Maybank Earnings Summary Q3 & 9M FY2020
Maybank Indonesia: Financial Ratios and Loans Portfolio Breakdown
Key Operating Ratios
Loans Portfolio Breakdown
Key Operating Ratio
Sep-20 Dec-19
Sep-19
YOY
IDR Trillion
% of 30 Sep 30 Jun!
Portfolio! 2020 2020
QoQ
i30 Sep
2019
YOY
Profitability & Efficiency
CFS
68%
73.9
79.9 (7.6) % 94.4 (21.8)%
Return On Assets
1.11%
1.45%
1.13%
(0.01)%
CFS Retail
32%
35.1 37.5
(6.3)%
Return On Equity (Tier 1)
6.00%
7.73%
6.26%
(0.26)%
Auto Loan
16%
18.0 20.0
42.5 (17.4)%
(9.9)% 23.7 (23.8)%
Net Interest Margin
4.69%
5.07%
4.97%
(0.28)%
Mortgage
13%
14.0
14.3
(1.7)%
15.3
(8.2)%
CC + Personal
Cost to Income Ratio
60.16%
59.48%
60.80%
(0.64)%
2%
2.6
2.8
(6.2)% 3.1
(17.3)%
Loan
Asset Quality
Other loans
1%
0.5
0.4
7.7%
NPL - Gross
4.34%
3.33%
2.63%
1.71%
CFS Non-Retail
36%
38.7
9.6%
42.4 (8.7)% 51.9 (25.4)%
0.4
¡
Liquidity & Capital Adequacy
Business Banking
18%
19.0
21.8 (12.9)% 28.7 (34.0)%
SME+
4%
4.2
LCR
CET 1
CAR
184.60%
146.49%
173.84%
10.76%
RSME
14%
21.85%
19.54%
18.24%
3.61%
Global Banking
32%
23.47%
21.38%
20.09%
3.38%
Total
4.6 (7.7)% 4.9 (15.0)%
15.6 16.1 (3.2)% 18.2 (14.5)%
35.6 35.8 (0.6)% 35.4 0.5%
109.4 115.7 (5.4)% 129.8 (15.7)%
^LCR is disclosed on a quarter-end basis
43
Note: Maybank Indonesia's loans breakdown is mapped in accordance to its local
regulatory reporting requirements.
MaybankView entire presentation