Pt Bank Smbc Indonesia Tbk · IDX:BTPN
Pt Bank Smbc Indonesia Tbk — PT Bank BTPN — Q1 2021 Earnings Presentation
34 slides from Pt Bank Smbc Indonesia Tbk's earnings presentation, 2021
Slide 1: 1Q 2021 Results Update
1Q 2021 Results Update
Slide 2: Agenda
About BTPN BTPN Business Activities Banking Industry Overview 1Q 2021 Financial Performance CSR & Awards Handling COVID-19 at BTPN
Slide 3: Bank BTPN Profile (Consolidated)
Bank BTPN Profile (Consolidated) As of March 2021 1.973 outlets 33 Provinces & 259 Cities Total Total IDR 174.2 trillion 19,402 (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 March 2021
Shareholders as of 31 March 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 Yasuhiro Daikoku* Merisa Darwis Hiromichi Kubo Hanna Tantani Director Director D
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
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 Overview
BTPN Syariah Overview as of March 2021 Our Journey 1Q 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 ∼231k communities, • Listed as PT BTPN Syariah Tbk on 8 May
Slide 11: Agenda
About BTPN BTPN Business Activities Banking Industry Overview 1Q 2021 Financial Performance CSR & Awards Handling COVID-19 at BTPN
Slide 12: Retail Banking
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 13: Retail Banking: Jenius Registered Customers
Retail Banking Jenius: Registered Customers continue to increase to ~3.2 million CUSTOMERS 128.4 Mn In Thousand YouTube views Registered 3,187 3,056 80.8 K followers 2,397 9 Mn+ installs 1,212 110 K page likes 1.2 Mn+ installs Dec'18 Dec'19 Dec'20 Mar'21 185K 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: Agenda
About BTPN BTPN Business Activities Banking Industry Overview 1Q 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) 11.6% IDR trillion Mar'20 Dec'20 Mar'21 ∆YoY 9.5 9.5% Total Assets 8,793 9,178 9,276 5.5% 7.2% 8.0% Total Loans 5,712 5,482 5,496 -3.8% Loan (YoY)
Slide 20: Agenda
About BTPN BTPN Business Activities Banking Industry Overview 1Q 2021 Financial Performance CSR & Awards Handling COVID-19 at BTPN
Slide 21: Financial Performance - Consolidated
Financial Performance - Consolidated 1Q’21 Key Highlights • Total Assets reached IDR 174.7T. Total Loan balance reached IDR 132.7T. • Customer Deposits continue to grow, up by 2% YoY, reaching almost IDR 99T. CASA avg. balance up by 12% YoY (IDR 2.9T, largely equally contributed by retail & corporat
Slide 22: Financial Performance - Consolidated
Financial Performance - Consolidated Mar'20 Dec'20 Mar'21 Balance Sheet (IDR billion) ∆QoQ ∆YoY (Unaudited) (Audited) (Unaudited) Liquid Assets 31,771 39,426 35,004 -11% 10% Loans (gross) 157,011 136,213 132,680 -3% -15% Total Assets 199,670 183,166 174,720 -5% -12% CASA 28,026 27,690 30,557 10% 9%
Slide 23: Financial Performance - Consolidated
Financial Performance - Consolidated Income Statement (IDR billion) 1Q'20 4Q'20 1Q'21 ∆QoQ ∆YoY Net Interest Income 2,914 2,693 2,785 3% -4% Other Operating Income 442 376 466 24% 6% Operating Income 3,356 3,069 3,251 6% -3% Operating Expense (1,777) (1,812) (1,697) -6% -5% Cost of Credit (411) (847
Slide 24: Key Financial Ratios - Consolidated
Key Financial Ratios - Consolidated c Mar'20 Dec'20 Mar'21 Ratios (%) ∆QoQ ∆YoY (Unaudited) (Audited) (Unaudited) NIM 6.89 6.11 6.75 0.64 (0.14) NSFR 115.86 115.34 115.59 0.25 (0.27) LCR 212.45 281.70 199.70 (82.00) (12.75) Loan to Funding 97.41 93.60 97.47 3.87 0.06 NPL (gross) 0.97 1.21 1.42 0.21
Slide 25: Deposits Growth
Deposits Growth Customer Deposits Mar'20 Dec'20 Mar'21 CUSTOMER DEPOSITS COMPOSITION (IDR billion) (Unaudited) (Audited) (Unaudited) ∆QoQ ∆YoY Rp trillion CASA 28,026 27,690 30,557 10% 9% 31% Current Account 17,584 15,761 18,730 19% 7% CASA 29% Ratio 27% Savings 10,441 11,929 11,827 -1% 13% Time Dep
Slide 26: Loan Growth by Segment
Loan Growth by Segment Mar'20 Dec'20 Mar'21 Loan Growth (IDR billion) ∆QoQ ∆YoY (Unaudited) (Audited) (Unaudited) Total Loan 157,011 136,213 132,680 -3% -15% Mature Businesses : 36,284 33,013 31,829 -4% -12% - Retail Lending 34,907 32,108 31,073 -3% -11% - Micro 1,377 905 756 -17% -45% Growth Busine
Slide 27: Asset Quality
Asset Quality Asset Quality Gross NPL by Segment % % Mar-20 Dec-20 Mar-21 6.55 4.07 5.05 Gross NPL 0.97 1.21 1.42 3.59 2.10 Net NPL 0.46 0.50 0.58 2.58 1.43 1.36 0.94 0.86 Gross Cost of Credit 1.14 1.89 0.49 0.76 0.38 Loan Loss Provision/NPL 134.32 208.79 174.50 Mar '20 Jun '20 Sep '20 Dec '20 Mar '
Slide 28: Loan Restructuring as of 1Q 2021
Loan Restructuring as of 1Q 2021 Restructured Loan Proportion to Total Loan end of March 2021 2.0% 1.4% 5.6% 26.3% 29.5% 20.6% 0.4% 20% 62.0% 27% 98.0% 98.6% 94.4% 79.4% IDR 7.4T 73.7% 70.5% 6% 38.0% 6% 40% Corporate SME Consumer Finance Micro BTPN Syariah Commercial Non-Restructured Loan Restructur
Slide 29: Agenda
About BTPN BTPN Business Activities Banking Industry Overview 1Q 2021 Financial Performance CSR & Awards Handling COVID-19 at BTPN
Slide 30: Daya Program
Daya Program Corporate Social Responsibility 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 Financial Literacy Health
Slide 31: 2021 Awards
2021 Awards Telkomsel D’FRONTRUNNER AWARDS Retail Banking Category Bank BTPN received an award from Telkomsel in their awarding program: D’FRONTRUNNER AWARDS “Thriving in an Uncertain World Through Transformation” This program aimed to support and accelerate business digital transformation. Bank BTP
Slide 32: Agenda
About BTPN BTPN Business Activities Banking Industry Overview 1Q 2021 Financial Performance CSR & Awards Handling COVID-19 at BTPN
Slide 33: 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 FLEXI
Slide 34: Thank You
THANK YOU bank e bt TD Asensence SMBC Group