Malayan Banking Bhd. · MYX:MAYBANK
Malayan Banking Bhd — Maybank Indonesia — FY2020 Earnings Presentation
32 slides from Malayan Banking Bhd's earnings presentation, Jun 4, 2021
Slide 1: Maybank Indonesia Financial Results FY 2020
Humanising Financial Services Maybank Indonesia Financial Results FY 2020 ended 31 December 2020 www.maybank.co.id
Slide 2: Table of Contents
Table of Contents Executive Summary 2 Results Overview 5 Shariah Banking 15 Subsidiaries 17 Update on Covid-19 20 Appendix Maybank Indonesia in Brief 22 Events, Awards, and CSR Highlights 27 Financial Results: FY 2020 ended 31 December 2020
Slide 3: Executive Summary of FY 2020 (1/2)
Executive Summary of FY 2020* (1/2) 1 • PBT and PATAMI booked at Rp1,819 billion and Rp1,266 billion, or down by 30.0% and 31.3% yoy respectively mainly due to reduced income arising from the reduction in loans and reduced business activities during this pandemic and higher provisions upon the adopt
Slide 4: Executive Summary of FY 2020 (2/2)
Executive Summary of FY 2020 (2/2) 3 • Funding profile improved as reflected in improvement CASA ratio to 39.81%, in which CASA increased by 13.0%, in line with the Bank’s strategy to reduce higher cost of funding through Liquidity and increased usage of its digital banking and efforts undertaken to
Slide 5: Table of Contents
Table of Contents Executive Summary 2 Results Overview 5 Shariah Banking 15 Subsidiaries 17 Update on Covid-19 20 Appendix Maybank Indonesia in Brief 22 Events, Awards, and CSR Highlights 27 Financial Results: FY 2020 ended 31 December 2020
Slide 6: Income Statement - Consolidated
Income Statement - Consolidated Rp billion FY 2020 FY 2019 YoY 4Q 2020 3Q 2020 QoQ Interest Income 12,827 15,480 -17.1% 2,923 3,016 -3.1% Interest Expense (5,567) (7,312) -23.9% (1,276) (1,339) -4.7% Net Interest Income 7,260 8,168 -11.1% 1,647 1,677 -1.8% Non Interest Income 2,379 2,587 -8.0% *) 65
Slide 7: Loans
Loans Decreased YoY due to Covid-19 pandemic and de-risking and re-profiling Business Banking portfolio, however GB continues to grow YoY supported by SOE and LLC segment. LDR & Total Loans Rp trillion Loans Portfolio Breakdown Rp trillion 107.64% 106.50% Dec-20 Sep-20 Dec-19 YoY QoQ 102.12% 91.42%
Slide 8: Asset Quality
Asset Quality NPL balance remained relatively flat. Deteriorated YoY mainly due to lower loan balances (denominator) impacted by Covid-19 pandemic. Asset quality gradually improved QoQ since 1H 2020. 6.27% 5.75% 5.04% 5.24% 4.00% Impaired Loans - Gross Impaired Loans (consolidated) 3.72% 3.60% Impai
Slide 9: Customer Deposits
Customer Deposits CASA ratio improved YoY. Continued to reduce cost of fund Customer Deposits by Business Segment 18% 23% Global Banking Dec-19 Dec-20 CFS 77% 82% Customer Deposits by Type 18% 21% Current Account Dec-19 19% Saving Account Dec-20 Time Deposit 60% 18% 63% Rp Trillion Dec-20 Sep-20 Dec
Slide 10: Fee Income
Fee Income On BAU basis, Fee income booked positive growth of 0.5% YoY Rp billion -8.0% YoY -15.0% YoY +126.5% YoY +58.7% YoY -26.4% YoY 2,587 2,368 2,379 1,832 1,613 1,348 Dec-19 Dec-20 Rp219 billion one-off non recurring fee 411 452 350 199 230 145 Total Fee Income Fees and commissions G
Slide 11: Operating Expenses (Opex)
Operating Expenses (Opex) Opex effectively managed and declined by 10.7% YoY Rp billion -10.7% YoY 1.3% YoY -17.0% YoY 6,397 5,713 3,826 3,176 Dec-19 2,571 2,536 Dec-20 Total Operating Personnel G&A Expenses (in Rp billion) Breakdown of G&A Dec-20 Dec-19 YoY General 1,722 2,172 -20.7% Rental 1
Slide 12: Strong Capital Position
Strong Capital Position 23.47% 24.31% 22.10% 21.38% 20.64% 125,234 127,172 119,582 113,585 111,661 26,770 26,244 26,423 26,658 27,147 Dec-19 Mar-20 Jun-20 Sep-20 Dec-20 Risk Weighted Assets (Rp Billion) Total Capital (Rp Billion) CAR Capital Ratios Dec-19 Mar-20 Jun-20 Sep-20 Dec-20 YoY QoQ Tier I 1
Slide 13: Balance Sheet - Consolidated
Balance Sheet - Consolidated Rp billion Dec-20 Sep-20 Dec-19 YoY QoQ Loans 105,271 109,431 122,579 -14.1% -3.8% Other Earning Assets 54,053 54,996 29,185 85.2% -1.7% Other Assets 13,900 12,904 17,319 -19.7% 7.7% Total Assets 173,224 177,331 169,083 2.4% -2.3% Deposits from Customer 115,003 116,582 1
Slide 14: Financial Ratios
Financial Ratios Dec-20 Sep-20 Dec-19 YoY Dec-20 Sep-20 Dec-19 YoY Consolidated Bank Only a b c (a-c) a b c (a-c) Profitability Profitability Return On Assets 1.04% 1.11% 1.45% -0.40% Return On Assets 0.82% 0.88% 1.09% -0.27% Return On Equity (Tier 1) 5.13% 6.00% 7.73% -2.60% Return On Equity (Tier
Slide 15: Table of Contents
Table of Contents Executive Summary 2 Results Overview 5 Shariah Banking 15 Subsidiaries 17 Update on Covid-19 20 Appendix Maybank Indonesia in Brief 22 Events, Awards, and CSR Highlights 27 Financial Results: FY 2020 ended 31 December 2020
Slide 16: Shariah Banking
Shariah Banking Shariah Financing Shariah Total Asset Shariah Deposits Rp Billion 8.1% Rp Billion 7.8% Rp Billion 9.1% 35,257 26,231 27,443 32,621 25,462 24,047 Dec-19 Dec-20 Dec-19 Dec-20 Dec-19 Dec-20 Shariah Financing increased by 9.1% to Rp26.2 trillion, contributing 24.9% to the Bank’s
Slide 17: Table of Contents
Table of Contents Executive Summary 2 Results Overview 5 Shariah Banking 15 Subsidiaries 17 Update on Covid-19 20 Appendix Maybank Indonesia in Brief 22 Events, Awards, and CSR Highlights 27 Financial Results: FY 2020 ended 31 December 2020
Slide 18: Maybank Finance
Maybank Finance Revenue and Profit Before Tax Asset Quality Rp Billion -2.0% 1,181 1,157 0.75% 0.52% -1.3% 0.27% 0.26% 0.31% 0.44% 476 470 0.24% 0.14% 0.15% 0.17% Dec-19 Dec-20 Dec-19 Mar-20 Jun-20 Sep-20 Dec-20 Revenue Profit Before Tax NPL Net NPL Gross Financing Unit Financing (unit) Rp Billi
Slide 19: WOM Finance
WOM Finance Revenue and Profit Before Tax Asset Quality Rp Billion -24.3% 2,644 5.61% 6.05% 2,001 2.12% 2.78% 2.00% -76.0% 2.59% 2.81% 1.20% 364 0.62% 0.68% 87 Dec-19 Dec-20 Dec-19 Mar-20 Jun-20 Sep-20 Decc-20 Revenue Profit Before Tax NPL Net NPL Gross Financing Unit Financing (‘000 unit) 355 R
Slide 20: Table of Contents
Table of Contents Executive Summary 2 Results Overview 5 Shariah Banking 15 Subsidiaries 17 Update on Covid-19 20 Appendix Maybank Indonesia in Brief 22 Events, Awards, and CSR Highlights 27 Financial Results: FY 2020 ended 31 December 2020
Slide 21: Update on the progress of Loan Restructuring due to COVID Pandemic
Update on the progress of Loan Restructuring due to COVID 19 Pandemic 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 Re
Slide 22: Table of Contents
Table of Contents Executive Summary 2 Results Overview 5 Shariah Banking 15 Subsidiaries 17 Update on Covid-19 20 Appendix Maybank Indonesia in Brief 22 Events, Awards, and CSR Highlights 27 Financial Results: FY 2020 ended 31 December 2020
Slide 23: Profile
Profile Profile* Established : 15 May 1959 Total Assets : Rp173.2 trillion Total Equity : Rp27.2 trillion Market Capitalisation : Rp24.2 trillion Rank #11 in terms of Assets Position in Indonesia** : Rank #11 in terms of Loans Rank #11 in terms of Deposits 361 (Maybank Indonesia) # of Branches : 570
Slide 24: Company Ratings and Shareholdings
Company Ratings and Shareholdings Company Rating Shareholders Public Long-Term Foreign-Currency IDR BBB; Stable Outlook 78.98% 21.02% Short-Term Foreign-Currency IDR F2 Viability Rating bb Support Rating 2 National Long-Term Rating AAA(idn); Stable Outlook National Short-Term Rating F1+(idn) Subordi
Slide 25: 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 25
Slide 26: Board of Directors
Board of Directors Thilagavathy Nadason Irvandi Ferizal Effendi Director Director Director Taswin Zakaria President Director Widya Permana Muhamadian Steffano Ridwan Ricky Antariksa Director Director Director Director Page 26
Slide 27: Table of Contents
Table of Contents Executive Summary 2 Results Overview 5 Shariah Banking 15 Subsidiaries 17 Update on Covid-19 20 Appendix Maybank Indonesia in Brief 22 Events, Awards, and CSR Highlights 27 Financial Results: FY 2020 ended 31 December 2020
Slide 28: Events & Awards in 4Q 2020
Events & Awards in 4Q 2020 Maybank Sharia Business Unit Distributes USD160 million in Financing to Biofarma As a form of support for the Government in overcoming the Covid-19 outbreak, Maybank Indonesia through its Sharia Business Unit has distributed the omnibus line facility financing of USD 160 m
Slide 29: Events & Awards in 4Q 2020
Events & Awards in 4Q 2020 Maybank Indonesia Wins 2 Digital Marketing Awards and 2020 Human Capital Award Maybank Indonesia won two awards at the 2020 Digital Marketing and Human Capital Awards which was held by Business News Indonesia in collaboration with Indonesia Marketing Association (IMA), For
Slide 30: CSR Activities in 4Q 2020
CSR Activities in 4Q 2020 Maybank Women Eco-Weavers Batch 2 Maybank Indonesia and Maybank Foundation continue its women empowerment program which focus on women weavers skill development and economy improvement through Maybank Women Eco-Weavers Batch 2. This program has been implemented since Octobe
Slide 31: 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 Tete — — =< is Thank You Maybank
Slide 32: 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