Pt Bank Smbc Indonesia Tbk · IDX:BTPN
Pt Bank Smbc Indonesia Tbk — FY2023 Earnings Presentation
48 slides from Pt Bank Smbc Indonesia Tbk's earnings presentation, Mar 18, 2024
Slide 1: Bank BTPN FY 2023 Analyst Briefing
bank FAVEPS A MEMBER OF MS SMBC Group
Slide 2: About Bank BTPN
About Bank BTPN Bank BTPN Business Activities Banking Industry Overview FY 2023 Financial Performance CSR & Awards
Slide 3: Bank BTPN Profile (Consolidated)
Bank BTPN Profile (Consolidated) as of 31 December 2023 1.836 outlets* 32 Provinces & 201 Cities * According to POJK number 12/POJK.03/2021 regarding Commercial Banks, Payment Points are excluded from the details of the office network. Total Total IDR 201.4 trillion 20,933 (79% Female) Assets Employ
Slide 4: Shareholders
Shareholders as of 31 December 2023 Bank BTPN Shareholders Percentages Number of Shares Nominal (in IDR million) Sumitomo Mitsui Banking 89.98% 7,332,311,297 146,646 Corporation PT Bank Central Asia Tbk * 1.02% 83,052,408 1,661 PT Bank Negara Indonesia 0.15% 12,007,137 240 (Persero) Tbk ** Public 7.
Slide 5: Board of Commissioners
Board of Commissioners as of 31 December 2023 Chow Ying Hoong Takeshi Kimoto Ninik Herlani M. Ridhwan President Commissioner Commissioner Independent Commissioner Onny Widjanarko Edmund Tondobala Ongki Wanadjati Dana Independent Independent Commissioner Commissioner Commissioner
Slide 6: Board of Directors
Board of Directors as of 31 December 2023 Henoch Munandar Kaoru Furuya Darmadi Sutanto Dini Herdini President Director Deputy President Director Deputy President Director Compliance Director Keishi Kobata Atshusi Hino Merisa Darwis Hanna Tantani Director Director Director Director
Slide 7: Bank BTPN's Value
Bank BTPN’s Value Customer First Proactive & Innovative Speed & Quality Integrity Synergy Always look at it from Step up and Differentiate ourselves As a professional, Collaborate as one the customers’ point relentlessly innovate through the speed and always act with team of view to provide quality
Slide 8: Goal: To become a Top-Class Full Service Financial solution provider
Goal: To become a Top-Class Full Service Financial solution provider SMBC G's capabilities ➢ Cross- Digitalization sell ➢ • • SME •
Slide 9: BTPN Syariah Profile
BTPN Syariah Profile as of 31 December 2023
Slide 10: Bank BTPN Business Activities
About Bank BTPN Bank BTPN Business Activities Banking Industry Overview FY 2023 Financial Performance CSR & Awards
Slide 11: Retail Banking
Retail Banking Retail Banking Group International Acceptance Include Retail Lending Business, Wealth Management Banking, Digital Banking Global Access and Strong online & offline Acceptability market presence with advanced payment systems Digital Value Banking Proposition Hassle Integrated personal
Slide 12: Jenius: Value Proposition and Key Features
Retail Banking Jenius: Value Proposition and Key Features A Simpler, Smarter, and Safer Way to Manage Your Life & Finance, Simply from Your Smartphone Value Proposition “Simpler Life, Happier You” Key Features Send It $Cashtag e-Wallet Center Jenius Visa Credit Card Simpler Life Pay Me Jenius QR Jen
Slide 13: Jenius: Simple. Smart, Safe
Retail Banking Jenius: Simple. Smart, Safe Simple More than 5.2 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 265k follo
Slide 14: Jenius: Registered Users continue to increase to ~5.2 million
Retail Banking Jenius: Registered Users continue to increase to ~5.2 million 311 Mn 62.3K REGISTERED USERS YouTube views followers In Million 5.2 4.6 4.4 88.7 K 3.6 265K followers followers 3 21.9 Mn+ 2.3 installs 1.2 131 K page likes 2.7 Mn+ installs Dec'18 Dec'19 Dec'20 Dec'21 Dec'22 Dec'23
Slide 15: Jenius: New Innovation & Update
Retail Banking Jenius: New Innovation & Update Yay Points Redemption KrisFlyer Miles & Traveloka Points Now, the Yay Points redemption becomes even more complete with the addition of the travel category for redeeming KrisFlyer Miles and Traveloka Points. This development follows the earlier introduc
Slide 16: Jenius: Marketing Campaign & Project
Retail Banking Jenius: Marketing Campaign & Project Offline Ticket Sale for Pocari Sweat Run Indonesia 2024 Jenius users can start their running journey early because on December 12, 2023, they can buy running slot for #PocariSweatRun2024 using Jenius. The presale is open for the first 1,000 people
Slide 17: Wealth Management Business
Retail Banking Wealth Management Business: Launched 1 Government Bonds denominated in IDR (FR) & Onboarding New Investment Manager Partner New partnership with Manulife Asset Management Indonesia and FR0101 (Tenor 6 Years, Coupon 6.875%) launched 7 new funds (5 IDR Funds & 2 USD Funds) Launched in N
Slide 18: Business Banking Model
Business Banking Business Model UVP Target Market FINANCIAL SOLUTION ACCESS TO MARKET Simple – flexible – fast Open access to the financial services: market: Access to • Loan products Financial marketing and • Supply Chain (PRK, PB, Solution business network SMEs (under Individual Financing untuk PA
Slide 19: BTPN Business Banking Workshop
Business Banking BTPN Business Banking Workshop in collaboration with Accurate JI Expo Jakarta, November 2023 Theme: “Optimization Financial Strategy and Tax in Digital Era for F&B SME Business”
Slide 20: Corporate Banking
Corporate Banking Corporate/Wholesale Banking Group includes Corporate/Wholesale Banking, Commercial Banking, Transactional Banking, Supply Chain Financing and Wholesale Funding UVP Products and Services Hedging Products (*): Funding Products: Loan Products: Unique • IRS/CCS • Bilateral and Syndicat
Slide 21: ESG Deposit and Green Deposit: Presenting Sustainable Investment
Corporate Banking Corporate Banking Japanese “ESG Deposit and Green Deposit” : Presenting Sustainable Investment On 22nd of November 2023 Bank BTPN proudly announced the introduction of an innovative financial product, the “ESG Deposit”, designed to cater the increasing awareness of sustainable inve
Slide 22: Wholesale Banking Group and DAYA
Corporate Banking Wholesale Banking Group 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 ranging from business, healthy lifestyle, per
Slide 23: Bank BTPN's Achievement in Supporting Sustainable Business Activities
Bank BTPN’s Achievement in Supporting Sustainable Business Activities in Indonesia Examples of Bank BTPN's Category of Sustainable Business Activities Bank BTPN Sustainable Financing Initiatives Financing ▪ Bank BTPN, as a member of SMBC, adopts (i) the environmental policy that SMBC group has imple
Slide 24: Banking Industry Overview
About Bank BTPN Bank BTPN Business Activities Banking Industry Overview FY 2023 Financial Performance CSR & Awards
Slide 25: Banking Industry
Banking Industry Loan outstanding increased by 10.4% YoY in Dec’23. Customer Deposits in Dec’23 recorded growth of 3.7% YoY Indonesia Banking Industry Financial Summary Loan and Deposit YoY growth IDR trillion Dec'22 Sep'23 Dec'23 ∆YoY 12.2% 11.4% 10.4% Loan (YoY) Total Assets 11,113 11,235 11,766 5
Slide 26: FY 2023 Financial Performance
About Bank BTPN Bank BTPN Business Activities Banking Industry Overview FY 2023 Financial Performance CSR & Awards
Slide 27: Financial Performance - Consolidated: FY 2023 Key Highlights
Financial Performance - Consolidated FY 2023 Key Highlights • Bank BTPN recorded IDR 156.6 trillion in outstanding loans as of December 2023, up by 7% year-on- year (yoy) from IDR 146.1 trillion booked a year ago, with growth business loan up by 9% (IDR 11.5 trillion), transforming business down by
Slide 28: Financial Performance - Consolidated: Balance Sheet
Financial Performance - Consolidated Dec'22 Jun'23 Sep'23 Dec'23 Balance Sheet (IDR billion) ∆QoQ ∆YoY (Audited) (Unaudited) (Audited) (Audited) Liquid Assets 52,870 34,055 34,450 35,487 3% -33% Loans (gross) 146,124 148,714 150,843 156,561 4% 7% Total Assets 209,170 193,105 195,844 201,448 3% -4% C
Slide 29: Financial Performance - Consolidated: Income Statement
Financial Performance - Consolidated FY'22 FY'23 Income Statement (IDR billion) 3Q'23 4Q'23 ∆QoQ ∆YoY (Audited) (Audited) Net Interest Income 11,678 3,041 3,048 12,044 0% 3% Other Operating Income 2,013 492 577 2,073 17% 3% Operating Income 13,691 3,534 3,625 14,118 3% 3% Operating Expense (7,193) (
Slide 30: Financial Performance - Consolidated: Ratios
Financial Performance - Consolidated Dec'22 Jun'23 Sep'23 Dec'23 Ratios (%) ∆QoQ ∆YoY (Audited) (Unaudited) (Audited) (Audited) NIM 6.32 6.33 6.44 6.45 0.02 0.13 NSFR 133.72 123.99 120.31 113.79 (6.52) (19.93) LCR 229.30 223.31 210.80 199.68 (11.12) (29.62) Loan to Funding 89.50 101.64 101.84 102.00
Slide 31: Deposits Growth
Deposits Growth CUSTOMER DEPOSITS COMPOSITION Rp trillion Customer Deposits Dec'22 Sep'23 Dec'23 40.8% ∆YoY (IDR billion) (Audited) (Audited) (Audited) CASA 35.0% CASA 40,162 35,205 44,188 10% Ratio 32.4% Current Account 23,766 21,097 26,629 12% Savings 16,396 14,108 17,559 7% 114.9 108.6 108.2 Time
Slide 32: Loan Growth by Segment
Loan Growth by Segment Dec'22 Jun'23 Sep'23 Dec'23 Loan Growth (IDR billion) ∆QoQ ∆YoY (Audited) (Unaudited) (Audited) (Audited) Total Loan 146,124 148,714 150,843 156,561 4% 7% Transforming Businesses: 24,733 23,946 23,693 23,709 0% -4% - Retail Lending 23,990 23,011 22,608 22,403 -1% -7% - Micro 7
Slide 33: Asset Quality
Asset Quality Asset Quality Gross NPL Composition by Segment Rp trillion 2.08 2.06 2.20 2.10 % Dec-22 Sep-23 Dec-23 1.2% 1.6% 1.7% 2.1% 15% 18% 16% 16% Gross NPL 1.43 1.47 1.36 8% 0.1% 0.4% 0.5% Net NPL 0.44 0.50 0.40 32% 34% 31% 28% 0.3% 0.8% 0.9% 1.6% Gross Cost of Credit 1.26 1.69 2.02 8% 8% 8% 8
Slide 34: COVID-19 Restructured Loan
COVID-19 Restructured Loan as of December 2023 Restructured Loan Proportion to Total Loan end of December 2023 2.9 0.0% 2.0% 4.0% 3.0% 8.7% 10% % 0.5% 25% IDR 4.6T 97.1% 100.0% 98.0% 96.0% 97.0% 65% 91.3% Corporate & Commercial SME Corporate & SME Joint Finance Micro BTPN Syariah Total Loan Micro Co
Slide 35: CSR & Awards
About Bank BTPN Bank BTPN Business Activities Banking Industry Overview FY 2023 Financial Performance CSR & Awards
Slide 36: Daya
The embodiment of Bank BTPN's commitment to continuously improve the Daya capacity of its customers by providing opportunities for growth and a more meaningful life. Customer Segment Program Pillars Financial Self-Capacity Literacy Development High net-worth Large Corporation Digital Access: Medical
Slide 37: Sustainable Finance
Sustainable Finance Bank BTPN has It supports Sustainable succeeded in Sustainable Development Goals: Development Goals managing its (SDGs) environmentally friendly financing It is a global action plan agreed by world leaders, portfolio including Indonesia, to end poverty, reduce inequality and prot
Slide 38: 2023 Awards
2023 Awards 4th Anniversary Indonesia’s Popular Digital Products Awards 2023 – The Iconomics: KBMI 3 Group for Mobile Banking The award is presented to appreciate institutions that have innovated in digital in Indonesia hence they are able to face opportunities, challenges, and competitions from wav
Slide 39: 2023 Awards
2023 Awards Triple A Country Awards 2022 – The Asset: Best Green Loan and Best Local Currency Green Loan In February 2023, PT Bank BTPN Tbk ("Bank BTPN") has received awards in the "Triple A Country Awards 2022" from The Asset in Hong Kong. Bank BTPN received two awards in the 2022 Sustainable Finan
Slide 40: 2023 Awards
2023 Awards Top 100 Most Outstanding Women 2023 PT Bank BTPN Tbk (“Bank BTPN”) has received “the 2023 Top 100 Most Outstanding Women Awards”, which Infobank Magazine handed to Bank BTPN Finance Director Hanna Tantani. This is the second consecutive year Hanna received the award. The awards are dedic
Slide 41: 2023 Awards
2023 Awards PPKM Award 2023 PT Bank BTPN Tbk (“Bank BTPN”) has received the “Pemberlakuan Pembatasan Kegiatan Masyarakat (PPKM) Award 2023” from the Ministry of Health of the Republic of Indonesia. The award is dedicated for Bank BTPN's contribution in handling COVID-19 in Indonesia, through the imp
Slide 42: 2023 Awards
2023 Awards 12th Infobank Digital Brand Awards 2023 PT Bank BTPN Tbk (“Bank BTPN”) has received awards at the annual “12th Infobank Digital Brand Awards 2023” event organized by Infobank Magazine. Infobank Magazine partnered with Isentia, a global media intelligence solution provider, in determining
Slide 43: 2023 Awards
2023 Awards Indonesia Most Powerful Women Award 2023 PT Bank BTPN Tbk (“Bank BTPN”) has received a “2023 Indonesia Most Powerful Women in Maximizing Digital Technology Utilization to Support National Economic Resilience” award. The award was dedicated to Bank BTPN Finance Director Hanna Tantani by H
Slide 44: 2023 Awards
2023 Awards 28th Infobank Award 2023 PT Bank BTPN Tbk ("Bank BTPN") has received an award in the "28th Infobank Award 2023" event organized by Infobank Magazine. This event was held to appreciate performance of 62 banks in Indonesia for their "Excellent" title achievement in the "Rating 106 Banks In
Slide 45: 2023 Awards
2023 Awards Asia Sustainability Reporting Rating (ASRRAT) 2023 PT Bank BTPN Tbk (“Bank BTPN”) has received a Platinum rating in the "Asia Sustainability Reporting Rating (ASRRAT) 2023". This is the third consecutive year Bank BTPN received the highest rank in its four years of participation in this
Slide 46: 2023 Awards
2023 Awards Infobank Top 100 CEO & The Next 200 Leaders 2023 PT Bank BTPN Tbk (“Bank BTPN”) received the “Top 100 CEO 2023” award from Infobank Magazine to Bank BTPN President Director Henoch Munandar. The award is dedicated to appreciate leaders from the banking industry, life insurance, general in
Slide 47: 2023 Awards
2023 Awards Detikcom Awards 2023: Demi Indonesia Bangga Jenius from PT Bank BTPN Tbk (“Bank BTPN”) received the “Digital Bank with the Most Innovative Features” award at one of the series of detikcom Awards, Demi Indonesia Bangga. The award was given in appreciation of various revolutionary innovati
Slide 48: Thank you
bank , Thank you btprt seese
PT Bank SMBC Indonesia Tbk (Bank BTPN) — FY2023 Earnings Presentation on 6ix