management presentation jakarta, 3 june 2013 · 6/3/2013 · strong domestic consumption driven by...

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

2013 Maybank Investor Day

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


Table of Contents

Macro Economy & Banking Industry

BII in Brief

Strategy & Key Focus Area

Financial Performance

Retail Banking

Global Banking

Business Banking


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


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


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


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%


Table of Contents


BII in Brief



Retail Banking

Global Banking

Business Banking


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


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


-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

*


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)


Table of Contents


BII in Brief



Retail Banking

Global Banking

Business Banking


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


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


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


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


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


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


Table of Contents


BII in Brief



Retail Banking

Global Banking

Business Banking


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)

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


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


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


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


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


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


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


Table of Contents


BII in Brief



Retail Banking

Global Banking

Business Banking


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


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


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


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


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



BII in Brief



Retail Banking

Global Banking

Business Banking

Table of Contents


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


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)


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


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.


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%.


(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


Business Banking

Journey toward cashless community

Commercial / Medium Enterprise

Small / MediumEnterprise

CorporateMicro / Small Enterprise / Consumer

Dealer / Distributor

Reseller / Sub Dealer

Principal

ResellerReseller

ResellerReseller

ResellerReseller

ResellerReseller

ResellerReseller

Sub DealerSub Dealer




RetailerRetailer

RetailerRetailer

RetailerRetailer

RetailerRetailer

RetailerRetailer

Supplier

Corporate / Commercial /

Medium Enterprise


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





Retailer


Table of Contents


BII in Brief



Retail Banking

Global Banking

Business Banking


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


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


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%


Improvement in Key Drivers (YoY)


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


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.


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


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+


CAR - Consolidated

Note: Based on PBI No.14/18/PBI/2012, BII is classified as BUKU 2

9%

Thank You


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.


CSR Programs


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


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


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


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


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


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

management presentation jakarta, 3 june 2013 · 6/3/2013 · strong domestic consumption driven by...

Documents