Nobu Bank

Public Expose
Nobu Bank 3Q14 Result
Transforming Lives
Aryaduta Hotel, December 12, 2014
Agenda
3rd Quarter 2014

Financial Performance

Business Activities

Plan & Strategies
2
Key Highlights
Business
The Bank’s Assets grew 26% (ytd), while Customers’ deposit grew 33,9% (ytd). Its Loan is catching
up its growth by 65,8% (ytd) still with 0% NPL. Its Capital remains secure or even stronger by the
non-preemptive rights new shares issuance on September while Net income grew 19% (yoy).
Network & Organization
The Bank currently has 77 offices which covers 38 cities in 26 provinces with total 642 human
capital.
Plan & Strategies
The Bank has got the foreign exchange license and about to start delivering foreign exchange
products soon. The Bank aims for “Full Payment Center” by enlarging penetration on retail and
corporate segments, both conventional and digital markets.
3
Continuous asset growth
Total Asset In IDR Mio.
61,9% yoy.
6,000,000
4,891,250
5,000,000
 Total assets grew 26,2% (ytd) or
61,9% (yoy).
 It consists of Loan, Cash and Short
Term Funds, and Marketable
Securities.
 The increase of asset involve
organic sales people in each of the
distribution network through variety
of marketing program and
collaboration with strategic
partners.
3,877,270
4,000,000
3,021,849
3,000,000
2,000,000
1,217,521
1,000,000
333,832
-
31-Dec-11
31-Dec-12
30-Sep-13
31-Dec-13
30-Sep-14
4
Customers’ Deposit grew strongly
Total Cust. Dep In IDR Mio.
4,000,000
3,630,468
85,5% yoy.
3,500,000
3,000,000
 Total customers’ deposit grew
33,9% (ytd) or 85,5% (yoy).
 It consists of 39,7% demand
deposit, 7,8% savings, and 52,5
term deposits.
 Products, services, as well as a
continuous marketing campaign
were developed to deeply
penetrate market with an efficient
budget, creating sustainable
growth with a favorable
composition.
2,712,184
2,500,000
1,957,097
2,000,000
1,500,000
951,504
1,000,000
500,000
200,137
-
31-Dec-11
31-Dec-12
30-Sep-13
31-Dec-13
30-Sep-14
5
Well balanced DPK composition
CASA Ratio In percent.
50% average.
100%
90%
80%
70%
47.38
47.53
43.96
52.62
52.47
56.04
31-Dec-12
30-Sep-13
52.47
62.42
60%
50%
40%
30%
20%
37.58
47.53
10%
0%
31-Dec-11
CASA
31-Dec-13
 CASA ratio is maintained well to
result a manageable cost of funds.
 A balanced composition was
resulted from a keen monitoring
and a mixture of interest rate policy
and marketing program.
 A comprehensive asset & Liabilities
Committee meeting is held monthly
to evaluate policies implemented
and to respond to any change in
the market or customer behavior.
30-Sep-14
Time Deposit
6
Solid loan quality
Total Loan In IDR Mio.
135,4% yoy.
2,500,000
2,045,501
 Total loan grew 65,8% (ytd) or
135,4% (yoy).
 The company implement a
cautious policies on the loan
process resulting a well maintained
zero NPL.
2,000,000
1,500,000
1,234,019
1,000,000
868,869
411,606
500,000
161,314
-
31-Dec-11
31-Dec-12
30-Sep-13
31-Dec-13
30-Sep-14
7
A sound income gradual growth
Net Income In IDR Mio.
9,000
8,224
19% yoy.
8,000
6,910
7,000
 Net Income grew 19% (yoy).
 Income is derived from both
interest and non interest income.
 Competitive loan rate and excess
fund management are the key to
yield a better income.
6,000
5,000
4,000
3,000
2,000
1,969
2,178
1,000
-
9M2011
9M2012
9M2013
9M2014
8
Nobu Bank is everywhere
Offices In unit.
90
77
80
70
 The 77 offices is currently serving
38 cities in 26 provinces.
 It consists of :
 1 Regional Office
 35 Branch Offices
 37 Cash Offices
 3 Payment Points.
 1 Central Back Office
 Currently most of them cover
capital cities in each province,
under the coordination of Sales
and Distribution Division.
65
60
60
50
38
40
30
20
12 offices.
14
10
0
31-Dec-11
31-Dec-12
30-Sep-13
31-Dec-13
30-Sep-14
9
Mostly categorized as working capital loan
Category In percent.
100%
9.66
90%
11.84
9.01
21.82
22.97
80%
70%
3.62
6.70
44.24
36.71
 The company focus on providing
loan facilities for working capital.
34.36
60%
50%
40%
74.56
70.33
30%
20%
46.10
51.45
56.64
10%
0%
Dec-11
Consumer
Dec-12
Sep-13
Investment
Dec-13
Sep-14
Working Capital
10
Wholesaler & retailer, manufacturing, and financing dominate the sector
Sector In percent.
100%
90%
80%
15.13
16.66
8.31
14.24
5.14
3.38
9.24
7.42
4.72
70%
13.17
5.57
10.99
16.27
60%
50%
17.31
42.75
4.37
10.00
16.63
Others
Contructions
 Majority sector is wholesaler &
retailer, manufacturing, and
financing, and the rest is others.
Real Estate, Rental,
Services
23.98
40%
11.55
34.00
28.70
33.45
Financing
Manufacturing
30%
Wholesaler & Retailer
20%
30.43
36.95
20.84
10%
30.06
28.75
Dec-13
Sep-14
0%
Dec-11
Dec-12
Sep-13
11
Robust Earning Structure
Income In IDR Mio.
140,000
123,748
120,000
112,972
100,000
80,000
60,000
 Operating income grew 139,7%
yoy.
 Net Operating Income grew 27,1%
yoy.
51,630
43,151
40,000
20,000
10,786
9,136
1,650
19,402
17,871
8,479
1,531
10,776
0
9M2011
Operating Income
9M2012
9M2013
Operating Expenses
9M2014
Net Operating Income
12
Income Statements
 Improving Net Income through times.
Descriptions
Net Interest Income
Non Interest Income
Operating Income
Operating Expenses
Net Operating Income
Non Operating Income (Expenses)
– Net
Net Income before Tax
Income Tax Benefit (Expenses)
Net Income
9M 2014
115,840
7,908
123,748
(112,972)
10,776
9M 2013
46,475
5,155
51,630
(43,151)
8,479
YoY
149.3%
53.4%
139.7%
161.8%
27.1%
Q3 2014
39,790
3,805
43,595
(38,988)
4,607
Q2 2014
38,224
2,108
40,332
(37,324)
3,008
QoQ
4.1%
80.5%
8.1%
4.5%
53.2%
(56)
1
-5700.0%
(19)
(18)
0.0%
10,720
(2,496)
8,224
8,480
(1,570)
6,910
26.4%
59.0%
19.0%
4,588
(1,291)
3,297
2,990
(555)
2,435
53.4%
132.6%
35.4%
13
Financial Position
 Strong Equity, categorized as BUKU 2, heading to Foreign Exchange Bank, more offices, and wider
business range.
Descriptions
30-Sep-14
31-Dec-13
Ytd
30-Sep-13
YoY
Cash & Short Term Funds
1,399,197
1,052,513
32.9%
909,448
53.9%
Marketable Securities
1,244,209
1,528,169
-18.6%
1,182,663
5.2%
Loans to Third Parties
2,045,501
1,234,019
65.8%
868,869
135.4%
202,343
62,569
223.4%
60,869
232.4%
Total Assets
4,891,250
3,877,270
26.2%
3,021,849
61.9%
Current Account
1,442,557
1,227,345
17.5%
875,113
64.8%
Saving Account
283,010
292,683
-3.3%
151,739
86.5%
Deposit Account
1,904,901
1,192,156
59.8%
930,245
104.8%
Total Customer Deposit
3,630,468
2,712,184
33.9%
1,957,097
85.5%
Other Liabilities
112,144
156,673
-28.4%
62,264
80.1%
Total Liabilities
3,742,612
2,868,857
30.5%
2,019,361
85.3%
Total Equity
1,148,638
1,008,413
13.9%
1,002,488
14.6%
Total Liabilities and Equities
4,891,250
3,877,270
26.2%
3,021,849
61.9%
Fixed Assets & Other Asset
14
Key Ratios
 CAR remains strong, with a challenging LDR.
Key Ratio
Financial Ratios
CAR
Non Productive Asset to Total Productive Asset
Allowance on Productive Asset
NPL gross
NPL - net
ROA
ROE
Net Interest Margin (NIM)
BOPO
Loan to Deposit Ratio (LDR)
CASA Ratio
Compliance Ratios
a. Percentage of Legal Lending Limit Violation
b. Percentage of Legal Lending Limit Exceeded
c. IDR Statutory Reserves
30-Sep-14
30-Jun-14
31-Mar-14
31-Dec-13
30-Sep-13
53.35
0.00
0.23
0.00
0.00
0.32
1.01
3.82
96.16
56.62
47.53
55.05
0.00
0.23
0.00
0.00
0.28
0.93
3.87
96.48
56.59
45.62
65.86
0.00
0.19
0.00
0.00
0.30
0.94
3.96
96.01
47.19
50.16
87.49
0.00
0.17
0.00
0.00
0.78
1.85
3.22
88.30
45.72
56.04
106.25
0.00
0.25
0.00
0.00
0.52
1.31
2.92
91.43
44.61
52.47
0.00
0.00
10.06
0.00
0.00
10.49
0.00
0.00
10.93
0.00
0.00
11.38
0.00
0.00
10.69
15
Business Activities







Strengthening capital structure through private placement (PMTHMETD) on September 2014, an even
more solid position at BUKU 2 by having IDR. 1,2 T.
Reaching 77 offices in 38 cities or in 26 provinces, larger coverage and deeper penetration.
Number of customers’ accounts reached 39.294 or grew 147% YoY.
Heading to full E-Channel services :
o ATM connection to ATM Bersama & Prima, with more than 90.000 ATMs.
o Nobu Debit
o Nobu Internet Banking,
o Nobu E-Money,
o Nobu Direct,
Services
o Nobu Virtual Account
o Nobu Payroll
Joint marketing activities and campaign with Lippo Homes, Hypermart, Siloam Hospital, Lippo Malls,
Aryaduta Hotel and more.
On going preparation to run foreign exchange activities next year.
16
Present Coverage
Medan
Binjai
Pekan Baru
Gorontalo
Batam
Manado
Samarinda
Padang
Pontianak
Balikpapan
Jambi
Pangkal Pinang
Palembang
Bengkulu
Banjarmasin
Kendari
Lampung
Ambon
Makasar
Jabodetabek
Bandung
Kudus
Semarang
Kediri
Solo
Gresik
Yogya
Malang
Surabaya
Sidoarjo
Denpasar
Mataram
Kupang
77 offices serving 38 cities in 26 Provinces.
17
NOBU Price
NOBU & IDX closing price.
1000
6,000.00
900
5,000.00
800
700
4,000.00
600
500
3,000.00
400
2,000.00
300
200
1,000.00
100
0
5/20/2013
7/20/2013
9/20/2013
11/20/2013
Open
1/20/2014
High
Low
Stock History
 Listed in the Jakarta Stock Exchange on May 20, 2013. Offering
52% shares to public at IDR 375, raising more than IDR 800 Bn
capital.
 September 3, 2014 issuing non-pre-emptive right additional
shares raising more than IDR 130Bn to strengthen capital
structure as BUKU 2 bank category.
3/20/2014
Close
5/20/2014
7/20/2014
9/20/2014
JKSE (RHS)
Since May 20, 2013 – October 31, 2014
 Open
450
 High
875
 Low
500
 Close
800
18
Product & Services
Brief descriptions
19
Consumer Loan
 Actively collaborating with offices and apartments developers especially in providing competitive rated
ownership loans.
20
Nobu Savings
 Variety marketing
programs continuously
held, locally or nationwide
to enlarge market
penetration.
21
Nobu Debit
 Nobu Debit is currently applicable on Prima BCA EDC machines.
22
Nobu e-Money
 Currently Nobu E-Money is applied at Pelita Harapan
University and further will be applied at more places soon.
23
Nobu Bank
Corporate Info
Company Milestone
2014
2013
2012
2010
2008
1990
Established on
February 13,
1990 as non
foreign exchange
bank.
The company
changed the
name to become
PT Bank
Nationalnobu.
DR. Mochtar
Riady took over
the company
through PT KBN
as majority and
controlling
shareholder. The
company had 5
Offices.
 The
company
had 38
offices.
 Linked with
ATM
Bersama.
 Listed in
Jakarta
Stock
Exchange.
 Connected to
ATM Prima
Network.
 Added 22
offices.
 Issuing nonpreemptive
shares to
strengthen
capital
structure.
25
Shareholders Structure
As of Sep 30, 2014 In percent.
23.19%
38.58%
20.15%
3.91%
4.89%
9.28%
PT KHARISMA BUANA NUSANTARA
PRIMA CAKRAWALA SENTOSA, PT
NIO YANTONY
PT LIPPO GENERAL INSURANCE TBK
PT PUTERA MULIA INDONESIA
PUBLIC
 Majority and controlling
shareholder is Bp. Mochtar riady
through PT Kharisma Buana
Nusantara.
 Majority shareholder have a strong
commitment towards the growth of
the company.
 Currently 38,56% held by public
both local and foreign investors.
26
Brief Corporate Profile
 The bank was established in 1990
 Reorganized and repositioned for nationwide banking in 2011 and DR
Mochtar Riady, Indonesia most senior banker and his associates, became
majority and controlling shareholder.
 The distinguished HE Prof Dr Adrianus Mooy (1988 – 1993 Bank Indonesia
Governor) become Chairman of the Board.
 Professional and experienced bankers were appointed to the Board and
Management.
 In May 2013 listed in the Indonesia Stock Exchange.
 Growing & Transforming : to become a national and full services banking
group
Vision
To become a global standard bank which deliver positive contribution to the
economy and banking industry and to value customer trust and satisfaction.
Board of Commissioners
President Commissioner / Independent
Independent Commissioner
Commissioner
: Prof. Dr. Adrianus Mooy
: Hadiah Herawatie, SH, LLM
: Markus Permadi
Board of Directors
President Director
Director
Director
Director
: Suhaimin Djohan
: Januar Angkawidjaja
: Hendra Kurniawan
: Lim Migi Trisnadi Elias
Missions
 Running its role as a bank by focusing services to small and medium
enterprises in supporting national economy and to assist them in enhancing
competitiveness and competence in the globalization era.
 Delivering excellent services to customers run by professional human
resources who conduct a good corporate governance
Corporate Values
 Trust & Integrity
 Stewardship
 Transformation
27
Accolades
2011
2012
2012
2012
“Very Good” Rating for
the Bank for Financial
Performance in 2010 Infobank Awards 2011,
from Infobank
Magazine
“Very Good” Rating for
the Bank for Financial
Performance in 2011 Infobank Awards 2012,
from Infobank
Magazine
Ranked 1st, The Best
Bank 2012 in Corporate
Communication, Indonesia
Banks Award 2012, from
Perbanas Institute &
Business Review.
Ranked 3rd, The Best
Bank 2012 in Good
Corporate Governance,
Indonesia Banks Award
2012, from Perbanas
Institute & Business
Review.
2013
Ranked 3rdt, The Best
Bank 2012 in Marketing,
Indonesia Banks Award
2012, from Perbanas
Institute & Economic
Review.
2014
Best Bank
Non Foreign Exchange Bank,
Bisnis Indonesia Award
28
Core Competencies
Majority of BOC are independent.
BOD consist of independent
professionals.
Committees actively assist BOC
supervision.




 Trust & Integrity
 Stewardship
 Transformation
Good Corporate
Governance
Corporate Values
Synergy Model
Market & Business
Pillars
Creating mutual benefit through
strategic partners in providing
payment systems and account
management.






Full Nationwide banking.
Full payment banking.
Offering TMT connectivity.
Full integrated value chain banking & financial services.
Banker to Indonesia fast growing mid income affluent.
Fostering entrepreneurship industry.
29
Brief Business Line
Loan
Deposit
E-Channel
Payment
Working Capital
NOBU Giro
NOBU ATM
NOBU Virtual Acc.
Investment
NOBU Savings
ATM Bersama & Prima
Payroll Service
Consumer
NOBU Junior
NOBU E-Money
MFTS
NOBU Payroll
NOBU Int. Banking
Cash Management
NOBU Saving Plus
NOBU Direct
NOBU Saving Plan
NOBU Debit
NOBU Deposits
NOBU Corp. Int. Banking
Supply Chain
NOBU Mobile
*on going
30
Electronic Channels
ATM
1. Connected with
ATM Bersama
& ATM Prima
2. Cash Withdrawal
via > 90.000 ATM
3. Transfer
4. Bill Payment
BILL PAYMENT
INTERNET BANKING
1. Inquiries.
2. Transfer:
Inhouse / SKN /
RTGS / Real Time /
Scheduler
3. Bill Payments
CORP. INT. BANKING
1. Inquiries
2. On Progress:
• Cash Management
• Supply Chain
Management
• MFTS
VIRTUAL ACCOUNT
31
Corporate Activities
Corporate Social Responsibility
Together with Titian Kasih Foundation holding a free health care day at Tangerang
Training & Development
Training and development held in regular basis to produce well prepared human capital to fulfill the need of personnel in each distribution network.
32
Disclaimer
This presentation has been prepared by PT Bank Nationalnobu Tbk (“The Company”) and is
circulated for the purpose of general information only. It is not intended for any specific person or
purpose and does not constitute a recommendation regarding the securities of NOBU. 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. The Company disclaims any responsibility or liability whatsoever arising which
may be brought against or suffered by any person as a result of reliance upon the whole or any part
of the contents of this presentation and does not accepts any liabilities for any errors, omissions,
negligent or otherwise, in this presentation and any inaccuracy herein or omission here from which
might otherwise arise.
33
Contact us :
PT Bank Nationalnobu Tbk
Nobu Center, The Plaza Semanggi
Granadha Business District. UG & 9th Floor
Jl. Jend. Sudirman Kav. 50 Jakarta 12930
Phone. 021-25535128
Fax. 021-25535130
Email : [email protected]
Thank you

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