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Humanising Financial Services Investor Presentation Financial Results First Quarter FY2015 ended 31 March 2015 28 May 2015 0 www.maybank.com

Table of Contents Executive Summary Financial Performance Prospects & Outlook 2 7 23 Appendix: Business Sector Review 1. Community Financial Services 2. Global Banking 3. Maybank Singapore 4. Bank Internasional Indonesia 5. Other segments 6. Affiliates 26 31 36 40 45 50 Financial Results: 1st Quarter FY2015 ended 31 March 2015 1

Group Overview Maybank s strong 1Q FY2015 performance driven by higher fee income and loans growth 1 Net profit growth of 6.2% YoY to RM1.70 billion, supported by higher fee and fund based income 2 Group loans growth of 8.4% (ann.) within reach of FY2015 guidance, supported by growth in regional CFS portfolio 3 Pick-up in net fee-based income of 19.9% YoY due to higher service charges, fees and brokerage income 4 Improved CASA ratios for Malaysia and Indonesia at 41.2% and 39.2% respectively 5 CIR remains within Group s internal threshold of 50% 6 Group asset quality stable with GIL at 1.50% 7 Strong capital positions with CET1 ratio at 11.15%* and total capital ratio at 15.35%* 2 *After proposed dividend and assumption of 85% reinvestment rate. Fully loaded Group CET1 ratio is 10.63%

Results Overview (1/2) Group net profit for 1Q FY2015 grew 6.2% YoY to RM1.70 billion Net profit growth of 6.2% YoY, ROE at 12.8% Higher net profit was contributed by: Net operating income growth of 12.5% YoY, with higher income registered across all business pillars: Global Banking +11.8% Community Financial Services (CFS) +10.0% International Banking +6.6% Insurance & Takaful +0.1% Offset by: Increase in overheads due to rise in personnel costs, admin/general and marketing expenses Higher net impairment losses Strong YoY net operating income growth of 12.5% Net fee based income growth of 19.9% from: Increase in commission, service charges and fees by 19.4% Islamic Banking fee-based income growth by 59.0% Higher net earned insurance premiums by 7.0% Higher net fund based income growth of 9.3% due to: Net interest income growth of 8.9%, driven by Group loans growth of 14.3% YoY Islamic Banking fund based income growth of 10.8%, as Islamic financing grew by 29.5% YoY Net interest margin performance Compressed by 11 bps YoY due to: Higher cost of funding in Malaysia Improved by 6 bps QoQ due to: Better NIM for Malaysia arising from improved funding cost 3

Results Overview (2/2) Strong balance sheet growth with stable Group asset quality Group loans growth of 8.4% YTD (ann.) Supported by: International loans growth of 11.3%, led by growth in Labuan Offshore at 42.8%, the Philippines at 32.5%, Greater China at 15.6% and Indonesia at 5.0% Malaysia loans grew 3.8%, supported by growth in consumer loans at 9.2% and SME loans at 21.7% However, Singapore loans were lower by 1.1%, mainly due to slowdown in corporate lending Group deposit growth of 6.8% YTD (ann.) Supported by: Deposits from International markets grew 17.5%, with improved deposit gathering in Indonesia with growth at 7.6% Double-digit CASA growth in Malaysia and FD growth of 8.1% However, Singapore s deposit base contracted 3.9% due to lower savings and fixed deposits Stable Group asset quality Group GIL improved to 1.50% (Mar 2014: 1.52%) Lower Malaysia GIL at 1.75% (Mar 2014: 1.77%) However, uptick in Singapore and Indonesia due to specific accounts Other Corporate Developments Key management appointments at Group and subsidiary level Launch of inaugural Samurai bond issuance in April 2015 Proposed sale of Maybank (PNG) Limited and Mayban Property (PNG) Limited Reinvestment rate of 82.6% for Maybank s 10 th Dividend Reinvestment Plan 4

1Q FY2015 Headline Key Performance Indicators Group to focus on picking up momentum in three home markets for coming quarters Annualised YoY Key Performance Indicators FY2015 Guidance Maybank Achievement (1Q FY2015) Industry Average Peer Average Maybank Achievement (1Q FY2015) Industry Average Peer Average Headline KPI Return on Equity 13.0%-14.0% 12.8% - - - Other Guidance Group Loans Growth 9.0%-10.0% 8.4% - 6.2% 14.3% - 12.7% Malaysia 8.0%-9.0% 3.8% 6.6% 8.6% 10.2% 9.2% 6.9% Singapore # 8.0%-9.0% (1.1)% (4.5)% 10.7% 11.6% 2.3% 11.2% Indonesia # 13.0%- 15.0% 5.0% 0.7% (5.5)% 7.1% 11.1% 10.0% Group Deposits Growth 9.0%-10.0% 6.8% - 11.8% 13.0% - 14.2% Notes: # in local currency terms Singapore s industry loan growth average comprises domestic business unit (DBU) loans 5

P&L Summary: 1Q FY2015 Net profit rose 6.2% YoY to RM1.70 billion, led by higher revenue growth of 12.5% More details on RM million 1Q FY2015 1Q FY2014 YoY 4Q FY2014 QoQ s.11 Net fund based income * 3,415.4 3,124.3 9.3% 3,137.5 8.9% s.11 Net fee based income * 1,572.1 1,310.8 19.9% 1,941.0 (19.0)% Fee based income and net earned insurance premiums 2,669.9 2,231.2 19.7% 2,684.1 (0.5)% s.12 Fee based income¹ 1,682.9 1,309.0 28.6% 1,657.2 1.6% s.8 Net earned insurance premiums 987.1 922.2 7.0% 1,026.9 (3.9)% s.8 Net insurance benefits & claims incurred, net fee & commission expenses and life & takaful fund tax (1,097.8) (920.4) 19.3% (743.1) 47.7% s.10 Net operating income 4,987.5 4,435.1 12.5% 5,078.5 (1.8)% s.18 Overhead expenses (2,489.3) (2,168.4) 14.8% (2,572.9) (3.3)% s.10 Pre-provisioning operating profit (PPOP) ² 2,498.2 2,266.7 10.2% 2,505.6 (0.3)% Net impairment losses (298.6) (95.4) 212.9% (119.5) 150.0% Operating profit 2,199.6 2,171.3 1.3% 2,386.1 (7.8)% s.9 Profit before taxation and zakat (PBT) 2,242.0 2,207.8 1.6% 2,431.0 (7.8)% Profit attributable to equity holders of the Bank (Net Profit) 1,700.4 1,601.6 6.2% 1,931.2 (12.0)% EPS - Basic (sen) 18.3 18.1 1.0% 20.8 (12.0)% ¹Fee-based income is the combined value of other operating income and fee-based income from Islamic Banking operations ²Pre-provisioning operating profit (PPOP) is equivalent to operating profit before impairment losses * From consolidated Group numbers, Insurance and Takaful accounts for 6.5% of net fund based income and 12.1% of net fee-based income 7

Unaudited Income Statement for Insurance and Takaful Business Lower operating profit for 1Q FY2015 due to lower equity gain as a result of higher impairment 8 RM million 1Q FY2015 1Q FY2014 YoY Interest income 236.5 233.2 1.4% Interest expense (8.4) (5.1) 65.7% Net interest income 228.1 228.1 0.0% Net earned premiums 987.1 922.2 7.0% Other operating income 189.0 78.1 141.8% Total operating income 1,404.1 1,228.4 14.3% Net insurance benefits & claims incurred, net fee & commission expenses and life & takaful fund tax (1,124.8) (944.0) 19.2% Net operating income 279.3 284.5 (1.8)% Overhead expenses (171.5) (144.1) 19.0% PPOP 107.8 140.4 (23.2)% Net impairment losses (58.0) (0.3) >100% Operating profit 49.8 140.1 (64.4)% Reconciliation of net insurance benefits & claims incurred, net fee & commission expenses and life & takaful fund tax RM million 1Q FY2015 1Q FY2014 YoY Net insurance benefits & claims incurred, net fee & commission expenses and life & takaful fund tax (1,124.8) (944.0) 19.2% Less: intercompany elimination 27.0 23.5 14.8% Total net insurance benefits & claims incurred, net fee & commission expenses and life & takaful fund tax (1,097.8) (920.4) 19.3%

International & Malaysia Portfolio Mix 1Q FY2015 International contribution to Group revenue and PBT at 34.5% and 29.5% respectively 1Q FY2015 (Jan 15 Mar 15) Net Income Profit Before Tax Gross loans* Overseas: 34.5% 6.5% 12.5% Overseas: 29.5% 3.9% 13.2% Overseas: 40.9% 9.8% 7.6% 15.5% RM4.99b 65.5% 12.4% RM2.24b 70.5% 23.5% RM419.0b 59.1% 1Q FY2014 (Jan 14 Mar 14) 7.7% 12.2% 15.3% RM4.44b 64.8% Malaysia Singapore Indonesia Others 15.1% 4.0% 12.8% RM2.21b 68.1% 22.8% 7.8% 8.1% RM366.6b 61.3% Overseas: 35.2% Overseas: 31.9% Overseas: 38.7% * Including Islamic loans sold to Cagamas and excludes unwinding of interest & EIR adjustment 9

Business Segment Performance 1Q FY2015 (1/2) Net operating income growth of 12.5% supported by strong growth in Global Banking, CFS and International Banking Net Operating Income +12.5% 4,988 4,435 Global Banking (GB) +11.8% 1Q FY2014 1Q FY2015 RM million +10.0% +3.0% +12.1% +26.7% +49.1% +6.6% +0.1% 1,963 1,785 1,391 1,483 552 569 419 469 251 318 308 308 25 38 Total Community Financial Services Corporate Banking Global Markets Investment Banking Asset Management International Banking Insurance & Takaful PPOP 1Q FY2014 +10.2% 1Q FY2015 2,267 2,498 Global Banking (GB) +9.3% +2.3% -0.6% +12.9% +113.3% +23.7% +3.1% -13.2% RM million 891 911 425 422 360 406 28 59 4 5 694 716 162 141 Total Community Financial Services Corporate Banking Global Markets Investment Banking Asset Management International Banking Insurance & Takaful Note: Net income & PPOP for group includes expenditures of Head Office & Others of RM296.5 million for 1Q FY2014 and RM161.3 million for 1Q FY2015. 10

Business Segment Performance 1Q FY2015 (2/2) Stronger net fee based growth of 19.9% driven by CFS Malaysia and Global Banking units Net Fund Based Income 1Q FY2014 +9.3% Global Banking (GB) +7.0% 1Q FY2015 3,124 3,415 +7.1% +7.7% +3.4% +19.8% -113.3% +21.7% +0.8% RM million 1,371 1,468 385 414 180 186 40 48 1 (0) 994 1,209 228 230 Total Community Financial Services Corporate Banking Global Markets Investment Banking Asset Management International Banking Insurance & Takaful Net Fee Based Income 1Q FY2014 +19.9% 1Q FY2015 1,572 Global Banking (GB) +16.3% 1,311 +19.6% -7.6% +18.6% +28.0% +56.9% -31.1% -2.1% RM million 414 495 167 239 283 155 211 270 24 38 397 274 80 78 Total Community Financial Services Corporate Banking Global Markets Investment Banking Asset Management International Banking Insurance & Takaful Note: Net fund based income includes expenditures of Head Office & Others of RM74.7 million for 1Q FY2014 and RM140.2 million for 1Q FY2015. Net fee based income includes expenditures of Head Office & Others of RM221.8 million for 1Q FY2014 and RM21.1 million for 1Q FY2015 11

Net Fee Based Income: 1Q FY2015 Other operating income grew 26.7% YoY on higher commission, service charges and fees and foreign exchange gain 1Q FY2014 1Q FY2015 1,232 +26.7% +19.4% -14.7% +54.8% +122.4% +46.4% +7.0% +19.3% +59.0% 1,561 785 937 922 987 RM million 279 238 (58) (91) 190 423 37 54 (920) (1,098) 77 122 Other Operating Income Commission, service charges and fees Investment & Trading Income Unrealised gain/ (losses) on securities & derivatives Foreign Exchange Profit Other Income Net Earned Insurance Premiums Net Insurance Benefits & Claims Incurred, Net Fee & Commission Expenses and Life & Takaful Fund Tax Fee Income from Islamic Operations 12

Group Loans Growth: 31 Mar 2015 Group loans growth of 8.4% (ann.) led by International loans growth of 11.3% (ann.) 31 Mar 2015 31 Dec 2014 YTD Annualised %of Portfolio 31 Mar 2014 YoY Group Gross Loans¹ 419.0 410.5 8.4% - 366.6 14.3% Malaysia (RM billion) ² 245.9 243.6 3.8% 59% 223.2 10.2% Community Financial Services 171.8 168.8 7.2% 70% 154.5 11.2% Global Banking 74.1 74.8 (3.9)% 30% 68.6 8.0% International (RM billion) 167.0 162.4 11.3% 40% 139.9 19.4% Singapore (SGD billion) 35.0 35.1 (1.1)% 56% 31.4 11.6% Community Financial Services (reported) 17.7 14.8 79.7% 51% 12.8 38.9% Community Financial Services (normalised) 15.5³ 14.8 18.9% 51% 12.8 21.1% Global Banking (reported) 17.0 20.1 (60.6)% 49% 18.6 (8.5)% Global Banking (normalised) 19.2³ 20.1 (17.9)% 49% 18.6 3.2% Others 0.3 0.3 (1.1)% - 0.0 >100% Indonesia (Rupiah trillion) 110.7 109.3 5.0% 19% 103.4 7.1% Community Financial Services 85.6 84.1 7.3% 78% 73.8 16.0% Global Banking 24.7 24.9 (3.6)% 22% 29.2 (15.4)% Others 0.4 0.3 99.0% - 0.4 0.0% Other markets (RM billion) 41.3 38.8 26.2% 25% 28.7 43.9% Investment banking (RM billion) 6.1 4.4 152.8% 1% 3.6 69.0% ¹ Including Islamic loans sold to Cagamas and excludes unwinding of interest ² Takes into account others portion - Mar 15: 0.0 vs Mar 14: 0.0 ³ Normalised loan growth as at 31 March 2015, prior to a transfer of S$2.2 billion from GB to CFS for Business Banking segment due to realignment to the Group Customer Segmentation 13

Malaysia Loans Growth: 31 Mar 2015 Consumer portfolio grew 9.2% (ann.), driven by strong growth in credit cards, mortgage and auto finance RM billion 31 Mar 2015 31 Dec 2014 YTD Annualised % of Portfolio 31 Mar 2014 YoY Community Financial Services 171.8 168.8 7.2% 70% 154.5 11.2% Consumer 138.9 135.7 9.2% 81% 124.9 11.2% Total Mortgage 62.8 60.9 12.1% 45% 55.0 14.1% Auto Finance 39.7 38.6 10.7% 29% 35.9 10.4% Credit Cards 6.0 5.8 12.7% 4% 5.4 11.9% Unit Trust 28.3 28.3 0.4% 20% 26.9 5.3% Other Retail Loans 2.1 2.1 3.8% 2% 1.7 26.1% Business Banking + SME 33.0 33.1 (0.9)% 19% 29.6 11.3% Business Banking + SME (Re-based¹) 33.0 31.9 13.7% 19% 29.6 11.3% SME 7.9 7.5 21.7% 24% 5.7 38.9% Business Banking 25.1 25.5 (7.5)% 76% 23.9 4.7% Global Banking (Corporate) 74.1 74.8 (3.9)% 30% 68.6 8.0% Total Malaysia² 245.9 243.6 3.8% - 223.2 10.2% ¹ Re-based loan growth figures are based on adjusted 31 Dec 2014 position in line with migration of client accounts, implemented on 1 January 2015. Re-based growth was 37.3% for SME and 6.7% for Business Banking. ² Including Islamic loans sold to Cagamas and excludes unwinding of interest and takes into accounts others portion Mar 15: 0.0 vs Mar 14: 0.0 14

Group Deposit Growth: 31 Mar 2015 Group deposit growth of 6.8% (ann.) led by stronger deposit mobilisation in international markets 31 Mar 2015 31 Dec 2014 YTD Annualised % of Portfolio 31 Mar 2014 YoY Group Gross Deposits 447.1 439.6 6.8% - 395.7 13.0% Malaysia (RM billion) 278.6 278.3 0.4% 62% 258.2 7.9% Savings Deposits 39.7 38.5 12.6% 14% 39.1 1.6% Current Accounts 74.9 72.8 11.7% 27% 64.0 17.0% Fixed Deposits 143.6 140.8 8.1% 52% 136.6 5.1% Others 20.3 26.2 (89.7)% 7% 18.5 10.2% International 170.0 162.9 17.5% 38% 139.4 22.0% Singapore (SGD billion) 39.2 39.6 (3.9)% 11% 33.5 17.1% Savings Deposits 4.3 4.5 (20.9)% 11% 4.3 0.0% Current Accounts 5.3 5.3 0.2% 14% 4.3 22.7% Fixed Deposits 28.7 29.0 (3.3)% 73% 24.2 18.8% Others 0.9 0.8 45.6% 2% 0.6 33.6% Indonesia (Rupiah trillion) 104.7 102.8¹ 7.6% 16% 104.3 0.4% Savings Deposits 23.7 23.5 4.2% 23% 24.0 (1.4)% Current Accounts 17.3 16.3 23.8% 16% 15.4 12.3% Fixed Deposits 63.7 62.4 8.1% 61% 64.8 (1.8)% 15 ¹ Includes Others of Rupiah 0.6 trillion

LDR and CASA Ratio: 31 Mar 2015 Group CASA ratio stable while CASA ratios in Malaysia and Indonesia improved due to higher current account growth Group LDR CASA Malaysia 91.0% 90.6% 90.6% 91.8% 92.2% 87.9% 86.8% 83.9% 89.5% 91.5% 35.8% 35.7% 34.5% 35.3% 35.4% 40.0% 39.9% 38.1% 39.9% 41.2% Mar 14 Jun 14 Sep 14 Dec 14 Mar 15 Mar 14 Jun 14 Sep 14 Dec 14 Mar 15 Singapore BII Group LDR (Bank Level) 93.5% 94.7% 95.8% 88.4% 89.1% 98.3% 101.1% 102.7% 105.3% 104.5% 88.9% 90.8% 91.1% 92.7% 91.9% 25.8% 25.8% 25.2% 24.9% 24.5% 37.8% 38.3% 38.4% 38.7% 39.2% Mar 14 Jun 14 Sep 14 Dec 14 Mar 15 Mar 14 Jun 14 Sep 14 Dec 14 Mar 15 16

Key Operating Ratios Overall operating ratios expected to remain stable through FY2015 (%) 1Q FY2015 1Q FY2014 Variance YoY Variance QoQ 4Q FY2014 Return on Equity 12.8 13.8 (1.0)% (3.1)% 15.9 Net Interest Margin 2.26 2.37 (11 bps) 6 bps 2.20 Fee to Income Ratio 31.5 29.6 1.9% (6.7)% 38.2 Loans-to-Deposit Ratio 92.2 91.0 1.2% 0.4% 91.8 Cost to Income Ratio¹ 49.7 48.6 1.1% (0.7)% 50.4 Asset Quality Gross Impaired Loans Ratio 1.50 1.52 (2 bps) (2 bps) 1.52 Net Impaired Loans Ratio 1.06 0.99 7 bps 2 bps 1.04 Loans Loss Coverage 93.5 107.2 (13.7)% (2.1)% 95.6 Net Charge off rate (bps) (24) (23) (1 bps) (29 bps) 5 Capital Adequacy (Group)² CET1 Capital Ratio 11.15 10.76 39 bps (24 bps) 11.39 Total Capital Ratio 15.35 15.11 24 bps (53 bps) 15.88 ¹ Total cost excludes amortisation of intangibles for BII and Kim Eng. ² The capital ratios are adjusted based on the assumption of 85% reinvestment rate under the DRP 17

Overheads: 1Q FY2015 Group CIR remained within internal threshold despite overheads growth Group overheads composition (RM mil) 1Q FY2015 1Q FY2014 YoY 4Q FY2014 QoQ Personnel Costs 1,419.3 1,237.3 14.7% 1,351.8 5.0% IT Expenses 99.4 105.9 (6.2)% 169.4 (41.4)% Establishment Costs 279.0 255.5 9.2% 280.1 (0.4)% Marketing Expenses 171.3 135.3 26.6% 177.5 (3.5)% Administration & General Expenses 520.3 434.3 19.8% 594.1 (12.4)% Total 2,489.3 2,168.4 14.8% 2,572.9 (3.3)% % 1Q FY2015 1Q FY2014 YoY 4Q FY2014 QoQ Total Cost to Income 49.7 48.6 1.1 50.4 (0.7) Group JAW Position (2.3) 1.5 Note: Excluding one-off expenses such as higher gift point expenses and operational costs as well as provisioning for Maybank staff union s collective agreement, overheads growth was 10.7% YoY for 1Q FY2015 with CIR of 48.1%. 18

Asset Quality: 31 Mar 2015 Group GIL improved YoY to 1.50%, with loan loss coverage at a comfortable level Allowance for losses on loans Group Impaired Loans Ratio Loan loss coverage Allowances for losses on loans Gross Impaired Loans Ratio (%) Net Impaired Loans Ratio (%) 107.2% 107.7% 95.4% 95.6% 93.5%* 1.89 1.86 1.83 1.48 1.52 1.50 1.65 1.52 1.50 248.0 210.1 RM million 154.4 70.5 1.18 1.09 1.06 0.95 0.99 0.97 1.13 1.04 1.06-34.6 1Q FY2014 2Q FY2014 3Q FY2014 4Q FY2014 1Q FY2015 Mar 2013 Jun 2013 Sep 2013 Dec 2013 Mar 2014 Jun 2014 Sep 2014 Dec 2014 Mar 2015 *Loan loss coverage including Regulatory Reserve is 97.9% 19

Asset Quality by Market Improved credit quality in Malaysia, with uptick in Singapore and Indonesia due to specific accounts Malaysia Singapore BII Group Gross Impaired Loans Ratio (%) Net Impaired Loans Ratio (%) 1.77 1.12 1.71 1.05 2.04 1.37 1.85 1.75 1.25 1.23 0.29 0.21 0.26 0.20 0.24 0.23 0.18 0.18 0.30 0.24 2.98 2.53 3.53 2.95 3.32 2.82 3.24 2.63 3.49* 2.78* Mar 14 Jun 14 Sep 14 Dec 14 Mar 15 Mar 14 Jun 14 Sep 14 Dec 14 Mar 15 Mar 14 Jun 14 Sep 14 Dec 14 Mar 15 *BII reported gross NPL (2.80%) and net NPL (1.91%) whereas the chart above represents BII Group s gross impaired loans ratio and net impaired loans ratio 20

Capital Adequacy: 31 Mar 2015 Total capital ratio at 15.35% (assuming 85% dividend reinvestment rate) and CET1 at 11.15% Group Before proposed dividend After proposed dividend, assuming 85% reinvestment rate After proposed dividend, based on BNM s Implementation Guideline * After proposed dividend, assuming 85% reinvestment rate 15.69% 15.35% 15.28% 15.88% 13.21% 12.86% 12.79% 13.18% 11.50% 11.15% 11.09% 11.39% Mar 15 Mar 15 Mar 15 Dec 14 Total Capital Ratio Tier 1 Capital Ratio CET 1 Capital Ratio Bank 15.52% 15.04% 14.95% 15.78% 14.64% 14.16% 14.07% 15.78% Mar 15 Mar 15 Mar 15 Dec 14 Tier 1 and Total Capital Ratio CET 1 Capital Ratio Note: Based on 85% reinvestment rate under the DRP, fully loaded, the CET1 Ratio would be at 10.63% (Group) and 9.38% (Bank) respectively. * Capital ratios computed based on BNM s implementation Guidelines on Capital Adequacy Framework (Capital Components) issued on 8 th May 2013. 21

Market Outlook Key trends and developments affecting the banking industry in second quarter Malaysia Singapore Indonesia Key Indicators GDP(f) 4.9% (2014: 6%) System loan(f) 7-8% System deposit(f) 6-7% OPR 3.25% (2014: 3.25%) USD/MYR (f) 3.60 (end 2014: 3.50) Inflation (f) 2.5%-3.5% (2014: 3.2%) GDP(f) 2.5% (2014: 2.9%) System loan(f) 5%-6% System deposit(f) 5% USD/SGD (f) 1.35 (2014: 1.28) Inflation (f) 0%-1% (2014: 1.0%) GDP(f) 5.50% (2014: 5.02%) System loan(f) 13% System deposit(f) 13% Reference Rate (f) 7.25% (2014: 7.75%) USD/IDR average (f) 13160 (2014: 11885) Inflation average (f) 5.01% (2014: 8.36%) Outlook Consumer lending to moderate in 2Q, post-gst Competition for retail deposits to persist Ongoing infrastructure spending to support corporate lending and debt capital markets Overall asset quality expected to be stable; uptick in household NPLs, if any, likely to be marginal. Cost management key to sustain earnings growth Business loan growth expected to be muted. Primarily due to weakness in trade loans, especially from China NIM improvement from higher interest rates Asset quality to remain stable, with sporadic weakness Slower corporate lending on revised GDP target of 5.4% by government. Consumer demand to remain resilient given government support Potentially weaker asset quality on slower economic growth. NPL rates estimated to remain below 3% in 2015 Recent cut in benchmark rate expected to help ease competition, therefore funding cost 23

Maybank Performance Outlook Group performance in second quarter to remain supported by loan and fee income growth 1 Pockets of loan growth opportunities in consumer, SME and corporate segments 2 Continued growth in key international markets 3 Fee income growth supported by better deal pipeline and brokerage but loan related fees to remain muted 4 Cost optimisation in discretionary areas of spend 4 Continued emphasis on capital efficient strategy 5 Group asset quality to remain stable, with any potential uptick confined to specific accounts in home markets 24

Community Financial Services (1/4) Advancing our domestic market share in retail CASA deposits and holding steady in consumer loans 26 *Refers to housing and shophouse loan **Credit cards market share refer to Receivables for commercial banks ^Based on latest available data

Community Financial Services (2/4) Growth in HNW and Affluent customer segments on the back of continued consumer loans growth HNW & Affluent Customer TFA grew 11.8% YoY with higher product cross sell ratio 137.3 6.48 141.6 6.54 145.3 6.59 150.4 153.5 6.65 6.70 Consumer loans grew 9.2% (ann.) to RM138.9 billion 138.9 135.7 131.3 128.4 124.9 1Q 2014 2Q 2014 3Q 2014 4Q 2014 1Q 2015 TFA RM'b Product per customer 1Q 2014 2Q 2014 3Q 2014 4Q 2014 1Q 2015 Consumer Loan Balance RM'b Mass Customer TFA grew 4.1% YoY with an increase in customer s share of wallet 103.2 3.04 104.7 3.08 105.5 3.11 106.4 107.4 3.12 3.15 Retail SME and Business Banking loans grew by 13.7%* (ann.) to RM33.0 billion 33.1 33.0 31.4 31.9* 31.0 29.6 *Re-based loan growth figures are based on adjusted 31 Dec 2014 position in line with migration of client accounts to GB ** 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 & Protection), IA: Investable Assets (Deposits & Investments) 27 1Q 2014 2Q 2014 3Q 2014 4Q 2014 1Q 2015 TFA RM'b Product per customer 1Q 2014 2Q 2014 3Q 2014 4Q 2014 1Q 2015 SME + BB Loan Balance RM'b

Community Financial Services (3/4) Sustained deposit growth of 8.4% (ann.), from Consumer, SME and BB portfolios CFS deposits grew 8.4%* (ann.) for 1Q FY2015 driven by Consumer, SME and BB deposit growth Consumer deposits grew 8.6% (ann.) 186.6 190.0 116.9 119.4 169.6 174.2 178.7 186.1* 111.0 112.4 114.1 75.0 70.0 65.0 60.0 55.0 50.0 45.0 40.0 28 1Q 2014 2Q 2014 3Q 2014 4Q 2014 1Q 2015 58.5 CFS Deposit Balance RM'b Retail SME and Business Banking recorded growth of 8.1% (ann.) 61.8 64.6 69.7 70.6 69.2* 1Q 2014 2Q 2014 3Q 2014 4Q 2014 1Q 2015 SME+BB Deposit Balance RM'b * Re-based deposit growth figures are based on adjusted 31 Dec 2014 position in line with migration of client accounts to GB 1Q 2014 2Q 2014 3Q 2014 4Q 2014 1Q 2015 Consumer Deposit Balance RM'b CFS deposit annualised growth of 8.4% was supported by growth in consumer and Retail SME/BB. Consumer deposits QoQ growth of RM2.5 billion in 1Q 2015 was largely driven by Retail CASA, improving the market share to 25.3%. CFS deposits also saw double digit YoY growth driven by strong growth in all segments. Retail SME grew by RM9.5 billion, or 22.2%, YoY while Business Banking increased by RM2.6 billion, or 16.6%, YoY based on execution of Tactical Account Management for both borrowing and non borrowing customers.

Community Financial Services (4/4) Strong credit asset quality with continued improvement in CFS GIL 4,800 CFS GIL improved QoQ to 1.9% in 1Q 2015 from 2.0% in 4Q 2014 3,600 2,872 2,813 3,658 3,457 3,334 Consumer GIL held steady while Retail SME/BB improved QoQ 2,400 1.9% 1.8% 2.2% 2.0% 1.9% 1,200-1Q 2014 2Q 2014 3Q 2014 4Q 2014 1Q 2015 GIL RM'm GIL % -1.8% ¹As at March 2015, industry GIL for BB is a proxy figure based on total GIL after deducting Consumer & SME GIL Retail SME & BB GIL improved QoQ to 7.9% from 8.5% in 3,500 4Q 2014 2,999 3,000 2,803 2,585 2,500 2,205 2,143 2,000 1,500 9.6% 8.5% 1,000 7.5% 7.0% 7.9% 500 3.5% 3.0% 2.7% 2.4% 2.3% - 0.1% 1Q 2014 2Q 2014 3Q 2014 4Q 2014 1Q 2015 GIL RM'm GIL % for SME & BB GIL % for SME Consumer financing GIL held steady QoQ and YoY as at 1Q 2015. Retail SME and BB GIL showed QoQ improvement at 7.9% as at 1Q 2015. The YoY uptick was contributed by the impairment of legacy BB loans, which originated prior to the BB transformation undertaken in FY2010. BB GIL for new loan book, defined as loans approved from July 2010 onwards, was 1.6%. BB GIL improved QoQ to 9.6% as at 1Q 2015. Close monitoring of asset quality and recovery efforts will continue to be undertaken to further improve GIL. 29

Global Banking (1/4) Corporate banking loans lower by 3.9% (ann.) for 1Q FY2015 Total GB loans decreased by 3.9% (ann.) to RM74.1 billion but grew 8.0% YoY RM billion Term Loan 34.7 35.0-3.6% YoY Trade Finance market share ¹ 25.5% 25.4% 24.8% 25.8% 24.6% 36.0 Mar'14 Jun'14 Sep'14 Dec'14 Mar'15 Trade Finance and Others 29.9 37.1 37.5 +24.1% YoY Corporate Banking GIL ratio improved to 1.31% on a YoY and QoQ basis Overdraft 2.3 2.3-14.8% YoY Mar'15 Dec'14 1.62% 1.59% 1.57% 1.43% 1.31% 2.7 Mar'14 1 Market share of total trade products (On Balance Sheet items, Contingent Liabilities and Others) Mar'14 Jun'14 Sep'14 Dec'14 Mar'15 31

Global Banking (2/4) Revenue growth for Global Markets business regionally was 3.9% YoY PBT and Revenue grew by 0.7% and 3.9% YoY respectively RM million 570 574 +0.7% 661.7 Net interest income Non-interest income 687.8 302.8 319.0 358.9 368.8 +3.9% Group Securities Portfolio grew 1.5% YoY RM billion 102.3 107.8 101.0 104.6 103.8 10.6 11.8 8.7 9.2 10.3 40.9 41.4 44.5 44.5 45.5 50.8 50.9 51.5 50.9 48.0 +1.5% YoY Others PDS/Corp Bonds Govt. Securities 32 1Q FY14 PBT 1Q FY15 Note: PBT & Revenue includes regional performance 1Q FY14 Others (NIDs, BA, etc) 9.9% PDS Foreign 17.5% 26.3% PDS/Corp Bonds -Domestic 1Q FY15 Revenue Group Securities Portfolio: 39.5% Foreign Securities as at Mar 2015 YTD Mar 14 YTD Mar 15 Others (NIDs, BA, etc) PDS Foreign 17.2% 22.8% PDS/Corp Bonds -Domestic 10.4% RM102.3 billion Government Securities -Domestic 25.8% 23.9% Government Securities -Foreign RM 103.8 billion Government Securities -Domestic 24.3% 22.0% Government Securities -Foreign Mar'14 Jun'14 Sep'14 Dec'14 Mar'15 45.4% of GM PDS (Maybank Conventional Malaysia) rated AA or above as at Mar 2015 A <A 0.3% 0.1% AA 19.3% AAA 23.4% YTD Mar 14 RM17.7 billion Commercial Papers 0.8% SA (Govt. Guaranteed) 56.1% A 0.4% <A 0.8% AA 18.0% AAA 27.4% YTD Mar 15 Commercial Papers 3.1% RM21.6 billion Note: Group PDS (Maybank Malaysia) for YTD Mar 2014 and YTD Mar 2015 are RM19.6 billion and RM23.5 billion respectively SA (Govt. Guaranteed) 50.3%

Global Banking (3/4) Notable deals completed from January to March 2015 Malaysia Singapore Malaysia Malaysia Turkey Malaysia Sapurakencana TMC Sdn Bhd Pacific Andes Resources Dev t PETRONAS Capital Ltd PETRONAS Global Sukuk Ltd KT Kira Sertifikalari Varlik Kiralama A.Ş. Gamuda Berhad USD 2.32 billion SGD 195.5 million USD 15 billion USD 1.25 billion MYR 300 million MYR 5 billion Syndicated Term Financing Coordinating Bank Joint Mandated Lead Arranger Investment Agent Security Agent Initial Public Offering Sole Financial Adviser Sole Bookrunner Joint Underwriter Global Medium Term Note Programme Joint Bookrunner Islamic Trust Certificates Joint Bookrunner Sukuk Wakalah Joint Principal Adviser Joint Lead Arranger Joint Lead Manager Joint Bookrunner Joint Shariah Advisor Sukuk Trustee IMTN and ICP Programme Joint Principal Adviser Joint Lead Arranger Joint Lead Manager January 2015 January 2015 March 2015 March 2015 March 2015 March 2015 Malaysia Malaysia Malaysia Hong Kong Thailand EcoWorld Development Berhad Malaysia Airports Holdings Berhad Mah Sing Group Berhad Samson Paper Company Ltd Platinum Group MYR 788 million MYR 1.32 billion MYR 629 million HKD 728 million THB 5.18 billion Rights Issue Joint Principal Adviser Joint Underwriter Rights Issue Joint Principal Adviser Joint Managing Underwriter Joint Underwriter Rights Issue Joint Managing Underwriter Joint Underwriter Syndicated Term Financing Joint Mandated Lead Arranger Bookrunner Joint Under Writer Initial Public Offering Sole Financial Adviser Sole Bookrunner Joint Underwriter March 2015 March 2015 March 2015 March 2015 March 2015 33

Global Banking (4/4) Maybank Kim Eng s PBT increased 53.7% YoY to RM55.5 million for 1Q FY2015 1Q FY2015 Total Income (RM Mil) Philippines, RM14.5 (5%) Indonesia, RM5.2 (2%) Thailand, RM117.8 (37%) Hong Kong, RM15.9 (5%) Others, RM14.6 (5%) RM318.3mil Malaysia, RM88.4 (28%) Singapore, RM62.0 (19%) Total Income for Maybank Kim Eng increased by 26.7% YoY RM million 251.3 1Q FY2014 318.3 +26.7% YoY 36.1 55.5 1Q FY2015 Total Income PBT +53.7% YoY YTD Mar 2015 Equity Brokerage League Table by Country 1Q FY2015 Fee-based Income for Malaysia Country Rank Market Share Trading Value (USD m) Thailand 1 9.8% 18,323 Malaysia 5 8.4% 5,986 Advisory Fees 8% Agency/ Guarantee Fees 2% Primary Subscriber's Fees 1% Underwriting Fees 2% Arrangers' Fees 18% Indonesia 10 3.2% 2,040 Philippines 6 4.6% 1,324 Singapore N/A* 4.4% 4,662 Hong Kong Tier2 0.3% 3,475 Other Fee Income 9% Brokerage 60% * Ranking is not disclosed in respective exchanges Note: Maybank Kim Eng represents the combined business of Maybank IB and business segments under Maybank Kim Eng Holdings 34

Maybank Singapore (1/3) First quarter PBT of S$93.75 million on lower fee-based income (SGD mil) 1Q FY2015 1Q FY2014 YoY Net Fund Based income 132.00 116.76 13.1% Net Fee Based income 60.61 83.39 (27.3)% Net income 192.62 200.16 (3.8)% Overhead expenses 87.72 81.05 8.2% Operating profit 104.90 119.11 (11.9)% Profit before taxation 93.75 111.45 (15.9)% PBT was lower by 15.9% YoY or S$17.7 million to S$93.75 million for 1Q FY2015 Fund-based income increased by 13.1% YoY on the back of expanded loan base Fee-based income declined 27.3% YoY, mainly from slower growth in treasury income and bancassurance fee. This offset the growth seen in wealth management, trade, cards and credit related fees Overhead expenses increased by 8.2% YoY mainly arising from higher personnel cost from expanded headcount 36

Maybank Singapore (2/3) Loans lower by 1.1% YTD, but strong YoY growth of 11.6% spurred by consumer lending As at 31 March 2015, total loans were lower by 1.1% (ann.), due to slower corporate lending. However, consumer lending continued to show strong growth at 18.3% ann. Meanwhile, total loans expanded 11.6% YoY to reach S$34.9 billion as at March 2015. Consumer loans grew 19.4% to reach S$12.8 billion as of March 2015, on the back of growth in housing and other personal loans. However, car loans continued to decline due to the tighter regulatory financing limits. Business loans grew 7.5% YoY to S$22.2 billion as of March 2015. Diversified Loan Portfolio SGD billion 31.3 35.0 34.9 2.0 2.6 2.8 2.4 2.1 2.0 6.3 7.5 8.0 4.3 5.6 5.7 3.9 4.4 4.1 4.8 4.2 4.2 7.6 8.5 8.2 Mar 14 Dec 14 Mar 15 +11.6% YoY -1.1% ann. Consumer 37% Corporate 63% Other (Consumer) Car Loan Housing Loan Others (Corporate) Non-Bank financial Inst General Commerce Building & Const Asset Quality remains stable YoY 0.43 0.30 0.31 0.28 0.26 0.24 0.28 0.24 0.23 0.22 0.20 0.20 0.31 0.25 Maybank Singapore loans up 11.6% YoY, outpacing industry growth of 6.7% 16.4% 19.6% 17.3% 13.6% 13.8% 13.3% 18.8% 16.5% 21.2% 14.0% 13.4% 11.6% 9.2% 6.7% Sep-13 Dec-13 Mar-14 Jun-14 Sep-14 Dec-14 Mar-15 GIL Ratio NIL Ratio Sep 13 Dec 13 Mar 14 Jun 14 Sep 14 Dec 14 Mar 15 Maybank Singapore Growth Industry Growth 37

Maybank Singapore (3/3) Stable deposit base QoQ, and outpaced industry growth on a YoY basis Consumer deposits account for 58% of deposit base CASA growth of 11.4% YoY +17.1% YoY SGD billion 33.5 39.6 39.2 15.4 17.6 17.9 4.7 5.1 4.8 9.4 12.1 11.6 3.9 4.8 4.8-3.9% ann. Consumer 58% Corporate 42% Consumer - Time Deposits Consumer CASA Business Time Deposits Business CASA 24.8 29.7 29.6 4.3 5.3 5.3 4.3 4.5 4.3 Mar-14 Dec-15 Mar-15 CASA Growth 11.4% YoY CASA Ratio: 25% Time Deposits Demand Deposits Savings Mar-14 Dec-14 Mar-15 Maybank Singapore deposit growth of 17.1% YoY, ahead of industry growth of 8.0% 16.3% 10.0% 8.7% 13.7% 6.8% 5.0% 4.1% 3.3% 7.3% 4.4% 16.5% 17.1% 7.0% Sep 13 Dec 13 Mar 14 Jun 14 Sep 14 Dec 14 Mar 15 Maybank Singapore Growth Industry Growth 8.0% As at 31 March 2015, deposits were lower by 3.9% (ann.), mainly due to lower time deposits in the business portfolio. However, consumer time deposits grew 6.7% (ann.) as at 31 March 2015. Meanwhile, total deposits grew 17.1% YoY to reach S$39.2 billion as at March 2015. Growth was driven by business deposits, which rose 23.0% YoY to reach S$16.4 billion as at March 2015. Meanwhile, consumer deposits gained 13.1% to reach S$22.8 billion. 38

Bank Internasional Indonesia (1/4) Net profit rose 33% YoY on the back of higher net fee based income and net fund based income (IDR bil) 1Q FY2015 1Q FY2014 YoY 4Q FY2014 QoQ Net Fund Based income 1,586 1,447 10% 1,603 (1)% Net Fee Based income 621 493 26% 420 48% Net income 2,207 1,940 14% 2,022 9% Overhead expenses (1,453) (1,352) 7% (1,199) 21% Personnel (630) (499) 26% (523) 20% General & Administrative (823) (853) (4)% (676) 22% Operating profit 755 588 28% 823 (8)% Provisions Expenses (426) (335) 27% (326) 31% Non Operating Income/ Expenses 24 30 (18)% (16) (253)% Profit Before Tax and Non-Controlling Interest 353 282 25% 482 27% Net Profit 256 191 33% 359 (29)% EPS - Basic (IDR) 3.77 3.14 20% N.A N.A 40 Note: The numbers presented for 1Q FY 2015 and 1Q FY 2014 after Implementation of SFAS 24 (Revised 2013) Employee Benefit. Classification based on Bank Indonesia published report

Bank Internasional Indonesia (2/4) Loans and deposit growth (ann.) increased by 5.2% and 10.0% respectively Loans composition (Consolidated) IDR Trillion 102.0 101.3 106.3 107.6 6.2% YoY 5.2% ann. Net Interest Margin (Consolidated) 35.8 36.7 41.5 42.1 35.3 36.1 40.8 41.6 4.94% 4.73% 4.76% 4.85% 30.9 28.5 24.0 23.9 Dec 13 Mar 14 Dec 14 Mar 15 Global Banking Business Banking Retail Banking Dec 13 Mar 14 Dec 14 Mar 15 Asset Quality (Consolidated)* 3.61% 3.42% 3.04% 3.34% 3.59% Deposits (Consolidated) IDR Trillion 107.3 104.0 102.5 105.0 1.0% YoY 10.0% ann. 2.34% 2.77% 2.62% 2.44% 2.56% 64.9 64.6 62.7 64.0 24.7 24.0 23.5 23.7 41 Mar 14 Jun 14 Sep 14 Dec 14 Mar 15 Impaired Loan Gross Impaired Loan Net * The bank remains cautious over loan quality due to an economic slowdown and as business volumes/ exports remain lower and the Rupiah remains weak. Commodities and mining sectors continue to remain depressed. 17.7 15.4 16.3 17.3 Dec 13 Mar 14 Dec 14 Mar 15 Current Account Saving Account Time Deposit

Bank Internasional Indonesia (3/4) BII Finance s PBT increased 39.7% YoY Revenue and Profit Before Tax IDR billion Consumer Financing IDR billion 220 27.5% YoY 173 39.7% YoY 3,794 74 103 2,975 Mar-14 Revenue Mar-15 Profit Before Tax Mar-14 Mar-15 Asset Quality Unit Financing (unit) 3.7% YoY 11,485 11,908 2.5% YoY 11,786 12,085 0.12% 0.14% 0.10% 0.12% 0.23% 0.19% 0.18% 0.15% 0.37% 0.30% 301 41.2% YoY 177 Mar-14 Jun-14 Sept-14 Dec-14 Mar-15 NPL Gross NPL Net New Used Total Mar-14 Mar-15 42

Bank Internasional Indonesia (4/4) WOM Finance revenue increased 17.5%; asset quality remained healthy Revenue and Profit Before Tax IDR billion 416 Consumer Financing IDR billion 20.7% YoY 354 4,443 3,681 12 1 Mar-14 Revenue Mar-15 Profit Before Tax Mar-14 Mar-15 Asset Quality Unit Financing ( 000 unit) 14.5% YoY 142 3.05% 3.08% 3.03% 2.75% 2.81% 124 90 90 53.1% YoY 52 1.30% 1.47% 1.24% 1.07% 1.09% 34 Mar-14 Jun-14 Sept-14 Dec-14 Mar-15 NPL Gross NPL Net New Used Total Mar-14 Mar-15 43

Islamic Banking (1/2) Higher Group Islamic Banking PBT of 8.5% for 1Q FY2015 on increased fund- and fee-based income Group Islamic Banking Financial Performance Maybank Islamic: Total Gross Financing grew by 30% (annualised) to RM116.8 billion 25% 30% 14% Dec-14 Mar-15 RM million 1Q FY2015 1Q FY2014 YoY Total Income 932.7 808.4 15.4% Profit Before Tax 353.4 325.6 8.5% 27.61 29.34 24.48 26.31 25.93 26.82 16% 10.70 42% 11.81 76% 18.01 15.13 4.70 4.51 Note: Group Islamic Banking includes Maybank Islamic and the Group s other Islamic operations AITAB Mortgage Term Financing Others (CFS) Term Financing Others (GB) CFS: 21 % GB: 61% Maybank Islamic: Improving key ratios Maybank Islamic contribution to Maybank Malaysia Financing as at March 2015 Mar-15 Mar-14 Year Contribution Gross Impaired Financing ratio 0.76% 0.67% Cost to Income ratio* 39.7% 37.8% Total Capital ratio 14.65% 13.48% Maybank Islamic, 46.3% Maybank Conventional Malaysia, 53.7% Dec 2013 38.9% Dec 2014 43.8% Mar 2015 46.3% *Cost for Mar-14 is normalised with adjustment on shared service costs 45

Islamic Banking (2/2) Maybank Islamic Malaysia s financing market share strengthened to 33.0% from 30.7% a year ago Maybank Islamic Market Share (Malaysia) Market Share by Product 35.0% 30.0% 30.6% 30.7% 31.1% 31.6% 32.7% 33.0% Mar-15 Mar-14 Automobile financing 40.7% 35.8% 25.0% 20.0% 15.0% 23.8% 24.1% 25.1% 24.7% 24.9% 24.4% Dec-13 Mar-14 Jun-14 Sep-14 Dec-14 Mar-15 Home Financing 26.1% 23.5% Term financing 30.2% 29.9% CASA Deposits 32.4% 29.7% Financing Deposit Maybank ranks No.1 by Asset Market Share in Malaysia Sukuk League Table Ranking for 1Q 2015 Malaysia Asset Market Share Dec-14 Rank Maybank Islamic 33% 1 CIMB Islamic 10% 2 Bank Islam 9% 3 Global Sukuk League Table Ranking Market Share (%) Amount (USD million) Issues #5 Maybank 6.1 553.23 11 MYR Sukuk League Table Ranking Market Share (%) Amount (RM million) Issues #4 Maybank 9.7 700 4 46 Source: BNM monthly statistical bulletin Dec-14 Source: Bloomberg

Insurance and Takaful Gross premiums for combined life/family and general increased 7.3% YoY for 1Q FY2015 Gross Premium Single Premium Regular Premium Credit Premium Group Premium Total Life/Family Fire Motor MAT Misc Total General Total Life/Family & General -61.1% -16.9% +3.1% -16.1% +9.3% +8.5% +17.2% +19.6% +4.1% 1Q FY15 1Q FY14 0 200 400 600 800 1,000 1,200 1,400 1,600 (RM Million) Profit Before Tax (RM million) +9.5% 64.7% YoY +7.3% Life / Family (New Business) Market Share AIA Ins. & Tak. GE Ins. & Tak. Prudential Ins. & Tak. Etiqa Ins. & Tak. General Insurance and Takaful Market Share Etiqa Ins. & Tak. Allianz Insurance AmGeneral Insurance * Market Share is for period Jan 14 Dec 14 (Source: LIAM / ISM Statistics) Total Assets (RM billion) 10.8% 8.6% 14.7% 14.5% 11.1% 17.8% 0.0% 5.0% 10.0% 15.0% 20.0% 12.8% 0.0% 5.0% 10.0% 15.0% No. 4 in Life/Family (New Business) No. 1 in General Insurance and Takaful +4.8% YoY +0.3% YTD 141.22 26.36 27.54 27.62 49.89 Mar 2014 Mar 2015 PBT includes estimated transfer of RM8.79 million from Family Fund in March 2015. Mar 2014 Dec 2014 Mar 2015 47

Maybank Philippines Revenue growth of 20.5% in line with expansion activities in market Key Highlights Revenue and PBT Revenue improved 20.5% YoY due to higher net interest income and non-interest income. Gross loans grew 8.1% (ann.) driven by an increase in retail loans, especially auto loans. Customer deposits increased slightly by 0.8% (ann.) driven by higher CASA. However, PBT was lower by 4.2% YoY for 1Q FY2015 due to higher overheads for expansion and provisioning. Key Ratios Mar 2015 Mar 2014 Return on assets 0.98% 1.10% Return on equity 3.27% 5.82% Cost-to-income ratio 76.69% 74.20% Loans-to-deposit ratio 94.43% 82.99% Gross Impaired Loans ratio 3.77% 3.52% No. of branches 79 79 PESO Mil PESO Mil +20.5% YoY 1,127.4 935.9-4.2% YoY 200.1 191.7 1Q FY2014 1Q FY2015 Gross Loans and Deposits +0.8%* 52,483.0 52,583.3 +8.1%* 49,652.1 48,670.6 As at 31 Dec 14 As at 31 Mar 15 Revenue PBT Gross Loans Customer Deposits 48 *Annualised growth

An Binh Bank Revenue grew 32.7% YoY attributed to higher fee income Key Highlights Revenue grew 32.7% primarily due to higher fee income. However, higher provisioning resulted in PBT declining 16.4% YoY for 1Q FY2015. Gross loans was lower by 34.8% (ann.) due to lower corporate and FI lending. Customer deposits decreased 44.9% (ann.), mainly led by a decline in corporate and FI deposits while retail deposits were marginally lower by 1.2%. Gross NPL ratio improved YoY to 3.10% from 6.13% in 1Q FY14. Key Ratios Mar 2015 Mar 2014 Return on assets 0.60% 0.80% Return on equity 6.00% 6.80% Cost-to-income ratio 56.87% 72.70% Loans-to-deposit ratio 96.55% 89.31% Gross NPL Ratio 3.10% 6.13% Revenue and PBT VND Bil VND Bil +32.7% YoY 493.2 371.7-16.4% YoY 103.4 86.4 1Q FY2014 1Q FY2015 Gross Loans and Deposits -44.9%* 45,403.7-34.8%* 42,633.1 40,310.0 38,920.1 As at 31 Dec 14 As at 31 Mar 15 Revenue PBT Gross Loans Customer Deposits 50 *Annualised growth

MCB Bank Improved PBT on the back of higher income and lower provisions Key Highlights PBT increased by 39.5% YoY mainly due to higher noninterest income and lower provisioning YoY. Gross loans contracted slightly by 0.5% (ann.) due to lower Islamic financing advances and trade bills. Customer deposits rose 23.0% (ann.), contributed by an increase in CASA. Gross NPL ratio improved by 153 bps due to a decrease in NPL balance. Key Ratios Mar 2015 Mar 2014 Return on assets 3.30% 2.74% Return on equity 28.63% 22.33% Cost-to-income ratio 33.11% 39.42% Loans-to-deposit ratio 45.10% 44.17% Revenue and PBT PKR Bil PKR Bil +33.3% YoY 17.2 +39.5% YoY 12.9 12.0 8.6 1Q FY2014 1Q FY2015 Gross Loans and Deposits +23.0%* 676.0 714.8-0.5%* 322.8 322.4 Revenue PBT Gross Loans Customer Deposits Gross NPL Ratio 6.73% 8.26% As at 31 Dec 14 As at 31 Mar 15 51 *Annualised growth

Humanising Financial Services 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 Performance Reporting & Investor Relations Contact: (6)03-2074 8017 Email: naritanaziree.a@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 behalfofthe 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. 52