PT Bank Maybank Indonesia Tbk Class A · IDX:BNII
PT Bank Maybank Indonesia Tbk Class A — 9M 2022 Earnings Presentation
39 slides from PT Bank Maybank Indonesia Tbk Class A's earnings presentation, 2022
Slide 1: Maybank Indonesia Financial Results 9M 2022
Maybank Indonesia Financial Results 9M 2022 ended 30 September 2022 Humanising Financial Services
Slide 2: Table of Contents
Table of Contents Executive Summary 2 Results Overview 5 Shariah Banking Unit 15 Digital Banking 17 Subsidiaries 20 Update on Covid-19 23 Appendix Sustainability 25 Maybank Indonesia in Brief 30 Awards, Events, and CSR Highlights 35
Slide 3: 9M 2022 Executive Summary (1/2)
9M 2022 Executive Summary* (1/2) 1 • PBT and PATAMI recorded at Rp1.5 trillion and Rp1.1 trillion respectively, comparatively stable to last year’s results. • NIM improved by 2bps YoY to 4.77% due to continued improvement in cost of funds and growth in CASA. • Fee income excluding GM-related fees re
Slide 4: 9M 2022 Executive Summary (2/2)
9M 2022 Executive Summary (2/2) 3 • Funding profile improved as reflected in improvement CASA ratio to 51.75%, exceeding 50% for the first time. Total deposits increased by 5.0% YoY supported by higher CASA growth by 21.6%. Meanwhile TD decreased by 8.4% Liquidity and YoY in line with the Bank’s str
Slide 5: Table of Contents
Table of Contents Executive Summary 2 Results Overview 5 Shariah Banking Unit 15 Digital Banking 17 Subsidiaries 20 Update on Covid-19 23 Appendix Sustainability 25 Maybank Indonesia in Brief 30 Awards, Events, and CSR Highlights 35
Slide 6: Income Statement - Consolidated
Income Statement - Consolidated Rp billion 9M 2022 9M 2021 YoY 3Q 2022 2Q 2022 QoQ Interest Income 7,628 8,187 -6.8% 2,661 2,470 7.7% Interest Expense (2,308) (2,837) -18.7% (818) (740) 10.6% Net Interest Income 5,321 5,349 -0.5% 1,843 1,731 6.5% GM-related fees 86 238 -63.7% 33 3 1108.1% Non GM-rel
Slide 7: Loans
Loans Overall loans grew YoY, supported by corporate lending and consumer loan LDR & Total Loans Rp trillion Loans Portfolio Breakdown* Rp trillion Sep-22 Jun-22 Sep-21 YoY QoQ Global Banking 45.6 42.1 36.5 25.0% 8.4% CFS 65.8 64.7 62.3 5.7% 1.7% CFS Non-Retail 28.1 28.8 29.1 -3.6% -2.4% Business Ba
Slide 8: Asset Quality
Asset Quality Improvement on asset quality YoY is due to lower NPL and impaired loans balances supported by higher loan balances Impaired Loans Impaired Loans - Gross (consolidated) Impaired Loans - Net NPL - Gross NPL (consolidated) NPL- Net Special Mention Loans Special Mention (consolidated) 8
Slide 9: Customer Deposits
Customer Deposits CASA improved YoY supported by sustained reduction in cost of fund Customer Deposits by Business Segment Customer Deposits Breakdown Rp trillion Sep-22 Jun-22 Sep-21 YoY QoQ Current Account 32.44 31.99 24.24 33.9% 1.4% Saving Account 22.93 23.13 21.31 7.6% -0.9% CASA 55.38 55.12 45
Slide 10: Fee Income
Fee Income Rp billion -10.4% -8.1% -66.7% -58.8% 2.2% Breakdown of Other Fee Income Sep-22 Sep-21 YoY Retail administration 154 156 -1.3% Loan administration 123 100 23.3% Advisory & Arranger fees 47 41 14.5% Collection of receivables previously written-off 85 125 -32.2% Credit card admini
Slide 11: Operating Expenses (Opex)
Operating Expenses (Opex) Opex effectively managed with marginal increase YoY Rp billion 1.6% 5.5% -1.8% Breakdown of G&A Sep-22 Sep-21 YoY General 1,059 1,145 -7.5% Rental 105 103 1.7% Depreciation and amortization 371 373 -0.6% Repairs and maintenance fixed assets 210 211 -0.3% Others (inclu
Slide 12: Strong Capital Position
Strong Capital Position Capital Ratios Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 YoY QoQ Tier I 25.37% 25.70% 25.37% 24.75% 23.58% -1.79% -1.17% Tier II 1.25% 1.21% 1.17% 1.15% 1.11% -0.14% -0.04% Total CAR 26.62% 26.91% 26.54% 25.90% 24.69% -1.92% -1.21% 12
Slide 13: Balance Sheet - Consolidated
Balance Sheet - Consolidated Rp billion Sep-22 Jun-22 Sep-21 YoY QoQ Loans 111,448 106,815 98,785 12.8% 4.3% Other Earning Assets 34,682 46,371 42,246 -17.9% -25.2% Other Assets 18,732 14,142 12,944 44.7% 32.5% Total Assets 164,862 167,328 153,974 7.1% -1.5% Deposits from Customer 107,001 111,657 10
Slide 14: Financial Ratios
Financial Ratios Sep-22 Jun-22 Sep-21 YoY Sep-22 Jun-22 Sep-21 YoY Consolidated Bank Only a b c (a-c) a b c (a-c) Profitability Profitability Return On Assets 1.20% 1.15% 1.21% -0.01% Return On Assets 0.80% 0.77% 0.90% -0.10% Return On Equity (Tier 1) 5.29% 4.94% 5.48% -0.19% Return On Equity (Tier
Slide 15: Table of Contents
Table of Contents Executive Summary 2 Results Overview 5 Shariah Banking Unit 15 Digital Banking 17 Subsidiaries 20 Update on Covid-19 23 Appendix Sustainability 25 Maybank Indonesia in Brief 30 Awards, Events, and CSR Highlights 35
Slide 16: Shariah Banking Unit
Shariah Banking Unit Financing Total Asset Deposits Rp billion 7.0% Rp billion 16.4% Rp billion 12.8% +5.3% TD +37.3% CASA Total Shariah Banking Unit’s assets grew 7.0% to Rp39.7 trillion from Rp37.1 trillion, accounting for 25.7% of the Bank’s individual assets. Shariah Banking Unit’s CAS
Slide 17: Table of Contents
Table of Contents Executive Summary 2 Results Overview 5 Shariah Banking Unit 15 Digital Banking 17 Subsidiaries 20 Update on Covid-19 23 Appendix Sustainability 25 Maybank Indonesia in Brief 30 Awards, Events, and CSR Highlights 35
Slide 18: Key Highlight of Digital Initiatives Q3 22
Key Highlight of Digital Initiatives Q3 22 M2U transaction growth trend are maintained and more features have been launched M2U QR Pay M2E • 29% YoY growth in M2U • More than 160K saving • QR Pay transactions • Total transaction value in transactions volume with account have been on- volume conducte
Slide 19: New Features Launched in Q3 22
New Features Launched in Q3 22 BI FAST Digital Credit Card Features Customer can now do realtime M2U is now equipped with new Credit interbank transfer with higher Card features such as request transaction amount and lower cost conversion to installment, limit through BI FAST on M2U App increase and
Slide 20: Table of Contents
Table of Contents Executive Summary 2 Results Overview 5 Shariah Banking Unit 15 Digital Banking 17 Subsidiaries 20 Update on Covid-19 23 Appendix Sustainability 25 Maybank Indonesia in Brief 30 Awards, Events, and CSR Highlights 35
Slide 21: Maybank Finance
Maybank Finance Revenue and Profit Before Tax Asset Quality Rp billion 0.0% 17.7% Financing Unit Financing (unit) Rp billion 4.1% 21
Slide 22: WOM Finance
WOM Finance Revenue and Profit Before Tax Asset Quality Rp billion 9.2% 77.3% Financing Unit Financing (‘000 unit) Rp billion 8.3% 22
Slide 23: Table of Contents
Table of Contents Executive Summary 2 Results Overview 5 Shariah Banking Unit 15 Digital Banking 17 Subsidiaries 20 Update on Covid-19 23 Appendix Sustainability 25 Maybank Indonesia in Brief 30 Awards, Events, and CSR Highlights 35
Slide 24: Loan Restructuring due to Covid-19 Pandemic Progress Update
Loan Restructuring due to Covid-19 Pandemic Progress Update 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 Restructurin
Slide 25: Table of Contents
Table of Contents Executive Summary 2 Results Overview 5 Shariah Banking Unit 15 Digital Banking 17 Subsidiaries 20 Update on Covid-19 23 Appendix Sustainability 25 Maybank Indonesia in Brief 30 Awards, Events, and CSR Highlights 35
Slide 26: Sustainability Commitment
Sustainability Commitment Maybank Indonesia Sustainability Commitment Banking Activities Core Focus Area Core Focus Area Vision & Mission Sustainable Bank Operations Corporate Social Objectives & Responsibility Green Building Commitments Automation & Digitization Education Human Capital Management H
Slide 27: Sustainable Finance Portfolio
Sustainable Finance Portfolio Sustainable Finance Portfolio reached Rp32.7 trillion as of Sep 2022 Contributing 32.4% to the Bank’s individual loan portfolio Efficiency energy Management of Living Green Buildings that Meet Natural Resources and National, Regional or Sustainable Use of Land Internati
Slide 28: Support Maybank Group Sustainability Commitment
…and to Support Maybank Group Sustainability Commitment Commitment 1: Commitment 2: Mobilizing Improve the Lives of 1 RM50 Billion Million Households in Sustainable Finance Across ASEAN by 2025 by 2025 Commitment 3: Commitment 4: Carbon Neutral Living Sustainability position for Scope 1 and 2 Achiev
Slide 29: Maybank Sustainability Day
Maybank Sustainability Day Maybank Indonesia together with the Maybank Group held Sustainability Day on 27th August 2022 in order to raise awareness and encourage sustainability practices among participants and partners as well as to provide support for the people in Bali that were affected by the p
Slide 30: Table of Contents
Table of Contents Executive Summary 2 Results Overview 5 Shariah Banking Unit 15 Digital Banking 17 Subsidiaries 20 Update on Covid-19 23 Appendix Sustainability 25 Maybank Indonesia in Brief 30 Awards, Events, and CSR Highlights 35
Slide 31: Profile
Profile Profile* Established : 15 May 1959 Total Assets : Rp164.8 trillion Total Equity : Rp28.8 trillion Market Capitalization : Rp19.5 trillion Rank #13 in terms of Assets Position in Indonesia** : Rank #13 in terms of Loans Rank #13 in terms of Deposits 345 (Maybank Indonesia) # of Branches : 541
Slide 32: Company Ratings & Shareholdings
Company Ratings & Shareholdings Company Ratings Shareholding Structure As of Sep 2022 As of January 2022 Malayan Banking Berhad National Long-Term Rating AAA(idn); Stable Outlook National Short-Term Rating F1+(idn) Sorak Financial Maybank Offshore Corporate Subordinated Debt AA (idn) Public Holdings
Slide 33: Board of Commissioners
Board of Commissioners Dato’ Khairussaleh Ramli Edwin Gerungan Datuk Lim Hong Tat Dato’ Zulkiflee Abbas President Commissioner Commissioner Commissioner Abdul Hamid Commissioner Budhi Dyah Sitawati Achjar Iljas Hendar Putut Eko Bayuseno Independent Commissioner Independent Commissioner Independent C
Slide 34: Board of Directors
Board of Directors Taswin Zakaria Thilagavathy Nadason Irvandi Ferizal Effendi President Director Director Director Director Muhamadian Widya Permana Steffano Ridwan Ricky Antariksa Bambang Andri Irawan* Director Director Director Director Director * Effective after obtaining approval from OJK 34
Slide 35: Table of Contents
Table of Contents Executive Summary 2 Results Overview 5 Shariah Banking Unit 15 Digital Banking 17 Subsidiaries 20 Update on Covid-19 23 Appendix Sustainability 25 Maybank Indonesia in Brief 30 Awards, Events, and CSR Highlights 35
Slide 36: Awards, Events & CSR in 3Q 2022
Awards, Events & CSR in 3Q 2022 Maybank Syariah Distributes Qurban Aid Maybank Indonesia, through its sharia business unit (UUS), has again carried out the 'Sharing for Good/Berbagi untuk Kebaikan' activity which is realized through distributing social assistance as sacrificial animals (Qurban) to r
Slide 37: Awards, Events & CSR in 3Q 2022
Awards, Events & CSR in 3Q 2022 Maybank Marathon Bali 2022 Maybank Indonesia held the 10th Maybank Marathon Bali. The total number of runners participating in this year’s Maybank Marathon was close to 10,000 from 50 countries. Maybank Indonesia also invited more than 50 wheelchair athletes Bali to j
Slide 38: Thank You
Thank You Humanising Financial Services
Slide 39: 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
PT Bank Maybank Indonesia — 9M 2022 Earnings Presentation on 6ix