driven agendaInception of LEAP30 programme

Introduction of the“House of Maybank”Business Unit-driven agenda, with individual

t bilit

“Embed” Transformation throughout the regionHigh Performance culture developed

Build up project execution capabilitiesCentralised transformation office as key driver of change

accountability

Transformation agenda framed and owned organisation-wide

developedBuild sustainable platforms (IT and processes)

y gRapidly execute to deploy enhanced capabilities to uplift PBT.

g

Shared responsibility and individual accountability.

2

A six-fold improvement in PATAMI since FY2009

A l ' C N P fi (RM il )Analysts' Consensus: Net Profit (RM mil.)

FY2012 5,061Based on 1Q 2012 PATAMI of RM1.35 billion, Maybank was 6.5% ahead of consensus

RM 6 billionRights Issue

LaunchedHouse of Maybank

AcquiredKim Eng

RM8.78

Rights Issue House of Maybank Kim Eng

3,818

4,450

16 2% 14%16%18%20%

3 500

4,000

4,500

5,000

E)

st (P

ATA

MI)

RM5.70RM7.85

RM8.45

2,58314.5%

15.0% 16.2%

8%10%12%14%

2,000

2,500

3,000

3,500

n on

Equ

ity (R

O

d M

inor

ity In

tere

sR

M m

illio

n)

2,665 #

692

3.1%

0%2%4%6%

0

500

1,000

1,500

Ret

urn

fit A

fter T

ax a

nd (R

0%0FY2009

ended Jun 2009FY2010

ended Jun 2010FY2011

ended Jun 20116-month FP2011ended Dec 2011

Pro

f

PATAMI ROE Ave. Share Price

3

• Lower net profit due to impairment of investment in BII and MCB # PATAMI before impairment of investment in BII and MCB

Maybank continues to deliver shareholder value

Total Shareholder Return for Maybank since the RM6 billion right issue ex-date on 31 March 2009 to date of 166.7% (36.5% per annum) is above that of the FBM KLCI (98.7%, 24.3% per annum) and KL Finance Index (143.6%, 32.6% per annum) and it two closest peers: (126.6%, 29.6% per annum) and (108.8%, 26.3% per annum).( , p )

Jun 09 Sep 09 Dec 09 Mar 10 Jun 10 Sep 10 Dec 10 Mar 11 Jun 11 Sep 11 Dec 11 Mar 12

4

Source: Bloomberg

Jun 09 Sep 09 Dec 09 Mar 10 Jun 10 Sep 10 Dec 10 Mar 11 Jun 11 Sep 11 Dec 11 Mar 12

We maintain our leadership position domestically

■ No. 1 bank in Malaysia - both conventionaland Islamic ■ Presence in 9 ASEAN countries

Leadership Position Emerging Regional Leader

and Islamic■ No. 4 bank in South East Asia (by total assets)■ No. 113 in The Banker’s Top 1000 World Banks■ No. 43 Major Banks in Forbes Global 2000

■ 5 International Financial Centres

■ Over 2,200 branches & offices in 19 countries, serving more than 22 million customers

392 branches 2 828 ATMs with more than ■ Diversified across all financial products and

Largest banking network in Malaysia Leading domestic market position

■ 392 branches, 2,828 ATMs with more than12 million customers

■ No.1 Internet banking with 55% market share

pservices

■ No. 1 in overall market share for Loans and Deposits

■ 56% owned by PNB and its funds, and

Strong Financial Position Strong shareholders and credit ratings

■ Total Assets* : RM 451.3 bil. (USD 142.5 bil) ■ 56% owned by PNB and its funds, and 12% by EPF

■ Foreign shareholding: 14.9%

■ Total Assets : RM 451.3 bil. (USD 142.5 bil)

■ Total Equity* : RM 34.7 bil. (USD 11.0 bil)

■ FP11 Net Profit** : RM 2.58 bil. (USD 0.813 bil)

Market Cap *** : RM 67 2 bil (USD 21 4 bil)■ Strong credit ratings, on par with sovereign

5

■ S&P : A- ■ Moody’s: A3 ■ Fitch : A-■ Market Cap. *** : RM 67.2 bil. (USD 21.4 bil)

*As at 31 Dec 2011**6-Month Financial Period ended 31 Dec 2011

***As at 28 May 2012 inclusive of new DRP shares

T l A (RM bil) 31 D 2011 L d D i (RM bil) 31 D 2011

And have consistently ranked no.1 in total assets, loans & deposits in Malaysia

Total Assets (RM bil): 31 Dec 2011 Loans and Deposits (RM bil): 31 Dec 2011

300

451283

200 222

314Gross Loans

Deposits

39 54107

152 154

249300

24 3175 98 87

178 192

31 3975 116 119

200 222Deposits

Allia

nce

Affi

n

AM

MB

RH

B C

ap

HL

Ban

k

Pub

lic B

ank

CIM

B

May

bank

Allia

nce

Affi

n

AM

MB

RH

B C

ap

HL

Ban

k

Pub

lic B

ank

CIM

B

May

bank

PATAMI (RM bil): 4 Quarters to Dec 2011 Market Capitalisation (RM bil): 28 May 2012

6 2 *

1.4 1.5 1.5

3.54.0

4.9

16.3 18.7 22.9

48.3 54.067.2 *

0.5 0.5

Allia

nce

Affi

n

L B

ank

AM

MB

HB

Cap

c B

ank

CIM

B

ayba

nk

4.6 6.0A

ffin

Allia

nce

HB

Cap

AM

MB

L B

ank

c B

ank

CIM

B

ayba

nk

6

A H RH

Pub

li Ma A

RH H

Pub

li Ma

* inclusive of new DRP shares

We have established ourselves as one of the Top 5 banks in ASEAN

Total Assets (USD bil): 31 Dec 2011 Total Loans and Deposits (USD bil): 31 Dec 2011

183

214

263

UOB

OCBC

DBS

131

169

104

111

152

UOB

DBS

Total Assets (USD bil): 31 Dec 2011 Total Loans and Deposits (USD bil): 31 Dec 2011

79

95

143

183

Public Bank

CIMB

MAYBANK

UOB

63

7099

119

56

61

89

104

Public Bank

CIMB

MAYBANK

OCBC

T t l L

57

60

62

67

Bank Mandiri

Siam Commercial

Krung Thai Bank

Bangkok Bank

39

4143

50

39

4534

47

Kasikorn Bank

Krung Thai Bank

Bank Mandiri

Bangkok BankTotal Loans

Total Deposits

39

PATAMI (USD mil): 4 Quarters to Dec 2011 Market Capitalisation (USD bil): 28 May 2012

2,416 DBS 25.2DBS

1,595

1,720

1,840

1,852

MAYBANK

Bank Rakyat Indonesia

OCBC

UOB

19.1

21.4 *

21.4

22.8

Bank Central Asia

Maybank

UOB

OCBC

1,146

1,190

1,318

1,368

Bank Central Asia*

Siam Commercial Bank

CIMB

Bank Mandiri*

15.3

15.3

17.2

17.6

Bank Rakyat Indonesia

Public Bank

CIMB

Bank Mandiri

7

1,139

,

Public Bank 14.7

15.3

Siam Commercial Bank

Bank Rakyat Indonesia

* inclusive of new DRP shares

Profit continued to grow in 1Q FY2012

Our performance continues to improve with 1Q FY2012 earnings ahead of consensus

Profit continued to grow in 1Q FY2012

– Year on year, revenue grew 27.7% YoY on the back of 14.0% growth in fund based income and 54.5% growth in fee income.

– Quarter on quarter, revenue grew 5.4% after normalising for insurance surplus transfer and Quarter on quarter, revenue grew 5.4% after normalising for insurance surplus transfer and the new takaful framework adjustment.

– PATAMI of RM1.35 billion grew 3.9% QoQ and 17.9% YoY.

Growth seen across all business pillars

– All business pillars recorded double digit revenue growth except for Community Financial Services which grew 1.6%.

– PBT rose by RM319 million (+20.2%) YoY mainly due to growth in Global Wholesale Banking ( RM294 4 46 4%) d I t ti l ( RM135 0 41 2%)(+RM294.4m, +46.4%) and International (+RM135.0m, +41.2%)

– Group loans grew 6.1% annualised (18.2% YoY) driven by growth of 9.5% in domestic loans (13.8% YoY) and 15.7% growth in BII (23.2% YoY)

– Gross and Net Impaired Loan ratio continues to improve to 2 44% (March 2011: 3 67%) and Gross and Net Impaired Loan ratio continues to improve to 2.44% (March 2011: 3.67%) and 1.57% (March 2011: 2.39%) respectively as at March 2012.

Strong Financial Position

– Group shareholders’ funds of RM34.0 billion, total assets of RM463.3 billionp

– Capital Adequacy Ratio of 15.4% as at 31 March 2012 (based on 88.5% reinvestment rate)

Headline KPIs for FY2012

– Annualised ROE of 16.0% is above target of 15.6% but Loans and Debt Securities growth of

8

g g7.0% is below target of 15.2%

Investor Presentation

Transformation Journey

Growth Drivers

Expansion in ASEAN & Beyond

Economic Update & Prospectsco o c Update & ospects

Key Takeaways

99

We are seeing growth across all business segments

4 051

3Q FY11ended 31 Mar 2011

1Q FY12+61.7%

+27.7%

M m

illio

n)

Global Wholesale Banking (GWB)

3,172

1,589

4,051

1,614 1 308

1Q FY12ended 31 Mar 2012

+15.9%+40.9% +331.1% +29.1%+23.9%

+1.6%

Rev

enue

(RM

,

330 373 78

1,013

167

,

465 462 335

1,308

194

Total Community Corporate Banking Global Markets Investment Banking International Banking Insurance, Takaful &

R

1,895

3Q FY11ended 31 Mar 2011

yFinancialServices

p g g gAsset Management

+46.4%+20.2%

RM

mill

ion)

Global Wholesale Banking (GWB)

(Inc. Kim Eng)

1,576

911

1,895

731

1Q FY12ended 31 Mar 2012-19.7%

+57.6% +41.2% +22.4%

befo

re ta

x (R

+16.7% +315.3%

257 350

28 328

81

3

404 408 116

463

100

Total Community Corporate Banking Global Markets Investment Banking International Banking Insurance, Takaful &

Prof

it b

10

Total CommunityFinancialServices

Corporate Banking Global Markets Investment Banking International Banking Insurance, Takaful & Asset Management

Note: Head Office & Others: Revenue and PBT : –RM378.4m (3Q FY11) vs. –RM327.7m (1Q FY12)

(Inc. Kim Eng)

Singapore continues to grow profitably

Diversified Loan PortfolioRevenue and PBT rose 8% and 7% YoY 

1 2 1 3

Others (Consumer)

Diversified Loan Portfolio

mer

24.6

20 1

24.3

-3.8% annualisedrespectively

166.7 180.3

4.6

5.3 5.3 3.3

3.3 3.3 0.8

1.2 1.3 Car Loans

Housing Loans

Others

Con

sum

40%20.1

ate

%

89.3 95.5

lion

2.6 3.2

3.8 2.4 3.5 1.8 (Corporate)

Non-Bank Financial Inst.General Commerce

Cor

pora

60%

3Q FY11Mar 11

1Q FY12Mar 12

3Q FY11Mar 11

1Q FY12Mar 12

SGD bill

Mar 11 Dec 11 Mar 12 Build. & Const.

YoY loans growth outpaced industry‘sAsset Quality remains healthy

Net Income PBT

0.75%0.63% 0.58% 0.65% 0.58%

0.46% 0.47%0.53% 0.62%

0 25% 0 33%

YoY loans growth outpaced industry sAsset Quality remains healthy

14 80%

24.20% 20.10%

25.40% 28.60%

21.40%

0.07% 0.09% 0.07%0.25% 0.23% 0.25% 0.23% 0.26% 0.33%

Mar-10 Jun-10 Sep-10 Dec-10 Mar-11 Jun-11 Sep-11 Dec-11 Mar-12-1.38%

11.40% 14.80%

4.97% 8.60%

Jun-09 Jun-10 Jun-11 Dec-11 Feb-12

11

p p

Gross NPL ratio Net NPL ratioMaybank Singapore Growth Industry Growth

Indonesia continues to deliver double-digit growth

Net Interest Margin Revenue and PBT (Rp billion) 

1,5611,796

+15.1%

5.67%,

216380

RevenuePBT

+75.9%

5.43%5.28%

5.22%

5.51%

216

Mar-11 Mar-12 Mar-11 Jun-11 Sep-11 Dec-11 Mar-12

Loan composition (Rp trillion)

0 40.4 0.4

56.7 59.5 62.0 67.2 69.8

Asset Quality

4.95%4.15% 4 03%

19.9 21.3 22.2 24.1 25.5

13.3 14.1 14.8 17.3 18.2

0.4 0.4 0.4 56.7

3.54%2.88% 2.75%

1 11%

4.03%

2.27%2.08%

4.2 4.6 4.5 4.4 4.2

18.8 19.1 20.1 21.0 21.6

Mar-11 Jun-11 Sep-11 Dec-11 Mar-12

1.25%1.11%

Mar 11 Jun 11 Sep 11 Dec 11 Mar 12

Net Impaired Loans ratio Gross Impaired Loans ratio

12

Subsidiaries Consumer SMEC Corporate Syariah

GWB is gaining momentum & regional recognition in IB deals

1Q FY2012 Maybank IB’s (Malaysia) Industry Position & Market Share

Recent Completed Deals

Industry Rank by

Total Value

Deals / Issues

Market ShareRank by

ValueValue (RM bil)

Issues Share

M&A1 1 6.2 9 14.3%

Equity & Rights Off i

1 0.5 3 30.7%San Miguel Corp

RM 720 million

Bridging Loan

RM6.5 billion

Tanjung Bin Energy

Project Financing

PHP28.5 billion

Term Loan Facility

South Luzon Tollway Corp

Offerings1

Debt Markets –Malaysia Domestic Bonds1

2 9.6 62 27.1%

Completed March 2012 Completed Feb 2012Completed March 2012

Bonds1

Debt Markets –Malaysia Ringgit Islamic Bonds1

2 4.5 43 22.2%IDR 8 trillion

PT Astra Sedaya Finance

Completed Jan 2012

Bond Programme

RM 30.6 billion

Sukuk Programme

Completed Jan 2012

RM 2.05 billion

Sapura Kencana

Completed May 2012

Syndicated Term Loan

Source: 1 Bloomberg 2 Bursa Malaysia

Equity Brokerage2

2 16.5 - 7.1%p p

RM 1 8 billion

p y

RM 11 9 billion SGD 750 million RM 1.8 billion

San Miguel Corp

Completed April 2012

Working Capital

RM 11.9 billion

Sapura Kencana

Completed May 2012

Merger & Listing

SGD 750 million

Term Loan

Completed April 2012

Khazanah Nasional

13

Group Islamic Banking business sustained profit growth

‐4%

Maybank Islamic: Total Gross Financing grew 5% annualised to RM53.0 billion

Group Islamic Banking Income and PBT*

RM million 1Q FY12 3Q FY11 YoYGrowth

F d b d i 375 6 329 9 13 9%15.4

16.6 16.4

+36% ‐3% ‐31% +29% +4%

Fund based income 375.6 329.9 13.9%Fee based income 159.2 57.8 175.4%Total income 534.8 387.7 37.9%Allowance for losses on 40 1 (23 8) -268 5%

9.1

8 1

11.9

8 0 8.8

11.8

8.1 llion

financing 40.1 (23.8) 268.5%

Profit before tax and zakat 352.9 201.9 74.8%

6.9 6.4

8.1

4.7

8.0

5.0

8.1

RM bi

Maybank Islamic: Improving key ratios 

Mar 12 Dec 11 Mar 112.8 3.0 3.1 2.8 Financing to Deposit Ratio 80.8% 83.7% 87.2%

Islamic Financing to Total Domestic Loans 28.2% 28.5% 26.7%

Gross Impaired Financing 1 23% 1 62% 2 48% AITAB Mortgage Financing

Term Financing

Others (CFS)

Term Financing

Others

Mar 11 Dec 11 Mar 12

**

G p gRatio 1.23% 1.62% 2.48%

Net Impaired Financing Ratio 0.92% 1.03% 1.58%

14

Consumer: +2% Business: +13%

*Islamic Banking  (includes Maybank Islamic and the Group’s other Islamic operations)** Includes financing sold to Cagamas

Etiqa: No. 1 Position in Life/Family (new business) and General Business

16.4%Etiqa Ins. & Tak.

Life/Family (New Business) Market Share

CombinedG P i +38 1%

Combined Gross Premium grew 38% YoY

14.4%

14.7%

Prudential Ins. & Tak.

Great Eastern Ins. & Tak. No. 1 in Life/Family (New Business) 

Credit Premium

Group Premium

Gross Premium

Jan-Mar 2012+4.1%

-2.8%

38.1%

13.0% 14.0% 15.0% 16.0% 17.0%Source: ISM Statistics (Jan11‐Dec11).Single Premium

Regular Premium

Jan-Mar 2011+3.4%

+248.6%

General Market Share

12.7%Etiqa Ins. & Tak.Misc

Total Life/Family +17.5%

-7.5%

9.3%Allianz Insurance

Fi

Motor

MAT +399.4%

+20.0%No. 1 in  General

No. 1 in  General

8.5%

0 0% 5 0% 10 0% 15 0%

HL‐MSIG Ins. & Tak.

0 500 1000 1500

Total General

Fire

RM Million

-5.4%

+ 68.1%

15

0.0% 5.0% 10.0% 15.0%Source: LIAM/ISM Statistics(Jan11‐Dec11)

0 500 1000 1500

Our balance sheet strength & healthy LDR supports our organic growth

RM billi M 12 D 11Annualised

M 11 YoY

RM billion Mar 12 Dec 11Growth

Mar 11 Growth

Cash and short-term funds 44.9 49.1 -34.1% 32.0 40.4%

Deposits with financial institutions 12.8 6.5 394.2% 8.5 50.8%

Securities purchased under resale agreements 1 0 1 4 120 9% 0 5 101 5%Securities purchased under resale agreements 1.0 1.4 -120.9% 0.5 101.5%

Securities portfolio 71.2 68.1 18.6% 64.2 10.9%

Loans, advances and financing 279.1 274.4 6.8% 234.1 19.2%

Statutory Deposits with Central Banks 11.1 10.6 20.3% 4.4 151.4%

Life, general takaful and family takaful fund assets 20.1 19.9 4.0% 19.0 6.0%

Other assets 23.1 21.4 31.1% 17.7 30.4%

Total Assets 463.3 451.3 10.6% 380.3 21.8%Deposits from customers 320 2 313 7 8 3% 260 7 22 8%Deposits from customers 320.2 313.7 8.3% 260.7 22.8%

Deposits and placements of banks and FI 39.3 36.8 27.5% 34.0 15.7%

Borrowings 8.4 7.2 67.8% 4.8 73.4%

Subordinated debts 14.2 14.2 0.5% 8.0 77.1%

Capital Securities 6.1 6.1 1.0% 6.0 1.6%

Insurance & Takaful liabilities & policyholders' funds 20.1 19.9 4.0% 19.0 6.0%

Other liabilities 19.7 18.8 19.0% 17.1 14.9%

Total Liabilities 428.0 416.6 10.9% 349.7 22.4%Total Liabilities 428.0 416.6 10.9% 349.7 22.4%Shareholders Funds 34.0 33.4 6.8% 29.9 13.8%

Non-controlling interest 1.2 1.2 5.8% 0.8 55.2%

Total Liabilities & Equity 463.3 451.3 10.6% 380.3 21.8%L t d it R ti 87 2% 87 5% 89 8%

16

Loan-to-deposit Ratio 87.2% 87.5% 89.8%

A robust capital management plan is also in place

16.29%15.35%14.16% 14.12% 15.20%

14.71%Group

Adjusted for dividend payment and reinvestment made under the Dividend Reinvestment Plan (DRP)

Based on 88.5%^ reinvestment rate

Based on 88.5%^ reinvestment rate

9.21%

11.57%

8.73%

10.97%

8.73% 8.55% 8.77% 8.22%

11.80% 11.60% 11.68%10.68%

31 Dec 11 31 Mar 1231 Dec 10 31 Mar 11 30 Jun 11 30 Sep 11

Core Equity Ratio* Core Capital Ratio Risk Weighted Capital Ratio

15.54% 15.54%

13.62% 13.19% 13.12%(3)13.38%

Bank

15.57%

q y p g p

14.46%

14.66% 14.26%13.15% 13.04% 13.12%# 13.19% 14.69% 14.26%

31 Dec 1131 Dec 1131 Dec 10 31 Mar 11 30 Jun 11 30 Sep 11 31 Dec 11

Core Equity Ratio* Core Capital Ratio & Risk Weighted Capital Ratio

31 Mar 12

17

Note:^ Based on latest indicative acceptance rate on the electable portion of the 4th DRP* Core Equity Ratio computation is based on phase-in / transitional arrangements announced by BNM & BCBS# Core Equity Ratio is capped at Core Capital Ratio & Risk Weighted Capital Ratio

And our DRP has been instrumental in preserving capital, while rewarding shareholders

Consistently rewarding shareholders with dividend in excess of policy of 40-60% Dividend Payout Ratio

G i id d ( ) d i (%)Gross Dividend (sen) and Payout Ratio (%)

76.5% 74.9% 75.0%Dividend Payout Ratio

Final

60.0% 61.0%

18 44

32 Interim

[ 88 6%* ]

[ 86.1%* ]

26 2836

[ 88.6%* ]

[ 91.1%* ][ 88.5%* ]

* Reinvestment rate for the Dividend Reinvestment Plan

118

FY08** FY09 FY10 FY11 FP11

[ 91.1% ]

18

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

Investor Presentation

Transformation Journey

Growth Drivers

Expansion in ASEAN & Beyond

Economic Update & Prospectsco o c Update & ospects

Key Takeaways

1919

Our Regional Aspirations

By 2015

Our Vision

By 2015

To be a Regional Financial Services Leader

Our Mission

St t i Obj ti

Humanising Financial Services Across Asia

1 U di t d N 1 R t il Fi i l S i id i M l i b Strategic Objectives 1. Undisputed No. 1 Retail Financial Services provider in Malaysia by 2015

2. Leading ASEAN wholesale bank eventually expanding to Middle East, China & India

3 U di t d I & T k f l L d i M l i & E i 3. Undisputed Insurance & Takaful Leader in Malaysia & Emerging Regional Player

4 Truly regional organisation with 40% of pre tax profit derived 4. Truly regional organisation, with ~40% of pre-tax profit derived from international operations by 2015

5. Global leader in Islamic Finance

20

5. Global leader in Islamic Finance

We are growing as part of the ASEAN Economic Community by 2015

The ASEAN Community

ASEAN Political-Security Community

The ASEAN Economic Community

An ASEAN single market and production base by 2015

ASEAN Demographics:

base by 2015

Comprises five core elements: 1 f fl f d

600 million people

1. free flow of goods2. free flow of services3. free flow of investment

p pand straddling

the 3.3 billion in China and India

4. freer flow of capital5. free flow of skilled labour.

21

And we are now in 9 out of 10 ASEAN countries, with plans to open in Laos.

Worldwide Presence: 19 countries ASEAN: 9 countries

Thailand Maybank KE: 45 branches

• Philippines:52 branches

• Maybank KE:3 branchesHong Kong:

1 branchMaybankKE:

London:1 branchMaybank KE:

China:1 branch1 rep office

Myanmar1 rep office

branches

• Cambodia:11 branches

• An Binh Bank:128 branches

• Vietnam: 2 branches

MaybankKE: 2 branch

Maybank KE: 1 branch

Bahrain:•New York:

Uzbekistan**

ASEANBrunei:3 branches

•Malaysia:392 branches

•Maybank KE:6 branches

Vietnam: 2 branches• MaybankKE: 11 branches

Bahrain:1 branch

IndiaMaybank KE: 1 branch

•New York:1 branch

•Maybank KE:2 branch

I d i

Singapore:22 branchesMaybank KE:4 branches

Papua New Guinea:

2 branches

PakistanMCB: 1,169 branches

Saudi Arabia*

IndonesiaBII: 368 branchesMaybank KE: 6 branches

2 branches

22

* 1 office via Anfaal Capital** 1 office via 35% owned Uzbek Leasing International

International Revenue & Loans contribution reached one-third of Group. Target to increase PBT contribution to 40%

R P fi B f T Gross loans

5.0% 6.5%6.2%

Revenue Profit Before Tax1Q FY2012

International:37%

International:27%

Gross loans

International:36%

(Jan 12 – Mar 12) * Including Islamic loans sold to Cagamasand excludes unwinding of interest

15.2%

6.8%

21.3%

8.3%

15 7%

15.5%

RM4.05b RM1.89b

37% 27%

RM287.1b*

36%

73.0%63.9%62.6%15.7% Mar 2012

3Q FY2011

8 2%

5.5%4.1% 5.0%3.6%68%12%16%4%Malaysia Singapore Indonesia Others

(Jan 11 – Mar 11)

19.9%

8.2%13.7%

11.7%

16.5%

RM3.17b RM1.58b RM242.8b*Mar 2011

66.4%77.2%

68.2%

International: International: International:

23

32% 23% 34%

Regional Initiatives to Drive Growth Across Markets

RegionalizationInitiatives

“In Flight”

Credit Cards

In Flight

• Develop regional system capabilities, loyalty & marketing programmes

Regional wealth management offering in three home marketsWealth Management

Payments - MME

• Regional wealth management offering in three home markets

• Sharing of business payment solution & best practices in regional offices

Virtual Banking

Auto Finance

• Consolidation of website and unified virtual banking platform

• Floor stocking / block discounting programmes for other countries

Maybank KE

Transaction Banking

• Gain business-wide efficiencies, and build capabilities throughout network

• Trade Connex platform, cash management regionalisation & new product launches

Global Markets • Regional sales activities in SG/HK & system upgrades in overseas units

24

Investor Presentation

Transformation Journey

Growth Drivers

Expansion in ASEAN & Beyond

Economic Update & Prospectsco o c Update & ospects

Key Takeaways

2525

Malaysia: Sustained Economic Growth for 2012

Inflation expected to moderate to 2 7% in 2012 (2011: 3 2%)Growth to be moderate at 4 0% ‐ 5 0% in 2012 (2011: 5 1%)

15

20

25

10

12

14

Transport (RHS)

6

9

12

140

150

160 CPI and components (% YoY)

Inflation expected to moderate to 2.7% in 2012 (2011: 3.2%)

Mar ‘12 CPI: +2.1% YoY

Growth to be moderate at 4.0% ‐ 5.0% in 2012 (2011: 5.1%)

Quarterly GDP and annual growth rate

Q411 GDP: +5.2% YoY

(10)

(5)

0

5

10

4

6

8

10

Food &Non-Alcoholic Beverages(3)

0

3

6

110

120

130

140

(25)

(20)

(15)

0

2

Feb-

07M

ay-0

7Au

g-07

Nov

-07

Feb-

08M

ay-0

8Au

g-08

Nov

-08

Feb-

09M

ay-0

9Au

g-09

Nov

-09

Feb-

10M

ay-1

0Au

g-10

Nov

-10

Feb-

11

May

-11

Aug-

11N

ov-1

1Fe

b-12

Utilities, Housing & Other Fuels

g

(9)

(6)

( )

90

100

3Q06

4Q06

1Q07

2Q07

3Q07

4Q07

1Q08

2Q08

3Q08

4Q08

1Q09

2Q09

3Q09

4Q09

1Q10

2Q10

3Q10

4Q10

1Q11

2Q11

3Q11

4Q11

OPR

2.90 4 0

4.5

F M A N F M A N F M A N F M A N F M A N F3 4 2 3 4 2 3 4 2 3 4 2 3 4 2 3 4

RMb (LHS) % YoY (RHS) % QoQ (RHS)

Ringgit/USD: RM3.16 by end 2012 OPR expected to remain unchanged at 3% until end of 2012

Ringgit Malaysia per USD OPR and SRR SRR2.95

3.00

3.05

3.10 2.0

2.5

3.0

3.5

4.0 25bp hikes in OPR in Mar, May, July 10 and May 11

OPR

SRR

3.15

3.20

3.25

-11

-11

-11

-11

-11

-11

-11

-11

-11

-11

-11

-11

-12

-12

-12

-12

-12

0.5

1.0

1.5

Jan-

07

Apr-

07

Jul-0

7

Oct

-07

Jan-

08

Apr-

08

Jul-0

8

Oct

-08

Jan-

09

Apr-

09

Jul-0

9

Oct

-09

Jan-

10

Apr-

10

Jul-1

0

Oct

-10

Jan-

11

Apr-

11

Jul-1

1

Oct

-11

Jan-

12

RM3.12 per USDas at 22nd May 2012

26

Jan-

Feb-

Mar

-

Apr

-

May

-

Jun-

Jul-

Aug

-

Sep

-

Oct

-

Nov

-

Dec

-

Jan-

Feb-

Mar

-

Apr

-

May

-

SRR OPR

Malaysia: Banking Sector to Remain Healthy

Total Loans grew 12.2% YoY for 1Q12 (Maybank Domestic: 13.8% YoY) Total Deposits grew 13.7% YoY (Maybank Domestic 21.2%)g % Q ( y % )

on

p g % ( y %)

on

20%

25%

1100115012001250

Total Deposits Total Deposits YoY Growth

14%

16%

18%

950 1,000 1,050

Total Loans Total Loans YoY Growth

Household YoY Growth Business YoY Growth

RM

billi

o

RM

billi

o

5%

10%

15%

850900950

100010501100

8%

10%

12%

14%

700750 800 850 900

0%

5%

750800850

Jan-

07

May

-07

Sep

-07

Jan-

08

May

-08

Sep

-08

Jan-

09

May

-09

Sep

-09

Jan-

10

May

-10

Sep

-10

Jan-

11

May

-11

Sep

-112%

4%

6%

550 600 650 700

n-07

pr-0

7ul

-07

ct-0

7n-

08pr

-08

ul-0

8ct

-08

n-09

pr-0

9ul

-09

ct-0

9n-

10pr

-10

ul-1

0ct

-10

n-11

pr-1

1pr

-12

Apr

-12

1516

Capital Adequacy remains strong at 14.7% for 1Q12 1Q12 (Maybank Domestic: 15.35%)

Gross NPL RM26.0b, Net NPL ratio: 1.74%

14 7%

J M S J M S J M S J M S J M SJan

Ap Ju Oc

Jan

Ap Ju Oc

Jan

Ap Ju Oc

Jan

Ap Ju Oc

Jan

ApAp A

2 5%35

Gross NPL - 3 Months (LHS) Net NPL (RHS)

1112131415

%

RM

bill

ion

14.7%

13.0%

2.0%

2.3%

2.5%

15

2025

3035

789

10

-08

-08

-08

-08

-09

-09

-09

-09

-10

-10

-10

-10

-11

-11

-11

-11

-12

-12

Core Capital RatioRisk Weighted Capital Ratio

R

1.5%

1.8%

0

510

15

1 1 1 1 1 1 1 1 1 1 1 1 2 2 2

27

Jan-

Apr

-

Jul-

Oct

-

Jan-

Apr

-

Jul-

Oct

-

Jan-

Apr

-

Jul-

Oct

-

Jan-

Apr

-

Jul-

Oct

-

Jan-

Apr

-

Jan-

1

Feb-

1

Mar

-1

Apr

-1

May

-1

Jun-

1

Jul-1

Aug

-1

Sep

-1

Oct

-1

Nov

-1

Dec

-1

Jan-

1

Feb-

1

Mar

-1

Singapore: Growth has stabilised but inflation remains a concern

Singapore’s economy remains on track to expand by 1 3% in 2012 but R l GDP th f 2012 t d t b 1% 3% Singapore s economy remains on track to expand by 1-3% in 2012, but renewed problems in the Eurozone and a persistent slowdown in China’s manufacturing sector could hurt prospects of the country’ trade-related industries in the near term.

Inflation rate forecast for 2012 has been raised from 2.5% - 3.5% to

Real GDP growth for 2012 expected to be 1% – 3% (2011: 4.9% )

15 20

7580

3.5% - 4.5%, with the tightening of COE supply expected to push up the cost of private car ownership. Core inflation forecast has also been raised to 2.5% - 3.0% in 2012 on the back of higher oil and food prices.

Unemployment rate is expected to rise from 2.0% in 2011 to 2.2% –2 4% i 2012 i hi ti l (10)

(5)0 5 10

5055606570

2.4% in 2012 as companies hire more cautiously.

DBU Loan growth to ease to around 7% - 10% in 2012 (from +30% in 2011), weighed by a slowdown in trade financing. transportation and property loans.

Net interest margin (NIM) to increase marginally to 1 8% 2 1% in 2012

(10)50

1Q 09

2Q 09

3Q 09

4Q 09

1Q 10

2Q 10

3Q 10

4Q 10

1Q 11

2Q 11

3Q 11

4Q 11

1Q 12 (E)

R l GDP (S$B) % Y Y G th (RHS)Net interest margin (NIM) to increase marginally to 1.8% - 2.1% in 2012 (vs. 1.7% – 2.0% in 2011) as banks factor in higher risk premiums in response to the uncertain economic climate. 3-month SIBOR to range between 0.35%-0.45% in 2012

Loan Growth expected to moderate to 7%-10% in 2012

Real GDP (S$B) % YoY Growth (RHS)

0.70

10%20%30%40%50% % YoY Growth

0.50

0.60

-10%0%

10%

0.30

0.40

Apr-

09

un-0

9

ug-0

9

Oct

-09

ec-0

9

eb-1

0

Apr-

10

un-1

0

ug-1

0

Oct

-10

ec-1

0

eb-1

1

Apr-

11

un-1

1

ug-1

1

Oct

-11

ec-1

1

eb-1

2

Apr-

12

28

Total Loans Business Loans Consumer Loans

A Ju Au O De Fe A Ju Au O De Fe A Ju Au O De Fe A

3-month SIBOR

Indonesia: Moderating but Respectable Growth for 2012

■ Q1 2012 GDP growth around 6.31%, lower than the growth in Q4 2011 at 6.49%. Slowing growth in Q1 2012 mainly come from slowing growth of exports (7.81% in Q1 2012 compared to 7.91% in Q4 2011) and investment (9.94% in Q1 2012 compare 11.52% in Q4 2011)D it high i fl ti t ti thi B k I d i t

Real GDP Growth: Slowing growth

8.00%(y-y)

■ Despite higher inflation expectation this year, Bank Indonesia stays to stimulate economic growth by maintain key policy rate at 5.75%.

■ USD/IDR will hover around 9000 area due to strong capital inflow and better risk appetite assuming the euro zone debt crisis solved. Yet with some volatility that might appear, we expect rupiah will

6.31%

5.00%

6.00%

7.00%

y g pp , p pmost likely be in the range of 9000 – 9,400

■ Loans growth is expected to grow 20% by the end of 2012 with the investment segment driving growth.

■ NPL is expected to reach 3.01% for 2012.

3.00%

4.00%

Q1 2003

Q4 2003

Q3 2004

Q2 2005

Q1 2006

Q4 2006

Q3 2007

Q2 2008

Q1 2009

Q4 2009

Q3 2010

Q2 2011

Q1 2012

Bank’s loan growth: Stable as at February 2012 Bank Indonesia maintain key policy rate at 5.75%

2003 2003 2004 2005 2006 2006 2007 2008 2009 2009 2010 2011 2012

30.0% (y-y %)

23.6%

20.0%15.0%

20.0%

25.0%Loan Deposits

8.0

10.0

12.0

14.0

Inflation y-y BI rate

(y y )

0.0%

5.0%

10.0%

2.0

4.0

6.0

29

Jan-10 Jun-10 Nov-10 Apr-11 Sep-11 Feb-12 0.0Nov-08 Apr-09 Sep-09 Feb-10 Jul-10 Dec-10 May-11 Oct-11 Mar-12

Prospects

Global GDP growth is forecast at 3% in 2012 (2011 est.3.8%)The Eurozone, US and China expected to record slower economic growth in 2012.

Group expects to see reasonable business growth in 2012– Malaysia: Economic Transformation Program (ETP) projects and relatively low interest rates (OPR at 3%

throughout 2012) in Malaysia– Indonesia: Strong domestic demand and a relatively under-penetrated banking sector.

Singapore: export-oriented economy will record slower growth than in 2011– Singapore: export-oriented economy will record slower growth than in 2011.

Strategy of responsible growth, equal focus on managing asset quality and liquidity through sound risk management practices, particularly given the current global environment.

Regionalisation initiatives: building a truly regional organisation and governance structure across all Regionalisation initiatives: building a truly regional organisation and governance structure across all functions by building physical infrastructure, such as IT, and in delivering value in areas such as investment banking, global wholesale banking, credit cards, global markets and payments.

Focus on further raising customer service quality, embedding right risk culture, and driving greater effectiveness and efficiency and improved cost structure.

BNM issued a concept paper on 25 May 2012 detailing out the revised definition of regulatory capital computation for industry consultation.

N i h di h l b l h ll h G i i i f fi i l f Notwithstanding the global challenges, the Group expects to maintain a satisfactory financial performance for FY2012 in view of expected growth in the key ASEAN markets where the Group operates. The Group is on track to achieve target Return on Equity of 15.6% on an enlarged equity base (FP11:16.2% annualised).

30

Investor Presentation

Transformation Journey

Growth Drivers

Expansion in ASEAN & Beyond

Economic Update & Prospectsco o c Update & ospects

Key Takeaways

3131

Management remains committed to focus on fundamentals & the Group’s regional development

Dato’ Khairussaleh Ramli officially began as Dato Khairussaleh Ramli officially began as President Director/CEO of BII on 6 April 2012.Mohamed Rafique Merican appointed Group CFO, effective on 1 June 2012Herminio M Famatigan Jr appointed as ne CEO of Herminio M. Famatigan Jr. appointed as new CEO of Maybank PhilippinesMichael Foong appointed Chief Strategy & Transformation Officer, Maybank Group

Group Chief FinancialFinancialOfficerMohamed RafiqueMerican Nora Abd Manaf

President DirectorPT Bank Internasional Indonesia (BII)Dato’ KhairussalehRamli

32

Key Takeaways

Investment Case

1 T f ti i t f

Leading financial services group in Malaysia

1

2

Transformation programme spurring strong performance

Emerging regional financial services leader

Growth prospects in three home markets

3

4 p p4

5 High dividend payout and robust capitalisation

Strong management team to support growth6

33

MALAYAN BANKING BERHAD14th Floor Menara Maybank14th Floor, Menara Maybank100, Jalan Tun Perak50050 Kuala Lumpur, MalaysiaTel : (6)03-2070 8833

www.maybank.com

Ronnie Royston FernandizHead Finance & Treasury Operations

Investor Relations Contact

Head, Finance & Treasury OperationsContact: (6)03-2074 8963Email: ronnie@maybank.com.my

Narita NazireeHead, Group Strategy ManagementContact: (6)03-2074 8101Email: naritanaziree.a@maybank.com.my

Raja Indra PutraHead, Investor RelationsContact: (6)03 2074 8582Contact: (6)03-2074 8582Email: 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 theinformation 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 theCompany 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 ofit form the basis of or be relied in any connection with any contract investment decision or commitment whatsoever

34

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 inconnection therewith.