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  • Rapat Komite Informasi LPS

    Jakarta,

    Perkembangan Bank Internasional Indonesia (BII)

    PT Bank Internasional Indonesia Tbk

    1Q 2015 Results

  • Page 2

    Service Quality Award “Legend Achievement” for Six Consecutive Years Top Performers in Service

    Survey held by ISMS Trisakti & Infobank Magazine

    One of proof in our high quality services to maintain customer satisfaction

  • Page 3

    Table of Contents

    BII in Brief

    Financial Performance

    Awards, Corporate Social Responsibility (CSR) & Event Highlights

    Strategy and Target

    Summary of 1Q 2015

  • Page 4

    Summary of 1Q 2015 (All numbers are consolidated and according to Bank Indonesia classification unless otherwise stated)

  • Page 5

    Summary of 1Q 2015  PATAMI grew 33.5% (YoY) whereas loans grew 6.2% (YoY)

     Stronger capital with CAR reached 15.9%

    • Net Interest Income increased by 9.6% (YoY) due to improvement in NIM.

    • Fee Based Income also grew by 26.0% (YoY)

    • PATAMI increased by 33.5% on the back of the Bank‟s discipline in pricing for both deposits and lending

    coupled with an intensified Strategic Cost Management Program implemented throughout the Bank

    • Loans portfolio grew by 6.2% (YoY) with loan mix : Global Banking 22%, Business Banking 39% and Retail

    Banking 39%

    • Business Banking and Retail Banking continued to be growth driver that increased 15.3% and 14.7% (YoY)

    respectively, exceeded industry growth at 11.4% (YoY). While, Global Banking loan decreased 16.1% as the

    impact of re-profiling to have greater focus on the Large Local Corporates and State-owned Enterprises

    • Micro banking loan reached over Rp1 trillion, increased 271.6% (YoY) from Rp286 billion

    • Assets increased 6.7% (YoY) reached Rp 149.5 trillion

    • We had started Shariah First strategy since 2014 and the results help deliver significant shariah assets

    growth with increase 110.2% (YoY), to Rp8.5 trillion from Rp4.0 trillion

    • CAR as per 31 March 2015 was 15.9%

    • The Bank‟s ownership of WOM increased to 68.55% from 62.00% following WOM rights issue (PUT I) in

    March 2015

    Loans

    Assets

    Profit

    Capital

    Deposits

    • Deposits from Customer increased to Rp105.0 trillion along with growth in CASA Ratio into 39% as

    aligned with Bank Strategy to grasp CASA and reduce high cost funding concurrently.

    • Loan to Deposit Ratio (bank only) at 91.9%

    • Loan to Funding Ratio at 82.6%

  • Page 6

    BII in Brief

  • Page 7**) Due to the new methodology of PEFINDO rating, for SubDebt issuance in 2014 rating has changed into idAA

    Established : 15 May 1959

    Total Assets : Rp149.5 Trillion

    Total Equity : Rp14.8 Trillion

    Market Capitalisation : Rp13.2 Trillion

    Position in Indonesia (as of March 2015)

    : Rank #9 in terms of Assets

    Rank #10 in terms of Deposits

    Rank #10 in terms of Loans

    # of Branches : 681

    452* (BII)

    189 (WOM)

    40 (BII Finance)

    # of ATM & CDM : 1,544, including 93 CDMs that connected

    to more than 20,000 ATM via ALTO, ATM

    Bersama, PRIMA, MEPS, Cirrus and Plus

    # of Employees : 11,536

    7,385 (BII)

    3,779 (WOM)

    372 (BII Finance)

    # of Customers : 5.3 million

    Profile and Corporate Shareholding

    Profile Shareholding

    68.55%

    18.31%

    LONDON BRANCH

    78.98%

    99.99%

    PUBLIC < 5%

    2.71%

    *) Including 24 Micro Functional Offices

    Company Rating

    Company Rating

    Bonds

    Subordinated Bonds

    Sukuk Mudharabah

    AAA (idn)

    AAA (idn)

    AA (idn)

    AAA(idn)

    idAAA

    idAAA

    idAA+**

    idAAA(sy)

  • Page 8

    Board of Commissioners

    Budhi Dyah Sitawati

    Independent

    Commissioner

    Umar Juoro

    Independent

    Commissioner

    Achjar Iljas

    Independent

    Commissioner

    Spencer Lee Tien Chye

    Commissioner

    Tan Sri Megat Zaharuddin

    President Commissioner

    and Chairman of Maybank

    Datuk Abdul Farid bin Alias

    Commissioner and PCEO of

    Maybank

  • Page 9

    Jenny Wiriyanto

    Director

    Ghazali M. Rasad

    Director

    Thilagavathy Nadason

    Director

    Lani Darmawan

    Director

    Dhien Tjahajani

    Director

    Henky Sulistyo

    Director

    Taswin Zakaria

    President Director

    Eri Budiono

    Director

    Board of Directors

  • Page 10

    Present to Serve the Communities across Indonesia

    9 Shariah Branches 2 Overseas Branches 416 Conventional

    Branches

    1 Micro Branch &

    65 Micro Banking

    Services

    26 Platinum Access

    Center and Room

    1,544 ATM & CDM

    Access >20.000 ATM

    Bersama*) & MEPS

    Malaysia network

    15 Mobil Kas Keliling

    (MKK) >5 Million Customer

    *ATM that connected to network of ATM PRIMA, ATM BERSAMA, ALTO, CIRRUS and Plus

  • Page 11

    Providing banking and payment

    solution to large local corporates and

    State-Owned Enterprises (SOEs)

    Providing banking and payment

    solution to mid corporates, communities and micro business

    Providing banking and payment

    solution to the retail customers

    Global Banking Business Banking Retail Banking

    Large Local Corporates

    State-Owned Enterprises Financial Institution

    Commercial segment

    SME business

    Micro business

    High Net-Worth

    Mass Affluent Customer

    Employees

    Objective

    Product &

    Services

    Customer

    Profile

    Account

    Planning

    Global Market

    Financial Supply Chain Management

    Transaction Banking Customer Financial Services

    E-banking

    Wealth

    Management

    Shariah First

    Large

    Corporates

    Financing

    Community and

    micro- middle

    corporates

    Financing Auto-loan

    MortgageCredit Card

    Personal Loan

    Highlight

    Integrated One Stop Financial Provider

  • Page 12

    Financial Performance

  • Page 13

    Data source: Published Report

    Income Statement – Consolidated PATAMI increased by 33.5% on the back of the Bank‟s discipline in pricing for both deposits and lending coupled with an

    intensified Strategic Cost Management Program implemented throughout the Bank

    Rp Billion Mar-14 Mar-15 YoY

    a b (b/a)-1

    Net Interest Income 1,447 1,586 9.6%

    Non Interest Income 493 621 26.0%

    Gross Operating Income 1,940 2,207 13.8%

    Operating Expenses (excl. Provision) (1,352) (1,453) 7.4%

    Operating Income before Provision 588 755 28.4%

    Provisions (335) (426) 27.2%

    Operating Income After Provision 253 328 29.9%

    Non Operating Income 30 24 (17.9%)

    Profit Before Tax & Non-Controlling Interest 282 353 24.9%

    Non-Controlling Interest (3) (0) (97.5%)

    Tax (87) (97) 10.9%

    PATAMI 191 256 33.5%

  • Page 14

    Data source: Published Report

    Balance Sheet – Consolidated Sustainable assets growth with the capital efficient strategy

    Rp Billion Mar-14 Mar-15 YoY

    a b (b/a)-1

    Loans 101,317 107,649 6.2%

    Government Recap. Bonds 3,634 3,621 (0.4%)

    Other Earning Assets 17,543 19,570 11.6%

    Total Assets 140,129 149,484 6.7%

    Deposits from Customer 104,025 105,028 1.0%

    - Current Account 15,425 17,320 12.3%

    - Saving Account 24,034 23,698 (1.4%)

    - Time Deposit 64,565 64,010 (0.9%)

    Deposits from Other Banks 4,230 6,851 62.0%

    Borrowing 3,547 3,433 (3.2%)

    Securities Issued 6,479 7,092 9.5%

    Subordinated Debt 2,990 4,485 50.0%

    Other Liabilities 6,376 7,560 18.6%

    Total Liabilities 127,647 134,448 5.3%

    Non-Controlling Interest 197 229 15.9%

    Equity before Non-Controlling Interest 12,284 14,577 18.7%

    Total Equity 12,481 14,807 18.6%

  • Page 15

    Financial Ratios

    Data source: Published Report

    Key Operating Ratio Mar-14 Mar-15 Key Operating Ratio Mar-14 Mar-15

    Consolidated A B (B-A) Bank Only A B (B-A)

    Profitability Profitability

    Return On Assets 0.81% 0.94% 0.14% Return On Assets 0.60% 0.72% 0.12%

    Return On Equities (Tier 1) 6.76% 7.55% 0.79% Return On Equities (Tier 1) 5.03% 5.84% 0.80%

    Net Interest Margin 4.73% 4.85% 0.12% Net Interest Margin 4.03% 4.46% 0.43%

    Efficiency & Productivity Ratio Efficiency & Productivity Ratio

    Cost to Income Ratio 69.70% 65.82% -3.88% Cost to Income Ratio 69.91% 68.08% -1.83%

    BOPO 93.31% 92.00% -1.31% BOPO 94.72% 93.60% -1.12%

    Earning Asset Quality Earning Asset Quality

    Impai