PT Bank Maybank Indonesia Tbk Class A · IDX:BNII
PT Bank Maybank Indonesia Tbk Class A — Q1 2023 Earnings Presentation
36 slides from PT Bank Maybank Indonesia Tbk Class A's earnings presentation, Jul 4, 2023
Slide 1: Maybank Indonesia Financial Results 1Q 2023
Maybank Indonesia Financial Results 1Q 2023 ended 31 March 2023 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 19 Update on Covid-19 22 Appendix Sustainability 24 Maybank Indonesia in Brief 27 Awards, Events, and CSR Highlights 32
Slide 3: 1Q 2023 Executive Summary (1/2)
1Q 2023 Executive Summary* (1/2) 1 • PBT and PATAMI recorded at Rp750 billion and Rp566 billion respectively, increased by 33.3% and 45.7% respectively, This was derived from improved earning assets composition due to increase in loans, higher fee income primarily from GM, and subsidiaries’ strong p
Slide 4: 1Q 2023 Executive Summary (2/2)
1Q 2023 Executive Summary (2/2) 3 • Funding profile was maintained as reflected in improvement CASA ratio to 51.88% as CASA balances increased 7.6% YoY. Liquidity and • Total deposits decreased by 2.2% YoY due to drop in TD by 11.0% to Rp49.9 trillion as the Bank continued to implement a strategy to
Slide 5: Table of Contents
Table of Contents Executive Summary 2 Results Overview 5 Shariah Banking Unit 15 Digital Banking 17 Subsidiaries 19 Update on Covid-19 22 Appendix Sustainability 24 Maybank Indonesia in Brief 27 Awards, Events, and CSR Highlights 32
Slide 6: Income Statement - Consolidated
Income Statement - Consolidated Rp billion 1Q 2023 1Q 2022 *) YoY 4Q 2022 QoQ Interest Income 2,837 2,497 13.6% 2,772 2.3% Interest Expense (1,030) (804) 28.1% (884) 16.5% Net Interest Income 1,807 1,693 6.7% 1,888 -4.3% GM-related fees 101 51 98.7% 49 105.8% Non GM-related fees 472 424 11.3% 390 21
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 Mar-23 Dec-22 Mar-22 YoY QoQ Global Banking 39.3 40.6 35.3 11.4% -3.3% CFS 67.9 67.2 64.3 5.7% 1.1% CFS Non-Retail 27.8 28.2 29.3 -5.0% -1.3% Business Bank
Slide 8: Asset Quality
Asset Quality Improvement on asset quality YoY is due to lower NPL and impaired loans balances strengthened 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 Mar-23 Dec-22 Mar-22 YoY QoQ Current Account 32.5 32.4 27.2 19.6% 0.3% Saving Account 21.2 21.9 22.7 -6.7% -3.2% CASA 53.8 54.3 50.
Slide 10: Fee Income
Fee Income Rp billion 20.7% 13.7% 280.8% 10.6% 10.8% Breakdown of Other Fee Income Mar-23 Mar-22 YoY Retail administration 45 51 -10.8% Loan administration 30 58 -48.9% Advisory & Arranger fees 12 10 26.2% Collection of receivables previously written-off 149 34 334.0% Credit card administr
Slide 11: Operating Expenses (Opex)
Operating Expenses (Opex) Opex maintained with 4.7% increase YoY Rp billion 4.7% 7.0% 2.4% Breakdown of G&A Mar-23 Mar-22 *) YoY General 146 142 3.1% Outsourcing services 139 134 4.1% Rental 20 22 -8.2% Depreciation and amortization 128 120 6.3% Repairs and maintenance fixed assets 94 89 6.2%
Slide 12: Strong Capital Position
Strong Capital Position Capital Ratios Mar-22 *) Jun-22 Sep-22 Dec-22 Mar-23 YoY QoQ Tier I 25.56% 24.75% 23.58% 25.57% 28.00% 2.44% 2.44% Tier II 1.17% 1.15% 1.11% 1.08% 1.11% -0.07% 0.03% Total CAR 26.73% 25.90% 24.69% 26.65% 29.11% 2.38% 2.46% * Prior Year restatement in accordance with the prono
Slide 13: Balance Sheet - Consolidated
Balance Sheet - Consolidated Rp billion Mar-23 Dec-22 Mar-22 *) YoY QoQ Loans 107,218 107,815 99,519 7.7% -0.6% Other Earning Assets 37,722 35,008 45,829 -17.7% 7.8% Other Assets 16,604 17,991 14,352 15.7% -7.7% Total Assets 161,543 160,814 159,701 1.2% 0.5% Deposits from Customer 103,612 105,706 10
Slide 14: Financial Ratios
Financial Ratios Mar-22 ) Mar-22 ) # # Mar-23 Dec-22 YoY Mar-23 Dec-22 YoY Consolidated Bank Only a b c (a-c) a b c (a-c) Profitability Profitability Return On Assets 1.86% 1.25% 1.41% 0.45% Return On Assets 2.01% 0.79% 1.02% 0.99% Return On Equity (Tier 1) 8.15% 5.44% 5.89% 2.26% 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 19 Update on Covid-19 22 Appendix Sustainability 24 Maybank Indonesia in Brief 27 Awards, Events, and CSR Highlights 32
Slide 16: Shariah Banking Unit
Shariah Banking Unit Financing Total Asset Deposits Rp billion 3.3% Rp billion 7.1% Rp billion 0.7% -8.8% +30.4% TD CASA Shariah Banking Unit total assets grew by 3.3% YoY, contributing to the Bank’s standalone assets by 26.4%. Shariah Financing grew 0.7% to Rp24.7 trillion. Shariah Bank
Slide 17: Table of Contents
Table of Contents Executive Summary 2 Results Overview 5 Shariah Banking Unit 15 Digital Banking 17 Subsidiaries 19 Update on Covid-19 22 Appendix Sustainability 24 Maybank Indonesia in Brief 27 Awards, Events, and CSR Highlights 32
Slide 18: Key Highlight of Digital Initiatives 1Q 23
Key Highlight of Digital Initiatives 1Q 23 M2U transaction growth trend are maintained and more features have been launched M2U QR Pay M2E • 22% YoY growth in M2U • More than 40K saving • QR Pay transactions • Total transaction value as transactions volume with accounts have been volume conducted of
Slide 19: Table of Contents
Table of Contents Executive Summary 2 Results Overview 5 Shariah Banking Unit 15 Digital Banking 17 Subsidiaries 19 Update on Covid-19 22 Appendix Sustainability 24 Maybank Indonesia in Brief 27 Awards, Events, and CSR Highlights 32
Slide 20: Maybank Finance
Maybank Finance Revenue and Profit Before Tax Asset Quality Rp billion -4.3% -1.6% Financing Unit Financing (unit) Rp billion 10.7% 20
Slide 21: WOM Finance
WOM Finance Revenue and Profit Before Tax Asset Quality Rp billion 10.3% 118.8% Financing Unit Financing (‘000 unit) Rp billion 18.7% 21
Slide 22: Table of Contents
Table of Contents Executive Summary 2 Results Overview 5 Shariah Banking Unit 15 Digital Banking 17 Subsidiaries 19 Update on Covid-19 22 Appendix Sustainability 24 Maybank Indonesia in Brief 27 Awards, Events, and CSR Highlights 32
Slide 23: 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 24: Table of Contents
Table of Contents Executive Summary 2 Results Overview 5 Shariah Banking Unit 15 Digital Banking 17 Subsidiaries 19 Update on Covid-19 22 Appendix Sustainability 24 Maybank Indonesia in Brief 27 Awards, Events, and CSR Highlights 32
Slide 25: Sustainable Finance Portfolio
Sustainable Finance Portfolio Sustainable Finance Portfolio reached Rp23.3 trillion as of Mar 23 Contributing 24.4% 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 Less
Slide 26: …and to Support Maybank Group Sustainability Commitment
…and to Support Maybank Group Sustainability Commitment Commitment 1: Commitment 2: Mobilising Improve the Lives of 2 RM80 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 27: Table of Contents
Table of Contents Executive Summary 2 Results Overview 5 Shariah Banking Unit 15 Digital Banking 17 Subsidiaries 19 Update on Covid-19 22 Appendix Sustainability 24 Maybank Indonesia in Brief 27 Awards, Events, and CSR Highlights 32
Slide 28: Profile
Profile Profile* Established : 15 May 1959 Total Assets : Rp161.5 trillion Total Equity : Rp29.5 trillion Market Capitalization : Rp17.5 trillion Rank #13 in terms of Assets Position in Indonesia** : Rank #13 in terms of Loans Rank #14 in terms of Deposits 344 (Maybank Indonesia) # of Branches : 540
Slide 29: Company Ratings & Shareholdings
Company Ratings & Shareholdings Company Ratings Shareholding Structure As of March 2023 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 Holdi
Slide 30: 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 31: Board of Directors
Board of Directors Taswin Zakaria Thilagavathy Nadason Irvandi Ferizal Effendi President Director Director Director Director Widya Permana Widya Permana Muhamadian Ricky Antariksa Bambang Andri Irawan Director Director Director Director Director 31
Slide 32: Table of Contents
Table of Contents Executive Summary 2 Results Overview 5 Shariah Banking Unit 15 Digital Banking 17 Subsidiaries 19 Update on Covid-19 22 Appendix Sustainability 24 Maybank Indonesia in Brief 27 Awards, Events, and CSR Highlights 32
Slide 33: Awards & Events in 1Q 2023
Awards & Events in 1Q 2023 Maybank Indonesia Wins the "Satisfaction, Loyalty, & Engagement Awards 2023" (SLE Awards 2023) The award was given by Infobank Magazine and Marketing Research Indonesia (MRI) at the "6th Satisfaction, Loyalty, Engagement Awards 2023", at ShangriLa Hotel Jakarta. The award
Slide 34: Awards & Events in 1Q 2023
Awards & Events in 1Q 2023 Shariah Banking Collaboration in SIKA Transactions Maybank Indonesia Shariah Banking Unit (UUS) and three other Shariah banks of Bank Syariah Indonesia Tbk (BSI), Bank Muamalat Indonesia, and Bank Mega Syariah signed an agreement for the interbank Shariah-based Commodity T
Slide 35: Thank You
Thank You Humanising Financial Services
Slide 36: 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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