PT Bank Maybank Indonesia Tbk Class A · IDX:BNII
PT Bank Maybank Indonesia Tbk Class A — 9M 2019 Earnings Presentation
27 slides from PT Bank Maybank Indonesia Tbk Class A's earnings presentation, October 2019
Slide 1: Maybank Indonesia Financial Results 9M 2019
Humanising Financial Services Maybank Indonesia Financial Results 9M 2019 ended 30 September 2019 www.maybank.co.id
Slide 2: Table of Contents
Table of Contents Executive Summary 2 Results Overview 4 Appendix Shariah Banking 14 Subsidiaries 16 Maybank Indonesia in Brief 19 Awards, Events and CSR Highlights 24 Financial Results: 9M 2019 ended 30 September 2019
Slide 3: Executive Summary of 9M 2019 Results
Executive Summary of 9M 2019 Results* • Pre-provision operating profit increased by 2.0% YoY mainly supported by improvement in fee based income, sustained 1 strategic cost management and increased net interest income. • PATAMI decreased by 25.9% YoY to Rp1.1 trillion mainly due to higher provisions
Slide 4: Table of Contents
Table of Contents Executive Summary 2 Results Overview 4 Appendix Shariah Banking 14 Subsidiaries 16 Maybank Indonesia in Brief 19 Awards, Events and CSR Highlights 24 Financial Results: 9M 2019 ended 30 September 2019
Slide 5: Income Statement - Consolidated
Income Statement - Consolidated Rp billion 9M 2019 9M 2018 YoY 3Q2019 2Q 2019 QoQ Interest Income 11,805 11,010 7.2% 3,978 3,978 0.0% Interest Expense (5,680) (4,970) 14.3% (1,877) (1,990) -5.7% Net Interest Income 6,125 6,040 1.4% 2,101 1,987 5.7% Non Interest Income 1,862 1,511 23.2% 695 652 6.7%
Slide 6: Loans
Loans Global Banking booked loans growth of 13.7% YoY. However CFS Non-Retail and Retail were down by 7.0% and 4.0% respectively. LDR & Total Loans Rp Trillion Loans Portfolio Breakdown Rp Trillion 114.82% 109.75% 108.91% Sep-19 Jun-19 Sep-18 YoY QoQ 102.11% 104.30% Global Banking 35.4 37.8 31.1 13.
Slide 7: Asset Quality
Asset Quality Take a proactive stance and maintain risk posture to safeguard asset quality 2.89% 3.06% 2.73% 2.59% 2.63% NPL - Gross NPL (consolidated) 1.55% 1.50% 1.68% 1.74% 1.53% NPL- Net Sep-18 Dec-18 Mar-19 Jun-19 Sep-19 NPL - Gross NPL - Net 4.53% 5.19% 4.24% 4.26% 4.30% Special Mention Loans
Slide 8: Customer Deposits
Customer Deposits Released surplus liquidity for the quarter Deposits from Customers by Business Segment 19% 17% Global Banking Sep-18 Sep-19 CFS 81% 83% Deposits from Customers by Type 21% 17% 19% Current Account Sep-18 Saving Account Sep-19 58% 17% 17% 20% Time Deposit 64% Rp Trillion Sep-19 Jun-1
Slide 9: Fee Income
Fee Income Fee income improved driven by fees from Global Markets (treasury) and other fees Rp billion +23.2% YoY +6.8% YoY +>100% YoY +>100% YoY +9.0% YoY 1,862 1,511 1,290 1,183 Sep-18 Sep-19 274 292 156 124 57 -3 Total Fee Income Fees and commissions Gains on foreign exchange Gains/loss
Slide 10: Operating Expenses (Opex)
Operating Expenses (Opex) Included in Opex are the incentives paid for Mudharabah deposits which grew by 107.8% YoY. Excluding these incentives, Opex was relatively flat with 0.7% YoY growth Rp billion +8.4% YoY +0.9% YoY +13.9% YoY 4,856 4,482 2,933 2,575 Sep-18 1,907 1,924 Sep-19 Total Opera
Slide 11: Strong Capital Position
Strong Capital Position 20.09% 18.78% 19.04% 18.73% 19.07% 134,787 136,888 138,481 137,120 133,575 25,314 26,065 25,940 26,151 26,833 Sep-18 Dec-18 Mar-19 Jun-19 Sep-19 Risk Weighted Assets (Rp Billion) Total Capital (Rp Billion) CAR Capital Ratios Sep-19 Jun-19 Mar-19 Dec-18 Sep-18 YoY QoQ Tier I 1
Slide 12: Balance Sheet - Consolidated
Balance Sheet - Consolidated Rp billion Sep-19 Jun-19 Sep-18 YoY QoQ Loans 129,810 135,427 131,217 -1.1% -4.1% Other Earning Assets 29,829 28,693 22,156 34.6% 4.0% Other Assets 18,212 19,519 19,916 -8.6% -6.7% Total Assets 177,851 183,639 173,289 2.6% -3.2% Deposits from Customer 115,573 125,195 110
Slide 13: Financial Ratios
Financial Ratios Sep-19 Jun-19 Sep-18 YoY Sep-19 Jun-19 Sep-18 YoY Consolidated Bank Only a b c (a-c) a b c (a-c) Profitability Profitability Return On Assets 1.13% 1.12% 1.59% -0.46% Return On Assets 0.82% 0.89% 1.35% -0.53% Return On Equity (Tier 1) 6.26% 6.50% 9.53% -3.27% Return On Equity (Tier
Slide 14: Table of Contents
Table of Contents Executive Summary 2 Results Overview 4 Appendix Shariah Banking 14 Subsidiaries 16 Maybank Indonesia in Brief 19 Awards, Events and CSR Highlights 24 Financial Results: 9M 2019 ended 30 September 2019
Slide 15: Shariah Banking
Shariah Banking Shariah Financing grew 3.0% to Rp24.5 trillion, contributing 18.9% to the Bank‟s consolidated loans. Shariah Deposits grew significantly by 45.9% to Rp26.4 trillion, contributing 22.8% to the Bank‟s consolidated customer deposits. Shariah Assets up by 10.6% to Rp33.4 trillion,
Slide 16: Table of Contents
Table of Contents Executive Summary 2 Results Overview 4 Appendix Shariah Banking 14 Subsidiaries 16 Maybank Indonesia in Brief 19 Awards, Events and CSR Highlights 24 Financial Results: 9M 2019 ended 30 September 2019
Slide 17: Maybank Finance
Maybank Finance Revenue and Profit Before Tax Asset Quality Rp Billion -4.4% 926 885 0.59% 0.53% +17.2% 0.34% 0.34% 0.31% 350 298 0.31% 0.27% 0.18% 0.19% 0.16% Sep-18 Sep-19 Sep-18 Dec-18 Mar-19 Jun-19 Sep-19 Revenue Profit Before Tax NPL Net NPL Gross Financing Unit Financing (unit) Rp Billion
Slide 18: WOM Finance
WOM Finance Revenue and Profit Before Tax Asset Quality Rp Billion -2.9% 3.18% 1,967 1,909 2.82% 2.98% 2.72% 2.42% -0.1% 0.75% 0.77% 0.88% 0.81% 0.63% 201 201 Sep-18 Sep-19 Sep-18 Dec-18 Mar-19 Jun-19 Sep-19 Revenue Profit Before Tax NPL Net NPL Gross Financing Unit Financing („000 unit) 373 Rp
Slide 19: Table of Contents
Table of Contents Executive Summary 2 Results Overview 4 Appendix Shariah Banking 14 Subsidiaries 16 Maybank Indonesia in Brief 19 Awards, Events and CSR Highlights 24 Financial Results: 9M 2019 ended 30 September 2019
Slide 20: Profile
Profile Profile* Established : 15 May 1959 Total Assets : Rp177.9 Trillion Total Equity : Rp25.9Trillion Market Capitalisation : Rp16.6 Trillion Rank #10 in terms of Assets Position in Indonesia : Rank #10 in terms of Loans Rank #10 in terms of Deposits 380 (Maybank Indonesia) # of Branches : 603 18
Slide 21: Company Ratings and Shareholdings
Company Ratings and Shareholdings Company Rating Shareholders Public Long-Term Foreign-Currency IDR BBB; Outlook Stable Short-Term Foreign-Currency IDR F2 78.98% 21.02% Viability Rating bb Support Rating 2 National Long-Term Rating AAA(idn); Outlook Stable National Short-Term Rating F1+(idn) Sukuk M
Slide 22: Board of Commissioners
Board of Commissioners Edwin Gerungan Budhi Dyah Sitawati Commissioner Independent Commissioner Datuk Abdul Farid bin Alias President Commissioner Achjar Iljas Hendar Datuk Lim Hong Tat Independent Commissioner Independent Commissioner Commissioner Page 22
Slide 23: Board of Directors
Board of Directors Thilagavathy Nadason Jenny Wiriyanto Eri Budiono Director Director Director Taswin Zakaria President Director Irvandi Ferizal Effendi Widya Permana Muhamadian Director Director Director Director Page 23
Slide 24: Table of Contents
Table of Contents Executive Summary 2 Results Overview 4 Appendix Shariah Banking 14 Subsidiaries 16 Maybank Indonesia in Brief 19 Awards, Events and CSR Highlights 24 Financial Results: 9M 2019 ended 30 September 2019
Slide 25: Awards, Events and CSR Highlights in 3Q 2019
Awards, Events and CSR Highlights in 3Q 2019 Maybank Indonesia 60th Anniversary Dinner Maybank Indonesia Blood Donation Maybank Indonesia celebrated its 60th Maybank Indonesia organized a blood donation Anniversary by organizing a gala dinner at The in cooperation with Indonesia Red Cross (PMI) Ritz
Slide 26: My Bank is Maybank! Thank You
Maybank wins hearts and =, inspires confidence through its commitment to treating M Y BANK Is customers and staff with MAYBA NK ! respect. - We make humanising y ‘- . - f financial services more than ~ just a promise but the way we do business. e ~~ sé 1 Thank You Maybank
Slide 27: PT Bank Maybank Indonesia Tbk Investor Relations
PT BANK MAYBANK INDONESIA Tbk Investor Relations Sentral Senayan III Jl. Asia Afrika No. 8, Gelora Bung Karno Jakarta 10270, Indonesia Tel : (62-21) 2922 8888 Fax : (62-21) 2922 8799 Email : InvestorRelations@maybank.co.id www.maybank.co.id Disclaimer : Please note that some of the statements in thi
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