Investor PresentationInvestor Presentation Financial Results: First Quarter FY2013 23 May 2013. 1 Table of Contents ... on track to meet full year target of 15.0% Core operating indicators

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Investor PresentationFinancial Results: First Quarter FY2013 23 May 2013

1

Table of Contents

Financial Performance

Prospects & Outlook

Financial Results: 1st Quarter FY2013 ended 31 March 2013

Appendix: Business Sector Review

5

2

23

1) Community Financial Services

2) Global Banking

3) Maybank Singapore

4) Bank Internasional Indonesia

5) Other segments

6) Affiliates

29

35

42

45

50

53

Overview of 1Q FY2013 Results

2

PATAMI growth of 11.8% YoY,

despite slower quarter

• Group PATAMI of RM1.51 billion, growth of 11.8% YoY and 3.2% QoQ

• PATAMI growth supported by net fund based income growth of 11.6% YoY, with

Islamic fund based income posting 26.5% YoY growth

• Fee based income lower by 2.4% YoY due to the large deal flow in 1Q FY2012

• Controlled overheads growth of 6.2% YoY matched by net income growth of

6.2% YoY

• Impairment losses lower by 56.1% YoY

• Annualised ROE of 14.2%, on track to meet full year target of 15.0%

Core operating indicators remain

healthy

• Group QoQ NIM improved marginally from 2.36% to 2.37% (pre-MFRS 10) and

YoY NIM still stable (NIM 1Q FY2012: 2.38% pre-MFRS 10)

• Pre-MFRS 10 fee income ratio healthy at 38.7% despite high base in 1Q FY2012

• Net credit charge off rate at 11 bps and is within FY2013 guidance

Group registering good traction

on several fronts

• International PBT contribution for 1Q increased to 31.0% from 27.0% in the

corresponding period

• Annualised domestic consumer loans growth of 11.8% ahead of industry

(10.5%) and registering double digit growth (15.8% annualised) in the domestic

SME segment

• Continued commercial loan growth in Singapore despite slower GDP

• BII loan‟s growth in consumer & SME segments remains healthy

• Improved position in domestic equity league tables, leading the market in

terms of total deal value

• Maintained ranking in domestic debt bond market and equity brokerage

Encouraging performance, despite a challenging operating environment (1/3)

3

Annualised loans growth

impacted by slower domestic

corporate lending

• Domestic loans growth impacted by slower corporate activity in 1Q2013

especially during the period leading into the 13th General Elections

• Annualised loans growth at 5.8%, behind target of 12% but expected to pick up

pace in second half of the year

• Domestic consumer loans grew 11.8% annualised driven by reasonable growth

in mortgages and auto loans

• Domestic SME loans grew 15.8% annualised, reflecting improved franchise

strategies targeting retail SMEs

Loans growth in Indonesia &

Singapore eased in selected

segments

• Singapore loans growth 6.9% annualised, with commercial loans growing at

9.0% annualised

• Consumer loans remain subdued due to effect of cooling measures in Singapore

• Slower corporate loans growth in Indonesia caused slight decline in Indonesia

loan book

Funding franchise continues to

register positive developments

• Annualised group deposit growth at 9.5%, on track to meet 12.0% FY2013

target

• Domestic deposits grew at 5.6% supported by strong savings accounts and fixed

deposits growth but offset by decline in current accounts growth

• Deposits in Singapore surged by 30.7% with strong growth across all deposit

categories

• Deposit growth in Indonesia at 15.5% supported by growth in savings accounts

and fixed deposits

• LDR improves to 89.0% from 89.6% end-Dec 2012


4

Assets quality generally stable but

with small pockets of vulnerability

• Gross Impaired Loans (GIL) ratio registered a QoQ uptick but still within

overall FY2013 guidance

• GIL rose from 1.78% as at end Dec 2012 to 1.89% as at end March 2013 but

remains lower than the corresponding period

• Business banking GIL improves QoQ from 9.4% (end Dec 2012) to 9.0%

• Loan loss coverage dips to 99.0%, but expect to strengthen in the coming

months

Basel 3 capital ratios robust, with

CET1 at 10.10%

• Group reports Basel 3 total capital ratio of 14.76% for the Group

• Maybank Group CET 1 ratio at 10.10% and 15.13% for the Bank, on the

assumption of an 85% reinvestment rate


Other group achievements for the first quarter

BII Capital Raising for FY2013 • IDR1.5 trillion rights issue by BII announced in April, and currently underway

Maybank 6th DRP Programme • Estimated acceptance rate of 85% for the 6th DRP programme

13th Strongest Bank • Maybank ranked as the world‟s 13th strongest bank by Bloomberg Markets

55

Performance to gather pace in second quarter

Key Performance Indicators FY2013

Targets

Maybank

Achievement*

Industry

Average*

Headline KPI

Return on Equity* 15.0% 14.2% -

Other targets

Group Loans Growth 12.0% 5.8% -

• Malaysia 12.0% 5.3% 8.4%

• Singapore 11.0% 6.9% 6.2%

• Indonesia 22.0% (1.2)% 2.8%

Group Deposits Growth 12.0% 9.5% -

*annualised

6

Table of Contents



Prospects & Outlook



2) Global Banking


5) Other segments

6) Affiliates

5

2

23

29

35

42

45

50

53



7 7

Impact of newly applied MFRS in 1Q FY2013

• The adoption of the new Malaysian Financial Reporting Standards (“MFRSs”),

amendments to MFRSs, IC Interpretations and Annual Improvements 2009-2011

Cycle as disclosed in Note A1 to the interim financial statements did not have any

material impact on the financial statements of the Group and the Bank, except for

the adoption of following MFRSs and amendments to MFRSs:

– MFRS 101 Presentation of Financial Statements - Presentation of Items of

Other Comprehensive Income (Amendments to MFRS 101);

– MFRS 13 Fair Value Measurement ("MFRS 13") – fair value disclosures for

financial instruments as disclosed in Note A31 to the interim financial

statements; and

– Change in Presentation of "Net income from insurance and takaful business"

in Income Statement of the Group – improvement on the presentation of "Net

income from insurance and takaful business" by reclassifying other income and

other expenses that form part of "Net income from insurance and takaful

business" to the respective line items in the income statements of the Group.

8

1Q 2013 1Q 2012 % YoY

4Q 2012% QoQ

RM mil RM mil RM mil

PATAMI 1,506.2 1,346.9 11.8% 1,459.6 3.2%

PBT 2,126.7 1,894.6 12.3% 1,949.3 9.1%

Net Income 4,469.9 4,209.3 6.2% 4,409.1 1.4%

Net Fund Based Income 2,886.6 2,586.9 11.6% 2,784.3 3.7%

Net Fee Based Income 1,583.3 1,622.4 (2.4)% 1,624.8 (2.6)%

Gross Loans* 321,979 287,097 12.1% 317,345 1.5%

Domestic** 202,415 182,883 10.7% 199,752 1.3%

International 119,564 104,214 14.8% 117,593 1.7%

Gross Deposits 355,440 320,235 11.0% 347,156 2.4%

Domestic 230,439 211,673 8.9% 227,268 1.4%

International 125,001 108,562 15.1% 119,888 4.3%

Improved performance year-on-year for the Group

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

**Takes into account others portion - Dec 12: (0.1) vs Dec 11: 0.1

Note: P&L figures for 1Q FY2012 are restated figures post-MFRS 10 application

99 9

Net income growth of 6.2% YoY, supported by fund based income & stable NIM

(RM‟ mil) 1Q 20131Q 2012

RestatedYoY

4QFY12

Restated QoQ

Net interest income 2,411.3 2,211.3 +9.0% 2,387.9 +1.0%

Net Fund based income (Islamic Banking) 475.3 375.6 +26.5% 396.4 +19.9%

Net Fund Based income 2,886.6 2,586.9 +11.6% 2,784.3 +3.7%

Non-interest income 1,420.3 1,624.7 (12.6)% 1,201.3 +18.2%

Fee based income (Islamic Banking) 144.0 159.2 (9.5)% 130.1 +10.7%

Net income from insurance business 19.0 (161.5) +111.8% 293.4 (93.5)%

Net Fee Based income 1,583.3 1,622.4 (2.4)% 1,624.8 (2.6)%

Net income 4,469.9 4,209.3 +6.2% 4,409.1 +1.4%

Overhead expenses (2,296.6) (2,162.5) (6.2)% (2,244.1) (2.3)%

Impairment losses (82.1) (187.2) +56.1% (249.7) +67.1%

Operating profit 2,091.2 1,859.6 +12.5% 1,915.3 +9.2%

Share of profits in associates 35.5 35.0 +1.4% 34.0 +4.4%

Profit before taxation and zakat 2,126.7 1,894.6 +12.3% 1,949.3 +9.1%

Profit after Tax and Minority Interest 1,506.2 1,346.9 +11.8% 1,459.6 +3.2%

(PATAMI)

EPS - Basic (sen) 17.9 17.6 +1.7% 17.3 +3.5%

1010

Group‟s operating ratios within guidance set for FY2013

(%) 1Q 2013 1Q 2012 Variance 4Q 2012 QoQ

Return on Equity 14.2 16.0 (1.8)% 16.3 (2.1)%

Net Interest Margin (post-MFRS 10) 2.47 2.47 0 2.45 +2bps

Net Interest Margin (pre-MFRS 10) 2.37 2.38 (1 bps) 2.36 +1 bps

Fee to Income Ratio (post-MFRS 10) 35.4 38.6 (3.2)% 37.5 (2.1)%

Fee to Income Ratio (pre-MFRS 10) 38.7 40.8 (2.1)% 38.8 (0.1)%

Loans-to-Deposit Ratio 89.0 87.2 +1.8% 89.6 (0.6)%

Cost to Income Ratio (post-MFRS 10)# 51.0 50.9 (0.1)% 50.5 (0.5)%

Cost to Income Ratio (pre-MFRS 10)# 50.3 48.7 (1.6)% 50.2 (0.1)%

Asset Quality

Gross Impaired Loans Ratio 1.89 2.44 (55 bps) 1.78 +11 bps

Net Impaired Loans Ratio 1.18 1.57 (39 bps) 1.09 +9 bps

Loans Loss Coverage 99.0 94.5 4.5% 105.6 (6.6)%

Net Charge off rate (bps) 11 28 (17 bps) 21 (10 bps)

Capital Adequacy (Group)^

CET1 Capital Ratio 10.10 n.a n.a 10.22 (0.12)%

Total Capital Ratio 14.76 n.a n.a 15.86 (1.1)%

# Total cost excludes amortisation of intangibles for BII and Kim Eng

^ Capital ratios for 1Q 2012 are adjusted for dividend payment and reinvestment made under the Dividend Reinvestment Plan (DRP) where else the

capital ratios for 1Q 2013 are adjusted based on the assumption of 85% reinvestment rate under the DRP in relation to final dividend FY2012.

11

Fee income ratio healthy at 38.7%, with growth in two largest fee components

1,625

769

369

(32)

403

116

(161)

159

1,420

907

455

(87)

57 88 19

144

Total non-interest income

Commission, service charges

and fees

Investment & Trading Income

Unrealised gain/(losses) on

securities & derivatives

Foreign Exchange profit

Other Income Net income from Insurance Business

Fee income from Islamic

Operations

1Q 2012 1Q 2013

+18.0%

+111.8%+23.4% -171.9% -9.5%-24.2%

-12.7%

-85.9%

RM

million

Note: Based on restated figures for 1Q FY12 post-MFRS 10 application

12

Loan growth stable, despite softer market conditions in first quarter

Mar 13 Dec 12 Annualised Mar 12 YoY

Group Gross Loans * 322.0 317.3 5.8% 287.1 12.1%

Malaysia (RM billion)** 202.4 199.8 5.3% 182.9 10.7%

Community Financial Services 138.9 135.4 10.4% 123.2 12.7%

Global Banking 63.6 64.5 (5.3)% 59.7 6.6%

International (RM billion) 119.6 117.5 7.1% 104.2 14.8%

Singapore (SGD billion) 27.7 27.3 6.9% 24.5 13.4%

Consumer 9.7 9.6 3.1% 9.9 (1.7)%

Commercial 18.0 17.7 9.0% 14.6 23.7%

Indonesia (Rupiah trillion) 80.9 81.1 (1.2)% 69.8 15.8%

Consumer 28.4 27.9 8.4% 21.2 34.0%

Non-consumer 52.5 53.3 (6.2)% 48.7 7.8%

Other markets (RM billion) 21.0 20.6 7.8% 19.1 10.0%

Investment banking (RM billion) 3.5 3.0 70.3% 2.1 66.5%

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

**Takes into account others portion - Dec 12: (0.1) vs Dec 11: 0.1

13

RM billion Mar 13 Dec 12 Annualised Mar 12 YoY

Community Financial Services 138.9 135.4 10.4% 123.2 12.7%

Consumer 111.4 108.2 11.8% 97.7 14.1%

Total Mortgage 49.6 48.5 9.5% 43.4 14.3%

Auto Finance 32.0 31.2 9.8% 28.6 12.0%

Credit Cards 5.3 5.4 (9.5)% 5.2 0.5%

Unit Trust 23.3 21.9 26.1% 19.2 20.9%

Other Retail Loans 1.3 1.3 (7.3)% 1.3 2.9%

Business Banking + SME 27.4 27.1 4.7% 25.5 7.4%

SME 5.1 4.9 15.8% 4.4 17.1%

Business Banking 22.3 22.2 2.2% 21.2 5.4%

Global Banking (Corporate) 63.6 64.5 (5.3)% 59.7 6.6%

Total Domestic* 202.4 199.8 5.3% 182.9 10.7%

Domestic consumer & SME portfolio deliver healthy growth

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

account others portion - Dec 12: (0.1) vs Dec 11: 0.1

14 14

Group deposit growth of 9.5%, with international deposit growth of 17.0% whilst

maintaining our No.1 market share position domestically

Mar 13 Dec 12 Annualised Mar 12 YoY

Group Gross Deposits 355.4 347.2 9.6% 320.2 11.0%

Malaysia (RM billion) 230.4 227.3 5.6% 211.7 8.9%

Savings Deposits 36.9 35.5 15.4% 33.9 8.9%

Current Accounts 56.4 56.9 (3.1)% 49.2 14.6%

Fixed Deposits 118.3 114.6 12.8% 105.2 12.5%

Others 17.7 18.2 (11.4)% 22.2 (20.5)%

Singapore (SGD billion) 32.2 29.9 30.7% 28.0 14.7%


Current Accounts 3.1 2.9 25.0% 2.6 19.0%

Fixed Deposits 25.2 23.1 35.9% 21.8 15.4%

Others 0.4 0.6 (85.9)% 0.6 (26.6)%

Indonesia (Rupiah trillion) 89.5 86.1 15.5% 72.2 24.0%


Current Accounts 13.9 14.7 (20.2)% 12.3 13.3%

Fixed Deposits 56.2 52.6 27.3% 43.8 28.4%

15 15

LDR improves across all key markets supported by faster deposit growth

Singapore BII

Group Malaysia

87.5% 89.6% 90.5% 90.3% 89.0%

33.6% 35.1% 36.0% 35.6% 34.9%

Dec 11 Dec 12 Jan 13 Feb 13 Mar 13

LDR CASA

82.6% 86.3% 87.1% 87.7% 86.6%

38.4% 40.7% 42.1% 41.5% 40.5%


92.5% 90.8% 89.4% 88.2% 85.8%

21.8% 20.8% 21.0% 20.4% 20.4%


93.9% 93.1% 94.6% 92.1% 89.4%

42.6% 38.9% 38.7% 38.8% 37.1%


16

63.7%

20.7%

8.2%

7.4%

62.9%

21.5%

8.0%

7.6%

68%12%16%4%Malaysia Singapore Indonesia Others

72.9%

15.2%

6.8%5.0%

64.0%

15.1%

14.9%

6.0%

64.3%

15.9%

14.2%

5.6%

69.0%

15.4%

6.3%9.2%

16

International PBT contribution increased to 31%

16

International:37%

1Q FY12

RM 4.47b

RM 1.89b

Revenue(Restated 1Q FY12)

Profit Before Tax

1Q FY13

International:36%

International:36%

International:27%

International:31%

RM 4.21b

RM2.13b

Gross loans*

RM322.0b

RM287.1b

International:36%

(Jan 12 – Mar 12)

(Jan 13 – Mar13)

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

17

Group maintains neutral “Jaws” positions

(RM‟ mil) 1Q 20131Q 2012

Restated

YoY

(post-MFRS

10)

YoY

(pre-MFRS

10)

4Q 2012

Restated

QoQ

(post-MFRS

10)

QoQ

(pre-MFRS

10)

Personnel costs 1,218.0 1,152.6 +5.67% +6.38% 1,117.4 +9.01% +8.14%

IT Expenses 142.5 134.4 +6.03% +6.86% 166.4 (14.35)% (14.35)%

Marketing Expenses 249.2 222.9 +11.80% +29.13% 318.9 (21.86)% (38.42)%

Admin, general

expenses, fees &

brokerage and

establishment costs

686.9 652.6 +5.24% +6.62% 641.4 +7.08% +5.04%

Total 2,296.6 2,162.5 +6.22% +7.75% 2,244.1 +2.34% +0.55%

Group overheads composition

% 1Q 2013 1Q 2012 YoY 4QFY12 QoQ

CIR pre-MFRS 10 50.3% 48.7% (3.3)% 50.2% (0.2)%

Group JAW Position (1.1)% +1.6%

CIR post-MFRS 10 51.0% 50.9% (0.2)% 50.5% (1.0%)

Group JAW Position (0.0)% (1.0)%

18

4,209

1,614

465 461 335

1,308

352

4,470

1,740

553 427 395

1,329

484

Total Community Financial Services

Corporate Banking Global Markets Investment Banking

International Banking

Insurance, Takaful & Asset Management

1QFY12 (based on restated figures post-MFRS 10 application) 1QFY13

2,047

733

371 401 116

660

92

2,173

860

454 368 139

622

188




Insurance, Takaful &

Asset Management


Global Banking (GB)

Global Banking (GB)

+8.2%

+17.3% +22.4% (5.8)%

+6.2%

+104.3%

+9.0%

+37.5%+18.9% +17.9% +1.6%(7.4)%+7.8%

+6.2 %

1QFY12 Net revenue rose for business pillarsR

even

ue

(RM

mill

ion

)O

per

atin

g P

rofi

t b

efo

re

imp

airm

ent

loss

es

(RM

mill

ion

)

(8.2)% +19.8%

10.8% (based on Gross Written Premium)

19

1,622

393

165 304 307

476

139

1,583

401

153 254 339 398 257




Insurance & Takaful


2,587

1,221

300 158 28

832

214

2,887

1,339

399 173 57

931

227



International Banking Insurance & Takaful


Global Banking (GB)

Global Banking (GB)

Fund based income growth stronger in the first quarterR

M m

illi

on

RM

mill

ion

+29.4%

+6.0%+33.2% 100.2% +11.8%+9.4%+9.7%

+11.6%

(3.9)%

+1.9% (7.4)% (16.4)%

(2.4)%

+85.8%(16.3)% +10.2%

Fee-based Income declined by 2.4%

Net Fund Based Income rose 11.6%

20

185.2 200.4

76.5

202.0

84.5

94.5%104.2% 104.7% 105.6%

99.0%

0

20

40

60

80

100

120

140

0

50

100

150

200

250

300

350

400

1Q FY12Mar 12

2Q FY12Jun 12

3Q FY12Sep 12

4Q FY12 Dec 12

1Q FY13 Mar 13

Allowance for losses on loans Loans loss coverage

Asset quality maintains improved performance YoY but slight uptick since December

Group Impaired Loans RatioAllowance for losses on loans

2.99%2.74%

2.39%2.25% 2.18%

1.86%

1.57%

1.28% 1.22%1.09% 1.18%

4.67%

4.20%

3.67%

3.34%3.23%

2.84%

2.44%

2.00% 1.90%1.78%

1.89%

Sep2010

Dec2010

Mar2011

Jun2011

Sep2011

Dec2011

Mar2012

Jun2012

Sep2012

Dec2012

Mar 2013

Net Impaired Loan Ratio Gross impaired loan ratio

21

GIL registering long term improvements

Malaysia Singapore BII

3.51

2.89

2.24

2.10 1.992.21

2.43

2.00

1.591.48

1.28

1.48

Dec 11 Mar 12 Jun 12 Sep 12 Dec 12 Mar 13

GIL Ratio

NIL Ratio

0.53

0.62

0.53 0.53

0.450.44

0.26

0.33 0.320.32 0.31 0.29


GIL Ratio

NIL Ratio

2.29

2.092.25

2.15 2.18

2.00

1.201.10

1.000.90

1.30

1.10


GIL Ratio

NIL Ratio

22

14.31% 15.13% 15.27%

31 Mar 13 31 Mar 13 31 Mar 13

CET 1, Tier 1 and Total Capital Ratio

Robust capital ratios under Basel 3

Full

electable

portion paid

in cash

Assuming 85%

reinvestment

rate

Full

electable

portion

reinvested

Note:

- CET1, Tier 1 and Total capital ratio are computed in accordance with Capital Adequacy Framework (Capital Components) issued by BNM on 28

November 2012.

- Based on 85% reinvestment rate under the DRP, assuming without transitional arrangements, the CET1 Ratio would be at 9.17% (Group) and 7.65%

(Bank) respectively. However, if based on capital rules of Monetary Authority of Singapore, the CET1 Ratio would be higher by 0.92% (Group) and 0.77%

(Bank).

9.51% 10.10% 10.20%

11.41% 12.00% 12.11%

14.17% 14.76% 14.86%

31 Mar 13 31 Mar 13 31 Mar 13

Total Capital Ratio Tier 1 Capital Ratio CET 1 Capital Ratio

23

16.21% 15.13%

Dec 12 Mar 13

CET 1, Tier 1 and Total Capital Ratio

10.22% 10.10%

12.45% 12.00%

15.86% 14.76%

Dec 12 Mar 13

CET 1 Capital Ratio Tier 1 Capital Ratio Total Capital Ratio

23

Basel 3 Comparison for capital position as at 31 Dec 2012 against 31 March 2013

Note:

- CET1, Tier 1 and Total capital ratio are computed in accordance with Capital Adequacy Framework (Capital Components) issued by BNM on 28

November 2012.

- Based on 85% electable portion reinvested scenario.

Total Capital ratio lower mainly due to assets growth as

well as gradual phase-out treatment of Tier 1 and Tier 2

capital instruments under Basel III.

Assuming 85%

reinvestment

rate

Assuming 85%

reinvestment

rate

Total Capital ratio lower mainly due to assets growth as

well as gradual phase-out treatment of Tier 1 and Tier 2

capital instruments under Basel III.

24

Table of Contents



Prospects & Outlook



2) Global Banking


5) Other segments

6) Affiliates

5

2

23

29

35

42

45

50

53



25

0.0

0.5

1.0

1.5

2.0

2.5

3.0

3.5

4.0

Jan

-10

Mar

-10

May

-10

Jul-

10

Sep

-10

No

v-10

Jan

-11

Mar

-11

May

-11

Jul-

11

Sep

-11

No

v-11

Jan

-12

Mar

-12

May

-12

Jul-

12

Sep

-12

No

v-12

Jan

-13

CPI % YoY

Economic Outlook: Malaysia

Real GDP growth of 5.3% in 2013 (2012: 5.6%)

Investment will remain a key growth driver with rollout of ETP projects.

Inflation rate to stay moderate at 1.8% (2012: 1.6%)

No change expected in the OPR (3.00%)

Expect MYR of 2.98 vs the USD at end-2013

26

Economic Outlook: Singapore

Singapore‟s economy contracted by 0.6% YoY in Q1 2013 (vs. +1.5%in Q4 2012), dragged by a sharp

drop in manufacturing output (-6.5%)

Full-year GDP growth should however come in at between 1-3% (vs. 1.2% in 2012) as external

demand improves.

A slightly lower inflation rate of 3% to 4% in 2013 (2012: 4.6%) due to softer property rents and

COE premiums.

Interest rate to remain low in an environment of ample global and local liquidity.

-5

0

5

10

15

20

1Q 10

2Q 10

3Q 10

4Q 10

1Q 11

2Q 11

3Q 11

4Q 11

1Q 12

2Q 12

3Q 12

4Q 12

1Q 13 (P)

Real GDP % YoY

0

1

2

3

4

5

6

Feb-1

0

Apr-

10

Jun-1

0

Aug-1

0

Oct-

10

Dec-1

0

Feb-1

1

Apr-

11

Jun-1

1

Aug-1

1

Oct-

11

Dec-1

1

Feb-1

2

Apr-

12

Jun-1

2

Aug-1

2

Oct-

12

Dec-1

2

Feb-1

3

CPI % YoY

27

Economic Outlook: Indonesia

Economy to sustain above-6% growth (2013 estimate of 6.3% vs 2012: 6.2%) on domestic

demand, FDI & infrastructure developments

Higher inflation rate (2013 estimate of 5.3% vs 2012 estimate of 4.3%) on horticulture and

meat import restriction following electricity tariff and minimum wage hike

Benchmark interest rate is expected to be maintained at 5.75% by end-2013 (end-2012: 5.75%)

to support domestic economy growth

IDR/USD end-2013 forecast: 9,600 (end-2012: 9,670) supported by incoming capital inflows

and direct investments

6.11%

0.0

200.0

400.0

600.0

800.0

3.00%

4.00%

5.00%

6.00%

7.00%

8.00%

1Q

03

4Q

03

3Q

04

2Q

05

1Q

06

4Q

06

3Q

07

2Q

08

1Q

09

4Q

09

3Q

10

2Q

11

1Q

12

4Q

12

Real GDP: Still strong grow th

Real GDP, Rp tn (RHS) GDP growrh, % (LHS)

(Rp tn)(y-y)

28

Mixed economic outlook in key

markets

• More robust economic growth in Malaysia towards 3Q as corporate activity

picks up

• Potential tightening of monetary policy and slower than anticipated subsidy

rationalisation may weaken investor momentum in Indonesia

• Flat economic growth in Singapore and continued cooling measures will

impact domestic banking unit (DBU) loan demand

• Inflation to remain moderate in Malaysia and Singapore but potential uptick in

Indonesia

Loans growth to pick up in 2H

2013

• Domestic corporate loan demand to pick up towards second half of 2013 while

consumer and retail SME should continue to grow in line with economy

• Commercial financing in Singapore will be key focus for the year while holding

an opportunistic view on consumer loans

• Corporate loans in Indonesia also to pick up in second half of 2013 while retail

and SME loans growth to be supported by new product capabilities including

auto refinancing and micro-financing

• Management to continue with responsible loans growth strategy while pursuing

overall Group loans growth target of 12.0% for FY2013

Deposit growth in 1Q to support

expected higher loans growth in

2Q and 3Q

• Improved funding capabilities to support loans growth in 2Q and 3Q arising

from stronger deposit growth in 1Q

• Continued focus on retail deposit growth in Indonesia and Singapore; SME and

business banking deposit growth in Malaysia

Guidance for FY2013 (1/2)

29

Asset quality to be monitored

closely

• Continuous monitoring of corporate/business banking accounts and

macroeconomic conditions

• Provisioning on specific accounts where required and continued focus on

raising loan loss coverage

• Management maintains guidance on 10 bps increase in net credit charge off

rate

Income growth to pick up pace

in 2Q and 3Q

• Net fund based income to pick up on the back of stronger loans growth but

NIM may compress amidst finer pricing of corporate loans and repricing of

mortgage book in Malaysia

• Management maintains guidance of 10 bps Group NIM compression

• Net fee based income to grow with strong deal flow anticipated in 2Q

• Fee income to trend between 35% to 40% during the year

• Overheads to be managed against income growth with a view to maintain

positive JAW position

Key priorities for Management

going forward

• To ensure that funding capacity can be channeled to good quality and

profitable loans

• To remain vigilant on asset quality given the mixed economic outlook

• To effectively manage capital in line with new regulatory environment and

remain focused on cost optimisation

Guidance for FY2013 (2/2)

30

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5) Other segments

6) Affiliates

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31

4.6

5.8

4.7 4.6 4.8

2.7 3.0 3.0 3.02.6

Mar 12 Jun 12 Sep 12 Dec 12 Mar 13

Mortgage Approval (RM billion) Mortgage Disbursement (RM billion)

Continued growth in loan balances despite intense competition Asset quality continued to improve

Slight moderation in market share in 1Q FY13

Mortgage grew 9.5% annualised with continued improvement in asset quality

+14.3% YoY

RM

billion

RM

billion

* Industry refers to residential property and shophouses.

Continued momentum in mortgage approvals* in 1Q FY13

* Based on cumulative 3 months figures

+9.5% annualised

1.9%1.6%

1.3%1.1%

1.0%


Gross Impaired loans ratio - Mortgage

13.2% 13.3% 13.4% 13.4% 13.3%


37.3 38.6 39.8 40.9 41.8

6.16.6

7.17.5

7.8


Housing loans Shophouse loans

43.4

48.546.9

45.2

49.6

32

28.029.1

29.930.7

31.4


Auto Finance business continued to improve in volume and market share

Continued growth momentum in Auto Finance* Improvement in market share

Non-national cars formed 65% of Auto Finance* loans New cars formed 88% of total Auto Finance* loans

RM

billion

* Auto Finance data refers to hire purchase arrangements only

36% 35% 35% 35% 35%

64% 65% 65% 65% 65%


Non-national cars National Cars

13% 12% 12% 12% 12%

87% 88% 88% 88% 88%


New cars Used cars

+12.1% YoY

+10.0% annualised

0.6%0.5% 0.5%

0.4%0.5%

19.9%20.2%

20.4% 20.5% 20.6%

0.0%

0.5%

1.0%

1.5%

2.0%

17.0%

17.5%

18.0%

18.5%

19.0%

19.5%

20.0%

20.5%

21.0%


Gross Impaired loan ratio Auto Finance* Market Share

33

Cards business growth ahead of industry in most key areas

Lower cards receivables in tandem with industry

RM

billion

Card base moderated in 1QFY13 („000)

• Market Share for Billings and Merchant sales is based on 12-

months running performance

• Card base excludes Debit cards

• Merchant and Billings consist of transactions done through

Credit, Charge and Debit cards

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

Cards Market Share Cards business outperformed industry in most areas

Mar 13 Mar 12

Cardbase 18.2% 18.1%

Billings 26.4% 24.7%

Receivables 15.3% 15.4%

Merchant Sales 33.2% 31.0%

+1.0% YoY +1.8% YoY

YoY Maybank Industry*

Cardbase 1.8% 1.0%

Billings 14.6% 7.1%

Receivables 1.0% 1.4%

Merchant Sales 14.8% 7.2%

5.115.08

5.13

5.28

5.16


1,471

1,488

1,502 1,500 1,497


-9.1% annualised-0.7% annualised

34

21.2 22.3 22.8 22.2 22.3

4.4 4.6 4.7 4.9 5.1


BB SME

13.0 13.7 13.9 14.6 14.3

38.5 39.5 39.8 41.7 41.8


BB SME

19.9%

21.2%21.5%

22.1% 22.1%


Business Banking and SME expanding loans base, improving asset quality

Deposits growth at 8.9%

Business Banking and SME: Gross Impaired Loans Ratio

improvedSME loans market share stable

RM

billion

RM

billion

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

Business Banking & SME Loans grew 7.4% of which SME

growth was at 17.1% +8.9% YoY

* NPL ratio improved from 8.2% as at Mar‟12 to 5.8% as at Mar„13

+7.4% YoY

+4.7% annualised

51.553.2 53.7

56.3 56.126.9

25.627.127.5

(1.1)% annualised

27.4

10.6%

9.0% 8.6%9.4% 9.0%

8.3%7.2%

6.1% 5.7%5.2%


BB & SME GIL SME GIL only

35

104.0

107.9

111.6

117.6

121.1


87.3

89.590.9

93.0

95.3


Mass Customer Cross Selling Ratio on an upward trendHNW & Affluent Customer Cross Selling Ratio improving

HNW & Affluent Customer TFA grew 16.4%

+16.4% YoY +9.2% YoY

Mass Customer TFA grew 9.2%

Pro

ducts

per

cust

om

er

Tota

l TFA (

RM

billion)

Tota

l TFA (

RM

billion)

* Customer classification: HNW (IA > RM250K, TFA > RM1M); Affluent (IA between RM 50K to RM250K, TFA between RM250K to RM1m)

* TFA: Total Financial Assets (Deposits, Investments & Financing), IA: Investable Assets (Deposits & Investments)

Customer Segmentation: Continued growth in TFA and cross selling ratio

Pro

ducts

per

cust

om

er

+11.9% annualised +9.9% annualised

6.176.18 6.19

6.21

6.24


2.782.81

2.842.86

2.88


36

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6) Affiliates

5

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37

16.3

2.5

28.5

28.4

18.1

2.6

29.4

32.5

18.0

2.5

28.4

32.7

Mar'13

Dec'12

Mar'12

Trade Finance market share3 easing due to settlements

Corporate Banking Gross Impaired Loans Ratio declined

from 2.72% a year ago to 2.10% in March 2013 resulting

from major recoveries

Total GB loans increased by 7.0% YoY to RM63.6 billion

+15.1%

YoY

(0.4)%

YoY

(1.1)%

YoY

RM billion

1 Trade Finance includes BA, Trust Receipts, ECR, OFCL, STRC, USD (COF) and

Factoring2 Off Balance Sheet Liabilities items includes BG, LC,SG and UBLC3 Market share of total trade products (On Balance Sheet items, Contingent

Liabilities and Others)

Global Banking: Domestic Corporate Banking

+10.5%

YoY

Trade Finance

Off Balance

Sheet

Liabilities2

Term

Loan

Trade Finance

and Others1

Overdraft

2.72%

1.46% 1.46%1.24%

2.10%

Mar '12 Jun '12 Sep '12 Dec '12 Mar'13

26.3%26.7%

26.3% 26.5%26.0%

Mar '12 Jun '12 Sep '12 Dec'12 Feb'13

38

Government Securities -Domestic

29.6% Government Securities -

Foreign19.5%

PDS -Domestic

25.0%

PDS - Foreign18.7%

Others (NIDs, BA, etc)

7.3%

Government Securities -Domestic

30.7%

Government Securities -

Foreign22.4%

PDS -Domestic

24.4%

PDS -Foreign16.1%

Others (NIDs, BA,

etc)6.4%

SA(Govt.

Guaranteed) 33%

AAA 36%

AA 24%

A 5%

CommercialPapers 2%

SA(Govt.

Guaranteed) 50%

AAA 23%AA 24%

A 1%

CommercialPapers 2%

407 379

258 254

Mar'12 Mar'13

Non-Interest IncomeNet Interest Income

Global Banking: Regional Global Markets

37.8 37.1 36.8 39.1 42.2

28.8 28.7 29.3 33.9

37.6 4.6 5.2 5.0

7.4 6.3


Others

PDS

Govt. Securities

Group Securities Portfolio grew 20.9% Y-o-Y

+20.9% YoY

71.2

86.1

70.9 71.180.4

PBT and Revenue contracted by 2.4% and 4.8% YoY

respectively

(2.4)%665

633

(4.8)%

PBT Revenue

RM

million

*Including Regional performance

Group Securities Portfolio: 38.5% foreign securities as at

March 2013

RM86.1

billion

RM71.2

billion

Mar 13 Mar 12

47% of PDS rated “AA” or above as at March 2013

RM21.5

billion

RM17.4

billion

540 527

Mar'12 Mar'13

RM

million

Mar 13 Mar 12

39

Global Banking: Notable Deals in 1Q FY2013

39

NOTABLE DEALS COMPLETED FROM JAN –MARCH 2013

Exchange Tradeable Bonds

RM 300 million

January 2013

Malaysia

DanaInfra Nasional Berhad

Sukuk

RM 5.3 billion

January 2013

Malaysia

Turus Pesawat Sdn Bhd

Corporate Reorganisation

Exercise

RM 5.8 billion

January 2013

Malaysia

Malakoff Corporation Bhd

Multi-Currency Sukuk

Programme

USD 1.5 billion

January 2013

Malaysia

Sime Darby Global Berhad

Sukuk Murabahah

RM 540 million

January 2013

Malaysia

Jati Cakerawala Sdn Bhd

Sukuk Murabahah

RM 835 million

January 2013

Malaysia

Teknologi Tenaga Perlis Consortium

Sdn Bhd

Islamic Medium Term Notes

RM 750 million

January 2013

Malaysia

Cerah Sama Sdn Bhd (A member

of Taliworks Corp Bhd)

Share Placement

RM 1billion

February 2013

Malaysia

SP Setia Berhad

Islamic Medium Term Notes

RM 2 billion

February 2013

Malaysia

UMW Holdings Berhad

Adviser for Privatisation of

AIRB

RM 181 million

February 2013

Malaysia

Aliran Ihsan Resources Berhad

Share Placement

USD 1.5 billion

March 2013

Indonesia

PT Matahari Departmental Store

Tbk

Syndicated Term Loan

USD 60 million

January 2013

Indonesia

CT Corp

Islamic Sukuk

SGD 50 million

January 2013

Singapore

City Developments Limited

Term Loan

HKD 500 million

February 2013

Hong Kong

YueXiu Transport

40

Maybank IB now a major Regional Investment Banking player

with the addition of Maybank Kim Eng

Advisor RankingMarket

Share

Amount

MYR

(Mil)

Maybank 1 56.1% 1,097.86

RHB 2 8.4% 165.33

Kenanga Investment Bank 3 6.9% 135.68

AmInvestment Bank 4 6.4% 124.92

Affin Investment Bank 5 4.5% 88.13

Underwriter RankingMarket

Share

Amount

MYR

(Mil)

CIMB 1 21.9% 3,048.25

Maybank 2 18.4% 2,565.50

AmInvestment Bank 3 17.9% 2,487.72

RHB 4 15.5% 2,162.75

Hong Leong Investment Bank 5 7.0% 975.50

Malaysia League Table – Equity & Rights Offering

Malaysia League Table – Malaysian Domestic Bonds

Source: Bloomberg, YTD Mar 2013

Source: Bloomberg, YTD Mar 2013

Maybank Kim Eng is now a leading regional investment

bank and broking house with presence in 10 locations.

Maybank Kim Eng has also been the No. 1 broker in

Thailand for the past 11 years.

Since the acquisition of Kim Eng, we have expanded our

product catalogue across the countries and are now

able to offer our clients with additional products such

as debt offerings, futures broking and regional online

trading.

In Indonesia, we have just introduced a bank broking

service to selected BII branches to leverage on BII‟s

wide distribution network.

In terms of new product offerings, we recently

launched a full-fledged Blackberry Z10 mobile trading

application making us the world‟s first full-service

broker to do so.

ASEAN Stockbroking Champion

Ranking Market Share

#3 8.0%

#6 7.2%

#6 3.9%

Ranking Market Share

#1 13.0%

#4 7.8%

#7 4.5%

Source: Respective country stock exchanges

41

Malaysia134.3, 33%

Singapore66.4, 16%

Thailand149.3, 37%

Philippines29.5, 7%

Indonesia8.6, 2%

Hong Kong 8.0, 2%

Others13.9, 3%

Country Rank Market ShareTrading Value

(RM million)

Thailand 1 13.0% 96,626

Malaysia 3 8.0% 15,908

Indonesia 6 3.9% 9,264

Philippines 4 7.8% 7,389

Singapore* 6 7.2% 34,775

Vietnam** 7 4.5% 338

*Rank is estimated based on market share

**Consolidated based on both Vietnam stock exchanges

1Q FY2013 Total Income (RM million)

1Q FY2013 Fee-based Income for Malaysia

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

Maybank Kim Eng

RM

million

1Q FY2013 Equity Brokerage League Table by Country

RM410.1 mil

339.9

291.2

410.1

1Q FY12 4Q FY12 1Q FY13

1Q FY2013 Total Income for Maybank Kim Eng rose by

40.8% QoQ and 20.6% YoY

Primary Subscriber's

Fees12%

Arrangers' Fees20%

Advisory Fees8%

Brokerage25%

Placement Fees9%

Underwriting Fees7%

Other Fee Income

20%

Agency/ Guarantee

Fees1%

+20.6% YoY

+40.8% QoQ

42

1Q FY2013 Maybank IB‟s (Malaysia) Industry Position & Market Share

Source: 1 Bloomberg 2 Bursa Malaysia

1Q FY2013 (Jan-Mar 2013) FY 2012

Industry

Rank by

Value

Market

Share

Total

Value

(RM bil)

Deals /

Issues

Industry

Rank by

Value

Market

Share

Movement

of ranking

Equity & Rights

Offerings1 1 56.1% 1.1 3 2 19.7% +1

M&A1 2 16.8% 6.1 10 1 36.5% -1

Debt Markets –

Malaysia Domestic

Bonds1

2 18.4% 2.6 80 2 25.6% 0

Debt Markets –

Malaysia Ringgit

Islamic Bonds1

3 17.7% 1.8 66 2 27.7% -1

Equity Brokerage2 3 8.0% 15.9 - 3 7.1% 0

Maybank Kim Eng

43

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44 44

Maybank Singapore: Earnings Summary

(SGD‟ mil) 1Q FY2013 1Q FY2012 YoY 4Q FY2012 QoQ

Net Fund Based income 105.7 117.8 (10.3)% 121.5 (13.0)%

Net Fee Based income 72.8 62.4 +16.5% 62.3 +16.8%

Net income 178.5 180.2 (1.0)% 183.8 (2.9)%

Overhead expenses 70.1 83.8 (16.3)% 66.7 +5.2%

Operating profit 108.3 96.5 +12.3% 117.1 (7.5)%

Profit before taxation 100.4 95.5 +5.1% 123.9 (19.0)%

45

0.470.53

0.620.53 0.53

0.45 0.44

0.180.26

0.33 0.32 0.32 0.310.29

Sep 11 Dec 11 Mar 12 Jun 12 Sep 12 Dec 12 Mar 13

GIL Ratio NIL Ratio

Maybank Singapore loans of 13.6% grew at a slower

pace than industry

Maybank Singapore

Loans portfolio stood at SGD27.6b as of March

2013, 13.6% or SGD3.3b YoY growth.

Business loans increased 23.9% or S$3.5b to

reach new high of SGD18b, led by lending to

building & construction and non-bank financial

institutions. By product type, substantial

growth was registered in syndicated loan and

term loan.

Consumer loans fell 1.5% or SGD148m YoY as

housing loans and automobile financing were

impacted by recent government cooling

measures. Expansion in other consumer loans

which included term loan, revolving credit loan

and credit card mitigated the decline.

Asset Quality continued to improve in Mar 2013

6.2 7.7 8.1

3.8 4.2 3.91.8

2.8 3.02.7

2.9 3.0

5.3 5.0 5.0

3.3 3.1 3.0

1.3 1.5 1.6

Mar 12 Dec-12 Mar 13

Other (Consumer)

Car Loan

Housing Loan

Others (Corporate)

Non-Bank financial InstGeneral Commerce

Building & Const

27.2

Diversified Loan Portfolio

SG

D b

illi

on

Consumer35%

Corporate 65%

5.9%

annualised24.3

27.6

5.9%

annualised

25.428.6

10.6

13.614.8

24.2

10.4

15.3

Jun 11 Dec 11 Dec 12 Mar 13

Maybank Singapore Growth Industry Growth

46

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47 47

Earnings Summary

(IDR‟ bil) 1Q FY2013 1Q FY2012 YoY 4Q FY2012 QoQ

Net Fund Based income 1,380 1,168 +18% 1,366 +1%

Net Fee Based income 638 628 +2% 512 +25%

Net income 2,018 1,796 +12% 1,877 +8%

Overhead expenses (1,461) (1,247) +17% (1,228) + 19%

Personnel (566) (584) (3%) (560) +1%

General & Administrative (895) (663) +35% (668) +34%

Operating profit 557 549 +1% 650 (14%)

Provision expenses (195) (220) (11%) (280) (30%)

Non Operating

Income/Expenses76 51 +50% 43 +76%

Profit Before Tax Before

Minority Interest

438 379 +15% 414 +6%

Profit after Tax and Minority

Interest

(PATAMI)

309 267 +16% 286 +8%

EPS - Basic (Rp.) 5 5 +16% - -

48

Net Interest Margin (Consolidated)

Asset Quality (Consolidated)

Asset quality improved with gross impaired loan ratio declining to 2.0%

Loans composition (Consolidated)

Loans growth of 14% YoY and LDR improved to 88.0%

BII: Continued strong performance bankwide. Impressive growth in deposits

NIM decreased to 5.32%

Deposits Growth (Consolidated)Deposit grew 23.9% YoY

5.51%5.89% 5.88% 5.73%

5.32%

Mar-12 Jun-12 Sep-12 Dec-12 Mar-13

1.1% 1.0% 0.9%1.3% 1.1%

2.1% 2.2% 2.1% 2.2% 2.0%


Net Impaired Loans Ratio Gross Impaired Loans Ratio

27.0 27.4 28.2 29.7 26.8

17.1 19.5 20.7 23.1 23.8

26.0 26.7 27.2 28.3 29.3

69.8 73.5 75.9 80.9 79.7


Global Banking Business Banking Retail Banking

12.3 13.5 13.0 14.7 14.016.1 16.0 16.8 18.8 19.3

43.7 47.1 50.0 52.5 56.0


Current Account Savings deposits

Time deposits

72.0 76.6 79.8 85.9 89.3

Rp

trillion

YTD Dec‟12-Feb‟13 Growth :

Industry (Bank) = -0.55%

BII (Bank Only) = 0.94%

Rp

trillion

49

BII: Branches and touch points expansion on track and continued strong

growth in PATAMI

Capital Adequacy: consolidated (credit,

operational & market risk)

PATAMI

A total of 670 branches comprising 415 BII branches, 214

WOM branches and 41 BII Finance branches

Currently has 1,388 ATMs and 65 CDM as of 31 March

2013

Connected to ATM networks of 20,000 ATMs via ALTO,

ATM Bersama, MEPS , Cirrus & Plus

Present in all provinces in Indonesia

Serving 4.2 million customers

12.71%12.56%

12.33%

12.83%

13.29%


822 725

634

353 469

(41)

461

669

1,208

309 249 255

327 351 368 375 389 415 415*

740 787952

1,152 1,190 1,218 1,2371,317 1,388

Dec-08Dec-09Dec-10Dec-11 Mar-12 Jun-12 Sep-12 Dec-12 Mar-13

Branches ATM + CDM

* as of 31 Mar’13, 11 new branches opened, 1 reschedule to 2013 plan

Branches and ATM

50

400374369

324

53 40-22 10

YTD Mar 12 YTD Mar 13

Total Revenue Total Expenses

Provision Expenses Profit Before Tax

Revenue and PBT (Rp billion)

Financing Amount (Rp billion)

Unit Financing (thousand unit)

Asset Quality

WOM Finance: Profit improved due to continued focus on underwriting and cost

efficiencies despite motorcycle business impacted by new regulations but overall

2.88% 3.29%3.43%

3.16% 2.85%

1.58% 1.75% 1.67% 1.46% 1.34%

8.43%7.86% 8.06%

7.59% 7.17%

5.69% 5.62%4.69%

3.77% 3.40%


Gross NPL Net NPL NBD FID

116

26

142

83

30

113

New Used Total


1,498

224

1,721

1,104

237

1,341

New Used Total


Note: NBD : Net Bad Debt, FID: First Installment Default

51

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52

16.4

8.8

16.8

11.0

17.1

12.6

20.4

11.8

17.8

13.7

22.4

12.0

AITAB Mortgage Financing Term Financing Others

Mar-12 Dec 12

+8%

Group Islamic Banking

Maybank Islamic: Total Gross Financing grew by 6% to RM66.0 bil

+15%

+34%

+38%

Maybank Islamic: Total Gross Financing grew by 6% to RM66.0 bil

* Others consist of Trade Financing, Cards, Cashline-i and STRC-i.

Group Islamic Banking Income and PBT*

* Islamic auto financing includes financing sold to Cagamas

RM

bill

ion +4%

Maybank Islamic: Improving key ratios

Market Share

* Group Islamic Banking includes Maybank Islamic and the Group‟s

other Islamic operations

** Other operating income comprise of fee income and other income

RM million 1Q FY13 1Q FY12YoY

Growth4Q FY12

Fund based income 475.3 375.6 26.5% 396.4

Other operating income** 144.0 159.2 -9.5% 130.1

Total income 619.3 534.8 15.8% 526.5

Allowance for losses on

financing6.8 40.1 -83.0% 13.2

Profit before tax and

zakat362.8 352.9 2.8% 217.9

Mar 13 Dec 12

Financing to Deposit Ratio

(Adjusted)87.3% 82.0%

Islamic Financing to

Total Domestic Loans32.5% 31.0%

Gross Impaired Financing Ratio 0.79% 0.85%

Net Impaired Financing Ratio 0.63% 0.70%

+55%

+33%

+9%

Annualised Growth

Y-o-Y Growth

Mar 13 Dec 12

AITAB* 31.0% 30.0%

Mortgage 21.8% 21.4%

Term Financing 23.3% 23.3%

53

23.86 25.89

27.53

Mar 2012 Dec 2012 Mar 2013

Insurance and Takaful: Etiqa

Total Assets (RM billion)

Life / Family (New Business) Market Share

General Insurance and Takaful Market Share

Premium

No. 2 in Life/Family

(New Business)

No. 1 in General

Insurance and

Takaful10.0%

10.7%

13.1%

0.0% 5.0% 10.0% 15.0%

Allianz Insurance

AmG+Kurnia Insurance

Etiqa Ins. & Tak.

+25.2% annualised

+15.3% YoY

13.8%

18.7%

18.7%

0.0% 5.0% 10.0% 15.0% 20.0%

Prudential Ins. & Tak.

Etiqa Ins. & Tak.

AIA & ING Ins. & Tak.

+1.3% YoY

Profit Before Tax (RM million)

0 200 400 600 800 1,000 1,200 1,400 1,600

Total Life/Family & General

Total General

Misc

MAT

Motor

Fire

Total Life/Family

Group Premium

Credit Premium

Regular Premium

Single Premium

RM Million

1Q FY13

1Q FY12

+23.5%

+3.8%

-14.9%

+7.9%

+19.6%

+19.4%

+10.9%

+10.8%

+ 13.8%

+1.7%

+8.0%

230.66 233.65

Mar 2012 Mar 2013

54 54

31.46 31.16

37.1339.90

As at 31 Dec 12 As at 31 Mar 13

Pes

o B

illio

n

Gross Loans

Total Deposits

690.0

944.0

178.7

278.6

Quarter 1 FY12 Quarter 1 FY13

Pes

o M

illio

n

Revenue

PBT

1QFY13

Maybank Philippines: PBT grew 55.9% fueled by hefty trading gain

Revenue and PBT

Gross Loans and Deposits

+36.8%

+55.9%

+7.5%

-0.9%

1Q FY2013 PBT increased 55.9% YoY largely contributed

by increase in Non Interest Income from realised gain

from trading of securities and mark-to-market gain

recognised on held-for-trading securities.

The higher PBT was also contributed by lower loan loss

provision due to lower loans growth in 1Q FY2013 as

compared to 1Q FY12.

Gross loans dipped by 0.9% compared to 4Q FY2012 due

to a large corporate repayment.

Deposits increased 7.5% QoQ to Peso 39.9 billion due to

growth in corporate deposits.

NPL ratio increased to 3.05% from 2.67% in 4Q FY2012.

Cost to Income ratio rose to 60.1% from 45.5% in

4QFY12

1QFY12

Key Ratios 1Q FY13 4Q FY12

Return on assets 1.39% 1.45%

Return on equity 10.86% 12.54%

Cost-to-income ratio 65.69% 65.31%

Loans to deposit ratio 78.10% 84.71%

NPL Ratio 3.05% 2.67%

Net Interest Margin 5.00% 4.48%

No. of branches 55 5431 Dec 12 31 Mar 13

55

Table of Contents



Prospects & Outlook



2) Global Banking


5) Other segments

6) Affiliates

5

2

21

29

35

42

45

50

53



56

433.3

385.8

177.6130.3


VN

D B

illion Revenue

PBT

23.3

26.8

33.6 33.5


VN

D T

rillio

n

Gross

Loans

Customer Deposits

Revenue and PBT


-11.0%

-26.6%

-0.1%

+15.2%

1QFY13 PBT declined by 26.6% compared to 1QFY12 due

a 32.6% decline in Net Interest Income due to NIM

compression as the State Bank of Vietnam (SBV) reduced

the discount rate by 500bps during 2012.

Overheads was higher by 16.5% YoY or VND35.4 billion

due to intensive marketing campaign and increase in

staff strength.

Gross loans grew 15.2% mainly contributed by growth in

corporate banking and lending to other financial

institutions amounting to VND2,876 billion while retail

banking contributed VND652 billion.

Deposits dropped slightly by 0.1% as banks in Vietnam

faced difficulty in mobilising deposits. SBV lowered

deposit rates to 7.5% from 8.0% in March 2013.

NPL ratio rose to 2.7% from 2.3% previously despite the

higher gross loan base.

1QFY12 1QFY13

31 Dec 12 31 Mar 13






NPL Ratio 2.68% 2.29%


An Binh Bank: PBT declined 26.6% YoY due to NIM compression

57

262.6 262.5

536.2558.6


PK

R B

ilio

n

Gross Loans

Customer Deposits

13.2

12.2

8.7 8.9


PKR

Billi

on

Revenue

PBT

1Q FY2013 PBT rose 1.9% YoY or PKR8.9 billion.

However, revenue dropped by PKR1 billion due to

NIM compression from the reduction in policy rate

by 250 bps during 2012

Gross loans dipped 0.03% as credit demand was

subdued in the wake of the uncertain political

situation.

Customer deposits grew 4.2% to PKR558.6 billion,

mostly contributed by corporate deposits.

NIM declined to 6.0% from 6.5% in 4Q FY2012,

affected by the re-pricing of loans at lower

interest rates following the rate cut in December

2012 coupled with higher cost of funds.

ROE declined to 19.9% from 25.1% in 4Q FY2012

Efficiency improved with CIR of 34.9% from 35.6%

in 4Q FY2012

MCB Bank: PBT rose 1.9% YoY despite slow credit demands

Revenue and PBT


-0.03%

+4.2%

+1.9%

-8.0%

1QFY12 1QFY13

31 Dec 12 31 Mar 13






NPL Ratio 9.65% 9.82%


58

Mohamed Rafique Merican

Group Chief Financial Officer

Contact: (6)03-2074 7878

Email: [email protected]

MALAYAN BANKING BERHAD

14th Floor, Menara Maybank

100, Jalan Tun Perak

50050 Kuala Lumpur, Malaysia

Tel : (6)03-2070 8833

www.maybank.com

Narita Naziree

Head, Group Business Planning & Investor Relations

Contact: (6)03-2074 8017

Email: [email protected]

Disclaimer. This presentation has been prepared by Malayan Banking Berhad (the “Company”) for information purposes only and does not purport to contain all the

information that may be required to evaluate the Company or its financial position. No representation or warranty, express or implied, is given by or on behalf of the

Company as to the accuracy or completeness of the information or opinions contained in this presentation.

The presentation does not constitute or form part of an offer, solicitation or invitation of any offer, to buy or subscribe for any securities, nor should it or any part of

it form the basis of, or be relied in any connection with, any contract, investment decision or commitment whatsoever.

The Company does not accept any liability whatsoever for any loss howsoever arising from any use of this presentation or their contents or otherwise arising in

connection therewith.

Investor Relations Contact

Humanising Financial Services Across Asia

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Investor PresentationInvestor Presentation Financial Results: First Quarter FY2013 23 May 2013. 1 Table of Contents ... on track to meet full year target of 15.0% Core operating indicators