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Rapat Komite Informasi LPS
Jakarta,
Perkembangan Bank Internasional Indonesia (BII)Maybank Investor Day
PT Bank Internasional Indonesia Tbk (BII)
Management Presentation
Jakarta, 3 June 2013
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2013 Maybank Investor Day Page 2
90.00
93.35
92.53
93.78
The Best Bank in Service Quality for 4 (four)
consecutive years from Institute of Service
Management Studies (ISMS) Trisakti
Top 1 in Service Quality
2009/2010 2010/2011 2011/2012 2012/2013
Service Quality Awards
Committed in Delighting Customer’s Heart
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2013 Maybank Investor Day Page 3
Table of Contents
Macro Economy & Banking Industry
BII in Brief
Strategy & Key Focus Area
Financial Performance
Retail Banking
Global Banking
Business Banking
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2013 Maybank Investor Day Page 4
Indonesia Macro EconomicStrong & growing domestic demand. Environmental Fuel price hike expected to increase inflation
54.6
8.9
38.1
24.3
(25.8)
Share of GDP by Expenditure (%)
Household Consumption
Government Consumption
Investment
Exports
Imports
Strong domestic consumption driven by emerging middle class
Summary GDP Forecast by Expenditures , %YoYExpenditures 2008 2009 2010 2011 2012 2013F 2014F
1. Cons umption 5.94 6.20 4.14 4.51 4.76 5.24 5.46
Hous ehold 5.34 4.86 4.74 4.71 5.28 5.11 4.79
Government 10.43 15.67 0.32 3.20 1.25 6.19 10.07
2. Gros s F ixed Capital F ormation 11.89 3.29 8.48 8.77 9.81 9.93 10.83
3. E xport of Goods and S ervices 9.53 -9.69 15.27 13.65 2.01 2.56 7.05
4. Import of Goods and S ervices 10.00 -14.98 17.34 13.34 6.65 4.58 7.40
GROSS DOMESTIC PRODUCT 6.01 4.63 6.19 6.53 6.23 6.30 6.51
Source : BII E conomic Research
• Current Inflation as at 5.57%. 2013 inflation is expected to
be 7.98% yoy if Government increases the fuel price by
33.3% an average (subsidized Premium fuel by IDR
2000/liter; subsidized diesel fuel by IDR 1000/liter)
• USD/IDR remain under pressure
0.0
20.0
40.0
60.0
80.0
100.0
120.0
140.0
8,000
8,500
9,000
9,500
10,000
10,500
11,000
11,500
12,000
12,500
Ap
r-07
Jul-0
7O
ct-07
Jan-0
8A
pr-0
8Ju
l-08
Oct-0
8Jan
-09
Ap
r-09
Jul-0
9O
ct-09
Jan-1
0A
pr-1
0Ju
l-10
Oct-1
0Jan
-11
Ap
r-11
Jul-1
1O
ct-11
Jan-1
2A
pr-1
2Ju
l-12
Oct-1
2Jan
-13
Ap
r-13
Int. Reserve, Biliions US$ (RHS) IDR/USD (LHS)
0.54
1.03
0.75 0.63
-0.10
0.23
1.41
2.07
0.81
0.26
-0.07
0.23
0.49
4.30
4.57
5.315.90
5.575.74
6.57
8.02 7.86 8.12 7.87 8.04 7.98
0.00
1.00
2.00
3.00
4.00
5.00
6.00
7.00
8.00
9.00
-0.50
0.00
0.50
1.00
1.50
2.00
2.50
Dec-1
2
Jan-1
3
Feb
-13
Mar-1
3
Ap
r-13
May-1
3
Jun-1
3
Jul-1
3
Aug
-13
Sep
-13
Oct-1
3
No
v-1
3
Dec-1
3
YoY (%)MoM (%)
Source: BII Economic Research
Inflation Outlook M-o-M (LHS) Y-o-Y (RHS)
GDP Growth by Expenditures , %YoY `
Expenditures 2012Q1 2012Q2 2012Q3 2012Q4 2013Q1 2013Q2F 2013Q3F 2013Q4F
1. Consumption 5.09 5.64 4.50 3.91 4.70 5.05 5.12 4.08
Household 4.94 5.24 5.57 5.36 5.17 4.96 4.67 3.85
Government 6.45 8.64 -2.81 -3.34 0.42 5.71 8.47 5.33
2. Gross F ixed Capital Formation 9.97 12.47 9.80 7.29 5.90 11.53 9.29 8.71
3. E xport of Goods and S ervices 8.23 2.63 -2.56 0.50 3.39 1.83 3.17 3.55
4. Import of Goods and Services 8.95 11.33 -0.17 6.79 -0.44 4.09 4.64 4.99
GROSS DOMESTIC PRODUCT 6.29 6.36 6.16 6.11 6.02 5.95 5.80 5.57
S ource : BP S & B I I E conomic R esearch
*) without fuel price hike
*)
**)
**) with fuel price hike
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2013 Maybank Investor Day Page 5
Indonesia - An Attractive Value Proposition
Source: McKinsey Global Institute
4585
135170
195
180
145110
240265
280 280
People entering consuming
class over 2010 total
1256040
Consuming Class
(Middle Class)
Other
2
22010 2020 2030 2030
Potential GDP 5–6% 5–6% 7%
Growing middle class will drive better qualified workforce &
bigger market
208,805 249,351
344,387
390,716 473,541 517,830
564,130
1.74% 1.67%
1.97% 1.81%1.96%
2.00% 2.10%
0.00%
0.50%
1.00%
1.50%
2.00%
2.50%
-
100,000
200,000
300,000
400,000
500,000
600,000
2005 2006 2007 2008 2009 2010 2011
Density Penetration
792 1,002 1,308 1,438 1,766 2,200
2,708 3339
3951
49495606
6447
74238242
23.7%25.4% 26.4% 25.6%
27.4%29.6%
32.9%
-
2,000
4,000
6,000
8,000
10,000
2006 2007 2008 2009 2010 2011 2012
0.0%
5.0%
10.0%
15.0%
20.0%
25.0%
30.0%
35.0%
Commercial Bank Loan, Rp tn (LHS) GDP, Rp tn (LHAS)
Indonesia’s Loans to GDP Ratio Insurance Industry Penetration
Source: McKinsey Global Institute
Unbanked Population
• Total # of Population : 237 million
• 15.98% of total population
have their own bank accounts
• 10.2% of total population
have access to bank loans
GDP Forecasting
*Data World Bank 2010
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2013 Maybank Investor Day Page 6
Indonesian Banking Landscape
BANKING SECTOR
(1,943)
COMMERCIAL BANK
(131)
RURAL BANK
(1,812)
COMMERCIAL BANK
CONVENTIONAL
(120)
RURAL BANK -
CONVENTIONAL
(1,653)
SHARIA
RURAL BANK
(159)
SHARIA BUSINESS UNIT
OF
COMMERCIAL BANK
(24)
STATE BANKS
(4)
PRIVATE
NATION
BANKS
(106)
FOREIGN
OWNED
BANKS
(10)
Foreign
Exchange
Commercial
Banks
(36)
Non-Foreign
Exchange
Commercial
Banks
(30)
Regional
Development
Banks
(26)
Joint
Venture
Banks
(14)
We’re
here
SHARIA
COMMERCIAL
BANK (11)
Data as of March 2013
As of March 2013, Top 10 of 120 Commercial banks in the country control 65% of total
system deposits and 67% total system loan
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Page 72013 Maybank Investor Day
Banking Sector
Financial system stability and the performance of the banking industry remain solid.
Source: Bank Indonesia – Indonesian Banking Statistic
2,534.1 2,517.0
3,652.8
4,262.6 4,313.8
2009 2010 2011 2012 Mar-13
Total Assets (Rp tn)
1,973.0
2,338.8
2,784.9
3,225.2 3,243.1
2009 2010 2011 2012 Mar-13
Third Party Fund (Rp tn)
1,437.9
1,765.8
2,200.1
2,707.9 2,768.4
2009 2010 2011 2012 Mar-13
Credit (Rp tn)
72.9
75.2
78.8
83.6 84.9
2009 2010 2011 2012 Mar-13
LDR ( %)
3.3
2.6
2.17
1.87 1.97
2009 2010 2011 2012 Mar-13
NPL Gross (%)
17.4 17.2
16.1
17.4
19.1
2009 2010 2011 2012 Mar-13
CAR (%)
5.6
5.7
5.9
5.5
5.4
2009 2010 2011 2012 Mar-13
NIM (%)
2.6
2.9
3.0
3.1
3.0
2009 2010 2011 2012 Mar-13
ROA (%)
CAGR 2009-2012 = 18.93% CAGR 2009-2012 = 17.80% CAGR 2009-2012 = 23.49%
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2013 Maybank Investor Day Page 8
Table of Contents
Macro Economy & Banking Industry
BII in Brief
Strategy & Key Focus Area
Financial Performance
Retail Banking
Global Banking
Business Banking
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2013 Maybank Investor Day Page 9
Profile and Corporate Structure
Established : 15 May 1959
Total Assets (Mar‟13) : Rp118.3 Trillion
Total Equity : Rp9,7 Trillion
Market Capitalization : Rp23,6 trillion
No. of Branches : 415 (incl. Syariah &
Overseas branch) + 214 (WOM) +
41 (BIIF)
No. of ATM + CDM : 1.388 ATM incl. 65 CDM and also
Connected to more than 20,000
ATMs (via ALTO, ATM Bersama,
Prima, MEPS, Cirrus & Plus)
No. of Employees : 12,275 (Group);
7,471 (BII Only);
4,456 (WOM);
258 (BIIF)
No. of Customers : 4.2 million customers
Profile Maybank Group Presence in Indonesia
97.29%
62.00%99.99%
MSI
99% 80%
Asset Management
100%
Pending completion
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2013 Maybank Investor Day Page 10
Board of Directors
Dato Khairussaleh Ramli
President Director
Rahardja Alimhamzah
Director, Global Banking
Thilagavathy Nadason
Director, FinanceRita Mirasari
Director, Legal &
Compliance &
Corporate Secretary
Ani Pangestu
Director, Human
Capital
Ghazali M. Rasad
Director, Operations
& IT
Jenny Wiriyanto
Director, Business
Banking
Hedy Lapian
Director, Risk
Management
Lani Darmawan
Director, Retail Banking
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Page 112013 Maybank Investor Day
-Present in all Provinces as of March 2013
-Branches and touch points expansion on track
*) as of 31 Dec’12, 12 branches still waiting for BI approval
Branches and ATM
249 255327 351 368 375 389 415 415 465
740 787
952
1,152 1,190 1,218 1,2371,317
1,388
1,657
Dec-08 Dec-09 Dec-10 Dec-11 Mar-12 Jun-12 Sep-12 Dec-12 Mar-13 Plan 2013
*
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Page 122013 Maybank Investor Day
BII amongst Peers
10 10
8
Market Share Top 10 Banks BII
Assets 65.8% 2.7%
Loan 67.3% 2.9%
Deposits 66.2% 2.8%
467.02
418.05
369.13
242.93
167.32
111.63 106.75 89.27 88.31 87.09
MANDIRI BRI BCA BNI CIMB NIAGA PERMATA PANIN BII DANAMON BTN
Total Deposits Consolidation (Rp.Tn)
640.60
529.51
447.44
319.72
217.46
153.79 153.78 138.09
120.18 118.33
MANDIRI BRI BCA BNI CIMB NIAGA PANIN DANAMON PERMATA BTN BII
Total Assets Consolidation (Rp Tn)Total Assets (Rp tn)
Total Deposits (Rp tn)
391.21
375.53
266.01
200.50
147.06
116.29
100.68 99.99
85.51 79.75
MANDIRI BRI BCA BNI CIMB NIAGA DANAMON PERMATA PANIN BTN BII
Total Loans Consolidation (Rp Tn)Total Loans (Rp tn)
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2013 Maybank Investor Day Page 13
Table of Contents
Macro Economy & Banking Industry
BII in Brief
Strategy & Key Focus Area
Financial Performance
Retail Banking
Global Banking
Business Banking
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Page 142013 Maybank Investor Day
Strategy by 2015
Group Vision Statement
To be a Regional Financial Services Leader
Group Mission Statement
Humanising Financial Services Across Asia
To be the leading relationship bank in Indonesia by truly being in the community, serving
through customized products & solutions and delivering high quality of services
Humanising Financial Services
Strategy
Statement
Mission
Global Banking: Your “primary”
bank
Business Banking: Empowering Your
Community
Retail Banking: World Class Services
Tailoring financial services to your
needs
Segment Focus:
• Focus on mid sized corporate
companies
• Selective play in large
corporates
We offered tailored personal and
business solutions for you and your
community through superior service
and convenience
Segment Focus:
• Explicit approach to target cash-
rich industries
• Focus on small & medium sized
enterprises and Emerging
Business
• Enter micro business
We provide distinctive “privileged”
and “relationship-based” services
Segment Focus:
• Affluent: Target with
strengthened Platinum Access
Center (PAC)
• Explicit proposition for Mass
Affluent
• Mass: Continue to target using
segmentation-led approach
Syariah
Be a major
player in Syariah
by offering
Syariah solutions
across all
Business
Segments
Distribution: Superior customer service and effective sales across all points of presence
(Branch, ATM, Web, Phone)
Operations & IT: Streamlined end to end processes to deliver our commitment on “fast” services
HR: Distinctive value proposition for employees a strong talent program management
Risk: Best in class risk models & policies to enable rapid profitable growth
Finance: Fair and transparent budgeting, allocation with strong governance on spend effectiveness
Syariah
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Page 152013 Maybank Investor Day
Business Focus
Retail
Banking
Business
Banking
Global
Banking
Syariah
Currently Enhancement
• Product Owner
• Leverage on existing infrastructure,
distributions and customer relationship.
• Build/expand network
• Build franchise across all businesses
• Enter into MICRO business
• Build SME lending with retail experience
• Rebuild & Refocus on Commercial
• Continue strengthening end to end
financial supply chain solution and
regional Center of Excellence (COE)
• Expand to mass affluent
• Expand to Finance beyond 4 wheel & 2
wheel
• Grow PITA
• Present in all consumer
Products with strength in mid
to upper customer segment
• Micro through BPR (Channelling)
• SME focus on Small Medium & Emerging
business segments
• Build business community and
supply chain lending
• Leverage Investment Banking
• Close Collaborations with Maybank & KE
Indonesia
• Account Planning within BII & Maybank Group
• Focus on Consumer with limited
distributions capability
• Selected lending growth
• Expansion of fee based income
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Page 162013 Maybank Investor Day
Phase 2
Launch Q3-Q4 2012 Launch 2013
Phase 3
Phase 1 New Growth
Quick Wins
Enhance talent management to
create back-up talent for key
positions
C5 Increase penetration of
Bancassurance
Improve commercial
performance to corporate levels
Accelerate account planning
implementation
Optimize alternate channel strategy
and evaluate leveraging on business
partners’ POS
Review and revise FTP
mechanism
Create liabilities focused frontline
teams to target cash rich
industries
Increase cross-selling of
products (retail and corporate)
Increasing CASA Balance by
strengthening Transaction Banking
Accelerate rollout of branch
frontline transformation
Review cost allocation & launch
strategic cost management
Upgrade credit risk tools &
policies to enable business
growth
Launch gold pawn broking
Turnaround WOM’s performance
Grow mortgage sales by
differentiating on TAT, expand
product portfolio
Refresh & review PAC proposition
Build on existing success in
Supply Chain FinanceStrengthen coordination with
Maybank Group (Maybank and
Kim Eng)
Institutionalize execution of early
warning & monitoring process
Accelerate sales of 4 wheeler
using Bii branch network
Develop distinctive proposition &
business model for mass affluent
Review and optimize branch
coverage and staffing model
including dedicated CASA team
for SME
Create a compelling
employee value proposition
Grow credit card revenues by
upgrading capabilities, optimizing
spend/revolve
Streamline and centralize
end-to-end processes (ops,
credit and collections)
Re-organize Syariah as a
product provider
Build Bankwide CRM to
enhance customer loyalty
and database marketing
Continue to
grow profitably
Build
capabilities
and address
fundamentals
Developing
Talents
Consumer – 5 initiatives
Transformation – 3 initiatives
SME – 3 initiatives
Finance – 2 initiatives
GWB – 4 initiatives
Joint BUs – 4 initiatives
HR – 2 initiatives
Risk – 2 initiatives
Distribution – 3 initiatives
G4
J3
D2
J2
G3
F2
D1
F1
G1
H1
C3
S1
S2
G2
C2
S3
C1
R2
C4
H2
C
T
S
F
G
J
H
R
D
R1
J1
J4
D3
T2
T1
Evaluate business
segmentation, coverage
approach, evaluate micro
T3
Launched
Under IMPACT Transformation Program, BII will focus on continuing to grow
profitably, build capability and address fundamentals and developing talents
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2013 Maybank Investor Day Page 17
IMPACT: 10 months implementation up to April 2013
Branch
Frontline
Transformation
Syariah as
product
provider
Account
planning to
Increase share
of wallet
Initiative
Strategic Cost
Management
Programme
(SCMP)
Next steps
Expand coverage and
implement TIGER to
remaining 300+ branches
by year end
Complete 55 account
planning session till
Dec‟13, to include
regional accounts
Implement 50
identified cost saving
initiatives
Develop new product
and expand office
channeling
Transaction
Banking (Trade
Finance)
Leverage branch
network for 4
wheeler
Enhance go-to
Market Strategy and
continue process
improvement
Improve referral
process and
collaboration with
BIIF
Micro
business
franchise
Gold
Pawn
Broking
Trade
Finance
and
Securities
Services
Set micro financing
business to reach
unbankable segment
Set gold pawn broking
business to support
financial needs of
consumptive segment
and micro business
Improve processes and
programs of talent
management and
succession plan
• New products for micro
segment
• Micro outlet through
dedicated micro branches
and conventional
branches
• New gold pawn broking
product
• Gold pawn broking
service in micro
branches
• Regional product value
proposition
• SLA improvement of the
current processes
• Develop talent pipe line
and talent pool for
regional growth
Initiative Targeted Outcomes
Talent
Mgmt
Description
Increase BII Maybank
market share in trade
business and securities
services (SS)
Targeted Outcomes
Increased sales
productivity in branch
Revitalized syariah
product & streamlined
business model
Offer comprehensive
product solution to Global
Banking client through
cross-segment collaboration
Lower cost to income ratio,
enhance cost consciousness
Improve trade finance
transaction, TAT and
product solutions
Leverage on BII branch
network, enhance product
offering to customers
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2013 Maybank Investor Day Page 18
Strategic Objectives 2015
1Deliver ROE more than 16% with higher Equity base.
(2012 : 15%)
2
Double Digit Contribution to Maybank Group
(from 6.8% now)
Syariah Financing to more than 10% of Total BII Loan
(from 2.5% now)
4
3Rebalancing the auto loan portfolio whilst four wheel
exceeding two wheels loan
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2013 Maybank Investor Day Page 19
For 2013, We are focusing on the following priorities …
Optimizing branch capability and expanding footprints
Increasing Customer base
Boosting Fee Income
Boosting CASA Funding to support growth
Addressing Cost Structure
Enter new businesses to complement growth and enhance financial
performance, in line with the strategy of being in the community
Supporting Regionalization initiatives to enhance value for our
customers
Enhancing capabilities such as IT Infrastructure, talent development.
The Bank‟s headline KPI in 2013 :
Loans growth of 22%
ROE (Tier 1) of 15% based on enlarged capital base
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2013 Maybank Investor Day Page 20
Table of Contents
Macro Economy & Banking Industry
BII in Brief
Strategy & Key Focus Area
Financial Performance
Retail Banking
Global Banking
Business Banking
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2013 Maybank Investor Day
Retail Banking Strategy towards 2015We face competition by offering Unique Value Proposition on relationship, customer centricity and fast services
21
2015
WORLD CLASS SERVICE
Strengthen PA
Brand and value
proposition
Build highly skillful
& productive PAC
RM.
Expand WM
product & service
offering.
Revitalize Value
proposition for
lifestyle usage
Focus to grow
Multi purpose loan
by synergy with
Corporate & SME
Optimize
revolving
customers by
segmented
program
Customer centric to
cater customer
needs segmented
products/ services
Focus target to
community &
trading area.
Increase X-Sell to
create Cust.
Stickiness
Key
Segment
Strategies
1. FUNDING 2. WEALTH 3. MORTGAGE 4. CREDIT CARD 6. WOMF
Provide
competitive rate,
fast approval and
flexible process
Enter heavy
equipment and
machinery
financing.
Leverage BII
branch network
and SME
Customers.
5. BIIF
Establish Ops
Excellence to
optimize Cost /
Income Ratio
Implement Risk
Based Pricing
Improve Credit
Scoring and
strengthen
Collection system.
Strengthen Key
Differentiators
(fair pricing,
fastest, solution
driven)
Product innovation
& attractive
bundled product /
programs.
Optimizing Credit
Initiation process.
Key
Products
Capital Protected
Fund
Hybrid Unit Link
Retail Bond
Multi Purpose Loan
(PITA )
Strategic
partnership
Dealer matrix
selection for New &
Used bike financing
Refinancing by
channeling with BII
Woman One Saving
Payroll package
All in One Gold
Saving
Car Financing for
prominent Auto
Brand
Heavy Equipment
Floating Rate, Fix
& Fix for primary
mkt
Secondary market
mortgage
Note : * Funding Market share is based on
Total Funding Volume (Bank Wide)
2012 Volume 2012 Market Share
1. Consumer CASA* IDR 18.9 T 2.6%
2. Mortgage IDR 9.9 T 3.9%
3. Credit Card IDR 2.1 T 4.4%
4. BII Finance IDR 6.4 T 4.2% (by ENR)
5. WOM Finance IDR 8.8 T 8.5% (by unit financed)
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2013 Maybank Investor Day 22
Key Focus Area & Priorities in 2013 Improve productivity, Branch Optimization , Customer Segmentation and Maximizing business
a. Lean organization structure to boost productivity and better communication
delivery (both HO & Distribution team)
b. Establish healthy performance management culture
c. Achievable yet rewarding KPI and Score Card
d. Talent management – Pool of talent to grow
2Improve Employee
productivity & engagement
3 Optimize Branches
4 Customer Focus
5 Operational Excellence
a. Organization structure stream lining
b. Increase Ratio Sales : Service in branch
c. Robust Performance Management & Tracking
d. Branch expansion to increase footprint
a. Customer focus approach to maximize Product holding & loyalty
b. Provide attractive Bancassurance & Investment product (UL Hybrid, Retail Bonds)
c. Need-Based -Selling Approach
a. Improve Business process efficiency & TAT
b. Increase Service Quality to customers
c. Risk Alignment to maintain healthy asset quality
1 Maximize Business Growtha. Grow faster than industry in most business lines
b. Maximize payroll opportunity including intensive X-Sell with SME & GB customers
c. Maximize Funding through merchants, trading area and retail community
d. Strengthen Electronic Channel capability
e. Leverage synergy with multi finance (subsidiaries) via co-branding scheme
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Page 232013 Maybank Investor Day
Optimize Branch + Execute Strategic ExpansionNetwork expansion is accompanied by Branch Optimization Project (TIGER)
Mobile Units (Mobil Kas Keliling)
7 MKK operated 10 MKK plan to launch in 2013
Region & Branch Expansion
Customer visit management
Sales model
Sales tools and enablers
Sales planning and routine
Sales performance management
Service delivery
1
2
3
4
5
6
Assess Branch Performance
TIGER BRANCH PROJECT was launched to :
a. Boost Sales Person productivity
b. Build High performance sales culture
c. Accelerate customer and volume acquisition
2009 2010 2011 2012 Mar'13
Region 6 8 9 11 12
Area 61 67 73 76 79
Branch 250 320 343 395 406
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2013 Maybank Investor Day
Adopt Customer Centric ApproachComplete product suits for each segments – to enable Need Based Selling
Children Singles Married Established
Lifecycle
Fin
ancia
l Est
ablish
men
t
Children /
Students
General Customers
Young ProfessionalsCollege Student
Career Woman
Housewives
Entrepreneur
ProfessionalsBusinessman/
woman
Well Established Entrepreneur
Businessman/woman
Strengthen partnership with Lion
Air through Credit & Prepaid card
Capturing new
Jobbers & 1st
Card user
Utilize HNW segment through
“Travel Lifestyle“ by
leveraging Maybank regional
network
Penetrate Japanese market
through BII Japanese Corporate
Desk
Saving Product Credit Card
Mortgage
Middle ClassUpper Class
Val
ue
Pro
po
siti
on
With Specific Request
House value < 1,000 Mio Employee of Payroll Customers Employee of credible institution
House value above 1,000 Mio Prime / Platinum customers Executive / business owner
Customer Type
Purpose
Cust SegmentLow Medium High
Bancassurance
Page 24
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Page 252013 Maybank Investor Day
Strengthen E-channel Capability E-channel as the backbone of Retail business transactions as well as Value Proposition
37 Banks19.000 ATM
70 Banks27.000 ATM
19 Banks4.000 ATM
2. Add More Billers
11 Payment Aggregators
E-Commerce Merchants
6,000 Outlets
5. Maintain Local Networks
Retail Outlets Rural Banks
140 BPR600+ Outlets
Telco Partners
50 mio subscriber
Remittance Partners
Payment Aggregators
Expand ATM & CDM
> 1,300
Upgrade Internet Banking functions
New Mobile Banking
Credit Card EDC
> 7,000
Education Insurance E-Commerce Multi finance Real estate
1. Expand e-Channel Network coverage
4. Expand to International Network
3. Expand Bill Payment Coverage
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Page 262013 Maybank Investor Day
Resulting a shift of Banking Transactions to e-ChannelMobile and internet banking show accelerated growth since last year
26
Compare to 2012, ATM transaction decrease as in impact from
denomination changes
Internet Banking transaction grows rapidly after infrastructure upgrade
Mobile Banking user and transaction grows exponentially
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2013 Maybank Investor Day
Our Market Share & Rank in 2012We have improved Market Share and Rank in Home Loan, Auto Finance (BII Finance) and Bancassurance
1. Home Loan , Card Market share and rank are based on ENR
2. BIIF, WOM Market share and rank are based on Unit Financed
3. Bancassurance Market share is based on Annualized Premium
Equivalent (APE) of Total Bancassurance business only, excluding
from Agency. The rank is compared amongst other Prudential bank
partners
Panin, CIMB Niaga
Permata, OCBC NISP
UOB, OCBC NISP, CIMB
Niaga, Permata
Permata, HSBC,
Citiban,Standard
CharteredPanin, MTF, Adira &
Mitsui Leasing
BESS, BFI, SOF, BAF, HD
Finance
Citibank, UOB, Permata
2 0 1 1 2 0 1 2
Page 27
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2013 Maybank Investor Day
Recent Accolades for Retail BankingBII and BIIF was awarded in Product Innovation, Best Performing and Best Quality of Service
BII is Awarded as The Most Innovated private banking in Mortgage in 2012 by Indonesia Property & Bank Magazine
1 1 1 1
JakartaBandung
92.53
92.35
BII is Ranked 1 in Customer Satisfaction Index By Independent Parties
Institute Of Service Management Studies (ISMS) - Trisakti
OTHER SERVICE ACHIEVEMENT: TOP 1: The Best of Indonesia Service to Care Champion
2013 : Service To Care Award Award 2013, from Markplus
Inc. and Marketeers
EXCELLENT ACHIEVEMENT: Excellent Service Experience
Award (ESEA) 2013, from Harian Bisnis Indonesia and
CARRE CCSL
BII Finance is awarded as The Best Multifinance in 2012
from :
Majalah Investor for asset category of IDR 1-2 trillion
APPI (Asosiasi Perusahaan Pembiayaan Indonesia) for asset
category > IDR 500 billion
BII Saving Woman One was awarded in 2010 for :
The Best in Market Driving – Marketing Award
The First Bank to launch Saving product for Woman –
Rekor Bisnis Indonesia BII e-Channel was in Top 5 Rank in 2011 from MRI :
Overall E-Banking Rank # 3
Phone Banking IVR Rank # 3
Internet Banking Rank # 4
Page 28
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2013 Maybank Investor Day Page 29
Table of Contents
Macro Economy & Banking Industry
BII in Brief
Strategy & Key Focus Area
Financial Performance
Retail Banking
Global Banking
Business Banking
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2013 Maybank Investor Day
Global Banking Strategy towards 2015
30
2015
Your “Primary Bank”Tailoring Financial Services to customers needs, Focus on mid to large corporate segments
Focus on end-to-end credit
process. Check and
balances on credit and
industry risks from the
start.
NPL Management, manage
cost of credit steadily
Increase Productivity
Focus on Corporate FX flow
(Non Retail); Optimizing
Cross selling on FX business
Focus on Structured FX on
their hedging needs
Revamp BFX model (Retail)
Collaboration with Maybank
Kim Eng on primary Bond
market.
Primary bond dealer on
secondary bond market.
Implement Account Planning
to increase wallet share
Increase business to and
from Maybank Kim Eng for
capital market products
Collaboration with Maybank
for both wider client coverage
and product support.
Improve Cross Sell Ratio (all
products)
Key
Segment
Strategies
Market share for loan 4.2% by 2015
Top 10 trade finance bank by 2015
Increase Cash Management customers by 4 times by 2015
Top 5 local Fund Administrator & preferred local Custodian Bank by 2015
To be Top 5 Fixed Income Dealer League by 2015
1. Client Coverage 2. Corporate Banking 3. Transaction Banking 4. Global Market
Strategic
Objective
Enhance business and
distribution model to
increase trade coverage
nationwide.
Rollout Regional Cash
Management platform
Rollout the new Securities
Services business model
Leverage FI and NBFI
business portfolio
Key
Product
Working Capital
Investment Loan
Trade Finance
Corporate/Leverage
Finance
Plain vanillaFX
Hedging FX, ie. CCS, IRS
Capital Market (Bond)
Cross-sell all Bank products
and services, including Capital
Market, Investment, Syariah
and Retail products
CoOLBanking & CoOLPay
Regional electronic platforms
i.e .Regional Cash,
TradeConnex, Regional Supply
Chain Financing & eCustody
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2013 Maybank Investor Day
Global Banking - Key Focus Area & Priorities in 2013
• Strategize account relationship via Account Planning (Locally and Regionally)
• Expand Transaction Banking Sales Team national coverage
• Identify new pipeline both tapping Indonesian top-tier and MNCnames
• Expanding corporate portfolio in other Regional Office
2 Increasing Customer Base
3 Boost Fee Income
4 Boosting CASA Funding
5 Addressing Efficiency
• Promote the Bank as client‟s “Primary” transaction banks
• Intensify collaboration with S&D to increase Coolbanking subscribers and FX transaction
• Acquire Payroll product solution as door opener to cross sell
1Optimizing branch capability and
expanding footprints
• Client Coverage team in the selective Regional Office
• Revamp FX branches model, adding BFX specialists in the Regional Office to support FX growth
• Expand branch capabilities in Trade Finance and Cash Management areas in all Regional Office.
• Cross-sell product and services across the bank, ie. Transaction Banking, Supply Chain and Global
Market, Retail Products, etc
• Focus on Corporate Finance and Capital Market (along with Maybank Kim Eng) transactions
• Optimize utilization rate to increase (trade volume) through relationship and pricing management.
• Discipline in managing Cost to Income ratio
• Improve productivity of each AO reviews & processes new credit proposals/annual review.
• End-to-end continuous process improvement
6• Investment Banking and Syariah products to complement existing commercial and conventional
products and services
• Enhance structured cash capabilities to target niche community/cash-riched industries
Enter new businesses to
complement growth
7
• Follow Client‟s business expansion. Focus in-bound and out-bound business along with the
increasing client‟s needs.
• Regional Account Planning
Supporting Regionalization
initiatives
8• Ensure consistent quality of service delivery across Global Banking products and services
• Provide front-end customer solution for Global Market and trade transactions through Tiger system
and Trade Connex
• Provide regional cash management and supply chain capabilities through Regional Cash
Management System and Regional Supply Chain Financing
• Provide front-end Securities Services customer solution through eCustody
Enhancing capabilities such as
IT Infrastructure
Page 31
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2013 Maybank Investor Day
2.33%
3.13%
4.36%
7.17%
9.80%
14.44%
18.00%
14.11%
26.65%
1.76%
2.56%
4.38%
8.14%
8.22%
14.59%
17.13%
17.73%
25.50%
0.00% 5.00% 10.00% 15.00% 20.00% 25.00% 30.00%
Mega = 9
Danamon = 8
BII = 7
Permata = 6
CIMB Niaga = 5
BNI = 4
BCA = 3
BRI = 2
Mandiri = 1
OS 2012 % OS 2011 %
0.51%
0.48%
1.62%
1.94%
1.86%
2.12%
2.04%
3.28%
3.07%
3.14%
6.59%
40.17%
11.50%
21.69%
0.93%
1.17%
1.89%
2.22%
2.38%
3.37%
3.46%
3.68%
3.86%
6.26%
7.71%
12.09%
16.98%
34.01%
0.00% 5.00% 10.00% 15.00% 20.00% 25.00% 30.00% 35.00% 40.00% 45.00%
MEGA
PANIN
DANAMON
BUKOPIN
BII
PERMATA
CIMB NIAGA
ANZ
OCBC NISP
DBS
BCA
BRI
BNI
MANDIRI
Q4 2012 (%) Q4 2011 (%)
Global Banking - Our Market Share & Rank in 2012 (1/2)
Corporate Loan
Market Share 2012
Trade Finance
Market Share 2012
Page 32
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2013 Maybank Investor Day
0.06%
0.45%
0.97%
1.82%
2.16%
2.22%
2.25%
2.31%
4.10%
4.11%
6.85%
13.44%
14.09%
15.86%
28.51%
0.20%
1.49%
0.58%
0.88%
0.82%
3.62%
2.33%
6.26%
7.66%
1.93%
5.05%
8.83%
15.04%
12.12%
22.02%
0.00% 5.00% 10.00%15.00%20.00%25.00%30.00%
Bank Tabungan Negara = 15
Bank OCBC NISP = 14
Bank Mutiara = 13
Bank Internasional Indonesia = 12
Bank Victoria = 11
Bank Capital Indonesia = 10
Bank Danamon = 9
Deutsche Bank = 8
Bank Pan Indonesia = 7
Bank Mandiri = 6
Royal Bank of Scotland = 5
DBS Bank Indonesia = 4
HSBC Bank = 3
Standard Chartered Bank = 2
Bank CIMB Niaga = 1
2011 2012
0.74%
2.14%
2.44%
2.68%
2.95%
3.47%
3.52%
4.93%
7.10%
7.57%
8.94%
10.69%
12.30%
12.47%
15.76%
1.47%
1.10%
1.43%
3.97%
8.03%
2.88%
1.40%
6.01%
1.32%
7.26%
7.52%
15.68%
6.89%
11.21%
23.82%
0.00% 5.00% 10.00% 15.00% 20.00% 25.00% 30.00%
Bank Danamon = 15
Bank Rakyat Indonesia = 14
Bank Negara Indonesia = 13
Bank Permata = 12
DBS Bank Indonesia = 11
Bank Central Asia = 10
Bank CIMB Niaga = 9
Bank Pan Indonesia = 8
Bank Internasional Indonesia = 7
HSBC Bank = 6
Standard Chartered Bank = 5
JP Morgan Chase Bank = 4
Bank Mandiri = 3
Citibank NA = 2
Deutsche Bank = 1
2011 2012
Global Banking - Our Market Share & Rank in 2012 (2/2)
Corporate Bonds
Market Share 2012
Government Bonds
Market Share 2012
Page 33
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2013 Maybank Investor Day
Best Financial Services
Provider in Indonesia
Natural Resources
Electricity & Power
Property
Agribusiness
Trading & Retail
Consumer Goods
Corporate Banking
• Investment Loan
•Working Capital
•Corporate /Leverage Finance
Transaction Banking
•Letter of Credit
•Bank Guarantee
•CoOL Banking/ CoOL Pay
•Security Services
Global Market
•Foreign Exchange (Retail)
•Structured FX (Hedging)
•Capital Market Related
Other Products and Services
•Credit Card
•Mortgage
•Vehicle Loan
•Supply Chain
Products & Services Industry Focus
Global Banking – Products & Services and Industry Focus
Page 34
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2013 Maybank Investor Day
Macro Economy & Banking Industry
BII in Brief
Strategy & Key Focus Area
Financial Performance
Retail Banking
Global Banking
Business Banking
Page 35
Table of Contents
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2013 Maybank Investor Day Page 36
Business Banking
Strategic Drivers
“Empowering your community”
Sub
Segment
Strategies
SME targets Medium
enterprises with loan limit
of up to Rp10 billion.
Commercial targets
Medium-Large enterprises
with loan limit of up to
Rp100 billion.
Micro targets Micro & Small
enterprises with loan limit
of up to Rp500 million.
Product
• BII SUKA
• BII SATU
• BII Surya+
• BII Spektra
• B2B Trade
• B2C Trade
• Commercial Loan
• Cash management
• Trade Finance
• Micro lending
• Gold pawn
• Linkage Program
SME COMMERCIALMICRO
We offer tailored personal and business solutions for you and your community
Strategic
Objectives
•Lending Market Share of 5% by 2015
•Leading financial supply chain business in creating a cash less society
End to End Financial Supply Chain Solution covering vertical and horizontal opportunities
BII Sinergi BII Semarak
Channel 70 branches• Micro Units
• BII‟s subsidiaries316 branches
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2013 Maybank Investor Day Page 37
Business Banking
Strategic Focus
Empowering your
community
We offer tailored personal
and business solutions
for you and your
community through
superior service and
convenience
1 Develop Massive Horizontal
and Vertical Community
Financing
2 Focus in Industries which
generate high transaction
volume with short cash cycle
3 Expand reach through
multi delivery channels
covering the entire
business chain.4 Go beyond customer Centric
to human centric approach
5 Invest in people
6 Efficient end-to-end
processes with focus
on best in class
turnaround time and
quality
Focus growth through In-Organic and organic (portfolio acquisition)
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2013 Maybank Investor Day
Business Banking
Key Focus Area & Priorities in 2013
a. Enter Micro business
b. Launch SME lending with retail experience (Surya+)
c. Women segment
d. Japanese communities
2New Business
3 Support Regionalization
4Boosting sustainable CASA
funding to support growth
5 Build Branding Franchise
a. Regional Supply Chain
b. Banking services for Indonesian migrant workers
a. Acquire Payroll clients as door opener to cross sell
b. Accelerate liabilities portfolio growth through by leveraging
ecosystem within target communities cash rich industries
c. Xsell and Bundling program
a. Strengthening position in women segment through sukmainspirasi.com
and Sukma Award.
b. Develop B2B web media for SME Community networking - SentraHub
1 Grow Customer Basea. Become the settlement bank for Rural Banks (BPRs)
b. Strengthening footprint in Communities
c. Loyalty program to increase products holding
Page 38
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2013 Maybank Investor Day
Definition of SME in Indonesia
*Nett asset excluding Land and Building of business site
Criteria
Asset * (Rp) Annual Sales (Rp)
Max 50 Mn Max 300 Mn
50 Mn – 500 Mn > 300 Mn – 2.5 Bn
500 Mn – 10 Bn > 2.5 Bn – 50 Bn
Micro Enterprise
Small Enterprise
Medium Enterprise
DescriptionNo
1
2
3
Source: Ministry of SMEs & Co-operative
Business Banking
SME in Indonesia
In 2011 there are 55.21 Mn enterprises in Indonesia.(UU RI No. 20, issued 04 July 2008)
Composition of MSM & Large Enterprise
Of the total number of Enterprises, 99.99% or 55.2 million is
MSMEs contributing a total GDP of Rp4,304 Tn or 58% of total
Indonesian GDP.
SME Loan Market in Indonesia Business Banking Market Share• Indonesia has a huge potential in SME Lending, with portfolio of
Rp526 Tn as of Dec‟12.
• SME portfolio from top 9 Banks hold 39% of total SME* lending
market.
SME Lending Market in Indonesia
Rp Tn 2010 2011 2012 CAGR
MSME - BI definition 445 458 526 8,8%
SME* 467 592 752 26,9%
SME Top 9 Bank 218 254 294 16,2%
*BI with assumption of 43% is corporate and commercial
Business Banking Market Share has grown from 2.50% in 2010 to
3.07% in 2012
2,50% 2,77% 3,07%
2010 2011 2012
Bus. Banking Market Share
Note: Business Banking includes Micro, SME & Emerging Business.
Page 39
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Page 402013 Maybank Investor Day
Business Banking
Business Banking Portfolio
Business Banking loan showed a strong growth with CAGR of 40.4%
from 2010 to 2012. Per Mar‟13, growth momentum is maintained
at 39% YoY.
Note: Business Banking includes Micro, SME & Emerging Business.
Loan Deposits
Loan Portfolio Quality Loan to Deposit Ratio
Business Banking deposits showed a strong growth of 31.7% YoY
2012. Per Mar‟13, portfolio grew by 36% YoY.
11,716,4
23,1
2010 2011 2012
CAGR: 40.4%
Q1-12
17,1
0
23,8
0
BII SMEQ1-13
11.
7
16.
4
23.
117.
1
23.
8
39%
15,9
20,9
2011 2012
31.7%31.7%
16,4
0
22,3
0
1 2
36%
Q1-12 Q1-13
15.9
20.916.4
22.3
2,74%
1,93%
1,26%1,12%
2010 2011 2012 Q1-13
NPL2.74
%
1.93
%1.26
%1.12
%103,0%
110,1%
106,6%
2011 2012 Q1-13
103.0%
110.1%
106.6%
As the business grew, Business Banking continued to improve its
portfolio quality to 1.12% per Mar‟13 from 2.74% in 2010. Loan to Deposit ratio per Mar‟13 is 106.6%.
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Page 412013 Maybank Investor Day
(IDR Tn) Dec 2009 Dec 2010 Dec 2011 Dec 2012 Mar 2013
Bus. Banking Loan 3.7 11.7 16.4 23.1 23.8
Market Share Loan 2.04% 2.50% 2.77% 3.07%
Bus. Banking Deposits 15.9 20.9 22.3
Phase 1REBOUND :Back to Basics
Business Banking
Our Milestones
Phase 2REGAIN : Develop Winning Businesses
June 2009 January 2010 Phase 3REESTABLISH : Establish market leadership in an innovative way
January 2012
UVP : Your SMEC Business partner to grow with you through a simple fast, flexible, and friendly approach
Develop Massive end to end FSCM serving down to 3rd layer leverage thru multi channel - BII SEMARAK
BII SPEKTRA
BII SATU - Tanah Abang Community Program
BII SURYA
BII SUKMA
Auto Renewal for loan up to Rp1B
Reduce Avg TAT loan by 50%
Develop a systematic sales mechanism through handholding,couching and mentoring
Redesign ODP program
Branch empowerment
Be the first in Develop Cashless Community thru BII SINERGI
Be the first in Launch Regional Supply Chain Initiative
Reenergize BII SUKA to up to Rp10B
Be the first in serving women as a
segment
Education and health industry choice in cash management
Be the 1st Bank to provide Web Online Credit Application
Full LOS implementation across Region
Reduce Avg TAT loan by 70%
KPI alignment
New UVP : leading in community-based business covering entire businesschain through multi channels in building up cashless community
Product
Process & People
Positioning
UVP : Unique Value Proposition
Revitalize target market
Resegmentize SME, EB and Commercial
Re-mapping product based on community, geographic and industry approach
Reenergize BII SUKA
Revamp FSCM framework
Reform Regional center of excellence
Build a balance credit and sales culture
Performance management
Be the settlement bank for Rural Banks
Set footprint in selected Communities.
Enter Micro Business
Banking services for Indonesian migrant workers
Be the first in providing B2B web media for SME Community networking - SentraHub
Regional Supply Chain
Loyalty program
Launch SME Lending with retail experience (Surya+)
Business Scoring System for SME
24/7 banking through web interactive
Revamp business structure
Phase 4LEAD THE MARKET: Empowering your community
2015
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2013 Maybank Investor Day
Business Banking
Journey toward cashless community
Page 42
Commercial / Medium Enterprise
Small / MediumEnterprise
CorporateMicro / Small Enterprise / Consumer
Dealer / Distributor
Reseller / Sub Dealer
Principal
ResellerReseller
ResellerReseller
ResellerReseller
ResellerReseller
ResellerReseller
Sub DealerSub Dealer
Sub DealerSub Dealer
Sub DealerSub Dealer
Sub DealerSub Dealer
RetailerRetailer
RetailerRetailer
RetailerRetailer
RetailerRetailer
RetailerRetailer
Supplier
Corporate / Commercial /
Medium Enterprise
Sub DealerSub Dealer
Sub DealerSupplier
Sub DealerSupplier
Sub DealerSupplier
Sub DealerSupplier
Sub DealerSupplier
CASHLESS B2B Community
Consumer Goods
Food & Beverages
Telco
Pharmaceutical
Transportation
Distributor Financing
BII Sinergi
Supplier FinancingMobile Banking
Cash Management
Internet Banking / Web based
Internet Banking /Web based
Internet Banking / Web based
Mobile branchMobile Teller
Mobile branchMobile Teller
Mobile branchMobile Teller
Mobile branchMobile Teller
Mobile branchMobile Teller
Retailer
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2013 Maybank Investor Day Page 43
Table of Contents
Macro Economy & Banking Industry
BII in Brief
Strategy & Key Focus Area
Financial Performance
Retail Banking
Global Banking
Business Banking
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2013 Maybank Investor Day Page 44
1Q12 4Q12 1Q13 Rp. Billion Mar-12 Mar-13
A B C C/B D E E/D
1,167 1,366 1,380 1% Net Interest Income 1,167 1,380 18%
628 512 638 25% Non Interest Income 628 638 2%
1,796 1,877 2,018 8% Gross Operating Income 1,796 2,018 12%
(1,247) (1,228) (1,461) 19% Operating Expenses (excl. Provision) (1,247) (1,461) 17%
549 650 557 (14%) Operating Income before Provision 549 557 1%
(220) (280) (195) (30%) Provisions (220) (195) (11%)
329 370 362 (2%) Operating Income After Provision 329 362 10%
51 43 76 76% Non Operating Income (expense) 51 76 50%
379 414 438 6% Profit Before Minority Interest & Tax 379 438 15%
8 (20) (3) (86%) Minority Interest 8 (3) (133%)
(121) (107) (126) 18% Tax (121) (126) 4%
267 286 309 8% PATAMI 267 309 16%
Quarterly Income Statement Annual Income Statement
Income Statement – PATAMI growth of 16% year on year
Source of data : Publish report
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2013 Maybank Investor Day Page 45
Rp. Billion Mar-12 Mar-13
Loans 69,827 79,747 14%
Government Recap. Bonds 3,691 3,709 0%
Other Earning Assets 11,275 19,804 76%
Total Assets 96,540 118,334 23%
Deposits from Customer 72,047 89,273 24%
- Current Account 12,317 13,955 13%
- Saving Account 16,076 19,277 20%
- Time Deposit 43,655 56,041 28%
Borrowing 5,556 4,772 (14%)
Securities Issued 3,594 6,094 70%
Subordinated Loans 1,991 2,988 50%
Other Liabilities 5,133 5,341 4%
Total Liabilities 88,320 108,468 23%
Minority Interest 157 172 9%
Equity 8,062 9,694 20%
Year on Year (YoY)
Balance Sheet – Total Assets have grown by 23%
Source of data : Publish report
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2013 Maybank Investor Day Page 46
Solid Growth across the Bank‟s Core Business
Customer DepositsTotal Assets
Loan Growth
Rp. Billion
Rp. Billion
Rp. Billion
Summary
• Assets market share continued to improve from 2.49% in
March ‟12 to 2.64% in March‟13
• Deposits market share continued to improve from 2.56%
in March‟12 to 2.76% in March‟13
• Strong loan growth accompanied by strong improvement
in asset quality.
March 13 YoY Growth :
Industry (Bank)) 22.16%
BII (Bank Only) 14.09%
CAGR 2008 – 2012 :
BII 21%
Industry 20%
March '13 YoY Growth :
Industry (Bank)) 16.32%
BII (Bank Only) 22. 97%
CAGR 2008 – 2012 :
BII 19%
Industry 17%
March 13 YoY Growth :
Industry (Bank) 14.76%
BII (Bank Only) 23.87%
CAGR 2008 – 2012 :
BII 19%
Industry 16%
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2013 Maybank Investor Day Page 47
Improvement in Key Drivers (YoY)
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2013 Maybank Investor Day Page 48
Consolidated Mar-12 Mar-13 Bank Only Mar-12 Mar-13
Profitability Profitability
Return On Assets 1.57% 1.48% -0.09% Return On Assets 1.57% 1.31% -0.26%
Return On Equities 14.40% 14.35% -0.05% Return On Equities 14.12% 12.97% -1.15%
Net Interest Margin 5.51% 5.32% -0.19% Net Interest Margin 5.17% 4.58% -0.59%
Efficiency & Productivity Ratio Efficiency Ratio
Cost to Income Ratio 69.43% 72.40% 2.97% Cost to Income Ratio 65.67% 71.83% 6.16%
Earning Asset Quality Earning Asset Quality
Impaired Loans - Gross 2.09% 1.99% -0.10% Impaired Loans - Gross 2.04% 2.00% -0.05%
Impaired Loans - Net 1.11% 1.10% -0.01% Impaired Loans - Net 1.06% 1.11% 0.05%
BalanceSheets Structure BalanceSheets Structure
LDR 96.30% 88.00% -8.30% LDR 90.45% 82.55% -7.90%
Modified LDR *) 83.40% 76.17% -7.23% Modified LDR *) 81.34% 74.16% -7.18%
CASA to Total Funding 39.41% 37.23% -2.18% CASA to Total Funding 39.56% 37.34% -2.22%
CAR (with credit, operational & market risk) 12.71% 13.29% 0.58% CAR (with credit, operational & market risk) 12.85% 13.34% 0.49%
Year on Year (YoY) Year on Year (YoY)
*) Modified LDR is defined as (Loans excl. BPR) / (Third Party Deposits + Borrowing + Securities Issued + Sub Debt)
Financial Ratios
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2013 Maybank Investor Day Page 49
Loan Growth (YoY) Rp. Trillion
Rp Trillion Mar-12 Mar-13
Global Banking 26.8 26.7 0%
Business Banking 17.1 23.8 39%
Retail Banking 25.5 28.8 13%
Others 0.4 0.5 14%
Total 96.6 106.5 10%
Total Without WOM 86.8 98.0 13%
Strong Loan growth in Business Banking
LDR & Loans Rp. Trillion
Bank Only
Dec-10 Dec-11 Dec-12 Mar-13
LDR 83.2% 88.9% 87.3% 82.6%
LDR Modified 81.5% 78.9% 77.9% 74.2%
• Excluding the WOM two-wheel portfolio which was affected by the
new LTV rule, retail loans grew by 30%.
• Global Wholesale Banking (GB) loans (including Commercial loans)
remained stable at Rp26.7 trillion as the Bank re-adjusted its
corporate portfolio consistent with its proactive credit risk
management activities.
Global Banking : Business Banking : Retail banking :
- Corporate - Emerging Business - Mortgage
- Commercial - Medium - Auto WOM
- Small - Credit Card
- Channel+Micro - WOM Finance
- BII Finance
• With effect from 1 January 2013, with greater focus and harmonization
with the Group, Wholesale Banking is now called Global Banking.
• With effect from 1 January 2013, to reflect the coverage expansion
covering Micro, SME, Commercial, International Strategic Business,
Financial Supply Chain Management (FSCM) and Credit Management, the
SME Banking Directorate is now called Business Banking.
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2013 Maybank Investor Day Page 50
Deposit Growth (YOY)
Rp TrillionActual
Mar-12
Actual
Mar-13
Growth
Mar-12 vs Mar-13
Global Banking 19.5 22.9 17%
Business Banking 16.5 22.4 36%
Retail Banking 36.1 44.0 22%
Overseas 0.1 0.1 11%
Total 72.2 89.5 24%
Deposits growth
Rp. Trillion
*) Bank Only
Customer Deposit Composition by Percentage
• Customer Deposit saw strong increase of 24% during
the first quarter 2013 to Rp89.5 trillion from Rp72.2
trillion in the first quarter last year.
• Current accounts grew by 13% to Rp14 trillion,
Saving accounts grew by 20% to Rp19 trillion, and
time deposits increased by 28% to Rp56 trillion.
• Our strategy in leveraging our existing client base in
Retail, Business and Global Wholesale by optimizing
cross sell and encourage referrals has provided
support in growing our customer deposits after
seeing positive traction in our initiative to enhance
the productivity of branches to generate deposits.
Customer Deposits Composition
14.8
18.8 52.5 2012
12.5
17.6 40.3 2011
14.1
19.3 56.1
Mar/13
1Q13
Current Accounts Saving Accounts Time Deposits
27%
23%
50%
0%
Mar-12
26%
25%
49%
0%
Mar-13
Global Banking
Business Banking
Retail Banking
Overseas
Global Banking : Business Banking : Retail banking :
- Corporate - Emerging Business - Mortgage
- Commercial - Medium - Auto WOM
- Small - Credit Card
- Channel+Micro - WOM Finance
- BII Finance
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2013 Maybank Investor Day Page 51
0
5
10
15
20
25
30
35
40
0
100
200
300
400
500
600
700
800
J F M A M J J A S O N D J F M A M J J A S O N D J F M
Mil
lio
ns
Share Price Volume
Share Price Performance & Rating
Hi: Rp 770
(3 Jan’11)
2011 2012 2013
Mar-12 Jun-12 Sep-12 Dec-12 Mar-13
Share Price (Rp) 450 425 410 395 415
PBV (x) 3.14 2.85 2.64 2.34 2.41
PER 23.75 20.22 18.77 18.40 21.90
BNII
Ratings
Company Rating
Obligasi Senior
Obligasi Subordinasi
AAA (idn)
AAA (idn)
AA (idn)
Company Rating
Obligasi Senior
Obligasi Subordinasi
idAAA
idAAA
idAA+
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2013 Maybank Investor Day Page 52
CAR - Consolidated
Note: Based on PBI No.14/18/PBI/2012, BII is classified as BUKU 2
9%
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Thank You
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2013 Maybank Investor Day Page 54
Disclaimer
Please note that some of the statements in this document may constitute “forward-looking statements” that do not directly
or exclusively relate to historical facts. Some of the statements in this document (including but not limited to the forward-
looking statements) are derived from or are based upon information from public or external sources and/or reflect BII’s own
internal projections, current intentions, plans, expectations, assumptions and beliefs about future events and are subject to
risks and uncertainties that may cause actual events and BII’s future results to be materially different than expected or
indicated by such statements. To the extent that such statements in this document (including but not limited to the forward-
looking statements) are derived from or are based on public or external sources of information, BII’s has not undertaken any
independent verification of such information. No assurance can be given that the results anticipated by BII, or indicated by
any such statements in this document (including but not limited to the forward-looking statements), will be achieved. You
are urged to view the statements contained in this document (including but not limited to the forward-looking statements)
with caution.
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2013 Maybank Investor Day Page 55
CSR Programs
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Page 562013 Maybank Investor Day
Four Pillars of BII CR Programs
• Focus on environmental protection and reduce the impact of global warming
• Support on nature conservation
• Support communities to improve the quality of life for better future
• Women community empowerment
• Disaster relief program
• Support communities through health & sport programs
• Focus on providing scholarships to young talents fromunderprivileged families
• Support banking education for community
Education PromoteHealthy
Life
Environment
Community
Humanizing Financial Services
Provide opportunity for better
education
Promote winning culture & healthy life
through sports and health
Empower
Community for
better future
Preserve environment
for better future
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Page 572013 Maybank Investor Day
CSR Highlights – 1Q 2013
Provide staple foods for flood victims at Kampung
Pulo, Jakarta, Jan 2013
Organized BII Blood Drive at BII Batam branches,
February 2013
Offer scholarship to senior high students at ETOS
EXPO 2013 organized by Universitas Indonesia,
March 2013
Concern for the Community by supporting earth
hour activity, March 2013
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Page 582013 Maybank Investor Day
BII Maybank Bali Marathon
Event Marathon 2012
On 22 April 2012, we held „BII Maybank Bali Marathon‟,
the first international marathon event after more than 20
years in Indonesia. Runners from around the world
participated in the race includes wheelchair athletes
CSR in BII Maybank Bali Marathon 2012
Mini Marathon 2013On 5 May 2013, BII held Mini Marathon
Jakarta, pre –event of Bali Maybank Bali
Marathon 2013
Supported Gianyar
community through
Yayasan Bumi Sehat in
providing free health care
for women and children
Supported 17 schools
located along the marathon
route by providing learning
materials, i.e books, sport
equipment, etc
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Page 592013 Maybank Investor Day
Service Quality Awards
The Best Bank in Service Quality for 4 (four)
consecutive years from
Institute of Service Management Studies
(ISMS) Trisakti
Top 1 in Service Quality
90.00
93.35
92.53
93.78
2009/2010 2010/2011 2011/2012 2012/2013
• Excellent Service Experience Award (ESEA) from CARRE of Center for Customer
Satisfaction and Loyalty (CCSL) and Bisnis Indonesia
• Contact Center Service Excellence Award 2013 from Marketing magazine and
CARRE of Center for Customer Satisfaction and Loyalty (CCSL)
• Service to Care Award 2013 from Markplus Insight and Marketeers
Others Service Award in 2013
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Page 602013 Maybank Investor Day
Event Highlights – 1Q 2013
Launched “Mobil Kas Keliling” (MKK) at BII Bandung branches,
15 Jan
Held “Gerobak Seru SME” to support micro business, 30 Jan
Signed partnership with Air Asia to provide cash management
solutions, 16 Feb
Held one-day seminar to offer best financial solutions for
Japanese businessmen, 19 Feb
Grand launch Platinum Access Center (PAC) and sub-branches
located at BII‟s head office, 20 Feb
Grand opening KC Muara Bungo, 22 Feb
Held BII Maybank Economic Briefing 2013 to update
economic and market condition to Corporate customers,
27 Feb
Signed partnership with Koperasi Simpan Pinjam Jasa
(Kospin Jasa) to provide online cash management services,
18 Mar
Introduced Mobile Banking application at Android, 3 Apr
Gerobak Seru SME Banking Mobil Kas Keliling 16 Feb
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Page 612013 Maybank Investor Day
CSR Highlights – 1Q 2013
Provide staple foods for flood victims at Kampung
Pulo, Jakarta, Jan 2013
Organized BII Blood Drive at BII Batam branches,
February 2013
Offer scholarship to senior high students at ETOS
EXPO 2013 organized by Universitas Indonesia,
March 2013
Concern for the Community by supporting earth
hour activity, March 2013