Pt Bank Smbc Indonesia Tbk · IDX:BTPN
Pt Bank Smbc Indonesia Tbk — H1 2022 Earnings Presentation
50 slides from Pt Bank Smbc Indonesia Tbk's earnings presentation, 2022
Slide 1: 1H 2022 Results Update
1H 2022 Results Update
Slide 2: Agenda
About BTPN BTPN Business Activities Banking Industry Overview 1H 2022 Financial Performance CSR & Awards COVID-19 Update at BTPN
Slide 3: Bank BTPN Profile (Consolidated)
Bank BTPN Profile (Consolidated) as of 30 June 2022 1.808 outlets* 32 Provinces & 213 Cities * According to POJK number 12/POJK.03/2021 regarding Commercial Banks, Payment Points are excluded from the details of the office network. Total Total IDR 195.5 trillion 19,373 (76% Female) Assets Employees
Slide 4: Shareholders
Shareholders as of 30 June 2022 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 5.27%
Slide 5: Board of Commissioners
Board of Commissioners as of 30 June 2022 Chow Ying Hoong Takeshi Kimoto Ninik Herlani M. Ridhwan President Commissioner Commissioner Independent Commissioner Irwan M. Habsjah Edmund Tondobala Ongki Wanadjati Dana Independent Independent Commissioner Commissioner Commissioner
Slide 6: Board of Directors
Board of Directors as of 30 June 2022 Kaoru Furuya Darmadi Sutanto Dini Herdini Henoch Munandar Caretaker of President Director/ Deputy President Director Compliance Director Director Deputy President Director Hiromichi Kubo Kan Funakoshi Merisa Darwis Hanna Tantani Director Director Director Direct
Slide 7: Bank BTPN’s Values
Bank BTPN’s Values Customer First Proactive & Innovative Speed & Quality Integrity Synergy Always look at it from Step up and Differentiate ourselves As a professional, Collaborate as one the customers’ point relentlessly innovate through the speed and always act with team of view to provide quality
Slide 8: SMBC G's capabilities
SMBC G's capabilities ➢ Cross- Digitalization sell ➢ • SME • •
Slide 9: BTPN Syariah Profile
BTPN Syariah Profile as of 30 June 2022
Slide 10: Agenda
About BTPN BTPN Business Activities Banking Industry Overview 1H 2022 Financial Performance CSR & Awards COVID-19 Update at BTPN
Slide 11: 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 12: Jenius: Value Proposition and Key Features
TA en bouttang Retail Banking Jenius: Value Proposition and Key Features A Simpler, Smarter, and Safer Way to Manager Your Life and Finance, Simply from Your Smartphone Mutual Funds Investment Jenius Pay Moneytory Split Pay
Slide 13: Jenius: Simple, Smart, Safe
TA en bouttang Retail Banking Jenius: Simple, Smart, Safe More than 4.0 million Jenius registered users spread in 34 provinces across Indonesia 213k ollowers 236 Million Views 111k page likes 30.7k followers 15.2+Mn installs, 4.1 rating 82.2k 1.7Mn installs, 4.4 rating followers
Slide 14: Jenius: Registered Customers
JEN TIUSentang Bahasa Indonesia RetailRegistered Banking Customers continue to increase to ~3.664.171 Jenius: Registered Customers continue to increase to ~3.995 million 236 Mn YouTube views REGISTERED CUSTOMERS In Thousand 3.995 3.664 3.786 82.2 K 3.056 followers 2.397 15.2 Mn+ 111K installs 1.212
Slide 15: Jenius: New Innovations & Updates Introduced
Retail Banking Jenius: New Innovations & Updates Introduced NEW FEATURE & ENHANCEMENT Moneytory Enhancement Now, Moneytory has main categories and specific categories for more detailed records of income or expenses. Users can have more detailed and neat cash flow information with Jenius. Jenius Co.C
Slide 16: Jenius: New Innovations & Updates Introduced
Retail Banking Jenius: New Innovations & Updates Introduced MARKETING CAMPAIGN & PROJECT Jenius Expansion Jenius Booth is now available in Balikpapan (Pentacity Mall and E-Walk) and Samarinda (Central Plaza and Big Mall). Jenius would like to encourage the digital savvy communities in Balikpapan and
Slide 17: Jenius: New Innovations & Updates Introduced
Retail Banking Jenius: New Innovations & Updates Introduced MARKETING CAMPAIGN & PROJECT PUNDI Jenius 2.0 - Ceremonial Jenius from Bank BTPN held a ceremonial event to give prizes to the winners of the 'PUNDI Jenius' program, a lucky draw program for all customers who have an active account on the J
Slide 18: Jenius: New Innovations & Updates Introduced
Retail Banking Jenius: New Innovations & Updates Introduced MARKETING CAMPAIGN & PROJECT #langkahkecilhariini everywhere with Jenius Wherever you go, there's always Jenius to help you plan and create exciting experiences. Through this campaign, Jenius wants to communicate the features that can help
Slide 19: Jenius: Co.Create Activity
Retail Banking JeniusActivity Jenius: Co.Create Co.Create Activity Q4 Focus Group Discussion Focus Group Discussion For Gamification For Moneytory Celebrate Your Small Wins With Co.Create
Slide 20: Jenius: Co.Create Activity
Retail Banking JeniusActivity Jenius: Co.Create Co.Create Activity Q4
Slide 21: Wealth Management Business – Health Privileges
Retail Retail Banking Banking Wealth Management Business – Health Privileges Wealth Management Business (Additional Bancasurance Product/Oct 2021)
Slide 22: Wealth Management Business - Webinar
Retail Retail Banking Banking Wealth Management Business - Webinar Wealth Management Business (Additional Bancasurance Product/Oct 2021)
Slide 23: Wealth Management Business - Webinar
Retail Retail Banking Banking Wealth Management Business - Webinar Wealth Management Business (Additional Bancasurance Product/Oct 2021) Webinar: 19 & 21 April 2022 Webinar with Treasury
Slide 24: Wealth Management Business - Webinar
Retail Retail Banking Banking Wealth Management Business - Webinar Wealth Management Business (Additional Bancasurance Product/Oct 2021)
Slide 25: 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 26: Business Banking: Non-Financial Solutions
Business Banking NFS or Non-Financial Solutions is one of the beyond banking proposition which is offered to SME Customers. The objective of this initiative is to support the SMEs with business insights and knowledge that could benefit them in making new business opportunities and help their busines
Slide 27: Corporate Banking
Corporate Banking 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 business
Slide 28: Corporate Business Department and DAYA
CORPRATE Corporate BUSINESS DEPARMENT Banking CBD Japanese and Daya CBD DAYA CBD Japanese and DAYA continuously hold empowerment programs for customers. In the 1st Half of 2022, CBD Japanese and DAYA joint effort, conducted 4 (four) Online Empowerment Mini Seminar program for Japanese corporate cu
Slide 29: Corporate Banking: Wholesale Banking Group
Corporate Banking Wholesale Banking Group 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 during this pandemic period through series of webinar events with topics ranging from busine
Slide 30: Green Banking: New Way to Next Level Banking
Green Banking: New Way to Next Level Banking Example: Bank BTPN together 1)Wind Power Plant in with its parent company Sidrap: Indonesia's first SMBC received three Translating Global 'Wind Farm' with a awards from The Asset Strategies into Local capacity of 75 MW Triple A Infrastructure Initiatives
Slide 31: Agenda
About BTPN BTPN Business Activities Banking Industry Overview 1H 2022 Financial Performance CSR & Awards COVID-19 Update at BTPN
Slide 32: Banking Industry
Banking Industry Gradual revival of the bank intermediation function continues Indonesia Banking Industry Financial Summary Loan and Deposit YoY growth Deposit (YoY) IDR trillion Mar'21 Dec'21 Mar'22 ∆YoY 10.0% 9.5% 9.5% Total Assets 9,276 10,112 10,131 9.2% 6.7% Total Loans 5,496 5,769 5,863 6.7% 8
Slide 33: Agenda
About BTPN BTPN Business Activities Banking Industry Overview 1H 2022 Financial Performance CSR & Awards COVID-19 Update at BTPN
Slide 34: Financial Performance - Consolidated: 1H'22 Key Highlights
Financial Performance - Consolidated 1H’22 Key Highlights • Total Assets increased by 11% YoY to Rp195.5 trillion, from Rp 175.9 trillion. • The Bank recorded Rp149.3 trillion in outstanding loans as of June’22, up by 10.1% year-on- year (YoY) from Rp135.6 trillion booked a year ago, with growth bus
Slide 35: Financial Performance - Consolidated
Financial Performance - Consolidated Jun'21 Dec'21 Mar'22 Jun'22 Balance Sheet (IDR billion) ∆QoQ ∆YoY (Unaudited) (Audited) (Unaudited) (Unaudited) Liquid Assets 32,994 49,477 42,543 37,053 -13% 12% Loans (gross) 135,565 135,599 142,366 149,255 5% 10% Total Assets 175,929 191,918 192,378 195,467 2%
Slide 36: Financial Performance - Consolidated
Financial Performance - Consolidated Income Statement (IDR billion) 1H'21 1Q'22 2Q'22 1H'22 ∆QoQ ∆YoY Net Interest Income 5,588 2,848 2,876 5,725 1% 2% Other Operating Income 960 467 537 1,004 15% 5% Operating Income 6,548 3,315 3,414 6,729 3% 3% Operating Expense (3,444) (1,749) (1,756) (3,505) 0%
Slide 37: Key Financial Ratios - Consolidated
Key Financial Ratios - Consolidated Jun'21 Dec'21 Mar'22 Jun'22 Ratios (%) ∆QoQ ∆YoY (Unaudited) (Audited) (Unaudited) (Unaudited) NIM 6.76 6.56 6.40 6.34 (0.06) (0.42) NSFR 116.09 126.60 117.94 121.30 3.36 5.21 LCR 237.84 187.26 203.47 181.28 (22.19) (56.56) Loan to Funding 98.46 89.29 94.36 98.00
Slide 38: Deposits Growth
Deposits Growth CUSTOMER DEPOSITS COMPOSITION Customer Deposits Jun'21 Dec'21 Jun'22 ∆QoQ ∆YoY Rp trillion 38% (IDR billion) (Unaudited) (Audited) Unaudited) 35% CASA 28,285 37,877 38,925 5% 38% CASA 29% Ratio Current Account 15,941 25,923 25,689 4% 61% 109.4 Savings 12,344 11,955 13,236 8% 7% 103.2
Slide 39: Loan Growth by Segment
Loan Growth by Segment Jun'21 Dec'21 Mar'22 Jun'22 Loan Growth (IDR billion) ∆QoQ ∆YoY (Unaudited) (Audited) (Unaudited) (Unaudited) Total Loan 135,565 135,599 142,366 149,255 5% 10% Mature Businesses : 30,527 27,732 26,737 25,739 -4% -16% - Retail Lending 29,941 27,364 26,432 25,481 -4% -15% - Micr
Slide 40: Asset Quality
Asset Quality Asset Quality Gross NPL by Segment %6.62 % Jun-21 Dec-21 Jun-22 6.02 5.56 Gross NPL 1.46 1.68 1.35 4.57 2.54 2.38 Net NPL 0.58 0.37 0.36 1.23 1.33 Gross Cost of Credit 1.04 1.58 1.05 1.10 0.74 0.73 Loan Loss Provision/NPL 170.84 173.46 190.14 0.65 Jun '21 Sep '21 Dec '21 Mar '22 Jun '2
Slide 41: Loan Restructuring
Loan Restructuring as of 30 June 2022 Restructured Loan Proportion to Total Loan end of June 2022 4.8% 7.9% 5.9% 10.0% 2% 23.6% 23.3% 25.2% 13% 1% 3% IDR 8.7T 54% 95.2% 90.0% 92.1% 94.1% 27% 76.4% 76.7% 74.8% Corporate SME Corporate SME Consumer Micro BTPN Syariah Commercial Total Loan Consumer Fina
Slide 42: Agenda
About BTPN BTPN Business Activities Banking Industry Overview 1H 2022 Financial Performance CSR & Awards COVID-19 Update at BTPN
Slide 43: Daya
The embodiment of Bank BTPN's commitment to continuously Daya improve the capacity of its customers by providing opportunities for growth and a more meaningful life. Customer Segment Program Pillars Financial Self-Capacity Literacy Development High net-worth Large Corporation Digital Access: Medical
Slide 44: Sustainable Finance
Sustainable Finance Bank BTPN has It supports Sustainable succeeded in managing 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 Total environmentally friendly fina
Slide 45: 2022 Awards
2022 Awards The Iconomics: 3rd Indonesia’s 11th Infobank Digital Brand Majalah Investor: Green and Most Popular Digital Financial Award 2022 Platinum Category of Corporate Brands Award 2022 Emission Transparency 2022 Bank BTPN received two awards, namely (Millennial‘s Choice) the 4-Star TOP CSR Awar
Slide 46: 2022 Awards
2022 Awards Majalah TOPBUSINESS: 4-Star Indonesian Institute for TOP CSR Awards 2022 and Corporate Directorship – The TOP Leader on CSR 13th IICD Corporate Commitment 2022 Governance Award 2022 Bank BTPN received two awards, namely The award is given to publicly listed the 4-Star TOP CSR Awards and
Slide 47: 2022 Awards
2022 Awards Mitra BUMN Champion 2022: Best Creditor Partner 1 - National Private Category (BTPN Bank) and Best Creditor Partner 1 - Global Private Category (SMBC) Bank BTPN and SMBC obtained 2022 Champion BUMN Partner Appreciation awards from the Ministry of State-Owned Enterprises (SOEs). The event
Slide 48: Agenda
About BTPN BTPN Business Activities Banking Industry Overview 1H 2022 Financial Performance CSR & Awards COVID-19 Update at BTPN
Slide 49: COVID-19 Handling at BTPN
COVID-19 Handling at BTPN • • • •
Slide 50: Thank You
THANK YOU bank e bt TD Asensezcr SMBC Group
PT Bank SMBC Indonesia Tbk (Bank BTPN) — H1 2022 Earnings Presentation on 6ix