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Page 1
Analyst Briefing FY 2024
Page 2
01 About Bank SMBCI 02 Bank SMBCI Business Activities 03 Banking Industry Overview 04 3Q 2024 Financial Performance 05 CSR & Awards
Page 3
Bank SMBCI Profile (Consolidated)
as of 31 December 2024
32 Provinces & 200 Cities
Total Aset IDR 241.1 Trillion
Corporate Ratings •• Fitch Ratings: ‘AAA(idn)’; Stable Outlook
Pefindo: ‘idAAA’; Stable Outlook
Extensive Network • SMBCI: 241** * According to POJK number 12/POJK.03/2021 regarding Commercial Banks,
Payment Points are excluded from the details of the office network.
• BTPN Syariah: 46*** (MMS*: 1,542)
Across Indonesia • OTO & SOF: 416
SMBC:
91.05%
BCA: 1.03% BNI: 0.11% Public: 7.81%
• SMBCI: 6,491
Resilient
• BTPN Syariah: 14,412
Resources • OTO & SOF: 8,479
• SMBCI: 6.1 million
Total Customers • BTPN Syariah: 3.8 million BTPNS:
• OTO & SOF: 1.2 million OTO: 51% SOF: 51%
70%
*Mobile Marketing Syariah
** Jumlah Kantor Cabang Utama & Kantor Cabang Pembantu
*** Jumlah Kantor Cabang, Kantor Fungsional, dan Kantor Fungsional Non Operasional
Page 4
Shareholders
as of 31 December 2024
PT Bank SMBC Indonesia Tbk Nominal
Percentage Number of Shares
Shareholders (in IDR million)
Sumitomo Mitsui Banking 91.05% 9,692,826,975 193,857
Corporation
PT Bank Central Asia Tbk* 1.03% 109,742,058 2,195
PT Bank Negara Indonesia (Persero) 0.11% 12,007,137 240
Tbk**
Public 7.81% 831,369,578 16,627
Total 100% 10,645,945,748 212,919
* Meets the provisions of PP No.29 of 1999 concerning Purchase of Commercial Bank Shares and is a shares resulting from the
conversion due to the Merger with PT Bank Sumitomo Mitsui Indonesia.
** Shares resulting from the conversion due to the Merger with PT Bank Sumitomo Mitsui Indonesia.
Page 5
Board of Directors
as of 31 December 2024
Henoch Kaoru Furuya Darmadi Sutanto Dini Herdini
Munandar Deputy President Director Deputy President Compliance Director
President Director Director
Keishi Kobata Atshusi Hino Merisa Hanna Tantani
Director Director Darwis Director
Director
Page 6
Board of Commissioners
as of 31 December 2024
Marita Alisjahbana
Chow Ying Hoong Takeshi Kimoto Ninik Herlani M. Ridhwan
Independent Commissioner
President Commissioner Commissioner Independent Commissioner
Onny Widjanarko Edmund Tondobala Ongki Wanadjati Dana
Independent Independent Commissioner
Commissioner Commissioner
Page 7
Bank SMBCI’s Value
Customer First Proactive & Speed & Integrity Synergy
Innovative Quality Collaborate as one
Always look at it from As a professional,
the customers’ point Step up and Differentiate ourselves always act with team
of view to provide relentlessly through the speed and sincerity and a high
additional value innovate quality of our decision- ethical standard.
making and service
delivery
Page 8
Goal: To become a Top-Class Full Service Financial
solution provider
Enhance, synergize & expand the business to provide full-banking services, capitalizing digitalization and SMBC group's capabilities
Further Growth Drivers
Corporate Individual
SMBC G's capabilities
Deepening
Enhance products /service by
digitalization and leveraging SMBC
Large corporate High-net-worth group companies’ capabilities
Corp Japanese Wealth Management
Whole Sale
Cross- Digitalization
sell
Realize SMBCI Group’s eco-system by
Scale-up Digitalization
Mid-sized corporate • Seamless products and services including
Large SME / Commercial
group companies’ services
Jenius • Effective customer acquisition channel
SME Consumer Finance • Pursue operational excellence
SME Middle-class
Micro business
owners productive Mass market
poor BTPN Syariah Inorganic strategy
for scale-up
SMBC ‘s Global Support Digital Banking
Page 9
BTPN Syariah Profile
as of 31 December 2024
Our Journey FY 2024 Performance
• Established in 2010 as BTPN Sharia Unit; massive roll-out in 2011
• Spin-off as PT BTPN Syariah on 14 July 2014 Serving ̴ 7 mn customers, Coverage ̴ 268.7k communities,
• Listed as PT BTPN Syariah Tbk on 8 May 2018 ̴ 3.81 mn active in ̴ 2,650 sub-disctrics
• 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 Assets NPF ROE ROA
• Today: Spread across 26 provinces, with ~14.4k employees (~ 96%
female and ~ 52% high school graduates) 21.7trillion 3.7% 12.6% 6.3%
• Rating: AAA (idn) Fitch with stable outlook confirmed in March 2024
Serving Sumatera, Java, Nusa Customer by Maturity Composition*
Cycle
Tenggara, Kalimantan and Sulawesi
Ticket Size*
Financing Composition*
*based on outstanding
Page 10
01 About Bank SMBCI 02 Bank SMBCI Business Activities 03 Banking Industry Overview 04 3Q 2024 Financial Performance 05 CSR & Awards
Page 11
Retail Banking
Retail Banking Group
International
Include Retail Lending Business, Wealth Management Banking, Digital Banking
Acceptance
Global Access and
Acceptability
Strong online & offline
market presence with
advanced payment
systems
Value Digital
Proposition Banking
Hassl Convenience Execution Strategy
Integrated personal banking services
e Using Jenius as a platform & Secure
Free Balancing ease of use
Easy & quick and transaction
access to loan
origination
security
• Right Pricing • Introduce new Loan &
Competitive Fee based Products
Pricing • Grow Diversified Income
• Execute Banking as a
t
Investmen
• Diversified & Healthy Expand
Value for money relationship
Achieve services (BaaS)
Portfolio Quality
Sustainable Products • International Benefits &
• Managed Lines of Costs Profitability & Services Integrated Service
Channels
Brand Building
Engagement
Ecosystem &
& E2E Process
Marketing &
Digitalization
Partnership
Accelerated
Continuous
Innovation
Excellence
People
Strong
Key More Customer &
Business • Grow acceptance
Transaction
• Jenius as Digital
Drivers through partnerships Build Digitalization Platform for all
Innovation
IT &
with major online/ offline Life products
merchants Finance • End-to-end Digitized
• Develop strong Solution Processes
payment & acquiring
capabilities
Management Agile & Aggressive
Discipline Synergic & Result Oriented
Page 12
Jenius
About
A Simpler, Smarter, and Safer Way to Manage Your Life
& Finance, Simply from Your Smartphone
Value "Life finance solutions that help digital savvy to manage
Proposition their life and finance to achieve their dreams and aspiration
through innovation”
Key
Features Send It $Cashtag e-Wallet Jenius Visa
Center Credit Card
Simpler Life Pay Me Jenius QR Jenius Pay Foreign
Currency
Dream Maxi Saver Flexi Cash Moneytory
Smarter Saver
Finance
Card Flexi Saver Split Bill Split Pay
Center
Safer • Powered by Bank SMBCI, registered and supervised by the Financial Services
Transaction Authority (OJK) and members of the Indonesia Deposit Insurance Corporation
s (LPS).
• Secured by the latest encryption & technology
• Layered level authentication for peace of mind
Page 13
Jenius
About Simple
More than 5.9 million Jenius registered users • Your life finance access in one touch
spread in 38 provinces across Indonesia • Manage your life finance in 3 easy steps
• Saving, payment, transactions, investment connected all in
one place
287k
followers
577M Smart
Million Views
114k
page likes
• Can be customized based on your needs and preference
60.9k
followers
26.8 Mn+ installs, • Smartly connected with Indonesia’s Banking Ecosystem
4.1 rating
89.8k 2.7Mn+ installs, • Evolving along with your life growth
followers 4.4 rating
Safe
• Powered by Bank SMBCI, registered and supervised by the Financial
Services Authority (OJK) and members of the Indonesia Deposit
Insurance Corporation (LPS).
• Secured by the latest encryption & technology
• Layered level authentication for peace of mind
Page 14
Jenius
Registered Users continue to increase to ̴5.9 million
362Mn 59.9K
YouTube views followers
5.2
89.2 K 288K
followers followers
22.9 Mn+
installs
114 K
page likes
2.8 Mn+
installs
Page 15
Jenius
New Innovation & Update
Grow and Maximize your Cash Back with Cash Cow
Cash Cow enables Jenius users to quickly receive cash backs from programs and promotions as part
of their Awards level benefits into a dedicated partitioning. With Cash Cow, you can grow small cash
backs into significant savings effortlessly
Develop Healthy Credit Habits with Creditbility
Creditbility is an innovation from Jenius to help users understand and improve their credit worthiness.
Creditbility enables Jenius users to apply for different credit products according to their needs
seamlessly in one go, and also allowing them to manage their existing credit products by
allocating/unallocating credit limits.
Page 16
Jenius
Marketing Campaign
OCTOBER 2024: Welcome Gift 7.89%
In October 2024, Jenius launched saving program, Flexi Rasa Maxi for Jenius
new users with cashback up to 7,89%.
With a savings deposit starting from Rp 10 million, users can get upfront interest of
up to 7.89%. Available with a choice of 6 or 12-month terms.
Page 17
Jenius
Marketing Campaign
NOVEMBER 2024: Funds With Benefit - Features
In November 2024, Jenius launched saving program namely "Funds With Benefits“
Through this program, the more Jenius users save, the more benefits they will get, such as a
higher (competitive) interest rates, various exclusive offers, and special rewards that users can
get through certain savings programs within the Funds with Benefits program.
Page 18
Jenius
Marketing Campaign
DECEMBER 2024: Jenius Carter Pesawat
As a part of the Funds With Benefit program and
celebrate the name change from Bank BTPN to
SMBC Indonesia, Jenius launched Jenius Carter
Pesawat – Japan Edition program. This program
offers special-priced tickets to Japan with a 50%
discount.
Page 19
Jenius
Co.Create Activity Q4 2024
Co.Create On Vol. 6: I Do(n’t) Care: Co.Create On Vol. 7: Zen and The City, Co.Create On Vol. 8: Boarding Soon!
Olah tubuh dan pikiran as self-care Cobain Japanese Culture Seharian! Berani Solo Trip ke Jepang untuk
Explore the Unknown
Date: 05 October 2024 Date: 23 November 2024 Date: 05 December 2024
Time: 07.30 – 11.00 WIB Time: 09.00 - selesai Time: 17.00 - selesai
Venue: Resolute Fitness, CIkini Venue: Blok M- SCBD Park Venue: Spac8, UG Ashta Disctict 8
Speakers: Speakers:
• Hesty Novitasary, M.Psi, Psikolog dari Speakers: • Rizky Pepew, Content Creator
Ruang Tumbuh • Penny Pujianti, Certified • Febri Rusli, Digital Banking
• Coach Putrak, Certified ACT 1APKI & Photografer Product and Innovation Head
Precision Nutrition – Level 1 • Wahyu Wibowo, Ikigai Sharing • Pila, Host
Session
• Chanoyu, Hiragana & Katakana
Workshop by Natieva
30 participants 30 participants 112 participants
Page 20
Jenius
Money Language – Q4 2024
Money Language is an educational talk in a form of a video-podcast that focused on unraveling how individuals
perceive, manage, spend, and treat money, with the aim of understanding how their financial behavior reflects on their
way of life and provides insights into their self-perception. https://www.jenius.com/pages/money-language
VOLUME 5 - Applying Japanese Financial Wisdom in Indonesia with Kenji Sato
This volume featured an engaging discussion with Kenji-san, also known as
@Kencampur, a Japanese content creator who has immersed himself in
Indonesian culture. The discussion highlighted ways to balance daily necessities
with long-term investments, offering a fresh perspective on financial
management inspired by Japanese cultural values.
VOLUME 6 - Dream vs Reality of Owning a House with Rayssa Dynta
This volume delves into Rayssa Dynta’s inspiring journey of building a house
with the innovative concept of “Rumah Tumbuh,” which focuses on gradual
growth and adaptability. Rayssa’s story goes beyond design and structure—it
emphasizes making realistic financial decisions that align with current needs
while preparing for the future. This volume offers valuable insights for Gen Z
and Millennials who often question whether homeownership is attainable in
today’s economic climate, providing practical takeaways for aspiring
homeowners.
Page 21
Jenius
Money Language – Q4 2024
VOLUME 7 - Exploring the Joy of Solo Traveling with Fahmi Maulana
In this volume, we had an insightful discussion with Fahmi Maulana, also known as @jadiginimi, about the unique
aspects of solo traveling that go beyond merely traveling alone. Fahmi views solo traveling as an opportunity to
embrace freedom, find happiness in small moments, and embark on a personal journey of self-discovery—all while
maintaining a smart financial mindset. Through this volume, we explored whether solo traveling is truly worth the
investment and how to enjoy the experience without exceeding financial limits.
Page 22
Wealth Management Business
Digital Wealth Campaign in Jenius
Free Subscription Fee & Switching Fee for Year-End Travel Secure Program
Mutual Fund transaction
Cashback Program BNI Asset Management
Page 23
Wealth Management Business
Sinaya Prioritas Privileges
Travel Insurance Priority Pass
Launched in Dec 2024 – an eligible priority
Launched in Dec 2024 – an eligible priority customer will
customer will receive international & domestic
can enjoy 1 year Priority Pass digital membership
travel insurance with spouse and 2 children with
including free airport lounge visit up to 8x.
total benefit up to Rp 1,5 bio. Total takers as of 31
Total takers as of 31 Dec 24 is 43 NOC.
Dec 24 is 16 NOC.
Page 24
Wealth Management Business
Launched New Investment Product
Launched New Bonds Product
INDON54N, Coupon rate 5.150% p.a and Matured 10 Sep 2054
Page 25
Business Banking
Business Model UVP Target Market
Financial Solution Access to Market
Simple-flexible-fast Open access to the
financial services: market: Access to marketing
• Loan products • Supply Chain Financial and business network
(PRK, PB, Financing untuk Solution expansion
memudahkan
SMEs (under individual
PAB/Investme
nt Loans) Nasabah dalam names and PT
• Asset Based berhubungan dengan Company) with annual
Financing supplier dan buyer
Custumer sales turnover between
Product Business IDR 2,5 bio and IDR 500
Growth Success bio
Business Owner
Capacity Development
• Mitra Bisnis Info
• Mitra Bisnis Club
Page 26
Business Banking
Complete Features for Easy Company Management
A Simple Touch For Your Business Multi-Layer Transaction Set Limits According to Needs
Transaction approval flow that can be Ease of setting daily transaction limits up to 10
adjusted according to the Company's Billion online
function and needs.
Soft-Token Security Complete Information
Ease of transaction approval with Soft- Access complete Current Account and Loan
Token on your smartphone's TOUCHBIZ Facility information from the Dashboard
Application.
https://touchbiz.btpn.com/
Access Management Transaction Notification
Ease of setting access for each Get real-time notifications for every
account and adding accounts transaction activity
online
TOUCHBIZ is now available for SME
Corporate customers - June 2024 Designed for Corporate Needs
Page 27
Consumer
Consumer Gathering
Gathering – Export
– Export Import Import Community
Commmunity
Gathering Event SMBC
highlighting Export &
Import opportunity in
SME business owner
Objective:
Support SME Business in
conducting export business
by Introducing USD loan
and Forex products
YOGYAKARTA SEMARANG
22 November 2024 6 December 2024
Participant: 24 potential customers Participant: 40 potential customers
Page 28
Corporate Banking
Corporate/Wholesale Banking Group includes Corporate/Wholesale Banking, Commercial Banking, Transactional Banking,
Supply Chain Financing and Wholesale Funding
UVP Products and Services
Robust capabilities
Unique business
Hedging Products (*): Funding Products: Loan Products:
and knowledge • • Bilateral and Syndication Loas (IDR,
related to the model through
IRS/CCS • ESG Deposit
• Forex Transactions EUR, and JPY)
product network and
•
• Green Deposit
SMBC brand Government Bonds to FI/NBFI Clients • Project/Structured Finance
(*) But not limited to the above products • ECA
Enterprise • Green Loan/Sustainability Linked
Solutions Cash Management Products: Funding Loan (SLL)
Business • Current Account, Term
Deposits Domestic, Export and Import
• Payment (ACH, RTGS, Lending Trade Products:
Treasury
Strong support Payroll, Wires) CB/WB • Import LC Issuance / Import
from group for • E-Tax Payment (non-import
FCY funding Products & Bill Negotiation
and import) • Export LC Advising /
• Collections (ACH, RTGS, Cash Service Trade
Target Segments Management Finance Confirmation / Export Bill
Payroll, Wires, Cheque/Giro Coverage Collection
Collection) • Documentary Collection (DP,
Target Company under Corporate/Wholesale Banking
Group: • Virtual Account DA)
• Internet Banking/ Host-to Supply
1. Local Companies Chain • Trust Receipt / Trade Loan
2. MNC
Host • Structured Trade Finance
Financing
3. State-owned Enterprises
• Liquidity Management • Receivable Purchase
(Domestic Cash Polling, Supply Chain Financing • Bank Guarantees / SBLC
4. Bank and Non-Bank FI
Auto TD Placement, Cross Products: • Avalization
5. Commercial Companies
Border Pooling) • Distributor Financing • Bank Guarantee Online
6. Japanese Companies
• Auto Debit • Supplier Financing
7. Korean Companies
• Lending Program
Page 29
Corporate Banking Japanese
CBD and DAYA
Empowerment Programs for Customers
CBD Japanese and DAYA Initiatives:
• Seminar and Webinar Program Focus to business, healthy lifestyle, self-development, and finance.
• Joint Efforts in Q4 2024: 6 Empowerment Mini Seminars for Japanese corporate customers
Event Details:
1. 3 (three) Automotive components and equipment manufacturer company
• Participants : with total 293 participants
• Topic : Financial Topic
2. FMCG Company
• Participants : 48 participants
• Topic : Financial Planning for Employees to Work More Productively and Happier
3. IT Company
• Participants : 31 participants
• Topic : Building Goals and Resilience at Work
4. Manufacture of medical Devices Company
• Participants : 47 participants
• Topic : Building good money habits for a peaceful life
Key Insights:
Focus on Financial Health: Continues to be the favourite subject due to its relevance to daily activities.
Positive Feedback: majority survey respondents rated their satisfaction between 4.4 – 4.78 out of 5,
highlighting the seminars relevance and the quality of interactions with speakers.
Page 30
Wholesale Banking Group
SMBCI’s achievement in supporting Sustainable Business Activities in Indonesia
SMBC Indonesia as Lead Arranger Refinancing SMBC Indonesia provided Social Loan for a Non-
202 Facility UPC Sidrap Wind Energy (First Wind Bank Financial Institution that focuses on
0 Power Plant in Indonesia) in total amount of socioeconomic advancement and empowerment for
MSMEs and unbanked target population.
loan USD 114.7 million.
SMBC Indonesia provided a Green Dealer Financing
SMBC Indonesia as security agent and SMBC as to facilitate the distribution of electric vehicle (EV).
lender Cirata Floating Power (Largest Floating SMBC Indonesia provided a Green Account Payable
Solar Power Plant in Indonesia). UPC Sidrap Bayu Energi, First Wind Financing for a company operating in the ICT sector, Signing of SLL PT Indo-Rama
Power Plant in Indonesia. (2020)
2021 SMBC Indonesia as sole lender Green Loan in the
enabling them to supply equipment related to Synthetics Tbk (2024)
renewable energy.
amount of IDR 1.06 trillion to PT Kepland SMBC Indonesia provided a Sustainability Linked-
Investama for refinancing of Green Property loan for PT Indo-Rama Synthetics Tbk to support its
certified building. decarbonization journey and to adopt
SMBC Indonesia as Mandated Lead Arranger of environmentally responsible practices.
Syndicated Sustainability-linked Loan in the SMBC Indonesia and SMBC are mandated as
amount of IDR 4.15 trillion and IDR 2.74 trillion to Coordinating Mandated Lead Arranger and
PT Semen Indonesia & PT Solusi Bangun 2024 Bookrunner and Lead Green Loan Coordinator for PT
2022 Indonesia. Cirata Floating Power Plant, Largest
IMG Sejahtera Langgeng (IMGSL) syndicated loan of
US$450 million. This syndication includes a green
Floating PP in Indonesia (2021)
SMBC Indonesia as Green Loan Coordinator for tranche of US$225,8 million to support IMGSL’s effort
the Syndicated Green Loan Facility in total towards a greener economy through the EV
amount of USD 750 million to PT Perusahaan ecosystem. This syndication involves 32 lenders in
Listrik Negara. total.
SMBC Indonesia provided Sustainability-linked Loan
SMBC Indonesia as Mandated Lead Arranger & for 2 agriculture companies to support their
Bookrunner (MLAB) for the syndicated facility for sustainability initiatives, including to reduce carbon
PT Air Bersih Jakarta (ABJ) in the total amount of emissions intensity and adopt environmentally
IDR 8.87 T for construton of clean water network responsible practices in agricultural sector.
2023 pipes in DKI Jakarta. SMBC Indonesia provided Green Loan for 3 leasing
companies to support their environmentally friendly
SMBC Indonesia as Mandated Lead Arranger Signing of Syndicated Credit PT Air business activities, e.g. provision of clean
Bersih Jakarta (2023)
(MLA) for Syndicated Sustainability-linked Loan transportation and its infrastructure.
facility for PT Sarana Multi Infrastuktur (Persero) SMBC Indonesia provided Social Loan for a Non-
in the total amount of USD 700 Mio. Bank Financial Institution that focuses on affordable
housing.
Page 31
Wholesale Banking Group
Collaboration in DAYA’s initiated An Empowerment Program
The Wholesale Banking Group and DAYA initiated an empowerment
program for its customers by providing them with an opportunity to
grow and have a more meaningful life through webinars or offline events
with topics ranging from business, healthy lifestyle, personal
development as well as finances.
October 3rd 2024, DAYA SMBC Indonesia collaborated with one of the
largest property company in Indonesia attended by 458 participants
sharing about the power of growth mindset in-order-to support personal
mental health with the customer satisfaction index (CSI) stated that from
the scale of 1-5, the program reached 4,5 scale of satisfaction number
November 19th 2024 a CSR Collaboration Program implemented with
one of the leading food and beverage company with 66 participants who
are active women in running micro business related to food and
beverage. The collaboration was a seminar that talking about managing
money to achieve their family’s dream. This program reached 4,86 from
the scale of 1-5 of customer satisfaction index (CSI).
While, November 28th 2024 a financial seminar program was given to a
wheat flour producer company talking about an illegal digital loan and
how to manage a salary. This seminar was attended by 31 participants
with the the customer satisfaction index (CSI) reached 4.3 from the scale
of 1-5
Page 32
OTO SOF Events Highlight Embracing Health, Social, and Brand Pillars For the period of October until December 2024, OTO & SOF proudly reflects on a series of impactful events centered around our three core pillars: Health, Social and Brand Activation. These initiatives have not only fostered a sense of community and well-being among our employees, but have also strengthened our connections with external partners and the broader community
Page 33
OTO SOF Health Fostering Wellness Through Sports Activities At OTO-SOF, we recognize that the well-being of our employees is the utmost importance. To promote a healthier lifestyle, we organized a variety of sports from monthly Car Free Day session, weekly fitness classes, yoga session even to team sports tournaments. These events encouraged our employees to stay active and maintain a balanced lifestyle. The enthusiasm and participation in these activities were remarkable, highlighting our commitment to fostering a culture of health and wellness within the company. OTO – SOF Badminton Team OTO – SOF Basketball Team Jakarta Car Free Day
Page 34
OTO SOF Health Fostering Wellness Through Sports Activities OTO and SOF successfully held OTO Ekiden Race For Share 2024 event, as a road to 3 decades of OTO. This event remarks the 10th year of OTO Ekiden series, thus the enthusiasm and celebration was positively spread among the employees and business partners. OTO Ekiden Race For Share 2024 was also a break record event which recorded the highest participants and collected donation as well. Through this event, OTO-SOF also successfully collected IDR 778,360,295 that distributed to Palang Merah Indonesia and the upcoming Mangrove Planting project.
Page 35
OTO SOF
Social
Strengthen Corporate Responsibilities
In this period, OTO-SOF dedication to social responsibilities was prominently showcased
during Financial Literacy activities through the Institution and Social Media. These event was
a celebration lifelong learning spirit as we delivered into monthly Financial Literacy Content
& Quiz to attract followers and user to learn or even participates that simultaneously
increased by this year. OTO and SOF also held 2 Financial Literacy events at SMAN 3
Pandeglang, with collaboration with PT Bank SMBC Indonesia Tbk in 4th Quarter 2024
Donation for SMAN 3 Pandeglang to Financial Literacy Quiz & Contents on
Financial Literacy at SMAN 3 Pandeglang support study activitie Instagram
Page 36
OTO SOF Social Strengthen Corporate Responsibilities OTO-SOF held the 2nd Annual OTO Blood Donations in October 2024 as a road to 3 Decades of PT Oto Multiartha. This event successfully collected 320 donors from internal employees and external. On this 2nd annual OTO Blood Donations, OTO-SOF also provided a donations that we received from OTO Ekiden Race For Share 2024 event to Indonesian Red Cross amounting Rp333,000,000
Page 37
OTO SOF Brand Activation Expanding Presence through Events In the realm of brand activation, OTO-SOF made significant strides by participating in Multi-Finance Day 2024, an annual event by Indonesian Finance Companies Association (APPI) that provided exposure and strengthening of our brand to a wider audience. The event was held in Pontianak in October 2024 and successfully raised OTO-SOF brand awareness as we received “The Most Crowded Booth” achievement
Page 38
01 About Bank SMBCI 02 Bank SMBCI Business Activities 03 Banking Industry Overview 04 3Q 2024 Financial Performance 05 CSR & Awards
Page 39
Banking Industry
Loan outstanding increased by 10.8% YoY in Nov’24. Customer Deposits in Nov’24 recorded growth
of 7.5% YoY Loan and Deposit YoY
Indonesia Banking Industry Financial Summary growth Loan Deposit
IDR trillion Nov'23 Dec'23 Nov'24 ∆YoY 11.4% 10.8%
10.4%
9.0%
Total Assets 11,428 11,766 12,335 7.9% 9.0%
7.5%
Total Loans 6,966 7,090 7,717 10.8%
3.7%
Customer Deposits 8,216 8,458 8,836 7.5% 3.4%
CASA 5,137 5,332 5,585 8.7%
Dec'22 Nov'23
Dec'23 Nov'24
Current Accounts 2,527 2,663 2,804 11.0%
Savings 2,610 2,669 2,781 6.5%
NIM & NPL
NIM NPL
Time Deposits 3,079 3,126 3,251 5.6% 4.8%
4.7% 4.5% 4.6%
Net Profit 222 243 237 7.0%
LDR 84.8% 83.8% 87.3% 2.6%
2.4% 2.2%
2.4% 2.3%
NIM 4.9% 4.9% 4.6% -0.3%
NPL 2.4% 2.2% 2.2% -0.2%
CAR 28.0% 27.8% 26.9% -1.1% Dec'22 Nov'23 Dec'23 Nov'24
Source: Indonesian Banking Statistics – Nov 2024, Indonesia Financial Services Authority (OJK)
SPI December 2024 has not released yet
Page 40
01 About Bank SMBCI 02 Bank SMBCI Business Activities 03 Banking Industry Overview 04 2024 Financial Performance 05 CSR & Awards
Page 41
Financial Performance - Consolidated
FY 2024 Key Highlights
In March 2024, SMBC Indonesia completed the acquisition of PT Oto Multiartha (OTO) and PT Summit Oto Finance (SOF) or the OTO Group, as part of the company's strategy to
expand its business. On a consolidated basis, SMBC Indonesia's total assets increased by 20% to IDR241.1 trillion at the end of 2024 and managed to achieve a net profit of IDR2,813
billion in 2024, up 19% compared to the previous year. Without including the impact of acquisitions, NPAT increased by 8% compared to the previous year.
SMBC Indonesia's strong commitment is reflected in its consolidated loan disbursement which increased by 15% to IDR179.4 trillion at the end of 2024. The biggest driving factor
came from retail loan which grew significantly by 31% in result to distribution in the Joint Finance, Jenius, and Micro segments which increased by 389%, 51%, and 40% respectively.
In addition, loan for small and medium enterprises (SMEs) increased by 8%, while on the corporate loan side, interest rate dynamics and tight competition in corporate loan interest
rates are challenges faced in 2024 (corporate lo decreased by 6%). SMBC Indonesia will respond to these market dynamics by managing a more optimal corporate loan portfolio that
is relevant to the needs of corporate customers.
In the midst of the current challenging situation in the ultra-micro segment, the Sharia subsidiary focuses on maintaining financing quality and is more selective in distributing
financing, although loan costs in 4Q-2024 were lower than the same period last year.
Total Third Party Funds increased by 12% to Rp121.3 billion, with current account and savings account (CASA) balances growing 3% to Rp45.6 trillion and total deposits increasing 18%
to Rp75.7 trillion as of the end of December 2024.
The increase in consolidated net profit was driven by a 27% increase in operating income to Rp17.4 trillion, with net interest income increasing 26% to Rp15.2 trillion and other income
increasing 31% to Rp2.2 trillion. Net interest margin (NIM) increased to 7.10% at the end of December 2024 from 6.45% in the previous year.
The increase in net interest income was contributed by an increase in interest income from loans, placement of liquid assets such as securities and net interest income from the OTO
Group. In addition, an increase in credit card transaction volume, and an increase in sales of bancassurance, cash management and trade products contributed to the increase in the
Company's fee income. With the consolidation of OTO Group's operating expense into consolidated figures, operating expense increased by 31% to IDR9.4 trillion. Cost of credit
increased by 28% to IDR3.9 trillion in 2024. The increase in costs is in line with the growth in business volume and other initiatives of SMBC Indonesia.
Gross NPL was recorded at 2.50%, up from 1.36% in the previous year. Together with OTO Group, SMBC Indonesia will continue to implement healthy risk management.
Healthy liquidity and funding ratios are maintained. As of the end of December 2024, LCR was recorded at 253.71% and NSFR at 125.02%.
CAR ratio at a very strong level of 30.02%
Page 42
Financial Performance - Consolidated
Dec'23 Jun'24 Sep'24 Dec'24
Balance Sheet (IDR billion) ∆QoQ ∆YoY
(Audited) (Unaudited) (Unaudited) (Audited)
Liquid Assets 35,487 47,766 43,345 51,652 19% 46%
Loans (gross) 156,561 176,245 175,101 179,405 2% 15%
Total Assets 201,448 235,830 228,584 241,096 5% 20%
CASA 44,188 48,116 38,047 45,590 20% 3%
TD 64,011 70,872 75,349 75,728 1% 18%
Total Customer Deposits 108,199 118,988 113,395 121,318 7% 12%
Borrowings & Subordinated Loan 45,299 54,479 52,828 56,331 7% 24%
Total Liabilities 160,165 183,006 174,877 186,350 7% 16%
Equity *) 41,283 52,824 53,707 54,746 2% 33%
* Including non controlling interests
Consolidated total assets grew 20% YoY to IDR241.1 trillion and loan balance increased by 15% YoY to IDR179.4 trillion.
Customer Deposits reached IDR 121.3 trillion, grew by 12% YoY.
CASA balance increased by 3%.
Page 43
Financial Performance - Consolidated
FY'23 FY'24
Income Statement (IDR billion) 3Q'24 4Q'24 ∆QoQ ∆YoY
(Audited) (Audited)
Net Interest Income 12,044 4,031 4,225 15,208 5% 26%
Other Operating Income 1,689 606 796 2,221 31% 31%
Operating Income 13,733 4,637 5,021 17,429 8% 27%
Operating Expense (7,222) (2,302) (2,970) (9,428) 29% 31%
Cost of Credit (3,050) (1,062) (1,132) (3,897) 7% 28%
Profit Before Tax 3,458 1,130 1,189 4,120 5% 19%
Net Profit After Tax 2,682 879 921 3,216 5% 20%
Net Profit After Tax attributable to Owners of the
2,358 754 819 2,813 9% 19%
Parent
Net Profit After Tax - BTPN Syariah 1,080 219 291 1,061 32% -2%
• Amidst the current challenging situation in the ultra-micro segment, the Sharia subsidiary focuses on maintaining financing quality and is more selective in distributing financing. Cost
of credit in 4Q-2024 were lower compared to the same period last year.
• On a consolidated basis, the increase in cost of credit was reported in line with the entry of OTO Group credit costs after the acquisition. Operating expense increased to IDR9.4 trillion,
in line with the growth in business volume and initiatives being worked on by Bank SMBCI.
• In terms of operating income, Bank SMBCI's efforts to generate net interest income have increased, as reflected in the net interest margin (NIM) which increased to 7.10% at the end of
December 2024 from 6.45% the previous year. Bank SMBCI's net interest income also increased by 26% (yoy) to IDR15.2 trillion amidst still high interest rates.
• With these dynamics, FY 2024 Bank SMBCI posted a consolidated Net Profit (NPAT) attributable to owners of the parent entity of IDR2,813 billion.
Page 44
Financial Performance - Consolidated
Dec'23 Jun'24 Sep'24 Dec'24
Ratios (%) ∆QoQ ∆YoY
(Audited) (Unaudited) (Unaudited) (Unaudited)
NIM 6.45 6.41 6.82 7.10 0.28 0.65
NSFR 113.79 115.61 119.38 125.02 5.64 11.23
LCR 199.68 234.91 225.70 253.71 28.01 54.03
Loan to Funding 102.00 101.60 105.34 100.99 (4.35) (1.01)
NPL (gross) 1.36 2.21 2.16 2.50 0.33 1.14
ROA 1.73 1.61 1.73 1.80 0.07 0.07
ROE 6.54 6.30 6.58 6.83 0.25 0.29
CAR 29.90 28.84 29.77 30.02 0.25 0.12
NIM increased to 7.10%.
LCR and NSFR at healthy levels, LCR at 253.71% and NSFR at 125.02%.
Gross NPL 2.50%.
CAR at 30.02%, proportion of core capital is 90% of total capital.
Page 45
Deposit Growth
CUSTOMER DEPOSITS COMPOSITION
Customer Deposits Dec'23 Jun'24 Sep'24 Dec'24
Rp trillion (IDR billion) (Audited) (Unaudited) (Unaudited) (Audited)
∆YoY
CASA 40.8% 40.4%
37.6% CASA 44,188 48,116 38,047 45,590 3%
Ratio
33.6% Current Account 26,629 29,871 19,980 25,585 -4%
Savings 17,559 18,245 18,067 20,004 14%
119.0 121.3
113.4 Time Deposits 64,011 70,872 75,349 75,728 18%
108.2 16%
15% Total Customer Deposits 108,199 118,988 113,395 121,318 12%
16%
16%
21% CASA balance increased by 3% YoY. CASA ratio decreased to 37.6%
25% 25% 21%
18% as of December 2024 from 40.8% in the same period last year. The
25% 19%
Bank continues to strive to increase CASA growth sustainably.
62% In addition to Third Party Funds, Bank SMBCI has diversified funding
68% 60%
66% 62%
59% 59% sources from bonds, bilateral loans, and interbank loans. SMBCI also
has a long-term loan facility from SMBC.
Bank SMBCI also issued Sustainable Bonds V Phase I Year 2024 with
a principal amount of IDR355 billion in July 2024 and Sustainable
Dec'23 Jun'24 Sep'24 Dec'24
Bonds V Phase II Year 2024 with a principal amount of IDR1,396
TD CA SA
billion in December 2024 as an effort to diversify funding sources
and maintain a better funding maturity profile.
Page 46
Loan Growth by Segment
Dec'23 Jun'24 Sep'24 Dec'24
Loan Growth (IDR billion) ∆QoQ ∆YoY
(Audited) (Unaudited) (Unaudited) (Audited)
Total Loan 156,561 176,245 175,101 179,405 2% 15%
Transforming Businesses: 23,709 23,793 23,753 23,807 0% 0%
- Retail Lending 22,403 22,185 22,012 21,980 0% -2%
- Micro 1,306 1,608 1,741 1,827 5% 40%
Growth Businesses : 132,735 152,340 151,238 155,487 3% 17%
- Corporate & Commercial 104,904 99,534 96,462 98,896 3% -6%
- SME 13,255 14,083 14,459 14,362 -1% 8%
- BTPN Syariah 11,388 10,448 10,331 10,172 -2% -11%
- Joint Finance 1,139 2,526 4,163 5,565 34% 389%
- Jenius 2,049 2,933 3,115 3,198 3% 56%
- OTO & SOF - 22,816 22,708 23,295 3% -
Others 117 112 110 110 0% -5%
Page 47
Asset Quality – Consolidated
Asset Quality Gross NPL Composition by Segment Rp trillion
2.10 3.87 3.76 4.45
3% 4% 6% 7%
% Dec-23 Jun-24 Sep-24 Dec-24
16%
Gross NPL 1.36 2.21 2.16 2.50 42% 36%
46%
31%
Net NPL 0.40 0.92 0.88 1.07
10%
2% 8%
8% 9%
Gross Cost of Credit 2.02 2.09 2.25 2.37 20%
18%
15%
2% 3%
Loan Loss Provision/NPL 220.72 154.11 253.25 247.64 41% 5% 5% 3%
4%
20% 20% 17%
Loan by Collectability (% of Total Loan) Dec'23 Jun'24 Sep'24 Dec'24
Corporate & Commercial Retail Lending Micro SME BTPN Syariah OTO SOF Others
Spc Dec-23 NPL
Jun-24 Sep-24 Dec-24
Spc NPL Spc NPL Spc NPL
Mention
1.36% Mention Mention Mention
2.21% 2.16% 2.50%
4.44%
5.82% 6.18% 6.87%
IDR154.4T IDR174.9T IDR173.8T Current IDR178.4T
Current Loan
Current Current Loan
Loan Loan 92.38%
90.63%
94.20% 92.73%
Note: - NPL calculation using total loan exclude loan to bank
Page 48
01 About Bank SMBCI 02 Bank SMBCI Business Activities 03 Banking Industry Overview 04 3Q 2024 Financial Performance 05 CSR & Awards
Page 49
The embodiment of Bank SMBCI's commitment to continuously improve the
Daya capacity of its customers by providing opportunities for growth and a more
meaningful life.
Customer Segment Program Pillars
Financial Literacy Self-Capacity
Development
High net-worth
Large Corporation
Financial Management Self-Capacity Development
Training for Customers and in Collaboration with Various
Middle class the Community Parties
Mid Size
Corporation
Mass Market
Micro business
Productive Poor Business Capacity Sustainable Life
Business Management Concers for the
Improvement
Training for MSMEs Environment
Participants: 2.266.923 Participants: 2.279.766 Participants: 5.559.215 Participants: 10.324.068
Participants: 1.527.134 Participant: 1.770.299 Participants: 1.410.368 Participants: 1.322.997 Participants: 1.148.097 Participants: 1.698.555 Participants: 1.413.527 Participants: 839.367
Activities: 5.763 Activities: 6.384 Activities: 11.359 Activities: 12.158
Activities: 90.183 Activities: 143.277 Activities: 101.976 Activities: 225.589 Activities: 134.383 Activities: 237.255 Activities: 312.236 Activities: 813.968
December 2024
Page 50
Sustainable Finance
Bank SMBCI has This financing supports the Sustainable Development Goals:
succeeded in increasing
its environmentally
friendly financing Sustainable
portfolio Development
Goals (SDGs)
Bank SMBCI berhasil menambah
6,2% portofolio untuk pembiayaan Number 1 Number 2 Number Number 7 Number Number 10 Number 11 Number 12 Number 13 It is a global action plan
ramah lingkungan. Financing Sustainable 6 Financing 8 Retail, micro Green Infrastructure Regarding agreed by world leaders,
products for food and Clean water products for Financing and SME property financing and Handling including Indonesia, to end
Total pembiayaan ramah the retail, agricultural pipe corporations in products in segment sector waste/recyclin Climate poverty, reduce inequality
micro, MSME financing network the renewable the MSME financing financing g management Change and protect the
lingkungan mencapai 13,7 Triliun and products energy and products products products
financing segment environment.
rupiah. corporate products in electricity
segments Jakarta supply sectors
Bank SMBCI's
role in realizing
sustainable
finance.
Bank SMBCI's Employee Provides 3,639 practical tips The Financial Literacy Program Providing various training In 2023, reduce energy use by 34.2%
Volunteer Activities through regarding entrepreneurship and which was held offline/online related to entrepreneurship through the Work From Home
the Sahabat Daya program health which can be accessed and through digital channels and relevant health to program.
succeeded in planting 625 via Daya.id. succeeded in reaching 2,723,288 people.
mangrove trees. 2,705,138 people from various
circles in Indonesia.
Page 51
2024 Awards 7th Infobank Satisfaction, Loyalty, and Engagement 2024 Jenius from Bank SMBCI has received the “7th Infobank Satisfaction, Loyalty, and Engagement 2024” awards from Infobank Magazine. This event was held to appreciate banks with the best service in maintaining trust, emotional attachment, and loyalty of customers. The assessment was determined from the results of surveys and data studies conducted by Marketing Research Indonesia (MRI). Jenius from Bank SMBCI received eight award categories as follows: 1. The Best Digital Bank in Satisfaction Index 2. The Most Satisfying Digital Bank in Mobile Banking 3. The 2nd Strongest Customer Engagement Digital Bank 4. The 2nd Most Satisfying Digital Bank in Services 5. Top 3rd Rank Digital Bank in Satisfaction, Loyalty, & Engagement 2024 6. The 3rd Best Digital Bank in Brand Interactivity 7. The 3rd Best Digital Bank in Customer Loyalty 8. The 3rd Best Digital Bank in Marketing Engagement
Page 52
2024 Awards
The Asset Triple A Awards 500 Most Outstanding Women 2024
Bank SMBCI has received awards in the “The Asset Triple A The April 2024 edition of Infobank Magazine features the “500 Most
Sustainable Finance Awards 2024” from The Asset, a prestigious Outstanding Women 2024” Forum. This forum is a collection of
financial industry publication media in the Asia Pacific region. female leaders selected by Infobank who are considered to have an
influence on their industry or environment.
Bank SMBCI received two award categories as follows:
The female leaders featured are company leaders from the financial
1. Best Issuer for Sustainable Finance in Indonesia services industry, namely banks, life insurers, general insurers,
2. Best Sustainability Bond in Indonesia multifinance companies, securities, financial technology companies,
and State-Owned Enterprises (SOEs), at the directors and
The awards was achieved through Bank SMBCI's collaboration with commissioners level.
the International Finance Corporation (IFC), which is a member of
the World Bank Group, in an investment of US$ 500 million A number of criteria in determining these leaders are based on
consisting of the issuance of social bonds and green bonds in 2023. performance, consideration of position, experience, character, term
of office, contribution to the company and industry, as well as
considerations of the Infobank Editorial Board.
Bank SMBCI Compliance Director Dini Herdini is in 96th position,
Bank SMBCI Finance Director Hanna Tantani is in 176th position, and
Bank SMBCI Operational Director Merisa Darwis is in 308th position
in the “500 Most Outstanding Women 2024”.
Bank SMBCI Compliance Director Dini Herdini, Bank SMBCI Finance
Director Hanna Tantani, and Bank SMBCI Operational Director Merisa
Darwis are included in the “500 Most Outstanding Women 2024”.
Page 53
2024 Awards
Bank Service Excellence Monitor 2024 13th Infobank Digital Brand Awards
The May 2024 edition of Infobank Magazine features the “Bank Service Bank SMBCI has received awards at the annual “13th Infobank Digital Brand
Excellence Monitor 2024” survey. Awards 2024” event organized by Infobank Magazine.
The survey involved 20 commercial banks, 11 regional development banks, 12 The awards were given based on public assessments and social media users’
sharia banks (6 sharia commercial banks and 6 sharia business units), as well as feedbacks on the bank's digital-based banking products and services. Infobank
10 digital banks which have the best service quality so they were able to provide Magazine partnered with Isentia, a global media intelligence solution provider, in
a satisfying banking experience to customers. determining the awardees.
This series of studies consist of desk research, various qualitative and quantitative Bank SMBCI received four awards as follows:
research, such as in-depth interview, focus group discussion, and online survey. In
addition, usability testing involved various consumer segments to understand the 1. The 3rd Best Conventional Commercial Bank 2024 - KBMI 3 (Common
user experience of digital banking products. Equity above Rp14 Trillion up to Rp70 Trillion) - Asset Rp150 Trillion up to
<Rp200 Trillion
Jenius from Bank SMBCI obtained: 2. The 2nd Best Debit Card Conventional Commercial Bank 2024 – KBMI 3
(Common Equity above Rp14 Trillion up to Rp70 Trillion) – Asset Rp150
1. The 3rd Best Performance of Mobile Banking Bank with Digital Services in Trillion up to <Rp200 Trillion
2023-2024 3. The Best Bank with Digital
2. The 3rd Best Performance of Call Center Bank with Digital Services in 2023- Services - KBMI 3
2024 (Common Equity above
3. The 3rd Best Performance of Chatbot Bank with Digital Services in 2023-2024 Rp14 Trillion up to
4. The 2nd Best Performance of Email Service Bank with Digital Services in 2023- Rp70 Trillion) - Asset Rp150
2024 Trillion up to <Rp200 Trillion
5. The 2nd Best Performance of Live Chat Bank with Digital Services in 2023- 4. The 2nd Best Overall Bank
2024 with Digital Services 2024
6. The 2nd Best Performance of Website Bank with Digital Services in 2023-2024
7. The 2nd Best Performance of Opening Account via Mobile Application/Mobile
Browser Bank with Digital Services in 2023-2024
8. The 4th Best Performance of Social Media Bank with Digital Services in 2023-
2024
Page 54
2024 Awards HR Asia Best Companies to Work for in Asia 2024 Bank SMBCI has received the “HR Asia Best Companies to Work for in Asia 2024” award for the fourth time. The award is dedicated to the companies with the best performance in the field of human resources in Asia. This is reflected in the high level of employee engagement and superior work culture. Bank SMBCI is committed to creating a work culture that provide meaningful change for its employees. One of them is realized through the implementation of the employee value proposition (EVP) in various employer branding activities that focus on employee welfare and development (employee wellbeing), including creating an inclusive work environment that respects diversity (Diversity & Inclusion), and supported by digital-based human resources services.
Page 55
2024 Awards Bisnis Indonesia Corporate Social Responsibility Award 2024 Bank SMBCI has received a Gold Champion award in the “Bisnis Indonesia Corporate Social Responsibility Award (BISRA) 2024”. The award is dedicated to the companies with the best Corporate Social Responsibility (CSR) programs that give significant impact to the community. Bank SMBCI received the award for its program called "Digital Community Empowerment with Daya.id." There were 4 banks participating in the BISRA and Bank SMBCI was the only private bank among more than 40 companies from various industries which received the award. There were five winner categories: Special Mention, Silver Champion, Gold Champion, Platinum Champion, and Top 5 Platinum Champion. The assessment is determined through qualitative data from survey and interview as well as quantitative data based on the Social Return on Investment (SROI) value to measure the program's impact. The SROI value of Daya.id in 2023 was 2.46, indicating that the Daya.id website has generated social value benefits 2.46 times greater than the investment value issued.
Page 56
2024 Awards ASABRI Payment Partner Awards 2024 Bank SMBCI has obtained the Payment Partner Awards from PT ASABRI (Persero). The event is designed to appreciate ASABRI's payment partners for their cooperation and good performance throughout 2023. Bank SMBCI has been collaborating with ASABRI since 2011 in providing services in the form of payment of social insurance benefits and data management of credit facility recipients to ASABRI’s participants. Bank SMBCI received an award in the “Top Performer Partner” category, namely the partner with the best performance in all categories. These categories include timeliness of payment, digital innovation, data and reporting.
Page 57
2024 Awards HR Excellence Award 2024 Bank SMBCI received three awards from the prestigious HR Excellence Award 2024. This achievement demonstrates that Bank SMBCI has successfully implemented excellent human resource management practices in corporate governance. Bank SMBCI won the "Very Good" predicate in three categories: HR Digitization & People Analytics, Employer Branding and Talent Acquisition, and Wellbeing Management. The HR Excellence Award assesses various organizations' human resource management processes and practices. This year marks the 14th event, with the theme "Building Agility and Work Experience". This achievement was attained due to the implementation of the employee value proposition in employer branding activities, which increased public awareness of Bank SMBCI as an employer of choice. Also, contributors to the award victory are the employee wellbeing strategy through the SMBCI Club and the employee assistance program, as well as support for human resource technology through the employee life cycle with various activities.
Page 58
2024 Awards
Corporate Image Award 2024 Fortune Indonesia 100
The August 2024 edition of Marketing Magazine features the Every year in August, Fortune Indonesia, a global business
“Corporate Image Award 2024”. magazine and leadership guide, publishes the Fortune Indonesia
100, a list of Indonesia's top 100 largest companies. The ranking is
Bank SMBCI is in 4th position in the National Bank Category (Assets sorted based on the total revenue achieved by the company.
IDR 150-IDR 500 trillion).
In this year's Fortune Indonesia 100 list, Bank SMBCI was ranked
The award is dedicated to companies with the best corporate image 56th. This is a source of pride because the list is also a symbol of the
in their industry based on an independent survey conducted by company's success and business influence. Aside from that, the
Frontier. The measurement of Corporate Image is based on an index companies on this list are considered as industry leaders who
of five measurement attributes representing four dimensions, contribute to the growth of the Indonesian economy.
namely Quality, Performance, Responsibility, and Attractiveness.
Page 59
2024 Awards 29th Infobank Award 2024 Bank SMBCI has received an award in the "29th Infobank Award 2024" event organized by Infobank Magazine. This event was held to appreciate performance of 32 banks in Indonesia for their "Excellent" title achievement in the "Rating 105 Banks Infobank Version 2024". Bank SMBCI received an award in the Diamond Trophy category for its excellent financial performance in 20 consecutive years (2004- 2023). Bank SMBCI was one of the 10 banks that received the Diamond Trophy.
Page 60
2024 Awards
Top Digital Company Award 2024 Indonesia Most Powerful Women Awards 2024
The October 2024 edition of Marketing Magazine features the “Top Bank BTPN has received a “2024 Indonesia Most Powerful Women
Digital Company Award 2024”. in Optimizing Financing Segment Performance and Funding
Resources Diversification” award.
Bank BTPN is in 5th position in the KBMI 3 Banking Financial
Institution category, Oto Multiartha is in 6th position in the four- The award was dedicated to Bank BTPN Finance Director Hanna
wheeled vehicle financing company category, and Summit Oto Tantani by HerStory, a subsidiary of Warta Ekonomi, in the
Finance is in 5th position in the two-wheeled vehicle financing Conventional Bank category.
company category.
The awards are dedicated to the companies that have created an
This assessment is based on an independent survey conducted on inclusive culture and gender equality by supporting women to be
2,100 respondents spread across all areas in Indonesia. The able to develop and be creative in the work environment. The
assessment parameters are defined as the Digital Company Index assessment indicators used are innovation, proactive and creative,
(DCI). All nominees are assessed using three indicators, namely and image of the figure.
Product Awareness, Customer Touchpoints, and Process Quality.
Page 61
2024 Awards Annual Report Award 2023 Bank BTPN has received an award in the "Annual Report Award 2023" organized by the National Committee on Governance Policy (KNKG). Bank BTPN’s Compliance Director Dini Herdini received the award on Monday (07/10) at the Indonesia Stock Exchange Building in Jakarta. The Annual Report Award 2023 aims to encourage transparency in the disclosure of integrated corporate governance and sustainability practices in the companies’ annual reports. This helps shareholders and stakeholders understand the company's strategic goals and progress in creating sustainable value. Bank BTPN received the award in "Non-State-Owned Enterprises (SOEs) and Non-Regional-Owned Enterprises (ROEs) Financial Companies" category for the quality and transparency of its 2023 annual and sustainability reports.
Page 62
2024 Awards Top 20 Financial Institutions 2024 Bank BTPN has received “Top 20 Financial Institutions 2024” award from The Finance, a subsidiary of Infobank Magazine. The award is dedicated to the companies in the financial industry (banks, life and general insurers, reinsurers, and multifinance companies) that have succeeded in maintaining stable financial performance and growing positively in the last three years or three periods. Bank BTPN received "Excellent" title in the banks with assets of IDR 100 trillion to <IDR 500 trillion category.
Page 63
2024 Awards Mitra BUMN Champion Award 2024 Bank BTPN has received the Mitra BUMN Champion 2024 award in the Large Private Business Class Creditor/Investor category. The Ministry of State-Owned Enterprises (Kementerian BUMN) presents this award as a token of appreciation to partners, creditors/investors, vendors, and customers who have contributed to the Ministry of SOE's performance. In addition, this award is also held with the aim of increasing healthy and inclusive competitiveness. Bank BTPN representative, Wholesale Banking Head Moses Ronald Supardi received the award at an event which was also attended by Deputy Minister of SOE Kartika Wirjoatmodjo, Deputy for Law and Legislation Robertus Billitea, Specialized Staff to the Minister of SOE for Finance and MSME Development Loto Srinaita Ginting, as well as staff, Officials from the Ministry of SOE and the SOE Directors on October 10 at the Borobudur Hotel, Jakarta.
Page 64
2024 Awards Global Corporate Sustainability Awards (GCSA) 2024 SMBC Indonesia has received an award at the “Global Corporate Sustainability Awards (GCSA) 2024”. This event which was held by Taiwan Institute for Sustainable Energy (TAISE), is dedicated to appreciate companies, organizations, and individuals efforts in implementing sustainability principles in running their business operations. SMBC Indonesia received Great Practice rating in the Best Practice Award category. This award is due to the community empowerment program through the Daya.id platform which shows the bank's commitment to sustainability, financial inclusion, and community empowerment. Daya.id is an innovative and effective solution by integrating digital technology to improve financial literacy and support the growth of Micro, Small, and Medium Enterprises (MSMEs), as well as provide more meaningful change for all levels of society.
Page 65
2024 Awards Asia Sustainability Reporting Rating (ASRRAT) 2024 SMBC Indonesia has received a Platinum rating in the "Asia Sustainability Reporting Rating (ASRRAT) 2024". This is the fourth consecutive year SMBC Indonesia received the highest rank in its five years of participation in this event. Daya & Sustainability Development Head of SMBC Indonesia Januar Rusdianto received the award on Thursday (21/11) in Jakarta. The event, which was attended by 70 companies and organizations, was organized by the National Center for Corporate Reporting (NCCR) to appreciate the company's transparency and accountability in sustainability efforts and reporting through the implementation of environmental, social and governance principles in carrying out its business operations. ASRRAT 2024 was also attended by other countries, such as Bangladesh, Philippines, Russia, and Australia. The assessment is based on the level of compliance and quality of sustainability report with Global Reporting Initiative (GRI) standards. There are five award ratings: Platinum, Gold, Silver, Bronze, and White.
Page 66
2024 Awards Infobank Top 100 CEO & The 200 Future Leaders 2024 President Director of SMBC Indonesia Henoch Munandar has received the “Top 100 CEO & The 200 Future Leaders 2024” award from Infobank Magazine. The award is dedicated to appreciate the dedication and contribution of the leaders from the banking industry, life insurance, general insurance, multi-finance companies, State-Owned Enterprises (SOEs), and supporters of the financial sector who are considered to have provided positive results for the companies they lead. Henoch, who won the awards in two categories, namely Bankers of the Year and Top 100 CEO, received the awards on Friday (29/11) in Jakarta. The assessment criteria are based on company performance, size of the company, as well as the leader's achievements, experiences and contributions to the industry.
Page 67
2024 Awards Investing on Climate by Editor’s Choice Award 2024 SMBC Indonesia has received an award at the “Investing on Climate by Editor’s Choice Award 2024”. This event which was held by Editor's Choice, a group of senior editors from various media that focus on climate change investment, is dedicated to appreciate companies’ contribution in advancing investments that support environmental sustainability. Communications & Daya Head of SMBC Indonesia Andrie Darusman received the award on Wednesday (04/12) in Jakarta. SMBC Indonesia received an award in the Best Literacy for Climate Resilience category. This award is due to SMBC Indonesia's dedication in increasing public understanding of steps to deal with the impacts of climate change so that they can provide positive changes for environmental and economic sustainability
Page 68
Thank You
Names mentioned 68 people and organisations named in the text · linked when the evidence is strong
unresolved
org
Bank SMBCI
p.2 ×37
unresolved
org
Bank SMBCI Business Activities
p.2 ×5
unresolved
org
Bank SMBCI Profile
p.3
unresolved
org
PT Bank Sumitomo Mitsui Indonesia.
p.4 ×2
unresolved
person
Deputy
· President Director
p.5 ×2
unresolved
person
Darwis
· Director
p.5
unresolved
org
Bank SMBCI’s Value Customer First
p.7
unresolved
org
PT BTPN Syariah
p.9 ×2
unresolved
org
Syariah Tbk
p.9
unresolved
org
Financial Services Authority
p.9 ×3
unresolved
org
Bank With Core Capital Above IDR
p.9
unresolved
org
Indonesia Deposit Insurance Corporation
p.12 ×2
unresolved
org
Bank Guarantees
p.28
unresolved
org
Bank FI Auto TD Placement
p.28
unresolved
org
Bank Financial Institution
p.30 ×2
unresolved
org
PT Indo-Rama Power Plant
p.30
unresolved
org
Synthetics Tbk
p.30
unresolved
org
PT Kepland
p.30
unresolved
org
PT Solusi Bangun
p.30
unresolved
org
PT Sarana Multi Infrastuktur (Persero)
p.30
unresolved
org
PT Oto Multiartha. This
p.36
unresolved
org
Bank SMBCI's
p.43 ×5
unresolved
org
Large Corporation
p.49
unresolved
org
Parties Mid Size Corporation
p.49
unresolved
org
Bank SMBCI's Employee
p.50
unresolved
org
Bank SMBCI Compliance Director Dini Herdini
p.52 ×2
unresolved
org
Bank SMBCI Finance Director Hanna Tantani
p.52 ×2
unresolved
org
Bank SMBCI Operational Director Merisa Darwis
p.52 ×2
unresolved
org
Bank Service Excellence Monitor
p.53
unresolved
org
Bank Category
p.58
unresolved
org
Bank BTPN Finance Director Hanna
p.60
unresolved
org
Bank BTPN’s Compliance Director Dini Herdini
p.61
unresolved
org
Indonesia Stock Exchange
p.61
unresolved
org
Ministry of State-Owned Enterprises
p.63
unresolved
org
Kementerian BUMN
p.63
unresolved
org
Ministry of SOE's
p.63
unresolved
org
Minister of SOE Kartika Wirjoatmodjo
p.63
unresolved
org
Minister of SOE
p.63
unresolved
org
Ministry of SOE
p.63
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