Asian Tour PT Bank Commonwealth Presentation Symon Brewis-Weston - PowerPoint PPT Presentation

Asian Tour PT Bank Commonwealth Presentation Symon Brewis-Weston President Director Jakarta 6 March 2006

History of PT Bank Commonwealth (PTBC) 1997 CBA enters 50/50 joint venture with Bank International Indonesia Jul 2000 CBA achieves majority ownership - launches PT Bank Commonwealth Sep 2000 PT Bank Commonwealth commences operations Nov 2000 Launches first mutual fund (Dana Premium Money Market Fund) Dec 2000 Second branch office opened CommInvest “Investment Supermarket” launched Jun 2002 Jan 2003 Surabaya branch office opened - network grows to 6 branches Oct 2004 Stage 1 of new retail banking system (CORINA) rolled out Nov 2004 Manga Dua Cash Office opened PT Bank Commonwealth’s ATMs accessible to CBA customers Jun 2005 Sep 2005 Milestone of 100,000 customers reached 16 th branch office opened Jan 2006 International Financial Services 2

Vision “To be respected as the best financial services provider of choice in its chosen market.” Target Market: mass affluent Indonesian families and their businesses and Australian related companies International Financial Services 3

Focus on Family Services The Bank’s focus is to provide excellent customer service, delivered through an integrated service model Family Life Cycle Family Australian Customer Student Related Related Professionals Retirees Services Profiles Businesses Businesses Customer Wealth Wealth Wealth Creation Needs Management Protection International Financial Services 4

Branches/ Outlets Number of Branches Number of Branches 18 18 * * 16 16 15 15 13 13 12 12 8 8 9 9 6 6 6 6 4 4 2 2 3 3 - - 2001 2001 2002 2002 2003 2003 2004 2004 2005 2005 2006 2006 * Note YTD only. Including outlets total 20 * Note YTD only. Including outlets total 20 International Financial Services 5

Deposits / Investments Growth Deposits & Investments Growth Deposits & Investments Growth (In IDR mio) (In IDR mio) 6,000,000 6,000,000 Market Shares: Market Shares: 5,000,000 5,000,000 Deposits (Nov 2005): Deposits (Nov 2005): 0.38% 0.38% Investments (Dec 2005): 3.26% Investments (Dec 2005): 3.26% 4,000,000 4,000,000 Source: Bank Indonesia / Bapapem Source: Bank Indonesia / Bapapem 3,000,000 3,000,000 2,000,000 2,000,000 1,000,000 1,000,000 - - 2001 2001 2002 2002 2003 2003 2004 2004 2005 2005 Deposits Deposits Deposits Investments Investments Investments International Financial Services 6

Lending Growth Lending Book (In IDR mio) 1,200,000 Lending market share (Nov 2005): 2.60% JV Banks only – Source Bank Indonesia 1,000,000 800,000 600,000 400,000 200,000 - 2001 2002 2003 2004 2005 International Financial Services 7

Customer Growth Number of Customers 120,000 90,000 60,000 30,000 - 2001 2002 2003 2004 2005 International Financial Services 8

Financials AUDm 2005 (Unaudited) 2004 Balance Sheet Total Assets 835 363 Risk Weighted Assets (Bank Indonesia) 199 72 Customer Deposits 781 333 Total Loans 153 32 Shareholders’ Equity 36 23 Profit and Loss Net Interest Income 12 8 Other Banking Income 12 6 Provisioning (excluding I/Bank) 1 0 Net Profit After Tax 2 1 CAR 18.1% 32.5% LDR 19.4% 9.5% International Financial Services 9

Risk Profile Credit Credit Funding Funding 0.4% 0.4% 1% 1% 22.9% 22.9% 27.2% 27.2% 18.5% 18.5% 29.0% 29.0% 1.9% 1.9% 99% 99% Corporate Bonds (0.4%) Corporate Bonds (0.4%) Corporate Bonds (0.4%) Wholesale (1%) Wholesale (1%) Wholesale (1%) Government Bonds (27.2%) Government Bonds (27.2%) Government Bonds (27.2%) Retail (99%) Retail (99%) Retail (99%) BI Certificates (29.0%) BI Certificates (29.0%) BI Certificates (29.0%) SME (1.9%) SME (1.9%) SME (1.9%) Personal/Retail Customers (18.5%) Personal/Retail Customers (18.5%) Personal/Retail Customers (18.5%) Interbank Placement (22.9%) Interbank Placement (22.9%) Interbank Placement (22.9%) International Financial Services 10

Core Products Andriaan Laoh Director of Marketing and Strategy Jakarta 6 March 2006 International Financial Services 11

Personal Banking Services Deposits:  AusStudent  CommWealth  Investments:  Structured Notes  Secured Forwards  Mutual Funds  BancAssurance  Loans:  Home Financing  Car Financing  Services:  ATM  Safe Deposit Box  International Financial Services 12

Business and Structured Products Loans:  Overdrafts  Short term demand loans  Medium term instalment loans  Guarantees:  Bid bond  Payment bond  Performance bond  Transactional:  Payroll  Domestic remittances  International remittances  Clean and documentary collections  International Financial Services 13

Treasury Products Foreign Exchange:  Spot  Forward  Forward Linked Deposit  Currency Linked Deposit  Dual Currency Deposit: plain vanilla, knock in  Double No Touch Deposit  Money Market  Time Deposit  SBI Link (Primary and Secondary)  SBI Premium  International Financial Services 14

Customer Service Noersing Noeraini Chief of Sales and Service Jakarta 6 March 2006 International Financial Services 15

Service Focus / Leverage Optimisation of business activities with customers  FINAP - know customer needs  Tag-On and Cross Selling  Provide Convenience and Satisfaction  Continuous Evaluation  Measurement  Refreshment training  Periodic customer surveys (internal & external)  High quality people  265 front line staff  Strong sales focus  Well educated  International Financial Services 16

Banking Platform Preditha Dewi Director of Operations Jakarta 6 March 2006 International Financial Services 17

New Core Banking Platform Payments Securities Loans Orders Mortgage & National transfers Collateral management Securities accounting Investment Files and credit lines Corp. actions Remittances Securities ID Personal Standing orders Stock options loans Cust. cheques mgt. Futures Fixed term advances Direct debits Ptf. views Issued Customer cards mgt. Phys. delivery guarantees Treasury Deposits Bank Management Foreign Exchange Customer accounts General services Clients Tariffs Accounting Loans and deposits Time deposits Risk FX options Certif. of deposits Messaging handling system IRS Interest calculations International Financial Services 18

CORINA Key Capabilities 24 x 7  Integrated and Real time  Straight Through Processing  Multi company – Multi Currency – Multi Lingual  Functional flexibility  User friendly  Single Platform – Multi Business  Customer Centric - Modular, Parameterize, Flexible  Open Framework  Performance : Scalable, Robust  Inherent security  Consistency of processing  Wealth of Interface (SWIFT, ATM, Payment, Rates)  International Financial Services 19

Asian Tour PT Bank Commonwealth Presentation Jakarta 6 March 2006