Pt Bank Maybank Indonesia Tbk Class A · IDX:BNII
Pt Bank Maybank Indonesia Tbk Class A — Maybank Indonesia — FY2025 Earnings Presentation
41 slides from Pt Bank Maybank Indonesia Tbk Class A's earnings presentation, 2025
Slide 1: Maybank Indonesia Financial Results FY 2025
Disclaimer: The contents of this document/information remain the intellectual property of Maybank and no part of this is to be reproduced or transmitted in any form or by any means, including electronically, photocopying, recording or in any information storage and retrieval system without the permi
Slide 2: Table of Contents
Table of Contents Maybank Macro- Executive Results Shariah Indonesia in economics Brief Summary Overview Business Unit 2 4 2 8 16 13 23 18 Awards and Digital Subsidiaries Sustainability Events Banking Highlights 20 25 30 20 25 33 38 29
Slide 3: Macroeconomics and Industry Updates
GDP Growth Current Economic Account Macroeconomics Growth -0.9% to -0.1% 5.39% and Industry 5.11% 5.12% 4.9% to 5.7% of GDP Updates 5.05% 4.95% 5.02% 4.87% 5.04% Inflation Loan Growth 2.5% ± 1% 8% to 12% Amidst global 1Q 2024 2Q 2024 3Q 2024 4Q 2024 1Q 2025 2Q 2025 3Q 2025 4Q 2025 challenges, Indone
Slide 4: Table of Contents
Table of Contents Maybank Macro- Executive Results Shariah Indonesia in economics Brief Summary Overview Business Unit 2 2 4 8 16 13 23 18 Awards and Digital Subsidiaries Sustainability Events Banking Highlights 20 25 30 20 25 33 38 29
Slide 5: Our Presence
Our Presence 1988- 2014- 1959 2008 2019 2023 2024 1989 2015 Established in • Obtained license for Acquired by Malayan • Launched the Shariah Launched the new Provided Indonesia’s first TIME World’s Best 15 May 1959 foreign exchange Banking Berhad First Strategy M2U mobile banking ever Shariah Wealth
Slide 6: Board of Commissioners
Board of Commissioners Dato’ Khairussaleh Ramli Edwin Gerungan Datuk Lim Hong Tat Dato’ Zulkiflee Abbas Abdul Hamid President Commissioner Commissioner Commissioner Commissioner Hendar Putut Eko Bayuseno Marina R. Tusin Daniel James Rompas Independent Commissioner Independent Commissioner Independen
Slide 7: Board of Directors
Board of Directors Steffano Ridwan Irvandi Ferizal Effendi Widya Permana Ricky Antariksa President Director Director Director Director Director Bambang Andri Irawan Yessika Effendi Romy Hardiansyah Shaiful Adhli Yazid Bianto Surodjo Director Director Director Director Director 7
Slide 8: Table of Contents
Table of Contents Maybank Macro- Executive Results Shariah Indonesia in economics Brief Summary Overview Business Unit 2 4 2 8 16 13 23 18 Awards and Digital Subsidiaries Sustainability Events Banking Highlights 20 25 30 20 25 33 38 29
Slide 9: Summary Highlights: Profit before tax recorded at Rp2.2 trillion FY 2025
Summary Highlights Profit Before Tax & Minority Interest Net Interest Income (NII) Rp billion Rp billion 38.9% 1.6% FY 2025 vs FY 2024 7,105 7,222 2,223 1,600 Profit before tax recorded at Rp2.2 trillion FY 2025 Dec-24 Dec-25 Dec-24 Dec-25 The Bank recorded a 38.9% Non-Interest Income (NoII) Net
Slide 10: Loan & Deposit Growth
Loan Deposit Rp billion 3.1% Rp billion 2.4% 127,581 123,637 119,004 116,194 Loan & Deposit Growth • Total outstanding loans slightly Dec-24 Dec-25 Dec-24 Dec-25 decreased by 3.1% YoY to Rp123.6 trillion, GIL CASA Ratio 4.69% following portfolio 0.03% rebalancing. 57.55% 52.86% 3.90% 3.87% •
Slide 11: Shariah Business Unit
Shariah Business Unit Asset Financing Rp trillion 2.7% Rp trillion 3.9% 43.0 44.1 31.7 30.5 • Shariah recorded a surge of 104.0% in PBT driven by stronger revenue and disciplined cost management. • Shariah financing under Community Dec-24 Dec-25 Dec-24 Dec-25 Financial Services (CFS) grew 10.6%
Slide 12: Subsidiaries
Subsidiaries Maybank Finance PBT WOM Finance PBT Rp billion Rp billion • Maybank Finance’s four-wheeled financing 2.1% 329 46.9% grew 6.7% to Rp8.5 581 593 175 trillion, despite challenging automotive industry sales. • Amid a slowdown in the Dec-24 Dec-25 Dec-24 Dec-25 automotive market, WOM Fin
Slide 13: Table of Contents
Table of Contents Maybank Macro- Executive Results Shariah Indonesia in economics Brief Summary Overview Business Unit 2 4 2 8 13 16 23 18 Awards and Digital Subsidiaries Sustainability Events Banking Highlights 20 25 30 20 25 33 38 29
Slide 14: Income Statement - Consolidated
Income Statement - Consolidated Rp billion FY 2025 FY 2024 YoY 4Q 2025 3Q 2025 QoQ 4Q 2024 YoY Interest Income 13,206 13,062 1.1% 3,242 3,327 -2.6% 3,407 -4.8% Interest Expense (5,984) (5,957) 0.5% (1,394) (1,528) -8.8% (1,631) -14.5% Net Interest Income 7,222 7,105 1.6% 1,848 1,799 2.7% 1,776 4.0%
Slide 15: Maintain disciplined pricing to drive margin forward
Maintain disciplined pricing to drive margin forward NII & NIM NoII Composition 4.37% 4.31% 24.37% 23.25% 7,105 7,222 2,152 2,327 Total 8.2% 1.6% 455 Recovery 645 NII (Rp bn) 92 124 Forex 350 NIM (%) 369 360 MS Fee & commissions other than loans 1,240 1,070 Others NoII to Total Income (226) (%)
Slide 16: Accelerating portfolio growth across high-value segments
Accelerating portfolio growth across high-value segments: SMEs, Large Local Corporates & Retail Loans by Currency Loans Portfolio Breakdown 16% 15% Rp trillion Dec-25 Sep-25 Dec-24 YoY QoQ Composition Global Banking 36.5 34.4 44.7 -18.4% 6.1% 29.5% Dec-24 Dec-25 CFS 87.2 86.1 82.9 5.2% 1.3% 70.5% CF
Slide 17: Portfolio recalibration & rebalancing maintains sound asset quality
Portfolio recalibration & rebalancing maintains sound asset quality Special Mention Loans Special Mention Loans by Segment 5.70% 5.98% 5.48% 5.16% 4.97% GB 3.34% 3.51% 3.37% 2.87% 3.04% 3.08% 3.37% 3.03% 2.73% CFS Retail 2.58% 0.67% 0.78% 0.90% 0.80% 0.73% CFS Non-Retail Dec-24 Mar-25 Jun-25 Sep-25
Slide 18: CASA improved by 6.3% to strengthen efficient funding
CASA improved by 6.3% to strengthen efficient funding Customer Deposits by Business Segment Customer Deposits Breakdown Dec-25 Sep-25 Dec-24 YoY QoQ Composition 25% 26% Current Account 44.3 44.8 39.6 12.0% -0.9% 38.2% Global Banking Dec-24 Dec-25 Saving Account 22.5 23.8 23.3 -3.3% -5.4% 19.4% CFS 7
Slide 19: Higher proportion of CASA supports funding stability and margin resilience
Higher proportion of CASA supports funding stability and margin resilience Liquidity Indicators 56.23% 57.55% 52.86% 53.05% 52.26% CASA Ratio 101.85% 104.51% 102.00% 103.62% 88.30% LDR 89.84% 91.98% 89.13% 90.31% 77.51% LDR (Bank only) LDR (Consolidated) 185.35% 176.20% 159.77% 162.93% LCR 142.85% 1
Slide 20: Strong and sufficient capital position to support business growth
Strong and sufficient capital position to support business growth 26.62% 27.07% 27.31% 25.55% 25.66% CAR 25.45% 25.90% 26.14% 24.39% 24.51% Tier I 1.16% 1.15% 1.17% 1.17% 1.17% Tier II 118,398 119,416 116,275 118,140 115,321 Risk Weighted Asset (Rp billion) 30,256 30,643 30,697 31,472 32,265 Total C
Slide 21: Balance Sheet - Consolidated
Balance Sheet - Consolidated Rp billion Dec-25 Sep-25 Dec-24 YoY QoQ Loans 123,637 120,416 127,581 -3.1% 2.7% Other Earning Assets 49,905 58,520 48,308 3.3% -14.7% Other Assets 20,176 19,021 21,291 -5.2% 6.1% Total Assets 193,718 197,957 197,180 -1.8% -2.1% Deposits from Customer 116,194 131,213 119
Slide 22: Financial Ratios
Financial Ratios Consolidated Bank Only Dec-25 Sep-25 Dec-24 YoY QoQ Dec-25 Sep-25 Dec-24 YoY QoQ Profitability Return On Assets 1.16% 0.91% 0.85% 0.31% 0.25% 0.94% 0.72% 0.54% 0.40% 0.22% Return On Equity 5.54% 4.46% 3.93% 1.61% 1.08% 5.38% 4.40% 3.05% 2.33% 0.98% Net Interest Margin 4.31% 4.29% 4.
Slide 23: Table of Contents
Table of Contents Maybank Macro- Executive Results Shariah Indonesia in economics Brief Summary Overview Business Unit 2 4 2 8 16 13 23 18 Awards and Digital Subsidiaries Sustainability Events Banking Highlights 20 25 30 20 25 33 38 25
Slide 24: Shariah Business Unit PBT surge 104.0% to Rp847 billion
Shariah Business Unit’s (UUS) PBT surge 104.0% to Rp847 billion, supported by lower cost of funds and provision Financing Total Asset Deposits Rp billion Rp billion Rp billion 64.78% 55.02% 3.9% 2.7% 42,964 44,128 36,784 10.4% 31,749 30,515 32,951 TD 16,545 11,606 CASA CASA Ratio 21,345 20,238
Slide 25: Table of Contents
Table of Contents Maybank Macro- Executive Results Shariah Indonesia in economics Brief Summary Overview Business Unit 2 4 2 8 16 13 23 18 Awards and Digital Subsidiaries Sustainability Events Banking Highlights 25 20 30 20 25 33 38 25
Slide 26: M2U's Financial Transaction volume keeps growing
M2U’s Financial Transaction volume keeps growing 1. M2U Txn Volume (IDR Tn) 37.63 38.50 36.79 35.46 35.27 11.6% YoY growth in transaction volume with more than IDR146.8 trillion in 2025. 23.4% YoY M2U financial transaction reached more than 30.6 million in 2025. Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 2. M2U
Slide 27: Managing finance easily with the M2U ID App's 360 Digital Wealth Feature
M2U ID offers a comprehensive investment solution through a fully STP online system, enabling customers to seamlessly open and access a wide Managing finance easily with the M2U ID App’s range of investment products, including Fixed 360 Digital Wealth Feature Deposits, Mutual Funds, Bonds & Gold whi
Slide 28: From Today's Decisions to Tomorrow's Wealth, All in M2U ID App
From Today’s Decisions to Tomorrow’s Wealth, All in M2U ID App for Smarter Financial Planning Digital Wealth in M2U ID App supports customers’ long-term financial aspirations by providing seamless access to Mutual Funds, Bonds, Gold and Bancassurance through a single digital platform, enabling portf
Slide 29: Scalling Financing Through End-to-End Digital Journey
Scalling Financing Through End-to-End Digital Journey Digital Financing in M2U supports sustainable growth by enabling end-to- end digital onboarding and management of credit cards and personal loans through the M2U ID App. The platform enhances customer convenience and operational efficiency via fu
Slide 30: Table of Contents
Table of Contents Maybank Macro- Executive Results Shariah Indonesia in economics Brief Summary Overview Business Unit 2 4 2 8 16 13 23 18 Awards and Digital Subsidiaries Sustainability Events Banking Highlights 20 25 30 20 25 33 38 25
Slide 31: Maybank Finance Performance
Maybank Finance Performance Balance Sheet Unit Financing Rp billion Dec-25 Sep-25 Dec-24 YoY QoQ (in unit) Total Asset 8,894 7,858 8,235 8.0% 13.2% 46,870 Financing 8,480 7,427 7,944 6.7% 14.2% 44,409 Total Unit 42,633 39,582 YoY: 18.4% % to Total MBI Loans (%) 6.86% 6.17% 6.23% 0.63% 0.69% 1,107 34
Slide 32: WOM Finance Performance
WOM Finance Performance Balance Sheet Unit Financing Rp billion Dec-25 Sep-25 Dec-24 YoY QoQ (in ‘000 unit) Total Asset 7,369 7,313 6,946 6.1% 0.8% Total Unit 212 Financing 6,748 6,521 6,205 8.8% 3.5% 201 YoY: 34.4% 1 184 182 % to Total MBI Loans (%) 5.46% 5.42% 4.86% 0.59% 0.04% 1 Hajj Total Equity
Slide 33: Table of Contents
Table of Contents Maybank Macro- Executive Results Shariah Indonesia in economics Brief Summary Overview Business Unit 2 4 2 8 16 13 23 18 Awards and Digital Subsidiaries Sustainability Events Banking Highlights 20 25 30 20 33 25 38 25
Slide 34: Maybank's Commitments on Sustainability
Maybank’s Commitments on Sustainability Maybank Group has formulated a long-term action plan to 01 02 reinforce its commitment to sustainability. By focusing on the three main pillars of ESG, Maybank Group strives to create sustainable value for all stakeholders. In line with this vision, Maybank In
Slide 35: Sustainable Finance Portfolio
Sustainable Finance Portfolio Support for Sustainable Development Goals Energy Efficiency Management of Sustainable Finance Portfolio Natural Resources and Sustainable Land Use reached Rp21.23 trillion as of Dec25 Contributing 19.55% to the Bank’s loan portfolio Rp901 billion Rp1.79 trillion Renewab
Slide 36: Sustainability-related Events in 12M 2025
Support for Sustainable Development Goals Sustainability-related Events in 12M 2025 Maybank Sustainability Series 2025 Launching the MERASA Programme: Maybank Cycling Series Il Festino 2025: Empowering Women and Protecting Natural Gowes Ke-BIKE-an Resources The Maybank Sustainability Series 2025 is
Slide 37: Sustainability-related Events in 12M 2025
Support for Sustainable Development Goals Sustainability-related Events in 12M 2025 Living Sustainably Day: Eco pop-up Market 4th Maybank Regional Financial Education 2025 Excellence (FinEx) Awards 2025 Living Sustainably Day is an initiative to raise The Maybank Foundation, the social arm of Mayban
Slide 38: Table of Contents
Table of Contents Maybank Macro- Executive Results Shariah Indonesia in economics Brief Summary Overview Business Unit 2 4 2 8 16 13 23 18 Awards and Digital Subsidiaries Sustainability Events Banking Highlights 20 25 30 20 25 33 38 29
Slide 39: Awards & Events Highlights in 4Q 2025
Awards & Events Highlights in 4Q 2025 OCTOBER ● 22 OCTOBER ● 10 NOVEMBER ● 12 OCTOBER Maybank Indonesia held Business Forum for Maybank Indonesia was appointed as Custodian Maybank Indonesia formed strategic Customer in Petrochemical Industry in of KIK EBA Syariah for the issuance of the BRI-MI part
Slide 40: Awards & Events Highlights in 4Q 2025
Awards & Events Highlights in 4Q 2025 ● 30 NOVEMBER ● 1 DECEMBER ● 23 DECEMBER Maybank Indonesia held Maybank Cycling Series Maybank Indonesia & UGM Strengthen Synergy Maybank Indonesia is supporting flood recovery Il Festino 2025. This event is a part of Maybank to Advance the Sharia Financial Serv
Slide 41: Htummantsin
Htummantsin Financial Services Maybank fF) Maybank x) @MaybankiD Maybankid