9M FY2023 Financial Performance

Maybank Indonesia: P&L Summary and Financial Ratios 9M 9M IDR billion YOY FY2023 FY2022* 3Q 2Q FY2023 FY2023 QoQ Key Operating Ratios Sep 23 Dec 22 Sep 22** YOY Net Fund Based income 5,408 5,161 4.8% 1,800 1,801 0.0% Profitability & Efficiency Non-Interest income 1,431 1,321 8.3% 336 521 (35.6)% ROA 1.33% 1.25% 1.20% 0.13% Net income 6,839 6,483 5.5% 2,136 2,322 (8.0)% ROE (Tier 1) 5.94% 5.44% 5.28% 0.66% Overhead expenses (4,424) (4,174) 6.0% (1,481) (1,490) (0.6)% NIM 5.00% 5.05% 4.77% 0.23% Personnel (2,263) (2,106) 7.4% (765) (760) 0.7% General and Administrative (2,162) (2,067) 4.6% (716) (730) (2.0)% CIR 65.63% 64.18% 65.63% 0.00% Operating profit 2,415 2,309 4.6% 655 832 (21.3)% Asset Quality Provisions Expenses (761) (818) (6.9)% (271) (314) (13.7)% NPL - Gross 3.25% 3.46% 3.45% (0.20)% Non Operating Income/(Expense) 3 (10) > 100% 6 (2) (>100)% Liquidity & Capital Adequacy Profit Before Tax and Non-Controlling Interest 1,656 1,482 11.8% 390 516 (24.5)% LCR 220.21% 172.28% 181.92% 38.29% Tax and Non-Controlling Interest (409) (417) (1.9)% (103) (122) (15.3)% Profit After Tax and Non-Controlling Interest EPS Basic (IDR) CET1 27.10% 25.57% 23.76% 3.34% 1,246 1,064 17.1% 287 394 (27.3)% 16.35 13.96 17.1% 3.76 5.17 (27.3)% CAR 28.17% 26.65% 24.87% 3.30% * ** 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). 47

View entire presentation