SMBC Group's Financial and Credit Portfolio
BTPN
Financial results**
Coverage
Jan.- Jun.
Retail
Wholesale
2020
2021
2022
(JPY bn)
2023
sinaya
Gross banking profit
91.1
106.2
116.1
66.7
btpn
High-net-worth Large corporations
SMBC…
Operating expenses
50.9
56.6
60.9
34.8
Mid-sized corporations
Middle class
Jenius
Net profit
12.9
21.6
26.3
14.0
mitra
SMEs
btpr
ROE
6.1%
8.6%
9.6%
9.8%
pur
btpn
Mass market Micro business
Loans
1,008.0
1,098.4
1,242.0
1,427.7
btpn'
mitra usaha
btpn'
Syariah
owners
WOW!
btpn
Deposits
Total assets
745.8
886.0
976.4
1030.5
1,355.4
1,554.5
1,777.9
1,853.8
Net interest margin"2
NPL ratio*2
Digital Banking
Loan breakdown*3
SMBC's Global Support
(%)
(%)
7.9
6.3
5.3
5.6
4.6
3.3
2.5
1.9
1.4
1.5
BNI Mandiri
BCA BTPN BRI
BTPN Mandiri BCA BNI
BRI
BTPN
Syariah
8%
Retail
17%
Business
Banking
8%
Corporate
Banking
67%
*1 TTM as of Dec. 20: IDR 1= 0.0074, Dec. 21: IDR 1= 0.0081, Dec.22: IDR 1= 0.0085, Jun. 23: IDR 1= 0.0096
*2 Based on each company's disclosure (Jun.23 results) *3 As of Jun. 23
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