PT Bank Maybank Indonesia Tbk Class A · IDX:BNII
PT Bank Maybank Indonesia Tbk Class A — FY2019 Earnings Presentation
36 slides from PT Bank Maybank Indonesia Tbk Class A's earnings presentation, 2020
Slide 1: Maybank Indonesia Financial Results FY 2019
Humanising Financial Services Maybank Indonesia Financial Results FY 2019 ended 31 December 2019 www.maybank.co.id
Slide 2: Table of Contents
Table of Contents Executive Summary 2 Results Overview 5 Digital Banking 16 Shariah Banking 20 Subsidiaries 23 Appendix Maybank Indonesia in Brief 26 Awards, Events and CSR Highlights 31 Financial Results: FY 2019 ended 31 December 2019
Slide 3: Executive Summary of FY 2019 Results (1/2)
Executive Summary of FY 2019 Results (1/2)* 1 • Pre-provision operating profit slightly grew by 0.3% YoY to Rp4.4 trillion • PATAMI decreased by 16.0% YoY to Rp1.8 trillion mainly due to higher provisions by 35.9% YoY as the Bank maintained its conservative stance in setting aside provision for acco
Slide 4: Executive Summary of FY 2019 Results (2/2)
Executive Summary of FY 2019 Results (2/2) 3 • Total customer deposits decreased by 5.3% YoY to Rp110.6 trillion as the Bank managed to release surplus high- cost CA and time deposits over the period. Meanwhile Savings grew 5.4% YoY. Subsequently CASA ratio stood at Liquidity and 36.65% as at Dec-19
Slide 5: Table of Contents
Table of Contents Executive Summary 2 Results Overview 5 Digital Banking 16 Shariah Banking 20 Subsidiaries 23 Appendix Maybank Indonesia in Brief 26 Awards, Events and CSR Highlights 31 Financial Results: FY 2019 ended 31 December 2019
Slide 6: Income Statement - Consolidated
Income Statement - Consolidated Rp billion FY 2019 FY 2018 YoY 4Q 2019 3Q 2019 QoQ Interest Income 15,480 14,790 4.7% 3,675 3,978 -7.6% Interest Expense (7,312) (6,690) 9.3% (1,632) (1,877) -13.1% Net Interest Income 8,168 8,100 0.8% 2,043 2,101 -2.8% Non Interest Income 2,587 2,267 14.1% 725 695 4.
Slide 7: Loans
Loans Global Banking booked loans growth of 3.4% YoY. CFS Non-Retail and Retail down by 17.1% and 4.2% respectively. LDR & Total Loans Rp trillion Loans Portfolio Breakdown Rp trillion 109.75% 108.91% Dec-19 Sep-19 Dec-18 YoY QoQ 102.11% 104.30% 107.64% Global Banking 32.1 35.4 31.0 3.4% -9.3% 96.46
Slide 8: Asset Quality
Asset Quality Took a proactive stance and maintained risk posture to safeguard asset quality 4.01% 4.00% 3.73% 3.10% 3.29% Impaired Loans - Gross Impaired Loans (consolidated) 2.13% 2.16% 2.31% Impaired Loans - Net 1.81% 1.90% Dec-18 Mar-19 Jun-19 Sep-19 Dec-19 Impaired Loans - Gross Impaired Loans
Slide 9: Customer Deposits
Customer Deposits Released surplus liquidity for the quarter Deposits from Customers by Business Segment 19% 18% Global Banking Dec-18 Dec-19 CFS 81% 82% Deposits from Customers by Type 21% 18% Current Account Dec-18 Saving Account Dec-19 19% 62% 17% Time Deposit 63% Rp Trillion Dec-19 Sep-19 Dec-18
Slide 10: Increase the CASA Retail in 4Q'19
Increase the CASA Retail in 4Q‟19 +4.3% Top Up Campaign -5.6% -3.1% 21.5T Top up min. Rp 10 mn to 38.6T 56.2T get Bonus Interest on 20.6T 36.5T 54.4T MAKSI & Woman One Dec 18 Dec 19 account CASA Retail or Top up or open MyPlan Plus Dec 18 Dec 19 Dec 18 Dec 19 account to get direct gift CASA TD throu
Slide 11: Fee Income
Fee Income Fee income improved driven by GM, bancassurance, investment and e-channel transaction fees Rp billion +14.1% YoY +8.1% YoY +88.4% YoY +>100% YoY +3.3% YoY 2,587 2,267 1,773 1,832 Dec-18 Dec-19 380 411 199 145 106 8 Total Fee Income Fees and commissions Gains on foreign exchange
Slide 12: Operating Expenses (Opex)
Operating Expenses (Opex) Pure Operating Expenses (Opex) flat at 0.1% YoY. However, included in Opex are the incentives paid for Mudharabah deposits which resulted in a 6.2% “growth” in Opex Rp billion +6.2% YoY +4.5% YoY +7.4% YoY 6,397 6,023 3,826 3,562 2,461 2,571 Dec-18 Dec-19 Total Operat
Slide 13: Strong Capital Position
Strong Capital Position 21.38% 20.09% 19.04% 18.73% 19.07% 136,888 138,481 137,120 133,575 125,234 26,065 25,940 26,151 26,833 26,770 Dec-18 Mar-19 Jun-19 Sep-19 Dec-19 Risk Weighted Assets (Rp Billion) Total Capital (Rp Billion) CAR Capital Ratios Dec-19 Sep-19 Jun-19 Mar-19 Dec-18 YoY QoQ Tier I 1
Slide 14: Balance Sheet - Consolidated
Balance Sheet - Consolidated Rp billion Dec-19 Sep-19 Dec-18 YoY QoQ Loans 122,579 129,810 133,349 -8.1% -5.6% Other Earning Assets 29,185 29,829 23,806 22.6% -2.2% Other Assets 17,319 18,212 20,377 -15.0% -4.9% Total Assets 169,083 177,851 177,533 -4.8% -4.9% Deposits from Customer 110,601 115,573
Slide 15: Financial Ratios
Financial Ratios Dec-19 Sep-19 Dec-18 YoY Dec-19 Sep-19 Dec-18 YoY Consolidated Bank Only a b c (a-c) a b c (a-c) Profitability Profitability Return On Assets 1.45% 1.13% 1.74% -0.29% Return On Assets 1.09% 0.82% 1.48% -0.40% Return On Equity (Tier 1) 7.73% 6.26% 10.21% -2.48% Return On Equity (Tier
Slide 16: Table of Contents
Table of Contents Executive Summary 2 Results Overview 5 Digital Banking 16 Shariah Banking 20 Subsidiaries 23 Appendix Maybank Indonesia in Brief 26 Awards, Events and CSR Highlights 31 Financial Results: FY 2019 ended 31 December 2019
Slide 17: Continuous enhancement on Digital Banking features and campaign
Continuous enhancement on Digital Banking features and campaign have increased both number of users and transactions consistently Internet & Mobile Banking 18% 118% In Q4 2019, Maybank continued to enhance and promote its Digital Banking services to provide customer transaction convenience and migra
Slide 18: New M2U Maybank App
New M2U Maybank App New M2U Maybank App. 24/7 Everything at Your Fingertips Secure login: Login securely and instantly with your fingerprint or face ID Online Account Opening whenever wherever Quick Favourite: Make your transactions much faster and efficient with our Favourite features FREE MAX: Enj
Slide 19: QR Code Indonesian Standard (QRIS)
QR Code Indonesian Standard (QRIS) One QR for all payment starting from OVO, Gopay, DANA, M2U, Sakuku, LinkAja and many more. Complete your business more easily and practically pay with Maybank QR Pay. Easy payment Receive payment from all digital wallet, emoney, QR other banks Real time Real time s
Slide 20: Table of Contents
Table of Contents Executive Summary 2 Results Overview 5 Digital Banking 16 Shariah Banking 20 Subsidiaries 23 Appendix Maybank Indonesia in Brief 26 Awards, Events and CSR Highlights 31 Financial Results: FY 2019 ended 31 December 2019
Slide 21: Shariah Banking
Shariah Banking Shariah Financing grew 1.4% to Rp24.0 trillion, contributing 19.6% to the Bank‟s consolidated loans. Shariah Deposits grew by 9.4% to Rp25.5 trillion, contributing 23.0% to the Bank‟s consolidated customer deposits. Shariah Assets up by 8.1% to Rp32.6 trillion, contributing 19.
Slide 22: Shariah Banking
Shariah Banking Shariah Financing Rp Billion Shariah Deposits Rp Billion +1.4% +9.4% 24,515 26,402 24,047 25,462 23,704 23,275 Dec-18 Sep-19 Dec-19 Dec-18 Sep-19 Dec-19 Page 22
Slide 23: Table of Contents
Table of Contents Executive Summary 2 Results Overview 5 Digital Banking 16 Shariah Banking 20 Subsidiaries 23 Appendix Maybank Indonesia in Brief 26 Awards, Events and CSR Highlights 31 Financial Results: FY 2019 ended 31 December 2019
Slide 24: Maybank Finance
Maybank Finance Revenue and Profit Before Tax Asset Quality Rp Billion -3.4% 1,223 1,181 0.53% +11.6% 0.34% 0.34% 0.31% 476 0.27% 427 0.27% 0.18% 0.19% 0.16% 0.14% Dec-18 Dec-19 Dec-18 Mar-19 Jun-19 Sep-19 Dec-19 Revenue Profit Before Tax NPL Net NPL Gross Financing Unit Financing (unit) Rp Bill
Slide 25: WOM Finance
WOM Finance Revenue and Profit Before Tax Asset Quality Rp Billion +1.1% 3.18% 2,644 2.82% 2.98% 2,616 2.42% 2.00% +28.4% 0.77% 0.88% 0.81% 0.63% 0.62% 283 364 Dec-18 Dec-19 Dec-18 Mar-19 Jun-19 Sep-19 Dec-19 Revenue Profit Before Tax NPL Net NPL Gross Financing Unit Financing („000 unit) 473 Rp
Slide 26: Table of Contents
Table of Contents Executive Summary 2 Results Overview 5 Digital Banking 16 Shariah Banking 20 Subsidiaries 23 Appendix Maybank Indonesia in Brief 26 Awards, Events and CSR Highlights 31 Financial Results: FY 2019 ended 31 December 2019
Slide 27: Profile
Profile Profile* Established : 15 May 1959 Total Assets : Rp169.1 trillion Total Equity : Rp26.7 trillion Market Capitalisation : Rp15.7 trillion Rank #10 in terms of Assets Position in Indonesia** : Rank #10 in terms of Loans Rank #10 in terms of Deposits 374 (Maybank Indonesia) # of Branches : 594
Slide 28: Company Ratings and Shareholdings
Company Ratings and Shareholdings Company Rating Shareholders Public Long-Term Foreign-Currency IDR BBB; Outlook Stable Short-Term Foreign-Currency IDR F2 78.98% 21.02% Viability Rating bb Support Rating 2 National Long-Term Rating AAA(idn); Outlook Stable National Short-Term Rating F1+(idn) Sukuk M
Slide 29: 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 29
Slide 30: Board of Directors
Board of Directors Thilagavathy Nadason Jenny Wiriyanto * Eri Budiono * Director Director Director Taswin Zakaria President Director Irvandi Ferizal Effendi Widya Permana Muhamadian Director Director Director Director *) Maybank Indonesia have received resignation letter of Jenny Wiriyanto and Eri B
Slide 31: Table of Contents
Table of Contents Executive Summary 2 Results Overview 5 Digital Banking 16 Shariah Banking 20 Subsidiaries 23 Appendix Maybank Indonesia in Brief 26 Awards, Events and CSR Highlights 31 Financial Results: FY 2019 ended 31 December 2019
Slide 32: Notable Awards in 2019
Notable Awards in 2019 The 11th Annual Global CSR Summit and The 11th IICD Corporate Governance Awards 2019 Conference and Award Maybank Foundation and Maybank Indonesia Maybank Indonesia received “The Best Overall received Gold and Bronze Award respectively Big Cap” at The 11th IICD Corporate Gover
Slide 33: Event Highlights in 2019
Event Highlights in 2019 Maybank Marathon Bali 2019 Press Conference & Analyst Briefing Full Year 2018 Result The Maybank Marathon Bali 2019 event was successfully held for the eighth time. By Maybank Indonesia announced its Full Year prioritizing comfort and safety for runners, this 2018 financial
Slide 34: CSR Highlights in 2019
CSR Highlights in 2019 eMpowering Youth Across ASEAN Program Global CR Day & Maybank Indonesia 60th Anniversary Maybank Indonesia and Maybank Foundation in collaboration with ASEAN Foundation conducted Maybank Indonesia celebrated its 60th the eMpowering Youth Across ASEAN program Anniversary by car
Slide 35: 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 36: 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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