PT Bank Maybank Indonesia Tbk Class A · IDX:BNII
PT Bank Maybank Indonesia Tbk Class A — Q1 2021 Earnings Presentation
34 slides from PT Bank Maybank Indonesia Tbk Class A's earnings presentation, Oct 17, 2021
Slide 1: Maybank Indonesia Financial Results 1Q 2021
Maybank Indonesia Financial Results 1Q 2021 ended 31 March 2021 Humanising Financial Services 1
Slide 2: Table of Contents
Table of Contents Executive Summary 2 Results Overview 5 Shariah Banking 15 Digital Banking 17 Subsidiaries 20 Update on Covid-19 23 Appendix Maybank Indonesia in Brief 25 Events, Awards, and CSR Highlights 30
Slide 3: 1Q 2021 Executive Summary (1/2)
1Q 2021 Executive Summary* (1/2) 1 • PBT and PATAMI booked at Rp501 billion and Rp381 billion, or down by 31.8% and 29.3% YoY respectively mainly due to reduced income from the reduction in loans and slowdown in business activities during the pandemic. This was slightly offset by efficiencies in int
Slide 4: 1Q 2021 Executive Summary (2/2)
1Q 2021 Executive Summary (2/2) 3 • Funding profile improved as reflected in improvement CASA ratio to 40.99%. Total deposits marginally down by 0.1% Liquidity and driven by lower TD by 5.9%. Meanwhile CASA increased by 9.6% driven by a strong 23.3% Current Account growth, in line with the Bank’s st
Slide 5: Table of Contents
Table of Contents Executive Summary 2 Results Overview 5 Shariah Banking 15 Digital Banking 17 Subsidiaries 20 Update on Covid-19 23 Appendix Maybank Indonesia in Brief 25 Events, Awards, and CSR Highlights 30
Slide 6: Income Statement - Consolidated
Income Statement - Consolidated Rp billion 1Q 2021 1Q 2020 YoY 4Q 2020 QoQ Interest Income 2,866 3,554 -19.4% 2,923 -2.0% Interest Expense (1,118) (1,530) -26.9% (1,276) -12.4% Net Interest Income 1,748 2,024 -13.7% 1,647 6.1% Non Interest Income 453 598 -24.2%*) 650 -30.2% Gross Operating Income 2,
Slide 7: Loans
Loans The overall decline in loans growth is still affected by the pandemic LDR & Total Loans Rp trillion Loans Portfolio Breakdown* Rp trillion Mar-21 Dec-20 Mar-20 YoY QoQ Global Banking 33.1 34.5 35.5 -6.8% -4.0% CFS 68.6 70.8 87.4 -21.5% -3.0% CFS Non-Retail 35.5 36.7 46.3 -23.3% -3.3% Business
Slide 8: Asset Quality
Asset Quality The deterioration is mainly due to lower loan balance (denominator) as the NPL and impaired balance were booked lower compared to a year ago 6.27% 5.75% 5.68% 5.04% 5.24% Impaired Loans Impaired Loans - Gross (consolidated) 3.72% 3.60% 3.33% Impaired Loans - Net 3.11% 3.15% Mar-20 Jun-
Slide 9: Customer Deposits
Customer Deposits CASA ratio exceeds 40% as the Bank continued to reduce cost of fund Customer Deposits by Business Segment Customer Deposits Breakdown 19% Rp trillion Mar-21 Dec-20 Mar-20 YoY QoQ 23% Current Account 26.9 24.6 21.8 23.3% 9.4% Current Account Mar-20 Saving Account Mar-21 Saving Accou
Slide 10: Fee Income
Fee Income Rp billion -24.2% YoY 18.1% YoY -33.3% YoY -111.9% YoY -14.8% YoY 598 453 361 307 Mar-20 Mar-21 111 94 66 77 44 -9 Total Fee Income Fees and commissions Gains on foreign exchange Gains/loss on sale of Other fee income other than from loans transaction - net trading securities an
Slide 11: Operating Expenses (Opex)
Operating Expenses (Opex) Opex effectively managed and declined by 11.4% yoy Rp billion -11.4% YoY -0.5% YoY -19.0% YoY 1,604 1,421 946 766 Mar-20 658 655 Mar-21 Total Operating Personnel G&A Expenses Breakdown of G&A Mar-21 Mar-20 YoY General 415 507 -18.1% Rental 16 54 -70.1% Depreciation an
Slide 12: Strong Capital Position
Strong Capital Position 25.27% 24.31% 23.47% 22.10% 20.64% 127,172 119,582 113,585 111,661 106,319 26,244 26,423 26,658 27,147 26,869 Mar-20 Jun-20 Sep-20 Dec-20 Mar-21 Risk Weighted Assets (Rp Billion) Total Capital (Rp Billion) CAR Capital Ratios Mar-20 Jun-20 Sep-20 Dec-20 Mar-21 YoY QoQ Tier I 1
Slide 13: Balance Sheet - Consolidated
Balance Sheet - Consolidated Rp billion Mar-21 Dec-20 Mar-20 YoY QoQ Loans 101,744 105,271 122,944 -17.2% -3.4% Other Earning Assets 58,792 54,053 40,406 45.5% 8.8% Other Assets 13,172 13,900 18,118 -27.3% -5.2% Total Assets 173,708 173,224 181,468 -4.3% 0.3% Deposits from Customer 117,071 115,003 1
Slide 14: Financial Ratios
Financial Ratios Mar-21 Dec-20 Mar-20 YoY Mar-21 Dec-20 Mar-20 YoY Consolidated Bank Only a b c (a-c) a b c (a-c) Profitability Profitability Return On Assets 1.15% 1.04% 1.62% -0.47% Return On Assets 0.89% 0.82% 1.37% -0.49% Return On Equity (Tier 1) 6.00% 5.13% 8.96% -2.96% Return On Equity (Tier
Slide 15: Table of Contents
Table of Contents Executive Summary 2 Results Overview 5 Shariah Banking 15 Digital Banking 17 Subsidiaries 20 Update on Covid-19 23 Appendix Maybank Indonesia in Brief 25 Events, Awards, and CSR Highlights 30
Slide 16: Shariah Banking
Shariah Banking Shariah Financing Shariah Total Asset Shariah Deposits Rp billion Rp billion 13.2% Rp billion 3.5% 12.9% 35,877 29,505 25,290 26,061 24,445 31,776 Mar-20 Mar-21 Mar-20 Mar-21 Mar-20 Mar-21 Shariah Financing increased by 3.5% to Rp25.3 trillion, contributing 24.9% to the Bank’
Slide 17: Table of Contents
Table of Contents Executive Summary 2 Results Overview 5 Shariah Banking 15 Digital Banking 17 Subsidiaries 20 Update on Covid-19 23 Appendix Maybank Indonesia in Brief 25 Events, Awards, and CSR Highlights 30
Slide 18: Digital Initiatives
Digital Initiatives M2U Digital Onboarding QR Pay • 56% YoY growth in the number of • In Q1 2021, more than 32K • QR Pay transactions conducted M2U App monetary transactions funding accounts opened through M2U in Q1 2021 reach with more than 3 million digitally through M2U with more than 320K transa
Slide 19: New Features Launched in 1Q 2021
New Features Launched in 1Q 2021 Secure2u for More Convenient & Secure Transaction • To improve customer experience in transacting using M2U, Maybank launch Secure2u for more convenient, faster and secure transaction. With Secure2u, customer only need to use Secure2u passcode to do transaction, no n
Slide 20: Table of Contents
Table of Contents Executive Summary 2 Results Overview 5 Shariah Banking 15 Digital Banking 17 Subsidiaries 20 Update on Covid-19 23 Appendix Maybank Indonesia in Brief 25 Events, Awards, and CSR Highlights 30
Slide 21: Maybank Finance
Maybank Finance Revenue and Profit Before Tax Asset Quality Rp billion -20.2% 308 0.75% 246 0.52% 0.41% -12.8% 0.26% 0.31% 0.44% 121 106 0.24% 0.20% 0.15% 0.17% Mar-20 Mar-21 Mar-20 Jun-20 Sep-20 Dec-20 Mar-21 Revenue Profit Before Tax NPL Net NPL Gross Financing Unit Financing (unit) Rp billion
Slide 22: WOM Finance
WOM Finance Revenue and Profit Before Tax Asset Quality Rp billion -39.7% 634 5.61% 6.05% 2.12% 2.78% 2.48% 382 -46.8% 2.59% 2.81% 1.20% 1.16% 0.68% 57 31 Mar-20 Mar-21 Mar-20 Jun-20 Sep-20 Dec-20 Mar-21 Revenue Profit Before Tax NPL Net NPL Gross Financing Unit Financing (‘000 unit) Rp billion
Slide 23: Table of Contents
Table of Contents Executive Summary 2 Results Overview 5 Shariah Banking 15 Digital Banking 17 Subsidiaries 20 Update on Covid-19 23 Appendix Maybank Indonesia in Brief 25 Events, Awards, and CSR Highlights 30
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 15 Digital Banking 17 Subsidiaries 20 Update on Covid-19 23 Appendix Maybank Indonesia in Brief 25 Events, Awards, and CSR Highlights 30
Slide 26: Profile
Profile Profile* Established : 15 May 1959 Total Assets : Rp173.7 trillion Total Equity : Rp27.2 trillion Market Capitalization : Rp27.6 trillion Rank #11 in terms of Assets Position in Indonesia** : Rank #11 in terms of Loans Rank #11 in terms of Deposits 362 (Maybank Indonesia) # of Branches : 570
Slide 27: Company Ratings & Shareholdings
Company Ratings & Shareholdings Company Ratings Shareholding Structure As of March 2021 As of February 2021 Malayan Banking Berhad Long-Term Foreign-Currency IDR BBB; Stable Outlook Short-Term Foreign-Currency IDR F2 Sorak Financial Maybank Offshore Corporate Viability Rating bb Public Holdings Pte.
Slide 28: Board of Commissioners
Board of Commissioners Datuk Abdul Farid bin Alias Edwin Gerungan Datuk Lim Hong Tat President Commissioner Commissioner Commissioner Budhi Dyah Sitawati Achjar Iljas Hendar Putut Eko Bayuseno* Independent Commissioner Independent Commissioner Independent Commissioner Independent Commissioner *) App
Slide 29: 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 *) Appointed at AGM held on 26 March 2021 and will be effe
Slide 30: Table of Contents
Table of Contents Executive Summary 2 Results Overview 5 Shariah Banking 15 Digital Banking 17 Subsidiaries 20 Update on Covid-19 23 Appendix Maybank Indonesia in Brief 25 Events, Awards, and CSR Highlights 30
Slide 31: Events & Awards in 1Q 2021
Events & Awards in 1Q 2021 Maybank Indonesia - Shariah Business Unit (UUS) Awarded as The Best Shariah Unit Bank Shariah Business Unit (UUS) Maybank Indonesia has been awarded as the Best Shariah Unit Bank at the Iconomics Syariah Award 2021. The award was granted to 83 players in the Islamic financ
Slide 32: CSR Activities in 1Q 2021
CSR Activites in 1Q 2021 Virtual RISE (Reach Independence and Sustainable Entrepreneurship) 2.0 Program for People with Disabilities from East Java, West Java & East Nusa Tenggara Maybank Indonesia and Maybank Foundation with People System Consultancy continue the implementation 4 series of RISE 2.0
Slide 33: Thank You
Thank You Humanising Financial Services
Slide 34: 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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