Pt Bank Smbc Indonesia Tbk · IDX:BTPN
Pt Bank Smbc Indonesia Tbk — Investor Presentation (2022)
51 slides from Pt Bank Smbc Indonesia Tbk's investor presentation, 2022
Slide 1: Public Expose 2022 Performance
PUBLIC EXPOSE 2022 Performance
Slide 2: About BTPN
About BTPN Banking Industry Overview FY 2022 Financial Performance BTPN Business Activities CSR & Awards COVID-19 Update at BTPN
Slide 3: Bank BTPN Profile (Consolidated)
Bank BTPN Profile (Consolidated) as of 31 December 2022 1.813 outlets* 32 Provinces & 204 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 209.2 trillion 19,740 (77% Female) Assets Employ
Slide 4: Shareholders
Shareholders as of 31 December 2022 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.
Slide 5: Board of Commissioners
Board of Commissioners as of 31 December 2022 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 December 2022 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: Vision and Long Term Aspiration
Vision To become the first-choice bank in Indonesia, which give significant change in the life of millions of people, mainly with the support of digital technology Long Term Aspiration Creating a financial business group and expanding business reach in the regional markets ASEAN Regional Bank Whole
Slide 10: BTPN Syariah Profile
BTPN Syariah Profile as of 31 December 2022
Slide 11: About BTPN
About BTPN Banking Industry Overview FY 2022 Financial Performance BTPN Business Activities CSR & Awards COVID-19 Update at BTPN
Slide 12: Banking Industry
Banking Industry Loan outstanding inched up by +11.0% YoY in 3Q’22, the highest growth since the pandemic began, boosted by stronger economic growth Indonesia Banking Industry Financial Summary Loan and Deposit YoY growth Deposit (YoY) IDR trillion Sep'21 Dec'21 Sep'22 ∆YoY 11.0% 12.9% 7.7% Total As
Slide 13: FY 2022 Financial Performance
About BTPN Banking Industry Overview FY 2022 Financial Performance BTPN Business Activities CSR & Awards COVID-19 Update at BTPN
Slide 14: Financial Performance - Consolidated: FY'22 Key Highlights
Financial Performance - Consolidated FY’22 Key Highlights • Total Assets increased by 9% YoY to IDR 209.2 trillion, from IDR 191.9 trillion. • The Bank recorded IDR 146.1 trillion in outstanding loans as of Dec’22, up by 8% year-on- year (YoY) from IDR 135.6 trillion booked a year ago, with growth b
Slide 15: Financial Performance - Consolidated
Financial Performance - Consolidated Dec'21 Mar'22 Jun'22 Sep'22 Dec'22 Balance Sheet (IDR billion) ∆QoQ ∆YoY (Audited) (Unaudited) (Unaudited) (Unaudited) (Audited) Liquid Assets 49,477 42,543 37,053 35,579 52,870 49% 7% Loans (gross) 135,599 142,366 149,255 155,426 146,124 -6% 8% Total Assets 191,
Slide 16: Financial Performance - Consolidated
Financial Performance - Consolidated FY'21 FY'22 Income Statement (IDR billion) 3Q'22 4Q'22 ∆QoQ ∆YoY (Audited) (Audited) Net Interest Income 11,143 2,944 3,010 11,678 2% 5% Other Operating Income 1,960 524 485 2,013 -8% 3% Operating Income 13,103 3,468 3,494 13,691 1% 4% Operating Expense (6,983) (
Slide 17: Key Financial Ratios - Consolidated
Key Financial Ratios - Consolidated Dec'21 Jun'22 Sep'22 Dec'22 Ratios (%) ∆QoQ ∆YoY (Audited) (Unaudited) (Unaudited) (Audited) NIM 6.56 6.34 6.36 6.32 (0.03) (0.24) NSFR 126.60 121.30 123.05 133.72 10.67 7.12 LCR 187.26 181.28 194.42 229.30 34.88 42.04 Loan to Funding 89.29 98.00 99.11 89.50 (9.60
Slide 18: Deposits Growth
Deposits Growth CUSTOMER DEPOSITS COMPOSITION Customer Deposits Dec'21 Sep'22 Dec'22 ∆YoY Rp trillion (IDR billion) (Audited) (Unaudited) (Audited) 41.3% CASA 37,877 42,871 40,162 6% CASA 34.6% 35.0% Current Account 25,923 29,080 23,766 -8% Ratio Savings 11,954 13,791 16,396 37% 114.9 Time Deposits
Slide 19: Loan Growth by Segment
Loan Growth by Segment Dec'21 Jun'22 Sep'22 Dec'22 Loan Growth (IDR billion) ∆QoQ ∆YoY (Audited) (Unaudited) (Unaudited) (Audited) Total Loan 135,599 149,255 155,426 146,124 -6% 8% Transforming Businesses : 27,732 25,739 24,901 24,145 -3% -13% - Retail Lending 27,364 25,481 24,681 23,948 -3% -12% -
Slide 20: Asset Quality
Asset Quality Asset Quality Gross NPL Composition by Segment Rp trillion 2.28 2.00 2.18 2.08 % Dec-21 Sep-22 Dec-22 0.2% 0.6% 1% 1% 11% 14% 12% 15% Gross NPL 1.68 1.41 1.43 11% 14% 1% 13% 9% 1% 8% 8% Net NPL 0.37 0.38 0.44 29% 30% 29% 28% Gross Cost of Credit 1.58 1.20 1.26 0.2% 10% 0.3% 9% 0.2% 0.3
Slide 21: COVID-19 Restructured Loan
COVID-19 Restructured Loan as of December 2022 Restructured Loan Proportion to Total Loan end of December 2022 4.8% 7.5% 6.1% 5.2% 14.7% 11.0% 3% 16.5% 11% 1% 3% IDR 7.6T 24% 59% 95.2% 92.5% 93.9% 94.8% 85.3% 89.0% 83.5% Corporate SME Corporate SME Consumer Micro BTPN Syariah Commercial Total Loan C
Slide 22: BTPN Business Activities
About BTPN Banking Industry Overview FY 2022 Financial Performance BTPN Business Activities CSR & Awards COVID-19 Update at BTPN
Slide 23: Retail Banking
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 24: Retail Banking Business Strategies
Retail Banking Business Strategies Vision Top 5 retail bank with strong scalability, loyalty, productivity & profitability JENIUS WEALTH RETAIL MICRO MANAGEMENT LENDING Grow customers via complete Position BTPN as a wealth Grow additional proposition Grow traditional model product proposition, life
Slide 25: Retail Banking
Retail Banking 3 Years Strategic Objectives • Acquisition team • Grow Loans • Collaboration/Xsell • Grow Fees thru Trx • Jenius as platform for • Managed Attributed & all products Allocation costs Scalability Profitability Full International • SMBC Group Fledged Digital • Complete Retail Partnership
Slide 26: Retail Banking Registered Customers
JEN TIUSentang Bahasa Indonesia RetailRegistered Banking Customers continue to increase to ~3.664.171 Jenius: Registered Customers continue to increase to ~4.395 million 246 Mn YouTube views REGISTERED CUSTOMERS In Thousand 4,395 4,214 83.4 K 3,995 3,664 3,786 followers 3,056 2,397 112K 18.4 Mn+ pag
Slide 27: Jenius: New Innovations & Updates
Retail Banking Jenius: New Innovations & Updates NEW FEATURE & ENHANCEMENT Jenius Visa Credit Card Jenius from Bank BTPN has launched the latest innovation–Jenius Visa Credit Card--a fully digital credit card that is easy to manage. This innovation is launched to help digital-savvy communities trans
Slide 28: Jenius: New Innovations & Updates
Retail Banking Jenius: New Innovations & Updates NEW FEATURE & ENHANCEMENT Recurring/ Auto Invest Now Jenius users can invest in mutual funds regularly with Jenius more easily! Besides being able to buy mutual funds without a purchase fee*, users can also enjoy the following conveniences: ✅ Affordab
Slide 29: Jenius: New Innovations & Updates
Retail Banking Jenius: New Innovations & Updates MARKETING CAMPAIGN & PROJECT Flexi Rasa Maxi Program The Flexi Rasa Maxi savings program is extended! Not only that, this time users can save with a locking period starting from 3 months! #FlexiRasaMaxi is extended until December 31, 2022! Various pri
Slide 30: Jenius: New Innovations & Updates - Awards
Retail Banking Jenius: New Innovations & Updates AWARDS Indonesia’s Best Corporate Sustainability Initiatives 2022 Category: “CAUSE PROMOTION” Program “#langkahkecilhariini” The Indonesia's Best Corporate Sustainability Initiatives 2022 program is being held for the sixth time by MIX MarComm which i
Slide 31: 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 32: Business Banking
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 33: Business Banking
Business Banking Digital SME: Ease Your Banking Activities with TOUCHBIZ Live in November 2022
Slide 34: 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 35: Corporate Business Department CBD Daya
CORPRATE Corporate BUSINESS DEPARMENT Banking CBD Japanese and Daya CBD DAYA In line with BPTN's commitment to increase the capacity to its customers in providing opportunities for growth and improving the quality of life of customers, CBD Japanese and DAYA continuously hold empowerment programs f
Slide 36: Corporate Banking
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 during this pandemic period through series of webinar events with topics ranging from busine
Slide 37: Corporate Banking: ESG Financing Achievement in 2022
Corporate Banking Wholesale Banking Group – ESG Financing Achievement in 2022 Perusahaan Listrik Negara Syndicated Loan Facility with Sustainability-linked Provisions USD 750 million Syndicated Green Loan Facility PT Semen Indonesia (Persero) PT Solusi Bangun Indonesia Tbk • PT Bank BTPN Tbk, togeth
Slide 38: 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 39: CSR & Awards
About BTPN Banking Industry Overview FY 2022 Financial Performance BTPN Business Activities CSR & Awards COVID-19 Update at BTPN
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 Total environmentally friendly fina
Slide 42: 2022 Awards
2022 Awards The Iconomics: 3rd Indonesia’s 11th Infobank Digital Brand Majalah Investor: Green and Most Popular Digital Financial Award 2022 Platinum Category of Corporate Brands Award 2022 Emission Transparency 2022 Bank BTPN received two awards, namely (Millennial‘s Choice) the 4-Star TOP CSR Awar
Slide 43: 2022 Awards
2022 Awards Majalah TOPBUSINESS: 4-Star Indonesian Institute for TOP CSR Awards 2022 and Corporate Directorship – The TOP Leader on CSR 13th IICD Corporate Commitment 2022 Governance Award 2022 Bank BTPN received two awards, namely The award is given to publicly listed the 4-Star TOP CSR Awards and
Slide 44: 2022 Awards
2022 Awards Majalah Infobank: 1st Rank of KBMI 3 Bank with asset 150-200T This rating is given to 107 banks based on the bank’s performance in 2020-2021 from the published financial statements. This assessment criteria refers to the risk profile, GCG, profitability, capital, efficiency, and growth.
Slide 45: 2022 Awards
2022 Awards Contact Center World - Asia Pacific 2022: Gold medal – Best Contact Center Executive (Leader); Gold medal – Employee engagement; Bronze medal – Trainer; Runner Up (Rank 4) – Contact Center Medium Scale Bank BTPN has obtained four awards at the Contact Center World Asia Pacific, an annual
Slide 46: 2022 Awards
2022 Awards Indonesia Contact Center Association (ICCA): Top 10 in the Best Contact Center Indonesia Award Bank BTPN has obtained the top 10 position in the Best Contact Center Indonesia Award, which was organized by the Indonesia Contact Center Association (ICCA). Awards were presented to companies
Slide 47: 2022 Awards
2022 Awards Top 20 Financial Institution 2022 & Best CFO in Financial Institution 2022 – The Finance: Assets of IDR100 Trillion up to < IDR500 Trillion and the Bank of KBMI 3 category The award is given to the financial institution with the best performance in the last three years. The financial ind
Slide 48: 2022 Awards
2022 Awards LPS Banking Awards 2022 - Lembaga Penjamin Simpanan (LPS): The Best Bank in Providing Information Regarding the Deposit Guarantee Program (Private Bank Group) The award is presented to the banking industry which supports and plays an active role in advancing the financial industry to boo
Slide 49: COVID-19 Update at BTPN
About BTPN Banking Industry Overview FY 2022 Financial Performance BTPN Business Activities CSR & Awards COVID-19 Update at BTPN
Slide 50: COVID-19 Handling at BTPN
COVID-19 Handling at BTPN • • • • •
Slide 51: Thank You
THANK YOU bank e bt TD Asensezcr SMBC Group
PT Bank SMBC Indonesia Tbk (Bank BTPN) — Investor Presentation (2022) on 6ix