Pt Bank Smbc Indonesia Tbk · IDX:BTPN
Pt Bank Smbc Indonesia Tbk — Q1 2026 Earnings Presentation
51 slides from Pt Bank Smbc Indonesia Tbk's earnings presentation, Jun 15, 2026
Slide 1: Analyst Briefing 1Q 2026 - Bank SMBC Indonesia
Analyst Brie fing 1Q 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 250 Trillion • Fitch Ratings: ‘AAA(idn)’; Stable Outlook Corporate Ratings • Pefindo: ‘idAAA’; Stable Outlook Extensive Network • SMBC Indonesia: 207** * According to POJK number 12/POJK.03/2021 regarding Commercial Banks, Payment Points are excluded from the
Slide 4: 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 31 March 2026 3 Henoch Munandar Jun Saito Michellina Laksmi Dini Herdini President Director Deputy President Director Triwardhany Compliance Director Deputy President Director YukiTerayama ‘Atsushi Hino Merisa Darwis Hanna Tantani Director Director Director Director SMBC smb
Slide 6: Board of Commissioners
Chow Ying Hoong Takeshi Kimoto Ninik Herlani M. Ridhwan President Commissioner Commissioner Independent Commissioner Onny Widjanarko Kusumaningtuti Marita Alisjahbana Independent Sandriharmy Soetiono Independent Commissioner 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 ̴ 247.4k communities, • Listed as PT BTPN Syariah Tbk on 8 May 2018 ̴ 3.77 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” M) sendit
Slide 13: Jenius registered users across Indonesia
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 293k followers 506.4M Smart Million Views 146k page l
Slide 14: Registered Users
̴ Registered Users 5.9 6.3 6.3 In million 5.2 Twitter X logo PNG For Free Download 4.4 3.6 3.1 2.3 1.2 2018 2019 2020 2021 2022 2023 2024 2025 Mar-26
Slide 15: New Foreign Currency: Lira; Vouchers
New Foreign Currency: Lira We now have our 11th foreign currency: Lira. Enjoy Turkey without worrying about conversion rates! Simply buy Lira from your Jenius App, link it to your m-Card, and spend seamlessly while you are there. Enjoy Good Deals with Voucher More ways to make the most of your Yay P
Slide 16: Safer Online Payment Confirmation; SAR currency
Easier & Safer Way to Confirm Online Payments Doing online transaction in your favourite e-commerce or other online platforms with Jenius debit and credit cards are now safer and faster as now you do not need wait and copy OTP codes sent by SMS. Simply log in to your Jenius app and confirm each onli
Slide 17: Jenius campaigns February-March 2026
February 2026 March 2026 This year Ramadan Campaign, Jenius launched a Jenius from SMBC Indonesia officially launched the ‘Jenius campaign called "Made In Ramadan". The concept Jelajah Jepang’ program, designed to help users (Teman is still continuing the resolution campaign but Jenius) prepare for
Slide 18: Jenius Iftar gathering
The Jenius Iftar gathering was held on February 26, 2026, at TAMU, South Jakarta, attended by selected Key Opinion Leaders (KOLs). The event featured a special preview of the Jenius Jelajah Jepang program and provided an opportunity for networking, and engagement between Jenius and the invited KOLs
Slide 19: After Hours Economy
After Hours Economy How To Build Inco Beyond 9-5 Co.Create ON Vol. 13 was held on March 4, 2026, Jakarta, bringing together member of the Co.Create community for engaging discussion on side hustles . The session featured Muhamad Fikri, Rauf Raphanus, and Samanta Elsener shared about how activities b
Slide 20: Chevening interview mentorship
Mentorship dan Simulasi 101 Strategi Persiapan Interview Chevening Date: Saturday, 21st February 2026 Fromat: Hybrid (Offline & Online) Partner: British Embassy Jakarta This activity is a regular mentorship session organized by the Chevening Alumni Association Indonesia (Chev Buddy) as a part of a s
Slide 21: Jenius Jelajah Jepang media gathering
Mentorship dan Simulasi 101 Strategi Persiapan Interview Chevening Date: Tuesday, 3rd March 2026 Time: 16.00 – 19.00 WIB Fromat: Media Gathering Venue: Keyaki Restaurant, Pan Pacific Jakarta Media Attendance: 31 national media This activity is a press event to announce Jenius Jelajah Jepang, an onli
Slide 22: Primary Bonds and Bancassurance in Jenius
Primary Bonds Primary Bonds Bancassurance ORI029 in Jenius SR024 in Jenius Guardia Indcome Assurance (26 Jan – 19 Feb 2026) 6 Mar – 15 Apr 2026 (19 – 31 Mar 2026)
Slide 23: 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 (Overdraft, Financing untuk Solution expansion Term memudahkan SMEs (under indivi
Slide 24: Business Banking TouchBiz
Business Banking TOUCcHBIZ Holistic Solution to Support Business Growth 5 9 Easy to Use Complete Free of Charge Manage your funds real-time Comprehensive information of No admin Fee, Free Transaction fee for anywhere at anytime, through your accounts and loans in one SKN & BI-FAST, special rate for
Slide 25: TouchBiz features for individual customers
Business Banking % ToucHoz Smart Application for Individual Needs TOUCHBIZ Apps Features for Individual Customer RN Rai Narajiwa Informasi Rekening (J Online Registration PR Transfer: Immediate, Recurring, Scheduled Methods: SMBCI/Online/SKN/RTGS/BI-Fast ea GIRO & Loans Information Lnat Detail > = P
Slide 26: touchbiz.smbci.com
https://touchbiz.smbci.com
Slide 27: Business gatherings with BPR and customers
“Sinergi Bank SMBC “Sinergi Bank SMBC Fiscal Facilities for “Sinergi Bank SMBC “Cerdas Hadapi Aturan Indonesia bersama BPR” Indonesia bersama BPR” Foreign Direct Indonesia bersama BPR” Pajak 2026” Investment Business gathering with Business gathering Business gathering Business gathering Business ga
Slide 28: UVP 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 29: Empowerment Programs for Customers
Empowerment Programs for Customers CBD Japanese and DAYA Initiatives: The collaboration between CBJ and the Daya team for this customer empowerment program was attended by employees of PT SJS as part of a strategic initiative to raise awareness of the Daya program among customers. The requested semi
Slide 30: Social and green loans provided
▪ SMBC Indonesia provided Social Loan for a Non-Bank Financial Institution that ▪ SMBC Indonesia provided Social Loan for a Non-Bank Financial focuses on affordable housing. Institution that focuses on socioeconomic advancement and ▪ SMBC Indonesia provided Green Loan for a solar panel leasing compa
Slide 31: The Asset Triple A Awards
Q1 - 2026 2024 - 2025 The Asset Triple A Awards – The Asset Triple A Awards – 1 2025 Best Green Loan Best Syndicated Loan Shipping The Asset Triple A Awards – The Asset Triple A Awards – 2 2024 Best Green Loan Indonesia Best Issuer for Sustainable Finance & Best Sustainability The Asset Triple A Awa
Slide 32: DAYA empowerment program with insurance company
January, 30th 2026, DAYA SMBC Indonesia collaborated with The Wholesale Banking Group and DAYA initiated an one of the largest insurance company in Indonesia attended by empowerment program for its customers by providing them 117 participants sharing about leadership training a with the with an oppo
Slide 33: 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 and B
Slide 34: Strengthen Corporate Responsibilities
Strengthen Corporate Responsibilities OTO-SOF consistently carried out sustainable social and environmental activities through its cooking oil donation program. Integrated into the Company’s monthly Car Free Day activities, this program aimed to encourage environmental awareness while delivering tan
Slide 35: Expanding Presence through Events
Expanding Presence through Events OTO strengthened its brand activation initiatives by hosting the “Sobat OTO Appreciation” event, dedicated to recognizing the valuable contributions of our national used car dealer partners to the Company’s success. In celebrating the Holy Month of Ramadan 1447 Hijr
Slide 36: Banking Industry Overview
Banking Industry Overview 3Q 2024 Financial Performance CSR & Awards
Slide 37: Indonesia Banking Industry Financial Summary
Loan and Deposit YoY growth Indonesia Banking Industry Financial Summary Loan Deposit 13.8% 11.4% 13.2% IDR trillion Feb'25 Dec'25 Feb'26 ∆YoY 10.4% 9.0% 10.4% 9.7% Total Assets 12,492 13,646 13,776 10.3% 9.4% 4.5% Total Loans 7,825 8,586 8,559 9.4% 3.7% Customer Deposits 8,926 10,058 10,102 13.2% C
Slide 38: 1Q 2026 Financial Performance
Banking Industry Overview 1Q 2026 Financial Performance CSR & Awards
Slide 39: 1Q 2026 financial highlights
❑ On a consolidated basis, total assets grew 4.1% to IDR250 trillion as of end of March 2026 ❑ Loans recorded at Rp191.8 trillion, up by 2.0% yoy compared to Rp188.1 trillion last year, contributed by corporate and commercial (4.1% yoy), Jenius (12.0% yoy), OTO Group (5.0% yoy), and BTPN Syariah (3.
Slide 40: Balance Sheet
Balance Sheet Mar'25 Dec'25 Mar'26 ∆QoQ ∆YoY (IDR billion) (Unaudited) (Audited) (Unaudited) Liquid Assets 39,653 51,732 48,442 -6% 22% Loans (gross) 188,090 185,388 191,782 3% 2% Total Assets 240,117 245,848 250,019 2% 4% CASA 41,936 53,223 58,952 11% 41% TD 75,441 77,778 74,825 -4% -1% Total Custo
Slide 41: Income Statement
Income Statement 1Q'25 4Q'25 1Q'26 ∆QoQ ∆YoY (IDR billion) Net Interest Income 4,055 3,975 3,999 1% -1% Other Operating Income 536 707 502 -29% -6% Operating Income 4,590 4,682 4,501 -4% -2% Operating Expense (2,503) (2,567) (2,552) -1% 2% Pre-Provision Operating Profit 2,087 2,115 1,949 -8% -7% Cos
Slide 42: Key Ratios
Mar'25 Dec'25 Mar'26 Ratios (%) ∆QoQ ∆YoY (Unaudited) (Audited) (Unaudited) NIM 7.17 7.02 6.89 (0.13) (0.28) NSFR 118.44 122.96 122.71 (0.25) 4.27 LCR 295.53 229.42 260.24 30.81 (35.30) Loan to Funding 106.76 100.66 102.71 2.05 (4.05) NPL (gross) 2.39 2.59 3.10 0.51 0.71 ROA 1.36 0.12 1.27 1.15 (0.0
Slide 43: Customer Deposits Composition
Customer Deposits Mar'25 Dec'25 Mar'26 ∆QoQ ∆YoY (IDR billion) (Unaudited) (Audited) (Unaudited) CASA 41,936 53,223 58,952 11% 41% CUSTOMER DEPOSITS COMPOSITION Current Account 19,528 28,854 32,821 14% 68% Rp trillion Savings 22,409 24,369 26,131 7% 17% CASA Time Deposits 75,441 77,778 74,825 -4% -1
Slide 44: Loan by segment
Loan Mar'25 Dec'25 Mar'26 ∆QoQ ∆YoY (IDR billion) (Unaudited) (Audited) (Unaudited) Total Loan 188,090 185,388 191,782 3% 2% Transforming Businesses: 23,649 21,802 21,027 -4% -11% - Retail Lending 21,634 20,119 19,383 -4% -10% - Micro 2,015 1,683 1,645 -2% -18% Growing Businesses: 164,328 163,465 17
Slide 45: Asset Quality
Asset Quality Gross NPL Composition by Segment Rp trillion 4.48 5.17 4.76 5.91 Mar'25 Dec'25 Mar26 % (Unaudited) (Audited) (Unaudited) Gross NPL 2.39 2.59 3.10 Net NPL 1.13 0.85 0.82 Gross Cost of Credit 2.92 4.52 2.47 Loan Loss Provision/NPL 128.65 150.57 125.09 Loan by Collectability (% of Total L
Slide 46: CSR & Awards
Banking Industry Overview 3Q 2024 Financial Performance CSR & Awards
Slide 47: 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 Personal Capacity Financial Literacy Development High net-worth Large Corporation Financial Mana
Slide 48: Sustainable Finance portfolio and SDGs
SMBC Indonesia This financing supports the Sustainable Development Goals: successfully increases its Sustainable Finance portfolio Sustainable Development In the first quarter of 2026, SMBC Indonesia’s total Sustainable Goals (SDGs) Finance portfolio was recorded at Number 1 Number 2 Number 6 Number
Slide 49: 9th Infobank Satisfaction, Loyalty, and Engagement 2026
9th Infobank Satisfaction, Loyalty, and Engagement 2026 Jenius from SMBC Indonesia received the “9th Infobank Satisfaction, Loyalty, and Engagement 2026” awards from Infobank Magazine. This event was held to appreciate banks with the best service in maintaining customer satisfaction and loyalty. The
Slide 50: The Asset Triple A Sustainable Finance Awards 2026
The Asset Triple A Sustainable Finance Awards 2026 Through the support of SMBC's global network, SMBC Indonesia strengthened Both transactions were recognized in the Best Deals category at this event, its position as a strategic partner in sustainable finance after winning the Best reflecting SMBC I
Slide 51: Thank You
Thank You & SMBC
PT Bank SMBC Indonesia — Q1 2026 Earnings Presentation on 6ix