Dynamism and Consistency

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  • Best Domestic Commercial Bank In Indonesia,

    awarded by Asiamoney, 2002

    Best Public Bank In Indonesia,

    awarded by InfoBank, 2002

    2002 annual report

    Dynamism and Consistency

    in Quality

    BANK NISP

  • Daftar Isi

    Ikhtisar Data Keuangan 1Saham dan Dividen 2Kilas Balik Bank NISP 4Kepada para Pemegang Saham 10Laporan Direksi 16Tata Kelola Perusahaan 24Manajemen Risiko 38Analisis dan Pembahasan Manajemen

    atas Kinerja Perusahaan 44Profil Perusahaan 61Laporan Keuangan 2002 74

    Contents

    Financial Highlights 1Stocks & Dividends 2Overview of Bank NISP 4To Our Shareholders 10Report from the Board of Directors 16Corporate GovernanceRisk Management 38Management Discussion & Analysis of

    the Banks Performance 44Corporate Profile 612002 Financial Report 74

    24

    VISION

    MISSION

    To be the bank of choice

    by being dynamic, flexible

    and efficient in employing best practices

    To serve in a fair, balanced

    and exemplary manner to our

    customers, employees,

    shareholders, and other stakeholders

    through a commitment to

    financial soundness, customer service,

    employee professionalism,

    corporate governance,

    ethics and profitability

  • Financial Highlights - Ikhtisar Keuangan

    1

    10,811,350 7,137,365 5,261,023 4,044,071 2,674,214 Total aktiva

    6,299,074 4,355,093 3,024,895 1,348,625 972,295 Kredit yang diberikan (bruto)

    (108,264) (72,239) (95,169) (74,451) (75,246) Penyisihan penghapusan kredit

    8,582,858 5,528,351 3,416,399 2,729,855 1,689,600 Dana pihak ketiga

    1,004,653 768,769 538,309 379,931 245,472 Giro

    1,070,757 755,751 643,359 513,536 234,162 Tabungan

    6,507,448 4,003,831 2,234,730 1,836,388 1,209,966 Deposito

    157,912 227,O84 392,655 369,995 433,116 Pinjaman diterima

    9,487,503 6,060,785 4,206,204 3,619,961 2,271,468 Total penghimpunan dana

    896,958 479,341 379,605 325,552 312,874 Modal sendiri

    267,053 200,799 146,901 108,341 112,915 Pendapatan bunga bersih

    92,319 69,745 53,296 23,557 35,019 Pendapatan non-bunga

    136,498 94,852 70,752 25,018 34,869 Laba sebelum pajak

    92,364 71,492 60,665 19,491 26,311 Laba bersih

    Laba terhadap Volume Usaha

    1.52% 1.53% 1.53% 0.74% 1.59% (ROAA)

    Laba terhadap Total Ekuitas

    19.84% 22.06% 20.16% 7.84% 14.42% (ROAE)

    3.72% 3.61% 3.49% 3.03% 4.80% Net Interest Margin (NIM)

    75.61% 77.52% 76.39% 49.25% 57.13% Loan to Deposits Ratio (LDR)

    Capital Adequacy Ratio

    12.57% (CAR)

    46.50% 44.13% 44.92% 73.50% 38.80% Cost to income ratio

    Kredit non-performing

    1.67% 4.09% 6.11% 14.11% 14.80% terhadap kredit total

    Aktiva produktif yang

    diklasifikasi terhadap

    1.09% 1.82% 3.97% 3.96% 4.97% aktiva produktif (KAP)

    PPAP yang dibentuk

    4,922.30 4,O98.32 3,349.64 2,957.72 2,317.03 (jutaan Rp/orang)

    3,254.5 2,456.1 2,218.9 2,218.9 2,218.9 Jumlah lembar saham (juta)

    28.38 29.11 27.34 8.78 11.86 Laba per saham (Rp)

    Accounts (Million Rupiah)

    Total assets

    Loans (gross)

    Loan loss provisions

    Third party deposits

    Demand deposits

    Savings

    Time deposits

    Borrowings

    Total funding

    Stockholders' equity

    Net Interest income

    Non-lnterest income

    Income before tax

    Net income

    Ratios (%)

    Return on Average Assets

    (ROAA)

    Return on Average Equity

    (ROAE)

    Net Interest Margin (NIM)

    Loan to Deposits Ratio (LDR)

    Capital Adequacy Ratio

    (CAR)

    Cost to income ratio

    Non-performing loans

    to total loans

    Classified earning assets

    provision to total

    earning assets

    Recorded earning assets

    Productivity (million Rp/person)

    Shares

    Number of shares (million)

    Earning Per Share (Rp)

    2002 2001 2000 1999 1998 Pos-pos (Juta Rupiah)

    Rasio (%)

    Saham

    Consolidated Consolidated Consolidated

    Konsolidasi Konsolidasi Konsolidasi

    9.03% 9.94% 14.87% 20.46%

    terhadap PPAP

    113.14% 107.58% 100.94% 118.18% 116.26% yang wajib dibentuk

    Produktivitas

    provision to required earning

    assets provision

    Note: restated for 1998-2001 for comparative purposes Catatan: tahun 1998-2001 disajikan kembali untuk kepentingan perbandingan

  • 2

    Stocks & Dividends - Saham & Dividen

    Bank NISP Stock History

    Corporate Actions Listing Date Additional Listed Total Accumulated Listed Shares Nominal

    Shares (shares) Number of Shares (shares) Value

    (shares) (Rp)

    Dividend History

    2002 2001 2000 1999 1998

    2002

    2000 1999 1998 1997 Riwayat Dividen

    Tanggal Saham Baru Modal Disetor Jumlah Saham Harga

    Pencatatan (saham) (saham) yang dicatatkan Nominal

    (Saham) (Rp)

    62,500,000 62,500,000 1,000

    125,000,000 125,000,000 500

    50,000,000 175,000,000 175,000,000 500

    57,750,000 232,750,000 232,750,000 500

    63,000,000 295,750,000 295,750,000 500

    253,471,865 549,221,865 549,221,865 500

    549,221,865 1,098,443,730 1,087,459,293 250

    117,432,571 1,215,876,301 1,203,717,537 250

    810,584,200 2,026,460,501 2,006,195,895 250

    2,026,460,501 4,052,921,002 4,012,391,792 125

    67.6 22.6 152.6 135.9 31.9 Nilai transaksi (miliar Rp.)

    3,213 1,433 2,815 7,594 2,205 Frekuensi transaksi (kali)

    460 305 420 Kuartal 2

    60,290,000,756 19,490,567,558 26,310,842,995 24,411,992,455 Laba bersih (Rp)

    1,215,876,301 1,098,443,730 549,221,865 175,000,000 Jumlah saham

    15 5 12.5 65.25 Dividen per saham (Rp)

    18,238,144,515 5,492,218,650 6,865,273,312 11,418,750,000 J

    30.25 28.18 26.09 46.78 Dividen thd laba bersih (%)

    Initial Public Offering October 20, 1994

    1st Stock split (1-for-1) February 3, 1997

    1st Bonus stocks (2-for-5) February 28, 1997

    2nd Bonus stocks (33-for-100) December 4, 1998

    Stock dividend (9-for-25) December 4, 1998

    1st Rights Issue December 18, 1998

    2nd Stock split (1-for-1) November 4, 1999

    2nd Rights Issue January 18, 2001

    3rd Rights Issue July 2, 2002

    3rd Stock split (2-for-1) February 13, 2003

    Value traded (billion Rp)

    Frequency (times)

    2nd Quarter

    Net Income (Rp)

    Number of shares

    Dividend per share (Rp)

    Total dividend (Rp)

    Dividend ratio to net Income (%)

    Shares volume

    (million shares)

    1st Quarter

    3rd Quarter

    4th Quarter

    200.2 107.3 577.1 167.8 51.4 Volume saham (juta lembar)

    Harga Saham (Rp) Tertinggi Terendah Penutupan Tertinggi Terendah Penutupan

    335 205 305 230 175 180 Kuartal 1

    240 200 230

    430 385 420 200 190 195 Kuartal 3

    400 300 400 210 185 210 Kuartal 4

    umlah dividen (Rp)

    2001

    Share Prices (Rp) Highest Lowest Closing Highest Lowest Closing

  • 3

    Shareholders Structure - Struktur Pemegang Saham

    Shareholders Number of Shares %

    Pemegang Saham Jumlah Saham %

    International Finance Corporation 609,780,862 15.05%

    Bank of Bermuda Ltd. 482,808,634 11.91%

    PT Suryasono Sentosa 471,205,714 11.63%

    PT Udayawira Utama 471,205,712 11.63%

    PT Surya Putra Raharja 396,805,716 9.79%

    Stiles Investments Limited 316,024,650 7.80%

    Hurst Investments Limited 316,044,648 7.80%

    Moore Investments Limited 167,016,692 4.12%

    Publik 822,028,374 20.27%

    Total 4,052,921,002 100%

    Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

    500

    400

    300

    200

    100

    Pergerakan Harga Saham2002

    Stock Price Movement

    2002

    Months/Bulan

    Avera

    ge

    Clo

    sin

    gP

    rice/

    Harg

    aPenutu

    pan

    Rata

    -rata

  • 4

    Overview of Bank NISP - Kilas Balik Bank NISP

    62 tahun yang lalu, tepatnya tanggal 4 April 1941, Bank NISP didirikan di Bandung

    dengan nama NV Nederlandsch Indische Spaar En Deposito Bank.

    Sixty-two years ago -- on April 4, 1941 to be precise -- Bank NISP was

    established in Bandung, West Java, under the name NV Nederlandsch

    Indische Spaar En Deposito Bank.

  • 5

    Sebagai bank keempat tertua di Indonesia, pada awal mula pendiriannya Bank NISP beroperasi sebagai bank

    tabungan dan pada tahun 1967 memperoleh peningkatan status sebagai bank komersial.

    Pada tahun 1972 Bank NISP menjalin aliansi kerjasama pembiayaan dan bantuan teknis dengan Daiwa Bank

    melalui Bank Daiwa Perdania yang merupakan bank patungan pertama di Indonesia. Bank NISP kemudian

    menjadi salah satu pemegang saham di Bank Daiwa Perdania dimana per 31 Desember 2002 persentase

    sahamnya sebesar 19,92%.

    Peningkatan status sebagai bank devisa diperoleh Perseroan pada tahun 1990. Seiring dengan itu, kepercayaan

    dari berbagai lembaga internasional terus bertambah. Exim Bank of Japan dan Netherlands Development Finance

    Company (FMO) menyalurkan pinjaman lunak jangka panjang kepada usaha kecil dan menengah melalui Bank

    NISP. Selain itu, USAID dari Amerika Serikat juga mengikutsertakan Bank NISP dalam program penjaminan

    portofolio pinjaman.

    Bank NISP is the fourth oldest bank in Indonesia and initially operated as a

    savings bank. In 1967 the bank's status was changed to that of a commercial

    bank.

    In 1972, Bank NISP entered into a financing and technical assistance agreement

    with Daiwa Bank of Japan through Bank Daiwa Perdania, which was the first joint

    venture bank in Indonesia. Bank NISP then became a shareholder in Bank Daiwa

    Perdania with a shareholding of 19.92% as of December 31, 2002.

    Bank NISP's status was upgraded in 1990 when the bank became a f