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Public Expose
3Q 2023 Results Update
PT Bank BTPN Syariah Tbk
Jakarta, 26th October 2023
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BTPN Syariah Management
Sharia Supervisory Board Board of Commissioners
H. Ikhwan Abidin, MA H. Muhamad Faiz, MA Kemal Azis Stamboel Dewie Pelitawati Ongki W. Dana Mulya E. Siregar
Chairman of Sharia Member of Sharia President Commissioner Independent Commissioner Independent
Supervisory Board Supervisory Board /Independent Commissioner Commissioner
Board of Directors
Hadi Wibowo Dewi Nuzulianti Arief Ismail Fachmy Achmad Dwiyono B Winantio
President Director Director Director of Compliance and Director Director
Corporate Secretary
Board of Management
Dharma Putera Robertus J Hadisurya Ibnu Agung Mulyanto
Risk Management Head Information Technology Head Human Capital Head
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BTPN Syariah Overview
Our Journey Shareholders Composition Rating
• Established in 2010 as BTPN Sharia Unit; massive roll-out in 2011
AAA idn Fitch Ratings
• Spin-off as PT BTPN Syariah on 14 July 2014
Stable Outlook
• Listed as PT BTPN Syariah Tbk on 8 May 2018
• Changed name into PT Bank BTPN Syariah Tbk on 4 June 2020
• Officially became Bank BUKU 3 Category according to the approval of
The Financial Services Authority on 7 July 2020
• Classified as KBMI 2 (Bank With Core Capital Above IDR 6tn) in Oct-21
• Today: Spread across 26 provinces, with ~14k employees (~ 95% female
and ~50% high school graduates)
Customer and Coverage
(Serving Java, Sumatera, Nusa Tenggara, Kalimantan & Sulawesi)
Serving 7 mn customers,
4.3 mn active
15 Branch Office and
44 Functional Operational
Office
Coverage 258k communities,
in 2,600 sub-districts
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BTPN Syariah Target Market, Vision & Mision
Target Markets VISION MISION
Employee Self Employed
“To be the best Sharia Bank, for “Together, we create
financial inclusion, making a opportunities for growth and
Very difference in the lives of millions of a more meaningful life”.
Large & Medium
Rich Indonesian people”.
Companies
Values
Small
Middle & Loan size ≤ Rp 5bn “PRISMA”
High Income Potential customers: 500K
monthly • Profesionalism • Mutual Respect
income:
> Rp 5mn Micro • Integrity • Teamwork
Loan size: ≤ Rp 500mn
Potential customers: 15 mn Single Identity: #bankirpemberdaya
In implementing Corporate Mission and Vision, a shared identity is
needed to unite all the employees in one spirit. #bankirpemberdaya is
Low Income Productive Poor/ the spirit that awakens all BTPN Syariah employees to their mandate of
monthly income: Unbankable
being a different kind of banker.
≤ Rp 5mn Loan size: ≤ Rp 5mn
A banker that chooses to gather funds from the privileged and
Potential customers: 45mn
distribute them to the empowerment of underprivileged families.
BTPS Funding Taking a different path in order to fulfill their calling to be of benefit to
Source: BPS, team analysis
BTPS Lending
others.
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Our Customers
Their Work Productive Underprivileged Women Their Needs
(Community consist of 15 – 20 people):
• Sell Goods • Daily Basic Needs
• Produce • Education for Children
4 Key Behaviours:
• Raise Livestock Courage Discipline • Improving Living Condition
Hard Work Solidarity
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Social Impact Scorecard: Positive Changes, Better for Community
Portrait of Customer Condition After 5 Years
Q2. Do all household members Q5. Widest floor type? Q6. What type of toilet arrangement
ages 6 to 18 go to school? does the household have?
C. Yes A. Soil or bamboo A. None or latrine
92.3% 16.0%
10.6%
90.0%
8.4%
9.4%
5.6%
84.5% 4.9%
Year 1 Year 3 Year 5 Year 1 Year 3 Year 5 Year 1 Year 3 Year 5
Q7.What is the main cooking fuel? Q9. Does the household have Q10. Does the household have
refrigerator or freezer? motorcycle or motorized boat?
B. Gas/LPG, kerosene, electricity, others B. Yes B. Yes
98.6% 84.2%
95.3% 69.4% 94.7%
92.6%
56.5%
90.6% 86.6%
Year 1 Year 3 Year 5 Year 1 Year 3 Year 5 Year 1 Year 3 Year 5
*PPI (Poverty Probability Index) was built by IPA(Innovations for Poverty Action) to measure the progress out of poverty; www.progressoutofpoverty.org/
**BTPN Syariah is not the sole determining factor of the customers’ welfare improvement
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Overview of Sustainability Performance
BTPN Syariah consistently demonstrated its full commitment in supporting the *Sustainability Report 2022
achievement of the SDG, with a focus on serving the underprivileged female customers.
The Bank formulated the objectives of Sustainable Finance to be in line with the business https://www.btpnsyariah.com/web/guest/sustainability-report
sector and has identified 12 (twelve) of 17 SDGs.
Economic Performance* Social Performance
IDR11,9T 8,6T
IDR 100% 6,8% 75%
Financing Equity Inclusive and female
segment financing
The number of customer’s
children attending school
Supervisor and
higher roles are
customers has increased female
Assisted
12,7T
IDR 21,9T
IDR 3.500
8 thousand Recipient disaster relief
Third-party funds Total Asset Inspirational and Successful program
customers
Environmental Performance
100% 4,3 mn Community Officer use
1,536
Community Officer (CO) Active customers directly 11 thousand Productive Female Financing
Trees potentially unharmed
using tablet served by the Bank Underprivileged
Low-emission operational vehicle Customers
Note: *economic performance as of Sep 2023; others statistic as of Dec 2022
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Financial Summary – Consolidated
Balance Sheet (IDR billion) Income Statement (IDR billion)
Sep’22 Dec’22 Sep’23 ∆YoY 9M’22 FY’22 1Q’23 2Q’23 3Q’23 9M’23 ∆YoY
Cash & Liquid Asset 8,907 9,319 9,909 11% Margin Income 3,956 5,374 1,384 1,448 1,476 4,308 9%
Financing (gross) 11,349 11,527 11,936 5% Margin Expense 247 344 110 125 127 362 47%
Allowance for losses (677) (769) (948) 40% Net Margin Income 3,709 5,029 1,273 1,324 1,349 3,946 6%
Operating Expense 1,420 1,869 501 493 524 1,518 7%
Total Third-Party Funds 11,871 12,049 12,754 7%
Pre-Provision Profit 2,293 3,174 771 832 828 2,431 6%
Total Liabilities 12,626 12,757 13,281 5%
Equity 7,948 8,405 8,688 9% Net Financing Loss 591 894 229 413 507 1,149 94%
Total Asset 20,574 21,162 21,969 7% Profit After Tax 1,328 1,780 425 328 251 1,004 -24%
Key Ratios (%)
Cost to Income ROA ROE CAR
9M’22 FY’22 1Q’23 2Q’23 3Q’23 9M’23 9M’22 FY’22 1Q’23 2Q’23 3Q’23 9M’23 9M’22 FY’22 1Q’23 2Q’23 3Q’23 9M’23 9M’22 FY’22 1Q’23 2Q’23 3Q’23 9M’23
38 37 38 37 39 38 11.6 11.4 10.0 7.7 5.8 7.8 24.7 24.2 20.5 16.4 12.3 16.4 50.4 53.7 51.7 48.2 49.7 49.7
NPF Gross NPF Net Loss provision coverage
9M’22 FY’22 1Q’23 2Q’23 3Q’23 9M’23 9M’22 FY’22 1Q’23 2Q’23 3Q’23 9M’23 9M’22 FY’22 1Q’23 2Q’23 3Q’23 9M’23
2.4 2.6 3.0 3.0 3.0 3.0 0.1 0.3 0.5 0.5 0,7 0.7 252 252 207 229 263 263
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Financial Ratios Benchmark – June 2023
BOPO NOM
CAR
48.2% 70.7% 77.4% 76.0%
26.8% 25.4% 8.1%
4.9%
2.8%
BTPNS Konven BUS BTPNS Konven BUS BTPNS Konven BUS
ROA NPL FDR
93.6%
82.9% 81.3%
3.0%
7.8% 2.4% 2.4%
2.8% 2.1%
BTPNS Konven BUS BTPNS Konven BUS BTPNS Konven BUS
* Source: Indonesia Banking Statistic Report
* BTPN Syariah Ratios Bank Only
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BTPN Syariah Aspirations
Building a Digital Sharia Ecosystem for the Unbanked
Tepat Mobile Banking and Bestee Tepat Mitra Tepat Apps BTPN Syariah Ventura
Internet Banking (Tepat Daya Platform)
▪ A service that provides convenience • An integrated platform in the form • Agent Banking application where • As an extension of BTPN Syariah to
and comfort for funding customers of digital learning & empowerment customers appointed as agents can accelerate the realization of a digital
in carrying out more optimal programs by stakeholders to provide deposit services, withdraw sharia ecosystem more precisely and
financial transactions with the increase customers capacity as cash, open accounts, provide efficiently by collaborating with
multi-layer approval feature. entrepreneurs by providing access transactions (buy credit & pay bills) strategic partnerships that have the
▪ BI has approved for self to knowledge. as well as e-commerce services for right digital competence and a
onboarding/eKYC. • A total of 26k customers were daily necessities. shared vision.
▪ Ongoing QRIS approval process facilitated from 24 provinces, • Focus on maintaining the right • Total Assets: 319 billion
from OJK. 1,689 facilitators from 258 number of partners and increasing • Net Profit: 7 billion
universities the number of transactions/utilization
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Program
An Integrated platform of digital learning & empowerment program by stakeholders for increasing
our customer capacity as entrepreneurs by providing access to knowledge. Our customer can learn
entrepreneurship material independently or/and assisted with contributor who joined the
empowerment program.
1.689 Facilitators
Platform Update
(as of Sep 2023)
26.000 Customers
1. Assessment Module Recommendation
2. Mini Survey Accompaniment Feature
3. New SMO & SMC Report
4. Generate Report Feature in Web
258 University Mentor
5. Filtering Ticketing Help Center
24 Province
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Awards 3Q 2023
Bisnis Indonesia 28th Infobank Award Nusantara CSR Award 12th Sharia Award 2023, Infobank The 14th Indonesian Institute for
1 Financial Award
2 3 4 5 Corporate Directorship (IICD)
• Excellent Financial • Category/SDGS #3 • The Best Islamic Commercial
(BIFA) 2023 healthy life and inclusive Corporate Governance Conference
Performance Bank in Banking in Performance
family welfare and Award
• The Best 5 Consecutive Years Quality and Empowering
Performance (2018-2022) • Category/SDGs #5 Micro Business • Top 50 emiten Kapitalisasi
Bank gender equality for • Excellence Financial Pasar Terbesar (Big Cap)
• Excellent Financial
• The Most Performance Bank in programs to achieve Performance Islamic • Best Financial Sector
Efficient Bank 2022 gender equality through Commercial Banking in 5
empowering women in Consecutive Years (2018-
remote areas of the 2022)
country
• Excellence Financial
Performance Islamic
Commercial Banking in 2022
KBMI 2 (asset class < Rp50 T)
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Thank you
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