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LAPORAN PELAKSANAAN
PAPARAN PUBLIK TAHUNAN TAHUN 2023
PT BANK BTPN SYARIAH TBK /
REPORT ON THE IMPLEMENTATION OF 2023 ANNUAL PUBLIC EXPOSE OF
PT BANK BTPN SYARIAH TBK
1. Ringkasan Hasil Paparan Publik 1. Executive Summary
Sebagai bentuk pemenuhan komitmen PT Bank As a form of fulfillment of the commitment of
BTPN Syariah Tbk (“Perseroan”) sebagai PT Bank BTPN Syariah Tbk (the “Company”)
Perusahaan Publik dalam meningkatkan as a Public Company in improving the
kualitas komunikasi kepada para pemangku communication quality to the stakeholders in
kepentingan yang sejalan dengan Peraturan line with the Regulation of the Financial
Otoritas Jasa Keuangan Nomor Services Authority Number 21/POJK.04/2015
21/POJK.04/2015 tentang penerapan pedoman regarding the application of guidelines on
Tata Kelola Perusahaan Terbuka dan Corporate Governance of Public Company and
Keputusan Direksi PT Bursa Efek Indonesia the Decree of the Board of Directors of PT
Nomor: Kep-00066/BEI/09-2022 pada tanggal Bursa Efek Indonesia Number: Kep-
30 September 2022 perihal Perubahan 00066/BEI/09-2022 dated September 30,
Peraturan Nomor I-E tentang Kewajiban 2022, regarding the Amendment to Regulation
Penyampaian Informasi, Perseroan Number I-E regarding the Obligation for the
berkomitmen penuh menyelenggarakan Conveyance of Information, the Company is
paparan publik sekurang-kurangnya 1 (satu) fully committed in holding public expose at
kali dalam setahun least once in a year
Adapun perwujudan komitmen Perseroan Whereas the materialization of the
sebagai perusahaan publik sekaligus sebagai commitment of the Company as a public
bagian dari komunitas pasar modal bertujuan company and contemporaneously as a part of
mempertahankan hubungan yang harmonis capital market community with the objective
dan transparan dengan para pemangku of maintaining harmonious and transparent
kepentingan. relationship with the stakeholders.
Dengan memperhatikan prioritas strategis With due regards to the Company’s strategic
Perseroan pada Triwulan Ketiga 2023, priority in the Third Quarter of 2023, please
perkenankan kami menyampaikan bahwa kindly be informed that the Company has held
Perseroan telah berkesempatan the Annual Public Expose independently and
menyelenggarakan Paparan Publik Tahunan in an online manner on Thursday, October 26,
secara mandiri dan daring pada hari Kamis, 2023. This initiative is in line with the
26 Oktober 2023. Inisiatif ini sejalan dengan publication implementation period of the
periode pelaksanaan publikasi Laporan Interim Financial Statement for the Financial
Keuangan Interim untuk Kinerja Keuangan Performance on the Third Quarter of 2023
Triwulan Ketiga 2023 yang dilaksanakan pada which was conducted in October 2023.
bulan Oktober 2023.
Penyelenggaraan Paparan Publik Tahunan The convening of the Annual Public Expose of
Perseroan dimaksudkan sebagai bagian dari the Company is intended as a part of the
peningkatan literasi pasar modal melalui improvement of capital market literation
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penyampaian Informasi tentang Perseroan through the conveyance of Information
kepada investor di Indonesia dan untuk regarding the Company to the investors in
menambah basis investor lokal sekaligus Indonesia and to increase the local investor
membuka akses dan hubungan yang lebih luas basis and contemporaneously to open more
antara investor dengan Perseroan. extensive access and relationship between the
investors and the Company.
Perkenankan kami melaporkan hasil dari Please allow us to report the result of the
pelaksanaan Paparan Publik Tahunan implementation of the Annual Public Expose
Perseroan sebagai berikut: of the Company as following:
Hari/Tanggal : Kamis, 26 Oktober 2023 Day/Date : Thursday, October 26, 2023
Waktu : 10.00 – 11.00 WIB Time : 10.00 – 11.00 Western Indonesia
Standard Time
Tempat : Secara Daring (melalui Venue : In an Online Manner (by means
Microsoft teams) of Microsoft teams)
Kantor Pusat Perseroan Head office of the Company
Menara BTPN Lantai 12 Menara BTPN, 12th Floor
CBD Mega Kuningan CBD Mega Kuningan
Jl.Dr.Ide Anak Agung Gde Jl.Dr.Ide Anak Agung Gde
Agung Kav.5.5-5.6 Agung Kav.5.5-5.6
Jakarta Selatan 12950 South Jakarta 12950
Laporan berikut merupakan Laporan The following Report constitutes the Annual
Pelaksanaan Paparan Publik Tahunan Public Expose Implementation for the year
Perseroan tahun 2023 yang telah dihadiri 2023 present in the Public Expose were 2
oleh 2 (dua) anggota Direksi (Direktur (two) members of the Board of Directors (The
Kepatuhan dan Sekretaris Perusahaan, serta Compliance Director and the Corporate
Direktur Keuangan, Treasury dan Secretary, as well as the Financial, Treasury
Operasional) dan dipandu oleh seroang and Operation Director) and guided by
moderator perwakilan dari Perseroan. moderator from the Company.
2. Peserta 2. Participants
a. Narasumber : a. The Speakers:
Perwakilan Perseroan : The Representatives of the Company:
1. Direktur Kepatuhan & Sekretaris 1. The Compliance Director & the
Perusahaan : Arief Ismail Corporate Secretary: Arief Ismail
2. Direktur Keuangan, Treasury dan 2. The Financial, Treasury and Operation
Operasional: Fachmy Achmad Director: Fachmy Achmad
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b. Moderator Paparan Publik b. The Moderator of the Annual Public
Tahunan: Expose
Nurul Aini Masyitha – Team Corporate Nurul Aini Masyitha – Team Corporate
Communication Perseroan Communication of the Company
c. Daftar Hadir Paparan Publik c. Attendance List of The Annual Public
Tahunan: Expose:
• Paparan Publik Tahunan Perseroan • The Annual Public Expose of the
dihadiri oleh 165 (Seratus Enam Puluh Company was attended by 165 (One
Lima) orang; hundred and Sixty Five) persons;
• Partisipan yang hadir terdiri dari • The attendees were consisting of the
Manajemen Perseroan, Investor/ Management of the Company, the
Pemegang saham, analis pasar modal, Investors/Shareholders, the Capital
media massa serta masyarakat; Market Analysts, the Press, and the
public;
• Daftar hadir terlampir. • The attendance list is as attached.
3. Susunan dan jalannya Acara: 3. The Proceedings and the Agenda:
1. Moderator membuka sesi paparan publik 1. The moderator opened the Public Expose
pada pukul 10.00 WIB dengan session at 10:00 Western Indonesia
memperkenalkan narasumber Perseroan; Standard Time by introducing the
Speakers of the Company;
2. Pemutaran Video Company Profile; 2. Video Presentation: Company Profile;
3. Bapak Arief Ismail selaku Direktur 3. Mr. Arief Ismail as the Compliance
Kepatuhan dan Sekretaris Perusahaan Director and the Corporate Secretary
membuka acara sekaligus opened the event and
memperkenalkan perwakilan Manajemen, contemporaneously introduced the
dilanjutkan dengan memaparkan agenda represenstatives of the Management, and
pertama mengenai sekilas tentang profil then followed by explaining the first
Perseroan, target market Perseroan, Visi agenda regarding a brief overview
dan Misi, profil nasabah, perubahan positif regarding the profile of the Company, the
serta dampak sosial dari pembiayaan dan market targets of the Company, the
pemberdayaan masyarakat inklusi, dan Visions and Missions, the profile of the
ringkasan kinerja keberlanjutan; customers, the positive changes as well
as the social impact of the financing and
the empowerment of inclusive
community, and the summary of
sustainable performance;
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4. Bapak Fachmy Achmad selaku Direktur 4. Mr. Fachmy Achmad as the Finance,
Keuangan, Treasury dan Operasional Treasury, and Operational Director
memaparkan Kinerja Keuangan Perseroan explained the Company Financial
posisi 30 September 2023, Aspirasi Performance on September 30, 2023, the
Perseroan untuk membangun ekosistem Aspiration of the Company to develop
syariah digital bagi segmen unbanked, digital sharia ecosystem for unbanked
Pengembangan Bestee Program sebagai segment, the Development of Bestee
bagian dari upaya Perseroan untuk Program as a part of the Company’s
meningkatkan kapasitas dan kapabilitas efforts to improve the capacity and the
masyarakat inklusi, dan kemudian ditutup capability of inclusive community, and
dengan daftar penghargaan yang diterima then, closed it with the list of awards
Perseroan selama 2023 yang merupakan received by the Company during the year
pengakuan eksternal atas komitmen kami 2023 which constitute the external
untuk bertumbuh secara sehat dan acknowledgement over our commitment
bertanggung jawab; to grow healthily and accountably;
5. Sesi Tanya jawab dipandu oleh Moderator; 5. Question & Answer session is facilitated
by the Moderator;
6. Penutupan Paparan Publik Tahunan oleh 6. The Closing of the Annual Public Expose
Moderator Nurul Aini Masyitha. by Nurul Aini Masyitha.
4. Tanya Jawab Paparan Publik Tahunan 4. Question & Answer of the Annual Public
Expose
Ringkasan atas Pertanyaan dan Jawaban The summary of the Questions and Answers
selama acara berlangsung adalah during the proceedings of the event is as
sebagaimana disebutkan dalam summary presented in the summary below.
dibawah ini.
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4. Question & Answer of the Annual Public Expose
No. Nama & Pertanyaan / Questions Tanggapan Perseroan /
Institusi/ Name Responses of the Company
& Institution
1. Bapak Indra Bagaimana kualitas aset BTPN Manajemen menjelaskan gambaran terkait kualitas aset paska pandemi
Investor Individu Syariah saat ini? yang menjadi tantangan tersendiri, khususnya bagi lembaga jasa
keuangan yang melayani segmen nasabah ultra mikro dengan model
bisnis seperti yang dimiliki Perseroan yang disebut segmen pra dan cukup
sejahtera inklusif.
Lebih lanjut Manajemen menjelaskan bahwa dilihat dari sisi bisnis,
mengacu kepada hasil research yang dilakukan oleh pihak independen,
terlihat adanya peningkatan pada aktivitas bisnis nasabah. Namun, jika
dilihat dari sisi pendapatan secara keluarga, hasil research tersebut
menunjukkan terjadinya penurunan dikarenakan hasil pendapatan suami
nasabah yang sebagian besar adalah informal memiliki tantangan usaha
yang berimbas kepada penurunan pendapatan.
Pada periode pandemi, kondisi keuangan keluarga nasabah Segmen pra
dan cukup Sejahtera Inklusif ini terbantu oleh tersedianya pinjaman
online maupun subsidi bantuan sosial dari Pemerintah sehingga dengan
adanya bantuan keuangan tersebut maka secara keuangan Nasabah
dapat bertahan.
Pada kondisi pasca pandemi dimana Pemerintah telah menghentikan
bantuan sosial serta adanya faktor kondisi eksternal dan kondisi politik
turut menghadirkan tantangan tersendiri bagi nasabah dan keluarganya.
Ditengah berbagai tantangan tersebut, Manajemen berkeyakinan bahwa
segmen yang dilayani adalah segmen yang tangguh yang bilamana
kondisi ekonomi pada segmen ini terus membaik, Manajemen optimis
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bahwa Nasabah dapat pulih dengan cepat dan kinerja Bank akan menjadi semakin baik lagi. Manajemen memberikan gambaran bahwa diluar tantangan kondisi keuangan nasabah, Perseroan tidak hanya menunggu faktor eksternal untuk pulih, namun demikian telah melakukan berbagai inisiatif improvement dalam berbagai bidang di internal Bank. Sejak awal tahun 2023, Perseroan telah mencanangkan program back to basic dimana Nasabah Pra dan Cukup Sejahtera Inklusif telah diwajibkan untuk kembali hadir pada Pertemuan Rutin Sentra (PRS). Hal ini sejalan dengan paparan pada awal sesi Paparan Publik bahwa mekanisme inti pada bisnis model segmen ini adalah adanya PRS sehingga Perseroan terus menekankan pentingnya kehadiran kepada nasabah pada forum PRS tersebut. Selain itu, Manajemen Perseroan menyampaikan bahwa telah meningkatkan kapasitas dan kapabilitas Team di lapangan untuk menjadi semakin handal dalam menangani Nasabah. Perseroan juga meningkatkan jumlah Karyawan pada Kuartal III dan Kuartal IV (2023) yang prioritas dan tanggung jawab utamanya untuk menjaga kualitas pembiayaan. Saat ini Perseroan menerapkan kebijakan penyaluran pembiayaan yang lebih selektif, baik pencairan terhadap Nasabah baru maupun pembiayaan untuk existing nasabah berdasarkan ticket size. Manajemen menyampaikan bahwa ditengah kondisi Nasabah Pembiayaan yang belum sepenuhnya pulih dan stabil namun kinerja Perseroan telah stabil sehingga tinggal menunggu turning point. 6
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Disampaikan bahwa Manajemen optimis melalui berbagai kebijakan
peningkatan kualitas dan improvement yang dilakukan akan
menghadirkan hasil yang baik bagi kinerja Perseroan dan dengan kondisi
ekonomi yang semakin favourable bagi usaha Nasabah, maka akan
memberikan dampak terbaik bagi nasabah maupun kinerja keuangan
Perseroan secara keseluruhan.
1. Mr. Indra How is the present asset quality of The Management explained the illustration related to post-pandemic
Individual Investor BTPN Syariah? asset quality which become a distinctive challenge, particularly for
financial service institution serving ultra micro customer segment with
such business model as the Company which was referred to as inclusive
under and sufficiently privileged segment.
Furthermore, the Management explained that from the business
perspective, by referring to the result of the research carried out by the
independent party, evidently there was an increase of business activities
of the customers. However, from the perspective of family income, the
result of such research indicated that there was a decrease due to the
proceeds of income of the husband of the customers who are in majority
in the informal sectors, posed business challenges having impact on the
decrease of revenue.
During the pandemic period, the financial condition of the family of this
Inclusive under and sufficiently-privileged Segment Customers were
assisted by the provision of online loan and social aid subsidy from the
Government, therefore, with the presence of such financial assistances,
then, the finance of the Customer could survive.
During the post pandemic condition in which the Government has
stopped the social assistance as well as the presence of external
condition factors and political conditions also presented a distinctive
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challenge to the customers and their families. In the mid of such various challenges, the Management is confident that the segment being served is a relisient segment which whenever the economic condition on this segment continued improving, the Management is optimistics that the Customer can recover quickly and the Bank’s performance will become much better. The Management presented illustration that in addition to the financial condition challenges of the customers, the Company was not only waiting for the external factors to recover, instead, the Company has carried out various improvement initiatives in various sectors within the internal of the Bank. Since the beginning of the year 2023, the Company has declared the back to basic program in which the Inclusive Under and Sufficiently Privileged Customers have been obliged to attend the Center Routine Meeting (PRS) again. This is in line with the explanation at the beginning of the Public Expose that the core mechanism of business model in this segment shall be the presence of PRS, therefore, the Company must emphazise the importance of thei presence of the customers in such PRS forum. In addition, the Management of the Company presented that the Company has improved the capacity and capability of the Team on the site to become more reliable in handling the Customers. The Company has also increased the total number of the Employees in the Third Quarter and the Fourth Quarter (2023) whose main priority and responsibility are maintaining the financing quality. 8
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At the present time, the Company applies more selective policy for the
distribution of financing, both for the disbursement towards new
Customers and the financing for the existing customers based on ticket
size.
The Management presented that amidst the condition of the Financing
Customer which has not yet entirely recover and stable, however, the
performance of the Company has already been stable, therefore, the
Company is only waiting for the turning point.
It is presented that the Management is optimistic through various policies
for the improvement of quality and the improvement which has been
carried out will give rise to a better result for the performance of the
Company and with the economic condition which is becoming more
favorable for the business of the Customers, then, it will give the best
impact to the customers and the financial performance of the Company in
overall.
2. Bapak Arif Widianto Apa kelebihan nasabah bagi BTPN Manajemen menjelaskan bahwa model bisnis bagi segmen pra dan
Bolasalju.com Syariah dibandingkan nasabah cukup sejahtera inklusif sudah dilakukan Perseroan sejak awal berdiri.
perbankan lain yang menangani Perseroan memiliki pengalaman dan mempunyai keyakinan yang
usaha kecil atau nasabah dengan memadai pada efektifitas model bisnis ini dan secara berkelanjutan
pinjaman besar yang punya akan memastikan agar model bisnis ini dapat terus tumbuh, utamanya
collateral? dengan meningkatkan kehadiran nasabah kembali pada PRS dan
adaptasi kebiasaan Nasabah sehingga diharapkan dapat tercipta
Apakah BTPN Syariah yakin nasabah kembali model bisnis yang pernah dikembangkan dan telah terbukti
jenis ini cukup kuat dan bertahan di berjalan dengan baik.
tengah ancaman risiko kredit
mereka karena tanpa jaminan? Tantangan dari risiko pembiayaan akan selalu ada. Namun Manajemen
berkeyakinan bahwa melalui mitigasi-mitigasi risiko yang telah
diimplementasikan yang kemudian disesuaikan dengan perkembangan
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Apakah nasabah ultra mikro ini kondisi Perseroan terkini akan menghadirkan faktor positif kepada
punya sisi positif yang pihak luar Perseroan.
belum pahami?
2. Mr. Arif Widianto What is the superiority of the The Management explained that the business model for the inclusive
Bolasalju.com customers for BTPN Syariah under- and sufficiently-privileged segment has been carried out by the
compared to the customers of other Company since its establishment. The Company has experiences and
banking institutions handling small has adequate confidence on the effectiveness of this business model
businesses or customers with macro and in a sustainable manner will ensure that this business model can
loan with collateral? continue growing, particularly by increasing the re-attendance of the
customers at the Center Routine Meetings (PRS) and the adaptation of
Does BTPN Syariah believe that this the Customers’ habit, therefore, it is expected that can be created
type of customer will be sufficiently again the business model which has once been developed and has
strong and will withstand amidst the been proven of running well.
threat that their credit risk is without
The challenges of the financing risk will always prevail. However, the
any collateral?
Management believed that through risk mitigations which have been
implemented, which were then adjusted to the latest development of
Does this ultra-micro customer has
the Company’s condition, will give rise to the positive factor to the
positive side to the external parties
Company.
which is not yet understood?
3. Bapak Febriyanto Terkait rencana Dividen BTPN Manajemen menyampaikan bahwa pembagian Deviden Perseroan
Syariah tahun depan? adalah dengan memperhatikan Kebijakan Deviden Perseroan.
Sebagaimana yang telah disampaikan dalam Rapat Umum Pemegang
Saham Tahunan di bulan April 2023, Perseroan berencana
meningkatkan payout ratio dari sebelumnya maksimal 40%, maka
Kebijakan Deviden Perseroan dapat mencapai lebih dari 40%, dengan
tetap memperhatikan faktor terkait, antara lain pendapatan dan
ketersediaan arus kas Perseroan, Prospek Keuangan, kebutuhan modal
kerja Perseroan, Prospek Usaha kedepannya, Belanja Modal dan
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Infrastruktur serta Rencana Investasi dan Pendorong Pertumbuhan
lainnya.
Untuk tahun buku 2022 yang dibagikan pada tahun 2023, Perseroan
telah membagikan Dividen dengan pay out ratio sebesar 40% dan
rencana tahun mendatang Perseroan berencana secara bertahap
meningkatkan angka pay out ratio sampai dengan mencapai 60%,
dengan tetap memperhatikan kebijakan dividen Perseroan dan kondisi
Perseroan.
3. Mr. Febriyanto Related to the Dividend plan of The Management presented that the distribution of the Company’s
BTPN Syariah next year? Dividend shall be with due regards to the Dividend Policy of the
Company.
As has been presented in the Annual General Meeting of Shareholders
in April 2023, the Company planned on increasing the payout ratio
from the previously at the maximum 40%, therefore, the Dividend
Policy of the Company can reach more than 40%, by continue
observing the related factors, among others, the revenue and
availability of cash flow of the Company, the Financial Prospect, the
Company’s needs of working capital, the Business Prospect in the
future, the Capital and Infrastructure Expenditure as well as the
Investment Plan and other Growth Drivers.
For the financial year of 2022 which was distributed in the year 2023,
the Company has distributed Dividend with the pay out ratio totaling to
40% and as the plan for the upcoming year, the Company is planning
on gradually increasing the figure of pay out ratio until it reaches 60%,
by continue having due regards towards the dividend policy of the
Company and the condition of the Company.
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4. Bapak Rian Bagaimana pencadangan BTPN Manajemen menyampaikan bahwa memperhatikan kondisi eksternal
Syariah di tahun depan? (ekonomi dan usaha) sebagaimana dipaparkan pada sesi Paparan Publik,
kondisi dipandang masih cukup menantang bagi segmen nasabah pra
dan cukup sejahtera inklusif yang dilayani.
Dengan mengedepankan transparansi kepada investor maka guidance
pencadangan yang dilakukan oleh Perseroan adalah dengan melakukan
pertemuan berkala dengan para analis dan investor untuk menyampaikan
update atas kondisi dan kinerja Perseroan serta menyajikan data
perkembangan perbaikan kualitas Nasabah Pembiayaan setiap bulannya,
baik dilihat dari sisi kehadiran kembali Nasabah pada PRS, Jumlah
Pembayaran Angsuran yang dilakukan Nasabah secara tepat waktu,
maupun Repayment Rate Nasabah.
Manajemen menyampaikan bahwa faktor-faktor ini akan memberikan
gambaran atas perbaikan kinerja Nasabah yang akan mendukung pada
perbaikan kinerja Perseroan.
Memperhatikan kondisi Nasabah Pembiayaan, maka Manajemen belum
dapat menyampaikan guidance pencadangan, namun demikian melalui
keterbukaan informasi yang dilakukan oleh Manajemen secara berkala
setiap bulannya maka para Investor diharapkan dapat memantau
perkembangan dari perbaikan kualitas Nasabah Pembiayaan tersebut.
Manajemen telah mengundang bilamana Bapak Rian berminat untuk
hadir dalam pertemuan ini dengan menghubungi Investor Relations
Perseroan.
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4. Mr. Rian How are the reserves of BTPN The Management presented that with due regards to the external
Syariah in the upcoming year? (economic and business) conditions as presented in the Public Expose
session, the condition is still considered of quite challenging for the
segment of inclusive under- and sufficiently-privileged customer being
served.
By putting forward the transparency to the investors, then, the guidance
for the reserves carried out by the Company is by holding periodic
meetings with the analysts and the investors to present the updates on
the condition and performance of the Company as well as to present the
data on the development of quality improvement of the Financing
Customers on every month, both from the perspective of re-attendance
of the Customers at the Center Routine Meetings (PRS), the Amount of
Payment of Installments made by the Customer in a timely manner, and
the Repayment Rate of the Customer.
The Management presented that these factors will provide illustrations on
the improvement of the performance of the Customers which will support
the improvement of the performance of the Company.
With due regards to the condition of the Financing Customers, then, the
Management could not yet present the guidance for reserves, however,
through information disclosure carried out by the Management
periodically in every month, then, the Investors are expected to be able
to monitor the development of the improvement of quality of the
Financing Customers aforesaid.
The Management has invited, if Mr. Rian is interested, to be present in
these meetings, by contacting the Investor Relations of the Company.
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5. Bapak Andre Apakah kompetitor melakukan Manajemen menyampaikan bahwa para pemain yang melayani segmen
strategi serupa dalam menyalurkan nasabah pra dan cukup sejahtera atau nasabah ultra mikro dapat
hutang lebih selektif atau agresif? dikatakan cukup unik. Jika sebelumnya terdapat banyak pesaing namun
demikian saat ini para pemain tersebut berada pada kondisi yang cukup
Bagaimana strategi BTPN Syariah menantang, baik dari sisi kinerja maupun kualitas. Disisi lain terdapat
atas strategi competitor tersebut? juga para pemain yang berada pada kondisi yang baik dengan terus
menjaga kualitas bahwan kondisi yang lebih baik dari sebelumnya.
Manajemen menyampaikan bahwa melalui adanya kemiripan kondisi
tantangan yang dihadapi pemain dan Perseroan maka strategi yang
ditempuh oleh Manajemen untuk meresponi tantangan ini adalah
dengan meningkatkan kapasitas dan kapabilitas Team dan memastikan
aktivitas di Internal Perseroan menjadi semakin baik lagi.
Melalui perbaikan yang berkelanjutan di internal Perseroan, sehingga
pada saat kondisi eksternal membaik maka kinerja Perseroan akan
meningkat menjadi semakin baik lagi.
Alhamdulilah Perseroan tetap mencatatkan bertumbuhan laba bersih
untuk sembilan bulan pertama tahun 2023 sebesar Rp.1 triliun.
5. Mr. Andre Does the competitor carry out The Management presented that the players serving the segment of
similar strategies in channeling debt under- and sufficiently-privileged customers or ultra micro customers can
in more selective or aggressive be said to be quite unique. If previously, there were many competitors,
manner? however, at the present time, those players are on a quite challenging
condition, both from the perspective of performance and quality. On the
How is the strategy of BTPN Syariah other hand, there are also players who are in good condition by continue
over the strategies of such maintaining the quality, and even in better condition than before.
competitor?
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The Management presented that through the similarity of challenging conditions encountered by the players and the Company, then, the strategy to be adopted by the Management to respond to these challenges is by improving the capacity and capability of the Team and by ensuring the activity within the Internal of the Company to become much better. Through the sustainable improvement within the internal of the Company, therefore, when the external condition is improving, then, the performance of the Company will improve much better. Praise be to Allah, the Company continued recording the growth of net profit for the first nine month in the year 2023 in the amount of Rp.1 trillion. 15
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5. Penutup 5. Closing
Closing Paparan Publik Tahunan disampaikan The Closing of the Annual Public Expose was
oleh Moderator (Nurul Aini Masyitha). concluded by the Moderator (Nurul Aini
Manajemen menyampaikan apresiasi atas Masyitha). The Management expressed its
dukungan para pemangku kepentingan appreciation for the support of the
terhadap Perseroan. stakeholders to the Company.
Adapun closing remarks adalah sebagai Whereas the closing remarks are as the
berikut: following:
1. Sesuai dengan visi dan misi nya, BTPN 1. In accordance with its visions and
Syariah akan tetap fokus melayani missions, BTPN Syariah will continue the
segment unbankable atau masyarakat pra focus of serving the unbankable
dan cukup sejahtera inklusif ini, dimana segment or this under- and sufficiently-
peluang untuk segmen ini yang masih privileged community, in which the
besar ditengah persaingan digital yang opportunity for this segement is still
memiliki ketertarikan pada segmen ini. substantial among the digital
akan tetapi Bank memiliki competitive competition having interest in this
advantages sebagai pionir yang telah segment, however, the Bank has
memiliki infrastruktur yang sangat kuat competitive advantages as the pioneer
yang telah dibuat sejak masih berstatus which has had very strong infrastructure
sebagai Unit Usaha Syariah BTPN; since it was established and having the
status as Sharia Business Unit of BTPN
2. Secara performance, BTPN Syariah tetap 2. In terms of performance, BTPN Syariah
mampu untuk mencatatkan kinerja positif continues to be able to record positive
dengan mayoritas rasio-rasio penting Bank performance with the Bank’s important
berada di atas industri. ratio majority above the industry.
3. Sehubungan digitalisasi, BTPN Syariah 3. In relation to the digitalization, BTPN
terus beriktiar dalam bertransformasi Syariah continues making efforts in
mewujudkan ekosistem digital syariah bagi transforming to materialize sharia digital
masyarakat inklusi serta menggulirkan ecosystem for inclusive community as
berbagai program untuk memperkuat well as launching various programs to
kapasitas mereka sebagai wujud komitmen strengthen their capacity as the
Bank dalam mengubah hidup berjuta manifestation of the Bank’s commitment
rakyat Indonesia menjadi lebih berarti. in changing the lives of millions of
Indonesian people to become more
meaningful.
Paparan Publik ditutup pada pukul 11.00 WIB The Public Expose is adjourned at 11.00
Western Indonesia Standard Time.
Demikian laporan ini kami sampaikan. Terima In witness thereof, this report is prepared.
kasih. Thank you.
16
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