pt bank ocbc nisp tbk financial performance first quarter 2015 · pt bank ocbc nisp tbk financial...

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PT Bank OCBC NISP Tbk

Financial Performance – First Quarter 2015 (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.

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• First Quarter Performance

• Financial Results

• Corporate Updates

• Appendix

Agenda

3 3

Executive Summary

• NPAT reached Rp 372 billion or rose by 9% YoY in first quarter 2015.

• Total Assets up 21% at Rp 115 trillion.

• Loans expanded by 10% YoY to Rp 70 trillion.

• Deposits grew 31% YoY to Rp 82 trillion.

• Loan-to-deposit decreased to 84.6%, while Loan-to-funding ratio was 76.4%.

• Gross NPL stood at 1.4% and Net NPL was 0.8%.

• Capital Adequacy Ratio stood at 19.2%.

• Network coverage with 337 offices and 764 ATM OCBC NISP.

4 4

Network

Branch 337 Offices

Electronic channel ATM, EDC & e-Banking

Call centre

• Jabotabek, Banten (150)

• West Java (61)

• Central Java (24)

• East Java (34)

• Bali, Lombok, Sumatera, Kalimantan,

Sulawesi, Others (68)

• 764 ATM OCBC NISP and access

to more than 142,000 ATM Network

in Indonesia and over 12,000 ATM

Network in Singapore and Malaysia

• 728 EDC OCBC NISP and access

over 357,000 EDC Network

• e-Channel OCBC NISP including

internet and mobile banking

• Call OCBC NISP 500-999

• Hotline Treasury 08001 111 898

• Corporate Website -

www.ocbcnisp.com

http://www.ocbcnisp.com/

5 5

Income Statement Highlights

Rp Billion 1Q14 4Q14 1Q15 QoQ YoY

Net Interest Income 907 973 981 1% 8%

Non Interest Income 228 226 201 (11%) (12%)

Operating Income 1,135 1,199 1,182 (1%) 4%

Operating Expenses (613) (610) (649) 6% 6%

Pre Provision Operating Profit 522 589 533 (9%) 2%

Provision Expenses (66) (69) (37) (46%) (44%)

Non Operating Expense (1) - - - NM

Profit Before Tax 455 520 496 (5%) 9%

Net Profit After Tax 341 390 372 (5%) 9%

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Financial Position Highlights

Rp Billion 1Q14 4Q14 1Q15 QoQ YoY

Placement in other Bank (gross) 1) 5,545 3,908 12,341 216% 123%

Marketable Securities (gross) 2) 14,361 18,029 18,869 5% 31%

Loans (gross) 3) 63,571 68,363 69,971 2% 10%

Impairment Allowance (1,289) (1,430) (1,476) 3% 14%

Total Assets 94,852 103,123 115,022 12% 21%

Current Account 11,939 14,025 13,275 (5%) 11%

Savings 10,747 11,250 11,423 2% 6%

Time Deposit 40,142 47,530 57,716 21% 44%

Total Customer Deposits 3) 62,828 72,805 82,414 13% 31%

Borrowings 2,272 2,477 2,615 6% 15%

Marketable Securities Issued 2,915 2,920 5,384 84% 85%

Subordinated Bonds 876 877 877 - NM

Total Liabilities 80,972 88,216 99,692 13% 23%

Equity 13,880 14,907 15,330 3% 10%

Note: 1) Including Placement in Bank Indonesia 2) Exclude Securities purchase under resale agreement 3) Including Sharia products

7 7

Key Ratios

% 1Q14 4Q14 1Q15 QoQ YoY

Net Interest Margin 4.1 4.2 3.8 (0.4) (0.3)

Non Int. Income / Operating Income 20.1 18.9 17.0 (1.9) (3.1)

Cost / Income 54.0 50.9 54.9 4.0 0.9

ROA 1.9 2.1 1.8 (0.3) (0.1)

ROE 10.1 11.1 9.9 (1.2) (0.2)

Loan / Deposit 100.8 93.6 84.6 (9.0) (16.2)

Loan / Funding 92.0 86.2 76.4 (9.8) (15.6)

CASA / Deposit 36.1 34.7 30.0 (4.7) (6.1)

Secondary Statutory Reserves 29.2 30.7 29.8 (0.9) 0.6

NPL – Gross 0.8 1.3 1.4 0.1 0.6

NPL – Net 0.4 0.8 0.8 - 0.4

Loan Loss Provision (LLP) / NPL 268.9 156.3 151.9 (4.4) (117.0)

NOP 2.2 1.0 1.7 0.7 (0.5)

CAR 19.9 18.7 19.2 0.5 (0.7)

Note:

1) Loan-to-Deposit calculation according to guideline from Bank Indonesia

2) Funding includes Customer Deposits, Borrowings, Bonds and Medium Term Notes (MTN)

1)

2)

Non-Interest Income 2015: Rp 201 billion

2014: Rp 228 billion

907898

967973

981

1Q14 2Q14 3Q14 4Q14 1Q15

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NIM stood at 3.8% in the first quarter of 2015 along with

diversified Non-Interest Income channels

Net Interest Income Rp Billion

Trade Finance

2015: 18%

2014: 16%

Deposit

Administration

2015: 8%

2014: 7%

Bancassurance

2015: 9%

2014: 6%

Foreign

Exchange Gain

(Loss)

2015: (18%)

2014: 2%

Others *)

2015: 30%

2014: 18%

Gain from Sale

of Marketable

securities

2015: 32%

2014: 12%

Non-Interest Income by Type First Quarter

Credit related

2015: 21%

2014: 39%

*) Including Wealth Mgt, Remittance, e-channel and Other fee

4.1% 4.1% 4.2% 4.2%3.8%

Net Interest

Margin

1,0621,0921,135 1,199 1,182

649610624643613

1Q14 2Q14 3Q14 4Q14 1Q15

59% 61% 60% 56% 60%

40%44%41%40%39%

9

54.9%

50.9%

58.9%58.8%

54.0%

Cost to

Income Ratio

▼

Operating Expense and Operating Income Rp Billion

Operating Income Employee Expenses General Administration Expenses

Cost-to-Income Ratio stood at 54.9% in the first quarter of

2015

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Total loans increased by 10% YoY to Rp 70 trillion on the

back of diversified loans growth

41%42%42%41%42%

39% 41% 40% 41% 42%

19%18% 18%

17% 17%

1Q14 2Q14 3Q14 4Q14 1Q15

Working Capital Investment Consumer

Loans Composition Rp Billion

Note: Consumer loans includes Employee loan

Agricultural

& mining

2015: 8%

2014: 7%

Services

2015: 21%

2014: 22%

Manufacturing

2015: 25%

2014: 25%

Trading

2015: 27%

2014: 25%

Others *)

2015: 17%

2014: 19%

Construction

2015: 2%

2014: 2%

Loans by Sector First Quarter

Outstanding loans 2015: Rp 69,971 billion

2014: Rp 63,571 billion

*) “Others” category Including Consumer loans

63,571 65,506

69,971 66,611 68,363

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Loans by Geography First Quarter

Central Java

2015: 2%

2014: 2%

East Java

2015: 9%

2014: 10%

Sulawesi

& Others

2015: 3%

2014: 3%

Jakarta

2015: 58%

2014: 56%

Kalimantan

2015: 3%

2014: 3%

West Java

2015: 14%

2014: 14%

Sumatera

2015: 11%

2014: 12%

Rupiah

2015: 71%

2014: 71%

Foreign

currencies

2015: 29%

2014: 29%

Loans by Currency First Quarter

The bank loans were spread over regions which most of

economic activities are undertaken


2014: Rp 63,571 billion


2014: Rp 63,571 billion

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0.4%

0.7% 0.7%0.8% 0.8%

97.3%97.8%97.6%98.0%97.8%

1.3%0.9%1.3%0.9%

1.4%

1.4%1.3%

1.1%1.1%0.8%

1Q14 2Q14 3Q14 4Q14 1Q15

Current Special mention NPL Gross

Loan Collectibility % of Outstanding loans

63,571

219.2

139.8 139.8115.9 111.3

49.7

41.4 40.5

40.4 40.6

1Q14 2Q14 3Q14 4Q14 1Q15

General Specif ic

Loan Loss Provision (LLP) / NPL %

Gross NPL recorded at 1.4%, while Net NPL stood at

0.8%

Net NPL

268.9

65,506

180.3

66,611

181.2

69,971

151.9

68,363

156.3

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Total CASA represent 30% of total Third party deposits

19% 22% 16% 19% 16%

17%15%

14% 16% 14%

64%

63%70%

65%70%

1Q14 2Q14 3Q14 4Q14 1Q15

Current Account Savings Time Deposits

Deposit Composition Rp Billion

62,828

Deposit and Funding by Currency First Quarter

Rupiah

2015: 62%

2014: 69%

Foreign

currencies

2015: 38%

2014: 31%

Total Deposit 2015: Rp 82,414 billion

2014: Rp 62,828 billion

82,414

Rupiah

2015: 63%

2014: 68%

Foreign

currencies

2015: 37%

2014: 32% Total Funding

2015: Rp 91,290 billion

2014: Rp 68,891 billion

Note: Funding includes Customer Deposits, Borrowings, Bonds and MTN

71,352

79,461

72,805

14

76.4%

86.2%

77.5%

84.2%

92.0%

84.6%

93.6%

83.6%

91.5%

100.8%

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Loan-to-Deposit Ratio

▼

Loans, Third Party Fund and Funding Rp Billion

63,571 65,506 66,611 68,363 69,971

62,828

71,352

79,461

72,805

82,414

68,891

77,516

85,69379,079

91,290

1Q14 2Q14 3Q14 4Q14 1Q15

Loans Deposit Funding

Note:

1. 1) Funding includes Customer Deposits, Borrowings, Bonds and MTN.

2. 2) Secondary Statutory Reserve was managed at 29.8% level (vs 4% level of minimum requirement)

Loan-to-Funding Ratio

▼

Loan-to-Deposit Ratio stood at 84.6 %, while Loan-to-Funding

Ratio was recorded at 76.4% at the end of 1Q15.

500

750

1,000

1,250

1,500

1,750

-

2,000

4,000

6,000

8,000

10,000

12,000

14,000

16,000

Apr-14 Jul-14 Oct-14 Jan-15 Mar-15

15 15

Rating

PEFINDO

Nov 2014

Corporate Rating idAAA / Stable

Continuous Bonds I idAAA / Stable

Fitch Ratings

April 2015

National Long-term AAA (idn) / Stable

National Short-term F1+ (idn)

Long-term Foreign Currency

Long-term Local Currency

BBB / Stable

A- / Stable

Short-term Foreign Currency F 3

IDR Subordinated Debt AA (idn)

Continuous Bonds I

Viability Rating

Support Rating

AAA (idn)

bb

2

Share Price and Credit Ratings

Daily share price and trading volume NISP IJ

Source: Bloomberg

Share price (Rupiah) Daily trading volume (Thousand)

Ownership Structure

As of 31 March 2015

Number of

shares

Ownership

OCBC Overseas

Investment Pte. Ltd*)

9,760,695,612

85.1%

Public 1,711,952,874 14.9%

Total 11,472,648,486 100.0%

Valuation Rp.

Mar 14 Jun 14 Sep 14 Dec 14 Mar 15

Share Price 1,340 1,400 1,355 1,360 1,400

PBV 1.1x 1.2x 1.1x 1.1x 1.1x

EPS Quarterly 31 30 25 27 34

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 401 billion as of 31 December 2014 and employs more than 29,000 staff globally and

has a banking network of over 630 branches and offices in 18 countries and territories.

Share Price

▼

Source: Bloomberg

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• Appendix

Agenda

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Business Initiatives

Consumer Banking

– Intensifying Tanda, Taka and Tanda 360o campaign to acquire more new customers.

– Intensifying internet and mobile banking campaign to acquire more new users.

– Launched Bancassurance products in collaboration with PT Asuransi Buana Independent on 20th

January 2015.

SUKUK Negara Ritel Seri 007 Year 2015

Following the success of selling the previous SUKUK series, Bank OCBC NISP again serves as a

reseller of the SUKUK Negara Ritel Seri 007 to individual investors. It was successfully selling

SUKUK series to both in primary market as well as in secondary market.

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Corporate Action

Continuous Public Offering Bonds I OCBC NISP Phase

II Year 2015

• To diversify funding, Bank OCBC NISP raised Rp 3.0

trillion through the Continuous Public Offering Bonds

OCBC NISP Phase II Year 2015. The bonds issued in 3

series, namely:

– Series A for a term 370 days in the amount Rp 1,095

billion with a 9.0% interest rate,

– Series B for a term 2 years in the amount Rp 670 billion

with a 9.4% interest rate,

– Series C for a term 3 years in the amount Rp 1,235

billion with a 9.8% interest rate.

• The proceeds will be used entirely for loans expansion.

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Corporate Social Responsibility

• Bank OCBC NISP held a school field trip program for 67

kindergarten students from TK Raudhotul Athfal (RA) Nurussalam

Karet Kuningan, Jakarta Selatan, themed “AYO ke BANK –

Bermain sambil Belajar”. This program aims at facilitating

financial education to the people, particularly the young generation

of early school years. This program is also supported by the

Financial Services Authority (Otoritas Jasa Keuangan - OJK) in

providing financial literacy to the society.

• Ten of college students from various majors at Multi Data

Palembang campus joined the One Day Workshop (ODW)

program, which carried a theme ”Challenges and Opportunities

in AEC 2015”. The purpose of the workshop is to educate the

students about how to face the ASEAN Economic Community

(AEC) 2015 era where there are tight competitions in the global

economy such as banking, finance, and human resource.

• As many as 68 students from three universities in Jakarta; Bina

Nusantara University, University of Indonesia, and Prasetiya Mulia

University participate ODW Program 2015, which carried the theme

”Challenges and Opportunities in AEC 2015”. The purpose of

the workshop is to educate (sharing) the students about how to

face the ASEAN Economic Community (AEC) 2015 era where

there are tight competitions in the global economy such as banking,

finance, and human resource.

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Corporate Social Responsibility (Cont’d)

• Commemorating the 74th anniversary, a number of Bank OCBC

NISP employees, Mrs. Parwati Surjaudaja, and Mr. Rama P.

Kusumaputra joined in the CSR program which was held in the

Kampung Nelayan, Kali Adem, Muara Angke, North Jakarta. The

program carried a theme of “Prosperous Fishermen, Victory in

Maritime”. This social event is in line with the government

program to reach Indonesian goal to be the victor in the maritime

industry.

• The Chairman of Bank OCBC NISP, Mr Pramukti Surjaudaja,

visited University of Indonesia on 24th February 2015 as a guest

speaker in a program, themed “Creating Young Profesionalism

in the Banking Industry.” Subsequently, he also became the

guest speaker in the same program being held at De Vries

Bandung, which was attended by students from Parahyangan

University, Maranatha University and Institute Technology

Bandung, on 2nd March 2015.

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Accolade

.

The Best 3 Corporate Web Award 2015

For banking industry category in Multinational Corporation

Web Award 2015 by Investor Daily and Berita Satu

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Human

Capital

Others

• 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.

• 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.

Supports from Controlling Shareholder

23




• Appendix

Agenda

24

Vision and Mission

Vision

Mission

To be the Bank of choice with world-class standards, recognized for

its caring and trustworthiness.

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.

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• Fourth oldest bank in Indonesia was incorporated in 1941.

• Listed its shares on Indonesia Stock Exchange in 1994.

• 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 2008.

• The Indonesia’s eighth largest private bank by the end of December 2014.

• Strong business acumen with focus on serving consumer, small and medium

enterprises.

• Currently employs 6,736 dedicated staff to serve customers in 60 cities across Indonesia

throughout 337 offices and 764 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.

Fact of OCBC NISP

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Board of Commissioners as of 31 March 2015 Pramukti Surjaudaja

Chairman – Chairman, Board of Commissioners, Bank OCBC NISP since 2008

– President Director Bank OCBC NISP (1997-2008)

– Director of Bank OCBC NISP (1989-1997)

– Commissioner of Bank OCBC Indonesia (1997-2000)

– 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 (1997-1998)


– Active in Perbanas (Indonesian Banking Association) West

Java as Chairman of Perbanas West Java (1983-1988), and

active in BMPD West Java (1977-1990)

Roy Athanas Karaoglan

Independent Commissioner – Commissioner of Bank OCBC NISP since 2003

– As Banking Consultant since 2003.

– Consultant for IFC (2000-2011)

– Associate Director of Credit Review Department, IFC (1998-2000)

– Senior Banking Advisor of IFC (1997-1998)

– Chief Banking Specialist of Central Capital Markets Department,

IFC (1991-1997)

– Senior Banking Specialist for Africa, World Bank (1989-1991)

Jusuf Halim

Independent Commissioner – Independent Commissioner of Bank OCBC NISP since 2006

– Chairman of CPA Examination Board, the Indonesian Institute of

Accountants (2003-2006)

– Chairman of Financial Accounting Standards Committee (1994-

1998)

– Member of Advisory Board, the Indonesian Tax Accountants

Compartment (2014-2016)

– Member of Honorary Board-the Indonesian Institute of Audit

Committee (2013-2016)

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 2010

– OCBC Bank Ltd (1988-2010) with latest management

position as Head, Group Audit

– Managing Director, Citicorp Investment Bank (Singapore)

Ltd (1986-1987)

Kwan Chiew Choi

Independent Commissioner – Commissioner Bank OCBC NISP since 2011

– Independent Commissioner of Bank OCBC Indonesia (2008-

2010)

– Senior Vice President & Head Credit Control and Approval,

OCBC Bank Ltd (1987-2008)

– Vice President of Corporate Banking, First National Bank of

Chicago (Singapore) (1984-1987)

– Loans Department Manager of Sumitomo Bank Ltd,

Singapore Branch (1973-1982)

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 2014.

– 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, from1995-2006

Hardi Juganda

Commissioner – Commissioner of Bank OCBC NISP since July 2012

– Director Bank OCBC NISP (1997-May 2012)

– Head Positions in various branches and divisions of Bank

OCBC NISP (1985-1997)

27

Parwati Surjaudaja

President Director & CEO – President Director of Bank OCBC NISP since December 2008

– Deputy President Director Bank OCBC NISP (1997-2008)


Board of Directors as of 31 March 2015

Yogadharma Ratnapalasari

Managing Director – Director of Bank OCBC NISP since 2003

– Assistant Director Bank OCBC NISP (1997- 2002)

– Commissioner of PT NISP Sekuritas (2000-2003)

– Head Positions in various divisions of Bank OCBC NISP

(1988-1997)

Rama Pranata Kusumaputra


– Assistant Director of Bank OCBC NISP (2005-2006)

– Region II Coordinator of Bank OCBC NISP (2001-2005)

– Has experience in various positions in Bank Bali (1990-2000)

with last position as General Manager

Emilya Tjahjadi


– Director of Bank OCBC Indonesia (2009-2010)

– SVP and Head Commercial Banking MME at HSBC, Jakarta

(2003-2009)

– American Express Bank Ltd., Jakarta (1996-2002) with last

position as Director of Corporate Banking

– Standard Chartered Group, Jakarta & Singapore (1991-1996) with

last position as Senior Relationship Manager

Hartati


– Chief Financial Officer of Bank OCBC NISP (2010-2011)


– Accounting & Finance Division Head Bank OCBC NISP

(2006-2008)

– General Manager Bank OCBC NISP (2005-2006)

– Bank Mandiri (2001-2005) with last position as Accounting

Group Head (Senior Vice President)

– Bank Bali (1984-2000) with last position as Financial Control

Department Head (Vice President)

Andrae Krishnawan W.


– Senior Corporate Executive Bank OCBC NISP (2009-2013)


– The Staff Director Bank OCBC NISP (2006-2007)

– Has experience in various positions in Bank International

Indonesia (1991-2006) with last position as Regional Head for

the last 7 years

Martin Widjaja


– SVP & Head of International and Large Local Corporation in

HSBC (2010-2012)

– Senior Vice President, Commercial Banking, HSBC (2006-

2010)

– Vice President, Commercial Banking (2004-2006) and

Corporate & Institutional Banking (2003-2004), HSBC

– Assistant Vice President Corporate & Institutional Banking,

HSBC (2002-2003)

– Manager Corporate Banking, HSBC Surabaya (2000-2002)

Johannes Husin


– Treasurer Bank OCBC NISP (2011-2013)

– Executive Vice President, Head of Trading & Sales Bank

Danamon (2008-2011)

– Executive Director – JP Morgan Chase Bank (2005-2008)

– Senior Vice President, Head of Trading Bank Danamon (2004-

2005)

– Vice President, Senior Interest Rate Trader-Standard

Chartered Bank (2000-2004)

– Currency Forward Trader-ABN Amro Bank (1998-2000)

– Foreign Exchange Trader-Bank Dagang Nasional Indonesia

(1997-1998)

28

Board of Directors as of 31 March 2015 (Cont’d)

Low Seh Kiat (Thomas)


– National Emerging Business Head Bank OCBC NISP (2010-

2013)

– Vice President, Business Head of Emerging Business OCBC

Bank, Singapore (2005-2010)

– VP, Head of Program Management & Marketing OCBC Bank,

Singapore (2004-2005)

– VP-GE Commercial Financing (S) Ltd, Singapore (2001-2004)

– Has experience in various head positions in Heller Factoring

(S) Ltd, Singapore (1995-1997) and Heller Asia Capital (S)

Ltd, Singapore (1998-2000)

– Sales Manager – D&D International Enterprise Ltd, USA

(1992-1994)

Joseph Chan Fook Onn


– 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

(2006-2010)

– Senior Audit Manager – Consumer Credit Review, OCBC

Bank – Singapore (2004-2006)

– Audit Manager, Standard Chartered Bank – Singapore

(2000-2003)

– Have more than 19 years banking experience especially in

Internal Audit.

– MBA, University of Southern Queensland, Australia (2013)

and Bachelor, Business/Accounting, Monash University,

Australia (1994).

29

Corporate Planning and Development

PT. Bank OCBC NISP Tbk

OCBC NISP Tower, 15th Floor

Jl. Prof. Dr. Satrio Kav. 25, Jakarta 12940

Phone : +62 21 255 33 888

Fax : +62 21 579 44 000

Website : www.ocbcnisp.com

Email : [email protected]

http://www.ocbcnisp.com/

mailto:[email protected]

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