PT Bank OCBC NISP Tbk Financial Performance First Nine Months 2014 (Unaudited)

Transcription

1 PT Bank OCBC NISP Tbk Financial Performance First Nine Months 2014 (Unaudited) This report is solely for the use of PT. Bank OCBC NISP Tbk. No part of it may be circulated, quoted, or reproduced for distribution outside the organization without prior written approval from PT. Bank OCBC NISP Tbk. This material was used by PT. Bank OCBC NISP Tbk.during an oral presentation; it is not a complete record of the discussion. 1

2 Agenda First Nine Months Performance Financial Results Corporate Updates Appendix 2

3 Executive Summary NPAT reached Rp 942 billion or increased by 12% YoY in first nine months Total Assets up 23% at Rp 109 trillion. Loans grew 9% YoY to Rp 67 trillion. Deposits grew 26% YoY to Rp 79 trillion. Loan-to-deposit ratio stood at 83.6% Capital adequacy ratio was 19.1%. 3

4 Network Branch 335 Offices Jabotabek, Banten (150) West Java (61) Central Java (24) East Java (34) Bali, Lombok, Sumatera, Kalimantan, Sulawesi, Others (66) Electronic channel ATM, EDC & e-banking 757 ATM OCBC NISP and access to more than 135,000 ATM Network in Indonesia and over 12,000 ATM Network in Singapore and Malaysia 738 EDC OCBC NISP and access to over 308,000 EDC Network e-channel OCBC NISP including internet and mobile banking Call centre Call OCBC NISP Hotline Treasury Corporate Website - 4

5 Income Statement Highlights Rp. billion 9M13 9M14 YoY 1Q14 2Q14 3Q14 QoQ Net Interest Income 2,305 2,772 20% % Non Interest Income (19%) (51%) Operating Income 2,943 3,289 12% 1,135 1,092 1,062 (3%) Operating Expenses (1,638) (1,880) 15% (613) (643) (624) (3%) Pre Provision Operating Profit 1,305 1,409 8% (3%) Provision Expense (186) (152) (18%) (66) (62) (24) (62%) Non Operating Income (Expense) (1) - - (1) Profit Before Tax 1,118 1,257 12% % Net Profit After Tax % % 5

6 Financial Position Highlights Rp. billion 9M13 9M14 YoY 1Q14 2Q14 3Q14 QoQ Placement in other Bank (net) 1) 5,597 12, % 5,545 6,313 12, % Marketable Securities 2) 9,209 16,097 75% 14,357 15,261 16,097 6% Loans (gross) 3) 61,188 66,611 9% 63,571 65,506 66,611 2% Impairment Allowance (1,169) (1,358) 16% (1,289) (1,328) (1,358) 2% Total Assets 88, ,066 23% 94, , ,066 8% Current Account 15,349 12,999 (15%) 11,939 15,477 12,999 (16%) Savings 12,798 11,217 (12%) 10,747 11,157 11,217 1% Time Deposit 34,728 55,245 59% 40,142 44,718 55,245 24% Total Customer Deposits 3) 62,874 79,461 26% 62,828 71,352 79,461 11% Borrowings 2,316 2,437 5% 2,272 2,371 2,437 3% Marketable Securities Issued 3,883 2,918 (25%) 2,915 2,916 2,918 - Subordinated Bonds Total Liabilities 78,894 94,593 20% 80,972 86,418 94,593 10% Equity 9,654 14,473 50% 13,880 14,175 14,473 2% Note: 1) Including Placement in Bank Indonesia 2) Exclude Securities purchase under resale agreement 3) Including Sharia products 6

7 Key Ratios % 9M13 9M14 YoY 1Q14 2Q14 3Q14 QoQ Net Interest Margin Non Int. Income / Operating Income (6.0) (8.9) Cost / Income ROA (0.1) ROE 1) (3.3) Loan / Deposit (13.4) (7.9) Loan / Funding 2) (9.7) (6.7) CASA / Deposit (14.3) (6.8) Secondary Statutory Reserve NPL Gross NPL Net Loan Loss Provision (LLP) / NPL (85.7) (0.9) NOP (2.4) CAR (0.6) Note: 1) The bank s return on equity was lower after the rights issue amounted to Rp 3.5 trillion in Nov ) Funding includes Customer Deposits, Borrowings, Bonds and Medium Term Notes (MTN) 7

8 NIM stood at 4.1% in first nine months 2014 along with diversified Non-Interest Income channels Net Interest Income Rp. billion Non-Interest Income by Type First Nine Months Net Interest Margin 4.1% 4.1% 2, % Net Interest Margin 4.0% 4.1% 4.1% 4.2% Trade Finance 2014: 20% 2013: 14% Credit related 2014: 31% 2013: 18% 2,305 Foreign Exchange Gain (Loss) 2014: (15%) 2013: 23% Others *) 2014: 26% 2013: 20% 9M13 9M Q13 4Q13 1Q14 2Q14 3Q14 Gain from Sale of Marketable securities 2014: 17% 2013: 6% Bancassurance 2014: 11% 2013: 11% Non-Interest Income 2014: Rp 517 billion 2013: Rp 638 billion Deposit Administration 2014: 10% 2013: 8% *) Including Wealth Mgt, Remittance, e-channel and Other fee 8

9 Cost-to-Income Ratio stood at 57.2% in first nine months 2014 Operating Expense and Operating Income Rp. billion 2, % Cost to Income Ratio 3, % 53.1% 53.7% 54.0% 58.8% Cost to Income Ratio 58.9% 1,638 1,880 1,135 1,0 73 1,075 1,092 1,062 38% 6 2 % 40% 6 0 % % % % 61% 61% 58% 60% 59% % % 9M13 9M14 3Q13 4Q13 1Q14 2Q14 3Q14 Operating Income Employee Expense General Administration 9

10 Total loans increased by 9% YoY to Rp 67 trillion on the back of diversified loans growth by sectors Loans Composition Rp. billion Loans by Sector First Nine Months 61,188 21% 37% 63,967 63,571 65,506 66,611 18% 18% 20% 19% 39% 39% 41% 40% Services 2014: 22% 2013: 22% Construction 2014: 2% 2013: 2% Agricultural & mining 2014: 7% 2013: 5% Others *) 2014: 18% 2013: 22% 42% 41% 42% 41% 42% 3Q13 4Q13 1Q14 2Q14 3Q14 Working Capital Investment Consumer Trading 2014: 26% 2013: 25% Outstanding loans 2014: Rp 66,611 billion 2013: Rp 61,188 billion Manufacturing 2014: 25% 2013: 24% Note: Consumer loans includes Employee loan *) Others category Including Consumer loans 10

11 The bank loans were spread over regions which most of economic activities are undertaken Loans by Geography First Nine Months Loans by Currency First Nine Months West Java 2014: 14% 2013: 15% Central Java 2014: 2% 2013: 2% East Java 2014: 9% 2013: 10% Sumatera 2014: 12% 2013: 12% Kalimantan 2014:3% 2013: 3% Rupiah 2014: 71% 2013: 73% Jakarta 2014:57% 2013: 55% Sulawesi & Others 2014: 3% 2013: 3% Foreign currencies 2014: 29% 2013: 27% Outstanding loans 2014: Rp 66,611 billion 2013: Rp 61,188 billion Outstanding loans 2014: Rp 66,611 billion 2013: Rp 61,188 billion 11

12 Gross NPL was recorded at 1.1%, while Net NPL stood at 0.7% Loan Collectibility % of Outstanding loans Loan Loss Provision (LLP) / NPL % Net NPL 0.4% 0.4% 0.4% 0.7% 0.7% , % 1.2% 63, % 0.8% 63, % 1.4% 65, % 0.9% 66, % 1.3% % 98.5% 97.8% 98.0% 97.6% Q13 4Q13 1Q14 2Q14 3Q14 Current Special mention NPL Gross 3Q13 4Q13 1Q14 2Q14 3Q14 General Specific 12

13 Total CASA represent 30.5% of total Third party funds Deposit Composition Rp. billion Deposit and Funding by Currency First Nine Months Rupiah 2014: 58% 2013: 71% 62,874 68,937 62,828 71,352 79,461 Foreign currencies 2014: 42% 2013: 29% 55% 61% 64% 63% 70% Total Deposit 2014: Rp 79,461 billion 2013: Rp 62,874 billion Rupiah 2014: 59% 2013: 69% 21% 16% 17% 15% 14% 24% 23% 19% 22% 16% 3Q13 4Q13 1Q14 2Q14 3Q14 Current Account Savings Time Deposits Foreign currencies 2014: 41% 2013: 31% Total Funding 2014: Rp 85,693 billion 2013: Rp 69,950 billion Note: Funding includes Customer Deposits, Borrowings, Bonds and MTN 13

14 Loan-to-Deposit Ratio stood at 83.6%, while Loan to Funding ratio stood at 77.5% Loans, Third Party Fund and Funding Rp. billion Loan-to-Deposit Ratio 61, % Loan-to-Funding Ratio 87.2% 62,874 69, % 83.7% 68,937 63,967 76, % 92.0% 68,891 63,571 62, % 84.2% 77,516 71,352 65, % 77.5% 85,693 79,461 66,611 3Q13 4Q13 1Q14 2Q14 3Q14 Loans Deposit Funding Note: 1) Funding includes Customer Deposits, Borrowings, Bonds and MTN. 2) Secondary Statutory Reserve was managed at 28.4% level (vs 4% level of minimum requirement) 14

15 Share Price and Credit Ratings Daily share price and trading volume NISP IJ Rating Daily trading volume (Thousand) Share price (Rupiah) PEFINDO Nov 2013 Corporate Rating Continuous Bonds I idaaa / Stable idaaa / Stable Share Price Fitch Ratings April 2014 National Long-term National Short-term AAA (idn) / Stable F1+ (idn) Long-term Foreign Currency BBB / Stable Long-term Local Currency A- / Stable Short-term Foreign Currency F 3 IDR Subordinated Debt Continuous Bonds I Viability Rating Support Rating AA (idn) AAA (idn) bb 2 Source: Bloomberg Valuation Rp. Sep 13 Dec 13 Mar 14 Jun 14 Sep 14 Ownership Structure As of 30 September 2014 Number of shares Ownership Share Price 1,450 1,230 1,340 1,400 1,355 PBV 1.3x 1.1x 1.1x 1.2x 1.1x EPS Quarterly Source: Bloomberg OCBC Overseas 9,760,695, % Investment Pte. Ltd *) Public 1,711,952, % Total 11,472,648, % Note: *) OCBC Overseas Investment Pte. Ltd is owned by OCBC Bank, Singapore. OCBC Bank is Singapore s longest established bank (est. 1912) and one of Asia s leading financial services groups, with group assets of SGD 348 billion as of 30 June 2014 and employs more than 25,000 staff globally and has a banking network of over 530 branches and offices in 18 countries and territories. 15

16 Agenda First Nine Months Performance Financial Results Corporate Updates Appendix 16

17 Business Initiatives Consumer Banking Intensifying Tanda, Taka and Tanda 360 o campaign to acquire more new customers. Intensifying internet and mobile banking campaign to acquire more new users. Launched Tanda Funtastrip program in May Launched Bancassurance product of MaxPrestige Saver, MaxLink and MaxHealth in first semester Launched new mutual funds product such as Schroder Dana Prestasi in February 2014 and BNP Paribas Astro in September SUKUK Negara Ritel Seri 006 Year 2014 Following the success of selling the previous SUKUK series, Bank OCBC NISP again serves as a reseller of the SUKUK Negara Ritel Seri 006 to individual investors. It was successfully selling SUKUK series to both in primary market as well as in secondary market. 17

18 Corporate Social Responsibility As a part of I Love Science (ILS) program, Bank OCBC NISP together with Professor Yohanes Surya visited Cipinang Besar Selatan 19 Pagi Elementary School (SDN CBS 19 Pagi). The event was filled in with math lesson by Professor Yohanes Surya through exciting methods. This ILS program was greatly responded by the children. A number of Bank OCBC NISP volunteers visited the AnkolSchool in Jembatan Tiga area, a non-formal school for those children who are unable to obtain formal education. The volunteers gave some donations to the AnkolSchool, ie. reading books, bookshelves, TVs, CD players, school stationery, and school uniforms for a total of 153 children. Additionally, the volunteers distributed the souvenirs to the children, painted the classroom walls, and installed the school s name board. The Training of Trainers (ToT) ILS program in 2014 was held at OCBC NISP Tower Jakarta, attended by the guests from the Karya Salemba Empat Foundation (KSE), the Sekolah Tinggi Keguruan dan Ilmu Pendidikan (STKIP) Surya, and the ILS teachers who are ready for training, the students from University of Indonesia (UI), State University of Jakarta (UNJ), Agricultural University of Bogor (IPB), STKIP Surya and 10 teachers from representative elementary school in Jabodetabek. 18

19 Corporate Social Responsibility (Cont d) The workshop took place at Anggrek Campus - Bina Nusantara University, Jakarta. The One Day Workshop successfully attracted 94 students to participate. Carrying the theme Wealth Management in A Simple Way, the workshop was expected to educate the students about banking in general, current good wealth management, and careers in banking industry. On its 73 rd Anniversary, Bank OCBC NISP conducted a CSR program Bicycle Donations, themed Millions of Thanks to You Teacher in 37 cities accross Indonesia. This program was conducted as a form of appreciation to the teachers in both cities and villages, from Sumatra to Sulawesi. Together with OCBC Bank Singapore and Bank of Singapore, Bank OCBC NISP conducted a CSR program, themed Clean Water for Sabira, in Sabira Island, a part of Thousand Islands. This CSR program was meant to provide clean water, build the public bathing, washing and toilet facilities, and also repair the school building for early childhood education in Sabira Island. 19

20 Corporate Social Responsibility (Cont d) The I Love Science 2014 program (ILS) has officially closed after ongoing since February In the closing ceremony, which took place at OCBC NISP Tower, Bank OCBC NISP awarded the best students and tutors in the ILS program as a form of appreciation. Besides, Bank OCBC NISP also awarded 10 elementary schools, who have been supporting and participating in ILS program, by giving each of the school a set of megaphone and DVD player to support the students learning activities in school. Bank OCBC NISP held a social event to give the nine basic needs (sembako) to the people around the office s neighborhood. This regular event, which is held on yearly basis, is a manifest of social responsibility and gratitude from OCBC NISP bank on its achievements. The give-away of the nine basic needs event was held in Jakarta, Bandung, and Surabaya with a total of 2,100 packages. YES Competition Award 2014 took place at Bank OCBC NISP Tower, whereby the 5 winners of YES Competition 2014 were awarded in this event. Each winner received a prize of Tabungan TANDA OCBC NISP. In addition, Bank OCBC NISP also invited some successful entrepreneurs to become the guest speakers so that they could share their stories with the future entrepreneurs. 20

21 Corporate Social Responsibility (Cont d) Bank OCBC NISP organized the One Day Workshop (ODW) program, themed Wealth Management In a Simple Way, for students in Bandung. The workshop took place at OCBC NISP Learning Center (ONLC) Bandung. As many as 85 students from three universities in Bandung; Parahyangan University, Widyatama University, and Maranatha University, joined this program. 21

22 Accolades. Islamic Finance Award 2014 for Top Growth Financing, Top Growth Funding, dan The Best Sharia Unit category, under the group of bank with assets of less than Rp 1 trillion, KARIM Business Consulting... The 2014 Indonesian Bank Loyalty Award in category of Savings Account Conventional Banking with assets under Rp 100 trillion, Mark Plus Insight. Asia s Best Companies 2014 Award in category of Best Managed Companies (ranked 6 th ), Finance Asia Magazine. Anugerah Seabad Indonesia 2045 Bank OCBC NISP was awarded for its existence and sustainability in Indonesia Banking Industry for more than three generations, Pusat Data Bisnis Indonesia (PDBI). 22

23 Accolades (Cont d).. League of American Communication Professionals Platinum Award Vision Award Annual Report Competition. Infobank Magazine - Jakarta Platinum Trophy 2014 for "Excellent" Financial Performance Asian Banking & Finance Magazine, Singapore Indonesia Domestic Foreign Exchange Bank of The Year 2014 Asian Banking & Finance Magazine, Singapore - Online Banking Initiative of The Year Indonesia Asian Banking & Finance Magazine, Singapore Social Responsibility Program of The Year Bronze Asian Banking & Finance Magazine, Singapore SME Bank of The Year Indonesia 23

24 Supports from Controlling Shareholder Human Capital Team-up Senior executive OCBC Bank Singapore in Board of Commissioners and Board of Directors OCBC NISP. Transfer knowledge throughout comprehensive training program, business event, comparative studies, job attachment and guest auditors. Build service excellence culture. Others Provide strong capital support. Create synergy in better supporting financing and transaction service needs for customers. Enhance infrastructure, information technology & branch networks. Broaden conventional and Islamic banking product suite. Bolster process improvement throughout Quality projects. Link-up ATM in Singapore and Indonesia. 24

25 Agenda First Nine Months Performance Financial Results Corporate Updates Appendix 25

26 Vision and Mission Vision To be the Bank of choice with world-class standards, recognized for its caring and trustworthiness. Mission Bank OCBC NISP will conduct its business and will operate as an honorable corporate citizen that grows together with the society in a sustainable manner. 26

27 Fact of OCBC NISP Fourth oldest bank in Indonesia was incorporated in Listed its shares on Indonesia Stock Exchange in Has survived through any Indonesia economic crisis. Transformed the entire organization subsequent to adopted a new name PT Bank OCBC NISP Tbk. by the end The Indonesia s seventh largest private bank by the end of June Strong business acumen with focus on serving consumer, small and medium enterprises. Currently employs 6,684 dedicated staff to serve customers in 59 cities across Indonesia throughout 335 offices and 757 ATMs. The merger with Bank OCBC Indonesia was completed on 7 February 2011 resulting in one single banking entity and franchise for the group in Indonesia. Solid financial performance with strong capital support from OCBC Bank Singapore. 27

28 Board of Commissioners as of 30 September 2014 Pramukti Surjaudaja Chairman Chairman, Board of Commissioners, Bank OCBC NISP since 2008 President Director Bank OCBC NISP ( ) Council Member, International & East Asia Council, INSEAD, France, since 2006 Non Executive Director at OCBC Bank-Singapore since 2004 Peter Eko Sutioso Deputy Chairman Deputy Chairman of Bank OCBC NISP since 1998 Commissioner Bank OCBC NISP ( ) Director of Bank OCBC NISP ( ) Active in Perbanas (Indonesian Banking Association) West Java as Chairman of Perbanas West Java ( ), and active in BMPD West Java ( ) Roy Athanas Karaoglan Independent Commissioner Independent Commissioner of Bank OCBC NISP since 2003 As Banking Consultant since Consultant for IFC ( ) Associate Director of Credit Review Department, IFC ( ) Chief Banking Specialist of Central Capital Markets Department, IFC ( ) Lai Teck Poh (Dua Teck Poh) Commissioner Commissioner of Bank OCBC NISP since 2008 Non Executive Director in OCBC Bank (Malaysia) Bhd since 2011 Director in OCBC Bank Ltd since April 2011 OCBC Bank Ltd ( ) with latest management position as Head, Group Audit Managing Director, Citicorp Investment Bank (Singapore) Ltd ( ) Jusuf Halim Independent Commissioner Independent Commissioner of Bank OCBC NISP since 2006 Chairman of the Audit Committee of Bank OCBC NISP since February 2011 Member of National Council Board-the Indonesian Institute of Accountants since 2010 Member of Honorary Board-the Indonesian Institute of Audit Committee since 2010 Kwan Chiew Choi Independent Commissioner Independent Commissioner Bank OCBC NISP since 2011 Independent Commissioner of Bank OCBC Indonesia ( ) Senior Vice President, Head Credit Control and Approval, OCBC Bank Ltd ( ) Loans Department Manager of Sumitomo Bank Ltd, Singapore Branch ( ) Samuel Nag Tsien Commissioner Commissioner of Bank OCBC NISP since 2012 Director of Wing Hang Bank, Limited since August 2014 Director of Mappletree Investments Pte. Ltd. since March Chairman of the Association of Banks in Singapore since June 2013 Joined OCBC Bank Ltd in 2007 and appointed as Group Chief Executive Officer since April 2012 and as Director since February 2014 Director of OCBC Bank (Malaysia) Berhard, OCBC Al-Amin Bank Berhard, Great Eastern Holdings Ltd, and OCBC Overseas Investments Pte. Ltd since April 2012 Chairman of OCBC Bank (China) Ltd. since October 2012 President and Chief Executive Officer of Bank of Amerika (Asia) Hongkong, from Hardi Juganda Commissioner Commissioner of Bank OCBC NISP since May 2012 Director Bank OCBC NISP (1997-May 2012) Head Positions in various branches and divisions of Bank OCBC NISP ( ) 28

29 Board of Directors as of 30 September 2014 Parwati Surjaudaja President Director & CEO President Director of Bank OCBC NISP since December 2008 Deputy President Director Bank OCBC NISP ( ) Director of Bank OCBC NISP ( ) Rama Pranata Kusumaputra Managing Director Director of Bank OCBC NISP since 2006 Assistant Director of Bank OCBC NISP ( ) Region II Coordinator of Bank OCBC NISP ( ) Has experience in various positions in Bank Bali ( ) with last position as General Manager Yogadharma Ratnapalasari Managing Director Director of Bank OCBC NISP since 2003 Assistant Director Bank OCBC NISP ( ) Commissioner of PT NISP Sekuritas ( ) Head Positions in various divisions of Bank OCBC NISP ( ) Emilya Tjahjadi Managing Director Director of Bank OCBC NISP since 2011 Director of Bank OCBC Indonesia ( ) SVP and Head Commercial Banking MME at HSBC, Jakarta ( ) American Express Bank Ltd., Jakarta ( ) with last position as Director of Corporate Banking Standard Chartered Group, Jakarta & Singapore ( ) with last position as Senior Relationship Manager Andrae Krishnawan W. Managing Director Director of Bank OCBC NISP since 2013 Senior Corporate Executive Bank OCBC NISP ( ) Assistant Director of Bank OCBC NISP ( ) The Staff Director Bank OCBC NISP ( ) Has experience in various positions in Bank International Indonesia ( ) with last position as Regional Head for the last 7 years Hartati Managing Director Director of Bank OCBC NISP since 2011 Chief Financial Officer of Bank OCBC NISP ( ) Assistant Director of Bank OCBC NISP ( ) Accounting & Finance Division Head Bank OCBC NISP ( ) General Manager Bank OCBC NISP ( ) Bank Mandiri ( ) with last position as Accounting Group Head (Senior Vice President) Bank Bali ( ) with last position as Financial Control Department Head (Vice President) Martin Widjaja Managing Director Director of Bank OCBC NISP since 2012 SVP & Head of International and Large Local Corporation in HSBC ( ) Senior Vice President, Commercial Banking, HSBC ( ) Vice President, Commercial Banking ( ) and Corporate & Institutional Banking ( ), HSBC Assistant Vice President Corporate & Institutional Banking, HSBC ( ) Manager Corporate Banking, HSBC Surabaya ( ) Johannes Husin Managing Director Director of Bank OCBC NISP since 2013 Treasurer Bank OCBC NISP ( ) Executive Vice President, Head of Trading & Sales Bank Danamon ( ) Executive Director JP Morgan Chase Bank ( ) Senior Vice President, Head of Trading Bank Danamon ( ) Vice President, Senior Interest Rate Trader-Standard Chartered Bank ( ) Currency Forward Trader-ABN Amro Bank ( ) Foreign Exchange Trader-Bank Dagang Nasional Indonesia ( ) 29

30 Board of Directors as of 30 September 2014 (Cont d) Joseph Chan Fook Onn Managing Director Director of Bank OCBC NISP since 2014 OCBC Group Risk Management (Feb-Mar 2014) Head of Internal Audit Division, OCBC Bank Malaysia Bhd (2010-Jan 2014) Head of Internal Audit Division, Bank OCBC NISP Jakarta ( ) Senior Audit Manager Consumer Credit Review, OCBC Bank Singapore ( ) Audit Manager, Standard Chartered Bank Singapore ( ) Have more than 19 years banking experience especially in Internal Audit. Low Seh Kiat (Thomas) Managing Director Director of Bank OCBC NISP since 2013 National Emerging Business Head Bank OCBC NISP ( ) Vice President, Business Head of Emerging Business OCBC Bank, Singapore ( ) VP, Head of Program Management & Marketing OCBC Bank, Singapore ( ) VP-GE Commercial Financing (S) Ltd, Singapore ( ) Has experience in various head positions in Heller Factoring (S) Ltd, Singapore ( ) and Heller Asia Capital (S) Ltd, Singapore ( ) Sales Manager D&D International Enterprise Ltd, USA ( ) 30

31 Corporate Development PT. Bank OCBC NISP Tbk OCBC NISP Tower, 15 th Floor Jl. Prof. Dr. Satrio Kav. 25, Jakarta Phone : Fax : Website : ir@ocbcnisp.com 31