PT Bank SMBC Indonesia Tbk · IDX:BTPN
PT Bank SMBC Indonesia Tbk — 1H 2025 Earnings Presentation
54 slides from PT Bank SMBC Indonesia Tbk's earnings presentation, Aug 29, 2025
Slide 1: Analyst Briefing 1H 2025
Analyst Brie fing 1H 202 smbci.com
Slide 2: About SMBC Indonesia, Banking Industry Overview, Financial Performance, CSR & Awards
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 234.4 Trillion • Fitch Ratings: ‘AAA(idn)’; Stable Outlook Corporate Ratings • Pefindo: ‘idAAA’; Stable Outlook Extensive Network • SMBC Indonesia: 235** * 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 June 2025 Henoch Munandar Jun Saito Michellina Laksmi Dini Herdini President Director Deputy President Director Triwardhany Compliance Director Deputy President Director Hanna Tantani YukiTerayama Director Director Director Director SMBC smbci.com BANK SMBC INDONESIA Atsh
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 ̴ 263.8k communities, • Listed as PT BTPN Syariah Tbk on 8 May 2018 ̴ 3.82 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 6.1 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 290k followers 380.2M Smart Million Views 114k page l
Slide 14: Twitter X logo PNG For Free Download
̴ Twitter X logo PNG For Free Download
Slide 15: Mandiri e-money Top-Up and Jenius Bisniskit
Mandiri e-money Top-Up Now Available on iOS too Mandiri e-money top-up is now available for all users on iOS and Android. No more worrying about low balance for transport, tolls, or parking while on the go.. Jenius Bisniskit: Your business solution Jenius Bisniskit is back and ready to support entre
Slide 16: New Redemption Partner: MyEraspace
New Redemption Partner: MyEraspace Yay Points now can be redeemed to MyEraspace Points that can be used in a variety of Erajaya stores such as iBox, GrandLucky, Erafone, and others. This addition provides more options for customers to redeem Yay Points in the Eat & Shop category.
Slide 17: Secondary Bonds and s-Card Launching
April 2025: Secondary Bonds Launching April 2025: s-Card Launching In Apr 2025, Jenius launched new investment Credit card launched additional card called s-Card product: Secondary Bonds. to make user easier manage to cash flow and With this type of investment, users allow to have a apply the card f
Slide 18: Green Club
May 2025: Green Club In May 2025, Jenius officially announced benefit programs called Green Club. User will be able to track in which club they belong and which program/ cashback they are eligible directly from Jenius application.
Slide 19: Customer event June 2025
Date: 28 June 2025 Time: 06.00 – 12.00 WIB Venue: Hotel Harper Cawang MT Haryono St No.6-7, Jatinegara, East Jakarta City Speakers: • Bpk Hendricus Eko (Product Presentation): Pengelolaan Keuangan Di Masa Pra Pensiun & Pensiun • Dian Indah Savitri (Certified Financial Planner tim Expert Daya.id) Pen
Slide 20: Sucor Cashback and Secondary Bonds Programs
Sucor Cashback Program Seconday Bonds Program 1 Jun – 31 Jul 2025 14 May – 30 Jun 2025
Slide 21: Primary Bonds Microsite
Primary Bonds Microsite Public Release in 16 May 2025 in conjunction Of SR022 (Sukuk Retail) offering
Slide 22: SME Business Model and Target Market
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 memudahkan SMEs (under individual PA
Slide 23: TOUCHBIZ: 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 24: Community Event SME banking solution
JAKARTA – Podomoro University ENTREPRENEUR FINANCIAL HUB 2025 28 May 2025 Community Event SMBC highlight SME banking solution and digital solution (TOUCHBIZ) Objective: Acquisition through community, get acquainted with potential SME customers Participants : 150 potential entrepreneur customer
Slide 25: 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 26: 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 2Q 2025: 3 Empowerment Mini Seminars for Japanese corporate customers Event Details: 1. Manufacturing Company •
Slide 27: Embracing Health, Social, and Brand Pillars
Embracing Health, Social, and Brand Pillars As we look back on April – June 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 among
Slide 28: 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, Baske
Slide 29: 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 Literac
Slide 30: Strengthen Corporate Responsibilities
Strengthen Corporate Responsibilities To enhance Corporate Responsibilities, OTO SOF held regular sustainable activities for social also for nature This year, our cooking oil donation program marks its three years journey and presenting huge celebration at SOF anniversary This program successfully m
Slide 31: Strengthen Corporate Responsibilities
Strengthen Corporate Responsibilities As part of our contribution to community development and education, OTO-SOF proudly supports the KKN Niskala Likupang 2025, a program by Universitas Gadjah Mada students in Likupang Timur, North Sulawesi. This collaboration aligns with OTO-SOF's values in foster
Slide 32: Expanding Presence through Events
Expanding Presence through Events In the realm of brand activation, OTO SOF made significant strides by celebrating The Holy Month Ramadhan 1446 Hijria that provided exposure for our brand to a wider audience The event was held by collaboration with PT Astra Honda Motor (PT Yamaha Indonesia Motor Mf
Slide 33: Banking Industry Overview
Banking Industry Overview 3Q 2024 Financial Performance CSR & Awards
Slide 34: Indonesia Banking Industry Financial Summary
Loan and Deposit YoY growth Indonesia Banking Industry Financial Summary 11.4% Loan Deposit 10.4% 10.4% IDR trillion Mei'24 Dec'24 Mei'25 ∆YoY 9.0% 7.8% Total Assets 11,921 12,461 12,661 6.2% 7.0% 4.5% Total Loans 7,376 7,827 7,998 8.4% 3.7% Customer Deposits 8,699 8,837 9,072 4.3% CASA 5,436 5,602
Slide 35: 1H 2025 Financial Performance
Banking Industry Overview 1H 2025 Financial Performance CSR & Awards
Slide 36: 1H 2025 consolidated financial result highlights
❑ 1H 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 Apr-Jun24. The acquisition of the OTO Group was completed by the end of March 2024). ❑ On a consolidated bas
Slide 37: Balance Sheet
Jun'24 Dec'24 Mar'25 Jun'25 Balance Sheet (IDR billion) ∆QoQ ∆YoY (Unaudited) (Audited) (Unaudited) (Unaudited) Liquid Assets 47,766 51,652 39,653 39,129 -1% -18% Loans (gross) 176,245 179,405 188,090 185,040 -2% 5% Total Assets 235,830 241,096 240,117 234,353 -2% -1% CASA 48,116 45,590 41,936 43,72
Slide 38: Income Statement
Income Statement (IDR billion) 1H'24 1Q'25 2Q'25 1H'25 ∆QoQ ∆YoY Net Interest Income 6,952 4,055 3,970 8,025 -2% 15% Other Operating Income 1,244 536 569 1,104 6% -11% Operating Income 8,196 4,590 4,539 9,129 -1% 11% Operating Expense (4,579) (2,503) (2,468) (4,971) -1% 9% Cost of Credit (1,703) (1,
Slide 39: Financial Ratios
Jun'24 Dec'24 Mar'25 Jun'25 Ratios (%) ∆QoQ ∆YoY (Unaudited) (Audited) (Unaudited) (Unaudited) NIM 6.41 7.10 7.17 7.12 (0.05) 0.71 NSFR 115.61 125.02 118.44 118.89 0.44 3.27 LCR 234.91 253.71 295.53 248.20 (47.34) 13.29 Loan to Funding 101.60 100.99 106.76 108.37 1.61 6.77 NPL (gross) 2.21 2.50 2.39
Slide 40: Customer Deposits Composition
Customer Deposits Jun'24 Dec'24 Jun'25 ∆YoY (IDR billion) (Unaudited) (Audited) (Audited) CUSTOMER DEPOSITS COMPOSITION CASA 48,116 45,590 43,725 -9% Rp trillion Current Account 29,871 25,585 21,517 -28% CASA 40.4% 39.8% 37.6% Savings 18,245 20,004 22,208 22% Ratio Time Deposits 70,872 75,728 66,093
Slide 41: Loan Growth
Jun'24 Dec'24 Mar'25 Jun'25 Loan Growth (IDR billion) ∆QoQ ∆YoY (Unaudited) (Audited) (Unaudited) (Unaudited) Total Loan 176,245 179,405 188,090 185,040 -2% 5% Transforming Businesses: 23,793 23,807 23,649 23,262 -2% -2% - Retail Lending 22,185 21,980 21,751 21,322 -2% -4% - Micro 1,608 1,827 1,898
Slide 42: Asset Quality
Asset Quality Gross NPL Composition by Segment Rp trillion 3.87 4.45 4.48 5.81 % Jun-24 Dec-24 Jun-25 Gross NPL 2.21 2.50 3.16 Net NPL 0.92 1.07 1.64 Gross Cost of Credit 2.09 2.37 2.94 Loan Loss Provision/NPL 154.11 247.64 103.94 Loan by Collectability (% of Total Loan) Jun-24 Dec-24 Mar-25 Jun-25
Slide 43: CSR & Awards
Banking Industry Overview 3Q 2024 Financial Performance CSR & Awards
Slide 44: 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 45: Sustainable Finance and SDGs
SMBC Indonesia This financing supports the Sustainable Development Goals: successfully increases its Sustainable Finance portfolio Sustainable Development In the second quarter of 2025, SMBC Indonesia successfully Goals (SDGs) increased its Sustainable Finance Number 1 Number 2 Number 6 Number 7 Num
Slide 46: 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 47: 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 48: 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 49: 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 50: 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 51: 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 52: 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 53: 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 54: Thank You
Thank You & SMBC
PT Bank SMBC Indonesia — 1H 2025 Earnings Presentation on 6ix