PT Bank Maybank Indonesia Tbk Class A · IDX:BNII
PT Bank Maybank Indonesia Tbk Class A — H1 2020 Earnings Presentation
31 slides from PT Bank Maybank Indonesia Tbk Class A's earnings presentation, 2020
Slide 1: Maybank Indonesia Financial Results 1H 2020
Humanising Financial Services Maybank Indonesia Financial Results 1H 2020 ended 30 June 2020 www.maybank.co.id
Slide 2: Table of Contents
Table of Contents Executive Summary 2 Results Overview 5 Shariah Banking 15 Subsidiaries 18 Update on Covid-19 21 Appendix Maybank Indonesia in Brief 23 Events and CSR Highlights 28 Financial Results: 1H 2020 ended 30 June 2020
Slide 3: Executive Summary of 1H 2020 (1/2)
Executive Summary of 1H 2020* (1/2) 1 • PATAMI improved by 7.0% YoY to Rp810 billion underpinned by improvement in non-interest income and sustained strategic cost management. • Recurring Fee income grew by 11.0%. Included in fee income last year was one-off fee following domestic arbitration settle
Slide 4: Executive Summary of 1H 2020 (2/2)
Executive Summary of 1H 2020 (2/2) 4 Capital • Total Assets decreased by 10.6% YoY to Rp164.1 trillion. Position • Strong capital position with CAR stood at 22.10% (Tier I at 20.44%). 5 • Shariah PBT improved by 16.4% YoY to Rp175 billion mainly due to efficient cost of funding. • Shariah savings gr
Slide 5: Table of Contents
Table of Contents Executive Summary 2 Results Overview 5 Shariah Banking 15 Subsidiaries 18 Update on Covid-19 21 Appendix Maybank Indonesia in Brief 23 Events and CSR Highlights 28 Financial Results: 1H 2020 ended 30 June 2020
Slide 6: Income Statement - Consolidated
Income Statement - Consolidated Rp billion 1H 2020 1H 2019 YoY 2Q 2020 1Q 2020 QoQ Interest Income 6,887 7,827 -12.0% 3,333 3,554 -6.2% Interest Expense (2,951) (3,803) -22.4% (1,421) (1,530) -7.1% Net Interest Income 3,936 4,024 -2.2% 1,912 2,024 -5.5% Non Interest Income 1,184 1,167 1.4% *) 586 59
Slide 7: Loans
Loans Decreased YoY due to Covid-19 pandemic and de-risking and re-profiling Business Banking portfolio, however GB managed to grow 1.4% QoQ supported by SOE segment. LDR & Total Loans Rp trillion Loans Portfolio Breakdown Rp trillion 108.91% 107.64% Jun-20 Mar-20 Jun-19 YoY QoQ 104.30% 102.12% 106.
Slide 8: Asset Quality
Asset Quality Bank has implemented PSAK 71/IFRS 9 in 2020. Deterioration partly due to lower loan balances (denominator) and impact of PSAK 71 6.27% 5.04% Impaired Loans - Gross Impaired Loans 3.73% 4.01% 4.00% (consolidated) Impaired Loans - Net 3.72% 3.11% 2.13% 2.16% 2.31% Jun-19 Sep-19 Dec-19 Ma
Slide 9: Customer Deposits
Customer Deposits CASA ratio improved. Continued to reduce cost of fund Customer Deposits by Business Segment 19% 17% Global Banking Jun-19 Jun-20 CFS 81% 83% Customer Deposits by Type 18% 20% Current Account Jun-19 16% Saving Account Jun-20 Time Deposit 60% 20% 67% Rp Trillion Jun-20 Mar-20 Jun-19
Slide 10: Fee Income
Fee Income On normalized basis, Fee income increased by 11.0% YoY Rp billion +1.4% YoY -14.6% YoY +143.1% YoY +72.6% YoY -19.5% YoY 1,167 1,184 1,066 806 705 649 Jun-19 Jun-20 Rp101 billion one-off non recurring fee 260 187 160 107 114 66 Total Fee Income Fees and commissions other Gains o
Slide 11: Operating Expenses (Opex)
Operating Expenses (Opex) Opex effectively managed and declined by 4.6% YoY Rp billion -4.6% YoY +4.2% YoY -10.4% YoY 3,183 3,036 1,918 1,718 1,265 1,318 Jun-19 Jun-20 Total Operating Personnel G&A Expenses (in Rp billion) Breakdown of G&A Jun-20 Jun-19 YoY General 901 1,076 -16.3% Rental 97 2
Slide 12: Strong Capital Position
Strong Capital Position 21.38% 22.10% 20.09% 20.64% 19.07% 137,120 133,575 125,234 127,172 119,582 26,151 26,833 26,770 26,244 26,423 Jun-19 Sep-19 Dec-19 Mar-20 Jun-20 Risk Weighted Assets (Rp Billion) Total Capital (Rp Billion) CAR Capital Ratios Jun-20 Mar-20 Dec-19 Sep-19 Jun-19 YoY QoQ Tier I 2
Slide 13: Balance Sheet - Consolidated
Balance Sheet - Consolidated Rp billion Jun-20 Mar-20 Jun-19 YoY QoQ Loans 115,688 122,944 135,427 -14.6% -5.9% Other Earning Assets 34,931 40,406 28,693 21.7% -13.5% Other Assets 13,502 18,118 19,519 -30.8% -25.5% Total Assets 164,121 181,468 183,639 -10.6% -9.6% Deposits from Customer 105,775 117,
Slide 14: Financial Ratios
Financial Ratios Jun-20 Mar-20 Jun-19 YoY Jun-20 Mar-20 Jun-19 YoY Consolidated Bank Only a b c (a-c) a b c (a-c) Profitability Profitability Return On Assets 1.23% 1.62% 1.12% 0.11% Return On Assets 1.01% 1.37% 0.89% 0.12% Return On Equity (Tier 1) 6.68% 8.96% 6.50% 0.18% Return On Equity (Tier 1)
Slide 15: Table of Contents
Table of Contents Executive Summary 2 Results Overview 5 Shariah Banking 15 Subsidiaries 18 Update on Covid-19 21 Appendix Maybank Indonesia in Brief 23 Events and CSR Highlights 28 Financial Results: 1H 2020 ended 30 June 2020
Slide 16: Shariah Banking
Shariah Banking Shariah Financing increased by 3.6% to Rp25.0 trillion, contributing 21.6% to the Bank‟s consolidated loans. Global Banking experiencing increased by 20.5% YoY, while CFS Banking experienced slide down by 5.8% YoY due to the covid-19 pandemic effect. We successfully grew Savings
Slide 17: Shariah Banking
Shariah Banking Shariah Financing Rp Billion Shariah Deposits Rp Billion 3.6% -10.0% 24,998 27,127 -15.4% 24,402 24,130 21,495 18,191 TD CASA +10.3% 5,632 6,211 Jun-19 Jun-20 Jun-19 Jun-20 Page 17
Slide 18: Table of Contents
Table of Contents Executive Summary 2 Results Overview 5 Shariah Banking 15 Subsidiaries 18 Update on Covid-19 21 Appendix Maybank Indonesia in Brief 23 Events and CSR Highlights 28 Financial Results: 1H 2020 ended 30 June 2020
Slide 19: Maybank Finance
Maybank Finance Revenue and Profit Before Tax Asset Quality Rp Billion +2.5% 595 610 +8.1% 0.75% 0.34% 0.31% 0.27% 0.26% 229 247 0.44% 0.19% 0.16% 0.14% 0.15% Jun-19 Jun-20 Jun-19 Sep-19 Dec-19 Mar-20 Jun-20 Revenue Profit Before Tax NPL Net NPL Gross Financing Unit Financing (unit) Rp Billion
Slide 20: WOM Finance
WOM Finance Revenue and Profit Before Tax Asset Quality Rp Billion -9.8% 1,252 1,129 5.61% 2.98% 2.42% 2.00% 2.12% -26.5% 2.59% 0.81% 0.63% 0.62% 0.68% 99 73 Jun-19 Jun-20 Jun-19 Sep-19 Dec-19 Mar-20 Mar-20 Revenue Profit Before Tax NPL Net NPL Gross Financing Unit Financing („000 unit) 173 Rp B
Slide 21: Table of Contents
Table of Contents Executive Summary 2 Results Overview 5 Shariah Banking 15 Subsidiaries 18 Update on Covid-19 21 Appendix Maybank Indonesia in Brief 23 Events and CSR Highlights 28 Financial Results: 1H 2020 ended 30 June 2020
Slide 22: 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 23: Table of Contents
Table of Contents Executive Summary 2 Results Overview 5 Shariah Banking 15 Subsidiaries 18 Update on Covid-19 21 Appendix Maybank Indonesia in Brief 23 Events and CSR Highlights 28 Financial Results: 1H 2020 ended 30 June 2020
Slide 24: Profile
Profile Profile* Established : 15 May 1959 Total Assets : Rp164.1 trillion Total Equity : Rp26.2 trillion Market Capitalisation : Rp12.3 trillion Rank #11 in terms of Assets Position in Indonesia** : Rank #11 in terms of Loans Rank #11 in terms of Deposits 368 (Maybank Indonesia) # of Branches : 582
Slide 25: 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 26: 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 26
Slide 27: 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 27
Slide 28: Table of Contents
Table of Contents Executive Summary 2 Results Overview 5 Shariah Banking 15 Subsidiaries 18 Update on Covid-19 21 Appendix Maybank Indonesia in Brief 23 Events and CSR Highlights 28 Financial Results: 1H 2020 ended 30 June 2020
Slide 29: Events and CSR Highlights in 2Q 2020
Events and CSR Highlights in 2Q 2020 Maybank Indonesia 61st Anniversary Maybank Indonesia turned 61 on 15 May 2020. In accordance with the latest situation related to the Covid-19 pandemic, the anniversary celebration was held virtually through the official Maybank Indonesia website. (15 May) Mayban
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 MAYBA NK ! respect. - We make humanising y ‘- . - f financial services more than ~ just a promise but the way we do business. e ~~ sé 1 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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