Pt Bank Smbc Indonesia Tbk · IDX:BTPN
Pt Bank Smbc Indonesia Tbk — PT Bank BTPN — H1 2021 Earnings Presentation
40 slides from Pt Bank Smbc Indonesia Tbk's earnings presentation, 2021
Slide 1: 1H 2021 Results Update
1H 2021 Results Update
Slide 2: About BTPN
About BTPN BTPN Business Activities Banking Industry Overview 1H 2021 Financial Performance CSR & Awards Handling COVID-19 at BTPN
Slide 3: Bank BTPN Profile (Consolidated)
Bank BTPN Profile (Consolidated) As of June 2021 1.962 outlets 32 Provinces & 255 Cities Total Total IDR 175.9 trillion 19,374 (75% Female) Assets Employees Corporate • Fitch Ratings: ‘AAA(idn)’; Stable Outlook Total ~12.3 million customers Rating • Pefindo: ‘idAAA’; Stable Outlook Customers
Slide 4: Shareholders as of June 2021
Shareholders as of 30 June 2021 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 5.23%
Slide 5: Board of Commissioners
Board of Commissioners 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 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 Director Director Direc
Slide 7: Bank BTPN's Medium-Term Aspirations
Bank BTPN's Medium-Term Aspirations Bank that serves all segments with digital technology Vision To become the first choice bank in Indonesia, which give significant change in the life of millions of people, mainly with the support of digital technology Long Term Aspiration Creating a financial busi
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: Competitive Advantages of Bank BTPN to achieve our aspirations
2 Competitive Advantages of Bank BTPN to achieve our aspirations: SMBC's global support & BTPN's digital capabilities Improve, synergize & expand the business to provide full banking services, by utilizing SMBC's global support and Bank BTPN's digital capabilities Corporate Individual Big Corporatio
Slide 10: BTPN Syariah Profile
BTPN Syariah Profile as of June 2021 Our Journey 1H 2021 Performance • Established in 2010 as BTPN Sharia Unit; massive roll-out in 2011 Customer & Coverage • Spin-off as PT BTPN Syariah on 14 July 2014 Serving ∼ 6 mn customers, Coverage ∼235k communities, • Listed as PT BTPN Syariah Tbk on 8 May 20
Slide 11: BTPN Business Activities
About BTPN BTPN Business Activities Banking Industry Overview 1H 2021 Financial Performance CSR & Awards Handling COVID-19 at BTPN
Slide 12: Retail Banking
Retail Banking Retail Banking Group International Acceptance Global access leveraging Participate actively in the Include Retail Lending Business, Wealth Management Banking, Digital Banking, Branchless SMBC group’s international network ecosystem for strong market acceptance Banking & Micro Business
Slide 13: Retail Banking: Jenius Registered Customers
Retail Banking Jenius: Registered Customers continue to increase to ~3.3 million CUSTOMERS 154.6 Mn In Thousand YouTube views Registered 3,345 3,187 80.8 K 3,056 followers 9.5 Mn+ 2,397 installs 1,212 110 K page likes 1.3 Mn+ installs Dec'18 Dec'19 Dec'20 Mar'21 Jun'21 186K followers
Slide 14: 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 15: The 3-pronged SME Operating Model
The 3-pronged SME Operating Model - powered by Digital 1 3 RM led & branch model Aspiration: Journey Current State 100% (1) Digital SME • To transform and digitalize towards becoming a Future State 30% (1 & 2) & 70% (3) internal processes to a) Objective Digital SME Bank improve efficiency and speed
Slide 16: Wholesale Banking Group
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 Syndication Loans bu
Slide 17: Green Banking: New Way to Next Level Banking
Green Banking: New Way to Next Level Banking Bank BTPN together Example: with its parent company SMBC received three Translating Global 1) Wind Power Plant in awards from The Asset Strategies into Local Sidrap: Indonesia's first Triple A Infrastructure Initiatives 'Wind Farm' with a Awards 2021: cap
Slide 18: Banking Industry Overview
About BTPN BTPN Business Activities Banking Industry Overview 1H 2021 Financial Performance CSR & Awards Handling COVID-19 at BTPN
Slide 19: Banking Industry
Banking Industry Loan growth continue to experienced a contraction in 2021 Indonesia Banking Industry Financial Summary Slowing loan growth Deposit (YoY) 11.1% IDR trillion May'20 Dec'20 May'21 ∆YoY 10.7 8.9% Total Assets 8,615 9,178 9,274 7.7% 6.3% Total Loans 5,586 5,482 5,514 -1.3% 3.1% Loan (YoY
Slide 20: 1H 2021 Financial Performance
About BTPN BTPN Business Activities Banking Industry Overview 1H 2021 Financial Performance CSR & Awards Handling COVID-19 at BTPN
Slide 21: Financial Performance - Consolidated: 1H'21 Key Highlights
Financial Performance - Consolidated 1H’21 Key Highlights Bank BTPN Record Healthy Performance and Ensuring Bank Stability Throughout Semester I-2021 • Profit before tax increased by 48% YoY. Operating Income increased by 4% YoY and operating expense were well maintained around the same amount as la
Slide 22: Financial Performance - Consolidated
Financial Performance - Consolidated Jun'20 Dec'20 Mar'21 Jun'21 Balance Sheet (IDR billion) ∆QoQ ∆YoY (Unaudited) (Audited) (Unaudited) (Unaudited) Liquid Assets 26,410 39,426 35,004 32,994 -6% 25% Loans (gross) 150,475 136,213 132,680 135,565 2% -10% Total Assets 185,191 183,166 174,720 175,929 1%
Slide 23: Financial Performance - Consolidated
Financial Performance - Consolidated Income Statement (IDR billion) 1H'20 1Q'21 2Q'21 1H'21 ∆QoQ ∆YoY Net Interest Income 5,372 2,785 2,803 5,588 1% 4% Other Operating Income 913 466 493 960 6% 5% Operating Income 6,284 3,251 3,297 6,548 1% 4% Operating Expense (3,443) (1,697) (1,748) (3,444) 3% 0%
Slide 24: Key Financial Ratios - Consolidated
Key Financial Ratios - Consolidated Jun'20 Dec'20 Mar'21 Jun'21 Ratios (%) ∆QoQ ∆YoY (Unaudited) (Audited) (Unaudited) (Unaudited) NIM 6.19 6.11 6.75 6.76 0.01 0.57 NSFR 116.56 115.34 115.59 116.09 0.50 (0.47) LCR 221.96 281.70 199.70 237.84 38.14 15.88 Loan to Funding 100.97 93.60 97.47 98.46 0.99
Slide 25: Deposits Growth
Deposits Growth CUSTOMER DEPOSITS COMPOSITION Customer Deposits Jun'20 Mar'21 Jun'21 ∆QoQ ∆YoY Rp trillion (IDR billion) (Unaudited) (Unaudited) (Unaudited) 31% CASA 27,377 30,557 28,285 -7% 3% CASA 29% Current Account 16,032 18,730 15,941 -15% -1% Ratio 27% Savings 11,345 11,827 12,344 4% 9% Time D
Slide 26: Loan Growth by Segment
Loan Growth by Segment Jun'20 Dec'20 Mar'21 Jun'21 Loan Growth (IDR billion) ∆QoQ ∆YoY (Unaudited) (Audited) (Unaudited) (Unaudited) Total Loan 150,475 136,213 132,680 135,565 2% -10% Mature Businesses : 35,237 33,013 31,829 30,589 -4% -13.2% - Retail Lending 34,036 32,108 31,073 29,946 -4% -12% - M
Slide 27: Asset Quality
Asset Quality Asset Quality Gross NPL by Segment % % Jun-20 Dec-20 Jun-21 8.21 6.62 5.32 5.56 Gross NPL 1.12 1.21 1.46 4.41 4.57 2.38 Net NPL 0.52 0.50 0.58 1.79 Gross Cost of Credit 1.64 1.89 1.04 0.97 1.10 0.72 0.38 Loan Loss Provision/NPL 150.66 208.79 170.84 Jun '20 Sep '20 Dec '20 Mar '21 Jun '
Slide 28: Loan Restructuring as of 1H 2021
Loan Restructuring as of 1H 2021 Restructured Loan Proportion to Total Loan end of June 2021 3.5% 8.9% 6.3% 26.5% 17.9% 3% 33.6% 58.9% 21% 33% 96.5% 91.1% 93.7% 82.1% IDR 8.5T 73.5% 66.4% 4% 41.1% 5% 35% Corporate SME Consumer Finance Micro BTPN Syariah Commercial Non-Restructured Loan Restructured
Slide 29: CSR & Awards
About BTPN BTPN Business Activities Banking Industry Overview 1H 2021 Financial Performance CSR & Awards Handling COVID-19 at BTPN
Slide 30: Daya
Daya The embodiment of Bank BTPN's commitment to continuously improve the capacity of its customers by providing opportunities for growth and a more meaningful life. Customer Segment Program Pillar Financial Literacy Self Capacity Development High net-worth Large Corporation Digital access: Medical
Slide 31: Sustainable Finance
Sustainable Finance Bank BTPN has It supports Sustainable succeeded in increasing 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 Bank BTPN managed to add 19.1% to
Slide 32: 2021 Awards
2021 Awards Bank BTPN received TOP CSR Awards 2021 is one of the an award from Telkomsel prestigious award events organized by in their awarding program: PT Madani Solusi Internasional and MSI Group where PT Bank BTPN Tbk received D’FRONTRUNNER AWARDS two awards, first is the 4-Star TOP CSR “Thrivin
Slide 33: 2021 Awards
2021 Awards Investor Awards Magazine: Best Bank 2021 is an award event that assesses banks based on their performance in the midst of the challenges of the economic crisis due to the COVID-19 pandemic, and their contribution to the progress of the banking industry and Indonesia's economic developmen
Slide 34: Handling COVID-19 at BTPN
About BTPN BTPN Business Activities Banking Industry Overview 1H 2021 Financial Performance CSR & Awards Handling COVID-19 at BTPN
Slide 35: Comply with government regulations, Provision of work facilities
Comply with government regulations, Provision of work facilities - New ways of working and support for occupational health and safety Working Environment Employee Support at Bank BTPN WORK FROM OFFICE MEDICAL EQUIPMENT FOR WORK FROM OFFICE ISOMAN (Self Isolation) • Split operations • Multivitamin, d
Slide 36: Support for employees and families
Support for employees and families Areas and distribution amounts are as follows (branch locations can Oxygen Concentrator be seen in the appendix) Assistance Region Unit for employees and families infected with COVID-19 In an effort to anticipate the scarcity of oxygen availability for COVID-19 pat
Slide 37: Update COVID-19
Update COVID-19 Mutual Cooperation Vaccines at the West Java branch offices Sukabumi Padjajaran Sumedang Cirebon Tasikmalaya
Slide 38: Update COVID-19
Update COVID-19 Mutual Cooperation Vaccines at Yogyakarta and Central Java branch offices Yogyakarta Surakarta Purwokerto Magelang
Slide 39: Update COVID-19
Update COVID-19 Mutual Cooperation Vaccines at the East Java branch offices Surabaya Malang Gresik Madiun Bojonegoro Situbondo Mojokerto Probolinggo Bangkalan
Slide 40: THANK YOU
THANK YOU bank e bt TD Asensence SMBC Group