Pt Bank Smbc Indonesia Tbk · IDX:BTPN
Pt Bank Smbc Indonesia Tbk — Q3 2020 Earnings Presentation
33 slides from Pt Bank Smbc Indonesia Tbk's earnings presentation, 2020
Slide 1: 3Q 2020 Results Update
bank btpn 3Q 2020 Results Update
Slide 2: BTPN at Glance, Industry Overview, COVID-19, 3Q 2020 Performance
BTPN at Glance Banking Industry Overview Handling COVID-19 at BTPN 3Q 2020 Financial Performance
Slide 3: Bank BTPN Profile (Consolidated)
Bank BTPN Profile (Consolidated) as of September 2020 1.984 outlets 33 Provinces & 277 Cities In the midst of the challenging situation caused by the COVID-19 pandemic, BTPN can maintained bank’s fundamentals well. Capital, funding and liquidity ratios remain healthy. Total Total IDR 186.9 trillion
Slide 4: Shareholders as of September 2020
Shareholders as of 30 September 2020 Shareholders Profile Shareholders Total Number of Ownership Bank BTPN Shareholders Percentages NATIONAL SHAREHOLDERS Shareholders Shares Percentage Indonesian individuals 2,316 18,746,785 0.23 Sumitomo Mitsui Banking 92.43% Pension fund 2 117,500 0.00 Corporation
Slide 5: Board of Commissioners
Board of Commissioners Chow Ying Hoong Ninik Herlani Masli Ridhwan Takeshi Kimoto Irwan M. Habsjah Deputy President Commissioner Independent Commissioner Commissioner Independent Commissioner Position of President Commissioner: Mr. Chow Ying Hoong who has been in the Board of Commissioners since 201
Slide 6: Board of Directors
Board of Directors Ongki Wanadjati Dana Kazuhisa Miyagawa Darmadi Sutanto Dini Herdini Henoch Munandar President Director Deputy President Director Deputy President Director Compliance Director Director Adrianus Dani Prabawa Yasuhiro Daikoku Merisa Darwis Hiromichi Kubo Hanna Tantani Director Direct
Slide 7: Universal Bank That Serves The Full Spectrum of Indonesian Customer Segments
Universal Bank That Serves The Full Spectrum of Indonesian Customer Segments Target Market Enhance, synergize and expand the bank's business to provide complete banking services Vision and use digital banking capabilities and global support from SMBC “To become the first choice bank in Indonesia, wh
Slide 8: 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 9: Strong track record of building a new business
Strong track record of building a new business Corporate Banking & Middle Market Pension mobile banking DAYA launch – SME business Large SME/Commercial business launch for mass Empowerment pilot launch Treasury (Purna Bakti) market launch Retail Lending Business Platform 2008 2009 2010 2011
Slide 10: Our excellence: Digital banking Capabilities & Global support from SMBC Group
Our excellence: Digital banking Capabilities & Global support from SMBC Group 1 Superior and reusable digital Platform 3 Serving a wider customer segment Bank BTPN core Business Bank BTPN's new business potential • Have a reliable banking architecture (example: Product & Microbusiness Services) • Ag
Slide 11: Corporate/Wholesale Banking Group
Corporate/Wholesale Banking Group 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 Syndicatio
Slide 12: Retail Banking Group
Retail Banking Group 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 Bu
Slide 13: Digital Banking - Jenius
bank » bt mn A MEMBER OF SMBC Group A Simpler, Smarter & Safer Way to Manage Your Life and Finance, Simply from Your Smartphone ete, “Simpler Life Happier You” Key Features - mm) ) Sendit (5) ) SCashtag @ e-Wallet Center © Simpler a )PayMe ( (9) ) One Touch Jenius Jenius Keyboard Foreign § ) dream s
Slide 14: Digital Banking - Jenius users
Digital Banking - More than 2.8 million Jenius registered user spread in 34 provinces across Indonesia 179k followers 99.8 Million Views 116k page likes 7.9+Mn installs, 3.9 rating 1+Mn installs, 78.2k 3.6 rating followers
Slide 15: About Business Account
About Business Account Value Proposition: ”Less Busy, More Business” Easy Registration Main Features Linked with Bisniskit Business Contact Simpler Manage personal and business account from one application Easy Login Send It $CashtagBisnis Smarter Finance Transfer Card Center • Powered by Bank BTPN,
Slide 16: About Bisniskit
About Bisniskit - Value Proposition: ”Less Busy, More Business” Main Features • Simple POS/Cashier • Store Management Simplicity • Linked to Jenius Business Account • Business Dashboard Clarity • Product/Inventory Management • Business Expenses Tracker • Customer Relationship Management Growth • Ent
Slide 17: Digital Banking – BTPN Wow!
Digital Banking – BTPN Wow! Customers Agents million 314 thousand 6.6 6.7 6.6 301 296 Sep ‘19 Dec ‘19 Sep ‘20 Sep ‘19 Dec ‘19 Sep ‘20 Active Transactions Customers million % 56 56 56 14.9 11.6 4.9 Sep ’19 Dec ‘19 Sep ‘20 9M’19 FY‘19 9M‘20
Slide 18: Daya
Daya Manifestation of Bank BTPN’s commitment to sustainably increase the capacity of the customers by giving them opportunity to grow and significant change in their lives. Customer Segments Program Pillars Digital access: www.daya.id Health Check Service Digital Marketing Training Collaboration wit
Slide 19: 2020 Awards
2020 Awards Forbes - The World’s Best Bank Rank #4 in Indonesia Investor Magazine – Best Infobank Awards 2020 – Buku III Bank in 2020 Public The Best Buku III Bank Relations Rank #4 for all banks Special award for Indonesia and #2 for local banks Buku III Category based on customer Awards 2020 for t
Slide 20: BTPN Syariah Overview
BTPN Syariah Overview as of September 2020 Customers Assets NPF • Established in 2010 as BTPN Sharia Unit; massive roll-out in 2011 • Spin-off as PT BTPN Syariah on 14 July 2014 Serving 5 mn customers, 15.5 trillion 1.9% • Listed as PT BTPN Syariah Tbk on 8 May 2018 3.8 mn active ROE ROA • Chang
Slide 21: BTPN at Glance, Industry Overview, COVID-19, 3Q 2020 Performance
BTPN at Glance Banking Industry Overview Handling COVID-19 at BTPN 3Q 2020 Financial Performance
Slide 22: Banking Industry
Banking Industry COVID-19 affects loan growth, net profit and financial ratios Indonesia Banking Industry Financial Summary Slowing loan growth IDR trillion Aug'19 Dec'19 Aug'20 ∆YTD ∆YoY 12.1% 11.8% 11.6% Deposit (YoY) Total Assets 8,245 8,563 8,907 4.0% 8.0% 8.6% 6.5% Total Loans 5,465 5,617 5,522
Slide 23: BTPN at Glance, Industry Overview, COVID-19, 3Q 2020 Performance
BTPN at Glance Banking Industry Overview Handling COVID-19 at BTPN 3Q 2020 Financial Performance
Slide 24: Anticipation and Handling of COVID-19
ANTICIPATION & FORM A DEDICATED TASK FORCE LED BY PRESIDENT DIRECTOR HANDLING OF Risk Management, Operations, Businesses, IT, Human Capital, COVID-19 Communications & Daya, Compliance and Legal CARE FOR STAFF CARE FOR CUSTOMER 1. PROVIDE HAND SANITIZER AND BRANCH ANTICIPATION ACTION MASK SPLIT SHORT
Slide 25: BTPN at Glance, Industry Overview, COVID-19, 3Q 2020 Performance
BTPN at Glance Banking Industry Overview Handling COVID-19 at BTPN 3Q 2020 Financial Performance
Slide 26: Financial Performance - Consolidated: 3Q20 Key Highlights
Financial Performance - Consolidated 3Q20 Key Highlights • Total assets reached IDR 186.9T. Total Loans increased by 6% YoY. • The average balance of CASA increased by 16% YoY (with the equal contribution from the Retail & Corporate segment). • Apart from Customer Deposits, Bank BTPN has long-term l
Slide 27: Financial Performance - Consolidated (Balance Sheet)
Financial Performance - Consolidated Sep'19 Dec'19 Mar'20 Jun'20 Sep'20 Balance Sheet (IDR billion) ∆QoQ ∆YoY (Unaudited) (Audited) (Unaudited) (Unaudited) (Unaudited) Liquid Assets 30,277 30,646 31,771 26,410 29,763 13% -2% Loans (gross) 140,593 141,760 157,011 150,475 148,812 -1% 6% Total Assets 1
Slide 28: Financial Performance - Consolidated (Income Statement)
Financial Performance - Consolidated Income Statement (IDR billion) 9M'19 FY'19 1Q'20 2Q'20 3Q'20 9M'20 ∆QoQ ∆YoY Net Interest Income 8,076 11,048 2,923 2,466 2,542 7,931 3% -2% Other Operating Income 1,173 1,561 432 463 418 1,313 -10% 12% Operating Income 9,249 12,608 3,356 2,929 2,960 9,244 1% 0%
Slide 29: Key Financial Ratios - Consolidated
Key Financial Ratios - Consolidated Sep'19 Dec'19 Mar'20 Jun'20 Sep'20 Ratios (%) ∆QoQ ∆YoY (Unaudited) (Audited) (Unaudited) (Unaudited) (Unaudited) NIM 6.81 6.92 6.89 6.21 6.08 NSFR 111.25 113.04 115.86 116.56 113.13 LCR 218.95 229.14 212.45 221.96 246.45 Loan to Funding 96.51 97.20 97.41 100.97 9
Slide 30: Loan Growth by Segment
Loan Growth by Segment Sep'19 Dec'19 Mar'20 Jun'20 Sep'20 Loan Growth (IDR billion) ∆QoQ ∆YoY (Unaudited) (Audited) (Unaudited) (Unaudited) (Unaudited) Total Loan 140,593 141,760 157,011 150,475 148,812 -1% 6% Mature Businesses : 38,198 37,222 36,284 35,237 34,171 -3% -11% - Retail Lending 36,281 35
Slide 31: Asset Quality
Asset Quality Asset Quality Gross NPL by Segment % 9.62 % Sep-19 Dec-19 Mar-20 Jun-20 Sep-20 8,21 Gross NPL 0.84 0.81 0.97 1.12 1.10 5,32 4,54 Net NPL 0.41 0.43 0.46 0.52 0.48 3,48 4.33 3,19 Gross Cost of Credit 1.01 1.04 1.14 1.64 1.74 2,80 1,79 1.87 1,30 0.78 0,66 0,97 Loan Loss Provision/NPL 122.
Slide 32: Loan Restructuring as of 3Q 2020
Loan Restructuring as of 3Q 2020 Restructured Loan Proportion to Total Loan end of September 2020 0.3% 7.8% 24.6% 23.3% 21.2% 2%2% 56.9% 25% 75.7% 99.7% 92.2% 75.4% 76.7% 78.8% IDR 11.6T 43.1% 59% 6% 24.3% 5% Corporate SME Consumer Finance Micro Syariah Commercial Non-Restructured Loan Restructured
Slide 33: Thank You
THANK YOU bank e bt TD Auensezcr SMBC Group
PT Bank SMBC Indonesia Tbk (Bank BTPN) — Q3 2020 Earnings Presentation on 6ix