BANK BUKOPIN CORPORATE PRESENTATION FY 2014

IMPORTANT: The following forms part of, and should be read in conjunction with, this presentation.

This report is prepared by PT Bank Bukopin Tbk independently and is circulated for the purpose of general information only. It is not intended to the

specific person who may receive this report. No warranty (expressed or implied) is made to the accuracy or completeness of the information. Some of the

statements contained in this document contain “forward looking” statements with respect to the financial conditions, results of operations and businesses, and related plans and objectives. These Statements do not directly or exclusively relate to historical facts and reflect the Company’s current intentions,

plans, expectations, assumptions and beliefs about future events. The Statements involve known and unknown risks and uncertainties that could cause

actual results, performance or events to differ materially from those in the statements as originally made. Such statements are not, and should not be

construed as a representation to future performance of the Company. Readers are urged to view all forward-looking statements contained herein with

caution.

DISCLAIMER

2

OUTLINE

3

Financial Update 4

Business Update 7

Corporate Update 21

Appendix 26

Financial Update

4

Financial Highlight

Dec-13 (Rp Trillion)

Dec-14 (Rp Trillion)

YoY (%)

Asset 69,5 79,1 13.81

Loans 48,5 55,3 14.04

Deposits 55,8 65,4 17.14

- Time Deposit 32,5 41,1 26.08

- Saving Account 14,3 15,4 8.14

- Current Account 9,0 8,9 (0.93)

Equity 6,2 6,8 9.79

Interest Income 6,0 7,1 19.22

Fee Based Income 0,8 0,9 20.25

Earning Before Tax 1,2 1,0 (18.64)

Earning After Tax 0,9 0,7 (22.24)

Dec-13 (%) Dec-14 (%) YoY (%)

CAR 15.12 14.21 (0.91)

ROE 19.09 12.50 (6.59)

ROA 1.75 1.33 (0.42)

NIM 3.82 3.70 (0.12)

BOPO 82.73 88.27 5.54

LDR 85.80 83.89 (1.91)

NPL Gross 2.26 2.78 0.52

NPL Net 1.51 2.07 0.56

CIR 66.93 67.29 0.36

5

*Consolidated

*Bank Only

Rp.29,2

60.21%

Rp.34,5

62.36%

Rp.19,3

39.79%

Rp.20,8

37.64%

Dec-13 Dec-14

Commercial

Retail

Rp.14,3

25.53%

Rp.15,4

23.57%

Rp.9,0

16.13% Rp.8,9

13.64%

Rp.32,5

58.34%

Rp.41,1

62.79%

Dec-13 Dec-14

Time Deposit

Saving Account

Current Account

Loan & Deposits Highlight

Deposit

6

In Trillion Rupiah

Rp.48,5 Rp.55,3

Loan

Rp.55,8 Rp.65,4

(0.93%)

Business Update

7

SME

“To be a key player in SME Banking”

Core Business

Bank Bukopin’s business activities of lending and funding include four pillars which are

Micro Business, Small and Medium Enterprises (SME), Consumer Business and Commercial Business.

Micro

“To be a market leader in business to business Micro

and a prime player for Rural Micro Banking”

Objective:

To become a top bank through focusing on value

Consumer

“To be a Preferred Partner for Mass, Mass Affluent Customers and Business

Owners”

Commercial

“Sustain Current Market Position”

MAIN BUSINESS PILLARS

Supported by Treasury Business, International Banking and Fee-Based Services

8

RETAIL COMMERCIAL

9

Become a Trusted Bank for Financial

Services

Strengthening the Structure of Capital

Focusing on Retail Segment

Strengthening Non Interest Income Business

Improvement of Information Systems and Technology

Enhance the Role of Risk Management and Compliance

Aspects

Strategic Plan

10

Business Focus – Funding

• Point Reward Savings Account

• MERDEKA Current Account

• Cash Card for PLN

• BPJS Smart Card for BPJS Ketenagakerjaan

• Gasoline Purchase System for Indonesian State-Owned Oil & Gas Company (PERTAMINA)

• Cash Management for LPDB, Securities, Insurance, BPJS Ketenagakerjaan, etc.

• Outlets

• E-Banking

• E- Money

• Branchless Banking

• Mass Affluent Customers in Retail Segment (e.g. executive & professional customers)

• Corporate Partnerships (e.g. partnership with State-owned Electricity Company (PLN), Indonesian Social Security Agency (BPJS Ketenagakerjaan), Kalbe Group, etc.)

• Government Financial Institutions (e.g. Indonesia Endowment Fund for Education (LPDP), Indonesia Investment Center (PIP), Indonesia Revolving Fund Management Institution (LPDB), etc.)

• Private Financial Institutions (e.g. Securities, Asset Management, Insurance, etc.)

• Sales Activity

• Monitoring

• Reward System

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Customer Base and Quality

Business

Process

Priority

Segment

Customer

Channel

Distribution

Product

Development

11

Business Focus – Lending

•Project Based

•Distribution Based

•Transaction Based

•Consumption Based

• Outlets

• Credit Cards

• 12 Retail Segmentations

• 4 Corporate Segmentations

• Middle Class Consumers

• Government Retirees for Micro Banking (e.g. partnership with Pension Scheme for Civil Servants (Taspen))

• Two step loans partnership (e.g. partnership with Savings and Loan Cooperative (Swamitra))

• Sales Activity

• Monitoring

• Reward System

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Customer Base and Quality

Business

Process

Priority

Segment

Business

Channel

Distribution Product

Development

12

Business Focus – Fee Based

• Community Credit Card

• Billing System

• Forex

• Mutual Fund

• Best Transaction Reward

• PPOB

• E-Banking

• Merchant

• Credit Card Holders

• Public Utility Payment (e.g. PLN, mobile provider such as Telkomsel, Indosat,, XL, and 60 State-Owned District Water Supplier Companies)

• Treasury

• Micro Banking (e.g. Swamitra)

• Sales Activity

• Monitoring

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Transactional Focus

Business

Process

Priority

Segment

Business

Channel

Distribution

Product

Development

Dec-13 Dec-14

Micro

SME

Consumer

Commercial

Rp.55,8

Rp.10,8 19.43%

Rp.20,8 37.17%

Rp.24,0 43.01%

Rp.0,2 0.39%

Rp.65,4

Rp.0,1 0.19%

Rp.11,8 18.11%

Rp.24,4 37.18%

Rp.29,1

44.53%

Deposits Composition

Composition by Segment

13

Third Party Funds increased YoY by 17.14% from Rp55,8 Trillion to Rp65.4 Trillion. The biggest growth comes from time deposit by 26.08%.

In Trillion Rupiah

Composition by Product

Rp.14,3

25.53%

Rp.15,4

23.57%

Rp.9,0

16.13% Rp.8,9

13.64%

Rp.32,5

58.34%

Rp.41,1

62.79%

Dec-13 Dec-14

Time Deposit

Saving Account

Current Account

Rp.55,8 Rp.65,4

(0.93)%

Rp.20,8 37.64%

Rp.7,5 13.60%

Rp.21,4 38.76%

Rp.5,5 10.00%

Dec-13 Dec-14

Micro

SME

Consumer

Commercial

Loan Composition

Outstanding Loan

20,90

22,67

19,60

36,83 Trade

Service

Construction

Others

Loan increased YoY by 14.04% from Rp48,5 Trillion to Rp55,3 Trillion, mainly supported by growth of Micro Sector. While, the biggest market segmentation is service sector.

14

Rp.48,5

Rp.55,3

Rp.3,4 7.01%

Rp.19,1 39.33%

Rp.6,7 13.78%

Rp.19,3 39.79%

Credit Sector (%)

In Trillion Rupiah

Loan Quality

15

NPL Gross (%)

Retail Commercial

3,35

1,05

3,66

1,29

Dec-13

Dec-14

Dec-13 (%)

Dec-14 (%) YoY (%)

NPL Gross 2.26 2.78 0.52

NPL Net 1.51 2.07 0.56

Retail - Micro

16

Rp.93 3.06%

Rp.80 37.04%

Rp.9 7.32%

Dec-13 Dec-14

Loan Breakdown

Retirement - Direct

Retirement - Channeling

Swamitra

Others

Rp.3,4

Rp.5,5

Rp.1,4

40.84%

Rp.1,3 37.33%

Rp.0,2

5.38%

Rp.0.5

16.45%

Rp.1,5

27.50%

Rp.1,5

28.02%

Rp.1,8

32.64%

Rp.0,7

11.85%

Micro Banking strategies and policies are as follows:

• Focus on Direct Loan to the pensioners of Government

Employees, Indonesian National Army (TNI) and Indonesian

National Police (POLRI).

• Focus on the development of Strategic Alliance with PT

Taspen and PT Asabri.

• Optimization of reseller/partner’s performance.

• Branchless micro banking product development.

• Focus on fattening and credit quality improvement of

Swamitra

• Focus on developing cooperative and pensioner businesses.

In Trillion Rupiah

Retail - SME

Dec-13 Dec-14

Outstanding Loan

17

Rp.19,1

Bank Bukopin commits to advancing the Small & Medium Enterprises (SME). The commitment is realized through the various products and

services that Bank Bukopin offers for business entities in the SME sector.

Rp.21,4

Dec-13 Dec-14

Deposit Breakdown

Time Deposit

Saving Account

Current Account

Rp.10,8

Rp.6,2

57.84%

Rp.1,6

14.76%

Rp.3,0 27.39%

Rp.7,2 61.17%

Rp.1,8

14.84%

Rp.2,8 23.99%

Rp.11,8

In Trillion Rupiah

Retail - Consumer

Dec-13 Dec-14

Loan Breakdown

Car loan

Credit Card

Housing Loan

Others

Rp.7,5

18

Rp.6,7

Rp.1,3

19.66%

Rp.1,1

16.10%

Rp.2,6

38.89%

Rp.1,7

25.36% Bank Bukopin’s Consumer Business targets individual customers through a

range of products to meet a variety of customer’s needs. Offering complete

range of savings, demand deposits, time deposit, credit card and consumer loan

(housing & car loans) products, Bank Bukopin consistently strives to meet the

customer’s needs.

Rp .1,9 24.77%

Rp.1,3 17.41%

Rp.2,7 35.60%

Rp.1,6

21.21%

Dec-13 Dec-14

Deposit Breakdown

Time Deposit

Saving Account

Current Account

Rp.20,8

Rp.7,8

37.43%

Rp.12,6

60.75%

Rp 0,4

1.82%

Rp.10,3

42.33%

Rp.13,6

55.69%

Rp.0,5

1.98%

Rp.24,4

3.01%

In Trillion Rupiah

Commercial

Dec-13 Dec-14

Loan Breakdown (Rp)

Construction & Property

Trading, Hotel & Restaurant

Mining

Transportation &Telecommunication

Others

19

Rp.19,3 Rp.20,8

Dec-13 Dec-14

Deposit Breakdown (Rp)

Time Deposit

Current Account

Rp.24,0

Rp.29,1

Rp.4,2

22.04%

Rp.4,0

20.73%

Rp.2,0

10.46%

Rp.7,4

38.57%

Rp.1.7

8.20%

Rp.7,5

36.19%

Rp.3,4

16.15%

Rp.2,2

10.53%

Rp.4,3

20.72%

Rp.3.4

16.42%

Rp.5,6

23.22%

Rp.18,4

76.78%

Rp.23,5

80.80%

Rp 5,6

19.20%

0.27%

In Trillion Rupiah

Fee Based Income

Bank Bukopin’s Fee Based Income improved YoY by 20,25% from Rp786 Billion on December 2013 to Rp945 Billion on December 2014.

Rp.212

26.98%

Rp.204

21.55%

Rp.416

52.92%

Rp.531

56.16%

Rp.76

9.65%

Rp.103

10.94%

Rp.82

10.45%

Rp.107

11.35%

Dec-13 Dec-14

Credit Cards

Treasury

Public Services

Others

20

Rp.786

In Billion Rupiah

Rp.945

Corporate Update

21

Shareholder’s Structure

Cooperative of

Bulog Employees

(KOPELINDO)

25.66%

PT Bosowa

Corporindo

22.42%

Government of

Republic of

Indonesia

11.43%

PUBLIC

40.49%

PT Bukopin Finance

88.25%

PT Bank Syariah Bukopin

86.82%

22

Core & Supplementary Capital

23

• In line with Bank Indonesia’s Regulations, Bank Bukopin is categorized into BUKU 3 with a core capital of Rp5,6 Tn.

• CAR decreased year-on-year due to the loan expansion in retail segment, which caused an increase in Risk

Weighted Assets (RWA).

11.61%

3.51%

Dec-13 Dec-14

Suplementary Capital

Core Capital

15.12% 14.21% 11.61%

2.60%

History & Key Milestone

1989 1993 2003 2006 2008 2009 2011 1970 2012 2013 2014

• Rights Issue I

• Spinned off Sharia

Business Unit to PT

Bank Syariah Bukopin

in which Bank

Bukopin owns 65.4%

Increased

ownership in PT

Bank Syariah

Bukopin became

86.82%

Issuance of

Subordinated Bond

Sustainable I Bank

Bukopin Period I

Year 2012

Rights Issue III

• Rights Issue II

• Increased

ownership in PT

Bank Syariah

Bukopin became

77.57%

• Additional

acquisition of the

shares of PT Bank

Syariah Bukopin,

bringing the total

shares to 65.44%

• Paid off Series A

Bonds, Series B

Subordinated

Bonds and Sharia

Bonds

Issuance of Series

A Bonds, Series B

Subordinated

Bonds and Sharia

Mudharabah

Bonds

• Changed its

name into Bank

Bukopin

• Issued Bond

• Became a public-listed

company via IPO

• Acquisition of 24.73%

shares of PT. Bank Syariah

Bukopin

• Acquisition of the shares

of PT Bukopin Finance

Became a

limited liability

company, PT

Bank Bukopin

Bank Umum

Koperasi

Indonesia

(Bukopin) was

formed

24

Branches & Electronic Network

December

2013

December

2014

Growth

2013-2014

Branches 40 40 0

Sub Branches 114 121 7

Cash Offices 147 145 -2

Micro-Service

Offices

87 86 -1

Payment Point 39 39 0

Pickup Service 8 8 0

Total outlet 435 439 4

ATMs 510 614 104

Mini ATMs 1,383 2040 657

• Bank Bukopin currently has network in 22 out of 34 provinces in Indonesia.

• Bank Bukopin’s ATM card gives its holder access to all major ATM networks in Indonesia (including ATM BCA Prima,

ATM Bersama and ATM Plus), comprising more than 30,000 ATMs.

• More than Bank Bukopin’s 27,000 PPOB outlets across Indonesia reaches out to the urban and rural population.

• Our IT system provides real-time monitoring of each branch’s transactions and positions.

Lampung

Nanggroe

Aceh Darussalam

Riau

West Sumatera

West Kalimantan

South

Kalimantan

Banten

North Sulawesi

South Sulawesi

Bali West Nusa

Tenggara East Nusa Tenggara

East Java

West Java

D.I.Yogyakarta

DKI

Jakarta

Central Java

North Sumatera

Riau Island

East Kalimantan

Jambi

South Sumatera

25

Appendix

26

Board of Directors & Board of Commissioners

Board of Directors

Board of Commissioners

Glen Glenardi

President Director

Tri Joko Prihanto

Finance & Planning

Director

Agus Hernawan

Retail Director

Mikrowa Kirana

Commercial

Director

Adhi Brahmantya

Business

Development and IT

Director

Sulistyohadi DS

Services &

Operation Director

Irlan Suud

Risk Management,

Compliance & HR

Development Director

Mulia P. Nasution

President

Commissioner

Deddy S.A. Kodir

Commissioner

Muhammad

Rachmat

Kaimuddin*

Commissioner

Margustienny

Oemar Ali

Independent

Commissioner

Omar Sjawaldy

Anwar*

Independent

Commissioner

Eddy Hutarso*

Independent

Commissioner

Parikesit Suprapto

Independent

Commissioner

*Subject to Financial Services Authority (OJK) approval

27

Awards

“SWA

Best

Wealth

Creator

2014” Awarded for

Indonesia

Best Public

Companies

Based on

Wealth

Added Index

Method

from SWA

Magazine.

“The

Most

Reliable

Bank” Awarded

for The

Most

Reliable

Bank

(Conventio

nal Bank –

Asset 2)

from Koran

Tempo &

Indonesian

Banking

School.

“Infobank

Titanium

Trophy

2014” Very Good

Financial

Performance

1999-2013

from InfoBank

Magazine.

Financial Category

“Indonesian

Bank Loyalty

Index (IBLI)” Awarded for Saving

Account Conventional

Banking 2014 (Asset

< Rp100 T) from

InfoBank Magazine

and Markplus Insight.

Product Category

“Jaringan

Prima

Awards

2014” Awarded for

The Best

Performance

in Complaint

Handling

2014.

“Banking

Public

Excellence

Awards

2014”

6th Best

Overall

Performance

2014.

“Banking

Service

Excellence

Awards

2014”

The Rising Star

Bank in Service

Exellence 2014.

Awards from PT PLN for: 1.First Rank Category for Total Sheet’s Amounts of

P2APST Transactions 2012

2.First Rank Category for Bank Collection 2012

3.First Rank Category for The Rupiah’s Amounts of

Point of Sales Transactions 2012

4.Fourth Rank Category for The Best Ten Bank

Performance 2012

5.First Rank Category for Total Rupiah’s Amounts of

P2APST Transactions 2012

6.First Rank Category for The Amount of Core

Banking Transaction 2012

Service Category

28

“The Best of

Private

Company

Inhouse

Magazine

2014”

Awarded for the

Best of Private

Company

Inhouse

Magazine 2014

from SPS.

Thank You Contact Us:

Corporate Secretary

corsec@bukopin.co.id

Investor Relations

investor.relations@bukopin.co.id

+62 21 7988266, 7989837 ext. 1108,1117

29

mailto:corsec@bukopin.co.idmailto:investor.relations@bukopin.co.idmailto:investor.relations@bukopin.co.id