Pt Bank Smbc Indonesia Tbk · IDX:BTPN
Pt Bank Smbc Indonesia Tbk — Q3 2025 Earnings Presentation
63 slides from Pt Bank Smbc Indonesia Tbk's earnings presentation, 2025
Slide 1: Analyst Briefing 3Q 2025
Analyst Brie fing 3Q 202 BANK SMBC INDONESIA smbci.com
Slide 2: Agenda
About SMBC Indonesia Banking Industry Overview 3Q 2024 Financial Performance CSR & Awards
Slide 3: SMBC Indonesia at a glance
32 Provinces & 200 Cities Total Aset IDR 234.5 Trillion • Fitch Ratings: ‘AAA(idn)’; Stable Outlook Corporate Ratings • Pefindo: ‘idAAA’; Stable Outlook Extensive Network • SMBC Indonesia: 228** * According to POJK number 12/POJK.03/2021 regarding Commercial Banks, Payment Points are excluded from t
Slide 4: PT Bank SMBC Indonesia Tbk Shareholders
PT Bank SMBC Indonesia Tbk Nominal Percentage Number of Shares Shareholders (in IDR million) Sumitomo Mitsui Banking 91.05% 9,692,826,975 193,857 Corporation PT Bank Central Asia Tbk* 1.03% 109,742,058 2,195 PT Bank Negara Indonesia (Persero) 0.11% 12,007,137 240 Tbk** Public 7.81% 831,369,578 16,62
Slide 5: Board of Directors
Board of Directors as of 30 September 2025 Henoch Munandar Jun Saito Michellina Laksmi Dini Herdini President Director Deputy President Director Triwardhany Compliance Director Deputy President Director YukiTerayama Hanna Tantani Director Director Director Director & SMBC smbci.com BANK SMBC INDONES
Slide 6: Board of Commissioners
Chow Ying Hoong Takeshi Kimoto Ninik Herlani M. Ridhwan President Commissioner Commissioner Independent Commissioner Marita Alisjahbana Onny Widjanarko Kusumaningtuti Independent Commissioner Independent Sandriharmy Soetiono Commissioner Independent Commissioner
Slide 7: Corporate values
Customer First Proactive & Innovative Speed & Quality Integrity Synergy Always look at it from As a professional, Collaborate as one the customers’ point Step up and Differentiate ourselves always act with team of view to provide relentlessly through the speed and sincerity and a high additional val
Slide 8: Further Growth Drivers
Enhance, synergize & expand the business to provide full-banking services, capitalizing digitalization and SMBC group's capabilities Further Growth Drivers Corporate Individual SMBC G's capabilities Deepening ➢ Enhance products /service by digitalization and leveraging SMBC Large corporate High-net-
Slide 9: BTPN Syariah profile
• Established in 2010 as BTPN Sharia Unit; massive roll-out in 2011 • Spin-off as PT BTPN Syariah on 14 July 2014 Serving ̴ 7 mn customers, Coverage ̴ 260.0k communities, • Listed as PT BTPN Syariah Tbk on 8 May 2018 ̴ 3.80 mn active in ̴ 2,650 sub-disctrics • Changed name into PT Bank BTPN Syariah
Slide 10: SMBC Indonesia Business Activities
SMBC Indonesia Business Activities Banking Industry Overview 3Q 2024 Financial Performance CSR & Awards
Slide 11: Retail Banking Group
Retail Banking Group Acceptance International Strong online & offline Include Retail Lending Business, Wealth Management Banking, Digital Banking market presence with Global Access and advanced payment Acceptability systems Value Digital Proposition Banking Hassle Convenience Execution Strategy Inte
Slide 12: Jenius
Jenius About smbci.com A Simpler, Smarter, and Safer Way to Manage Your Life & Finance, Simply from Your Smartphone © Jentus Key Features Simpler Life "Life finance solutions that help digital savvy to manage their life and finance to achieve their dreams and aspiration through innovation” ") sendit
Slide 13: Jenius registered users
Simple More than 6.3 million Jenius registered users • Your life finance access in one touch spread in 38 provinces across Indonesia • Manage your life finance in 3 easy steps • Saving, payment, transactions, investment connected all in one place 291k followers 385M Smart Million Views 146k page lik
Slide 14: Twitter X logo PNG For Free Download
̴ Twitter X logo PNG For Free Download
Slide 15: Jenius new features
Pay More Billers from Jenius We are adding more biller merchants so paying bills becomes even more convenient. Now we have government services (such as tax payment, e-tilang, passport, SBN), more credit cards, and various games vouchers or top up. Scan QR Abroad is available in Jenius! Peace of mind
Slide 16: Jenius rewards and app experience
Manage and Enjoy All Rewards Easily From checking Green Club Benefits, monitor Yay Points, tracking cash back in Cash Cow, to enjoying the available offers – everything can be done from one page – Rewards Kamu. New Experience on the Jenius App Jenius has unveiled a refreshed app interface to deliver
Slide 17: Jenius anniversary campaign
August 2025: Anniversary Campaign September 2025: Hari Pelanggan Nasional On its 9th anniversary, Jenius wants to honor the Still within anniversary theme, Jenius prolong the achievements of innovation that continue to grow activity up till Hari Pelanggan Nasional by giving alongside its users. It’s
Slide 18: Jenius customer events
In This Economy? #LariBarengJenius Bersama Agus Prayogo Finansial Aman Walau Dunia Tidak Sejalan The Side Story from the Pro, How Agus Prayogo Defines Introduce more of our capabilities and role as a digital Running and Living the Life banking on how we look up to today's economic condition. 5 – 6 J
Slide 19: Jenius community activities
#LariBarengJenius: Menelusuri Makna Lari dari Kacamata Revamp Jenius App Evaluation Komunitas On Jenius' anniversary, we present the new look of Jenius app. Before we Simplicity in the Lifestyle of a “Great Runner” launch it, we do a focus group discussion with our Co.Creators to gain feedback 12 –
Slide 20: Jenius Bisniskit and Co.Creators event
Nonton Bareng Co.Creators Bisnis Lebih Mudah dengan Jenius Bisniskit Movie: Tinggal Meninggal As part of the Selendang Mayang event—where small businesses (UMKM) will showcase and sell their products—many Co.Creators involved are also small This movie night is held exclusively for Co.Creators as par
Slide 21: Money Language Season 2 launch
The Launch of Money Language Season 2 Aktifin Growing Mindset, Maksimalin Main Character Energy! Many modern workers today are stuck in survival mode, not because they are lazy, but because of systemic challenges and low financial literacy. Main character and growing mindset: this combination shifts
Slide 22: Money Language podcast
Money Language is an educational talk in a form of a video-podcast that focused on unraveling how individuals perceive, manage, spend, and treat money, with the aim of understanding how their financial behavior reflects on their way of life and provides insights into their self-perception. https://w
Slide 23: Money Language Season 2 Volume 3
SEASON 2, VOLUME 3 Studying overseas sounds like a dream but how do you actually make it happen, especially financially? In this episode, we sit down with Waitatiri, a former tech marketer who took a leap to study at Harvard, to talk about the realities behind international education. From preparing
Slide 24: Mutual Funds Program
Mutual Funds Program to Mutual Funds Program Secondary Bonds Program Celebrate Jenius Anniversary 1 – 30 September 2025 1 – 30 September 2025 1 1 – 31 August 2025
Slide 25: Government bonds offerings
Government Bonds series FR0108 (4 Aug 2025) Primary Bonds SR023 (22 Aug – 15 Sep 2025) Government Bonds series FR0109 (19 Aug 2025) Primary Bonds ORI018 (29 Sep – 23 Oct 2025)
Slide 26: SME business model
Business Model UVP Target Market Financial Solution Access to Market Simple-flexible-fast Open access to the financial services: market: Access to marketing • Loan products • Supply Chain Financial and business network (PRK, PB, Financing untuk Solution expansion PAB/Investme memudahkan SMEs (under
Slide 27: Designed for Corporate Needs
Complete Features for Easy Company Management A Simple Touch For Your Business Multi-Layer Transaction Set Limits According to Needs Transaction approval flow that can be Ease of setting daily transaction limits up to 10 adjusted according to the Company's Billion online function and needs. Soft-Tok
Slide 28: Entrepreneur Financial Fiesta
ENTREPRENEUR FINANCIAL FIESTA Jakarta, 8 Juli 2025 Topic: “Perluasan Pembiayaan Bagi Wirausaha UMKM/Startup Berbasis Ekosistem” In corporation with Kementrian UMKM Republik Indonesia Participants : 50+ invites
Slide 29: Corporate/Wholesale Banking products and services
Corporate/Wholesale Banking Group includes Corporate/Wholesale Banking, Commercial Banking, Transactional Banking, Supply Chain Financing and Wholesale Funding UVP Products and Services Robust capabilities Unique business Hedging Products (*): Funding Products: Loan Products: and knowledge • IRS/CCS
Slide 30: Empowerment Programs for Customers
Empowerment Programs for Customers CBD Japanese and DAYA Initiatives: • Seminar and Webinar Program Focus to business, healthy lifestyle, self-development, and finance. • Joint Efforts in 3Q 2025: 3 Empowerment Mini Seminars for Japanese corporate customers Event Details: 1. Trading Company • Partic
Slide 31: Embracing Health, Social, and Brand Pillars
Embracing Health, Social, and Brand Pillars As we look back on July – September 2025, OTO-SOF proudly reflects on a series of impactful events centered around our three core pillars: Health, Social, and Brand Activation. These initiatives have not only fostered a sense of community and well-being am
Slide 32: Fostering Wellness Through Sports Activities
Fostering Wellness Through Sports Activities At OTO SOF, we recognize that the well being of our employees is the utmost importance. To promote a healthier lifestyle, we organized a variety of sports from monthly Car Free Day session, weekly Zumba, Futsal, Badminton, Table Tennis, Yoga session, Bask
Slide 33: Strengthen Corporate Responsibilities
Strengthen Corporate Responsibilities In this period, our dedication to social responsibilities was prominently showcased during Financial Literacy activities through the Community and Social Medias. These event was a celebration lifelong learning spirit as we delivered into monthly Financial Litera
Slide 34: Expanding Presence through Events
Expanding Presence through Events In the realm of brand activation, OTO-SOF made significant strides by organizing impactful gatherings and training program. We proudly hosted the Sobat OTO Appreciation Night for our national used car dealers, a dedicated event to recognize their pivotal contributio
Slide 35: Banking Industry Overview
Banking Industry Overview 3Q 2024 Financial Performance CSR & Awards
Slide 36: Indonesia Banking Industry Financial Summary
Loan and Deposit YoY growth Indonesia Banking Industry Financial Summary Loan Deposit 11.4% 10.4% IDR trillion Jun'24 Dec'24 Jun'25 ∆YoY 10.4% 9.0% 7.8% Total Assets 12,048 12,461 12,823 6.4% 7.0% 4.5% Total Loans 7,478 7,827 8,060 7.8% 3.7% Customer Deposits 8,722 8,837 9,329 7.0% CASA 5,487 5,602
Slide 37: 3Q 2025 Financial Performance
Banking Industry Overview 3Q 2025 Financial Performance CSR & Awards
Slide 38: 3Q 2025 results highlights
❑ 3Q 2025 consolidated financial result has taken into account the financial performance of OTO Group. (Note: The consolidated P/L for same period last year includes P/L of the OTO Group from Jul-Sep24. The acquisition of the OTO Group was completed by the end of March 2024). ❑ On a consolidated bas
Slide 39: Balance Sheet
Sep'24 Dec'24 Jun'25 Sep'25 Balance Sheet (IDR billion) ∆QoQ ∆YoY (Unaudited) (Audited) (Unaudited) (Unaudited) Liquid Assets 43,345 51,652 39,129 38,032 -3% -12% Loans (gross) 175,101 179,405 185,040 186,223 1% 6% Total Assets 228,584 241,096 234,353 234,499 0% 3% CASA 38,047 45,590 43,725 50,596 1
Slide 40: Income Statement
Income Statement (IDR billion) 9M'24 2Q'25 1H'25 3Q'25 9M'25 ∆QoQ ∆YoY Net Interest Income 10,983 3,970 8,025 3,912 11,937 -1% 9% Other Operating Income 1,425 569 1,104 715 1,820 26% 28% Operating Income 12,408 4,539 9,129 4,627 13,757 2% 11% Operating Expense (6,721) (2,468) (4,971) (2,530) (7,502)
Slide 41: Key ratios
Sep'24 Dec'24 Jun'25 Sep'25 Ratios (%) ∆QoQ ∆YoY (Unaudited) (Audited) (Unaudited) (Unaudited) NIM 6.82 7.10 7.12 7.09 (0.03) 0.26 NSFR 119.38 125.02 118.89 119.91 1.02 0.53 LCR 225.70 253.71 248.20 277.83 29.64 52.14 Loan to Funding 105.34 100.99 107.93 108.55 0.62 3.21 NPL (gross) 2.16 2.50 3.16 2
Slide 42: Customer Deposits Composition
Customer Deposits Sep'24 Dec'24 Sep'25 ∆YoY (IDR billion) (Unaudited) (Audited) (Audited) CUSTOMER DEPOSITS COMPOSITION CASA 38,047 45,590 50,596 33% Rp trillion Current Account 19,980 25,585 29,062 45% CASA 37.6% Savings 18,067 20,004 21,533 19% 42.0% Ratio 33.6% Time Deposits 75,349 75,728 69,739
Slide 43: Loan Growth
Sep'24 Dec'24 Jun'25 Sep'25 Loan Growth (IDR billion) ∆QoQ ∆YoY (Unaudited) (Audited) (Unaudited) (Unaudited) Total Loan 175,101 179,405 185,040 186,223 1% 6% Transforming Businesses: 23,753 23,807 23,262 22,655 -3% -5% - Retail Lending 22,012 21,980 21,322 20,800 -2% -6% - Micro 1,741 1,827 1,940 1
Slide 44: Asset Quality
Asset Quality Gross NPL Composition by Segment Rp trillion 3.76 4.45 5.81 5.17 % Sep-24 Dec-24 Sep-25 Gross NPL 2.16 2.50 2.79 Net NPL 0.88 1.07 1.58 Gross Cost of Credit 2.25 2.37 3.05 Loan Loss Provision/NPL 253.25 247.64 201.31 Loan by Collectability (% of Total Loan) Sep-24 Dec-24 Jun-25 Sep-25
Slide 45: CSR & Awards
Banking Industry Overview 3Q 2024 Financial Performance CSR & Awards
Slide 46: Daya
The embodiment of SMBC Indonesia's commitment to continuously improve the Daya capacity of its customers by providing opportunities for growth and a more meaningful life. Customer Segment Program Pillars Financial Literacy Self-Capacity Development High net-worth Large Corporation Financial Manageme
Slide 47: Sustainable Finance portfolio and SDGs
SMBC Indonesia This financing supports the Sustainable Development Goals: successfully increases its Sustainable Finance portfolio Sustainable Development In the third quarter of 2025, SMBC Indonesia successfully increased Goals (SDGs) its Sustainable Finance portfolio by It is a global action plan
Slide 48: PR INDONESIA Awards (PRIA) 2025
PR INDONESIA Awards (PRIA) 2025 Jenius from SMBC Indonesia has received two awards at the “PR INDONESIA Awards (PRIA) 2025”. The event is dedicated to appreciate public relations’ performance in ministries, institutions, regional governments, national and multinational private companies, State-Owned
Slide 49: Indonesia Regulatory Compliance Awards 2025
Indonesia Regulatory Compliance Awards 2025 SMBC Indonesia has received the highest award at the “Indonesia Regulatory Compliance Awards 2025” held by Hukumonline on Friday (09/05) in Jakarta. This prestigious award event is dedicated to the companies and company leaders for their accomplishments, a
Slide 50: 500 Most Outstanding Women 2025
500 Most Outstanding Women 2025 The Board of Directors and Commissioner of PT Bank SMBC Indonesia Tbk (“SMBC Indonesia”) have been included in the “500 Most Outstanding Women 2025” list from Infobank Magazine April 2025 Edition. The award is dedicated to the female leaders for their significant cont
Slide 51: Bank Service Excellence Monitor 2025
Bank Service Excellence Monitor 2025 Jenius from SMBC Indonesia has earned rankings across eight Jenius from SMBC Indonesia achieved rankings in the following categories in the “Bank Service Excellence Monitor (BSEM) 2025”. categories: This ranking is based on a study conducted by Marketing Research
Slide 52: 1st Indonesia Operations Banking Summit 2025
1st Indonesia Operations Banking Summit (IOBS) 2025 SMBC Indonesia has received two awards in the “1st Indonesia Operations Banking Summit (IOBS) 2025”. The award, which was organized by Forum for Communications of Banking Operations Director (FKDOP), is dedicated to appreciate talented bankers in o
Slide 53: ASABRI Payment Partner Award 2025
ASABRI Payment Partner Award 2025 SMBC Indonesia has obtained the 2025 Payment Partner award from PT ASABRI (Persero). The event is designed to appreciate ASABRI's payment partners for their cooperation and good performance throughout 2024. SMBC Indonesia received an award in the “Excellence in Cust
Slide 54: CXtraordinary Tech Executive Award 2025
CXtraordinary Tech Executive Award 2025 Head of Information Technology of SMBC Indonesia Jeny Mustopha has received the “CXtraordinary Tech Executive Award 2025”. This event, which was organized by Marketing Magazine in collaboration with Carre CX, a leading customer experience consultancy, is dedic
Slide 55: HR Asia Awards 2025
HR Asia Awards 2025 SMBC Indonesia has received awards in the “HR Asia Awards 2025”. This award, which was organized by HR Asia and Business Media International (BMI), is dedicated to appreciate the companies in Asia that have successfully implemented excellent human resource management practices, c
Slide 56: HR Excellence Award 2025
HR Excellence Award 2025 SMBC Indonesia has received three awards in the “HR Excellence This achievement was attained due to the implementation of the Award 2025”. SMBC Indonesia received this award for two Employee Value Proposition (EVP) in employer branding activities, which consecutive years. fo
Slide 57: Customer Engagement Excellence Awards Indonesia 2025
Customer Engagement Excellence Awards Indonesia 2025 Jenius from SMBC Indonesia has received the “Customer Engagement Excellence Awards Indonesia 2025” from MoEngage. The award is dedicated to appreciate companies that have successfully increased customer engagement and satisfaction. Jenius from SMB
Slide 58: Rating Bank Infobank 2025 Version
Rating 105 Bank Infobank 2025 Version SMBC Indonesia has received “Excellent” predicate in “Rating 105 Banks Infobank Version 2025“ from Infobank Magazine August 2025 edition. This predicate is based on a study conducted by Infobank Research Bureau on the performance of 105 commercial banks in Indon
Slide 59: Fortune Indonesia 100
Fortune Indonesia 100 SMBC Indonesia has received the “Fortune Indonesia 100” award. The award is dedicated to appreciate and recognize the biggest 100 companies in Indonesia based on revenue. This year, SMBC Indonesia ranked 53rd on the Fortune Indonesia 100 list, up from 56th rank in the previous
Slide 60: 16th IICD Corporate Governance Conference and Award
The 16th IICD Corporate Governance Conference and Award SMBC Indonesia has received “The 16th IICD Corporate Governance Conference and Award” from Indonesian Institute for Corporate Directorship (IICD). The award is dedicated to appreciate companies that have successfully implemented Good Corporate
Slide 61: Bisnis Indonesia Financial Awards 2025
Bisnis Indonesia Financial Awards 2025 SMBC Indonesia has received the “Bisnis Indonesia Financial Awards 2025”. The award is dedicated to appreciate financial services companies in the banking, insurance, and multifinance sector that have successfully demonstrated excellent and consistent performan
Slide 62: Issuers Appreciation Night 2025
Issuers Appreciation Night 2025 SMBC Indonesia”) has received the “Issuers Appreciation Night 2025” award from Tempo Media Group and IDNFinancials. The award is dedicated to appreciate public companies listed in the Index Tempo- IDNFinancials52 for their success in achieving positive performance in
Slide 63: Thank You
Thank You & SMBC
PT Bank SMBC Indonesia — Q3 2025 Earnings Presentation on 6ix