Pt Bank Smbc Indonesia Tbk · IDX:BTPN

Pt Bank Smbc Indonesia Tbk — Q3 2015 Earnings Presentation

15 slides from Pt Bank Smbc Indonesia Tbk's earnings presentation, October 2015

  1. Slide 1: 3Q 2015 Results Update

    October 2015 3Q 2015 Results Update

  2. Slide 2: Navigating Well Despite Prolonged Downturn

    Navigating Well Despite Prolonged Downturn 1. Healthy Loans Growth with Good Portfolio Quality:  Loans growth: 11.3% (YoY); 9.5% (YTD)  Loans quality: • NPL: 0.8% • Special Mention: 1.9%  Ample capital for expansion with CAR: 23.8% 2. Strong Liquidity maintained:  LFR: 87%; LFR (incl. Equity): 7

  3. Slide 3: Balance Sheet Highlights (Consolidated)

    Balance Sheet Highlights (Consolidated) Sep '14 Dec '14 Mar '15 Jun '15 Sep '15 ∆YTD ∆YoY IDR billion Cash & BI 5,920 5,758 5,890 7,161 6,428 12% 9% SBI & Placement 11,351 13,928 13,765 12,914 12,938 -7% 14% Loans (gross) 51,135 51,994 53,377 55,727 56,938 10% 11% - Pension 34,355 34,908 35,495 36,1

  4. Slide 4: Profit & Loss Highlights (Consolidated)

    Profit & Loss Highlights (Consolidated) 9M '14 FY '14 1Q '15 2Q '15 3Q '15 9M '15 ∆YoY IDR billion Interest income 9,179 12,293 3,150 3,223 3,298 9,670 5% Interest expense 3,948 5,252 1,305 1,333 1,332 3,970 1% Net interest income 5,231 7,041 1,845 1,890 1,966 5,700 9% Fee income 555 740 181 185 166

  5. Slide 5: Key Ratios

    Key Ratios 9M '14 FY '14 1Q '15 2Q '15 3Q '15 9M '15 % NIM 11.4 11.4 11.3 11.1 11.4 11.2 Cost to Income 56 58 58 60 60 60 Cost to Income (bank only) 55 56 54 58 58 56 Cost to Income (bank only - BAU) 55 55 51 52 52 51 LDR (end of period) 97 97 98 98 96 96 Loan to Funding 87 84 85 86 87 87 Loan to Fu

  6. Slide 6: Loans Composition & Portfolio Quality

    Loans Composition & Portfolio Quality LOANS COMPOSITION SPECIAL MENTION, NPL & COST OF CREDIT IDR tio % 2.01 1.71 1.99 1.92 1.94 56.9 52.0 8% 0.81 0.78 0.77 0.70 0.76 46.1 9% 11% 1.7 1.5 1.5 1.5 1.5 38.8 8% 24% 16% Sep '14 Dec '14 Mar '15 Jun '15 Sep '15 5% 23% Cost of Credit / Avg Loans SM NPL (gro

  7. Slide 7: Funding Composition & Liquidity Reserves

    Funding Composition & Liquidity Reserves FUNDING COMPOSITION CUSTOMER DEPOSIT COMPOSITION IDR tio IDR tio 59.1 65.2 52.2 53.3 58.6 61.5 14% 9% 45.1 14% 15% 50.2 11% 13% 35.6 15% 40.1 10% 11% 17% 91% 85% 86% 89% 87% 86% 90% 85% 89% 83% Dec '11 Dec '12 Dec '13 Dec '14 Sep '15 Dec '11 Dec '12 Dec '13 D

  8. Slide 8: Fee-based Income

    Fee-based Income FEE-BASED INCOME FEE-BASED INCOME COMPOSITION – YTD IDR bio IDR bio 227 185 181 185 166 27 32 (5%) (6%) 227 246 (43%) (46%) 3Q '14 4Q '14 1Q '15 2Q '15 3Q '15 Insurance commission related fee income: 57% 72% 40% 41% 47% Loans Insurance Funding Others 7

  9. Slide 9: iSME

    iSME OUTLETS LOANS IDR bio 6,140 5,393 62 59 Jun '15 Sep '15 Jun '15 Sep '15 CUSTOMERS LOANS PORTFOLIO QUALITY % 1,460 1,289 1.2 0.9 0.7 0.2 Jun '15 Sep '15 Jun '15 Sep '15 Special Mention NPL (gross) 8

  10. Slide 10: Acquired ~120K Customers in 6 Months

    Acquired ~120K Customers in 6 months AREA REPRESENTATIVES (WAR) AGENTS 734 7,547 544 292 2,656 454 Apr '15 Jun '15 Sep '15 Apr '15 Jun '15 Sep '15 CUSTOMERS SAVINGS BALANCE Thousands IDR bio 174 37 30 31 86 56 Apr '15 Jun '15 Sep '15 Apr '15 Jun '15 Sep '15 9

  11. Slide 11: Productive Poor (BTPN Syariah)

    Productive Poor (BTPN Syariah) OUTLETS & EMPLOYEES FINANCING IDR bio 11,939 12,145 3,195 3,190 10,828 11,427 9,774 2,499 2,651 8,011 2,189 15 23 26 1,354 1,627 1,683 1,724 1,789 1,174 1,423 Dec '13 Sep '14 Dec '14 Mar '15 Jun '15 Sep '15 Dec '13 Sep '14 Dec '14 Mar '15 Jun '15 Sep '15 Outlets - Oper

  12. Slide 12: BTPN Syariah: 3Q 2015 Financial Results

    BTPN Syariah: 3Q 2015 Financial Results BALANCE SHEET PROFIT & LOSS Mar '15 Jun '15 Sep '15 1Q '15 2Q '15 3Q '15 9M '15 IDR billion IDR billion Cash & BI 251 302 312 - Bank's share in profit sharing 270 312 356 937 SBI & Placement 737 805 784 - Other operating income 3 9 0 11 Financing & Loans (gros

  13. Slide 13: THANK YOU

    THANK YOU

  14. Slide 14: 3Q '15 Activities

    3Q ‘15 Activities Agent Branding POS at New Agents Kampung WOW! Community-based Events Kampung WOW! Community-based Events to celebrate Merdeka Independence Day Kampung WOW! Community-based Qurban Donation Kurban Events

  15. Slide 15: 3Q '15 Activities

    Dip 3Q ‘15 Activities

PT Bank SMBC Indonesia — Q3 2015 Earnings Presentation on 6ix