Malayan Banking Bhd. · MYX:MAYBANK
Malayan Banking Bhd — PT Bank Internasional Indonesia — FY2013 Earnings Presentation
52 slides from Malayan Banking Bhd's earnings presentation, Feb 19, 2014
Slide 1: Full Year 2013 Results Analyst Meeting
Perkembangan Bank Internasional Indonesia (BII) PT Bank Internasional Indonesia Tbk Rapat Komite Informasi LPS FULL YEAR 2013 Results ANALYST MEETING Jakarta, 19 February 2014 Jakarta,
Slide 2: Service Quality Awards
Service Quality Awards Top 1 in Service Quality The Best Bank in Service Quality for 4 (four) consecutive years from Institute of Service Management Studies (ISMS) Trisakti 93.35 93.78 92.53 90.00 2009/2010 2010/2011 2011/2012 2012/2013 Committed in Delighting Customer’s Heart Analyst Meeting – FY20
Slide 3: Table of Contents
Table of Contents Summary of FY2013 Results BII in Brief Financial Performance Strategy and Key Focus Areas Awards, Corporate Social Responsibility (CSR) & Event Highlights Analyst Meeting – FY2013 Page 3
Slide 4: Summary of FY13 Results
Summary of FY13 Results (All numbers are consolidated and according to Bank Indonesia classification unless otherwise stated) Analyst Meeting – FY2013 Page 4
Slide 5: Highlight for FY 2013 (1/2)
Highlight for FY 2013 (1/2) Strong delivery continues Assets grew with new milestone being reached of Rp. 140.7 trillion Strengthening Strong growth in Customer Deposits and increase in low cost funding the Balance Sheet Loans grew significantly despite the challenging market conditions Ampl
Slide 6: Highlight for FY 2013 (2/2)
Highlight for FY 2013 (2/2) - Profit After Tax and Minority Interest (PATAMI) surged 28% to a record of Rp1.55 trillion. - Strong Loan and Deposit Growth amidst the Challenging Environment Profit Before Tax (PBT) strongly increased by 29% to Rp2.2 trillion ROE (Tier 1) increased to16.18% (with h
Slide 7: BII in Brief
BII in Brief Analyst Meeting – FY2013 Page 7
Slide 8: Profile and Corporate Structure
Profile and Corporate Structure Profile Corporate Structure Established : 15 May 1959 LONDON BRANCH PUBLIC Total Assets : Rp140.7 Trillion 18.31% 78.98% 2.71% Total Equity : Rp12.2 Trillion Market Capitalisation : Rp18.7 Trillion Position in Indonesia : Rank #9 in terms of assets (as of September 20
Slide 9: Board of Commissioners
Board of Commissioners Datuk Abdul Farid bin Alias* Spencer Lee Tien Chye Commissioner and PCEO of Maybank Commissioner Tan Sri Megat Zaharuddin President Commissioner and Chairman of Maybank Umar Juoro Budhi Dyah Sitawati Achjar Iljas ** Independent Independent Independent Commissioner Commissioner
Slide 10: Board of Directors
Board of Directors Lani Darmawan Rahardja Alimhamzah Jenny Wiriyanto Director Director Director Taswin Zakaria* President Director Ani Pangestu*** Thilagavathy Nadason** Hedi Maria Helena Lapian Ghazali M. Rasad Director Director Director Director * appointed as President Director of BII on EGMS dat
Slide 11: Building a strong network footprint and present in all Indonesian Provinces
Building a strong network footprint and present in all Indonesian Provinces Integrating multi customer touch points to serve all segments Branch Network Key alternate Channel PAC Sharia Micro MKK Present at the heart of community Sales Branch ATMs person and CDMs As of December 2013, 1,524 Front we
Slide 12: Innovative Products and Comprehensive Financial Solutions
Innovative Products and Comprehensive Financial Solutions For Individual Customers For Corporate Customers & Entreupeneurs We work closely with our customers to achieve their potential Cash Management Solution COOLPay & COOLBanking Analyst Meeting – FY2013 Page 12
Slide 13: Enhanced e-banking capacity and features
Enhanced e-banking capacity and features have increased both users and number of transactions dramatically Mobile Banking Number of Users Number of Transaction 75% 71% Mobile banking with new IT platform and applicable at all type of mobile devices Dec-12 Dec-13 Dec-12 Dec-13 Internet Banking Number
Slide 14: Financial Performance
Financial Performance Analyst Meeting – FY2013 Page 14
Slide 15: Record a PATAMI of Rp1.55 trillion
Record a PATAMI of Rp1.55 trillion Quarterly Income Statement Annual Income Statement 1Q13 2Q13 3Q13 4Q13 Rp. Billion Dec-12 Dec-13 A B C D D/C E F F/E 1,380 1,430 1,530 1,461 (4%) Net Interest Income 5,310 5,801 9% 638 528 544 583 7% Non Interest Income 1,930 2,293 19% 2,018 1,958 2,075 2,044 (2%)
Slide 16: Balance sheet strengthened with total assets exceeding Rp140 trillion
Sustainable business growth & Balance Sheet further strengthened with total assets exceeding Rp140 trillion Mar-13 Jun-13 Sep-13 Dec-13 Rp. Billion Dec-12 Dec-13 A B C D D/C E F F/E 79,747 85,105 91,680 102,030 11% Loans 80,949 102,030 26% 3,709 3,670 3,691 3,639 (1%) Government Recap. Bonds 3,707 3
Slide 17: Continued improvement across various indicators
Continued improvement across various indicators Total Assets PATAMI ROE y-o-y growth y-o-y growth as of December 2013 as of December 2013 ROE increased with higher FY13 Industry = 16% Rp Billion Industry = 15% equity base Rp Billion BII = 21% BII = 28% BII‟s market share = 2.84% 21% 22% 140,707 0.39
Slide 18: Financial Ratios
Financial Ratios Consolidated Dec-12 Dec-13 Bank Only Dec-12 Dec-13 A B B- A A B B- A Profitability Profitability Return On Assets 1.62% 1.71% 0.09% Return On Assets 1.49% 1.53% 0.04% Return On Equities (Tier 1) 15.79% 16.18% 0.39% Return On Equities (Tier 1) 14.60% 14.64% 0.04% Net Interest Margin
Slide 19: Strong loans growth across all segments
Strong loans growth across all segments Business Banking continues to lead LDR & Total Loans Rp Trillion 95.1% Rp Trillion Dec-12 Dec-13 Δ 89.0% 93.0% 93.2% 88.9% 87.3% 87.0% Global Banking 25.5 31.0 21% 83.2% 102.0 80.9 Business Banking 27.1 35.3 30% 67.2 53.6 Retail Banking 28.3 35.8 27% Dec-10 De
Slide 20: Loan Quality
Loan Quality Asset Quality – BII (consolidated) Asset Quality – BII Finance (consolidated) 2.85% 0.10% 0.10% 2.19% 2.18% 2.24% 1.99% 0.09% 1.85% 1.70% 1.74% 0.08% 1.47% 2.11% 0.09% 1.43% 0.07% 1.45% 0.08% 1.26% 1.55% 1.10% 1.13% 0.07% 0.07% 1.02% 0.81% 0.73% 0.06% 0.62% Dec-12 Mar-13 Jun-13 Sep-13 D
Slide 21: Asset Quality by Segment
Asset Quality by Segment NPL Gross – Retail Banking 0.9% 0.7% 0.6% 1.4% 1.2% Proportion of NPL Dec-12 Mar-13 Jun-13 Sep-13 Dec-13 9% NPL Gross – Business Banking 22% 1.0% 1.0% Dec -13 1.3% 1.1% 1.2% 69% Dec-12 Mar-13 Jun-13 Sep-13 Dec-13 Retail Banking Business Banking Global Banking NPL Gross – Glo
Slide 22: Strong increase in Deposits led by robust growth in Savings
Strong increase in Deposits led by robust growth in Savings Deposits from Customers by Business Segment Deposits from Customers by Type 21% 22% 17% 16% 17% Global Banking 50% Dec-12 49% Dec-13 Business Banking Dec-12 Sep-13 Dec -13 22% 24% 23% Retail Banking 61% 60% 60% 29% 29% Current Account Savin
Slide 23: Building Momentum in Savings
Building Momentum in Savings Savings Full range of Savings products – By Segmentation Rp Trillion 31% 7% 24,689 17,625 18,798 Dec-11 Dec-12 Dec-13 Resources & Infrastructure Product / Services Coverage PRO Well Established Entrepreneur, Businessmen/women Branch Telesales Mobile Branch GOLD Business
Slide 24: Retail Loan has grown strongly, mostly in 4Wheel and Mortgage
Retail Loan has grown strongly, mostly in 4Wheel and Mortgage Retail Loan Rp Trillion Mortgage Rp Trillion 27% 35.8 28.3 0.5 35% 0.4 19.4 15.8 2.5 13.4 2.1 9.9 9.9 13.4 Dec-12 Dec-13 Dec-12 Dec-13 Mortgage Credit Card Auto Loan Others Auto Loan Rp Trillion Retail Loan has grown strongly by 27% YoY
Slide 25: Robust Growth in Mortgage
Robust Growth in Mortgage Rp Billion Mortgage Rp Trillion 2012 2013 Growth ENR 9,926,690 13,384,100 35% 35% Number of Customer 27,391 30,447 11% Average Loan Size 362 440 21% Disbursement 4,553,777 6,184,976 36% New Loan 5,848 7,245 24% 13.4 Sales Productivity 2,778 3,145 13% 9.9 Market Share 3.96%
Slide 26: Auto Loan
Auto Loan 4-wheelers portfolio successfully overtook 2-wheelers in line with our 2013 strategic objective Auto Loan Rp Trillion BIIF 2012 2013 Growth # of Customer 75,591 98,396 22,805 30.2% 23% % of RB Loan 22.9% 26.9% 4.0% 4.0% 19.4 15.8 Ticket Size ( in mio IDR) 173 164 (8) (0.05) 10.7 Market Sha
Slide 27: Sustainable growth in Business Banking
Sustainable growth in Business Banking Business Banking loans grew by 30% to Rp35.3 trillion, Commercial Loans Loan with strong growth in deposits of 22% to Rp30.7 trillion. Rp Trillion 27% “Go beyond horizontal & 21.4 vertical value chain 16.9 approach to serve business ecosystem holistically by De
Slide 28: Expanding reach to micro business through community empowerment
Expanding reach to micro business through community empowerment • Provide productive financing to ecosystem within multi layers industries with short cash cycle • Empowering communities such as supply chain, traditional market traders, plantation, linkage BPR Target Market • Working Capital Loan • C
Slide 29: Global Banking
Global Banking Loans (Rp Trillion) Corporate Banking 21% • Investment Loan • Working Capital • Corporate /Leverage Finance Products Transaction Banking & • Letter of Credit Services • Bank Guarantee • CoOL Banking/ CoOL Pay • Security Services Global Market • Foreign Exchange (Retail) • Structured F
Slide 30: Transaction Banking is key for corporate banking segments
Transaction Banking is key for corporate banking segments Cool Banking Customer Trade Volume US$ million Electronic channels, such as CoOLBanking, play significant 113% 24% role in growing transaction volumes of BII whilst providing 4,061 comfort and convenience for 1,958 customers in managing the
Slide 31: Syariah Banking booked strong performance in 2013
Syariah Banking booked strong performance in 2013 Its strategy to be product provider and offer Syariah solutions across all Business Segments start to bear fruit – Syariah financing increased significantly by 82% and Customer Deposits jumped 402% Financing Rp Billion Customer Deposits Rp Billion Ne
Slide 32: Fee Income
Fee Income Rp Billion 2,293 Fee Income (Rp Billion) Dec-12 Dec-13 Related to Auto Business (2-Wheelers & 4-Wheelers) 684 729 1,930 654 Collection of receivables previously written-off 107 146 Arranger & Syndication Fees 75 36 525 75 Loan Administration 194 176 Related to Auto Business (2- 270 Bankin
Slide 33: CAR, Ownership, Share Price Performance & Company Rating
CAR, Ownership, Share Price Performance & Company Rating CAR Share Price Performance 15.48% 15.66% 500 Highest: Rp440 20,000,000 14.86% 15.00% 16% 14.34% 13.84% 450 (20 Feb 2013) 18,000,000 200000 13.13% 13.48% 13.12% 14% 12.81% 400 16,000,000 13.68% 13.29% 12.96% 12.72% 12% 350 14,000,000 12.83% 15
Slide 34: BIIFinance: Recorded strong growth in profit
BIIFinance: Recorded strong growth in profit Revenue and PBT (Rp Billion) Unit Financing (unit) (Stand Alone) (Consolidation) 60,000 1,000 Total Revenue 890.71 900 47,938 49,819 Profit Before Tax 50,000 800 700 616.80 40,000 37,578 34,899 600 500 30,000 400 277.25 20,000 300 204.32 200 10,000 100 2,
Slide 35: WOMF: Increase in Profit amidst tighter regulations
WOMF: Increase in Profit amidst tighter regulations and slower 2 wheel Financing Revenue and PBT (Rp Billion) Unit Financing (‟000 unit) (Stand alone) (Consolidated) +6.8% 1,609 1,586 536 +0.3% 502 1,376 1,348 393 394 +31.5 +217.9% % 142 108 205 148 28 89 YTD Dec'12 YTD Dec'13 New Used Total YTD Dec
Slide 36: Strategy & Key Focus Areas
Strategy & Key Focus Areas Analyst Meeting – FY2013 Page 36
Slide 37: Building our competitive advantage
We are building our competitive advantage through High Quality Service, Product Innovation, Process Simplification and Regional Connectivity … Group Vision Statement To be a Regional Financial Services Leader Group Mission Statement Humanising Financial Services Across Asia Vision: To be the leading
Slide 38: Identified 2014 priorities (1/3)
…Identified 2014 priorities (1/3) Indonesia Regional Productivity (RB & BB) Kalimantan (1 Region) • Regional economy oriented regional division Sumatra (2 Regions) Sulawesi & IBT • Sharpen regional coverage and productivity through (1 Region) better understanding of local business and associated ris
Slide 39: Identified 2014 priorities (2/3)
…Identified 2014 priorities (2/3) Solid Institutional Customer Base Defined and Measured Target Market (GB & BB) (Risk) • Expansion focused on large national • Institutional view of country economic and business corporates and SOEs to build solid potential to serve as risk-based guide for country an
Slide 40: Identified 2014 priorities (3/3)
…Identified 2014 priorities (3/3) Staff Effectiveness Cost Discipline Operational Excellence (Human Capital) (SCMP) (Operations & IT) • Solid partner in cost • Effective cost approach: spend • Efficient and effective internal management where it matters processes • Driver in the realignment • Busine
Slide 41: The Bank's headline KPI in 2013
In 2013, We focused on the following priorities … 1 Optimizing branch capability and expanding footprints 2 Increasing Customer base 3 Boosting Fee Income The Bank‟s headline KPI Boosting CASA Funding to support growth in 2013 4 5 Addressing Cost Structure Target Achievement FY2013 FY2013 Enter new
Slide 42: Significant progress made in IMPACT transformation
Significant progress made in IMPACT transformation and strong delivery of benefit during 2013 Phase 2 Phase 3 Phase 1 New Growth Quick Wins Increase penetration of Accelerate Receivable growth for PITA & Increase cross-selling of Build Bankwide CRM to Bancassurance Cards products (retail and corpo
Slide 43: Our Priorities in 2014
Our Priorities in 2014 1 Domestic Regional Transformation : a. a To ensure our regional growth orientation align with its regional economy potential b. b To sharpening our regional coverage and productivity through better understanding of local business and associated risks c. c Regional & Branches
Slide 44: Awards, CSR & Event Highlights
Awards, Corporate Social Responsibility (CSR) & Event Highlights Analyst Meeting – FY2013 Page 44
Slide 45: Service Quality Awards
Service Quality Awards 93.78 93.35 Top 1 in Service Quality 92.53 The Best Bank in Service Quality for 4 90.00 consecutive years from Institute of Service Management Studies (ISMS) Trisakti 2009/2010 2010/2011 2011/2012 2012/2013 Other Awards in Service Quality in 2013 Excellent Service Experience
Slide 46: Other Awards
Other Awards Awards for Syariah Banking Awards for Subsidiary Most Profitable Bank for category Unit Usaha Syariah with assets The Best Multifinance in 2012 with the asset category above IDR more than Rp500 billion from Karim Business Consulting 500 billion from APPI (Asosiasi Perusahaan Pembiay
Slide 47: Focus Area of BII CSR Program
Focus Area of BII CSR Program Provide opportunity for better Promote winning culture & healthy life education through sports and health • Focus on providing • Support communities scholarships to young talents through health & sport from underprivileged programs families Promote • Support banking edu
Slide 48: CSR Highlights in 2013
CSR Highlights in 2013 1. Provide stable foods for floods victims at Kampung Pulo, 6. Launched community empowerment program through BMT where Jakarta – January 2013 BII granted revolving fund amounted to Rp1 billion to support 2. Continued to grant scholarhip for 50 under priviledged bright micro f
Slide 49: BII Maybank Bali Marathon
BII Maybank Bali Marathon BII Maybank Bali Marathon 2013 Marathon 2012 With theme Pushing the Limit, BII Maybank Bali Marathon 2013 was participated by 3,000 runners from 42 countries, includes elite runners from Africa, Europe, Asia and Australia On 22 April 2012, BII held „BII Maybank Bali Maratho
Slide 50: Event Highlights in 2013
Event Highlights in 2013 1 2 3 8 10 13 4 6 14 15 5 11 1. Maybank Corporate Golf Challenge 10. Held 2nd BII Maybank Bali Marathon participated by more than 3000 2. Launched strategic partnership with Air Asia to provide cash management runners from around the globe, 16 June 2013 solutions, 16 Februar
Slide 51: Thank You
be Thank You >
Slide 52: Disclaimer
Disclaimer Please note that some of the statements in this document may constitute “forward-looking statements” that do not directly or exclusively relate to historical facts. Some of the statements in this document (including but not limited to the forward- looking statements) are derived from or a
PT Bank Internasional Indonesia — FY2013 Earnings Presentation on 6ix