Invest Malaysia Shangri-La Hotel May

Capitalising i on the ASEAN Marketplace Invest Malaysia 2012 Shangri-La Hotel 29-30 May 2012 0 www.maybank.com

Investor Presentation Transformation Journey Growth Drivers Expansion in ASEAN & Beyond Economic o c Update & Prospects Key Takeaways 1

Maybank s Transformation Journey Continues Start Up, Create Momentum 2008-2009 CEO-driven agenda Inception of LEAP30 programme Build up project execution capabilities Centralised transformation office as key driver of change Rapidly execute to deploy enhanced capabilities to uplift PBT. Converge on Shared Aspirations and Accelerate Performance 2010-2011 Introduction of the House of Maybank Business Unit-driven agenda, with individual accountability Transformation agenda framed and owned organisation-wide Shared responsibility and individual accountability. Transformation to the next level: Regionalisation 2012-2015 Execute High Impact initiatives that materially uplifts PBT and reduces Unit Costs Embed Transformation throughout the region High Performance culture developed Build sustainable platforms (IT and processes) 2

A six-fold improvement in PATAMI since FY2009 Analysts' 'Consensus: Net Profit (RM mil.) FY2012 5,061 Based on 1Q 2012 PATAMI of RM1.35 billion, Maybank was 6.5% ahead of consensus RM 6 billion Launched Acquired Rights Issue House of Maybank Kim Eng fit After Tax and Minority Interes st (PATAMI) (R RM million) Prof 5,000 4,500 4,000 3,500 3,000 2,500 2,000 1,500 1,000 500 0 RM5.70 2,665 # 692 FY2009 ended Jun 2009 3.1% RM7.85 3,818 14.5% FY2010 ended Jun 2010 RM8.78 4,450 15.0% FY2011 ended Jun 2011 RM8.45 20% 18% 16% 16.2% 14% 2,583 6-month FP2011 ended Dec 2011 12% 10% 8% 6% 4% 2% 0% E) Return on Equity (RO PATAMI ROE Ave. Share Price Lower net profit due to impairment of investment in BII and MCB # PATAMI before impairment of investment in BII and MCB 3

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). Jun 09 Sep 09 Dec 09 Mar 10 Jun 10 Sep 10 Dec 10 Mar 11 Jun 11 Sep 11 Dec 11 Mar 12 Source: Bloomberg 4

We maintain our leadership position domestically Leadership Position No. 1 bank in Malaysia - both conventional 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 Largest banking network in Malaysia 392 branches, 2,828 ATMs with more than 12 million customers No.1 Internet banking with 55% market share Strong Financial Position Emerging Regional Leader Presence in 9 ASEAN countries 5 International Financial Centres Over 2,200 branches & offices in 19 countries, serving more than 22 million customers Leading domestic market position Diversified across all financial products and services No. 1 in overall market share for Loans and Deposits Strong shareholders and credit ratings Total Assets* : RM 451.3 bil. (USD 142.5 bil) 56% owned by PNB and its funds, and Total Equity* : RM 34.7 bil. (USD 11.0 bil) 12% by EPF Foreign shareholding: 14.9% FP11 Net Profit** : RM 2.58 bil. (USD 0.813 bil) Strong credit ratings, on par with sovereign Market Cap. *** : RM 67.2 bil. (USD 21.4 bil) S&P : A- Moody s: A3 Fitch : A- 5 *As at 31 Dec 2011 **6-Month Financial Period ended 31 Dec 2011 ***As at 28 May 2012 inclusive of new DRP shares

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 39 54 107 152 154 249 300 451 Gross Loans Deposits 39 24 31 31 75 75 98 116 119 87 200 222 178 192 314 283 Alliance Affin AMMB RHB Cap HL Bank Public Bank CIMB Maybank Alliance Affin AMMB RHB Cap HL Bank Public Bank CIMB Maybank PATAMI (RM bil): 4 Quarters to Dec 2011 Market Capitalisation (RM bil): 28 May 2012 3.5 4.0 4.9 48.3 54.0 67.2 * 0.5 0.5 1.4 1.5 1.5 4.6 6.0 16.3 18.7 22.9 Alliance Affin L Bank H AMMB RH HB Cap c Bank Publi CIMB Ma aybank Affin Alliance RH HB Cap AMMB * inclusive of new DRP shares L Bank H c Bank Publi CIMB Ma aybank 6

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 DBS OCBC UOB MAYBANK CIMB Public Bank Bangkok Bank Krung Thai Bank Siam Commercial Bank Mandiri 95 79 67 62 60 57 143 183 214 263 DBS UOB OCBC MAYBANK CIMB Public Bank Bangkok Bank Bank Mandiri Krung Thai Bank Kasikorn Bank 61 70 56 63 47 50 34 43 45 41 39 39 152 169 111 131 104 119 89 99 Total Loans Total Deposits Bank Rakyat Indonesia PATAMI (USD mil): 4 Quarters to Dec 2011 Market Capitalisation (USD bil): 28 May 2012 MAYBANK DBS 2,416 DBS 25.2 UOB 1,852 OCBC 22.8 OCBC Siam Commercial Bank 7 Bank Mandiri* CIMB Bank Central Asia* 1,318 1,190 1,146 1,368 1,720 1,595 1,840 UOB Maybank Bank Central Asia Bank Mandiri CIMB Public Bank Bank Rakyat Indonesia Public Bank 1,139 Siam Commercial Bank 14.7 * inclusive of new DRP shares 15.3 15.3 17.6 17.2 19.1 21.4 21.4 *

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 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 (+RM294.4m, 4 +46.4%) 4%) and International ti (+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 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 billion 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 7.0% is below target of 15.2% 8

Investor Presentation Transformation Journey Growth Drivers Expansion in ASEAN & Beyond Economic o c Update & Prospects Key Takeaways 9

We are seeing growth across all business segments Revenue (RM million) +27.7% 4,051 3,172 +1.6% 1,589 1,614 Global Wholesale Banking (GWB) +61.7% +40.9% +23.9% +331.1% +29.1% 1,308 1,013 330 465 373 462 78 335 3Q FY11 ended 31 Mar 2011 1Q FY12 ended 31 Mar 2012 167 +15.9% 194 Profit before tax (R RM million) Total Community Corporate Banking Global Markets Investment Banking International Banking Insurance, Takaful & Financial Asset Management (Inc. Kim Eng) Services +20.2% 1,895 1,576 911-19.7% 731 Global Wholesale Banking (GWB) +46.4% 3Q FY11 ended 31 Mar 2011 1Q FY12 ended 31 Mar 2012 +315.3 +57.6% +16.7% % +41.2% +22.4% 404 257 350 408 463 328 28 116 81 100 Total Community Corporate Banking Global Markets Investment Banking International Banking Insurance, Takaful & Financial Asset Management Services (Inc. Kim Eng) 10 Note: Head Office & Others: Revenue and PBT : RM378.4m (3Q FY11) vs. RM327.7m (1Q FY12)

Singapore continues to grow profitably Revenue and PBT rose 8% and 7% YoY respectively Diversified Loan Portfolio -3.8% annualised 166.7 180.3 89.3 95.5 20.1 0.8 3.3 24.6 24.3 12 1.2 13 1.3 3.3 3.3 5.3 5.3 Consum mer 40% Others (Consumer) Car Loans Housing Loans 3Q FY11 Mar 11 1Q FY12 Mar 12 Net Income 3Q FY11 Mar 11 PBT 1Q FY12 Mar 12 lion SGD bill 4.6 2.4 2.6 ate % Others 3.5 1.8 (Corporate) 3.8 3.2 Non-Bank Financial Inst. Corpora 60% General Commerce Mar 11 Dec 11 Mar 12 Build. & Const. Asset Quality remains healthy 0.75% 0.63% 0.58% 0.65% 0.62% 0.58% 0.53% 0.46% 0.47% 0.25% 0.23% 0.07% 0.09% 0.07% 0.25% 0.23% 0.26% 0.33% YoY loans growth outpaced industry s s 28.60% 25.40% 24.20% 11.40% 14.80% 4.97% 8.60% 21.40% 20.10% Mar-10 Jun-10 Sep-10 Dec-10 Mar-11 Jun-11 Sep-11 Dec-11 Mar-12-1.38% Jun-09 Jun-10 Jun-11 Dec-11 Feb-12 Gross NPL ratio Net NPL ratio Maybank Singapore Growth Industry Growth 11

Indonesia continues to deliver double-digit growth Revenue and PBT (Rp billion) 1,561 +15.1% 1,796 Net Interest Margin 5.67% 216 380 +75.9% Revenue PBT 5.43% 5.28% 5.22% 5.51% Mar-11 Mar-12 Mar-11 Jun-11 Sep-11 Dec-11 Mar-12 Loan composition (Rp trillion) 67.2 69.8 62.0 59.5 0.4 56.7 0.4 0.4 17.3 18.2 0.4 0.4 13.3 14.1 14.8 25.5 19.9 21.3 22.2 24.1 18.8 19.1 20.1 21.0 21.6 4.2 4.6 4.5 4.4 4.2 Mar-11 Jun-11 Sep-11 Dec-11 Mar-12 Asset Quality 4.95% 4.15% 4.03% 3.54% 2.27% 2.88% 2.75% 2.08% 1.25% 1.11% 11% Mar 11 Jun 11 Sep 11 Dec 11 Mar 12 Net Impaired Loans ratio Gross Impaired Loans ratio Subsidiaries Consumer SMEC Corporate Syariah 12

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 Value Total Value (RM bil) Deals / Issues Market Share M&A1 1 6.2 9 14.3% Equity & Rights Offerings1i Debt Markets Malaysia Domestic Bonds1 Debt Markets Malaysia Ringgit Islamic Bonds1 Equity Brokerage2 Source: 1 Bloomberg 2 Bursa Malaysia 1 0.5 3 30.7% 2 9.6 62 27.1% 2 4.5 43 22.2% 2 16.5-7.1% PHP28.5 billion Term Loan Facility South Luzon Tollway Corp Completed March 2012 IDR 8 trillion Bond Programme PT Astra Sedaya Finance Completed Jan 2012 RM 720 million Bridging Loan RM6.5 billion Project Financing San Miguel Corp Tanjung Bin Energy Completed March 2012 Completed Feb 2012 RM 30.6 billion RM 2.05 billion Sukuk Programme Syndicated Term Loan Sapura Kencana Completed Jan 2012 Completed May 2012 RM 11.9 billion SGD 750 million RM 1.8 billion Merger & Listing Term Loan Working Capital Sapura Kencana Khazanah Nasional San Miguel Corp Completed May 2012 Completed April 2012 Completed April 2012 13

Group Islamic Banking business sustained profit growth Group Islamic Banking Income and PBT* RM million 1Q FY12 3Q FY11 YoY Growth Fund based income 375.6 329.99 13.9% Fee based income 159.2 57.8 175.4% Total income 534.8 387.7 37.9% Allowance for losses on financing 40.1 (23.8) -268.5% Profit before tax and zakat 352.9 201.9 74.8% Maybank Islamic: Improving key ratios llion RM bi Maybank Islamic: Total Gross Financing grew 5% annualised to RM53.0 billion 15.4 4% 16.6 16.4 +36% 3% 31% +29% +4% 81 8.1 6.9 Mar 12 Dec 11 Mar 11 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 ** Ratio Financing Net Impaired Financing 0.92% 1.03% 1.58% Ratio 8.8 9.1 11.911.8 Term Financing 3.1 2.8 2.8 3.0 Others (CFS) Mar 11 Dec 11 Mar 12 4.7 5.0 Term Financing 6.4 80 8.0 Others Consumer: +2% Business: +13% 8.1 14 *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 Combined Gross Premium grew 38% YoY Life/Family (New Business) Market Share Combined Gross Premium +38.1% Etiqa Ins. & Tak. 16.4% Group Premium Credit Premium -2.8% +4.1% Jan-Mar 2012 Great Eastern Ins. & Tak. Prudential Ins. & Tak. 14.4% 14.7% No. 1 in Life/Family (New Business) Regular Premium +3.4% Jan-Mar 2011 13.0% 14.0% 15.0% 16.0% 17.0% Single Premium +248.6% Source: ISM Statistics (Jan11 Dec11). Total Life/Family +17.5% Misc -7.5% MAT +399.4% General Market Share Etiqa Ins. & Tak. 12.7% Motor +20.0% Allianz Insurance 9.3% No. 1 in General Fire -5.4% Total General + 68.1% RM Million 0 500 1000 1500 HL MSIG Ins. & Tak. 8.5% No. 1 in General 00% 0.0% 50% 5.0% 10.0% 0% 15.0% Source: LIAM/ISM Statistics (Jan11 Dec11) 15

Our balance sheet strength & healthy LDR supports our organic growth RM billion Mar 12 Dec 11 Annualised Growth Mar 11 YoY 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 10 1.0 14 1.4-120.9% 05 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 320.22 313.7 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% 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% Loan-to-deposit Ratio 87.2% 87.5% 89.8% 8% 16

A robust capital management plan is also in place 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 Group 14.16% 14.12% 15.20% 14.71% 16.29% 15.35% 11.80% 11.60% 11.68% 10.68% 11.57% 10.97% 8.73% 8.55% 8.77% 8.22% 9.21% 8.73% 31 Dec 10 31 Mar 11 30 Jun 11 30 Sep 11 31 Dec 11 31 Mar 12 Core Equity Ratio* Core Capital Ratio Risk Weighted Capital Ratio Bank 13.62% 13.19% 13.12% (3) 13.38% 15.54% 15.54% 15.57% 14.46% 14.66% 13.15% 13.04% 13.12% # 14.26% 13.19% 14.69% 31 Dec 10 31 Mar 11 30 Jun 11 30 Sep 11 31 Dec 11 31 Dec 11 Core Equity Ratio* Core Capital Ratio & Risk Weighted Capital Ratio 31 Dec Mar 1112 Note: ^ Based on latest indicative acceptance rate on the electable portion of the 4 th 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 17

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 Gross Dividend iid d( (sen)) and Payout Ratio (%) 76.5% 74.9% 75.0% Dividend Payout Ratio 60.0% 61.0% 18 44 [ 88.6%* ] Final 32 Interim [ 86.1%* ] 26 28 [ 91.1%* ] 8 11 36 [ 88.5%* ] FY08** FY09 FY10 FY11 FP11 * 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 18

Investor Presentation Transformation Journey Growth Drivers Expansion in ASEAN & Beyond Economic o c Update & Prospects Key Takeaways 19

Our Regional Aspirations By 2015 Our Vision To be a Regional Financial Services Leader Our Mission Humanising Financial Services Across Asia Strategic t Objectives 1. Undisputed d No. 1 Retail Financial i Services provider in Malaysia by 2015 2. Leading ASEAN wholesale bank eventually expanding to Middle East, China & India 3. Undisputed d Insurance & Takaful Leader in Malaysia & Emerging Regional Player 4. Truly regional organisation, with ~40% of pre-tax profit derived from international operations by 2015 5. Global leader in Islamic Finance 20

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 Comprises five core elements: 1. free flow of goods 2. free flow of services 3. free flow of investment 4. freer flow of capital 5. free flow of skilled labour. ASEAN Demographics: 600 million people p and straddling the 3.3 billion in China and India 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 London: 1 branch Maybank KE: 1 branch Uzbekistan** China: 1 branch 1 rep office Hong Kong: 1 branch MaybankKE: 2 branch Myanmar 1 rep office Thailand Maybank KE: 45 branches Philippines: 52 branches Maybank KE: 3 branches New York: 1 branch Maybank KE: 2 branch Bahrain: 1 branch India Maybank KE: 1 branch ASEAN Cambodia: 11 branches Malaysia: 392 branches Maybank KE: 6 branches An Binh Bank: 128 branches Vietnam: 2 branches MaybankKE: 11 branches Brunei: 3 branches Saudi Arabia* Pakistan MCB: 1,169 branches Papua New Guinea: 2 branches Singapore: 22 branches Maybank KE: 4 branches Indonesia BII: 368 branches Maybank KE: 6 branches * 1 office via Anfaal Capital ** 1 office via 35% owned Uzbek Leasing International 22

International Revenue & Loans contribution reached one-third of Group. Target to increase PBT contribution to 40% 1Q FY2012 (Jan 12 Mar 12) Revenue Profit Before Tax Gross loans International: 6.2% International: 37% 27% 15.5% RM4.05b 62.6% 15.2% * Including Islamic loans sold to Cagamas and excludes unwinding of interest 5.0% 6.5% International: 36% 6.8% 8.3% RM1.89b 73.0% 21.3% RM287.1b* 15.7% Mar 2012 63.9% 3Q FY2011 (Jan 11 Mar 11) 16.5% Malaysia Singapore Indonesia Others 12% 16% 68% 4% 3.6% 4.1% 5.0% 13.7% 5.5% 82% 8.2% 11.7% 19.9% RM3.17b RM1.58b RM242.8b* Mar 2011 68.2% 66.4% 77.2% International: International: International: 32% 23% 34% 23

Regional Initiatives to Drive Growth Across Markets Regionalization Initiatives In Flight Credit Cards Wealth Management Payments - MME Virtual Banking Auto Finance Maybank KE Transaction Banking Global Markets Develop regional system capabilities, loyalty & marketing programmes Regional wealth management offering in three home markets Sharing of business payment solution & best practices in regional offices Consolidation of website and unified virtual banking platform Floor stocking / block discounting programmes for other countries Gain business-wide efficiencies, and build capabilities throughout network Trade Connex platform, cash management regionalisation & new product launches Regional sales activities in SG/HK & system upgrades in overseas units 24

Investor Presentation Transformation Journey Growth Drivers Expansion in ASEAN & Beyond Economic o c Update & Prospects Key Takeaways 25

Malaysia: Sustained Economic Growth for 2012 Growth to be moderate at 4.0% 40% 50%in 5.0% 2012 (2011: 5.1%) 51%) 160 150 140 130 120 110 100 90 Quarterly GDP and annual growth rate Q411 GDP: +5.2% YoY 12 9 6 3 0 (3) (6) (9) Inflation expected to moderate to 2.7% in 2012 (2011: 3.2%) 14 12 10 8 6 4 2 0 Transport (RHS) Food & Non-Alcoholic Beverages Utilities, Housing & Other Fuels CPI and components (% YoY) Mar 12 CPI: +2.1% YoY 25 20 15 10 5 0 (5) (10) (15) (20) (25) 3Q06 4Q06 1Q07 2Q07 3Q07 4Q07 1Q08 2Q08 3Q08 4Q08 1Q09 2Q09 3Q09 4Q09 1Q10 2Q10 3Q10 4Q10 1Q11 2Q11 3Q11 4Q11 Feb-07 May-07 Aug-07 Nov-07 Feb-08 May-08 Aug-08 Nov-08 Feb-09 May-09 Aug-09 Nov-09 Feb-10 May-10 Aug-10 Nov-10 Feb-11 May-11 Aug-11 Nov-11 Feb-12 RMb (LHS) % YoY (RHS) % QoQ (RHS) OPR Ringgit/USD: RM3.16 by end 2012 OPR expected to remain unchanged at 3% until end of 2012 2.90 2.95 3.00 3.05 Ringgit Malaysia per USD 4.5 OPR and SRR 40 4.0 SRR 3.10 2.0 3.5 3.0 2.5 OPR 25bp hikes in OPR in Mar, May, July 10 and May 11 3.15 3.20 3.25 RM3.12 per USD as at 22 nd May 2012 1.5 1.0 0.5 Jan-11 Feb-11 Mar-11 Apr-11 May-11 Jun-11 Jul-11 Aug-11 Sep-11 Oct-11 Nov-11 Dec-11 Jan-12 Feb-12 Mar-12 Apr-12 May-12 Jan-07 Apr-07 Jul-07 Oct-07 Jan-08 Apr-08 Jul-08 Oct-08 Jan-09 Apr-09 Jul-09 Oct-09 Jan-10 Apr-10 Jul-10 Oct-10 Jan-11 Apr-11 Jul-11 Oct-11 Jan-12 SRR OPR 26

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%) 1,050 1,000 950 Total Loans Total Loans YoY Growth Household YoY Growth Business YoY Growth 18% 16% 1250 1200 1150 1100 Total Deposits Total Deposits YoY Growth 25% 20% RM billion RM billion 900 850 800 750 700 650 600 550 14% 12% 10% 8% 6% 4% 2% 1050 1000 950 900 850 800 750 15% 10% 5% 0% Jan-07 Apr-07 Jul-07 Oct-07 Jan-08 Apr-08 Jul-08 Oct-08 Jan-09 Apr-09 Jul-09 Oct-09 Jan-10 Apr-10 Jul-10 Oct-10 Jan-11 pr-12 Ap Ap pr-11 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-11 Apr-12 16 15 14 13 12 11 Capital Adequacy remains strong at 14.7% for 1Q12 1Q12 (Maybank Domestic: 15.35%) 14.7% Gross NPL RM26.0b, Net NPL ratio: 1.74% 35 Gross NPL - 3 Months (LHS) Net NPL (RHS) 25% 2.5% % RM billion 10 9 8 7 Core Capital Ratio Risk Weighted Capital Ratio 13.0% 30 25 20 15 10 5 0 2.3% 2.0% 1.8% 1.5% Jan-08 Apr-08 Jul-08 Oct-08 Jan-09 Apr-09 Jul-09 Oct-09 Jan-10 Apr-10 Jul-10 Oct-10 Jan-11 Apr-11 Jul-11 Oct-11 Jan-12 Apr-12 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 1 1 1 1 1 1 1 1 1 1 1 1 2 2 2 27

Singapore: Growth has stabilised but inflation remains a concern Singapore s economy remains on track to expand by 1-3% in 2012, but Real GDP growth for 2012 expected to be 1% 3% renewed problems in the Eurozone and a persistent slowdown in (2011: 4.9% ) China s manufacturing sector could hurt prospects of the country trade-related industries in the near term. 80 20 75 15 Inflation rate forecast for 2012 has been raised from 2.5% - 3.5% to 3.5% - 4.5%, with the tightening of COE supply expected to push up the 70 10 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% in 2012 as companies hire more cautiously. 65 60 55 50 5 0 (5) (10) 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 (vs. 1.7% 2.0% in 2011) as banks factor in higher risk premiums in response to the uncertain economic climate. Loan Growth expected to moderate to 7%-10% in 2012 50% % YoY Growth 40% 30% 20% 10% 0% -10% 1Q 09 2Q 09 3Q 09 4Q 09 1Q 10 2Q 10 3Q 10 4Q 10 1Q 11 2Q 11 3Q 11 4Q 11 Real GDP (S$B) % YoY Y Growth (RHS) 1Q 12 (E) 3-month SIBOR to range between 0.35%-0.45% in 2012 0.70 0.60 0.50 0.40 0.30 Total Loans Business Loans Consumer Loans Apr-09 Ju un-09 Au ug-09 Oct-09 De ec-09 Fe eb-10 Apr-10 Ju un-10 Au ug-10 Oct-10 De ec-10 Fe eb-11 3-month SIBOR Apr-11 Ju un-11 Au ug-11 Oct-11 De ec-11 Fe eb-12 Apr-12 28

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) Despite higher inflation expectation ti 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 most 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. (y-y) 8.00% 7.00% 6.00% 5.00% 4.00% 3.00% Real GDP Growth: Slowing growth 6.31% Q1 Q4 Q3 Q2 Q1 Q4 Q3 Q2 Q1 Q4 Q3 Q2 Q1 2003 2003 2004 2005 2006 2006 2007 2008 2009 2009 2010 2011 2012 Bank s loan growth: Stable as at February 2012 Bank Indonesia maintain key policy rate at 5.75% 30.0% (y-y y %) 14.0 25.0% Loan Deposits 23.6% 20.0% 20.0% 15.0% 12.0 10.0 8.0 Inflation y-y BI rate 10.0% 5.0% 0.0% Jan-10 Jun-10 Nov-10 Apr-11 Sep-11 Feb-12 6.0 4.0 2.0 0.0 Nov-08 Apr-09 Sep-09 Feb-10 Jul-10 Dec-10 May-11 Oct-11 Mar-12 29

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. 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 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. Notwithstanding the global l challenges, the Group expects to maintain i a satisfactory financial i 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 o c Update & Prospects Key Takeaways 31

Management remains committed to focus on fundamentals & the Group s regional development 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 2012 Herminio M. Famatigan Jr. appointed as new CEO of Maybank Philippines Michael Foong appointed Chief Strategy & Transformation Officer, Maybank Group Group Chief Financial Officer Mohamed Rafique Merican Nora Abd Manaf President Director PT Bank Internasional Indonesia (BII) Dato Khairussaleh Ramli 32

Key Takeaways Investment Case 1 Transformation programme spurring strong performance 2 3 Leading financial services group in Malaysia Emerging regional financial services leader 4 Growth prospects p in three home markets 5 High dividend payout and robust capitalisation 6 Strong management team to support growth 33

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 Ronnie Royston Fernandiz Head, Finance & Treasury Operations Contact: (6)03-2074 8963 Email: ronnie@maybank.com.my Narita Naziree Head, Group Strategy Management 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 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. 34