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SMBC Indonesia Shows Resilience in Challenging First Half of 2025, with Solid Growth in Operating Revenue and Credit Disbursement

Jakarta, July 30, 2025 – PT Bank SMBC Indonesia Tbk (SMBC Indonesia) posted continued growth in the first half of 2025, navigating global economic headwinds with resilience. The bank recorded higher operating income and credit disbursement across its retail and corporate portfolios.

Events

PT Bank SMBC Indonesia Tbk (“SMBC Indonesia”) has received three awards in the “HR Excellence Award 2025”. SMBC Indonesia received this award for two consecutive years.

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Customer Success Story

When you hear word herbal medicine, the stigma that may arise is a traditional drink that is bitter, tastes bad, smells pungent, and so on. Therefore, despite knowing the benefits of herbal medicine for body health, not a few people still refuse to drink herbal medicine and prefer other drinks that feel better.

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Customer Success Stories

Doctorpreneur Successfully Transforms Traditional Herbs Into Contemporary Drinks

Erna Zurnimawati, Entrepreneur and MSME Empowerment

Her hobby of sewing has led Erna Zurnimawati to become one of the most successful entrepreneurs in batik and weaving. Not only has she successfully pioneered her own business, the owner of the Nena Collection brand is also passionate about sharing her knowledge and experience with fellow entrepreneurs.

Big Size Fashion Business, Adam Abdullah Proves Big Size equals Big Opportunity

Adam Abdullah with the Wah Gede Banget (WGB) business which carries big size fashion kicked off the fashion world while breaking people's assumptions that looking fashionable and cool only belongs to regular size people. Since its release in 2014 with an initial capital of Rp5 million, currently its total assets reach Rp1.8 billion with a turnover of 400 million per month.

Sunarto, the Village Banker

The branchless banking program has changed everything. Back then, we could only meet bankers at banks. However today it is changed. We can easily find a banker next door, serving transactions just like any other bankers from opening an account, saving, transfer, cash withdrawal and other services.

Award & Achievements

The Top Ten Banks by Profit of 2000, by Infobank magazine
The Best Performing Banks, with ROA and ROE ranked 12th among banks in Asia, by Asiaweek magazine

Banks with the best performance, i.e. ROA at the 13th rank and ROE at the 5th rank among banks in Asia, by the Asiaweek magazine

InfoBank Award in 2002, 2003, and 2004 for the title “very good bank”, by Infobank magazine

InfoBank Award 2005, for “Excellent” title for the last four consecutive years, by Infobank magazine

Infobank Award 2006, the third rank for banks that focus on specific business segmentation, by Infobank magazine
Golden Award 2006 as a bank with excellent financial performance for five consecutive years, by Infobank magazine

InfoBank Award for “Excellent” banks, by Infobank magazine
The Best Commercial Bank with total assets of Rp1 - 10 trillion, by Investor magazine

The Best Performance Banking 2008 Medium Private Banks, Asian Banking Finance & Informatic (ABFI) Award 2008, by PERBANAS
The Best Bank 2008 of Investor Magazine for commercial banks with assets of Rp1 - 25 trillion, by Investor magazine
Golden Trophy Award 2008 for winning the award for seven consecutive times since 2002 with the rank “Excellent” for banks that focus on specific business segmentation with total capital of Rp100 billion - Rp10 trillion, by Infobank magazine
First Rank Award in 2008 for the category Bank with business activities focused on specific business segments with a capital of Rp100 billion - Rp 10 trillion, by Infobank magazine
Banking Efficiency Award 2008 for banks with assets of Rp10-50 trillion, by Bisnis Indonesia daily

Infobank Golden Trophy Award 2009 as a bank with excellent financial performance for five consecutive years in 2004-2008
Infobank Award in 2009 for “Excellent” rank of the financial performance of 2009
Banking Efficiency Award 2009 for banks with assets of Rp10-50 trillion, by Bisnis Indonesia daily

The Best Performance for Medium Scale Private Banks in ABFI Banking Award 2010 organized, by ABFI Institute of PERBANAS
First Rank of Rating for Publicly Listed Banks, by Infobank magazine
Platinum Trophy 2010 for “Excellent” Performance in 10 consecutive years (2000-2009), by Infobank magazine
The Bank with Excellent Financial Performance of 2009, by Infobank magazine
The Best Bank 2010 for banks with assets > Rp10 trillion - 50 trillion, by Investor magazine
The Best Listed Company 2010 for the banking sector with market capitalization ≤ Rp10 trillion
Indonesia Best e-Corp 2010 for the recognition of IT performance in supporting the company, by SWA

ASEAN Business Award 2011 sebagai perusahaan dengan pertumbuhan terbaik nomor dua di ASEAN (kategori perusahaan besar).
The Best Bank 2011 for banks with assets IDR 25 trillion - 100 trillion, by Investor magazine
Platinum Trophy 2010 for “Excellent” Performance in 10 consecutive years (2001-2010), by Infobank magazine
First Rank of Rating for 120 Publicly Listed Banks, by Infobank magazine for "Excellent" Performance in 2010
Second Rank as Best Performance Bank - ABFI Banking Award 2011 for Medium Scale Private Bank with aset IDR 5 - 40 Trilion by ABFI Institute Perbanas

Special Award Rising Star, by Investor Magazine
Best Performance Banking 2012 for banks with assets IDR 5 - 50 trillion in Indonesia Banking Award, by Perbanas Institute
The Top 50 Companies For 2012 in Best of The Best Awards 2012, by Forbes Indonesia Magazine
The Best Bank 2012 in "Financial Aspects" category banks with assets more than IDR 25 - 100 trillion in Indonesian Banking Award 2012, by Perbanas Institute
The Best CEO Bank 2012, category banks with assets more than IDR 25 - 100 trillion in Indonesian Banking Award 2012, by Perbanas Institute
Top National Banker in Ajang Tokoh Finansial Indonesia 2012, by Investor Magazine
The Bank with Excellent Financial Performance of 2011, by Infobank Magazine
Platinum Trophy 2012, for excellent financial performance in 10 consecutive years, by Infobank Magazine
First Rank of Rating for 120 Publicly Listed Banks 2012, by Infobank magazine
The Best Bank 2012 for banks with assets IDR 25 - 100 trilion", by Investor Magazine
Special Award "Rising Star" for SMBCI excellent performance, by Investor magazine

The Best Bank 2013 for banks with assets IDR 25 - 100 trilion, by Investor Magazine
Top 25 Banks by Return of Capital 6th in Asia Pacific; 23rd Globally, by The Banker Magazine
UVA Case Study: "BTPN Banking for The Bottom of The Pyramid in Indonesia", Winner of NextBillion Case Writing Competition 2013
2nd Best in Investor Relations, by AsiaMoney Corporate Governance Poll 2013
1st Rank for "Kategori Bank Buku 3", Indonesian Banking Award 2013 by Tempo Media Group & Center for Risk Management Studies Indonesia
1st Rank Rating 120 Bank 2013, by Info Bank

The Best Bank 2014 for banks with assets IDR 25 - 100 trilion, by Investor magazine
1st Rank Rating 120 Bank 2014, by Infobank magazine
Jerry Ng was voted runner-up in the Best CEO in Indonesia at “FinanceAsia – Asia’s Best Company 2014”
1st Best Sharia Unit, Islamic Finance of the Year: Microbanking in 10th Islamic Finance Award 2014, by KARIM Consulting Indonesia
ASEAN Top 100 Banks Ranking 2014 by Return on Capital 5th rank, by The Banker Magazine
ASEAN Top 100 Banks Ranking 2014 by Return on Assets 3rd rank, by The Banker Magazine
Top 5 banks 2014 by Return on Capital 5th in Asia Pacific, by The Banker Magazine
3rd Best for "Kategori Buku 3 Perusahaan Terbuka" in Anugerah Perbankan Indonesia 2014 by Economic Review Magazine
1st rank for "Kategori Buku 3 Perusahaan Terbuka" in Indonesia Banking Award by Tempo Media Group

1st Rank Rating 118 Bank 2015 by Infobank Magazine
Bisnis Indonesia CEO Awards 2015
2015 Best Banks by Investor Magazine
1st Rating 118 for Bank BUKU III 2015 Category
CEO by Bisnis Indonesia Award
Best Bank for Rp. 25 trillion – Rp. 100 trillion Assets Category by Investor Magazine
The Best Bank in Retail Banking Services for Rp. 50 trillion – Rp. 100 trillion Assets Category by Tempo
The Most Efficient Bank for Rp. 20 trillion – Rp. 100 trillion Assets Category by Tempo
The Most Reliable Bank for Rp. 20 trillion – Rp. 100 trillion Assets Category by Tempo
Tempo – Diversity Board
Economic Review Anugrah Perbankan Indonesia – 1st Rank for BUKU III Rp. 50 trillion – Rp. 100 trillion Category
Economic Review Anugrah Perbankan Indonesia – 1st Rank for Risk Management Category
Economic Review Anugrah Perbankan Indonesia – 1st Rank for Human Capital Category
Economic Review Anugrah Perbankan Indonesia – 1st Rank for Finance (Value Creation) Category
Economic Review Anugrah Perbankan Indonesia – 1st Rank for Finance (Efficiency & Profit) Category
Economic Review Anugrah Perbankan Indonesia – 2nd Rank for “Information Technology” Category
Economic Review Anugrah Perbankan Indonesia – 2nd Rank “Corporate Social Responsibility” Category
2nd Rank “Good Corporate Governance” Category by Economic Review Anugrah Perbankan Indonesia
3rd Rank for Corporate Communication Category by Economic Review Anugrah Perbankan Indonesia
Top 50 Public Listed Companies in the 7th IICD Corporate Governance Conference Award by IICD (Indonesian Institute for Corporate Directorship)
The Best Role of Stakeholders in the 7th IICD Corporate Governance Conference Award by Indonesian Institute for Corporate Directorship (IICD)

Best Mobile Banking Project Indonesia Country Awards Programme 2016 for Technology Innovations by The Asian Banker Strategic Business Intelligence for The Financial Service
Excellent Financial Performance in 2015 by Infobank Magazine
Excellent Financial Performance from 2001 - 2015 by Infobank Magazine
The Most Reliable Bank for Rp. 20 trillion – Rp. 100 trillion Assets Category by Tempo Media Group Indonesia Banking Award 2016
The Best Bank In Digital Services for Rp. 20 trillion – Rp. 100 trillion Assets Category by Tempo Media Group Indonesia Banking Award 2016
The Best Bank In Retail Banking Services for Rp. 20 trillion – Rp. 100 trillion Assets Category by Tempo Media Group Indonesia Banking Award 2016
The Most Efficient Bank for Rp. 20 trillion – Rp. 100 trillion Assets Category by Tempo Media Group Indonesia Banking Award 2016
Ranked among the top 50 of Fortune Magazine’s list "The Fortune 2016 Change The World" by Fortune Magazine
Economic Review Anugerah Perbankan Indonesia - V 2016: 1st Bank for BUKU III with Rp50 - Rp100 Trilion Assets Category, 1st Rank for Finance Category, 2nd Rank for Good Corporate Governance Category, 2nd Rank for Risk Management Category, 1st Rank for Legal Category, 2nd Rank for Human Capital Category, 1st Rank for IT Category, 4th Rank for CSR Category, 1st Rank for Corporate Communications Category
Best of the Best Awards 2016 –Top 50 Companies in Indonesia (ranked no. 19) by Forbes Magazine Indonesia

Most Intelligent Chief Information Officer (CIO) 2017 at the iCIO Award 2017
Winner in the Excellence in Business Model Innovation category, and in the Highly Commended for Excellence in Mobil Banking – Customization category at the 8th Annual Retail Banker International (RBI) Asia Trailblazer Summit & Awards 2017
Bronze Award in the category of The Best Community Program at The Global Corporate Social Responsibility (CSR) Awards 2017
Best Issuer in the category of Bank Umum Swasta Non-Devisa (Non-Foreign Exchange Private Commercial Bank) at the Bisnis Indonesia Award 2017
Best Performing Bank for Web / App Opening Account Services at InfoBank Service Excellence Award 2017.
Titanium Trophies for "Very Good" Performance Category for 15 years at 22th Infobank Awards 2017.
1st Rank Best Indonesian Commercial Bank category Tbk on Indonesian Banking Award 2017 by Economic Review Magazine.
Innovation Appreciation Award 2017 for Product and Technology Innovation category by Koran Sindo.
The Most Efficient Bank, Best Parenting Bank and The Most Reliable Bank at Indonesia Banking Award 2017 by Tempo Media Group.
Best of the Best Award 2016 as 50 Companies with Best Performance Category by Forbes Indonesia Magazine.
3rd Rank Best Good Corporate Governance for Tbk Company in Indonesia on Indonesia Good Corporate Governance Award III - 2017 by Economic Review Magazine.
Best Financial Sector at The 9th IICD (Indonesian Institute for Corporate Directorship) Corporate Governance Award
Digital Transformer of the Year at IDC Digital Transformation Awards (DXa) 2017
Deposit Product of the Year at The Asian Banker Indonesia Country Awards Programme 2017
Gold Winner of New Media and Silver Winner of Marketing PR at Public Relations Indonesia Awards 2017
Best Corporate Website at Bubu Awards 2017

World's Best Banks 2021 by Forbes Magazine
Digital Brand Awards 2021 in the Bank BUKU III category by Majalah Infobank
The Asset Triple A Infrastructure Awards 2021
Investor Awards: Best Bank 2021, "Digital Bank Pioneer in Indonesia" by Investor Magazine
HR Asia Best Companies to Work for in Asia 2021
CNBC Indonesia Awards 2021: "Pioneer Award in Digital Banking"
Rating "Management BBB" at the Environment, Social, and Governance Disclosure Awards 2021 by Investor Magazine
6th position at the Best Contact Center Indonesia 2021 by Indonesia Contact Center Association
Platinum rating at the Asia Sustainability Reporting Rating (ASRRAT) 2021
Global Corporate Sustainability Award 2021 by Taiwan Institute for Sustainable Energy
Platinum award in the employee engagement category at the Contact Center Asia-Pacific Awards 2021
Top 20 Financial Institutions & Best CFO Award by The Finance
Top 100 CEO 2021 by Infobank Magazine

Peringkat ketiga dalam kategori Bank KBMI 3 dalam Top Digital Company Award 2022 oleh Majalah Marketing
Peringkat I untuk kategori Bank Digital KBMI 3 dan peringkat I untuk Kartu Debit Jenius dalam 11th Infobank Digital Brand Award 2022 oleh Majalah Infobank
Transparansi Penurunan dan Perhitungan Emisi Korporasi Terbaik 2022 oleh Majalah Investor
Infobank Top 100 Most Outstanding Women 2022
Posisi nomor 1 untuk kategori Kreditur Swasta Nasional (Bank BTPN) dan posisi nomor 1 untuk kategori Kreditur Swasta Global (SMBC) dalam Apresiasi Mitra BUMN Champion 2022 oleh Kementerian BUMN
Best Disclosure & Transparency dalam kategori Big Cap dalam The 13th IICD Corporate Governance Award 2022 oleh Indonesian Institute for Corporate Directorship
Gold medal dalam kategori Best Contact Center Executive (Leader) & Employee engagement, Bronze medal dalam kategori Trainer, dan Runner Up (Rank 4) dalam kategori Contact Center Medium Scale oleh Contact Center World Asia Pacific
“The Best Peformance” kelompok KBMI 3 dalam kategori Special Performance, “Diamond Trophy” (Predikat kinerja ‘Sangat Bagus’ selama 20 tahun beturut-turut) dalam kategori Special Trophy, dan Predikat kinerja ‘Sangat Bagus’ kelompok KBMI 3 dalam kategori Reguler Award oleh Majalah Infobank
Posisi 10 besar terbaik dengan memenangkan 14 penghargaan dalam The Best Contact Center Indonesia 2022 oleh Indonesia Contact Center Assosiation
Rating Management BBB dalam ESG Disclosure Awards 2022 oleh Majalah Investor
Gold Award dalam Indonesian Sustainable Development Awards 2022 oleh Corporate Forum for CSR Development
Top 20 Financial Institution & Best CFO in Financial Institution 2022 oleh The Finance
Rating Platinum dalam Asia Sustainability Reporting Rating (ASRRAT) 2022
Bank Terbaik dalam Menyampaikan Informasi Mengenai Program Penjaminan Simpanan dari Kelompok Bank Swasta dalam LPS Banking Awards 2022

Best Green Loan and Best Local Currency Green Loan at the Triple A Country Awards 2022 by The Asset
Best Public Relations in Company Management on Expanding Mass Market Product and Services in the Conventional Bank category by Warta Ekonomi
2022 Most Popular in Print and Online Media with the sub category National and Multinational Private Companies Tbk in the PR INDONESIA AWARDS (PRIA) 2023
Top 100 Most Outstanding Women 2023 by Infobank Magazine
The Best Bank with Digital Service (KBMI 3 category) for Jenius, The 3rd Best Deposito for Conventional Commercial Bank for the BTPN Time Deposit product, The 3rd Best Conventional Commercial Bank Debit Card for Jenius Debit Card at the 12th Infobank Digital Brand Awards 2023
PPKM Award 2023 in the domestic private company category
8 awards for Jenius at the 20th Infobank-MRI Banking Service Excellent 2023
HR Asia Best Companies to Work for in Asia 2023
"Very Good” rating in the bank financial services category at the Indonesia Digital Customer Engagement Champion 2023 by SWA Magazine
Diamond Trophy category for bank excellent financial performance in 2022 and for 20 consecutive years at the 28th Infobank Award 2023
Platinum rating at the Asia Sustainability Reporting Rating (ASRRAT) 2023
Excellent title in the banks with assets of IDR 100 trillion to <IDR 500 trillion category and Best CFO in the bank category by The Finance
Top 100 CEO 2023 by Infobank Magazine
Platinum award at the Indonesian Sustainable Development Goals Award (ISDA) 2023 by Corporate Forum for CSR Development

8 awards for Jenius at the 7th Infobank Satisfaction, Loyalty, and Engagement 2024
Best Issuer for Sustainable Finance in Indonesia and Best Sustainability Bond in Indonesia at The Asset Triple A Awards
The 3rd Best Conventional Commercial Bank 2024 - KBMI 3, The 2nd Best Debit Card Conventional Commercial Bank 2024 - KBMI 3, The Best Bank with Digital Services - KBMI 3, and The 2nd Best Overall Bank with Digital Services 2024 at the 13th Infobank Digital Brand Awards
500 Most Outstanding Women 2024 by Infobank Magazine
HR Asia Best Companies to Work for in Asia 2024
Gold Champion at the Bisnis Indonesia Corporate Social Responsibility Award 2024
Top Performer Partner at the Payment Partner Awards from PT ASABRI (Persero)
"Very Good" Predicate for HR Digitization & People Analytics, Employer Branding and Talent Acquisition, dan Wellbeing Management categories at the HR Excellence Award 2024 by SWA Media Group
Diamond Trophy category for bank excellent financial performance in 20 consecutive years at the 29th Infobank Award 2024
Annual Report Award 2023 in the Non-SOEs and Non-ROEs Financial Companies category
Champion BUMN Partner Appreciation 2024 in the Large Private Business Class Creditor/Investor category
"Very Good" Predicate in the banks with assets of Rp100 trillion to <Rp500 trillion category by The Finance
Platinum rating at the Asia Sustainability Reporting Rating (ASRRAT) 2024