#1bank btpn SMBC A MEMBER OF SMBC Group FY 2022 Results Update#2About BTPN BTPN Business Activities Banking Industry Overview FY 2022 Financial Performance CSR & Awards COVID-19 Update at BTPN pank btpn' A MEMBER OF SMBC Group JANOME#3Bank BTPN Profile (Consolidated) as of 31 December 2022 pank btpn A MEMBER OF SMBC Group Total Assets IDR 209.2 trillion 1.813 outlets* 32 Provinces & 204 Cities * According to POJK number 12/POJK.03/2021 regarding Commercial Banks, Payment Points are excluded from the details of the office network. Total Employees 19,740 (77% Female) Corporate Rating • . Fitch Ratings: 'AAA(idn)'; Stable Outlook Pefindo: 'idAAA'; Stable Outlook Total Customers ~8.8 million customers Note: the decrease in the number of customers was due to the closure of the BTPN Wow service for customers and agents as of 31 December 2022.#4Shareholders as of 31 December 2022 Bank BTPN Shareholders Sumitomo Mitsui Banking Corporation PT Bank Central Asia Tbk PT Bank Negara Indonesia (Persero) Tbk ** Public Treasury Stocks Total Percentages Number of Shares Nominal (in IDR million) 92.43% 7,532,311,297 150,646 * 1.02% 83,052,408 1,661 0.15% 12,007,137 240 5.27% 429,273,229 8,585 1.13% 92,462,798 1,849 100% 8,149,106,869 162,982 * 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. bank btpn' A MEMBER OF SMBC Group#5Board of Commissioners as of 31 December 2022 Chow Ying Hoong President Commissioner bank btpn' A MEMBER OF SMBC Group Takeshi Kimoto Commissioner Ninik Herlani M. Ridhwan Independent Commissioner Irwan M. Habsjah Independent Commissioner Edmund Tondobala Independent Commissioner Ongki Wanadjati Dana Commissioner#6Board of Directors as of 31 December 2022 Henoch Munandar President Director Kaoru Furuya Deputy President Director bank btpn A MEMBER OF SMBC Group ES Darmadi Sutanto Deputy President Director Dini Herdini Compliance Director Hiromichi Kubo Kan Funakoshi Director Director Merisa Darwis Director Hanna Tantani Director#7Bank BTPN's Values Customer First Proactive & Innovative Always look at it from the customers' point of view to provide additional value Step up and relentlessly innovate Speed & Quality Integrity Differentiate ourselves through the speed and quality of our decision- making and service. delivery As a professional, always act with sincerity and a high ethical standard. pank btpn A MEMBER OF SMBC Group Synergy Collaborate as one team#8Goal: To become a Top-Class Full Service Financial solution provider bank btpn' A MEMBER OF SMBC Group Enhance, synergize & expand the business to provide full-banking services, capitalizing digitalization and SMBC group's capabilities Deepening Corporate INDONESIA INFRASTRUCTURE FINANCE NIKKO PLNKOSICERITIES INDEPEN Large corporate SMFL Scale-up Individual SMBC sinaya prioritas genuS Further Growth Drivers SMBC G's capabilities Enhance products/service by digitalization and leveraging SMBC High-net-worth group companies' capabilities Corp Japanese Whole Sale Wealth Management Cross sell Jenius by PT SUMMIT OTO FINANCE OTO Kredit Motor Mid-sized corporate Large SME / Commercial OTO Kredit Mobil Jenius Consumer Finance by PT. OTO MULTIARTHA Middle- -class SME Micro business owners productive poor Syariah, btpn' BTPN Syariah SME ↑ Mass market . Digitalization Realize BTPN Group's eco-system by Digitalization Seamless products and services including group companies' services Effective customer acquisition -channel Pursue operational excellence Inorganic strategy for scale-up SMBC 's Global Support Digital Banking#9BTPN Syariah Profile as of 31 December 2022 pank btpn A MEMBER OF SMBC Group btpr Our Journey • Established in 2010 as BTPN Sharia Unit; massive roll-out in 2011 • Spin-off as PT BTPN Syariah on 14 July 2014 • • FY 2022 Performance Customer & Coverage Serving 6 mn customers, ~ 4.25 mn active Coverage - 253k communities, in 2,600 sub-districts ~ • • • • Listed as PT BTPN Syariah Tbk on 8 May 2018 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 Today: Spread across 23 provinces, with 12k employees (~95% female and يم 45% high school graduates) Rating: AAA (idn) Fitch with stable outlook confirmed September 2022 • Planned additional teams in 2022 = 80 team (status 100%) Serving Sumatera, Java, NTT, Kalimantan and Sulawesi Banda Aceh Medan Padang Sumatera Pekanbaru Kalimantan Pontianak Jambi Palembang Lampung Jakarta Semarang Bandung Samarinda Palangkaraya Banjarmasin Surabaya Yogyakarta Denpasar Jawa Makossar Mataram Kendari Sulawesi Kupang Nusa Tenggara Assets 21.2 trillion NPF ROE ROA 2.6% 24.2% 11.4% Customers by Cycle Cycle 4 & above; 29% Cycle 1; 32% Cycle 3; 15% Cycle 2; 24% Maturity Composition* 73% 27% 1-2 years 1 year Ticket Size* 54% 46% <IDR 5 mn > IDR5 mn Financing Composition* 84% 16% Repeated Customer New to Bank *based on outstanding#10btpn About BTPN BTPN Business Activities Banking Industry Overview FY 2022 Financial Performance CSR & Awards COVID-19 Update at BTPN#11Retail Banking International Acceptance Global access leveraging SMBC group's international network Participate actively in the ecosystem for strong market acceptance Value Proposition Hassle Free Easy access to financing for immediate needs Digital Banking Integrated personal banking services through a single digital platform Convenience & Security Simple, smart, safe & secured life finance transactions Key Business Drivers Management Discipline Digitalization Innovation Competitive Pricing Value for money relationship Ecosystem Agile & Aggressive People Synergic & Result Oriented Branding pank btpn' A MEMBER OF SMBC Group Retail Banking Group Include Retail Lending Business, Wealth Management Banking, Digital Banking, Branchless Banking & Micro Business Execution Strategy Grow Fee Base • Reduce Fixed Cost Enhanced Business • Get The Right NIM Model Investment Expand Products & Service More Customer & Transaction Complete Banking Transactions •Online/Offline Participation • in the Ecosystem Initiative Inorganic Growth Build Life Finance Solution IT & Innovation More Loan Products •Improve Service Channels Digitalization • Execute Jenius 3.0, Jenius as the platform of All products, E2E Digitized Processes#12Retail Banking Jenius: Value Proposition and Key Features A Simpler, Smarter, and Safer Way to Manage Your Life and Finance, Simply from Your Smartphone jenius Value Proposition "Simpler Life Happier You" pank btpn' A MEMBER OF SMBC Group Jenius + Key Features Send it $Cashtag e-Wallet Center Simpler Life Pay Me One Touch Jenius Keyboard Dream Saver Maxi Saver Flexi Cash Smarter Finance Foreign Currency Mutual Funds Investment Jenius Pay par Jenius Card Center Flexi Saver Split Bill Moneytory Split Pay 1234 5678 1234 5678 VISA ww ■ Powered by Bank BTPN, regulated by OJK, guaranteed by LPS Safer Transactions ■ Secured by the latest encryption & technology ■ Second level authentication for peace of mind#13Retail Banking Jenius: Simple, Smart, Safe More than 4.3 million Jenius registered users spread in 34 provinces across Indonesia 246 Million Views 219k ollowers f 112k page likes pank btpn A MEMBER OF SMBC Group Simple • Your Life Finance access in one touch Manage your Life Finance in 3 easy steps • Saving, payment, transaction connected all in one place 40.3k followers 83.4k followers 18.4+Mn installs, 4.1 rating 2+Mn installs, 4.4 rating Jenius Smart Can be customized based on your needs and preferences Smartly connected with Indonesia's Banking Ecosystem Evolving along with your life growth Safe Powered by Bank BTPN, licensed and supervised by the Financial Services Authority (OJK) and guaranteed by the Deposit Insurance Corporation (LPS). Secured by the latest encryption & technology Layered level authentication for peace of mind#14Retail Banking Jenius: Registered Customers continue to increase to ~4.395 million pank btpn' A MEMBER OF SMBC Group 246 Mn YouTube views 83.4 K followers 112K page likes REGISTERED CUSTOMERS In Thousand 18.4 Mn+ installs 1,212 4,395 4,214 3,995 3,786 3,664 3,056 2,397 A 219K followers Dec'18 Dec'19 Dec'20 Dec'21 Mar'22 Jun'22 Sep'22 Dec'22 2 Mn+ installs Ժ 30.7K followers#15Retail Banking Jenius: New Innovations & Updates NEW FEATURE & ENHANCEMENT Jenius Jenius jeniu Jenius pank btpn A MEMBER OF SMBC Group Jenius Visa Credit Card Jenius from Bank BTPN has launched the latest innovation-Jenius Visa Credit Card--a fully digital credit card that is easy to manage. This innovation is launched to help digital-savvy communities transact and manage cash flow easier. The Jenius Credit Card Visa launch is part of the Jenius FuturEase Fest event. There is much excitement in the Jenius FuturEase Fest event; not only introducing the Jenius Visa Credit Card, but Jenius also held the annual Jenius Co. Creation Week 2022. #langkahkecilhariini bersama Jenius Sekarang bisa kirim mata uang asing instan dan tanpa biaya Remittance Users can send and receive Foreign Currency in real time and without fees to other Jenius users! btprí Jenius Not only that, sending foreign currency can also be done to other banks according to the provisions of the destination bank. You can send and receive up to 7 Foreign Currencies directly from Jenius app.#16Retail Banking Jenius: New Innovations & Updates NEW FEATURE & ENHANCEMENT Rutin investasi dengan Auto Invest Otomatis beli reksa dana harian, mingguan, bulanan. btpr #langkahkecilhariini Kirim Mata Uang Asing ke sesama Jenius gak perlu nomor rekening Prosesnya simpel, cukup pakai $Cashtag $faizmikail Jenius Kirim Jenius pank btpn A MEMBER OF SMBC Group Recurring/ Auto Invest Now Jenius users can invest in mutual funds regularly with Jenius more easily! Besides being able to buy mutual funds, users can also enjoy the following conveniences: Affordable minimum purchase, starting at IDR 10,000. Routine investment is simpler, just activate Auto Invest. Simply choose dozens of products from selected investment managers according to your risk profile. Enhancement of Foreign Currency Feature Transferring Foreign Currency to other Jenius users is easier and simpler. Transfers only need $Cashtag, instant processing available 24 hours, and free of charge! Now the operating hours of buying and selling foreign currencies at Jenius is longer! Users can trade foreign currency from 09.00 to 18.00 WIB.#17Retail Banking Jenius: New Innovations & Updates MARKETING CAMPAIGN & PROJECT Nabung Mulai dari 2 Bulan Dapat Hadiah Langsung di Depan* Berlangsung hingga 31 Desember 2022 TAB jenius.com/pages/flexi-rasa-maxi DI btpn' pank btpn 50+ macam LOCK6 EM 2500 Flexi Rasa Maxi Program The Flexi Rasa Maxi savings program is extended! Not only that, this time users can save with a locking period starting from 3 months! #FlexiRasaMaxi is extended until December 31, 2022! Various prizes ranging from cashback, precious metals, to Toyota Alphard cars await you. Flexi Saver #Flexi Rasas Maxi hadiah LOCK3 CB 2500 CASHBACK Nadiah vedam Bi-Se LOCK12 AL 35M Jenius #langkahkecilhariini bersama Jenius Nabung U$D dapat bunga 2% p.a.* "Bunga dapat berubah mengikuti ketentuan yang berlaku USD Saving Program Besides being able to get a competitive exchange rate, now users can get a savings interest of 2% p.a* specifically for USD Foreign Currency savings! *Interest can change at any time and any changes will be notified to the customer in accordance with applicable regulations. btprí Jenius A MEMBER OF SMBC Group#18Retail Banking Jenius: New Innovations & Updates AWARDS pank btpn A MEMBER OF SMBC Group INDONESIA'S BEST CORPORATE Sustainability Initiatives 2022 Indonesia's Best Corporate Sustainability Initiatives 2022 Category: "CAUSE PROMOTION" Program "#langkahkecilhariini" The Indonesia's Best Corporate Sustainability Initiatives 2022 program is being held for the sixth time by MIX MarComm which is an appreciation given to sustainability initiatives that have been executed by the company (program by program) in 2021 to 2022. INDONESIA BEST DIGITAL FINANCE AWARDS 2022 The Challenging Changes in Business Collaboration through Digital Ero Best Digital Finance Award 2022 Category: Best Digital Finance Category Digital Bank for Development Financial Super App Warta Ekonomi in collaboration with Perspectics is holding the Indonesia Best Digital Finance Awards 2022. This award event aims to support digital catalysis efforts in Indonesia, particularly in the financial sector.#19Business Banking Business Model pank btpn A MEMBER OF SMBC Group Business Banking Group includes SME and Consumer Finance Business Consumer Finance Products FINANCIAL SOLUTION Simple flexible - fast financial services: Loan products (PRK, PB, PAB/Investment Loans) Asset Based Financing Product Financial Growth Market ACCESS TO MARKET Open access to the market: Supply Chain Financing to facilitate customers in dealing with suppliers and buyers Business owner UVP Access to Financial Solution Customer Business Success daya marketing and business network expansion Consumer Finance Joint Financing Asset Based Financing Fintech Refinancing CAPACITY DEVELOPMENT • Mitra Bisnis Info Mitra Bisnis Club SME Target Market dividual names an SMES (under Individual names and PT Company) with annual sales turnover between IDR 2,5 bio and IDR 500 bio Consumer Finance • Multifinance Company . Fintech • Others N Bilateral Loan Underlying Transaction 4 Wheeler 2 Wheeler ⚫ Truck (Light & Heavy). Medical Equipment • Durable Goods SJY Others Asset Based Finance ⚫ Non Collateral#20Business Banking NFS or Non-Financial Solutions is one of the beyond banking proposition which is offered to SME Customers. bank btpn A MEMBER OF SMBC Group The objective of this initiative is to support the SMEs with business insights and knowledge that could benefit them in making new business opportunities and help their business more sustainable. Business Information Provide SMEs with market and business insights to keep them updated and help them getting information that they need for their business Kinerja Sektor Manufaktur Q2 2022 PDB sektor Industri Manufaktur Non-Migas menopang penting pertumbuhan perekonomian di Indonesia pada tahun 2021-2022 dengan tumbuh sebesar 5.47% pada awal tahun 2022 meskipun sempat terkontraksi -2.52% pada tahun 2020 dan tumbuh perlahan pada tahun 2021 sebesar 3.67%. Pertumbuhan PDB Industri Manufaktur Non Migas & Subsektor Pengolahan Tembakau Percetakan (Kertas) October 2022 Manufaktur Non Migas Kinerja Industri Alat Berat Pasar alat berat Indonesia pada tahun 2022 diproyeksikan semakin jaya karena peningkatan sektor pertambangan dan penguatan hargal berbagai komoditas. Ketua Umum Himpunan Industri Alat Berat Indonesia (Hinabi), Jamaludin, menjelaskan terdapat sekitar 2.100 unit alat berat yang akan diproduksi sepanjang kuartal II/2022. Jumlah itu hampir sama dengan produksi kuartal sebelumnya, yakni 2.113 unit. Industri alat berat dikategorikan berdasarkan empat sektor penggunanya, yaitu sektor agro, kehutanan, konstruksi, serta pertambangan. PRODUKSI ALAT BERAT NASIONAL Agra 9.3% November 2022 Tren Belanja Online Masyarakat Indonesia Sistem belanja online di e-commerce semakin dikenal akrab oleh masyarakat Indonesia sehingga menjadi tren belanja online. Berbagai faktor yang mempengaruhi seperti kemudahan sistem pembayaran digital, pemenuhan kebutuhan harian, dan lainnya dalam belanja online. Berbagai marketplace semakin berkembang di Indonesia dan menjadi persaingan yang ketat. Rata Rata Jumlah Pengunjung Bulanan E Commerce (012022) Kullt Alas Kaki Laz 157,2 Jt 132,8 Jt 16048 160,67 16102 162,68 164,31 151,73 151,28 158 159,37 155,00 144.29 146,88 14824 150,45 158,25 (unit) 14105 141,85 43.55 145,98 147,05 PENGGUNAAN ALAT BERAT PADA BERBAGAI SEKTOR 24,7 Jt Tokopedia Shopee Lazada 2019 6.060 2020 3.427 Kehutanan 6.9% 2021 6.740 Semester 1 2022 4.213 Q2 2021 03 2021 Q4 2021 Q1 2022 Q2 2022 Rp Miliar 66 Nilai Ekspor Impor Sektor Manufaktur Non Migas 2021 2022 MANUFAKTUR NON MIGAS 70.503 SUBSEKTOR PENGOLAHAN TEMBAKAU 297,5 290,1 275,7 285,9 63,822 58,473 62.843 50.808 48.672 48.530 46.258 1815 42.466 173.1 41.274 48188 190 38.247 01 2021 G2 2021 Q3 2021 042021 912022 02 2022 SUBSEKTOR PERCETAKAN (KERTAS) 1996 1882 1823 922,1 6 1,896 9618 9376 911,9 Q2 2021 Q3 2021 Q42021 2.033 144,4 022021 Q3 2021 04 2021 150,8 כולם 02 2022 023022 SUBSEKTOR KULIT (ALAS KAKI) 2.336 "Kinerja produksi alat berat sangat dipengaruhi oleh pasar pertambangan, agri, konstruksi, dan perhutanan. Peluang kontribusi pada sektor-sektor tersebut terus berkembang karena diyakini terus bertumbuh penyerapan alat beratnya." Jamaluddin Ketua Hinabi PANGSA PASAR ALAT BERAT INDONESIA Pertambangan 347% 23,1 Jt orami 20 Jt Bukalapak Orami (Pengunjung December 2022 Pasar Industri Otomotif Motor Indonesia Q3 2022 Industri otomotif di Indonesia berusaha menciptakan momentum pemulihan di tahun 2022. Setelah tahun 2020-2021 terpuruk akibat pandemi. Di tahun 2022 adanya Insentif pajak penjualan, vaksinasi yang gencar, pameran otomotif akbar menjadi indikasi bergairahnya kembali industri otomotif nasional setelah bertahan akibat pandemi dalam dua tahun terakhir. Konstruksi 391% Jun Kategori Produk Terlaris 2021 Transaksi E-Commerce Berdasarkan Gender EKSPOR IMPOR ALAT BERAT INDONESIA (unit) 5.406 3.857 3.609 21% JUITED TRACTORS 446 1.190 908 15% Tratado Lainnya 44% HEXINDO 2.279 Ekspor Impor 2020 2021 ●Semester 1 2022 118 KOBELCO 66 2.068 1751 1.673 1.054 4678 471,2 483,3 3687 374,5 012022 Q2 2022 Ekspor Q2 2021 G3 2024 Q42021 012022 Q2 2022 Impor Juta USS Soutc Kemenperin BPS 9% Pulsa & Voucher 23,4% 62% Kategori Terlaris: Fashion & Aksesoris 17,3% Pulse & Veucher Festion & Aksesories Fosenston & Secanakan Kesehatan & Kecantikan 13,9% Alat Rumah Tangga 10,5% "Peningkatan kebutuhan pasar alat berat dan kemampuan produksi lokal yang masih minim sehingga memicu terjadinya impor produk alat berat." Etot Listyono Ketua Umum Perhimpunan Agen Tunggal Alat Berat Indonesia (PAABI) BPS Kemenpein Bink Indonesia Snlapas Ch CNRC Indenstim Kontantoid Kompas.com Makanan 7,7% Olahraga & Hobl 6,6% Gadget & Aksesoris 6,4% Otomotif 4,5% Volume Penjualan Motor Domestik Volume Penjualan Motor Ekspor 71.618 75.481 75.012 71.420 296.334 2022 Jun Jul Agt Sep (Unit) 428.556 84.327 73.521 326.452 71.441 66.105 Jul 376.640 2021 Jun Jul Agt Sep (Unit) 524.821 470.065 Sepeda Motor Favorit Ekspor Berdasarkan Kategori 514.460 Scooter Sport 19,0% 464.614 2022 2021 (Unit) 38% Kategori Terlaris: Fashon & Aksesories Pulse & Voucher Kesehatan & Kecantikan. Agt Kategori, Produk, Waktu Terlaris Saat 8.8 Sep 00 Laz Shopee Health 262.903 Tokopedia Lazada Home & Living Bcouly 14.351 4.595 Home & Living 116.116 Stationery 7.323 Beauty 97.349 Home Appliances 1.178 Home & Living 1.929 Pakaian Wanita 1.186 Sepeda Motor Favorit Dalam Negeri Berdasarkan Kategori & Merek (Domestik) Prime Time Prime Time Prime Time 17:00 08:00 13:00 Terjual 399.080 Terjual Terjual 60.307 13.967 (Produk) Sauce KataData ValidNews | Ginee Scooter Matic 87,5% Honda Beat Honda Vario Yamaha Mio 34,2% 20,8% 12,3% Honda Supra Honda Revo X 15.8% 20,3% Underbone 6,9% Sport 5,5% Yamaha Jupiter 12,4% Honda CBR 31,4% Kawasaki Ninja 11,3% Yamaha Vixion 8.6% 70,2% Underbone 10,8% Sepeda Motor Listrik Populer Berdasarkan Merek (Domestik) GESITS ALVA 3 VIAR EV SERIES Industri kendaraan bermotor listrik berbasis baterai di Indonesia kini tengah mengalami perkembangan positif. Source Kompes | CNN Indonesia Kate Deta BBC Gaikindo#21bank btpn' Business Banking Digital SME: Ease Your Banking Activities with TOUCHBIZ bank btpn' A MEMBER OF SMBC Group % Promo Transfer DIPERPANJANG Hingga 31 Desember 2022 SKN 941 GRATIS 170 Tipe Transaksi Peh spe transaksi yang dinginkan Online SKN Maksimum 300.00000 trans Setap har ka P08.00-13.00 Transfer dengan BI-FAST di TOUCHBIZ Lakukan transfer 24/7 secara real-time hingga Rp250 juta per transaksi di TOUCHBIZ, hanya dengan metode BI-FAST. Online Rp 6.500,- GRATIS RTGS Rp.10.000,- ет RTOS Mr Rp100.000.001, Sapta PT Bank HTPN TEA terdaftar dan diawasi Otoritas Jasa Keuangan (OJK serta dijamin chich Lembaga Penjamin Simpanan (LPS) TOUCHBIZ bank btpn' А МЕЧАТЬ РЕ PT Bank BTPN Tbk berizin dan diawasi Otoritas Jasa Keuangan (OJK), serta dijamin oleh Lembaga Penjamin Simpanan (LPS), RP Rp 1 Live in November 2022 TOUCHBIZ#22Corporate Banking pank btpn' A MEMBER OF SMBC Group Corporate/Wholesale Banking Group includes Corporate/Wholesale Banking, Commercial Banking, Transactional Banking, Supply Chain Financing and Wholesale Funding UVP Products and Services Robust capabilities and knowledge related to the product Unique business Enterprise Solutions Business model through network and SMBC brand Strong support from group for FCY funding Target Segments Hedging Products (*): IRS/CCS . Forex Transactions Treasury (*) But not limited to the above products . daya Cash Management Products: Current Account, Term Deposits Payment (ACH, RTGS, Payroll, Wires) Cash Management Target Company under Wholesale Banking Group: 1. Local Companies 2. MNC 3. State-owned Enterprises 4. Japanese Corporations 5. Bank and Non-Bank FI . E-Tax Payment (non-import and import) Collections (ACH, RTGS, Payroll, Wires, Cheque/Giro Collection) • Virtual Account Internet Banking/Host-to Host • Liquidity Management (Domestic Cash Polling, Auto TD Placement, Cross Border Pooling) . Auto Debit WB Products & Service Coverage Supply Chain Financing Supply Chain Financing Products: • Lending • Trade Finance Loan Products: • Bilateral and Syndication Loans (IDR, USD, and JPY) Project/Structured Finance • ECA . Green Loan/Sustainability Linked Loan (SLL) Domestic, Export and Import Trade Products: . Import LC Issuance / Import Bill Negotiation Export LC Advising/ Confirmation / Export Bill Collection Documentary Collection (DP, DA) . Trust Receipt/Trade Loan Distributor Financing • • Supplier Financing Structured Loan . Structured Trade Finance (Supply Chain Financing) Receivable Purchase Bank Guarantees / SBLC . Avalization • Bank Guarantee Online 6. Commercial Companies#23Corporate Banking CBD Japanese and Daya Jaya btpn SEMINAR ONLINE Money Mindset & Personality to Achieve Financial Goals Personal Financial Program A MEMBER OF CBD & DAYA Prita Ghozie Dapatkan merchandise bagi peserta yang beruntung Per Curswan & CEO ZAP France For Limited Participant Only Link webinar akan diberikan pada hań H dan setelah melakukan pendaftaran FREE WEBINAR Live Event molalui Microsoft Tooms Microsoft Teams Link Pendaftaran atau malalu hamade Kamis 20 Oktober 2022 15.00-17.00 WIB #Bank ETP Tender seta mcn Lennis Fonun Brean LPE dari sumber inspirasi & susp untut pengelosar keangan, pengembangan ban gay hide what Kurung www.dant de browser Anda sekar daya SEMINAR ONLINE Pasar Trainer Mengatur Keuangan di Akhir Tahun Akhir tahun sebentar lagi, mari ikuti webinar Mengatur Keuangan di Akhir Tahun untuk mendapatkan informasi tips merencanakan keuangan di akhir tahun agar tetap nyaman melakukan perayaan akhir tahun dan juga tidak mengorbankan pengeluaran di masa depan. shad Wicaksono Ma'ruf, SE, MM, CFP Menangkan: Voucher giftcard Tokopedia dengan total hadiah Rp1.000.000,- Link Pendaftaran: bit.ly/aturkeuanganakhirtahun Jumat 9 Desember 2022 14.00-16.00 WIB bank btpn' A MEMBER OF SMBC Group mukan informes geye hier sihat, Ruangan dan bisnis beragam tur manarik lainnya In line with BPTN's commitment to increase the capacity to its customers in providing opportunities for growth and improving the quality of life of customers, CBD Japanese and DAYA continuously hold empowerment programs for customers. FY 2022, CBD Japanese and DAYA joint effort, conducted an Online Empowerment Seminar program for several Japanese corporate customers which engaging in Financing company, Manufacture business and IT Business with a total of 1,626 participants and several times webinar series that conduct to all corporate customer during Q4 so that customers can increase and develop their knowledge. Personal financial health, healthy lifestyles, and sustainable living topics have always received. positive responses from participants during the pandemic as the material is relevant on a daily basis. Communication between the speakers and the participants also received positive feedback from those who took the survey.." The level of satisfaction of participants in this program is also very good, from 487 participants who took the survey, 99% strongly agreed that the program was as needed, improved and applicable PT STP et 10.20 daya.id#24Corporate Banking Wholesale Banking Group 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 during this pandemic period through series of webinar events with topics ranging from business, healthy lifestyle, personal development as well as finances. On October 2022, Daya BTPN held webinars for Chemical Distribution Company with 311 participants talked about the importance of good money habit for financial health, Sugar Company with 45 participants discussed about working from heart, one of Real Estate Company with 410 participants shared about the way of increasing business performance through creative problem solving, Webinar Series for various companies of Wholesale Banking Group's customers attended by 180 participants discussing about money mindset to achieve financial goals. December 2022, we held webinars for 163 employees of Car Rental Company for understanding the importance of nutrition to support the employees getting more productive at work. From 249 participants who completed the survey 97% stated that the content is relevant, 98% found the webinar helps to increase their knowledge, and 93% felt the content is applicable and, 96% agreed that the facilitators are experts in their field. daya SNINA XUNG Increasing Business Performance Through Creative Problem Solving Competence Development Program Dapatkan marshandisa bagi peserta yang beruntung. Dapatkan matari dari wearin Live Event melalui Zoom zoom meeting 10 954 4558 4002 Passcode: $75323 DWO Link Webinar: YTPS R. MAGARCON Aditya Kurniawan Saputra Kamis 27 Oktober 2022 10.00 12.00 WIB bank btpn' A MEMBER OF SMBC Group btpn' AMER OF daya 0 SEMINAR ONLINE Work From Heart Dapatkan merchandisa bagi peserta yang beruntung. Dapatkan materi gado seminar ini Putu Andani from Pasar Trainor Live Event melalui Ma Team Microsoft Teams. OD Link Webinar: https://bit.ly/WFHSAMORA atau melalui barcode Jumat 14 Oktober 2022 15.00 16.15 WIB btpn' 4 MPM OF G PTO OTPN Thrindandorit Jerangan DJKL dal Large Par cayaid rumber inspissa & salus tepercay antar pengedaan Rouangan, pengembangon blems, sygeya nip sehat jum www.daja.indd brauser Anda te En die NGAN DARI, dayaid sumber inspirasi & eslun tepercaya маше реплики книжадна дапунг be, art gratis shot un www.heid dari browser Ande sekaran daya Good Money Habit for Financial Health PUSON FINE Progr Перекателькеева besama wing beristro Live Erent melalui Zoom -zoom Link Webinar bech Ma pita Chorie Rebui 12 Oktober 2022 15.00 17.00 WIB btpr daya и помпи в коли прис ewares ng Temata dengan asupan nu y yang tepat dapat membuat tubuh senat dan mencapa hidup yang berkualitas. Ikut seminar dengan pakar gut untuk mendapatkan tips pradonya Hidup Sehat dan Berkualitas Melalui Nutrisi yang Tepat btprí daya Money Mindset & Personality to Achieve Financial Goals Personal Financial Program Deparchidin bag Prita Ghozie Por Landed and Ony skarandra, Mike NGK Dapalkan merchende bag peserta yang beruntung Dapatkan maten dan Live Event alk Microsoft Teams Rabu 21 Desember 2022 14.00-16.00 WIB FREE WEBINAR Live Event melalui Microsoft Teams Microsoft Teams Link Pandaftaran Kamis 20 Oktober 2022 15.00-17.00 WIB M btprí MEMBER OF#25Corporate Banking Wholesale Banking Group - Sustainability Seminar bank btpn' A MEMBER OF SMBC Group Bank BTPN, in collaboration with International Financial Corporation ("IFC"), initiated a sustainability seminar entitled "Pathway to Net Zero Economy" on 27 September 2022 through online means. This webinar was held for BTPN's existing corporate clients to raise our knowledge on the importance of the net- zero commitments as well as promoting financial solutions in support of these commitments from, especially, from clients. The webinar was joined by notable speakers, i.e. Indonesia Financial Services Authority (OJK), CDP & Science-based Target Initiative (SBTi), Environmental Resources Management (ERM), IFC, and SMBC. It was attended by 320 participants, which included clients from across sectors, e.g. manufacturing, energy, agriculture and forestry, mining, construction, and other sectors. From 55 participants who completed the event's post-survey, in average, they state that the overall topics discussed were good and relevant to their company's business activities, and most of the respondents stated they would like to know more about the ESG financial products in the next sustainability seminar. daya Bank BTPN Sustainability Seminar Pathway to bank btpn' A MEMBER OF SMBC Group NET ZERO ECONOMY Moderator: Andini Effendi Master of Ceremony Dedy Mahardika CDP & Science Based Targets initiative Yawar Herekar Environmental Resources Management Pushkala Lakshmi Ratan International Finance Corporation Priya Bellino Sumitomo Mitsul Banking Corporation Selasa, 27 September 2022 Keynote Speaker: Enrico Hariantoro Otoritas Jasa Keuangan 08.30 10.45 WIB In collaboration with LIVE! Zoom Registrasi : bit.ly/BTPNSustainabilitySeminar IFC International Finance Corporation WORLD BANK GROUP Creating Markets, Creating Opportunities PT Bank BTPN Tbk terdaftar dan diawasi Otoritas Jasa Keuangan (OJK), serta dijamin oleh Lembaga Penjamin Simpanan (LPS).#26Corporate Banking Wholesale Banking Group - ESG Financing Achievement in 2022 BUMN PLN CIMB BANK DBS MIZUHO OCBC Bank CHUOB Signing Ceremony Mandate Letter for Financing Commitment USD 750 Million Syndicated Green Loan Facility PT PLN (Persero) PLN ENERGY TRANSITION DAY in Supporting Energy Transition between PT PLN (Persero) and Mandated Lead Arrangers and Bookrrunners Nusa Dua ali, Nember st, 2033 Bum fre с ROMANDES MIZUHO UOB PLN Signing Ceremony Mandate Letter for Financing Commitment USD 750 Million Syndicated Green Loan Facility PT PLN (Persero) in Supporting Energy Transition between PT PLN (Persero) and Mandated Lead Arrangers and Bookrrunners Nusa Dua, Bali, November 1st, 2022 G20 在 www FO bank btpn' Perusahaan Listrik Negara A MEMBER OF SMBC Group Environmentally sound financing syndicated facility of USD 750 million BTPN together with the Bank SMBC Singapore branch and Bank Mizuho Indonesia, have been appointed by PLN as "The Coordinating Mandated Lead Arranger and Bookrunner and Green Loan Coordinator." BTPN and SMBC provided facilities totaling USD 93.75 million, with BTPN's portion of USD 58.04 million (or 7.74% of the total facility). This is the first green term loan facility by PLN, which marks its transition journey towards net zero emission. The success of this agreement is expected to have a constructive impact and positive motivation for other state-owned enterprises (BUMN) to make their transition journey and try to adopt sustainable financing solutions. ☐ This Green Loan can be used by PLN for several green projects, including development of: renewable energy project: ㅁㅁㅁ Solar Wind Power Hydropower (≤ 25 MW or if it exceeds 25MW, with (i) Life cycle emissions of less than 100g CO2/kWh or (ii) Power density greater than 5W/m2) ☐ Geothermal (<100g CO2/kWh) Bioenergy and biogas (<100g CO2/kWh, and biofuels should be sourced only from sustainable raw materials) ☐ Wave Energy energy efficiency, and ☐ Public Electric Vehicle Charging Stations (SPKLU). PLN currently has a project to enrich the energy mix in power generation. In line with directions from the Government of Indonesia through the Ministry of Energy and Human Resources, PLN targets a renewable energy mix of 23% in 2025 and reaches carbon neutral in 2060.#27Green Banking: New Way to Next Level Banking pank btpn A MEMBER OF SMBC Group Sustainability Report 2020 SMBC SMBC Group Green x Globe 2030 SMBC Group's Sustainability Roadmap into 2030 Translating Global Strategies into Local Initiatives Strategic intent is to be at the forefront of SLL (Sustainability Loan Linked)/Green Financing Projects in Indonesia Example: 1)Wind Power Plant in Sidrap: Indonesia's first 'Wind Farm' with a capacity of 75 MW 2) Hydroelectric Power Plant in Asahan 3)Sarulla Geothermal Power Plant which is the largest in the world. 4)Cirata Floating Solar Power Plant which is the first large-scale solar power project in Indonesia 5)Green Loan to Kepland Investama Bank BTPN together with its parent company SMBC received three awards from The Asset Triple A Infrastructure Awards 2021: 1. Renewable Energy Deal of The Year- Wind related to Sidrap financing. PLTB 2. Renewable Energy Deal of The Year- Hydro related to the Asahan hydropower plant financing. 3. Project Finance House of the Year. Award in 2022 from PFI for Cirata Solar deal of the year.#28About BTPN BTPN Business Activities Banking Industry Overview FY 2022 Financial Performance CSR & Awards COVID-19 Update at BTPN maops#29Banking Industry Loan outstanding increased by +11.3% YoY in Nov 22. Customer Deposits in Nov'22 recorded growth of 8.9% YoY Indonesia Banking Industry Financial Summary Loan and Deposit YoY growth bank A MEMBER OF SMBC Group btpn' IDR trillion Nov'21 Dec' 21 Nov'22 ΔΥΟΥ 11.6% Deposit (YoY) 10.4% 11.3% Total Assets 9,914 10,112 10,875 9.7% 8.9% Total Loans 5,705 5,769 6,347 11.3% Customer Deposits 7,323 Loan (YoY) 4.7% 7,479 7,974 8.9% -1.4% CASA 4,432 4,576 4,999 12.8% Nov 20 Nov'21 Sep'22 Current Accounts 2,077 2,144 2,454 18.2% Savings 2,355 2,432 2,545 8.1% NIM & NPL Time Deposits 2,891 2,904 2,975 2.9% 4.4% NIM (YOY) 4.7% 4.6% Net Profit 130 140 188 43.8% LDR 78.3% 77.5% 79.6% 1.3% 2.7% 3.2% 3.2% NIM 4.6% 4.6% 4.7% 0.1% NPL (YoY) NPL 3.2% 3.0% 2.7% -0.5% CAR 25.6% 25.7% 25.5% -0.1% Nov'20 Nov'21 Nov'22 Source: Indonesian Banking Statistics - November 2022, Indonesia Financial Services Authority (OJK)#30About BTPN BTPN Business Activities Banking Industry Overview FY 2022 Financial Performance CSR & Awards COVID-19 Update at BTPN pank btpn' A MEMBER OF SMBC Group stpr Bisa Disini OW Cepat murah gampang W#31Financial Performance - Consolidated FY'22 Key Highlights pank btpn' A MEMBER OF SMBC Group • Total Assets increased by 9% YoY to IDR 209.2 trillion, from IDR 191.9 trillion. • The Bank recorded IDR 146.1 trillion in outstanding loans as of Dec'22, up by 8% year-on-year (YoY) from IDR 135.6 trillion booked a year ago, with growth business loan up by 13% (IDR 14.1 trillion), transforming business down by 13% (IDR 3.6 trillion). . Operating income increased by 4% YoY contributed by the increase in Interest Income by 8% YoY to IDR 15.9 trillion from IDR 14.7 trillion, contributed by the increase in loan balance of BTPN Syariah and corporate segment, and higher other operating income by 3%; while Operational Expense were well managed with increase of 3%. ⚫ Bank BTPN's consolidated net profit after tax attributable to owners of the parent entity increased by 16% YoY to IDR 3.1 trillion from IDR 2.7 trillion, mainly contributed by the increase in operating income and the decrease in cost of credit. • • • Customer Deposits increased by 5% YoY to IDR 114.9T. CASA balance increased by 6% YoY to IDR 40.2T and CASA ratio increased to 35.0% compared to 34.6% last year. Gross NPL was at 1.43%, lower than the gross NPL ratio reported in the same period last year of 1.68%. Healthy liquidity and funding ratios were maintained. As end of December 2022, LCR was recorded at 229.3% and NSFR at 133.7%.#32Financial Performance - Consolidated pank btpn' A MEMBER OF SMBC Group Balance Sheet (IDR billion) Dec'21 (Audited) Mar'22 (Unaudited) Jun'22 (Unaudited) Sep'22 (Unaudited) Dec'22 (Audited) AQOQ ΔΥΟΥ Liquid Assets Loans (gross) 49,477 42,543 37,053 35,579 52,870 49% 7% 135,599 142,366 149,255 155,426 146,124 -6% 8% Total Assets 191,918 192,378 195,467 199,897 209,170 i 5% 9% CASA 37,877 37,018 38,925 42,871 40,162 -6% 6% TD 71,503 69,715 64,245 61,012 74,705 22% 4% Total Customer Deposits 109,380 106,733 103,170 103,883 114,867 11% 5% Borrowings & Subordinated Loan 42,489 44,138 49,135 52,946 48,391 -9% 14% , Total Liabilities 155,839 155,443 157,683 161,299 169,757 5% 9% Equity *) 36,079 36,935 37,784 38,598 39,413 2% 9% * including non-controlling interests ■ Total assets increased by 9% YoY, reached IDR 209.2 trillion. Total Loan increased by 8% YoY, reached IDR 146.1 trillion. ■ Customer Deposits reached IDR 114.9 trillion. ☐ CASA balance increased by 6% YoY.#33Financial Performance - Consolidated pank btpn' A MEMBER OF SMBC Group Income Statement (IDR billion) FY'21 (Audited) 3Q'22 4Q'22 FY'22 (Audited) AQOQ ΔΥΟΥ Net Interest Income 11,143 2,944 3,010 11,678 2% 5% Other Operating Income Operating Income Operating Expense Cost of Credit 1,960 524 485 2,013 -8% 3% 13,103 3,468 3,494 13,691 1% 4% (6,983) (1,780) (1,908) (7,193) 7% 3% (2,112) (554) (546)! (1,840) -1% -13% Profit Before Tax 4,007 1,136 1,038 4,657 -9% 16% Net Profit After Tax 3,104 884 813 3,630 -8% 17% Net Profit After Tax attributable to 2,665 743 678 3,096 -9% 16% Owners of the Parent Net Profit After Tax - BTPN Syariah 1,465 472 452 1,780 -4% 21% ◉ BTPN's FY 2022 Net Profit After Tax attributable to Owners of the Parent up by 16% YoY. ■ Net interest income grew by 5% YoY. Other operating income up by 3% YoY. Operating expenses were well maintained with a slight increase of 3% YoY. ■ Cost of Credit decreased by 13% YoY#34Key Financial Ratios - Consolidated pank btpn Dec'21 Ratios (%) (Audited) Jun'22 (Unaudited) Sep'22 (Unaudited) Dec'22 (Audited) AQOQ ΔΥΟΥ NIM 6.56 6.34 6.36 6.32 (0.03) (0.24) NSFR 126.60 121.30 123.05 133.72 10.67 7.12 LCR 187.26 181.28 194.42 229.30 34.88 42.04 Loan to Funding 89.29 98.00 99.11 89.50 (9.60) 0.22 NPL (gross) 1.68 1.35 1.41 1.43 0.02 (0.26) ROA 2.23 2.59 2.49 2.36 (0.13) 0.14 ROE 8.57 10.12 9.62 9.15 (0.48) 0.57 CAR 26.17 25.24 25.01 27.29 2.28 1.12 ■ NIM was lower 0.24% from lower yields, and higher cost of funds. ■ LCR and NSFR were at healthy levels, LCR was recorded at 229.30% and NSFR 133.72% as end of December 2022. ■ Gross NPL 1.43%, lower than the gross NPL ratio reported in the same period last year of 1.68%. ■ CAR was recorded at 27.29%, proportion of core capital is 88% of total capital. A MEMBER OF SMBC Group#35Deposits Growth pank btpn A MEMBER OF SMBC Group CUSTOMER DEPOSITS COMPOSITION Rp trillion 34.6% CASA Ratio 41.3% Customer Deposits (IDR billion) Dec'21 (Audited) Sep'22 Dec'22 ΔΥΟΥ (Unaudited) (Audited) CASA 37,877 42,871 40,162 6% 35.0% Current Account 25,923 29,080 23,766 -8% Savings 11,954 13,791 16,396 37% 114.9 Time Deposits 71,503 61,012 74,705 4% 109.4 103.9 Total Customer Deposits 109,380 103,882 114,867 5% 14% 11% 13% 24% 21% 28% 65% 65% 59% Dec'21 Sep'22 TD CA SA Dec'22 ◉ CASA balance increased by 6% YoY. CASA ratio increased to 35.0% as of December'22 from 34.6% in the same period last year. Beside Customer Deposits, BTPN has diversified funding sources from bonds, bilateral loans and inter-bank borrowings. BTPN also has a long-term borrowing facility from SMBC.#36Loan Growth by Segment bank btpn' A MEMBER OF SMBC Group Loan Growth (IDR billion) Dec'21 (Audited) Jun'22 (Unaudited) Sep'22 (Unaudited) Dec'22 AQOQ ΔΥΟΥ (Audited) Total Loan 135,599 149,255 155,426 146,124 -6% 8% Transforming Businesses: - Retail Lending - Micro 27,732 25,739 24,901 24,145 -3% -13% 27,364 25,481 24,681 23,948 -3% -12% 232 133 93 74 -20% -68% - Others 136 125 127 123 -3% -9% Growth Businesses : 107,867 123,516 130,525 121,978 -7% 13% - Corporate 82,572 97,637 102,822 93,340 -9% 13% - SME 10,366 i 9,997 10,337 10,953 6% 6% - Commercial 3,007 2,747 3,602 3,227 -10% 7% -BTPN Syariah 10,443 11,146 11,349 11,527 2% 10% - Consumer Finance 895 1 1,005 1,140 1,334 17% 49% - Micro Transformation 242 356 456 554 22% 129% - Retail Banking 341 628 820 1,044 27% 206%#37Asset Quality pank btpn A MEMBER OF SMBC Group Asset Quality % Gross NPL Composition by Segment 2.28 2.00 2.18 Dec-21 Sep-22 Dec-22 0.2% 0.6% 1% Rp trillion 2.08 10 170 11% 14% 12% 15% Gross NPL 1.68 1.41 1.43 11% 1% 13% 14% 9% 1% 8% 8% Net NPL 0.37 0.38 0.44 29% 30% Gross Cost of Credit 1.58 1.20 1.26 29% 28% 0.2% 10% 0.3% 0.3% 9% 0.2% Loan Loss Provision/NPL 173.46 181.01 172.75 8% 38% 32% 29% 30% Loan by Collectability (% of Total Loan) Dec'22 ■Others Dec'21 Jun'22 Sep'22 Corporate Retail Lending ■Micro SME Cons Finance Commercial BTPN Syariah Sep-22 Dec-22 NPL 1.41% Spc Mention NPL 1.43% 3.73% IDR145.5T Current Loan 94.84% Dec-21 Jun-22 Spc Mention NPL 1.68% 5.58% IDR135.6T Current Loan Spc Mention 4.20% NPL Spc Mention 1.35% 3.92% IDR149.3T IDR154.8T Current Loan Current Loan 92.74% Note: NPL calculation in 2022 using total loan exclude loan to bank 94.45% 94.67%#38COVID-19 Restructured Loan as of December 2022 Restructured Loan end of December 2022 pank btpn Proportion to Total Loan A MEMBER OF SMBC Group 11% 36% 3% 4.8% 7.5% 6.1% 5.2% 10.6% 16.4% 14.7% IDR 7.6T 24% 59% 95.2% 89.4% 92.5% 93.9% 94.8% 83.6% 85.3% Corporate SME T Consumer Finance Micro Corporate SME Consumer Finance Micro ■BTPN Syariah Commercial Note: Outstanding Restructured Loan as of 31 Dec 2022 Non-Restructured Loan BTPN Syariah Commercial Total Loan Restructured Loan#39About BTPN BTPN Business Activities Banking Industry Overview FY 2022 Financial Performance CSR & Awards COVID-19 Update at BTPN maops#40Daya The embodiment of Bank BTPN's commitment to continuously improve the capacity of its customers by providing opportunities for growth and a more meaningful life. Customer Segment High net-worth Large Corporation Middle class Mid Size Corporation Mass Market Micro business Productive Poor 2012 Participant: 1,187,599 Activities: 52,639 2013 Program Pillars Financial Literacy daya Business Capacity Improvement Self-Capacity Development Sustainable Life 2014 2015 2016 2017 2018 2019 Devid Digital Access: www.daya.id pank btpn A MEMBER OF SMBC Group Sencer WixomI "Strategi Pengen ergan Usaha di Era Glob Medical Examination Service Digital Marketing Training Collaboration with Djarum Foundation 2020 2021 2022 Participant: 1,527,134 Activities: 90,183 Participant: 1,770,299 Activities: 143,277 Participant: 1.410.368 Activities: 101.976 Participant: 1,322,997 Activities: 225,589 Participant: 1,148,097 Activities: 134,383 Participant: 1,698,555 Activities: 237,255 Participant: 1.413,527 Activities: 312,236 Participant: 839,367 Activities: 813,968 Participant: 2,266,923 Activities: 5,763 Participant: 2,279,766 Activities: 6,384 December 2022#41Sustainable Finance Bank BTPN's role in realizing sustainable finance. Bank BTPN has succeeded in managing its environmentally friendly financing portfolio Total environmentally friendly financing as of FY 2022 reached Rp 6.9 trillion KHUSUS WANITA Ruang Menyusu Available pank btpn A MEMBER OF SMBC Group It supports Sustainable Development Goals: AND COMMUNITIES 9 INDUSTRY, INNOVATION AND INFRASTRUCTURE 11 SUSTAINABLE CITIES 13 CLIMATE ACTION 15 14 Number 9 About Infrastructure, Industry and Innovation Number 11 About Sustainable Cities and Communities Number 13 Regarding Handling Climate Change COR PHN- SUSTAINABLE DEVELOPMENT GOALS (11) Sustainable Development Goals (SDGs) It is a global action plan agreed by world leaders, including Indonesia, to end poverty, reduce inequality and protect the environment. SMBC Group with UNICEF ping Millions of Indonesian ted by COVID-19 Pandemic Thursday, July 20 unicel t SMBC ¥100,000,000 Provide breastfeeding facilities as a form of support for working mother. 92% of employees who took maternity leave returned to work. Provides 1,415 tips about entrepreneurship and health that can be accessed via daya.id SMBC Group donates 100 million yen (equivalent to 13.7M) to UNICEF Indonesia to help ease the burden on Indonesian society related to COVID-19. Provides various trainings related to entrepreneurial and health-related to 838,871 people. Calculate the use of the amount of fuel and electricity (energy) every year in order to continuously improve its efficiency. In 2020, it was recorded that energy use fell by 97%. This sharp decline is due to the majority of employees working from home.#422022 Awards The Iconomics: 3rd Indonesia's Most Popular Digital Financial Brands Award 2022 (Millennial's Choice) Bank BTPN received an award for mobile banking category. Digital Financial Brands Award 2022 is The Iconomics event in the form of awards to institutions that have been able to face the opportunities and challenges from the wave of technological disruption through digital innovation in Indonesia. Majalah Marketing: 3rd Rank of KBMI 3 Bank - Top Digital Company Award 2022 Bank BTPN is ranked third in the Bank of KBMI 3 category, with a total index of 77.70. The award is given to companies with leading digital transformations. 11th Infobank Digital Brand Award 2022 Bank BTPN received two awards, namely the 4-Star TOP CSR Awards and an award to President Director of Bank BTPN Ongki Wanadjati Dana as the TOP Leader on CSR Commitment 2022. The award is given to companies that are considered successful in implementing effective and quality CSR/TJSL/ Community Development programs. Infobank Top 100 Most Outstanding Women 2022 - Hanna Tantani The Infobank Research Bureau maps and assesses Indonesian professional women in their contribution through their experiences and achievements to the development of the institutions/corporations they lead. Bank BTPN's Finance Director is listed as one of the Top 100 Most Outstanding Women 2022 according to the research. Majalah Investor: Green and Platinum Category of Corporate Emission Transparency 2022 awards Bank BTPN won green and platinum category of Corporate Emission Transparency 2022 awards in emission reduction transparency and emission calculation transparency, respectively. The awards were given by Bumi Global Karbon (BGK) Foundation in collaboration with Investor magazine. As many as 87 companies recorded a significant growth in efforts to lower carbon emission, making them eligible for Corporate Emission Transparency 2022 awards. Those companies have achieved a significant development in carbon emission reduction after being selected from 124 companies that have issued sustainability reports.#432022 Awards TopBusiness PCSR Peraih Penghargaan TOP CSR Awards 2022 PT BANK BTPN TBK Majalah TOPBUSINESS: 4-Star TOP CSR Awards 2022 and TOP Leader on CSR Commitment 2022 Bank BTPN received two awards, namely the 4-Star TOP CSR Awards and an award to President Director of Bank BTPN Ongki Wanadjati Dana as the TOP Leader on CSR Commitment 2022. The award is given to companies that are considered successful in implementing effective and quality CSR/TJSL/ Community Development programs. Indonesian Institute for Corporate Directorship - The 13th IICD Corporate Governance Award 2022 The award is given to publicly listed company who have implemented good corporate governance (GCG) practices in the previous year and are not related to serious cases that conflict with GCG principles. Bank BTPN received the Best Disclosure & Transparency award from the Big Cap category. SIG den anergy mines mandin BNI TOP CSR AWARDS 2022 + STAR 4 TOP LEADER ON CSR COMMITMENT 2022 Ongki Wanajati Dona-Direktur Utama The IIEDE BERITA SATU Forme Cure d BTN CIMB VACA 13TH THE 13TH IICD CORPORATE ICD GOVERNANCE AWARD 2022 JUMAT, 27 ME 2022 | FINANCIAL HAL GRAHA CNIAGA, JAKARTA#442022 Awards KINDILEAN ADANANA HIUKNEGARA RIPULIK INOKINESIA APRESIASI MITRA BUMN CHAMPION 9 Mei 2022 Mitra BUMN Champion 2022: Best Creditor Partner 1 - National Private Category (BTPN Bank) and Best Creditor Partner 1 - Global Private Category (SMBC) Bank BTPN and SMBC obtained 2022 Champion BUMN Partner Appreciation awards from the Ministry of State-Owned Enterprises (SOEs). The event is designed to appreciate partners that have supported SOEs in realizing more effective and efficient performance. The awards were divided into two categories in terms of business coverage areas: national partners that serve local customers and global partners that operate beyond Indonesia. Bank BTPN came first under the National Private Creditor category, while SMBC also sat at the top under the Global Private Creditor category. Majalah Infobank: 1st Rank of KBMI 3 Bank with asset 150-200T This rating is given to 107 banks based on the bank's performance in 2020-2021 from the published financial statements. This assessment criteria refers to the risk profile, GCG, profitability, capital, efficiency, and growth. Bank BTPN is rated 1st KBMI 3 for asset class 150T-200T. 27th Infobank Award 2022: 1st Rank of KBMI 3 Bank with asset 150-200T Bank BTPN received awards in three categories, namely "The Best Performance" for the KBMI 3 group in the Special Performance category, "Diamond Trophy" ("Excellent" performance for 20 consecutive years) in the Special Trophy category, and "Excellent" performance predicate for the KBMI 3 group in the Regular Award category. infobank 27th INFOBANK AWARDS 2022#452022 Awards Contact Center World - Asia Pacific 2022: Gold medal - Best Contact Center Executive (Leader); Gold medal - Employee engagement; Bronze medal - Trainer; Runner Up (Rank 4) - Contact Center Medium Scale Bank BTPN has obtained four awards at the Contact Center World Asia Pacific, an annual event designed to appreciate the best contact center practitioners from various industries and countries in the Asia-Pacific. There were a number of selection stages for candidates before they could advance to the global competition. Following an extensive selection process, Bank BTPN's Contact Center was awarded in four categories, namely Gold Medal (Podium 1) for Best Contact Center Executive (Leader) category, Gold Medal (Podium 1) for Employee Engagement category, Bronze Medal (Podium 3) for Trainer category, and Runner Up (Rank 4) for Medium Scale Contact Center category. EST. 1999 CONTACT CENTER WORLD DISCOVER THE NEXT GENERATION OF CUSTOMER EXPERIENCE al GLOBA P RANKING RFORM AWAF IT GENERAN PT PRICE CORENCE CIFIC HAT Drives U CRAZY EL ICA UYER GL CONSUL • BEST P EMPLO E USTRY NG IN ° EWS J STRY BL GLOBAL AV NLINE TRA ANNUAL C Th WORKI BENCH OR G tigious Awards ENTER WORLD#462022 Awards Indonesia Contact Center Association (ICCA): Top 10 in the Best Contact Center Indonesia Award Bank BTPN has obtained the top 10 rank in the Best Contact Center Indonesia Award, which was organized by the Indonesia Contact Center Association (ICCA). Awards were presented to companies for their best contact center services at the national level. The event is also recognized by the international organization Contact Center Association of Asia Pacific (CC-APAC). Bank BTPN won three Platinum awards, three Gold awards, three Silver awards, and five Bronze awards. The 14 awards took Bank BTPN to the top 10 positions. it ABCR C nandin talkdesk DOUNE NOW BS A CONTACT INDONESIA ASSO CENTER A CONTACT CENTER DONES INDON 10 CENT 2022 INGONESIA COM-PLATINUM INDONESIA ASSO ONTACT ASSOCI CENT TER INDONESIA 1600 2022 INDONESIA SILVER CONTACT CENTER 2022 NOONESTY 202 THE BEST CONTACT CENTER INDONESIA PT BANK BTPN TBK 8th RUNNER-UP#472022 Awards Top 20 Financial Institution 2022 & Best CFO in Financial Institution 2022 - The Finance: Assets of IDR100 Trillion up to < IDR500 Trillion and the Bank of KBMI 3 category The award is given to the financial institution with the best performance in the last three years. The financial industry includes banks, multi-finance companies, life insurance and general insurance. Bank BTPN won the Best Performing Bank 2022 award based on financial performance 2020-2022 in the IDR100 Trillion up to < IDR500 Trillion asset group. In addition, Hanna Tantani also received an award as Best CFO in Financial Institution 2022 in the KBMI 3 category. Asia Sustainability Reporting Rating (ASRRAT) 2022 - National Center Sustainability Report (NCSR) / National Center for Corporate Reporting (NCCR): Platinum Rating This award, which has been running for 18 years, is an appreciation for the company's contribution in achieving sustainable goals and the achievement of Environmental, Social & Governance (ESG). The assessment is based on the level of compliance of sustainability reporting with GRI standards. There are 4 award ratings namely Platinum, Gold, Silver, and Bronze. This year is the 3rd year that Bank BTPN has received a Platinum rating. AWARDS PENGANUGERAHAN TOP 20 FINANCI NSTITUTION TO TOP 20 FINANCIAL INSTITUTIONS * 2022 PROSPEK & TANTANG THEFINANCE KEUANGAN DI TENGA RESESI DAN SERANGAN 24ber 2002-Grand Balloon Hesel Kempindi Jakarta AGANAT 2022 PLATINUM PITING TOP 20 bank 2022 THEFINANCE CERTIFICATE OF APPRECIATION btpn BEST PERFORMING BANK 2022 BASED ON FINANCIAL PERFORMANCE 2020-2022 CATEGORY BANK ASSETS RP100 TRILLION UP TO LESS THAN RP500 TRILLION Jakarta, November 24, 20 Eka B. Supriyanto Cherman The Finance BEST CFO THEFINANCE CERTIFICATE OF APPRECIATION Hanna Tantani AS BEST CFO IN FINANCIAL INSTITUTION 2022 CATEGORY KBMI 3 BY THE FINANCE Eka Supriy#482022 Awards LPS Banking Awards 2022 - Lembaga Penjamin Simpanan (LPS): The Best Bank in Providing Information Regarding the Deposit Guarantee Program (Private Bank Group) The award is presented to the banking industry which supports and plays an active role in advancing the financial industry to boost the national economy. There are 5 categories in this award, namely the Most Active Bank in CSR Activities, the Most Active Bank in Improving Community Financial Literacy, the Most Active Bank in Green Banking Practices, the Best Bank in Single Customer View (SCV) Reporting Compliance, and the Best Bank in Submitting Information Regarding the Deposit Guarantee Program. Bank BTPN received an award in the category of Best Bank in Providing Information Regarding the Deposit Guarantee Program from the Private Bank group. The award was received directly by the Operations Director of Bank BTPN Merisa Darwis on 29 November 2022 in Jakarta. Indonesia's Best Corporate Sustainability Initiatives 2022 - MIX MarComm (SWA Media Group): Social Marketing Award This award, which was held for the sixth time, was presented as a form of appreciation for the sustainability initiatives that the company has implemented in 2021-2022, as well as the leaders and teams involved in the sustainability program. Bank BTPN received awards in two categories, namely the "Social Marketing" category through the Daya program, and the "Cause Promotion" category through the #langkahkecilhariini program from Jenius, Bank BTPN. LEMBAGA PENJAMIN SIMPANAN MALAM ANUGERAH LPS BANKING AWARDS 2022 LPS BANKING AWARDS 2022 LPS LEMBAGA PENJAMIN SIMPANAN PIAGAM PENGHARGAAN KATEGORI BANK TERBAIK DALAM MENYAMPAIKAN INFORMASI MENGENAI PROGRAM PENJAMINAN SIMPANAN KELOMPOK BANK SWASTA diberikan kepada: PT Bank BTPN, Tbk. JAKARTA, 2 NOVEMBER 2022 ар PURBAYA YUDHI SADEWA KETU DEWANNOMSIONER PE G20#49About BTPN BTPN Business Activities Banking Industry Overview FY 2022 Financial Performance CSR & Awards COVID-19 Update at BTPN pank btpn' A MEMBER OF SMBC Group stpr Bisa Disini OW Cepat murah gampang W#50COVID-19 Handling at BTPN bank btpn' A MEMBER OF SMBC G COVID-19 Task Force led directly by President Director. • COVID-19 on health protocol as per Government regulation e.g.: • • All WFO employee to wear mask WFO & WFH arrangement Pedulilindungi.id for screening purpose Sick employee (incl. influenza) shall WFH Employee to report to HRBP and line manager for infected/closed contact case incl family member staying in the same house Regular reminder & communication on health protocol & latest situation on COVID-19 handling at BTPN to all staff.#51THANK YOU pank btpn' A MEMBER OF SMBC Group