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LAPORAN PELAKSANAAN
PAPARAN PUBLIK TAHUNAN TAHUN 2025
PT BANK BTPN SYARIAH TBK /
REPORT ON THE IMPLEMENTATION OF 2025 ANNUAL PUBLIC EXPOSE OF
PT BANK BTPN SYARIAH TBK
1. Ringkasan Hasil Paparan Publik 1. Summary of Result of Public
Expose
Sebagai bentuk pemenuhan komitmen PT Bank As a form of fulfillment of commitment of
BTPN Syariah Tbk (selanjutnya disebut PT Bank BTPN Syariah, Tbk. (hereinafter will
“Perseroan” atau “Bank”) sebagai be referred to as the “Company” or the
Perusahaan Terbuka dan sejalan dengan “Bank”) as a Public Company and in line
penerapan prinsip tata kelola perusahaan yang with the implementation of good corporate
baik terkait transparansi dan akuntabilitas, governance principles related to
maka merujuk kepada Peraturan Bursa Efek transparency and accountability, then,
Indonesia : Keputusan Direksi PT Bursa Efek referring to the Regulation of the Indonesian
Indonesia Nomor: Kep-00066/BEI/09-2022 Stock Exchange: Decree of the Board of
pada tanggal 30 September 2022 perihal Directors of PT Bursa Efek Indonesia
Perubahan Peraturan Nomor I-E tentang Number: Kep-00066/BEI/09-2022 on
Kewajiban Penyampaian Informasi, Perseroan September 30, 2022, regarding the
berkomitmen menyelenggarakan paparan Amendment to the Regulation Number I-E
publik sekurang-kurangnya 1 (satu) kali dalam regarding the Obligation for the Delivery of
setahun, sebagai bentuk upaya Information, the Company is committed to
berkesinambungan Perseroan dalam organize public expose at least 1 (one) time
meningkatkan kualitas komunikasi kepada para in a year, as a form of simultaneous effort of
pemangku kepentingan. the Company in improving the quality of
communication to the stakeholders.
Perseroan berkomitmen untuk terus The Company is committed to continue
menyediakan layanan terbaik bagi publik dan delivering the best services for the public and
pemegang saham dengan tetap the shareholders by continue prioritizing the
mengedepankan prinsip kehati-hatian dan prudential principles and having active roles
berperan aktif mendukung stabilitas sistem in supporting the stability of financial system.
keuangan.
Alhamdullilah, bekerjasama dengan PT Bursa All praise be to Allah, in cooperation with
Efek Indonesia, PT Kliring Penjaminan Efek PT Bursa Efek Indonesia, PT Kliring
Indonesia, dan PT Kustodian Sentral Efek Penjaminan Efek Indonesia, and PT
Indonesia serta didukung oleh Otoritas Jasa Kustodian Sentral Efek Indonesia as well as
Keuangan, serta bertepatan dalam peringatan supported by the Financial Services
48 Tahun Diaktifkannya Kembali Pasar Modal Authority, as well as coincides with the
Indonesia, Perseroan telah melaksanakan commemoration of 48th Anniversary of the
pemenuhan paparan publik tahunan dengan Reactivation of the Indonesian Capital
agenda Paparan atas Kinerja Keuangan Market, the Company has implemented the
Perseroan (posisi 30 Juni 2025). fulfilment of annual public expose with the
agenda for the Expose over the Financial
Performance of the Company (per June 30,
2025).
Penyelenggaraan Paparan Publik ini juga The convening of this Public Expose also
merupakan bagian dari peningkatan literasi constitutes a part of the effort to improve
pasar modal dan bertujuan menambah basis capital market literacy and has the objective
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investor lokal sekaligus membuka akses dan of increasing local investor basis while at the
hubungan yang lebih luas antara investor same time opening more extensive access
dengan Perseroan. and relationship between the investors and
the Company.
Paparan Publik dan Konferensi Pers The Public Expose and Press Conference
Perseroan telah diselenggarakan pada: of the Company has been convened on:
Hari/Tanggal : Rabu, 10 September 2025 Day/Date : Wednesday,
September 10, 2025
Waktu : 09.05 – 10.10 WIB Time : 09.05 – 10.10 Western
Indonesia Standard Time
Tempat : Secara Daring (Webinar) Venue : Online (Webinar)
Penyelenggara Organizer
PT Bursa Effek Indonesia PT Bursa Efek Indonesia
Gedung Bursa Efek Indonesia Stock Exchange
Indonesia Tower II Lantai 1 Building
Jl. Jend.Sudirman Kav.52-53 Tower II, 1st Floor
Jakarta 12190 Jl. Jend. Sudirman Kav. 52-53
Jakarta 12190
Emiten Issuer
Kantor Pusat Perseroan Head Office of the Company
Menara SMBC Lantai 12 Menara SMBC, 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
Pelaksanaan Paparan Publik Tahunan tahun Report on the Implementation of 2025
2025 yang dilanjutkan dengan Konferensi Annual Public Expose which was
Pers. Hadir pada Paparan Publik yaitu 2 preceeded with the Press Conference.
(dua) anggota Direksi Perseroan selaku Present in the Public Expose are 2 (two)
narasumber serta dipandu oleh moderator members of the Board of Directors of the
dari PT Bursa Efek Indonesia pada saat Company as the speakers as well as
Paparan Publik dan moderator dari guided by the moderator from PT Bursa
Perseroan pada saat Konferensi Pers. Efek Indonesia during Public Expose and
the moderator from the Company during
Press Conference.
2. Peserta 2. Participants
a. Narasumber : a. Speakers:
Perwakilan Perseroan : Representatives of the Company:
1. Direktur Kepatuhan & Sekretaris 1. Compliance Director & Corporate
Perusahaan: Arief Ismail Secretary: Arief Ismail
2. Direktur: Fachmy Achmad 2. Director: Fachmy Achmad
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b. Moderator Paparan Publik b. Moderator for Annual Public
Tahunan: Expose:
Fajar Wayong – PT Bursa Efek Fajar Wayong – PT Bursa Efek
Indonesia Indonesia
c. Moderator Konferensi Pers c. Moderator for Pers Conference
1. Fajar Wayong – PT Bursa Efek 1. Fajar Wayong – PT Bursa Efek
Indonesia Indonesia
2. Ainul Yaqin – Corporate & Marketing 2. Ainul Yaqin – Corporate &
Communication Head Perseroan Marketing Communication Head of
the Company
d. Daftar Hadir Paparan Publik d. Attendance List for Annual Public
Tahunan: Expose:
Paparan Publik Tahunan Perseroan The Annual Public Expose of the
dihadiri oleh 159 (seratus lima puluh Company was attended by 159 (one
sembilan) orang; hundred fifty nine) persons;
Partisipan yang hadir terdiri dari The attending Participants consist of
Manajemen Perseroan, Investor/ the Management of the Company,
Pemegang saham, analis pasar modal, Investors/Shareholders, capital
anggota bursa, media massa serta market analysts, members of the
publik/masyarakat; stock exchange, mass media as well
as the public;
Daftar hadir terlampir. Attendance List is as attached.
e. Daftar Hadir Konferensi Pers: e. Attendance List for Press
Conference:
Konferensi Pers dihadiri oleh 91 The Press Conference was attended
(sembilan puluh satu) orang yang by 91 (ninety one) persons
merupakan perwakilan wartawan media constituting the representatives of
nasional; journalist of national media;
Daftar hadir terlampir. Attendance List is as attached.
3. Susunan dan jalannya Acara: 3. Schedule and proceedings of the
Event:
1. Moderator membuka sesi paparan publik 1. The Moderator opens the public expose
pada pukul 09.05 WIB dengan session at 09.05 Western Indonesia
memperkenalkan narasumber Perseroan; Standard Time by introducing the
speakers of the Company;
2. Pemutaran Video Profile Perseroan; 2. The Screening of the Company’s Video
Profile;
3. Bapak Arief Ismail selaku Direktur 3. Mr. Arief Ismail as the Compliance
Kepatuhan merangkap Sekretaris Director, concurrently serving as the
Perusahaan membuka acara sekaligus Corporate Secretary, opened the event
memperkenalkan jajaran manajemen and introduced the Management of the
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Perseroan. Sejalan dengan Roadmap Company. In line with the Roadmap for
Pengembangan dan Penguatan Perbankan the Development and Strengthening of
Syariah Indonesia, serta berpedoman pada the Indonesian Sharia Banking, as well as
POJK 2/2024 tentang Penerapan Tata having been guided by POJK 2/2024
Kelola Syariah bagi Bank Umum Syariah regarding the Application of Sharia
dan Unit Usaha Syariah, pada Semester I Governance for Sharia Commercial Banks
2025 Perseroan melakukan pemenuhan and Sharia Business Units, on Semester I
kewajiban dengan penambahan seorang of the Year 2025, the Company carried
anggota Dewan Pengawas Syariah, out the fulfilment of obligation by adding
sehingga saat ini Dewan Pengawas one Member of the Sharia Supervisory
Syariah berjumlah tiga orang. Board, therefore, the Sharia Supervisory
Board currently consists of three
individuals.
Beliau kemudian melanjutkan dengan He, then, continued by presenting a
memaparkan sekilas profil Perseroan, glimpse of the Company profile, followed
selanjutnya Target Market, Visi dan Misi, by the Target Market, Visions, and
kemudian Profil Nasabah Perseroan dan Missions, and then, the Customers Profile
dampak sosial dari pembiayaan yang of the Company and the social impact of
diberikan dimana dari hasil portrait provided finacing which from the result of
nasabah yang dilakukan, terdapat the conducted customer’s portrait, there
perubahan positif pada kondisi nasabah are positive changes on the conditions of
yang sudah lebih dari lima tahun bersama the customers who have been with the
Perseroan; Company for more than five years;
4. Mr. Fachmy Achmad as the Director
4. Bapak Fachmy Achmad selaku Direktur presented a glimpse regarding the Macro
memaparkan sekilas tentang kondisi Economic conditions in which he
Makro Ekonomi dimana beliau explained that the challenges to serve
menjelaskan bahwa tantangan untuk Micro, Small, and Medium Businesses
melayani segmen Usaha Mikro Kecil segment were still noticeable. However,
Menengah masih terasa. Namun demikian, in the midst of such challenging
ditengah kondisi yang masih menantang, conditions, the Company remained
Perseroan tetap berhasil mencatatkan successfully recorded good financial
kinerja keuangan yang baik pada posisi 30 performance as per June 30, 2025.
Juni 2025.
Beliau kemudian melanjutkan paparan He, then, continued the expose by
dengan menyampaikan posisi Perseroan presenting the position of the Company
diantara para pesaing usaha, dilanjutkan among its business competitors, and
gambaran mengenai program apresiasi then, the illustration regarding the
bagi nasabah sebagai wujud dari appreciation program for customers as
komitmen Bank untuk mewujudkan niat the manifestation of the Bank’s
baik lebih cepat sekaligus memotivasi commitment to materialize good faith
nasabah dan sentra untuk terus disiplin sooner as well as to motivate the
dalam menerapkan perilaku unggul. customers and the sentra to maintain
Paparan ditutup dengan daftar discipline in applying superior behavior.
penghargaan yang diterima sepanjang The expose was closed with the list of
Semester I 2025, yang merupakan awards received throughout the Semester
pengakuan dan dukungan dari para I of 2025, which constitute
pemangku kepentingan yang acknowledgement and support from the
berkesinambungan terhadap komitmen stakeholders which are sustainable to the
Perseroan untuk tumbuh optimal dan Company’s commitment to optimum and
berkualitas; quality growth;
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5. Sesi Tanya jawab dipandu oleh Moderator; 5. The Questions and Answers Session was
guided by the Moderator;
6. Penutupan Paparan Publik Tahunan oleh 6. The Closing of the Annual Public Expose
Bapak Fachmy Achmad. by Mr. Fachmy Achmad.
4. Tanya Jawab Paparan Publik Tahunan 4. Questions and Answers of the
Annual Public Expose
Ringkasan atas Pertanyaan dan Jawaban The Summary over the Questions and
selama acara berlangsung adalah Answers during the proceedings is as
sebagaimana disebutkan dalam summary referred to in the summary below.
dibawah ini.
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4. Tanya Jawab pada Paparan Publik Tahunan/Question & Answer Annual Public Expose
No. Nama & Institusi/ Pertanyaan / Question Tanggapan Perseroan /
Name & Institution Response of the Company
1. Anonymous Attendee Bagaimana kualitas aset dalam Fachmy Achmad
Perseroan? Karena saya melihat Menyampaikan bahwa secara kualitas aset Perseroan telah lebih baik
adanya perbaikan signifikan dalam dibandingkan tahun lalu di tengah tantangan dari eksternal. Hal ini
kualitas aset dan kapan Perseroan karena Perseroan berfokus pada perbaikan internal dan juga memiliki
akan mulai agresif lagi dalam kualitas nasabah yang baik yang kemudian menyebabkan net
penyaluran pembiayaan? Disini tentu financing loss membaik. Perseroan juga tetap menerapkan prinsip
agresif harus diikuti dengan prudence kehati-hatian dimana Loan Provision Coverage meningkat dari 142%
dan memperhatikan kualitas-kualitas pada Semester I 2024 menjadi 248% pada Semester I 2025.
kredit Perusahaan
Dalam menanggapi pertumbuhan adalah sebagaimana disampaikan
How is the asset quality in the pada paparan bahwa model bisnis yang dijalankan Perseroan adalah
Company? Since I see that there is group model dan saat ini terdapat peningkatan attendance rate dari
significant improvement in the asset kumpulan nasabah, namun demikian belum mencapai angka yang
quality and when will the Company diharapkan oleh Perseroan. Oleh karena itu, saat ini Perseroan masih
start to be more aggressive in akan melihat beberapa leading indicator dan pertumbuhan
distributing its financing? In this pembiayaan diharapkan dapat terjadi di tahun 2026, tentunya dengan
context, certainly the aggressive tetap memperhatikan dan menjaga kualitas.
stance must be companied by
prudence and must have due regards Arief Ismail
to the credit quality of the company Menyampaikan bahwa Perseroan juga akan secara terus menerus
memantau kondisi ekonomi makro untuk melihat peluang
pertumbuhan. Sebagaimana disampaikan pada paparan Manajemen
bahwa menjaga kualitas adalah hal yang utama sehingga strategi
pertumbuhan adalah untuk mencapai kinerja dan dampak yang
optimal, baik bagi Perseroan maupun bagi nasabah.
Fachmy Achmad
Presents that in terms of asset quality, the Company is in much better
condition compared to last year in the midst of external challenges.
This is due to the Company focusing on internal improvement and
also possessing good quality customers which in turn resulted in
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improving net financing loss. The Company also continues applying
the prudential principle in which Loan Provision Coverage increases
from 142% in Semester I of 2024 to become 248% in Semester I of
2025.
In responding to the growth, as has been presented in the expose
that the business model carried out by the Company is group model
and at the present time, there is an increase in attendance rate from
the group customers, however, it has not yet reached the figure
expected by the Company. Therefore, the Company will still observe
several leading indicators, and financing growth is expected to take
place in the year 2026, certainly by continue observing and
maintaining quality.
Arief Ismail
Presents that the Company will also continuously monitors the
macroeconomic condition to discern growth opportunity. As presented
in the Management Expose that maintaining quality is the primary
matter, therefore, growth strategy will be to achieve optimum
performance and impact, both for the Company and the customers.
2. Tsani P - Investor 1. Bagaimana outlook kinerja BTPS? Fachmy Achmad
Kapan laba bersih bisa mencapai 1. Menyampaikan bahwa untuk mencapai all time high dipengaruhi
all time high? oleh 2 (dua) faktor utama, yaitu pertama adalah pertumbuhan
2. Terkait dana buyback sekitar aset dan kedua adalah menjaga kualitas. Pada awal tahun 2025,
Rp900 miliar, berapa yang sudah laba bersih Perseroan diproyeksikan flat namun, alhamdulilah,
digunakan? Bank berhasil mencatatkan dua digit pertumbuhan laba pada
Semester I 2025. Pada intinya, Perseroan terus berkomitmen
1. How is the performance outlook untuk melakukan upaya berkesinambungan untuk mencapai
of BTPS? When will the net profit kinerja terbaik.
be able to reach all time high?
2. In relation to the buyback fund of 2. Sehubungan dengan realisasi aksi korporasi pembelian kembali
approximately Rp900 billion, how saham Perseroan dalam kondisi pasar yang berfluktuasi secara
much of it has been utilized? signifikan atau buyback, disampaikan bahwa sampai hari terakhir
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periode pelaksaaan buyback kemarin (Selasa, 9 September 2025),
Manajemen tidak melaksanakan buyback karena harga saham
BTPS yang terus menunjukkan kinerja baik.
Fachmy Achmad
1. Presents that to reach all time high, it is influenced by 2 (two)
main factors, i.e., the first one is asset growth and the second is
maintaining quality. In the early 2025, the net profit of the
Company is projected to be flat, however, all praise be to Allah,
the Bank successfully recorded two-digit profit growth in
Semester I of 2025. Basically, the Company is committed to carry
out continuous efforts to achieve the best performance.
2. In relation to the realization of corporate action in the repurchase
of shares of the Company in the significantly fluctuating market
condition or the buyback, it is conveyed that up to the last day of
the buyback period which is yesterday (Tuesday, September 9,
2025), the Management did not carry out buyback since the price
of the shares of BTPS continuously demonstrating good
performance.
3. Ryanto The - Investor Apakah bisa di-share seperti apa Fachmy Achmad
rencana pembiayaan yang “upgrade”
dari ultra micro? 1. Menyampaikan apresiasi dan berterima kasih telah mengikuti
perkembangan BTPS.
Dimana program tersebut akan mulai 2. Selain itu disampaikan bahwa pada awal tahun 2025, Manajemen
dijalankan di akhir tahun dan telah menyampaikan strategi pembiayaan tahun 2025, yaitu:
bekerjasama dengan induk, a. Pertama, Bank memperkuat dan meningkatkan kualitas
PT Bank SMBC Indonesia Tbk pembiayaan segmen pra sejahtera produktif;
b. Kedua, sinergi dengan perusahaan induk PT Bank SMBC
Can you share which financing plan Indonesia Tbk (selanjutnya disebut “SMBCI”) melalui
that would be upgraded from ultra leveraging segmen nasabah yang menjadi strength dari
micro? SMBCI (middle up).
Where the program aforesaid will be 3. Bank memiliki inisiatif internal untuk meningkatkan kapabiltas
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started to be carried out at the end of nasabah-nasabah ultra mikro atau “upgrade” sehingga eligible
this year and would it be in menjadi nasabah indivual financing (dari sebelumnya group
cooperation with the parent company, financing).
PT Bank SMBC Indonesia Tbk
Bank telah melakukan implementasi terbatas untuk inisiatif ini dan
memantau kualitasnya. Jika menunjukkan keberhasilan, Bank
akan melakukan ekspansi lebih lanjut.
Fachmy Achmad
1. Express his appreciation and gratitude for following the
development of BTPS.
2. In addition, it is conveyed that in the early 2025, the
Management has presented the financing strategy in the year
2025, which are:
a. First, the Bank strengthens and improves the financing quality
for productive underprivileged segment;
b. Second, the synergy with the parent company, PT Bank SMBC
Indonesia, Tbk (hereinafter will be referred to as the
“SMBCI”) through leveraging the customers segment which
becomes the strength of SMBCI (middle up).
3. Bank has internal initiatives to improve the capabilities of ultra
micro customers or “upgrade” them; therefore, they are eligible
to become individual financing customers (from previously group
financing customers).
The Bank has carried out limited implementation for these
initiatives and monitored their quality. If it indicated success, the
Bank will carry out further expansion.
4. Patricia Abigail – Bagaimana outlook pertumbuhan DPK Fachmy Achmad
Publik/Public (Dana Pihak Ketiga) tahun ini? Menyampaikan bahwa Manajemen memutuskan untuk lebih
konservatif dalam penyaluran pembiayaan. Dalam konsep pembiayaan
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How is the growth outlook of DPK yang lebih prudent, strategi pertumbuhan dana pihak ketiga (DPK)
(Third Party Fund) this year? akan disesuaikan dengan kebutuhan pembiayaan tersebut. Lebih
lanjut, sebagaimana yang telah dijelaskan pada paparan, Bank juga
memiliki aset kas dan setara kas yang hampir sama dengan total
pembiayaan yang disalurkan.
Secara umum dapat disampaikan bahwa strategi pertumbuhan DPK
akan sejalan dengan strategi pertumbuhan pembiayaan, mengingat
Bank juga memiliki likuiditas yang kuat.
Arief Ismail
Menyampaikan bahwa pertumbuhan pendanaan akan menyesuaikan
dengan kebutuhan pembiayaan. Selain itu pembiayaan Bank
didukung oleh para pemilik dana yang memiliki kesamaan aspirasi
dengan Bank, yaitu untuk mensejahterakan masyarakat Indonesia.
Fachmy Achmad
Presents that the Management decided to be more conservative in the
distribution of financing. In a more prudent financing concept, the
growth strategy of third party fund (DPK) will be adjusted to the
needs of such financing. Moreover, as has been explained in the
expose, the Bank also has cash and cash equivalent assets which
almost equals to the total distributed financing.
In general, it can be conveyed that the growth strategy of DPK will be
in line with the financing growth strategy, considering the Bank also
has strong liquidity.
Arief Ismail
Presents that the funding growth will adjust to the needs of financing.
In addition, the Bank’s financing is supported by the fund owners
possessing common aspiration with the Bank, which is to improve the
welfare of the Indonesian community.
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5. Penutup 5. Closing
Paparan Publik Tahunan ditutup oleh Bapak The Annual Public Expose is closed by Mr.
Fachmy Achmad. Manajemen menyampaikan Fachmy Achmad. The Management extends
apresiasi atas dukungan para pemangku the appreciation over the support of the
kepentingan terhadap Perseroan. stakeholders to the Company.
Adapun key points yang disampaikan adalah Whereas the presented key points are as
sebagai berikut: following:
1. BTPN Syariah akan terus berfokus 1. BTPN Syariah will continue focusing on
melayani segmen masyarakat pra dan serving inclusive underprivileged and
cukup sejahtera inklusif, dan konsisten sufficiently privileged community
dalam membangun empat perilaku unggul segment, and will be consistent in
nasabah sejalan dengan visi dan misinya developing four superior customers’
untuk mengubah hidup berjuta rakyat behavior which are in line its vision and
Indonesia, memberikan kesempatan untuk mission to change the life of millions of
tumbuh dan hidup yang lebih berarti; Indonesian people, which will provide the
opportunity to grow and a more
meaningful life;
2. BTPN Syariah akan berfokus pada 2. BTPN Syariah will focus on the distribution
penyaluran pembiayaan yang sehat of healthy financing with strong ratios,
dengan rasio-rasio yang kuat, based on prudent banking and good
berlandaskan prudent banking dan prinsip- governance principles to support the
prinsip tata kelola yang baik untuk growth of sustainable businesses.
menunjang pertumbuhan bisnis yang
berkelanjutan.
Paparan Publik Tahunan dan Konferensi Pers The Annual Public Expose and Press Conference
ditutup pada pukul 10.10 WIB was closed at 10.10 Western Indonesia
Standard Time.
Demikian laporan ini kami sampaikan. Terima Thus therefore, we convey this report. Thank
kasih. you.
11
Names mentioned 21 people and organisations named in the text · linked when the evidence is strong
unresolved
org
Syariah Tbk
p.1
unresolved
org
PT Bursa Efek Indonesia Perubahan Peraturan Nomor I-E
p.1
unresolved
org
PT Kliring Penjaminan Efek
p.1
unresolved
org
PT Kliring Indonesia
p.1
unresolved
org
PT Kustodian Sentral Efek
p.1
unresolved
org
Sentral Efek Indonesia
p.1
unresolved
org
Indonesia Stock Exchange
p.2
unresolved
person
Dr. Ide Anak Agung Gde Agung
p.2 ×2
unresolved
org
Bank Umum Syariah
p.4
unresolved
org
PT Bank SMBC Can
p.8
unresolved
org
Indonesia Tbk
p.8
unresolved
org
Fachmy Achmad. Manajemen
p.11
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