Malayan Banking Bhd. · MYX:MAYBANK
Malayan Banking Bhd — Maybank Indonesia — FY2017 Earnings Presentation
31 slides from Malayan Banking Bhd's earnings presentation, 2018
Slide 1: Maybank Indonesia Financial Results FY 2017
Humanising Financial Services Maybank Indonesia Financial Results FY 2017 ended 31 December 2017 www.maybank.co.id
Slide 2: Table of Contents
Table of Contents Summary of FY 2017 Results 3 Financial Performance 5 Maybank Indonesia in Brief 20 Awards, Events and CSR Highlights 26
Slide 3: Summary of FY 2017 Results
Summary of FY 2017 Results All numbers are based on Consolidated Financial Statements which are in accordance with accounting classification unless otherwise stated. The classifications differ from published results which are in accordance with Bank Indonesia’s classification.
Slide 4: Summary of FY2017 Results
Summary of FY2017 Results Top line grows despite moderate loan growth 1 • Moderate loans growth of 3.0% (YoY) to Rp125.4 trillion. Global Banking maintained its loan growth Loans growth and momentum throughout the year and grew 17.1% (YoY). CFS Non-Retail loans grew by 2.0% (YoY) while Proactive ass
Slide 5: Financial Performance
Financial Performance
Slide 6: Balance Sheet
Balance Sheet Effective Use of Balance Sheet and Significantly Improved Asset Quality Dec-17 Sep-17 Dec-16 Dec-16 Financial Position - Consolidated QoQ YoY (Published) (Published) (Proforma) * (Published) ** Rp Billion a b c d (a/b)-1 (a/c)-1 Loans 125,436 121,754 121,787 115,736 3.0% 3.0% Other Ear
Slide 7: Income Statement
Income Statement The Bank‟s top line grew supported by continued improvement in operational efficiency Income Statement - Consolidated FY 2017 9M 2017 FY 2016 YoY 4Q 2017 3Q 2017 QoQ Rp Billion a b c (a/b)-1 d e (d/e)-1 Interest Income 14,803 11,083 14,864 -0.4% 3,720 3,701 0.5% Interest Expense (7,
Slide 8: Financial Ratios
Financial Ratios Key Operating Ratio Dec-17 Sep-17 Dec-16 Key Operating Ratio Dec-17 Sep-17 Dec-16 Consolidated a b c (a-c) Bank Only a b c (a-c) Profitability Profitability Return On Assets 1.48% 1.58% 1.60% -0.12% Return On Assets 1.23% 1.37% 1.48% -0.25% Return On Equities (Tier 1) 9.91% 10.74% 1
Slide 9: Loans
Loans Strong Loans Growth in Global Banking LDR & Total Loans Rp Trillion Loans Portfolio Breakdown Rp Trillion Dec-17 Sep-17 Dec-16 YoY QoQ Global Banking 30.2 28.2 25.7 17.1% 7.0% CFS 95.3 93.6 96.0 -0.8% 1.8% CFS Non-Retail 52.6 51.4 51.5 2.0% 2.3% Δ YoY : 3.0% Business Banking 30.9 29.9 30.3 2.0
Slide 10: Asset Quality
Asset Quality The Bank was able to significantly improve its asset quality Asset Quality – Maybank Indonesia Asset Quality – Maybank Indonesia Impaired Loans (consolidated) NPL (consolidated) 3.74% 3.87% 3.42% 3.56% 4.03% 4.06% 3.54% 3.66% 3.32% 2.81% 2.77% 2.28% 2.45% 2.40% 2.39% 2.31% 2.32% 2.52%
Slide 11: Asset Quality – Loan Loss Coverage
Asset Quality – Loan Loss Coverage Allowance for losses on loans Collateral Coverage Dec’17 for NPL Loan • Collateral includes Cash, Land & Allowance for losses on loans Building (L&B), Loss Loan Coverage (LLC) - GIL Loss Loan Coverage (LLC) - NPL } Covered by Collaterals 70.2% 42.1% equipment, vehi
Slide 12: Customer Deposits
Customer Deposits Focus on CASA accumulation Deposits from Customers by Business Segment The Bank‟s recently launched MOVE (Maybank Online Savings Opening platform) which is a fully digital account opening facility provides convenience and greater flexibility for customers. MOVE will be focusing on
Slide 13: Fee Income
Fee Income Fee Income increased by 2.8% to Rp2.7 trillion Rp billion +2.8% YoY (39.4)% YoY (23.3)% YoY +344.2% YoY +4.4% YoY 2,729 2,656 1,532 1,599 Dec-16 Dec-17 790 479 478 226 174 108 Total Fee Income Fees and commissions other Gains on foreign exchange Gains/loss of trading Other fee income than
Slide 14: Operating Expenses
Operating Expenses Recurring Operating Expenses remained under control, growing 0.6% YoY to Rp5.6 trillion Rp billion +0.6% YoY +0.3% YoY +0.9% YoY (in Rp billion) Breakdown of G&A Dec-17 Dec-16 YoY General 1,547 * 1,534 16.6% * General expenses include a one-off legal cost following a domestic Rent
Slide 15: Sound Capital Position
Sound Capital Position 17.59% 17.53% 16.77% 16.95% 16.89% 129,881 128,014 130,247 128,136 128,976 21,784 21,705 22,001 22,545 22,615 Dec-16 Mar-17 Jun-17 Sep-17 Dec-17 Risk Weighted Assets (Rp Billion) Total Capital (Rp Billion) CAR Capital Ratios Dec-17 Sep-17 Jun-17 Mar-17 Dec-16 YoY QoQ Tier I 14
Slide 16: Shariah Banking
Shariah Banking - Continued to record an impressive performance in 2017 - Awarded as the Best Shariah Bank in Shariah Awards 2017 awarded by Investor Magazine Shariah First strategy continues to deliver strong results Assets increased by 16.7% (YoY) to Rp27.1 trillion, contributing 15.7% of the Ba
Slide 17: E-Channel Transactions
E-Channel Transactions Maybank M2U Internet Banking Number of Users Number of Transactions (Thou) +53.1% 239,156 +32.2% 25,945 19,630 156,260 Dec-16 Dec-17 FY16 FY17 Transaction Volume (Rp billion) +7.3% 24,937 23,231 FY16 FY17 Page 17
Slide 18: Maybank Finance Operations
Maybank Finance Operations Sustaining positive momentum Revenue and Profit Before Tax Financing IDR billion 15.0% IDR billion 14.5% 6,843 5,979 7.2% Dec-16 Dec-17 Asset Quality Unit Financing (unit) 47,529 44,145 33,978 0.39% 0.41% 0.39% 30,893 0.36% 0.22% 0.32% 0.33% 0.32% 0.30% 398 327 0.26%
Slide 19: WOM Finance Operations
WOM Finance Operations Recorded an outstanding FY2017 performance and asset quality improvement Revenue and Profit Before Tax Financing IDR billion IDR billion 11.8% 14.6% >100% Asset Quality Unit Financing („000 unit) 465 425 3.32% 2.96% 2.84% 2.60% 231 241 2.17% 191 145 1.25% 1.17% 1.21% 1.08%
Slide 20: Maybank Indonesia in Brief
Maybank Indonesia in Brief
Slide 21: Profile
Profile Profile* Established : 15 May 1959 Total Assets : Rp173.3 Trillion Total Equity : Rp20.8 Trillion Market Capitalisation : Rp17.9 Trillion Position in Indonesia : Rank #9 in terms of Assets Rank #8 in terms of Loans Rank #8 in terms of Deposits 407** (Maybank Indonesia) # of Branches : 627 18
Slide 22: Company Ratings and Shareholdings
Company Ratings and Shareholdings Company Rating Shareholders PUBLIC National Long-Term Rating AAA(idn); Outlook Stable National Short-Term Rating F1+(idn) 78.98% 21.02% Long-Term Foreign-Currency IDR BBB; Outlook Stable Short-Term Foreign-Currency IDR F3 Viability Rating bb Support Rating 2 Senior
Slide 23: Board of Commissioners
Board of Commissioners Spencer Lee Tien Chye Edwin Gerungan* Commissioner Commissioner Datuk Abdul Farid bin Alias President Commissioner Budhi Dyah Sitawati Achjar Iljas Hendar** Independent Commissioner Independent Commissioner Independent Commissioner * Obtained approval from OJK, but will be eff
Slide 24: Board of Directors
Board of Directors Thilagavathy Nadason Jenny Wiriyanto Dhien Tjahajani Director Director Director Taswin Zakaria President Director Eri Budiono Irvandi Ferizal Effendi Director Director Director Page 24
Slide 25: Building Competitive Advantage
Building Competitive Advantage Through four pillars of Maybank Indonesia CFS Non Retail CFS Retail MKE = Maybank Kim Eng Indonesia MAM = Maybank Asset Management MIF = Maybank Finance (subsidiary of Maybank Indonesia) MSI = Maybank Syariah Indonesia WOMF = Wahana Ottomitra Multiartha (Subsidiary of
Slide 26: Awards, Events and CSR Highlights
Awards, Events and CSR Highlights
Slide 27: Notable Awards in 2017
Notable Awards in 2017 Indonesian Corporate Responsibility Awards Bisnis Indonesia Financial Award 2017 2017 Maybank Indonesia was awarded The Most Maybank Indonesia was awarded The Best CSR Efficient Banks in Bisnis Indonesia Financial in Indonesian Corporate Responsibility Awards Award 2017 held b
Slide 28: Event Highlights in 2017
Event Highlights in 2017 Press Conference and Analyst Briefing Maybank Bali Marathon 2017 Maybank Indonesia Maybank Bali Marathon (MBM) was successfully Maybank Indonesia announced its Full Year held for the sixth time in 2017, in which more 2016 financial results through Press than 9,000 runners pa
Slide 29: CSR Highlights in 2017
CSR Highlights in 2017 Maybank Women Eco Weavers participated in Maybank Indonesia Holds CSR Program at MBM 2017 Maybank Championship 2017 Maybank Indonesia held the corporate social Maybank Women Eco Weavers program in Indonesia was responsibility (CSR) program to the communities invited to partici
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 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