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PUBLIC EXPOSE FY 2023 Performance
Page 2
About Bank BTPN Banking Industry Overview FY 2023 Financial Performance Bank BTPN Business Activities CSR & Awards
Page 3
Bank BTPN Profile (Consolidated)
as of 31 December 2023
1.836 outlets*
32 Provinces & 201 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 201.4 trillion 20,933 (79% Female)
Assets Employees
Corporate • Fitch Ratings: ‘AAA(idn)’; Stable Outlook Total ~9.5 million customers
Rating • Pefindo: ‘idAAA’; Stable Outlook Customers
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Shareholders
as of 31 December 2023
Bank BTPN Shareholders Percentages Number of Shares Nominal
(in IDR million)
Sumitomo Mitsui Banking 89.98% 7,332,311,297 146,646
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 7.72% 629,443,829 12,589
Treasury Stocks 1.13% 92,292,198 1,846
Total 100% 8,149,106,869 162,982
* Meets the provisions of PP No.29 of 1999 concerning Purchase of Commercial Bank Shares and is a
shares resulting from the conversion due to the Merger with PT Bank Sumitomo Mitsui Indonesia.
** Shares resulting from the conversion due to the Merger with PT Bank Sumitomo Mitsui Indonesia.
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Board of Commissioners as of 31 December 2023 Chow Ying Hoong Takeshi Kimoto Ninik Herlani M. Ridhwan President Commissioner Commissioner Independent Commissioner Onny Widjanarko Edmund Tondobala Ongki Wanadjati Dana Independent Independent Commissioner Commissioner Commissioner
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Board of Directors as of 31 December 2023 Henoch Munandar Kaoru Furuya Darmadi Sutanto Dini Herdini President Director Deputy President Director Deputy President Director Compliance Director Keishi Kobata Atshusi Hino Merisa Darwis Hanna Tantani Director Director Director Director
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Bank BTPN’s Value
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 of our decision- sincerity and a high
additional value making and service ethical standard.
delivery
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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 /service by
digitalization and leveraging SMBC
Large corporate High-net-worth group companies’ capabilities
Corp Japanese Wealth Management
Whole Sale
Cross- Digitalization
sell
Realize BTPN Group’s eco-system by
Scale-up Digitalization
Mid-sized corporate • Seamless products and services including
Large SME / Commercial
group companies’ services
Jenius • Effective customer acquisition channel
SME Consumer Finance • Pursue operational excellence
SME Middle-class
Micro business
owners productive Mass market
poor BTPN Syariah Inorganic strategy
for scale-up
SMBC ‘s Global Support Digital Banking
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BTPN Syariah Profile as of 31 December 2023
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About Bank BTPN Banking Industry Overview FY 2023 Financial Performance Bank BTPN Business Activities CSR & Awards
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Banking Industry
Loan outstanding increased by 10.4% YoY in Dec’23. Customer Deposits in Dec’23 recorded growth of 3.7% YoY
Indonesia Banking Industry Financial Summary Loan and Deposit YoY growth
IDR trillion Dec'22 Sep'23 Dec'23 ∆YoY 12.2%
11.4% 10.4%
Loan (YoY)
Total Assets 11,113 11,235 11,766 5.9%
Total Loans 6,424 6,837 7,090 10.4% 9.0%
3.7%
Customer Deposits 8,154 8,147 8,458 3.7% 5.2% Deposit (YoY)
CASA 5,161 5,048 5,332 3.3%
Dec'21 Dec'22 Dec'23
Current Accounts 2,546 2,472 2,663 4.6%
Savings 2,615 2,577 2,669 2.1% NIM & NPL
NIM (YoY)
Time Deposits 2,992 3,099 3,126 4.5%
4.6% 4.7% 4.8%
Net Profit 202 180 243 20.6%
LDR 78.8% 83.9% 83.8% 5.0%
3.0%
2.4% NPL (YoY) 2.2%
NIM 4.7% 4.9% 4.8% 0.1%
NPL 2.4% 2.4% 2.2% -0.3%
CAR 25.7% 27.3% 27.7% 2.0% Dec'21 Dec'22 Dec'23
Source: Indonesian Banking Statistics – December 2023, Indonesia Financial Services Authority (OJK)
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About Bank BTPN Banking Industry Overview FY 2023 Financial Performance Bank BTPN Business Activities CSR & Awards
Page 13
Financial Performance - Consolidated FY 2023 Key Highlights • Bank BTPN recorded IDR 156.6 trillion in outstanding loans as of December 2023, up by 7% year-on- year (yoy) from IDR 146.1 trillion booked a year ago, with growth business loan up by 9% (IDR 11.5 trillion), transforming business down by 4% (IDR 1.0 trillion). • CASA balance increased by 10% (yoy) related to Bank efforts to optimize the cost of funds. CASA Ratio increased to 40.8% as of December 2023 from 35.0% a year ago. While, Time Deposits decreased by 14% resulted the decreased in Customer Deposits by 6% (yoy) to IDR 108.2 trillion at the end of December 2023 from IDR 114.9 trillion at the end of December 2022. • Bank BTPN’s consolidated Operating Income increased 3% (yoy), mainly due to an increase in net interest income of IDR 366 billion, so that the Bank managed to record a PPOP (Pre-Provision Operating Profit) of IDR 6,511 billion. • Despite an increase in interest expense, mainly due to an increase in deposit interest related to the high interest rates era, the Bank managed to record a 3% yoy increase in net interest income to IDR 12.0 trillion from IDR 11.7 trillion, contributed by interest income from loans. So that NIM ratio was slightly higher at 6.46% from 6.32% on the same period last year. • Net profit after tax of Bank BTPN (Consolidated) attributable to owners of the parent entity as of the end of 2023 was recorded at IDR 2,358 billion, down 24% (yoy) from IDR 3,096 billion. This was mainly caused by the company's decision to book additional cost of credit by IDR 1,210 billion. The company added the cost of credit also as for the anticipation from the end of the POJK restructuring loan relaxation on 31 March 2024. • The Bank's total assets at the end of 2023 were recorded at IDR 201.4 trillion. • Gross NPL was at 1.36%, lower than the gross NPL ratio reported in the same period last year of 1.43%. • Healthy liquidity and funding ratios were maintained. As end of December 2023, LCR was recorded at 199.7% and NSFR at 113.8%. • CAR at very strong level at 29.90%.
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Financial Performance - Consolidated
Dec'22 Jun'23 Sep'23 Dec'23
Balance Sheet (IDR billion) ∆QoQ ∆YoY
(Audited) (Unaudited) (Audited) (Audited)
Liquid Assets 52,870 34,055 34,450 35,487 3% -33%
Loans (gross) 146,124 148,714 150,843 156,561 4% 7%
Total Assets 209,170 193,105 195,844 201,448 3% -4%
CASA 40,162 37,366 35,205 44,188 26% 10%
TD 74,705 69,983 73,379 64,011 -13% -14%
Total Customer Deposits 114,867 107,349 108,584 108,199 0% -6%
Borrowings & Subordinated Loan 48,391 38,964 39,529 45,299 15% -6%
Total Liabilities 169,757 152,808 154,819 160,165 3% -6%
Equity *) 39,413 40,297 41,025 41,283 1% 5%
* including non-controlling interests
Total Loan increased by 7% (yoy) to IDR 156.6 trillion. Total assets were recorded at IDR 201.4 trillion.
CASA balance increased by 10%, CASA Ratio increased to 40.8% in 2023 from 35.0% in 2022.
Customer Deposits reached IDR 108.2 trillion, decreased by 6% (yoy) mainly due to the decreased of TD balance by 14% (yoy).
Page 15
Financial Performance - Consolidated
FY'22 FY'23
Income Statement (IDR billion) 3Q'23 4Q'23 ∆QoQ ∆YoY
(Audited) (Audited)
Net Interest Income 11,678 3,041 3,048 12,044 0% 3%
Other Operating Income 2,013 492 577 2,073 17% 3%
Operating Income 13,691 3,534 3,625 14,118 3% 3%
Operating Expense (7,193) (1,878) (2,090) (7,607) 11% 6%
Cost of Credit (1,840) (740) (1,147) (3,050) 55% 66%
Profit Before Tax 4,657 906 390 3,458 -57% -26%
Net Profit After Tax 3,630 708 287 2,682 -59% -26%
Net Profit After Tax attributable to Owners
3,096 632 265 2,358 -58% -24%
of the Parent
Net Profit After Tax - BTPN Syariah 1,780 253 75 1,080 -70% -39%
Operating Income increased 3% (yoy), mainly due to an increase in net interest income, so that the Bank managed to record a PPOP of
IDR 6,511.
Bank BTPN’s FY 2023 Net Profit After Tax attributable to Owners of the Parent down by 24% (yoy). This was mainly caused by the company's
decision to book additional cost of credit by IDR 1,210 billion, which is also as for the anticipation from the end of the POJK restructuring loan
relaxation on 31 March 2024.
Page 16
Financial Performance - Consolidated
Dec'22 Jun'23 Sep'23 Dec'23
Ratios (%) ∆QoQ ∆YoY
(Audited) (Unaudited) (Audited) (Audited)
NIM 6.32 6.33 6.44 6.45 0.02 0.13
NSFR 133.72 123.99 120.31 113.79 (6.52) (19.93)
LCR 229.30 223.31 210.80 199.68 (11.12) (29.62)
Loan to Funding 89.50 101.64 101.84 102.00 0.15 12.49
NPL (gross) 1.43 1.39 1.47 1.36 (0.11) (0.07)
ROA 2.36 2.14 2.05 1.73 (0.32) (0.63)
ROE 9.15 8.20 7.78 6.54 (1.25) (2.61)
CAR 27.29 29.77 29.78 29.90 0.12 2.61
NIM ratio at 6.45%, increased compared to the same period last year.
LCR and NSFR were at healthy levels, LCR was recorded at 199.68% and NSFR 113.79% as end of December 2023.
Gross NPL 1.36%, lower than the gross NPL ratio reported in the same period last year of 1.43%.
CAR was recorded at 29.90%, proportion of core capital is 89% of total capital.
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Deposits Growth
CUSTOMER DEPOSITS COMPOSITION
Rp trillion Customer Deposits Dec'22 Sep'23 Dec'23
40.8% ∆YoY
(IDR billion) (Audited) (Audited) (Audited)
CASA 35.0% CASA 40,162 35,205 44,188 10%
Ratio 32.4% Current Account 23,766 21,097 26,629 12%
Savings 16,396 14,108 17,559 7%
114.9
108.6 108.2 Time Deposits 74,705 73,379 64,011 -14%
14% Total Customer Deposits 114,867 108,584 108,199 -6%
13% 16%
21% 19% CASA balance increased by 10% YoY. CASA ratio increased to
25%
40.8% as of December 2023 from 35.0% in the same period last year.
Beside Customer Deposits, BTPN has diversified funding sources
65% 68%
59% from bonds, bilateral loans and inter-bank borrowings. BTPN also
has a long-term borrowing facility from SMBC.
Dec'22 Sep'23 Dec'23
TD CA SA
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Loan Growth by Segment
Dec'22 Jun'23 Sep'23 Dec'23
Loan Growth (IDR billion) ∆QoQ ∆YoY
(Audited) (Unaudited) (Audited) (Audited)
Total Loan 146,124 148,714 150,843 156,561 4% 7.1%
Transforming Businesses: 24,733 23,946 23,693 23,709 0% -4.1%
- Retail Lending 23,990 23,011 22,608 22,403 -1% -6.6%
- Micro 743 935 1,084 1,306 20% 75.8%
Growth Businesses : 121,268 124,650 127,032 132,735 4% 9%
- Corporate & Commercial 97,450 98,961 100,291 104,904 5% 7.6%
- SME 11,257 12,122 12,880 13,255 3% 17.7%
- BTPN Syariah 11,527 12,090 11,936 11,388 -5% -1.2%
- Joint Finance 146 308 536 1,139 112% 681.7%
- Jenius 887 1,170 1,388 2,049 48% 131.1%
Others 123 117 118 117 -1% -5%
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Asset Quality
Asset Quality Gross NPL Composition by Segment Rp trillion
2.08 2.06 2.20 2.10
% Dec-22 Sep-23 Dec-23 1.2% 1.6% 1.7% 2.1%
15% 18% 16% 16%
Gross NPL 1.43 1.47 1.36 8% 0.1% 0.4% 0.5%
Net NPL 0.44 0.50 0.40 32% 34% 31%
28%
0.3% 0.8% 1.6%
Gross Cost of Credit 1.26 1.69 2.02 8% 8%
0.9%
8% 8%
Loan Loss Provision/NPL 172.75 185.51 220.72
40% 40% 39% 41%
Loan by Collectability (% of Total Loan)
Dec'22 Jun'23 Sep'23 Dec'23
Corporate & Commercial Retail Lending Micro SME Joint Finance BTPN Syariah Others
Dec-22 Jun-23 Sep-23 Dec-23 NPL
Spc NPL Spc NPL Spc NPL Spc
Mention Mention Mention Mention 1.36%
1.43% 1.39% 1.47%
3.73% 3.39% 4.89% 4.44%
IDR145.5T IDR148.4T IDR149.8T IDR154.4T
Current Current Current Current
Loan Loan Loan Loan
94.84% 95.23% 93.64% 94.20%
Note: - NPL calculation using total loan exclude loan to bank
Page 20
COVID-19 Restructured Loan
as of December 2023
Restructured Loan Proportion to Total Loan
end of December 2023
2.9 0.0% 2.0% 4.0% 3.0%
8.7%
10% %
0.5%
25% IDR 4.6T
97.1% 100.0% 98.0% 96.0% 97.0%
65% 91.3%
Corporate & Commercial
SME Corporate & SME Joint Finance Micro BTPN Syariah Total Loan
Micro Commercial
BTPN Syariah
Non-Restructured Loan Restructured Loan
Page 21
About Bank BTPN Banking Industry Overview FY 2023 Financial Performance Bank BTPN Business Activities CSR & Awards
Page 22
Retail Banking
Retail Banking Group
International Acceptance Include Retail Lending Business, Wealth Management Banking, Digital Banking
Global Access and Strong online & offline
Acceptability market presence with
advanced payment
systems
Digital
Value Banking
Proposition Hassle
Integrated personal banking services
Convenience Execution Strategy
Free Using Jenius as a platform & Secure
Easy & quick
access to loan Balancing ease of use
origination and transaction
security • Grow diversified income • Introduce more Loan
Competitive Products
Pricing • Healthy Portfolio Quality
Investment
• Execute Banking as a
Value for money relationship • Profitable Business Achieve Expand services (BaaS)
The Right Products & • International Benefit &
Financial Model Service Improve Service Channels
Brand Branding
Engagement
Ecosystem &
& E2E Process
Marketing &
Digitalization
Partnership
Accelerated
Continuous
Innovation
Excellence
People
Strong
Key More Customer & Transaction
Business • Strong Online & Offline • Implement Jenius as
Build Life Digital Platform
Drivers acceptance Thru Digitalization
IT & Innovation
partnership Finance • End-to-end Digitized
• Initiate Inorganic Growth Solution Processes
Management Agile & Aggressive
Discipline Synergic & Result Oriented
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Retail Banking
Jenius: Value Proposition and Key Features
A Simpler, Smarter, and Safer Way to Manage Your Life &
Finance, Simply from Your Smartphone
Value
Proposition “Simpler Life, Happier You”
Key Features
Send It $Cashtag e-Wallet Center Jenius Visa
Credit Card
Simpler Life Pay Me Jenius QR Jenius Pay Foreign Currency
Dream Saver Maxi Saver Flexi Cash Moneytory
Smarter
Finance
Card Center Flexi Saver Split Bill Split Pay
• Powered by Bank BTPN, registered and supervised by the Financial Services Authority (OJK)
Safer and members of the Indonesia Deposit Insurance Corporation (LPS).
Transactions • Secured by the latest encryption & technology
• Layered level authentication for peace of mind
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Retail Banking
Jenius: Simple. Smart, Safe
Simple
More than 5.2 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
265k
followers
311 Smart
Million Views
131k
page likes
• Can be customized based on your needs and preference
62.3k
followers
21.9Mn+ installs, • Smartly connected with Indonesia’s Banking Ecosystem
4.1 rating
88.7k 2.7Mn+ installs, • Evolving along with your life growth
followers 4.4 rating
Safe
• Powered by Bank BTPN, registered and supervised by the Financial
Services Authority (OJK) and members of the Indonesia Deposit
Insurance Corporation (LPS).
• Secured by the latest encryption & technology
• Layered level authentication for peace of mind
Page 25
Retail Banking
Jenius: Registered Users continue to increase to ~5.2 million
311 Mn
YouTube views
62.3K
followers
REGISTERED USERS
In Million
5.2
4.6
4.4
88.7 K 3.6
265K
followers followers 3
21.9 Mn+ 2.3
installs
1.2
131 K
page likes
2.7 Mn+
installs
Dec'18 Dec'19 Dec'20 Dec'21 Dec'22 Dec'23
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Retail Banking
Jenius: New Innovation & Update
Yay Points Redemption KrisFlyer Miles & Traveloka Points
Now, the Yay Points redemption becomes even more complete with the addition of the
travel category for redeeming KrisFlyer Miles and Traveloka Points. This development
follows the earlier introduction, in May 2023, when Yay Points could be redeemed for e-
Wallet balances, specifically GoPay and OVO.
Face Recognition
Now Jenius account activation is faster. Facial recognition is ready to help your registration
process. It's simpler. You only need a photo of your KTP, then ensure the completeness
and suitability of your personal data. It's faster, without a video call. Make sure your Jenius
application is the latest version.
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Retail Banking
Jenius: Marketing Campaign & Project
Offline Ticket Sale for Pocari Sweat Run Indonesia 2024
Jenius users can start their running journey early because on December 12, 2023, they
can buy running slot for #PocariSweatRun2024 using Jenius.
The presale is open for the first 1,000 people in any category for Jenius users. Also get
a discount of IDR100,000 for payments with Jenius Debit Card, Jenius Credit Card, or
Jenius Pay.
7 Hari 7 Malam (Oct) - Jenius Online Travel Fair
Jenius from PT Bank BTPN Tbk proudly presents its first-ever Jenius Online Travel Fair,
running from October 11 to 17, 2023. This event marks the return of the highly
anticipated 7 Hari 7 Malam #jadilebihjenius program, now more exciting with Jenius
Online Travel Fair. Offering discounts of up to IDR 7 million on Traveloka for purchasing
transportation tickets, accommodations, and holiday activities, which can make Jenius
users’ vacation #jadilebihjenius.
Page 28
Retail Banking
Wealth Management Business: Launched 1 Government Bonds denominated in IDR (FR) & Onboarding New Investment Manager Partner
New partnership with Manulife Asset Management Indonesia and
FR0101 (Tenor 6 Years, Coupon 6.875%)
launched 7 new funds (5 IDR Funds & 2 USD Funds)
Launched in Nov 2023
Launched in Nov 2023
Page 29
Business Banking
Business Model UVP Target Market
FINANCIAL SOLUTION ACCESS TO MARKET
Simple – flexible – fast
Open access to the
financial services:
market:
Access to
• Loan products
Financial marketing and
• Supply Chain
(PRK, PB, Solution business network SMEs (under Individual
Financing untuk
PAB/Investment memudahkan expansion names and PT Company)
Loans) Nasabah dalam with annual sales turnover
• Asset Based berhubungan Customer between IDR 2,5 bio and IDR
Financing Product dengan supplier dan Business 500 bio
buyer Success
Growth
Business owner
CAPACITY DEVELOPMENT
• Mitra Bisnis Info
• Mitra Bisnis Club
Page 30
Business Banking
BTPN
Business Banking
Workshop
in collaboration
with Accurate
JI Expo Jakarta, November 2023
Theme:
“Optimization Financial Strategy and Tax in
Digital Era for F&B SME Business”
Page 31
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 (*): Funding Products: Loan Products:
Unique • IRS/CCS • Bilateral and Syndication Loans
business • ESG Deposit
• Forex Transactions (IDR, USD, EUR and JPY)
Robust
model • Green Deposit
capabilities and
through • Government Bonds to • Project/ Structured Finance
network and FI/NBFI Clients
knowledge
SMBC brand • ECA
related to the (*) But not limited to the
Enterprise Funding • Green Loan /Sustainability
product above products Linked Loan (SLL)
Solutions
Business Treasury Lending
Cash Management Products: Domestic, Export and Import
• Current Account, Term Deposits Trade Products:
• Payment (ACH, RTGS, Payroll, WB Products & • Import LC Issuance / Import Bill
Strong support
from group for Wires) Service Negotiation
FCY funding • E-Tax Payment (non-import and
Cash
Coverage Trade • Export LC Advising /
import) Finance Confirmation / Export Bill
Management
• Collections (ACH, RTGS, Payroll, Collection
Target Segments Wires, Cheque/Giro Collection) • Documentary Collection (DP,
• Virtual Account Supply DA)
• Internet Banking/ Host-to Host Chain • Trust Receipt / Trade Loan
Target Company under Wholesale Banking Group:
• Liquidity Management Financing • Structured Trade Finance
1. Local Companies (Domestic Cash Polling, Auto TD (Supply Chain Financing)
2. MNC Placement, Cross Border • Receivable Purchase
Supply Chain Financing
3. State-owned Enterprises Pooling) Products: • Bank Guarantees / SBLC
4. Japanese Corporations • Auto Debit • Avalization
• Distributor Financing
5. Bank and Non-Bank FI • Bank Guarantee Online
• Supplier Financing
6. Commercial Companies • Structured Loan
Page 32
Corporate Banking
Corporate Banking Japanese
“ESG Deposit and Green Deposit” : Presenting Sustainable Investment
On 22nd of November 2023 Bank BTPN proudly announced the introduction of an innovative financial product, the
“ESG Deposit”, designed to cater the increasing awareness of sustainable investment among corporate customers.
This initiative aligns with environmental, social, and governance (“ESG”) principles, aiming to foster sustainable growth
and create a positive impact on both society and the environment. The introduction of the ESG Deposit underscores
the Bank’s solid commitment to delivering financial solutions for corporate clients that not only address investment
requirements but also contribute to a more sustainable and responsible future.
ESG deposit refers to deposit of which the use of proceeds is to finance and/or refinance eligible loans with environmental or social benefits.
On 6th of December 2023, Green Deposit by SMBC Group can also be accessed through BTPN. Green Deposit is a product which provides
customers with investment opportunities by allocating deposits to finance the environmental field, particularly in renewable energy.
ESG Deposit Framework: https://www.btpn.com/en/tentang-kami/keberlanjutan/bisnis-berkelanjutan
Green Deposit Framework: https://www.smbc.co.jp/global/greendeposit/
Page 33
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 through webinars or offline events with topics ranging from business, healthy lifestyle, personal development as well as finances. October 6th, 2023, DAYA BTPN gave offline Financial Literacy seminar as a CSR collaboration with one of largest real estate company in Indonesia for 349 people as scholarship awardee who mostly graduated form senior high school. Following another online seminar for the employees at 18th of October attended by 472 participants. October 20th, 2023, one of largest food and beverages company in Indonesia requested to DAYA BTPN for giving a seminar for employees related to mental health. This online seminar was attended by 196 employees. While November 20th, DAYA BTPN collaborated with one of distributor technology and information company Indonesia socializing about managing loan and illegal online loan platform with OJK. This online seminar was attended by 59 participants. From 146 participants who completed the survey 97% stated that the content is relevant, 97% found the webinar helps to increase their knowledge, and 93% felt the content is applicable and, 95% agreed that the facilitator is expert in his field.
Page 34
Bank BTPN’s Achievement in Supporting Sustainable Business Activities
in Indonesia
Examples of Bank BTPN's Category of Sustainable Business Activities Bank BTPN Sustainable Financing Initiatives
Financing Bank BTPN, as a member of SMBC, adopts (i) the environmental policy that SMBC
group has implemented since 1998; (ii) "The Equator Principles" since 2006 and (iii)
Bank BTPN as Lead Arranger Refinancing Facility UPC Financial Services Authority Regulation No. 51/2017.
2020 Sidrap Wind Energy (First Wind Power Plant in Indonesia)
ESG Seminar with 32% above expected participants (264 vs
in total amount of loan USD 114.7 million.
Bank BTPN as security agent and SMBC as lender Cirata
200)
Floating Power (Largest Floating Solar Power Plant in One of Bank BTPN's initiatives in sustainable finance is
Indonesia). realized through the implementation of the 2023
2021 Bank BTPN as sole lender Green Loan in the amount of IDR
UPC Sidrap Bayu Energi, First Wind
Sustainability Seminar "Addressing Climate Change
Power Plant in Indonesia. (2020)
1.06 trillion to PT Kepland Investama for refinancing of through Decarbonization Initiatives across Wider
Green Property certified building. Business Sectors" to share knowledge with corporate
customers regarding decarbonization efforts which can
Bank BTPN as Mandated Lead Arranger of Syndicated not only be carried out by the energy sector, but can
Sustainability-linked Loan in the amount of IDR 4.15 trillion also be carried out by various business sectors.
and IDR 2.74 trillion to PT Semen Indonesia & PT Solusi
2022 Bangun Indonesia. With the headline "Beyond Energy Transition: Seizing
Cirata Floating Power Plant, Largest Opportunities in The Pathway to Net Zero Economy",
Bank BTPN as Green Loan Coordinator for the Syndicated Floating PP in Indonesia (2021)
Green Loan Facility in total amount of USD 750 million to this seminar was held in the second year and was
PT Perusahaan Listrik Negara. attended by at least 247 invited guests from 95
companies, ranging from energy, manufacturing, until
Bank BTPN as Mandated Lead Arranger & Bookrunner agriculture, and took place at the Java Ballroom of the
(MLAB) for the syndicated facility for PT Air Bersih Jakarta Westin Hotel, Jakarta (12/10).
(ABJ) in the total amount of IDR 8.87 T for construton of
2023 clean water network pipes in DKI Jakarta. The seminar was joined by notable speakers, i.e. the
Bank BTPN as Mandated Lead Arranger (MLA) for Ministry of National Development Planning, Indonesia
Syndicated Sustainability-linked Loan facility for PT Sarana Signing of Syndicated Credit PT Air Financial Services Authority (OJK), Indonesia Stock
Multi Infrastuktur (Persero) in the total amount of USD 700 Bersih Jakarta (2023) Exchange, Indonesia Business Council, International
Mio. Finance Corporation, Convene ESG, and Bank BTPN.
Page 35
About Bank BTPN Banking Industry Overview FY 2023 Financial Performance Bank BTPN Business Activities CSR & Awards
Page 36
The embodiment of Bank BTPN'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 Self-Capacity
Literacy Development
High net-worth
Large Corporation
Digital Access: Medical Examination
www.daya.id Service
Middle class
Mid Size
Corporation
Mass Market
Micro business
Productive Poor Business Capacity Sustainable Digital Marketing Collaboration with
Improvement Life Training Djarum Foundation
Participant: 1,187,599 Participant: 1,527,134 Participant: 1,770,299 Participant: 1,410,368 Participant: 1,322,997 Participant: 1,148,097 Participant: 1,698,555 Participant: 1,413,527 Participant: 839,367 Participant: 2,266,923 Participant: 2,279,766 Participant: 5.559.215
Activities: 52,639 Activities: 90,183 Activities: 143,277 Activities: 101,976 Activities: 225,589 Activities: 134,383 Activities: 237,255 Activities: 312,236 Activities: 813,968 Activities: 5,763 Activities: 6,384 Activities: 11.359
December 2023
Page 37
Sustainable Finance
Bank BTPN has It supports Sustainable
succeeded in Sustainable Development Goals: Development Goals
managing its (SDGs)
environmentally
friendly financing It is a global action plan
agreed by world leaders,
portfolio including Indonesia, to end
poverty, reduce inequality and
protect the environment.
Number 9 Number 11 Number 13
About About Sustainable Regarding
Infrastructure, Cities and Handling Climate
Industry and Communities Change
Innovation
Bank BTPN’s
role in realizing
sustainable
finance.
Provide Provides 1,415 tips about SMBC Group donates 100 Provides various trainings Calculate the use of the amount of fuel
breastfeeding facilities as a entrepreneurship and health that million yen (equivalent to related to entrepreneurial and electricity (energy) every year in
form of support for can be accessed via daya.id 13.7M) to UNICEF Indonesia and health-related to 838,871 order to continuously improve its
working mother. 92% of to help ease the burden on people. efficiency. In 2020, it was recorded that
employees who took Indonesian society energy use fell by 97%. This sharp
maternity leave returned to related to COVID-19. decline is due to the majority of
work. employees working from home.
Page 38
2023 Awards 4th Anniversary Indonesia’s Popular Digital Products Awards 2023 – The Iconomics: KBMI 3 Group for Mobile Banking The award is presented to appreciate institutions that have innovated in digital in Indonesia hence they are able to face opportunities, challenges, and competitions from waves of technological disruption. Jenius from Bank BTPN received an award under the KBMI 3 category, or banks with core capital of more than Rp14 trillion up to Rp70 trillion, for Mobile Banking in the 4th Anniversary Indonesia’s Popular Digital Products Awards 2023. . Indonesia Public Relations Award (IPRA) 2023 – Warta Ekonomi: Conventional Bank Best Public Relations in Company Management on Expanding Mass Market Product and Services Bank BTPN received an award in public relations at the annual "Indonesia Public Relations Awards (IPRA) 2023: Winning Economic Growth through Consistent Collaboration" event organized by Warta Ekonomi.co.id. Bank BTPN won the “Best Public Relations in Company Management on Expanding Mass Market Products and Services” award in the Conventional Bank category. The award is dedicated to public relations’ role and function in a company that has significantly improved the quality and performance of the company through innovative public relations strategy in the midst of increasingly fierce industrial competition and Indonesia's improving economic conditions. The assessment is determined through a desk research approach to assess the company's financial performance, media monitoring to assess the company's strategic policies by analyzing the number of positive reports related to company performance, and expert panels to validate the entire series of assessments from a panel of judges who are experts in their fields.
Page 39
2023 Awards
Triple A Country Awards 2022 – The Asset: Best Green Loan and Best Local Currency
Green Loan
In February 2023, PT Bank BTPN Tbk ("Bank BTPN") has received awards in the "Triple A Country Awards 2022"
from The Asset in Hong Kong.
Bank BTPN received two awards in the 2022 Sustainable Finance category, namely “Best Green Loan” and
“Best Local Currency Green Loan”.
The first one was "Best Green Loan" was achieved through a green financing program worth a total of $750
million which was provided by Bank BTPN to PT Perusahaan Listrik Negara (PLN) in December 2022. In this
program which aims to support PLN's energy transition activities to renewable energy, Bank BTPN and Sumitomo
Mitsui Banking Corporation (SMBC) collectively act as coordinating mandated lead arranger and bookrunner,
and green loan coordinator. Bank BTPN received another award, namely "Best Local Currency Green Loan" by
providing a green financing facility worth IDR 1.06 trillion to PT Kepland Investama since October 2021. In this
program, Bank BTPN acts as the sole lender.
PR Indonesia Awards (PRIA) 2023 – PR Indonesia: 2022 Most Popular in Print and
Online Media
Bank BTPN received an award in the "Public Relations Indonesia Awards (PRIA) 2023" which was organized by
PR Indonesia.
There are several categories in this event, namely Owned Media, Digital Channels, Crisis Management, Annual
Reports, Corporate Social Responsibility (CSR) Programs, Public Relations Programs, and Public Relations
Department, to Most Popular in Print and Online Media.
Bank BTPN received award in the category “2022 Most Popular in Print and Online Media” with the sub category
National and Multinational Private Companies Tbk.
The assessment was determined through monitoring the news coverage of hundreds of companies (including
ministries, agencies, regional governments, State-Owned Enterprises, Regional-Owned Enterprises) in local print
and online media, from January 1 st to December 31st 2022. Monitoring used a quantitative method in real time
and qualitative analysis in collaboration with Indonesia Indicator.
Page 40
2023 Awards Top 100 Most Outstanding Women 2023 PT Bank BTPN Tbk (“Bank BTPN”) has received “the 2023 Top 100 Most Outstanding Women Awards”, which Infobank Magazine handed to Bank BTPN Finance Director Hanna Tantani. This is the second consecutive year Hanna received the award. The awards are dedicated to the best female leaders for their contribution through their experiences and achievements to the development of their institutions. The committee set a number of criteria of assessment for the award nominees: All nominees were members of the board of directors or commissioners in the 20 largest institutions in the financial services and state-owned enterprise sectors or leaders in financial authority institutions, held directorship positions for more than three years or as served professional commissioners (practitioners and academics), were experienced and had many professional achievements, were well-known in the industry, and were actively involved in various activities that supported their companies' performance and progress within their respective industries. Best Companies to Work for in Asia 2023 PT Bank BTPN Tbk (“Bank BTPN”) received the “Best Companies to Work for in Asia 2023” award from HR Asia. The award is dedicated to the companies with the best performance in the field of human resources in Asia. One of the assessment components is a high level of employee engagement and superior work culture. These two factors are also the Bank BTPN’s main focus which we manifest, among others, by implementing a flexible work location (hybrid working system) policy to support the realization of a better quality work-life and the employee value proposition (EVP) that we offer to all employees.
Page 41
2023 Awards PPKM Award 2023 PT Bank BTPN Tbk (“Bank BTPN”) has received the “Pemberlakuan Pembatasan Kegiatan Masyarakat (PPKM) Award 2023” from the Ministry of Health of the Republic of Indonesia. The award is dedicated for Bank BTPN's contribution in handling COVID-19 in Indonesia, through the implementation of health protocols at work and the establishment of a task force that handled, prevented and minimized the spread of COVID-19 in efforts to support the government’s programs. The award consists of 14 categories, namely community health centers, hospitals, laboratories, vaccination centers, telemedicine companies, Whole Genome Sequencing (WGS) laboratories, religious organizations, fellow countries, State-Owned Enterprises (BUMN), international organizations, domestic private companies, foreign private companies, Non-Governmental Organizations (NGOs), and COVID-19 emergency hospitals. Bank BTPN is one of 153 awardees in the domestic private company category. In total, more than 800 entities receive the award. 20th Infobank-MRI Banking Service Excellent 2023 Jenius from PT Bank BTPN Tbk (“Bank BTPN”) received the “20th Infobank-MRI Banking Service Excellent 2023” awards from Infobank Magazine. The awards are dedicated to the banks with the best service based on customer experience in 2022. The assessment was determined from the results of a study by the Biro Riset Infobank (BiRI) partnered with Marketing Research Indonesia (MRI). Jenius from Bank BTPN received eight award categories as follows: 1. The Pioneer of Digital Banking in Indonesia (Special Rank) 2. The 2nd Best in Service Excellence 3. The 1st Best Bank with Digital 4. The 1st Best Call Center 5. The 1st Best Email 6. The 2nd Best Mobile Banking 7. The 2nd Best Chatbot 8. The 2nd Best Live Chat
Page 42
2023 Awards 12th Infobank Digital Brand Awards 2023 PT Bank BTPN Tbk (“Bank BTPN”) has received awards at the annual “12th Infobank Digital Brand Awards 2023” event organized by Infobank Magazine. Infobank Magazine partnered with Isentia, a global media intelligence solution provider, in determining the awardees and giving the awards for 190 institutions and 174 products. The awards were given in appreciation of the institutions in promoting their corporate brands and product brands through digital platforms in 2022. Bank BTPN received three awards as follows: 1. “The Best Bank with Digital Service (KBMI 3 category, banks with core capital of more than Rp14 trillion up to Rp70 trillion)" for Jenius from Bank BTPN. 2. “The 3rd Best Deposito for Conventional Commercial Bank” for the BTPN Time Deposit product. 3. “The 3rd Best Conventional Commercial Bank Debit Card” for Jenius Debit Card from Bank BTPN. Bank BTPN was rated one of the best banks based on public assessment and social media users’ feedbacks on the bank's digital-based banking products and services. There were eight stages in the assessment and all of them centered on social media channels for corporate brands and product brands. The eight stages were category selection, brand and keyword research, social media channel selection, data generation from social media platforms, sentiment determination, data collection, index calculation, and determination of the top three results.
Page 43
2023 Awards Indonesia Most Powerful Women Award 2023 PT Bank BTPN Tbk (“Bank BTPN”) has received a “2023 Indonesia Most Powerful Women in Maximizing Digital Technology Utilization to Support National Economic Resilience” award. The award was dedicated to Bank BTPN Finance Director Hanna Tantani by HerStory, a subsidiary of Warta Ekonomi, in the Conventional Bank category. The awards are dedicated to female leaders who consistently innovate, adapt, and develop their companies from every industrial sector. The assessment is determined through a qualitative desk research method with media monitoring analysis through mainstream media publications, social media, and company publications to get female winning candidates with the positions of Chief (Executive, Financial, Operating, Marketing) Officer, director, and entrepreneur or founder. The HerStory research team also used digital technology acceleration through ChatGPT with the power of Artificial Intelligence (AI) to obtain additional data regarding various kinds of achievements of great women who have contributed to Indonesia's development. Meanwhile, the assessment indicators used are innovation, achievement, character image, as well as being proactive and creative. Indonesia Digital Customer Engagement Champion 2023 Jenius from PT Bank BTPN Tbk (“Bank BTPN”) has received an award in the “2023 Indonesia Digital Customer Engagement Champion” event organized by SWA Magazine and Business Digest. The event is designed to give recognition to companies that have succeeded in managing digital engagement through strategy, innovation, and program implementation, as well as excellent performance to support the company's growth in a sustainable manner. Jenius from Bank BTPN received an award with “Very Good” rating in the category of financial services of banking.
Page 44
2023 Awards
28th Infobank Award 2023
PT Bank BTPN Tbk ("Bank BTPN") has received an award in the "28th Infobank Award 2023" event
organized by Infobank Magazine.
This event was held to appreciate performance of 62 banks in Indonesia for their "Excellent" title
achievement in the "Rating 106 Banks Infobank Version 2023".
During the event, Bank BTPN Deputy President Director Darmadi Sutanto received the award from
Infobank Magazine Editor in Chief Eko B. Supriyanto and Deputy Editor in Chief Karnoto Mohamad on
Friday (25/08) at The Ritz-Carlton, Jakarta.
Bank BTPN received an award in the Diamond Trophy category for its excellent financial
performance in 2022 and for 20 consecutive years (2003-2022). Bank BTPN was one of the 11
banks that received the Diamond Trophy.
Infobank Magazine also gave special awards to 32 banks in this event with details: 9 banks won the
Golden Trophy, 4 banks won the Platinum Trophy, 3 banks won the Titanium Trophy, 11 banks won
the Diamond Trophy, and 5 banks won the Crown Trophy.
Infobank Research Bureau used risk profile, Good Corporate Governance (GCG), profitability,
capital, efficiency and growth as the assessment criteria.
The 2023 BUMN Champion Partner Appreciation
PT Bank BTPN Tbk (“Bank BTPN”) has received an award “2023 Best Creditor/Investor – Private
Bank” SOE Award by Ministry of State-Owned Enterprises.
Page 45
2023 Awards Asia Sustainability Reporting Rating (ASRRAT) 2023 PT Bank BTPN Tbk (“Bank BTPN”) has received a Platinum rating in the "Asia Sustainability Reporting Rating (ASRRAT) 2023". This is the third consecutive year Bank BTPN received the highest rank in its four years of participation in this event. The event, which was attended by 68 companies and organizations, was organized by the National Center for Corporate Reporting (NCCR) to appreciate the company's contribution in achieving sustainable development goals through the implementation of environmental, social and governance principles in carrying out its business operations. ASRRAT 2023 was also attended by several additional countries, such as Bangladesh, Philippines and Australia. The assessment is based on the level of compliance and quality of sustainability report with Global Reporting Initiative (GRI) standards. There are four award ratings: Platinum, Gold, Silver, and Bronze. Top 20 Financial Institution Awards 2023 PT Bank BTPN Tbk (“Bank BTPN”) has received “Top 20 Financial Institution Awards 2023” from The Finance, a subsidiary of Infobank Magazine. This event was held to appreciate the companies’ performance and leaders in the financial industry. The assessment was carried out on banks, life insurers, general insurers, and multifinance companies that have succeeded in maintaining good financial performance and grow positively over the past three years. Bank BTPN, who was represented by Finance Director Hanna Tantani, received "Excellent" title in the banks with assets of IDR 100 trillion to <IDR 500 trillion category. In addition, Hanna Tantani was also selected as Best Chief Financial Officer (CFO) in the bank category. Hanna received this award for three consecutive years.
Page 46
2023 Awards Infobank Top 100 CEO & The Next 200 Leaders 2023 PT Bank BTPN Tbk (“Bank BTPN”) received the “Top 100 CEO 2023” award from Infobank Magazine to Bank BTPN President Director Henoch Munandar. The award is dedicated to appreciate leaders from the banking industry, life insurance, general insurance, multi-finance companies, State-Owned Enterprises (SOEs), and supporters of the financial sector who are considered to have provided positive results for the companies they lead. The assessment criteria are based on company performance, size of the company, as well as the leader's achievements, experiences and contributions to the industry. Indonesian Sustainable Development Goals Award 2023 PT Bank BTPN Tbk (“Bank BTPN”) received Platinum award in the “Indonesian Sustainable Development Goals Award (ISDA) 2023” from Corporate Forum for CSR Development (CFCD). Bank BTPN won the award because of its commitment to realizing the eighth Sustainable Development Goal, Decent Work and Economic Growth. This year, Bank BTPN is one of two banks participating in the event. Vice President of Republic of Indonesia, Coordinating Ministry for Human Development and Cultural Affairs and for Economic Affairs, Ministry of National Development Planning/National Development Planning Agency (Bappenas), and Ministry of Environment and Forestry, as well as Head of the National Standardization Agency (BSN), ISO 26000 SGN-Austria also attended the event. The event, which has been regularly held since 2005, is dedicated for companies in Indonesia that are considered successful in implementing programs that significantly support the 17 sustainable development goals (SDGs).
Page 47
2023 Awards Detikcom Awards 2023: Demi Indonesia Bangga Jenius from PT Bank BTPN Tbk (“Bank BTPN”) received the “Digital Bank with the Most Innovative Features” award at one of the series of detikcom Awards, Demi Indonesia Bangga. The award was given in appreciation of various revolutionary innovations created by Jenius from Bank BTPN as a life finance solution for digital savvy. In its 7 years journey as a digital banking pioneer in Indonesia, Jenius from Bank BTPN has launched more than 40 innovations, ranging from simple saving, deposit, foreign currency, to digital credit card. VISA Indonesia Client Forum 2023 Award Jenius received the Indonesia Client Forum 2023 Award from VISA as The Highest Debit Card Volume & The Highest Debit Contactless Volume.
Page 48
Thank you
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