PT Bank OCBC NISP Tbk Financial Performance 3 rd Quarter 2009 (Unaudited)

Transcription

1 PT Bank OCBC NISP Tbk Financial Performance 3 rd Quarter 2009 (Unaudited) This report is solely for the use of PT. Bank OCBC NISP Tbk. No part of it may be circulated, quoted, or reproduced for distribution outside the organization without prior written approval from PT. Bank OCBC NISP Tbk. This material was used by PT. Bank OCBC NISP Tbk.during an oral presentation; it is not a complete record of the discussion.

2 Brief Profile Financial Result 3Q 2009 Qualitative Review 2

3 Vision Mission - Value Vision To be the Bank of choice with world-class standards, recognized for its caring and trustworthiness. Mission Bank NISP will conduct its business and will operate as an honorable corporate citizen that grows together with the society in a sustainable manner. Values Solid, Genuine, Supportive, Connected, Forward Looking, Dynamic 3

4 Brief Background Established in Bandung in 1941: NV. Nederlandsch Indische Spaar En Deposito Bank Fourth oldest bank in Indonesia. Solid track record in surviving crisis including in 1998 Indonesian banking meltdown. Listed on Indonesia Stock Exchange in offices and 547 ATMs in 62 cities across Indonesia (as of 30 September 2009) with more than 22,000 ATMs network (including ATM Bersama, ATM BCA, BankCard Malaysia and OCBC Bank-Singapore). 5,496 dedicated employees (as of 30 September 2009). Change the name to PT Bank OCBC NISP Tbk as of 22 December 2008 Core market: > 65% in consumer & small-medium enterprises (SME). 4

5 Stronger Commitment The Extraordinary General Meeting of Shareholders which was held on Thursday, 16 October 2008, at Bank NISP Tower, Jakarta, approved the changes in the Articles of Association on Article 1 point 1 on change of the name of the Company from PT Bank NISP Tbk to PT Bank OCBC NISP Tbk Old Logo New Logo Old Name PT. Bank NISP Tbk New Name PT. Bank OCBC NISP Tbk By using OCBC Name, OCBC Bank as the Controlling Shareholder has a much stronger commitment 5

6 Board of Commissioners 1. Chairman : Pramukti Surjaudaja 2. Deputy Chairman (Independent Commissioner) : Peter Eko Sutioso 3. Commissioner : Lelarati Lukman 4. Commissioner (Independent Commissioner) : Roy A. Karaoglan Ph.D. 5. Commissioner : David P. Conner 6. Commissioner (Independent Commissioner) : Jusuf Halim 7. Commissioner (Independent Commissioner) : Goh Kim Bun, Benny 8. Commissioner : Lai Teck Poh (Dua Teck Poh) 6

7 Board of Directors 1. President Director & CEO : Parwati Surjaudaja 2. Deputy President Director : Na Wu Beng 3. Director : Hardi Juganda 4. Director : Yogadharma Ratnapalasari 5. Director : Rama P. Kusumaputra 6. Director : Louis Sudarmana (Luianto Sudarmana) 7. Director : Rudy N. Hamdani (Rudy Hamdani) 8. Director : Alan Jenviphakul 7

8 Brief Profile Financial Result 3 rd Quarter 2009 Qualitative Review 8

9 Third Party Deposits Grew by 17% YoY 10% 32,600 9% IDR Billion 29,733 26,224 28,591 17% 25,970-6% 22,219 21,090 19,869 Total Assets Total Liabilities Deposits Loans (gross) 30-Sep Sep-09 IDR Billion Q Q QoQ Q YoY Total Assets 32,600 34,356-5% 29,733 10% Total Liabilities 28,592 30,533-6% 26,225 9% Deposits 25,970 27,253-5% 22,219 17% Loans (gross) 19,869 18,909 5% 21,090-6% Shareholders Equity 4,008 3,823 5% 3,508 14% Allowance for Possible Loan Losses % % 9

10 Net Income After Tax increased by 36% YoY 1,011 27% 1,285 IDR Billion 39% 36% Net Interest Income Non Interest Income Net Income After Tax YTD Sep 08 YTD Sep 09 IDR Billion Q Q QoQ YtD Sep 09 YtD Sep 08 YoY Net Interest Income % 1,285 1,011 27% Non Interest Income % % Other Operating Expenses % 1, % Operating Profit Before Provisions % % Provisions Expenses % % Net Income Before Tax % % Net Income After Tax % % EPS (Rp) % % Book Value/Share (Rp) % % 10

11 Key Ratios Ratios 30-Sep Sep-08 CAR 18.92% 17.00% LDR 76.46% 94.87% ROA 1.72% 1.53% ROE 11.34% 8.85% NPL (gross) 3.93% 2.27% NPL (net) 2.04% 1.69% NIM 5.53% 5.46% Non Interest Income/Operating Income 23.23% 21.66% Cost to Income 61.47% 69.42% 11

12 Earning Assets Composition As at 30 September 2009 Loans (67.7%) Marketable Securities (including SBI) (14.4%) Placement with others Banks & BI (8.6%) Government Bonds (7.7%) Acceptance Receivables (1.4%) Investments (0.2%) IDR Billion 30 Sep Sep 2008 YoY Loans 19,869 21,090-6% Marketable Securities (incl. SBI) 4,235 2,755 54% Placement with Other Banks & Bank Indonesia 2, % Government Bonds 2, % Acceptance Receivables % Investment % Total 29,331 26,049 13% 12

13 LDR increased to 76.46% as at 30 September % In Billion IDR 76.69% 71.02% 69.35% 76.46% 22,219 21,090 20,810 27,123 27,458 27,253 19,507 18,909 19,869 25,970 Sep 08 Dec 08 Mar 09 Jun 09 Sep 09 Loan (Gross) Third Party Deposits LDR 13

14 Loan Portfolio as at 30 September 2009 Type of Use Sector Consumption 30.61% Investement 27.44% Other Consumer 11.40% Others 7.56% Manufacturing 23.03% Working Capital 41.95% Mortgage 19.21% Services 15.53% Trading 23.27% Currencies IDR 84.52% Other Currency 15.48% 14

15 Net NPL Ratio Increased to 2.04% In Billion IDR 3.56% 3.91% 3.93% 2.72% 2.27% 1.69% 1.75% 2.21% 1.89% 2.04% 21,090 20,810 19,507 18,909 19,869 Sep 08 Dec 08 Mar 09 Jun 09 Sep 09 Loan NPL Gross NPL Net 15

16 Lower Cost Fund up 40% YoY In Trillion IDR 45.4% 44.4% 43.4% 48.6% 54.6% Sep 08 Dec 08 Mar 09 Jun 09 Sep 09 Demand Deposits Savings Time Deposits Low Cost Fund 16

17 Brief Profile Financial Result 3 rd Quarter 2009 Qualitative Review 17

18 Qualitative Review Extensive Network Distribution Branches Distribution 138 in West Java 108 Jakarta 34 East Java 28 Central Java 73 in other cities (Sumatra, Sulawesi, Kalimantan, Bali, etc) 381 offices and 547 ATMs covering 62 cities across Indonesia. ATM More than 22,000 ATMs in Indonesia, Singapore and Malaysia: ATM NISP ATM Bersama ATM BCA BankCard Malaysia OCBC Singapore 18

19 Qualitative Review Strengthening Human Capital Creating an improvement plan of Human Capital Management system by the implementation of Web-based Human Capital Information System (HCIS) infrastructure. Encouraging all employees to have opportunities to fill any vacant position at every layer of the organization through internal assessment process. Sustainable transfer of knowledge from OCBC Bank through various program such as training, Attachment Program, etc. Carried out various training and development programs in OCBC NISP Learning Center for all employees from various cities in Indonesia as well as OCBC Group member. 19

20 Qualitative Review Product and Service Initiatives Bancassurance Product Development To increase the penetration of insurance product through banking transaction, Bank OCBC NISP together with CIGNA insurance launched the new products in term of Income Protection (Personal Accident Insurance) and Medi Plan (Health Insurance). Liquid Platinum Credit Card Launch various attractive programs and promotions to the Bank s loyal customers. Launching Mighty Saver A saving Account for Children with age of 0 15 years old, with the Theme Let's Save in A Fun Way theme. Seller of Government Retail Bond (ORI006) Appointed again by the Government of Indonesia to be one of the Seller for Government Retail Bond (ORI006) Launching EDC (Electronic Data Capture) The newest facilities to do non cash transaction with real time. Wealth Management Product Development Various development for non traditional product investment. 20

21 Qualitative Review Among the highest rated banks FitchRatings - New York - US - Dec 2008 National Long Term to AA+(idn) In the top 3 highest National Long Term rated banks in Indonesia Long-term foreign and local currency BB (idn) Outlook: Stable Support Rating of 3 Pefindo Indonesia (affiliated with Standard&Poor s) Mar 2009 Corporate Rating id AA- Subordinated Bond id A+ 21

22 Qualitative Review Shareholder Structure Qualitative Review OCBC Overseas Shareholders Structure Investments 74.73% International Finance Corporation 7.17% Others 18.10% OCBC Bank is Singapore s longest established bank (est. 1912) and one of Asia s leading financial services groups, with group assets of more than SGD 180 billion as of March 2009 and 470 branches and offices in 15 countries and territories including Singapore, Malaysia, Indonesia, China, Hong Kong SAR, Brunei, Japan, Australia, UK and USA. OCBC Bank are among the Top 50 safest bank worldwide in 2009, according to Global Finance Magazine. IFC (International Finance Corporation), established in 1956, is a member of the World Bank Group. Bank NISP is the first bank in Indonesia to receive IFC investment in terms of Senior Loan, Equity and Technical Assistance programs. 22

23 Qualitative Review OCBC Bank Singapore Controlling Shareholder Support from OCBC Bank Singapore: Partner since 1997 Committed Shareholder from 22.5% ownership in 2004 increased to 74.73% in Capital support ATM network link-up Senior Executive placement on Board of Commissioners Senior Executive placement on Board of Directors Intensive knowledge, capability transfer and trainings Support to broaden product suites and to share experience in various area including product management, marketing, branding, channel delivery, risk management, audit, process improvement, information technology and operational platform and processes. 23

24 Qualitative Review OCBC Bank Singapore Controlling Shareholder Product development support, such as Consumer Banking, Cash Management, Premier Banking, Structured product set up, Rocket/Wealthmap (financial planning concept and tools), Wealth Management, Bancassurance, Credit Card. Process improvement, includes Cross functional projects (Sunrise, Quantum Leap, Pegasus), Silverlake Core Banking System, IT System Enhancement (Velocity, E-Alert), Conceptualization and implementation of Quality program. Others, such as attachment program to OCBC, setting up Corporate Secretary function, setting up Risk Management and Risk Based Audit, Fund Transfer Pricing Set Up. 24

25 Qualitative Review International Finance Corporation (IFC) World Bank Group Support from IFC: Senior Executive placement on Board of Commissioners Capital support Senior loans Partial Guarantee Program Technical Assistance: Good Corporate Governance Asset Liability Management Strategic Planning Credit Risk Management 25

26 Corporate Social Responsibilities Focus on Education Sponsoring National Science Olympic 2009 in Aug 3-8, 2009 In co-operation with Karya Salemba Empat (KSE): actively involved in interviewing the students of UI and IPB. July 11 and 25, 2009 Participating in OCBC Bank program : School Renovation in Banjaran West Java. Aug 11-15, 2009 Scholarship program for employees. Community Programs In Co-operation with Wali Songo (Kwitang branch s customer) for mass circumcision. July 4, 2009 Ramadan activities for communities in several branch areas: Jakarta, Bandung, Pangkal Pinang and Mataram. The Activities were: Bazaar, breaking the fast, food and staple supplies distribution to the neighborhood society conducted in August September

27 Corporate Social Responsibilities Regular blood donation programs in several branches of Bank OCBC NISP, July 2009 Social activities : West Java earthquake aids, by giving basic needs for the victims, in Tasikmalaya and Cianjur on September 10, 2009 In sport activities, Bank OCBC NISP supported Softball and Baseball Association to participate in Little League Baseball Championship (LLBC) 2009, July

28 International Accolades FinanceAsia Magazine, Hong Kong - Asia s Best Companies 2009 for category Best Mid Cap - Asia s Best Companies 2005 for category Best Small Cap Asian Banking & Finance Magazine Singapore - Retail Bank of the Year Asian Banking & Finance Retail Banking Awards. - Retail Bank of the Year Asian Banking & Finance Retail Banking Awards Bank of New York, USA Straight through Processing (STP) Award 2006 for Very Accurate Foreign exchange (USD) Transfer Processing. Enterprise Asia - Malaysia Pramukti Surjaudaja, (Chairman of Bank OCBC NISP) was elected as Outstanding Entrepreneur in Asia Pacific Entrepreneurship Awards

29 International Accolades Asiamoney Magazine - Hongkong 2009 Asiamoney FX Polls 2009 : Best Domestic Provider for 6 categories among other: Best FX Prime Broking Services, Competitive and prompt forward pricing, Best FX (vanilla) Options Provider for Local Asian Currencies, Macroeconomic Research, Best for Innovative FX Products & Structured Ideas (Rank 2), and Best Single Bank Electronic Trading Platform (Rank 3) 2008 : Asiamoney FX Polls 2008 : Best Domestic Provider for 2 categories among other: Best FX Prime Booking Services and Best Single-Bank Electronic Trading Platform Best Managed Companies 2006 Asiamoney FX Polls 2006 : Best Domestic Provider for 2 categories among other: Best for Competitive and Prompt Spot Pricing and Best for Competitive and Prompt Forward Pricing 2004 Asiamoney Trade Finance Poll 2004 for 5 categories among other: Best Services for All Trade Needs, Best Customer Support, Best Overall/ Local Services, Most Competitive Pricing, and Best Product Range : Best Managed Companies 2003 Best Commercial Bank in Indonesia,

30 Domestic Accolades Business Review Magazine 2009 Best GCG Financial Category 2009 Swa Magazine 2008 Corporate Governance Perception Index (CGPI) 2007 Award For category Trusted Award InfoBank Magazine - The Best Bank in Service Excellence 2008/2009 (MRI & Infobank): Rank Golden Trophy for Excellent Financial Performance period of Banking Service Excellence Awards 2005 for Best Overall Performance (3rd place) in the Banks with Assets below Rp. 50 trillion - Best Public Bank

31 Domestic Accolades Annual Report Award - Annual Report Award 2007 Rank 2 for Private Listed of Financial Sector - Annual Report Award 2006 Rank 2 for Private Listed of Financial Sector SWA Magazine Best Performance Management (Top 2) in the HR Excellence Awards Investor Magazine 2006 : - Mr. Pramukti Surjaudaja was elected as Financial Figure for Banking Industry Sector : - Best Public Listed Company in Banking Sector

32 Thank You PT. Bank OCBC NISP Tbk Corporate Communication Division Bank OCBC NISP Tower Jl. Prof. Dr. Satrio Kav. 25, Jakarta Indonesia T : , F : E : ir@ocbcnisp.com 32