Pt Bank Maybank Indonesia Tbk Class A · IDX:BNII
Pt Bank Maybank Indonesia Tbk Class A — Q1 2026 Earnings Presentation
40 slides from Pt Bank Maybank Indonesia Tbk Class A's earnings presentation, 2026
Slide 1: Maybank Indonesia Financial Results 1Q 2026
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 5.61% 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% Amid global challenges, 1Q 2024 2Q 2024 3Q 2024 4Q 2024 1Q 2025 2Q 2025 3Q 2025 4Q 2025 1Q
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 2026 1989 2015 Established in • Obtained license for Acquired by Malayan • Launched the Shariah Launched the new Provided Indonesia’s first TIME Asia-Pacific's Best 15 May 1959 foreign exchange Banking Berhad First Strategy M2U mobile banking ever Shariah
Slide 6: Board of Commissioners
Board of Commissioners Dato’ Zulkiflee Abbas Abdul Hamid* Dato’ ‘Sri Khairussaleh Ramli** Datuk Lim Hong Tat DR. Hasnita Dato’Hashim* President Commissioner Commissioner Commissioner Commissioner Hendar Putut Eko Bayuseno Marina R. Tusin Daniel James Rompas Independent Commissioner Independent Commi
Slide 7: Board of Directors
Board of Directors Steffano Ridwan Irvandi Ferizal Effendi Widya Permana Bambang Andri Irawan President Director Director Director Director Director Yessika Effendi Romy Hardiansyah Shaiful Adhli Yazid Bianto Surodjo Mariana Husin* Director Director Director Director Director * Effective after obtai
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: Profit before tax stood at Rp397 billion 1Q 2026
Summary Highlights Profit Before Tax & Minority Interest Net Interest Income (NII) Rp billion Rp billion 21.5% 2.1% 1Q 2026 vs 1Q 2025 1,778 1,815 506 397 Profit before tax stood at Rp397 billion 1Q 2026 Mar-25 Mar-26 Mar-25 Mar-26 The Bank recorded Net Non-Interest Income (NoII) Net Interest Ma
Slide 10: Loan & Deposit Growth
Loan Deposit Rp billion 0.2% Rp billion 6.1% 122,217 121,994 111,504 118,353 Loan & Deposit Growth • Total outstanding loans remained Mar-25 Mar-26 Mar-25 Mar-26 relatively flat at Rp122.0 trillion, declining only GIL CASA Ratio 8.17% by 0.2% YoY. 0.18% 4.13% 53.05% 61.22% • Total customer 3
Slide 11: Shariah Business Unit
Shariah Business Unit Asset Financing Rp trillion 4.4% Rp trillion 10.4% 41.5 43.4 29.2 32.2 • Shariah Banking recorded a Profit Before Tax of Rp226 billion, an increase of 52.1% Y-o-Y from Rp149 billion in the same period last year. Mar-25 Mar-26 Mar-25 Mar-26 • Shariah CFS financing increased
Slide 12: Subsidiaries
Subsidiaries Maybank Finance PBT WOM Finance PBT Rp billion Rp billion • Maybank Finance’s four-wheeled financing 24.6% 177 80 58.1% 142 grew 12.7% to Rp8.6 trillion, despite 33 challenging automotive industry sales. • Amid a slowdown in the Mar-25 Mar-26 Mar-25 Mar-26 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 1Q 2026 1Q 2025 YoY 4Q 2025 QoQ Interest Income 3,134 3,345 -6.3% 3,242 -3.3% Interest Expense (1,319) (1,567) 15.8% (1,394) -5.4% Net Interest Income 1,815 1,778 2.1% 1,848 -1.8% GM-related 20 107 -81.6% 141 -86.1% Non GM-related 382 464 -17.6% 606 -36.9%
Slide 15: Maintain disciplined pricing to drive margin forward
Maintain disciplined pricing to drive margin forward NII & NIM NoII Composition 4.33% 4.34% 24.30% 18.14% Total 2.1% 29.6% Recovery 571 NII (Rp bn) 71 Forex 1,815 NIM (%) 62 402 1,778 45 MS 40 97 23 93 Fee & commissions other than loans Others 296 249 NoII to Total Income (4) (%) Mar-25 Mar-26 M
Slide 16: Driving portfolio expansion across priority segments: SMEs, Large Local Corporates, and Retail
Driving portfolio expansion across priority segments: SMEs, Large Local Corporates, and Retail Loans by Currency Loans Portfolio Breakdown Rp trillion Mar-26 Dec-25 Mar-25 YoY QoQ Composition 16% 16% Global Banking 33.7 36.5 38.4 -12.4% -7.7% 27.6% CFS 88.3 87.2 83.8 5.4% 1.3% 72.4% Mar-25 Mar-26 CF
Slide 17: Asset quality resilience through portfolio recalibration and rebalancing
Asset quality resilience through portfolio recalibration and rebalancing Special Mention Loans Special Mention Loans by Segment 5.70% 5.98% 5.84% 5.48% 5.16% GB 3.34% 3.51% 3.37% 3.38% 3.08% 3.37% 3.09% 3.04% 3.03% 2.73% CFS Retail 0.78% 0.90% 0.80% 0.74% 0.70% CFS Non-Retail Mar-25 Jun-25 Sep-25 De
Slide 18: CASA improved by 22.5% to strengthen efficient funding
CASA improved by 22.5% to strengthen efficient funding Customer Deposits by Business Segment Customer Deposits Breakdown Mar-26 Dec-25 Mar-25 YoY QoQ Composition 21% 26% Current Account 50.4 44.3 36.6 37.5% 13.6% 42.6% Global Banking Mar-25 Mar-26 Saving Account 22.1 22.5 22.5 -1.9% -2.0% 18.7% CFS
Slide 19: Higher proportion of CASA supports funding stability and margin resilience
Higher proportion of CASA supports funding stability and margin resilience Liquidity Indicators 61.22% 56.23% 57.55% 53.05% 52.26% CASA Ratio 104.51% 102.00% 103.62% 99.15% 88.30% LDR 91.98% 89.13% 90.31% 85.49% 77.51% LDR (Bank only) LDR (Consolidated) 159.77% 162.93% 176.20% LCR 142.85% 150.70% 12
Slide 20: Strong capital position to support sustainable business growth
Strong capital position to support sustainable business growth 26.62% 27.07% 27.31% 26.34% 25.66% CAR 25.45% 25.90% 26.14% 25.17% 24.51% Tier I 1.15% 1.17% 1.17% 1.17% 1.17% Tier II 119,416 118,140 120,649 115,321 116,275 Risk Weighted Asset (Rp billion) 30,643 30,697 31,472 32,265 31,785 Total Capi
Slide 21: Balance Sheet - Consolidated
Balance Sheet - Consolidated Rp billion Mar-26 Dec-25 Mar-25 YoY QoQ Loans 121,994 123,637 122,217 -0.2% -1.3% Other Earning Assets 50,122 49,905 46,771 7.2% 0.4% Other Assets 20,051 20,176 20,822 -3.7% -0.6% Total Assets 192,167 193,718 189,810 1.2% -0.8% Deposits from Customer 118,353 116,194 111,
Slide 22: Financial Ratios
Financial Ratios Consolidated Bank Only Mar-26 Dec-25 Mar-25 YoY QoQ Mar-26 Dec-25 Mar-25 YoY QoQ Profitability Return On Assets 0.83% 1.16% 1.07% -0.24% -0.33% 0.48% 0.94% 1.13% -0.65% -0.46% Return On Equity 3.94% 5.54% 5.14% -1.20% -1.60% 2.74% 5.38% 7.29% -4.55% -2.64% Net Interest Margin 4.34%
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's PBT increased by 52.1% to Rp226 billion
Shariah Business Unit’s (UUS) PBT increased by 52.1% to Rp226 billion Financing Total Asset Deposits Rp billion Rp billion Rp billion 69.07% 57.63% 10.4% 4.4% 43,356 41,521 7.5% 35,500 32,232 33,022 29,205 TD 10,981 CASA 13,991 CASA Ratio 24,519 19,031 Mar-25 Mar-26 Mar-25 Mar-26 Mar-25 Mar-26
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 Frequency (in Mn) 21% YoY M2U financial transaction reached more than 8.6 million in Q1’26. 8.69 8.41 7.76 7.18 7.28 More than 69k saving accounts have been opened digitally through M2U in Q1’26. Transaction Growth 108.6% YoY Q1'25 Q2'25 Q3
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 Mar-26 Dec-25 Mar-25 YoY QoQ (in unit) Total Asset 8,962 8,896 8,025 11.7% 0.7% 8,613 8,480 7,645 12.7% 1.6% 46,870 Financing 42,633 Total Unit % to Total MBI Loans (%) 7.06% 6.86% 6.26% 0.80% 0.20% 39,582 YoY: 10.3% 1,107 4,419 4,2
Slide 32: WOM Finance Performance
WOM Finance Performance Balance Sheet Unit Financing Rp billion Mar-26 Dec-25 Mar-25 YoY QoQ (in unit) Total Asset 8,781 7,369 6,909 27.1% 19.2% Total Unit 6,702 6,748 6,240 7.4% -0.7% 212,259 YoY: -11.6% Financing 1,044 184,348 181,571 % to Total MBI Loans (%) 5.49% 5.46% 5.11% 0.39% 0.04% Hajj Tot
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 The Next Phase of Sustainability Leadership Impact Society Positively Environmental Social A Champion for Good that Distinguished through 01 02 helps businesses & Social Impact by Mobilising RM80 billion in Improving the lives of two communities transition to
Slide 35: Sustainable Finance Portfolio
Sustainable Finance Portfolio Support for Sustainable Development Goals Energy Efficiency Management of Sustainable Finance Portfolio reached Natural Resources and Sustainable Land Use Rp19.36 trillion as of Mar26 Contributing 18.11% to the Bank’s loan portfolio Rp900 billion Rp289 billion Renewable
Slide 36: Sustainability-related Events in 1Q 2026
Sustainability-related Events in 1Q 2026 Support for Sustainable Development Goals ESG Champion Batch 2 Kick-Off: Advancing the Sales & Service Summit Award (SSSA) 2026: Ramadhan Donation activities to foster journey towards sustainability Appreciation for Top Sustainability Hours 2025 personal deve
Slide 37: Sustainability-related Events in 1Q 2026
Sustainability-related Events in 1Q 2026 Support for Sustainable Development Goals MERASA Programme: Empowering Women HERPower Incubation Program: Fostering MSME Maybank Halal Facilitation Programme and Protecting Natural Resources growth, business incubation, and financial literacy for Women 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 1Q 2026
Awards & Events Highlights in 1Q 2026 JANUARY ● 31 JANUARY ● 27 FEBRUARY ● 8 JANUARY Maybank Indonesia held the Sales & Service Maybank Indonesia Finance Director Shaiful Adhli Maybank Indonesia announced the date of the Summit Awards (SSSA) 2026 at NICE Pantai Indah Yazid received the Best CFO 2026
Slide 40: Htummantsin
Htummantsin Financial Services Maybank fF) Maybank x) @MaybankiD Maybankid
PT Bank Maybank Indonesia — Q1 2026 Earnings Presentation on 6ix