Pt Bank Maybank Indonesia Tbk Class A · IDX:BNII
Pt Bank Maybank Indonesia Tbk Class A — H1 2026 Earnings Presentation
40 slides from Pt Bank Maybank Indonesia Tbk Class A's earnings presentation, Jun 30, 2026
Slide 1: Maybank Indonesia Financial Results 1H 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 29 37
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 Indonesia’s economy 2.5% ± 1% 8% to 12% remains resilient despite global challenges, 1Q 2024 2Q 2024 3Q 2024 4
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 29 37
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 Comm
Slide 7: Board of Directors
Board of Directors Steffano Ridwan Irvandi Ferizal Widya Permana Bambang Andri Irawan President Director Director Director Director Yessika Effendi Romy Hardiansyah Shaiful Adhli Yazid Bianto Surodjo Mariana Husin 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 29 37
Slide 9: Summary Highlights
Summary Highlights Profit Before Tax & Minority Interest Net Interest Income (NII) Rp billion Rp billion 21.8% 3.9% 1H 2026 vs 1H 2025 766 933 3,574 3,712 Profit before tax increased 21.8% to Rp933 billion 1H 2026 Jun-25 Jun-26 Jun-25 Jun-26 The Bank recorded Profit Non-Interest Income (NoII) Ne
Slide 10: Loan & Deposit Growth
Loan Deposit Rp billion 3.8% Rp billion 8.2% 121,693 126,280 124,102 114,702 Loan & Deposit Growth • Total outstanding loans increased 3.8% Jun-25 Jun-26 Jun-25 Jun-26 to Rp126.3 trillion, marking a return to GIL CASA Ratio 7.40% positive growth since 0.25% FY2024. 4.09% 3.84% 56.23% 63.63%
Slide 11: Shariah Business Unit
Shariah Business Unit Asset Financing Rp trillion 5.5% Rp trillion 11.7% • Shariah Banking recorded a Profit 43.2 33.0 40.9 29.5 Before Tax of Rp488 billion, up by 55.1%, supported by expanding financing balances and continued funding optimisation, while fee-based income increased 20.0%. Jun-25
Slide 12: Subsidiaries
Subsidiaries Maybank Finance PBT WOM Finance PBT Rp billion Rp billion • Maybank Finance’s four-wheeled financing 40.0% 14.8% 121 394 105 increased 25.3% to 281 Rp8.6 trillion. PBT rose 40.0% to Rp394 billion due to lower loan loss provisions and Jun-25 Jun-26 Jun-25 Jun-26 investment income fro
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 29 37
Slide 14: Income Statement - Consolidated
Income Statement - Consolidated Rp billion 1H 2026 1H 2025 YoY 2Q 2026 1Q 2026 QoQ Interest Income 6,445 6,636 -2.9% 3,311 3,134 5.7% Interest Expense (2,733) (3,062) -10.8% (1,414) (1,319) 7.2% Net Interest Income 3,712 3,574 3.9% 1,897 1,815 4.5% GM related 62 178 -65.2% 42 20 114.7% Non-GM relate
Slide 15: Maintain disciplined pricing to support margins
Maintain disciplined pricing to support margins NII & NIM NoII Composition 4.36% 4.28% 21.44% 19.92% 3,712 3,574 3.9% Total 975 923 Recovery 5.4% 172 98 NII (Rp bn) Forex 85 68 NIM (%) 110 MS 196 169 Fee & commissions other than loans Others 567 457 NoII to Total Income (%) (23) Jun-25 Jun-26 Ju
Slide 16: Continue to expand lending portfolio across corporate and SME businesses
Continue to expand lending portfolio across corporate and SME businesses Loans by Currency Loans Portfolio Breakdown Rp trillion Jun-26 Mar-26 Jun-25 YoY QoQ Composition 15% 15% Global Banking 55.0 51.1 52.4 5.0% 7.5% 43.5% LLC 16.3 12.6 13.8 18.0% 29.3% 12.9% Jun-25 Jun-26 Business Banking 18.9 17.
Slide 17: Maintaining prudent risk management and healthy asset quality
Maintaining prudent risk management and healthy asset quality Special Mention Loans Special Mention Loans by Segment 5.98% 5.84% 5.48% 5.54% 5.16% GB 3.51% 3.37% 3.38% 3.17% 3.04% 2.19% 2.44% 2.16% CFS Retail 1.98% 1.98% CFS Non-Retail 1.51% 1.07% 1.05% 0.97% 1.06% Jun-25 Sep-25 Dec-25 Mar-26 Jun-26
Slide 18: CASA improved by 22.4% to strengthen funding mix
CASA improved by 22.4% to strengthen funding mix Customer Deposits by Business Segment Customer Deposits Breakdown Jun-26 Mar-26 Jun-25 YoY QoQ Composition Current Account 55.1 50.4 41.7 32.1% 9.3% 44.4% 40% Global Banking 46% Jun-25 54% Jun-26 Saving Account 23.9 22.1 22.8 4.8% 8.2% 19.3% CFS 60% C
Slide 19: A higher CASA mix supports funding stability
A higher CASA mix supports funding stability Liquidity Indicators 61.22% 63.63% 56.23% 57.55% 52.26% CASA Ratio 102.00% 103.62% 99.15% 99.81% 88.30% LDR 89.13% 90.31% 85.49% 86.55% 77.51% LDR (Bank only) LDR (Consolidated) 162.93% 176.20% 150.70% LCR 142.85% 139.87% 124.05% 119.94% 120.59% 118.82% 1
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% 24.32% CAR 25.45% 25.90% 26.14% 25.17% 23.15% Tier I 1.17% 1.17% 1.17% 1.17% 1.17% Tier II 128,653 118,140 120,649 115,321 116,275 Risk Weighted Asset (Rp billion) 30,697 31,472 32,265 31,785 31,289 Total Capi
Slide 21: Balance Sheet - Consolidated
Balance Sheet - Consolidated Rp billion Jun-26 Mar-26 Jun-25 YoY QoQ Loans 126,280 121,994 121,693 3.8% 3.5% Other Earning Assets 57,024 50,122 46,397 22.9% 13.8% Other Assets 30,503 20,051 16,823 81.3% 52.1% Total Assets 213,808 192,167 184,913 15.6% 11.3% Deposits from Customer 124,102 118,353 114
Slide 22: Financial Ratios
Financial Ratios Consolidated Bank only Jun-26 Mar-26 Jun-25 YoY QoQ Jun-26 Mar-26 Jun-25 YoY QoQ Profitability Return On Assets 0.92% 0.83% 0.82% 0.10% 0.09% 0.48% 0.48% 0.68% -0.20% 0.00% Return On Equity 4.64% 3.94% 3.93% 0.71% 0.70% 2.87% 2.74% 4.27% -1.40% 0.13% Net Interest Margin 4.28% 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 25 37
Slide 24: Shariah Business Unit's PBT increased by 55.2% to Rp488 billion
Shariah Business Unit’s (UUS) PBT increased by 55.2% to Rp488 billion Financing Total Asset Deposits Rp billion Rp billion Rp billion 72.18% 59.96% 11.7% 5.5% 43,151 40,907 32,965 34,495 0.7% 34,237 29,501 TD 9,526 CASA 13,811 CASA Ratio 24,711 20,685 Jun-25 Jun-26 Jun-25 Jun-26 Jun-25 Jun-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 25 37
Slide 26: M2U's Financial Transaction volume keeps growing
M2U’s Financial Transaction volume keeps growing 1. M2U Txn Frequency (in Mn) 20.5% YoY M2U financial transaction reached more than 8.7 million in Q2’26. 8.69 8.77 8.41 113% YoY 7.76 M2U QR Pay & QR Cardless Withdrawal transactions in Q2’26 and reach 7.28 more than IDR 750 billion in transaction vol
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: Scaling 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 25 37
Slide 31: Maybank Finance Performance
Maybank Finance Performance Balance Sheet Unit Financing Rp billion Jun-26 Mar-26 Jun-25 YoY QoQ (in unit) Total Asset 9,066 8,962 7,257 24.9% 1.2% Financing 8,633 8,613 6,888 25.3% 0.2% 46,870 42,633 Total Unit % to Total MBI Loans (%) 6.84% 7.06% 5.66% 1.18% -0.22% 39,582 YoY: 24.0% 1,107 4,589 4,
Slide 32: WOM Finance Performance
WOM Finance Performance Balance Sheet Unit Financing Rp billion Jun-26 Mar-26 Jun-25 YoY QoQ (in unit) Total Asset 8,380 8,781 8,552 -2.0% -4.6% Total Unit 6,729 6,702 6,346 6.0% 0.4% 212,259 YoY: -9.6% Financing 1,044 184,348 181,571 % to Total MBI Loans (%) 5.33% 5.49% 5.21% 0.11% -0.17% Hajj Tota
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 25 37
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 Rp16.72 trillion
Support for Sustainable Development Goals Sustainable Finance Portfolio Management of Sustainable Finance Portfolio reached Energy Efficiency Natural Resources and Rp19.23 trillion as of Jun26 Sustainable Land Use Contributing 17.3% to the Bank’s loan portfolio Rp589 billion Rp539 billion Environmen
Slide 36: Sustainability-related Events in 2Q 2026
Support for Sustainable Development Goals Sustainability-related Events in 2Q 2026 Maybank Indonesia Sustainable Finance Forum ESG Champion Shark Tank #1 Industrial Update – Social Loan 2026: Navigating Transition for Industry: From Policy Signals to Market Action Maybank Indonesia conducted the ESG
Slide 37: 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 29 37
Slide 38: Awards & Events Highlights in 2Q 2026
Awards & Events Highlights in 2Q 2026 APRIL ● 23 APRIL ● 24 APRIL ● 9 APRIL Maybank Indonesia, through its Wealth Maybank Indonesia and Bank Sinarmas officially Allianz Syariah has partnered with Maybank Management business unit, has once again established a strategic partnership in Sharia Indonesia
Slide 39: Awards & Events Highlights in 2Q 2026
Awards & Events Highlights in 2Q 2026 MAY JUNE ● 29 JUNE ● 6 MAY ● 4 JUNE Maybank Indonesia Extraordinary General Maybank Indonesia through its Shariah Business Maybank Indonesia and Allianz Life have Meeting of Shareholders (EGMS) approved the Unit has partnered with Muslim Pro to launch the streng
Slide 40: Htummantsin
Htummantsin Financial Services Maybank fF) Maybank x) @MaybankiD Maybankid
PT Bank Maybank Indonesia — H1 2026 Earnings Presentation on 6ix