BANK BUKOPINFINAL).pdf · IMPORTANT: The following forms part of, and should be read in conjunction...
Transcript of BANK BUKOPINFINAL).pdf · IMPORTANT: The following forms part of, and should be read in conjunction...
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CORPORATE PRESENTATION
1H 2015
BANK BUKOPIN
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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that could cause actual results, performance or events to differ materially from those in the statements as originally made.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
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OUTLINE
3
Financial Update 4
Business Update 7
Corporate Update 21
Appendix 26
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Financial Update
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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
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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%
Jun-14 Dec-14* Jun-15
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
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Business Update
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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
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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
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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
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11
Business Focus – Lending
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Customer Base and Quality
Business Process
Priority Segment Business
Channel Distribution
Product Development
- Discipline Business Process - Reward System
- 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
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12
Business Focus – Fee Based
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Transactional Focus
Business Process
Priority Segment Business
Channel Distribution
Product Development
- Discipline Business Process - 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
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Jun-14 Dec-14* Jun-15
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%
Jun-14 Dec-14* Jun-15
Time Deposit
Saving Account
Current Account
21.80%
61.0
65.4 70.7 70.7
*Audited
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37.64% 36.09%
13.60% 11.79%
38.76% 40.05%
10.00% 12.07%
Jun-14 Dec-14* Jun-15
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.
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50.9 55.3
37.92%
14.54%
39.18%
Credit Sector (%)
*Audited
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Loan Quality
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NPL Gross (%)
Bukopin YoY (%)
NPL Gross 0.28%
NPL Net 0.29%
2.60 2.78 2.88
1.87 2.07 2.16
Jun-14 Dec-14* Jun-15
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 (%)
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Retail - Micro
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Jun-14 Dec-14* Jun-15
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
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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.
Jun-14 Dec-14* Jun-15
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%
Jun-14 Dec-14* Jun-15
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
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Retail - Consumer
Jun-14 Dec-14* Jun-15
Car loanCredit CardHousing LoanOthers
7.5
25.68%
30.60%
22.81%
20.91%
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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%
Jun-14 Dec-14* Jun-15
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%
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Commercial
Jun-14 Dec-14* Jun-15
Construction & Property
Trading, Hotel & Restaurant
Mining
Transportation &Telecommunication
Others
21.2
37.41%
21.44%
18.98%
11.86%
10.31%
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19.9 20.8
Jun-14 Dec-14* Jun-15
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
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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%
Jun-14 Dec-14* Jun-15
Credit Cards
Treasury
Public Services
Others
576
20
447
In IDR Billion
945
*Audited
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Corporate Update
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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%
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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%
Jun-14 Dec-14* Jun-15
Supplementary Capital
Core Capital
14.23%
15.10%
14.21%
11.61%
2.60%
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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%
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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
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Appendix
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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
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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
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For further info please contact:
www.bukopin.co.id