20250730_BTPN_Laporan Informasi dan Fakta Material_31928692_lamp2.pdf

at 15%, Micro at 21%, and the OTO Group at 7%. Meanwhile, corporate and
commercial lending rose 4%, while SME lending declined by 2%.

SMBC Indonesia recorded a 52%-yoy increase in credit costs, reaching Rp2.6
trillion. This rise is contributed by the allocation of loan coverage in the Corporate
and Joint Finance segments. SMBC Indonesia is committed to implementing
prudent and proactive credit risk management amid ongoing credit expansion,
including the allocation of adequate reserves to ensure sustained asset quality.

Total third-party funds stood at Rp109.8 trillion, down 8% yoy. The decline was
driven by a 9%-yoy decrease in current and savings account (CASA) balances to
Rp43.7 trillion and a 7%-yoy drop in time deposits to Rp66.1 trillion. SMBC Indonesia
will continue initiatives and efforts to improve the bank’s capabilities, products and
services in providing investment and transaction solutions for customers to
optimize its CASA and funding costs management.

SMBC Indonesia posted Rp1 trillion in consolidated net profit after tax for the first
half of 2025, down 19% compared to the same period last year. The decline was
attributed to rising credit costs. Operating expenses rose 9% yoy, while operating
income recorded a 11%-yoy increase.

Meanwhile, SMBC Indonesia’s subsidiary, PT Bank BTPN Syariah Tbk (BTPN Syariah)
contributed to SMBC Indonesia’s overall performance with a net profit of Rp644
trillion, up by 16,6% yoy in the first half of 2025.


Jenius Records Strong Performance in Supporting Financial Inclusion
Jenius, SMBC Indonesia’s life finance solution for digitally savvy consumers,
reported solid results in the first half of 2025. Registered users reached 6.1 million as
of June, up 7% yoy, driven by efforts to expand access to practical and inclusive
banking solutions for more consumers.

Jenius also saw third-party funds grow by 15% yoy, reaching Rp31.3 trillion. This
reflects its continued efforts to promote financial inclusion and expand access to
digital banking.

Additionally, Jenius posted strong results in credit distribution. Total credit disbursed
by Jenius rose 13% yoy to Rp3.5 trillion, covering a range of products including Flexi
Cash, Digital Micro, Jenius Credit Card, and Paylater. This reflects the strength of
Jenius’ strategic efforts to broaden the reach of its digital financial offerings to the
public.

In the first half of 2025, Jenius strengthened its position as a leading player in
Indonesia’s digital banking space through a series of new innovations. Notable
launches included the Secondary Market Bond Investment Product, the Jenius
Additional Credit Card (s-Card), Cash Cow, and Pay & Save.

The Daya Program Continues to Drive Sustainable Growth and Community
Development
SMBC Indonesia continued to generate meaningful and sustainable impact for the
wider community through the Daya Program. From January to June 2025, nearly
4.8 million participants benefited from the Daya Program through 4,782
empowerment activities.

SMBC Indonesia’s involvement in the Entrepreneur Hub Financial 2025 program
reinforces its commitment to promoting sustainable economic growth in Indonesia.
Held in collaboration with the Ministry of SMEs and Agung Podomoro University, the
initiative aims to broaden SME access to financing and strengthen business
competitiveness in a rapidly evolving market.

In this program, SMBC Indonesia contributes both as a funding provider and as a
facilitator of financial literacy training and business mentoring. This involvement
reflects the bank’s continued commitment to empowering communities through
the Daya Program, which is accessible via daya.id.

                                                 ***


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 capabilities for a more meaningful life.