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LAPORAN PELAKSANAAN
PAPARAN PUBLIK TAHUNAN TAHUN 2024
PT BANK BTPN SYARIAH TBK /
REPORT ON THE IMPLEMENTATION OF 2024 ANNUAL PUBLIC EXPOSE OF
PT BANK BTPN SYARIAH TBK
1. Ringkasan Hasil Paparan Publik 1. Executive Summary
Sejalan dengan penerapan Pedoman Tata In compliance with the implementation of
Kelola Perusahaan Terbuka terkait transparansi Guidelines on Good Corporate Governance for
dan akuntabilitas, serta sebagai bentuk Public Company concerning transparency and
pemenuhan komitmen PT Bank BTPN Syariah accountability, and as the fulfillment of the
Tbk (“Perseroan”) sebagai Perusahaan Publik, commitment of PT Bank BTPN Syariah Tbk
maka merujuk kepada Peraturan Bursa Efek (the “Company”) as a Public Company; in
Indonesia : Keputusan Direksi PT Bursa Efek this regard, referring to the Regulation of the
Indonesia Nomor: Kep-00066/BEI/09-2022 Indonesian Stock Exchange: The Decree of
pada tanggal 30 September 2022 perihal the Board of Directors of PT Bursa Efek
Perubahan Peraturan Nomor I-E tentang Indonesia Number: Kep-00066/BEI/09-2022
Kewajiban Penyampaian Informasi, Perseroan dated September 30, 2022, concerning the
berkomitmen menyelenggarakan paparan Amendment to Regulation Number I-E
publik sekurang-kurangnya 1 (satu) kali dalam concerning the Obligation of Information
setahun, sebagai bentuk upaya Disclosure, the Companny is committed to
berkesinambungan Perseroan dalam conduct Public Expose at least once a year, as
meningkatkan kualitas komunikasi kepada para a form of continued effort in improving the
pemangku kepentingan. quality of communication of the Company to
the stakeholders.
Perseroan berkomitmen terus menghadirkan The Company is committed to continue
layanan terbaik bagi publik dan pemegang delivering excellent services to the public and
saham tanpa mengabaikan prinsip kehati- the stakeholders without neglecting the
hatian dan berperan aktif mendukung stabilitas prudential principle and to actively participate
sistem keuangan. in supporting the stability of the financial
system.
Alhamdullilah berkat kerjasama dengan PT Praise be to Allah, owing to the cooperation of
Bursa Efek Indonesia (BEI), PT Kliring PT Bursa Efek Indonesia (BEI)-Indonesian
Penjaminan Efek Indonesia (KPEI), dan PT Stock Exchange, PT Kliring Penjaminan Efek
Kustodian Sentral Efek Indonesia (KSEI) dan Indonesia (KPEI)-Indonesia Clearing and
didukung oleh Otoritas Jasa Keuangan (OJK), Guarantee Corporation, and PT Kustodian
dan bertepatan dengan peringatan 47 Tahun Sentral Efek Indonesia (KSEI)-Indonesia
Diaktifkannya Kembali Pasar Modal Indonesia, Central Securities Depository, and supported
Perseroan telah melaksanakan pemenuhan by the Financial Services Authority (OJK), and
paparan publik tahunan dengan agenda in coincidence with the commemoration of the
Paparan atas Kinerja Keuangan Perseroan 47th Anniversary of the Reactivation of the
(posisi 30 Juni 2024). Indonesian Capital Market, the Company has
fulfilled the annual public expose with the
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agenda of Expose on the Financial
Performance of the Company (as of June 30,
2024).
Penyelenggaraan Paparan Publik ini juga The convening of this Public Expose is also
dimaksudkan sebagai bagian dari peningkatan intended as a part of the efforts to improve
literasi pasar modal yang salah satunya adalah capital market literacy, one of which is by
melalui pengenalan Perseroan kepada investor introducing the Company to the Investors in
di Indonesia dan bertujuan menambah basis Indonesia and is aimed at increasing the basis
investor lokal sekaligus membuka akses dan of local investors and at the same time
hubungan yang lebih luas antara investor opening a broader access and relationships
dengan Perseroan. between the Investors and the Company.
Paparan Publik dan Konferensi Pers The Public Expose and Press Conference of
Perseroan telah diselenggarakan pada: the Company have been held on:
Hari/Tanggal : Selasa, 27 Agustus 2024 Day/Date: Tuesday, August 27th, 2024
Waktu : 10.00 – 11.00 WIB Time: 10:00 – 11:00 Western Indonesia
Standard Time
Tempat : Secara Virtual Venue: Virtually
Penyelenggara Organizer
Gedung Bursa Efek Stock Exchange Building
Indonesia Tower II Lantai 1 Indonesia Tower II, 1st Floor
Jl. Jend. Sudirman Kav. 52-53 Jl. Jend. Sudirman Kav. 52-53
Jakarta 12190 Jakarta 12190
Emiten Issuer
Kantor Pusat Perseroan Head Office of the Company
Menara BTPN Lantai 12 Menara BTPN, 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 Annual
Pelaksanaan Paparan Publik Tahunan tahun Public Expose Implementation Report for the
2024 yang dilanjutkan dengan Konferensi year 2024 proceeded with the Press
Pers. Hadir pada Paparan Publik yaitu dua Conference. Present in the Public Expose were
anggota Direksi selaku narasumber serta two members of the Board of Directors as the
dipandu oleh moderator dari PT Bursa Efek speakers and facilitated by the moderator
Indonesia pada saat Paparan Publik dan from PT Bursa Efek Indonesia during Public
moderator dari Perseroan pada saat Expose and by the moderator from the
Konferensi Pers. Company during the Press Conference.
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2. Peserta 2. Participants
a. Narasumber : a. The Speakers:
Perwakilan Perseroan : The Representatives of the Company:
1. Direktur Kepatuhan & Sekretaris 1. Compliance Director & the Corporate
Perusahaan : Arief Ismail Secretary: Arief Ismail
2. Direktur : Fachmy Achmad 2. Director: Fachmy Achmad
b. Moderator Paparan Publik b. The Moderator of the Annual Public
Tahunan: Expose
Wicky Adrian – PT Bursa Efek Indonesia Wicky Adrian – PT Bursa Efek Indonesia
c. Moderator Konferensi Pers : c. The Moderator of the Press
Conference :
1. Nadin Hendrah – PT Bursa Efek 1. Nadin Hendrah – PT Bursa Efek
Indonesia Indonesia
2. Ainul Yaqin – Corporate & Marketing 2. Ainul Yaqin – the Corporate &
Communication Head Perseroan Marketing Communication Head of the
Company
d. Daftar Hadir Paparan Publik d. Attendance List of The Annual Public
Tahunan: Expose:
• Paparan Publik Tahunan Perseroan • The Annual Public Expose of the
dihadiri oleh 207 (dua ratus tujuh) Company was attended by 207 (two
orang; hundred and seven) persons;
• Partisipan yang hadir terdiri dari • The attendees were consisting of the
Manajemen Perseroan, Investor/ Management of the Company, the
Pemegang saham, analis pasar modal, Investors/Shareholders, the capital
anggota bursa, media massa serta market analysts, the members of the
masyarakat; stock exchange, the press, and the
public;
• Daftar hadir terlampir. • The attendance list is as attached.
e. Daftar Hadir Konferensi Pers: e. Attendance List of the Press
Conference:
• Konferensi Pers dihadiri oleh 8 • The Press Conference was attended by 8
(Delapan) orang yang merupakan (Eight) persons representing the
perwakilan wartawan media nasional; journalists of national press;
• Daftar hadir terlampir. • The attendance list is as attached.
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3. Susunan dan jalannya Acara: 3. The Proceedings and the Agenda:
1. Moderator membuka sesi Paparan Publik 1. The moderator opened the Public Expose
pada pukul 10.00 WIB dengan session at 10:00 Western Indonesia
memperkenalkan narasumber Perseroan; Standard Time by introducing the
speakers of the Company;
2. Pemutaran Video Company Profile; 2. Video Presentation: Company Profile;
3. Bapak Arief Ismail selaku Direktur 3. Mr. Arief Ismail as the Compliance
Kepatuhan merangkap Sekretaris Director & Corporate Secretary of the
Perusahaan membuka acara dan Company opened the event and
memperkenalkan jajaran manajemen dan introduced the composition of the
menjelaskan sekilas profil Perseroan, yang management and presented the brief
dilanjutkan penjelasan terkait Target overview pertaining to the profile of the
Market, Misi dan Visi, Profil Nasabah, dan Company, followed by explaining the
dampak sosial dimana terdapat perubahan Target Market, Mission and Vision, the
positif pada kehidupan nasabah yang telah Customer Profile, and social impact where
lebih dari 5 (lima) tahun bersama dengan there are positive changes in the lives of
Perseroan. the customers who have been with the
Company for more than 5 (five) years.
4. Bapak Fachmy Achmad selaku Direktur 4. Mr. Fachmy Achmad as the Director
memaparkan sekilas tentang kondisi presented brief explanation of
Makro Ekonomi, Kinerja Keuangan Macroeconomics condition, the Financial
Perusahaan posisi 30 Juni 2024, posisi Performance of the Company as of June
Perseroan diantara para pesaing usaha, 30, 2024, the position of the Company
dilanjutkan gambaran mengenai program among the competitors, followed by an
Bestee termasuk pengembangan platform overview of Bestee Program that include
program pembelajaran dan pemberdayaan the development of the platform of
digital terpadu untuk meningkatkan integrated digital learning and
kapasitas nasabah, dilanjutkan kemudian empowerment program aims to increase
program Umroh sebagai apresiasi bagi the customers’ capacity, and further the
nasabah inspiratif dan karyawan Umrah program as appreciation for
berprestasi, dan ditutup dengan daftar inspiring customers and outstanding
penghargaan yang diterima sepanjang employees, and closing by the list of
Semester I 2024 yang merupakan awards received by the Company during
pengakuan eksternal atas komitmen the First Semester of 2024 which
Perseroan untuk senantiasa bertumbuh constitute the external acknowledgment
dengan sehat, bertanggung jawab dan over our commitment to grow healthily,
berkelanjutan; accountably and sustainably;
5. Sesi Tanya jawab dipandu oleh Moderator; 5. Question & Answer session was facilitated
by the Moderator;
6. Penutupan Paparan Publik Tahunan oleh 6. The Closing remarks of the Annual Public
Bapak Fachmy Achmad. Expose by Mr. Fachmy Achmad.
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4. Tanya Jawab Paparan Publik Tahunan 4. Question & Answer of the Annual Public
Expose
Ringkasan atas Pertanyaan dan Jawaban The summary of the Questions and Answers
selama acara berlangsung adalah during the proceedings of the event is as
sebagaimana disebutkan dalam summary presented in the summary below.
dibawah ini.
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5. Tanya Jawab Paparan Publik Tahunan/Question & Answer Annual Public Expose
No. Nama & Institusi/ Pertanyaan / Question Tanggapan Perseroan /
Name & Institution Response of the Company
1. Ibu Kartika Aji Bagaimana tingkat Repayment Rate pada tahun Manajemen menjelaskan bahwa sebagaimana yang telah
(Investor Individu) 2023 dan pada Semester 1 tahun 2024? disampaikan kepada Investor, bahwa secara trend di
akhir tahun 2022 repayment rate Perseroan mencapai
sekitar 94,7%. Repayment Rate pada tahun 2023
mengalami penurunan angka yang mencapai sekitar
92,8% dan secara rata-rata untuk Semester 2 tahun
2023 sekitar 92,9% dan pada tahun 2024 telah terjadi
peningkatan di bulan Juni 2024 yang mencapai 94,0%.
Secara rata-rata untuk Repayment Rate pada Semester 1
tahun 2024 sekitar 93,5%;
Mrs. Kartika Aji How is the Repayment Rate in the year 2023 and The Management explains that as has been presented to
(Individual Investor) in the First Semester of the year 2024? the Investors, whereas according to the trend at the end
of the year 2022, the repayment rate of the Company
reached approximately 94.7%. The Repayment Rate in
the year 2023 experienced a decrease which reached
approximately 92.8%, and in average for the 2nd
Semester of the year 2023 was approximately 92.9%,
and in the year 2024, there has been an increase in June
2024 which reached 94.0%. The average Repayment
Rate in the First Semester of the year 2024 was
approximately 93.5%;
2. Ibu Annis Nurfitri Bagaimana upaya Perseroan membuat masyarakat 1. Manajemen menjelaskan bahwa Perseroan memiliki
(Investor Individu) Inklusi/segment ultra mikro sebagai market utama bisnis model yang unik dimana Perseroan tidak
supaya dapat tetap bertahan ditengah situasi saat meminta nasabah untuk datang ke cabang Bank atau
ini yang serba menantang, dimana situasi ekonomi membayar secara mandiri, namun Perseroan
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yang melambat dan daya beli yang terus mengirimkan karyawan-karyawan ke lapangan untuk
menurun? memberikan pemberdayaan dan layanan Perbankan.
Sehingga Perseroan akan terus memastikan Team
Strategi apa yang dipersiapkan oleh Perseroan kami terus solid dan sesuai dengan bisnis model
untuk meminimalisir dampak dan atas kondisi yang diharapkan.
tersebut?
Atas dasar ini maka Perseroan menambah jumlah
karyawan di awal tahun 2023 sekitar 12.000
karyawan dan saat ini di tahun 2024 karyawan
Perseroan telah mencapai sejumlah 14.500
karyawan. Penambahan jumlah karyawan tersebut
bertujuan untuk memastikan bahwa pelayanan
Perseroan ke masyarakat, maupun proses
maintenance dan collection tetap terjaga dengan
baik.
Saat ini Perseroan juga terus melakukan pelatihan-
pelatihan yang diperlukan untuk memastikan
pemahaman dan kesulitan yang mungkin terjadi.
2. Perseroan memiliki beberapa program bagi nasabah
yang disebut stick dan carrot. Perseroan
menegaskan pentingnya penerapan solidaritas di
sentra dan kelompok yang sempat hilang selama
periode pandemi, dimana sebelum pandemi nasabah
Perseroan cukup kompak, bila terdapat salah satu
nasabah yang sedang mengalami kesusahan maka
nasabah lain akan saling membantu dan uang
solidaritas yang telah terpakai wajib dikembalikan
bila kondisi nasabah yang mengalami kesulitan
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tersebut sudah kembali normal.
Namun demikian selama masa pandemi aktivitas
tersebut tidak terjadi karena pada periode tersebut
tidak terdapat pertemuan rutin sentra (PRS) yang
100% dilakukan, yang mengakibatkan kekompakan
dan solidaritas nasabah menjadi berkurang.
Sehingga pada bulan Maret 2024 ini Perseroan
menegaskan penerapan ulang uang solidaritas di
Sentra dan kelompok dan adanya kewajiban uang
solidaritas yang disisihkan.
3. Perseroan juga memberikan program reward (carrot)
bagi nasabah yang hadir di PRS, rajin membayar
angsuran, dan rajin menabung, maka Perseroan
akan memberikan uang sebagai insentif yang akan
dihitung berdasarkan kehadiran nasabah. Adapun
besaran uang insentif tersebut oleh Perseroan akan
dilihat sebagai “uang jajan anak”.
Selain hal tersebut, Perseroan memiliki program
untuk Sentra/kelompok yang telah diluncurkan pada
akhir Juli 2024. Bagi kelompok yang dinilai menjaga
kehadiran dan kekompakan nasabah, Perseroan
memberikan program reward, seperti arisan/kocokan
di Sentra/kelompok tersebut, jika selama 1 (satu)
bulan mampu menjaga kehadiran dan kekompakan.
Hal akan ini tetap dilakukan meskipun kondisi market
saat ini cukup menantang.
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Perseroan akan tetap menerapkan aturan akuisisi
yang lebih ketat/ lebih hati-hati dan tetap melihat
behavior nasabah sebagai acuan sebelum
memberikan pencairan yang baru.
Perseroan juga melakukan evaluasi atas proses
bisnis, bila melihat prosesnya yang mungkin harus di
sempurnakan/disesuaikan (tweak) agar lebih relevan
dan melihat pentingnya mencegah moral hazard
nasabah. Perseroan juga melakukan proses collection
dengan membentuk specialist collection secara
internal dan juga memulai proses dengan pihak
ketiga dalam rangka collection.
Mrs. Annis Nurfitri What are the efforts of the Company in making the 1. The Management explains that the Company has a
(Individual Investor) Inclusive community/ultra-micro segement as the unique business model in which the Company does
primary market, therefore, they can survive in the not require the customers to come or pay by
midst of the current challenging situation, with themselves to the Bank’s branches, instead, the
slowing down economic situation and declining Company will send its employees to the field to
purchasing power? provide Banking empowerment and services.
Therefore, the Company will continue ensuring our
What strategies have been prepared by the Team to stay solid and conform to the expected
Company to minimize the impacts and such business model.
conditions?
On this ground, then, the Company increased the
total number of employees at the beginning of the
year 2023 for approximately 12,000 employees and
at the present time, in the year 2024, the employees
of the Company have reached totaling to 14,500
employees. Such increase of total number of
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employees is aimed at ensuring that the services of
the Company to the public and the maintenance and
collection process are well maintained.
At the present time, the Company also continues
carrying out trainings which are required to ensure
their understanding and the possible occurring
difficulties.
2. The Company has several programs for the
customers which are referred to as stick and carrot.
The Company emphazises the importance of
solidarity implementation within the centers and
groups which briefly disappeared during the
pandemic period, in which before the pandemic, the
customers of the Company were quite cohesive, if
there were any customers facing difficulties, then,
other customers will help one another, and the
solidarity money which has been used must be
returned if the condition of the customers facing
difficulties aforesaid had returned to normal.
However, during the pandemic period, such activities
have to be halted since in such period there were no
routine centers meeting (PRS) which was previously
100% held, which resulted in the decreasing
comradeship and solidarity among the customers.
Therefore, in March 2024, the Company emphasized
the re-implementation of solidarity money within the
Centers and groups, and the obligation of setting
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aside of solidarity money.
3. The Company also provides reward (carrot) program
for customers who are present at PRS, who diligently
pay contributions, and who diligently pay savings
deposits, then, the Company will provide money as
the incentive which will be calculated based on the
attendance of the customers. Whereas the amount
of such incentive money by the Company will be
perceived as “child’s pocket money”.
In addition, the Company has program for the
Centers/groups which has been launched at the end
of July 2024. For the groups who are considered of
maintaining the attendance and comradeship of the
customers, the Company provides reward programs,
such as arisan/kocokan (rotating savings and credits
clubs) at such Centers/groups, if they were capable
of maintaining attendance and comradeship for 1
(one) month period. This program will continue to be
implemented even though the market condition at
the present time is quite challenging.
The Company will continue applying stricter/more
prudent acquisition rules and will continue
monitoring the behavior of the customers as the
reference before providing new disbursement.
The Company also carries out evaluation over
business process, if the Company found the process
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which needs to be perfected/adjusted (tweak) to be
more relevant and noticed the importance to prevent
moral hazard of the customers. The Company also
carries out collection process by creating specialist
collection internally and also starts the process with
the third party in the framework of collection.
3. Bapak Hubert Silvano 1. Kapan beban CKPN dari Perseroan dapat Manajemen menjelaskan bahwa Perseroan menyadari
(Investor Individu) kembali melanjutkan tren penurunan? bahwa ekonomi pra-sejahtera terutama segmen dari
bank ini mempunyai tantangan yang kuat.
2. Dengan masifnya penghapusbukuan yang
dilakukan, bagaimana strategi Perseroan ke Perseroan menyalurkan pembiayaan yang kualitasnya
depan menyalurkan pembiayaan? sangat bagus sebelum pandemi karena disiplin nasabah
dan sentra sangat kompak sedangkan setelah pandemi
kedua faktor tersebut menurun.
Karena kedua faktor behaviour nasabah dan sentra
kelompok tersebut sangat menantang, termasuk dari sisi
eksternal dilihat dari sisi kondisi ekonomi, sehingga untuk
membuat tren kualitas Perseroan/CKPN Perseroan
menurun agar lebih baik lagi, seperti dapat dilihat dalam
laporan keuangan, Perseroan menjadi lebih selektif
dalam memilih nasabah dengan harapan dapat
mengurangi angka CKPN dan hal ini terlihat dari tren
repayment rate yang sudah mulai membaik dibandingkan
kondisi tahun 2023.
Harapannya dengan konsisten menjaga proses akusisi,
memperkuat proses maintenance dengan konsep
menegaskan pentingnya kekompakan nasabah dan
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memberikan reward bagi nasabah yang disiplin, secara
otomatis proses maintenance menjadi membaik dan
untuk nasabah yang “moral hazard’ kurang baik,
Perseroan akan menyiapkan team untuk collection.
Atas ketiga inisiatif tersebut, Perseroan sangat berharap
tren COC atau CKPN Perseroan akan membaik sehingga
memberikan dampak secara bottom line.
Mr. Hubert Silvano 1. When the burden of CKPN from the Company The Management explains that the Company realizes
(Individual Investor) can resume after the decreasing trend? that the economy of the underpriviledged, particularly
the segment of this bank, faces strong challenges.
2. With the massive write-off being carried out,
what is the strategy of the Company in the The Company distributes very good quality of financing
future to distribute the financing? before the pandemic due to the discipline of the
customers and the centers are very solid, whereas after
the pandemic, these two factors have decreased.
Since these two behavioral factors of the customers and
the group centers are very challenging, including from
the external point of view, observed from the economic
condition perspective, therefore, in order to make the
decreasing quality trend of the Company/CKPN of the
Company to recover, as can be seen in the financial
statement, the Company is becoming more selective in
choosing the customers with the expectation to decrease
the figure of CKPN and this can be seen from the trend
of repayment rate which has improved compared to the
condition in the year 2023.
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It is expected that with the consistent maintenance of
acquisition process, by strengthening the maintenance
process with the concept of emphasizing the importance
of customers solidarity, and by providing rewards for
discipline customers, automatically, the maintenance
process will become improved, and for the customers
with poor “moral hazard”, the Company will prepare a
team for collection.
Over those three initiatives mentioned above, the
Company highly anticipates that the COC or CKPN trend
of the Company to improve, therefore, it will give
impacts in a bottomline manner.
4. Bapak Dedek Bagaimana pandangan Manajemen terkait tren Manajemen menjelaskan bahwa tren ini sejalan dengan
Apriyanto (Investor hapus buku kedepan? Apakah masih fluktuatif atau paparan mengenai kinerja dari nasabah yaitu
Individu) sudah terkontrol dan cenderung akan membaik sehubungan kondisi makro ekonomi dan kondisi nasabah
kedepannya? dan diharapkan dengan semakin membaiknya kondisi
makro ekonomi akan membuat kualitas nasabah menjadi
Dari sisi kebijakan Pemerintah yang baru, bagus dan pada akhirnya dapat menurunkan hapus
bagaimana kebijakan yang akan berjalan buku.
berdampak terhadap nasabah Perseroan? Apakah
telah terdapat pemetaan terkait hal ini? Memperhatikan dateline ekonomi yang diharapkan positif
ditahun-tahun berikutnya, tentunya Manajemen berharap
akan memberikan dampak yang baik bagi nasabah dan
Perseroan dari sisi hapus buku tersebut.
Mr. Dedek Apriyanto How is the view of the Management in relation to The Management explains that this trend is in line with
(Individual Investor) the write-off trend in the future? Is it still the exposure regarding the performance of the
fluctuative or it has been controlled and tends to customers which is in relation to macro economic
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improve in the future? condition and the condition of the customers, and it is
expected that with the improving macro economic
From the perspective of the new Government, how condition will promote the quality of the customers and
will the current policy affect the customers of the in the end will be able to reduce write-off.
Company? Has it been mapped yet?
In view of the economic dateline which is expected to be
positive in the coming years, certainly the Management
hopes to give good impact for the customers and the
Company from the perspective of such write-off.
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6. Penutup 6. Closing
Closing Paparan Publik Tahunan disampaikan The Closing of the Annual Public Expose was
oleh Bapak Fachmy Achmad. Management concluded by Mr. Fachmy Achmad. The
menyampaikan apresiasi atas dukungan para Management expressed its appreciation for
pemangku kepentingan terhadap Perseroan. the support of the stakeholders to the
Company.
Adapun closing remarks adalah sebagai Whereas the closing remarks are as the
berikut: following:
1. Sesuai dengan misi dan visi nya, 1. In line with its mission and vision, the
Perseroan akan tetap fokus melayani Company will continue focusing on
segmen unbankable atau masyarakat pra serving unbankable segment or inclusive
dan cukup sejahtera inklusif, dimana under-priviledged and fairly-prosperous
peluang untuk segmen ini masih besar. communities, in which the probability
Hal ini dikarenakan Perseroan memiliki for this segment is still big. This is
competitive advantages sebagai pionir because the Company has competitive
yang telah memiliki infrastruktur yang advantages as the pioneer who has had
sangat kuat yang telah dibuat sejak masih very strong infrastructure which has
berstatus sebagai Unit Usaha Syariah been built since it was only having the
BTPN; status as BTPN’s Sharia Business Unit.
2. Dilihat dari sisi performance, Perseroan 2. Observed from the perspective of
akan berfokus pada penyaluran performance, the Company will focus on
pembiayaan yang sehat dengan rasio-rasio the distribution of healthy financing with
yang kuat, tentunya dengan berlandaskan strong ratios, certainly based on prudent
prudent banking dan prinsip-prinsip tata banking and good governance principles
kelola yang baik untuk menunjang to support the sustainable business
pertumbuhan bisnis yang berkelanjutan. growth.
Paparan Publik ditutup pada pukul 11.00 WIB The Public Expose was closed at 11.00
Western Indonesia Standard Time.
Demikian laporan ini kami sampaikan. Terima Thus therefore, we convey the above. Thank
kasih. you.
16
Names mentioned 20 people and organisations named in the text · linked when the evidence is strong
unresolved
org
PT Bursa Efek Perubahan Peraturan Nomor I-E
p.1
unresolved
org
PT Kliring
p.1
unresolved
org
KPEI
p.1 ×2
unresolved
org
PT Kliring Penjaminan Efek Kustodian Sentral Efek Indonesia
p.1
unresolved
org
Sentral Efek Indonesia
p.1
unresolved
org
Guarantee Corporation
p.1
unresolved
org
Financial Services Authority
p.1
unresolved
person
Dr. Ide Anak Agung Gde Agung
p.2 ×2
unresolved
person
Kartika Aji
p.6
unresolved
person
Annis Nurfitri
p.6 ×2
unresolved
person
Hubert Silvano
p.12 ×2
unresolved
person
Dedek
p.14
unresolved
person
Dedek Apriyanto
p.14
unresolved
org
Fachmy Achmad. Management
p.16
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