Pt Bank Smbc Indonesia Tbk · IDX:BTPN
Pt Bank Smbc Indonesia Tbk — 1H 2026 Earnings Presentation
50 slides from Pt Bank Smbc Indonesia Tbk's earnings presentation, 2026
Slide 1: Analyst Briefing 1H 2026
Analyst Brie fing 1H 202 smbci.com
Slide 2: About SMBC Indonesia; Banking Industry Overview; Financial Performance; CSR & Awards
About SMBC Indonesia Banking Industry Overview 3Q 2024 Financial Performance CSR & Awards
Slide 3: SMBC Indonesia at a glance
32 Provinces & 200 Cities Total Aset IDR 245.5 Trillion • Fitch Ratings: ‘AAA(idn)’; Stable Outlook Corporate Ratings • Pefindo: ‘idAAA’; Stable Outlook • SMBC Indonesia: 199** Extensive Network * According to POJK number 12/POJK.03/2021 regarding Commercial Banks, Payment Points are excluded from t
Slide 4: Shareholders
PT Bank SMBC Indonesia Tbk Nominal Percentage Number of Shares Shareholders (in IDR million) Sumitomo Mitsui Banking 91.05% 9,692,826,975 193,857 Corporation PT Bank Central Asia Tbk* 1.03% 109,742,058 2,195 PT Bank Negara Indonesia (Persero) 0.11% 12,007,137 240 Tbk** Public 7.81% 831,369,578 16,62
Slide 5: Board of Directors
Board of Directors as of 30 June 2026 Henoch Munandar President Director YukiTerayama Director smbci.com Jun Saito Deputy President Director ue me Atsushi Hino Director ie asash Michellina Laksmi Triwardhany Deputy President Director Merisa Darwis Director Hanna Tantani Director Dini Herdini Complia
Slide 6: Board of Commissioners
Chow Ying Hoong Takeshi Kimoto Linus Ekabranko Windoe President Commissioner Commissioner Independent Commissioner Onny Widjanarko Kusumaningtuti Marita Alisjahbana Independent Commissioner Sandriharmy Soetiono Independent Commissioner Independent Commissioner
Slide 7: Corporate values
Customer First Proactive & Innovative Speed & Quality Integrity Synergy Always look at it from As a professional, Collaborate as one the customers’ point Step up and Differentiate ourselves always act with team of view to provide relentlessly through the speed and sincerity and a high additional val
Slide 8: Further Growth Drivers
Enhance, synergize & expand the business to provide full-banking services, capitalizing digitalization and SMBC group's capabilities Further Growth Drivers Corporate Individual SMBC G's capabilities Deepening ➢ Enhance products /service by digitalization and leveraging SMBC Large corporate High-net-
Slide 9: BTPN Syariah profile
• 2008: Established PT Bank SMBC Indonesia Tbk Sharia Business Unit (formerly known as PT Bank Tabungan Pensiunan Nasional Tbk) • 2010: Launched piloting TUR project serving productive inclusive segment, started Serving ̴ 7 mn customers, Coverage ̴ 247.0k communities, with 3 communities in Banten &
Slide 10: SMBC Indonesia Business Activities
SMBC Indonesia Business Activities Banking Industry Overview 3Q 2024 Financial Performance CSR & Awards
Slide 11: Retail Banking Group
Retail Banking Group Acceptance International Strong online & offline Include Retail Lending Business, Wealth Management Banking, Digital Banking market presence with Global Access and advanced payment Acceptability systems Digital Banking Value Hassle Integrated personal banking services Convenienc
Slide 12: Jenius
smbci.com Jenius About A Simpler, Smarter, and Safer Way to Manage Your Life & Finance, Simply from Your Smartphone "Life finance solutions that help digital savvy to manage their life and finance to achieve their dreams and aspiration through innovation” Mm) )Sendit | |) SCashtag | @ ) e-wallet Be
Slide 13: Simple, Smart, Safe
Simple More than 6.4 million Jenius registered users • Your life finance access in one touch • Manage your life finance in 3 easy steps spread in 38 provinces across Indonesia • Saving, payment, transactions, investment connected all in one place 293k 506.4M Million Views followers 146k Smart page l
Slide 14: Registered Users
̴ Registered Users 6.3 6.3 6.4 In million 5.9 5.2 Twitter X logo PNG For Free Download 4.4 3.6 3.1 2.3 1.2 2018 2019 2020 2021 2022 2023 2024 2025 Mar-26 Jun-26
Slide 15: Yay Stickers and Automating FCY Rates
Rewarding Your Everyday Transactions with Yay Stickers Earn cash backs from your daily transaction by completing missions in Play & Yay! while collecting Yay Stickers. Finished missions will unlock rewards to be claimed, and cash backs will be directly available in your Cash Cow. Automating FCY Rate
Slide 16: April and May 2026 events
April 2026 May 2026 Grand Opening SMBC Indonesia Wealth & Business Hub Merah Merah Anime Japan In April, SMBC Indonesia launch new branch office in Pondok In May 2026, we have the 1st official anime IP exhibition Indah called SMBC Indonesia Wealth and Business Hub. collaborated with Japan government
Slide 17: Primary and Secondary Bonds in Jenius
Primary Bonds Secondary Bonds Seconday Bonds ST016 in Jenius FR0064 FR0090 (08 May– 03 Jun 2026) 09 Jun 2026 09 Jun 2026
Slide 18: Business Model: SME Banking
Business Model UVP Target Market Financial Solution Access to Market Simple-flexible-fast Open access to the financial services: market: Access to marketing • Loan products • Supply Chain Financial and business network (Overdraft, Financing untuk Solution expansion memudahkan SMEs (under individual
Slide 19: Business gatherings and events
Wellness sebagai Kunci Elevating Tax Event Gas Pol “Sinergi Bank SMBC “Sinergi Bank SMBC Kinerja dan Bisnis Knowledge & Indonesia bersama BPR” Indonesia bersama BPR” Bersama SMBC Awareness Indonesia Business Matching Business gathering ‘Halal- Business gathering Business gathering Business gathering
Slide 20: Wholesale Banking UVP, Products and Services
Corporate/Wholesale Banking Group includes Corporate/Wholesale Banking, Commercial Banking, Transactional Banking, Supply Chain Financing and Wholesale Funding UVP Products and Services Robust capabilities Unique business Hedging Products (*): Funding Products: Loan Products: and knowledge • IRS/CCS
Slide 21: Empowerment Programs for Customers
Empowerment Programs for Customers CBD Japanese and DAYA Initiatives: • Seminar and Webinar Program Focus to business, healthy lifestyle, self-development, and finance. • Joint Efforts in Q2 2026 : 3 Empowerment Mini Seminars for Japanese corporate customers. Event Details: 1. Trading Company • Part
Slide 22: Sustainable loans provided
▪ SMBC Indonesia provided Social Loan for a Non-Bank Financial Institution that ▪ SMBC Indonesia provided Social Loan for a Non-Bank Financial focuses on affordable housing. Institution that focuses on socioeconomic advancement and empowerment for MSMEs and unbanked target population. ▪ SMBC Indones
Slide 23: DAYA SMBC Indonesia collaborations
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, personal development as well as finances. DAY
Slide 24: Fostering Wellness Through Sports Activities
Fostering Wellness Through Sports Activities At OTO-SOF, we recognize that the well-being of our employees is the utmost importance. To promote a healthier lifestyle, we organized a variety of sports from monthly Car Free Day session, weekly Zumba, Futsal, Badminton, Running, Table Tennis, Yoga sess
Slide 25: Strengthen Corporate Responsibilities
Strengthen Corporate Responsibilities OTO-SOF consistently carried out sustainable social and environmental activities through its cooking oil donation program. Integrated into the Company’s monthly Car Free Day activities, this program aimed to encourage environmental awareness while delivering tan
Slide 26: Strengthen Corporate Responsibilities
Strengthen Corporate Responsibilities During this period, OTO-SOF reaffirmed its commitment to social responsibility through the implementation of Financial Literacy initiatives in collaboration with educational institutions. These initiatives reflected our dedication to fostering a culture of lifel
Slide 27: Strengthen Corporate Responsibilities
Strengthen Corporate Responsibilities During this reporting period, OTO-SOF reinforced its commitment to financial inclusion by delivering Financial Literacy campaigns through social media. The educational content covered a range of relevant topics, including the risks of online gambling, responsibl
Slide 28: Strengthen Corporate Responsibilities
Strengthen Corporate Responsibilities In June 2026, OTO-SOF organized the 1st Annual OTO Blood Donation as part of the 23rd Anniversary celebration of PT Summit Oto Finance. The event successfully collected blood donations from 302 donors, including employees and members of the public. Beyond celebr
Slide 29: Expanding Presence through Events
Expanding Presence through Events In the realm of brand activation, OTO-SOF hosted a comprehensive Leadership Training program specifically designed for motorcycle dealer partners. Held at the Learning Center on 9–10 June 2026, the program served as a collaborative platform to enhance leadership cap
Slide 30: Banking Industry Overview; 1H 2026 Financial Performance
Banking Industry Overview 1H 2026Financial Performance CSR & Awards
Slide 31: Indonesia Banking Industry Financial Summary
Loan and Deposit YoY growth Indonesia Banking Industry Financial Summary Loan Deposit 13.8% 13.5% IDR trillion May'25 Dec'25 May'26 ∆YoY 11.4% 10.4% 10.4% 9.7% 11.5% 9.0% Total Assets 12,661 13,646 14,177 12.0% Total Loans 7,998 8,586 8,918 11.5% 4.5% 3.7% Customer Deposits 9,072 10,058 10,294 13.5%
Slide 32: 1H 2026 Financial Performance
Banking Industry Overview 1H 2026 Financial Performance CSR & Awards
Slide 33: First half 2026 highlights
❑ In the first half of 2026, SMBC Indonesia completed the first phase of the transfer of its pension loan portfolio to PT Bank Tabungan Negara tbk. This step was taken to ensure the continuity of service to customers while providing SMBC Indonesia with flexibility in allocating capital and resources
Slide 34: Balance Sheet
Balance Sheet Jun'25 Mar'26 Jun'26 ∆QoQ ∆YoY (IDR billion) (Unaudited) (Unaudited) (Unaudited) Liquid Assets 39,129 48,442 50,662 5% 29.5% Loans (gross) 185,040 191,782 185,268 -3% 0.1% Total Assets 234,353 250,019 245,453 -2% 4.7% CASA 43,725 58,952 60,057 2% 37.4% TD 66,093 74,825 66,509 -11% 0.6%
Slide 35: Consolidated Income Statement
Consolidated Income Statement 1H'25 1H'26 ∆YoY • Operating income remained stable, with a slight (IDR billion) Net Interest Income 8,060 8,152 1% 1% YoY increase due to higher NII • Cost of credit -13% YoY: lower CoC in Bank Only Other Operating Income 1,361 1,367 0% and subsidiaries Operating Incom
Slide 36: Key Ratios
Jun'25 Dec'25 Mar'26 Jun'26 Ratios (%) ∆QoQ ∆YoY (Unaudited) (Audited) (Unaudited) (Unaudited) NIM 7.12 7.02 6.89 6.89 0.00 (0.23) NSFR 118.89 122.96 122.71 122.90 0.19 4.01 LCR 248.20 229.42 260.24 235.01 (25.23) (13.18) Loan to Funding 107.93 100.66 102.71 105.21 2.50 (2.72) NPL (gross) 3.16 2.59
Slide 37: Customer Deposits Composition
Customer Deposits Jun'25 Dec'25 Mar'26 Jun'26 ∆QoQ ∆YoY (IDR billion) (Unaudited) (Audited) (Unaudited) (Unaudited) CASA 43,725 53,223 58,952 60,057 2% 37% CUSTOMER DEPOSITS COMPOSITION Current Account 21,517 28,854 32,821 35,486 8% 65% Rp trillion Savings 22,208 24,369 26,131 24,570 -6% 11% 47.5% C
Slide 38: Loan by Segment
Loan Jun'25 Dec'25 Mar'26 Jun'26 ∆QoQ ∆YoY (IDR billion) (Unaudited) (Audited) (Unaudited) (Unaudited) Total Loan 185,040 185,388 191,782 185,268 -3% 0% Transforming Businesses: 23,262 21,802 21,027 9,376 -55% -60% - Retail Lending 21,322 20,119 19,383 7,896 -59% -63% - Micro 1,940 1,683 1,645 1,480
Slide 39: Asset Quality
Asset Quality Gross NPL Composition by Segment Rp trillion 5.81 4.76 5.91 6.38 Jun'25 Dec'25 Mar26 Jun26 % (Unaudited) (Audited) (Unaudited) (Unaudited) Gross NPL 3.16 2.59 3.10 3.48 Net NPL 1.64 0.85 0.82 0.83 Gross Cost of Credit 2.94 4.52 2.47 2.24 Loan Loss Provision/NPL 103.94 150.57 125.09 118
Slide 40: CSR & Awards
Banking Industry Overview 3Q 2024 Financial Performance CSR & Awards
Slide 41: DAYA customer capacity development
The embodiment of SMBC Indonesia's commitment to continuously improve the capacity of its customers by providing opportunities for growth and a more meaningful life. Personal Capacity Development Financial Literacy 2025 Daya Performance Report Highlights our impact, achievements, and empowerment ini
Slide 42: Key Highlights until Q2 2026
Key Highlights until Q2 2026 Website Daya.id The Financial Literacy Program, held offline/online activation Daya.id is SMBC Indonesia’s digital empowerment platform, SMBC Indonesia conducted the Sahabat Daya Electronic and through digital channels, has successfully reached more enabling individuals
Slide 43: Sustainable Finance portfolio and SDGs
SMBC Indonesia This financing supports the Sustainable Development Goals: successfully increases its Sustainable Finance portfolio Sustainable Development In the second quarter of 2026, SMBC Indonesia's total Sustainable Goals (SDGs) Finance portfolio reached IDR 18.8 Number 1 Number 2 Number 6 Numb
Slide 44: 9th Infobank Satisfaction, Loyalty, and Engagement 2026
9th Infobank Satisfaction, Loyalty, and Engagement 2026 Jenius from SMBC Indonesia received the “9th Infobank Satisfaction, Loyalty, and Engagement 2026” awards from Infobank Magazine. This event was held to appreciate banks with the best service in maintaining customer satisfaction and loyalty. The
Slide 45: The Asset Triple A Sustainable Finance Awards 2026
The Asset Triple A Sustainable Finance Awards 2026 Both transactions were recognized in the Best Deals category at this event, Through the support of SMBC's global network, SMBC Indonesia strengthened reflecting SMBC Indonesia's ability to design flexible, competitive financing its position as a str
Slide 46: 500 Most Outstanding Women 2026
500 Most Outstanding Women 2026 The Board of Directors and Commissioners of PT Bank SMBC Indonesia Tbk The assessment criteria are based on the company performance, including (“SMBC Indonesia”) have been included in the “500 Most Outstanding Women company size, the position, leadership experience an
Slide 47: Visa Indonesia Client Forum 2026
Visa Indonesia Client Forum 2026 Jenius from PT Bank SMBC Indonesia Tbk affirms its commitment to providing • Excellence in Value-Added Services Innovation relevant, easy, and meaningful financial experiences for customers in the digital This award recognizes Jenius for its value-added service innov
Slide 48: The Best Corporate Emission Reduction Transparency Awards 2026
The Best Corporate Emission Reduction Transparency Awards 2026 As a universal bank serving various customer segments, PT Bank SMBC Indonesia Tbk (“SMBC Indonesia”) is not only committed to providing relevant financial solutions, but also continues to strive to build a transparent and environmentally
Slide 49: HR Asia Awards 2026
HR Asia Awards 2026 Amidst the increasingly dynamic competition in the banking industry, managing This award assessment covers human resource practices, employee human resources and providing a conducive work culture are crucial factors in experience, organizational culture, and employee perceptions
Slide 50: Thank You
Thank You # SMBC
PT Bank SMBC Indonesia — 1H 2026 Earnings Presentation on 6ix