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One Day Training Bung DIDIK Tabungan Pendidikan Bank Bumiputera - PowerPoint

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					                                          Bank
                                       Bumiputera




 STRONG GROWTH IN
   PROFITABILITY

      MINI PUBLIC EXPOSE

PT BANK BUMIPUTERA INDONESIA Tbk.
     Jakarta Stock Exchange, Jakarta
            16 January 2004




                                                    1
                                            Bank
                                         Bumiputera




 Brief History
 Management & Shareholders
 Vision, Mission & Strategy
 Product & Services
 2003 Performance
 Achievements
 Good Corporate Governance & Risk Management
 2004 Goals & Objectives

                                               2
                                                                                                                                                         Bank
                                                                                                                                                   Bumiputera


       BRIEF HISTORY

                                                                                                                                                      41,670
          PROFIT BEFORE TAX – IN MILLIONS OF RUPIAH                                                                                                  Unaudited

                                                                                                                                     27,487

                                               14,444             15,536                                           15,992
                                                                                7,194             9,931
              2,624             3,192


               1995              1996            1997              1998          1999              2000              2001                2002           2003

                                                                                                                           • Transformation to be “The
                                                                                                                             PreferredFamily Bank”.
                                         • May 1995, New Management                                                        • Business growth.
   • Bank experienced loss.
                                           Team entered BBP.                 • PT CUCD - injected capital Rp 75 bio        • Product and branch development.
   • Miss-managed and poor risk
                                         • Clear vision stipulated as good     in August 1997.                             • Improve earning assets quality.
     management.
                                           corporate and individual bank.    • AJB Bumiputera injected Rp 25 bio           • Increase capital base through IPO.
   • May 1993 - technical assistance
                                         • Focus on target market.             from subordinated loan.                     • Professional staff development.
     from Bank Niaga.
                                         • Strong risk management.                                                         • GCG implementaion.
                                         • Competent human resources.




   1990        1991       1992       1993      1994        1995       1996    1997       1998         1999         2000         2001        2002      2003


                                                                                                                                     •   Issued Rp 300 bn bonds.
                                                                                                                                     •   IT awards.
• Paket Oktober 1988 -                                                               • Politic, social and economic crisis in        •   Infobank award.
  Government regulation.         • Paket Mei 1993-                                     Indonesia.                                    •   Nominated as best bank in
• July 31, 1989 Bank               Government regulation                             • Consolidation in all aspects.                     2002 by Bisnis Indonesia.
  Bumiputera was                   (tight money policy).                             • Loan outstanding reduced.
  established and started its                                                        • Strengthened liquidity.
  operation on Jan 12, 1990                                                          • Asset quality improved.                                               3
                                                                                                 Bank
                                                                                              Bumiputera


FACTS AND FIGURES

 Asset                                                                                        3,264
                                                                                2,330
                                                                  2,000
                  1,355                             1,215
   774                                 586


   1997           1998                 1999          2000          2001          2002         2003

 Loan & Third               Loan
  Party Funds               Third Party Fund                                                2,529 2,624
                                                                              1,702 1,820
                                                                1,280 1,496
609                        735                     763    935
         584    410                          391
                                   182

  1997            1998                1999           2000          2001          2002          2003
                                                                                 38            47
Branches
                                                     21            25
      10              12               12



   1997           1998                1999           2000          2001          2002         2003 4
                                            Bank
                                         Bumiputera




 Brief History
 Management & Shareholders
 Vision, Mission & Strategy
 Product & Services
 2003 Performance
 Achievements
 Good Corporate Governance & Risk Management
 2004 Goals & Objectives

                                               5
                                                      Bank
                                                   Bumiputera


BOARD OF COMMISSIONERS



          Zas Ureawan             Wijatno Soepenadie
          Presiden Commissioner   Independent Commissioner




          Madjdi Ali              Ishak Hasibuan
          Commissioner            Independent Commissioner
                                  Chairman Audit Commitee




          Evie Firmansyah
          Commisioners




                                                         6
                                                          Bank
                                                       Bumiputera


BOARD OF DIRECTORS




                      Winny E. Hassan
                      President Director




      Toto Moeljono     Gatot Sarosa       Sutiyono
         Director          Director         Director


                                                             7
                                                                                 Bank
                                                                              Bumiputera


SHAREHOLDERS COMPOSITION : As of December 31, 2003


            Shareholders              Number of Shares   Nominal Amount     Percentage
                                                              (Rp)              (%)
 Authorized capital                      5.000.000.000    500.000.000.000

 Issued and paid up share capital :
 AJB Bumiputera 1912                       750.000.000     75.000.000.000         37,50
 PT Cipta Usaha Citra Dana                 750.000.000     75.000.000.000         37,50
 PT Reksasentosa Dinamika                  160.000.000     16.000.000.000           8,00
 PT Reksatama Dinamika                     160.000.000     16.000.000.000           8,00
 Public                                    180.000.000     18.000.000.000           9,00
 Total issued and paid up share          2.000.000.000    200.000.000.000        100,00
 capital
 Unissued shares                         3.000.000.000    300.000.000.000




                                                                                    8
                                            Bank
                                         Bumiputera




 Brief History
 Management & Shareholders
 Vision, Mission & Strategy
 Product & Services
 2003 Performance
 Achievements
 Good Corporate Governance & Risk Management
 2004 Goals & Objectives

                                               9
                                                                                                      Bank
                                                                                                 Bumiputera


THE BANK’S VISION, MISSION AND STRATEGY

           VISION                              MISSION                                  STRATEGY
                                                                           • Focus on providing financial services
                                                                             to individual and small-medium
                                                                             companies.

                                                                           • Provide banking products & services
                                                                             enhanced with protection/insurance
                                                                             and investment.

                                                                           • Easily accessed through all kind of
                                 Bank Bumiputera provides range of
                                                                             distribution channels using secure,
Bank Bumiputera to be            banking product & services,                 effective and efficient information
“The Preferred Family Bank”      protection and investment to                technology
                                 individual and family according to it’s
                                 life-stages.                              • Managed by competent, highly
                                                                             dedicated and professional human
                                                                             resources

                                                                           • Managing resources for quality and
                                                                             profitability, in order to increase
                                                                             shareholder’s value




                       Target market :

                       - Middle-up income individual and families fundings
                       - Individual and Small Medium Enterprises for lendings
                                                                                                       10
                                            Bank
                                         Bumiputera




 Brief History
 Management & Shareholders
 Vision, Mission & Strategy
 Product & Services
 2003 Performance
 Achievements
 Good Corporate Governance & Risk Management
 2004 Goals & Objectives

                                              11
                                                                                            Bank
                                                                                         Bumiputera


PRODUCT & SERVICES


     Pembayaran Air                                             Kartu debit KARTUKU
     Pembayaran Listrik                                              Kartu Kredit Visa
                                                                      ATM - OTOKAS
     Pembayaran Telpon            Bung HARI                    Call Center – OTOFON
     Pembayaran Pajak                                     Internet Banking – OTONET
                                                              Puspa – Private Banking
             Bung DHARMA
                                                         Bung DIDIK

         Kak OTO                                              Bung DEPO

                            Paket
        Bung KRIS         SAHABAT                               Bung GIRO
                            KELUARGAKU
                          Satu Tabungan, Multi Jaminan


                Bung AMAN                                     Kak VILLA


                                  Bung MAKSI                                                  12
                                            Bank
                                         Bumiputera




 Brief History
 Management & Shareholders
 Vision, Mission & Strategy
 Product & Services
 2003 Performance
 Achievements
 Good Corporate Governance & Risk Management
 2004 Goals & Objectives

                                              13
                                                                             Bank
                                                                          Bumiputera


2003 FINANCIAL HIGHLIGHTS : Balance Sheet

                                                            (in billions of Rupiah)


                                  2001        2002         2003       % changes
                                audited     audited     unaudited      2003-2002
Cash and due from other banks        92.1       135.6        288.1         112.5%
Loan - net                         1262.4      1682.0       2528.9           50.4%
Fixed assets                         17.4        27.1          36.2          33.5%
Total assets                       2000.7      2330.0       3264.1           40.1%
Third party funds                  1496.0      1820.7       2624.2           44.1%
Bonds                                 0.0         0.0        300.0               na
Shareholder's equity                167.0       232.0        257.6           11.0%




                                                                               14
                                                                  Bank
                                                               Bumiputera


2003 FINANCIAL HIGHLIGHTS : Statement of Income

                                                 (in billions of Rupiah)

                                                            %
                            2001      2002       2003       changes
                           audited   audited   unaudited    2003-2002
Total revenues               265.2     363.9      450.9           23.9%
  Interest earned            246.3     321.0      391.9           22.1%
  Fees and commissions         7.8      17.4       22.2           27.6%
  Other operating income      11.2      25.6       36.8           43.8%
Interest expenses            195.6     244.9      254.9             4.1%
Operating expenses           249.7     336.6      408.5           21.4%
Profit before tax             16.0      27.5       41.7           51.6%
Net profit                    10.9      18.8       29.2           54.8%
Earning per share             10.0      11.0       14.6           32.6%




                                                                    15
                                                                Bank
                                                             Bumiputera


2003 FINANCIAL HIGHLIGHTS : Key Financial Ratios


                                   2001        2002        2003-HS
                                  audited     audited     unaudited
Capital Adequacy Ratio (CAR)        12.75%      12.94%         9.80%
Net Open Position (NOP)              3.86%       1.88%       10.90%
Return on Average Assets (ROAA)      1.00%       1.32%         1.40%
Return on Average Equity (ROAE)      9.74%       9.91%       12.78%
Net Interest Margin (NIM)            3.18%       4.89%         5.96%
Opr Expense to Opr Income           93.82%      92.50%       90.61%
Loan to Deposit Ratio (LDR)         77.73%      93.50%       96.21%
Non Performing Loan (NPL)            2.81%       3.67%         2.90%
Cost Efficiency Ratio (CER)         69.94%      68.37%       66.97%
Book Value per Share                  111.3       116.0         128.8



                                                                  16
                                                                                  Bank
                                                                               Bumiputera


  LOAN

                           in billions of Rupiah

                                  96,21%            Loan grow 49% from Rp 1,7 bn in
  Loan to deposit ratio                             2002 to Rp 2,5 bn 2003 (CAGR for
                                                     2001-2003 = 25.4%)
                 93,50%
    77,73%                                          Consumer loan grow 68%
                                                     compared to 2002 position (CAGR
                                                     for 2001-2003 = 21.6%)

                                                    Loan to Deposit Ratio increase
                                                     substantially showing better
                                                     intermediation function


Total 1,280.7         1,702.3           2,528.9

  Corporate/Commercial

  Consumer         Small Medium Enterprises


 CAGR : Compounded Annual Growth Rate



                                                                                      17
COLLECTIBILITY OF LOAN
                                                                           (in billions of Rupiah)

                                      2001        %        2002        %        2003       %
                                     audited              audited            unaudited
Current                               1,234.7     96.4%    1,612.7     94.7% 2,426.9       96.0%
Special mentioned                        10.0      0.8%       27.1      1.6%     28.0       1.1%
Sub-standard                               1.0     0.1%       45.2      2.7%      6.4       0.3%
Doubtful                                 11.2      0.9%         6.8     0.4%     53.3       2.1%
Loss                                     23.8      1.9%       10.4      0.6%     14.3       0.6%
TOTAL LOAN (gross)                    1,280.7    100.0%    1,702.3    100.0% 2,528.9      100.0%
Allowance for possible losses           (20.5)               (24.4)             (34.9)
Allowance for possible loan losses      (18.3)               (20.3)             (31.6)
Allowance for possible loan losses
                                      1.4%                 1.2%                  1.2%
 to TOTAL LOAN (gross)
Total loan - net                      1,262.4              1,682.0              2,497.3




                                                                                            18
COLLECTIBILITY OF LOAN
                                                            (in billions of Rupiah)

                                              2003 - Unaudited

                                Corporate/
                                Commercial   Consumer      SME            TOTAL
Current (col.1)                    843.0       927.2        656.7         2,426.9

Special mentioned (col.2)           14.4         2.9         10.8            28.0
Sub-standard (col.3)                 2.1         0.3             3.9          6.4
Doubtful (col.4)                    48.3         3.8             1.2         53.3
Loss (col.5)                         6.8         2.0             5.5         14.3
TOTAL                              914.5       936.2        678.2         2,528.9

SME = Small Medium Enterprise




                                                                              19
                                                                            Bank
                                                                         Bumiputera


LOAN DISTRIBUTION


  Classified by Economic Sector
  31 Desember 2003


                                   Consumer
                                     46,5%

Property, Hotel,
  Restaurant &
     others
     8,0%                                                     Industry
                                                               20,2%




                   Services                           Trade
                    13,6%                             8,8%
                              Mining   Agrobusiness
                               0,6%        2,3%


                    Total Loan : Rp 2.528,9 billion

                                                                              20
                                                                              Bank
                                                                           Bumiputera


  THIRD PARTY FUND

 in billions of Rupiah

                                                  Third party funds raised increase
                                                   Rp 803 bn or 44% compared to
                                                   2002.

                                                  Growth of Third party funds raised
                                                   from 2001 to 2003 is 20% (CAGR)

                                                  The highest growth during 2001-
                                                   2003 achieved by Current
                                                   Account with 78% CAGR, while
                                                   Saving Account growth is 23%
                                                   CAGR and Time Deposit growth is
                                                   15% CAGR

Total     1,496.0         1,820.7      2,624.2    Due to higher Current Account
                                                   and Saving Account growth, Time
CAGR : Compounded Annual Growth Rate
                                                   Deposit portion decrease from 87%
                                                   in 2001 to 76% in 2003




                                                                                21
                                                                    Bank
                                                                 Bumiputera


2003 FINANCIAL PERFORMANCE

Interest Income (Rp billion)    Net Interest Income (Rp billion)




Operating Income (Rp billion)   Profit Before Tax (Rp billion)




                                                                       22
                                Bank
                             Bumiputera


2003 FINANCIAL PERFORMANCE

Net Profit (Rp billion)




                                   23
                                                                                 Bank
                                                                              Bumiputera


2003 FINANCIAL PERFORMANCE
Performance improving continuously due to better asset quality and management operation

Return on Average Equity                       Return on Average Asset




Operating Expense to Operating Income          Cost Efficiency Ratio




                                                                                    24
                                                                                     Bank
                                                                                  Bumiputera


2003 FINANCIAL PERFORMANCE
Conducting intermediary function properly without ignoring capital and financial soundness

CAR (Rp billion)                                    LDR (Rp billion)




                                                                                        25
                                            Bank
                                         Bumiputera




 Brief History
 Management & Shareholders
 Vision, Mission & Strategy
 Product & Services
 2003 Performance
 Achievements
 Good Corporate Governance & Risk Management
 2004 Goals & Objectives

                                              26
2003 ACHIEVEMENT

Awards from Indonesia Infocom Business Community (i2bc):

 Best performer of Delivery and Support

 Runner Up of Planning and Organisation

Awards from Infobank Magazine as best five out of 20
public banks based on financial performance in 2002.

Nominated by “Bisnis Indonesia” newsletter as “The Best
Bank” in 2002 Financial Ratios.

Nominated as 15 Good Governance Companies by
IICG in 2003.




                                                           27
                                            Bank
                                         Bumiputera




 Brief History
 Management & Shareholders
 Vision, Mission & Strategy
 Product & Services
 2003 Performance
 Achievements
 Good Corporate Governance & Risk Management
 2004 Goals & Objectives

                                              28
                                                                                              Bank
                                                                                       Bumiputera


2003 GOOD CORPORATE GOVERNANCE
Bank Bumiputera put high commitment to conduct Good Corporate Governance
based on the best practice.
OVERSIGHT COMMITTEE                             EXECUTIVE COMMITTEE
• Audit Committee                               Credit
• Nomination Committee                          • ALCO Committee
• Remuneration Committee                        • Risk Management
                                                    Committee on Credit Risk
MANAGEMENT                                          Committee on Market Risk
• Compliance Directors                              Committee on Operation Risk
• Internal Audit Group                          • Credit Policy Committee
• Corporate Secretary                           Operation, IT and Services
PUBLICATIONS                                    • Information & System Technology -Steering
• Updated website                                  Committee
• Investor newsletter                           • Information & System Technology –
• Press Conference                                 Implementation Committee
                                                Human capital
                                                • Personnel Committee
                                                • Remuneration Committee
                                                Others
                                                • Investment Committee
                                                • Corporate Communication Committee
                                                • Procurement Committee



    Bank Bumiputera is now in process of being nominated as one of the best ten companies
    in practicing Good Corporate Governance
                                                                                               29
                                                                          Bank
                                                                       Bumiputera


RISK MANAGEMENT

Risk Management Objective:

CAR optimalization, Asset Quality and Profitability


Action Plan:

•Conducting simulation to assess possible condition will be happened
•Improve manuals, system and procedures
•Training




                                                                             30
                                            Bank
                                         Bumiputera




 Brief History
 Management & Shareholders
 Vision, Mission & Strategy
 Product & Services
 2003 Performance
 Achievements
 Good Corporate Governance & Risk Management
 2004 Goals & Objectives


                                              31
                                                                            Bank
                                                                         Bumiputera


2004 GOALS & OBJECTIVES


Positioning bank BP in the API regulation as a national bank trough Achieving
better quality return compared to 2003 by :

a. Applying, implementing good corporate governance and comply to all
   relevant regulations
b. Strengthening bank officers, professionalism and solid management team
c. Improving cost efficiency
d. Developing Quality earning assets
e. Developing Solid Third Party Funds composition
f. Developing Solid fee based income




                                                                                32
               Bank
            Bumiputera




Thank You




                         33

				
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