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20251029_BTPN_Laporan Informasi dan Fakta Material_31980429_lamp2.pdf
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PRESS RELEASE
For Immediate Release
SMBC Indonesia Delivers Strong Operating Income, Loan Growth in January–
September 2025 through Adaptive Strategy
Jakarta, October 29, 2025 – PT Bank SMBC Indonesia Tbk (SMBC Indonesia)
successfully navigated a challenging macroeconomics and microeconomic
landscape from January to September 2025 by maintaining solid fundamentals and
adapting swiftly to market changes. This resilience resulted in higher operating
income and growth in loan disbursement.
SMBC Indonesia President Director Henoch Munandar said, “SMBC Indonesia
maintained solid performance during the period by responding quickly and
effectively to market dynamics and monetary policy shifts.”
“Guided by an adaptive mindset and a commitment to meaningful growth, we aim
to create lasting impact by supporting Indonesia’s economic progress, driving our
customers’ prosperity, and empowering communities toward sustainable growth.”
The consolidated financial results for January–September 2025 have taken into
account the financial performance of PT Oto Multiartha (OTO) and PT Summit Oto
Finance (SOF), collectively referred to as the OTO Group, which became part of
SMBC Indonesia following the completion of the acquisition by the end of March
2024.
SMBC Indonesia posted operating income of Rp13,8 trillion, an increase of 11% year-
on-year (yoy). Net interest income also grew by 9% yoy, supported by higher net
interest margin (NIM) and reflecting the bank’s solid performance and resilience
amid competition in the market.
The bank’s NIM rose to 7.1% in September 2025, compared to 6.8% in the same
period last year, supported by the OTO Group’s post-acquisition contribution. SMBC
Indonesia remains focused on sustaining a healthy NIM despite competitive lending
rates, rising funding costs, and ongoing market volatility.
Loan disbursement reached Rp186.2 trillion, an increase of 6% yoy compared to
Rp175.1 trillion last year. Lending in the retail segment also showed growth, such as
Joint Finance (34% yoy), Jenius excluding Digital Micro (8% yoy), and Micro (7%
yoy). The bank’s collaboration with the OTO Group also boosted lending in Joint
Finance.
In other segments, corporate and commercial loans rose 10% yoy and the OTO
Group’s financing receivables increased by 11% yoy.
Credit costs rose 45% yoy to Rp4 trillion, due to higher provisioning in Joint Finance,
corporate, and commercial segments, as well as the inclusion of the OTO Group’s
credit costs. SMBC Indonesia continues to apply prudent and proactive credit risk
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management practices, ensuring su cient reserve levels to safeguard portfolio quality. Operating expenses increased by 12% yoy to Rp7.5 trillion, reflecting overall business expansion and the consolidation of the OTO Group. SMBC Indonesia’s subsidiary PT Bank BTPN Syariah Tbk (BTPN Syariah) recorded a net profit of Rp945 billion, growing 23% yoy, with total financing disbursement reaching Rp9.8 trillion. SMBC Indonesia posted Rp1.5 trillion in consolidated net profit after tax attributable to the parent company, decreased by 26% yoy. Asset quality remained sound, with the gross non-performing loan (NPL) ratio at 2.8% as of September 2025—higher than 2.2% a year earlier, yet an improvement from 3.2% at the end of June in 2025. SMBC Indonesia and the OTO Group continue to uphold prudent and disciplined risk management practices. Liquidity and funding positions remained robust, reflected in a liquidity coverage ratio (LCR) of 277.8%, a net stable funding ratio (NSFR) of 119.9%, and a capital adequacy ratio (CAR) of 29.8%. Funding performance remained strong, with Current Account & Savings Account (CASA) balances rising 33% yoy to Rp50.6 trillion. This growth lifted the CASA ratio from 33.6% in September 2024 to 42% in September 2025. While time deposits declined 7% yoy to Rp69.7 trillion, total third-party funds rose 6% yoy to Rp120.3 trillion, reflecting balanced and resilient funding management. Jenius Remains Consistent in Driving Sustainable Growth. Amid this strong funding and liquidity performance, Jenius from SMBC Indonesia also delivered impressive results. Jenius, SMBC Indonesia’s life finance solution platform designed for digital-savvy customers, continued its strong growth trajectory. The number of registered users rose 7% yoy to 6.3 million, while third- party funds expanded 13% yoy to Rp30.7 trillion. Loans across Jenius products such as Flexi Cash, Digital Micro, Jenius Credit Card, and Jenius Paylater grew 7% yoy to Rp3.5 trillion. This continued growth underscores Jenius’s position as a pioneer in Indonesia’s digital banking sector, driving financial inclusion through simple, accessible, and innovative digital solutions. SMBC Indonesia Strengthens Its Sustainable Impact through the Daya Program. True to its purpose of driving meaningful growth, SMBC Indonesia extends its impact beyond banking through community empowerment programs. Through the Daya Program, SMBC Indonesia engaged nearly 7.4 million participants in 8,276 empowerment activities from January to September 2025. A major highlight of the initiative was Daya Fest 2025, held on 27–29 August at Menara SMBC under the theme “Growing Collaboration, Sustainable Impact.”
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Daya Fest 2025 broadened market access for local entrepreneurs and fostered
cross-sector collaboration. The event included Inspirational Empowerment Classes
attended by 1,756 participants and the Selendang Mayang Exhibition, which
featured products from 116 local SMEs and recorded the sale of 6,087 items over
three days.
***
For further information, please contact:
PT Bank SMBC Indonesia Tbk
Andrie Darusman, Communications & Daya Head
Email: andrie.darusman@smbci.com or corporate.communications@smbci.com
SMBC Indonesia in brief
PT Bank SMBC Indonesia Tbk (SMBC Indonesia)—formerly PT Bank BTPN Tbk (Bank BTPN)—is a foreign
exchange bank resulting from the merger of PT Bank Tabungan Pensiunan Nasional Tbk (BTPN) and PT Bank
Sumitomo Mitsui Indonesia in February 2019. Driven by the spirit of "Do Good, Be Great," SMBC Indonesia aims
to create more meaningful growth for society through innovative and comprehensive financial solutions
centred on meeting customers' needs across various segments. SMBC Indonesia provides products and
services such as green financing, products and services for retired customers, for micro, small, and medium
enterprise customers, for large national, multinational, and Japanese corporations, wealth management services
through Sinaya, as well as digital banking services for digital-savvy communities through Jenius. Additionally,
SMBC Indonesia has subsidiaries, including PT Bank BTPN Syariah Tbk, serving customers from productive
underprivileged communities, and financing companies PT Oto Multiartha (OTO) for four-wheel vehicles and PT
Summit Oto Finance (SOF) for two-wheel vehicles. SMBC Indonesia's commitment to positively and sustainably
impacting the broader community is also reflected through Daya. This sustainable and measurable
empowerment program offers regular training to enhance personal capabilities and lead a more meaningful life.
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Bank Tabungan Pensiunan Nasional Tbk
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PT Bank Sumitomo Mitsui Indonesia
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