Académique Documents
Professionnel Documents
Culture Documents
28 February 2012
Agenda
Page 2
6.5
6.5 6.33
5.75-6.25
2.83
Jun-09 Jun-10 Dec-08 Dec-09 Jun-11 Dec-10
4.5-5.5
Dec-11 2012F
1,1%
2.8%
1.7%
1.4%
1%
27,7%
8.4%
31%
10%
32%
9%
32%
9%
33%
9%
130
135.0
10,000 8,000
60.6%
59%
57%
55%
54%
2008
2009
2011
Jun-09
Jun-10
Dec-08
Dec-09
Page 4
Dec-10
Jun-11
Despite slowing global economic growth, Indonesia s Trade balance will maintain a surplus
Indonesia Trade Balance (IDR Mio)
Export Import 204 158 177 136
14,871
in USD million
10,815
10,341
8,911 5,992
8,444
6,743
Page 5
4,573
2004
4,021
3,703
3,126
2,289
1,860
1,659
2005
2006
2007
2008
2009
2010
2011
2004
2005
2006
2007
2008
2009
2010
2011
Loan vs. Deposit Growth and NIM [%] YoY 21.4% 24.6% 19.1% 0.18% -0.39% 3.50% -1.13%
30.5 19.1 10.0 18.5 22.8 12.5 24.6 19.1 5.7 5.6 5.7 5.9
2008
2009
Loan Growth
2010
Deposit Growth NIM
2011
Banking Sector Highlights: Assets of Indonesias commercial bank grew by 21.4% (yoy) in 2011. NIM rose 20bps from 5,7% to 5,9% due to high demand for loan in 2011. The 24.6% growth on Bank Loan in 2011 is the highest over the last 3 years. CAR showed a declining trend and at its lowest level at about 16.1% NPL improved by 0,4% to 2,2%
Page 6
Direction
Strengthening Financial Foundation
BNI Rights Issue The Biggest in Indonesia (~Rp 10,2 T) Global Capital Market fall US Govt bailout Banks, FI, Insurance and GM
Focus on: Consumer & Retail Banking: to be lifetime Banking Partner Business Banking: focus on leading Industries
8 TARGETED SECTOR
BNI Des2008:
CAR: 14,3% Tier-1: 10,3% NPL: 5,0% Coverage: 101% LDR: 68,6% Loan: Rp 112 T
BNI Des2009:
CAR: 13,8% Tier-1: 10,2% NPL: 4,7% Coverage: 120% LDR: 64,1% Loan: Rp 121 T
BNI Des2010:
CAR: 18,6% Tier-1: 16,6% NPL: 4,3% Coverage:121% LDR: 70,2% Loan: Rp 136 T
Grew 12%
BNI Des2011:
Sector [Rp Trillion] Agriculture Communication Electricity Retailer and Wholesaler Oil, Gas and Mining Engineering and Construction Food and Beverage Chemicals
Des 2010 9.3 4.7 7.5 21.0 7.1 7.5 6.1 3.8
Des 2011 10.9 3,9 8.5 23,3 11.9 8.2 6.7 4.5
CAR: 17.6% Tier-1: 15,9% NPL: 3,6% Coverage: 121% LDR: 70,4% Loan: Rp 164 T
Grew 20%
Grew 8%
Page 7
2. 1.
Sharpening focus of the business portfolio segments especially in Business Banking and Consumer & Retail Banking
3.
Sustainable Financial Growth
6.
4. 5.
Improve customer experience
Page 8
Progress to Date
Bank Only Strategic Focus Initiatives
focus on corporate credit expansion in 8 leading sectors Focus expansion of medium and small segments on the leading sectors in each region Focus expansion of consumer segment in the HNI, Affluent Families and Middle Income Families. Optimizing value-chain business between Business Banking and Consumer & Retail Banking.
Result + + + +
Enhance loan process on separation between the functions of sales, risk, credit services and remedial & recovery Intensify the recovery and settlement of credit especially medium and small segments Improve the effectiveness of Remedial & Recovery units
+ + +
Encouraging the use of cash management services by increasing the types of transactional banking services offered Utilizing the existence of the branch network to increase sales of funding products by the sales force Speeding up the process of up selling and cross-selling to a captive customer bases Improving the relationship-based pricing and bundling solution
Total Deposit growth: 12% - 15% CASA Growth: 16% - 20% NIM : 5.5% - 6.0% ROA : above 2.0% ROE : above 20 %
Deposit growth : 18,8% CASA Growth : 28,5% NIM : 6.0% ROA : 2.9% ROE : 20%
+ + + + +
Page 9
Progress to Date
Strategic Focus Initiatives
Implementation of new business process that is more customer centric Centralized procurement activities Centralization of back office. Encouraging more customers to use low cost channel Optimizing the arrangement of outlets
Result + +
Building a strong and permanent Client Service Team Sharpening the accuracy and completeness of the customer database Increasing capability of front liner to achieve service excellence which oriented to customer centric model Developing a more effective contact center Strengthening Subsidiaries Capital Strategic Alliance/Joint Venture with strategic investor for Subsidiaries
Rank 5
Strenghtening BNI
Incorporated
Profit/Loss Subsidiaries M BNI Sya : Rp 66 M BNI Sec : Rp -72 M BNI Life : Rp 5 M BNI Multi : Rp 3 M
+ + +
Page 10
Target 2012
ROA : 2,9% - 3,1% ROE : 20% - 22%
Coverage ratio: 120% - 125% Gross NPL : 2,5% - 3,5% Recovery : Rp. 1,6 T 1,9 T
DPK Growth : 13%-15% CASA Growth : 14%-15% CASA Ratio to Total Third Party Funding : 60% - 65%
Page 12
Target 2012
Recurring Fee Growth : 8% - 10%
CIR
: 48% - 49%
Page 13
2008
201.741 22.642 10.243 34.655 111.994 163.164 4.100 1.269 8.617 15.431
2009
227.497 38.153 19.516 31.040 120.843 188.469 3.819 1.262 5.570 19.143
2010
248.581 38.385 13.229 32.556 136.357 194.375 3.326 1.277 5.623 33.120
2011
299.058 49.328 7.668 36.958 163.533 231.296 7.019 265 8.726 37.843
Y.o.Y
20% 29% -42% 14% 20% 19% 111% -79% 55% 14%
Total Assets Placement with other banks & BI Marketable Securities Government Bonds Loans (gross) Customer Deposits Deposits from other Banks Marketable Securities Issued Borrowings Shareholders Equity
[market value]
[market value]
Page 15
Loan Composition
Loan Composition (%, Rp bn)
Segment 2009 2010 2011
GROWTH [YoY - %] Composition [%]
87%
86%
84%
2008 IDR
2009 Non-IDR
2010
2011
11.9
11.0
Page 16
Loan diversifications
Loans by Economic Sector
Sectors
Manufacturing Trading, Resto & Hotel Agriculture Business Service Constructions Transportation & Comm Social Services Mining Electricity, Gas & Water Others Consumer TOTAL LOAN [Rp Bn]
2010
19.9% 17.4% 7.2% 9.3% 6.9% 6.9% 0.8% 5.4% 5.0% 3.6% 17.6% 136.357
Page 17
Marketable Securities
Marketable Securities Composition (%, Rp bn)
10.243
3.3% 12.9% 31.3%
19.516
2.0% 8.2% 29.3%
13.229
4.7% 20.7%
7.668
0.0% 11.9%
19%
Non-IDR IDR
44.7%
63.6%
52.5%
81%
2008
2009
2010
2011
2008
2011
Strategy Overseas Branches to switch their non Indonesia Soverign portfolio to Indonesian securities only. BI Certificate has declined. Effective 2011, BI stopped this instrument
Book [%]
AFS: Available For Sale HTM: Hold To Maturity
AFS 47%
HTM 32%
Trading 21%
Page 18
Government Bonds
Book (Rp bn)
7,024 8,029 7,018
Hold to Maturity
7,864
11,059
26,709
22,889
25,163
29,860
3,400
Trading
824
< 1 th 1 - 5 th 6 - 10 th 11 - 15 th
1,387
16 - 25 th
82 2008
121 2009
375 2010
74 2011
3%
9%
11%
97%
91%
51%
56%
89%
2008
2010
Variable Rate
2011
2008
2009
IDR
2010
Non-IDR
2011
Customer Deposit
By Type (Rp Bn)
163.164 188,469 194.375 231.296
84%
82%
2009 IDR
84%
87%
42%
2008
2010 Non-IDR
2011
36%
Time Deposit Saving Current Account
32% 26%
2008
31% 24%
2009
34% 28%
25%
2010
2011
CASA
58%
55%
59%
64%
2008
2009
2010
2011
CASA increased significant [YoY] Rp 32,8 Trillion or 29%, whereas CASA Ratio 64%
Page 20
2008
2009
2010
2011
2009
2010 13.3
2011
12.7
13.5
9.8 2008
2008
2009
2010
2011
Cfm SE no. BI/11/3/DPNP dated January 27, 2009, RWA calculation for operational risk based on basic indicator approach, the capital charges for operational risk calculation () increase from 10% in 2010 to 15% in 2011.
Page 21
2009 11.133 4.295 15.428 (7.991) 7.437 (4.051) 58 3.444 2.484 163
2010
11.721 7.061 18.782 (9.643) 9.138 (3.629) (24) 5.485 4.102 266
2011
13.196 7.601 20.799 (11.134) 9.665 (2.421) 219 7.461 5.808 312
Y.o.Y
13% 8% 11% 15% 6% -33% ~ 36% 42% 17%
Net Interest Income Non Interest Income Operating Income Operating Expense Pre-Provision Income Provisioning Non Operational Income/(Expense) Net Income before Tax Net Income Net Income Per Share (full amount)
Page 22
19.447
0.3% 2.9% 5.2%
20.692
1.4% 6.2% 2.8% 8.9%
6.716
0.8%
8.314
0.2%
7.117
0.2%
7.496
0.0%
3.3% 1.8%
4.7% 1.4%
16.3% 21.0%
94.6%
93.9%
68.6%
30%
60%
2008
Others Placement
2009
2010
2011
Govt Bonds Loan
2008
Others
2009
Borrowing
2010
Marketable Securities
2011
Deposits
Marketable Securities
Page 23
7.061
5.5%
7.601
7.8%
1,328 1,821
1,038 1,712
961
1,837
3,015
21.5%
23.9%
25.8%
22.5%
2,951
2011
Non Recurring Fee Recurring Fee
51.9%
Others 8%
34.9% 33.8%
2008
-4.0%
2009
2010
2011
Provision & Commissions Forex Gain Recovery of Written Off Assets Page 24
Operating Expense
Key highlights of OPEX compare to CIR Breakdown of OPEX [%]
Total = Rp 11,1 trillion
749 369 373 364 675 435 340 352 258 706 427 334 1,343 683 910
General & Administrative 31%
1,022 4,127
5,042
3,299
3,460
2,273
2,312
2,761
3,380
51.8
51.3 49.8
2008
Others Promotion Exp Personel Exp
2009
2010
2011
2008 2009 2010 2011
Page 25
2010
2011
Tier II CAR [2011 include operational risk] CAR (credit, market + operational risk) ASSET QUALITY Net Non Performing Loan Gross Non Performing Loan Allowance for possible loan losses to gross NPL
Page 26
2010
2.5 24.7 5.8 76.0 51.3 70.2 8.2 4.4
2011
2.9 20.0 6.0 72.6 49.8 70.4 8.7 2.2
RENTABILITY *) ROA ROE Net Interest Margin EFFICIENCY BOPO Cost to Income Ratio LIQUIDITY Loan to Deposit Ratio COMPLIANCE Statutory Reserve Requirement (Rupiah) Net Open Position
*)
84.9 51.8
76.0 51.3
64.1
70.2
5.5 7.6
8.2 4.4
Based on BI Formula
Page 27
Asset Quality
7.532 945
1.471 1.524
7.353 1.467
1.107 1.790
Consumer
2.371 Small 2.236
4,8%
Medium Corporate 4.913 4.596 3.592
4,4%
2.989
2005
2008
2009
2010
2011
Page 29
NPL BY COLLECTIBILITY
Rp Billion
5.596
4,96%
5.762
4,77%
5.686
5.704
4,28% 3,60%
3.278
3.895
790
609
1.528 2008
1.258 2009
1.508 2010
420
587 2011
Coll 4 ( Doubtful)
Coll 5 (Loss)
Page 30
NPL by Segment
11.9%
8.6%
8.2%
5,596
4.9% 3.8% 2.8% 1.3%
5,762
5,686
5,704
7.4%
2008
2009
2010
2011
NPL [Rp M]
Corporate
Medium
Small
Consumer
111.994 5,0%
120.843 4,8%
136.357 4,3%
163.533 3.6%
Page 31
Movement NPL
Bank Only
3,492
3,326
4,165
5,596
5,762
5,686
5,704
2008
2009
NPL [Rp Bn]
2010
Write Off Net New NPL
2011
Page 32
COVERAGE RATIO
120.1% 120.6% 120.8%
101.0%
2008 NPL [Rp Bn] CKPN Coverage Ratio 5,596 5,652 101.0%
Page 33
3,331
555
742
2008
2009
2010
2011
2008
Write-off (Rp billion) Recovery (Rp billion) Recovery vs Write Off [%] 4.246 555 13,1%
2009
3.331 742 22,3%
2010
4.449 2.179 49,0%
2011
3.025 2.176 71.9%
Page 34
Business Banking
Focus and Strategy
LOAN
Focus on 8 national & regional targeted industries
along with its top players. concept.
SERVICES
Ensuring capabilities of cash management
solution provider in corporate and commercial segments for maximum business potentials. (i.e. e-Tax, Intraday Facility).
Synergy between division in value & supply chain Accelerating loan proposal process.
New solutions triggered by client service needs New Financial Supply chain solutions as response
for corporate and commercial clients needs.
DEPOSIT
To drive our productivity by enhancing current
account ratio.
Enhancing services to Capital Market Area: Custodian and Trustee Services Payment Bank since July 2011 Fund Separation Enhancing our roles and capabilities as superior Improving the Client Experience by monitoring
and measuring their satisfaction continuously.
financial service provider in targeted sectors and deliver innovative solutions for B2C clients.
Page 36
Agriculture
Communication
Electricity
Engineering &Construction
F&B
Chemical
3-WPL
4-WBD
5-WSM
14-WJB
15-WJY
TOTAL
54,0%
72,1%
78,4%
63,9%
53,6%
57,0%
68,7%
68,6%
58,0%
67,1%
69,8%
69,4%
60,7%
46,0%
61,6%
Corporate Business
Working Capital & Investment Loan exc Loan Int [Rp Bn]
Working capital Investment
20,707 19,448 15,466 17,257 36,888 19,698 2008 2009 2010 2011
Constr. & Transp. 11,955 7,515 11,393
22,013
23,527
29,746
3,885
14,231
Powerplant
7,783
Telecommunication
14,441
Oil & Gas
Medium
Small
Total
10,370
10,592
116,255
5,679
29,854 28,806
15.2%
22.8%
19.3%
17.7%
57,595
22,030
2,589 5,503 13,938
2008
2009
2010
2011
Outstanding
Undisbursed Loan
Page 38
SME Business
Small Business [Rp Bn.]
Working Capital Investment
3,332 20,259
3,730 22,462
4,270
4,724 6,132 18,214 7,221 20,194 2009 6,367 18,004 2010 8,553 20,253 2011
25,356
25,130
2008
2009
2010
2011
2008
Page 39
Transactional Banking
Cash Management Clients & Transactions
Trx Items (000)
450
#clients
350
250
35,000
6,000
200
165
30,000 4,000
150
100
73
2,000
25,000
36,555
20,000
38,873 2010
44,435 2011
50
959
-
3,500
1,708
5,915
3,010
9,633
-
2009
2009
2010
2011
Key Initiatives
Asset Under Management (Rp Bn)
50,000
Cash Management Optimize full potential of targeted clients Differentiated Product Solution through Innovation Phased branch service model roll out Strengthen and replicate Client Experience Model to become Best in Class Achieving Country Cash Management Awards
Custody Increasing assets under custody (AUC) Improving custody services delivery platform Enhancing delivery capabilities and service quality levels Regulatory compliance
38,300 34,750
43,307
45,000 40,000
28,000
35,000 27,000
30,000
26,000
25,000
25,000
20,000
24,000 15,000
23,000 10,000
22,000
24,284
21,000
28,686 2010
28,964 2011
5,000
2009
loan through multi finance channeling and BWU Increase sales capacity and processing capacity. Growing toward more upper market segment.
SERVICES
New Wealth Management/Priority Banking: New and well trainined relationship managers Business assistant and Concierge services Diversify fee based income: Bancassurance Investment Others services
DEPOSIT
(current account and saving account/CASA). More aggressive penetration to private markets. Increasing E-Banking usage/transaction. Increasing value chain/bundling program.
Page 42
2010
2009 17% 1.43% 6.66% 4% 0.20% 5.15% 2010 46% 2.13% 8.58% 31% 0.19% 4.83%
2011
2011 50% 1.85% 9.90% 4% 0.07% 3.97%
Pembiayaan
2008
2009
2010
2011
Page 43
Grew Faster than Industry in All Key Business Indicators No of Card Issued
BNI (Mn) Share
15.0% 10.8% 11.1% 11.0% 10.6% 10.8% 11.2% 11.5% 11.8% 12.3%
5.63% 5.46% 5.44% 5.46% 5.46% 5.65% 5.85%
Card Usage
15.7% 16.2%
BNI (IDR T)
Share YTD
6.90%
6.97%
7.12%
7.30%
5.38%
1.41 1.46 1.50 1.54 1.60 1.69 1.77 1.88 2.01 2.13 2.27 2.40
Q1 '09 Q3' 09 Q1 '10 Q3' 10 Q1'11 Q3'11 Q411
1.87 2.00 2.16 1.97 2.04 2.16 2.49 2.85 2.96 3.18 3.46 3.74
Q1 '09 Q3' 09 Q1 '10 Q3' 10 Q1'11 Q3'11 Q411
No of Transaction
BNI (Mio) Share YTD 7.8% 7.9% 8.0% 8.0% 8.1% 8.0% 8.0% 8.1%
Receivables
BNI (IDR T) Share 8.0% 8.5% 8.9% 9.2%
9.6%
7.5% 7.6%
7.6% 6.9%
3.3
Q1 '09
3.4
3.7
Q3' 09
3.6
3.6
Q1 '10
3.9
4.2
Q3' 10
4.1
4.1
Q1'11
4.1
4.3
4.4
2.58 2.68 2.69 2.49 2.51 2.70 2.81 3.05 3.24 3.54 3.73 4.00
Q1 '09 Q3' 09 Q1 '10 Q3' 10 Q1'11 Q3'11 Q411
Q3'11 Q411
E-banking transactions
ATM Transactions
Volume (Rp Billions) Frequency (thousands)
389,953 305,307
286,292
2,171 2009
3,783 2011
Frequency (thousands)
3,694
141,061 2009
161,414 2010
284,404 2011
1,950 2,654
7,773 2009
10,393 2010
16,447 2011
Page 45
Average Balance Savings {Rp Bn] 72,180 52,620 58,250 2009 2010 2011 9,312
2009
2010
2011
Page 46
712
699
2009
2010
2011
2009
2010
2011
Premium
In Branch 7% Tele 10% AJK 9%
Performance BSK 74.2 %
Performance BSK
65.5%
Rp 1.290 Bn
BSK 74%
Performance BAN
17.0 %
Rp 122Bn
BSK 65% AJK 11%
Performance BAN
23.8%
Performance Crl
8.8%
Performance Crl
10.7%
Page 47
2010
2011
2010
2011
Bond 73%
Page 48
Outlets
546
40 %
1.364
818
60 %
396
48% 12%
325
40%
97
ATMs
2.136 34 %
6.227
4.091 66%
1.428 2.027
50% 34% 16%
636
Page 50
OUTLETs
106 (8%)
Outlets
ATMs
131 (2%)
ATMs
Where We Live
872 (64%)
Outlets
4.621 (74%)
ATMs
Where We Shop
OUTLET 2009 166 748 25 939 2010 167 878 18 1.063 2011 168 912 198 1.278
386 (28%)
Outlets
1.475 (24%)
ATMs
Where We Work
Excl. Overseas Offices, Region Offices, Payment Point, Mobile Banking, Cash Mobile and Functional Offices
Page 51
Treasury & FI
2
Pekanbaru (Des 2011)
8
Palembang (Des 2009)
6 3
Bandung (Nov 2009)
7
Semarang (Nov 2010)1 Surabaya (Jul 2004)
2010 TREASURY REGIONAL AREA VOLUME (USD) 1 2 3 4 5 6 7 MEDAN SURABAYA MAKASSAR BALIKPAPAN BANDUNG PALEMBANG SEMARANG 1,578,901,038 1,394,253,925 195,976,064 268,071,567 302,316,121 833,590,590 26,613,334 4,599,722,639 PROFIT (Rp. Jt) 4,737 4,183 1,960 3,217 3,023 3,334 319 20,773
2011 VOLUME (USD) PROFIT (Rp. Jt) 1,724,929,298 1,809,663,845 242,091,194 571,156,484 359,473,441 1,578,595,417 522,284,847 13,300,345 6,808,194,526 5,175 5,429 2,421 6,791 3,595 6,268 6,267 129 36,075
Marketable Securities
Marketable Securities (Rp bn)
9.874 19.198 13.181 7.668
86%
11,814
14%
2010
2008
SR
2009
TR
2010
2011
Total Portfolio
19.198
25% 29%
13.181
22% 33%
7.668
23% 38%
994
55%
47%
45%
39%
2008
TR
Page 54
2009
SR
2010
PR
2011
2008
2009
2010
2011
Government Bonds
Breakdown by portfolio (Rp bn)
34.655 31.040 32.556 34.223
7,864
8,029
7,018
7,024
Hold to Maturity
46%
52%
49%
45%
26,709
27,125
Trading
54%
48%
51%
55%
82 2008
2010
Variable Rate
2011
15.0%
10.0%
3,500
3,174
5.0%
2516
1845
2008
2009
2010
2011
Trade Finance
4 Trade Processing Centre (ISO 2001 : 2008) 33 Trade Marketing Representative Officers (MRO) in Business Central Area Web based Trade Application Services
[IDR Bio]
35%
143.7 106.2
125%
13,638
112.2
3%
6,876
157.2 162.4
28%
6,195
95.0
2009
2010
2011
2009
2011
Despite of US and Europe crisis, BNI Trade Finance succes to manage sustainable growth in volume and revenue, achieving 2 years in a row as Best Trade Finance Bank in Indonesia*
* Alpha South East Asia Investor Magazines
Page 56
Remittance Business
REMITTANCE PERFORMANCE
Remittance Volume ITR - OTR (USD Millions)
33.663 17.749 35.229
PERFORMANCE ANALYSIS
Remittance Fee based (IDR Milyar)
198.5
25.465 26.974
182.8 168.8
17.913
8,6%
2009
2010
ITR OTR
2011
2009
2010
2011
Incoming Transfer (ITR) Moratorium Programs has minimum impact to the Incoming Transfer Remittance (ITR) transaction. The volume of ITR increases almost 32,18% against 2010. In term of Item, ITR increases 7,8%. The extensive collection point, extensive cash out point (paying agents), flexible & competitive pricing, effective promotion & CSR programs, and friendly customer service are the reasons. Outgoing Transfer (OTR) The Outgoing Transfer (OTR) transactions is also increasing. The volume of OTR is increasing 30,60% against 2010 and in term of item, OTR increases 8,8% More aggressive in marketing, package product pricing, and maintain Service Level quality are the factors.
1,796,593
8,8%
7,8%
2009
2010
2009 2011
AWARDS
2010 2011
Best Remittance providers Iin Southeast Asia 2009,2010 AND 2011 From Alpha South East Asia Magazine.
Page 57
Overseas Branches
Overseas Branches Loan Portfolio
In USD 000
Loan Concentration
In USD 000
795,210 598,620
246,487 (31%)
1,620,701 1,455,099
297,946 (18%) 167,830 (10%) 359,715 (22%) SECURITIES PLACEMENT 598,620 (41%) 795,210 (49%) BILL REC LOAN
518,743
1,170,704
303,699 (26%)
208,171 (40%)
342,788 (57%)
33%
548,723 (69%)
Indonesia Related 229,001 (29%) Asia 139,292 (18%) US 86,252(11%) Europe 20,944(3%)
310,571 (60%)
255,832 (43%)
2009
4Q-2010
4Q-2010
4Q-2011
Securities Concentration
In USD 000 In USD 000
203,882 (67%)
250,845 (74%)
173,908 (42%)
ROI + Sukuk Bank & Corp. Indonesia Bank & Corp. Non Indonesia Priority Sovereign US Treasury Structured Products
124,037 (58%)
8,826
4Q-2011
Overseas Branches FBI as of Q4-2011 increased by 3.53% (YoY) in line with strategy to increase recurring fees.
4Q-2011
INDONESIAN RELATED
COMM. INCOME
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Financial Institutions
Bridging The World & Indonesia
Domestic Correspondent (Indonesia)
Domestic Correspondent Value Chain
Suppliers, distributors, consumers
International Correspondent
FI
BNI provides convenient access to the global market through the banks international network of 1577 correspondent banks in 82 countries including strategic partnership with various international institutions such as JBIC and Korean Ex-Im Bank to finance projects in Indonesia with Japan and Korean related components. To deal with the European crisis, BNI has set up traffic light policy on the correspondent banks limit. This policy is specifically designed to guide the business units in conducting their daily operations and take cautious action on the European exposure such as Greece, Portugal, and Ireland. Our key products vary from trade, loan, global payment, transactional banking and services to cater the Indonesia related businesses. Furthermore to provide a total solution to customer as a value chain creation BNI also quite active participating in oil & gas industry by providing bank guarantee based on counter guarantee issued by our correspondent banks with special pricing and flexible terms. To enhance yield, BNI is now active in the LC Refinancing & Risk Participations, and could act as buyer or seller
353,33% 3
10,6 12
16,4
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About BNI
Felia Salim
Vice President Director/CRO Since February 2008 Previously: Independent Commissioner of BNI, Deputy Chairman - IBRA, Director, Jakarta Stock Exchange
Krishna R Suparto
Managing Director Business Banking Since February 2008 Previously: President Director of Barclays Securities, MD of Bank Danamon
Darmadi Sutanto
Managing Director Consumer Banking Since May 2010 Previously: Director of Retail Banking RBS
Managing Director Compliance Since February 2008 Previously: Director, Banking Supervisory, Bank Indonesia
Chief Financial Officer Since February 2008 Previously: Commissioner of Bank Mandiri & BNI, CFO of BII, various executive positions in Astra, Asia Food & Properties, Tuban Petro Chemical, & ANTAM
Sutanto
Managing Director Enterprise Risk Management Since May 2010 Previously: GM Risk Management Division, GM Training Division
Suwoko Singoastro
Managing Director Operation & IT Since February 2008 Previously: EVP Network & Operation, GM of Network Distribution Division
Managing Director Network and Services Since May 2010 Previously: MD Permata Bank, MD Indofood, EVP Bank Mandiri
Adi Setianto
Managing Director Treasury and Financial Institutions Since May 2010 Previously: GM Institutional Funding, GM Bancassurance
Sutirta Budiman
Chief Business Risk Officer Since September 2010 Previously: Commissioner of BNI Securities, CFO of Aneka Kimia Raya
BNI has been further enhancing its management through key hires with strong industry experience
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Board of Commissioners
Peter B. Stok
President Commissioner (Independent) Since May 2009 Previously: Commissioner Bank Permata, President Director Bank Niaga, President Director Bank Dagang Negara
Tirta Hidayat
Vice President Commissioner Since May 2010 Previously: Lecturer from University of Indonesia, Economic Deputy at Vice President office
Commissioner (Independent) Since February 2008 Previously: Managing Director of BNI (Compliance and Human Resource)
Fero Poerbonegoro
Commissioner (Independent) Since February 2008 Previously Managing Director of BNI (Treasury & Private Banking) Managing Director of Bank BCA
Bagus Rumbogo
Commissioner Since May 2010 Currently: Advisor to the Ministry of State-Owned Enterprises
BS Kusmuljono
Commissioner (Independent) Since May 2010 Previously : Commissioner BRI, President Director of PT PNM
Ekoputro Adijayanto
Commissioner Since May 2010 Currently: Advisor for Ministry of State-Owned Enterprises Previously SVP Bank Mandiri
This transformation will only be made possible by our effective and experienced professionals
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Loan
BRI Mandiri BCA BNI CIMB Niaga Danamon Panin Permata BTN BII
Deposit
Mandiri BRI BCA BNI CIMB Niaga Danamon Panin BII Permata BTN
Compelling Brand Name 65 years history Network (over 1.369 outlets) including five overseas
branches Customer Base over 12 millions customers Stable and Strong Top Management team Strong ROE and ROA improvement trajectory
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Overseas offices Singapore (Nov 1955) Hong Kong (Apr1963) Tokyo (Sep 1969) London (1987) New York Agency (Apr 1971)
BNI has also entered into key arrangements with prominent companies for payment channeling, financing, loan distribution, and network/outlet development
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income Credit Card growth : > 20% Debit Card Transaction growth : > 20%
TAPLUS & Derivatives, [saving account] To balance CASA Non CASA composition Target growth 2012: > 15% BNI Griya [mortgage loan] with growth target in
Page 65
BNI ratings
2010 National long term rating Long term foreign & local currency Short term foreign & local currency Individual rating Subordinated debt Credit rating Long term issuer credit rating Subordinated rating Bank deposits fgn currency Bank deposits dom currency Bank Financial Strength Rating Outlook Corporate rating Bond 1 Subordinated AA+ (idn) BB+/Positive B C/D -BB-/Stable/B BB-Ba2 Baa3 DStable
idAA/Stable idAA/Stable --
Fitch Rating
Moody's
Pefindo
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BNI Shares
BBNI shares performance BBNI Public Ownerships [40.00%]
Individual Domestic 5% Cooperation 0% Foundation 0% Pension Fund 4% Insurance 6% Institution Domestic 10%
Other Institution 0%
YoY BNI Shares, decrease 1.9% from 30 Desember10 (3875) to 30 Desember11 (3800)
Issued shares 18.648.656.458 shares Price [30 Desember 2011] : Rp 3,800,Market Capitalization : Rp. 70,9 trillion [+/- US$ 7,8 billion] BBNI add to MSCI Index since November, 2009
Ownerships
Government RI Public Domestic Public - Foreign
%
60.00% 15.80% 24.20%
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Accolades
Anugerah BUMN 2011
2010 Vision Awards Indonesia CSR Award 2011 Social Investment &
Sustainable Development
Penghargaan Platinum Category Social [from Menko Kesra RI]
Category : Sustainable Bank of the year [from International Finance Corp & Financial times]
Rank 2 Category: General and BUMN Financial listed (from BI, Bapepam, IAI, Directorate of Tax, GCG Committee, Indonesia Stock Exchange) Perusahaan Penginspirasi Bumi, from Majalah Bisnis & CSR, The La Tofi School & CSR, DPD-RI) Berpredikat Sangat Bagus [from Majalah Infobank]
VISA Best Affinity Program 2011 from VISA International Social Media Award 2011 BNI Taplus Great Performing
Brand in Social Media, Category Saving Account from
Frontier Consulting Group, Majalah Marketing Marketing from Majalah Marketing
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Thank you
Disclaimer: This report has been prepared by PT Bank Negara Indonesia (Persero) Tbk (Bank BNI) independently and is circulated for the purpose of general information only, It is not intended to the specific person who may receive this report, The information in this report has been obtained from sources which we deem reliable, No warranty (expressed or implied) is made to the accuracy or completeness of the information, All opinions and estimations included in this report constitute our judgment as of this date and are subject to change without prior notice, We disclaim any responsibility or liability without prior notice of Bank BNI and/or their respective employees and/or agents whatsoever arising which may be brought against or suffered by any person as a result of acting in reliance upon the whole or any part of the contents of this report and neither Bank BNI and/or its affiliated companies and/or their respective employees and/or agents accepts liability for any errors, omissions, negligent or otherwise, in this report and any inaccuracy herein or omission here from which might otherwise arise,
PT Bank Negara Indonesia (Persero) Tbk Corporate Communications Division, Investor Relations Group BNI Building, 24th Floor Jl Jend Sudirman kav. 1 Jakarta 10220 T: 62-21-5728449 F: 62-21-5728053 E: investor.relations@bni.co.id