Pt Bank Smbc Indonesia Tbk · IDX:BTPN
Pt Bank Smbc Indonesia Tbk — Q1 2022 Earnings Presentation
47 slides from Pt Bank Smbc Indonesia Tbk's earnings presentation, Oct 27, 2022
Slide 1: 1Q 2022 Results Update
1Q 2022 Results Update
Slide 2: Agenda
About BTPN BTPN Business Activities Banking Industry Overview 1Q 2022 Financial Performance CSR & Awards COVID-19 Update at BTPN
Slide 3: Bank BTPN Profile (Consolidated)
Bank BTPN Profile (Consolidated) as of 31 March 2022 1.799 outlets* 32 Provinces & 218 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 192.4 trillion 19,446 (76% Female) Assets Employees
Slide 4: Shareholders
Shareholders as of 31 March 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 5.27%
Slide 5: Board of Commissioners
Board of Commissioners as of 31 March 2022 Chow Ying Hoong Takeshi Kimoto Ninik Herlani Masli Ridhwan Irwan M. Habsjah Edmund Tondobala President Commissioner Commissioner Independent Commissioner Independent Commissioner Independent Commissioner
Slide 6: Board of Directors
Board of Directors as of 31 March 2022 Ongki Wanadjati Dana Kaoru Furuya Darmadi Sutanto Dini Herdini Henoch Munandar President Director Deputy President Director Deputy President Director Compliance Director Director Adrianus Dani Prabawa*) Kan Funakoshi Merisa Darwis Hiromichi Kubo Hanna Tantani D
Slide 7: Bank BTPN's Values
Bank BTPN’s Values Customer-centric Proactive & Innovative Agile Achieving The Best Synergy Focus on stakeholder Step up and continue Embrace change Maintain and provide Collaborate as one interests to innovate and move fast the best service quality team
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 2022
Slide 10: Agenda
About BTPN BTPN Business Activities Banking Industry Overview 1Q 2022 Financial Performance CSR & Awards COVID-19 Update at BTPN
Slide 11: 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 12: Jenius: Value Proposition and Key Features
Retail Banking Jenius: Value Proposition and Key Features A Simpler, Smarter, and Safer Way to Manager Your Life and Finance, Simply from Your Smartphone Mutual Funds Investment Moneytory Split Pay
Slide 13: Jenius: Simple, Smart, Safe
TA en bouttang Retail Banking Jenius: Simple, Smart, Safe More than 3.7 million Jenius registered users spread in 34 provinces across Indonesia 208k followers 226 Million Views 111k page likes 30k followers 12.7+Mn installs, 4.1 rating 81.6k 1.6Mn installs, 4.4 rating followers
Slide 14: 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 ~3.79 million 226 Mn YouTube views CUSTOMERS In Thousand Registered 81.6 K followers 12.7 Mn+ 111K installs page likes 208K 1.6 Mn+ followers ins
Slide 15: Jenius: New Innovations & Updates Introduced
Retail Banking Jenius: New Innovations & Updates Introduced NEW FEATURE & ENHANCEMENT Launching Investment – Mutual Funds Jenius launched its newest feature, Investment. Now, Jenius users can start investing in mutual funds easily and simply directly from the Jenius application. The investment featu
Slide 16: Jenius: New Innovations & Updates Introduced
Retail Banking Jenius: New Innovations & Updates Introduced NEW FEATURE & ENHANCEMENT Jenius X Sinaya Prioritas Jenius collaborated with Sinaya to present the Sinaya Prioritas service, which is an integration between BTPN Sinaya's priority services—which were previously available offline—with the co
Slide 17: Jenius: New Innovations & Updates Introduced
Retail Banking Jenius: New Innovations & Updates Introduced MARKETING CAMPAIGN & PROJECT PUNDI Jenius 2.0 Jenius once again held PUNDI Jenius, a lottery program for all Jenius’ active customers. This program runs from February 1 to April 30, 2022 with a total prize of 89 Samsung Z Flip3 5G as daily
Slide 18: Jenius: Co.Create Activity
Retail Banking JeniusActivity Jenius: Co.Create Co.Create Activity Q4 Local Communities Engagement in Pekanbaru:
Slide 19: Wealth Management Business
Retail Retail Banking Banking Wealth Management Business Wealth Management Business (Additional Bancasurance Product/Oct 2021) Mutual Fund Transaction in Jenius
Slide 20: Wealth Management Business
Retail Retail Banking Banking Wealth Management Business Wealth Management Business (Additional Bancasurance Product/Oct 2021) Additional Government Bonds In Secondary Market (Launched in Jan 2022) ➢ FR0091 (Tenor 10 Yrs, Coupon 6.375%) ➢ FR0092 (Tenor 20 Yrs, Coupon 7.125%) ➢ FR0093 (Tenor 15 Yrs,
Slide 21: Wealth Management Business
Retail Retail Banking Banking Wealth Management Business (1Q’22 Webinar) Wealth Management Business (Additional Bancasurance Product/Oct 2021)
Slide 22: Business Banking
Business Banking Business Banking Group includes SME and Consumer Finance Business Business Model UVP Consumer Finance Products Financial access to Solution marketing and FINANCIAL SOLUTION ACCESS TO MARKET business network Simple – flexible – fast Open access to the expansion financial services: ma
Slide 23: 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 24: Digital SME: TOUCHBIZ
Business Banking Digital SME: Ease Your Banking Activities with TOUCHBIZ Simple touch for your business Launched on 10 February 2022 TOUCHBIZ, as the newest digital banking service to serve existing BTPN’s SME individual customers, is actively committed to provide the right financial solutions for y
Slide 25: 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 26: CBD Japanese and Daya
CORPRATE Corporate BUSINESS DEPARMENT Banking CBD Japanese and Daya CBD DAYA CBD Japanese and DAYA continuously hold empowerment programs for customers. In the 1st Quarter of 2022, CBD Japanese and DAYA joint effort, conducted 3 (three) Online Empowerment Mini Seminar program for Japanese corporat
Slide 27: Wholesale Banking Group
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 28: 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 29: Agenda
About BTPN BTPN Business Activities Banking Industry Overview 1Q 2022 Financial Performance CSR & Awards COVID-19 Update at BTPN
Slide 30: Banking Industry
Banking Industry Gradual revival of the bank intermediation function continues Indonesia Banking Industry Financial Summary Loan and Deposit YoY growth Deposit (YoY) IDR trillion Feb'21 Dec'21 Feb'22 ∆YoY 11.1% 10.1% Total Assets 9,122 10,112 10,062 10.3% 7.8% 6.3% Total Loans 5,419 5,769 5,762 6.3%
Slide 31: Agenda
About BTPN BTPN Business Activities Banking Industry Overview 1Q 2022 Financial Performance CSR & Awards COVID-19 Update at BTPN
Slide 32: Financial Performance - Consolidated: 1Q'22 Key Highlights
Financial Performance - Consolidated 1Q’22 Key Highlights • The bank recorded Rp142.4 trillion in outstanding loans as of March’22, up by 7.3% year-on- year (YoY) from Rp132.7 trillion booked a year ago, with growth business loan up by 15% offset the reduction in matured business by 16%. • Total Ass
Slide 33: Financial Performance - Consolidated
Financial Performance - Consolidated Mar'21 Dec'21 Mar'22 Balance Sheet (IDR billion) ∆QoQ ∆YoY (Unaudited) (Audited) (Unaudited) Liquid Assets 35,004 49,477 42,543 -14% 22% Loans (gross) 132,680 135,599 142,366 5% 7% Total Assets 174,720 191,918 192,378 0% 10% CASA 30,557 37,877 37,018 -2% 21% TD 6
Slide 34: Financial Performance - Consolidated
Financial Performance - Consolidated Income Statement (IDR billion) 1Q'21 4Q'21 1Q'22 ∆QoQ ∆YoY Net Interest Income 2,785 2,833 2,848 1% 2% Other Operating Income 466 508 467 -8% 0% Operating Income 3,251 3,340 3,315 -1% 2% Operating Expense (1,697) (1,863) (1,749) -6% 3% Cost of Credit (164) (524)
Slide 35: Key Financial Ratios - Consolidated
Key Financial Ratios - Consolidated Mar'21 Dec'21 Mar'22 Ratios (%) ∆QoQ ∆YoY (Unaudited) (Audited) (Unaudited) NIM 6.73 6.56 6.40 (0.17) (0.33) NSFR 115.59 126.60 117.94 (8.66) 2.35 LCR 199.70 187.26 203.47 16.21 3.77 Loan to Funding 97.47 89.29 94.36 5.08 (3.11) NPL (gross) 1.42 1.68 1.40 (0.28) (
Slide 36: Deposits Growth
Deposits Growth CUSTOMER DEPOSITS COMPOSITION Customer Deposits Mar'21 Dec'21 Mar'22 ∆QoQ ∆YoY Rp trillion (IDR billion) (Unaudited) (Audited) Unaudited) 35% 35% CASA 30,557 37,877 37,018 -2% 21% CASA 31% Ratio Current Account 18,730 25,923 24,808 -4% 32% 109.4 Savings 11,827 11,955 12,209 2% 3% 106
Slide 37: Loan Growth by Segment
Loan Growth by Segment Restate Mar'21 Dec'21 Mar'22 Loan Growth (IDR billion) ∆QoQ ∆YoY (Unaudited) (Audited) (Unaudited) Total Loan 132,680 135,599 142,366 5% 7% Mature Businesses : 31,779 27,732 26,737 -4% -16% - Retail Lending 31,071 27,364 26,432 -3% -15% - Micro 563 232 177 -23% -69% - Others 1
Slide 38: Asset Quality
Asset Quality Asset Quality Gross NPL by Segment % % Mar-21 Dec-21 Mar-22 6.55 5.78 5.05 Gross NPL 1.42 1.68 1.40 2.41 Net NPL 0.58 0.37 0.34 2.10 1.68 1.36 1.64 Gross Cost of Credit 0.49 1.58 1.27 0.86 0.76 0.73 0.73 Loan Loss Provision/NPL 174.50 173.46 194.63 Mar '21 Jun '21 Sep '21 Dec '21 Mar '
Slide 39: Loan Restructuring
Loan Restructuring as of 31 March 2022 Restructured Loan Proportion to Total Loan end of March 2022 5.4% 7.5% 6.6% 12.5% 2% 26.0% 25.6% 14% 32.9% 2% 3% IDR 9.4T 52% 94.6% 92.5% 93.4% 87.5% 27% 74.0% 74.4% 67.1% Corporate SME Corporate SME Consumer Micro BTPN Syariah Commercial Total Loan Consumer Fi
Slide 40: Agenda
About BTPN BTPN Business Activities Banking Industry Overview 1Q 2022 Financial Performance CSR & Awards COVID-19 Update at BTPN
Slide 41: 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 42: 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 43: 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 44: 2022 Awards
2022 Awards Majalah TOPBUSINESS: 4-Star TOP CSR Awards 2022 and TOP Leader on CSR Commitment 2022 Bank BTPN received two awards, namely the 4-Star TOP CSR Awards and an award to President Director of Bank BTPN Ongki Wanadjati Dana as the TOP Leader on CSR Commitment 2022. The award is given to compa
Slide 45: Agenda
About BTPN BTPN Business Activities Banking Industry Overview 1Q 2022 Financial Performance CSR & Awards COVID-19 Update at BTPN
Slide 46: COVID-19 Handling at BTPN
COVID-19 Handling at BTPN • • • •
Slide 47: Thank You
THANK YOU bank e bt TD Asensezcr SMBC Group
PT Bank SMBC Indonesia Tbk (Bank BTPN) — Q1 2022 Earnings Presentation on 6ix