bank bukopinfinal).pdf · important: the following forms part of, and should be read in conjunction...

CORPORATE PRESENTATION

1H 2015

BANK BUKOPIN

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that could cause actual results, performance or events to differ materially from those in the statements as originally made.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.

DISCLAIMER

2

OUTLINE

3

Financial Update 4

Business Update 7

Corporate Update 21

Appendix 26

Financial Update

Financial Highlight

Jun -14 (IDR

Trillion)

Dec -14* (IDR

Trillion)

Jun -15 (IDR

Trillion)

YoY (%)

Asset 72.7 79.1 84.7 16.49

Loan 50.9 55.3 58.7 15.31

Deposit 61.0 65.4 70.7 16.04

- Current Account 10.2 8.9 8.8 (13.44)

- Saving Account 13.9 15.4 15.4 10.69

- Time Deposit 36.9 41.1 46.5 26.20

Equity 6.6 6.8 7.2 8.47

Interest Income 3.4 7.1 4.0 17.47

Fee Based Income 0.4 0.9 0.6 28.95

Earning Before Tax**

660.2 971.1 629.0 (4.73)

Earning After Tax**

517.3 726.8 509.2 (1.57)

Jun -14 (%)

Dec -14* (%)

Jun -15 (%)

YoY (%)

CAR 15.10 14.21 14.23 (0.88)

ROE 18.19 12.50 16.29 (1.90)

ROA 1.94 1.33 1.55 (0.39)

NIM 3.90 3.70 3.41 (0.50)

BOPO 83.01 88.27 85.75 2.74

LDR 82.18 83.89 82.26 0.08

NPL Gross 2.60 2.78 2.88 0.28

NPL Net 1.87 2.07 2.16 0.29

CIR 61.95 67.29 62.63 0.69

5

Consolidated

Bank Only

*Audited **In IDR Billion

39.17%

62.36%

36.09%

60.83%

37.64%

63.91%

Jun-14 Dec-14* Jun-15

Retail

Commercial

22.85% 23.57%

12.45%

16.69% 13.64%

21.80%

62.79% 65.75%


Time Deposit

Saving Account

Current Account

60.46%

Loan & Deposit Highlight

Deposit (IDR Trillion)

6

50.9

55.3

Loan (IDR Trillion)

61.0 65.4

58.7

70.7

*Audited

Business Update

SME

“To be a key player in SME Banking”

Core Business

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.

Micro

“To be a market leader in business to business

Micro and a prime player for Rural Micro Banking”

Objective:

To become a top bank through focusing on value

Consumer

“To be a Preferred Partner for Mass, Mass Affluent Customers and Business

Owners”

Commercial

“Sustain Current Market Position”

MAIN BUSINESS PILLARS

Supported by Treasury Business, International Banking and Fee-Based Services

8

RETAIL COMMERCIAL

9

To Be the Reputable

Financial Institution

In Integrated

Financial Services

Strengthening the Structure of Capital

Focusing on Retail Segment

Strengthening Non Interest Income Business

Improvement of Information Systems and Technology

Enhance the Role of Risk Management and

Compliance Aspects

Strategic Plan

10

Business Focus – Funding

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Customer Base and Quality

Business Process

Priority Segment Customer

Channel Distribution

Product Development

- Point Reward Savings Account. - Merdeka Time Deposit. - 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.

- Mass Afluent Customers in Retail Segment - Corporate Partnership

- Discipline Business Process - Reward System

- Outlets - E-Banking - E-Money - Branchless Banking

- Government Financial - Private Financial Institutions

11

Business Focus – Lending



Customer Base and Quality

Business Process

Priority Segment Business


Product Development


- 12 Retail Segmentations - 4 Corporate Segmentations - Middle Class Consumers

- Government Retirees for Micro Banking - Two step loans partnership

- Outlets - Credit Cards

- Project Based - Distribution Based - Transaction Based - Consumption Based

12

Business Focus – Fee Based



Transactional Focus

Business Process

Priority Segment Business


Product Development


- Credit Card Holders - Public Utility Payment - Treasury - Micro Banking

- PPOB - E-Banking - Merchant

- Community Credit Card - Billing System - Forex - Mutual Fund - Best Transaction Reward


MicroSMEConsumerCommercial

61.0

17.97%

35.75%

46.04%

0.24%

65.4

18.11%

0.19%

37.18%

0.17%

16.83%

35.45%

47.55%

44.52%

Deposit Composition

Composition by Segment (IDR Trillion)

13

Third Party Funds increased YoY by 16.04% from IDR 61.0 Trillion to IDR 70.7 Trillion, and YtD by 8.18% from IDR 65.4 Trillion to IDR 70.7 Trillion. The biggest YoY growth comes from time deposit by 26.20 %.

Composition by Product (IDR Trillion)

22.85% 23.57%

12.45% 16.69%

13.64%

60.46%

62.79%

65.75%


Time Deposit

Saving Account

Current Account

21.80%

61.0

65.4 70.7 70.7

*Audited

37.64% 36.09%

13.60% 11.79%

38.76% 40.05%

10.00% 12.07%


Micro

SME

Consumer

Commercial

58.7

8.36%

Loan Composition

Outstanding Loan (IDR Trillion)

17.12%

25.38%

20.18%

37.32% Trade

Service

Construction

Others

Loan increased YoY by 15.31% from IDR 50.9 Trillion to IDR 58.7 Trillion, mainly supported by growth of Micro Segment. Meanwhile, in terms of sectors, the biggest market is service sector.

14

50.9 55.3

37.92%

14.54%

39.18%

Credit Sector (%)

*Audited

Loan Quality

15

NPL Gross (%)

Bukopin YoY (%)

NPL Gross 0.28%

NPL Net 0.29%

2.60 2.78 2.88

1.87 2.07 2.16


NPL Gross

NPL Net

NPL Gross Jun -14 Dec -14* Jun -15

Retail 3.13% 3.79% 3.98%

Commercial 1.87% 1.29% 1.14%

Bank only *Audited

Bukopin NPL (%)

Retail - Micro

16


Retirement - Direct & Channeling

Swamitra

Others

7.1

68.90%

22.70%

8.40%

4.3

5.5

34.34%

50.77%

14.89%

27.50%

60.65%

11.85%

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.

Loan Breakdown (IDR Trillion)

*Audited

Retail - SME

17

Bank Bukopin commits to advance 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.


Time Deposit

Saving Account

Current Account

11.9

63.66%

11.0

57.07%

14.11%

28.82%

61.17%

14.84%

23.99%

11.8

14.79%

21.55%

12.19% 11.12%

10.25%

11.05% 12.24%

24.19%

23.23%

23.03%

30.77%

31.56%

31.68%


Trade

Services

Construction

Transportation

Others10.05%

23.04% 22.80% 22.80%

21.4

19.3

23.5

Loan Breakdown (IDR Trillion) Deposit Breakdown (IDR Trillion)

*Audited

Retail - Consumer


Car loanCredit CardHousing LoanOthers

7.5

25.68%

30.60%

22.81%

20.91%

18

7.4

21.18%

15.65%

39.22%

23.95%

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 customer’s

needs.

24.77%

17.41%

35.60%

22.22%


Time Deposit

Saving Account

Current Account

2.35% 1.98%

21.8

41.82%

56.47%

42.33%

55.69%

24.3

6.9

25.1

43.47%

54.18%

Loan Breakdown (IDR Trillion) Deposit Breakdown (IDR Trillion)

*Audited

1.71%

Commercial


Construction & Property

Trading, Hotel & Restaurant

Mining

Transportation &Telecommunication

Others

21.2

37.41%

21.44%

18.98%

11.86%

10.31%

19

19.9 20.8


Deposit Breakdown (IDR Trillion)

Time Deposit

Current Account

83.35%

16.65%

28.1 29.1

23.34%

19.26%

9.23%

36.79%

11.38%

36.19%

16.15%

10.53%

20.71%

16.42%

23.41%

76.59% 80.80%

19.20%

33.6

Loan Breakdown (IDR Trillion)

*Audited

Fee Based Income

Bank Bukopin’s Fee Based Income improved YoY by 28.95% from IDR 447 Billion to IDR 576 Billion, mainly supported by Credit Cards & Treasury transaction.

21.30% 21.55%

21.27

55.97%

56.16%

9.01% 10.56% 10.94%

12.22% 12.17%

11.35%

57.50%


Credit Cards

Treasury

Public Services

Others

576

20

447

In IDR Billion

945

*Audited

Corporate Update

Shareholder’s Structure

PT Bosowa

Corporindo

30.00%

Government of

Republic of

Indonesia

11.43%

PUBLIC

40.48%

PT Bukopin Finance

88.25%

PT Bank Syariah Bukopin

86.82%

22

Cooperative of

Bulog Employees

(KOPELINDO)

18.09%

Core & Supplementary Capital

23

• According to Bank Indonesia’s Regulations, Bank Bukopin is categorized as BUKU 3 with a core capital of IDR 6.16 Tn.

• CAR decreased year-on-year due to loan expansion, which caused an increase in Risk Weighted Assets (RWA).

11.90% 10.98%

3.20%

3.25%


Supplementary Capital

Core Capital

14.23%

15.10%

14.21%

11.61%

2.60%

History & Key Milestone

1989 1993 2003 2006 2008 2009 2011 1970 2012 2013 2014

• 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

Rights Issue III

• Rights Issue II

• Increased

ownership in PT

Bank Syariah

Bukopin became

77.57%

• 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

Issuance of

Series A Bonds,

Series B

Subordinated

Bonds and

Sharia

Mudharabah

Bonds

• Changed its

name into

Bank

Bukopin

• Issued Bond

• 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

Became a

limited liability

company, PT

Bank Bukopin

Bank Umum

Koperasi

Indonesia

(Bukopin)

was formed

24

2015

• PT Bosowa

Corporindo became

the Controlling

Shareholder

• Issuance of

Subordinated Bond

Sustainable II Bank

Bukopin Period I Year

2015

Increased

ownership in PT

Bank Syariah

Bukopin became

86.82%

Outlet & Electronic Network

June

2014

June

2015

Growth

2014-2015

Branches 40 40 0

Sub Branches 118 121 3

Cash Offices 144 143 (1)

Micro-Service

Offices

87 90 3

Payment Point 39 40 1

Pickup Service 8 8 0

Total outlet 436 442 6

ATMs 530 679 149

Mini ATMs 1.764 1.258 (506)

• 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 27,200 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.

Lampung

Nanggroe

Aceh Darussalam

Riau

West Sumatera

West Kalimantan

South

Kalimantan

Banten

North Sulawesi

South Sulawesi

Bali West Nusa

Tenggara East Nusa Tenggara

East Java West Java

D.I.Yogyakarta

DKI

Jakarta Central Java

North Sumatera

Riau Island

East Kalimantan

Jambi

South Sumatera

25

Appendix

Glen Glenardi

President Director

Setiawan

Sudarmaji*

Services & Operation

Director

Eko R Gindo*

Finance & Planning

Director

Mikrowa Kirana

Commercial

Director

Adhi Brahmantya

Business Development

and IT Director

Heri Purwanto*

Retail Director

Irlan Suud

Risk Management,

Compliance & HR

Development Director

27

Karya Budiana*

Independent

Commissioner

Mulia P. Nasution

President

Commissioner

Deddy S.A. Kodir

Commissioner

Muhammad

Rachmat

Kaimuddin*

Commissioner

Margustienny

Oemar Ali

Independent

Commissioner

Eddy Hutarso*

Independent

Commissioner

Parikesit Suprapto

Independent

Commissioner

Board of Commissioners

Directors

*Subject to Financial Services Authority (OJK) approval

Board of Commissioners & Directors

Awards

28

“Banking Service Excellence 2015 “

Awarded for 7th Best Overall Performance 2015

from InfoBank Magazine

“Service Quality Award”

Awarded for recognition of outstanding achievement

as a 2nd rank of Banking Service Quality in 2014

from ISMS

For further info please contact:

[email protected]

[email protected]

www.bukopin.co.id

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