Maybank Indonesia
FINANCIAL RESULTS9M 2025 ended 30 September 2025
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Table of Contents
Macroeconomics
18
2
2Maybank Indonesia in Brief
Executive Summary
Results Overview
Shariah Business Unit
16
8
29
20
23
13
8
Digital Banking
2
20
4
Subsidiaries
25
Sustainability
Investment Framework Update
Awards and Events Highlights
40
36
31
28
25
Economic Growth
4.6% to 5.4%
Current
-
0.5% to -1.3%
Account
of GDP
GDP Growth
Macroeconomics and Industry Updates5.11%
5.05% 4.95% 5.02%
Inflation
2.5% ± 1%
Loan Growth
8% to 11%
4.87%
5.12%
5.04%
Amidst global challenges, Indonesia continues to demonstrate resilience, anchored by robust domestic demand, low and stable inflation, and a solid external sector with ample reserves.
Fiscal policy remains
disciplined, with the
1Q 2024 2Q 2024 3Q 2024 4Q 2024 1Q 2025 2Q 2025 3Q 2025
Source: Statistics Indonesia (BPS)
Loan and Deposit Growth
10.85%
10.46%
9.16%
7.77%
8.51%
7.44%
8.45%
7.04%
6.96%
7.56%
12.40% 12.36%
Bank Indonesia's 2025 Prospect
Shariah Financing and Funding Growth
15.38%
13.70%
2025 deficit contained at 2.78% of GDP
10.41%
11.45%
10.09%
9.91%
9.17% 8.15%
7.99%
4.48% 4.75%
7.54%
5.59%
* All growth percentages noted are on
Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Aug-25
Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Aug-25
year-on-year (YoY) basis unless otherwise stated
Source: Indonesia Banking Statistics (SPI) Source: Sharia Banking Statistics (SPS)
3
Table of Contents
2
2
4
Macroeconomics
Maybank Indonesia in Brief
Executive Summary
Results Overview
Shariah Business Unit
2
16
8
20
25
23
13
8
Digital Banking
20
Subsidiaries
25
Sustainability
Investment Framework Update
Awards and Events Highlights
36
40
18
29
31
28
25
Our Presence
1959
1988-
1989
2008
2014-
2015
2019
2023
2024
Established in 15 May 1959
Obtained license for foreign exchange
transactions
Listed in stock exchange
Acquired by Malayan Banking Berhad (Maybank)
Launched the Shariah First Strategy
Change of name from BII
to Maybank Indonesia
Launched the new M2U mobile banking application
Provided Indonesia's first ever Shariah Wealth Management solution
TIME World's Best Companies 2024 awarded to Maybank Group
Maybank Indonesia Market Presence
Loans Market Share (as of Sep 25)
21.6%
17.6%
13th
11.6%
9.9%
4.7%
Total Assets
Rp198.0 tn
2.8%
1.5%
Deposits Market Share (as of Sep 25)
MBI
19.4%
15.2%
12.4%
14th
9.6%
4.4%
2.9%
Rating Calls
idAAA PEFINDO
1.4%
MBI
Top 6
Top 6
Maybank Indonesia Footprint
Physical Footprint
278 22 669
Branches (incl. KCP Mobile ATM* including shariah and (Mobile Cash 26 Cash Recycle
Mumbai branch) Van) Machines (CRM)
Digital Footprint
Employee Strength
>103,000
M2U Active
Users
>3,900
M2E Active
Users
>6,200
Maybankers
Mandiri BRI BCA BNI BTN CIMBN
Mandiri BRI BCA BNI BTN CIMBN
* Connected with over 20,000 ATMS in ATM PRIMA, ATM BERSAMA, ALTO, CIRRUS network and connected to 3,500 Maybank ATMs in Singapore, Malaysia, and Brunei
^ Data as of Sep-25 5
# Active users are defined as those who transact regularly through digital platforms
Board of Commissioners
Dato' Khairussaleh Ramli
President Commissioner
Edwin Gerungan
Commissioner
Datuk Lim Hong Tat
Commissioner
Dato' Zulkiflee Abbas Abdul Hamid
Commissioner
Hendar
Independent Commissioner
Putut Eko Bayuseno
Independent Commissioner
Marina R. Tusin
Independent Commissioner
Daniel James Rompas
Independent Commissioner
6
Board of Directors
Steffano Ridwan
President Director
Irvandi Ferizal
Director
Effendi
Director
Widya Permana
Director
Ricky Antariksa
Director
Bambang Andri Irawan
Director
Yessika Effendi
Director
Romy Hardiansyah
Director
Shaiful Adhli Yazid
Director
Bianto Surodjo
Director
7
Table of Contents
2
2
Macroeconomics
Maybank Indonesia in Brief
Executive Summary
Results Overview
Shariah Business Unit
13
16
20
8
25
Digital Banking
20
Subsidiaries
25
Sustainability
Investment Framework Update
Awards and Events Highlights
36
40
18
29
31
28
25
8
4
2
23
Summary Highlights
Profit Before Tax & Minority InterestRp billion
845
1,300
▲ 53.9%
Net Interest Income (NII)Rp billion
▲ 0.8%
9M 2025 vs 9M 2024
Profit before tax recorded at Rp1.3 trillion in 9M 2025
Sep-24
Sep-25
5,329
Sep-24
5,373
Sep-25
The Bank recorded a 53.9% Fee IncomeRp billion
Net Interest Margin (NIM) rise in PBT and a 77.3% increase in PATAMI. The increase in PBT and PATAMI in 9M FY25 were driven by higher operating income,1,427
Sep-24
▲ 10.7%
1,579
Sep-25
4.45%
Sep-24
▼ 0.16%
4.29%
Sep-25
well-contained overheads Operating Expense ProvisionRp billion Rp billion
and significantly lower loan loss provision.▲ 3.0%
4,901
▼ 32.1%
* All numbers are based on Consolidated Financial Statements which are in accordance with accounting classification unless otherwise stated. The classifications differ from published results which are in accordance with OJK's classification.
^ All growth percentages noted are on year-on-year (YoY) basis unless otherwise stated
4,760
Sep-24
Sep-25
1,144
777
Sep-24
Sep-25
9
DepositRp billion
115,882
▲ 13.2%
131,213
Sep-24
Sep-25
Rp billion
▼ 1.6%
122,367 120,416
Sep-24
Sep-25
LoanLoan & Deposit Growth
Total outstanding loans slightly decreased by 1.6% YoY to Rp120.4 trillion, in line with the Bank's portfolio rebalancing strategy.
Total customer deposits rose 13.2% YoY. Current Accounts and Savings Accounts increased by 19.3% and 0.9% respectively, in line with the Bank's strategy to strengthen efficient funding.
4.26%
Sep-24
2.91%
▼ 0.06%
▼ 0.48%
4.20%
Sep-25
2.43%
CASA Ratio52.74%
Sep-24
LDR▼ 12.97%
88.30%
101.27%
89.51%
▼ 0.48%
▼ 12.00%
52.26%
Sep-25
77.51%
* All growth percentages noted are on year-on-year (YoY) basis unless
Sep-24
Sep-25
Sep-24
Sep-25
otherwise stated
LDR (Consolidated)