PT Bank Maybank Indonesia Tbk Class A · IDX:BNII
PT Bank Maybank Indonesia Tbk Class A — Q1 2022 Earnings Presentation
37 slides from PT Bank Maybank Indonesia Tbk Class A's earnings presentation, Jul 5, 2022
Slide 1: Maybank Indonesia Financial Results 1Q 2022
Maybank Indonesia Financial Results 1Q 2022 ended 31 March 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 Events and CSR Highlights 33
Slide 3: 1Q 2022 Executive Summary (1/2)
1Q 2022 Executive Summary* (1/2) 1 • PBT and PATAMI recorded at Rp562 billion and Rp388 billion, higher by 12.1% and 2.0% YoY respectively on the back of higher fee-based income, lower provisions, and efficiencies in interest expenses. • Fee income increased by 4.9% supported by increase in GM-relat
Slide 4: 1Q 2022 Executive Summary (2/2)
1Q 2022 Executive Summary (2/2) 3 • Funding profile improved as reflected in improvement CASA ratio to 47.13%. Total deposits decreased by 9.5% YoY mainly due to 18.9% decrease in TD, in line with the Bank’s strategy to reduce high cost of funding. Meanwhile, Liquidity and CASA grew 4.1% YoY. Fundin
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 Events and CSR Highlights 33
Slide 6: Income Statement - Consolidated
Income Statement - Consolidated Rp billion 1Q 2022 1Q 2021 YoY 4Q 2021 QoQ Interest Income 2,497 2,866 -12.9% 2,543 -1.8% Interest Expense (750) (1,118) -32.9% (776) -3.3% Net Interest Income 1,747 1,748 -0.1% 1,768 -1.2% Non Interest Income 475 453 4.9% 616 -22.9% Gross Operating Income 2,222 2,201
Slide 7: Loans
Loans Overall loans declined YoY, however RSME & CFS Retail (supported by auto loans & mortgage) maintained its growth momentum LDR & Total Loans Rp trillion Loans Portfolio Breakdown* Rp trillion Mar-22 Dec-21 Mar-21 YoY QoQ Global Banking 35.3 38.0 36.5 -3.4% -7.1% CFS 64.3 63.8 65.2 -1.5% 0.7% CF
Slide 8: Asset Quality
Asset Quality Improvement on asset quality YoY is due to lower NPL and impaired loans balances despite overall loan balances were lower. On QoQ basis, NPL and GIL ratio increased mainly from slower loan growth. Impaired Loans Impaired Loans - Gross (consolidated) Impaired Loans - Net NPL - Gross NPL
Slide 9: Customer Deposits
Customer Deposits CASA improved YoY supported by sustained reduction in cost of fund Customer Deposits by Business Segment Customer Deposits Breakdown Rp trillion Mar-22 Dec-21 Mar-21 YoY QoQ Current Account 27.2 32.4 26.9 1.1% -15.9% Saving Account 22.7 21.9 21.1 7.9% 3.8% CASA 50.0 54.3 48.0 4.1%
Slide 10: Fee Income
Fee Income Rp billion 4.9% -30.5% -62.3% 476.7% 13.0% Breakdown of Other Fee Income Mar-22 Mar-21 YoY Retail administration 51 53 -4.2% Loan administration 58 31 88.5% Advisory fees 10 16 -39.1% Collection of receivables previously written-off 34 28 21.5% Credit card administration 10 12 -
Slide 11: Operating Expenses (Opex)
Operating Expenses (Opex) Opex effectively managed with 1.5% YoY increase Rp billion 1.5% 5.3% -1.8% Breakdown of G&A Mar-22 Mar-21 YoY General 350 415 -15.7% Rental 17 16 8.0% Depreciation and amortization 120 125 -3.8% Repairs and maintenance fixed assets 89 89 -0.5% Others (include promotio
Slide 12: Strong Capital Position
Strong Capital Position Capital Ratios Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 YoY QoQ Tier I 23.85% 24.95% 25.37% 25.70% 25.37% 1.52% -0.34% Tier II 1.42% 1.32% 1.25% 1.21% 1.17% -0.24% -0.04% Total CAR 25.27% 26.27% 26.62% 26.91% 26.54% 1.27% -0.37% 12
Slide 13: Balance Sheet - Consolidated
Balance Sheet - Consolidated Rp billion Mar-22 Dec-21 Mar-21 YoY QoQ Loans 99,519 101,771 101,744 -2.2% -2.2% Other Earning Assets 45,829 52,688 58,792 -22.0% -13.0% Other Assets 14,398 14,300 13,172 9.3% 0.7% Total Assets 159,746 168,758 173,708 -8.0% -5.3% Deposits from Customer 105,984 114,899 11
Slide 14: Financial Ratios
Financial Ratios Mar-22 Dec-21 Mar-21 YoY Mar-22 Dec-21 Mar-21 YoY Consolidated Bank Only a b c (a-c) a b c (a-c) Profitability Profitability Return On Assets 1.41% 1.32% 1.15% 0.25% Return On Assets 1.02% 1.00% 0.89% 0.13% Return On Equity (Tier 1) 5.93% 6.29% 6.00% -0.07% Return On Equity (Tier 1)
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 Events and CSR Highlights 33
Slide 16: Shariah Banking Unit
Shariah Banking Unit Financing Total Asset Deposits Rp billion Rp billion -1.8% Rp billion -2.9% 6.8% -18.3% TD +39.7% CASA Shariah Banking Unit assets increased by 6.8% to Rp38.3 trillion, contributing 24.0% to the Bank’s consolidated assets. Shariah Banking Unit deposits down by 1.8% to
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 28 Events and CSR Highlights 33
Slide 18: Key Highlight of Digital Initiatives 1Q 22
Key Highlight of Digital Initiatives 1Q 22 M2U transaction growth trend are maintained and more features have been launched M2U QR Pay M2E • 23% YoY growth in M2U • More than 50K retail • QR Pay transactions • Total transaction value in transactions volume with saving account have been volume conduc
Slide 19: New Features Launched in 1Q 22
New Features Launched in 1Q 22 Customer 360 View Expense Tracker Goal Based Investment Monitor and manage all Monitor and manage all Plan for future spending customer financial expenses for better and needs with optimal portfolio (funding, financial and spending saving and investment lending, invest
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 Events and CSR Highlights 33
Slide 21: Maybank Finance
Maybank Finance Revenue and Profit Before Tax Asset Quality Rp billion 11.3% 29.5% Financing Unit Financing (unit) Rp billion 8.6% 21
Slide 22: WOM Finance
WOM Finance Revenue and Profit Before Tax Asset Quality Rp billion 11.3% 20.0% Financing Unit Financing (‘000 unit) Rp billion 8.3% 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 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 Events and CSR Highlights 33
Slide 26: Sustainability Commitment
Sustainability Commitment Maybank Indonesia Sustainability Commitment Banking Activities Core Focus Area Core Focus Area Vision & Mission Sustainable Bank Operations Corporate Social Objectives & Responsibility Green Building Commitments Automation & Digitization Education Human Capital Management H
Slide 27: Sustainable Finance Portfolio
Sustainable Finance Portfolio Sustainable Finance Portfolio reached Rp33.4 trillion as of Mar 2022 Contributing 37.4% to the Bank’s individual loan portfolio Efficiency energy Management of Living Green Buildings that Meet Natural Resources and National, Regional or Sustainable Use of Land Internati
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 Events and CSR Highlights 33
Slide 29: Profile
Profile Profile* Established : 15 May 1959 Total Assets : Rp159.7 trillion Total Equity : Rp28.5 trillion Market Capitalization : Rp23.2 trillion Rank #12 in terms of Assets Position in Indonesia** : Rank #13 in terms of Loans Rank #12 in terms of Deposits 355 (Maybank Indonesia) # of Branches : 553
Slide 30: Company Ratings & Shareholdings
Company Ratings & Shareholdings Company Ratings Shareholding Structure As of March 2022 As of January 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 Holdin
Slide 31: Board of Commissioners
Board of Commissioners Dato’ Sri Abdul Farid Alias* Dato’ Khairussaleh Ramli^ Edwin Gerungan Datuk Lim Hong Tat Dato’ Zulkiflee Abbas President Commissioner President Commissioner Commissioner Commissioner Abdul Hamid# Commissioner Budhi Dyah Sitawati Achjar Iljas Hendar Putut Eko Bayuseno Independe
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 David Formula* Director Director Director Director Director * Effective resign as of 18 May 2022 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 Events and CSR Highlights 33
Slide 34: Events in 1Q 2022
Events in 1Q 2022 Maybank Indonesia Sharia Business Unit (UUS) Holds Shariah Paper Competition about Sharia Economy Maybank Indonesia UUS held a panel discussion webinar with the theme “Contribution of Sharia Banking in Stimulating National Economic Growth”, followed by paper competition announcemen
Slide 35: CSR Activities in 1Q 2022
CSR Activities in 1Q 2022 Maybank Indonesia Hands Over Houses & Community Center to Earthquake Survivors in Central Sulawesi Maybank Indonesia held a symbolic handover of houses and community centres to the earthquake victims in Central Sulawesi. The assistance is realized through a collaboration be
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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