PT Bank Maybank Indonesia Tbk Class A · IDX:BNII
PT Bank Maybank Indonesia Tbk Class A — 9M 2020 Earnings Presentation
31 slides from PT Bank Maybank Indonesia Tbk Class A's earnings presentation, October 2020
Slide 1: Maybank Indonesia Financial Results 9M 2020
Humanising Financial Services Maybank Indonesia Financial Results 9M 2020 ended 30 September 2020 www.maybank.co.id
Slide 2: Table of Contents
Table of Contents Executive Summary 2 Results Overview 5 Shariah Banking 15 Subsidiaries 17 Update on Covid-19 20 Appendix Maybank Indonesia in Brief 22 Events and CSR Highlights 27 Financial Results: 9M 2020 ended 30 September 2020
Slide 3: Executive Summary of 9M 2020 (1/2)
Executive Summary of 9M 2020* (1/2) 1 • PATAMI unchanged at Rp1.1 trillion on the back of disciplined cost management, solid growth in Shariah business and improvement in recurring fee income. • Recurring Fee income grew by 2.2%. Included in fee income last year was one-off fee following domestic ar
Slide 4: Executive Summary of 9M 2020 (2/2)
Executive Summary of 9M 2020 (2/2) 3 • Funding profile improved as reflected in YoY improvement CASA ratio to 39.67%, in which CASA Liquidity and increased by 9.8% YoY, in line with the Bank’s strategy to reduce higher cost of funding through cash management and digital banking services. Funding • H
Slide 5: Table of Contents
Table of Contents Executive Summary 2 Results Overview 5 Shariah Banking 15 Subsidiaries 17 Update on Covid-19 20 Appendix Maybank Indonesia in Brief 22 Events and CSR Highlights 27 Financial Results: 9M 2020 ended 30 September 2020
Slide 6: Income Statement - Consolidated
Income Statement - Consolidated Rp billion 9M 2020 9M 2019 YoY 3Q 2020 2Q 2020 QoQ Interest Income 9,903 11,805 -16.1% 3,016 3,333 -9.5% Interest Expense (4,290) (5,680) -24.5% (1,339) (1,421) -5.8% Net Interest Income 5,613 6,125 -8.4% 1,677 1,912 -12.3% Non Interest Income 1,730 1,862 -7.1% *) 546
Slide 7: Loans
Loans Decreased YoY due to Covid-19 pandemic and de-risking and re-profiling Business Banking portfolio, however GB continues to grow YoY supported by SOE segment. LDR & Total Loans Rp tr illion Loans Portfolio Breakdown Rp trillion 108.91% 107.64% 106.50% Sep-20 Jun-20 Sep-19 YoY QoQ 102.12% 91.42%
Slide 8: Asset Quality
Asset Quality Deteriorated YoY mainly due to lower loan balances (denominator). However, asset quality improved QoQ, and Special Mention improved to 3.82% 6.27% 5.75% 5.04% Impaired Loans - Gross Impaired Loans 4.01% 4.00% (consolidated) Impaired Loans - Net 3.72% 3.60% 3.11% 2.16% 2.31% Sep-19 Dec-
Slide 9: Customer Deposits
Customer Deposits CASA ratio improved YoY. Continued to reduce cost of fund Customer Deposits by Business Segment 17% 21% Global Banking Sep-19 Sep-20 CFS 83% 79% Customer Deposits by Type 19% 21% Current Account Sep-19 Saving Account Sep-20 17% Time Deposit 60% 18% 64% Rp Trillion Sep-20 Jun-20 Sep
Slide 10: Fee Income
Fee Income On BAU basis, Fee income increased by 2.2% YoY Rp billion -7.1% YoY -14.1% YoY +116.0% YoY +46.8% YoY -25.6% YoY 1,862 1,692 1,730 1,290 1,121 960 Sep-19 Sep-20 Rp170 billion one-off non r ecur r ing fee 292 336 251 156 182 124 Total Fee Income Fees and commissions other Gains o
Slide 11: Operating Expenses (Opex)
Operating Expenses (Opex) Opex effectively managed and declined by 9.0% YoY Rp billion -9.0% YoY +0.9% YoY -15.5% YoY 4,856 4,417 2,933 2,477 Sep-19 1,924 1,940 Sep-20 Total Operating Personnel G&A Expenses (in Rp billion) Breakdown of G&A Sep-20 Sep-19 YoY General 1,318 1,646 -19.9% Rental 12
Slide 12: Strong Capital Position
Strong Capital Position 23.47% 22.10% 21.38% 20.09% 20.64% 133,575 125,234 127,172 119,582 113,585 26,833 26,770 26,244 26,423 26,658 Sep-19 Dec-19 Mar-20 Jun-20 Sep-20 Risk Weighted Assets (Rp Billion) Total Capital (Rp Billion) CAR Capital Ratios Sep-19 Dec-19 Mar-20 Jun-20 Sep-20 YoY QoQ Tier I 1
Slide 13: Balance Sheet - Consolidated
Balance Sheet - Consolidated Rp billion Sep-20 Jun-20 Sep-19 YoY QoQ Loans 109,431 115,688 129,810 -15.7% -5.4% Other Earning Assets 54,996 34,931 29,829 84.4% 57.4% Other Assets 12,904 13,502 18,212 -29.1% -4.4% Total Assets 177,331 164,121 177,851 -0.3% 8.0% Deposits from Customer 116,582 105,775
Slide 14: Financial Ratios
Financial Ratios Sep-20 Jun-20 Sep-19 YoY Sep-20 Jun-20 Sep-19 YoY Consolidated Bank Only a b c (a-c) a b b (a-c) Profitability Profitability Return On Assets 1.11% 1.23% 1.13% -0.01% Return On Assets 0.88% 1.01% 0.82% 0.06% Return On Equity (Tier 1) 6.00% 6.68% 6.26% -0.26% Return On Equity (Tier 1
Slide 15: Table of Contents
Table of Contents Executive Summary 2 Results Overview 5 Shariah Banking 15 Subsidiaries 17 Update on Covid-19 20 Appendix Maybank Indonesia in Brief 22 Events and CSR Highlights 27 Financial Results: 9M 2020 ended 30 September 2020
Slide 16: Shariah Banking
Shariah Banking Shariah ROA Shariah Total Asset Shariah PBT Rp Billion Rp Billion 7.2% 35.1% 35,765 332 1.39% 33,368 246 0.99% Sep-19 Sep-20 Sep-19 Sep-20 Sep-19 Sep-20 Shariah Financing increased by 2.7% to Rp25.2 trillion, contributing 23.0% to the Bank’s consolidated loans. Overall sharia
Slide 17: Table of Contents
Table of Contents Executive Summary 2 Results Overview 5 Shariah Banking 15 Subsidiaries 17 Update on Covid-19 20 Appendix Maybank Indonesia in Brief 22 Events and CSR Highlights 27 Financial Results: 9M 2020 ended 30 September 2020
Slide 18: Maybank Finance
Maybank Finance Revenue and Profit Before Tax Asset Quality Rp Billion +1.4% 885 898 0.75% 0.52% +6.0% 0.31% 0.27% 0.26% 0.44% 350 371 0.24% 0.16% 0.14% 0.15% Sep-19 Sep-20 Sep-19 Dec-19 Mar-20 Jun-20 Sep-20 Revenue Profit Before Tax NPL Net NPL Gross Financing Unit Financing (unit) Rp Billion
Slide 19: WOM Finance
WOM Finance Revenue and Profit Before Tax Asset Quality Rp Billion -18.3% 1,909 1,560 5.61% 6.05% 2.42% 2.00% 2.12% -59.6% 2.59% 2.81% 201 0.63% 0.62% 0.68% 81 Sep-19 Sep-20 Sep-19 Dec-19 Mar-20 Jun-20 Sep-20 Revenue Profit Before Tax NPL Net NPL Gross Financing Unit Financing (‘000 unit) Rp Bil
Slide 20: Table of Contents
Table of Contents Executive Summary 2 Results Overview 5 Shariah Banking 15 Subsidiaries 17 Update on Covid-19 20 Appendix Maybank Indonesia in Brief 22 Events and CSR Highlights 27 Financial Results: 9M 2020 ended 30 September 2020
Slide 21: Update on the progress of Loan Restructuring due to COVID Pandemic
Update on the progress of Loan Restructuring due to COVID 19 Pandemic 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 Re
Slide 22: Table of Contents
Table of Contents Executive Summary 2 Results Overview 5 Shariah Banking 15 Subsidiaries 17 Update on Covid-19 20 Appendix Maybank Indonesia in Brief 22 Events and CSR Highlights 27 Financial Results: 9M 2020 ended 30 September 2020
Slide 23: Profile
Profile Profile* Established : 15 May 1959 Total Assets : Rp177.3 trillion Total Equity : Rp26.6 trillion Market Capitalisation : Rp15.5 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 : 571
Slide 24: Company Ratings and Shareholdings
Company Ratings and Shareholdings Company Rating Shareholders Public Long-Term Foreign-Currency IDR BBB; Stable Outlook 78.98% 21.02% Short-Term Foreign-Currency IDR F2 Viability Rating bb Support Rating 2 National Long-Term Rating AAA(idn); Stable Outlook National Short-Term Rating F1+(idn) Subordi
Slide 25: Board of Commissioners
Board of Commissioners Edwin Gerungan Budhi Dyah Sitawati Commissioner Independent Commissioner Datuk Abdul Farid bin Alias President Commissioner Achjar Iljas Hendar Datuk Lim Hong Tat Independent Commissioner Independent Commissioner Commissioner Page 25
Slide 26: Board of Directors
Board of Directors Thilagavathy Nadason Irvandi Ferizal Effendi Director Director Director Taswin Zakaria President Director Widya Permana Muhamadian Steffano Ridwan Ricky Antariksa Director Director Director Director Page 26
Slide 27: Table of Contents
Table of Contents Executive Summary 2 Results Overview 5 Shariah Banking 15 Subsidiaries 17 Update on Covid-19 20 Appendix Maybank Indonesia in Brief 22 Events and CSR Highlights 27 Financial Results: 9M 2020 ended 30 September 2020
Slide 28: Events, Awards, and CSR Highlights in 3Q 2020
Events, Awards, and CSR Highlights in 3Q 2020 Maybank Indonesia and Malaysia Win International Awards World's leading business and financial media publication Global Finance has named Maybank Indonesia and Malaysia The World's Best Consumer Digital Banks 2020 for the Asia-Pacific region. Maybank als
Slide 29: Events, Awards, and CSR Highlights in 3Q 2020
Events, Awards, and CSR Highlights in 3Q 2020 Maybank Marathon Anywhere Officially Maybank and Indomobil Finance Present QR Launched Code-Based Payments Maybank Indonesia launched Maybank Marathon Maybank Indonesia established a strategic Anywhere, a virtual run program for running partnership with
Slide 30: My Bank is Maybank! Thank You
Maybank wins hearts and = inspires confidence through its commitment to treating M Y BANK IS customers and staff with MAYBANK! *°*?°**- 4 We make humanising y 7 . . f financial services more than ~* just a promise but the way we do business. e Thank You Maybank
Slide 31: 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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