Materi Presentasi Analyst Meeting 3Q15 (27-10-15) FINAL · Strategic Plan. 10 Business Focus ......

CORPORATE PRESENTATION3Q 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 tothe 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 ofoperations and businesses, and related plans and objectives. These Statements do not directly or exclusively relate to historical facts and reflectthe Company’s current intentions, plans, expectations, assumptions and beliefs about future events. The Statements involve known and unknownrisks 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that could cause actual results, performance or events to differ materially from those in the statements as originally made.Such statements are not, and should not be construed as a representation to future performance of the Company.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 allforward-looking statements contained herein with caution.

DISCLAIMER

2

OUTLINE

3

Financial UpdateFinancial Update 44

Business UpdateBusiness Update 77

Corporate UpdateCorporate Update 2121

AppendixAppendix 2626

Financial Update

Financial Highlight

Sep ‐14 (IDR

Trillion)

Dec ‐14*(IDR

Trillion)

Sep ‐15 (IDR

Trillion)

YoY (%)

Asset 77.9 79.1 89.5 14.84

Loan 50.4 55.3 62.7 24.50

Deposit 64.1 65.4 73.5 14.68

‐ Current Account 8.9 8.9 8.1 (9.45)

‐ Saving Account 14.9 15.4 15.0 0.68

‐ Time Deposit 40.4 41.1 50.5 25.15

Equity 6.7 6.8 7.4 10.66

Interest Income 5.2 7.1 6.1 17.26

Fee Based Income 0.7 0.9 0.9 26.21

Earning Before Tax** 861.8 971.1 977.8 13.45

Earning After Tax** 676.6 726.8 798.3 17.98

Sep ‐14 (%)

Dec ‐14*(%)

Sep ‐15 (%)

YoY(%)

CAR 14.49 14.21 14.16 (0.33)

ROE 16.05 12.50 16.70 0.64

ROA 1.66 1.33 1.58 (0.08)

NIM 3.74 3.70 3.56 (0.18)

BOPO 85.91 88.27 85.90 (0.01)

LDR 77.11 83.89 84.88 7.77

NPL Gross 3.09 2.78 2.86 (0.23)

NPL Net 2.42 2.07 2.20 (0.21)

CIR 64.96 67.29 61.54 (3.42)

5

Consolidated

Bank Only

*Audited**In IDR Billion

62.36%

37.64%

Sep‐14 Dec‐14* Sep‐15

Retail

Commercial

64.10%

35.90%

50.4

63.10%

36.90%

23.18% 23.57%

10.95%13.86% 13.64%

20.35%

62.79% 68.70%


Time Deposit

Saving Account

Current Account

0.33%

64.1

62.96%

Loan & Deposit Highlight

Deposit (IDR Trillion)

6

55.3

Loan (IDR Trillion)

65.4

62.7

73.5

*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 areMicro 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

PrioritySegment Customer

Channel Distribution

Product Development

‐ Point Reward SavingsAccount.‐Merdeka Time Deposit.‐ Cash Card for PLN.‐ BPJS Smart Card for BPJSketenagakerjaan.

‐ Cash Management for LPDB,Securities, Insurance, BPJSKetenagakerjaan, etc.

‐Mass Afluent Customers inRetail Segment

‐ Corporate Partnership‐ Discipline BusinessProcess‐ Reward System

‐ Outlets‐ E‐Banking‐ E‐Money‐ Branchless Banking

‐ Government Financial‐ Private FinancialInstitutions

11

Business Focus – Lending



Customer Base and Quality

Business Process

Priority SegmentBusiness


Product Development

‐ Discipline BusinessProcess‐ Reward System

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

‐ GovernmentRetirees for MicroBanking

‐ Two step loanspartnership

‐ Outlets‐ Credit Cards

‐ Project Based‐ Distribution Based‐ Transaction Based‐ Consumption Based

12

Business Focus – Fee Based



Transactional Focus

Business Process

Priority SegmentBusiness


Product Development

‐ Discipline BusinessProcess‐ Reward System

‐ 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

64.1

23.24%

30.51%

46.03%

0.22%

65.4

18.11%

0.19%

37.18%

0.19%

19.47%

33.02%

47.32%

(0.11%)

44.52%

Deposit Composition

Composition by Segment (IDR Trillion)

13

Third Party Funds increased YoY by 14.68% from IDR 64.1 Trillion to IDR 73.5 Trillion, and YtD by 12.46% from IDR 65.4 Trillion toIDR 73.5 Trillion. The biggest YoY growth comes from time deposit by 25.15%. due to increased in the long term deposit.

Composition by Product (IDR Trillion)

23.18% 23.57%

10.95%13.86% 13.64%

62.96%62.79%

68.70%


Time Deposit

Saving Account

Current Account

20.35%

64.1

65.473.5

0.33%

73.5

*Audited

37.64%36.89%

13.60%10.92%

38.76% 40.12%

10.00% 12.07%

Sep-14 Dec-14* Sep-15

Micro

SME

Consumer

Commercial

62.7

9.55%

Loan Composition

Outstanding Loan (IDR Trillion)

18.67%

19.96%

20.57%

40.80% Trade

Service

Construction

Others

Loan increased YoY by 24.50% from IDR 50.4 Trillion toIDR 62.7 Trillion, mainly supported by growth of MicroSegment. Meanwhile, in terms of sectors, the biggestmarket is construction sector.

14

50.455.3

39.39%

15.17%

35.89%

Credit Sector (%)

*Audited

Loan Quality

15

NPL Gross (%)

Bukopin YoY (%)

NPL Gross (0.23)

NPL Net (0.21)

3.092.78 2.86

2.422.07 2.20

Sep-14 Dec-14* Sep-15

NPL Gross

NPL Net

NPL Gross Sep ‐14 Dec ‐14* Sep ‐15

Retail 3.85% 3.79% 4.01%

Commercial 1.89% 1.29% 1.10%

Bank only*Audited

Bukopin NPL (%)

Retail ‐Micro

16

24.39%

32.63%51.29%


Retirement ‐ Direct

Retirement ‐ Channeling

Swamitra

Others

7.6

20.18%

21.17%

7.36%

4.8

5.5

30.96%

31.75%

12.90%

27.50%

28.02%

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 IndonesianNational Police (POLRI).

• Focus on the development of Strategic Alliance with PT Taspenand 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 servicesthat Bank Bukopin offers for business entities in the SME sector.


Time Deposit

Saving AccountCurrent Account

14.3

69.07%

(0.20%)

11.8 14.9

66.34%

13.62%

20.04%

61.17%

14.84%

23.99%

11.13%

19.80%

11.77% 11.11% 7.51%

11.05%16.67%

23.86%23.23%

17.72%

30.65%

31.56%

27.86%


Trade

Services

Construction

Transportation

Others10.69%

23.05% 30.24% 23.03%

21.419.9

25.2

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

*Audited

Retail ‐ Consumer


Car loan

Credit Card

Housing Loan

Others

7.5

21.34%

33.35%

23.78%

21.53%

18

7.6

22.25%

15.86%

37.22%

24.67%

Bank Bukopin’s Consumer Business targets individual customers through a range of products to meet a variety of customer’s needs. Offering complete range ofsavings, demand deposits, time deposit, credit card and consumer loan (housing & car loans) products, Bank Bukopin consistently strives to meet customer’sneeds.

24.77%

17.41%

35.60%

22.22%


Time DepositSaving AccountCurrent Account

2.46%1.98%

19.6

33.65%

65.08%

42.33%

55.69%

24.3

6.8

24.3

42.82%

54.72%

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

*Audited

1.27%


Construction & Property

Trading, Hotel & Restaurant

Energy & Mining

Transportation &Telecommunication

Others

23.2

36.19%

26.92%

17.77%

11.63%

7.49% 6.51%

Commercial

19

18.1

20.8


Deposit Breakdown (IDR Trillion)

Time Deposit

Current Account86,88%

13.12%

(1.57%)

29.5 29.1

27.54%

20.48%

11.35%

34.12%

36.19%

16.15%

10.53%

20.71%

16.42% 19.02%

80.98% 80.80%

19.20%

34.8

Loan Breakdown (IDR Trillion)

*Audited

Fee Based Income

Bank Bukopin’s Fee Based Income improvedYoY by 26,21% from IDR 724 Billion to IDR913 Billion, mainly supported by Credit Cards& Treasury transactions.

22.56% 21.55% 18.07%

53.97%

56.16%

8.97%11.77%10.94%

17.32%11.70%11.35%

55.64%


Credit Cards

Treasury

Public Services

Others

913

20

724

In IDR Billion

945

*Audited

Corporate Update

Shareholder’s Structure

PT BosowaCorporindo

30.00%

Government ofRepublic of

Indonesia

11.43%

PUBLIC

40.48%

PT Bukopin Finance

88.25%PT Bank Syariah Bukopin

89.07%

22

Cooperative ofBulog 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 6.49 Tn.

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

11.71% 10.96%

2.78%

3.20%


Supplementary Capital

Core Capital

14.16%

14.49%

14.21%

11.61%

2.60%

History & Key Milestone

1989 1993 2003 2006 2008 2009 20111970 2012 2013 2014

• Rights Issue I• Spinned off Sharia

Business Unit to PT Bank SyariahBukopin 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 SyariahBukopin 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 MudharabahBonds

• 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 BukopinFinance

Became a limited liability company, PT Bank Bukopin

Bank UmumKoperasiIndonesia (Bukopin) was formed

24

2015

• PT BosowaCorporindo became the Controlling Shareholder

• Issuance of Subordinated Bond Sustainable II Bank Bukopin Period I Year 2015

• Increased ownership in PT Bank SyariahBukopin became 89.07%

Increased ownership in PT Bank SyariahBukopin became 86.82%

Outlet & Electronic Network

September2014

September2015

Growth2014-2015

Branches 40 41 1

Sub Branches 119 121 2

Cash Offices 145 148 3

Micro-Service Offices

87 90 3

Payment Point 39 37 (2)

Pickup Service 8 8 0

Total outlet 438 445 7

ATMs 600 734 134

Mini ATMs 1.951 1,075 (876)

• Bank Bukopin currently has network in 23 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 30.800 PPOB outlets across Indonesia that reaches out to the urban and rural population. 400 of that will be added Meeting Point Facility 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 NusaTenggara

East Nusa Tenggara

East Java West Java

D.I.Yogyakarta

DKI Jakarta Central Java

North Sumatera

Riau Island

East Kalimantan

JambiSouth Sumatera

25

Appendix

Glen GlenardiPresident Director

Setiawan SudarmajiServices & Operation Director

Eko R GindoFinance & Planning Director

Mikrowa KiranaCommercial Director

Adhi BrahmantyaBusiness Development and IT Director

Heri PurwantoRetail Director

Irlan SuudRisk Management, Compliance & HR Development Director

27

Karya BudianaIndependent Commissioner

Mulia P. NasutionPresident Commissioner

Deddy S.A. KodirCommissioner

Muhammad RachmatKaimuddinCommissioner

MargustiennyOemar AliIndependent Commissioner

Parikesit SupraptoIndependent Commissioner

Board of Commissioners

Directors

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 2nd rank of Banking Service Quality in 2014 from ISMS

“Indonesia’s Top 100 Most Valuable Brand 2015”

Certified for 47th rank in Most Valuable Indonesian 2015 & awarded for US$ 67 Mil Brand Value & A+

from Brand Finance, SWA & WIR Global

“2015 Banking Service Excelence”Awarded for 7th Best Overal Performance for Commercial Bank from InfoBank & MRI

“Service Quality Award”Awarded for outstanding achievement as a 2nd rank of Banking Service Quality in 2014

from Institute of Management Studies

“Indonesia WOW Service Excellence Award 2015”Consolation PrizeWinner of

Indonesia WOW Service Excellence Award 2015 Category Conventional Bank (BUKU III) Region Sumatera

from Markplus Inc.

“Indonesia WOW Service Excellence Award 2015”

Consolation PrizeWinner of Indonesia WOW Service Excellence Award 2015 Category Conventional Bank (BUKU III) Region Kalimantan from Markplus Inc.

“Infobank Awards 2015”Best of the best Financial

Performance 2000-2015 from Infobank

For further info please contact:[email protected]

[email protected]

www.bukopin.co.id

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