Highlights of March 31, 2018 and Financial Performance · Awards & Appreciations Received during 2016 - 2017 Received before 2016. In the past 10 years, Bank Victoria has consistently

Highlights of March 31, 2018and

Financial Performance

www.victoriabank.co.idwww.victoriabank.co.id

Since its establishment in 1992, PT Bank Victoria International Tbk has been growing significantly and has beenactively carrying out corporate actions to increase its added value to the Company…

Milestones

• 105 Office Network business in JABODETABEK, Bandung, Surabaya, Manado & Bali

• Starting operation as a public bank with foreign exchange license

• Publishing PUB BVIC Bonds I amounting to Rp 300 billion & BVIC Subordinated Bonds I amounting to Rp 50 Billion

• 2nd Ranked, Category Public Listed –Private Financial Institutions, Annual Report Award 2016

Issued the 3th Bond of IDR 200 Bio and 2rd

Subordinated Bond of IDR 300 Bio

Right Issue V

Converted the operational permit Bank Swagunabecome Bank Victoria Syariah

Acquisition one private national banks in Indonesia (Bank Swaguna).

Issued the 2nd Bond of IDR 200 Bio and 1st Subordinated Bond of IDR 200 Bio

PT Bank Victoria International Tbk. was establlished in Jakarta

Start operating as a commercial bank

Obtained a permit as a Foreign Exchange Trader

• become a public company

• Issued the 1st Bond of IDR 100 Bio

Right Issue I

Issued ATM Bank Victoria and joined with ATM & Debit Prima Network

Right Issue III

Right Issue IV

• Issued the 4th Bond of IDR 200 Bio and 3rd

Subordinated Bond of IDR 300 Bio

• BVIC’s rating has raised to

idA-, stable outlook

• Displacement Listing of Shares BVIC Board to the Main Board

• Contributors JIBOR IDR2014

• Start BancassuranceProduct Sales & Retail Banking Bancassurance.

• BVIC shares included in the index Infobank15

1st Ranked, Category Public Listed – Private Financial Institutions, Annual Report Award 2014

• Since December, Bank Victoria has been given permission to operate as a foreign exchange bank from the financial services authority (OJK).

• Deutsche Investitions-Und Entwicklungsgesellschaft Mbh (DEG)has officially become shareholders of Bank Victoria since December, with total investment amounting to Rp. 277 Bio

1992

1994

1997

1999

2000

Right Issue II2003

2004

2006

2007

2008

2010

2011 2012

2013

2014

2015

2016

2017

• Branch network expansion in Central Java area ie. Semarang Branch Opening on Feb 2018

2018

http://www.victoriabank.co.id/


www.victoriabank.co.idwww.victoriabank.co.idwww.victoriabank.co.id

Bank Victoria is a publicly listed company at Indonesia Stock Exchange (BVIC.JK) since 1999. To support the Bank’sbusiness expansion, Bank Victoria has a Subsidiary (Bank Victoria Syariah) focusing on the market penetration ofIslamic Banking in Indonesia and Bank Victoria is a subsidiary of PT Victoria Investama, Tbk a group specializing infinancial sector...

Shareholder Structure

Souce: Based on Company Shareholders List as per March 31, 2018

Masyarakat (<5%)

Suzanna Tanojo

99.50%

95.00%

73.35%

99.33%

45.43%

29.31%

PT Nata Patindo2.73%

Deutsche Investitions- und Entwicklungsgesellschaft (DEG)

9.00%

13.53%

99.99%





Customers

To diligently and

continuously exceed the

needs of our customers,

as well as nurturing good

relationships, while

giving the best service

possible.

.

Vision : “To strive to be the bank of choice,

we require to attain qualities such as being trustworthy,

healthy, reliable and efficient”

C A R

Corporate Values (D A H S Y A T) :

Discipline – Accountable – Honest – Solid, Sustain – Youthful Spirit – Accurate – Trust

L F R N P L BOPO

Mission

People

To develop a professional

and dedicated human

resources in order to

provide excellent

assistance and to go

beyond the needs of our

customers.

Operations

implementing the

principles of prudence

efficiently and

sustainably.

Risk Management

To carry out risks and

financial managements

wisely and consistently,

while continuing to

constantly implement the

principles of Good

Corporate Governance

The Bank has a profound Vision, Mission, Corporate Culture Values and Financial Platform to promote excellentservices to all customers…

Vision, Mission, Corporate Culture Values and Financial Platform




The entire Board of Commissioners (Board of Commissioners and Directors) of Bank Victoria are experienced professionals inthe national banking industry ...

Composition of Board of Commissioners and Directors

Oliver SimorangkirKomisaris Utama

Gunawan TenggarahardjaKomisaris Independen

Zaenal AbidinKomisaris Independen

Debora Wahjutirto TanoyoKomisaris

Daniel BudirahayuDirektur Utama

RusliWakil Direktur Utama

TamunanDirektur Kepatuhan

Rita Gosal*Direktur Bisnis

Ramon Marlon RuntuDirektur Kredit

*Effectively Resigned on end of February, 2018




The history of Bank Victoria corporate shares and corporate rating ...

Corporate shares and rating

Rating Agency/ Year Corporate Rating/Outlook

PefindoApril 2018

id A-Stable Outlook

PefindoApril 2017

id A-Stable Outlook

PefindoApril 2016

id A-Negative Outlook

PefindoApril 2015

id A-Negative Outlook

PefindoApril 2014

id A-Stable Outlook

PefindoJuni 2013

id A-Stable Outlook

Ket Q1 2014 Q1 2015 Q1 2016 Q1 2017 Q1 2018 CAGR

Price (Rp)

127 120 110 113 204 12,58%

0

10,000,000

20,000,000

30,000,000

40,000,000

50,000,000

60,000,000

70,000,000

80,000,000

90,000,000

0

50

100

150

200

250

300

350

Vo

lum

e

Pri

ce

Volume Close




Branch Office Bank Victoria

At this moment Bank Victoria have 102 office branch networking with consists of 1 KPO, 10 KC, 70 KCP & 21 KK spread aroundJabodetabek,West Java, Central java, East Java, North Sulawesi and Bali.

102

70

10

1

21

Semarang




Bank & Non Bank Products

Bank Victoria always innovate in products Bank and Non Bank to satisfy and meet the needs of customers.

8,88%




Bank Victoria Services

Since 2004, Bank Victoria has issued ATM Card to support the customers transactional needs. In the same year,Bank Victoria has also officially joined the ATM and EDC Debit PRIMA network. Currently, Bank Victoria ATM Cardcan be used in more than 110 thousands of ATM Prima participants network and more than 450 thousand of EDCsLogo Prima Debit or BCA Debit network for debit transactions throughout Indonesia and to increase the level ofservice and comforts of customers in conducting transaction, Bank Victoria have launched Internet Banking andMobile banking…

Sumber : www.jaringanprima.com



http://www.jaringanprima.com/


Financial Performance – Balance Sheet (Stand Alone)

in Trillion Rp.Actual

CAGRQ4 2014 Q4 2015 Q4 2016 Q4 2017 Q1 18

Asset 20.1 22.1 24.7 27.1 28.1 8.7%

Loan 11.4 12.0 13.3 14.6 16.1 9.0%

Mutual Funds 4.8 5.8 7.0 7.6 7.3 11.1%

Third party Fund 16.2 17.1 19.5 20.7 23.5 9.7%

CASA 1.5 1.5 2.1 3.5 3.7 25.3%

Time Deposit 14.6 15.6 17.4 17.2 19.8 7.9%

Equity 1.7 2.1 2.6 2.8 2.9 14.3%

20.1 22.124.7

27.1 28.1

Asset

11.4 12.013.3

14.616.1

2014 2015 2016 2017 Q1 18

Loan

4.85.8

7.07.6 7.3

2014 2015 2016 2017 Q1 18

Mutual Funds

1.72.1

2.6 2.8 2.9

2014 2015 2016 2017 Q1 18

Equity

16.2 17.119.5 20.7

23.5

0.0

5.0

10.0

15.0

20.0

25.0

2014 2015 2016 2017 Q1 18

Third Party Fund

1.5 1.52.1

3.5 3.7

0.0

0.5

1.0

1.5

2.0

2.5

3.0

3.5

4.0

2014 2015 2016 2017 Q1 18

CASA

14.6 15.617.4 17.2

19.8

0.0

5.0

10.0

15.0

20.0

25.0

2014 2015 2016 2017 Q1 18

Time Deposit

2014 2015 2016 2017 Q1 18




Financial Performance – Income Statement (Stand Alone)

in Billion Rp.Actual

CAGRQ4 2014 Q4 2015 Q4 2016 Q4 2017 Q1 2018

Net Interest Income 196.0 246.0 205.6 408.1 133.7 46.6%

Feebased 229.0 276.0 385.3 412.4 89.7 -0.6%

Overhead Cost 267.6 276.1 301.2 315.8 90.5 15.1%

Impairment Losses 21.8 124.7 154.9 364.9 63.5 23.0%

PBT 149.1 111.4 120.7 169.9 67.4 38.1%

EAT 127.0 103.4 118.8 131.4 57.1 30.7%

196.0246.0

205.6

408.1

133.7

2014 2015 2016 2017 Q1 18

NII

229.0276.0

385.3 412.4

89.7

2014 2015 2016 2017 Q1 18

Fee Based

267.6 276.1301.2 315.8

90.5

2014 2015 2016 2017 Q1 18

Overhead Cost

127.0

103.4118.8

131.4

57.1

2014 2015 2016 2017 Q1 18

EAT




Financial Ratio (Stand Alone)

in % Actual

Q4 2014 Q4 2015 Q4 2016 Q4 2017 Q1 2018CAR 18.35% 19.30% 24.58% 18.17% 17.10%ROA 0.80% 0.65% 0.52% 0.64% 0.92%ROE 7.62% 6.73% 4.79% 5.52% 9.44%NIM 1.88% 2.08% 1.53% 2.13% 2.46%NIM Normalised 2.27% 2.91% 2.75%Regulatory CIR 93.25% 93.89% 94.30% 94.53% 89.42%LFR 70.25% 70.17% 67.80% 69.65% 68.25%NPL Gross 3.52% 4.48% 3.89% 3.05% 2.70%NPL Nett 2.61% 3.93% 2.37% 2.32% 1.89%

Coverage CKPN provisioning to NPL 45.28% 53.68% 30.65%

18.35% 19.30%

24.58%

18.17% 17.10%

2014 2015 2016 2017 Q1 18

CAR

0.80%

0.65%

0.52%

0.64%

0.92%

2014 2015 2016 2017 Q1 18

ROA

7.62%6.73%

4.79%5.52%

9.44%

2014 2015 2016 2017 Q1 18

ROE

1.88%2.08%

1.53%

2.13%2.46%

2014 2015 2016 2017 Q1 18

NIM

93.25%93.89% 94.30% 94.53%

89.42%

2014 2015 2016 2017 Q1 18

Regulatory CIR

70.25% 70.17%

67.80%

69.65%

68.25%

2014 2015 2016 2017 Q1 18

LFR

3.52%

4.48%3.89%

3.05%2.70%

2014 2015 2016 2017 Q1 18

NPL Gross

2.61%

3.93%

2.37% 2.32%1.89%

2014 2015 2016 2017 Q1 18

NPL Nett




Awards & Appreciations

Received during 2016 - 2017

Received before 2016




In the past 10 years, Bank Victoria has consistently received numerous awards in various aspects related to financial as

well as non financial …

Year 2017 : - 2nd ranked Category Public Listed – Private Financial Institutions Annual Report Award 2016.

- Indonesia Banking Award 2017, Best Bank in Productivity from Tempo Media Group

Year 2016 : - The Winner of Best Banking Brand 2016 - For Best Reputation, Best Digital, Best Service and Best Performance Title from WartaEkonomi

- 2nd ranked Category Best Performance Bank Buku II (Asset Rp. 10 T – Rp. 25 T) from Economic Review & Perbanas Institute.

- 3rd ranked Category Corporate Social Responsibility (CSR), Bank Buku II from Economic Review & Perbanas Institute.

- 4th ranked Category Public Listed – Private Financial Institutions Annual Report Award 2015.Year 2015 : - 1st ranked category public listed – Private Financial Institutions Annual Report Award 2014.

Year 2014 : - Indonesia Banking Award Best Performance Banking 2014 Category Bank BUKU 2 Commercial Bank.

- Gold Champion Category Mortgage (BUKU I+II)

- Economic Review ” Bank with the Most Expansive Business Growth”.

- Predicate of “Very Good” from Infobank Award for 2013 financial performance.

- Indonesia Banking Award 2014 : Ranked 5 BUKU II Public Company, Core Capital Rp1T - Rp5T.

- BVIC shares included as one of the component in Infobank15 Index (period 2014 - 2015).Year 2013 : - BVIC shares included as one of the component in Infobank15 Index (period Dec 2013 - May 2014).

- Raised in Company rating to idA- from idBBB+ ; with stable outlook.

- Raised in the rating of Bank Victoria Bond III Year 2012 to idA- from idBBB+.

- Raised in the rating of Bank Victoria Subordinated Bond II Year 2012 to idBBB+ from idBBB.

- Predicate of “Very Good” from Infobank Award for 2012 financial performance.

- 1st Rank of The Best Bank 2013 in “Good Corporate Governance” for the Commercial Bank category with Core Capital IDR 1T – 5T.

- Indonesia Banking Award Best Performance Banking 2013 for the BUKU 2 Private Bank category.

Year 2012 : - Predicate of “Very Good” from Infobank Award for 2011 financial performance.

- Banking Efficiency Award Bisnis Indonesia 2012 for the Non Foreign Exchange Bank category.

- Finalist The Best Small Bank < IDR 1T from Indonesia Enterprise Risk Management Award 2012.

- Tempo Newspaper in Indonesia Banking Award Best Performance Banking 2012 for the National Private Bank category with Assets between IDR 5T - 50T.

- 1st Rank of The Best Bank 2012 in “Compliance” for the Commercial Bank category with Assets > IDR 1T - 10T at the Anugerah Perbankan Indonesia 2012.

- 1st Rank of The Best Bank 2012 in “Financial Aspects” for the Commercial Bank category with Assets > IDR 10T - 25T at the Anugerah Perbankan Indonesia2012.

- 1st Rank of the The Best Bank 2012 in “Good Corporate Governance” for the Commercial Bank category with Assets > IDR 1T - 10T at the Anugerah PerbankanIndonesia 2012.

Year 2008 : - Predicate of ”Very Good” for the category of Bank with Business Activity Focusing on Particular Business Segment (with a capital between IDR 100B to < IDR1T) out of 125 bank ratings in Indonesia by Infobank Magazine, June 2008 Edition.

- ”Banking Efficiency Award 2008” from Bisnis Indonesia Daily.

Awards & Appreciations




Institutions / Capital Market Supporting Professionals and Rating Company ....

Institutions / Supporting Profession

TANUDIREDJA, WIBISANA, RINTIS &

REKAN(PRICEWATERHOUSE COOPERS)

Plaza 89

Jl. H.R. Rasuna Said

Kav. X7 No. 6

Kuningan, Jakarta 12940

Tel. 62-21 5212 901

Fax. 62-21 5290 5555/5290 5050

FATHIAH HELMI S.H.

Graha Irama

Lantai 6, Ruang 6C

Jl. H.R. Rasuna Said X-1

Kav. 1 & 2

Kuningan, Jakarta 12950

Tel. 62-21 52907 304-06

Fax. 62-21 526 1136

DA SILVA & SUHARDADI

One Pacific Place, level 11

Sudirman Central Business District

Jl. Jendral Sudirman Kav. 52-53

Jakarta 12190

Tel : +62 21 2783 0550

Fax : +62 21 2985 9889

PT ADIMITRA JASA KORPORA

Plaza Property Lantai 2

Komplek Pertokoan Pulomas

Blok VIII No. 1

Jl. Perintis Kemerdekaan

Jakarta Timur

Tel. 62-21 4788 1515

Fax. 62-21 470 9697

PT PEMERINGKAT EFEK INDONESIA

Panin Tower Senayan City, 17th Floor

Jl. Asia Afrika Lot.19

Jakarta 10270, Indonesia

Phone: 62-21-7278-2380

Fax: 62-21-7278-2370

PT BANK MEGA TBK

Menara Bank Mega,

Jl. Kapten Tendean Kav. 12-14A

Jakarta 12790

Tel : +62 21 7917 5000

Fax : +62 21 7918 7100



Corporate SecretaryPT Bank Victoria International TbkPanin Tower Lantai 15 Senayan City, Jl. Asia Afrika Lot. 19, Jakarta 10270Telp. : (021) 7278 1800Fax. : (021) 7278 1900Email : [email protected]: www.victoriabank.co.id

mailto:[email protected]


Documents

Highlights of March 31, 2018 and Financial Performance · Awards & Appreciations Received during 2016 - 2017 Received before 2016. In the past 10 years, Bank Victoria has consistently