Continuously and Sustainably Achieving Growth Section
Corporate Presentation Full Year 2009 PT Bank Negara Indonesia (Persero) Tbk PT Bank Negara Indonesia (Persero) Tbk
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,
Page Page 0 0
Agenda Management Focus & Progress to date ; 2009 Strategic Policy l ; Summary Results Financial Performance ; Income Statement, ; Balance Sheet, ; Financial Ratio Business Units Risk Profile Strategic Policy 2010 BNI in brief
17-Feb-10
Page 1
Board of Commisioners Á Achil Ridwan Djayadiningrat Commissioner Since February 2008 Previously: Managing Director of BNI ( (Compliance and Human Resource) l )
Á Achjar Iljas Commissioner C i i (Independent) Since January 2004 Previously: Deputy Governor of Bank Indonesia
Á H,M,S Latif
Á Peter B, Stok
Á Parikesit Suprapto Commissioner Since May 2007 Currently Deputy Minister for Banking, Financial Services and Construction Sector, Ministry of SOE
President Commissioner (Independent) Since 27 May 2009 Previously: Commissioner Bank P Permata, President Director t P id t Di t Bank Niaga, President Director Bank Dagang Negara
Commissioner Since May 2005 Previously President President Director of PT Bank Syariah Ikhwanul Ummah
Á Fero Poerbonegoro
Á Suwarsono Vice President Commissioner (Independent) Since July 2005 Previously: Commissioner to PT Bank Kesejahteraan Ekonomi
Commissioner Since February 2008 Previously Managing Director of BNI [Treasury & Private Banking] Managing Director of Bank BCA
Page 2
Board of Directors Á Achmad Baiquni
Á Ahdi Jumhari Luddin
Á Krishna R Suparto
Managing Director (SME & Sharia) Since Dec 2003 P i l MD f C Previously: MD of Corporate t Banking,, MD of Consumer Banking,
Managing Director (Compliance) Since February 2008 Previously: Director, Banking Supervisory, Bank Indonesia
Managing Director (Corporate) Since February 2008 P i l P id t Di t Previously: President Director of Barclays Securities, Managing Director of Bank Danamon
Á Bien Subiantoro
Á Gatot M, Suwondo
Managing Director (Intl, &Treasury) Since Dec 2003 Previously: MD of SME & Sharia Business, MD of Risk Mgt, G Group Head of Overseas H d fO Network Bank Mandiri
President Director/ CEO, Since February 2008 Previously: Vice President Director of BNI Managing Director of BNI, Managing Director of Bank Danamon,
Á Yap Tjay Soen Managing Director / CFO Since February 2008 Previously: Commissioner of Bank Mandiri & BNI, Director‐CFO Director CFO of BII, various of BII, various executive positions in Astra, Asia Food & Properties, Tuban Petro Chemical, & ANTAM
Á Suwoko Singoasto g
Á Felia Salim, Felia Salim,
Á Darwin Suzandi
Managing Director (Operation) Since February 2008 Previously: EVP Network & Operation, GM of Network Distribution Division
Vice President Director & CRO Since February 2008 Previously: Independent Commissioner of BNI, Deputy Chairman ‐ IBRA, Director, Jakarta Stock Exchange
Managing Director (Consumer) Since February 2008 Previously: GM of Network Distribution, GM of HR Division
Page 3
BNI Shares BBNI Latest Movement 2,500
V l Volume
200,000,000
P i Price 2,125
2,000
BBNI Public Ownerships [23.64%]
1,980
KOPERASI 0.0%
180,000,000 1,930
FOUNDATION 0.7%
INDIVIDUAL DOMESTIC 14.7%
160,000,000
PENSION FUND 5.6%
140,000,000 1,500
INSTITUTION FOREIGN 37.4% 37 4%
120,000,000 100,000,000
1,000
80,000,000 60,000,000
500 680
40,000,000
INDIVIDUAL FOREIGN 0.1%
MUTUAL FUND 11.6%
20,000,000 Dec-08 Feb-09 Mar-09 Apr-09 Jun-09 Jul-09 Aug-09 Sep-09 Oct-09 Dec-09 Jan-10
-
Up 212% from 31 December 08 (680) Up 212% from 31 December ‘08 (680) to 30 Dec (1980) w w w w
INSURANCE 14.8%
Issued shares 15,273,940,510 shares Price [Dec 30, 2009] : Rp 1.980,‐ M k t C it li ti Market Capitalization : Rp, 30.2 trillion [+/‐ R 30 2 t illi [ / US$ 3.3 billion] US$ 3 3 billi ] BBNI add to MSCI Index since November, 2009
As of Jan 31, 2010
INSTITUTION DOMESTIC 14.9%
CUSTODIAN BANK 0.1%
OTHER INSTITUTIONS 0.0%
Ownerships
%
Government RI
76.36%
Public – Domestic
14.96%
Public - Foreign
8.68% %
Page 4
Management Focus & Progress to date Section
Page 5
2009 STRATEGIC POLICY 1. Focus on Asset Quality 2. Low‐cost Funding
7. Spin Off and/or Joint Venture Initiative Venture Initiative
6. Strengthen Tier‐1 Capital
5. Improve Profitability 5. Improve Profitability
Strengthening Financial Financial Foundation
3. Increase Fee 3. Increase Fee‐Based Based Income
4. Improve Efficiency
Page 6
Summary Result FY 2009 1. Asset Quality
NPL 4,7%, Coverage 120%, Recovery Rp 893 billion
2. Low Cost Fund
CASA grew 10%
3. Fee Income
Fee Income Rp 4,3 Trillion
4. Efficiency y
Cost to Income Ratio 51.8%
5. Tier-1 Capital
Tier-1 : 10,2%, CAR : 13,7%
6. Profitability
NIM 6,0%, Net Income Rp 2,484 Bn, ROA 1,7% ROE: 16,4%
7. Spin Off / JV
Shareholder approved Spin off Sharia on Oct 2009.
+ + + + + + + Page 7
Summary Result FY‐2009 9 FY 2009 result indicate — Strengthening Financial Foundation has been
DONE
9 2010 Outlook 9 EEconomic growth projected to be i th j t d t b 5,5% – 5 5% 6,0% with Inflation Rate around 5,0% – 6 0% ith I fl ti R t d 5 0% 5,5%. 5 5% Meanwhile the exchange rate could be maintained around Rp 9.300‐Rp9.600. 9 On the banking sector the Interest Rate projected to be 6,5% – 7,0%, At this level the g Banks NIMs will be narrowed 5%‐6% with the loan growth around 15%‐20%.
Sustainable Financial Growth
Page 8
Financial Performance FY ‐‐ 2009 FY
II. II. III.
17-Feb-10
Profit & Loss Profit & Loss Balance Sheet Financial Ratio
Page 9
Balance Sheet Highlight
[ Rp Billions ]
Total Assets
2008
2009
1H‐2009
Y.o.Y
201,741
203.619
227.497
13%
9,351
7,360
8.531
‐9%
22,642
18,474
29.622
31%
9,874
13,048
19.198
94%
111,994
119,862
120.843
8%
34 655 34,655
36 094 36,094
31 040 31.040
‐10% 10%
163,164
167,225
188.469
16%
Deposits from other Banks
4,100
3,658
3.819
‐7%
Marketable Securities Issued
1,269
1,445
1.262
‐1%
Borrowings
8,617
5,257
5.570
‐35%
‐
‐
‐
na
15,431
17,500
19.143
24%
Current Account with BI Placement with other banks & BI Marketable Securities [market value] Loans (gross) Government Bonds [market value] Government Bonds Customer Deposits
Subordinated Debt Subordinated Debt Equity
Page 10
Loan Composition IDR vs Foreign Currency loans (%)
Loan Composition (%, Rp bn) 111,994 ,
Syariah International
3% 6% 15%
119,862 ,
120,843 ,
3% 5%
3% 4%
15%
15%
Consumer
Small & Medium
Corporate
20%
16%
13%
80%
84%
87%
2008
1H2009
2009
Average Yield on IDR Loan FY 2009 (%)
43%
43%
44%
33%
35%
34%
2008
1H2009
2009
Page 11
Non IDR
IDR
Loan diversifications
Loans by Economic Sector [FY‐2009] Sectors
2008
Consumer Loan Composition [FY-2009] 2009
Manufacturing
26%
23%
Trading, Resto & Hotel
19%
20%
Agriculture
5%
7%
11%
11%
Constructions
5%
5%
Transportation & Comm
6%
7%
Social Services
1%
1%
Mining
3%
3%
Electricity, Gas & Water
6%
6%
18%
17%
111,994
120,843
Business Service
Others TOTAL LOAN [Rp Bn]
Mortgage / Housing loan 44% Auto A 26%
Others 11%
Credit cards 13%
Cash collateral Unsecured loan credit Multi‐purpose 2% 2% 2%
Total Consumer Loan FY 2009: Rp 18.5 Tn
Page 12
Government Bonds Fixed vs, floating rate
Portfolio Management
(Rp bn – market value)
34,655
16,082
46%
31.040
15,960
44%
16,090
52% Fixed Rate
IInterest Income from Govt, bonds vs % from total t tI f G t b d %f t t l interest income 4,000
18 573 18,573
20,133
56%
17%
3,000
14,949
54%
22%
48%
2,000 1,000
11%
[Rp billion]
Floating Rate
36,094
-
2008
1H2009
2009
2008
1H2009
2009
Page 13
Customer Deposit By Currencies
By Type (Rp Bn) 167,225
188.469 Foreign Currency 18%
Time Deposit
45% 42%
46%
32%
31%
31%
26%
23%
24%
2008
1H2009
2009
CASA 58% 54%
55%
Saving Current Account
Local Currency 82%
Blended Cost of Fund FY 2009 (%)
Customer deposit increased 10% (yoy) with CASA at 55% Page 14
Profit & Loss
[ Rp Billions ]
1H‐2009
2008
•[accumulated]
2009
Y.o.Y
Net Interest Income
9,912
5.595
11.133
12%
Fee Income
3,549
2,102
4.295
21%
‐ Recuring Fee ‐‐ Non Recurring Fee
3,692 (143)
1,914 188
3.871 424
5%
Operating Income
13,461
7,697
15.428
15%
O Operating Expense ti E
(7 228) (7,228)
(3 559) (3,559)
(7 991) (7.991)
11%
58
57
58
0%
6,291
4,195
7.495
19%
(4,359)
(2,588)
(4.051)
‐7%
Net Income before Tax
1,932
1,607
3.444
78%
Net Income Net Income
1 222 1,222
1 200 1,200
2 484 2.484
103%
80
79
163
104%
Net Non Operating Income Pre‐Provision Income Provisioning
Net Income per share [full amount]
Page 15
Interest Income Composition Growth of interest income [Rp Bn] 16,509
10.008
Amort ized Fee on Loan MS
525 994
SBI 3%
19.268
568
Governme nt Bonds 16%
1,032
3,174 490
3,500 G t Govt
Breakdown of interest income [%]
Loan 72%
723 269 444 1,957 349
SBI
Marketable Securities 5% Amortized Fee on others Loan 1% 3%
13,887
10,767 6,946
Loan
2008
1H2009
Total = Rp 19,3 trillion
2009
Page 16
Non Interest Income Key highlights of non‐interest income (Rp Bn) Non‐interest income as % of total operating income
Non Interest Inccome
Gain from Marketable M Securities
424 28%
Breakdown of recurring fee income (FY‐2009) Total = Rp 3.87 trillion p
Insurance premium 26%
Foreign exchange gains i 7% Others 9%
27% 188
Fees and commissions 53%
26%
3,692 (143)
1,914
3,871
2008
1H2009
2009
Recurring Fee Income is targeted to cover ope a g e pe se operating expense
Page 17
Operating Expense Key highlights of OPEX compare to CIR Cost to Income Ratio
Breakdown of OPEX [%] Total = Rp 7 9 trillion Total = Rp 7.9 trillion
Personnel Expense 43%
53.5% 51.8%
46.2%
Promotion Expense 5%
O O P E X [Rp Bn n]
General & Administrative 30%
Others 6%
7,228
3,559
7,991
2008
1H2009
2009
Guarantee Premium 4%
Underwriting U de t g Insurance 13%
Page 18
Financial Ratios [%]
2008
1H2009
2009
Shareholders equity to total assets
7.6
8.6
8.4
Tier I – CAR
9.8
10.8
10.2
Tier II – CAR
4.0
3.9
3.9
13 5 13.5
14 3 14.3
13 7 13.7
Net Non Performing Loan Net Non Performing Loan
17 1.7
12 1.2
08 0.8
Gross Non Performing Loan
5.0
5.5
4.7
101 0 101.0
118 5 118.5
120 1 120.1
CAPITAL
CAR [after adjustment for credit & market risk] CAR [ ft dj t tf dit & k t i k] ASSET QUALITY
Allowance for possible loan losses to gross NPL Allowance for possible loan losses to gross NPL
Page 19
Financial Ratios [%] 2008
1H2009
2009
ROA
1.1
1.6
1.7
ROE
9.0
16.1
16.4
Net Interest Margin
6.3
6.1
6.0
BOPO
90.2
86.9
84.9
Cost to Income Ratio
53.7
46.2
51.8
68.6
71.0
64.1
Statuary Reserve Requirement (Rupiah)
6.7
5.0
5.5
Net Open Position
7.6
6.4
7.6
RENTABILITY
EFFICIENCY
LIQUIDITY Loan to Deposit Ratio COMPLIANCE
Page 20
…income from our business units increased sustainably… Section
Page 21
Subsidiaries Business BNI Life Insurance 9 BNI BNI Life offer various insurance product, life, health, Life offer various insurance product life health education and investment product. 9 BNI Life Investment product grewi37,2% in 2009. 9 BNI life offer Six investment product: 1. Blife Future Plan 2. Blife Optima Saving 3. Blife Link Excellent
4. Blife Multilink 5. Blife Multilink Excellent 6. Blife InvestLink Syariah
BNI Securities
9 esmart is a BNI Securities proprietary software enabling customer to trade share listed on the Jakarta Stock Exchange from their own personal computer
Brokerage Activities in BNIS
Page 22
Consumer & Credit Card Business Mortgage Loan [Balance Rp. Bn]
Auto Loan [Balance Rp.Bn] Rp Bn]
Credit Cards
Page 23
International Business Remittances [US$ million]
BNI Branch @ Hong Kong
Trade Finance Volume [US$ million]
Page 24
SME Business BNI Wirausaha [Rp. Bn]
S Small Business [Rp Bn.]
Medium Business [Rp. Bn]
Page 25
Sharia Business Total Asset [Rp Trillion]
% 4.814
2006
2007
2008
2009
ROA
1.1
0.9
0.9
‐3.6
ROE
5.1
6.4
11.3
‐17.2
Net Margin
6.4
4.5
5.0
5.6
CIR
79.7
78.1
51.6
47.9
CAR
25.5
16.0
9.4
28.8
4.012
2.547 1.469
2006
2007
2008
2009
NPF & Financing Loss Reserve [Rp Billion]
Financing & Deposits [Rp Billion] 4.206
Financing
136
Deposit 3.132 3.173
1.801
3.265
102 77 64
1.800
1.133 1.125
2006
47% 2007
Financing Loss Reserve [excluding collateral] Non Performing Financing
2008
2009
2008
132% 2009 Page 26
Dampak Bisnis atas diterapkannya PPn Murabahah Rp. Miliar Komposisi Pembiayaan yang Diberikan Bank Umum Syariah dan Unit Usaha Syariah Akad 2005 2006 2007 2008 2009 Mudharabah 3,124 2,335 4,406 7,411 10,412 Musyarakah 1,898 4,062 5,578 6,205 6,597 Murabahah 9,487 12,624 16,553 22,486 26,321 Salam Istishna 282 337 351 369 423 Ijarah 316 836 516 765 1,305 Qardh 125 250 540 959 1,829 Multijasa Total 15,232 20,444 27,944 38,195 46,887
9 Pertumbuhan pembiayaan perbankan syariah mencapai rata‐rata 44% pertahuan (CAGR 2005‐ 2008),dengan porsi pembiayaan murabahah sebesar 57% dari total portofolio
9 Pembiayaan murabahah masuk dalam kategori jasa perbankan yang oleh UU No. 18/2000 Pasal 4A ayat (3) jo. Pasal 5 huruf d dan Pasal 8 huruf a Peraturan Pemerintah Nomor 144 Tahun 2000 tentang Jenis Barang dan Jasa yang Tidak Dikenakan Pajak Pertambahan Nilai
9 Margin yang diperoleh dari pembiayaan murabahah umumnya berkisar pada tingkat 5‐6%, maka apabila dikenakan pajak PPN sebesar 10%, 9 Undang‐Undang Nomor 42/2009 mengenai PPN, dapat dipastikan seluruh perbankan syariah dapat dipastikan seluruh perbankan syariah PPN murabahah sejatinya sudah dihapuskan dan PPN murabahah sejatinya sudah dihapuskan dan tidak akan feasible merupakan penegasan dari UU sebelumnya Page 27
Corporate Business Working Capital & Investment Loan {Rp Bn]
Custody, Trustee, and Agency
Cash Management Initiatives (# of Clients)
Syndicated Loan [Rp Bn]
SMBB Online Simpul Online Bulk Clearing MT101 MT940 Notional Pooling PDC Auto Debet E-Ticketing E Ticketing Cash Pick up Service Payroll Bulk Payment Online Collection Tax Payment Auto Sweeping Host to Host St d t Payment Student P t Center C t Virtual Account New E-Banking
1 2 2 1 3 3 1 1 1 5 3 1 2 2 3 2 10 10 23 0
5
10
15
Page 28
20
25
Section
Loan Quality
Page 29
Loan Collectibility 5.5
: NPL % 0 7% 0.7%
Loss
2.9%
Sub Sub Standard
3.2%
3.5%
Doubtfull
0.5%
0 9% 0.9%
1.4%
1.0%
1.1%
4.9 8.6%
Special Mention
8.2%
8.0%
4.7
Pass
Loans (Rp bn) oa s ( p b )
86.4%
86.3%
87.3%
2008
1H2009
2009
111,994
119,862
120.843
Page 30
NPL by Segment
9.5% 8.2%
8.6% 5.8%
5.2%
5.8% 4.7%
3.9%
4.4% 4 4% 3.8% 2.8%
4 2% 4.2%
3.6% 5,596
6,668
2008 NPL [Rp Bn]
2.4% 5,762
1H2009 Corporate
Middle
1.3%
2009 Small
Consumer
Sharia
Page 31
Coverage Non‐performing loans [Rp Bn]
LLR/NPLs NPL ratio LLR
LLR/NPL Ratio
5.5%
118.5%
120.1%
4.9% 4 7% 4.7%
101 0% 101.0%
Loss
3,278
4,194
Doubtful
790
1,147
Substandard
1 528 1,528
1 328 1,328
1 258 1,258
5 652 5,652
7 882 7,882
6 920 6,920
2008
1H2009
2009
2008
1H2009
2009
3,895 609
Coverage Ratio [LLR/NPL] increased from 101% to 120% Page 32
Asset Recovery Write off & Recovery 4,500
9 Write offs tapering off. W it ff t i ff
4,246 2008
4,000
Rp 3.3 T (2009) vs Rp 4.3 T (2008)
2009
3,331
3,500
9 Loan recovery increased by 19,1% amounted Rp. 893 billion.
3 000 3,000 2,500 2,000
9 Proceeds from recovery was add to provision
1,500 1,000
893
750
500 0 Write Off
Recovery
2008
2009
Write‐off (Rp billion)
4.246
3.331
Recovery (Rp billion)
750
893
% (21,5%) 19,1%
Page 33
Section
Risk Profile
Page 34
Progress on Risk Profile 2008 – 2009 INHERENT RISK RISK TYPE Score 1. CREDIT ‐ LOAN ‐ TREASURY & INVESTMENT 2. MARKET 3. LIQUIDITY 4. OPERATIONAL 5. LEGAL 6. REPUTATION 7. STRATEGIC 8. COMPLIANCE RISK PREDICATE
77.46 77.97 77.48 59.24 44.78 51.77 90.83 71.61 71.65 77.87 66.78
2008 Composite Low Moderate Moderate Moderate Low Low Low Low Moderate
Score
58.95 81.05 59.63 67.34 49.15 75.89 93.93 79.45 75.36 81.55 69.70
2009 Composite Moderate Moderate Moderate Low Low Low Low Low Moderate
Score
66.32
63.78 67.15 66.33 69.20 73.76 70.50 76.27 68.22
RISK CONTROL SYSTEM 2008 2009 Composite Composite Score Acceptable Acceptable Acceptable Acceptable Acceptable Strong Strong Strong Acceptable
67.77
66.32 72.40 66.67 71.83 76.22 78.30 76.73 70.83
Acceptable Acceptable Strong Acceptable Strong Strong Strong Strong Strong
RISK COMPOSITE 2008
2009
Low
Moderate
Moderate Moderate Moderate Moderate to Low Moderate Low Low Low Low Low Low Low Low Low Moderate Moderate to Low
9 After Adjustment of risk weighted and scoring system
Page 35
Section
Strategic Policy 2010
Page 36
STRATEGIC POLICY 2010
1. Deepening the Quality of Asset
5. Strengthen Capital 5 Strengthen Capital Structure
2. 2. Aggressive on Low Cost Aggressive on Low Cost Funding
Sustainable Financial Growth G o t
3 I l tC t 3. Implement Customer Centric Operating Model to structurally Improve y y Productivity and Efficiency
4. Accelerate the Value‐Chain Business to strengthen BNI Incorporated
Page 37
Section
BNI in brief
Page 38
BNI has a long track record in the Indonesian banking sector Asset
1946: BNI Established
2000: 1996 Post‐recap, The First state‐owned First state owned Government Owned G t O d bank, to “go 99,1% of BNI public”
Loan
Deposit
2007: Secondary Offering, +/‐ US$ 445 445mn new Tier‐1 Ti 1 capital
Indonesia Independence (17 A (17 August 1945} t 1945}
9 Strong Brand Name Strong Brand Name – 63 years History 63 years History 9 Network (+/‐ 1000 Branches) including Five Overseas Branches
9 Customer Base Customer Base – (+/‐ (+/ 10 millions customers) 10 millions customers)
The most extensive distribution platform in Indonesia¹
The 4th largest h hl commercial bank by asset size
One of the One of the largest credit card issuer in Indonesia
S Source: Bank Indonesia, SPI Des 2009 B kI d i SPI D 2009
Page 39
Network & Distribution BNI’s multiple touch points for individual and corporate customers Mobile banking
ATMs ( (3,933) )
Call Center Call Center
Branches ( (1063) )
Consumer loan centers loan centers (12)
Small business centers (51)
Overseas offices Singapore (Nov 1955) Hong Kong (Apr1963) T k (S 1969) Tokyo (Sep 1969) London (1987) New York Agency (Apr 1971)
Indonesia (1058 branches)
Individual customer highlights
Medium business centers (20)
BNI has also entered into BNI has also entered into key arrangements with prominent companies for payment channeling, financing, loan distribution, and network/outlet development
Corporate/SME customer highlights
3 9,8mn deposit accounts
3 27.200 corporate deposit accounts
3 1,6 mm credit cards
3 812 corporate borrowers
3 82.600 mortgage customers
3 69.500 SME lending accounts
Platform for efficient and effective cross-selling of products and services Page 40
Offering leading products… Key asset and liability products
Product Focus 2010
Credit Cards (Visa & Mastercard) Credit Cards (Visa & Mastercard) Launched in October 1997 Balance: Rp, 2,3 trillion # Applications: 35,000/month # of cards holder: 1,6 millions
TAPLUS (Savings Product) Launched in 1989 Balance: Rp, 50,0 trillion # Applications: 20,000/month # of accounts: 10,5 million
BNI Wirausaha (Commercial) Launched in August 2005 Balance: Rp 2,58 trillion # Applications: 1,000/month # of member: 13 407 # of member: 13,407
BNI Griya (Housing Loan)
z TAPLUS, [saving account] o To balance CASA – Non CASA
composition o Target growth 2010: 12‐14% Target growth 2010: 12 14% z BNI Griya [housing loan] with growth
target in 2010 over 20% z BNI Wirausaha [loan product for Small
Business] with growth target 20% z Remittance, more extensive acquisition Remittance, more extensive acquisition
through our overseas branches with target growth 100%
Launched in 2005 Balance: Rp, 6,5 trillions # Applications: 3,000/month # Applications: 3,000/month # of accounts: 72,226 Source: Company reports, data for credit cards in‐force in Indonesia based on recent available information
Page 41
BNI ratings
Fitch Rating
Standard & Poor's
National long term rating N ti ll t ti Long term foreign & local currency Short term foreign & local currency Individual rating S b di t d d bt Subordinated debt Credit rating Senior unsecured rating Subordinated rating Subordinated rating
Moody's
Long term subordinated debt rating Deposit rating Bank Financial Strength Rating g g Outlook
Pefindo
Corporate rating Bond 1 Subordinated
2008
2009
AA‐ (id) AA BB/stable B D ‐‐
AA (id) AA (id) BB/stable B D ‐‐
BB‐/Stable/B BB‐ ‐‐
BB‐/Stable/B BB‐ ‐‐
Ba2 B1 D‐ Stable
Ba3 B1 D‐ Stable
idAA‐/Stable
idAA‐/Stable
idAA‐/Stable
idAA‐/Stable
‐‐
‐‐
Page 42
Accolades2 9 Best Corporate Governance from Euromoneyy Magazine g Leading international magazine Euromoney has named PT Bank Negara Indonesia (Persero) Tbk as winner of the overall best of corporate ggovernance award in Indonesia of the Euromoneyy ‘Best Managed and g Governed Companies ‐Asia poll 2010 . The poll is based on replies received from a total of 221 of the leading equity analysts at the largest investment banks and research houses in the Asia Pacific region. Analysts were asked to name which companies were the most Analysts were asked to name which companies were the most impressive across a number of factors including; management accessibility, accounting transparency and corporate governance procedures amongst others. Analysts praised BNI for its leading role in promoting transparent communication to investors, citing that “the bank h has a clear strategy and good visibility”. Analysts also noted that “BNI’s l t t d d i ibilit ” A l t l t d th t “BNI’ senior management is open to all questions and requests from investors and analysts regarding the bank’s performance and external relations are properly maintained, especially with regards to the fulfillment of the bank.
Page 43
Accolades 9 Best Remittances Provider of the Year in Southeast Asia from Alpha South East Asia Magazine Unlike most corporate and commercial banks and/or retail banks in the p g , Indonesian archipelago, BNI is without a doubt the most committed bank in this space with a track record to match. Processing millions of remittances a year, BNI has over the years develop an unrivalled understanding of the needs of foreign migrant workers at both end of the chain that is, the high income earning Indonesian professional engineers, architects, bankers, doctors white collar professionals to low earning blue collar workers and doctors, white collar professionals to low earning blue collar workers and domestic workers. To that end, BNI has established a Remittance Call Centre, open seven days a week for inquiry and complaint handling. As a source to billions of rupiah in fee‐based income, the business of servicing the financial needs of breaking technology solutions like Thin Client Smart Remittance (available to US‐based customers) and I‐Banking Smart Remittance (available to customers in Japan), BNI has leveraged on its overseas presence through its foreign branches in the best possible way over the years foreign branches in the best possible way over the years.
Page 44
Accolades 9 Green Leadership Award & Community Engagement Award Award from Asia Responsible Entrepreneurship Award BNI awarded Green Leadership Award & Community Engagement Award from Asia Responsible Entrepreneurship Award (AREA) for its achievement in doing sustainability business. Green Leadership Award is given to corporate that believes in the larger responsibility for recognizing the impact of running their business to the environment and seeks to reduce and reverse the impact. Community Engagement Award is given to businesses that are committed to the betterment of the community that they are operate in. The Community Engagement Award was given to BNI for its Kampoeng The Community Engagement Award was given to BNI for its Kampoeng BNI and Green Leadership Award was partly because the company can show its commitment toward green bank and sustainable development.
Page 45
Accolades 9 Annual Report Award Rank 2 Category: BUMN Financial listed (from BI, Bapepam, Directorate of Tax, and GCG Committee)
9 2009 Spotlight Award, Print, Video & Web Communications Competition Category: Gold Award in development of Annual Report 2008 [F [From League of Americans Communications Professionals] L fA i C i ti P f i l]
9 GCG Award 2009 Category: Best Individual Indicators Equitable Treatment of Shareholders [from GCG “Seminar‐ Award‐2009”]
9 The Most Expansive Funding & Financing Category: 1st Rank for BNI Syariah [from: Karim Business Consulting]
9 Green Property Award 2009 Category: Bank yang Peduli Category: Bank yang Peduli terhadap Pengembangan Perumahan Ramah Lingkungan Ramah Lingkungan [from [from Housing Estate]
9 Top Brand Award Category : Credit Card in Recognition of Outstanding Achievement in Building the Top Brand [f [from Frontier & Marketing magazine] F i &M k i i ]
Page 46
Thank you PT Bank Negara Indonesia (Persero) Tbk Corporate Communication Division, Investor Relations Group BNI Building, 24th Floor Jl Jend Sudirman kav, 1 Jakarta 10220 T 62 21 5728868 T: 62‐21‐5728868 F: 62‐21‐5728053 E:
[email protected]
Page 47