Pt Bank Maybank Indonesia Tbk Class A · IDX:BNII
Pt Bank Maybank Indonesia Tbk Class A — Q1 2025 Earnings Presentation
39 slides from Pt Bank Maybank Indonesia Tbk Class A's earnings presentation, 2025
Slide 1: Maybank Indonesia Financial Results 1Q 2025
Disclaimer: The contents of this document/information remain the intellectual property of Maybank and no part of this is to be reproduced or transmitted in any form or by any means, including electronically, photocopying, recording or in any information storage and retrieval system without the permi
Slide 2: Table of Contents
Table of Contents Maybank Macro- Executive Results Shariah Indonesia in economics Brief Summary Overview Business Unit 2 4 2 8 16 13 22 18 Awards and Digital Banking Subsidiaries Sustainability Events Highlights 24 20 28 20 25 31 36 29
Slide 3: Macroeconomics and Industry Updates
GDP Growth Current Economic Macro- Account Growth -0.5% to -1.3% 5.17% 4.7% to 5.5% economics 5.04% 5.04% 5.11% 5.05% 5.02% of GDP 4.94% 4.95% 4.87% and Inflation Loan Growth Industry 2.5% ± 1% 11% to 13% Updates 1Q 2023 2Q 2023 3Q 2023 4Q 2023 1Q 2024 2Q 2024 3Q 2024 4Q 2024 1Q 2025 Source: Statist
Slide 4: Table of Contents
Table of Contents Maybank Macro- Executive Results Shariah Indonesia in economics Brief Summary Overview Business Unit 2 2 4 8 16 13 22 18 Awards and Digital Banking Subsidiaries Sustainability Events Highlights 24 20 28 20 25 31 36 29
Slide 5: Our Presence
Our Presence 1988- 2014- 1959 2008 2019 2023 2024 1989 2015 Established in • Obtained license for Acquired by Malayan • Launched the Shariah Launched the new Provided Indonesia’s first TIME World’s Best 15 May 1959 foreign exchange Banking Berhad First Strategy M2U mobile banking ever Shariah Wealth
Slide 6: Board of Commissioners
Board of Commissioners Dato’ Khairussaleh Ramli Edwin Gerungan Datuk Lim Hong Tat Dato’ Zulkiflee Abbas Abdul Hamid President Commissioner Commissioner Commissioner Commissioner Hendar Putut Eko Bayuseno Marina R. Tusin Daniel James Rompas Independent Commissioner Independent Commissioner Independen
Slide 7: Board of Directors
Board of Directors Steffano Ridwan Irvandi Ferizal Effendi Widya Permana Ricky Antariksa President Director Director Director Director Director Bambang Andri Irawan Yessika Effendi Romy Hardiansyah Shaiful Adhli Yazid Bianto Surodjo Director Director Director Director Director 7
Slide 8: Table of Contents
Table of Contents Maybank Macro- Executive Results Shariah Indonesia in economics Brief Summary Overview Business Unit 2 4 2 8 16 13 22 18 Awards and Digital Banking Subsidiaries Sustainability Events Highlights 24 20 28 20 25 31 36 29
Slide 9: Profit before tax recorded at Rp506 billion in 1Q 2025
Summary Highlights Profit Before Tax & Minority Interest Fee Income Rp billion Rp billion 290.9% 54.3% 1Q 2025 vs 1Q 2024 571 506 370 Profit before tax (265) recorded at Rp506 Mar-24 Mar-25 Mar-24 Mar-25 billion in 1Q 2025 Net Interest Income (NII) Net Interest Margin (NIM) A year-on-year profit
Slide 10: Loan & Deposit Growth
Loan Deposit Rp billion 0.1% Rp billion 4.9% 122,281 122,217 117,219 111,504 Loan & Deposit Growth • Total Loans booked at Rp122 trillion, largely Mar-24 Mar-25 Mar-24 Mar-25 unchanged YoY. GIL CASA Ratio 0.43% 3.40% • Total customer 3.70% 4.13% deposits eased 4.9% 49.65% 53.05% to Rp111.5 t
Slide 11: Shariah Business Unit
Shariah Business Unit Asset Financing Rp trillion Rp trillion 0.7% 8.4% 41.2 41.5 31.9 29.2 • Aligned with the Bank’s super growth strategy, Shariah CFS retail and non- retail financing grew 15.8% to Rp21.0 trillion. However, the UUS total financing dropped 8.4% to driven by decrease in Shariah
Slide 12: Subsidiaries
Subsidiaries Maybank Finance PBT WOM Finance PBT Rp billion Rp billion • Maybank Finance’s four-wheeled financing 5.4% 6.9% 135 142 86 80 grew by 2.8% to Rp7.6 trillion amidst slowdown in the national sales of automotive market. Mar-24 Mar-25 Mar-24 Mar-25 Maybank Finance WOM Finance • Despite a
Slide 13: Table of Contents
Table of Contents Maybank Macro- Executive Results Shariah Indonesia in economics Brief Summary Overview Business Unit 2 4 2 8 13 16 22 18 Awards and Digital Banking Subsidiaries Sustainability Events Highlights 24 20 28 20 25 31 36 29
Slide 14: Income Statement - Consolidated
Income Statement - Consolidated Rp billion 1Q 2025 1Q 2024 YoY 4Q 2024 QoQ Interest Income 3,345 3,140 6.5% 3,407 -1.8% Interest Expense (1,567) (1,387) 13.0% (1,631) -3.9% Net Interest Income 1,778 1,753 1.4% 1,776 0.1% GM-related fees 107 (51) 309.5% (44) 343.0% Non GM-related fees 464 421 10.2% 7
Slide 15: CFS loans grew 10.4% with positive growth across all segments
CFS loans grew 10.4% with positive growth across all segments Loans by Currency Loans Portfolio Breakdown 15% 16% Rp trillion Mar-25 Dec-24 Mar-24 YoY QoQ Composition Global Banking 38.4 44.7 46.4 -17.2% -14.0% 31.5% Mar-24 Mar-25 CFS 83.8 82.9 75.9 10.4% 1.1% 68.5% CFS Non-Retail 37.2 36.9 31.9 16.
Slide 16: Maintain sound asset quality year-on-year
Maintain sound asset quality year-on-year through continuous loan portfolio review and risk recalibration Special Mention Loans Special Mention Loans by Segment 6.33% 6.33% 5.39% 5.70% 4.97% 3.81% 3.88% GB 3.16% 3.34% 3.52% 2.87% 3.13% 3.03% 2.65% 2.58% CFS Retail 1.41% 1.24% 0.97% 0.67% 0.78% CFS N
Slide 17: Customer deposits eased 4.9% YoY
Customer deposits eased 4.9% YoY largely from funding costs management moves Customer Deposits by Business Segment Customer Deposits Breakdown Mar-25 Dec-24 Mar-24 YoY QoQ Composition 21% 27% Current Account 36.6 39.6 34.5 6.3% -7.5% 32.9% Global Banking Mar-24 Mar-25 Saving Account 22.5 23.3 23.7 -
Slide 18: Maintaining Stable Liquidity Throughout
Maintaining Stable Liquidity Throughout, With Notable Improvement in CASA Acquisition Liquidity Indicators 51.32% 52.74% 52.86% 53.05% 49.65% CASA Ratio 99.93% 100.35% 96.43% 95.48% 96.32% LDR 90.77% 89.51% 89.84% 91.98% 88.67% LDR (Bank only) LDR (Consolidated) 213.47% 213.47% LCR 169.93% 185.42% 1
Slide 19: Strong and sufficient capital position to support business growth
Strong and sufficient capital position to support business growth 25.65% 23.48% 24.78% 25.55% 25.66% CAR 24.50% 23.62% 24.39% 24.51% 22.35% Tier I 1.15% 1.13% 1.16% 1.16% 1.15% Tier II 123,870 121,003 118,398 119,416 115,603 Risk Weighted Asset (Rp billion) 29,651 29,083 29,981 30,260 30,643 Total C
Slide 20: Balance Sheet - Consolidated
Balance Sheet - Consolidated Rp billion Mar-25 Dec-24 Mar-24 YoY QoQ Loans 122,217 127,581 122,281 -0.1% -4.2% Other Earning Assets 46,771 48,308 37,901 23.4% -3.2% Other Assets 20,822 21,291 17,471 19.2% -2.2% Total Assets 189,810 197,180 177,653 6.8% -3.7% Deposits from Customer 111,504 119,004 11
Slide 21: Financial Ratios
Financial Ratios Consolidated Bank Only Mar-25 Dec-24 Mar-24 YoY QoQ Mar-25 Dec-24 Mar-24 YoY QoQ Profitability Return On Assets 1.07% 0.85% 0.60% 0.47% 0.22% 1.13% 0.54% 0.63% 0.50% 0.59% Return On Equity (Tier 1) 5.14% 3.93% 3.22% 1.92% 1.21% 7.29% 3.05% 2.56% 4.73% 4.24% Net Interest Margin 4.33%
Slide 22: Table of Contents
Table of Contents Maybank Macro- Executive Results Shariah Indonesia in economics Brief Summary Overview Business Unit 2 4 2 8 16 13 22 18 Awards and Digital Banking Subsidiaries Sustainability Events Highlights 24 20 28 20 25 31 36 29
Slide 23: Shariah Business Unit CASA recorded solid growth
Shariah Business Unit’s (UUS) Current Account Savings Account recorded solid growth of 22.5% YoY and 4.2% YoY respectively Financing Total Asset Deposits Rp billion Rp billion Rp billion 57.63% 48.91% 8.4% 0.7% 41,521 4.9% 41,215 31,878 34,724 29,205 33,022 TD CASA 17,740 13,991 CASA Ratio 16,
Slide 24: Table of Contents
Table of Contents Maybank Macro- Executive Results Shariah Indonesia in economics Brief Summary Overview Business Unit 2 4 2 8 16 13 22 18 Awards and Digital Banking Subsidiaries Sustainability Events Highlights 24 20 28 20 25 31 36 29
Slide 25: M2U's Financial Transaction volume keeps growing
M2U’s Financial Transaction volume keeps growing 1. M2U Txn Volume (IDR Tn) 15% YoY growth in transaction volume with more than IDR35.4 trillion transaction as of Q1 2025. 27% YoY M2U financial transaction reached more than 7 million as of Q1 2025. More than 67K deposit accounts have been opened dig
Slide 26: Managing finance easily with the M2U ID App's 360 Digital Wealth Feature
M2U ID offers a comprehensive investment solution through a fully STP online system, enabling customers to seamlessly open and access a wide Managing finance easily with the M2U ID App’s range of investment products, including Fixed 360 Digital Wealth Feature Deposits, Mutual Funds, Bonds & Gold whi
Slide 27: Secure and smart gold investment, all in the palm of hand
Secure and smart gold investment, all in the palm of hand M2U ID App provides customers with a convenient and secure platform to perform gold transactions at any time and from any location, thereby simplifying the process of gold saving and enhancing overall accessibility to investment opportunities
Slide 28: Table of Contents
Table of Contents Maybank Macro- Executive Results Shariah Indonesia in economics Brief Summary Overview Business Unit 2 4 2 8 16 13 22 18 Awards and Digital Banking Subsidiaries Sustainability Events Highlights 24 20 28 20 25 31 36 29
Slide 29: Maybank Finance Performance
Maybank Finance Performance Balance Sheet Unit Financing Rp billion Mar-25 Mar-24 YoY Dec-24 QoQ (in unit) Total Asset 8,025 7,721 3.9% 8,239 -2.6% 44,409 42,633 348 39,582 Total Unit Financing 7,645 7,436 2.8% 7,944 -3.8% 537 1,002 YoY: 21.4% % to Total MBI Loans (%) 6.26% 6.08% 0.17% 6.23% 0.03% T
Slide 30: WOM Finance Performance
WOM Finance Performance Balance Sheet Unit Financing Rp billion Mar-25 Mar-24 YoY Dec-24 QoQ (in ‘000 unit) Total Asset 6,909 6,818 1.3% 6,946 -0.5% 212 Total Unit 201 YoY: -7.3% Financing 6,240 6,225 0.2% 6,205 0.6% 1 184 1 % to Total MBI Loans (%) 5.11% 5.09% 0.02% 4.86% 0.24% Hajj 67 1 62 Multise
Slide 31: Table of Contents
Table of Contents Maybank Macro- Executive Results Shariah Indonesia in economics Brief Summary Overview Business Unit 2 4 2 8 16 13 22 18 Awards and Digital Banking Subsidiaries Sustainability Events Highlights 24 20 28 20 25 31 36 29
Slide 32: Maybank's Commitments on Sustainability
Maybank’s Commitments on Sustainability Maybank Group has formulated a long-term action plan to 01 02 reinforce its commitment to sustainability. By focusing on the three main pillars of ESG, Maybank Group strives to create sustainable value for all stakeholders. In line with this vision, Maybank In
Slide 33: Sustainable Finance Portfolio
Sustainable Finance Portfolio Support for Sustainable Development Goals Sustainable Finance Portfolio Management of Energy Efficiency reached Rp22.15 trillion as of Mar25 Natural Resources and Sustainable Land Use Contributing 20.4% to the Bank’s loan portfolio Rp1.50 trillion Rp1.95 trillion Produc
Slide 34: Enabling Our Communities Sustainability-related Events in Q1 2025
Enabling Our Communities Support for Sustainable Development Goals Sustainability-related Events in Q1 2025 National Literacy Movement HERPower Program: Literacy and Syariah Thought Leaders Forum 2025: “Negeri di Awan” : Taman Baca Maybank Entrepreneurship Training for Women “Strengthening the Shari
Slide 35: Enabling Our Communities Sustainability-related Events in Q1 2025
Enabling Our Communities Support for Sustainable Development Goals Sustainability-related Events in Q1 2025 ESG Champion Capacity Development Plan - The EcoCampus Webinar with Binus University Maybank Halal Facilitation Programme Kick-off – Financing Change: A New Era of Sustainability Finance As pa
Slide 36: Table of Contents
Table of Contents Maybank Macro- Executive Results Shariah Indonesia in economics Brief Summary Overview Business Unit 2 4 2 8 16 13 22 18 Awards and Digital Banking Subsidiaries Sustainability Events Highlights 24 20 28 20 25 31 36 29
Slide 37: Innovations and Efforts Translate into Notable Achievements
Innovations and Efforts as Indonesia’s Leading Financial Institution Translates into Notable Achievements Some of Maybank Indonesia’s Notable Achievements in 1Q 2025 Sustainable Finance Awards 2025 Most Innovative Islamic Bank The Islamic Finance News Award 2024 This award recognises the Bank’s comm
Slide 38: Event Highlights in 1Q 2025
Event Highlights in 1Q 2025 January January March ● 9 January ● 13 January ● 4 March Maybank Indonesia held Halal Certification Maybank Indonesia held the Maybank Shariah Maybank Indonesia and Allianz Life launched a Technical Guidance with The Indonesian Ulema Thought Leaders Forum 2025 to encourag
Slide 39: Htummantsin
Htummantsin Financial Services Maybank fF) Maybank x) @MaybankiD Maybankid
PT Bank Maybank Indonesia — Q1 2025 Earnings Presentation on 6ix