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

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

Dec 27, 2023 6 likes •210 views

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

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Asian Tour

PT Bank Commonwealth Presentation

Symon Brewis-Weston President Director Jakarta 6 March 2006

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International Financial Services

History of PT Bank Commonwealth (PTBC)

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

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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

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Focus on Family Services

Customer Profiles Customer Needs The Bank’s focus is to provide excellent customer service, delivered through an integrated service model

Family Life Cycle Family Related Businesses Student Services Professionals Retirees Wealth Creation Wealth Management Wealth Protection Australian Related Businesses

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Branches/ Outlets

Number of Branches

2 4 6 8 13 16

  • 3

6 9 12 15 18 2001 2002 2003 2004 2005 2006

*

* Note YTD only. Including outlets total 20

Number of Branches

2 4 6 8 13 16

  • 3

6 9 12 15 18 2001 2002 2003 2004 2005 2006

*

* Note YTD only. Including outlets total 20

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Deposits / Investments Growth

Deposits & Investments Growth

  • 1,000,000

2,000,000 3,000,000 4,000,000 5,000,000 6,000,000 2001 2002 2003 2004 2005

(In IDR mio)

Deposits Investments

Market Shares: Deposits (Nov 2005): 0.38% Investments (Dec 2005): 3.26%

Source: Bank Indonesia / Bapapem

Deposits & Investments Growth

  • 1,000,000

2,000,000 3,000,000 4,000,000 5,000,000 6,000,000 2001 2002 2003 2004 2005

(In IDR mio)

Deposits Investments Deposits Investments

Market Shares: Deposits (Nov 2005): 0.38% Investments (Dec 2005): 3.26%

Source: Bank Indonesia / Bapapem

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Lending Growth

Lending Book

  • 200,000

400,000 600,000 800,000 1,000,000 1,200,000 2001 2002 2003 2004 2005

Lending market share (Nov 2005): 2.60%

JV Banks only – Source Bank Indonesia

(In IDR mio)

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Customer Growth

Number of Customers

  • 30,000

60,000 90,000 120,000 2001 2002 2003 2004 2005

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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 Net Profit After Tax 2 1 CAR 18.1% 32.5% LDR 19.4% 9.5%

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Risk Profile

22.9% 18.5% 1.9% 29.0% 27.2% 0.4% 99% 1%

Credit Funding

Corporate Bonds (0.4%) Government Bonds (27.2%) BI Certificates (29.0%) SME (1.9%) Personal/Retail Customers (18.5%) Interbank Placement (22.9%) Wholesale (1%) Retail (99%)

22.9% 18.5% 1.9% 29.0% 27.2% 0.4% 99% 1%

Credit Funding

Corporate Bonds (0.4%) Government Bonds (27.2%) BI Certificates (29.0%) SME (1.9%) Personal/Retail Customers (18.5%) Interbank Placement (22.9%) Corporate Bonds (0.4%) Government Bonds (27.2%) BI Certificates (29.0%) SME (1.9%) Personal/Retail Customers (18.5%) Interbank Placement (22.9%) Wholesale (1%) Retail (99%) Wholesale (1%) Retail (99%)

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Core Products

Andriaan Laoh Director of Marketing and Strategy Jakarta 6 March 2006

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Personal Banking Services

Deposits:

AusStudent

CommWealth

Investments:

Structured Notes

Secured Forwards

Mutual Funds

BancAssurance

Loans:

Home Financing

Car Financing

Services:

ATM

Safe Deposit Box

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International Financial Services

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

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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

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Customer Service

Noersing Noeraini Chief of Sales and Service Jakarta 6 March 2006

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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

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Banking Platform

Preditha Dewi Director of Operations Jakarta 6 March 2006

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New Core Banking Platform

Bank Management

General services Messaging handling system Risk

Securities Loans

Clients Tariffs Accounting

Treasury

IRS FX options Loans and deposits Foreign Exchange Issued guarantees Fixed term advances Personal loans Mortgage & Investment Collateral management Files and credit lines

Payments

Customer cards mgt. Direct debits

  • Cust. cheques mgt.

Standing orders Remittances National transfers

Deposits

Interest calculations

  • Certif. of deposits

Time deposits Customer accounts

  • Phys. delivery
  • Ptf. views

Futures Stock options

  • Corp. actions

Orders Securities ID Securities accounting

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International Financial Services

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)

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Asian Tour

PT Bank Commonwealth Presentation

Jakarta 6 March 2006