Private Confidential EXPORTIMPORT BANK OF MALAYSIA BERHAD MEXIM

Private & Confidential EXPORT-IMPORT BANK OF MALAYSIA BERHAD (MEXIM) Seminar on Government Financial Assistance for Malaysian Companies on 11 th of April 2019, Thursday AZRIN AZIZUDDIN

EXIM Overview Shareholders • Wholly-owned by the Government of Malaysia via: • Minister of Finance (Inc. ) (99. 9%, including 1 redeemable preference share); • Federal Lands Commissioner (1 ordinary share) Credit Rating • A 3 (Stable) / A- (Stable); Moody’s / Fitch Date of Incorporation • 29 August 1995 Paid-up Capital • Approx. RM 2. 7 billion • Offices • Global Coverage • Mandated Role by the • Government • Employees Note: (*) FYE 2017 2 332* Headquartered in Kuala Lumpur with 3 representative offices in Pulau Pinang, Johor Bahru and Kuching Business transactions and facilities for customers in 87 countries across 5 continents MEXIM is the only DFI in Malaysia dedicated to promoting the development of cross-border ventures MEXIM’s mandated role is to provide credit facilities to finance and support exports and imports of capital goods, services, infrastructure projects and value-added manufacturing to facilitate the entry of Malaysian companies into new markets abroad.

EXIM Core Values • To be leading Financial Institution for Malaysian cross-border Ventures • Efficient and professional delivery of products and services • e. Xcellent in servicing our customers with full integrity • Innovative in providing solutions to global financial needs of our customers • Mutual respect among all staff and disciplines teamwork in meeting the expectation of stakeholders 3 VISION MISSION SHARED VALUES CULTURAL BELIEFS • As a Development Financial Institution (DFI) We Strive To: • Facilite Malaysia’ s global businesses by providing banking and credit takaful products and services • Provide development advisory services in nurturing Malaysian crossborder business ventures • EXIM’s cultural belief represented by Results, Ownership, Focus, Trust, Feedback , Success and Integrity

EXIM Business Model • • • 4 MEXIM’s core business is driven by the Government’s mandate and market needs The Government’s aspirations are complemented by the needs of Malaysian businesses Balancing the two drivers with sound risk management practice ensures the business sustainability of MEXIM

Strategic Policy Bank Role MEXIM address an important gap within the Malaysia financial services sector • • Provides support to large corporates and SMEs May not be able to extend exposure to certain countries, given limited overseas operations and lack of international experience • Malaysia Banks MEXIM • • Clientele consists of locally incorporated corporations and SMEs as well as foreign companies and selected foreign governments Willing and able to provide support where required to take international exposure Extensive international experience, backed by Government mandate Foreign Banks • • 5 Placeholder Supports foreign multinationals operating in Malaysia Focused on large corporates

Interaction with other Agencies of the Government The Bank interacts closely with other agencies of the Malaysian government, in their programs for promoting exports. Among them: - Regularly participates in trade missions organized by MITI - Participates in the annual SMIDEX exhibition organized by SME Corp. , a unit of MITI - Submit Statement of Corporate Intent and Annual Funding Requirements for their comments - Regularly participates in trade missions organized by MATRADE - Regularly participates and jointly organize exhibitions/seminars led by MATRADE - Participation in National Investment Seminar and ongoing economic development in regional economic corridor - Promotion of reverse investment initiatives - Sharing market information 6

Interaction with other Agencies of the Government The Bank interacts closely with other agencies of the Malaysian government, in their programs for promoting exports. Among them: - Regularly participates in SME Corp Malaysia‘s seminars and events in order to assist Small and Medium Enterprise companies in Malaysia to penetrate the global market. -Among the Financial Institution who finance companies with the 1 -Innocert Certification. - Provide assistance to companies referred to by SME Corp Malaysia - Actively participate in their seminars especially for the TERAS companies to help Bumiputera companies achieve success in their business. - Participates in seminars or forums organised by Malaysian Biotech Development Corporation Sdn. Bhd. - Provide assistance to BIO-NEXUS certified companies in sourcing for fund in financing their project overseas. - Supports the Green Technology Financing Scheme (GTFS) - Actively involve in the Business Review Presentation organised by Malaysian Greentech Corporation Sdn Bhd. 7

Interaction with International Agencies The Bank has forged strategic alliances with various international organizations, as a means to promote Malaysian exports Description MEXIM interaction - AEBF was established in 1996, through the initiative of the Export-Import Bank of India - Serves as a forum for discussing a wide range of issues, and fostering common understanding and sharing information among EXIM Banks in Asia - Members include, among others, Japan International Co-operational Agency (“JICA”) and Asia Development Bank (“ADB”) 8 - Founded in 1934 as an international, non-profit organization - Dedicated to facilitating world-wide cross-border trade and investments by fostering international acceptance of sound principles in export credits and investments insurance, and by providing a forum for professional exchanges among its members Member of AEBF since 1996 In 2002, the 8 th AEBF was held in Kuala Lumpur, Malaysia In 2010, EXIM Bank Malaysia hosted the 13 th Training Program on Risk Management Participated in various training programs organized by other members, with the objective of improving knowledge of all ECA officers in all areas related to export credits In 2011, EXIM Bank Malaysia hosted the 17 th AEBF Annual Meeting In 2016, EXIM Bank Malaysia hosted the 33 rd AEBF Annual Meeting Member of Berne Union since 1983 Promote best practices through exchange of information on our activities, policies and procedures and through the development of relevant agreements and standards Co-operating and partnering with commercial, bilateral and multilateral and other organizations involved in export trade and investment business Training and workshop conducted by subject matter experts across 38 countries

EXIM’s Exposure All Around The World BANKING AND CREDIT TAKAFUL BY COUNTRY MEXIM’s total exposure covers 87 countries while its stand alone credit takaful exposure extends over 52 countries. 9

EXIM’s Banking/Credit Facilities Our offerings of Banking, Trade Credit Insurance and Advisory services via a variety of products and services that, when put together, become an integrated cross-border solutions for our customers and their affiliates. • Term Loan • Working Capital • Guarantee Banking Trade Credit Insurance • Short-Term • Medium/Long. Term • Political Risk • Country Analysis • Industry Analysis Advisory The facilities offered by EXIM fall into two categories: banking facilities and trade credit insurance and takaful facilities EXIM offers a wide range of conventional and Islamic banking facilities classified into term financing, trade finance and guarantees For trade credit insurance and takaful facilities, EXIM offers short-term and medium-to long-term products 10

EXIM’s Banking/Credit Facilities Credit Takaful Islamic Banking Cross-Border Financing • Overseas Project/Investment • Financing-i • Contract Financing-i • Buyer Financing-i • Malaysia. Kitchen Financing Facility-i • Term Financing-i • Export of Services-i • Import Financing-i 11 Trade Finance • Supplier Financing-i • Trust Receipt-i • Export Credit Refinancing-i • IDB Co-Financing • Vendor Financing Scheme-i • Foreign Bill of Exchange • Purchase-i • Letter of Credit-i Guarantee • Bank Guarantee-i • Forward Foreign Exchange-i Short-Term Credit Takaful • Trade Credit Takaful • Bankers Trade Credit Takaful Medium/Long. Term • Specific Takaful • Overseas Investment Takaful ‘INTEGRATED CROSS-BORDER SOLUTIONS’

EXIM’s Program Lending Anchor Company Ecosystem (ACE) • To facilitate Anchor companies in maintaining a resilient supply ecosystem, thus ensuring the sustainability, stability & improved business continuity of its suppliers/vendors (Tier 1, 2 and beyond) by availing them with a supply chain financing program. • To improve the suppliers/vendors’ cashflow by financing their purchases. • To improve the suppliers/vendors’ cashflow by unlocking their cash trapped in receivables. 12

Trade Credit Takaful Insurance against losses/ non payment arising from commercial and/or political risks while undertaking project or contract in overseas countries and export activities. Commercial Risks 13 Political / Country Risks Credit Insurance Coverage

What is Trade Credit Takaful? Takaful against non-payment due to commercial and / or political risks. Commercial Risk – up to 90% Insolvency – Buyer or Issuing Bank Payment Default – Buyer or Issuing Bank Non-acceptance of Goods Political & Country Risk – up to 95% Transfer Risks Occurrence of war, revolution and civil disorder Default by public buyers (govt. owned) Catastrophic events RISKS NOT COVERED Currency fluctuations Insolvency or default of exporter’s agent or collecting bank Exporter’s negligence Trade Disputes 14

BUYER UNDERWRITING Credit Limit Application Purchase Credit Report Buyer Underwriting Name of Buyer / Bank Maximum Credit Limit Terms of Payment Maximum Tenor 15 Credit Limit Decision

HOW MUCH DO I HAVE TO PAY FOR PREMIUM? • Premium calculations depend on i. Turnover ii. underwriting considerations & the indemnity limit iii. other fundamental features of the credit risk analysis - buyer’s trade risk - country of origin - global economic situation and - geopolitical considerations. 16

TRADE CREDIT TAKAFUL PRODUCT FEATURES Afghanistan Policy Period – 12 months Irrevocable Letter of Credit (ILC) Goods exported from Malaysia to any country except to “off cover” countries Open Account (OA) 17 Lebanon Israel North Korea Seychelles Tunisia Documents Against Payment (DP) Documents Against Acceptance (DA) Libya Yemen Egypt Acceptable payment terms Credit period up to 180 days Syria

BENEFITS TO MALAYSIAN EXPORTERS Peace of mind Confidence in expanding business assigned as security to banks Provide credit management services Enable exporters to venture into new and unfamiliar markets Enable exporters to sell more on credit terms Facilitate trade financing Financial security in good and bad times Provide Indemnity up to 90 -95% by screening of buyers/clients leading to fewer late payments Provide assistance in debt recovery Double Deduction Tax Relief for premiums paid (only for Exports) 18

Private & Confidential THANK YOU

Disclaimer This presentation is confidential and has been prepared by Export-Import Bank of Malaysia Berhad (“MEXIM” or the “Bank”) for selected recipients for information purposes only and may not be retransmitted, reproduced or distributed to any other person or published in whole or in part, for any purpose. The Arrangers do not warrant the completeness or accuracy of the information contained herein, nor have they independently verified such information. The Arrangers shall not have any responsibility or liability whatsoever for any loss howsoever arising from this presentation or its content or otherwise in connection therewith. Opinions and estimates constitute the sole judgment of MEXIM as of the date of this presentation and are subject to change without notice. Certain statements contained in this presentation may be statements of future expectations and other forward-looking statements that are based on third party sources and involve known and unknown risks and uncertainties. Forward-looking statements contained in this presentation regarding past trends or activities should not be taken as a representation that such trends or activities will continue in the future. There is no obligation to update or revise any forward-looking statements, whether as a result of new information, future events or otherwise. You should not place undue reliance on forward-looking statements, which speak only as of the date of this presentation. Any securities, financial instruments or strategies mentioned herein may not be suitable for all investors. The recipient of this presentation must make its own independent decision regarding any securities or financial instrument. This presentation does not constitute an offer or invitation to sell, or any solicitation of any offer to subscribe for or purchase any securities and nothing contained herein shall form the basis of any contract or commitment whatsoever. No reliance may be placed for any purposes whatsoever on the information contained in this presentation or on its completeness, accuracy or fairness. The information in this presentation is subject to verification, completion and change. The contents of this presentation have not been verified by MEXIM. Accordingly, no representation or warranty, express or implied, is made or given by or on behalf of MEXIM or any of its shareholders, directors, officers or employees or any other person as to the accuracy, completeness or fairness of the information or opinions contained in this presentation. Neither MEXIM nor any of its shareholders, directors, officers or employees nor any other person accepts any liability whatsoever for any loss howsoever arising from any use of this presentation or its contents or otherwise arising in connection therewith. Investors and prospective investors in securities of MEXIM are required to make their own independent investigation and appraisal of the business and financial condition of such company and the nature of the securities. Any decision to purchase securities in the context of a proposed offering of securities, if any, should be made solely on the basis of information contained in an offering circular or prospectus published in relation to such an offering. The Arrangers may act as market maker or trade on a principal basis, or have undertaken or may undertake to trade for their own account, transactions in the financial instruments or related instruments of the Bank and may act as underwriter, placement agent, advisor or lender to the Bank. The Arrangers and/or their employees may hold a position in any securities or financial instrument. This presentation does not constitute an offer or invitation to subscribe for or purchase any securities, in the United States, Canada, Japan or otherwise, and nothing contained herein shall form the basis of any contract or commitment whatsoever. This presentation is being furnished to you solely for your information and may not be reproduced or redistributed to any other person. In particular, this presentation may not be taken or transmitted, directly or indirectly, into the United States, Canada or Japan or distributed, directly or indirectly, in the United States, Canada or Japan. Neither this presentation nor any copy of it may be taken or transmitted into the United States of America, its territories or possessions, or distributed, directly or indirectly, in the United States of America, its territories or possessions. Any failure to comply with this restriction may constitute a violation of U. S. securities laws. The presentation is not an offer of securities for sale in the United States. Securities of MEXIM may not be offered or sold in the United States absent registration or an exemption from registration under the U. S. Securities Act of 1933, as amended. MEXIM does not intend to register any portion of any proposed offering in the United States or to conduct a public offering of any securities in the United States. Private & Confidential 20