Commonwealth Bank Of Australia · ASX:CBA
Commonwealth Bank Of Australia — PT Bank Commonwealth — Investor Presentation (March 2006)
20 slides from Commonwealth Bank Of Australia's investor presentation, Mar 6, 2006
Slide 1: Asian Tour
Asian Tour PT Bank Commonwealth Presentation Symon Brewis-Weston President Director Jakarta 6 March 2006
Slide 2: History of PT Bank Commonwealth (PTBC)
History of PT Bank Commonwealth (PTBC) CBA enters 50/50 joint venture with Bank International Indonesia CBA achieves majority ownership « launches PT Bank Commonwealth PT Bank Commonwealth commences operations Launches first mutual fund (Dana Premium Money Market Fund) Second branch office opened Co
Slide 3: Vision
Vision “To be respected as the best financial services provider of choice in its chosen market.” a Target Market: mass affluent Indonesian families and their businesses and Australian related companies Commonweaith Bank “y 3
Slide 4: Focus on Family Services
Focus on Family Services The Bank’s focus is to provide excellent customer service, delivered through an integrated service model Customer Profiles Customer Needs
Slide 5: Branches/ Outlets
Branches/ Outlets Number of Branches 2001 2002 2003 2004 2005 2006 * Note YTD only. Including outlets total 20
Slide 6: Deposits / Investments Growth
Deposits / Investments Growth Deposits & Investments Growth (In IDR mio) 6,000,000 - Market Shares: 5,000,000 - Deposits (Nov 2005): 0.38% Investments (Dec 2005): 3.26% 4,000,000 7 Source: Bank Indonesia | Bapapem 3,000,000 | 2,000,000 + 1,000,000 - oe 2001 2002 2003 2004 2005 ] Deposits | investmen
Slide 7: Lending Growth
Lending Growth {In IDR mio) 1,200,000 1,000,000 800,000 600,000 400,000 200,000 Lending Book Lending market share (Nov 2005): 2.60% JV Banks only ~ Source Bank Indonesia 2001 2002 2003 2004
Slide 8: Customer Growth
Customer Growth Number of Customers 120,000 - 90,000 - 60,000 + 30,000 + 2001 2002 2003 2004 2005 Commonweaith Bank “y 8
Slide 9: Financials
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) 0 Net Profi
Slide 10: Risk Profile
Risk Profile Credit 0.4% &s 22.9% 18.5% 29.0% 1.9% Corporate Bonds (0.4%) Government Bonds (27.2%) ax BI Certificates (29.0%) = SME (1.9%) = Personal/Retail Customers (18.5%) Interbank Placement (22.9%) 99% Wholesale (1%) = Retail (99%)
Slide 11: Core Products
Core Products Andriaan Laoh Director of Marketing and Strategy Jakarta 6 March 2006
Slide 12: Personal Banking Services
Personal Banking Services w Deposits: » AusStudent CommWealth » Investments: Structured Notes Secured Forwards Mutual Funds BancAssurance » Loans: Home Financing « Car Financing » Services: » ATM Safe Deposit Box _ Gonmonwealth 2a “y 42
Slide 13: Business and Structured Products
Business and Structured Products » Loans: Overdrafts Short term demand loans Medium term instalment loans = Guarantees: w Bid bond Payment bond Performance bond “ Transactional: Payroll Domestic remittances » International remittances Clean and documentary collections _ Gonmonwealth 2a “y 43
Slide 14: Treasury Products
Treasury Products » Foreign Exchange: Spot Forward Forward Linked Deposit Currency Linked Deposit w Dual Currency Deposit: plain vanilla, knock in Double No Touch Deposit w Money Market Time Deposit SBI Link (Primary and Secondary) SBI Premium _ Gonmonwealth 2a “y 44
Slide 15: Customer Service
Customer Service Noersing Noeraini Chief of Sales and Service Jakarta 6 March 2006
Slide 16: Service Focus / Leverage
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
Slide 17: Banking Platform
Banking Platform Preditha Dewi Director of Operations Jakarta 6 March 2006
Slide 18: New Core Banking Platform
New Core Banking Platform Securities | | Payments oe Deposits ia
Slide 19: CORINA Key Capabilities
CORINA Key Capabilities 24x7 Integrated and Real time = Straight Through Processing Multi company — Multi Currency — Multi Lingual e Functional flexibility User friendly = Single Platform — Multi Business = Customer Centric - Modular, Parameterize, Flexible = Open Framework w Performance : Scalable,
Slide 20: Asian Tour
Asian Tour PT Bank Commonwealth Presentation Jakarta 6 March 2006
PT Bank Commonwealth — Investor Presentation (March 2006) on 6ix