Pt Bank Smbc Indonesia Tbk · IDX:BTPN
Pt Bank Smbc Indonesia Tbk — FY2024 Earnings Presentation
68 slides from Pt Bank Smbc Indonesia Tbk's earnings presentation, March 2025
Slide 1: Analyst Briefing FY 2024
Analyst Brie fing FY 202 smbci.com
Slide 2: About SMBC Indonesia
smbci.cot f° SMBC BANK SMBC INDONESIA Ol About SMBC Indonesia BANK SMBC. INDONESIA
Slide 3: 32 Provinces & 200 Cities
32 Provinces & 200 Cities • * According to POJK number 12/POJK.03/2021 regarding Commercial Banks, Payment Points are excluded from the details of the office network. • • • • • • • •
Slide 4: Shareholders
Shareholders as of 31 December 2024 PT alienate Mek Percentage § Number of Shares in en Sumitomo Mitsui Banking 91.05% 9,692,826,975 193,857 Corporation PT Bank Central Asia Tbk* 1.03% 109,742,058 2,195 PT Bank Negara Indonesia (Persero) 0.1% 12,007,137 240 Tbk** Public 7.81% 831,369,578 16,627 Tota
Slide 5: Board of Directors
Board of Directors as of 31 December 2024 KaoruFuruya DarmadiSutanto Deputy President Director Deputy President Presidept Director Directg Keishi Kobata Atshusi Hino Director Director Darwis Director smbci.com Compliance Director Hanna Tantani Director RANK SMBC INDONESIA
Slide 6: Board of Commissioners
Marita Alisjahbana Chow Ying Hoong Takeshi Kimoto Ninik Herlani M. Ridhwan Independent Commissioner President Commissioner Commissioner Independent Commissioner Onny Widjanarko Edmund Tondobala Ongki Wanadjati Dana Independent Independent Commissioner Commissioner Commissioner
Slide 7: SMBC Indonesia's Value
SMBC Indonesia’s Value Customer First Always look at it from the customers’ point of view to provide additional value smbci.com Proactive & Innovative Step up and relentlessly innovate Speed & Quality Differentiate ourselves through the speed and quality of our decision- making and service delivery
Slide 8: Further Growth Drivers
Enhance, synergize & expand the business to provide full-banking services, capitalizing digitalization and SMBC group's capabilities Further Growth Drivers Corporate Individual SMBC G's capabilities Deepening ➢ Enhance products /service by digitalization and leveraging SMBC Large corporate High-net-
Slide 9: *based on outstanding
• • ̴ ̴ • ̴ ̴ • • • • • *based on outstanding
Slide 10: SMBC Indonesia Business Activities
f° SMBC BANK SMBC INDONESIA O 2 SMBC Indonesia Business Activities smbci.cot BANK SMBC. INDONESIA
Slide 11: Digitalization and Engagement
Digitalization & E2E Process Excellence Continuous Innovation Strong Ecosystem & Partnership People Engagement Accelerated Marketing & Brand Building • • • • • • • • • • •
Slide 12: Jenius
Jenius About smbci.com A Simpler, Smarter, and Safer Way to Manage Your Life & Finance, Simply from Your Smartphone © jenius "Life finance solutions that help digital savvy to manage their life and finance to achieve their dreams and aspiration through innovation” M™) senait >) $Cashtag @) ewatier T
Slide 13: More than 5.9 million Jenius registered users
Simple More than 5.9 million Jenius registered users • Your life finance access in one touch spread in 38 provinces across Indonesia • Manage your life finance in 3 easy steps • Saving, payment, transactions, investment connected all in one place 287k followers 577M Smart Million Views 114k page lik
Slide 14: Jenius Registered Users
Jenius Registered Users continue to increase to -5.9 million | > cd 362Mn 59.9K | YouTube views followers e oO 89.2K 288K > followers followers smbci.com REGISTERED USERS In Million 2.3 1.2 Dec'18 Dec19 Dec'20 3.6 Dec'21 BS) 5.2 44 Dec'22 Dec23 Dec24 RANK SMBC INDONESIA
Slide 15: Jenius New Innovation & Update
Jenius New Innovation & Update smbci.com Grow and Maximize your Cash Back with Cash Cow Cash Cow enables Jenius users to quickly receive from programs and promotions as part of their Awards level benefits into a dedicated partitioning. With Cash Cow, you can grow small cash Ito significant savings e
Slide 16: Jenius Marketing Campaign
Jenius Marketing Campaign OCTOBER 2024: Welcome Gift 7.89% In October 2024, Jenius launched saving program, Flexi Rasa Maxi for Jenius new users with cashback up to 7.89%. With a savings deposit starting from Rp 10 million, users can get upfront interest of up to 7.89%. Available with a choice of 6
Slide 17: Jenius Marketing Campaign
Jenius Marketing Campaign =m, ne Bertambah! 3° traveloka® wat @gotood & @eewnisustt /EON BEBE 22748 XXI NOVEMBER 2024: Funds With Benefit - Features In November 2024, Jenius launched saving program namely "Funds With Benefits” Through this program, the more Jenius users save, the more benefits they
Slide 18: Jenius Carter Pesawat Japan Edition
As a part of the Funds With Benefit program and celebrate the name change from Bank BTPN to SMBC Indonesia, Jenius launched Jenius Carter Pesawat – Japan Edition program. This program offers special-priced tickets to Japan with a 50% discount.
Slide 19: Jenius Co.Create Activity Q4 2024
Jenius Co.Create Activity Q4 2024 Co.Create On Vol.6: 1 Do(n't) Care: Olah tubuh dan pikiran as self-care ' Date: 05 October 2024 Time: 07.30 - 11.00 WIB ' Venue: Resolute Fitness, Clkini Speakers: - Hesty Novitasary, M.Psi, Psikolog dari Ruang Tumbuh + Coach Putrak, Certified ACT 1APKI & Precision
Slide 20: Co.Create Volumes 5 and 6
VOLUME 5 - Applying Japanese Financial Wisdom in Indonesia with Kenji Sato This volume featured an engaging discussion with Kenji-san, also known as @Kencampur, a Japanese content creator who has immersed himself in Indonesian culture. The discussion highlighted ways to balance daily necessities wit
Slide 21: Co.Create Volume 7
VOLUME 7 - Exploring the Joy of Solo Traveling with Fahmi Maulana In this volume, we had an insightful discussion with Fahmi Maulana, also known as @jadiginimi, about the unique aspects of solo traveling that go beyond merely traveling alone. Fahmi views solo traveling as an opportunity to embrace f
Slide 22: Wealth Management Business
Wealth Management Business Digital Wealth Campaign in Jenius Free Subscription Fee & Switching Fee for Mutual Fund transaction Momen kayak gini ab Think Unthinkable © Jenius Year-End Travel Secure Program Berikut cara beli Asuransi Jiwa Mikro Sekoci by Allianz.di Jenius Protekst: ‘Think Unthinkable
Slide 23: Travel Insurance Priority Pass
Travel Insurance Priority Pass Launched in Dec 2024 – an eligible priority customer will can enjoy 1 year Priority Pass digital membership including free airport lounge visit up to 8x. Total takers as of 31 Dec 24 is 43 NOC.
Slide 24: Launched New Bonds Product
Launched New Bonds Product INDON54N, Coupon rate 5.150% p.a and Matured 10 Sep 2054
Slide 25: Business Banking
Business Banking Simple-flexible-fast financial services: + — Loan products Open access to the market: + Supply Chain (PRK, PB, Financing untuk PAB/Investme memudahkan nt Loans) Nasabah dalam + Asset Based berhubungan dengan Financing upplier dan buyer Product info + Mitra Bisnis Club Business Model
Slide 26: TOUCHBIZ for SME Corporate customers
A Simple Touch For Your Business https://touchbiz.btpn.com/ TOUCHBIZ is now available for SME Corporate customers - June 2024
Slide 27: Consumer Gathering – Export Import Community
Consumer Gathering – Export Import Commmunity Gathering Event SMBC highlighting Export & Import opportunity in SME business owner Objective: Support SME Business in conducting export business by Introducing USD loan and Forex products YOGYAKARTA SEMARANG 22 November 2024 6 December 2024 Participant:
Slide 28: • • • • • • • • • • • • • •
• • • • • • • • • • • • • • • • • • • • • • • • • • • • •
Slide 29: SMBC Group
SMBC Group Corporate Banking Japanese See a wennen oF ootpora § Jap btpni bk Empowerment Programs for Customers a CBD Japanese ai YA Initiatives Seminar and Webinar Program Focus to business, healthy lifestyle, self-development, and finance. + Joint Efforts in Q4 2024: 6 Empowerment Mini Seminars fo
Slide 30: Wholesale Banking Group
2023 smbci.com Wholesale Banking Group SMBC Indonesia’ achievement in supporting Sustainable Business Activities in Indonesia SMBC Indonesia as Lead Arranger Refinancing Facility UPC Sidrap Wind Energy (First Wind Power Plant in Indonesia) in total amount of loan USD 1147 million. SMBC Indonesia as
Slide 31: Wholesale Banking Group
Wholesale Banking Group Collaboration in DAYA’s initiated An Empowerment Program The Wholesale Banking Group and DAYA initiated an empowerment Program for its customers by providing them with an opportunity to grow and have a more meaningful life through webinars or offline events with topics rangin
Slide 32: OTO SOF Events Highlight
OTO SOF @@S PTOTOMULTIARTHA “as PT SUMMIT OTO FINANCE Events Highlight ES 7 Wristed Financial Solutions Provider AZ Trusted Financial Solutions Provider Embracing Health, Social, and Brand Pillars For the period of October until December 2024, OTO & SOF proudly reflects on a series of impactful even
Slide 33: OTO SOF Health
Health ER 4. Wosed Financial Solutions Provider =% 9 trusted Financiol Solutions Provider OTO SOF — |x Proto MULTIARTHA cas PrsuMMiT TO FINANCE Fostering Wellness Through Sports Activities At OTO-SOF, we recognize that the well-being of our employees is the utmost importance. To promote a healthier
Slide 34: OTO SOF Health Activities
PT SUMMIT OTO FINANCE ‘Trusted Financial Solutions Provider OTO SOF "a PT OTO MULTIARTHA Health ES 7 Wristed Financial Solutions Provider Fostering Wellness Through Sports Activities OTO and SOF successfully held OTO Ekiden Race For Share 2024 event, as a road to 3 decades of OTO. This event remarks
Slide 35: Financial Literacy at SMAN 3 Pandeglang
Donation for SMAN 3 Pandeglang to Financial Literacy Quiz & Contents on Financial Literacy at SMAN 3 Pandeglang support study activitie Instagram
Slide 36: OTO SOF Social
smbci.com OTO SOF @@S PTOTOMULTIARTHA “as PT SUMMIT OTO FINANCE Social i 4 Wisted Financial Solutions Provider =% 972 Trosted Financial Solutions Provider Strengthen Corporate Responsibilities OTO-SOF held the 2" Annual OTO Blood Donations in October 2024 as a road to 3 Decades of PT Oto Multiartha.
Slide 37: OTO SOF Brand Activation
OTO SOF — Sx Proto MULTIARTHA. es PrSUMMITOTO FINANCE Brand Activation i 4 Wisted Financial Solutions Provider =% 972 Trosted Financial Solutions Provider Expanding Presence through Events In the realm of brand activation, OTO-SOF made significant strides by participating in Multi-Finance Day 2024,
Slide 38: Banking Industry Overview
f° SMBC BANK SMBC INDONESIA O 3 Banking Industry Overview smbci.cot BANK SMBC. INDONESIA
Slide 39: Indonesia Banking Industry Financial Summary
Loan and Deposit YoY growth Indonesia Banking Industry Financial Summary Loan Deposit IDR trillion Nov'23 Dec'23 Nov'24 ∆YoY 11.4% 10.8% 10.4% 9.0% Total Assets 11,428 11,766 12,335 7.9% 9.0% 7.5% Total Loans 6,966 7,090 7,717 10.8% 3.7% Customer Deposits 8,216 8,458 8,836 7.5% 3.4% CASA 5,137 5,332
Slide 40: 2024 Financial Performance
f° SMBC BANK SMBC INDONESIA smbci.cot OA 2024 Financial Performance BANK SMBC. INDONESIA
Slide 41: Financial Performance - Consolidated: FY 2024 Key Highlights
ooo Financial Performance - Consolidated FY 2024 Key Highlights In March 2024, SMBC Indonesia completed the acquisition of PT Oto Multiartha (OTO) and PT Summit Oto Finance (SOF) or the OTO Group, as part of the company's strategy to expand its business. On a consolidated basis, SMBC Indonesia's tot
Slide 42: Balance Sheet
Dec'23 Jun'24 Sep'24 Dec'24 Balance Sheet (IDR billion) ∆QoQ ∆YoY (Audited) (Unaudited) (Unaudited) (Audited) Liquid Assets 35,487 47,766 43,345 51,652 19% 46% Loans (gross) 156,561 176,245 175,101 179,405 2% 15% Total Assets 201,448 235,830 228,584 241,096 5% 20% CASA 44,188 48,116 38,047 45,590 20
Slide 43: Income Statement
FY'23 FY'24 Income Statement (IDR billion) 3Q'24 4Q'24 ∆QoQ ∆YoY (Audited) (Audited) Net Interest Income 12,044 4,031 4,225 15,208 5% 26% Other Operating Income 1,689 606 796 2,221 31% 31% Operating Income 13,733 4,637 5,021 17,429 8% 27% Operating Expense (7,222) (2,302) (2,970) (9,428) 29% 31% Cos
Slide 44: Ratios
Dec'23 Jun'24 Sep'24 Dec'24 Ratios (%) ∆QoQ ∆YoY (Audited) (Unaudited) (Unaudited) (Unaudited) NIM 6.45 6.41 6.82 7.10 0.28 0.65 NSFR 113.79 115.61 119.38 125.02 5.64 11.23 LCR 199.68 234.91 225.70 253.71 28.01 54.03 Loan to Funding 102.00 101.60 105.34 100.99 (4.35) (1.01) NPL (gross) 1.36 2.21 2.1
Slide 45: Customer Deposits Composition
CUSTOMER DEPOSITS COMPOSITION Customer Deposits Dec'23 Jun'24 Sep'24 Dec'24 Rp trillion ∆YoY (IDR billion) (Audited) (Unaudited) (Unaudited) (Audited) CASA 40.8% 40.4% 37.6% CASA 44,188 48,116 38,047 45,590 3% Ratio 33.6% Current Account 26,629 29,871 19,980 25,585 -4% Savings 17,559 18,245 18,067 2
Slide 46: Loan Growth
Dec'23 Jun'24 Sep'24 Dec'24 Loan Growth (IDR billion) ∆QoQ ∆YoY (Audited) (Unaudited) (Unaudited) (Audited) Total Loan 156,561 176,245 175,101 179,405 2% 15% Transforming Businesses: 23,709 23,793 23,753 23,807 0% 0% - Retail Lending 22,403 22,185 22,012 21,980 0% -2% - Micro 1,306 1,608 1,741 1,827
Slide 47: Asset Quality
Asset Quality Gross NPL Composition by Segment Rp trillion 2.10 3.87 3.76 4.45 % Dec-23 Jun-24 Sep-24 Dec-24 Gross NPL 1.36 2.21 2.16 2.50 Net NPL 0.40 0.92 0.88 1.07 Gross Cost of Credit 2.02 2.09 2.25 2.37 Loan Loss Provision/NPL 220.72 154.11 253.25 247.64 Loan by Collectability (% of Total Loan)
Slide 48: CSR & Awards
smbci.cot f° SMBC BANK SMBC INDONESIA O 5 CSR & Awards BANK SMBC. INDONESIA
Slide 49: Daya Empowerment Programs
The embodiment of SMBC Indonesia's commitment to continuously improve the Da Y a capacity of its customers by providing opportunities for growth and a more meaningful life. Customer Segment Program Pillars Financial Literacy Self-Capacity High net-worth Development Large Corporation Financial Manage
Slide 50: Sustainable Finance
Sustainable Finance SMBC Indonesia's role in realizing sustainable finance. smbci.com \] SMBC Indonesia has This financing supports the Sustainable Development Goals: Sane succeeded in increasing Sa its environmentally 7 . ewe friendly financing saseaioN portfolio SMBC Indone: added 6.2% of its, gre
Slide 51: 2024 Awards
2024 Awards 7th Infobank Satisfaction, Loyalty, and Engagement 2024 Jenius from SMBC Indonesia has received the “7th Infobank Satisfaction, Loyalty, and Engagement 2024" awards from Infobank Magazine. This event was held to appreciate banks with the best service in maintaining trust, emotional attac
Slide 52: 2024 Awards
2024 Awards The Asset Triple A Awards SMBC Indonesia has received awards in the “The Asset Triple A Sustainable Finance Awards 2024" from The Asset, a prestigious financial industry publication media in the Asia Pacific region. SMBC Indonesia received two award categories as follows: 1. Best Issuer
Slide 53: 2024 Awards
2024 Awards Bank Service Excellence Monitor 2024 The May 2024 edition of Infobank Magazine features the “Bank Service Excellence Monitor 2024” survey. The survey involved 20 commercial banks, 11 regional development banks, 12 sharia banks (6 sharia commercial banks and 6 sharia business units), as w
Slide 54: 2024 Awards
2024 Awards HR Asia Best Companies to Work for in Asia 2024 SMBC Indonesia has received the “HR Asia Best Companies to Work for in Asia 2024" award for the fourth time. The award is dedicated to the companies with the best performance in the field of human resources in Asia. This is reflected in the
Slide 55: 2024 Awards
2024 Awards Bisnis Indonesia Corporate Social Responsibility Award 2024 SMBC Indonesia has received a Gold Champion award in the “Bisnis Indonesia Corporate Social Responsibility Award (BISRA) 2024”. The award is dedicated to the companies with the best Corporate Social Responsibility (CSR) programs
Slide 56: 2024 Awards
2024 Awards ASABRI Payment Partner Awards 2024 SMBC Indonesia has obtained the Payment Partner Awards from PT ASABRI (Persero). The event is designed to appreciate ASABRI's payment partners for their cooperation and good performance throughout 2023. SMBC Indonesia has been collaborating with ASABRI
Slide 57: 2024 Awards
2024 Awards HR Excellence Award 2024 SMBC Indonesia received three awards from the prestigious HR gility and s Excellence Award 2024. Snce Work Experience Towards Future-Ready Organization This achievement demonstrates that SMBC Indonesia has successfully implemented excellent human resource managem
Slide 58: 2024 Awards
2024 Awards Corporate Image Award 2024 The August 2024 edition of Marketing Magazine features the “Corporate Image Award 2024". SMBC Indonesia is in 4th position in the National Bank Category (Assets IDR 150-IDR 500 trillion). The award is dedicated to companies with the best corporate image in thei
Slide 59: 2024 Awards
2024 Awards 29th Infobank Award 2024 SMBC Indonesia has received an award in the "29th Infobank Award 2024" event organized by Infobank Magazine. This event was held to appreciate performance of 32 banks in Indonesia for their "Excellent" title achievement in the "Rating 105 Banks Infobank Version 2
Slide 60: 2024 Awards
2024 Awards Top Digital Company Award 2024 The October 2024 edition of Marketing Magazine features the "Top Digital Company Award 2024". Bank BTPN is in 5th position in the KBMI 3 Banking Financial Institution category, Oto Multiartha is in 6th position in the four wheeled vehicle financing company
Slide 61: 2024 Awards
2024 Awards Annual Report Award 2023 Bank BTPN has received an award in the "Annual Report Award 2023" organized by the National Committee on Governance Policy (KNKG) Bank BTPN’s Compliance Director Dini Herdini received the award on Monday (07/10) at the Indonesia Stock Exchange Building in Jakarta
Slide 62: 2024 Awards
2024 Awards Top 20 Financial Institutions 2024 Bank BTPN has received “Top 20 Financial Institutions 2024" award from The Finance, a subsidiary of Infobank Magazine. The award is dedicated to the companies in the financial industry (banks, life and general insurers, reinsurers, and multifinance comp
Slide 63: 2024 Awards
2024 Awards Mitra BUMN Champion Award 2024 Bank BTPN has received the Mitra BUMN Champion 2024 award in the Large Private Business Class Creditor/Investor category. The Ministry of State-Owned Enterprises (Kementerian BUMN) presents this award as a token of appreciation to partners, creditors/invest
Slide 64: 2024 Awards
2024 Awards Global Corporate Sustainability Awards (GCSA) 2024 SMBC Indonesia has received an award at the "Global Corporate Sustainability Awards (GCSA) 2024". This event which was held by Taiwan Institute for Sustainable Energy (TAISE), is dedicated to appreciate companies, organizations, and indi
Slide 65: 2024 Awards
2024 Awards Asia Sustainability Reporting Rating (ASRRAT) 2024 SMBC Indonesia has received a Platinum rating in the "Asia Sustainability Reporting Rating (ASRRAT) 2024". This is the fourth consecutive year SMBC Indonesia received the highest rank in its five years of participation in this event. Day
Slide 66: 2024 Awards
2024 Awards Infobank Top 100 CEO & The 200 Future Leaders 2024 President Director of SMBC Indonesia Henoch Munandar has received the ‘Top 100 CEO & The 200 Future Leaders 2024" award from Infobank Magazine. The award is dedicated to appreciate the dedication and contribution of the leaders from the
Slide 67: 2024 Awards
2024 Awards Investing on Climate by Editor's Choice Award 2024 SMBC Indonesia has received an award at the “Investing on Climate by Editor's Choice Award 2024" This event which was held by Editor's Choice, a group of senior editors from various media that focus on climate change investment, is dedic
Slide 68: Thank You
Thank You & SMBC
PT Bank SMBC Indonesia — FY2024 Earnings Presentation on 6ix