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CORPORATE PRESENTATION
PT BANK BUKOPIN Tbk
Q1 2020
Ownership
92,78%
Ownership
97,03%
❑ Bank Bukopin (“The Company”) was established in 1970 and
became publicly listed after its IPO in 10 July 2006.
❑ 49 years of experiences in national banking industry that has
succeeded through various national and global economic
crises.
❑ Focus on Retail segment which consisted of MSME (Micro,
Small, Medium Enterprises, and Cooperatives) and Consumer.
A national private company with 6 focus business area:
Automotive, Cement, Mining and Energy, Financial Services,Real Estate, and Education, also run several other projects in
media, sports, and agriculture.
One of the largest banks in Asia that dominates mortgage
market share and digital banking in South Korea. Became thesecond largest shareholder after 27 July 2018.
Cooperative institution of employees and pension of
Indonesia Logistics Bureau, which is a government-ownedcompany which deals with food distribution and price control.
Government of the Republic of Indonesia, with managed by
the Ministry of State Owned Enterprises (“KBUMN”).
Shareholder Profile
Company Profile
Company Structure
Focus on retail segment and low RWA
products
Solid, professional & experienced
management
IT innovation based productRisk based culture Wide network and millions of customers
49 years of experienced in the retail
segmentBrand image Strategic partnership
Company Profile
Strength
Vision, Mission, and Corporate Culture
Vision
Mission
Corporate Culture
Integrity Competence Care Accountable Never Give Up
“To become the first choice of financial institution in Indonesia”
“Understanding and giving solutions to customer”
Sustainable Growth, Focus on Retail Segment, & Portfolio Quality
Retail Segment
Strengthening Retail Segment Focus on Low RWA Improve Asset Quality
Focus on Retail Segment Growth
❑Accelerate loan growth on
low RWA and consumer loan❑Focus on growth of MSME
segments through selected
business sector❑Triangle business model &
scheme-based financing
❑Focus on developing IT based
transactional services❑Improve loan quality through
process business refinements
and strengthening riskmanagement
❑Digitization and efficiency❑Prudent and optimal liquidity
management
❑Focusing growth in the Retail
Segment consisted of Micro,Small and Mediumenterprises, (MSMES)
Cooperatives, and Consumer.❑Growth focus on retail
customer deposit and CASAproduct
❑Maintain current position of
commercial segment
Our Strategy
Bank
End User 3rd Party3rd Party
“Direct to Debtor”3rd Party is only a part of the loan proposal and
analysis
❑ Side streaming is highly probable
❑ Rely on collateral based loan approval
End User 3rd Party
“Triangle Business Model”3rd Party is a part of loan agreement
Conventional Bukopin Way
❑ Certainty in utilization of loan funds
❑ Zero Side Streaming through Flexy Bill & Flexy Gas
❑ Certainty in sources of loan payment
❑ Mitigation of payment failure → Flexy Health &
Invoice Financing
❑ Improved CASA ratio via Margin Deposit
❑ Triangle Business model → cooperate with highly
reputable company which are State owned company
and company with minimum idAA- rating
Unique Value Proposition
PayrollActive, Pre-Pension
& Pension Loan Flexy BillFlexy Health Flexy GasMoney Market
LineFlexy Pay
Showroom
Financing
Commercial ConsumerMSME
Champion Products
FLEXY BILL
FLEXY HEALTH
FLEXY GAS FLEXY PAY
SHOWROOMFINANCING
PAYROLL BASEDLOANS
Performance Highlights
96,621 66,414 77,490
100,264 69,545 80,813
100,803 71,187 76,843
4.33% 7.19% -0.83%
TOTALASSET
TOTALFINANCING
TOTALDEPOSIT
BALANCESHEET
(IDR BILLION)
Mar-19
Dec-19
Mar-20
YoY
Performance Highlights
INCOMESTATEMENT
(IDR BILLION)
INTEREST INCOME
INTEREST EXPANSE
FEE BASED INCOME
OPERATING EXPANSE
1,921 1,435 195 603 55
7,764 5,750 784 2,801 217
2,015 1,432 282 725 54
4.86% -0.20% 44.77% 20.22% -2.05%
NETPROFIT
Mar-19
Dec-19
Mar-20
YoY
Loan Disbursement
Trend of Loan Disbursement
29.2 31.0 31.2
16.0 16.6 17.4
21.221.9 22.6
66.469.5 71.2
Mar-19 Dec-19 Mar-20
SME Consumer Commercial Total Loan
“Focus on loan growth which consistently geared towards
retail business, which the retail loan (SME & Consumer) grows 10% YoY“
468.9 687.2
4,221.4
Mar-19 Dec-19 Mar-20
Mar-19 Dec-19 Mar-20
Trend of “Loan Plus”
“Loan Plus” → Trade Finance, Flexy Bill, Flexy Health, Flexy Gas
and Invoice Financing
800%
45.2 47.6 48.6
Mar-19 Dec-19 Mar-20
Retail Loan 10%
Loan Composition*
17.46%
18.20%
17.74%
46.60%
COMPOSITION BY ECONOMIC SECTORCOMPOSITION BY SEGMENT
41.81% 42.40% 41.63%
23.81% 23.44% 24.18%
34.38% 34.16% 34.19%
Mar-19 Dec-19 Mar-20
SME
Trading
Service
Others
Construction
Consumer Commercial*Bank Only
Fee Based Income*
5033 37
52
18
170
130
173
271
97
34 29
98115
14
Credit Card Public Service Treasury Financial Service Others
Mar-19 Dec-19 Mar-20
SOURCES AND YOY GROWTH
(IDR BILLION)
Fee based income reached IDR 290 billion per March 2020.
Highest FBI growth : Treasuryand Financial Service(including bank guarantee and the new product, Flexy Series)
*Bank Only
Asset Quality*
49.73%
24.90%
25.37%33.38%
9.02%18.78%
38.82%
Other
ConstructionServices
TradingCommercial
SME
COMPOSITION OF NPL (March 2020)
Consumer
BY SEGMENT BY ECONOMIC SECTOR
COVERAGE RATIO & NPL
RATIO
51.71%
32.73%
48.26%
3.54% 4.45% 3.40%
Mar-19 Dec-19 Mar-20
Coverage Ratio NPL Ratio
*Bank Only
Pre-Pension and Pension Loan Grow Significantly*
❑Maintaining its position as the 6th largest pension payment of the state-owned pension fund of Police and TNI(ASABRI) with 20 thousand customer.
❑Maintaining its position as the 7th largest pension payment of the state-owned pension fund for civil servantspayment (TASPEN) with 92 thousand customer.
❑By 2019, Bukopin is the 5th largest payment bank with 112 thousand customer, our market share is about 3.7% in theindustry which contain 3 million pension customer registered
3.4 5.8
7.8
10.4 9.5
11.1 11.3
54
6879
92 93
111 112
3.0
4.0
5.0
6.0
7.0
8.0
9.0
10.0
11.0
12.0
13.0
20. 0
30. 0
40. 0
50. 0
60. 0
70. 0
80. 0
90. 0
100. 0
110. 0
Dec-14 Dec-15 Dec-16 Dec-17 Dec-18 Aug-19 Dec-19
Pension Loan (Rp Trillion) Debtors (Thousands)
*FY 2019
293 451
750
1,162 1,277
Dec-15 Dec-16 Dec-17 Dec-18 Dec-19
Car loan (Billion IDR)*
Synergy with Subsidiaries
Sales Joint Financing
Synergy, Simplification of the process, and Optimalization of the Margin
❑ Valuation by apps
❑ Collecting System
❑ SLA & Competitive Pricing
❑ 40 branches in Indonesia
Multipurpose Loan – Payroll Based
Employee
Payroll and Collecting Agent Cooperation
Monthly
Salary
Company
Showroom Financing
Liquidity Support
Car LoanEnd User
Working
Capital
Sales
Car Loan with Focus on Synergy with Subsidiaries
*FY 2019
Business Models of New SWAMITRA
Community and Members of KOPAS
Direct sales to
End Users
Partnership
Bad Loan
Collecting & Collateral
Agent Provides an active KOPAS
Member Database
Koperasi
Pasar (KOPAS)
Fee
Sharing
Installment payments
directly to the Bank
Performance
❑ Network : 446 Cooperatives with 511 Outlet
❑ End User : 58.581
❑ Total Loan : Rp1.431 Billion
❑ Fee Base Income : Rp18 Billion (FY 2019)
MSME: Cooperatives Business Model
Product Composition (%)
37.3 41.3 39.5
62.7 58.7 60.5
Mar-19 Dec-19 Mar-20
CASA Time Deposit
48.2 50.2 51
24.3 25.5 21.7
Mar-19 Dec-19 Mar-20
Retail Commercial
Segment Deposit Structure
Customer Deposit*
❑CASA grows 4,86% yoy
❑Focus on Customer Deposit retail segment, with 3.94% yoy growth
*Bank Only
70.10%
29.90%
Retail Commercial
National Govt. Budget
BO 1
BO 2
Finance Ministry
4 Syariah State Owned
Banks &
22 Local Govt. Banks
Local Gov.
BudgetSOE
State-Owned
Pension
Funds
Ministry
Offices
Govt.
Institutions
Strategic Partner : Government and SOE Partnership
❑ Founding father and market leader of electricity payment bill (PLN)
transactions through PPOB H2H. In 2018 Prepaid Transactions reached
31 Million transactions with a nominal value of Rp30 Trillion.
❑ Project financing both cash loans and LC / SKBDN
❑ Big bill PLN financing through Flexy Bill
❑ As a payment bank of membership contributions social security
❑ Become a strategic investment choice
❑ Collaborative financing of hospital bills to BPJS through Flexy Health
❑ Top 5 TASPEN and ASABRI Pension Payment Banks, with the second
highest growth among other competitor (CAGR: 21%).
❑ Managing pension payments of more than 92 thousand pensioners.
❑ Become a strategic investment choice
❑ Active in developing MSMEs by doing government program such as
KUR, JARING
❑ Appointed by the Ministry of Finance as Operational Bank 2 and
Perception Bank
❑ Appointed by the Ministry of Finance to provide online state deposit
(tax and non-tax) reception services that serve 138 thousand
transactions with a nominal value of IDR 4.3 trillion
❑ Become a strategic investment choice
Phone Banking
Bukopinet
More than 15.000 active users
Pay by QR > 400 merchants
Video Banking for CDD process
Wokee
>6.000 Transactions
IDR 3,7 Trillion
BCM
1 million transactions
IDR 721 Billion
SMS & Mobile Banking
37 million Transactions Prepayment PLN,
IDR 3,2 Trillion
Comprehensive E-Channel Solutions
Distribution Network
DISTRIBUTION
CHANNEL
43 BranchOffices
175 Sub-branch Offices
162 CashBranches
9Functional
Offices
836ATM’s
25 PaymentPoints
24/7 customer service
>100.000 payment outlets supported by partnership with E-commerce and other online business partners as the collecting agent H2H
Digital banking app, payment by QR code, available at > 3000 merchants
STRATEGIC PARTNERS
Shareholders Profile
23.40%
22.00%
5.26%8.92%
40.43%
Public
PT Bosowa Corporindo
KB KookminBank
KopelindoNKRI
Public Investor :
(Ownership < 5%)
PT Bosowa Corporindo
A national private company with several
business segments
KB Kookmin
One of the largest in South Korea and Asia
Negara RI
Government of the Republik of
Indonesia
Kopelindo
Cooperative institution of employees and
pension of Indonesia Logistics Bureau
PUBLIC INVESTORS(Ownership < 5%)
Institutional Investors 14.57%
Individual investors 20.77%
Cooperatives 4.04%
Mutual Fund 0.46%
Insurance 0.14%
Pension Fund 0.18%
Foundation 0.27%
1989 1993 2003 2006 2008 2009 20111970 2012 2013 2014
• Right Issue I• Spin-off Unit Syariah
Bussiness to
subsidiary SyariahBank
Issuance of Continuous Subordinated Bonds I Phase I 2012
Right IssueIII• Rights Issue II
• Increased ownership in Syariah bank to
77.57%
• Additional acquisition of shares of a subsidiary of Syariahbanks. Add up shares to
65.44%• Pay off Phase A Bonds, Phase B
Subordinated Bonds and Syariah Bonds
Series A bonds are issued.
Series B Subordinated
Bonds and Syariah
Mudharabah Bonds
• Change name• The first bond
issued
• Become a public company
through an IPO
• The acquisition of 24.73% shares
of one of the Syariah banks in
Indonesia• Acquisition of Multifinance
Company
Become a limited liability company
Established on July 10, 1970
2015
• PT Bosowa Corporindo become Controlling Shareholders
• Issuance of Continuous
Subordinated Bonds II Phase I 2015
• Increased ownership in Syariahbank to 89.07%
Increased ownership in sharia bank to
86.82%
2016
• Increased ownership in multi-finance subsidiaries to 96.06%.
• Increased ownership in syariahbank subsidiaries to 90.67%
• Issuance of Medium Term Notes I in 2016
• Issuance of Medium Term Notes I Phase B 2016
• Issuance of Phase II Sustainable Subordinated Bond II
2017• Increased ownership in
syariah bank subsidiaries to 91.86% multi-finance subsidiaries to 97.03%
2017 2018
Right IssueIV, KB
Kookmin as the second
largest shareholder
Milestone
2019
Issuance of first Asset-backed
Security (KIK
EBA)
September 4th
2020
Karya BudianaCommissioner -
Independent
SusiwijonoCommissioner
M. Subhan AksaCommissioner
Chang-su Choi**Commissioner
Ahmad Fuad*Commissioner -
Independent
Moch. Hadi Santoso*Commissioner -
Independent
Mustafa AbubakarPresident Commissioner -
Independent
Deddy S.A. KodirCommissioner
BOARD OF COMMISSIONERS
DIRECTORS
Adhi Brahmantya
Operations & IT Director
Hari WuriantoCompliance Director
Eko R. Gindo
President DirectorLalu Azhari
Business Director -Commercial
Rivan A. Purwantono
Business Director -Consumer
Heri Purwanto
Business Director - MSME
Jong-Hwan Han **Director
Geger N. Maulana*
Financial and Planning Director
*) Shall be effective as stipulation specified by the Bank after fulfilling all requirements governed by POJKNo.27/POJK.03/2016, No 37/POJK.03/2017 and/or other applicable laws and regulations.
**) Shall be effective as stipulation specified by the company after obtained approval for fit and proper by OJK
INVESTOR RELATIONS (HI-BBKP)
Address : Bank Bukopin Head Office, 1st Floor(Corporate Secretary Division)Jl.MT.Haryono Kav.50-51, Jakarta 12770
E-mail : investor.relations@bukopin.co.idPhone : (62-21) 7988266
Ext.1166,1118,1115Fax : (62-21) 7980625
IR Team :
Almira Sistya Nandini (IR Manager)Almira.nandini@bukopin.co.id, ext. 1166
M. Nino Nurhakim (IR Officer)muhammad.nurhakim@bukopin.co.id, ext. 1118
Candra Krisdianto (IR Officer)
candra.krisdianto@bukopin.co.id, ext. 1115
DisclaimerDisclaimer : This presentation material was prepared by PT Bank Bukopin Tbk (hereinafterreferred to as "Bank Bukopin" or "Company") independently and circulated for generalinformation purposes only. This is not intended for certain people who might receive thismaterial. No guarantee (expressed or implied) is made for the accuracy or completeness ofthe information. Some of the statements contained in this document contain theachievement of reports relating to financial conditions, business and business results, andrelated plans and objectives. This material does not directly or exclusively relate to facts inthe past. This material also does not directly or exclusively reflect both plans, expectations,assumptions and beliefs about events that will occur in the future of the Company. Thereare uncertainties, known and unknown risks from this report that can cause results,performance or events to differ materially from the original report. This is not just astatement, and must not be interpreted as a representation of the Company's futureperformance. Readers are advised to look at all the statements listed here carefully.
Thank You!
Terima Kasih
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