PT Bank Maybank Indonesia Tbk ("Maybank Indonesia Group") recorded Profit Before Tax (PBT) of Rp1.43 trillion, remaining unchanged Y-o-Y, for the nine months ended 30 September 2026 (9M FY2026). Profit After Tax and Minority Interest (PATAMI) stood at Rp957 billion.

Gross Operating Income (GOI) increased 0.4% Y-o-Y to Rp7.28 trillion. Net Interest Income (NII) grew 4.3% to Rp5.75 trillion, supported by lower interest expenses and higher interest income from the multi-finance subsidiaries (WOM Finance and Maybank Finance) and Maybank Sekuritas. Net Interest Margin (NIM) improved 14 bps to 4.4% in 9M FY2026. Non-interest income declined 8.5% Y-o-Y due to lower trading income under Global Markets (GM), which stood at Rp97 billion amid market volatility. Income from non-GM activities grew 2.3% Y-o-Y to Rp1.58 trillion, supported by bancassurance, mutual funds, advisory fees, and subsidiaries, partially offsetting the decline in GM income.

Overhead expenses increased slightly by only 2.6% Y-o-Y to Rp5.15 trillion. Loan loss provisions eased 10.2% Y-o-Y to Rp749 billion, while Pre-Provision Operating Profit (PPOP) was recorded at Rp2.14 trillion.

3Q FY2026 vs 2Q FY2026

On a quarter-on-quarter (Q-o-Q) basis, Maybank Indonesia recorded an increase in both interest and non-interest income during 3Q 2026. Non-interest income (NOII) grew 19.6%, supported by improved trading income from Global Markets (GM) to Rp96 billion, while interest income increased 6.0% compared with the preceding quarter. Overall, Gross Operating Income (GOI) increased 0.5% Q-o-Q.

Loans and Customer Deposits

As at September 2026, total loans rose 6.8% to Rp128.39 trillion Y-o-Y. Global Banking (GB) loans grew 14.6% Y-o-Y to Rp57.35 trillion, primarily driven by Large Local Corporates (LLC) and Commercial Banking, which recorded growth of 48.0% and 20.6% Y-o-Y, respectively. As part of Maybank Group's regional banking network, Maybank Indonesia continued to strengthen its Global Banking portfolio by strategically refocusing on inbound business opportunities, leveraging the Group's cross-border connectivity to support portfolio growth.

Meanwhile, Community Financial Services (CFS) loans increased 1.2% Y-o-Y to Rp71.03 trillion. CFS Non-Retail loans stood at Rp22.39 trillion, supported by SME Banking loans, which grew 9.6% Y-o-Y. Meanwhile, CFS Retail loans increased 2.1% Y-o-Y to Rp48.64 trillion, supported by 5.3% growth in auto loans, amid continued growth in domestic two-wheeler and four-wheeler sales. Credit Card and Personal Loans also grew 11.0% Y-o-Y.

Current and savings accounts (CASA) grew 16.7% Y-o-Y to Rp79.81 trillion as at September 2026, supported by growth of 21.1% in current accounts and 8.5% in savings accounts. Time deposits declined 28.5% Y-o-Y, in line with the strategy to optimise its funding mix, resulting in a 4.9% Y-o-Y decrease in total customer deposits to Rp124.59 trillion. Despite the decline in total deposits, the CASA ratio strengthened to 64.1% from 52.2% a year earlier.

Asset Quality and Total Assets

Asset quality remained sound, with Non-Performing Loan (NPL) ratios at 2.1% (gross) and 1.3% (net) as at September 2026 from 2.4% (gross) and 1.5% (net) as at September 2025.

As at September 2026, Maybank Indonesia's total consolidated assets stood at Rp219.81 trillion, while the Bank's standalone total assets stood at Rp197.90 trillion, up 7.4% Y-o-Y.

Capital and Liquidity

Maybank Indonesia maintained a strong capital position, with Capital Adequacy Ratio (CAR) of 24.0% and Common Equity Tier 1 (CET1) ratio of 22.8% as at September 2026. Liquidity remained healthy, as reflected in the Bank's standalone Loan-to-Deposit Ratio (LDR) of 88.4%, Liquidity Coverage Ratio (LCR) of 170.0% and Net Stable Funding Ratio (NSFR) of 110.8%.

Shariah Banking

Maybank Indonesia's Shariah Banking recorded 18.4% Y-o-Y increase in financing to Rp32.46 trillion as at September 2026, supported by strong growth in financing across GB and CFS segments.

Shariah GB financing grew 28.0% Y-o-Y, driven by 43.4% growth in Corporate Financing across the FIG and LLC segments, while Commercial Banking financing rose 1.4% Y-o-Y. Shariah CFS financing expanded 12.4% Y-o-Y, supported by 18.6% growth in SME Banking financing and 8.4% growth in Retail Financing. Mortgage financing also grew 8.5% Y-o-Y. Shariah financing accounted for 29.2% of the Bank's total standalone financing as at September 2026, up 80 bps Y-o-Y.

Shariah Banking's CASA grew 12.6% Y-o-Y to Rp25.58 trillion, supported by 22.1% increase in current accounts and 2.7% increase in savings accounts. Time deposits declined 23.6% Y-o-Y, leading to a slight 1.0% decline in total customer deposits to Rp36.13 trillion. The CASA ratio strengthened to 70.8% as at September 2026 from 62.2% a year earlier, reflecting an improved funding mix.

Asset quality also improved, with the gross Non-Performing Financing (NPF) ratio declining to 2.3% from 2.6% Y-o-Y, while the net NPF ratio decreased to 1.5% from 1.8% for the same period.

Shariah Banking's Gross Operating Income grew 3.3% Y-o-Y, supported by 2.6% increase in net income after profit sharing distribution and 6.9% growth in fee-based income. Operating expenses declined 2.7% Y-o-Y, reflecting continued cost discipline. Pre-Provision Operating Profit (PPOP) increased 9.7% Y-o-Y, while Profit Before Tax (PBT) rose 29.4% Y-o-Y to Rp668 billion.

Subsidiaries Overview

Maybank Indonesia's subsidiaries recorded profit growth in auto financing and securities brokerage businesses during 9M FY2026. In the financing segment, PT Maybank Indonesia Finance (Maybank Finance) recorded PBT of Rp573 billion, which increased 32.9% Y-o-Y, while its total financing grew 16.4% Y-o-Y to Rp8.64 trillion as at September 2026. PT Wahana Ottomitra Multiartha Tbk (WOM Finance) recorded PBT of Rp219 billion, which rose 70.5% Y-o-Y, while its total financing grew 4.0% Y-o-Y to Rp6.78 trillion. In the securities brokerage business, PT Maybank Sekuritas Indonesia (Maybank Sekuritas) recorded PBT of Rp223 billion, up 45.1% Y-o-Y, and ranked among the top five brokerage firms in Indonesia by trading market share on the Indonesia Stock Exchange (IDX) during 9M FY2026.

President Director of Maybank Indonesia, Steffano Ridwan, said Maybank Indonesia's performance reflected continued growth in its core banking business, supported by lending growth across its business segments and an improved funding mix, amid continued financial market volatility.

"Following the completion of our transformation into an integrated financial group in August this year, our priorities include strengthening collaboration across our financial entities and leveraging the range of solutions and capabilities within Maybank Indonesia to better serve our customers' financial needs. We will continue to focus on strengthening business fundamentals and enhancing operational efficiency to support sustainable growth."

President Commissioner of Maybank Indonesia, Dato' Zulkiflee Abbas Abdul Hamid, said that the continued loan growth contributed towards strengthening Maybank Indonesia's business while reinforcing its position as one of Maybank Group's key home markets.

"Indonesia plays an important role in the Group's regional strategy. The market presents opportunities to deepen our presence and strengthen connectivity across the region. We will continue to support Maybank Indonesia in enhancing business performance across its entities by leveraging Maybank Group's regional expertise and capabilities in line with our ROAR30 strategy."

Awards
During the third quarter of 2026, Maybank Indonesia received several industry recognitions, including the Sustainability Initiative of the Year award at the Asian Banking & Finance Retail Banking Awards 2026, based on its FY2025 performance, as well as other recognitions in Islamic banking and corporate governance from reputable Indonesian publications.

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About Maybank Indonesia

PT Bank Maybank Indonesia Tbk. ("Maybank Indonesia"), together with its consolidated subsidiaries, is one of Indonesia's leading financial institutions and is part of Maybank Group's regional and international network. The Bank is listed on the Indonesia Stock Exchange under the ticker code BNII.

Operating as an Integrated Financial Group, Maybank Indonesia offers a comprehensive range of financial products and services across various customer segments. These include corporate and retail banking services, financing services through WOM Finance and Maybank Finance, capital markets services through Maybank Sekuritas, asset management services through Maybank Asset Management, and insurance solutions through Etiqa Indonesia.

As at September 2026, Maybank Indonesia operated 266 branches, including 20 Shariah branches and one branch in Mumbai, India, alongside 20 Mobile Sub-Branches and 628 ATMs (including 26 Cash Recycling Machines/CRMs). Its ATM network is connected to PRIMA, ATM BERSAMA, ALTO and CIRRUS, as well as Maybank's ATM networks in Singapore, Malaysia and Brunei. The Bank also provides digital banking services through M2U (App and Web) for individual customers, M2E for corporate customers, and various other digital channels.

As at 30 September 2026, Maybank Indonesia recorded customer deposits of Rp124.59 trillion and total assets of Rp219.81 trillion on a consolidated basis, while the Bank's standalone total assets stood at Rp197.90 trillion.

For further information:

Bayu Irawan

Head, Corporate Communications
Email: ccommunications@maybank.co.id
Tel: +6221 2922-8888