Pt Bank Smbc Indonesia Tbk · IDX:BTPN
Pt Bank Smbc Indonesia Tbk — Q3 2022 Earnings Presentation
49 slides from Pt Bank Smbc Indonesia Tbk's earnings presentation, Dec 2, 2022
Slide 1: 3Q 2022 Results Update
3Q 2022 Results Update
Slide 2: Agenda
About BTPN BTPN Business Activities Banking Industry Overview 3Q 2022 Financial Performance CSR & Awards COVID-19 Update at BTPN
Slide 3: Bank BTPN Profile (Consolidated)
Bank BTPN Profile (Consolidated) as of 30 September 2022 1.801 outlets* 32 Provinces & 208 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 199.9 trillion 19,567 (76% Female) Assets Emplo
Slide 4: Shareholders
Shareholders as of 30 September 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
Slide 5: Board of Commissioners
Board of Commissioners as of 30 September 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 September 2022 Henoch Munandar Kaoru Furuya Darmadi Sutanto Dini Herdini President Director Deputy President Director Deputy President Director Compliance Director Hiromichi Kubo Kan Funakoshi Merisa Darwis Hanna Tantani Director Director Director Director
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: Goal: To become a Top-Class Full Service Financial solution provider
Goal: To become a Top-Class Full Service Financial solution provider 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 /se
Slide 9: BTPN Syariah Profile
BTPN Syariah Profile as of 30 September2022
Slide 10: Agenda
About BTPN BTPN Business Activities Banking Industry Overview 3Q 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
Retail Banking TA en bouttang 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
Retail Banking TA en bouttang Jenius: Simple, Smart, Safe More than 4.2 million Jenius registered users spread in 34 provinces across Indonesia 216k ollowers 226 Million Views 112k page likes 30.7k followers 17.2+Mn installs, 4.1 rating 82.6k 1.9Mn installs, 4.4 rating followers
Slide 14: Jenius: Registered Customers
RetailRegistered Banking JEN TIUSentang Bahasa Indonesia Customers continue to increase to ~3.664.171 Jenius: Registered Customers continue to increase to ~4.214 million 226 Mn YouTube views REGISTERED CUSTOMERS In Thousand 82.6 K followers 112K 17.2 Mn+ page likes installs 216K followers 1.9 Mn+ in
Slide 15: Jenius: New Innovations & Updates
Retail Banking Jenius: New Innovations & Updates NEW FEATURE & ENHANCEMENT Online Qurban Through Jenius Jenius always wants to accompany you in every season and condition, including in sacrificial worship (qurban). For this reason, Jenius has prepared 18 options for offering qurban as the result of
Slide 16: Jenius: New Innovations & Updates - Marketing Campaign
Retail Banking Jenius: New Innovations & Updates MARKETING CAMPAIGN & PROJECT Traveling Story Competition #langkahkecilhariini Jenius conducted traveling story competition on Instagram and Twitter with a prize trip to Singapore. Participants are asked to submit stories about their experiences or pla
Slide 17: Jenius 6th Anniversary
Retail Banking Jenius: New Innovations & Updates MARKETING CAMPAIGN & PROJECT Jenius 6th Anniversary To celebrate the 6th anniversary, Jenius presents various reward programs and innovation that help users in managing cash flow. The reward programs are PUNDI Jenius for the third period and the #Flex
Slide 18: Jenius: Awards
Retail Banking Jenius: New Innovations & Updates AWARDS The Best Contact Center Indonesia 2022 Jenius won a silver medal at The Best Contact Center Indonesia 2022 event in the Digital Media category. In this competition, Jenius shared a digital education campaign to educate the digital savvy communi
Slide 19: Wealth Management Business
Retail Retail Banking Banking Wealth Management Business Wealth Management Business (Additional Bancasurance Product/Oct 2021) Government Bond Mutual Fund Product Launched partnership with BNP Paribas Asset Management Government Bonds in Secondary Market : Indonesia, started with 5 mutual funds (3 i
Slide 20: Business Banking
Business Banking Business Banking Group includes SME and Consumer Finance Business Business Model UVP Consumer Finance Products Access to Financial marketing and FINANCIAL SOLUTION ACCESS TO MARKET Solution business network expansion Simple – flexible – fast Open access to the financial services: ma
Slide 21: 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 22: Digital SME: TOUCHBIZ
Business Banking Digital SME: Ease Your Banking Activities with TOUCHBIZ Promo berlangsung dari Februari – Desember 2022 LIVE 22 July 2022 AUGUST 2022
Slide 23: 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 24: Corporate Banking CBD Japanese and Daya
CORPRATE Corporate BUSINESS DEPARMENT Banking CBD Japanese and Daya CBD DAYA The relationship between BTPN and the Customer is built on trust. Empowerment programs are elements that integrate with our business model. In all products and activities, we always strive to create opportunities for grow
Slide 25: 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 26: Wholesale Banking Group - Sustainability Seminar
Corporate Banking Wholesale Banking Group – Sustainability Seminar Bank BTPN, in collaboration with International Financial Corporation (“IFC”), initiated a sustainability seminar entitled “Pathway to Net Zero Economy” on 27 September 2022 through online means. This webinar was held for BTPN’s exist
Slide 27: 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 28: Agenda
About BTPN BTPN Business Activities Banking Industry Overview 3Q 2022 Financial Performance CSR & Awards COVID-19 Update at BTPN
Slide 29: Banking Industry
Banking Industry Loan outstanding inched up by +10.7% YoY in 1H22, the highest growth since the pandemic began, boosted by stronger economic growth Indonesia Banking Industry Financial Summary Loan and Deposit YoY growth Deposit (YoY) IDR trillion Jul'21 Dec'21 Jul'22 ∆YoY 11.3% 10.7% 7.9% Total Ass
Slide 30: Agenda
About BTPN BTPN Business Activities Banking Industry Overview 3Q 2022 Financial Performance CSR & Awards COVID-19 Update at BTPN
Slide 31: Financial Performance - Consolidated: 3Q'22 Key Highlights
Financial Performance - Consolidated 3Q’22 Key Highlights • Total Assets increased by 9% YoY to Rp199.9 trillion, from Rp 183.0 trillion. • The Bank recorded Rp155.4 trillion in outstanding loans as of Sep’22, up by 12.9% year-on- year (YoY) from Rp137.7 trillion booked a year ago, with growth busin
Slide 32: Financial Performance - Consolidated (Balance Sheet)
Financial Performance - Consolidated Sep'21 Dec'21 Mar'22 Jun'22 Sep'22 Balance Sheet (IDR billion) ∆QoQ ∆YoY (Unaudited) (Audited) (Unaudited) (Unaudited) (Unaudited) Liquid Assets 37,525 49,477 42,543 37,053 35,579 -4% -5% Loans (gross) 137,656 135,599 142,366 149,255 155,426 4% 13% Total Assets 1
Slide 33: Financial Performance - Consolidated (Income Statement)
Financial Performance - Consolidated FY'21 Income Statement (IDR billion) 9M'21 2Q'22 3Q'22 9M'22 ∆QoQ ∆YoY (Audited) Net Interest Income 8,310 11,143 2,877 2,944 8,669 2% 4% Other Operating Income 1,452 1,960 537 524 1,528 -2% 5% Operating Income 9,762 13,103 3,414 3,468 10,197 2% 4% Operating Expe
Slide 34: Key Financial Ratios - Consolidated
Key Financial Ratios - Consolidated Sep'21 Dec'21 Jun'22 Sep'22 Ratios (%) ∆QoQ ∆YoY (Unaudited) (Audited) (Unaudited) (Unaudited) NIM 6.63 6.56 6.34 6.36 0.02 (0.27) NSFR 114.68 126.60 121.30 123.05 1.75 8.37 LCR 224.71 187.26 181.28 194.42 13.14 (30.29) Loan to Funding 95.76 89.29 98.00 99.11 1.11
Slide 35: Deposits Growth
Deposits Growth CUSTOMER DEPOSITS COMPOSITION Customer Deposits Sep'21 Dec'21 Sep'22 ∆YoY Rp trillion 41% (IDR billion) (Unaudited) (Audited) (Unaudited) CASA 35,575 37,877 42,871 21% CASA 34% 35% Current Account 23,576 25,923 29,080 23% Ratio Savings 11,999 11,954 13,791 15% 109.4 103.2 103.9 Time
Slide 36: Loan Growth by Segment
Loan Growth by Segment Sep'21 Dec'21 Jun'22 Sep'22 Loan Growth (IDR billion) ∆QoQ ∆YoY (Unaudited) (Audited) (Unaudited) (Unaudited) Total Loan 137,656 135,599 149,255 155,426 4% 13% Mature Businesses : 29,100 27,732 25,739 24,901 -3% -14% - Retail Lending 28,632 27,364 25,481 24,681 -3% -14% - Micr
Slide 37: Asset Quality
Asset Quality Asset Quality Gross NPL Composition by Segment Rp trillion 2.15 2.28 2.00 2.18 % Sep-21 Dec-21 Sep-22 0.3% 0.2% 1% 1% 11% 11% 14% 12% Gross NPL 1.56 1.68 1.41 12% 11% 14% 1% 13% 2% 1% 8% Net NPL 0.46 0.37 0.38 29% 31% 30% 29% Gross Cost of Credit 1.59 1.58 1.20 0.2% 1% 10% 0.3% 15% 9%
Slide 38: COVID-19 Restructured Loan
COVID-19 Restructured Loan as of September 2022 Restructured Loan Proportion to Total Loan end of September 2022 4.5% 8.6% 6.1% 5.3% 20.2% 18.6% 16.7% 3% 12% 1% 3% IDR 8.2T 56% 95.5% 93.9% 94.7% 26% 83.3% 91.4% 79.8% 81.4% Corporate SME Corporate SME Consumer Micro BTPN Syariah Commercial Total Loan
Slide 39: Agenda
About BTPN BTPN Business Activities Banking Industry Overview 3Q 2022 Financial Performance CSR & Awards COVID-19 Update at BTPN
Slide 40: Daya
Daya The embodiment of Bank BTPN's commitment to continuously 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 41: 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 42: 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 43: 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 44: 2022 Awards
2022 Awards Majalah Infobank: 1st Rank of KBMI 3 Bank with asset 150-200T This rating is given to 107 banks based on the bank’s performance in 2020-2021 from the published financial statements. This assessment criteria refers to the risk profile, GCG, profitability, capital, efficiency, and growth.
Slide 45: 2022 Awards
2022 Awards Contact Center World - Asia Pacific 2022: Gold medal – Best Contact Center Executive (Leader); Gold medal – Employee engagement; Bronze medal – Trainer; Runner Up (Rank 4) – Contact Center Medium Scale Bank BTPN has obtained four awards at the Contact Center World Asia Pacific, an annual
Slide 46: 2022 Awards
2022 Awards Indonesia Contact Center Association (ICCA): Top 10 in the Best Contact Center Indonesia Award Bank BTPN has obtained the top 10 position in the Best Contact Center Indonesia Award, which was organized by the Indonesia Contact Center Association (ICCA). Awards were presented to companies
Slide 47: Agenda
About BTPN BTPN Business Activities Banking Industry Overview 3Q 2022 Financial Performance CSR & Awards COVID-19 Update at BTPN
Slide 48: COVID-19 Handling at BTPN
COVID-19 Handling at BTPN COVID-19 Task Force led directly by President Director. High discipline on health protocol: • Mandatory to wear mask • %WFO: as per Government requirement (PPKM status) • WFO requirement at Menara BTPN: Pedulilindungi.id or vaccination status • Sanction for any violation Re
Slide 49: Thank You
THANK YOU bank n e bt TA MEMBER oF SMBC Group
PT Bank SMBC Indonesia Tbk (Bank BTPN) — Q3 2022 Earnings Presentation on 6ix