2014 presentation bank ocbc nisp (english) · 11 pt bank ocbc nisp tbk financial performance –...

11

PT Bank OCBC NISP Tbk Financial Performance – Full Year 2014(Audited)

This report is solely for the use of PT. Bank OCBC NISP Tbk. No part of it may be circulated,quoted, or reproduced for distribution outside the organization without prior written approval fromPT. Bank OCBC NISP Tbk. This material was used by PT. Bank OCBC NISP Tbk.during an oralpresentation; it is not a complete record of the discussion.

22

• Full Year Performance

• Financial Results

• Corporate Updates

• Appendix

Agenda

33

Executive Summary

• NPAT reached Rp 1.3 trillion or increased by 17% YoY in 2014.

• Total Assets up 6% at Rp 103 trillion.

• Loans expanded 7% YoY to Rp 68 trillion.

• Deposits grew 6% YoY to Rp 73 trillion.

• Loan-to-deposit increased to 93.6%, while Loan-to-funding ratio was 86.2%.

• Gross NPL stood at 1.3% and Net NPL was 0.8%.

• Capital Adequacy Ratio recorded at 18.7%.

• Network Coverage with 337 offices and 759 ATM OCBC NISP.

44

Network

Branch 337 Offices

Electronic channelATM, EDC & e-Banking

Call centre

• Jabotabek, Banten (150)

• West Java (61)

• Central Java (24)

• East Java (34)

• Bali, Lombok, Sumatera, Kalimantan, Sulawesi, Others (68)

• 759 ATM OCBC NISP and access to more than 136,000 ATM Network in Indonesia and over 12,000 ATM Network in Singapore and Malaysia

• 712 EDC OCBC NISP and access over 308,000 EDC Network

• e-Channel OCBC NISP including internet and mobile banking

• Call OCBC NISP 500-999

• Hotline Treasury 08001 111 898

• Corporate Website -www.ocbcnisp.com

55

Income Statement Highlights

Rp. billion 2013 2014 ��YoY 1Q14 2Q14 3Q14 4Q14 ��QoQ

Net Interest Income 3,139 3,745 19% 907 898 967 973 1%

Non Interest Income 879 743 (15%) 228 194 95 226 140%

Operating Income 4,018 4,488 12% 1,135 1,092 1,062 1,199 13%

Operating Expenses (2,215) (2,490) 12% (613) (643) (624) (610) (2%)

Pre Provision Operating Profit 1,803 1,998 11% 522 449 438 589 35%

Provision Expense (259) (221) (15%) (66) (62) (24) (69) 198%

Non Operating Income /(Expense)

(14) - (100%) (1) 1 - - -

Profit Before Tax 1,530 1,777 16% 455 388 414 520 26%

Net Profit After Tax 1,143 1,332 17% 341 291 310 390 26%

66

Financial Position Highlights

Rp. billion 2013 2014 ��YoY 1Q14 2Q14 3Q14 4Q14 ��QoQ

Placement in other Bank (net) 1) 5,076 3,908 (23%) 5,545 6,313 12,756 3,908 (69%)

Marketable Securities 2) 16,256 18,029 11% 14,357 15,261 16,097 18,029 12%

Loans (gross) 3) 63,967 68,363 7% 63,571 65,506 66,611 68,363 3%

Impairment Allowance (1,260) (1,430) 13% (1,289) (1,328) (1,358) (1,430) 5%

Total Assets 97,525 103,123 6% 94,852 100,593 109,066 103,123 (5%)

Current Account 15,991 14,025 (12%) 11,939 15,477 12,999 14,025 8%

Savings 10,839 11,250 4% 10,747 11,157 11,217 11,250 -

Time Deposit 42,107 47,530 13% 40,142 44,718 55,245 47,530 (14%)

Total Customer Deposits 3) 68,937 72,805 6% 62,828 71,352 79,461 72,805 (8%)

Borrowings 2,434 2,477 2% 2,272 2,371 2,437 2,477 2%

Marketable Securities Issued 3,886 2,920 (25%) 2,915 2,916 2,918 2,920 -

Subordinated Bonds 876 877 - 876 877 877 877 -

Total Liabilities 84,028 88,216 5% 80,972 86,418 94,593 88,216 (7%)

Equity 13,497 14,907 11% 13,880 14,175 14,473 14,907 3%

Note: 1) Including Placement in Bank Indonesia 2) Exclude Securities purchase under resale agreement 3) Including Sharia products

77

Key Ratios% 2013 2014 ��YoY 1Q14 2Q14 3Q14 4Q14 ��QoQ

Net Interest Margin 4.1 4.1 - 4.1 4.1 4.2 4.2 -

Non Int. Income / Operating Income 21.9 16.6 (5.3) 20.1 17.8 8.9 18.9 10.0

Cost / Income 55.1 55.5 0.4 54.0 58.8 58.9 50.9 (8.0)

ROA 1.8 1.8 - 1.9 1.6 1.6 2.1 0.5

ROE 11.9 9.7 (2.2) 10.1 8.5 9.0 11.1 2.1

Loan / Deposit 1) 92.5 93.6 1.1 100.8 91.5 83.6 93.6 10.0

Loan / Funding 2) 83.8 86.2 2.4 92.0 84.2 77.5 86.2 8.7

CASA / Deposit 38.9 34.7 (4.2) 36.1 37.3 30.5 34.7 4.2

Secondary Statutory Reserve 26.9 30.7 3.8 29.2 26.6 28.4 30.7 2.3

NPL – Gross 0.7 1.3 0.6 0.8 1.1 1.1 1.3 0.2

NPL – Net 0.4 0.8 0.4 0.4 0.7 0.7 0.8 0.1

Loan Loss Provision (LLP) / NPL 269.2 156.3 (112.9) 268.9 181.2 180.3 156.3 (24.0)

NOP 0.4 1.0 0.6 2.2 1.2 1.8 1.0 (0.8)

CAR 19.3 18.7 (0.6) 19.9 19.7 19.1 18.7 (0.4)

Note:

1) Loan-to-Deposit calculation according to guideline from Bank Indonesia

2) Funding includes Customer Deposits, Borrowings, Bonds and Medium Term Notes (MTN)

88

NIM stood at 4.1% in 2014 along with diversified Non-Interest Income channelsNet Interest IncomeRp. billion

Trade Finance2014: 19%2013: 14%

Deposit Administration

2014: 9%2013: 8%

Bancassurance2014: 10%2013: 10%

Foreign Exchange Gain

(loss)2014: (12%)2013: 24%

Others *)

2014: 28%2013: 19%

Gain from Sale of Marketable securities2014: 20%2013: 8%

Non-Interest Income 2014: Rp 743 billion

2013: Rp 879 billion

Non-Interest Income by TypeFull Year

Credit related2014: 26%2013: 17%

*) Including Wealth Mgt, Remittance, e-channel and Other fee

3,139

3,745

834 907 898 967 973

2013 2014 4Q13 1Q14 2Q14 3Q14 4Q14

4.1% 4.1% 4.0% 4.1% 4.1% 4.2% 4.2%

Net Interest Margin

��

Net Interest Margin

��

1,0921,1351,075 1,062

1,199

610624643613577

4Q13 1Q14 2Q14 3Q14 4Q14

60% 58% 61% 59% 56%

44%41%40%39%42%

4,018

4,488

2,490

2,215

2013 2014

61% 59%

41%

39%

9

50.9%

58.9%58.8%

54.0%53.7%

55.1% 55.5%

Cost to Income Ratio▼▼▼▼

Operating Expense and Operating IncomeRp. billion

Operating Income Employee Expense General Administration Expenses

Cost to Income Ratio▼▼▼▼

Cost-to-Income Ratio stood at 55.5% in 2014

1010

Total loans increased by 7% YoY to Rp 68 trillion on the back of diversified loans growth

42%42%41%42%41%

39% 39% 41% 40% 41%

20% 19%18% 18%

17%

4Q13 1Q14 2Q14 3Q14 4Q14

Working Capital Investment Consumer

Loans CompositionRp. billion

Note: Consumer loans includes Employee loan

Agricultural & mining2014: 7%2013: 6%

Services2014: 21%2013: 22%

Manufacturing2014: 26%2013: 25%

Trading 2014: 27%2013: 25%

Others *)

2014: 17%2013: 20%

Construction2014: 2%

2013: 2%

Loans by SectorFull Year

Outstanding loans2014: Rp 68,363 billion

2013: Rp 63,967 billion

*) “Others” category Including Consumer loans

63,967 63,571 65,506 68,36366,611

1111

Loans by Geography Full Year

Central Java2014: 2%

2013: 2%

East Java2014: 9%

2013: 10%

Sulawesi & Others2014: 3%2013: 3%

Jakarta2014: 57%2013: 55%

Kalimantan2014: 3%2013: 3%

West Java2014: 14%2013: 15%

Sumatera2014: 12%2013: 12%

Rupiah2014: 73%2013: 71%

Foreign currencies2014: 27%

2013: 29%

Loans by CurrencyFull Year

The bank loans were spread over regions which most of economic activities are undertaken


2013: Rp 63,967 billion


2013: Rp 63,967 billion

1212

0.4% 0.4%0.7% 0.7% 0.8%

97.8%97.6%98.0%97.8%

98.5%

0.9%1.3%0.9%

1.4%0.8%

1.3%1.1%1.1%

0.8%0.7%

4Q13 1Q14 2Q14 3Q14 4Q14

Current Special mention NPL Gross

Loan Collectibility% of Outstanding loans

63,571

217.5 219.2

139.8 139.8115.9

51.7 49.7

41.4 40.5

40.4

4Q13 1Q14 2Q14 3Q14 4Q14

General Specif ic

Loan Loss Provision (LLP) / NPL %

Gross NPL was recorded at 1.3%, while Net NPL stoodat 0.8%

Net NPL��

63,967

269.2 268.9

65,506

180.3

66,611

181.2

68,363

156.3

1313

Total CASA represent 35% of total Third party funds

23%19% 22% 16% 19%

16%17%

15%14% 16%

61%

64%

63%70%

65%

4Q13 1Q14 2Q14 3Q14 4Q14

Current Account Savings Time Deposits

Deposit CompositionRp. billion

62,828

Deposit and Funding by CurrencyFull Year

Rupiah2014: 68 %2013: 70%

Foreign currencies2014: 32 %2013: 30%

Total Deposit2014: Rp 72,805 billion

2013: Rp 68,937 billion

68,93772,805

Rupiah2014: 67%2013: 70%

Foreign currencies2014: 33%2013: 30%

Total Funding2014: Rp 79,079 billion

2013: Rp 76,133 billion

Note: Funding includes Customer Deposits, Borrowings, Bonds and MTN

71,352

79,461

14

83.7%

92.0%

84.2%

77.5%

86.2%

92.5%

100.8%

91.5%

83.6%

93.6%

14

Loan-to-Deposit Ratio stood at 93.6%, while Loan to Funding ratio was recorded at 86.2% at end of 2014

Loan-to-Deposit Ratio▼▼▼▼Loans, Third Party Fund and FundingRp. billion

63,967 63,571 65,506 66,611 68,36368,93762,828

71,352

79,461

72,80576,133

68,891

77,51685,693

79,079

4Q13 1Q14 2Q14 3Q14 4Q14

Loans Deposit Funding

Note:

1) Funding includes Customer Deposits, Borrowings, Bonds and MTN.

2) Secondary Statutory Reserve was managed at 30.7% level ( vs 4% level of minimum requirement)

Loan-to-Funding Ratio▼▼▼▼

1515

Rating

PEFINDO

Nov 2014

Corporate Rating idAAA / Stable

Continuous Bonds I idAAA / Stable

Fitch Ratings

April 2014

National Long-term AAA (idn) / Stable

National Short-term F1+ (idn)

Long-term Foreign Currency

Long-term Local Currency

BBB / Stable

A- / Stable

Short-term Foreign Currency F 3

IDR Subordinated Debt AA (idn)

Continuous Bonds I

Viability Rating

Support Rating

AAA (idn)

bb

2

Share Price and Credit RatingsDaily share price and trading volumeNISP IJ

Source: Bloomberg

Share price (Rupiah)Daily trading volume (Thousand)

Ownership StructureAs of 31 December 2014

Number of shares

Ownership

OCBC Overseas

Investment Pte. Ltd*)

9,760,695,612 85.1%

Public 1,711,952,874 14.9%

Total 11,472,648,486 100.0%

ValuationRp.

Dec 13 Mar 14 Jun 14 Sep 14 Dec 14

Share Price 1,230 1,340 1,400 1,355 1,360

PBV 1.1x 1.1x 1.2x 1.1x 1.1x

EPS Quarterly 35 31 30 25 27

Note: *) OCBC Overseas Investment Pte. Ltd is owned by OCBC Bank, Singapore. OCBC Bank is Singapore’s longest established bank (est. 1912) and one of

Asia’s leading financial services groups, with group assets of SGD 392 billion as of 30 September 2014 and employs more than 29,000 staff globally and

has a banking network of over 630 branches and offices in 18 countries and territories.

Share Price▼▼▼▼

Source: Bloomberg

1616




• Appendix

Agenda

17

Business Initiatives

Consumer Banking

– Intensifying Tanda, Taka and Tanda 360o

campaign to acquire more new customers.

– Intensifying internet and mobile banking campaign to acquire more new users.

– Launched Tanda Funtastrip program in May 2014.

– Launched Bancassurance product of MaxPrestige Saver, MaxLink and MaxHealth in first

semester 2014.

– Launched new mutual funds product such as Schroder Dana Prestasi in February 2014, BNPParibas Astro in September 2014, Ashmore Dana Progresif Nusantara, Ashmore DanaEkuitas Nusantara, Manulife Dana Saham, and Manulife Indonesia Fund in October 2014.

– Launched Mobile Booth & Tanda 360º Booth in some public areas, especially in shopping center

(ie. Summarecon Mall Serpong, Living World Mall, etc), in December 2014 to attract new

customers. Promotion of Press and Win trip to Legoland Malaysia to increase users andtransaction of e-channel through credit card, ATM, mobile and internet banking, alsopromotion of Spend and Get from 15 Nov-31 Dec 2014 to increase debit card usage.

18

Business Initiatives

Retail Government Bonds (ORI) Series ORI011 Year 2014Following the success of selling the previous retail bonds series, Bank OCBC NISP has been

reselected as one of the selling agents for ORI011. It was successfully selling the Retail Bonds

series to both primary market as well as in the secondary market

SUKUK Negara Ritel Seri 006 Year 2014Following the success of selling the previous SUKUK series, Bank OCBC NISP again serves as a

reseller of the SUKUK Negara Ritel Seri 006 to individual investors. It was successfully selling

SUKUK series to both in primary market as well as in secondary market.

19

Corporate Social Responsibility

• As a part of I Love Science (ILS) program, Bank OCBC NISP togetherwith Professor Yohanes Surya visited Cipinang Besar Selatan 19 PagiElementary School (SDN CBS 19 Pagi). The event was filled in withmath lesson by Professor Yohanes Surya through exciting methods. This

ILS program was greatly responded by the children.

• A number of Bank OCBC NISP volunteers visited the AnkolSchool inJembatan Tiga area, a non-formal school for those children who areunable to obtain formal education. The volunteers gave some donationsto the AnkolSchool, ie. reading books, bookshelves, TVs, CD players,school stationery, and school uniforms for a total of 153 children.Additionally, the volunteers distributed the souvenirs to the children,painted the classroom walls, and installed the school’s name board.

• The Training of Trainers (ToT) ILS program in 2014 was held at OCBCNISP Tower Jakarta, attended by the guests from the Karya SalembaEmpat Foundation (KSE), the Sekolah Tinggi Keguruan dan IlmuPendidikan (STKIP) Surya, and the ILS teachers who are ready fortraining, the students from University of Indonesia (UI), State Universityof Jakarta (UNJ), Agricultural University of Bogor (IPB), STKIP Suryaand 10 teachers from representative elementary school in Jabodetabek.

2020

Corporate Social Responsibility (Cont’d)

• The workshop took place at Anggrek Campus - Bina NusantaraUniversity, Jakarta. The One Day Workshop successfully attracted 94students to participate. Carrying the theme “Wealth Management inA Simple Way”, the workshop was expected to educate the studentsabout banking in general, current good wealth management, and careersin banking industry.

• On its 73rd Anniversary, Bank OCBC NISP conducted a CSR program –Bicycle Donations, themed “Millions of Thanks to You Teacher” in 37cities accross Indonesia. This program was conducted as a form ofappreciation to the teachers in both cities and villages, from Sumatra toSulawesi.

• Together with OCBC Bank Singapore and Bank of Singapore, BankOCBC NISP conducted a CSR program, themed “Clean Water for Sabira”,in Sabira Island, a part of Thousand Islands. This CSR program wasmeant to provide clean water, build the public bathing, washing and toiletfacilities, and also repair the school building for early childhood educationin Sabira Island.

2121


• The I Love Science 2014 program (ILS) has officially closed after ongoingsince February 2014. In the closing ceremony, which took place at OCBCNISP Tower, Bank OCBC NISP awarded the best students and tutors in theILS program as a form of appreciation. Besides, Bank OCBC NISP alsoawarded 10 elementary schools, who have been supporting and participatingin ILS program, by giving each of the school a set of megaphone and DVDplayer to support the students’ learning activities in school.

• YES Competition Award 2014 took place at Bank OCBC NISP Tower,whereby the 5 winners of YES Competition 2014 were awarded in this event.Each winner received a prize of Tabungan TANDA OCBC NISP. In addition,Bank OCBC NISP also invited some successful entrepreneurs to become theguest speakers so that they could share their stories with the futureentrepreneurs.

• Bank OCBC NISP held a social event to give the nine basic needs (sembako)to the people around the office’s neighborhood. This regular event, which isheld on yearly basis, is a manifest of social responsibility and gratitude fromOCBC NISP bank on its achievements. The give-away of the nine basicneeds event was held in Jakarta, Bandung, and Surabaya with a total of2,100 packages.

2222


• Bank OCBC NISP organized the “One Day Workshop” (ODW) program,

themed “Wealth Management In a Simple Way”, for students in Bandung.The workshop took place at OCBC NISP Learning Center (ONLC)–Bandung. As many as 85 students from three universities in Bandung;Parahyangan University, Widyatama University, and MaranathaUniversity, joined this program.

• Bank OCBC NISP conducted One Day Workshop at UnikaSoegijapranata, Semarang. The event was divided into three sessions:“Banking Overview”, “Wealth Management in a Simple Way”, and “Careerin Banking and Campus Hiring”. The Event closes the series of 2014ODW.

• In order to raise awareness about Thalassemia disease and itsprevention, Bank OCBC NISP ran a series of health seminars and bloodscreening tests under the “Identify, Prevent, Stop Thalassemia!”program. The seminars and tests took place at four universities inIndonesia: ITB (Bandung), UI (Depok), STKIP Surya (Tangerang) andWidyatama University (Bandung). More than 700 students, lecturers,and civitas academica joined the seminars and health check-ups.

2323


• Through its Corporate Social Responsibility program themed “My DreamsCome True”, Bank OCBC NISP intends to appreciate mothers, who despitetheir old age, still fight tirelessly to make a living for their families. This

program aims to provide supporting equipment such as pans, rice cookersand mattresses to these women fighters in the 30 cities where Bank OCBCoperates.

242424

Accolades

.

.

Islamic Finance Award 2014 for Top Growth Financing, Top Growth Funding, dan The Best Sharia Unit

category, under the group of bank with assets of less than Rp 1 trillion, KARIM Business Consulting.

The 2014 Indonesian BankLoyalty Award in categoryof Savings Account

Conventional Banking withassets under Rp 100 trillion,Mark Plus Insight.

.

Asia’s Best Companies 2014Award in category of Best

Managed Companies (ranked6th), Finance Asia Magazine.

Global Banking &Finance ReviewBest SME BankIndonesia 2014.

Anugerah Seabad Indonesia2045 Bank OCBC NISP wasawarded for its existence andsustainability in IndonesiaBanking Industry for more thanthree generations, Pusat DataBisnis Indonesia (PDBI).

252525

Accolades (Cont’d)

.

.

.

Infobank Magazine - Jakarta

Platinum Trophy 2014 for "Excellent"

Financial Performance 2004-2013

League of American Communication

Professionals Platinum Award - 2013

Vision Award Annual Report Competition

Asian Banking & Finance

Magazine, Singapore Indonesia

Domestic Foreign Exchange Bank

of The Year 2014

Asian Banking & Finance Magazine,

Singapore - Online Banking Initiative

of The Year 2014 - Indonesia

Asian Banking & Finance Magazine,

Singapore Social Responsibility

Program of The Year 2014 - Bronze

Asian Banking & Finance

Magazine, Singapore SME Bank

of The Year 2014 - Indonesia

26

Accolades (Cont’d)

.

Annual Report Award 2013 -

Ranked 2nd in Private Financial

Listed category.

The Indonesian Institute of Corporate

Directorship (IICD), Jakarta -

Best Responsbility of The Board 2014

The Indonesian Institute of Corporate

Governance, Jakarta - Corporate

Governance Perception Index 2014 Award,

category "Most Trusted Company"

2727

Human Capital

Others

• Team-up Senior executive OCBC Bank Singapore in Board ofCommissioners and Board of Directors OCBC NISP.

• Transfer knowledge throughout comprehensive training program,business event, comparative studies, job attachment and guestauditors.

• Build service excellence culture.

• Provide strong capital support.

• Create synergy in better supporting financing and transactionservice needs for customers.

• Enhance infrastructure, information technology & branch networks.

• Broaden conventional and Islamic banking product suite.

• Bolster process improvement throughout Quality projects.

• Link-up ATM in Singapore and Indonesia.

Supports from Controlling Shareholder

2828




• Appendix

Agenda

2929

Vision and Mission

Vision

Mission

To be the Bank of choice with world-class standards, recognized for its caring and trustworthiness.

Bank OCBC NISP will conduct its business and will operate as an honorable corporate citizen that grows together with the society in a

sustainable manner.

3030

• Fourth oldest bank in Indonesia was incorporated in 1941.

• Listed its shares on Indonesia Stock Exchange in 1994.

• Has survived through any Indonesia economic crisis.

• Transformed the entire organization subsequent to adopted a new name PT Bank OCBC NISP Tbk. by the end 2008.

• The Indonesia’s eight largest private bank by the end of September 2014.

• Strong business acumen with focus on serving consumer, small and medium enterprises.

• Currently employs 6,654 dedicated staff to serve customers in 59 cities across Indonesia throughout 337 offices and 759 ATMs.

• The merger with Bank OCBC Indonesia was completed on 7 February 2011 resulting in one single banking entity and franchise for the group in Indonesia.

• Solid financial performance with strong capital support from OCBC Bank Singapore.

Fact of OCBC NISP

31

Board of Commissioners as of 31 December 2014Pramukti SurjaudajaChairman– Chairman, Board of Commissioners, Bank OCBC NISP since 2008

– President Director Bank OCBC NISP (1997-2008)

– Council Member, International & East Asia Council, INSEAD,

France, since 2006

– Non Executive Director at OCBC Bank-Singapore since 2004

Peter Eko SutiosoDeputy Chairman– Deputy Chairman of Bank OCBC NISP since 1998

– Commissioner Bank OCBC NISP (1997-1998)

– Director of Bank OCBC NISP (1972-1997)

– Active in Perbanas (Indonesian Banking Association) West

Java as Chairman of Perbanas West Java (1983-1988), and

active in BMPD West Java (1977-1990)

Roy Athanas KaraoglanIndependent Commissioner– Independent Commissioner of Bank OCBC NISP since 2003

– As Banking Consultant since 2003.

– Consultant for IFC (2000-2011)

– Associate Director of Credit Review Department, IFC (1998-2000)

– Chief Banking Specialist of Central Capital Markets Department,

IFC (1994-1997)

Jusuf HalimIndependent Commissioner– Independent Commissioner of Bank OCBC NISP since 2006

– Chairman of the Audit Committee of Bank OCBC NISP since

February 2011

– Member of National Council Board-the Indonesian Institute of

Accountants since 2010

– Member of Honorary Board-the Indonesian Institute of Audit

Committee since 2010

Lai Teck Poh (Dua Teck Poh)Commissioner– Commissioner of Bank OCBC NISP since 2008

– Non Executive Director in OCBC Bank (Malaysia) Bhd since

2011

– Director in OCBC Bank Ltd since 2010

– OCBC Bank Ltd (1988-2010) with latest management

position as Head, Group Audit

– Managing Director, Citicorp Investment Bank (Singapore)

Ltd (1986-1987)

Kwan Chiew ChoiIndependent Commissioner– Independent Commissioner Bank OCBC NISP since 2011

– Independent Commissioner of Bank OCBC Indonesia (2008-

2010)

– Senior Vice President, Head Credit Control and Approval,

OCBC Bank Ltd (1987-2008)

– Loans Department Manager of Sumitomo Bank Ltd,

Singapore Branch (1973-1982)

Samuel Nag TsienCommissioner– Commissioner of Bank OCBC NISP since 2012

– Director of Wing Hang Bank, Limited since August 2014

– Director of Mappletree Investments Pte. Ltd. since March 2014.

– Chairman of the Association of Banks in Singapore since June

2013

– Joined OCBC Bank Ltd in 2007 and appointed as Group Chief

Executive Officer since April 2012 and as Director since February

2014

– Director of OCBC Bank (Malaysia) Berhard, OCBC Al-Amin Bank

Berhard, Great Eastern Holdings Ltd, and OCBC Overseas

Investments Pte. Ltd since April 2012

– Chairman of OCBC Bank (China) Ltd. since October 2012

– President and Chief Executive Officer of Bank of Amerika (Asia)

Hongkong, from1995-2006

Hardi JugandaCommissioner– Commissioner of Bank OCBC NISP since May 2012

– Director Bank OCBC NISP (1997-May 2012)

– Head Positions in various branches and divisions of Bank

OCBC NISP (1985-1997)

32

Parwati SurjaudajaPresident Director & CEO– President Director of Bank OCBC NISP since December 2008

– Deputy President Director Bank OCBC NISP (1997-2008)

– Director of Bank OCBC NISP (1990-1997)

Board of Directors as of 31 December 2014

Yogadharma RatnapalasariManaging Director– Director of Bank OCBC NISP since 2003

– Assistant Director Bank OCBC NISP (1997- 2002)

– Commissioner of PT NISP Sekuritas (2000-2003)

– Head Positions in various divisions of Bank OCBC NISP

(1988-1997)

Rama Pranata KusumaputraManaging Director– Director of Bank OCBC NISP since 2006

– Assistant Director of Bank OCBC NISP (2005-2006)

– Region II Coordinator of Bank OCBC NISP (2001-2005)

– Has experience in various positions in Bank Bali (1990-2000)

with last position as General Manager

Emilya TjahjadiManaging Director– Director of Bank OCBC NISP since 2011

– Director of Bank OCBC Indonesia (2009-2010)

– SVP and Head Commercial Banking MME at HSBC, Jakarta

(2003-2009)

– American Express Bank Ltd., Jakarta (1996-2002) with last

position as Director of Corporate Banking

– Standard Chartered Group, Jakarta & Singapore (1991-1996) with

last position as Senior Relationship Manager

HartatiManaging Director– Director of Bank OCBC NISP since 2011

– Chief Financial Officer of Bank OCBC NISP (2010-2011)


– Accounting & Finance Division Head Bank OCBC NISP

(2006-2008)

– General Manager Bank OCBC NISP (2005-2006)

– Bank Mandiri (2001-2005) with last position as Accounting

Group Head (Senior Vice President)

– Bank Bali (1984-2000) with last position as Financial Control

Department Head (Vice President)

Andrae Krishnawan W.Managing Director– Director of Bank OCBC NISP since 2013

– Senior Corporate Executive Bank OCBC NISP (2009-2013)


– The Staff Director Bank OCBC NISP (2006-2007)

– Has experience in various positions in Bank International

Indonesia (1991-2006) with last position as Regional Head for

the last 7 years

Martin WidjajaManaging Director– Director of Bank OCBC NISP since 2012

– SVP & Head of International and Large Local Corporation in

HSBC (2010-2012)

– Senior Vice President, Commercial Banking, HSBC (2006-

2010)

– Vice President, Commercial Banking (2004-2006) and

Corporate & Institutional Banking (2003-2004), HSBC

– Assistant Vice President Corporate & Institutional Banking,

HSBC (2002-2003)

– Manager Corporate Banking, HSBC Surabaya (2000-2002)

Johannes HusinManaging Director– Director of Bank OCBC NISP since 2013

– Treasurer Bank OCBC NISP (2011-2013)

– Executive Vice President, Head of Trading & Sales Bank

Danamon (2008-2011)

– Executive Director – JP Morgan Chase Bank (2005-2008)

– Senior Vice President, Head of Trading Bank Danamon (2004-

2005)

– Vice President, Senior Interest Rate Trader-Standard

Chartered Bank (2000-2004)

– Currency Forward Trader-ABN Amro Bank (1998-2000)

– Foreign Exchange Trader-Bank Dagang Nasional Indonesia

(1997-1998)

33

Board of Directors as of 31 December 2014 (Cont’d)

Low Seh Kiat (Thomas) Managing Director– Director of Bank OCBC NISP since 2013

– National Emerging Business Head Bank OCBC NISP (2010-

2013)

– Vice President, Business Head of Emerging Business OCBC

Bank, Singapore (2005-2010)

– VP, Head of Program Management & Marketing OCBC Bank,

Singapore (2004-2005)

– VP-GE Commercial Financing (S) Ltd, Singapore (2001-2004)

– Has experience in various head positions in Heller Factoring

(S) Ltd, Singapore (1995-1997) and Heller Asia Capital (S)

Ltd, Singapore (1998-2000)

– Sales Manager – D&D International Enterprise Ltd, USA

(1992-1994)

Joseph Chan Fook OnnManaging Director– Director of Bank OCBC NISP since 2014

– OCBC Group Risk Management (Feb-Mar 2014)

– Head of Internal Audit Division, OCBC Bank Malaysia Bhd

(2010-Jan 2014)

– Head of Internal Audit Division, Bank OCBC NISP – Jakarta

(2006-2010)

– Senior Audit Manager – Consumer Credit Review, OCBC

Bank – Singapore (2004-2006)

– Audit Manager, Standard Chartered Bank – Singapore

(2000-2003)

– Have more than 19 years banking experience especially in

Internal Audit.

– MBA, University of Southern Queensland, Australia (2013)

and Bachelor, Business/Accounting, Monash University,

Australia (1994).

3434

Corporate Development

PT. Bank OCBC NISP Tbk

OCBC NISP Tower, 15th Floor

Jl. Prof. Dr. Satrio Kav. 25, Jakarta 12940

Phone : +62 21 255 33 888

Fax : +62 21 579 44 000

Website : www.ocbcnisp.com

Email : [email protected]

2014 presentation bank ocbc nisp (english) · 11 pt bank ocbc nisp tbk financial performance –...

Documents