This document provides an executive summary and financial results for 1QFY2016: - Strong deposit and loan growth of 10.8% and 12.7% respectively due to strong SME franchise and consumer banking. Asset quality remains high with low impaired loan ratios. - Net profit grew 30.7% quarter-on-quarter due to higher net interest and non-interest income, though lower than previous year due to normalizing credit costs. - Key priorities for FY2016 include improving risk-adjusted returns, growing deposits faster than loans, and increasing fee-based income.

1. ANALYST BRIEFING
1QFY2016
18 August 2015
in Asia Pacific, Gulf Region & Africa

2. Executive Summary
Contents
1
Financial Results for 1QFY20162
Appendices3

3. 2
Executive Summary
Strong SME Franchise, Deposit Base and Healthy Balance Sheet
Strengths
 Strong Deposit growth: +10.8% y-o-y (Industry: +7.3%), with stable
CASA ratio at 34.5%
 Strong franchise in SME segment: +21.4% y-o-y loans growth
 Excellent asset quality: Gross Impaired Loans ratio at 1.0% (Industry:
1.6%). Loan loss coverage at 105.4%
 Improvement in Net Interest Margin q-o-q despite intense competition
 Improvement in wealth management income: +17.9% q-o-q
 Rising cost of funds
 Slower economic growth, impacting client activities and revenues
(trade finance, brokerage etc.)
 Further optimize loans and deposit mix
 Build on SME strength
 Accelerate Wealth Management business
Key Opportunities
Note: Financial Year end is 31 March 2015; Industry data
Key Challenges

4. 3
Improvement in
Risk Adjusted
Returns
1
Deposit Growth >
Loans Growth
2
Client Based Fee
Income
3
 Improve Risk Adjusted Returns* by focusing on higher return loans:
• SME and Commercial Banking
• Personal loans, credit cards and share margin financing for our
business partners and their clients and staff
 Improve balance sheet efficiency by growing:
• Deposits economically (improve CASA ratio)
• Deposits faster than loans
 Grow fee income as % of total revenue
• Trade finance, FX and brokerage in Business Banking
• Wealth management, bancassurance and brokerage in Consumer
Banking
FY2016: Key Priorities
FY2016: Key Priorities to Deliver Sustainable and Profitable Growth
Note: Risk Adjusted Return: Net Interest Margin less (Direct Variable Cost + Business as Usual Credit Cost) ÷ Average Loan Balance

5. 1QFY2016:
Income Statement
Net Profit After Taxation Up 30.7% Q-o-Q Despite Challenging Market Environment
4
Income Statement
1QFY16
RM mil
1QFY15
RM mil
Y-o-Y Change
Better /(Worse) 4QFY15
RM mil
Q-o-Q Change
Better/(Worse)
RM mil % RM mil %
Net Interest Income 207.8 199.8 8.0 4.0% 186.1 21.7 11.6%
Islamic Banking Income 58.6 53.7 4.9 9.1% 58.2 0.4 0.7%
Non-Interest Income 78.0 83.2 (5.2) (6.3%) 61.7 16.3 26.4%
Net Income 344.3 336.7 7.6 2.3% 306.0 38.3 12.5%
Operating Expenses 167.4 161.7 (5.7) (3.5%) 165.5 (1.9) (1.1%)
Pre-Provision Operating
Profit
177.0 175.1 1.9 1.1% 140.6 36.4 25.9%
Allowance/ (Write back)
for losses on loans &
financing and other
losses
16.4 1.8 (14.6) >100% 16.0 (0.4) 2.5%
Pre-tax profit 160.7 173.3 (12.6) (7.3%) 124.6 36.1 28.9%
Net Profit After Tax
(“NPAT”)
121.9 130.8 (8.9) (6.8%) 93.3 28.6 30.7%
Q-o-Q:
 Normalised NPAT growth
of 13.8% after one-off
adjustment
 NIM: + 1bps (+9 bps GIM
and 8 bps increase in
cost of funds)
Y-o-Y:
 Pre-provision profit up
1.1%
 Lower NPAT of 6.8% due
to normalisation of credit
cost.
 Annualized credit cost,
including recoveries, at ~
18.4 bps in 1QFY2016 vs
2.1 bps in 1Q FY2015.
Note: 4Q FY2015 RM18.4 million one off adjustment for income recognition for balance transfer for credit cards from upfront to amortiization

6. Strategy Execution 1Q FY16 Results
Improve Risk
Adjusted
Returns (RAR)
1. Shifted
production
volume to
focus on
higher risk
adjusted
return
assets
5
Executive Summary –
Strategy & Execution
A
Strategy & Execution (Q1 FY16) – Key Updates
Annualized Growth
Q-o-Q Growth
Q1 FY16
(Annualized)
Y-o-Y Growth
Q1 FY16
Mortgage, Hire Purchase, Shophouse
Financing, Corporate 3.8% 13.8%
SME, Commercial, Personal Loans,
Credit Cards, Share Margin Financing 7.1% 11.8 %
Gross Interest Margin
 Mortgage, Hire Purchase, Shophouse Financing, Corporate: 4.4%
 SME, Commercial, Personal Loans, Credit Cards, Share Margin
Financing: 5.6%
Risk Adjusted Return (RAR)
 Mortgage, Hire Purchase, Shophouse Financing, Corporate: 0.4%
 SME, Commercial, Personal Loans, Credit Cards, Share Margin
Financing: 1.9%

7. Strategy Execution 1Q FY16 Results
Improve Risk
Adjusted
Returns (RAR)
2. Implemented better
discipline for loans
portfolio returns
6
Executive Summary –
Strategy & Execution
A
Strategy & Execution (Q1 FY16) – Key Updates
 As a result of focus on RAR:
 Gross Interest Margin (“GIM”) is up 9 bps Q-o-Q and
managed to neutralize the 8 bps higher cost of funds
 Net Interest Margin (“NIM”) improved 1 bps Q-o-Q and 3
bps Y-o-Y
Note: *Normalised for one-off accounting adjustment on interest income
recognition for balance transfer for Credit Cards from upfront to amortisation
*Gross Interest Margin including treasury assets
2.13% 2.26% 2.20% 2.15% 2.16%
4.35%
4.53% 4.59% 4.58%
4.67%
1.5%
2.5%
3.5%
4.5%
1QFY15 2QFY15 3QFY15 4QFY15* 1QFY16
Net Interest Margin Gross Interest Margin
Gross & Net Interest Margin Trend

8. Strategy Execution 1Q FY16 Results
(A)
Grow Deposits
Economically
and Faster than
Loans
Growing Deposits:
1. Corporate CASA with
transaction banking services
2. Consumer CASA with
marketing campaigns
3. Progressively optimizing the
funding cost
 CASA growth of RM152.5 million despite shrinking market
liquidity
 CASA growth y-o-y of RM1.4 billion or 10.1% (industry: 6.5%)
7
Executive Summary –
Strategy & Execution
B
Strategy & Execution (Q1 FY16)
13.7
15.0 15.1
83.8% 82.8% 85.1%
34.7% 33.6% 34.5%
12
13
14
15
16
17
18
1QFY15 4QFY15 1QFY16
CASA Deposits LD ratio CASA ratio
RM bil
CASA Growth Trend

9. Strategy Execution 1Q FY16 Results
(A)
Grow
Customer-
based
Fee Income
Focus on:
1. Wealth Management in Consumer
Banking
2. Client-based fee income in Business
Banking
 Wealth management income increased by 17.9%
quarter-on-quarter.
 Client based fee income marginally down despite
pressures in trade, treasury sales and brokerage.
8
Executive Summary –
Strategy & Execution
C
Strategy & Execution (Q1 FY16) – Key Updates
Non-Interest Income 1QFY16 4QFY15
Q-o-Q Growth
RM mil %
Consumer Banking 13.3 12.1 1.2 9.9%
Business Banking 29.7 31.3 -1.6 -5.1%
Fee & Commission 17.7 17.7 - -
Total Client-Based 60.7 61.1 -0.4 -0.7%
Non Client-Based 19.9 7.8 12.1 >100%
Total Non Interest Income 80.6 68.9 11.7 17.0%
Non-Interest Income Ratio 23.4% 21.9% - +1.5%
Note: Non-Interest Income in this Table is inclusive of Islamic Banking fee income

10. 9
Way Forward
Leverage on franchise strengths to deliver sustainable profitability despite economic challenges
Franchise Growth
Focus
 Focus Consumer Banking and Wealth Management business on
fulfilling the financial needs of the Business Owners, their employees
and their clients
Improve Financial
Efficiency
 Focus on asset efficiency, i.e. Risk Adjusted Returns, to protect margins
 Grow deposits faster than loans
 Improve share of customer non-interest income revenues
 Effective management of asset quality and credit costs
 Continue to streamline to contain costs
Focus on Client
Excellence
 Enhance client value propositions and client service standards
 Build differentiated and relevant brand positioning in target segments

11. Executive Summary
Contents
1
Financial Results for 1QFY20162
Appendices3

12. Key Financial Ratios
Financial Ratios 1QFY16 1QFY15 Y-o-Y Change 4QFY15 Q-o-Q Change
Shareholder
Value
Return on Equity 10.9% 13.2% -2.3% 9.4% 1.5%
Earnings per Share 8.0 sen 8.6 sen -7.0% 6.1 sen 31.1%
Net Assets per Share RM2.92 RM2.68 9.0% RM2.90 0.7%
Efficiency
Net Interest Margin 2.16% 2.13% +0.3 bps 2.15 % +1 bps
Non-Interest Income Ratio 23.4% 25.7% -2.3% 21.9% 1.5%
Cost to Income Ratio 48.6% 48.0% 0.6% 54.1% -5.5%
Balance Sheet
Growth
Net Loans (RM bil) 37.0 32.8 12.7% 36.6 1.1%
Customer Deposits (RM bil) 43.9 39.6 10.8% 44.6 -1.6%
Asset Quality
Gross Impaired Loans Ratio 1.0% 1.4% -0.4% 1.0% -
Net Impaired Loans Ratio 0.6% 0.8% -0.2% 0.6% -
Loan Loss Coverage Ratio 105.4% 90.2% 15.2% 102.7% 2.7%
Liquidity
Loan to Deposit Ratio 85.1% 83.8% 1.3% 82.8% 2.3%
CASA Ratio 34.5% 34.7% -0.2% 33.6% 0.9%
Capital
Common Equity Tier 1
Capital Ratio
11.1% 10.0% 1.1% 11.1% -
Tier 1 Capital Ratio 11.1% 11.1% - 11.1% -
Total Capital Ratio 13.0% 13.2% -0.2% 13.0% -
11

13. Summarised
Balance Sheet
Balance Sheet
1QFY16
RM bil
1QFY15
RM bil
Change Y-o-Y
4QFY15
RM bil
Change Q-o-Q
RM bil %
RM
bil
%
Total Assets 52.3 50.1 2.2 4.3% 53.1 -0.8 -1.6%
Treasury Assets(1) 11.2 12.8 -1.6 -12.3% 11.5 -0.3 -2.7
Net Loans 37.0 32.8 4.2 12.7% 36.6 0.4 1.1%
Customer
Deposits
43.9 39.6 4.3 10.8% 44.6 -0.7 -1.6%
CASA Deposits 15.1 13.7 1.4 10.1% 15.0 0.1 1.0%
Shareholders’
Funds
4.5 4.1 0.4 9.0% 4.5 - -
Net Loan Growth
(y-o-y)
12.7% 15.7% - -3.0% 14.9% - -2.2%
Customer Deposit
Growth (y-o-y)
10.8% 10.9% - -0.1% 13.7% - -2.9%
 -12.3% y-o-y reduction in Treasury
Assets for effective management
of market risk
 +12.7% y-o-y Net Loan growth
moderated (industry*: 9.1% y-o-y)
driven by strong loan growth in
Consumer and Business segments
by:
 Group Consumer Banking
(+10.7% y-o-y)
 Group Business Banking
(+15.0% y-o-y)
 +10.8% y-o-y Customer Deposit
growth, is above industry growth
rate of 7.3%.
 +10.1% y-o-y growth in CASA
deposits despite intensified
competition in industry for CASA
deposits.
Net Loan Growth at 12.7% Y-o-Y, Driven by Consumer and SME Segments
Note: * Industry data sourced from BNM Monthly Statistical Bulletin as of June 2015
(1) Treasury assets comprise financial assets (HFT, AFS & HTM), derivative financial assets & placements
with Financial Institutions 12

14. 5.1% Y-o-Y and 9.0% Q-o-Q Net Interest Income & Islamic Banking Growth
Interest & Islamic
Banking Income
Net Interest Income & Islamic Banking Income
 Deposit rates increase:
 Competition for retail deposits ahead of
implementation of Basel III Liquidity
Coverage Ratio, effective June 2015
 25 bps increase in OPR to 3.25% in
July 2014
 Rising industry loans to deposits ratio
 Net Interest Margin expanded by 1 bps Q-o-
Q, due to changes in loan composition.
 focus on higher risk adjusted return loans;
 slower growth in residential and non-
residential loans.
199.8 221.1 213.5 186.1 207.8
53.7
53.9 58.3
58.2
58.6
253.5
275.1 271.8
244.3 266.3
0
200
400
1QFY15 2QFY15 3QFY15 4QFY15 1QFY16
Net Interest Income Islamic Banking IncomeRM mil
13
2.35% 2.41% 2.53% 2.58% 2.66%
2.13% 2.26% 2.20% 2.15% 2.16%
4.35% 4.53% 4.59% 4.58% 4.67%
1.5%
2.5%
3.5%
4.5%
1QFY15 2QFY15 3QFY15 4QFY15* 1QFY16
Cost of Fund Net Interest Margin Gross Interest Margin
Cost of Funds & Net Interest Margin Trend

15. 18.3 21.1 18.6 18.0 17.6
28.4
40.1
27.0 24.1 25.0
33.1
25.3
15.9 15.1
24.3
3.4
28.6
16.5
4.5
11.1
83.2
115.1
78.0
61.7
78.0
25.7%
30.1%
23.0%
21.9%
23.4%
0
100
200
1QFY15 2QFY15 3QFY15 4QFY15 1QFY16
Commission Fee Income
Investment Income Other Income
Non-Interest Income Ratio
14
Non-Interest Income
Mix
14.2%
31.1%
32.1%
22.6%
RM mil
Non-Interest Income Trend
Non-Interest Income Ratio at 23.4%
 Non-interest income ratio
improved to 23.4% from, 21.9%
at 4 Q FY2015.

16. Operating Expenses
15
 Administration Expenses up by RM4.8 million, mainly due to higher deposit insurance cost.
 The Group continues to enhance productivity and efficiency through effective cost management and also investment
in branch channels, IT infrastructure and marketing.
Expenses under Control, rising by +3.5% Y-o-Y and 1.1% Q-o-Q
OPEX Contribution
1QFY16
RM mil
1QFY15
RM mil
Change
RM %
Personnel 104.6 105.0 -0.4 -0.4%
Establishment 37.1 34.0 3.1 9.0%
Marketing 4.8 6.6 -1.8 -27.3%
Administration 20.9 16.1 4.8 30.2%
Total OPEX 167.4 161.7 5.7 3.5%
161.7 160.5 159.3 165.5 167.4
48.0%
41.1%
45.5%
54.1%
48.6%
0
100
200
300
1QFY15 2QFY15 3QFY15 4QFY15 1QFY16
OPEX CIRRM mil
Operating Expenses Trend
Personnel
62.5%
Establishment
22.1%
Marketing
2.9%
Admin
12.5%
Composition of Operating Expenses
Personnel
65.0%
Establishment
21.0%
Marketing
4.1%
Admin
9.9%
1QFY151QFY16

17. 16
24.5
27.8
31.8
36.6 37.0
0
10
20
30
40
FY2012 FY2013 FY2014 FY2015 1QFY16
Net Loans, Advances and Financing Trend
Loan Portfolio
12.7% Y-o-Y Loans Growth
RM bil
1QFY16 vs 1QFY15
+ RM4.2 bil
+ 12.7%
53.9% 55.7% 57.2% 56.5% 56.7%
21.9% 17.9% 18.3% 20.3% 20.5%
24.2% 26.4% 24.5% 23.2% 22.8%
0%
20%
40%
60%
80%
100%
FY2012 FY2013 FY2014 FY2015 1QFY16
Consumer SME Wholesale
Loan Composition by Business Segments
 Y-o-Y Net Loan Growth of 12.7%, higher than industry loan growth of 9.1%(1)
 Balanced loan composition with 56.7% Consumer, and 43.3% in Business Banking, of which 47.3% is SME
Lending
 Effective management of interest rate risk: 89.6% of loan book is floating rate (1QFY15: 89.6%)
Note: (1) Industry data sourced from BNM Monthly Statistical Bulletin as of June 2015

18. Loans Growth for Residential and Non-Residential Continues to Moderate
Loan Growth:
By Economic Purposes
 Going forward, loans for residential and non-residential
properties to grow in tandem with industry due to:
 Focus on risk adjusted returns instead of market
share
 Overall slow down in transactions in property
markets
 Above industry loans growth for SME remains a core
area of focus
9.8
11.6
13.3
15.1 15.4
12.4%
18.9%
14.9% 13.5% 11.3%
0
4
8
12
16
20
24
FY2012 FY2013 FY2014 FY2015 1QFY16
RM bil
Residential Loans Growth (Y-o-Y)
17
5.5 5.0
5.9
7.5 7.7
14.4%
-7.9%
17.0%
26.8% 21.4%
0
5
10
15
FY2012 FY2013 FY2014 FY2015 1QFY16
RM bil
SME Loan Growth (Y-o-Y)
RM mil 1QFY16 1QFY15
Y-o-Y
Growth
SME 7,660 6,312 21.4%
Corporate & Commercial 8,509 7,754 9.7%
Business Banking 16,169 14,066 15.0%
Note:
* BNM’s revised SME definition effective from 1 January 2014. FY2013
SME loans and onwards have been restated based on BNM’s revised
SME definition.
3.4 3.7
4.8
6.5 6.6
17.9%
11.0%
27.8%
35.5%
29.3%
0
4
8
12
FY2012 FY2013 FY2014 FY2015 1QFY16
RM bil
Non-Residential Loans Growth ((Y-o-Y)
Note: Y-o-Y Loans Growth

19. 451.3
1,022.0
1,561.6 1,566.7
1,498.4
29.9%
126.5%
52.8%
0.3% -6.1%
0
500
1000
1500
2000
2500
FY2012 FY2013 FY2014 FY2015 1QFY16
RM mil
Share Margin Financing Growth (Y-o-Y)
Stronger Growth Trajectory for Personal Loans. Share Margin and Transport Vehicles Moderated
Loan Growth:
By Economic Purposes
18
2,147.2 1,952.9 2,047.3
2,276.1 2,371.2
2.5%
-9.1%
4.8% 11.2% 13.9%
0
1000
2000
3000
4000
FY2012 FY2013 FY2014 FY2015 1QFY16
RM mil
Personal Loans Growth (Y-o-Y)
623.6 581.3 601.3
653.1 655.0
-6.0% -6.8%
3.4% 8.6% 4.8%
0
250
500
750
1000
FY2012 FY2013 FY2014 FY2015 1QFY16
RM mil
Credit Card Receivables Growth (Y-o-Y)
561.8
737.9
1,117.8
1,427.0 1,369.7
-20.2%
31.3% 51.5% 27.7% 13.2%
0
500
1000
1500
2000
2500
FY2012 FY2013 FY2014 FY2015 1QFY16
RM mil
Transport Vehicles Growth (Y-o-Y)
Note: Y-o-Y Loans Growth

20. 19
Shift in Loan Composition Will Occur Over Time
 Gradual change of loan mix over time as loan
production now focused on SME and Commercial
Lending (term loans, share margin financing,
personal loans and credit cards).
 Residential and non-residential properties
accounted for 58.9% of gross loan portfolio:
 41.3% of loan portfolio is for residential
properties, slight decline from 41.7% as at
1QFY2015
 17.6% for non-residential properties, mainly
lending to SMEs for operating business
premises
 Risk management - Well diversified and
collateralised loan book
 Robust credit scoring and credit underwriting
standards
Composition
of Loan Portfolio
Purchase of
residential
property
41.3%
Working
capital
17.5%
Purchase of
non-
residential
property
17.6%Personal use
6.3%
Credit card
1.8%
Purchase of
securities
4.1%
Purchase of
transport
vehicles
3.7%
Others
7.7%
1QFY16
Loan Composition by Economic Purposes

21. 20
Further Reduction in Impaired Loans. Net Impaired Loans Ratio Stable at 0.6%
Asset Quality
 Gross and Net Impaired Loans Ratio remained stable
 Gross Impaired Loan ratio at 1.0%, and Net Impaired Loans at 0.6%, better than industry average
 Continuing efforts to refine credit underwriting and origination as well as monitoring and collections initiatives.
1QFY16 vs 1QFY15
GIL: - RM76.4 mil
- 16.9%
629.2
579.2
442.8
380.7 376.1
2.5% 2.1%
1.4%
1.0% 1.0%
1.4% 1.1%
0.7% 0.6% 0.6%
0
200
400
600
800
1000
1200
1400
FY2012 FY2013 FY2014 FY2015 1QFY16
RM mil Gross impaired loans
Gross Impaired Loan Ratio
Net Impaired Loan Ratio (%)
Gross Impaired Loans Balance Sheet: Movements in impaired loans,
advances and financing
RM’000 1QFY16 1QFY15
At beginning of year 380,712 442,781
Impaired during the quarter 136,524 167,573
Reclassified as unimpaired during the
quarter
(84,841) (92,235)
Recoveries (40,188) (53,620)
Amount written off (16,103) (12,004)
Gross Impaired Loans at 30 June 376,104 452,495
Individual allowance for impairment (62,370) (92,344)
Collective allowance for impairment
(impaired portion)
(99,797) (111,934)
Net impaired Loans at 30 June 213,937 248,217
1QFY16 vs 1QFY15
NIL: - RM34.3 mil
- 13.8%

22. 21
Further Reduction in Impaired Loans for Residential and Non-Residential Properties
Asset Quality:
Mortgages, Hire Purchase, SME
 Consumer Lending: Gross Impaired Loans ratio for the purchase of residential & non-residential property
improved to 1.1%.
 SME Lending: Gross Impaired Loans ratio stable at 0.9%.
266.7
282.4
254.2 255.9
244.0
2.0%
1.8%
1.4%
1.2% 1.1%
0
100
200
300
400
500
FY2012 FY2013 FY2014 FY2015 1QFY16
RM mil
Gross impaired loans GIL Ratio
5.7 5.6
9.8
8.3 8.6
1.0% 0.8% 0.9%
0.6% 0.6%
0
5
10
15
FY2012 FY2013 FY2014 FY2015 1QFY16
RM mil
Gross impaired loans GIL Ratio
146.2
101.4
79.4
65.5 65.3
2.7%
1.7%
1.4%
0.9% 0.9%
0
100
200
FY2012 FY2013 FY2014 FY2015 1QFY16
RM mil
Gross impaired loans GIL Ratio
Purchase of Residential and
Non-Residential Properties
Purchase of Transport Vehicles SME

23. Impairment Provisions
22
Normalization of Credit Cost and Lower Recoveries
87.7%
82.5%
92.7%
102.7%
105.4%
FY2012 FY2013 FY2014 FY2015 1QFY16
RM’000 1QFY16 1QFY15
Individual assessment 4,224 (5,972)
Collective assessment 17,406 15,563
Bad debts recovered (8,777) (12,688)
Bad debts written off 3,342 4,171
Allowance for other assets 919 678
Allowance/ (write-back) for losses
on loans, financing and other losses
17,114 1,752
Write-back of impairment (CLO) (676) -
Total allowance 16,438 1,752
 1Q FY16: Higher provision charge y-o-y with normalisation of credit cost.
 1Q FY15: Benefited from recoveries
ChargeWrite-back
(0.8)
(4.4) (1.5) (0.7)1.8
(6.6)
27.0
17.5 17.1
-15
0
15
30
45
1QFY15 2QFY15 3QFY15 4QFY15 1QFY16
Allowance for/ (write -back of) Losses on Loans & Other Losses
Write-back of Impairment
1.8
22.6
(7.4)
16.0 16.4
Net (Write-back) / Allowance of losses on
Loans/ Financing and Impairment
RM mil Loan Loss Coverage
Credit Cost (bps) Annualized
FY16
1QFY16 FY2015
Including recoveries 18.4 bps 4.6 bps 11.5 bps
Excluding recoveries 28.0 bps 7.0 bps 29.4 bps
Note: Credit cost annualized based on 1Q FY2016 actual charge

24. Deposits from
customers
83.9%
Deposits of
banks and
other FIs
4.0%
Shareholders'
Funds
8.6%
Other
Liabilities
3.5%
1QFY16
Net Loans
70.7%
Investment
securities
21.1%
Cash, ST
funds,
Deposits
with FI
3.5%
Other
Assets
4.7%
1QFY16
23
Balance Sheet
Management
83.9% of Funding from Customer Deposits
 4.3% y-o-y growth in total assets
 Loans account for 70.7% of total assets, up from
65.5% a year ago
1QFY16 vs 1QFY15
+ RM2.2 bil
+ 4.3%
24.5 27.8
31.8
36.6 37.0
11.5
12.7
11.9
11.5 11.2
3.7
3.2
4.4
5.0 4.1
39.7
43.7
48.1
53.1 52.3
0
10
20
30
40
50
60
FY2012 FY2013 FY2014 FY2015 1QFY16
Net Loans Treasury Assets Other AssetsRM bil
Note: Investment securities comprise financial assets (HFT, AFS & HTM) & derivative financial assets
Net Loans
65.5%
Investment
securities
23.6%
Cash, ST
funds,
Deposits
with FI
6.1%
Other
Assets
4.8%
1QFY15
Deposits from
customers
79.0%
Deposits of
banks and
other FIs
9.0%
Shareholders'
Funds
8.3%
Other
Liabilities
3.7%
1QFY15
Total Assets Trend Composition of Total Assets
Composition of Total Liabilities/ Equity

25. 24
Customer Deposits
 Customer Deposits grew +10.8% y-o-y, higher than industry growth +7.3%(1) y-o-y.
 CASA deposits expanded by RM1.4 billion or 10.1% y-o-y to RM15.1 billion in 1QFY2016
 34.5% CASA deposits ratio, driven mainly by SME segment.
 Reduced high cost fixed deposits, in view of slower loans growth
Robust Y-o-Y Deposit Growth of 10.8%, with CASA Deposits Up 10.1% to RM15.1 billion
9.1 10.4 11.5 13.2 13.3
1.7 1.7 1.8
1.8 1.8
15.6
17.1
18.6
21.0 20.4
5.8
6.8
7.3
8.6 8.4
33.7% 33.6% 34.0% 33.6% 34.5%
0
20
40
60
FY2012(EOP) FY2013(EOP) FY2014 (EOP) FY2015(EOP) 1QFY16(EOP)
DD SA FD NID,MMD,SD CASA ratioRM bil
43.9
32.2
36.0
39.2
44.6
12.1 13.3 15.0 15.1
10.8
(1) Industry data sourced from BNM Monthly Statistical Bulletin as of June 2015. EOP – refers to end of period.
Customer Deposits Trend

26. 25
Liquidity Management
Liquidity: Healthy Loan to Deposit Ratio at 85.1%
 Stable funding with 40.9% from Individuals and 30.6% from
Business Enterprises
 Liquidity Coverage Ratio at 144%, above 60% regulatory
requirement
77.7% 78.4%
82.1% 82.8% 85.1%
0%
20%
40%
60%
80%
100%
FY2012 FY2013 FY2014 FY2015 1QFY16
Individuals
40.9%
Business
enterprises
30.6%
Govt. &
statutory
bodies
6.8%
Domestic
financial
institutions
11.1%
Domestic
non-bank
financial
institutions
7.9%
Foreign
entity
1.4%
Others
1.3%
Demand
deposits,
30.4% Saving
deposits,
4.1%
Fixed/
investment
deposits,
46.6%
Money
market
deposits,
7.1%
Negotiable
instruments
of deposits,
10.9%
Structured
deposits,
0.9%
Deposit Composition by Customer Types
Deposit Composition by Product Types
Loan to Deposit Ratio Trend

27. Legal Entity
CET 1
Capital Ratio
Tier 1
Capital Ratio
Total Capital
Ratio
Alliance Financial Group 11.1% 11.1% 13.0%
Alliance Bank 11.1% 11.1% 11.6%
Alliance Islamic Bank 10.9% 10.9% 11.6%
Alliance Investment
Bank
101.6% 101.6% 101.6%
Basel III Minimum
regulatory capital
adequacy ratio (1)
4.5% 6.0% 8.0%
Effective Capital
Management
26
 Core Equity Tier I Ratio at 11.1% above
industry average.
 Strong profit generation capacity to fund
balance sheet expansion
 Going forward, asset growth in line with
revenue growth resulting in stable
capital ratios.
Core Equity Tier 1 Capital Ratio at 11.1%
(1) Based on the Basel III minimum capital ratios for calendar year 2015
AFG Ratio (%) FY12 FY13 FY14 FY15 1QFY16
Double
Leverage Ratio
98.7% 98.5% 99.0% 96.0% 97.4%
RWA/ Total
Assets
66.2% 63.8% 63.2% 65.7% 66.7%
RWA (RM bil) 26.3 27.9 30.4 34.9 34.9
Y-o-Y RWA
Growth
17.2% 5.9% 9.0% 15.0% 10.7%
15.1% 14.6% 13.7% 13.0% 13.0%
FY2012 FY2013 FY2014 FY2015 1QFY16
Total Capital Ratio (%)

28. 130.8
180.3
126.4
93.3
121.9
0
100
200
1QFY15 2QFY15 3QFY15 4QFY15 1QFY16
RM mil
8.6
11.8
8.3
6.1
8.0
0
5
10
15
1QFY15 2QFY15 3QFY15 4QFY15 1QFY16
NPAT: 30.7% Improvement in Q-o-Q Profitability
27
Enhanced
Shareholder Value
sen
Net Profit After Tax
Earnings Per Share Return On Equity
173.3
237.0
168.2
124.6
160.7
0
100
200
300
1QFY15 2QFY15 3QFY15 4QFY15 1QFY16
RM mil
Profit Before Tax
13.2%
15.1%
11.6%
9.4% 10.9%
0%
10%
20%
1QFY15 2QFY15 3QFY15 4QFY15 1QFY16
RM mil

29. 28
6.022
6.811 6.827
7.415
6.796
5.697
0
2
4
6
8
10
FY2012 FY2013 FY2014 FY2015 1QFY16 14 Aug'15
RM bil
Enhanced
Shareholder Value
3.89
4.40 4.41
4.79
4.39
3.68
0
1
2
3
4
5
6
FY2012 FY2013 FY2014 FY2015 1QFY16 14 Aug'15
RM
Market Capitalization at RM6.8 billion
FY12 FY13 FY14 FY15 1QFY16 14 Aug’15
1.6 1.7 1.6 1.6 1.5 1.3
FY12 FY13 FY14 FY15 1QFY16 July’15
30.7% 37.2% 32.5% 31.0% 29.3% 29.4%
Price-to-Book Multiple (times) Foreign Shareholding
Market Capitalisation Share Price Performance

30. Executive Summary
Contents
1
Financial Results for 1QFY20162
Appendices3

31. 30
INCOME STATEMENT 1QFY16 4QFY15 3QFY15 2QFY15 1QFY15
30.6.2015 31.3.2015 31.12.2014 30.9.2014 30.6.2014
Interest income 463,765 432,025 459,142 457,755 423,485
Interest expense (255,999) (245,915) (245,623) (236,616) (223,664)
Net interest income 207,766 186,110 213,519 221,139 199,821
Net income from Islamic banking business 58,552 58,211 58,279 53,919 53,674
266,318 244,321 271,798 275,058 253,495
Other operating income 78,029 61,726 78,032 115,064 83,244
Net income 344,347 306,047 349,830 390,122 336,739
Other operating expenses (167,350) (165,466) (156,401) (160,523) (161,668)
Operating profit before allowance 176,997 140,581 193,429 229,599 175,071
Allowance for losses on and other losses
loans, advances and financing
(17,114) (17,490) (26,950) 6,588 (1,752)
Write-back of impairment 676 1,539 1,743 833 -
Operating profit after allowance 160,559 124,630 168,222 237,020 173,319
Share of results of joint venture 103 2 8 6 -
Profit before taxation and zakat 160,662 124,632 168,230 237,026 173,319
Taxation and zakat (38,732) (31,363) (41,857) (56,698) (42,509)
Net profit after taxation and zakat 121,930 93,269 126,373 180,328 130,810
Quarterly
Income Statement

32. Islamic Banking: Y-o-Y Net Financing Growth of 27.4% and Deposit Growth of 22.8%
31
Net Financing & Advances (AIS)
Customer Deposits (AIS)
Islamic Banking Income
Net Profit After Tax & Zakat (AIS)
5.2
5.9 6.3
8.0 8.5
36.8%
33.1% 32.9% 31.7% 32.8%
0
5
10
15
FY2012 FY2013 FY2014 FY2015 1QFY16
RM bil Customer Deposits CASA Ratio
Islamic Banking
53.7 53.9 58.3 58.2 58.6
15.9% 13.8%
16.7%
19.0% 17.0%
0
50
100
1QFY15 2QFY15 3QFY15 4QFY15 1QFY16
RM mil Islamic Banking Income % of Group's Net Income
15.6
12.9
14.9
17.1
11.0
0
5
10
15
20
1QFY15 2QFY15 3QFY15 4QFY15 1QFY16
RM mil
4.4 4.6 5.0
6.6 6.7
0
2
4
6
8
FY2012 FY2013 FY2014 FY2015 1QFY16
RM bil

33. Non-Interest Income
32Note: Including Islamic Banking Income
QTD QTD Y-O-Y QTD Q-O-Q
Non Interest Income (RM'm)
1Q FY16 1Q FY15 RM mil % 4Q FY15 RM mil %
Consumer Banking Fee Income
Wealth Management 9.2 9.2 - - 7.8 1.4 17.9%
Brokerage - retail 2.5 3.1 (0.6) -19.4% 2.7 (0.2) -7.4%
Cards 1.6 2.4 (0.8) -33.3% 1.6 - -
TOTAL 13.3 14.7 (1.4) -9.5% 12.1 1.2 9.9%
Business Banking Fee Income
Trade Finance & Guarantees 12.6 14.9 (2.3) -15.4% 15.4 (2.8) -18.2%
FX - Treasury Sales 12.4 12.4 - - 12.8 (0.4) -3.1%
Brokerage - institutional 4.7 2.9 1.8 64.0% 3.1 1.6 51.3%
TOTAL 29.7 30.2 (0.5) -1.5% 31.3 (1.6) -5.1%
Fee & Commission (Incl. fees from Treasury sales) 17.7 19.7 (2.0) -10.2% 17.7 - -
Customer Based 60.7 64.6 (3.9) -6.0% 61.1 (0.4) -0.7%
Gain from sale/redemption of Financial Investments 0.9 6.9 (6.0) -87.0% (0.7) 1.6 >-100%
Revaluation & Realised Gain from Derivatives (including
DCI/SI) 5.8 6.1 (0.3) -4.9% (11.7) 17.5 >-100%
Foreign Exchange Gain (Translation & Trading) 4.2 1.1 3.1 >100% 10.6 (6.4) -60.4%
Dividend Income 2.7 1.6 1.1 68.8% - 2.7 -
Others 6.3 6.2 0.1 1.6% 9.6 (3.3) -34.4%
Non Customer Based 19.9 21.9 (2.0) -9.1% 7.8 12.1 >100%
Total Non Interest Income 80.6 86.5 (5.9) -6.8% 68.9 11.7 17.0%

34. Requirements
 Banks to maintain, in aggregate, Collective
Assessment Allowance (“CA”) and Regulatory
Reserve ratio of 1.2%.
 The CA + Regulatory Reserve is stated as a
percentage of gross loans (excluding guaranteed loans
from the Government of Malaysia), net of individual
allowance (“IA”).
 CA includes both provision for impaired and non-
impaired loans, amount as per disclosed in our financial
statements.
 The Bank shall comply with this requirement by 31
December 2015.
Guideline on Classification and Impairment Provision for Loans/Financing
Treatments
 In the event the Bank is required to top up the provision to
1.2% (via the creation of Regulatory Reserve), the top
up portion is created by way of transferring the provision
from retained profits i.e. merely movement within the
statement of equity without additional charge to profit &
loss accounts.
 It would be a transfer from Retained Earnings to
Regulatory Reserve (within Shareholders Funds).
 Effectively the Regulatory Reserve will be similar to the
Statutory Reserve – cannot be used to declare
dividends. But no impact on the Net Tangible Assets
(“NTA”).
 As per Para 16.1, CA and Regulatory Reserve,
attributable to impaired loans shall be excluded from Tier-
2 Capital’s computation.
AFG June 2015 March 2015
CA % 1.0% 1.0%
Impact
 As at end-June 2015, AFG’s CA ratio was at 1.0%. To top up to 1.2%, this translates to transfer of RM113.25 million from
retained earnings to Regulatory Reserve.
 Estimated impact to CET1 ratio is a drop of 0.32% to 10.8%. Total Capital Ratio maintained at 13.0%.
Regulatory Reserve
33

35. Alliance Financial Group
7th Floor, Menara Multi-Purpose
Capital Square
No. 8, Jalan Munshi Abdullah
50100 Kuala Lumpur, Malaysia
Tel: (6)03-2604 3333
www.alliancefg.com/quarterlyresults
THANK YOU
Maple Chan Yun Feng
Corporate Strategy & Investor
Relations
Contact: (6)03-2604 3385
Email: maplechan@alliancefg.com
Disclaimer: This presentation has been prepared by Alliance Financial Group (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, expressed 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.
This 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 its contents or otherwise arising in
connection therewith.
For further information, please contact: Amarjeet Kaur
Group Corporate Strategy &
Development
Contact: (6)03-2604 3386
Email: amarjeet@alliancefg.com