PT Bank Maybank Indonesia Tbk Class A · IDX:BNII
PT Bank Maybank Indonesia Tbk Class A — 9M 2021 Earnings Presentation
37 slides from PT Bank Maybank Indonesia Tbk Class A's earnings presentation, Sep 30, 2021
Slide 1: Maybank Indonesia Financial Results 9M 2021
Maybank Indonesia Financial Results 9M 2021 ended 30 September 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: 9M 2021 Executive Summary (1/2)
9M 2021 Executive Summary* (1/2) 1 • PBT recorded at Rp1,485 billion, higher by 2.1% yoy mainly due to lower provision expenses and efficiencies in interest expenses & overhead costs. Meanwhile PATAMI booked at Rp1,062 billion or lower by 3.3 % yoy. • PPOP decreased by 12.5% yoy attributed by lower
Slide 4: 9M 2021 Executive Summary (2/2)
9M 2021 Executive Summary (2/2) 3 • Funding profile improved as reflected in improvement of CASA ratio to 44.70%. Total deposits down by 12.6% mainly due to 19.9% reduction in TD, in line with the Bank’s strategy to reduce high cost funding. Meanwhile CASA down by Liquidity and 1.5% yoy, however it
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 9M 2021 9M 2020 YoY 3Q 2021 2Q 2021 QoQ Interest Income 8,187 9,903 -17.3% 2,665 2,656 0.3% Interest Expense (2,837) (4,290) -33.9% (774) (944) -18.0% Net Interest Income 5,349 5,613 -4.7% 1,890 1,711 10.5% Non Interest Income 1,474 1,730 -14.8% 522 498 4.8
Slide 7: Loans
Loans The overall decline in loans growth is still impacted by the pandemic, although there has been growth in most of the segments QoQ LDR & Total Loans Rp trillion Loans Portfolio Breakdown* Rp trillion Sep-21 Jun-21 Sep-20 YoY QoQ Global Banking 33.6 33.0 35.7 -6.0% 1.6% CFS 65.2 65.8 73.7 -11.5%
Slide 8: Asset Quality
Asset Quality The deterioration in impaired loans is due to lower loan balance (denominator) despite impaired balance 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 Ment
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 Sep-21 Jun-21 Sep-20 YoY QoQ Current Account 24.2 23.8 24.9 -2.7% 1.9% Saving Account 21.3 21.3 21.3 -0.1% 0.1% CASA 45.
Slide 10: Fee Income
Fee Income Rp billion -14.8% YoY 10.4% YoY -56.0% YoY -50.6% YoY -0.2% YoY Breakdown of Other Fee Income Sep-21 Sep-20 YoY Retail administration 156 161 -3.1% Loan administration 100 110 -9.4% Advisory fees 41 42 -2.4% Collection of receivables previously written-off 125 86 45.9% Credit ca
Slide 11: Operating Expenses (Opex)
Operating Expenses (Opex) Opex effectively controlled and declined by 3.5% yoy Rp billion -3.5% YoY 2.9% YoY -8.5% YoY Breakdown of G&A Sep-21 Sep-20 YoY General 1,145 1,318 -13.1% Rental 103 128 -19.6% Depreciation and amortization 373 378 -1.1% Repairs and maintenance fixed assets 211 228 -7
Slide 12: Strong Capital Position
Strong Capital Position Capital Ratios Sep-20 Dec-20 Mar-21 Jun-21 Sep-21 YoY QoQ Tier I 21.85% 22.80% 23.85% 24.95% 25.37% 3.52% 0.42% Tier II 1.62% 1.51% 1.42% 1.32% 1.25% -0.36% -0.07% Total CAR 23.47% 24.31% 25.27% 26.27% 26.62% 3.15% 0.34% 12
Slide 13: Balance Sheet - Consolidated
Balance Sheet - Consolidated Rp billion Sep-21 Jun-21 Sep-20 YoY QoQ Loans 98,785 98,803 109,431 -9.7% 0.0% Other Earning Assets 42,246 49,998 54,996 -23.2% -15.5% Other Assets 12,944 12,809 12,904 0.3% 1.1% Total Assets 153,974 161,609 177,331 -13.2% -4.7% Deposits from Customer 101,881 107,432 116
Slide 14: Financial Ratios
Financial Ratios Sep-21 Jun-21 Sep-20 YoY Sep-21 Jun-21 Sep-20 YoY Consolidated Bank Only a b c (a-c) a b c (a-c) Profitability Profitability Return On Assets 1.21% 0.91% 1.11% 0.10% Return On Assets 0.90% 0.59% 0.88% 0.02% Return On Equity (Tier 1) 5.48% 3.99% 6.00% -0.52% 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 -5.7% Rp billion -1.5% 3.6% -18.9% TD +35.5% CASA Shariah Banking Unit PBT surged 21.5% to Rp403 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 3Q 21
Key Highlight of Digital Initiatives 3Q 21 M2U transaction growth trend are maintained and more features have been launched M2U Digital Onboarding QR Pay • 50% YoY growth in M2U • More than 80K funding • QR Pay transactions volume transactions volume with more accounts have been opened conducted thr
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 -14.5% -6.3% Financing Unit Financing (unit) Rp billion -13.8% 21
Slide 22: WOM Finance
WOM Finance Revenue and Profit Before Tax Asset Quality Rp billion -26.4% 18.6% Financing Unit Financing (‘000 unit) Rp billion -13.8% 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 Rp36.7 trillion as of Sep 2021 Contributing 41.35% 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 Internat
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 : Rp154.0 trillion Total Equity : Rp28.0 trillion Market Capitalization : Rp25.5 trillion Rank #13 in terms of Assets Position in Indonesia : Rank #13 in terms of Loans Rank #13 in terms of Deposits 357 (Maybank Indonesia) # of Branches : 558 1
Slide 30: Company Ratings & Shareholdings
Company Ratings & Shareholdings Company Ratings Shareholding Structure As of September 2021 As of September 2021 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
Slide 31: Board of Commissioners
Board of Commissioners Datuk Abdul Farid bin 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 3Q 2021
Events & Awards in 3Q 2021 My Happy & Lucky Bank 2nd Period Drawing A total of 57 customers from various cities in Indonesia won attractive prizes, starting from one Nissan Kicks hybrid car unit to Road Bike e-voucher worth Rp45 million, Samsung S21 mobile phone, Viar Panama electric bike as well as
Slide 35: CSR Activities in 3Q 2021
CSR Activities in 3Q 2021 Maybank Indonesia Distributes Rp950 Million Qurban Assistance to Facilitate Online Qurban Through its Shariah Business Unit, Maybank Indonesia carried out share act of kindness activities to welcome Eid al-Adha. This year, Maybank Indonesia facilitated customers to perform
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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