Pt Bank Smbc Indonesia Tbk · IDX:BTPN
Pt Bank Smbc Indonesia Tbk — PT Bank BTPN — Q1 2023 Earnings Presentation
44 slides from Pt Bank Smbc Indonesia Tbk's earnings presentation, 2023
Slide 1: 1Q 2023 Results Update
1Q 2023 Results Update
Slide 2: About BTPN
About BTPN BTPN Business Activities Banking Industry Overview 1Q 2023 Financial Performance CSR & Awards
Slide 3: Bank BTPN Profile (Consolidated)
Bank BTPN Profile (Consolidated) as of 31 March 2023 1.822 outlets* 32 Provinces & 203 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 204.0 trillion 20,333 (78% Female) Assets Employees
Slide 4: Shareholders
Shareholders as of 31 March 2023 Bank BTPN Shareholders Percentages Number of Shares Nominal (in IDR million) Sumitomo Mitsui Banking 92.43% 7,532,311,297 150,646 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 5.27%
Slide 5: Board of Commissioners
Board of Commissioners as of 31 March 2023 Chow Ying Hoong Takeshi Kimoto Ninik Herlani M. Ridhwan President Commissioner Commissioner Independent Commissioner Irwan M. Habsjah Edmund Tondobala Ongki Wanadjati Dana Independent Independent Commissioner Commissioner Commissioner
Slide 6: Board of Directors
Board of Directors as of 31 March 2023 Henoch Munandar Kaoru Furuya Darmadi Sutanto Dini Herdini President Director Deputy President Director Deputy President Director Compliance Director Hiromichi Kubo Kan Funakoshi Merisa Darwis Hanna Tantani Director Director Director Director
Slide 7: Bank BTPN's Values
Bank BTPN’s Values 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: SMBC G's capabilities
SMBC G's capabilities ➢ Cross- Digitalization sell ➢ • SME • •
Slide 9: BTPN Syariah Profile
BTPN Syariah Profile as of 31 March 2023
Slide 10: About BTPN
About BTPN BTPN Business Activities Banking Industry Overview 1Q 2023 Financial Performance CSR & Awards
Slide 11: Retail Banking: Digitalization
Retail Banking Retail Banking Group International Acceptance Include Retail Lending Business, Wealth Management Banking, Digital Banking, Branchless Global access leveraging Participate actively in the SMBC group’s international network ecosystem for strong market acceptance Banking & Micro Business
Slide 12: Jenius: Value Proposition and Key Features
TA en bouttang Retail Banking Jenius: Value Proposition and Key Features A Simpler, Smarter, and Safer Way to Manage Your Life and Finance, Simply from Your Smartphone Mutual Funds Investment Jenius Pay Moneytory Split Pay
Slide 13: Jenius: Simple, Smart, Safe
TA en bouttang Retail Banking Jenius: Simple, Smart, Safe More than 4.6 million Jenius registered users spread in 38 provinces across Indonesia 223k ollowers 251 Million Views 112k page likes 58.5k followers 19.4+Mn installs, • Can be customized based on your needs and preferences 4.1 rating • Smart
Slide 14: Jenius: Registered Customers
JEN TIUSentang Bahasa Indonesia RetailRegistered Banking Customers continue to increase to ~3.664.171 Jenius: Registered Customers continue to increase to ~4.6 million 251 Mn YouTube views REGISTERED CUSTOMERS In Million 4.6 4.4 83.4 K 3.6 followers 3 2.3 112K 19.4 Mn+ page likes installs 1.2 223K D
Slide 15: Jenius: New Innovations & Updates
Retail Banking Jenius: New Innovations & Updates NEW FEATURE & ENHANCEMENT Jenius Paylater Jenius Paylater is now available for selected Jenius users. Users who have received the Jenius Paylater offer can start their#LangkahKecilHariini with daily shopping, buying their favorite iced coffee, and buy
Slide 16: Jenius: Flexi Cash
Retail Banking Jenius: New Innovations & Updates NEW FEATURE & ENHANCEMENT Flexi Cash In February 2023, Jenius made Flexi Cash available for all customers to apply. Flexi Cash is a fund that is flexible to help you fulfill your needs and wants. It can be disbursed multiple times without having to lo
Slide 17: Jenius: Marketing Campaign & Project
Retail Banking Jenius: New Innovations & Updates MARKETING CAMPAIGN & PROJECT Flexi Rasa Maxi Now, users can join #FlexiRasaMaxi starting from 3 months saving program! Users can save at Flexi Saver on the Jenius app and then choose a prize and a lock period of 3, 6, or 12 months to get cashback, gol
Slide 18: Jenius: Awards
Retail Banking Jenius: New Innovations & Updates AWARDS Public Relations Indonesia Awards 2023 Jenius won two categories at Public Relations Indonesia Awards 2023: 1. Gold Winner – Sub Category Social Media (TikTok) 2. Silver Winner - Sub Category Digital PR (#LangkahKecilHariIni) BAZNAS Awards 2023
Slide 19: Wealth Management: Government Bonds Benchmark Series
Retail Banking Wealth Management Business: Additional Government Bonds Benchmark Series Launched Government Bonds FR Seri Launched Government Bonds FR Seri 0098 0097 (Tenor 20 yrs & 15 yrs, Coupon 7,125%) (Tenor 20 yrs & 15 yrs, Coupon 7,125%) Launched on 9 Jan 2023 Launched on 9 Jan 2023
Slide 20: Wealth Management: USD Government Bonds
Retail Banking Wealth Management Business: Launched Government Bonds denominated in USD (INDON) INDON25 (Tenor 2 Yrs, Coupon INDON28N 4.125%) (Tenor 5 Yrs, Coupon 4.550%) Launched on 14 Feb 2023 Launched on 14 Feb 2023 INDON32N INDON42 (Tenor 9 Yrs, Coupon 4.650%) (Tenor 20 Yrs, Coupon Launched on 1
Slide 21: Wealth Management: Bancassurance Revamp Product
Retail Banking Wealth Management Business: Bancassurance Revamp Product Guardia Ultima Guardia Prima (Launched on 21 Feb 2023) (Launched on 6 Feb 2023)
Slide 22: Wealth Management: New Mutual Fund
Retail Banking Wealth Management Business: Launched New MF : Schroder Dana Liquid – Feb’23 Schroder Dana Liquid Launched Money Market Fund to complete Schroder’s product offering in BTPN on 9th February
Slide 23: Business Banking
Business Banking Business Banking Group includes SME and Consumer Finance Business Business Model UVP Consumer Finance Products Access to Financial marketing and FINANCIAL SOLUTION ACCESS TO MARKET Solution business network expansion Simple – flexible – fast Open access to the financial services: ma
Slide 24: Business Banking: Non-Financial Solutions
Business Banking NFS or Non-Financial Solutions is one of the beyond banking proposition which is offered to SME Customers. The objective of this initiative is to support the SMEs with business insights and knowledge that could benefit them in making new business opportunities and help their busines
Slide 25: Business Banking: Non-Financial Solutions
Business Banking NFS or Non-Financial Solutions is one of the beyond banking proposition which is offered to SME Customers. The objective of this initiative is to support the SMEs with business insights and knowledge that could benefit them in making new business opportunities and help their busines
Slide 26: 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 (*): Loan Products: Unique • IRS/CCS • Bilateral and Syndication Loans business
Slide 27: Green Banking: New Way to Next Level Banking
Green Banking: New Way to Next Level Banking Example: Bank BTPN together 1)Wind Power Plant in with its parent company Sidrap: Indonesia's first SMBC received three Translating Global 'Wind Farm' with a awards from The Asset Strategies into Local capacity of 75 MW Triple A Infrastructure Initiatives
Slide 28: About BTPN
About BTPN BTPN Business Activities Banking Industry Overview 1Q 2023 Financial Performance CSR & Awards
Slide 29: Banking Industry
Banking Industry Loan outstanding increased by 10.6% YoY in Feb’23. Customer Deposits in Feb’23 recorded growth of 8.2% YoY Indonesia Banking Industry Financial Summary Loan and Deposit YoY growth 11.1% Deposit (YoY) IDR trillion Feb'22 Dec'22 Feb'23 ∆YoY 10.1% 10.6% Total Assets 10,062 11,113 10,94
Slide 30: About BTPN
About BTPN BTPN Business Activities Banking Industry Overview 1Q 2023 Financial Performance CSR & Awards
Slide 31: Financial Performance - Consolidated: 1Q'23 Key Highlights
Financial Performance - Consolidated 1Q’23 Key Highlights • Total Assets increased by 6% YoY to IDR 204.0 trillion, from IDR 192.4 trillion. • The Bank recorded IDR 149.9 trillion in outstanding loans as of Mar’23, up by 5% year-on- year (YoY) from IDR 142.4 trillion booked a year ago, with growth b
Slide 32: Financial Performance - Consolidated
Financial Performance - Consolidated Mar'22 Dec'22 Mar'23 Balance Sheet (IDR billion) ∆QoQ ∆YoY (Unaudited) (Audited) (Unaudited) Liquid Assets 42,543 52,870 44,843 -15% 5% Loans (gross) 142,366 146,124 149,905 3% 5% Total Assets 192,378 209,170 203,999 -2% 6% CASA 37,018 40,162 39,566 -1% 7% TD 69,
Slide 33: Financial Performance - Consolidated
Financial Performance - Consolidated Income Statement (IDR billion) 1Q'22 4Q'22 1Q'23 ∆QoQ ∆YoY Net Interest Income 2,848 3,010 2,938 -2% 3% Other Operating Income 467 485 486 0% 4% Operating Income 3,315 3,494 3,424 -2% 3% Operating Expense (1,749) (1,908) (1,815) -5% 4% Cost of Credit (435) (546)
Slide 34: Key Financial Ratios - Consolidated
Key Financial Ratios - Consolidated Mar'22 Dec'22 Mar'23 Ratios (%) ∆QoQ ∆YoY (Unaudited) (Audited) (Unaudited) NIM 6.40 6.32 6.20 (0.12) (0.19) NSFR 117.94 133.72 126.65 (7.07) 8.71 LCR 203.47 229.30 240.66 11.36 37.19 Loan to Funding 94.36 89.50 95.26 5.76 0.90 NPL (gross) 1.40 1.43 1.38 (0.05) (0
Slide 35: Deposits Growth
Deposits Growth CUSTOMER DEPOSITS COMPOSITION Customer Deposits Mar'22 Dec'22 Mar'23 ∆YoY Rp trillion (IDR billion) Unaudited) (Audited) Unaudited) CASA 37,018 40,162 39,566 7% CASA 34.7% 35.0% 34.0% Current Account 24,808 23,766 26,007 5% Ratio Savings 12,209 16,396 13,559 11% 116.4 Time Deposits 6
Slide 36: Loan Growth by Segment
Loan Growth by Segment Mar'22 Dec'22 Mar'23 Loan Growth (IDR billion) ∆QoQ ∆YoY (Unaudited) (Audited) (Unaudited) Total Loan 142,366 146,124 149,905 3% 5% Transforming Businesses: 26,737 24,145 23,666 -2% -11% - Retail Lending 26,432 23,948 23,493 -2% -11% - Micro 177 74 56 -25% -69% - Others 128 12
Slide 37: Asset Quality
Asset Quality Asset Quality Gross NPL Composition by Segment Rp trillion 1.98 2.18 2.08 2.06 % Mar-22 Dec-22 Mar-23 0.5% 1% 1% 1% 13% 12% 15% 17% Gross NPL 1.40 1.43 1.38 13% 14% 9% 9% 1% 8% 0% 8% Net NPL 0.34 0.44 0.45 29% 33% 29% 28% Gross Cost of Credit 1.27 1.26 1.13 0.4% 10% 0.2% 0.3% 0.4% Loan
Slide 38: COVID-19 Restructured Loan
COVID-19 Restructured Loan as of March 2023 Restructured Loan Proportion to Total Loan end of March 2023 0.4% 4.6% 4.4% 7.0% 5.3% 5.3% 9% 3% 14.6% 1% 25% IDR 6.9T 63% 95.6% 99.6% 95.4% 93.0% 94.7% 94.7% 85.4% Corporate SME Micro BTPN Syariah Corporate SME Joint Finance Micro BTPN Syariah Commercial
Slide 39: About BTPN
About BTPN BTPN Business Activities Banking Industry Overview 1Q 2023 Financial Performance CSR & Awards
Slide 40: Daya
The embodiment of Bank BTPN's commitment to continuously Daya improve the 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 41: Sustainable Finance
Sustainable Finance Bank BTPN has It supports Sustainable succeeded in managing Sustainable Development Goals: Development Goals its environmentally (SDGs) friendly financing portfolio It is a global action plan agreed by world leaders, including Indonesia, to end poverty, reduce inequality and prot
Slide 42: 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 43: 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 44: Thank You
THANK YOU bank e bt TD Asensezcr SMBC Group