Corporate Profile & Financial Performance Update 1st ... Kinerja BVIC Q1 2015 ENG_rev.pdfVision, Mission, Corporate Culture Values and Financial Platform Customers To constantly make

For more information, please contact:

Corporate Secretary

PT Bank Victoria International Tbk

Panin Tower 15th Floor, Senayan City, Jl. Asia Afrika Lot. 19, Jakarta 10270

Ph. (021) 7278 1800

Fax. (021) 7278 1900

Email : [email protected]

Website : www.victoriabank.co.id

Corporate Profile &

Financial Performance Update

1st Quarter 2015

mailto:[email protected]

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

www.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

Bank Victoria’s Vision “To become customers’ preferred bank of choice which is trusted, sound and efficient”

100 operational offices network strategically located in greater Jakarta area

BVIC’s rating has raised to

idA-, stable outlook

Issued the 4th

Bond of IDR 200 Bio and3rd Sub Bond of IDR 300 Bio

BVIC shares included in Infobank15 Index

Rank 12 (of 36) ARA

Issued the 1st

Bond of IDR 100 Bio

•"PT. Bank Victoria" was Establlished•become "PT. Bank Victoria International"•Obtained a permit from Bank Indonesia as a Foreign Exchange TraderGo Public at Indonesia Stock Exchange(f.k.a. JSX) and become a public company

2013

1992 - 1999

2000

2004

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

2007

Carried out a Coporate Action withAcquiring one of private national bank in Indonesia (Bank Swaguna)

Issued the 2nd

Bond of IDR 200 Bio and 1st Sub Bond of IDR 200 Bio

2009

Converted its Subsidiaries’ operational permit,Bank Swagunahas becomeBank Victoria Syariah

Issued the 3rd Bond of IDR 200 Bio and2nd Sub Bond of IDR 300 Bio

2012

2014

102 operational offices network in strategic locations spread across the Greater Jakarta, Bandung and SurabayaMaintaining BVIC rating at idA-, stable outlookBVIC shares movedfrom Development Board to the Main Board of IDXJIBOR IDR currency contributorfor period of 2014Rank 8 (of 41) ARA Composite score of 2 (Good)Start selling BancasurranceProduct & Retail BankingBVIC shares included in Infobank15 Index

Consolidated Financial Performance as of March :

• Total Asset : IDR 21,1 Trilion

• Loan & Sharia : IDR 11,9 Trilion

• Deposits : IDR 18,0 Trilion

• Equity : IDR 1,8 Trilion

• Net Profit : IDR 32,4 Billion

JIBOR IDR currency contributorfor period of 2015Composite score of 2 (Good)Maintain BVIC shares on

Main Board of IDX

2015


Shareholder Structure


Source : the Bank’s Share Registrar Report as of December 31, 2014

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 Subsidiaries (Bank Victoria Syariah) focusing on the market penetration ofIslamic Banking in Indonesia…

12,35%

99,98%

PT Suryayudha

Investindo Cipta

Atrium Asia

Investment

Management(Public > 5%)

Suzanna Tanojo PT Nata Patindo

PT Victoria

Investama Tbk

Public

(< 5%)

5,87% 3,08% 8,19%

39,37% 31,14%

Syariah


Vision, Mission, Corporate Culture Values

and Financial Platform

Customers

To constantly

make efforts to meet

the needs of customers,

to nurture a good

relationship

with customers and to

give the best service to

customers.

Vision : “To become customers’ preferred bank of choice

which is trusted, sound and efficient”

C A R

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

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

L D R N P L BOPO

Misi

People

To develop

professional and

dedicated human

resources in order to

provide good services

and to meet

customers’ needs

Operations

To run

bank’s operations

by implementing the

principles of prudence

efficiently and

sustainably.

Risk Management

To carry out

risk and financial

management prudently

and consistently and

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…



The Bank’s Board of Commissioners and Board of Directors


The entire Bank’s management (Board of Commissioners and Board of Directors) consists of well-experiencedprofessionals in the banking industry…

Board of Commissioners Board of Directors

Daniel BudirahayuPresident Commissioner/

Independent Commissioner

Gunawan TenggarahardjaCommissioner/


Zaenal Abidin PhDCommissioner/


Suzanna TanojoCommissioner

Eko R. GindoPresident Director

TamunanDirector of Compliance

& Risk Management

G. Andrew A. HaswinDirector of Treasury, FI

& Capital MarketRamon M. RuntuDirector of Business

Oliver SimorangkirDirector of System

& Operational

SoewandyDeputy CEO


The Bank’s Operational Offices Network /Branches

Currently Bank Victoria has 102 operational offices network/branches which are spread across the

Greater Jakarta, Bandung and Surabaya area…..


Kantor Pusat 1

DKI Jakarta

Central Jakarta 23

North Jakarta 12

West Jakarta 31

South Jakarta 17

East Jakarta 2

Bogor & Depok 2

Bekasi 5

Tanggerang 7

Surabaya 1

Bandung 1

TOTAL 102 KC Bogor

KC Surabaya

East Java


Bank Victoria Products


Our Product Include :

at Bank Victoria, we provide a variety of banking products to satisfyeverything you need


Bancassurance Products & Cooperation


Cooperation us with patners in Bancassurance is offering :

VIP Super Plan VIP Pro VIP Pro Invest VIP Maxima Link IP Family Plan VIP Lifestyle Protector

Jiwasraya Generali FWD Sinarmas MSIG Manulife


ATM & EDC Debit Transactions Network

Since 2004, Bank Victoria has issued ATM Card to support the customers transactional needs. In the same year, BankVictoria has also officially joined the ATM and EDC Debit PRIMA network. Currently, Bank Victoria ATM Card can beused in more than 80 thousands of ATM network and more than 321 thousand of EDCs network for debittransactions throughout Indonesia …

Sumber : Presentasi PT. Rintis Sejahtera (PRIMA EFT Services) – www.jaringanprima.com www.victoriabank.co.id

Total Member Banks : 58

Total ATM : > 80.000

Total Issuer Bank: 39

Total EDC: > 321.953

http://www.jaringanprima.com/


Financial Performance Update - Total Assets

The growth of Bank Victoria’s financial performances (bank only & consolidated) has been stable in the last 5 years. Bank Victoria will continue to maintain a sustainable and conservative financial performance growth target ahead…


Consolidated Total Assets:

CAGR increase 56.9% from March 2011

Increased by 8.6%or Rp 1.7 trillion compared to March 2014

8.6

19.5

21.1


Financial Performance Update - Total Loans & Sharia Financing



Consolidated Total Loans & Sharia Financing:



4.3

11.511.9


Financial Performance Update - Total Deposits



Consolidated Total Deposits:



6.9

15.1

18.0


Financial Performance Update – Net Profit for the Year

Bank Victoria’s financial performance has improved from time to time, indicated by an upward trend of Net Profit forthe Year that has been growing significantly…


Consolidated Profit for the Year (Net) :

CAGR increase 51.1% from December 2010

Up to March 2015 amountedto Rp 32.4 Billion


Financial Performance Update – Financial Ratios

Bank Victoria’s financial ratios (bank only) has improved in the last 5 years. Bank Victoria will continue to maintaina sustainable and conservative financial ratios to comply with a healthy banking aspects…


10% CAR

3,5% NIM

2% ROA 15% ROE

75% LDR80% BOPO5% NPL

3% NPL

19.1%

1,9%

0,9%

9.2%

5.4% 91.1%

64.9%



Awards & Recognitions

In the past 10 years, Bank Victoria has consistently received numerous awards in various aspects related to financial as well as nonfinancial …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 - Rp5.

- 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 categorywith 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 Bankcategory with Assets between IDR 5T - 50T.

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

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

- 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 Perbankan Indonesia 2012.

Year 2008 : - Predicate of ”Very Good” for the category of Bank with Business Activity Focusing on Particular BusinessSegment (with a capital between IDR 100B to < IDR 1T) out of 125 bank ratings in Indonesia by InfobankMagazine, June 2008 Edition.

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


Thank You



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Corporate Profile & Financial Performance Update 1st ... Kinerja BVIC Q1 2015 ENG_rev.pdfVision, Mission, Corporate Culture Values and Financial Platform Customers To constantly make