Malayan Banking Bhd. · MYX:MAYBANK
Malayan Banking Bhd — PT Bank Internasional Indonesia — H1 2015 Earnings Presentation
34 slides from Malayan Banking Bhd's earnings presentation, 2015
Slide 1: Perkembangan Bank Internasional Indonesia (BII)
Perkembangan Bank Internasional Indonesia (BII) PT Bank Internasional Indonesia Tbk Rapat Komite Informasi LPS 1H 2015 Results Jakarta,
Slide 2: Table of Contents
Table of Contents Summary of 1Q 2015 BII in Brief Financial Performance Strategy and Target Awards, Corporate Social Responsibility (CSR) & Event Highlights Regulation Updates Page 2
Slide 3: Summary of 1H 2015
Summary of 1H 2015 (All numbers are consolidated and according to Bank Indonesia classification unless otherwise stated) Page 3
Slide 4: Summary of 1H 2015
Summary of 1H 2015 Profit After Tax & Non-Controlling Interest (NCI) increased 13.9% Annual Rating Review of Fitch and PEFINDO, remained strong with AAA and stable outlook • Loans portfolio grew by 2.4% (YoY) with loan mix : Global Banking 20%, Business Banking 40% and Retail Banking 40% Loans •
Slide 5: BII in Brief
BII in Brief Page 5
Slide 6: Profile
Profile Profile Established : 15 May 1959 Total Assets : Rp149.8 Trillion Total Equity : Rp15.0 Trillion Market Capitalisation : Rp13.2 Trillion Position in Indonesia : Rank #10 in terms of Assets (as of June2015) Rank #10 in terms of Deposits Rank #10 in terms of Loans 455* (BII) # of Branches : 68
Slide 7: Company Rating and Shareholding
Company Rating and Shareholding Company Rating Shareholding 78.98% LONDON BRANCH PUBLIC National Long-Term Rating AAA(idn), Outlook Stable 18.31% 2.71% National Short-Term Rating F1+(idn) Long Term Issuer Default Rating BBB, Outlook Stable Short Term Issuer Default Rating F3 Viability Rating bb Supp
Slide 8: Board of Commissioners
Board of Commissioners Datuk Abdul Farid bin Alias Spencer Lee Tien Chye Commissioner and PCEO of Commissioner Maybank Tan Sri Megat Zaharuddin President Commissioner and Chairman of Maybank Umar Juoro Budhi Dyah Sitawati Achjar Iljas Independent Independent Independent Commissioner Commissioner Com
Slide 9: Board of Directors
Board of Directors Lani Darmawan Jenny Wiriyanto Eri Budiono Director Director Director Taswin Zakaria President Director Ghazali M. Rasad Thilagavathy Nadason Dhien Tjahajani Henky Sulistyo Director Director Director Director Page 9
Slide 10: Present to Serve the Communities across Indonesia
Present to Serve the Communities across Indonesia 1 Micro Branch & 416 Conventional 9 Shariah Branches 2 Overseas Branches 86 Micro Banking Branches Services 1,564 ATM & CDM 26 Platinum Access Access >20.000 ATM 16 Mobil Kas Keliling >5 Million Customer Center and Room Bersama*) & MEPS (MKK) Malaysi
Slide 11: Integrated One Stop Financial Services Provider
Integrated One Stop Financial Services Provider Global Banking Business Banking Retail Banking Providing banking and payment Providing banking and payment Providing banking and payment Objective solution to large local corporates and solution to mid corporates, solution to the retail customers State
Slide 12: Financial Performance
Financial Performance Page 12
Slide 13: Income Statement – Consolidated
Income Statement – Consolidated Profit After Tax & Non-Controlling Interest increased 13.9% mainly caused by increase in Net Interest income and Non Interest Income (Fee Based Income) by 10.9% and 8.5% respectively Rp Billion Jun-14 Jun-15 YoY a b (b/a)-1 Interest Income 6,424 6,787 5.7% Interest Ex
Slide 14: Balance Sheet – Consolidated
Balance Sheet – Consolidated CASA ratio improved 1.2% as reduced reliance on time deposits and improved CASA deposit mix Rp Billion Jun-14 Jun-15 YoY a b (b/a)-1 Loans 105,967 108,458 2.4% Other Earning Assets 16,805 18,400 9.5% Other Non Earning Assets 22,165 22,958 3.6% Total Assets 144,937 149,81
Slide 15: Financial Ratios
Financial Ratios Key Operating Ratio Jun-14 Jun-15 Key Operating Ratio Jun-14 Jun-15 Consolidated A B (B-A) Bank Only A B (B-A) Profitability Profitability Return On Assets 0.73% 0.70% -0.03% Return On Assets 0.49% 0.52% 0.03% Return On Equities (Tier 1) 6.23% 5.73% -0.50% Return On Equities (Tier 1
Slide 16: Loans
Loans Business Banking and Retail Banking continued to be growth drivers that increased 13.1% and 14.2% (YoY) respectively and exceeded industry loan growth of 10.5% (as per April 2015) LDR & Total Loans Rp Trillion Loan Portfolio Breakdown in Retail Banking Rp Trillion ΔYoY : 14.24% ΔQoQ : 3.95% 21
Slide 17: Asset Quality
Asset Quality Impacted mainly by deterioration in existing corporate portfolio operating amidst challenging business condition Asset Quality – BII (consolidated) Asset Quality – BII Finance 4.62% 0.37% 0.33% 3.61% 3.59% 0.23% 3.42% 3.34% 3.48% 0.18% 2.77% 2.80% 0.30% 2.62% 2.44% 0.14% 0.25% 3.29% 0.
Slide 18: Customer Deposits
Customer Deposits Continue to exercise rigorous control and discipline over growth of liquidity volume & pricing, while intensively executing CASA initiatives. Deposits increased to Rp107.1 trillion and improved CASA Ratio Deposits from Customers by Business Segments Deposits from Customers by Type
Slide 19: Shariah Banking
Shariah Banking The Shariah First continue to deliver significant shariah assets growth with increase of 71.0% (YoY), to Rp9.7 trillion from Rp5.7 trillion Shariah First strategy deliver promising results until 1H2015 Customer Deposits increased by 77% (YoY) to Rp5.1 trillion Financing increased
Slide 20: Capital
Capital Strong capital to support the business expansion • Capital Adequacy Ratio (CAR) – consolidated as per 30 June 2015 was 15.68% with total capital of Rp18.2 trillion from Rp14.3 trillion in the previous year Page 20
Slide 21: BII Finance
BII Finance Profit Before Tax increase 23.8% YoY into Rp190 billion from Rp154 billion and asset quality maintained at healthy level Revenue and Profit Before Tax Consumer Financing IDR billion IDR billion 420 4,119 349 3,001 190 154 Jun-14 Jun-15 Jun-14 Jun-15 Revenue Profit Before Tax Asset Qualit
Slide 22: WOM Finance
WOM Finance Still facing challenges although its total consumer financing increased 10.8% (YoY) from Rp4.1 trillion in June 2014 to Rp4.6 trillion in June 2015. Increased focus on cost management and improving the consumer financing product mix will help in the 2H 2015 Revenue and Profit Before Tax
Slide 23: Strategy and Target
Strategy and Target Page 23
Slide 24: Building Competitive Advantage
Building Competitive Advantage Through four pillars of BII Global Banking Business Banking Retail Banking Shariah Banking MKE MSI MGAM WOMF BIIF Community Development Human Capital Operations & IT Risk Finance MKE = Maybank Kim Eng Indonesia MGAM = Maybank GMT Asset Management BIIF = BII Finance Cen
Slide 25: Strategic Direction 2015 - 2016
Strategic Direction 2015 - 2016 IRT (Indonesia Regional Transformation) to boost regional business penetration Focus on CASA growth Achieve 2015 Loan growth with Capital light strategy Aspiration Leverage value chain and maximizing cross sell Sustainable asset quality Loan Growth 10-13% Transaction
Slide 26: Awards, Corporate Social Responsibility (CSR) & Event Highlights
Awards, Corporate Social Responsibility (CSR) & Event Highlights Page 26
Slide 27: Service Quality Award
Service Quality Award “Legend Achievement” for Six Consecutive Years Top Performers in Service Survey held by ISMS Trisakti & Infobank Magazine One of proof in our high quality services to maintain customer satisfaction Page 27
Slide 28: Our Awards in 1H 2015
Our Awards in 1H 2015 Service Awards Excellent Service Experience (ESE) Award 2015 – 3rd rank Excellent Service Experience Award 2015 for regular Domestic Bank by Carre Center for Customer Satisfaction Loyalty (Carre-CCSL) and Bisnis Indonesia Newspaper, 10 February 2015 Contact Center Service E
Slide 29: Focus Area of BII CSR Program
Focus Area of BII CSR Program Provide opportunity for better Promote winning culture & healthy education life through sports and health • Focus on providing • Support communities scholarships to young talents through health & sport from underprivileged programs families Promote • Support banking Edu
Slide 30: CSR Highlights
CSR Highlights Free Treatment for Sukorejo’s residents BII Semarang branch in collaboration with Dompet Peduli Umat-Daaurut Tauhiid (DPU- DT) held a free treatment and give donation to the needy residents in Sukorejo, Gunung Pati, Semarang, 19 April 2015. BII blood drive In this blood drive event su
Slide 31: Event Highlights
Event Highlights 1 2 3 4 5 6 7 1. AGMS 2015 5. BII Sukma Awards 2015 Announcement One of the AGMS 2015 agenda is acceptance of replacement Independent BII again held “BII Sukma Awards” as our commitment towards sustainable Director and appointment of Mr. Eri Budiono as the new Global Banking women e
Slide 32: Regulation Updates
Regulation Updates Page 32
Slide 33: Major Regulation Updates in 1H 2015
Major Regulation Updates in 1H 2015 1 Loosening LTV & FTV in 2 LDR will be replaced with 3 Use of Rupiah Domestically Mortgage and down payment Loan to Funding ratio (LFR) in Auto Loan Based on BI regulations No. Based on BI regulations No. To maintain Rupiah stability, Bank 17/10/PBI/2015 as publis
Slide 34: Thank You
Thank You Disclaimer: Please note that some of the statements in this document may constitute “forward-looking statements” that do not directly or exclusively relate to historical facts. Some of the statements in this document (including but not limited to the forward-looking statements) are derived
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