Investor Presentaiton
Maybank Indonesia: Financial Ratios and Loans Portfolio Breakdown
Key Operating Ratios
Loans Portfolio Breakdown
Key Operating Ratio
Dec-21
Sep-21
Dec-20
YOY
IDR Trillion
% of
Portfolio
31 Dec
2021
30 Sep
31 Dec
QoQ
YOY
2021
2020
Profitability & Efficiency
CFS
65.6%
66.8
65.2
2.4%
70.8
(5.6)%
CFS Retail
33.7%
34.3
33.2
3.4%
34.0
0.8%
Return On Assets
1.32%
1.21%
1.04%
0.28%
Auto Loan
15.6%
15.9
15.3
3.9%
16.8
(5.7)%
Return On Equity (Tier 1)
6.29%
5.48%
5.13%
1.16%
Mortgage
15.0%
15.3
14.8
3.1%
14.0
9.0%
Net Interest Margin
4.69%
4.75%
4.55%
0.14%
CC + Personal Loan
2.5%
2.6
2.5
3.2%
2.7
(2.9)%
Cost to Income Ratio
59.92%
62.89%
59.66%
0.26%
Other loans
0.6%
0.6
0.6
(0.6)%
0.5
7.3%
Asset Quality
CFS Non-Retail
31.9%
32.5
32.0
1.3%
36.7
(11.6)%
NPL - Gross
3.69%
4.61%
4.00%
(0.31)%
Business Banking
14.7%
15.0
14.9
0.4%
18.2
(17.6)%
Liquidity & Capital Adequacy
SME+
5.1%
5.2
5.0
4.2%
6.0
(13.3)%
LCR
CET1
CAR
183.97%
176.56%
212.63%
(28.66)%
RSME
12.0%
12.2
12.1
1.3%
12.5 (2.2)%
25.70%
25.37%
22.80%
2.90%
Global Banking
34.4%
35.0
33.6
4.2%
34.5
1.4%
26.91%
26.62%
24.31%
2.60%
Total
101.8
98.8 3.0% 105.3 (3.3)%
^ LCR is disclosed on a quarter-end basis
Note: Maybank Indonesia's loans breakdown is mapped in accordance to its local regulatory reporting requirements.
* OS of CFS non-retail and GB in 2020 have been adjusted with portfolio re-segmentation between non-retail and GB in 2021
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