000

Humanising Financial Services

55th Annual General MeetingPresentation to Shareholders

by Tan Sri Dato’ Megat Zaharuddin, Chairman

7 April 2015

0

111

TESTMaybank has made record profits year after year, resulting from its

pursuit to be a regional financial services leader in humanising

financial services.

“Corresponding to the increase in

revenue, net profit after tax and

minority interest has risen to

RM3.82 billion, a new record.”Annual Report 2010

“We took full advantage of

healthy economic conditions…

(which) enabled us to post a

record net profit attributable

to shareholders of RM4.45

billion.”Annual Report 2011

“…your Company has performed strongly

once again, with record Profit After Tax

and Minority Interest (PATAMI) growing

at double digits, reaching RM6.55

billion at end of FY2013.”Annual Report 2013

“PATAMI rose 17.6% year-on-

year to a new high of RM5.74

billion and nearly all our

business sectors both at home

and abroad reported higher

revenue growth than in 2011.”Annual Report 2012

1

222

TESTWe have expanded our business footprint in key markets,

including the two fastest growing regions in the world, Southeast Asia and Greater China.

2

333

TEST

We have enhanced our organisational and relationship management

capabilities as well as our physical and virtual touchpoints to ensure better delivery of products and services in meeting customers’ needs.

5,900Self-service Terminals

2,400branches

Maybank’s Physical and Virtual Touchpoints

Maybank2uOnline and mobile banking

3

Indonesia

United States

444

“I hope we have earned a place in the

hearts of our communities with our

commitment for financial inclusion of all our stakeholders”.

4

555

2014 was a more challenging year for the financial services

industry.

GDP growth slowed in our key

markets such as Singapore, Indonesia and even Greater China.

Capital market activity

was relatively unexciting in 1H 2014

4.45.2

7.7

2.92.9

4.7

7.4

2.5

Singapore Indonesia China Hong Kong

2013 2014

-1.5% -0.5% -0.3% -0.4%

Change in Real GDP Growth

22.4

14.3

9.7

14.9

1H2013

2H2013

1H2014

2H2014

ASEAN Equity Issuance (USD billion)

5

666

TESTYour Company has performed commendably

Return on Equity (ROE) of 13.8%.

Net profit hit a new record of RM6.72 billion.

6

777

Our on-going cost management efforts controlled

overheads growth, which mitigated the softer revenue

performance.

Overheads growth

7

9.4%

8.4%

2.1%

2012 2013 2014

888

TEST

11.25% 11.75%

2013 2014

Common Equity Tier 1 Capital ratio

+0.50%

8

We strengthened our capital base

Maybank has the highest Common Equity Tier 1 Capital ratio

among Malaysian banks.

999

We focused on capturing value and creating opportunities in countries

where business conditions were more favourable.

In Malaysia, almost all our business sectors performed admirably.

PBT grew 32.5% for Community Financial Services and 15.2% for Insurance & Takaful

3.22

1.61 1.40

0.46

0.02

0.78

4.27

1.63 1.49

0.48

0.001

0.90

CommunityFinancial Services

Corporate Banking Global Markets InvestmentBanking

Asset Management Insurance andTakaful

FY2013 FY2014

Global Banking (GB) +3.1%+32.5%

-96.5%

+15.2%

+1.2% +6.7% +3.7%

9

RM

billion

101010

TEST

Maybank was voted the Top Graduate Employer of the Year

in Malaysia’s Leading 100 Graduate Employer Award 2014.

This not only speaks volumes of our employment culture and practices,

but also that of our ability to attract new talent into the organisation.

10

111111

TEST

Productivity improvement continued to yield results

• Staff strength maintained at 47,000 employees despite adding

17 new branches.

• IT infrastructure enhancements have also improved staff

productivity.

1.79X 1.81X

2013 2014

+1.2%

11

121212 12

• Commitment to the Environment

• Focus on Customers

• Digitisation

• Product Stewardship

• Investing for impact • Employee Engagement

• Learning and development

• Talent and leadership

• Health, safety and wellbeing

• Diversity and Inclusive

Workplace

We will be guided by the Maybank 20/20 Group Sustainability Plan

20/20 Group Sustainability Plan

Community

and CitizenshipPeople

Access to

Products and Services

131313 13

Maybank has been included in

the top 20 list of the FTSE4Good

Bursa Malaysia ESG Index

We won

multiple

awards for

our

Sustainability

Report 2013.

NACRA 2014 Awards

ACCA Malaysia

Sustainability Reporting

Awards (MaSRA

Among the awards:

141414

TESTGroup’s Inclusiveness and Diversity Agenda (GIDA)

Maybank’s representation of

women in leadership positions

35%Women in Senior

Management

Positions

women mentees with mentors

from senior management

35%Women for

Critical

Positions

Malaysia: Bumiputera

Economic Excellence

Programme initiatives

ETP

Financing

Programme

Road to

Bursa

Bumiputera Centre

of Bumi Entrepreneurial

Excellence

SME Portfolio

Guarantee

Bumiputera

Microfinancing for

the Underbanked

35

14

151515

Maybank Foundation continues to support corporate responsibility (CR) programmes with high impact

CashVille Kidz

660 Schools, 102,580 Students

2,660 Teachers

Microfinance

BII Berbagi

Over 6,000 women

since 2012

Selayang Liver Transplant Centre

63 transplants since 2002

RM8 million contribution

15

161616

We were quick to respond to natural disasters such as Typhoon Hagupit

in the Philippines and the worst ever recorded floods that ravaged the east coast of Peninsular Malaysia in December.

RM 1 millionfor MERCY Malaysia

160 employees

assisted in East

Coast floods

16

171717

Volunteer hours for Global CR Day and Cahaya Kasih

initiatives increased by 20% to 142,900 hours.

26,200Volunteers

globally

142,900Man-hours

5th Global CR Day 2014

Inspiring Global Communities

17

181818 18

Sustainability Report 2014

Executive Summary of

Sustainability Report 2014

available now at

www.maybank.com/sustainability

Sustainability Report 2014

available in

May 2015

191919

Retirement:

En. Zainal Abidin Jamal

Served the Board since July 2009.

New appointments:

Datuk R. Karunakaran

Appointed in

July 2014

Mr Cheng Kee Check

Appointed in

November 2014

Change in Board of Directors

19

202020

We also look forward to the creation of the ASEAN

Economic Community (AEC) by the end of 2015.

We are present in all 10 ASEAN countries

20

212121

TESTWe are positive about the prospects of AEC.

Opportunities arise since many in ASEAN are still financially under-served.

However, competition will intensify due to AEC’s fast growing GDP.

Potential for greater financial inclusion

21

222222

TESTWe have the capability to benefit from the AEC.

Our diversified technology-savvy workforce will excel in a liberalised ASEAN market

22

We aim to be fleet-footed and continue to leverage on our strong

balance sheet to facilitate our clients’ expansion in the evolving AEC.

232323

Our outlook for 2015 is mixed.

The year began with uncertainties on several fronts…

Although lower price of crude oil provides respite to some sectors, it also shrinks the national income of oil exporting countries like Malaysia.

from falling crude oil prices to… weakening of some Asian currencies.

40

50

60

70

80

90

100

110

Jan 14 Apr 14 Jul 14 Oct 14 Jan 15

0.26

0.27

0.28

0.29

0.30

0.31

0.32

Jan 14 Apr 14 Jul 14 Oct 14 Jan 15

Nymex WTI (USD) RM/USD

23

242424

However, we expect more political stability.

And regional leaders in Southeast Asia and Greater China would stay focused on driving economic growth in 2015.

6.0

2.9

5.0

0.7

6.1 5.9

7.4

2.5

4.5

2.8

5.5

4.0

7.0

6.2

7.0

3.0

Malaysia Singapore Indonesia Thailand Philippines Vietnam China Hong Kong

2013 2014

-1.5% -0.1% +0.5% +3.3% +0.3% +0.9% -0.4% +0.5%

Change in Real GDP Growth

24

252525

Higher dividend payout

• Proposed final dividend of 33 sen per share for 2014, or a

payout of RM3.08 billion.

• Full year net dividend of RM5.27 billion, up 11.9% YoY

22.5 24.0

31.0 33.0

2013 2014

Final

Interim

53.5 57.0

Gross Dividend per Share (sen) Dividend Payout (RM billion)

+11.9%+6.5%

25

4.715.27

2013 2014

262626

TESTOn behalf of the Board, I wish to thank all our stakeholders for the

support given to us in our mission to humanise financial services, and

in our efforts to widen and diversify our scope of financial inclusion in

the various communities we serve.

26

272727 27

THANK YOU

Humanising Financial Services