FY2023 M25+ Progress: Enhancing Digital Banking
Maybank Indonesia: P&L Summary and Financial Ratios
IDR billion
1Q FY2023 1Q FY2022*
YOY
4Q FY2022
QoQ
Key Operating Ratios Mar 23
Dec 22 Mar 22**
YOY
Net Fund Based income
Non-Interest income
1,807
1,693
6.7%
1,888
(4.3)%
Profitability & Efficiency
574
475
20.7%
439
30.6%
ROA
1.86%
1.25% 1.41% 0.45%
Net income
2,380
2,168
9.8%
2,327
2.3%
ROE (Tier 1)
8.15%
5.44% 5.89% 2.26%
Overhead expenses
(1,453)
(1,388)
4.7%
(1,314)
10.6%
NIM
5.14% 5.05% 4.79% 0.35%
Personnel
(738)
(689)
7.0%
(647)
14.0%
General and Administrative
(716)
(699)
2.4%
(667)
7.4%
CIR
64.83% 64.18%
64.87%
-0.04%
Operating profit
927
780
18.9%
1,013
(8.5)%
Asset Quality
Provisions Expenses
(176)
(212)
(16.9)%
(449)
(60.7)%
NPL - Gross
3.37% 3.46% 3.93% (0.56)%
Non Operating Income/(Expense)
(1)
(5)
(79.4)%
(6)
(82.3)%
Liquidity & Capital Adequacy
Profit Before Tax and Non-Controlling Interest
750
562
33.3%
559
34.2%
LCR
171.89% 172.28% 192.20% (20.31)%
Tax and Non-Controlling Interest
(184)
(174)
5.8%
(152)
21.4%
CET1
28.00% 25.57% 25.56% 2.44%
Profit After Tax and Non-Controlling Interest
566
388
45.7%
407
39.0%
EPS Basic (IDR)
7.42
5.09
45.8%
5.34
39.0%
CAR
29.11%
26.65% 26.73% 2.38%
*
**
Mudharabah incentive is reclassified (as interest expense) to conform with current year's presentation
Prior Year restatement in accordance with the pronouncement of the Financial Accounting Standards Board of the Institute of Indonesia Chartered Accountants (DSAK-IAI) on 'Attributing Benefits to
Periods of Service' in PSAK 24 (equivalent to IAS 19).
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