Investor Presentaiton
BTPN 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
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Spin-off as PT BTPN Syariah on 14 July 2014
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FY 2022 Performance
Customer & Coverage
Serving 6 mn customers,
~ 4.25 mn active
Coverage - 253k communities,
in 2,600 sub-districts
~
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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
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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 outstandingView entire presentation