PT Bank Maybank Indonesia Tbk Class A · IDX:BNII
PT Bank Maybank Indonesia Tbk Class A — FY2022 Earnings Presentation
37 slides from PT Bank Maybank Indonesia Tbk Class A's earnings presentation, Jul 4, 2023
Slide 1: Maybank Indonesia Financial Results FY 2022
Maybank Indonesia Financial Results FY 2022 ended 31 December 2022 Humanising Financial Services
Slide 2: Table of Contents
Table of Contents Executive Summary 2 Results Overview 5 Shariah Banking Unit 15 Digital Banking 17 Subsidiaries 20 Update on Covid-19 23 Appendix Sustainability 25 Maybank Indonesia in Brief 28 Awards, Events, and CSR Highlights 33
Slide 3: FY 2022 Executive Summary (1/2)
FY 2022 Executive Summary* (1/2) 1 • PBT recorded at Rp2.0 trillion, dipped 7.4% from Rp2.2 trillion the year before. This was primarily due to lower loan yields, following tight competition within the industry, as well as a drop in Global Markets (GM), Bancassurance and wealth management incomes. H
Slide 4: FY 2022 Executive Summary (2/2)
FY 2022 Executive Summary (2/2) 3 • Funding profile was maintained as reflected in improvement CASA ratio to 51.41%. Total deposits decreased by Liquidity and 8.0% YoY mainly from TD which decreased by 15.3% YoY, in line with the Bank’s strategy to maintain low-cost funding by leveraging the Bank's
Slide 5: Table of Contents
Table of Contents Executive Summary 2 Results Overview 5 Shariah Banking Unit 15 Digital Banking 17 Subsidiaries 20 Update on Covid-19 23 Appendix Sustainability 25 Maybank Indonesia in Brief 28 Awards, Events, and CSR Highlights 33
Slide 6: Income Statement - Consolidated
Income Statement - Consolidated Rp billion FY2022 FY2021 *) YoY 4Q 2022 3Q 2022 QoQ Interest Income 10,400 10,730 -3.1% 2,772 2,661 4.2% Interest Expense (3,192) (3,613) -11.7% (884) (818) 8.1% Net Interest Income 7,209 7,117 1.3% 1,888 1,843 2.4% GM-related fees 136 364 -62.7% 49 33 50.2% Non GM-re
Slide 7: Loans
Loans Overall loans grew YoY, driven by corporate lending and consumer loans LDR & Total Loans Rp trillion Loans Portfolio Breakdown* Rp trillion Dec-22 Sep-22 Dec-21 YoY QoQ Global Banking 40.6 45.6 38.0 7.1% -10.9% CFS 67.2 65.8 63.8 5.2% 2.1% CFS Non-Retail 28.2 28.1 29.5 -4.5% 0.4% Business Bank
Slide 8: Asset Quality
Asset Quality Improvement on asset quality YoY is due to lower NPL and impaired loans balances supported by higher loan balances Impaired Loans Impaired Loans - Gross (consolidated) Impaired Loans - Net NPL - Gross NPL (consolidated) NPL- Net Special Mention Loans Special Mention (consolidated) 8
Slide 9: Customer Deposits
Customer Deposits CASA ratio improved YoY supported by sustained reduction in cost of fund Customer Deposits by Business Segment Customer Deposits Breakdown Rp trillion Dec-22 Sep-22 Dec-21 YoY QoQ Current Account 32.4 32.4 32.4 0.2% 0.0% Saving Account 21.9 22.9 21.9 0.0% -4.4% CASA 54.3 55.4 54.3
Slide 10: Fee Income
Fee Income Rp billion -15.8% -7.4% -61.2% -64.7% -5.5% Breakdown of Other Fee Income Dec-22 Dec-21 YoY Retail administration 202 209 -3.5% Loan administration 153 129 18.5% Advisory & Arranger fees 57 59 -3.4% Collection of receivables previously written-off 109 155 -29.2% Credit card admi
Slide 11: Operating Expenses (Opex)
Operating Expenses (Opex) Opex effectively maintained with 3.6% increase YoY Rp billion 3.6% 8.0% -0.2% Breakdown of G&A Dec-22 Dec-21 YoY General 1,444 1,506 -4.1% Rental 136 139 -2.2% Depreciation and amortization 498 501 -0.6% Repairs and maintenance fixed assets 288 275 4.6% Others (includ
Slide 12: Strong Capital Position
Strong Capital Position Capital Ratios Dec-21 Mar-22 Jun-22 Sep-22 Dec-22 YoY QoQ Tier I 25.89% 25.37% 24.75% 23.58% 25.57% -0.32% 1.98% Tier II 1.21% 1.17% 1.15% 1.11% 1.08% -0.13% -0.03% Total CAR 27.10% 26.54% 25.90% 24.69% 26.65% -0.45% 1.95% 12
Slide 13: Balance Sheet - Consolidated
Balance Sheet - Consolidated Rp billion Dec-22 Sep-22 Dec-21 *) YoY QoQ Loans 107,815 111,448 101,771 5.9% -3.3% Other Earning Assets 35,008 34,682 52,688 -33.6% 0.9% Other Assets 17,991 18,732 14,255 26.2% -4.0% Total Assets 160,814 164,862 168,713 -4.7% -2.5% Deposits from Customer 105,706 107,001
Slide 14: Financial Ratios
Financial Ratios Dec-22 Sep-22 Dec-21 **) YoY Dec-22 Sep-22 Dec-21**) YoY Consolidated Bank Only a b c (a-c) a b c (a-c) Profitability Profitability Return On Assets 1.25% 1.20% 1.34% -0.09% Return On Assets 0.79% 0.80% 1.02% -0.23% Return On Equity (Tier 1) 5.44% 5.29% 6.36% -0.92% Return On Equity
Slide 15: Table of Contents
Table of Contents Executive Summary 2 Results Overview 5 Shariah Banking Unit 15 Digital Banking 17 Subsidiaries 20 Update on Covid-19 23 Appendix Sustainability 25 Maybank Indonesia in Brief 28 Awards, Events, and CSR Highlights 33
Slide 16: Shariah Banking Unit
Shariah Banking Unit Financing Total Asset Deposits Rp billion 2.1% Rp billion -3.2% Rp billion 3.1% -16.9% +19.3% TD CASA Shariah Banking Unit total assets grew by 2.1% YoY, contributing 26.9% to the Bank’s standalone assets. Shariah Banking Unit CASA grew strong by 19.3% with CASA ratio
Slide 17: Table of Contents
Table of Contents Executive Summary 2 Results Overview 5 Shariah Banking Unit 15 Digital Banking 17 Subsidiaries 20 Update on Covid-19 23 Appendix Sustainability 25 Maybank Indonesia in Brief 30 Awards, Events, and CSR Highlights 35
Slide 18: Key Highlight of Digital Initiatives Q4 22
Key Highlight of Digital Initiatives Q4 22 M2U transaction growth trend are maintained and more features have been launched M2U QR Pay M2E • 28% YoY growth in M2U • More than 200K saving • QR Pay transactions • Total transaction value as transactions volume with account have been volume conducted th
Slide 19: New Features Launched in 2022
New Features Launched in in 2022 Customer 360 View Expense Tracker Mutual Fund Switching Foreign Currency Transfer Monitor and manage all Monitor and manage Customer can now do With M2U ID App, customer can customer financial all expenses for better Switching transaction to now do foreign currency t
Slide 20: Table of Contents
Table of Contents Executive Summary 2 Results Overview 5 Shariah Banking Unit 15 Digital Banking 17 Subsidiaries 20 Update on Covid-19 23 Appendix Sustainability 25 Maybank Indonesia in Brief 28 Awards, Events, and CSR Highlights 33
Slide 21: Maybank Finance
Maybank Finance Revenue and Profit Before Tax Asset Quality Rp billion 0.5% 15.4% Financing Unit Financing (unit) Rp billion 4.8% 21
Slide 22: WOM Finance
WOM Finance Revenue and Profit Before Tax Asset Quality Rp billion 7.9% 82.3% Financing Unit Financing (‘000 unit) Rp billion 9.6% 22
Slide 23: Table of Contents
Table of Contents Executive Summary 2 Results Overview 5 Shariah Banking Unit 15 Digital Banking 17 Subsidiaries 20 Update on Covid-19 23 Appendix Sustainability 25 Maybank Indonesia in Brief 28 Awards, Events, and CSR Highlights 33
Slide 24: Loan Restructuring due to Covid-19 Pandemic Progress Update
Loan Restructuring due to Covid-19 Pandemic Progress Update Maybank Indonesia (MBI) has engaged all of its Non-Retail debtors, i.e. its corporate customers and CFS Non Retail (RSME, SME+ & BB) customers to assess their business conditions and proactively engage them on restructuring Restructurin
Slide 25: Table of Contents
Table of Contents Executive Summary 2 Results Overview 5 Shariah Banking Unit 15 Digital Banking 17 Subsidiaries 20 Update on Covid-19 23 Appendix Sustainability 25 Maybank Indonesia in Brief 28 Awards, Events, and CSR Highlights 33
Slide 26: Sustainable Finance Portfolio
Sustainable Finance Portfolio Sustainable Finance Portfolio reached Rp24.8 trillion as of Dec 2022 Contributing 25.9% to the Bank’s individual loan portfolio Efficiency energy Management of Living Products that Can Reduce Natural Resources and Use of Resources and Sustainable Use of Land Produce Les
Slide 27: Support Maybank Group Sustainability Commitment
…and to Support Maybank Group Sustainability Commitment Commitment 1: Commitment 2: Mobilizing Improve the Lives of 1 RM50 Billion Million Households in Sustainable Finance Across ASEAN by 2025 by 2025 Commitment 3: Commitment 4: Carbon Neutral Living Sustainability position for Scope 1 and 2 Achiev
Slide 28: Table of Contents
Table of Contents Executive Summary 2 Results Overview 5 Shariah Banking Unit 15 Digital Banking 17 Subsidiaries 20 Update on Covid-19 23 Appendix Sustainability 25 Maybank Indonesia in Brief 28 Awards, Events, and CSR Highlights 33
Slide 29: Profile
Profile Profile* Established : 15 May 1959 Total Assets : Rp160.8 trillion Total Equity : Rp29.5 trillion Market Capitalization : Rp17.4 trillion Rank #13 in terms of Assets Position in Indonesia** : Rank #13 in terms of Loans Rank #13 in terms of Deposits 345 (Maybank Indonesia) # of Branches : 538
Slide 30: Company Ratings & Shareholdings
Company Ratings & Shareholdings Company Ratings Shareholding Structure As of Dec 2022 As of December 2022 Malayan Banking Berhad National Long-Term Rating AAA(idn); Stable Outlook National Short-Term Rating F1+(idn) Sorak Financial Maybank Offshore Corporate Subordinated Debt AA (idn) Public Holding
Slide 31: Board of Commissioners
Board of Commissioners Dato’ Khairussaleh Ramli Edwin Gerungan Datuk Lim Hong Tat Dato’ Zulkiflee Abbas President Commissioner Commissioner Commissioner Abdul Hamid Commissioner Budhi Dyah Sitawati Achjar Iljas Hendar Putut Eko Bayuseno Independent Commissioner Independent Commissioner Independent C
Slide 32: Board of Directors
Board of Directors Taswin Zakaria Thilagavathy Nadason Irvandi Ferizal Effendi President Director Director Director Director Muhamadian Widya Permana Steffano Ridwan Ricky Antariksa Bambang Andri Irawan Director Director Director Director Director 32
Slide 33: Table of Contents
Table of Contents Executive Summary 2 Results Overview 5 Shariah Banking Unit 15 Digital Banking 17 Subsidiaries 20 Update on Covid-19 23 Appendix Sustainability 25 Maybank Indonesia in Brief 28 Awards, Events, and CSR Highlights 33
Slide 34: Awards, Events & CSR in 4Q 2022
Awards, Events & CSR in 4Q 2022 Maybank Indonesia Inaugurates Bandar Lampung Main Branch Office Relocation Bank Maybank Indonesia inaugurated its Maybank Bandar Lampung main branch office relocation to Jalan Patimura, Teluk Betung Utara, Bandar Lampung, from previously at Jalan Laksamana Malahayati,
Slide 35: Awards, Events & CSR in 4Q 2022
Awards, Events & CSR in 4Q 2022 Indonesia Net Zero Summit Maybank Indonesia supported and attended the Indonesia Net Zero Summit in Bali. The event organized by KADIN and KADIN Net Zero Hub carries the theme "Industrial Decarbonization at All Cost“. At this event, several representatives of business
Slide 36: Thank You
Thank You Humanising Financial Services
Slide 37: 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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