Pt Bank Smbc Indonesia Tbk · IDX:BTPN
Pt Bank Smbc Indonesia Tbk — Q4 2020 Earnings Presentation
31 slides from Pt Bank Smbc Indonesia Tbk's earnings presentation, 2021
Slide 1: 4Q 2020 Results Update
bank btpn 4Q 2020 Results Update
Slide 2: BTPN at Glance, Banking Industry Overview, Handling COVID-19
BTPN at Glance Banking Industry Overview Handling COVID-19 at BTPN 4Q 2020 Financial Performance
Slide 3: Bank BTPN Profile (Consolidated)
Bank BTPN Profile (Consolidated) as of December 2020 1.962 outlets 33 Provinces & 272 Cities In the midst of the challenging situation caused by the COVID-19 pandemic, BTPN can maintain bank’s fundamentals well. Capital, funding and liquidity remain strong Total Total IDR 183.2 trillion 19,370 (74%
Slide 4: Shareholders as of 31 December 2020
Shareholders as of 31December 2020 Shareholders Profile Shareholders Total Number of Ownership Bank BTPN Shareholders Percentages NATIONAL SHAREHOLDERS Shareholders Shares Percentage Indonesian individuals 2,188 18,358,385 0.23 Sumitomo Mitsui Banking 92.43% Pension fund 2 117,500 0.00 Corporation I
Slide 5: Board of Commissioners
Board of Commissioners Chow Ying Hoong Ninik Herlani Masli Ridhwan Takeshi Kimoto Irwan M. Habsjah Edmund Tondobala President Commissioner Independent Commissioner 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: 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 & Commercial Banking Pension mobile banking DAYA launch – SME business Treasury business launch for mass Empowerment pilot launch Retail Lending Business (Purna Bakti) market launch Platform 2008 2009 2010 2011 2012 2013 2014 201
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 3 million Jenius registered user spread in 34 provinces across Indonesia 185k followers 112.4 Million Views 109k page likes 8.4+Mn installs, 4.1 rating 1.1 Mn installs, 80.2k 4.2 rating followers
Slide 15: Digital Banking – BTPN Wow!
Digital Banking – BTPN Wow! Customers Agents million thousand 6.7 301 6.6 6.7 296 274 Dec ‘19 Sep ‘20 Dec ‘20 Dec ‘19 Sep ‘20 Dec ‘20 Active Transactions Customers million % 56 56 56 14.9 4.9 6.0 Dec ’19 Sep ‘20 Dec ‘20 FY’19 9M‘20 FY‘20
Slide 16: 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 Financial Literacy Health Check Service Digital Marketing Trainin
Slide 17: 2020 Awards
2020 Awards Forbes - The World’s Best Infobank Awards 2020 – Investor Magazine – Best IDX Channel – Indonesia Innovation Bank Rank #4 in Indonesia The Best Buku III Bank Buku III Bank in 2020 Award 2020 Sustainability Category Rank #4 for all banks Diamond Trophy Special award for daya.id receives t
Slide 18: BTPN Syariah Overview
BTPN Syariah Overview as of December 2020 Our Journey FY 2020 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 226k communities, • Listed as PT BTPN Syariah Tbk on 8 M
Slide 19: Banking Industry Overview
BTPN at Glance Banking Industry Overview Handling COVID-19 at BTPN 4Q 2020 Financial Performance
Slide 20: Banking Industry
Banking Industry COVID-19 affects loan growth, net profit and financial ratios Indonesia Banking Industry Financial Summary Slowing loan growth Deposit (YoY) 11.8% 11.1% IDR trillion Dec'19 Sep'20 Dec'20 ∆YoY Total Assets 8,563 9,062 9,178 7.2% 6.5% Total Loans 5,617 5,531 5,482 -2.4% 6.5% 6.1% Loan
Slide 21: Handling COVID-19 at BTPN
BTPN at Glance Banking Industry Overview Handling COVID-19 at BTPN 4Q 2020 Financial Performance
Slide 22: 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 23: 4Q 2020 Financial Performance
BTPN at Glance Banking Industry Overview Handling COVID-19 at BTPN 4Q 2020 Financial Performance
Slide 24: Financial Performance - Consolidated: 4Q20 Key Highlights
Financial Performance - Consolidated 4Q20 Key Highlights • Total assets reached IDR 183.2T. Total Loans decreased by 4% YoY, from mature businesses and businesses impacted by COVID-19, however corporate loans grew by 4% YoY. • The average balance of CASA increased by 16% YoY (with the equal contribu
Slide 25: Financial Performance - Consolidated: Balance Sheet
Financial Performance - Consolidated Dec'19 Mar'20 Jun'20 Sep'20 Dec'20 Balance Sheet (IDR billion) ∆QoQ ∆YoY (Audited) (Unaudited) (Unaudited) (Unaudited) (Audited) Liquid Assets 30,646 31,771 26,410 29,763 39,426 32% 29% Loans (gross) 141,760 157,011 150,475 148,812 136,213 -8% -4% Total Assets 18
Slide 26: Financial Performance - Consolidated: Income Statement
Financial Performance - Consolidated Income Statement (IDR billion) FY'19 1Q'20 2Q'20 3Q'20 4Q'20 FY'20 ∆QoQ ∆YoY Net Interest Income 10,992 2,923 2,466 2,542 2,693 10,624 6% -3% Other Operating Income 1,617 432 463 418 376 1,689 -10% 4% Operating Income 12,608 3,356 2,929 2,960 3,069 12,313 4% -2%
Slide 27: Key Financial Ratios - Consolidated
Key Financial Ratios - Consolidated Dec'19 Mar'20 Jun'20 Sep'20 Dec'20 Ratios (%) ∆QoQ ∆YoY (Audited) (Unaudited) (Unaudited) (Unaudited) (Audited) NIM 6.89 6.89 6.21 6.08 6.11 NSFR 113.04 115.86 116.56 113.13 115.34 LCR 229.14 212.45 221.96 246.45 281.70 Loan to Funding 97.20 97.41 100.97 99.29 93.
Slide 28: Loan Growth by Segment
Loan Growth by Segment Dec'19 Mar'20 Jun'20 Sep'20 Dec'20 Loan Growth (IDR billion) ∆QoQ ∆YoY (Audited) (Unaudited) (Unaudited) (Unaudited) (Audited) Total Loan 141,760 157,011 150,475 148,812 136,213 -8% -4% Mature Businesses : 37,222 36,284 35,237 34,171 33,013 -3% -11% - Retail Lending 35,611 34,
Slide 29: Asset Quality
Asset Quality Asset Quality Gross NPL by Segment % % Dec-19 Mar-20 Jun-20 Sep-20 Dec-20 6.50 3.30 4.39 Gross NPL 0.81 0.97 1.12 1.10 1.21 2.82 1.91 Net NPL 0.43 0.46 0.52 0.48 0.50 2.43 1.36 1.76 Gross Cost of Credit 1.04 1.14 1.64 1.74 1.89 0.73 0.73 0.72 0.17 Loan Loss Provision/NPL 127.30 134.32
Slide 30: Loan Restructuring as of 4Q 2020
Loan Restructuring as of 4Q 2020 Restructured Loan Proportion to Total Loan end of December 2020 1.8% 6.4% 25.9% 26.6% 21.0% 3% 16% 31.9% 60.6% 35% 98.2% 93.6% 74.1% 73.4% 79.0% IDR 8.7T 68.1% 39.4% 34% 6% 6% Corporate SME Consumer Finance Micro BTPN Syariah Commercial Non-Restructured Loan Restruct
Slide 31: Thank You
THANK YOU bank e bt TD Auensezcr SMBC Group
PT Bank SMBC Indonesia Tbk (Bank BTPN) — Q4 2020 Earnings Presentation on 6ix