PT Bank Maybank Indonesia Tbk Class A · IDX:BNII
PT Bank Maybank Indonesia Tbk Class A — FY2015 Earnings Presentation
57 slides from PT Bank Maybank Indonesia Tbk Class A's earnings presentation, Feb 23, 2016
Slide 1: Maybank Indonesia Financial Results Full Year 2015
Maybank Indonesia Financial Results Full Year 2015 ended 31 December 2015 Jakarta, 23 February 2015
Slide 2: Table of Contents
Table of Contents Maybank Indonesia in Brief Summary of FY2015 Results Financial Performance Prospect & Outlook Strategy &Target Awards, Corporate Social Responsibility (CSR) & Event Highlights Page 2
Slide 3: Maybank Indonesia in Brief
Maybank Indonesia in Brief
Slide 4: A Year of Transformation and Integration for Maybank Indonesia
A Year of Transformation and Integration for Maybank Indonesia • Resolution of Extraordinary General Meeting of Shareholders of PT Bank Internasional Indonesia Tbk dated August 24, 2015 • Approval of Ministry of Law and Human Rights of Republic Indonesia dated August 26, 2015 • Decree of Commissione
Slide 5: Becoming part of Maybank Group
) Maybank Asign of change to become bigger, stronger, and better in providing financial services across ASEAN. ‘We are proudly announcing our identity as part of Maybank Group. ; Asa leading bank in South East Asia, Maybank Group is a truly ASEAN bank that owns an asset of USD 160 billion and is sup
Slide 6: The Grand Launching of Maybank Indonesia & Opening the IDX
The Grand Launching of Maybank Indonesia & Opening the IDX Trading as Maybank Indonesia Page 6
Slide 7: Maybank Group scale and mission
B i = r 46000 banking expertise ss in 2400 branch offices ready to serve your banking needs B ette r Solid presence in all ASEAN countries and 5 World Financial Centers ensuring better connectivity E a tar a . And there are more numbers and facts that makes Us one-of the biggest bank in South East A
Slide 8: Profile
Profile Profile Established : 15 May 1959 Ticker : BNII Total Assets : Rp157.6 Trillion Total Equity : Rp15.7 Trillion Market Capitalisation : Rp11.6 Trillion Position in Indonesia : Rank #10 in terms of Assets (as of December 2015) Rank #10 in terms of Loans Rank # 9 in terms of Deposits 456* (Mayb
Slide 9: Company Rating and Shareholding
Company Rating and Shareholding Company Rating Shareholders National Long-Term Rating AAA(idn), Outlook Stable PUBLIC 78.98% National Short-Term Rating F1+(idn) 21.02% Long Term Issuer Default Rating BBB, Outlook Stable Short Term Issuer Default Rating F3 Viability Rating bb Support Rating 2 Senior
Slide 10: 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 11: Board of Directors
Board of Directors Jenny Wiriyanto Eri Budiono Henky Sulistyo Director Director Director Taswin Zakaria President Director Ghazali M. Rasad Thilagavathy Nadason Dhien Tjahajani Irvandi Ferizal Director Director Director Director Notes: Lani Darmawan, former Retail Director of Maybank Indonesia, has
Slide 12: Building A Strong Network Footprint and Presence
Building A Strong Network Footprint and Presence to Serve the Communities across Indonesia 417 Conventional 1 Micro Branch & 12 Regional Offices 9 Shariah Branches 2 Overseas Branches Branches 58 Micro Banking Services 26 Premier Wealth Center 1,605 ATM & CDM ; Access > 20.000 ATM 17 Mobil Kas Kelil
Slide 13: 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 solution to mid corporates, solution to the retail customers and State
Slide 14: Summary of FY2015 Results
Summary of FY2015 Results (All numbers are consolidated and according to Bank Indonesia classification unless otherwise stated)
Slide 15: Summary of FY2015 Results
Summary of FY2015 Results Profit and returns improved significantly supported by strengthening our Balance Sheet and Liquidity Positions • Strong improvement was achieved on the back of better Net Interest Margin (NIM), higher fee PATAMI based income, solid growth on liquidity, and the disciplined o
Slide 16: Financial Performance
Financial Performance
Slide 17: Income Statement – Consolidated
Income Statement – Consolidated The strong performance for FY2015 was achieved on the back of better Net Interest Margin (NIM), higher fee based income, solid growth on liquidity, and outstanding achievement in Shariah Banking. Rp Billion Dec-15 Dec-14 YoY a b (a/b)-1 Interest Income 13,905 13,400 3
Slide 18: Balance Sheet – Consolidated
Balance Sheet – Consolidated Strengthening and Reshaping our Balance Sheet Focus with total Assets exceeding Rp157 trillion Rp Billion Dec-15 Dec-14 YoY a b (a/b)-1 Loans 112,529 106,302 5.9% Other Earning Assets 25,920 18,064 43.5% Other Assets 19,171 19,106 0.3% Total Assets 157,619 143,472 9.9% D
Slide 19: Financial Ratios
Financial Ratios Key Operating Ratio Dec-15 Dec-14 Key Operating Ratio Dec-15 Dec-14 Consolidated a b (a-b) Bank Only a b (a-b) Profitability Profitability Return On Assets 1.01% 0.68% 0.33% Return On Assets 0.84% 0.42% 0.42% Return On Equities (Tier 1) 8.47% 6.10% 2.37% Return On Equities (Tier 1)
Slide 20: Loans
Loans Continued Loan Growth in Key Segments (Business Banking & Retail Banking) while Global Banking continued its efforts in re-profiling corporate portfolio and realigning business LFR & Total Loans Rp Trillion Loan Portfolio Breakdown in Retail Banking Rp Trillion Δ YoY : 9.0% Δ QoQ : 1.1% 23.0 2
Slide 21: Asset Quality
Asset Quality The Bank‟s asset quality has improved QoQ with Gross NPL and Net NPL decreased to 3.67% and 2.42% respectively Asset Quality – Maybank Indonesia (consolidated) Asset Quality – Maybank Finance 4.62% 4.65% 3.83% 3.59% 3.48% 4.21% 0.37% 3.34% 0.33% 0.35% 3.12% 0.24% 2.80% 3.67% 0.18% 3.29
Slide 22: Customer Deposits
Customer Deposits Further Strengthening in Liquidity Positions with customer deposits increased to Rp115 trillion Deposits from Customers by Business Segment Deposits from Customers by Type Rp Trillion Dec-15 Sep-15 Dec-14 YoY QoQ Rp Trillion Dec-15 Sep-15 Dec-14 YoY QoQ Global Banking 26.7 26.5 23.
Slide 23: Fee Income
Fee Income Rp Billion 2,728 1,938 Page 23
Slide 24: Capital
Capital • Capital Adequacy Ratio (CAR) – consolidated as per 31 Dec 2015 was 15.17% Page 24
Slide 25: Business Banking FY2015 Results
Business Banking FY2015 Results
Slide 26: Business Banking
Business Banking Focus on Fee Transaction Led to 81% Growth in Fee Income Loans Fee Based Income Rp Trillion Rp Billion 12% 45.9 81% 463 40.8 256 Dec-14 Dec-15 Dec-14 Dec-15 Business Banking loans grew by 12% to Rp45.9 trillion, Business Banking generated fee based income of whilst maintaining h
Slide 27: Business Banking Going Forward Strategy
Business Banking Going Forward Strategy Fee based income engine: maximize FX potential for SME & Commercial customers Loan focus on working capital and short term investment which are necessity “Go beyond horizontal & Focus on Digital channel to activate and vertical value chain approach increase cu
Slide 28: Retail Banking FY2015 Results
Retail Banking FY2015 Results
Slide 29: Retail Banking
Retail Banking Loan Grew by 9% YoY (mainly from Strong Growth in Mortgage and Auto Loan – 4W) and Asset Quality Maintained at Healthy Level Retail Loan Rp Trillion Mortgage Rp Trillion 13% 9% 45.2 18.1 16.1 41.5 Dec-14 Dec-15 Dec-14 Dec-15 Auto Loan Rp Trillion Asset Quality (Impaired Ratio) In perc
Slide 30: Building Momentum in Savings
Building Momentum in Savings Savings Full range of Savings products – By Segmentation Rp Trillion -5% 9% 25,600 24,689 23,455 Dec-13 Dec-14 Dec-15 Resources & Infrastructure Product / Coverage Services Branch Telesales Mobile Branch PRO Well Established customer, Businessmen/women Frontliners Telema
Slide 31: Continuous Enhancement on E-Banking Features
Continuous Enhancement on E-Banking Features Have Increased Both Users and Number of Transactions Consistently Maybank2u Internet Banking 35% 19% Mobile Banking 3% 11% In 2015, Maybank launched Maybank2u App, an internet-based mobile banking platform to enrich its mobile banking offering and simplif
Slide 32: Global Banking FY2015 Results
Global Banking FY2015 Results
Slide 33: Global Banking
Global Banking Loans (Rp Trillion) Corporate Banking •Investment Loan FCY •Working Capital LCY -10.7% 24.0 21.5 Transaction Banking Products •Letter of Credit 13.9 & •Bank Guarantee 12.7 Services •CoOL Banking/CoOL Pay/M2E •Security Services 10.1 8.7 Global Market Dec 14 Dec 15 •Foreign Exchange
Slide 34: Transaction Banking
Transaction Banking Corporate Online (CoOl) Trade Asset Banking Customer Rp Billion Electronic channels, such as Corporate Online (CoOl) Banking, -17% play significant role in growing 62% 10,870 2,309 transaction volumes of Maybank. 1,912 Positive market response in 2015 6,718 reflected in the sig
Slide 35: Global Markets
Global Markets Total Income Sales Rp Billion Rp Billion Despite the economic difficulty in 2015 especially for the banking 1.5% 401 industry, Global Markets (GM) has 17% 180 managed to maintain some level of 154 consistency in its performance by 395 recording a total revenue of Rp401 billion. Ma
Slide 36: Shariah Banking FY2015 Results
Shariah Banking FY2015 Results
Slide 37: Shariah Banking
Shariah Banking Shariah assets grew 123% (YoY) from Rp7.2 trillion to Rp16 trillion, contributed 10% to bank‟s total asset and contributed 19% to Bank‟s PBT Shariah First strategy deliver promising results until FY2015 Financing increased by 53% (YoY) to Rp8.7 trillion Customer Deposits increase
Slide 38: Subsidiaries FY2015 Results
Subsidiaries FY2015 Results
Slide 39: Maybank Finance
Maybank Finance Higher revenue (YoY) by 7.4% and Consumer Financing continue to growth 18.5% (YoY) Revenue and Profit Before Tax Consumer Financing IDR billion IDR billion 4,619 810 754 353 332 3,897 Dec-14 Dec-15 Dec-14 Dec-15 Revenue Profit Before Tax Asset Quality Unit Financing (unit) 49,168 50,
Slide 40: WOM Finance
WOM Finance WOM Finance revenue increased 11.3% with continued focus on the implementation of prudent risk management practice to ensure maintenance sound asset quality Revenue and Profit Before Tax Consumer Financing IDR billion IDR billion 4,400 1,735 1,560 3,729 51 19 Dec-14 Dec-15 Dec-14 Dec-15
Slide 41: Prospect & Outlook
Prospect & Outlook
Slide 42: Market Outlook for 2016
Market Outlook for 2016 Indonesia Key Indicator Outlook • Government infrastructure spending is the • GDP (f) : 5.2% (2015: 4.79%) main source for Indonesia‟s economic • System Loan Growth (f): 12.8% growth in 2016 • System Deposit Growth (f):11.5% • Funding to increase, following domestic • Referen
Slide 43: Outlook and Guidance for 2016
Outlook and Guidance for 2016 Outlook for FY2016 • Indonesia's economic growth is expected to be supported by the strong pace of investment supported by a series of government policies • Main source of Indonesia's economic growth came from government spending particularly strong acceleration of proj
Slide 44: Strategy and Target
Strategy and Target
Slide 45: Building Competitive Advantage
Building Competitive Advantage Through four pillars of Maybank Indonesia Global Banking Business Banking Retail Banking Shariah Banking MKE MSI MGAM WOMF MIF Community Distribution Compliance Human Capital Operations & IT Risk Finance MKE = Maybank Kim Eng Indonesia MGAM = Maybank GMT Asset Manageme
Slide 46: Strategic Direction
Strategic Direction FY2016 STRATEGIC PRIORITIES Deepening Indonesia Regional Transformation 1 (IRT) Implementation to boost regional penetration & productivity improvement STRATEGIC Loan growth with Capital Efficient Strategy while 2 IMPERATIVE improving Assets Quality Regional Transformation 3 Stre
Slide 47: FY2016 Strategic Priorities
FY2016 Strategic Priorities “To be a leading financial services provider in Indonesia” Strengthening our synergy with other Maybank entities in Indonesia will be one of our key differentiators for 2016. Page 47
Slide 48: Awards, Corporate Social Responsibility (CSR) & Event Highlights
Awards, Corporate Social Responsibility (CSR) & Event Highlights
Slide 49: 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 49
Slide 50: Our Awards in 2015
Our Awards in 2015 Infobank Sharia Finance Award „Excellent‟ for the Unit Usaha Syariah with asset more than Rp5 trillion category,16 October 2015 9th Annual Alpha Southeast Asia Awards Anugerah Perbankan Indonesia Award Maybank Indonesia was awarded as „Best SME‟ in 9th Annual Alpha 4th Rank for Co
Slide 51: Our Awards in 2015
Our Awards in 2015 Excellent Service Experience (ESE) Service Quality Award 2015 – Award 2015 – 3rd rank Excellent Service Quality Award for “Regular Service Experience Award 2015 for Banking” and “Regular Credit Card” regular Domestic Bank by Carre categories by Carre Center for Center for Customer
Slide 52: Pillars of Corporate Responsibility Programs
Pillars of Corporate Responsibility Programs Focus Area of Maybank Indonesia CSR Program, in line with the Group Provide opportunity for better education • Focus on providing scholarships to young talents Preserve environment for from underprivileged families Better future • Support banking educatio
Slide 53: CSR Highlights
CSR Highlights Blood Drive at Kudus Branch Conservation Program Free Treatment for Sukorejo’s Fisherman Empowerment in Tasikmalaya residents Community in Indramayu This activity shows true action of planted more than 1,000 In collaboration with Dompet Peduli Umat- CSR program targeting to empower th
Slide 54: BII Maybank Bali Marathon (BMBM) 2015
BII Maybank Bali Marathon (BMBM) 2015 MBM 2015 Recognized as the Best Marathon Event • MBM 2015 held in Gianyar distric, Bali which followed by more than 5,000 participant from 37 different citizenship and registered in many race categories i.e. 42 km, 21 km, 10 km and children‟s sprint. • MBM also
Slide 55: Event Highlights - Q4 2015
Event Highlights - Q4 2015 1 2 3 4 5 6 1. Maybank Indonesia Teams Up with Kal Star Aviation 4. EGMS and Public Expose 2015 Maybank Indonesia is cooperating with Kal Star Aviation in providing cash EGMS approved the appointment of Mr. Irvandi Ferizal as the new Human management service to support tra
Slide 56: 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 Thank You Maybank
Slide 57: Investor Relations Contact
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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