PT Bank Maybank Indonesia Tbk Class A · IDX:BNII
PT Bank Maybank Indonesia Tbk Class A — FY2016 Earnings Presentation
52 slides from PT Bank Maybank Indonesia Tbk Class A's earnings presentation, Feb 16, 2017
Slide 1: Maybank Indonesia Financial Results Full Year 2016
Maybank Indonesia Financial Results Full Year 2016 ended 31 December 2016 Jakarta, 16 February 2017
Slide 2: Table of Contents
Table of Contents Summary of FY 2016 Results Financial Performance Prospect & Outlook Maybank Indonesia in Brief Awards, Corporate Social Responsibility (CSR) & Event Highlights Page 2
Slide 3: Summary of FY 2016 Results
Summary of FY 2016 Results (All numbers are consolidated and according to Bank Indonesia classification unless otherwise stated)
Slide 4: Record FY2016 Financial Performance amidst Challenging Operating Environment (1/2)
Record FY2016 Financial Performance amidst Challenging Operating Environment Update Higher Income, positive JAWS and improved cost to income & return ratio (1/2) 1 • Significant increase in PATAMI by 71.0% (YoY) driven by robust income growth due mainly to improvement in NIM (arising from close liqu
Slide 5: Record FY2016 Financial Performance amidst Challenging Operating Environment (2/2)
Record FY2016 Financial Performance amidst Challenging Operating Environment Higher Income, positive JAWS and improved cost to income & return ratio (2/2) 4 • TOP among UUS and Rank 5 in Shariah Banking Industry (based on Nov 2016 industry data) Shariah Assets • Shariah Banking continued to demonstr
Slide 6: Financial Performance
Financial Performance Subsequent event note: Due to the proposed disposal of WOM (CSPA signed on 11 January 2017), the presentation of the 2016 audited consolidated financial statements is accordance with PSAK 58 equivalent to IFRS 5 : Non-current Assets Held for Sale and Discontinued Operations
Slide 7: Stronger & More Efficient Balance Sheet
Stronger & More Efficient Balance Sheet Dec-16 Dec-15 Financial Position - Consolidated YoY (Published) (Published) Rp Billion a b (a/b)-1 Loans 115,736 112,529 2.9% Other Earning Assets 26,333 26,567 -0.9% Other Assets 18,188 18,523 -1.8% Assets Classified as Held-for-Sale 6,423 0 N/A Total Assets
Slide 8: Robust Financial Performance Update
Robust Financial Performance Update Operating Income before provisions up by 11.1% driven by stronger balance sheet, NIM improvement and cost management Dec-16 Dec-15 Income Statement - Consolidated YoY (Published) (Published) Rp Billion a b (a/b)-1 Interest Income 13,546 12,923 4.8% Interest Expens
Slide 9: Financial Performance Additional: Quarterly Income Statement
Financial Performance Additional Quarterly proforma in accordance with accounting classification* Quarterly 2016 Income Statement - Consolidated Dec-16 Dec-15 YoY Q1-16 Q2-16 Q3-16 Q4-16 Rp Billion 3,362 3,372 3,424 3,388 Interest Income 13,546 12,923 4.8% (1,819) (1,716) (1,735) (1,669) Interest Ex
Slide 10: Significant improvement in Key Financial Ratios
Significant improvement in Key Financial Ratios Dec-16 Dec-15 Dec-16 Dec-15 Key Operating Ratio Key Operating Ratio (Published) (Published) (Published) (Published) Consolidated a b (a-b) Bank Only a b (a-b) Profitability Profitability Return On Assets 1.60% 1.08% 0.52% Return On Assets 1.48% 0.84% 0
Slide 11: Loans (1/2)
Loans (1/2) Update Global Banking recorded strong loans growth as a result of re-aligning and re-profiling of its portfolio that has been implemented by the Bank in the last two years. LFR & Total Loans (as reported) Rp Trillion Loan Portfolio Breakdown Rp Trillion Rp Trillion Dec-16 Sep-16 Dec-15 Y
Slide 12: Loans (2/2) Additional
Loans (2/2) Additional Additional breakdown (with and without WOM) Total Loans (include WOM) Rp Trillion Loan Portfolio Breakdown (include WOM) Rp Trillion Rp Trillion Dec-16 Sep-16 Jun-16 Mar-16 Dec-15 YoY 112.5 112.9 117.5 116.4 121.8 Global Banking 25.7 21.9 22.9 21.5 21.5 20.0% Business Banking
Slide 13: Asset Quality
Asset Quality Overall improvement in asset quality. However the Bank remains cautious over loan quality as businesses are still impacted by the current economic slow down Asset Quality – Maybank Indonesia Asset Quality – Maybank Indonesia Impaired Loans (consolidated) NPL (consolidated) 3.97% 3.83%
Slide 14: Loan Loss Coverage
Loan Loss Coverage • Collateral includes Allowance for losses on loans Collateral Coverage Dec’16 for NPL Loan Cash, Land & Building Allowance for losses on loans (L&B), equipment, Loan loss coverage (LLC) - GIL 1) Loan loss coverage (LLC) - NPL } Covered by Collaterals 89.9% 54.0% vehicle and vesse
Slide 15: Customer Deposits
Customer Deposits Robust funding position through increased customer deposits Deposits from Customers by Business Segment Deposits from Customers by Type Rp Trillion Dec-16 Sep-16 Dec-15 YoY QoQ Rp Trillion Dec-16 Sep-16 Dec-15 YoY QoQ Global Banking 28.5 28.6 26.7 6.9% -0.2% Current Account 20.4 18
Slide 16: Fee Income
Fee Income Rp Billion 2,135 1,967 Fee Based Income In Rp Million Dec-16 Dec-15 Consumer Financing 79 64 Retail Administration 148 215 Loan Administration 222 196 Collection of receivables previously written-off 63 36 Banking Services and Trade Finance 117 113 Treasury - Forex 90 300 Treasury - Fixed
Slide 17: Strong Capital Position
Strong Capital Position • CAR as per 31 December 2016 at 16.77% with CAR Tier 1 at 13.27%. Page 17
Slide 18: Community Financial Services (CFS) FY2016 Results
Community Financial Services (CFS) FY2016 Results
Slide 19: Community Financial Services: Overview of Loans Portfolio
Update Community Financial Services: Overview of Loans Portfolio Business Banking loans grew by 12.3% YoY Retail Banking loans decreased by 14.9% YoY Rp Trillion Rp Trillion -14.9% 12.3% 45.2 38.4 4.0 3.5 23.0 17.1 45.9 51.5 18.1 17.8 Dec-15 Dec-16 Dec-15 Dec-16 Mortgage Auto Loan Others Asset Quali
Slide 20: Efficient Margin Management through Portfolio Control
Efficient Margin Management through Portfolio Control Net Interest Income (NII) Rp Billion 15% 950 826 Dec 2015 Dec 2016 Optimized portfolio management Product/ Coverage Services PRO Well established customer, Businessman/woman Despite the tightening of liquidity condition in the market, GOLD Busine
Slide 21: Continuous enhancement on e-banking features
Continuous enhancement on e-banking features have increased both users and number of transactions consistently Maybank M2U Internet Banking Number of Users 39% 41% Maybank SMS+ Mobile Banking Number of Users 12% 35% Maybank consistently promote and enhance its e-banking services to provide customer
Slide 22: Community Financial Services Going Forward Strategy
Community Financial Services Going Forward Strategy Accelerate fee income growth through diversification revenue stream Loan growth with capital efficient strategy and improving asset quality “Leading in financial services Focus on Digital channel to activate and to communities’ ecosystem increase c
Slide 23: Global Banking FY2016 Results
Global Banking FY2016 Results
Slide 24: Global Banking
Update Global Banking Loans (Rp Trillion) A number of key deals were successfully closed in 2016 20% resulting in an asset growth of 20% YoY more than twice the FCY industry growth of 7.6% LCY 25.7 Succesfully added new corporates to the Bank‟s corporate 21.5 portfolio which is in line with
Slide 25: Transaction Banking
Transaction Banking Corporate Online (CoOl) Trade Active Clients # of clients Electronic channels, such as Corporate Online Banking Customers (CoOL) Banking, and M2E play significant role in # of clients growing transaction volumes in Maybank. We will 6% continue our focus on increasing client act
Slide 26: Global Markets
Global Markets Total Income Sales FY16 GM recorded a significant increase in Rp Billion Rp Billion revenue by 46%. This is primarily driven by outstanding performance in fixed income products 46% (all segments of trading, sales, and rates). 583 7% 194 Sales revenue on FX was well maintained desp
Slide 27: Shariah Banking FY2016 Results
Shariah Banking FY2016 Results
Slide 28: Shariah Banking
Shariah Banking Continued to record outstanding performance Shariah First strategy continue to deliver promising results: Financing increased by 61% (YoY) to Rp14.0 trillion Deposits increased by 71% (YoY) to Rp10.9 trilion Assets increased by 45% (YoY) to Rp23.2 trillion Net Profit increase
Slide 29: Maybank Indonesia Finance FY2016 Results
Maybank Indonesia Finance FY2016 Results
Slide 30: Maybank Finance
Maybank Finance Increased sales despite a reduction in the industry car sales. Asset quality maintained at healthy level Revenue and Profit Before Tax Financing IDR billion IDR billion 5,979 947 810 4,803 332 334 Dec-15 Dec-16 Dec-15 Dec-16 Revenue Profit Before Tax Asset Quality Unit Financing (uni
Slide 31: Prospect & Outlook
Prospect & Outlook
Slide 32: Market Outlook for 2017
Market Outlook for 2017 Outlook Indonesia • Indonesia‟s economy is expected to recover slightly to 5.10% GDP growth in 2017 driven by better exports performance and multiplier effects from the government‟s Key Indicator infrastructure spending. • Inflation is expected to increase to 4.28% in 2017, i
Slide 33: Strategic Priorities and Guidance for 2017
Maybank Indonesia‟s Strategic Priorities and Guidance for 2017 Key Priorities in 2017 1 Expand Fee Income Streams through product diversification and transaction banking Industry Loans Drive Cross Sell of products and services and Growth 10.0% - 12.0% 2 increase e-channel penetration 3 Maintain Marg
Slide 34: Maybank Indonesia in Brief
Maybank Indonesia in Brief
Slide 35: Profile
Profile Profile* Established : 15 May 1959 Total Assets : Rp166.7 Trillion Total Equity : Rp19.3 Trillion Market Capitalisation : Rp23.0 Trillion Position in Indonesia : Rank #10 in terms of Assets (as of Sep 2016) Rank #10 in terms of Loans Rank # 9 in terms of Deposits 428** (Maybank Indonesia) #
Slide 36: Company Rating and Shareholding
Company Rating and Shareholding Company Rating Shareholders National Long-Term Rating AAA(idn), Outlook Stable PUBLIC 78.98% National Short-Term Rating F1+(idn) 21.02% Long Term Issuer Default Rating BBB, Outlook Stable Short Term Issuer Default Rating F3 Viability Rating bb Support Rating 2 Senior
Slide 37: Board of Commissioners
Board of Commissioners Datuk Abdul Farid bin Alias Spencer Lee Tien Chye Commissioner and PCEO of Commissioner Maybank Tan Sri Megat Zaharuddin President Commissioner and Chairman of Maybank Umar Juoro Budhi Dyah Sitawati Achjar Iljas Independent Commissioner Independent Commissioner Independent Com
Slide 38: Board of Directors
Board of Directors Jenny Wiriyanto Eri Budiono Ghazali M. Rasad Director Director Director Taswin Zakaria President Director Thilagavathy Nadason Dhien Tjahajani Irvandi Ferizal Director Director Director Notes: Henky Sulistyo, former Risk Management Director of Maybank Indonesia, has resigned effec
Slide 39: Building A Strong Network Footprint and Presence across Indonesia
Building A Strong Network Footprint and Presence to Serve the Communities across Indonesia 393 Conventional 1 Micro Branch & 9 Regional Offices 9 Shariah Branches 2 Overseas Branches Branches 45 Micro Banking Services 26 Premier Wealth Center 1,633 ATM & CDM ; Access > 20.000 ATM 19 Mobil Kas Kelili
Slide 40: Integrated One Stop Financial Services Provider
Integrated One Stop Financial Services Provider Global Banking Community Financial Services (CFS) Providing banking and payment Providing banking and payment Providing banking and payment Objective solution to large local corporates solution to mid corporates, solution to the retail customers and St
Slide 41: Vision & Mission
Vision & Mission
Slide 42: Building Competitive Advantage
Building Competitive Advantage Through four pillars of Maybank Indonesia Global Banking Business Banking Retail Banking Shariah Banking MKE MSI MGAM MIF Community Distribution Compliance Human Capital Operations & IT Risk Finance MKE = Maybank Kim Eng Indonesia MGAM = Maybank GMT Asset Management MI
Slide 43: Awards, Corporate Social Responsibility (CSR) & Event Highlights
Awards, Corporate Social Responsibility (CSR) & Event Highlights
Slide 44: Service Quality Award
Service Quality Award “Legend Achievement” for Seven Consecutive Years Top Performers in Service Survey held by ISMS Trisakti & Infobank Magazine One of proof in our high quality services to maintain customer satisfaction Page 44
Slide 45: Our Awards in 2016 (1/2)
Our Awards in 2016 (1/2) Service Awards Excellent Service Experience Award (ESE Award) 2016 – in “Regular Banking” category by Carre – Center for Customer Satisfication and Loyality (Carre – CCSL) and Service Excellence Magazine, 25 February 2016. Carre Contact Center Service Excellence Awards (
Slide 46: Our Awards in 2016 (2/2)
Our Awards in 2016 (2/2) Bisnis Indonesia Banking Award 2016 The Best Performance Bank and The Best Efficient Bank for Commercial Bank BUKU III category. (19 October 2016) CG Conference & Award 2016 The Best CG Financial Sector from The Indonesian Institute for Corporate Directorship (IICD). (7 Nove
Slide 47: Event Highlights – 2016
Event Highlights – 2016 1 2 3 4 5 1. The Grand Launching of Maybank Indonesia, New Spirit to be Bigger, Better, Stronger 4. Strategic Partnership Maybank Indonesia – Jasa Marga After obtaining approval from the regulator regarding the changing of company‟s name Maybank Indonesia provided financing f
Slide 48: Pillars of Corporate Responsibility Programs
Pillars of Corporate Responsibility Programs Focus Area of Maybank Indonesia CSR Program, in line with the Group Provide opportunity for better education • Focus on providing Preserve environment for scholarships to young talents from underprivileged families Better future • Support banking educatio
Slide 49: Maybank Bali Marathon (MBM) 2016
Maybank Bali Marathon (MBM) 2016 Maybank Bali Marathon (MBM) 2016 was held for the fifth time. With total CSR for Gianyar Communities a Series of Maybank number of participants more than 7,000, MBM is the only marathon race in Indonesia that Bali Marathon 2016 offers Balinese unique cultural experie
Slide 50: CSR Highlights –2016
CSR Highlights –2016 Reach Independent and Sustainable Pastoral Care Maybank Foundation Scholarship Global CR Day 2016 Entrepreneurship (RISE) program As part of Maybank Foundation Scholarship Program, The seventh Maybank Global CR Day was attended by Maybank Indonesia together with Maybank Maybank
Slide 51: MY BANK IS MAYBANK!
Maybank wins hearts and =, inspires confidence through its commitment to treating M Y BANK IS customers and staff with MAYBA N K ! respect. - We make humanising y ‘- . - f financial services more than ~ just a promise but the way we do business. e Thank You Maybank
Slide 52: 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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