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Page 1
PT Bank Syariah Indonesia Tbk
Public Expose 2023
© Amazing Aerial Premium
Page 2
Overview Perjalanan BRIS Setelah Merger
Pertumbuhan yang dominan di perbankan syariah di Indonesia
2021 2022 2023
1 Februari 2021 1 November 2021 31 Desember 2022 30 September 2023
Legal Merger Operational Merger Right Issue Solid Financial Growth
“Merged 3 SOE’s sharia bank” “Top 7 Indonesian Bank” “Top 6 Indonesian Bank” “The Highest Asset Growth 3Q-23”
Total Asset: IDR 239.73 Tn Total Asset: IDR 265.28 Tn Total Asset: IDR305.72 Tn Total Asset: IDR 319.8 Tn
Operating Income: IDR 14.78 Tn Operating Income: IDR 16.24 Tn Operating Income: IDR 19.28 Tn Operating Income: IDR 15.17 Tn
ROE: 11.19% ROE: 13.17% ROE: 16.84% ROE: 16.85%
Customer Based: +14 Mn Customer Based: +16 Mn Customer Based: +17 Mn Customer Based: 19.2 Mn
Phase I : 2021 Phase II : Q2 2022 Phase III : Q4 2022 Phase IV: 2023
Unlocking The Value of Indonesia Further Commitment from the Strengthening Organic Growth to
Sharia Banking Government of Indonesia the Tier-1 Capital Optimized the Potential
50.83% Serie A Serie A
50.83% 51.47% Asset Securitization
24.85%
24.85% 23.24% “The First sharia product launched in Indonesia”
17.25% 15.38%
17.25%
7.08% 7.08% 9.91%
Public Public Public
Investor Relations Group |PT Bank Syariah Indonesia Tbk - 2
Page 3
Mengidentifikasi Nasabah Sebagai Basis Untuk Pertumbuhan
Menghadirkan solusi yang menyeluruh dengan menyesuaikan kebutuhan
Identify customer based on Functional, Emotional and
Spiritual Value Providing an “End to never end solutions” to capture clients need
Financial Aspect
High
• Transfer
• QRIS
• Utilities Payment
Rationalist Universalist • Paylater, E-wallet, Referral Code
“benefit preference” “functional & benefit E-commerce
Functional & Emotional Value
preferences” • Payment & Invest
20.7% 25.6%
Lifecycle
Value
Apathist Conformist
“sensitive to pricing” “it must be Sharia”
Creation
33.2% 20.6%
Spiritual Aspect Social Aspect
• Islamic Feature • ZISWAF
Low High • Al-Qur’an • Qurban
Spiritual Value • Qibla • Donations
Source : Inventure Research 2020 • Mosque location & Prayers time
• Daily Du’a
Investor Relations Group |PT Bank Syariah Indonesia Tbk - 3
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Merefleksikan Pertumbuhan Kinerja Keuangan yang Membaik
Peningkatan level profitabilitas didukung oleh perbaikan kualitas aset dan efisiensi biaya
PROFITABILITAS KUALITAS ASET
Laba Bersih (IDR Bn) Cost of Credit
38% 41% 31%
4,260 4,200
12% 2.60%
2.17% 2.36%
3,028 3,205 1.97% 1.84%
1,952 2,188 1.35%
2019 2020 2021 2022 Sep-22 Sep-23 2019 2020 2021 2022 Sep-22 Sep-23
COST / EFISIENSI
Cost of Fund CIR
56.59%
MtM MtM
53.74%
3.40% 0 bps +1 bps 52.57%
2.70% 51.01%
50.28%
2.03% 2.05%
1.62% 1.56% 48.43%
2019 2020 2021 2022 Sep-22 Sep-23 2019 2020 2021 2022 Sep-22 Sep-23
Investor Relations Group |PT Bank Syariah Indonesia Tbk - 4
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Merefleksikan Pertumbuhan Kinerja Keuangan yang Membaik - (Lanjutan)
Likuiditas tetap terjaga ditengah melambatnya pertumbuhan dana pihak ketiga
ASET
Aset (IDR Tn) Pembiayaan (IDR Tn)
11% 15% 14% 9% 21% 16%
17% 16%
305.73 319.85
265.29 280.00 231.68
239.73 207.71 199.82
205.40 171.29
135.51 156.52
2019 2020 2021 2022 Sep-22 Sep-23 2019 2020 2021 2022 Sep-22 Sep-23
LIABILITAS
Dana Pihak Ketiga (IDR Tn) Tabungan (IDR Tn)
11% 12% 7% 14% 16% 5%
18% 28%
233.25
261.49 245.18 262.12
209.91
177.71
88.07 100.70 116.48 109.08 114.80
68.71
2019 2020 2021 2022 Sep-22 Sep-23 2019 2020 2021 2022 Sep-22 Sep-23
Investor Relations Group |PT Bank Syariah Indonesia Tbk - 5
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Termasuk Pada Beberapa Key Ratio
Mencapai level keuntungan baru melalui efisiensi dan manajemen kualitas aset
Neraca dan laba rugi tumbuh positif … Sep-23
31.04% (YoY)
15.74%
13.56%
14.23% 15.94%
7.40%
6.91% 3.22%
4.68%
Aset CASA DPK Pembiayaan Profit After Tax PPOP Overhead Cost Revenue Net Interest Income
(Margin Income)
… tercermin pada beberapa rasio sebagai indikator kinerja Sep-22
Sep-23
(59 bps) 26 bps (49 bps) 2 bps (30 bps) (29 bps) 49 bps (7 bps) (185 bps)
(YoY) (YoY) (YoY) (YoY) (YoY) (YoY) (YoY) (YoY) (YoY)
50.28%
48.43%
17.44%
16.85%
9.06%
2.34% 8.99%
2.08% 1.84% 6.22% 5.93% 2.05%
1.35% 3.38% 3.40% 3.41% 3.11% 1.56%
ROE ROA CoC PPOP to Asset Cost to Asset NIM CoF Loan Yield CIR
Investor Relations Group |PT Bank Syariah Indonesia Tbk - 6
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Melanjutkan Dominasi di Industri Perbankan Nasional …
Peningkatan kinerja keuangan dengan efisiensi biaya sebagai tantangan
Aset Pembiayaan Dana Pihak Ketiga Tabungan NIM
16.00% 5.99%
13.08% 4.80%
5.79%
7.76% 3.21% 4.13%
7.21% 2.97%
BSI Banking Industry BSI Banking Industry BSI Banking Industry BSI Banking Industry BSI Banking Industry
ROE CAR NPF CIR BOPO
26.74% 46.04%
17.27%
14.72% 20.29% 77.34%
2.44% 39.80%*
70.87%
2.31%
BSI Banking Industry BSI Banking Industry BSI Banking Industry BSI Banking Industry BSI Banking Industry
Sumber: OJK & Internal Data Notes:
1. Banking Industry as per Jun-23 2. Growth (YoY)
*Based on bank KBMI 4 and KBMI 3
Investor Relations Group |PT Bank Syariah Indonesia Tbk - 7
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… dan Industri Perbankan Syariah
Manajemen biaya dan risiko yang lebih prudent dengan pertumbuhan bisnis yang lebih baik di industri
NPL/NPF Gross* BO/PO* ROA*
3.20
2.36
84.61
83.63 81.01 1.98
2.93
2.88 1.97
1.72
2.70 80.46 1.54
77.48 1.90
2.42 2.31
75.88 76.96
2.41 1.61
2.28 1.38
70.87
2020 2021 2022 Jun-23 2020 2021 2022 Jun-23 2020 2021 2022 Jun-23
Perbankan Syariah
CAR* LDR/FDR*
BSI
25.71 26.28
87.80
82.94 85.85
25.35
81.67
22.09
79.37
21.64
74.52 76.90
73.39
18.24 20.29 20.29
Sumber: OJK
*Excluding BPR & BPRS
2020 2021 2022 Jun-23 2020 2021 2022 Jun-23
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Salah Satu Top 10 Bank di Indonesia Dengan Pertumbuhan Tertinggi
Mampu mencapai pertumbuhan tertinggi, bersaing dengan industri perbankan nasional
Total Aset Tabungan Pembiayaan Pembiayaan Konsumer* Net Profit
(IDR Tn) Growth YoY (IDR Tn) Growth YoY (IDR Tn) Growth YoY (IDR Tn) Growth YoY (IDR Tn) Growth YoY
1,124 11.89% 34.8 3.75%
531 4.24% 276 6.65%
1,697 9.33%
997 12.34% 185 31.7 29.17%
6.93% 507 2.34% 13.10%
1,531
184 31.5 27.54%
1,328 5.85% 438 6.72% 729 10.05% 14.55%
223 652 172 13.6 11.98%
947 5.73% (1.63%) 8.45% 11.50%
5 1 4.2 30.67%
408 6.24% 5 114 5.74% 4 314 9.84% 120 20.74%
6 3.7 30.00% 2
321 7.31% 81 8.73% 6 228 16.29% 1 116 11.71%
7 308 9.57% 1 53 5.72% 196 77 6.78% 2.8 18.49%
5.89%
254 8.76% 45 16.50% 69 2.3 (4.34%)
143 12.06% 8.01%
244 6.05% 41 (8.11%) 33 2.0 1.07%
140 2.08% 19.96%
191 5.05% 41 1.70% 21 1.9 (0.15%)
122 6.05% 3.70%
Sumber: Internal Data & Financial Report Notes:
Data as of Aug-23 – Bank Only
*Data as of Jun-23
Investor Relations Group |PT Bank Syariah Indonesia Tbk - 9
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Segmen Konsumer Masih menjadi Fokus Utama Pertumbuhan
Ditunjang dengan segmen wholesale yang disertai dengan value chain bisnis pembiayaan
Pre-Merger Yield CoC
Sep-23 Sep-23
Growth YoY
(IDR Bn) 2021 2022 Sep-22 Sep-23 Nominal
(%) 52.23% 54.34% 54.10%
48.04%
Konsumer 89,460 112,875 106,591 125,343 18,752 17.59%
Griya 42,022 48,070 46,309 51,215 4,906 10.59% Konsumer 10.02% 0.87%
Otomotive 1,917 2,761 2,329 3,757 1,428 61.33%
Mitraguna 30,141 42,732 39,602 48,832 9,230 23.31%
Pensiun 10,406 12,837 12,095 14,122 2,027 16.76%
Pembiayaan Emas 4,582 5,930 5,754 6,764 1,010 17.55%
30.69% 28.83% 28.60%
Card 393 545 500 651 150 30.04% 27.53%
Wholesale 7.03% 0.06%
Wholesale 49,380 57,197 56,737 66,254 9,517 16.77%
Korporasi 38,946 46,139 46,742 54,391 7,649 16.37%
Komersial 10,434 11,058 9,995 11,863 1,868 18.69%
SME – Mikro 32,452 37,632 36,495 40,079 3,584 9.82%
SME 18,331 18,892 18,372 18,629 256 1.40%
21.05% 18.95% 18.12% 17.30%
Mikro 14,121 18,740 18,123 21,450 3,328 18.36%
SME – Mikro 10.37% 1.67%
Subsidi (KUR) 9,083 15,944 14,849 19,484 4,635 31.21%
Non- Subsidi (Non-
5,038 2,796 3,274 1,967 (1,307) (39.92%)
KUR)
Total Pembiayaan 171,292 207,705 199,822 231,676 31,854 15.94%
2020 2021 2022 Sep-23
Investor Relations Group |PT Bank Syariah Indonesia Tbk - 10
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Upaya Meningkatkan Kualitas Aset Terus Berlanjut
Manajemen risiko yang menyeluruh membantu penurunan biaya dari aset gabungan pra-merger
Outstanding pembiayaan dari new booking telah melampaui pra-merger … … kualitas aset yang baik mendorong penurunan NPF
(IDR Tn) 171.29 199,82 207.70 231.68 5.30% 5.68%
5.24%
4.34%
2.67% 2.42% 2.21%
2.93%
0.21% 0.27% 0.52%
0.10%
33.23%
2021 Sep-22 2022 Sep-23
51.67%
56.76%
67.22% Legacy (%) Onward (%) Bankwide (%)
Penambahan pencadangan telah dilakukan agar selaras dengan Bank Himbara
lainnya
2.36% 189.6%
183.1%
66.77%
1.84%
48.33%
43.24% 1.97%
32.78% 162.3%
148.9% 1.35%
2021 Sep-22 2022 Sep-23 2021 Sep-22 2022 Sep-23
Total Outstanding Legacy Onward CoC (%) Cash Coverage (%)
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Begitu pula dengan Pembiayaan Sebelum Merger
Tren penurunan level SMF dan NPF yang disebabkan oleh repayment nasabah yang lebih cepat
(IDR Bn) 114,372 89,810 96,570 75,940 Gross NPF Legacy Formation
(IDR Bn) 2021 2022 Sep-22 Sep-23
Wholesale 2,385 2,103 2,225 1,932
Corporate 1,946 1,711 1,861 1,521
4,967
2,928 Commercial 439 392 364 411
SME-Micro 1,372 1,246 1,375 1,075
SME 860 795 861 733
5,120 Micro 512 451 514 343
4,708 3,177
2,775 Consumer, Gold & Card 1,121 1,359 1,520 1,305
Total 4,967 4,708 5,120 4,313
4,313
4,389
Outstanding Legacy Movement
106,477 (IDR Bn) 2021 2022 Sep-22 Sep-23
Wholesale
88,273
82,327 Beginning Balance 48,267 36,020 36,020 31,796
(+) Net Disbursment (Run off) (8,487) (238) 1,089 3,657
67,238
(-) Write-Offs 636 239 205 141
(-) Pre-Termination 3,124 3,748 3,167 1,798
Ending Balance 36,020 31,796 33,738 33,514
Retail
Beginning Balance 108,252 78,352 78,352 58,014
(+) Net Disbursment (Run off) (17,559) (11,880) (8,587) (10,183)
2021 2022 Sep-22 Sep-23 (-) Write-Offs 1,738 1,528 1,066 1,181
(-) Pre-Termination 10,603 6,931 5,867 4,225
Total Outstanding Legacy Coll 1 SMF NPF Ending Balance 78,352 58,014 62,832 42,426
Investor Relations Group |PT Bank Syariah Indonesia Tbk - 12
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Pencadangan yang Disesuaikan Berdasarkan Profil Nasabah
Potensi upside pada laba bersih dari writte-off dan rasio NPF yang lebih baik
Outstanding / Provision 10.98% 85.31% (6.08%) (32.17%) 92.43% (3.81%)
(YoY) (YoY) (YoY) (YoY) (YoY) (YoY)
183.66 (IDR Tn)
Composition
<1% 79.27%
>1% sd 5% 13.36%
Total Outstanding >5% sd 15% 3.14%
IDR 231.67 Tn >15% sd 50% 1.45%
>50% sd 99% 1.46%
100% 1.32% 30.94
7.27 3.36 3.39 3.06
<1% >1% to 5% >5% to 15% >15% to 50% >50% to 99% 100%
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Dominasi Aset dalam Rupiah Tetap Kuat
Dampak yang minim pada risiko nilai tukar meskipun terjadi fluktuasi mata uang
Eksposur mata uang asing relatif rendah … … tentunya dengan membatasi eksposur pada mata uang asing
(IDR Tn) (IDR Tn)
5.17 93.88%
70.52%
51.68% 25.86%
4.05
3.87 3.80
3.71
15,647
2.59% 1.87% 1.74% 1.67% 1.75%
7,502
6,778
5,511
5,174
4,780
97.48% 98.17% 98.29% 98.35% 98.28% 3,877 4,046
Sep-22 2022 Mar-23 Jun-23 Sep-23 2021 2022 Sep-22 Sep-23
Total USD Financing IDR Financing USD Financing FDR USD Third Party Funds USD Financing
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Mengoptimalkan Jaringan Kantor untuk Pertumbuhan Bisnis
Menjadikan BSI sebagai salah satu medium size bank yang unggul diatas bank syariah lainnya
Bank kelima dan satu-satunya bank syariah yang memiliki lebih dari 1.000 … dengan basis modal yang kuat untuk mendukung pertumbuhan
cabang di Tanah Air … bisnis
8,088 Notes : Bank capital tiering in
Indonesia
IDR Tn
KBMI 4 > 70
KBMI 3 14 - 70
2,387 KBMI 2 6 - 14
KBMI 1 <6
1,836
1,247
1,031 1,031
628
512
389
248 200 209 155 155 74 71 65 44 23 16
KBMI KBMI KBMI KBMI
4 3 3 1
This will lead us with capacity to provide client outreach deeper backed by higher
scale of services and business
Source: Financial Report, Dec-22
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Optimalisasi Biaya dan Peningkatan Produktivitas Terus Berlangsung
Kontribusi pegawai yang belum mencapai potensi maksimalnya
Profitability / Employee & Branch
%
to Revenue Growth 37.50% 34.78% 59.25% 31.38% (IDR Bn)
(IDR Tn) (YoY) (YoY) (YoY) (YoY)
0.31 5.40
0.23 3.87 4.11
0.22
Personnel 3.51 26.68%
4.98% 0.16 2.43
Expenses (YoY)
3.68 22.39%
2021 2022 Aug-22* Aug-23 * 2021 2022 Aug-22 * Aug-23
*
Net Income / Employee Net Income / Branch
0.32 2.27% 28.06%
Promotion (YoY) CIR vs Competitor
0.41 2.52%
53.52% 52.77%
49.02% 47.79%
43.33% 42.12%
38.47% 38.06%
33.47% 33.47%
G&A 3.20 22.52% (1.22%) 29.82%
Expenses (YoY) 22.39% 22.20%
3.16 19.22% 20.00% 18.24% 17.37% 19.22% 18.19%
16.06%
12.56%
Bank A Bank B Bank C BSI Bank E Bank F Bank G Bank H Bank I Bank J
Sep-22 Sep-23
CIR Personnel Expense / Revenue
Source: Internal Data, Aug-23 *Data annualized
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Mengoptimalkan Kinerja Cabang
Melalui penerapan KPI dan relokasi fasilitas untuk peningkatan awareness
Kontribusi cabang menjadi lebih dominan Focused on Delivering Key Strategies
(IDR Tn) (IDR Tn)
Financing Funding ATM BSI di Cabang
Loan / Financing Return on Asset Third Party Fund
(3.08%)
128.97
ATM YoY Growth 15.56% 2.93%
121.98 120.98
111.9 ATM BSI di Publik 164.77 210.56
3.22%
10.52% 142.59
2.83% 204.56
ATM YoY Growth
83.58 81.59
Sep-22 Sep-23 Sep-22 Sep-23 Sep-22 Sep-23
Relokasi &
Penambahan ATM
agar lebih dekat Pre-Provision
Contribution
40.68 42.79 dengan Nasabah Operating Profit
Margin
7.65% 26.13%
5.31
7.04 4.21
Merchant 6.54
Sep-22 Sep-23 Sep-22 Sep-23 QRIS BSI
79.44%
Headquarter Branches Sep-22 Sep-23 Sep-22 Sep-23
Merchant YoY Growth
As of Sep-23
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Salah Satu Bank Dengan Pertumbuhan Nasabah Tercepat
Pertambahan customer based lebih dari 5 juta semenjak Merger
Dengan preferensi syariah, kami berhasil mengakumulasi jumlah nasabah baru … rata-rata pertumbuhan nasabah YTD-23 telah melampaui akuisisi selama satu tahun
yang lebih besar dibandingkan dengan competitor … penuh, menambahkan 5 juta nasabah baru setelah merger
Early Stage Medium Stage Matured Stage Pre-Merger Post-Merger (Jt Nasabah)
80
70
18.95 19.09 19.22
70 7.06 18.40 18.76
Bank C 17.78
17.33
Customer 16.41 16.75
60 3.89 15.93
Base
50
Customer Base (Mn)
3.46
(‘000 Nasabah)
40 36
34 Avg Customer Base Avg Customer Base Growth
Bank A Growth 2022 YTD 2023
Bank B 153 161
30
23 372
Customer
19 Growth
20 Bank D 239
213
191 173 192
162 171
8 8 145 142 130
118 131 123
10 98 120 93
Bank E 87 83 155 151
1 2 Bank F 118
Bank H Bank G
0
0 20 40 60 80 100 120 140 2021 Mar-22 Jun-22 Sep-22 2022 Mar-23 Jun-23 Sep-23
Years Since Establishment (Yrs)
Source: Internal Data, Financial Report
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Pengelolaan Dana Yang Efisien Sejalan Pertumbuhan Aset
Menerapkan strategi ALM yang efektif untuk menjaga likuiditas di tengah volatilitas pasar
BSI masih memiliki keunggulan dalam mengelola biaya dana dibandingkan … dengan mengandalkan CASA dan menggunakan pendanaan dari nasabah institusi sebagai
dengan bank lainnya … buffer selama tren likuiditas yang ketat
87.80% 87.23% 89.11% 88.31%
2023 81.45%
FDR 79.37% 79.14%
2.00% 2.20% 2.40% 2.60% 2.80% 3.00%
1.97% 2.02% 2.02% 2.04% 2.05%
1.56% 1.62%
COF
2.02% 2.04%
Bank
Syariah
(IDR Tn) 245.18 261.49 269.26 252.52 259.21 256.15 262.12
Indonesia
2.02% 2.05%
3 bps 23.35% 23.56% 24.12% 25.19% 25.57% 25.07% 26.01%
QoQ
15.75% 14.87% 14.39% 14.87% 14.79% 14.86% 14.35%
2.87% 2.90% 3.16%
Average
Top 10
Banks
29 bps 60.90% 61.57% 61.49% 59.93% 59.64% 60.08% 59.63%
Jun-Aug
Cost of Fund Cost of Fund Cost of Fund Cost of Fund
Jun-23 Jul-23 Aug-23 Sep-23 Sep-22 2022 Mar-23 Jun-23 Jul-23 Aug-23 Sep-23
Cost of Fund Third Party Fund CASA Retail Deposit Insitutional Deposit
Source: Internal Data, Financial Report
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Page 20
Intensifikasi Produk Demi Meningkatkan Penetrasi Pembiayaan …
Didukung oleh basis nasabah yang besar dan >80% dalam usia produktif
Nasabah pinjaman dan pengguna mobile banking yang belum digarap … terutama pada product holding ratio (PHR) … memiliki keuntungan pada demografi nasabah
secara optimal… pada nasabah payroll yang berusia produktif
98.40% | Retail
1.60% | Institution 2.64 65+
6.98%
8.58%
Customer
Composition Product Holding Ratio
13.16%
on Payroll Costumer 55-64
12.44%
Mobile Banking Multi Purpose
19.87%
Active User Financing 45-54
18.48%
93.46% | 67.15 % 14.32 %
Non-Financing +1,364 bps (QoQ) +88 bps (QoQ)
6.54% | Financing 22.42%
Financing 35-44
21.14%
Penetration Hajj Saving Gold Installment
12.32 % 2.25 %
+46 bps (QoQ) +33 bps (QoQ) 23.60%
25-34
22.76%
Mortgage Time Deposit
14.35% |
Active User 1.05 % 1.02 % 18-24
10.30%
(5 bps) (QoQ) (6 bps) (QoQ) 11.33%
Mobile
Banking 16.34% | Gold Pawning Automotive Financing
3.67%
Penetration Non-Active 0-17
User 0.72 % 0.22% 5.26%
69.32% |
(1 bps) (QoQ) +0 bps (QoQ)
Non-Registered
2022 Sep-23
Source: Internal Data, Sep-23
Investor Relations Group |PT Bank Syariah Indonesia Tbk - 20
Page 21
… dan Mengembangkan Fee Based Income
Kontribusi yang belum sebanding dengan pertumbuhan aset yang cukup besar
Peluang untuk memaksimalkan fee based Income dari skala bisnis saat ini agar setara dengan industri …
Products (%
Initiatives Currently in Progress
Asset >500 Tn Contribution to FBI)
45%
Asset >300 – 500 Tn E – Channel - (23.3%) • Enhancement of the current
mobile App to capture
40% Asset >100 – 300 Tn
transactions and in parallel
Bank P encourage operation shifting to
35%
digital platform for efficiencies
Fee Based Income Composition (%)
Bank M Bank F
Bank J • Obtaining licenses for transaction
30% Bank D
Bank L product (e.g. QRIS dynamic)
Bank K Bank B Bank C
25% Bank O
Streamlining business process
Bank A Gold Pawning - (18%)
customer penetration
20%
Bank N Bank E Treasury - (9.2%) Product diversification
Bank H
15%
Bank I Cash Management • Recently obtained approval from
10% Services (CMS) & OJK
Trade Services - (5.3%) • Product enhancement for a
5% seamless transaction with clients
(e.g. host to host, API)
0%
• Customer need advancement with
-8% -6% -4% -2% 0% 2% 4% 6% 8% 10% 12% features currently being develop
in CMS
Asset Growth (YoY%)
Source: Internal Data, Aug-23 As of Sep-23
Investor Relations Group |PT Bank Syariah Indonesia Tbk - 21
Page 22
BSI Terus Mendukung Pertumbuhan UMKM di Indonesia …
Melalui penyaluran pembiayaan inklusif serta pendirian UMKM Center
Rasio Pembiayaan Inklusif Makroprudensial (RPIM) terus meningkat… … begitu pula dengan jumlah nasabah binaan di BSI UMKM center
(Rp Triliun)
463
82.0 34.75%
34.71%
80.0 34.27% Total
34.21%
1,421
78.0
33.68%
33.76%
33.49%
2.526
Nasabah Binaan
76.0 33.25%
642 Aceh
74.0 Yogyakarta
80.2 Surabaya
79.0
72.0 *Data September 2023
77.3
70.0 74.0
71.6 71.9 71.9
70.8
68.0
66.0
Des-22 Mar-23 Apr-23 Mei-23 Jun-23 Jul-23 Agu-23 Sep-23
Pembiayaan Inklusif RPIM
Investor Relations Group |PT Bank Syariah Indonesia Tbk - 22
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… dan Berperan Aktif Dalam Implementasi Keuangan Berkelanjutan …
Mendukung kebijakan pemerintah untuk mendorong pertumbuhan ekonomi UMKM
Porsi penyaluran pembiayaan berkelanjutan lebih besar ke UMKM…
(Rp Triliun)
52.6
53.6 MSMEs
51.0 51.2 51.5
48.3
50.1 43.6 Tn
46.2 Pembangkit Listrik Mikrohidro
Sustainable
Agriculture
4.9 Tn
41.7 43.4 Eco Efficient
41.9 41.8 41.8 Products
41.4
40.8
39.5
3.3 Tn
Renewable Kelapa Sawit bersertifikat ISPO
Energy
1.4 Tn
Others
9.3 9.7 10.9 10.2
6.7 7.5 8.6 9.1 Green
0.6 Tn
Dec-21 Mar-22 Jun-22 Sep-22 Dec-22 Mar-23 Jun-23 Sep-23
Green Financing MSMe
Geothermal
Investor Relations Group |PT Bank Syariah Indonesia Tbk - 23
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… Hingga Aktivitas Operasional
Berkomitmen mendukung pengurangan emisi gas rumah kaca
Efisiensi Energi Pengelolaan Limbah Pengurangan Penggunaan Kertas
▪ Pembangunan Green Building Landmark Aceh ▪ Penempatan Mesin RVM (Reverse Vending ▪ Korespondensi digital di Unit Kerja Kantor Pusat
▪ Penggunaan Solar Panel di Outlet BSI Mayestik Machine) di Head Office & Outlet BSI dan dalam upaya me-reduce penggunaan kertas &
Jakarta & Mataram beberapa tempat umum di Indonesia alat tulis berbahan kertas.
▪ 35 unit motor listrik untuk operasional yang ▪ Sebanyak 17.2 ton sampah plastik telah di daur
terbagi di Kantor Pusat & Outlet ulang yang mampu mengurangi jejak karbon
▪ BSI menyediakan Charging Station untuk Mobil sebesar 63.4 ton CO2
Listrik di Area Sekitar Masjid BSI Rest Area Cipali
Investor Relations Group |PT Bank Syariah Indonesia Tbk - 24
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Berupaya Terus Memberikan Dampak Positif Bagi Masyarakat
Penyaluran dana CSR mencapai Rp177.5 miliar hingga September 2023
Socioeconomic Spiritual People Charity & Environment
• Program Desa BSI : • Penyediaan sarana ibadah Masjid & • Program Beasiswa bagi siswa berprestasi • Santunan kepada 2,222 anak yatim
Sebanyak 15 Desa tersebar di 10 Provinsi Musholla representative (Bakauheni, Cipali, dari tingkat Sekolah Dasar hingga
di Indonesia dengan total penerima Cipularang, Bromo, Merapi, Banten, dan Perguruan Tinggi dengan total penerima
• Program BSI Sustainable Movement
manfaat sebanyak 3.066 orang. Labuan Bajo) manfaat mencapai 4,913 orang.
• Program UMKM Binaan sebanyak 819 orang. • Mobil Musholla yang tersebar di 3 (tiga) • Bantuan kesehatan masyarakat dan mobil • Dukungan Program Gotong Royong Boyong
titik (Jakarta, Surabaya & Bali) ambulans Pohon BUMN sebanyak 3.000 pohon oleh
pegawai BSI Kantor Pusat
Total Penyaluran: Total Penyaluran: Total Penyaluran: Total Penyaluran:
Rp21.3 miliar Rp37.9 miliar Rp57.6 miliar Rp60.7 miliar
Investor Relations Group |PT Bank Syariah Indonesia Tbk - 25
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Pengakuan dari Berbagai Pihak Atas Dedikasi dan Kinerja BSI
Alhamdulillah hingga November 2023, BSI telah menerima 107 penghargaan
GIFA Market Leadership Awards 2023 Best of The Best Islamic Financial Performance Indonesian Customer Experience Excellent Financial Performance Islamic
Islamic Commercial Banking in 2022 of The Year Commercial Bank In 2022 (KBMI 3)
Global Islamic Finance Award 2023 Infobank Sharia Award Asian Experience Awards 2023 Infobank Sharia Award
Investor Relations Group |PT Bank Syariah Indonesia Tbk - 26
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PT Bank Syariah Indonesia Tbk.
Main Office Dubai Branch Office
The Tower, Jl. Gatot Subroto No. 27 Dubai International Finance Centre (DIFC)
Kelurahan Karet Semanggi, Sheikh Zayed Rd
Kecamatan Setiabudi, Dubai
Jakarta Selatan 12930 United Arab Emirates
BSI Call - 14040
Investor-relations@bankbsi.co.id
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