Key things you need to know on confidence, media consumption, key behavioural, tech, e-wallet & esports trends in Malaysia. www.oppotus.com

1. 1
MALAYSIANS ON MALAYSIA
3Q 2 0 1 9
ESSEN TIAL IN SIGH TS IN TO C ON FID EN C E, MED IA TR U ST,
BEH AVIOU R AL, TEC H & ESPORT TR EN D S IN MALAYSIA

2. 2
WELCOME TO
MALAYSIANS
ON MALAYSIA
OVERALL DECLINE IN
CONSUMER CONFIDENCE
Coming into the third quarter of 2019,
our Malaysians on Malaysia study is
set to understand the trend and
sentiments that has happened thus far
during 2019. Since its inception in
early 2018, this study has steadily
reported on insights and sentiments
amongst Malaysians.
Although retaining a high score, the
confidence index of Malaysians in this
quarter has recorded a contraction.
Generally, this is reflected in
consumer sentiments across all
indicators.
GLOBAL ECONOMY SEES
GRADUAL DECLINE
Malaysian’s confidence levels have
declined tremendously, especially
compared to 2Q2018. With the
continuous severity of the US-China
Trade war and the perpetual global
economic uncertainty, Malaysia will
have to rely strongly on the prosperity
of our domestic market to ensure
economic growth continues.
In this round, we continue to cover
interesting topics like tech trends, e-
wallet usage and other interesting
stats.
If you like to dig deeper into the
numbers, please do reach out to us on
theteam@oppotus.com
MALAYSIANS REMAIN
OPTIMISTIC
Malaysians seem to be slightly
concerned about their current financial
well-being – as seen in their decline in
index scores. However, they remain
hopeful for the up-coming year.

3. 4
o While it was recorded that Malaysia’s economy
expanded by 4.9% year-on-year in 2Q2019, the
overall index has declined slightly from last quarter
o The lack of confidence in the country’s current
economic state (where the index is recorded at its
lowest – below the 100 point mark) contributes
significantly to the overall MYCI. Considering the
current economic climate, factors such as the US –
China trade war, uncertainty within the global
financial market and volatility of the Ringgit, would
have greatly impacted consumer confidence.
o All-in-all, Malaysians’ seem relatively optimistic, as
their overall confidence index remains strong –
17pts above the 100-point threshold.
100
MALAYSIA CONFIDENCE INDEX (MYCI)
118
109 111 110
125
117
Q2'18 Q3'18 Q4'18 Q1'19 Q2'19 Q3'19
Q3’18 Q4’18 Q1’19Q2’18 Q2’19 Q3’19
Source: Oppotus 3Q2019

4. 5
MALAYSIA CONFIDENCE INDEX (MYCI) COMPONENTS
o The decline in optimism in our current
economic state is reflected in the drop in
confidence in the state of the economy over
the next 12 months.
o Inline with global economic conditions,
consumers are also less optimistic in
regards to their current financial well-being
(a drop of 13 points is seen in the index
score) compared to Q22019, where
Malaysians were their most confident.
o Notably, consumers’ confidence for major
purchases sees its first dip since Q2 last
year. Despite all this, consumers still seem
relatively positive that the country’s economy
will soon pick up.
126
142
67
93
161
106
140
78
95
125
113
129
90
105
115
133 136
90 91
98
152 149
99
109
119
139
155
93
98 100
0
50
100
150
200
Current state of financial
well-being
Well-being next 12mths Good time for major
purchases
State of economy now vs.
last year
State of economy next
12mths
Q3’18 Q4’18 Q1’19Q2’18 Q2’19 Q3’19
Source: Oppotus 3Q2019

5. 6
128
106
113
133
152
139
CURRENT FINANCIAL WELL-BEING
100
o Although the confidence index for
consumer’s current financial well-being
has dropped since last quarter, the
score remains high suggesting that
Malaysians at large are still quite
comfortable with where they are.
Current financial well-being
o Johor Bahru is the only state that has
seen an increase in confidence since
last quarter.
o The slight decline is represented amongst
all income brackets, with the biggest
contraction coming from the higher income
groups.
RM4,501 –
RM6,000
RM6,001 –
RM8,000
> RM8,000
105
100
106
108
125
130
108
103
123
104
112
124
139
159
165
136
128
140 137
167
135
137
146
135
0
50
100
150
200
Q2'18 Q3'18 Q4'18 Q1'19 Q2'19 Q3'19
Klang Valley Penang JB Kuantan
Q3’18 Q4’18 Q1’19Q2’18 Q2’19 Q3’19
134
135
148
Source: Oppotus 3Q2019

6. 7
OUTLOOK ON FINANCIAL WELL-BEING NEXT 12 MONTHS
146 140
129
136
149
155
100
o Despite the decline in index scores for
Malaysian’s current financial well-being,
consumers remain hopeful that their
financial welfare will see improvements
in the upcoming months.
Financial well-being next 12-months
o Kuantan still remains the most optimistic
region with Penang and Johor Bahru trailing
behind. The East Coast Economic Region
(ECER) has been a major boost not only to
Pahang’s economy but also introduces new
jobs opportunities and as such boost their
confidence level that they will be potentially
better off in the coming months.
o Confidence levels show slight
improvements amongst all income brackets,
especially those in the >RM8,000.
RM4,501 –
RM6,000
RM6,001 –
RM8,000
> RM8,000
121
129
153
134
149
149
128
119
146
135
130
142
147
149
151
146 142 143 140 142
140
162
162
166
0
50
100
150
200
Q2'18 Q3'18 Q4'18 Q1'19 Q2'19 Q3'19
Klang Valley Penang JB Kuantan
Q3’18 Q4’18 Q1’19Q2’18 Q2’19 Q3’19
149
157
160
Source: Oppotus 3Q2019

7. 8
114
92
108
101
98
102
113
91
97
72
92
51
SPEND ON MAJOR PURCHASES
67
78
90 90
99 93100
o Looking into spending on major
purchases, the index score has seen a
dip, for the first time since Q22018.
o Inline with the economic and current
fiscal outlook, consumers are being
more wary on their spending.
Spend on major purchases
o Given our current gradual increase in
inflation and the growing high costs of living;
this trend is affected the low-mid income
more compared to higher income where
they remain positive with their spending
compared to the low-mid income group.
RM4,501 –
RM6,000
RM6,001 –
RM8,000
> RM8,000
74
76
75
56
64
97
85
86
106
88
105
121
75
104
109
PMEB
NON
PMEB
o … which has also affected the Non
PMEB’s willingness to purchase. Their
spending on major purchases has
dropped below the 100-point mark for the
first time this year.
100
Q3’18 Q4’18 Q1’19Q2’18 Q2’19 Q3’19
79
76
126
Source: Oppotus 3Q2019

8. 9
CURRENT STATE OF ECONOMY
93 95
105
91
109
98
100
o There has always been slight
fluctuations in confidence with regards
to the country’s current economic state.
A decline of 11-pts has caused the
index scores to slump below the 100-
point mark.
Current state of economy
o Despite the overall decline, consumers in
Klang Valley remain confident with the current
state of the economy. Sentiments remain
positive given the various mega projects such
as LRT 3, MRT 2 and Klang Double Track
Phase 2.
o Slight decline is seen from both PMEB
and Non-PMEBs, with PMEB’s
confidence dropping below 100-points.
94
105
107
109
95
71
130
92
104
93
108
84
PMEB
NON
PMEB
100
85
106
93 95
129
116
99
84
82
0
50
100
150
200
Q2'18 Q3'18 Q4'18 Q1'19 Q2'19 Q3'19
Klang Valley Penang JB Kuantan
Q3’18 Q4’18 Q1’19Q2’18 Q2’19 Q3’19
Source: Oppotus 3Q2019

9. 1 0
STATE OF ECONOMY NEXT 12 MONTHS
161
125
115
98
119
100
100
o Malaysian’s seem to be less optimistic
about the state of the economy in the
next year, compared to last quarter.
Current state of economy
o … and is affecting PMEB in particular,
where their confidence index is below
100-points.
RM4,501 –
RM6,000
RM6,001 –
RM8,000
> RM8,000
138
101
109
150
175
169
113
102
122
90
102
114
104
102
118
97
104
126
116
97
88
136
104
143
119
170
158
PMEB
NON
PMEB
100
Q3’18 Q4’18 Q1’19Q2’18 Q2’19 Q3’19
96
98
106
Source: Oppotus 3Q2019
o Drop in confidence is also seen across
all income groups, in particular from the
higher income group (12 points drop vs
about 6-points drop for low-mid income
group).

10. 1 1
NOTABLE ACTIVITIES PAST 3 MONTHS
Online activities, %
NANA
21
39 3635
14
29
16 14 1010
Making online purchases
from e-commerce sites
(e.g. Lazada, Shopee)
Purchased
insurance products
online (e.g. car, fire,
etc.)
11
22 14 9 8 10
Apply for banking
products online (e.g.
credit card, loans,
etc.)
Travel, %
29
40
26
48 4746
15 18 11 15 1817
Domestic travel
(within Malaysia)
International travel
(outside Malaysia)
Eating OOH, %
46 57
32 26
6166 40
61
30
56
22
38
Purchase meal
takeaway from
convenience
stores/petrol marts
Having a meal at
convenience
stores/petrol
marts
12
21 20 17 1315
Used wearables
(e.g smart watch,
smart shoes,
health, etc.)
Wearables, %
NA
12
22 15 2227
Making payments
through e-wallet
(digital wallet)
E-wallet, %
Q3’18 Q4’18 Q1’19Q2’18 Q2’19 Q3’19
Source: Oppotus 3Q2019

11. 1 2
ENTRY OF EACH E-WALLET IN MALAYSIA
JAN SEPT APR
2018
NOV DEC JAN MAR APR JULY AUGMAY
2017 2018
NOVAPR MAR FEB JAN DEC
OCT
2019
AUG JULY JUNE MAYSEPT
Source: Oppotus 3Q2019

12. 1 3
E-WALLET USAGE
12%
22%
15%
22%
27%
3Q18 4Q18 1Q19 2Q19 3Q19
Used e-wallet in last 3 months? How many e-wallets does
each person use?
1.9
2.6
4Q18 AVE
1Q19 AVE
e e e
e e e
3.32Q19 AVE e e e e
Source: Oppotus 3Q2019
+5%
2.63Q19 AVE e e e

13. 1 4
E-WALLET USAGE
66
41
40
26
23
21
13
74
42
35
18
15
55
20
56
30
27
17
26
29
22
Q1’19 Q2’19 Q3’19
15
4
3
2
1
1
14
25
4
3
6
1
17
16
3
5
1
1
Source: Oppotus 3Q2019
% %

14. 1 5
F&B
Bill payment
Groceries
Movie Tickets
Reload
Hotel
Transportation
Convenience stores
Petrol
Gaming
%
62
59
33
30
30
24
22
17
13
13
11
4
66
66
42
24
34
19
28
14
9
15
19
13
48
51
44
9
34
38
19
9
4
14
23
9
Q1’19 Q2’19 Q3’19
WHERE ARE E-WALLETS BEING USED?
Source: Oppotus 3Q2019
Delivery
Flight Tickets

15. 1 6
4
51 53
59
39
44
59
2Q18 3Q18 4Q18 1Q19 2Q19 3Q19
8
56 54 57
39
53
70
2Q18 3Q18 4Q18 1Q19 2Q19 3Q19
12
61
68
60
73
85
3Q18 4Q18 1Q19 2Q19 3Q19
6
41 40
56
27
42
56
2Q18 3Q18 4Q18 1Q19 2Q19 3Q19
3
50 51 47
27
44
51
2Q18 3Q18 4Q18 1Q19 2Q19 3Q19
TECH TRENDS
5
75
64
51
56 57
66
0
25
50
75
100
2Q18 3Q18 4Q18 1Q19 2Q19 3Q19
Cryptocurrency
(e.g. Bitcoin, Ethereum, etc.)
FinTech EsportsBlockchain
%
9
60
66 63 61 61
69
0
25
50
75
100
2Q18 3Q18 4Q18 1Q19 2Q19 3Q19
Virtual Reality (VR) Artificial Intelligence (AI) Augmented Reality (AR)
%
Source: Oppotus 3Q2019

16. 1 7
CRYPTOCURRENCY OWNERSHIP
35
28
22
30
23
3Q18 4Q18 1Q19 2Q19 3Q19
Own any
cryptocurrency?
16
11
5
3
0
2
3
2
21
12
5
4
3
2
2
0
11
9
2
2
2
3
2
1
Bitcoin
Litecoin
Ethereum
Bitcoin
cash
Ripple
Dash
NEO
NEM
%
-7%
%
Source: Oppotus 3Q2019
Q1’19 Q2’19 Q3’19

17. 1 8
36
21
30
13
25
29
22
25
50
50
55
36
9
46
54
60
21
19
ESPORTS ATTENDANCE TRENDS AND PROFILE
12
27
13
15
13
3Q18 4Q18 1Q19 2Q19 3Q19
Have physically
ever been to an
Esports event?
Klang Valley
Penang
Johor Bahru
Kuantan
18-24 years old
25-34 years old
35-44 years old
45 years old & above
Male
Female
Malay
Chinese
Indian
PMEB
Non-PMEB
RM4,500-RM7,000
RM7,001-RM9,000
RM9,001 and above
LOCATION
AGE
GENDER
RACE
MHI
WORKING
STATUS
Source: Oppotus 3Q2019
30
22
33
15
48
32
13
7
70
30
55
36
9
48
52
58
21
21
E-SPORTS
ATTENDEES
AVE.
28.2 YO
AVE.
RM7484.82
%
%
TOTAL
AVE.
34.6 YO
AVE.
RM7,444.31
%

18. 1 9
POPULATION OVERVIEW
COVERAGE
AGED 18+
KEY CITIES
URBAN
MTH INCOME
MYR 4500+
• 35% Klang Valley
• 29% Johor Bahru
• 21% Penang
• 15% Kuantan
• 25% 18-24 YO
• 49% 25-45 YO
• 27% 45 YO & above
• 56% Malay
• 35% Chinese
• 9% Indian
• 50% Male
• 50% Female
• 43% MYR 4,501-6,000
• 28% MYR 6,001-8,000
• 15% MYR 8,001-10,000
• 13% MYR 10,001 & above
TOTAL
MALAYSIAN
POP
32.6
MILLION
REPRESENTABLE
POP
9.7MILLION
AGE RACE GENDER MHI

19. 2 0
OPPOTUS RESEARCH GROUP SDN BHD
Level 27 Penthouse, Centrepoint North
Mid Valley City, 59200 Kuala Lumpur, Malaysia
www.oppotus.com
theteam@oppotus.com