Pt Bank Smbc Indonesia Tbk · IDX:BTPN
Pt Bank Smbc Indonesia Tbk — 2Q 2020 Earnings Presentation
31 slides from Pt Bank Smbc Indonesia Tbk's earnings presentation, 2020
Slide 1: 2Q 2020 Results Update
bank btpn 2Q 2020 Results Update
Slide 2: Agenda
BTPN at Glance Banking Industry Overview Handling COVID-19 at BTPN 1H 2020 Financial Performance Closing Remarks
Slide 3: Bank BTPN Profile (Consolidated)
Bank BTPN Profile (Consolidated) as of June 2020 2.008 outlets 34 Provinces & 282 Cities In the midst of the challenging situation caused by the COVID-19 pandemic, BTPN can maintained bank’s fundamentals well. Capital, funding and liquidity ratios remain healthy. Total Total IDR 185.2 trillion 19,17
Slide 4: Shareholders as of June 2020
Shareholders as of 30 June 2020 Shareholders Profile Shareholders Total Number of Ownership Bank BTPN Shareholders Percentages NATIONAL SHAREHOLDERS Shareholders Shares Percentage Indonesian individuals 2,092 17,642,660 0.21 Sumitomo Mitsui Banking 92.43% Pension fund 2 117,500 0.00 Corporation Insu
Slide 5: Board of Commissioners
Board of Commissioners Chow Ying Hoong Ninik Herlani Masli Ridhwan Takeshi Kimoto Irwan M. Habsjah Deputy President Commissioner Independent Commissioner Commissioner Independent Commissioner Position of President Commissioner: Vacant Mari Elka Pangestu has submitted her resignation through an offic
Slide 6: Board of Directors
Board of Directors Ongki Wanadjati Dana Kazuhisa Miyagawa 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 Direct
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 & Middle Market Pension mobile banking DAYA launch – SME business Large SME/Commercial business launch for mass Empowerment pilot launch Treasury (Purna Bakti) market launch Retail Lending Business Platform 2008 2009 2010 2011
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: 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 13: Digital Banking - Jenius users
Digital Banking - More than 2.7 million Jenius registered user spread in 34 provinces across Indonesia 171k followers 81.1 Million Views 109k page likes 7.4+Mn installs, 4.1 rating 960k installs, 74.7k 4.2 rating followers
Slide 14: Digital Banking – BTPN Wow!
Digital Banking – BTPN Wow! Customers Agents million thousand 308 6.7 301 6.5 6.6 292 Jun ‘19 Dec ‘19 Jun ‘20 Jun ‘19 Dec ‘19 Jun ‘20 Active Transactions Customers million % 56 56 56 14.9 9.5 3.7 Jun ’19 Dec ‘19 Jun ‘20 6M’19 FY‘19 6M‘20
Slide 15: Daya empowerment program
bank Daya is the embodiment of BTPN’s commitment to sustainably improve the capacity of its customers by providing them with opportunities for growth and a meaningful life Costumer Segment Program Pilar EROS AMEMSER OF SMBC Group — > om Digital Access: ~~ | = a High net-worth Healthy barge Corporati
Slide 16: BTPN Syariah Overview
BTPN Syariah Overview as of June 2020 Customers Assets NPF • Established in 2010 as BTPN Sharia Unit; massive roll-out in 2011 • Spin-off as PT BTPN Syariah on 14 July 2014 Serving 5 mn customers, 15.3 trillion 1.8% • Listed as PT BTPN Syariah Tbk on 8 May 2018 3.75 mn active ROE ROA • Changed n
Slide 17: Agenda
BTPN at Glance Banking Industry Overview Handling COVID-19 at BTPN 1H 2020 Financial Performance Closing Remarks
Slide 18: Banking Industry
Banking Industry COVID-19 affects loan growth, deposit growth and financial ratios Banking Industry Financial Summary Slowing loan growth 11.8% IDR trillion May'19 Dec'19 May'20 ∆YTD ∆YoY 10.3% 11.1% Deposit (YoY) 8.9% Total Assets 8,133 8,563 8,615 0.6% 5.9% 6.5% Total Loans 5,419 5,617 5,586 -0.6%
Slide 19: Agenda
BTPN at Glance Banking Industry Overview Handling COVID-19 at BTPN 1H 2020 Financial Performance Closing Remarks
Slide 20: 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 21: Agenda
BTPN at Glance Banking Industry Overview Handling COVID-19 at BTPN 1H 2020 Financial Performance Closing Remarks
Slide 22: Financial Performance - Consolidated: 1H20 Key Highlights
Financial Performance - Consolidated 1H20 Key Highlights • Total assets reached IDR 185.2T. Total Loans increased by 5% YoY. • The average balance of CASA increased by 19% YoY (with the equal contribution from the Retail & Corporate segment). • Apart from Customer Deposits, Bank BTPN has long-term l
Slide 23: Financial Performance - Consolidated
Financial Performance - Consolidated Jun'19 Dec'19 Mar'20 Jun'20 Balance Sheet (IDR billion) ∆QoQ ∆YoY (Audited) (Audited) (Unudited) (Unaudited) Liquid Assets 30,892 30,646 31,771 26,410 -17% -15% Loans (gross) 143,355 141,760 157,011 150,475 -4% 5% Total Assets 186,691 181,631 199,670 185,191 -7%
Slide 24: Financial Performance - Consolidated
Financial Performance - Consolidated COVID-19 impacting banks’ 2Q results. BTPN’s YTD Jun’20 NPAT down by 10% YoY Operating income grew 4% YoY. Operating expenses grew 3% YoY. Cost of Credit increased in 2Q20, the total cost of credit during 1H20 increased by IDR469 billion YoY
Slide 25: Key Financial Ratios - Consolidated
Key Financial Ratios - Consolidated Jun'19 Dec'19 Mar'20 Jun'20 Ratios (%) ∆QoQ ∆YoY (Audited) (Audited) (Unaudited) (Unaudited) NIM 6.72 6.92 6.89 6.21 NSFR 106.94 113.04 115.86 116.56 LCR 247.81 229.14 212.45 221.96 Loan to Funding 95.35 97.20 97.41 100.97 NPL (gross) 0.81 0.81 0.97 1.12 ROA 2.18
Slide 26: Loan Growth by Segment
Loan Growth by Segment Jun'19 Dec'19 Mar'20 Jun'20 Loan Growth (IDR billion) ∆QoQ ∆YoY (Audited) (Audited) (Unaudited) (Unaudited) Total Loan 143,355 141,760 157,011 150,475 -4% 5% Mature Businesses : 39,391 37,222 36,284 35,237 -3% -11% - Retail Lending 37,105 35,611 34,907 34,036 -2% -8% - Micro 2
Slide 27: Asset Quality
Asset Quality Asset Quality Gross NPL by Segment % 8,21 % Jun-19 Dec-19 Mar-20 Jun-20 Gross NPL 0.81 0.81 0.97 1.12 5,32 4,01 4,41 Net NPL 0.41 0.43 0.46 0.52 2,97 Gross Cost of Credit 1.08 1.04 1.14 1.64 2,69 1,34 1,79 Loan Loss Provision/NPL 121.72 127.30 134.32 150.66 0,68 0,97 0,17 0,38 Jun '19
Slide 28: Loan Restructuring as of 1H 2020
Loan Restructuring as of 1H 2020 Restructured Loan Proportion to Total Loan as of 3 July 2020 0.3% 6.7% 21.5% 15.4% 3% 46.4% 27% 68.4% IDR 10.2T 99.7% 93.3% 59% 78.5% 84.6% 6% 6% 53.6% 31.6% Corporate SME Corporate SME Consumer Micro Syariah Total Loan Consumer Finance Micro Finance Syariah Non-Rest
Slide 29: Agenda
BTPN at Glance Banking Industry Overview Handling COVID-19 at BTPN 1H 2020 Financial Performance Closing Remarks
Slide 30: Closing Remarks
Closing Remarks • The COVID-19 situation and the post-restructuring credit quality are still a challenge in 2nd Half of 2020. • Our top priority is maintaining close relationships and supporting our clients and employees' health. • We support selective loan growth, continuing loan restructuring and
Slide 31: Thank You
THANK YOU bank e bt TD Auensezcr SMBC Group
PT Bank SMBC Indonesia Tbk (BTPN) — 2Q 2020 Earnings Presentation on 6ix