OCBC - AR - 2018 - Final - Full - Low - Compressed · Berbagai upaya transformasi Bank OCBC NISP...

2018Annual Report andSustainability Report

Laporan Tahunan danLaporan Keberlanjutan

Beyond Traditional Banking

2 Laporan Tahunan 2018 Bank OCBC NISP

Para pembaca dapat menyampaikan pertanyaan atau saran terkait isi laporan melalui: [102-53]

Readers can submit questions or suggestions related to the contents of the report through:

Departemen | Department : Corporate SecretaryAlamat | Address : OCBC NISP Tower, Lt. 8, Jl. Prof. Dr. Satrio Kav. 25, Jakarta 12940Telepon | Telephone : +62-21-255 33 888Faksimili | Facsimile : +62-21-579 44 000E-mail : [email protected]

KONTAK PERUSAHAAN | COMPANY CONTACT

Bank OCBC NISP

1Bank OCBC NISP 2018 Annual Report

TRANSFORMASI MENUJU

SOLUSI PERBANKAN MASA DEPAN

Moving forward, beyond traditional banking, has become the journey of Bank OCBC NISP in response

to the new era of banking business, where information technology, digitalization and customer

experience are significant factors for gaining competitive advantages in the financial services industry

sector. This requires not only transformation of governance, business processes and human resources

capabilities, but also changes in business strategies to address risks and opportunities. ONe Mobile,

Velocity and Premium Guest House are some of the products and services that mark the business

transformation towards future banking solutions for customers.

Bergerak maju, melewati batas perbankan tradisional, merupakan upaya Bank OCBC NISP untuk

merespon era baru bisnis perbankan, yang menempatkan teknologi informasi, digitalisasi, dan

pengalaman pelanggan sebagai faktor utama memperoleh keunggulan kompetitif di sektor industri

jasa keuangan. Untuk itu, dibutuhkan tidak hanya transformasi tata kelola, proses bisnis dan kapabilitas

sumber daya manusia, tetapi juga perubahan besar pada strategi bisnis dalam mengelola risiko dan

peluang. ONe Mobile, Velocity dan Premium Guest House merupakan beberapa produk dan layanan

yang menandai transformasi bisnis dalam menghadirkan solusi perbankan masa depan bagi pelanggan.

Transformation Towards Future Banking Solutions

BEYOND

TRADITIONAL

BANKING


Kesinambungan TemaTheme Continuity

Pada tahun 2018, Bank OCBC NISP terus melangkah maju

dan melanjutkan transformasi untuk merespon dinamika

dan perubahan industri perbankan dan kebutuhan

nasabah yang terus berkembang dengan cepat. Berbagai

upaya transformasi Bank OCBC NISP akan terus berlanjut

untuk mewujudkan Bank OCBC NISP lebih dari institusi

perbankan tradisional yang mampu menghadapi

tantangan di masa depan dengan memanfaatkan

teknologi digital. Bank meluncurkan aplikasi ONe Mobile

yang memungkinkan nasabah melakukan mayoritas

transaksi melalui mobile phone. Inovasi ini diikuti oleh

transformasi fungsi kantor cabang berkonsep knowledge

sharing dengan meluncurkan Premium Guest House.

Untuk nasabah korporasi, Bank menghadirkan sistem

e-banking yang dinamakan Velocity.

In 2018, Bank OCBC NISP continued to move forward with its transformation in response to

the banking industry’s dynamics and changes and the rapidly growing customer needs. These

transformation efforts will enable the Bank to become more than a traditional banking institution,

but one that is capable in facing the future challenges by utilizing digital technology. The Bank

launched its ONe Mobile application allowing customers to make the majority of their financial

transactions through a mobile phone. This was followed by the launch of Premium Guest House

that entailed transforming branch office functions with a knowledge-sharing concept. For

corporate customers, the Bank offered an e-banking system called Velocity.

Memperkenalkan tagline “With You”, dan

menunjukkan komitmen untuk terus tumbuh bersama nasabah

dan masyarakat, serta melanjutkan

pertumbuhan bisnis melalui pencapaian

sejumlah target bisnis.

Introducing the tagline “With You”,

and demonstrating a commitment

on continued growth with customers

and society through business target

achievements.

Melanjutkan serangkaian program kerja

strategis dalam rangka membangun

keunggulan kompetitif di industri

perbankan nasional.

Continuing the strategic work program

in order to build competitiveness in the

national banking industry.

Our Mutual Growth

Moving Ahead Progressively 75 Years of Sustainable Growth Pursuing Strong Sustainable Growth

Membina kemitraan yang erat dengan

pemangku kepentingan untuk menciptakan

nilai bagi pertumbuhan berkelanjutan.

Building strong and meaningful partnership

with our stakeholders to create values for

sustainable growth.

Meningkatkan kualitas menyeluruh untuk mencapai

pertumbuhan berkelanjutan.

Improving overall quality to

achieve sustainable growth.

2018Annual Report andSustainability Report

Laporan Tahunan danLaporan Keberlanjutan

Beyond Traditional Banking


Daftar IsiContents

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IKHTISAR OPERASIONAL DAN PENCAPAIAN KINERJA 2018OPERATIONAL HIGHLIGHT AND PERFORMANCE ACHIEVEMENT 2018

Ikhtisar Data Keuangan PentingFinancial Highlights

Ikhtisar Saham | Stock Highlights

Peristiwa Penting 2018 | 2018 Significant Events

2 LAPORAN MANAJEMENMANAGEMENT REPORT

Laporan Dewan KomisarisThe Board of Commissioners Report

Laporan DireksiThe Board of Directors Report

Surat Pernyataan Anggota Dewan Komisaris dan Direksi tentang Tanggung Jawab atas Laporan Tahunan 2018 PT Bank OCBC NISP Tbk Statement of the Board of Directors and Board of Commissioners regarding Responsibility for the 2018 Annual Report of PT Bank OCBC NISP Tbk

Profil Pemegang Saham PengendaliControlling Shareholder’s Profile

Sambutan dari Grup CEO OCBC BankMessage from the Group CEO of OCBC Bank

Profil Dewan KomisarisProfile of the Board of Commissioners

Profil DireksiProfile of the Board of Directors

Komposisi Pemegang SahamComposition of Shareholders

Kronologi Pencatatan SahamChronology of Share Listing

Kronologis Pencatatan Efek LainnyaChronology of Other Securities Listing

Struktur Grup PerusahaanCompany’s Group Structure

Perusahaan Afiliasi | Affiliated Companies

Lembaga dan Profesi Penunjang Pasar ModalCapital Market Supporting Institutions & Professions

Penghargaan dan Sertifikasi di Tahun 2018Awards and Certifications in 2018

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PEMBAHASAN DAN ANALISIS MANAJEMENMANAGEMENT DISCUSSION & ANALYSIS

Tinjauan Bisnis | Business Overview

Perbankan Ritel | Retail Banking

Perbankan Bisnis | Business Banking

Tinjauan Pendukung BisnisBusiness Support Overview

Sumber Daya Manusia | Human Capital

Teknologi Informasi | Information Technology

Tinjauan Keuangan | Financial Overview

Gambaran Umum Makro Ekonomi Indonesia Tahun 2018 Indonesian Macro Economic Overview in 2018

Industri Perbankan IndonesiaIndonesian Banking Industry

Tinjauan Kinerja Operasional BankThe Bank’s Operational Performance Overview

Kinerja Keuangan BankThe Bank’s Financial Performance

Posisi Keuangan BankThe Bank’s Financial Position

3 PROFIL PERUSAHAANCOMPANY PROFILE

Data Perusahaan | Company Data

Riwayat Singkat PerusahaanBrief History of the Company

Jejak Langkah | Milestone

Makna Logo dan Brand Bank OCBC NISPThe Meaning of Bank OCBC NISP Logo and Brand

Visi dan Misi | Vision and Mission

Budaya Perusahaan | Corporate Culture

Bidang Usaha | Line of Business

Jaringan Mitra Usaha | Business Partnership

Produk dan Jasa | Products and Services

Struktur Organisasi | Organizational Structure


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LAPORAN TATA KELOLA PERUSAHAANCORPORATE GOVERNANCE REPORT

Dasar-dasar Penerapan Tata KelolaFundamentals in Implementing Governance

Pelaksanaan Tata Kelola TerintegrasiImplementation of Integrated Governance

Rapat Umum Pemegang SahamGeneral Meeting of Shareholders

Dewan Komisaris | The Board of Comissioners

Direksi | The Board of Directors

Komite-Komite di Bawah Dewan KomisarisCommittees under the Board of Commissioners

Komite-komite di Bawah DireksiCommittees under the Board of Directors

Sekretaris Perusahan | Corporate Secretary

Audit Intern | Internal Audit

Fungsi Kepatuhan | Compliance Function

Audit Ekstern | External Audit

Sistem Pengendalian InternalInternal Control System

Perkara Penting dan Permasalahan Hukum yang Dihadapi Perusahaan/Entitas Anak/Anggota Direksi/Anggota Dewan KomisarisSignificant and Legal Cases Faces by the Company/Subsidiaries/Members of the Board of Directors/Members of the Board of Commissioners

Transaksi yang Mengandung Benturan KepentinganConflict of Interest Transactions

Buyback Saham dan/atau Buyback ObligasiShare Buyback and/or Bond Buyback

Pemberian Dana untuk Kegiatan Sosial dan Kegiatan PolitikAllocation of Funds for Social Activities and Political Activities

Sanksi Administratif | Administrative Sanctions

Hubungan Investor | Investor Relations

Kode Etik PerusahaanCorporate Code of Conduct

Program Kepemilikan Saham oleh Karyawan dan/atau Manajemen yang Dilaksanakan Perusahaan (ESOP/MSOP)Employee or Management Share Ownership Program

Informasi Penting LainnyaOther Important Information

Struktur Modal | Capital Structure

Kemampuan Membayar UtangSolvency

Kebijakan Dividen | Dividend Policy

Investasi Barang ModalCapital Investment

Ikatan Material untuk Investasi Barang ModalSignificant Capital Commitment

Informasi Transaksi Material yang Mengandung Benturan Kepentingan atau Transaksi dengan Pihak AfiliasiInformation of Transaction with Conflict of Interest or Related Parties

Informasi Material Mengenai Investasi, Ekspansi, Divestasi, Penggabungan/Peleburan Usaha, Akuisisi atau Restrukturisasi Utang/ModalInformation on Investments, Expansion, Divestment, Merger/ Consolidation, Acquisition or Debt/Capital Restructuring

Laporan Realisasi Penggunaan Dana Hasil Penawaran UmumReport of Use of Proceeds from Initial Public Offerings

Perubahan Peraturan Perundang-undangan yang Berdampak Material Terhadap Kinerja KeuanganChanges in Laws and Regulations Impacting Financial Performance

Informasi Keuangan yang Telah Dilaporkan yang Mengandung Kejadian yang Sifatnya Luar Biasa atau Jarang TerjadiReported Financial Information Pertaining to Extraordinary Events

Informasi dan/atau Fakta Material yang Terjadi Setelah Tanggal Laporan AkuntanSubsequent Events

Perubahan Kebijakan Akuntansi yang Berdampak Material Terhadap Kinerja KeuanganChanges in Accounting Policies that Affect Financial Performance

Suku Bunga Dasar Kredit (SBDK)Prime Lending Rate

Target dan Realisasi tahun 20182018 Target and Realization

Target Tahun 2019 | 2019 Target

Prospek Usaha dan Prioritas Strategis Tahun 2019Business Prospects and Strategic Priorities for 2019


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MANAJEMEN RISIKORISK MANAGEMENT

Overview Manajemen Risiko 20182018 Risk Management Overview

Penerapan Manajemen Risiko di BankImplementation of Risk Management

Permodalan dan Praktik Manajemen RisikoCapital and Risk Management Practices

Pengelolaan Risiko KreditCredit Risk Management

Pengelolaan Risiko PasarMarket Risk Management

Pengelolaan Risiko Aset dan LiabilitasAsset and Liability Risk Management

Pengelolaan Risiko OperasionalOperational Risk Management

Pengelolaan Risiko Pencucian Uang & Pendanaan Terorisme Anti Money Laundering and Combating the Financing of Terrorism Risk Management Pengelolaan Risiko HukumLegal Risk Management

Pengelolaan Risiko StratejikStrategic Risk Management

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DATA PERUSAHAANCORPORATE DATA

Pejabat Eksekutif | Executive Leaders

Jaringan Kantor | Office Network

Referensi POJK 51 dan Index Isi Standar GRIPOJK 51 Refference and GRI Standard Content Index

8 LAPORAN KEBERLANJUTAN 20182018 SUSTAINABILITY REPORT

Tentang Laporan KeberlanjutanAbout the Sustainability Report

Ikhtisar Kinerja Keberlanjutan 20182018 Sustainability Performance Overview

Tanggung Jawab Sosial dan LingkunganCorporate Social and Environmental Responsibility

Bisnis Berintegritas | Business with Integrity

Tanggung Jawab Barang dan/atau JasaResponsibility for Products and/or Services

Tanggung Jawab dan Pengembangan Sosial dan KemasyarakatanResponsibility for Social and Community Development

Tanggung Jawab pada Praktik KetenagakerjaanResponsibility for Employment Practices

Tanggung Jawab Lingkungan HidupEnvironmental Responsibility

Pengelolaan Risiko KepatuhanCompliance Risk Management

Pengelolaan Risiko ReputasiReputation Risk Management

Evaluasi Manajemen RisikoRisk Management Evaluation

Pengelolaan Risiko ke DepanRisk Management Moving Forward

Tabel-Tabel Manajemen RisikoRisk Management Tables

9 LAPORAN KEUANGANFINANCIAL STATEMENTS

Penerapan RemunerasiApplication of Remuneration

Penyediaan Dana Kepada Pihak Terkait dan Penyediaan Dana BesarProvision of Funds to Related Parties and Provision of Large Funds

Rencana Strategis BankThe Bank’s Strategic Plan

Transparansi Kondisi Keuangan dan Non Keuangan BankTransparency of Bank Financial and Non-Financial Conditions

Kebijakan Antikorupsi | Anti-Corruption Policy

Penerapan Aspek Pedoman Tata Kelola Perusahaan Terbuka Implementation of Corporate Governance Guideline for Public Companies

Tata Kelola Unit Usaha SyariahSharia Business Unit Corporate Governance


Bank OCBC NISP merupakan bagian dari OCBC Bank, sebuah

bank terkemuka di Asia, yang beroperasi di 19 negara dan

wilayah teritorial, diantaranya Singapura, Malaysia, Indonesia,

China, Hong Kong, Taiwan, Thailand, Korea Selatan, Jepang,

Australia, Inggris dan Amerika Serikat, melalui produk dan

layanan masa depan berbasis customer experience untuk

mencapai pertumbuhan bisnis berkelanjutan.

Bank OCBC NISP as part of OCBC Bank, a leading bank in Asia, operating in 19

countries and regions, among others: Singapore, Malaysia, Indonesia, China,

Hong Kong, Taiwan, Thailand, South Korea, Japan, Australia, the United

Kingdom and the United States of America, through up-to-date customer

experience products and services to achieve sustainable business growth.

Employees

Karyawan

6,075

Offices ThroughoutIndonesia

Kantor di Seluruh Indonesia

308

BEBERAPA PENGHARGAAN TERKINISELECTED RECENT AWARDS

The Banker Award - LondonBank of the Year - Indonesia

IKHTISAR OPERASIONAL DANPENCAPAIAN KINERJA 2018Operational Highlights andPerformance Achievement 2018

1

Indonesia Country Awards Programme for Technology Innovations The Best Cloud Based Initiative, Application or Programme

Asian Banking & FinanceRetail Banking AwardMobile Banking Initiative of the Year – Indonesia

Corporate GovernancePerception Index AwardMost Trusted Company

Asian Banking &Finance Retail BankingAward SME Bankof The Year



LOANS BASED ON TYPE OF USAGEKREDIT MENURUT JENIS PENGGUNAAN

DEPOSIT COMPOSITIONKOMPOSISI SIMPANAN NASABAH

Total Assets

Jumlah Aset

Rp173.6 T Rp117.8 T

Total Gross Loans

Jumlah Kredit Bruto

The 8th Largest Bankin Terms of Total Assets

Bank Terbesar ke-8dari Sisi Total Aset

#8

PORTOFOLIO YANG TERDIVERSIFIKASI DENGAN BAIKWELL DIVERSIFIED PORTFOLIO

KINERJA KEUANGAN BERKELANJUTANSUSTAINABLE FINANCIAL PERFORMANCE

Total Third-Party Funds

Jumlah Dana Pihak Ketiga (DPK)

Rp125.6 T

Operating Income

Pendapatan Operasional

Rp7.8 T

Net Income

Laba Bersih

Rp2.6 T

Total Equity

Jumlah Ekuitas

Rp24.4 T

Return on Assets (ROA)

Imbal Hasil Aset

2.10%

Return on Equity (ROE)

Imbal Hasil Ekuitas

11.78%

PENGGUNA PERBANKAN DIGITALDIGITAL BANKING USERS

More than 254,000 ONe Mobile Users

Lebih dari 254.000 Pengguna ONe Mobile

254,000

More than 13,000 Velocity Users

Lebih dari 13.000 Pengguna Velocity

13,000

41.0%Investasi

Investment

47.1%Modal KerjaWorking Capital

11.9%Konsumsi

Consumer

17.8%GiroCurrent Account

18.7%Tabungan

Saving Account

63.5%Deposito BerjangkaTime Deposits



1 Ikhtisar Operasional dan Pencapaian Kinerja 2018Operational Highlights and Performance Achievement 2018

Keterangan 2018 2017 2016 2015 2014 Description

Laporan Posisi Keuangan Statements of Financial Position

Jumlah Aset 173,582,894 153,773,957 138,196,341 120,480,402 103,111,114 Total Assets

Jumlah Aset Produktif 160,473,383 142,761,899 127,530,027 110,685,337 94,438,269 Total Earning Assets

Kredit yang diberikan - Bruto 117,834,798 106,349,408 93,362,639 85,879,019 68,363,239 Loans - Gross

Kredit yang diberikan - Bersih 113,490,896 102,189,794 90,247,652 84,040,768 66,933,612 Loans - Net

Dana Pihak Ketiga 125,560,448 113,440,672 103,559,959 87,280,244 72,805,057 Deposits from Customers

Giro 22,320,229 26,137,974 24,511,895 22,506,230 14,025,069 Current Accounts

Tabungan 23,545,674 17,580,916 16,289,473 13,646,077 11,250,140 Savings Accounts

Deposito Berjangka 79,694,545 69,721,782 62,758,591 51,127,937 47,529,848 Time Deposits

Pinjaman yang Diterima 1,979,456 - - 2,757,000 2,477,000 Borrowings

Pinjaman Subordinasi 143,800 - - - - Subordinated Debts

Jumlah Liabilitas 149,154,640 131,989,603 118,689,765 104,069,055 88,167,748 Total Liabilities

Jumlah Ekuitas 24,428,254 21,784,354 19,506,576 16,411,347 14,943,366 Total Equity

Laporan Laba Rugi danPenghasilan Komprehensif Lainnya

Statements of Profit or Loss andOther Comprehensive Income

Pendapatan Bunga Bersih 6,377,935 6,039,255 5,393,287 4,418,917 3,744,698 Net Interest Income

Pendapatan Operasional Lainnya 1,410,794 1,512,518 1,415,506 854,463 743,261 Other Operating Income

Total Pendapatan Operasional 7,788,729 7,551,773 6,808,793 5,273,380 4,487,959 Total Operating Income

Cadangan Kerugian Penurunan Nilaiatas Aset Keuangan dan Lainnya

789,524 1,311,683 1,315,656 454,307 221,335 Allowance for Impairment Losses onFinancial Assets and Others

Beban Operasional Lainnya 3,512,758 3,362,563 3,150,676 2,818,186 2,489,916 Other Operating Expenses

Laba Operasional 3,486,447 2,877,527 2,342,461 2,000,887 1,776,708 Income from Operations

Laba Sebelum Pajak Penghasilan 3,485,834 2,877,654 2,351,102 2,001,461 1,776,712 Income Before Tax

Laba Bersih 2,638,064 2,175,824 1,789,900 1,500,835 1,332,182 Net Income

Penghasilan/(Beban) KomprehensifLain Tahun Berjalan, Setelah Pajak

5,836 101,954 1,305,329 (32,854) 71,339 Other Income/(Expenses)Comprehensive for The Year,

Net of Tax

Total Laba KomprehensifTahun Berjalan, Setelah Pajak

2,643,900 2,277,778 3,095,229 1,467,981 1,403,521 Total Comprehensive Incomefor The Year, Net of Tax

Laba yang dapat Diatribusikankepada:

Profit Attributable to:

Pemilik 2,638,064 2,175,824 1,789,900 1,500,835 1,332,182 Owners

Kepentingan Non Pengendali - - - - - Non-Controlling Interests

Laba Komprehensif yang dapatDiatribusikan kepada:

Comprehensive IncomeAttributable to:

Pemilik 2,643,900 2,277,778 3,095,229 1,467,981 1,403,521 Owners

Kepentingan Non Pengendali - - - Non-Controlling Interests

Laba Bersih per Saham Dasar*(Nilai Penuh)

114.97 94.83 78.01 65.41 58.06 *Earnings per Share (Full Amount)

Dalam jutaan Rupiah, kecuali dinyatakan lain. In million Rupiah, unless otherwise stated.

* Laba Bersih per Saham Dasar mengikuti kondisi setelah pembagian saham bonus pada tahun

2018.

*Earning per Share is adjusted to follow the position after bonus share distribution

in 2018.

Ikhtisar Data Keuangan PentingFinancial Highlights


Keterangan 2018 2017 2016 2015 2014 Description

Rasio Keuangan, Kepatuhan dan Lain-lain

Financial Ratios, Compliance and Others

Rasio Keuangan Financial Ratios

Rasio Kecukupan Modal (CAR) 17.63% 17.51% 18.28% 17.32% 18.74% Capital Adequacy Ratio (CAR)

Rasio Kredit Bermasalah (NPL) Bruto 1.73% 1.79% 1.88% 1.30% 1.34% Non Performing Loan (NPL) Gross

Rasio Kredit Bermasalah (NPL) Bersih 0.82% 0.72% 0.77% 0.78% 0.80% Non Performing Loan (NPL) Net

Imbal Hasil Aset (ROA) 2.10% 1.96% 1.85% 1.68% 1.79% Return on Assets (ROA)

Imbal Hasil Ekuitas (ROE) 11.78% 10.66% 9.85% 9.60% 9.68% Return on Equity (ROE)

Rasio Marjin Bunga Bersih (NIM) 4.15% 4.47% 4.62% 4.07% 4.15% Net Interest Margin (NIM)

Rasio Beban Operasional terhadapPendapatan Operasional (BOPO)

74.43% 77.07% 79.84% 80.14% 79.46% Operating Expenses toOperating Income Ratio (BOPO)

Rasio Kredit terhadapDana Pihak Ketiga (LDR)

93.51% 93.42% 89.86% 98.05% 93.59% Loan to Deposit Ratio (LDR)

Rasio Kredit terhadap Pendanaan (LTF) 88.91% 88.62% 85.90% 88.86% 86.16% Loan to Funding Ratio (LTF)

Rasio Giro & Tabungan (CASA) 36.53% 38.54% 39.40% 41.42% 34.72% Current Account & Saving Account(CASA)

Liquidity Coverage Ratio (LCR) 150.66% 153.84% 166.91% 163.47% - Liquidity Coverage Ratio (LCR)

Rasio Kepatuhan Compliance Ratios

Persentase Pelanggaran BMPK Percentage Breach ofLegal Lending Limit

Pihak Terkait - - - - - Related Parties

Pihak Tidak Terkait - - - - - Non Related Parties

Persentase Pelampauan BMPK Percentage Excess of LegalLending Limit

Pihak Terkait - - - - - Related Parties

Pihak Tidak Terkait - - - - - Non Related Parties

Giro Wajib Minimum (GWM) Statutory Reservses

GWM Primer (Rupiah) 6.51% 6.51% 6.56% 7.55% 8.13% Primary Statutory Reserve (Rupiah)

GWM Sekunder (Rupiah) - 22.44% 21.75% 12.56% 30.68% Secondary Statutory Reserve (Rupiah)

Rasio IntermediasiMakroprudensial (Rupiah)

94.24% - - - - MacroprudentialIntermediation Ratio (Rupiah)

Penyangga LikuiditasMakroprudensial (Rupiah)

20.57% - - - - Macroprudential Liquidity Buffer(Rupiah)

Mata Uang Asing 8.53% 8.01% 8.26% 8.02% 8.30% Foreign Currencies

Posisi Devisa Netto (PDN) 5.11% 3.50% 1.22% 1.04% 0.95% Net Open Position (NOP)

Lain-Lain Others

Rasio Laba Bersih terhadapTotal Pendapatan Operasional

33.87% 28.81% 26.29% 28.46% 29.68% Net Income toIncome From Operations Ratio

Rasio Liabilitas terhadap Ekuitas 610.58% 605.89% 608.46% 634.13% 590.01% Liabilities to Equity Ratio

Rasio Liabilitas terhadap Jumlah Aset 85.93% 85.83% 85.88% 86.38% 85.51% Liabilities to Assets Ratio

Indikator Utama Lainnya Other Main Indicator

Jumlah Karyawan 6,075 6,477 6,796 6,922 6,654 Number of Employees

Jumlah Jaringan Kantor 308 338 340 339 337 Number of Office Networks

Jumlah ATM 719 758 763 759 759 Number of ATMs

Saham yang ditempatkan dan disetor (31 Desember 2018: 22.945.296.972 lembar saham; 31 Desember 2014-2017: 11.472.648.486 lembar saham)

2,868,162 1,434,081 1,434,081 1,434,081 1,434,081 Issued and fully paid - Rp million (31 December 2018:

22,945,296,972 shares; 31 December 2014-2017:

11,472,648,486 shares)

Dalam jutaan Rupiah, kecuali dinyatakan lain. In million Rupiah, unless otherwise stated.

Catatan:

1. Industri perbankan tidak menggunakan Rasio Lancar

2. Perusahaan tidak memiliki investasi pada perusahaan asosiasi pada tahun 2014-2018

3. Total biaya dana Perusahaan (%) dapat dilihat pada halaman 108 dalam Laporan Tahunan ini

Notes:

1. Banking industry does not use Current Ratio calculation.

2. Bank OCBC NISP did not invest in associated companies in 2014 - 2018.

3. Total Cost of Fund (%) is stated on page 108 in this Annual Report.



Ikhtisar KeuanganFinancial Highlights

Jumlah Aset &

Rasio Imbal Hasil Aset (ROA)

Total Assets & Return On Assets (ROA)Rp Trillion, except %

Rp Triliun, kecuali %

Dana Pihak Ketiga &Rasio Kredit Terhadap Dana Pihak Ketiga (LDR)

Third Party Funds & Loan to Deposit Ratio (LDR)Rp Trillion, except %


Pendapatan Bunga Bersih &Rasio Marjin Bunga Bersih (NIM)

Net Interest Income & Net Interest Margin (NIM)Rp Trillion, except %


Total Ekuitas &

Rasio Kecukupan Modal (CAR)

Total Equity & Capital Adequacy Ratio (CAR) Rp Trillion, except %


Laba Bersih &Rasio Imbal Hasil Ekuitas (ROE)

Net Income & Return On Equity (ROE)Rp Trillion, except %


Kredit yang Diberikan - Bruto &Rasio Kredit Bermasalah (NPL) - Bersih

Loans - Gross & Non Performing Loan (NPL) - Net Rp Trillion, except %


153.8

1.96%

138.2

1.85%

173.6

2.10%

201820172016

Jumlah Aset

Total Assets

Rasio Imbal Hasil Aset (ROA)

Return On Assets (ROA)

6.0

5.4

4.47%4.62%

6.4

4.15%

201820172016

Pendapatan Bunga Bersih

Net Interest Income

Rasio Marjin Bunga Bersih (NIM)

Net Interest Margin (NIM)

113.4

103.6

89.86%

93.42%

125.6

93.51%

201820172016

Dana Pihak Ketiga

Third Party Funds

Rasio Kredit terhadap Dana Pihak Ketiga (LDR)

Loan to Deposit Ratio (LDR)

21.8

19.5

17.51%

18.28%

24.4

17.63%

201820172016

Total Ekuitas

Total Equity

Rasio Kecukupan Modal (CAR)

Capital Adequacy Ratio (CAR)

201820172016

Laba Bersih

Net Income

Rasio Imbal Hasil Ekuitas (ROE)

Return on Equity (ROE)

10.66%9.85%

11.78%

2.2

1.8

2.6

0.72%0.77%

117.8

0.82%

Kredit yang Diberikan - Bruto

Loans - Gross

Rasio Kredit Bermasalah (NPL) - Bersih

Non Performing Loan (NPL) - Net

201820172016

106.3

93.4


Keterangan 2003 2002 2000 Description

Laba Bersih (Rp) 176,745,526,506 92,364,173,665 60,290,000,756 Net Income (Rp)

Jumlah Saham 4,133,979,422 4,052,921,001 1,215,876,301 Total Shares

Dividen Tunai per Saham (Rp) 10 1 15 Cash Dividend per Share (Rp)

Dividen Tunai (Rp) 41,339,794,220 4,052,921,002 18,238,144,515 Cash Dividend (Rp)

Dividen Saham (Rp) - 16,211,684,008 - Stock Dividend (Rp)

Jumlah Dividen (Rp) 41,339,794,220 20,264,605,010 18,238,144,515 Total Dividend (Rp)

Dividen terhadap Laba Bersih (%) 23.39 21.94 30.25 Dividend to Net Income (%)

Riwayat Dividen

Dividend Summary

TahunYear

Triwulan I1st Quarter

Triwulan II2nd Quarter

Triwulan III3rd Quarter

Triwulan IV4th Quarter

Tertinggi (Rp) 2018 1,060 1,175 920 895 Highest (Rp)

2017 1,035 1,120 1,145 1,160

Terendah (Rp) 2018 1,025 1,055 875 855 Lowest (Rp)

2017 803 850 870 900

Penutupan (Rp) 2018 938 850 830 855 Closing (Rp)

2017 935 900 933 938

Volume Perdagangan(ribu lembar)

2018 2,168 13,417 20,547 12,375 Trading Volume(thousand shares)

2017 1,254 2,940 12,744 62,714

Kapitalisasi Pasar(Rp)

2018 21,296,040,030,000 19,308,409,627,200 18,854,094,106,560 19,421,988,507,360 Market Capitalization(Rp)

2017 21,239,250,589,920 20,444,198,428,800 21,182,461,149,840 21,296,040,030,000

Jumlah Saham Beredar 2018 22,945,296,972 22,945,296,972 22,945,296,972 22,945,296,972 Total Outstanding Shares

2017 22,945,296,972 22,945,296,972 22,945,296,972 22,945,296,972

Harga Tertinggi, Terendah & Penutupan, Volume Perdagangan,

Kapitalisasi Pasar dan Jumlah Saham Beredar

Highest, Lowest & Closing Share Price, Trading Volume, Market Capitalization and Outstanding Shares

Catatan:

Data tahun 2017 telah disesuaikan dengan pelaksanaan saham bonus yang dilakukan

oleh Bank OCBC NISP pada tanggal 4 Mei 2018, yang berasal dari kapitalisasi agio

saham dengan rasio 1:1.

Note:

2017 data has been adjusted to follow the Bank OCBC NISP exercise of bonus shares

distribution on May 4, 2018, from agio capitalization with ratio 1:1.

2004 - 2017: Tidak membagikan dividen sesuai persetujuan pemegang saham untuk menginvestasikan kembali semua laba untuk pengembangan usaha.

2004 - 2017: No dividend distributed as shareholders agreed to reinvest all profit for business development.

Grafik Harga Penutupan dan Volume Perdagangan Saham 5 Tahun Terakhir

Graph of Closing Price and Trading Volume for the Last 5 Years

Ikhtisar SahamStock Highlights

-

100

200

300

400

500

600

700

800

900

1,000

1,100

1,200

1,300

1,400

1,500

-

4,000

8,000

12,000

16,000

20,000

24,000

28,000

32,000

36,000

40,000

44,000

48,000

52,000

Volume Perdagangan Saham (Ribuan saham)Trading Volume (thousand shares)

Harga SahamStock Price

Jan-14 Apr-14 Aug-15 Jan-15 Apr-15 Sep-15 Apr-16 Aug-15 Oct-16 Jan-17 May-17 Aug-17 Nov-17 Jan-18 Apr-18 Jun-18 Aug-18 Oct-18 Dec-18



Peristiwa Penting 20182018 Significant Events

20 Februari 20 February

Perayaan Chinese New Year Customer GatheringChinese New Year Customer Gathering Celebration

Dengan tema ’77 Years Journey of Dedication and Love’,

bernuansa Shanghai Broadway di The Ritz Carlton Pacific

Place, Jakarta, menampilkan drama musikal “Tidak Ada yang

Tidak Bisa”, terinspirasi dari buku karya Dahlan Iskan.

With the theme '77 Years Journey of Dedication and Love',

with the Shanghai Broadway nuance at The Ritz Carlton

Pacific Place, Jakarta, featuring the musical drama “No Such

Things as Can Not”, inspired by a book by Dahlan Iskan.

4 April 4 April

Perayaan HUT ke-77 Bank OCBC NISPCelebration of Bank OCBC NISP’s 77th Anniversary

Bertemakan 77 Years of Journey – Let’s Celebrate and Make

Another Story, Bank OCBC NISP memberikan penawaran

dan diskon menarik, serta memberikan sertifikat dan logam

mulia kepada karyawan yang berbakti selama 8, 16 dan 24

tahun.

Themed 77 Years of Journey - Let ‘s Celebrate and Make

Another Story, Bank OCBC NISP is providing attractive offers

and discounts, as well as giving certificates and gold medals

to employees who have served 8, 16 and 24 years.

24 April 24 April

Kegiatan ONe Wealth - Get Wealth SoonONe Wealth Activity - Get Wealth Soon

Melaksanakan Market Outlook 2018 bagi nasabah

Premier Banking dengan Bp. Ignasius Jonan, Menteri

Energi dan Sumber Daya Mineral (ESDM) Republik

Indonesia, serta meluncurkan aplikasi ONe Mobile.

Held Market Outlook 2018 for Premier Banking

customers with Mr. Ignasius Jonan, Minister of Energy

and Mineral Resources (ESDM) of the Republic of

Indonesia, and launched the ONe Mobile application.

6 Mei 6 May

Launching ofPoin SeruPoin Seru Launching

Diselenggarakan di Summarecon Mall Serpong sebagai reward program bagi nasabah, Bank

OCBC NISP memberikan Grand Prize bagi nasabah dengan poin seru tertinggi berupa 1 (satu)

unit Rainbow Springs CondoVillas Summarecon Serpong.

Held at Summarecon Mall Serpong as a reward program for customers, the Bank OCBC NISP

awarded a Grand Prize of 1 (one) unit in Rainbow Springs CondoVillas Summarecon Serpong

to the customer with the highest Poin Seru.

23 Mei 23 May

Kerjasama Fasilitas Pembiayaan dengan KPBNFinancing Facilities in Partnership with KPBN

Bekerja sama dengan Kharisma Pemasaran Bersama (KPBN), memberikan direct loan dengan limit Rp 100 miliar untuk

pembiayaan buyer financing bagi pembeli teh dengan harapan dapat membantu meningkatkan penjualan.

In collaboration with Kharisma Marketing Bersama (KPBN), disbursed direct loans with a buyer financing limit of Rp100 billion

for tea buyers in the hope of helping increase sales.


31 Juli July 31

Kerjasama Pembiayaan BerkelanjutanSustainable Financing Cooperation

International Finance Corporation (IFC) dan Bank OCBC NISP bekerjasama untuk

mendanai proyek-proyek berwawasan lingkungan (green financing) sebesar Rp2

triliun untuk jangka waktu 5 tahun.

The International Finance Corporation (IFC) and Bank OCBC NISP collaborated to

fund green financing projects amounting to Rp2 trillion for a period of 5 years.

17 Oktober 17 October

Peluncuran Premium Guest HouseLaunching of Premium Guest House

Bank OCBC NISP meresmikan Premium Guest House pertama di Jakarta, sebagai

konsep perbankan dengan knowledge sharing yang dirancang khusus untuk

memberikan pengalaman baru kepada nasabah.

Bank OCBC NISP inaugurated the first Premium Guest House in Jakarta, a knowledge

sharing banking concept office, specifically designed to provide a new experience for

customers.


Partisipasi dalam OJK FIN EXPO &SUNDOWN RUN 2018Participation in OJK FIN EXPO & SUNDOWN RUN 2018

Bank OCBC NISP berpartisipasi dalam acara OJK FIN EXPO

& SUNDOWN RUN 2018 untuk memperingati Bulan Inklusi

Keuangan, dalam rangka meningkatkan literasi keuangan

masyarakat dan inklusi keuangan serta perlindungan konsumen.

Bank OCBC NISP participated in the OJK FIN EXPO & SUNDOWN

RUN 2018 commemorating Financial Inclusion Month, in order

to improve public financial literacy and financial inclusion and

consumer protection.


Peluncuran Asset Link ProtectorLaunch of Asset Link Protector

Bank OCBC NISP bersama Great Eastern Life Indonesia

meluncurkan Asset Link Protector, sebuah solusi

perencanaan keuangan lengkap dengan perlindungan

seumur hidup dan investasi jangka panjang.

Bank OCBC NISP with Great Eastern Life Indonesia

launched Asset Link Protector, a complete financial

planning solution with lifetime protection and long-term

investment.

8 November 8 November

Peluncuran Fitur Belanja DaringLaunch of Online Shopping Feature

Bank OCBC NISP dan Mastercard meluncurkan fitur debit virtual

(non-fisik) Kartu Debit OCBC NISP Mastercard, yaitu fitur untuk

transaksi daring di berbagai situs jual beli (e-commerce) melalui

menu Kartu Debit Online pada aplikasi ONe Mobile.

Bank OCBC NISP and Mastercard launched the virtual debit (non-physical) feature for the OCBC NISP Mastercard Debit Card, a

feature for online transactions in different e-commerce sites through the Online Debit Card menu in the ONe Mobile application.

OCBC - AR - 2018 - Final - Full - Low - Compressed · Berbagai upaya transformasi Bank OCBC NISP...

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