PT Bank Maybank Indonesia Tbk Class A · IDX:BNII
PT Bank Maybank Indonesia Tbk Class A — H1 2022 Earnings Presentation
38 slides from PT Bank Maybank Indonesia Tbk Class A's earnings presentation, 2022
Slide 1: Maybank Indonesia Financial Results 1H 2022
Maybank Indonesia Financial Results 1H 2022 ended 30 June 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 28 Awards, Events, and CSR Highlights 33
Slide 3: 1H 2022 Executive Summary (1/2)
1H 2022 Executive Summary* (1/2) 1 • PBT and PATAMI recorded at Rp944 billion and Rp663 billion, higher by 23.9% and 30.0% YoY respectively on the back of reduced loan provisions due to improved loan quality and supported by loan growth, lower cost of funds and well-maintained overheads. • Fee incom
Slide 4: 1H 2022 Executive Summary (2/2)
1H 2022 Executive Summary (2/2) 3 • Funding profile improved as reflected in improvement CASA ratio to 49.37%. Total deposits increased by 3.9% YoY supported by higher CASA growth by 22.3%. Meanwhile TD decreased by 9.3% YoY in line with the Bank’s strategy Liquidity and to reduce high cost of fundi
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 Awards, Events, and CSR Highlights 33
Slide 6: Income Statement - Consolidated
Income Statement - Consolidated Rp billion 1H 2022 1H 2021 YoY 2Q 2022 1Q 2022 QoQ Interest Income 4,967 5,522 -10.0% 2,470 2,497 -1.1% Interest Expense (1,490) (2,063) -27.8% (740) (750) -1.4% Net Interest Income 3,477 3,459 0.5% 1,731 1,747 -0.9% GM-related fees 54 174 -69.2% 3 51 -94.7% Non GM-re
Slide 7: Loans
Loans Overall loans grew YoY, supported by GB and CFS Retail which maintained its growth momentum, following improvements in the consumers' purchase power LDR & Total Loans Rp trillion Loans Portfolio Breakdown* Rp trillion Jun-22 Mar-22 Jun-21 YoY QoQ Global Banking 42.1 35.3 36.1 16.7% 19.4% CFS 6
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 Jun-22 Mar-22 Jun-21 YoY QoQ Current Account 31.99 27.22 23.78 34.6% 17.5% Saving Account 23.13 22.73 21.29 8.6% 1.7% CASA 55.12 49.95 45
Slide 10: Fee Income
Fee Income Rp billion -8.4% -12.2% -79.2% -52.4% 10.8% Breakdown of Other Fee Income Jun-22 Jun-21 YoY Retail administration 103 104 -1.2% Loan administration 87 65 33.1% Advisory & Arranger fees 37 31 21.7% Collection of receivables previously written-off 59 55 7.5% Credit card administra
Slide 11: Operating Expenses (Opex)
Operating Expenses (Opex) Opex effectively managed and relatively stable YoY Rp billion 0.4% 5.3% -3.8% Breakdown of G&A Jun-22 Jun-21 YoY General 700 791 -11.5% Rental 74 69 7.3% Depreciation and amortization 243 250 -2.6% Repairs and maintenance fixed assets 138 136 0.9% Others (include prom
Slide 12: Strong Capital Position
Strong Capital Position Capital Ratios Jun-21 Sep-21 Dec-21 Mar-22 Jun-22 YoY QoQ Tier I 24.95% 25.37% 25.70% 25.37% 24.75% -0.20% -0.62% Tier II 1.32% 1.25% 1.21% 1.17% 1.15% -0.17% -0.02% Total CAR 26.27% 26.62% 26.91% 26.54% 25.90% -0.37% -0.64% 12
Slide 13: Balance Sheet - Consolidated
Balance Sheet - Consolidated Rp billion Jun-22 Mar-22 Jun-21 YoY QoQ Loans 106,815 99,519 98,803 8.1% 7.3% Other Earning Assets 46,371 45,829 49,998 -7.3% 1.2% Other Assets 14,142 14,398 12,809 10.4% -1.8% Total Assets 167,328 159,746 161,609 3.5% 4.7% Deposits from Customer 111,657 105,984 107,432
Slide 14: Financial Ratios
Financial Ratios Jun-22 Mar-22 Jun-21 YoY Jun-22 Mar-22 Jun-21 YoY Consolidated Bank Only a b c (a-c) a b c (a-c) Profitability Profitability Return On Assets 1.15% 1.41% 0.91% 0.25% Return On Assets 0.77% 1.02% 0.59% 0.18% Return On Equity (Tier 1) 4.94% 5.93% 3.99% 0.95% 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 Awards, Events, and CSR Highlights 33
Slide 16: Shariah Banking Unit
Shariah Banking Unit Financing Total Asset Deposits Rp billion 13.2% Rp billion 17.6% Rp billion 5.3% +5.9% TD +43.7% CASA Total Shariah Banking Unit’s assets grew 13.2% to Rp41.1 trillion from Rp36.4 trillion, accounting for 26.2% of the Bank’s individual assets. Shariah Banking Unit’s CA
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 Awards, Events, and CSR Highlights 33
Slide 18: Key Highlight of Digital Initiatives 1H 22
Key Highlight of Digital Initiatives 1H 22 M2U transaction growth trend are maintained and more features have been launched M2U QR Pay M2E • 24% YoY growth in M2U • More than 100K retail • QR Pay transactions • Total transaction value in transactions volume with saving account have been volume condu
Slide 19: New Features Launched in 1H 22
New Features Launched in 1H 22 Customer 360 View Expense Tracker Goal Based Investment Monitor and manage all Monitor and manage all Plan for future spending customer financial expenses for better and needs with optimal portfolio (funding, financial and spending saving and investment lending, invest
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 Awards, Events, and CSR Highlights 33
Slide 21: Maybank Finance
Maybank Finance Revenue and Profit Before Tax Asset Quality Rp billion 2.1% 19.0% Financing Unit Financing (unit) Rp billion 4.1% 21
Slide 22: WOM Finance
WOM Finance Revenue and Profit Before Tax Asset Quality Rp billion 9.8% 76.6% Financing Unit Financing (‘000 unit) Rp billion 8.7% 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 Awards, Events, 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 Awards, Events, 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 Rp33.7 trillion as of Jun 2022 Contributing 34.9% 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 Awards, Events, and CSR Highlights 33
Slide 29: Profile
Profile Profile* Established : 15 May 1959 Total Assets : Rp167.3 trillion Total Equity : Rp28.5 trillion Market Capitalization : Rp20.6 trillion Rank #13 in terms of Assets Position in Indonesia** : Rank #13 in terms of Loans Rank #13 in terms of Deposits 354 (Maybank Indonesia) # of Branches : 549
Slide 30: Company Ratings & Shareholdings
Company Ratings & Shareholdings Company Ratings Shareholding Structure As of June 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 Holding
Slide 31: 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
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 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 Awards, Events, and CSR Highlights 33
Slide 34: Awards in 2Q 2022
Awards in 2Q 2022 Maybank Indonesia Ranked in 2022 ALB Asia Top 15 In-House Teams The Asian Legal Business (ALB) Asia Top In-House Teams 2022 ranking showcases the achievements of the finest in-house legal teams in Asia. In-house teams were selected based on notable work done in the past year; innov
Slide 35: Events in 2Q 2022
Events in 2Q 2022 Maybank Indonesia Announces My Happy & Lucky Bank Winners for Final Prize There were 57 Maybank Indonesia customers who were declared winners in the eight period of the My Happy & Lucky Bank program. The winners are entitled to various attractive prizes, ranging from e-vouchers, Vi
Slide 36: CSR Activities in 2Q 2022
CSR Activities in 2Q 2022 Maybank and Asri Foundation Support Reforestation in Tanagupa Maybank Indonesia through the social responsibility program Maybank Peduli Bumi inaugurated a collaboration with the Alam Sehat Lestari Foundation (Asri) as a partner of the Gunung Palung National Park (Tanagupa)
Slide 37: Thank You
Thank You Humanising Financial Services
Slide 38: 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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