PT Bank Maybank Indonesia Tbk Class A · IDX:BNII
PT Bank Maybank Indonesia Tbk Class A — FY2021 Earnings Presentation
37 slides from PT Bank Maybank Indonesia Tbk Class A's earnings presentation, Jul 5, 2022
Slide 1: Maybank Indonesia Financial Results FY 2021
Maybank Indonesia Financial Results FY 2021 ended 31 December 2021 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 28 Events, Awards, and CSR Highlights 33
Slide 3: FY 2021 Executive Summary (1/2)
FY 2021 Executive Summary* (1/2) 1 • PBT and PATAMI recorded at Rp2,176 billion and Rp1,645 billion, higher by 19.6% and 29.9% YoY respectively mainly due to lower provision expenses and efficiencies in interest expenses & overhead costs. • PPOP decreased by 4.9% YoY attributed by lower interest inc
Slide 4: FY 2021 Executive Summary (2/2)
FY 2021 Executive Summary (2/2) 3 • Funding profile improved as reflected in improvement CASA ratio to 47.23%. Total deposits relatively flat YoY , while grew 12.8% QoQ contributed by a 19.1% QoQ growth in CASA. Significant CASA growth is also contributed Liquidity and across all segments. Funding •
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 28 Events, Awards, and CSR Highlights 33
Slide 6: Income Statement - Consolidated
Income Statement - Consolidated Rp billion FY2021 FY2020 YoY 4Q 2021 3Q 2021 QoQ Interest Income 10,730 12,827 -16.3% 2,543 2,665 -4.6% Interest Expense (3,613) (5,567) -35.1% (776) (774) 0.2% Net Interest Income 7,117 7,260 -2.0% 1,768 1,890 -6.5% Non Interest Income 2,090 2,379 -12.1% 616 522 18.0
Slide 7: Loans
Loans Loan declined YoY, however there has been growth across all segments (GB, CFS Non-Retail, and CFS Retail) QoQ LDR & Total Loans Rp trillion Loans Portfolio Breakdown* Rp trillion Dec-21 Sep-21 Dec-20 YoY QoQ Global Banking 35.0 33.6 34.5 1.4% 4.2% CFS 66.8 65.2 70.8 -5.6% 2.4% CFS Non-Retail 3
Slide 8: Asset Quality
Asset Quality The YoY deterioration in impaired loans is due to lower loan balance (denominator) despite impaired balances were booked lower than a year ago Impaired Loans Impaired Loans - Gross (consolidated) Impaired Loans - Net NPL - Gross NPL (consolidated) NPL- Net Special Mention Loans Special
Slide 9: Customer Deposits
Customer Deposits CASA ratio continues to strengthen supported by sustained reduction in cost of fund Customer Deposits by Business Segment Customer Deposits Breakdown Rp trillion Dec-21 Sep-21 Dec-20 YoY QoQ Current Account 32.4 24.2 24.6 31.5% 33.5% Saving Account 21.9 21.3 21.2 3.4% 2.8% CASA 54.
Slide 10: Fee Income
Fee Income Rp billion -12.1% YoY 6.1% YoY -55.3% YoY -29.6% YoY 0.5% YoY Breakdown of Other Fee Income Dec-21 Dec-20 YoY Retail administration 209 222 -5.8% Loan administration 129 159 -18.9% Advisory fees 53 58 -9.5% Collection of receivables previously written-off 155 145 6.5% Credit car
Slide 11: Operating Expenses (Opex)
Operating Expenses (Opex) Opex effectively controlled and declined by 4.2% yoy Rp billion -4.2% YoY 1.6% YoY -8.7% YoY Breakdown of G&A Dec-21 Dec-20 YoY General 1,506 1,722 -12.6% Rental 139 158 -11.9% Depreciation and amortization 501 495 1.2% Repairs and maintenance fixed assets 275 314 -12
Slide 12: Strong Capital Position
Strong Capital Position Capital Ratios Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 YoY QoQ Tier I 22.80% 23.85% 24.95% 25.37% 25.70% 2.90% 0.33% Tier II 1.51% 1.42% 1.32% 1.25% 1.21% -0.29% -0.04% Total CAR 24.31% 25.27% 26.27% 26.62% 26.91% 2.60% 0.29% 12
Slide 13: Balance Sheet - Consolidated
Balance Sheet - Consolidated Rp billion Dec-21 Sep-21 Dec-20 YoY QoQ Loans 101,771 98,785 105,271 -3.3% 3.0% Other Earning Assets 52,688 42,246 54,053 -2.5% 24.7% Other Assets 14,300 12,944 13,900 2.9% 10.5% Total Assets 168,758 153,974 173,224 -2.6% 9.6% Deposits from Customer 114,899 101,881 115,0
Slide 14: Financial Ratios
Financial Ratios Dec-21 Sep-21 Dec-20 YoY Dec-21 Sep-21 Dec-20 YoY Consolidated Bank Only a b c (a-c) a b c (a-c) Profitability Profitability Return On Assets 1.32% 1.21% 1.04% 0.28% Return On Assets 1.00% 0.90% 0.82% 0.18% Return On Equity (Tier 1) 6.29% 5.48% 5.13% 1.16% Return On Equity (Tier 1)
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 28 Events, Awards, and CSR Highlights 33
Slide 16: Shariah Banking Unit
Shariah Banking Unit Financing Total Asset Deposits Rp billion Rp billion 13.1% Rp billion -2.3% 11.2% -5.9% TD +69.9% CASA Shariah Banking Unit PBT surged 52.8% to Rp450 billion on the back of the Bank's continuous efforts to increase its low-cost funding. Shariah Banking Unit assets incr
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 28 Events, Awards, and CSR Highlights 33
Slide 18: M2U: Your 24/7 App, Everything at Your Fingertips
M2U: Your 24/7 App, Everything at Your Fingertips #M2UinAja #DiRumahAja 1 Manage Financial Portfolio 2 24/7 Payment Solution Complete control of all financial portfolio Pay all your Bills with free admin fee Credit Card Fund Utilities Telco Insurance Saving Transfer to Time Deposit Credit Card Loan
Slide 19: Key Highlight of Digital Initiatives FY 21
Key Highlight of Digital Initiatives FY 21 M2U transaction growth trend are maintained and more features have been launched M2U QR Pay M2E • 42% YoY growth in M2U • More than 120K retail • QR Pay transactions volume • Financial transactions from transactions volume with saving account have been cond
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 28 Events, Awards, and CSR Highlights 33
Slide 21: Maybank Finance
Maybank Finance Revenue and Profit Before Tax Asset Quality Rp billion -11.0% 4.4% Financing Unit Financing (unit) Rp billion 2.4% 21
Slide 22: WOM Finance
WOM Finance Revenue and Profit Before Tax Asset Quality Rp billion -21.5% 76.0% Financing Unit Financing (‘000 unit) Rp billion 1.8% 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 28 Events, Awards, and CSR Highlights 33
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 28 Events, Awards, and CSR Highlights 33
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 Rp38.2 trillion as of Dec 2021 Contributing 42.1% 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: 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 28 Events, Awards, and CSR Highlights 33
Slide 29: Profile
Profile Profile* Established : 15 May 1959 Total Assets : Rp168.8 trillion Total Equity : Rp28.7 trillion Market Capitalization : Rp25.3 trillion Rank #13 in terms of Assets Position in Indonesia** : Rank #13 in terms of Loans Rank #13 in terms of Deposits 356 (Maybank Indonesia) # of Branches : 555
Slide 30: Company Ratings & Shareholdings
Company Ratings & Shareholdings Company Ratings Shareholding Structure As of December 2021 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 Hol
Slide 31: Board of Commissioners
Board of Commissioners Dato’ Sri Abdul Farid Alias Edwin Gerungan Datuk Lim Hong Tat President Commissioner Commissioner Commissioner Budhi Dyah Sitawati Achjar Iljas Hendar Putut Eko Bayuseno Independent Commissioner Independent Commissioner Independent Commissioner Independent Commissioner 31
Slide 32: 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 David Formula Director Director Director Director Director 32
Slide 33: 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 28 Events, Awards, and CSR Highlights 33
Slide 34: Events & Awards in 4Q 2021
Events & Awards in 4Q 2021 Maybank's Sharia Business Unit Win 'Very Good' Predicate at Infobank 10th Sharia Awards 2021 Maybank Indonesia's Shariah Business Unit (UUS) received a total score of 84.21 on the Commercial Bank Sharia Business Unit Rating from the Infobank Research Bureau . Maybank Indon
Slide 35: CSR Activities in 4Q 2021
CSR Activities in 4Q 2021 Virtual RISE (Reach Independence and Sustainable Entrepreneurship) 2.0 Program for People with Disabilities Maybank Indonesia and Maybank Foundation with People System Consultancy continue the implementation eight series of RISE 2.0 training for basic and standard level thr
Slide 36: Thank You
Thank You Humanising Financial Services
Slide 37: 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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