20240730_BTPN_Laporan Informasi dan Fakta Material_31689194_lamp3.pdf

In the company's efforts to increase credit distribution, especially in potential sectors, Bank BTPN
continues to maintain its credit quality. Bank BTPN's gross non-performing loan (NPL) ratio was at 2.21%
as of the end of June 2024, lower than the industry average of 2.34% at the end of May 2024.

Bank BTPN also maintains liquidity and funding ratios at a healthy level, with a liquidity coverage ratio
(LCR) reaching 234.9% and a net stable funding ratio (NSFR) of 115.6% as of June 30, 2024. The company
recorded a strong capital adequacy ratio (CAR) of 28.8%.

Bank BTPN's efforts to generate net interest income have also increased, reflected in the net interest
margin (NIM) that rose to 6.41% at the end of June 2024 from 6.33% a year earlier. Bank BTPN's net
interest income also rose by 17% yoy to almost Rp7.0 trillion on June 30 amidst still-high interest rates.

The increase in net interest income drove operating income (consolidated) to grow by 18% yoy to Rp8.2
trillion.

Bank BTPN's net profit after tax (consolidated) attributable to owners of the parent entity was recorded
at Rp1.2 trillion at the end of June 2024, lower by 15% yoy. This decrease in net profit occurred due to an
increase in credit costs of 46% yoy, or Rp540 billion, following the acquisition of OTO Group.

The decrease in net profit also occurred due to a 26%-yoy increase in operating costs to Rp4.6 trillion, in
line with the growth in business volume and initiatives that Bank BTPN is working on.

Developing Digital Capabilities Relevant to Current Financial and Lifestyle Trends

Bank BTPN, a pioneer of digital banking in Indonesia through Jenius, consistently develops digital
capabilities to ensure easy and secure access to various financial solutions. These efforts are the
foundation that makes Jenius a life finance solution for digital-savvy communities.

Since its launch in 2016, Jenius has continued to present customer-centric innovations. The features that
Jenius presents through the Jenius Debit Card, Jenius Credit Card, Save It, Jenius Paylater, and Flexi Cash
are able to answer the needs of digital-savvy communities in managing their finances and achieving their
goals.

Armed with solutions that are relevant to customer behavior, Jenius has succeeded in growing the number
of registered users by 21% yoy to 5.8 million as of the end of June 2024, from 4.8 million the previous
year. Total credit distribution (Flexi Cash, Digital Micro, Jenius Credit Card, and Jenius Paylater) also
increased by 134% yoy to Rp3.1 trillion, from Rp1.3 trillion. Third-party funds managed by Jenius also grew
by 10% yoy to Rp27.2 trillion.

Sustainable Initiatives to Create a More Meaningful Life


          PT Bank BTPN Tbk berizin dan diawasi oleh Otoritas Jasa Keuangan (OJK), Bank Indonesia (BI), dan merupakan peserta penjaminan LPS.

In order to provide a wider positive impact on society, Bank BTPN continues to strengthen the company's
focus on sustainable initiatives through the Daya program. Each program in Daya is designed to be
relevant to the needs of the target community groups through four main pillars, namely financial literacy,
self-capacity development, business capacity building, and sustainable living.

The Daya program has reached more than 6.3 million total beneficiaries through 4,905 activities from
January to June 2024.

"This empowerment program complements the financial and financing solutions that we present to
enable more customers and the community to have a more meaningful life," concluded Henoch.



                                                                          ***

For further information:

PT Bank BTPN Tbk
Andrie Darusman – Communications & Daya Head
Email: andrie.darusman@btpn.com or corporate.communications@btpn.com

Hill & Knowlton Indonesia
Maghfira Tabrani - Manager
Email: maghfira.tabrani@hillandknowlton.com

Bank BTPN in brief
PT Bank BTPN Tbk (Bank BTPN) is a foreign exchange bank and is a merger between PT Bank Tabungan Pensiunan Nasional Tbk
(BTPN) and PT Bank Sumitomo Mitsui Indonesia (SMBCI) in February 2019. Bank BTPN serves various segments in the banking
industry, from retail to corporate customers, including retirees, micro-, small- and medium-sized enterprises (MSME) and
productive underprivileged communities; the consuming class segment; and the corporate segment. Bank BTPN provides the
services through business units, such as BTPN Sinaya—a business unit for wealth management, BTPN Purna Bakti—a business
serving retirees, BTPN Micro Business—a business unit serving microbusinesses, BTPN Business Banking—a business serving
small- and medium-sized enterprises, Jenius—a digital banking platform serving the consuming class segment, and the corporate
business unit, which serves national, multinational, and Japanese companies. Bank BTPN also has a subsidiary, namely PT Bank
BTPN Syariah Tbk, which focuses on serving productive underprivileged customers. Bank BTPN also regularly provides training
sessions and information for customers through the Daya Program—a sustainable and measurable empowerment program—to
improve customers’ capacity so they can grow and have a chance to live better.




            PT Bank BTPN Tbk berizin dan diawasi oleh Otoritas Jasa Keuangan (OJK), Bank Indonesia (BI), dan merupakan peserta penjaminan LPS.