20250217_BTPS_Laporan Informasi dan Fakta Material_31862889_lamp1.pdf

                          Perilaku Unggul Dijaga, Kinerja BTPN Syariah Terjaga di 2024


Jakarta, 17 Februari 2025. PT Bank BTPN Syariah Tbk mencatatkan kinerja terjaga sepanjang 2024. Hal ini tak lepas
dari dukungan seluruh pihak dalam membangun perilaku unggul bagi masyarakat inklusi, yakni Berani Berusaha,
Disiplin, Kerja Keras dan Saling Bantu (BDKS).

Bank menyadari dalam melayani masyarakat inklusi dibutuhkan keterlibatan dari berbagai pemangku kepentingan
(stakeholders) terutama dalam membangun perilaku unggul, di mana hal itu menjadi kunci bagi masyarakat inklusi
untuk bertahan dalam berbagai situasi. Bank bahkan memperkuat komitmen ini di seluruh lini operasional dengan
memberikan pendampingan intensif melalui peran #bankirpemberdaya, memberikan insentif, serta apresiasi bagi
nasabah yang konsisten dalam menerapkan perilaku unggul.

#Bankirpemberdaya, khususnya Community Officer (CO) berperan sebagai garda terdepan dalam melayani
masyarakat inklusi secara langsung melalui kumpulan (Pertemuan Rutin Sentra/PRS), memberikan pendampingan
kepada ibu-ibu dengan modul yang relevan sesuai kondisi ultra mikro, sekaligus menjadi role model bagi nasabah
dalam menerapkan perilaku unggul BDKS.

Nasabah pembiayaan yang telah menerapkan BDKS pun menopang kinerja BTPN Syariah di 2024. Kedisiplinan
mereka hadir di kumpulan, serta kesolidan hubungan yang dibangun antar nasabah berperan dalam menjaga
kualitas pembiayaan Bank. Melalui berbagai pendampingan serta insentif dan apresiasi salah satunya berupa
program umrah satu pesawat bagi sentra yang berprestasi, ternyata mampu menjadi penyemangat bagi mereka
hadir kembali di kumpulan yang menjadi wadah bagi Bank dalam memberikan pelayanan dan pemberdayaan.

"Upaya kami membangun perilaku unggul adalah kunci bagi nasabah pembiayaan dapat bertahan dalam situasi
apapapun, kami berterima kasih dengan keterlibatan semua pihak yang telah mendukung fokus kami dalam
melayani masyarakat inklusi terutama di masa menantang ini, sehingga realisasi kinerja BTPN Syariah sesuai
harapan. Alhamdulillah, Bank berhasil mencetak laba bersih mencapai Rp1,06 triliun. Semoga fokus Bank dalam
membangun perilaku unggul bagi masyarakat inklusi dapat berdampak nyata terhadap usaha nasabah ke depannya
dan membuat hidup masyarakat inklusi lebih berarti,” ucap Fachmy Achmad, Direktur BTPN Syariah, Senin
(17/02/2025).

Pada 2024, Bank mencatatkan laba bersih sebesar Rp1,06 triliun dengan penyaluran pembiayaan sebesar Rp10,2
triliun. Sementara, rasio keuangan Bank tetap kuat, di mana Return on Asset (RoA) 6,3%. Selain itu, rasio kecukupan
modal (CAR) 53,2% atau jauh di atas rata-rata industri, sehingga ketahanan BTPN Syariah sangat terjaga.

                                            Tentang BTPN Syariah

BTPN Syariah merupakan satu-satunya bank syariah yang fokus memberdayakan masyarakat inklusi atau mereka
yang belum tersentuh layanan keuangan formal (unbankable). Perempuan menjadi target utama pemberdayaan
karena Bank percaya, bila perempuan berdaya maka keluarga pasti berdaya. Adapun dalam memberdayakan
masyarakat inklusi, BTPN Syariah tetap menjalankan fungsinya sebagai bank dengan menghimpun dana dari keluarga
sejahtera dan kemudian disalurkan sepenuhnya untuk segmen ultra mikro. Dengan demikian, Bank membuka
kesempatan bagi masyarakat umum untuk bersama-sama memberdayakan umat.

Program pemberdayaan ini dilakukan oleh petugas lapangan atau Community Officer (CO). Mereka adalah
#bankirpemberdaya, perempuan muda lulusan SMA yang terlatih dan memiliki motivasi tinggi dalam mendampingi
keluarga prasejahtera produktif di sentra-sentra nasabah dengan mengajarkan empat perilaku unggul, yakni Berani
Berusaha, Disiplin, Kerja Keras, dan Saling Bantu (BDKS). Peran #bankirpemberdaya dalam mendampingi masyarakat
inklusi di berbagai daerah Indonesia dapat dilihat langsung di Instagram @bankirpemberdaya.btpns.

Dengan fokus bisnis tersebut, BTPN Syariah ikut memberdayakan masyarakat inklusi Indonesia. Hal ini terbukti dari
hasil survei Lembaga Demografi Universitas Indonesia (LDUI) terhadap sebagian nasabah BTPN Syariah secara
sampling dan pemantauan internal BTPN Syariah terhadap setiap nasabah. Hasil survei dan pemantauan tersebut
menunjukkan bahwa nasabah yang mengalami kemiskinan ekstrem terus menurun dan jumlah keluarga dengan
anak bersekolah meningkat.

Mari mengambil kesempatan untuk memberdayakan umat melalui BTPN Syariah.

Catatan Penting:
    • BTPN Syariah didirikan pada 2010 sebagai Unit Usaha Syariah BTPN atau saat ini bernama Bannk SMBC
        Indonesia; peluncuran pada 2011
    • Pemisahan sebagai PT BTPN Syariah pada 14 Juli 2014
    • Terdaftar sebagai PT BTPN Syariah Tbk pada 8 Mei 2018
    • Berganti nama menjadi PT Bank BTPN Syariah Tbk pada 4 Juni 2020
    • Resmi menjadi kategori Bank BUKU 3 sesuai dengan persetujuan Otoritas Jasa Keuangan (OJK) pada 7 Juli
        2020
    • Termasuk dalam KBMI 2 (Bank Dengan Modal Inti Di atas Rp6 triliun) pada Oktober 2021
    • Saat ini BTPN Syariah memiliki 14,4 ribu karyawan (96% perempuan dan 53% lulusan SMA) yang telah
        melayani 7 juta nasabah dengan 3,81 juta nasabah aktif di 268,7 ribu komunitas yang berada di 2.650
        kecamatan di 26 provinsi Indonesia
    • Mendapatkan peringkat AAA (idn) Fitch dengan prospek stabil, dikonfirmasi Maret 2024


PT Bank BTPN Syariah Tbk
Ainul Yaqin – Corporate & Marketing Communication Head
Email: ainul.yaqin@btpnsyariah.com

Menara BTPN -12th Floor, CBD Mega Kuningan
Jakarta 12950
Telp: 021-30026400

                 Maintained Outstanding Behavior, BTPN Syariah Performance Secured in 2024

Jakarta, February 17, 2025. PT Bank BTPN Syariah Tbk recorded a maintained performance throughout 2024. This
is inseparable from the support of all parties in building superior behavior for the inclusive community, namely
courage, discipline, hard work, and mutual assistance (BDKS), which means daring to strive, be disciplined, work
hard, and help each other.

The bank realizes that serving the inclusion community requires the involvement of various stakeholders,
especially in building superior behavior, which is the key for the inclusion community to survive in various
situations. The bank has even strengthened this commitment across all lines of operation by providing intensive
assistance through the role of the #bankirpemberdaya (empowering banker), providing incentives, and
appreciation for customers who are consistent in applying superior behavior.

#Bankirpemberdaya, especially Community Officers (CO), play a leading role in serving the inclusion community
directly through gatherings (Pertemuan Rutin Sentra/PRS), providing assistance to women with relevant modules
according to ultra-micro conditions, as well as being a role model for customers in implementing superior BDKS
behavior.

Financing customers who have implemented BDKS also supported BTPN Syariah's performance in 2024. Their
discipline is present in the group, and the solid relationship built between customers plays a role in maintaining the
quality of the Bank's financing.

The trust of funding customers in depositing their funds in BTPN Syariah, which are fully channeled to the inclusion
community, also plays a role in shaping the superior behavior of the inclusion community. Here, funding customers
have taken the right step together to empower the community.

All these efforts are also supported by the role of the government and regulators in empowering the inclusion
community, coupled with various policies that encourage financial inclusion. Therefore, the Bank appreciates the
synergy that continues to be built with all stakeholders in serving the inclusion community.

"We are grateful for the involvement of all parties who have supported our business and efforts in serving the
inclusion community, so that the realization of BTPN Syariah's performance is as expected and all stakeholders are
happy. Praise be to God, the Bank managed to post a net profit of Rp 1,06 trillion in the midst of a challenging
situation for the ultra-micro segment. Hopefully, the Bank's focus on building superior behavior for the inclusive
community can have a real impact on customers' businesses in the future and make the lives of the inclusive
community more meaningful,” said Fachmy Achmad, Director of BTPN Syariah, Monday (17/02/2025).

In 2024, the Bank recorded a net profit of Rp. 1,06 trillion with financing disbursements of Rp10,2 trillion.
Meanwhile, the Bank's financial ratios remain strong, with a Return on Assets (RoA) of 6,3%. In addition, the capital
adequacy ratio (CAR) is 53,2%, which is well above the industry average, ensuring that BTPN Syariah is highly
resilient.

                                              About BTPN Syariah

BTPN Syariah is the only sharia bank that focuses on empowering inclusive communities or those who have not been
touched by formal financial services (unbankable). Women are the main target of empowerment because the Bank
believes that if women are empowered, their families will be empowered. In empowering the inclusion community,
BTPN Syariah continues to function as a bank by collecting funds from prosperous families and then fully channeling
them to the ultra-micro segment. Thus, the Bank opens opportunities for the general public to jointly empower the
people.

This empowerment program is carried out by field officers or Community Officers (CO). They are
#bankirpemberdaya, young women graduated from high school who are trained and highly motivated in assisting
productive underprivileged families in customer centers by teaching four superior behaviors, namely Dare to Start
Business, Discipline, Hard Work, and Solidarity (BDKS). The role of #bankirpemberdaya in assisting inclusive
communities in various regions of Indonesia can be seen directly on Instagram @bankirpemberdaya.btpns.

With this business focus, BTPN Syariah is helping to empower Indonesia's inclusive society. This is evident from the
results of the Demographic Institute of the University of Indonesia (LDUI) survey of a sampling of BTPN Syariah
customers and BTPN Syariah's internal monitoring of each customer. The survey and monitoring results show that
the number of customers experiencing extreme poverty continues to decline and the number of families with
children in school is increasing.

Let's take the opportunity to empower people through BTPN Syariah.

Important Notes:
   • BTPN Syariah was established in 2010 as BTPN's Sharia Business Unit or currently Bank SMBC Indonesia;
       launched in 2011.
   • Separation as PT BTPN Syariah on 14 July 2014
   • Registered as PT BTPN Syariah Tbk on 8 May 2018
   • Changed its name to PT Bank BTPN Syariah Tbk on 4 June 2020
   • Officially became a BUKU 3 Bank category in accordance with the approval of the Financial Services
       Authority (OJK) on 7 July 2020
   • Included in KBMI 2 (Banks with Tier 1 Capital above IDR6 trillion) in October 2021
   • BTPN Syariah currently has more than 14,400 employees (96% female and 53% high school graduates)
       serving 7 million customers with 3.81 million active customers in 268,700 communities located in 2,650
       sub-districts across 26 provinces in Indonesia.
   • Secured Fitch's AAA (idn) rating with stable outlook, confirmed March 2024


PT Bank BTPN Syariah Tbk
Ainul Yaqin - Corporate & Marketing Communication Head
Email: ainul.yaqin@btpnsyariah.com

Menara BTPN -12th Floor, CBD Mega Kuningan
Jakarta 12950
Tel: 021-30026400