Malayan Banking Berhad Financial Analysis
Maybank Indonesia: P&L Summary and Financial Ratios
IDR billion
FY2022
FY2021*
YOY
4Q
3Q
FY2022 FY2022
QoQ
Key Operating Ratios Dec 22 Sep 22 Dec 21*
YOY
Net Fund Based income
7,209
7,117
1.3%
1,888
1,843
2.4%
Profitability & Efficiency
Non-Interest income
1,760
2,090
(15.8)%
439
450
(2.3)%
ROA
1.25% 1.20% 1.34% (0.09)%
Net income
8,969 9,208
(2.6)%
2,327
2,293
1.5%
ROE (Tier 1)
5.44% 5.29% 6.36% (0.92)%
Overhead expenses
Personnel
(5,647) (5,448)
3.6%
(1,314)
(1,469) (10.6)%
NIM
5.05%
4.77% 4.69% 0.36%
(2,754)
(2,549)
8.0%
(647)
(712)
(9.1)%
General and Administrative
(2,893) (2,899)
(0.2)%
(667)
(757)
(12.0)%
CIR
64.18% 65.63% 59.62% 4.56%
Operating profit
3,322
3,760
(11.6)%
1,013
823
23.1%
Asset Quality
Provisions Expenses
(1,266)
(1,540) (17.8)%
(449)
(284)
58.2%
NPL - Gross
3.46% 3.45% 3.69% (0.23)%
Non Operating Income/(Expense)
(16)
(17)
(6.4)%
(6)
(2)
> 100%
Liquidity & Capital Adequacy
Profit Before Tax and Non-Controlling
Interest
2,040
2,203
(7.4)%
559
538
3.9%
LCR
172.28% 181.92% 183.97% (11.69)%
Tax and Non-Controlling Interest
Profit After Tax and Non-Controlling
Interest
(569)
1,471
(536)
1,666
6.1%
(152)
(137)
10.8%
CET1
25.57% 23.58% 25.89% (0.32)%
EPS Basic (IDR)
19.30
21.86
(11.7)% 407
(11.7)%
401
1.5%
5.34
5.26
1.5%
CAR
26.65%
24.69% 27.10% (0.45)%
*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 50
PSAK 24 (equivalent to IAS 19).View entire presentation