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Compute ratio analysis on the annual reports for 2019 . Calculate and interpret the result of following ratios (answer should be rounded up to TWO (2) decimal points). Show your working.

i. Liquidity Ratio Current Ratio Acid Test Ratio

Inventory Turnover Ratio

ii. Efficiency Ratio Earnings Per Share Return on Asset Return on Equity

iii. Leverage Ratio Debt Ratio and Interest Cover Ratio

STATEMENTS OF FINANCIAL POSITION a31 December 2019 ELS DO 20.943153 E10135 195 TO 1 AL and fund Dolinpelwith fund lautan Thmalarda rekamana Thadeustadaigdupon lucttanut uuthoughprofitabu Thadmetettavusthroughprofita lou Thaalinen vue through other comprehensive Incom Ihnd Inventat mortados Langsung and finchgtofnndalintitution Lan dvarantand franchg to customi Denta Ralnumara fulandand oth numa recevable Othebus Investmeal properties Salutay depodla with antal binta Investment in Bbisla Inturert nocata und bintvenbra Aperty, plant and equipment Right-of-use amets Intangibles Deferred bxaneta OP DET SIDEZ 20 20738 11. TO BB 512191 092 10,935.829 2002 29,04 472 10250 2 10 11 170 1200 11 14 1 13 027 17302 BYT DOS 17070 1205-30 120-3DIE 27062561 1578 199 EOS 507 320 6, 2:65531 2,100,047 917340 127262 17012 191.167 1912017 S70 17.05.2017 2012 B0J9700 229 13 207 11 ERIDO.003 9906 1949190 262225 2.100,237 11539 11 1 1 HR 2016 AZ 2190922 1,495,425 20 2.490 35790 130201 130,53 722-12 3.15.015 1,014,2015 13624 1135 123 0349 BOG. 991.GET 2016 132 15,613291 4033 163 342.757 617 890) 330.212 20.71510 4209 1 TOSH 21.152307 29,90,917 132997993 292325 691 10 Liabilities Cutti handing Depoulla fram extom er Willxan artament Bad pisementation aslintution obligation inaalaretzel under repackaguman Date abilities Tell luubiliberat fun with approfta bar waczencet sunable imguretauler labilizand other acceptabku Other la bebe Recarx obligation and linen sok toca Hamalautorandakat blog sex liber Tk Saladrulegati 21.335 20.295 032 19. 500,270 30.755 2662 216,302 * 15. GA 1,194 1918 630 21 569 527 226 225 22 2 102 21 154223 99 1263 27953100 1.526.225 1,061 A 115 135425 1025 10 I 412412 125 1 192 1,029 EVEN 2011 16:19 Total liabiliar B 2 Equity attributable to equity holders of the Bank Tre capHai Beelzeit Rex 11 22 293 1903 24 000 2012 7473 VODE 140.06 Non-controllingElezeti 19 27 228 * 265 GEN 40.00327 NO 1125 19 19 ME fetallabumerand hareholder equity Commitent and continguncha Naturtipe tributable to equire the Bank mass srs vies heer || Sheikh 11 INCOME STATEMENTS For the financial year ended 31 December 2019 Group 2019 RM 000 Bank 2013 RM DOO 2018 RM1000 Norg 2013 RM 000 Bogating revue 37 52,242.964 47 319,853 26.906, 145 26.680.896 38 39 Interest Income Interest pense Ner Interest Income Income from Ishmic Banking Scheme opentlans 16.099, 189 18,320,084 7,719,125 17 467,504 (2663.559) 8.803,945 24,108,257 (12.013 249) 12.995.005 5,979,77 18,074 582 6760.618 65(6) 23.193.61 (11 120,765) 12,072,906 5.611.704 17,684,610 5.933.563 779,125 8.803,9245 68.27 1 42 2393,899 4098,618 14,951,027 28.569,195 32.112.198 15.303.089 413 Net eamed insurance premiums Dviends from subsblarles and associates Other op rating ncome Total Qating ncome Ner hsnnce benefits and cats haure.net fee and commission expenses, change n expense llabilities and maation of endalautund Net penting Income Overhead exp on Operating profit before Impalment losses Allowances for impront losses on loans avances, Inancing and other debts, net Writeback of/Gallowances for impaimmt losses on financhilivestments, net Allowances for writabacofinantses on other financhisset, Operating ront Sve of profits in assocates and joint ventures Profit before taxation and zacat axation and zalat Profit for the finandal year 44.907.529) 23,661,66 01.345.692) 12,415,974 0.591356) 15,296,332 5,805,711) 15.303.089 15.020,585) 10-282-504 (185343) 129.821) 461 47 48 07:37 1.318) 24,740.880 (11.561.939) 178,91 (2.287 490) 20,400 56 43 10.855 502 158.713 HO 12.538 231) 8.475.99 3,75) 8,315,383 5,040 148,426 19 76,028 10.901 98.285 10.901.346 25410) B355,936 4 8.415 383 236,983 779300 (1.440,615) 307811 Atributable to: Equity holders of the Bank Non.comtrolling Interests 8-198.074 129300 2307,811 3,113 20 242676 6,35 936 9.475.49 7.779 300 73032811 5 52003 2. 73.5 42 Sanings per stare attributable te holders of the Bank BEST Diluted (son) Net dividends per ordrary share held by equity holders of the Bank in respect of the inancial year (sen) Pald - First Interm Pas Fins for the incalves anded 31 December 2017 ald-thaitor the mancial year onded 31 December 2018 Prog500 - Socond nterim Proposed - Final 25.00 15.00 32.00 53 32.00 39.00 531) 32.00 STATEMENTS OF FINANCIAL POSITION as at 31 December 2019 Group 2019 RMODO Ban 2019 RM DOO 2018 RMODO Note 2013 RMODO 5 19.040,534 28.287.338 11.297036 26.9.45 152 23.410,133 3.763,234 1200) 12010 ASSES shand shorter unds Deposits and placements with fancial Instrutions Firenchalasses purchased underresle agreements Firencalasses designated upon hitbl recognition artar value through prork or loss Firencbilnvesen is attal value through profit or loss Firencil hvesom nis atbal value tiragh other comprehensive Income Fira nchal Invesen ons aamarilsed cost Loans, advances and financing to Mnanchi Institutions Loans, a dvances and inancing to customers DerhatQSSOTS Reinsurance/rentatul assets and other Insurance receivables Otha asets Invesument properties Statutory deposits with canal banks Invesument in subsidiaries Interest hassociates and joint ventures Propety, plant and equpment Righs-of-use 35SRES Intangible 355R15 Deferred tax assers Total 255905 46,469,074 14,093 213 13,639,082 14,323,303 20.370.865 123.351533 34.784476 1,128,618 $12.291092 10.335.629 4.232.089 9.479.084 921471 15,052,752 55.025.127 12.502.877 4,030.245 14,763788 15 205 150 120,913,888 7 069,251 1,576,199 505,507 620 6,963,521 3.800,047 9,873,340 895,769 16.264,849 12,917,823 80,7937 00 32.574,918 19.400,239 207,188,981 10.007.003 RUA SAMAAN ASINS 8,914 167 39,582,837 22,857.000 17,052,024 213,314,768 6,799,063 4,943 190 5:267 285 5,041,560 31,446,456 272,016 1,041,432 2.300 299 2,495,825 4,100,932 31.559,247 40330 1,014,286 438.254 361 1135 2.490,548 2.335.798 1.548. 208 6,836.463 729,712 834 413.015 360.865 30 6,718,327 1.085,549 306,991,681 345,186 456,513,298 464,360 345 142757 617 2155 160.315 2 6500 14 51 354,535 28, 293,032 10.588 278 6.530755 479,682 52.940,747 21.266.302 2029.049 3,507 004 612.967 Llablittles Custom ordfunding - Daposles for customs Investor accounts of customers Deposit and placements from nancial institutions Obligations on financal assets sold undo tourchase agreements Derivatvelables Financial liabilities at fair value UTough profit o los Bills and acceptances payable Insurancetalatul contractibilities and other sus ancepayables Other liabilities Recourse obligation on loans and financing sold to Caga toas Provision for tagation and zaka Deferred tax in belles Borrowing Subordinated obligations Capital securities Total liabilities 5:44.536.912 20.737 670 43.557209 13.979.24 11.187 307 0.530753 1.291,814 30,885.630 21.569.521 26.125 18061 879 41.39429 21 125 297 133 VISO 347191 532,732.623 23,565,062 43,650. 13, 97.993 75.784 3,691,691 1.508,658 25,853, 102 11.738671 1,547, 272 395792 497,955 31.600.191 10.717.00 1941039 729,254421 7952403 2,526 325 17,342,061 1547 72 79.815 285.95 12,645.025 156.816 21,827 123 3940.96.989 23401.160 9,15710 3.531029 39.0 24.031 EN Equity attributable to equlty holders of the Bank Share a plo Reg nad polits Rosavas 85 G 48,2801355 15.223 022 S.560 000 70.063373 46, 442 14401,762 4,420.063 85,589,262 Non-controlling Interests 8290355 18,299 104 50,500989 1.4.14 . BA 20.0 16.-22 2.3 102 2010.127 1407 133 2027169 800.9918 BI9550218 RMS Total allielas and shareholdersfequity Commitments and contingendes Ne azots par stare attributable to equlry holders of the Bank 16.063 L360 346 1.15.439 998 65 689 16 456,613,098 180.779 RM5.944 SA & 23 malamere de teto muneng and resou STATEMENTS OF COMPREHENSIVE INCOME For the fnancial year ended 31 December 2019 Group 2019 RM1000 Brak 2019 RM 1000 2018 RM ODO Note 2018 POMODO Pront for the finandalyear 8,475.69 8,355,936 7279.300 7,307 811 Other comprehensive Income/loss lems that will ask bereclassified subsequendytopgitales: Defined benefit plan acuadalgalan Income tax obtect Net ph/(loss) from change harabeon equity Instrummis ar alue through other comprehensive Income 27000) 30 4,905 337 61 859 (1.426 20,918 26.160 13,149 103,837 (8,304) (8.304) 34,198 34 198 lemther moy bereclasified ads quendy ropot arlos: 2,546,409 2,829,231 390.846 (673,468) 537 091 (433) Net qn(los) on debe riscuments at tal value Tough other comprehenswe ngoma - Net gain (loss, tom change Infalt alue Changes in pected codle losses Income tax effect Nec ga ndoss) on foreign exchange translation Net (lossy gain on ash fic hedge Net gaan onnet resonant hedge Net loss continue hedge Wer ganon apia reserve Share of change in associates reserve (21050) (23.702) 10.364 222) (267.639 1999,837 2,099.557 210,334 (510.049) 120.2461 (58,960 (17.943) B5,150 30 100,337 1 13 1556 2017 (345) (345) 908 (239.822) 2.845.354 05129191 1203) 1979 246 41415 Other comprehensive income/(losfor the inanclal year net of tax Total comprehensive Income for the finandal year 2871.514 121) 6. 1970.947 S50242 75.63 7,383,135 Other comprehensive incomorfoss) for the financial year atributable top Equity holders of the Bank Non containg Interests 120,942 25.604 2812359 52.63 2.871.514 69,371) 1970.922 75.624 Total comprehensive Income for the finandalyear attributable to: Equiy holders of the Bank Non controlling In 35 11013 20.220 147163 470.256 745949 12383.435 142 29 (31 of 276 66.7% CONSOLIDATED STATEMENT OF CHANGES IN EQUITY For the financial year ended 31 December 2019 Attributable to equity holders of the Bank Non-distributable Falr Value Through Other Comprehensive Exchange Share Statutory Regulatory Income Fluctuation Other Capital Reserve Reserve Reserve Reserve ESGP Reserve Reserves (Note 34) (Note 36(2)) (Note 36{b}} (Note 36) (Note 36) (Note 36) (Note 36(0) RM000 RM1000 RM 000 RM 000 RM1000 RM 1000 RM 000 *Retained Total Non Profits Shareholders Controlling Note 35) Equity Interests Total Equity AM 1000 PM RMOCO RM 900 Group 46,747,442 239,009 2,177 290 457,045 113,510 2,526,450 286,316 (339752) 25,985,583 8,198,074 6.103 4,638 75330, 127 8.198,074 2818.869 4.638 (239,822) 526,774 At I January 2019 Profit for the financial year Other comprehensive income Defined benefit plan actuarial gain Share of assortes reserve Net gain on foreign exchange translation Net gain on financial investiments at fair value through other comprehensive income Net gain on net investment hedge Net loss on casa fow hedge Net loss on fir vare hedge Net gain on capital reserve 2,407 133 17.737 260 277,575 8,475,649 52,645 2,87L5IA 604 5,242 (239,822) 10.307 537,081 636 (240,458) 526,774 2,525,814 41513 1556 2,525,814 1556 (433) (345) (433) 2567 327 1556 (433) (345) 908 (345) 687 67 Total comprehensive Income for the financial year 2,526 450 286,316 6 103 8,198 074 11016 943 320.220 11 347 163 (10 344) 10.044 37 195 37 195 37 195 (128,395) 128,395 Net gain or disposal of fnancial investments at fair value through others comprehensive ncome Share based payment under Maybank Group Employees' Share Grand Plan ("ESGP) (Note 340) Effects of changes in corporate structure within the Group Tansler to statutory reserve (Note 366) Tansie to regulatory reserve (Note 36(b)) isere of shares pursuant to Dividend Reinvestmen: Plan ("ORP (Note 340) 1532913 Didendspad Note 53 Total transactions with shareholders other equity movements 1,532.913 At 31 December 2010 49 280 355 40,346 [40.346) 1644.516) 644,516 1532.913 16346 240) 1532913 110.6726.456,912) 16346.240) 40,346 644,516 710344) 37. 195 17.02.758) 12,776139 1239.057 15.015,199) 279355 2771 806 2.973.151 398.826 37 195 333 649) 27.162.899 $1.570,938 2.495 286 84,069,214 * Rezained profis incude dizviluesbicand nu distributable profite arising from Nom Discebury Participation feature Nen Dopusurpaus of an insurance subsidiary. Refer to Note 35 fier farther detail 33 (85 of 270 5096 (0 Zoom out (Ctrl+Minus) STATEMENTS OF CASH FLOWS For the financial year ended 31 December 2019 Group 2010 RM DOO 2018 AM 000 2010 RMA DOO 2018 RMPOOO 11013,880 10,901346 15:33 2748426 (98285) 14001091 160,250 116,073 108.371 401533 76.737 220,814 10,072 15,185 (158,373) 297 231 3894273 247363 1.246 3.BLA 66.353 (6.213) (1.540) (18,001) 159,531 (67.700) (1.163) (70,596) 16.126 (2.205) (1540) (61.117) 8702 281 15.109 (896) 113.470 151) 22193 7 902 (546,907) 403.651 1759 1923) (87.458) (1,212,410) (49) (174.969) 7461 um 13173565 21.056,492) (481 (383,582) (11018) (1377) (352,113) (1.529,320) 359,388 (230,641) 184,163 528,906 (703,731) 29.617 (109,918 19,943) 0.943) 10.573 2.207.387 10,223 Cash flows homoperating actides Prolit before buatlan and zalat Adjusun oras for: Sture of profit in associates and pht vonures (Noce 19) Deprecladon of properypontand equipment (Note 44) Depreciation of right of-useassecs (Note 44) Amortodon of computer software (Note 44) Amortiedon of a stomar relationship (Note 44) Amortisaadon ofagang force (Note 44) Franc COSES on lese llabilldes (Note 44) non disposal ofproperty, plant and equpment (Note 42) non sale and lease ak transaction (Note 42) (Gany loss on disposal of foredosed proper des (Note 47) Ner loss on disposal/liquidation of substbries (Note 42) Net (gainy loss on disposaldange Instrucure or demed controlla seu cured enudes (Note 47 Net (@ny loss an dllulo/liquida don ol hteest assodales (Note 42) Ner (galny loss on disposal of Mandalasetsat hal value through profit or loss (Note 47, Note 65ab) & (id)) Ner (glny loss on disposl of Mancal Investments at olvate Tough other comprehensive Income (Note 42, Note 65ab) & d)) Neph onredemption of Ihanchal livesunisaramortisodc031 (Nora 42) Accretion of discounts, et {Note 38, Note 65ab) /ad)) Unrealised (galny loss on revalie don of filmandalasses at bal value throughprofit or loss and dermans (Note 42, Nore G5) & (20) Urealised lossian) on rmalauonofensa value through prolit or loss (Nore 42. Note 65 (ab) & (d)) Unrestossligan cinlader of las, advanceand handng at lal value through prostor loss (Note 47) Allowances to barment losses on loans, nova ncesand im nchg ng Gloto 45 Allowances for imparment losses on other cobs (Note 46) Wristaci ofsallowances for mennent losses on financial invesun onts, net (Note: 17) Allowances for/twriteback of) imparer les on other Inancial assets.net (Note 43) tends tomasoch tes (Note 41) Duldends from financial livesumontsportblo (Note:47) ESGPSS apenas Note 44) Property, pantand eq. pmentwritten off (Note 44) hangibie asses we off (Note 44) Fak naleadaments invesun ent properties (42) Impalot of property, plant and comment (Note 41) Impalme bonnesmanproperties (Note 44) Oasing profis before working aipal de Chenge nach and short trin Lunds wihorgna maanty of more than three months Clang n cepozitand places with uncal station with origiunauty of more than Tee months Chenex n firancalassats purchasedunder tre agences Changer encallavesonents portlolla Caner loans, advancesand l'handng Change in ohi 35500 Clansas, tory deposit with cental bank denn deposits tomas stomas dienge hivenent counts of customers Clang dead pacentis fom firundhatinettitions Chopoptions on handal assaig sold underrepurchase agreemeng dengan francailabilities ar far value through profiter les Change in bilsand accepancos payable Change h other abilities genetistagabaritsand other in langere Chanesin Insurance voluntatables and other instance payable Buted generated from operatingacties Taxes and load Nerezh (used lny generated from operating activities 10 476BS 24.028) 10:53 2.054 379 12.636 (11997) 3,775 3,848,227) (6.593) 25,762 13,474 1040) (7.393 819) (192) 2126 2269 198,5157 43,290 1113.5140 3,50 2345 1131 2.3 49) 108 2,671 122.281) 2,671 11 68.250 1242.2573 5,852,593 (34,181) 6531,430 1931.456 (941545) 35.95 2010 (8.565.25 17.620.720 (183,334) 1212.00 11 177.19 02.827,3910 203.368 180.751 (1.620.2393 010) 34.516 44B0.858 @3.776.GEET) 06/0310 52021 ( BSEN 31 33490 0903.845 (25.699.918) 0.533.52) 502) 1,685,22 2100,628 0:40,628 12,389,146) 7035 310219 (6169.951) 58,82000 LOV 2012 4354300) ADS men 335.359 (1.586 212) 100030 112852589 13.305 437,198 16,076,986 47.183 2,01 (480N 4.032.53 17.40) 2=2419 158) 126,625 1125425 133,00 1991 21025) 23 3,07115 03.10 10.604209 STATEMENTS OF FINANCIAL POSITION a31 December 2019 ELS DO 20.943153 E10135 195 TO 1 AL and fund Dolinpelwith fund lautan Thmalarda rekamana Thadeustadaigdupon lucttanut uuthoughprofitabu Thadmetettavusthroughprofita lou Thaalinen vue through other comprehensive Incom Ihnd Inventat mortados Langsung and finchgtofnndalintitution Lan dvarantand franchg to customi Denta Ralnumara fulandand oth numa recevable Othebus Investmeal properties Salutay depodla with antal binta Investment in Bbisla Inturert nocata und bintvenbra Aperty, plant and equipment Right-of-use amets Intangibles Deferred bxaneta OP DET SIDEZ 20 20738 11. TO BB 512191 092 10,935.829 2002 29,04 472 10250 2 10 11 170 1200 11 14 1 13 027 17302 BYT DOS 17070 1205-30 120-3DIE 27062561 1578 199 EOS 507 320 6, 2:65531 2,100,047 917340 127262 17012 191.167 1912017 S70 17.05.2017 2012 B0J9700 229 13 207 11 ERIDO.003 9906 1949190 262225 2.100,237 11539 11 1 1 HR 2016 AZ 2190922 1,495,425 20 2.490 35790 130201 130,53 722-12 3.15.015 1,014,2015 13624 1135 123 0349 BOG. 991.GET 2016 132 15,613291 4033 163 342.757 617 890) 330.212 20.71510 4209 1 TOSH 21.152307 29,90,917 132997993 292325 691 10 Liabilities Cutti handing Depoulla fram extom er Willxan artament Bad pisementation aslintution obligation inaalaretzel under repackaguman Date abilities Tell luubiliberat fun with approfta bar waczencet sunable imguretauler labilizand other acceptabku Other la bebe Recarx obligation and linen sok toca Hamalautorandakat blog sex liber Tk Saladrulegati 21.335 20.295 032 19. 500,270 30.755 2662 216,302 * 15. GA 1,194 1918 630 21 569 527 226 225 22 2 102 21 154223 99 1263 27953100 1.526.225 1,061 A 115 135425 1025 10 I 412412 125 1 192 1,029 EVEN 2011 16:19 Total liabiliar B 2 Equity attributable to equity holders of the Bank Tre capHai Beelzeit Rex 11 22 293 1903 24 000 2012 7473 VODE 140.06 Non-controllingElezeti 19 27 228 * 265 GEN 40.00327 NO 1125 19 19 ME fetallabumerand hareholder equity Commitent and continguncha Naturtipe tributable to equire the Bank mass srs vies heer || Sheikh 11 INCOME STATEMENTS For the financial year ended 31 December 2019 Group 2019 RM 000 Bank 2013 RM DOO 2018 RM1000 Norg 2013 RM 000 Bogating revue 37 52,242.964 47 319,853 26.906, 145 26.680.896 38 39 Interest Income Interest pense Ner Interest Income Income from Ishmic Banking Scheme opentlans 16.099, 189 18,320,084 7,719,125 17 467,504 (2663.559) 8.803,945 24,108,257 (12.013 249) 12.995.005 5,979,77 18,074 582 6760.618 65(6) 23.193.61 (11 120,765) 12,072,906 5.611.704 17,684,610 5.933.563 779,125 8.803,9245 68.27 1 42 2393,899 4098,618 14,951,027 28.569,195 32.112.198 15.303.089 413 Net eamed insurance premiums Dviends from subsblarles and associates Other op rating ncome Total Qating ncome Ner hsnnce benefits and cats haure.net fee and commission expenses, change n expense llabilities and maation of endalautund Net penting Income Overhead exp on Operating profit before Impalment losses Allowances for impront losses on loans avances, Inancing and other debts, net Writeback of/Gallowances for impaimmt losses on financhilivestments, net Allowances for writabacofinantses on other financhisset, Operating ront Sve of profits in assocates and joint ventures Profit before taxation and zacat axation and zalat Profit for the finandal year 44.907.529) 23,661,66 01.345.692) 12,415,974 0.591356) 15,296,332 5,805,711) 15.303.089 15.020,585) 10-282-504 (185343) 129.821) 461 47 48 07:37 1.318) 24,740.880 (11.561.939) 178,91 (2.287 490) 20,400 56 43 10.855 502 158.713 HO 12.538 231) 8.475.99 3,75) 8,315,383 5,040 148,426 19 76,028 10.901 98.285 10.901.346 25410) B355,936 4 8.415 383 236,983 779300 (1.440,615) 307811 Atributable to: Equity holders of the Bank Non.comtrolling Interests 8-198.074 129300 2307,811 3,113 20 242676 6,35 936 9.475.49 7.779 300 73032811 5 52003 2. 73.5 42 Sanings per stare attributable te holders of the Bank BEST Diluted (son) Net dividends per ordrary share held by equity holders of the Bank in respect of the inancial year (sen) Pald - First Interm Pas Fins for the incalves anded 31 December 2017 ald-thaitor the mancial year onded 31 December 2018 Prog500 - Socond nterim Proposed - Final 25.00 15.00 32.00 53 32.00 39.00 531) 32.00 STATEMENTS OF FINANCIAL POSITION as at 31 December 2019 Group 2019 RMODO Ban 2019 RM DOO 2018 RMODO Note 2013 RMODO 5 19.040,534 28.287.338 11.297036 26.9.45 152 23.410,133 3.763,234 1200) 12010 ASSES shand shorter unds Deposits and placements with fancial Instrutions Firenchalasses purchased underresle agreements Firencalasses designated upon hitbl recognition artar value through prork or loss Firencbilnvesen is attal value through profit or loss Firencil hvesom nis atbal value tiragh other comprehensive Income Fira nchal Invesen ons aamarilsed cost Loans, advances and financing to Mnanchi Institutions Loans, a dvances and inancing to customers DerhatQSSOTS Reinsurance/rentatul assets and other Insurance receivables Otha asets Invesument properties Statutory deposits with canal banks Invesument in subsidiaries Interest hassociates and joint ventures Propety, plant and equpment Righs-of-use 35SRES Intangible 355R15 Deferred tax assers Total 255905 46,469,074 14,093 213 13,639,082 14,323,303 20.370.865 123.351533 34.784476 1,128,618 $12.291092 10.335.629 4.232.089 9.479.084 921471 15,052,752 55.025.127 12.502.877 4,030.245 14,763788 15 205 150 120,913,888 7 069,251 1,576,199 505,507 620 6,963,521 3.800,047 9,873,340 895,769 16.264,849 12,917,823 80,7937 00 32.574,918 19.400,239 207,188,981 10.007.003 RUA SAMAAN ASINS 8,914 167 39,582,837 22,857.000 17,052,024 213,314,768 6,799,063 4,943 190 5:267 285 5,041,560 31,446,456 272,016 1,041,432 2.300 299 2,495,825 4,100,932 31.559,247 40330 1,014,286 438.254 361 1135 2.490,548 2.335.798 1.548. 208 6,836.463 729,712 834 413.015 360.865 30 6,718,327 1.085,549 306,991,681 345,186 456,513,298 464,360 345 142757 617 2155 160.315 2 6500 14 51 354,535 28, 293,032 10.588 278 6.530755 479,682 52.940,747 21.266.302 2029.049 3,507 004 612.967 Llablittles Custom ordfunding - Daposles for customs Investor accounts of customers Deposit and placements from nancial institutions Obligations on financal assets sold undo tourchase agreements Derivatvelables Financial liabilities at fair value UTough profit o los Bills and acceptances payable Insurancetalatul contractibilities and other sus ancepayables Other liabilities Recourse obligation on loans and financing sold to Caga toas Provision for tagation and zaka Deferred tax in belles Borrowing Subordinated obligations Capital securities Total liabilities 5:44.536.912 20.737 670 43.557209 13.979.24 11.187 307 0.530753 1.291,814 30,885.630 21.569.521 26.125 18061 879 41.39429 21 125 297 133 VISO 347191 532,732.623 23,565,062 43,650. 13, 97.993 75.784 3,691,691 1.508,658 25,853, 102 11.738671 1,547, 272 395792 497,955 31.600.191 10.717.00 1941039 729,254421 7952403 2,526 325 17,342,061 1547 72 79.815 285.95 12,645.025 156.816 21,827 123 3940.96.989 23401.160 9,15710 3.531029 39.0 24.031 EN Equity attributable to equlty holders of the Bank Share a plo Reg nad polits Rosavas 85 G 48,2801355 15.223 022 S.560 000 70.063373 46, 442 14401,762 4,420.063 85,589,262 Non-controlling Interests 8290355 18,299 104 50,500989 1.4.14 . BA 20.0 16.-22 2.3 102 2010.127 1407 133 2027169 800.9918 BI9550218 RMS Total allielas and shareholdersfequity Commitments and contingendes Ne azots par stare attributable to equlry holders of the Bank 16.063 L360 346 1.15.439 998 65 689 16 456,613,098 180.779 RM5.944 SA & 23 malamere de teto muneng and resou STATEMENTS OF COMPREHENSIVE INCOME For the fnancial year ended 31 December 2019 Group 2019 RM1000 Brak 2019 RM 1000 2018 RM ODO Note 2018 POMODO Pront for the finandalyear 8,475.69 8,355,936 7279.300 7,307 811 Other comprehensive Income/loss lems that will ask bereclassified subsequendytopgitales: Defined benefit plan acuadalgalan Income tax obtect Net ph/(loss) from change harabeon equity Instrummis ar alue through other comprehensive Income 27000) 30 4,905 337 61 859 (1.426 20,918 26.160 13,149 103,837 (8,304) (8.304) 34,198 34 198 lemther moy bereclasified ads quendy ropot arlos: 2,546,409 2,829,231 390.846 (673,468) 537 091 (433) Net qn(los) on debe riscuments at tal value Tough other comprehenswe ngoma - Net gain (loss, tom change Infalt alue Changes in pected codle losses Income tax effect Nec ga ndoss) on foreign exchange translation Net (lossy gain on ash fic hedge Net gaan onnet resonant hedge Net loss continue hedge Wer ganon apia reserve Share of change in associates reserve (21050) (23.702) 10.364 222) (267.639 1999,837 2,099.557 210,334 (510.049) 120.2461 (58,960 (17.943) B5,150 30 100,337 1 13 1556 2017 (345) (345) 908 (239.822) 2.845.354 05129191 1203) 1979 246 41415 Other comprehensive income/(losfor the inanclal year net of tax Total comprehensive Income for the finandal year 2871.514 121) 6. 1970.947 S50242 75.63 7,383,135 Other comprehensive incomorfoss) for the financial year atributable top Equity holders of the Bank Non containg Interests 120,942 25.604 2812359 52.63 2.871.514 69,371) 1970.922 75.624 Total comprehensive Income for the finandalyear attributable to: Equiy holders of the Bank Non controlling In 35 11013 20.220 147163 470.256 745949 12383.435 142 29 (31 of 276 66.7% CONSOLIDATED STATEMENT OF CHANGES IN EQUITY For the financial year ended 31 December 2019 Attributable to equity holders of the Bank Non-distributable Falr Value Through Other Comprehensive Exchange Share Statutory Regulatory Income Fluctuation Other Capital Reserve Reserve Reserve Reserve ESGP Reserve Reserves (Note 34) (Note 36(2)) (Note 36{b}} (Note 36) (Note 36) (Note 36) (Note 36(0) RM000 RM1000 RM 000 RM 000 RM1000 RM 1000 RM 000 *Retained Total Non Profits Shareholders Controlling Note 35) Equity Interests Total Equity AM 1000 PM RMOCO RM 900 Group 46,747,442 239,009 2,177 290 457,045 113,510 2,526,450 286,316 (339752) 25,985,583 8,198,074 6.103 4,638 75330, 127 8.198,074 2818.869 4.638 (239,822) 526,774 At I January 2019 Profit for the financial year Other comprehensive income Defined benefit plan actuarial gain Share of assortes reserve Net gain on foreign exchange translation Net gain on financial investiments at fair value through other comprehensive income Net gain on net investment hedge Net loss on casa fow hedge Net loss on fir vare hedge Net gain on capital reserve 2,407 133 17.737 260 277,575 8,475,649 52,645 2,87L5IA 604 5,242 (239,822) 10.307 537,081 636 (240,458) 526,774 2,525,814 41513 1556 2,525,814 1556 (433) (345) (433) 2567 327 1556 (433) (345) 908 (345) 687 67 Total comprehensive Income for the financial year 2,526 450 286,316 6 103 8,198 074 11016 943 320.220 11 347 163 (10 344) 10.044 37 195 37 195 37 195 (128,395) 128,395 Net gain or disposal of fnancial investments at fair value through others comprehensive ncome Share based payment under Maybank Group Employees' Share Grand Plan ("ESGP) (Note 340) Effects of changes in corporate structure within the Group Tansler to statutory reserve (Note 366) Tansie to regulatory reserve (Note 36(b)) isere of shares pursuant to Dividend Reinvestmen: Plan ("ORP (Note 340) 1532913 Didendspad Note 53 Total transactions with shareholders other equity movements 1,532.913 At 31 December 2010 49 280 355 40,346 [40.346) 1644.516) 644,516 1532.913 16346 240) 1532913 110.6726.456,912) 16346.240) 40,346 644,516 710344) 37. 195 17.02.758) 12,776139 1239.057 15.015,199) 279355 2771 806 2.973.151 398.826 37 195 333 649) 27.162.899 $1.570,938 2.495 286 84,069,214 * Rezained profis incude dizviluesbicand nu distributable profite arising from Nom Discebury Participation feature Nen Dopusurpaus of an insurance subsidiary. Refer to Note 35 fier farther detail 33 (85 of 270 5096 (0 Zoom out (Ctrl+Minus) STATEMENTS OF CASH FLOWS For the financial year ended 31 December 2019 Group 2010 RM DOO 2018 AM 000 2010 RMA DOO 2018 RMPOOO 11013,880 10,901346 15:33 2748426 (98285) 14001091 160,250 116,073 108.371 401533 76.737 220,814 10,072 15,185 (158,373) 297 231 3894273 247363 1.246 3.BLA 66.353 (6.213) (1.540) (18,001) 159,531 (67.700) (1.163) (70,596) 16.126 (2.205) (1540) (61.117) 8702 281 15.109 (896) 113.470 151) 22193 7 902 (546,907) 403.651 1759 1923) (87.458) (1,212,410) (49) (174.969) 7461 um 13173565 21.056,492) (481 (383,582) (11018) (1377) (352,113) (1.529,320) 359,388 (230,641) 184,163 528,906 (703,731) 29.617 (109,918 19,943) 0.943) 10.573 2.207.387 10,223 Cash flows homoperating actides Prolit before buatlan and zalat Adjusun oras for: Sture of profit in associates and pht vonures (Noce 19) Deprecladon of properypontand equipment (Note 44) Depreciation of right of-useassecs (Note 44) Amortodon of computer software (Note 44) Amortiedon of a stomar relationship (Note 44) Amortisaadon ofagang force (Note 44) Franc COSES on lese llabilldes (Note 44) non disposal ofproperty, plant and equpment (Note 42) non sale and lease ak transaction (Note 42) (Gany loss on disposal of foredosed proper des (Note 47) Ner loss on disposal/liquidation of substbries (Note 42) Net (gainy loss on disposaldange Instrucure or demed controlla seu cured enudes (Note 47 Net (@ny loss an dllulo/liquida don ol hteest assodales (Note 42) Ner (galny loss on disposal of Mandalasetsat hal value through profit or loss (Note 47, Note 65ab) & (id)) Ner (glny loss on disposl of Mancal Investments at olvate Tough other comprehensive Income (Note 42, Note 65ab) & d)) Neph onredemption of Ihanchal livesunisaramortisodc031 (Nora 42) Accretion of discounts, et {Note 38, Note 65ab) /ad)) Unrealised (galny loss on revalie don of filmandalasses at bal value throughprofit or loss and dermans (Note 42, Nore G5) & (20) Urealised lossian) on rmalauonofensa value through prolit or loss (Nore 42. Note 65 (ab) & (d)) Unrestossligan cinlader of las, advanceand handng at lal value through prostor loss (Note 47) Allowances to barment losses on loans, nova ncesand im nchg ng Gloto 45 Allowances for imparment losses on other cobs (Note 46) Wristaci ofsallowances for mennent losses on financial invesun onts, net (Note: 17) Allowances for/twriteback of) imparer les on other Inancial assets.net (Note 43) tends tomasoch tes (Note 41) Duldends from financial livesumontsportblo (Note:47) ESGPSS apenas Note 44) Property, pantand eq. pmentwritten off (Note 44) hangibie asses we off (Note 44) Fak naleadaments invesun ent properties (42) Impalot of property, plant and comment (Note 41) Impalme bonnesmanproperties (Note 44) Oasing profis before working aipal de Chenge nach and short trin Lunds wihorgna maanty of more than three months Clang n cepozitand places with uncal station with origiunauty of more than Tee months Chenex n firancalassats purchasedunder tre agences Changer encallavesonents portlolla Caner loans, advancesand l'handng Change in ohi 35500 Clansas, tory deposit with cental bank denn deposits tomas stomas dienge hivenent counts of customers Clang dead pacentis fom firundhatinettitions Chopoptions on handal assaig sold underrepurchase agreemeng dengan francailabilities ar far value through profiter les Change in bilsand accepancos payable Change h other abilities genetistagabaritsand other in langere Chanesin Insurance voluntatables and other instance payable Buted generated from operatingacties Taxes and load Nerezh (used lny generated from operating activities 10 476BS 24.028) 10:53 2.054 379 12.636 (11997) 3,775 3,848,227) (6.593) 25,762 13,474 1040) (7.393 819) (192) 2126 2269 198,5157 43,290 1113.5140 3,50 2345 1131 2.3 49) 108 2,671 122.281) 2,671 11 68.250 1242.2573 5,852,593 (34,181) 6531,430 1931.456 (941545) 35.95 2010 (8.565.25 17.620.720 (183,334) 1212.00 11 177.19 02.827,3910 203.368 180.751 (1.620.2393 010) 34.516 44B0.858 @3.776.GEET) 06/0310 52021 ( BSEN 31 33490 0903.845 (25.699.918) 0.533.52) 502) 1,685,22 2100,628 0:40,628 12,389,146) 7035 310219 (6169.951) 58,82000 LOV 2012 4354300) ADS men 335.359 (1.586 212) 100030 112852589 13.305 437,198 16,076,986 47.183 2,01 (480N 4.032.53 17.40) 2=2419 158) 126,625 1125425 133,00 1991 21025) 23 3,07115 03.10 10.604209