Pt Bank Smbc Indonesia Tbk · IDX:BTPN
Pt Bank Smbc Indonesia Tbk — FY2022 Earnings Presentation
51 slides from Pt Bank Smbc Indonesia Tbk's earnings presentation, 2023
Slide 1: FY 2022 Results Update
FY 2022 Results Update
Slide 2: About BTPN
About BTPN BTPN Business Activities Banking Industry Overview FY 2022 Financial Performance 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: BTPN Syariah Profile
BTPN Syariah Profile as of 31 December 2022
Slide 10: About BTPN
About BTPN BTPN Business Activities Banking Industry Overview FY 2022 Financial Performance CSR & Awards COVID-19 Update at BTPN
Slide 11: Retail Banking Strategy
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 4.3 million Jenius registered users spread in 34 provinces across Indonesia 219k ollowers 246 Million Views 112k page likes 40.3k followers 18.4+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 ~4.395 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 15: 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 16: 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, users can also enjoy the following conveniences: ✅ Affordable minimum purchase, sta
Slide 17: 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 18: Jenius: 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 19: 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 20: 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 21: Digital SME: TOUCHBIZ
Business Banking Digital SME: Ease Your Banking Activities with TOUCHBIZ Live in November 2022
Slide 22: 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 23: CBD Japanese and 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 24: 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 25: Wholesale Banking Group - Sustainability Seminar
Corporate Banking Wholesale Banking Group - Sustainability Seminar Bank BTPN, in collaboration with International Financial Corporation (“IFC”), initiated a sustainability seminar entitled “Pathway to Net Zero Economy” on 27 September 2022 through online means. This webinar was held for BTPN’s exist
Slide 26: ESG Financing Achievement in 2022
Corporate Banking Wholesale Banking Group – ESG Financing Achievement in 2022 Perusahaan Listrik Negara Environmentally sound financing syndicated facility of USD 750 million ❑ BTPN together with the Bank SMBC Singapore branch and Bank Mizuho Indonesia, have been appointed by PLN as “The Coordinatin
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 FY 2022 Financial Performance CSR & Awards COVID-19 Update at BTPN
Slide 29: Banking Industry
Banking Industry Loan outstanding increased by +11.3% YoY in Nov’22. Customer Deposits in Nov’22 recorded growth of 8.9% YoY Indonesia Banking Industry Financial Summary Loan and Deposit YoY growth IDR trillion Nov'21 Dec'21 Nov'22 ∆YoY Deposit (YoY) 11.6% 10.4% 11.3% Total Assets 9,914 10,112 10,87
Slide 30: About BTPN
About BTPN BTPN Business Activities Banking Industry Overview FY 2022 Financial Performance CSR & Awards COVID-19 Update at BTPN
Slide 31: Financial Performance - Consolidated
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 32: 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 33: 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 34: 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 35: Deposits Growth
Deposits Growth CUSTOMER DEPOSITS COMPOSITION Customer Deposits Dec'21 Sep'22 Dec'22 ∆YoY Rp trillion 41.3% (IDR billion) (Audited) (Unaudited) (Audited) 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 36: 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 37: 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 38: 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% 10.6% 3% 16.4% 11% 1% 3% IDR 7.6T 24% 59% 95.2% 92.5% 93.9% 94.8% 85.3% 89.4% 83.6% Corporate SME Corporate SME Consumer Micro BTPN Syariah Commercial Total Loan C
Slide 39: About BTPN
About BTPN BTPN Business Activities Banking Industry Overview FY 2022 Financial Performance 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 rank in the Best Contact Center Indonesia Award, which was organized by the Indonesia Contact Center Association (ICCA). Awards were presented to companies for
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: About BTPN
About BTPN BTPN Business Activities Banking Industry Overview FY 2022 Financial Performance 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
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