BANK BUKOPIN CORPORATE PRESENTATION 1Q 2015

Transcription

1 BANK BUKOPIN CORPORATE PRESENTATION 1Q 2015

2 DISCLAIMER IMPORTANT: The following forms part of, and should be read in conjunction with, this presentation. This report is prepared by PT Bank Bukopin Tbk independently and is circulated for the purpose of general information only. It is not intended to the specific person who may receive this report. No warranty (expressed or implied) is made to the accuracy or completeness of the information. Some of the statements contained in this document contain forward looking statements with respect to the financial conditions, results of operations and businesses, and related plans and objectives. These Statements do not directly or exclusively relate to historical facts and reflect the Company s current intentions, plans, expectations, assumptions and beliefs about future events. The Statements involve known and unknown risks and uncertainties that could cause actual results, performance or events to differ materially from those in the statements as originally made. Such statements are not, and should not be construed as a representation to future performance of the Company. Readers are urged to view all forward-looking statements contained herein with caution. 2

3 OUTLINE Financial Update 4 Business Update 7 Corporate Update 21 Appendix 27 3

4 Financial Update 4

5 Financial Highlight Mar 14 (Rp Trillion) Dec 14* (Rp Trillion) Mar 15 (Rp Trillion) YoY (%) Asset Loan Deposit Current Account (11.36) Saving Account Time Deposit Equity Interest Income Fee Based Income Earning Before Tax (17.96) Earning After Tax (19.31) Mar 14 (%) Dec 14* (%) Mar 15 (%) YoY (%) CAR (1.54) ROE (4.49) ROA (0.58) NIM (0.72) BOPO LDR (1.13) NPL Gross NPL Net CIR Bank Only Consolidated *Audited 5

6 Loan & Deposit Highlight Loan Deposit Rp Rp Rp Rp Rp Rp % 62.36% 64.17% 61.70% 62.79% 65.55% Retail Commercial Time Deposit Saving Account Current Account 39.35% 37.64% 35.83% 24.22% 23.57% 23.63% 14.08% 13.64% 10.82% Mar 14 Dec 14* Mar 15 Mar 14 Dec 14* Mar 15 In Trillion Rupiah unless percentage *Audited 6

7 Business Update 7

8 Bank Bukopin s business activities of lending and funding include four pillars which are Micro Business, Small and Medium Enterprises (SME), Consumer Business and Commercial Business. Core Business Objective: To become a top bank through focusing on value Micro SME Consumer Commercial To be a market leader in business to business Micro and a prime player for Rural Micro Banking To be a key player in SME Banking To be a Preferred Partner for Mass, Mass Affluent Customers and Business Owners Sustain Current Market Position RETAIL COMMERCIAL MAIN BUSINESS PILLARS Supported by Treasury Business, International Banking and Fee-Based Services 8

9 Strategic Plan Strengthening the Structure of Capital Enhance the Role of Risk Management and Compliance Aspects To Be the Reputable Financial Institution In Integrated Financial Services Focusing on Retail Segment Improvement of Information Systems and Technology Strengthening Non Interest Income Business 9

10 Business Focus Funding Discipline Business Process Reward System Business Process jgjhgj Customer Base and Quality Priority Segment Customer jhgjhgjgjhgjh Mass Afluent Customers in Retail Segment Corporate Partnership Government Financial Private Financial Institutions Outlets E Banking E Money Branchless Banking Channel gfhgfgfhghf Distribution nbcbvcvcbvc Product Development Point Reward Savings Account. Merdeka Current Account. Cash Card for PLN. BPJS Smart Card for BPJS ketenagakerjaan. Gasoline Purchase System for Indonesian State Owned Oil & Gas Company (PERTAMINA). Cash Management for LPDB, Securities, Insurance, BPJS Ketenagakerjaan, etc. 10

11 Business Focus Lending Discipline Business Process Reward System Business Process jgjhgj Priority Segment jhgjhgjgjhgjh Business 12 Retail Segmentations 4 Corporate Segmentations Middle Class Consumers Government Retirees for Micro Banking Two step loans partnership Customer Base and Quality Outlets Credit Cards Channel gfhgfgfhghf Distribution nbcbvcvcbvc Product Development Project Based Distribution Based Transaction Based Consumption Based 11

12 Business Focus Fee Based Discipline Business Process Reward System Business Process jgjhgj Priority Segment jhgjhgjgjhgjh Business Credit Card Holders Public Utility Payment Treasury Micro Banking Transactional Focus Channel gfhgfgfhghf Distribution nbcbvcvcbvc Product Development PPOB E Banking Merchant Community Credit Card Billing System Forex Mutual Fund Best Transaction Reward 12

13 Deposit Composition Composition by Segment Composition by Product Rp Rp % Rp % Rp Rp Rp % 18.11% 17.58% 19.81% 39.38% 37.18% 37.11% Micro SME Consumer Commercial 61.70% 62.79% 65.55% Time Deposit Saving Account Current Account 40.58% 44.53% 45.11% 24.22% 23.57% 23.63% 14.08% 13.64% 10.82% Mar 14 Dec 14* Mar 15 Mar 14 Dec 14* Mar 15 Third Party Funds increased YoY by 15.33% from Rp Trillion to Rp Trillion, and YtD by 4.21% from Rp Trillion to Rp Trillion. The biggest YoY growth comes from time deposit by 22.52%. In Trillion Rupiah unless percentage *Audited 13

14 Loan Composition Outstanding Loan Credit Sector (%) Rp % Rp Rp % 11.36% 37.72% 17.89% Trade Service Construction 38.11% 38.76% 39.10% Micro SME 19.93% 24.47% Others 14.14% 13.60% 13.72% Consumer Commercial 39.35% 37.64% 35.83% Loan increased YoY by 13.50% from Rp Trillion to Rp Trillion, mainly supported by growth of Micro Segment. Meanwhile, in terms of sectors, the biggest market is service sector. Mar-14 Dec-14* Mar-15 In Trillion Rupiah unless percentage *Audited 14

15 Loan Quality Bukopin NPL (%) Bukopin YoY (%) NPL Gross 0.15 NPL Net NPL Gross NPL Net Mar-14 Dec-14* Mar-15 NPL Gross (%) NPL Gross Mar 14 Dec 14* Mar 15 Retail 3.37% 3.66% 3.68% Commercial 1.47% 1.29% 1.17% Bank only *Audited 15

16 Retail Micro Loan Breakdown Rp % 54.86% Rp % 28.02% Rp % 25.43% Rp % Rp % Micro Banking strategies and policies are as follows: Focus on Direct Loan to the pensioners of Government Employees, Indonesian National Army (TNI) and Indonesian National Police (POLRI). Focus on the development of Strategic Alliance with PT Taspen and PT Asabri. Optimization of reseller/partner s performance. Branchless micro banking product development. Focus on fattening and credit quality improvement of Swamitra Focus on developing cooperative and pensioner businesses. Rp % 33.07% 4.90% 27.50% 11.85% 24.56% 9.37% Retirement Direct Retirement Channeling Swamitra Others Mar 14 Dec 14* Mar 15 In Trillion Rupiah unless percentage *Audited 16

17 Retail SME Loan Breakdown Deposit Breakdown Rp Rp Rp Rp Rp Rp % 31.56% 33.09% 24.31% 8.94% 12.59% 23.23% 21.29% 11.05% 11.25% 11.11% 10.71% Trade Services Construction Transportation Others 62.00% 14.58% 61.17% 14.84% 62.25% 17.47% Time Deposit Saving Account Current Account 22.32% 23.04% 23.66% 23.42% 23.99% 20.28% Mar 14 Dec 14* Mar 15 Mar 14 Dec 14* Mar 15 Bank Bukopin commits to advancing the Small & Medium Enterprises (SME). The commitment is realized through the various products and services that Bank Bukopin offers for business entities in the SME sector. In Trillion Rupiah unless percentage *Audited 17

18 Retail Consumer Loan Breakdown Deposit Breakdown Rp. 6.9 Rp. 7.5 Rp. 7.6 Rp Rp Rp % 35.60% 34.66% 44.60% 42.33% 42.90% 20.47% 16.06% 24.77% 17.41% 25.86% 19.26% Car loan Credit Card Housing Loan Others 53.94% 55.69% 55.09% Time Deposit Saving Account Current Account 25.00% 22.21% 20.22% Mar 14 Dec 14* Mar 15 Bank Bukopin s Consumer Business targets individual customers through a range of products to meet a variety of customer s needs. Offering complete range of savings, demand deposits, time deposit, credit card and consumer loan (housing & car loans) products, Bank Bukopin consistently strives to meet the customer s needs. 1.46% 1.98% 2.01% Mar 14 Dec 14* Mar 15 In Trillion Rupiah unless percentage *Audited 18

19 Commercial Loan Breakdown (Rp) Deposit Breakdown (Rp) Rp Rp Rp Rp Rp Rp % 36.11% 36.19% 20.72% 38.34% 22.51% Construction & Property Trading, Hotel & Restaurant Mining Transportation & Telecommunication 78.51% 80.80% 85.75% Time Deposit Current Account 19.99% 16.15% 10.53% 16.91% Others 10.00% 11.20% 16.42% 12.24% 10.00% 21.49% 19.20% 14.25% Mar 14 Dec 14* Mar 15 Mar 14 Dec 14* Mar 15 In Trillion Rupiah unless percentage *Audited 19

20 Fee Based Income Rp. 268 Rp % 57.33% Bank Bukopin s Fee Based Income improved YoY by 29.10% from Rp207 Billion to Rp268 Billion, mainly supported by Credit Cards & Treasury transaction % 11.72% 19.28% 13.26% 9.67% 19.74% Credit Cards Treasury Public Services Others In Billion Rupiah Mar 14 Mar 15 20

21 Corporate Update 21

22 Shareholder s Structure Cooperative of Bulog Employees (KOPELINDO) PT Bosowa Corporindo Government of Republic of Indonesia PUBLIC 25.66% 22.42% 11.43% 40.49% PT Bukopin Finance 88.25% PT Bank Syariah Bukopin 86.82% 22

23 Shareholder s Structure Per 20 April 2015 Subsequent Event Cooperative of Bulog Employees (KOPELINDO) PT Bosowa Corporindo Government of Republic of Indonesia PUBLIC 18.09% 30.00% 11.43% 40.48% PT Bukopin Finance 88.25% PT Bank Syariah Bukopin 86.82% 23

24 Core & Supplementary Capital 16.18% 3.45% 14.21% 14.65% 2.60% 2.92% 12.73% 11.61% 11.72% Supplementary Capital Core Capital Mar 14 Dec 14* Mar 15 According to Bank Indonesia s Regulations, Bank Bukopin is categorized into BUKU 3 with a core capital of Rp Tn. CAR decreased year on year due to the loan expansion in retail segment, which caused an increase in Risk Weighted Assets (RWA). 24

25 History & Key Milestone Bank Umum Koperasi Indonesia (Bukopin) was formed Became a limited liability company, PT Bank Bukopin Became a public-listed company via IPO Acquisition of 24.73% shares of PT. Bank Syariah Bukopin Acquisition of the shares of PT Bukopin Finance Rights Issue I Spinned off Sharia Business Unit to PT Bank Syariah Bukopin in which Bank Bukopin owns 65.4% Issuance of Subordinated Bond Sustainable I Bank Bukopin Period I Year 2012 PT Bosowa Corporindo became the Controlling Shareholder Changed its name into Bank Bukopin Issued Bond Issuance of Series A Bonds, Series B Subordinated Bonds and Sharia Mudharabah Bonds Additional acquisition of the shares of PT Bank Syariah Bukopin, bringing the total shares to 65.44% Paid off Series A Bonds, Series B Subordinated Bonds and Sharia Bonds Rights Issue II Increased ownership in PT Bank Syariah Bukopin became 77.57% Rights Issue III Increased ownership in PT Bank Syariah Bukopin became 86.82% 25

26 Outlet & Electronic Network March 2014 March 2015 Growth Branches Sub Branches Cash Offices (2) Micro-Service Offices (2) Payment Point Pickup Service Total outlet ATMs Mini ATMs 1,346 1, Nanggroe Aceh Darussalam West Sumatera North Sumatera Riau Island Riau Jambi South Sumatera West Kalimantan East Kalimantan South Kalimantan North Sulawesi DKI Lampung Jakarta Central Java South Sulawesi Banten East Java West Java D.I.Yogyakarta Bali West Nusa Tenggara East Nusa Tenggara Bank Bukopin currently has network in 22 out of 34 provinces in Indonesia. Bank Bukopin s ATM card gives its holder access to all major ATM networks in Indonesia (including ATM BCA Prima, ATM Bersama and ATM Plus), comprising more than 30,000 ATMs. Bank Bukopin manages more than 27,000 PPOB outlets across Indonesia that reaches out to the urban and rural population. 400 of that will be changed into Micro sector Meeting Point and will be the embryo of Bank Bukopin s Branchless Banking. Our IT system provides real time monitoring of each branch s transactions and positions. 26

27 Appendix 27

28 Board of Commissioners Board of Commissioners & Directors Mulia P. Nasution President Commissioner Deddy S.A. Kodir Commissioner Muhammad Rachmat Kaimuddin* Commissioner Margustienny Oemar Ali Independent Commissioner Parikesit Suprapto Independent Commissioner Omar Sjawaldy Anwar* Independent Commissioner Eddy Hutarso* Independent Commissioner Directors Glen Glenardi President Director Tri Joko Prihanto Finance & Planning Director Agus Hernawan Retail Director Mikrowa Kirana Commercial Director Adhi Brahmantya Business Development and IT Director Sulistyohadi DS Services & Operation Director Irlan Suud Risk Management, Compliance & HR Development Director *Subject to Financial Services Authority (OJK) approval 28

29 Award Banking Customer Satisfaction Survey Top two position in the Banking Customer Satisfaction Survey by Institute of Service Management Studies (ISMS) Trisakti University and Infobank Magazine 29

30 Thank You Contact Us: Corporate Secretary Investor Relations , ext. 1108,