Asian Tour

1
Asian Tour

• PT Bank Commonwealth Presentation
• Symon Brewis-Weston
• President Director
• Jakarta
• 6 March 2006

2
History of PT Bank Commonwealth (PTBC)
1997
CBA enters 50/50 joint venture with Bank
International Indonesia
Jul 2000
CBA achieves majority ownership - launches PT
Bank Commonwealth
PT Bank Commonwealth commences operations
Sep 2000
Launches first mutual fund (Dana Premium Money
Market Fund)
Nov 2000
Dec 2000
Second branch office opened
CommInvest Investment Supermarket launched
Jun 2002
Surabaya branch office opened - network grows to
6 branches
Jan 2003
Stage 1 of new retail banking system (CORINA)
rolled out
Oct 2004
Manga Dua Cash Office opened
Nov 2004
PT Bank Commonwealths ATMs accessible to CBA
customers
Jun 2005
Milestone of 100,000 customers reached
Sep 2005
16th branch office opened
Jan 2006
3
Vision

• To be respected as the best financial services
  provider of choice in its chosen market.

• Target Market mass affluent Indonesian families
  and their businesses and Australian related
  companies

4
Focus on Family Services
The Banks focus is to provide excellent customer
service, delivered through an integrated service
model
Family Life Cycle
Family Related Businesses
Student Services
Professionals
Retirees
Australian Related Businesses
Customer Profiles
Wealth Creation
Wealth Management
Wealth Protection
Customer Needs
5
Branches/ Outlets
6
Deposits / Investments Growth
7
Lending Growth
8
Customer Growth
9
Financials
10
Risk Profile
11
Core Products Andriaan Laoh Director of
Marketing and Strategy Jakarta 6 March 2006
12
Personal Banking Services

• Deposits
• AusStudent
• CommWealth
• Investments
• Structured Notes
• Secured Forwards
• Mutual Funds
• BancAssurance
• Loans
• Home Financing
• Car Financing
• Services
• ATM
• Safe Deposit Box

13
Business and Structured Products

• Loans
• Overdrafts
• Short term demand loans
• Medium term instalment loans
• Guarantees
• Bid bond
• Payment bond
• Performance bond
• Transactional
• Payroll
• Domestic remittances
• International remittances
• Clean and documentary collections

14
Treasury Products

• Foreign Exchange
• Spot
• Forward
• Forward Linked Deposit
• Currency Linked Deposit
• Dual Currency Deposit plain vanilla, knock in
• Double No Touch Deposit
• Money Market
• Time Deposit
• SBI Link (Primary and Secondary)
• SBI Premium

15
Customer Service Noersing Noeraini Chief of
Sales and Service Jakarta 6 March 2006
16
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 front line staff
• Strong sales focus
• Well educated

17
Banking Platform Preditha Dewi Director of
Operations Jakarta 6 March 2006
18
New Core Banking Platform
Payments
Securities
Loans
Mortgage Investment
Personal loans
Collateral management
Files and credit lines
Securities ID
Securities accounting
Fixed term advances
Issued guarantees
Treasury
Deposits
Bank Management
Foreign Exchange
Clients
Tariffs
Accounting
Customer accounts
Loans and deposits
Time deposits
General services
Risk
FX options
Certif. of deposits
Messaging handling system
Interest calculations
IRS
19
CORINA Key Capabilities

• 24 x 7
• Integrated and Real time
• Straight Through Processing
• Multi company Multi Currency Multi Lingual
• Functional flexibility
• User friendly
• Single Platform Multi Business
• Customer Centric - Modular, Parameterize,
  Flexible
• Open Framework
• Performance Scalable, Robust
• Inherent security
• Consistency of processing
• Wealth of Interface (SWIFT, ATM, Payment, Rates)

20
Asian Tour

• PT Bank Commonwealth Presentation
• Jakarta
• 6 March 2006