Profil Pemegang Saham

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Profil Pemegang Saham

Shareholders’ Profile

Tentang OCBC Bank–Singapura

OCBC Bank-Singapura merupakan bank tertua di Singapura yang didirikan pada tahun 1912. Dalam perjalanannya, OCBC Bank-Singapura telah tumbuh menjadi salah satu penyedia jasa keuangan terkemuka di Asia. Saat ini OCBC Bank-Singapura menjadi grup jasa keuangan kedua terbesar di Asia Tenggara, dengan total aset sebesar S$ 194 miliar (Rp 2.903 triliun) per 31 Desember 2009. OCBC memiliki lebih dari 19.000 karyawan di seluruh dunia serta lebih dari 500 cabang dan kantor perwakilan di 15 negara dan kawasan lainnya termasuk Singapura, Malaysia, Indonesia, Cina, Hong Kong, Brunei, Jepang, Australia, Inggris dan Amerika. OCBC Bank-Singapura juga merupakan salah satu Bank dengan peringkat tertinggi di dunia, dengan peringkat kredit jangka panjang Aa1 dari Moody’s, AA- dari Fitch, dan A+ dari Standard and Poor’s. Di Malaysia, OCBC Malaysia merupakan salah satu bank asing terbesar dari segi aset dan kredit. OCBC Malaysia memiliki anak perusahaan Perbankan Syariah, OCBC Al-Amin secara penuh, yang mulai beroperasi pada bulan Desember 2008.

Di Cina, OCBC mulai beroperasi secara lokal pada tahun 2007 dengan didirikannya anak perusahaan yang dimilikinya secara penuh. OCBC Cina berpusat di Shanghai, dan saat ini memiliki 11 kantor cabang utama dan kantor cabang pembantu di delapan kota.

OCBC Bank-Singapura juga menjalin kerja sama yang erat dengan dua bank di Cina dan Vietnam. OCBC Bank memiliki 10% saham strategis di Bank Ningbo, Cina dan 14,9% di Bank VP, Vietnam. Anak perusahaan OCBC Bank dengan kepemilikan sebesar 87,1%, Great Eastern Holdings (“GEH”), merupakan Grup asuransi terbesar dalam hal aset di Singapura dan Malaysia. Sementara itu, anak perusahaan GEH, Lion Global Investors, merupakan salah satu perusahaan pengelola aset swasta terbesar di Asia Tenggara dengan total aset kelolaan mencapai S$ 28 miliar per 31 Desember 2009.

Pada Januari 2010, OCBC Bank-Singapura menyelesaikan akuisisi dari ING Asia Private Bank yang berbasis di Singapura, yang telah berubah nama menjadi Bank of Singapore. Akuisisi senilai S$ 1,46 miliar ini menandai suatu perubahan dalam perkembangan bisnis Private Bank, dengan melahirkan Private Bank terkemuka di Asia yang memiliki total aset kelolaan swasta gabungan sebesar US$ 23 miliar.

About OCBC Bank–Singapore

OCBC Bank-Singapore is Singapore’s longest established bank, with a history dating back to 1912. Over the years, OCBC Bank-Singapore has grown into one of Asia’s leading financial services groups. It is now the second largest financial services group in Southeast Asia, with total assets of S$ 194 billion (Rp 2,903 trillion) as at December 31, 2009. OCBC employs more than 19,000 staff globally and has a banking network of over 500 branches and offices in 15 countries and territories including Singapore, Malaysia, Indonesia, China, Hong Kong, Brunei, Japan, Australia, the UK and the US. OCBC Bank-Singapore is also among the world’s highest rated banks, with long-term credit ratings of Aa1 from Moody’s, AA- from Fitch, and A+ from Standard and Poor’s.

In Malaysia, OCBC Malaysia is ranked as one of the largest foreign banks by assets and loans. OCBC Malaysia has a wholly-owned Islamic Banking subsidiary, OCBC Al-Amin, which commenced operations in December 2008.

In China, OCBC locally incorporated its business in 2007 with the establishment of a wholly owned subsidiary. OCBC China is headquartered in Shanghai, and currently has 11 main branches and sub-branches in eight cities.

OCBC Bank-Singapore also works closely with two partner banks in China and Vietnam. It owns a 10% strategic stake in Bank of Ningbo, China and a 14.9% stake in VP Bank, Vietnam.OCBC’s 87.1% owned subsidiary, Great Eastern Holdings (“GEH”), is the largest insurance group by assets in Singapore as well as in Malaysia. GEH’s asset management subsidiary, Lion Global Investors, is one of the largest private sector asset management companies in Southeast Asia, with approximately S$ 28 billion in assets under management as at December 31, 2009.

In January 2010, OCBC Bank-Singapore completed the acquisition of Singapore-based ING Asia Private Bank, which has been renamed Bank of Singapore. The US$ 1.46 billion acquisition marks a transformational step in growing Private Banking business, by creating a leading Asian private bank with combined private client assets under management of US$ 23 billion.

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Support to Bank OCBC NISP

OCBC Bank-Singapore continues to support Bank OCBC NISP in broadening its product suite and to share its experience in various areas including product management, marketing, branding, channel delivery and risk management, audit, information technology and operational platforms and processes.

Over the years, OCBC Bank-Singapore has achieved several milestones in its collaboration with Bank OCBC NISP, including a joint ATM link-up in Singapore and Indonesia, helping Bank OCBC NISP launch a local version of OCBC Bank’s award winning Velocity@ocbc cash management platform, distribution of Great Eastern Life products through Bank OCBC NISP’s branch network, and the launch of Premier Banking and credit cards. To help build a service excellence culture, OCBC has also rolled out its customer engagement training program to Bank OCBC NISP. To-date, more than 3,800 of Bank OCBC NISP staff have been trained in OCBC Bank-Singapore’s customer service program.

Through its close partnership with OCBC Bank-Singapore, Bank OCBC NISP launched several new initiatives in 2009. With the support from OCBC Al Amin, Bank OCBC NISP commenced sharia banking, targeting to offer a wide range of Islamic banking products and services to Muslims in Indonesia. Riding on the success of OCBC Bank’s children savings program in Singapore, a similar family-centric Mighty SaversTM_{program was rolled out in Indonesia in October 2009.}

This interactive savings program helps parents to educate their children on the importance of regular savings in a fun and meaningful way.

At the end of 2009, OCBC Bank-Singapore has representatives on Bank OCBC NISP’s Board of Commissioners (David Conner-CEO, Lai Teck Poh-EVP) as well as on the Board of Directors (Na Wu Beng-EVP).

IFC, a member of the World Bank group, was established in 1956 when its Articles of Agreement were signed by 31 member states of the International Bank for Reconstruction and Development (IBRD).

In 1997, Bank OCBC NISP became the first Bank in Indonesia to receive a senior loan from the International Finance Corporation (IFC), part of the World Bank Group. Trust in the Bank is reinforced with IFC joining the line-up of the Bank’s shareholder in 2001 with share ownership of 9.6%.

IFC is an active shareholder, providing considerable support over the years in the form of capital, senior loans, guarantee programs and technical assistance. In the case of technical assistance, IFC has extended support on credit risk management, asset liability management and strategic planning review. IFC has also assisted Bank OCBC NISP with its application of good corporate governance best practices.

Dukungan terhadap Bank OCBC NISP

OCBC Bank-Singapura terus mendukung Bank OCBC NISP dalam mengembangkan produk-produknya dan membagi pengalamannya di berbagai bidang termasuk manajemen produk, pemasaran, branding, delivery channel dan manajemen risiko, audit, teknologi informasi serta platform dan proses operasional. Sepanjang kurun waktu tersebut, OCBC Bank-Singapura telah meraih banyak kemajuan dalam kolaborasinya dengan Bank OCBC NISP, termasuk ATM bersama di Singapura dan Indonesia, membantu Bank OCBC NISP meluncurkan versi lokal dari layanan terkenal OCBC Bank, platform cash management velocity@ocbc, mendistribusikan produk Great Eastern Life melalui jaringan cabang Bank OCBC NISP dan meluncurkan Premier Banking dan kartu kredit. Dalam rangka membangun budaya service excellence, OCBC juga telah meluncurkan program pelatihan customer engagement untuk Bank OCBC NISP. Sampai saat ini lebih dari 3.800 karyawan Bank OCBC NISP telah mengikuti program pelatihan customer service OCBC Bank-Singapura.

Melalui kemitraan yang erat dengan OCBC Bank-Singapura, Bank OCBC NISP meluncurkan beberapa inisiatif baru di tahun 2009. Dengan dukungan dari OCBC Al Amin, Bank OCBC NISP memulai perbankan syariah, yang menawarkan berbagai pilihan produk dan layanan syariah kepada umat muslim di Indonesia. Menilik keberhasilan dari program tabungan anak-anak Bank OCBC, program yang serupa dengan tabungan keluarga Mighty SaversTM_{diluncurkan di Indonesia pada bulan Oktober 2009.} Program tabungan interaktif ini dapat membantu orang tua dalam mengajarkan anak-anaknya tentang pentingnya kebiasaan menabung dengan cara yang menyenangkan.

Per akhir Desember 2009, OCBC Bank-Singapura memiliki perwakilan di Dewan Komisaris Bank OCBC NISP (David Conner-CEO, Lai Teck Poh-EVP) dan Direksi (Na Wu Beng-EVP).

IFC merupakan kelompok dari Bank Dunia yang didirikan pada tahun 1956 melalui penandatanganan Articles of Agreement oleh 31 negara yang merupakan anggota International Bank for Reconstruction and Development (IBRD).

Pada tahun 1997, Bank OCBC NISP menjadi Bank pertama di Indonesia yang menerima pinjaman jangka panjang dari International Finance Corporation (IFC), Kelompok Bank Dunia. Kepercayaan ini semakin ditingkatkan dengan masuknya IFC sebagai pemegang saham Bank OCBC NISP pada tahun 2001 dengan kepemilikan saham sebesar 9,6%.

IFC merupakan pemegang saham aktif yang memberikan banyak dukungan dalam bentuk modal, pinjaman jangka panjang, program penjaminan dan bantuan teknis. Dalam hal bantuan teknis, IFC memberikan dukungan dalam bidang manajemen risiko kredit, pengelolaan asset liability dan review perencanaan strategis. IFC juga membantu Bank OCBC NISP dalam hal penerapan praktek terbaik good corporate governance.

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Selama tahun 2009, Dewan komisaris

mendukung strategi manajemen untuk lebih

selektif dalam menyalurkan kredit baru dan

lebih memfokuskan pada perbaikan organisasi

internal agar dapat menyokong pertumbuhan

yang lebih tinggi di masa datang.

During the year 2009, the Board of Commissioners supported the

management’s strategy to be very selective in disbursing new loan and

focused more on improving the Bank’s internal organization in order to be

able to support stronger growth in the future.

Para pemegang saham yang terhormat,

Terlepas dari krisis perekonomian global, pertumbuhan ekonomi Indonesia tetap positif sebesar 4,3% di tahun 2009, didukung oleh pertumbuhan yang tinggi dalam permintaan konsumen selama tahun tersebut. Sementara itu, penurunan harga komoditas mendukung laju inflasi yang lebih rendah yaitu 2,78% (yoy) di tahun 2009 dari 11,06% yoy di tahun 2008, memberikan ruang bagi suku bunga BI untuk turun dari 9,25% di akhir tahun 2008 menjadi 6,5% di akhir tahun 2009. Walaupun kondisi perekonomian makro cukup mendukung, bank komersial di Indonesia tetap hati-hati dalam menyalurkan kredit baru. Lebih jauh, sektor riil juga menjadi konservatif dalam mengelola keuangan mereka. Hal ini tercermin dari pertumbuhan kredit yang rendah sebesar 10,0% yoy di tahun 2009, menurun secara signifikan dibandingkan dengan 30,5% yoy di tahun 2008. Kredit konsumer mencatat pertumbuhan tertinggi sebesar 19,0% yoy dibandingkan dengan 16,3% yoy untuk kredit UKM dan -14,0% yoy untuk kredit korporasi.

Report from The Chairman

Laporan Presiden komisaris

Dear shareholders,

Despite global economic crisis, Indonesia’s economic growth remained positive at 4.3% in 2009, due to strong growth in consumer demand during the year. Meanwhile, lower commodity prices supported a lower inflation level of 2.78% (yoy) in 2009 from 11.06% (yoy) in 2008, providing room for BI Rate to decline from 9.25% at the end of 2008 to 6.5% at the end of 2009.

Amid such favorable macroeconomic environment, commercial banks in Indonesia remained cautious in disbursing new loans. Further more the real sectors had also become conservative in managing their financial. This reflected on a low loan growth of 10.0% yoy in 2009, a significant drop from 30.5% yoy in 2008. Consumer loans posted the highest growth of 19.0% yoy, compared with 16.3% yoy for SME loans and -14.0% yoy for corporate loans.

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Pramukti Surjaudaja

Presiden komisaris Chairman

During the year, we supported the management’s strategy to be very selective in disbursing new loan and focused more on improving the Bank’s internal organization in order to be able to support stronger growth in the future. The Bank revamped its organization structure with the spirit to become “Your Partner for Life” for its customers. The Bank reiterated its focus on customers inspired by its corporate values: solid, genuine, supportive, connected, forward looking and dynamic.

While the Board of Directors was trying their best to meet all the predetermined objectives, we strengthened our supervisory role by having much more frequent communication with the Board of Directors as well as the division heads. We also often visited branches to get firsthand information about the Bank’s latest development.

The financial performance has been quite satisfactory, whereby the Bank managed to book net profit of Rp 436 billion in 2009, a 37.5% yoy increase compared to the previous year. These strong results were achieved despite a low loan growth of 5.2% yoy during the year as the Bank managed to improve its cost of funding significantly, thanks to the success in growing its saving and demand deposits.

Selama tahun 2009, kami mendukung strategi manajemen dalam menyalurkan kredit baru secara selektif dan lebih memfokuskan pada perbaikan organisasi internal agar dapat mendukung pertumbuhan yang lebih tinggi di masa datang. Bank mengubah struktur organisasinya dengan semangat menjadi “Your Partner for Life” bagi para nasabahnya. Bank menegaskan kembali fokusnya pada nasabah, diilhami oleh nilai-nilai perusahaan: solid, genuine, supportive, connected, forward looking dan dynamic.

Sementara Direksi melakukan upaya terbaiknya untuk mencapai seluruh sasaran yang telah ditentukan, kami meningkatkan peran pengawasan dengan mengadakan komunikasi yang lebih sering dengan Direksi serta kepala divisi. Kami juga sering mengunjungi cabang untuk memperoleh informasi pertama tentang perkembangan Bank terakhir. Hasil kinerja keuangan cukup menggembirakan, dimana Bank berhasil membukukan laba bersih sebesar Rp 436 miliar di tahun 2009, meningkat sebesar 37,5% yoy dibandingkan dengan tahun sebelumnya. Kinerja yang baik ini dicapai walaupun kredit hanya tumbuh sebesar 5,2% yoy selama tahun 2009, hal ini dimungkinkan oleh perbaikan biaya dana secara berarti akibat pertumbuhan pesat di giro dan tabungan.

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dari kiri ke kanan Left to right Berdiri / Standing Duduk / Standing

• Goh kim Bun, Benny • Roy Athanas karaoglan • Lai Teck Poh (Dua Teck Poh) • Jusuf Halim • Peter eko Sutioso • David Philbrick Conner

• karmaka Surjaudaja • Lelarati Lukman • Pramukti Surjaudaja

Throughout the year, the Board of Commissioners observed the Bank’s persistent efforts to change in order to increase efficiency and productivity. People were encouraged to bring their quality projects proposal to improve the process in each department, which would not only bring added value to the organization, but also to the customers.

In addition to that, we also observed that the compliance toward audit has improved as reflected in higher audit rating achieved during the year. We believe the role of audit will increase significantly in the future to help ensuring that all processes have been conducted properly.

The Board of Commissioners has reviewed the audited financial statements and concludes that the results were in line with Bank OCBC NISP’s targets for the year under review. Furthermore, we also noticed that significant efforts to strengthen the Bank’s corporate governance and risk management have been carried out by adopting international best-practice systems and methods under the guidance of OCBC Bank-Singapore.

Sepanjang tahun, Dewan Komisaris melihat upaya Bank yang konsisten dalam melakukan perubahan dalam rangka meningkatkan efisiensi dan produktivitas. Karyawan dipacu untuk memberikan usulan quality projects demi memperbaiki proses di masing-masing divisi, yang tidak hanya dapat memberikan nilai tambah bagi organisasi, namun juga bagi nasabah.

Disamping itu, kami juga mencatat bahwa kepatuhan terhadap audit telah mengalami perbaikan, sebagaimana tercermin dari perbaikan peringkat audit yang diperoleh di tahun 2009. Kami percaya bahwa peran audit akan kian meningkat di masa datang untuk membantu memastikan bahwa seluruh proses telah dilakukan dengan benar.

Dewan Komisaris telah mengkaji laporan keuangan audit dan menyimpulkan bahwa kinerja yang dicapai telah sejalan dengan target Bank OCBC NISP untuk tahun yang dimaksud. Selain itu, kami juga melihat adanya upaya untuk memperkokoh tata kelola perusahaan dan manajemen risiko dengan menerapkan sistem dan metode praktik terbaik internasional di bawah pengarahan OCBC Bank-Singapura.

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25 • karmaka Surjaudaja • Lelarati Lukman • Pramukti Surjaudaja

Another important highlight during the year was a much stronger synergy with our controlling shareholders, OCBC Bank-Singapore. With the help from OCBC Bank-Singapore, Bank OCBC NISP strengthened its risk management and developed various training programs to improve the skill sets of its people. We expect this synergy to improve even more and will certainly help the Bank to achieve its vision and mission.

Even though the Indonesian economy is expected to improve in 2010, challenges will likely remain. We foresee tighter competition in the banking sector in 2010, however with Bank OCBC NISP’s concerted efforts to improve the infrastructure, we believe the Bank will be able to deal with such challenging environment.

Finally, we would like to express our deepest appreciation to our stakeholders for their continued support and trust in us. It will certainly help us to book a stronger growth in the future, reaching our long term goal to be the top five largest private banks in Indonesia.

Hal penting lainnya selama tahun 2009 adalah sinergi yang semakin erat dengan pemegang saham pengendali kami, OCBC Bank-Singapura. Dengan bantuan dari OCBC Bank-Singapura, Bank OCBC NISP memperkuat manajemen risikonya dan mengembangkan berbagai program pelatihan demi meningkatkan kemampuan dari para karyawannya. Kami berharap sinergi ini akan terus ditingkatkan sehingga dapat membantu Bank untuk meraih visi dan misinya.

Walaupun perekonomian Indonesia diproyeksikan akan mengalami perbaikan di tahun 2010, tantangan akan tetap ada. Kami melihat persaingan yang lebih ketat di sektor perbankan di tahun 2010, namun dengan upaya menyeluruh dari Bank OCBC NISP untuk memperbaiki infrastruktur, kami percaya bahwa Bank akan dapat mengatasi tantangan ini.

Akhir kata, kami hendak menyampaikan penghargaan terdalam kepada seluruh stakeholder atas dukungan yang tiada henti dan kepercayaannya kepada kami. Hal ini akan membantu kami membukukan pertumbuhan yang lebih tinggi di masa datang, mencapai tujuan jangka panjang kami yaitu salah satu dari lima bank swasta terbesar di Indonesia.

Dengan rasa hormat,

Respectfully, Pramukti Surjaudaja Presiden Komisaris Chairman Lelarati Lukman Komisaris Commissioner

Peter eko Sutioso

Wakil Presiden Komisaris - Komisaris Independen

Deputy Chairman - Independent Commissioner

Roy Athanas karaoglan

Komisaris Independen

Independent Commissioner

Goh kim Bun, Benny

Lai Teck Poh (Dua Teck Poh)

Jusuf Halim

David Philbrick Conner

Komisaris

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1

Warga Negara Indonesia, 47 tahun.

Presiden Komisaris Bank OCBC NISP sejak Desember 2008. Sebelumnya menjabat sebagai Presiden Direktur sejak April 1997 dan Direktur (1989-April 1997). Komisaris Bank OCBC-NISP sekarang Bank OCBC Indonesia (1997-Juni 2000). Non Executive Director di OCBC Bank-Singapura sejak 2004.

Anggota International Council and East Asia Council, Insead, Perancis; Presiden dari American Alumni for Education. Mengikuti Executive Program di Stanford University, Massachusetts Institute of Technology, Insead, dan International Relations Program International University of Japan, Niigata, Jepang. Executive Training di Daiwa Bank New York, London, Hong Kong, Tokyo. MBA (Banking) dari Golden Gate University, USA, 1986. BSc (Banking and Finance) dari San Francisco State University, USA, 1985.

Indonesian Citizen, age 47.

Chairman of Bank OCBC NISP since December 2008. Previously served as President Director since April 1997 and Director (1989-April 1997). Appointed as Commissioner of Bank OCBC-NISP, now Bank OCBC Indonesia (1997-June 2000). Non Executive Director at OCBC Bank-Singapore since 2004.

Member of the International Council and East Asia Council, Insead, France; President of American Alumni for Education. Participated in the Executive Program at Stanford University, Massachusetts Institute of Technology, Insead, and International Relations Program of International University of Japan, Niigata, Japan. Executive Training at Daiwa Bank in New York, London, Hong Kong, Tokyo. Earned his MBA (Banking) degree from Golden Gate University, USA, 1986, and his BSc (Banking and Finance) degree from San Francisco State University, USA, 1985.

Pramukti Surjaudaja Presiden komisaris Chairman

Profil Dewan komisaris

Profile of The Board of Commissioners

1 2 3

5 6

Bawah, Kiri ke Kanan | Below, Left to Right: 5. Jusuf Halim

6. David Philbrick Conner 7. Goh Kim Bun

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Wakil Presiden Komisaris Bank OCBC NISP sejak Juni 1998. Komisaris (April 1997-Juni 1998), Direktur (1972-April 1997). Bekerja di Bank NISP sejak tahun 1965.

Aktif di kepengurusan Perbanas Jabar sebagai Ketua Umum Perbanas Jawa Barat (1983-1988), dan aktif di kepengurusan BMPD Jawa Barat (1977-1990).

Menyelesaikan pendidikan Sarjana Hukum dari Universitas Padjadjaran, Bandung pada tahun 1965.

Deputy Chairman of Bank OCBC NISP since June 1998. Served as Commissioner (April 1997-June 1998), Director (1972-April 1997). Joined Bank NISP in 1965.

Active in Perbanas (Indonesian Banking Association) West Java (1994-1997) as Chairman of Perbanas West Java (1983-1988), and active in BMPD West Java (1980-1988).

Completed his studies in Law in Padjadjaran University, Bandung in 1965.

Peter Eko Sutioso

wakil Presiden komisaris (komisaris Independen)

Deputy Chairman (Independent Commissioner)

Atas, Kiri ke Kanan | Above, Left to Right: 1. Pramukti Surjaudaja

2. Peter Eko Sutioso 3. Lelarati Lukman 4. Roy Athanas Karaoglan 4

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4

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Komisaris Independen Bank OCBC NISP sejak 2006. Akuntan Register Negara (D-2796). Ditunjuk kembali menjadi Anggota Komite Audit Bank OCBC NISP sejak tahun 2007.

Anggota Dewan Pengurus Ikatan Komite Audit Indonesia sejak 2004 dan dosen Akuntansi dan Perpajakan Fakultas Ekonomi UI sejak 1990. Ketua Komite Standar Akuntansi Keuangan, Ikatan Akuntan Indonesia (1994-1998) dan Anggota Dewan Kehormatan Asosiasi Kurator dan Pengurus Indonesia/AKPI (2001-2002). Ketua Dewan Penguji CPA Indonesia (2003-2007).

Sarjana Akuntansi Fakultas Ekonomi Universitas Indonesia, 1982 dan Magister Hukum Fakultas Hukum Universitas Pelita Harapan, 2003. Doktor di bidang Manajemen Strategis, Universitas Indonesia, 2009.

Independent Commissioner of Bank OCBC NISP since 2006. Registered Accountant (D-2796). Re-appointed as Member of the Audit Committee of Bank OCBC NISP since 2007.

Board Member of the Indonesia Audit Committee Association since 2004 and Lecturer in Accounting and Taxation in the Faculty of Economics, the University of Indonesia since 1990. Chairman of Financial Accountant Standard Committee, Indonesian Institute of Accounting (1994-1998) and member of the Honorary Board the Indonesian Association of Receivers and Administration (AKPI) (2001-2002). Chairman of Indonesian CPA Examination Board (2003-2007).

Has a Bachelor degree in Accounting, Faculty of Economics, University of Indonesia, 1982, and Magister from the Faculty of Law, Pelita Harapan University, 2003. PhD. in Strategic Management, University of Indonesia, 2009.

Jusuf Halim

komisaris Independen Independent Commissioner

Komisaris Bank OCBC NISP sejak tahun 1982. Direktur Utama PT Udayawira Utama (1994-2000). Komisaris Utama PT Udayawira Utama (2000-2009). Komisaris PT Suryasono Sentosa (1994-2009). Pendiri Bio-Test Medical Laboratories di Bandung, Surabaya, dan Jakarta.

Warga Negara Amerika Serikat, 74 tahun.

Komisaris Bank OCBC NISP sejak tahun 2002 dan sekaligus sebagai Konsultan di International Finance Corporation sejak tahun 2000.

Associate Director di Credit Review Department, IFC sejak tahun 1998-

2000, Senior Banking Advisor di IFC tahun 1997-1998, Chief Banking

Specialist di Central Capital Markets Department di IFC tahun 1994-1997

dan Senior Banking Specialist untuk wilayah Afrika, World Bank 1988-1991. Telah mempelajari lebih dari 1.500 bank/lembaga keuangan di 95 negara.

Menyelesaikan PhD di bidang Ekonomi dari Columbia University pada tahun 1967.

Commissioner of Bank OCBC NISP since 1982. President Director of PT Udayawira Utama (1994-2000). President Commissioner of PT Udayawira Utama (2000-2009). Served as Commissioner of PT Suryasono Sentosa (1994-2009). Founder of Bio-Test Medical Laboratories Foundation in Bandung, Surabaya, and Jakarta.

United States of America Citizen, age 74.

Commissioner of Bank OCBC NISP since 2002 and concurrently as Consultant for the International Finance Corporation since 2000. Associate Director of Credit Review Department, IFC from 1998-2000, Senior Banking Advisor at IFC for 1997-1998, Chief Banking Specialist in Central Capital Markets Department at IFC from 1994-1997 and Senior Banking Specialist for Africa, World Bank for 1988-1991. Have interacted wih more than 1,500 banks/financial institutions in 95 countries. Obtained his PhD in Economics from Columbia University in 1967.

Lelarati Lukman komisaris Commissioner

Roy Athanas Karaoglan

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Warga Negara Singapura, 61 tahun.

Komisaris Independen Bank OCBC NISP sejak 2007. Senior Vice President OCBC Bank (1971- 1997) dan Presiden Direktur PT Bank OCBC Indonesia 1997-2004.

Mengikuti berbagai program pelatihan tingkat internasional seperti

Bank Management Program, INSEAD, Singapore, Seminar perbankan

lainnya seperti Risk, Controls, Capital Markets, Treasury Products, Credit

and Marketing, Career Management and Development, baik di dalam

maupun di luar Singapura.

Menyelesaikan pendidikan Bachelor of Arts, Second Class Honours (Upper

Division), dari University of Singapore (1971).

Singaporean Citizen, age 61.

Independent Commissioner of Bank OCBC NISP since 2007. Senior Vice President of OCBC Bank (1971-1997) and President Director of PT Bank OCBC Indonesia 1997-2004.

Participated in various international training programs, such as the Bank Management Program, INSEAD, Singapore, other banking seminars as Risk, Controls, Capital Markets, Treasury Products, Credit and Marketing, Career Management and Development, both in as well as outside of Singapore.

Obtained his Bachelor of Arts, Second Class Honours (Upper Division), from the University of Singapore (1971).

Komisaris Bank OCBC NISP sejak tahun September 2008. Bekerja di Citibank NA dengan posisi terakhir sebagai Head of Corporate Account

Management (1968-1986). Citicorp Investment Bank dengan posisi

terakhir sebagai Direktur (1986-1987). OCBC Ltd dengan posisi terakhir sebagai Executive Vice President (1988-sekarang). OCBC Bank (Malaysia) Berhad sebagai Non Executive Director (1994-1995 & 2000-2006). Memperoleh Bachelor of Arts (Hons) dari University of Singapore pada tahun 1968. Mengikuti Program Pengembangan Eksekutif di Cornell University, USA tahun 1977, Pelatihan Risk Management di INSEAD (2003) selain itu juga mengikuti berbagai pelatihan di bidang Manajemen Risiko, Akunting, GCG, dan Manajemen.

Commissioner of Bank OCBC NISP since September 2008. Worked in Citibank NA with the latest position as Head of Corporate Account Management (1968–1986), then with Citicorp Investment Bank given his latest position as Director (1986-1987). Served with OCBC Ltd with the latest position as Executive Vice President (1988-present), and then with OCBC Bank (Malaysia) Berhad as Non Executive Director (1994- 1995 & 2000-2006).

Received Bachelor of Arts (Hons) from the University of Singapore in 1968. Participated in the Executive Development Program at Cornell University, USA in 1977; Risk Management Training at INSEAD (2003) as well as various training programs in the areas of Risk Management, Accounting, GCG and Management.

Lai Teck Poh (Dua Teck Poh) komisaris Commissioner

Warga Negara Amerika Serikat, 61 tahun.

Komisaris Bank OCBC NISP sejak 2005. Chief Executive Officer OCBC Bank-Singapura sejak tahun 2002. Direktur di beberapa perusahaan antara lain Great Eastern Holding Ltd., Bank of Singapore Ltd. (sejak 2005), Lion Capital Management Ltd., dan OCBC Bank (Malaysia) Berhad (sejak 2002).

Memiliki pengalaman yang sangat luas di sektor perbankan untuk wilayah Asia Pasifik. Pernah bekerja selama 25 tahun di Citibank N.A (1976-2002) dan menduduki jabatan sebagai Managing Director dan Marketing Manager untuk Citibank Jepang (1999-2002). Tahun 1996-1999 menjabat sebagai Chief Executive Officer untuk Citibank India. Sebelumnya menjabat sebagai Country Corporate Officer untuk Citibank Singapura.

Menyelesaikan pendidikan Bachelor of Arts dari Washington University di St. Louis tahun 1974 dan Master of Business Administration (MBA) dari Columbia University – New York tahun 1976.

United States of America Citizen, age 61.

Commissioner of Bank OCBC NISP since 2005. Chief Executive Officer of OCBC Bank-Singapore since 2002. Concurrently Director in a number of companies, including Great Eastern Holding Ltd., Bank of Singapore Ltd. (since 2005), Lion Capital Management Ltd., and OCBC Bank (Malaysia) Berhad (since 2002).

Has extensive experience in the banking sector in the Asia Pacific region. Previously worked for 25 years in Citibank N.A (1976-2002) and served as Managing Director and Marketing Manager for Citibank Japan since 1999. From 1996-1999 appointed as Chief Executive Officer for Citibank India. Previously was Country Corporate Officer for Citibank Singapore. Obtained Bachelor of Arts from Washington University in St. Louis in 1974 and Master of Business Administration (MBA) from Columbia University – New York in 1976.

David Philbrick Conner komisaris Commissioner

Goh Kim Bun, Benny

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Laporan Presiden Direktur

Report from The President Director

Para pemegang saham yang terhormat,

Bergerak di industri perbankan selama hampir 7 dekade memberikan keuntungan tersendiri bagi kami karena kami dapat membaca arah pergerakan pasar. Kami menyadari bahwa kami harus senantiasa memantau siklus bisnis agar dapat menciptakan pertumbuhan yang berkelanjutan. Kami menyadari sepenuhnya bahwa kami telah cukup agresif dalam 5 tahun terakhir, karenanya penyelarasan ulang dan konsolidasi perlu dilakukan untuk menyiapkan Bank ke fase pertumbuhan tinggi berikutnya. Kondisi pasar tahun 2009 memberikan kesempatan kepada kami untuk melaksanakan hal ini. Kami memandang tahun 2009 sebagai tahun perubahan dan konsolidasi bagi Bank. Setelah mengganti nama menjadi Bank OCBC NISP di bulan Desember 2008, Bank melanjutkan upayanya untuk memperbaiki infrastruktur, proses dan kemampuan seluruh karyawannya agar dapat menjadi “Your Partner for Life” bagi nasabahnya. Kami mendorong seluruh karyawan untuk berubah agar dapat memenangkan persaingan. Kami memperkenalkan struktur organisasi yang baru demi menciptakan efisiensi yang lebih tinggi bagi Bank

Dear shareholders,

Having been in the banking industry for almost 7 decades served as a great advantage for us as we were able to understand the market well. We understand that we have to monitor closely the business cycle in order to have a sustainable growth. We were fully aware that we have been growing rapidly in the past 5 years, hence realignment and consolidation are necessary in order to position the Bank for the next phase of strong growth. Market condition in 2009 offered the opportunity for us to do so.

We agreed to see the year 2009 as a year of reengineering and consolidation. After changing our name to Bank OCBC NISP in December 2008, the Bank continued its efforts to improve its infrastructure, process and the skill sets of its people in order to fulfill the “Your Partner for Life” brand promise to our customers. We encouraged all people within the organization to change and stay ahead of the competition. We introduced a new organization structure to bring more efficiency to the Bank and more effective decision making process that has

Parwati Surjaudaja

Presiden Direktur & CeO President Director & CeO

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31

kami memandang tahun 2009 sebagai

tahun konsolidasi bagi Bank OCBC NISP

setelah membukukan pertumbuhan

yang agresif dalam 5 tahun terakhir.

kendati demikian, kami berhasil mencatat

peningkatan laba bersih sebesar 37,5% yoy

menjadi Rp 436 miliar.

we agreed to see the year 2009 as a consolidation year for

Bank OCBC NISP after recording aggressive growth in the past 5 years.

Nonetheless, we were able to post an increase in net profit of 37.5% yoy

to Rp 436 billion.

nasabah. Kami cukup berbangga hati melihat seluruh rencana kami telah berjalan dengan baik di tahun 2009 dan seluruh karyawan bergerak menuju sasaran yang sama.

Kami juga berhasil menekankan paradigma baru yang lebih mengarah kepada kualitas yang lebih baik. Kami mengajak seluruh unit bisnis untuk memberikan usulan quality improvement project yang akan membantu mereka mencatat kinerja yang lebih baik di masa mendatang. Kami memfokuskan inisiatif kami pada nasabah karena kami ingin menjadi “Your Partner for Life” bagi mereka. Kami membedakan nasabah kami berdasarkan profil dan kebutuhan mereka yang unik dan menyesuaikan kegiatan operasional kami sesuai dengan kebutuhan mereka. Kami menyelaraskan produk, proses dan jalur distribusi sesuai dengan karakteristik nasabah yang kami layani.

Kami memahami bahwa perubahan ini tidak mungkin dapat dilakukan tanpa dukungan penuh dari karyawan. Oleh karena itu kami meningkatkan komunikasi kami kepada karyawan sehingga mereka dapat memiliki pemahaman yang lebih baik tentang kemana Bank bergerak. Kami memperbaiki kebijakan remunerasi kami yang mencakup program reward yang lebih baik dan lebih adil untuk memotivasi karyawan kami memberikan yang terbaik bagi organisasi.

that our plan worked well throughout the year and all people were moving toward the same direction.

We have been also successful in rolling paradigm shift toward higher quality. We invited all business units to bring quality improvement project proposal which would help them perform better in the future. We focused all our initiatives on customers as we want to become “Your Partner for Life” for them. We differentiated our customers based on their profile and unique needs, and adjusted our operation to support their needs accordingly. We started to align our products, process and distribution channel according to the characteristics of customers that we served.

We understood that these changes would not be able to be implemented without strong support from the employees. We therefore improved our communication to the employees to ensure they have clear understanding on where the Bank was headed. We improved our remuneration policy which included better and fair reward program to motivate our people to deliver their best to the organization.

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Di bidang Teknologi Informasi, kami juga berhasil meluncurkan layanan perbankan internet untuk memberikan kenyamanan bagi nasabah dalam melakukan transaksi perbankan. Nasabah kini memiliki banyak pilihan dalam memanfaatkan layanan kami, yang diyakini dapat membantu menciptakan efisiensi yang lebih baik dalam bertransaksi di Bank kami.

Kami berhasil mengakhiri tahun 2009 dengan peningkatan laba bersih sebesar 37,5% yoy menjadi Rp 436 miliar di tahun 2009. Total aset tumbuh sebesar 8,2% yoy menjadi Rp 37,1 triliun, sementara ekuitas meningkat sebesar 14,0% yoy menjadi Rp 4,1 triliun. Pencapaian non-interest income yang baik dan meningkatnya efisiensi operasional telah membantu kinerja kami. Realisasi kinerja tersebut dicapai walaupun pertumbuhan kredit melambat di tahun 2009. Kami mencatat pertumbuhan kredit sebesar 5,2% yoy menjadi Rp 21,9 triliun karena kami tetap hati-hati menyikapi perkembangan perekonomian makro hingga triwulan ketiga tahun 2009. Kami mulai aktif memasuki pasar kredit di triwulan keempat tahun 2009 setelah memastikan bahwa pemulihan ekonomi memang sedang berlangsung. Sebagai akibatnya, pertumbuhan kredit di triwulan keempat tahun 2009 cukup tinggi sebesar 10,2% qoq. Didukung oleh pendekatan kami yang lebih proaktif dalam memantau kredit, kami berhasil menjaga NPL bersih sebesar 1,39% di tengah gejolak perekonomian global. Hal ini menciptakan pondasi yang kokoh untuk meraih pertumbuhan kredit yang lebih tinggi di tahun-tahun mendatang. Kami sangat senang pelaksanaan konsolidasi 2009 telah berjalan baik tanpa mengganggu kinerja Perusahaan.

Kami bangga akan dipegang teguhnya komitmen tinggi untuk

In Information Technology, we also managed to launch our internet banking services to provide convenience for customers in performing banking transaction. Customers now have more options in accessing our services, which we believe would help creating higher efficiency in transacting with our Bank. We ended 2009 with a 37.5% yoy growth in net profit to Rp 436 billion in 2009. Total assets grew by 8.2% yoy to Rp 37.1 trillion, while shareholders equity rose by 14.0% yoy to Rp 4.1 trillion. Higher non interest income and improvement in operating efficiency has supported our performance. This strong achievement was recorded despite a slower loan growth during the year. We recorded a 5.2% yoy loan growth to Rp 21.9 trillion as we remained cautious with the macro economic development until the third quarter of 2009. We began actively entering the lending market in the fourth quarter of 2009 after ensuring that a recovery on the economy was on its way. Consequently, our loan growth in the fourth quarter of 2009 was quite high at 10.2% qoq. Coupled with our proactive approach in monitoring loan accounts, we managed to maintain our net NPL at 1.39% despite the global economic upheaval. This offers to strong foundation to pursue stronger loan growth in the years ahead. We are very pleased that consolidation plans in 2009 were successfully implemented without compromising profit performance.

We are proud of our strong commitment to implement Good

_{dari kiri ke kanan Left to right} Berdiri / Standing Duduk / Standing

• Hardi Juganda • Louis (Luianto) Sudarmana • Alan Jenviphakul

• Rudy N. Hamdani • Rama P. kusumaputra • Parwati Surjaudaja • Na wu Beng • yogadharma Ratnapalasari

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33 NISP juga senantiasa mematuhi peraturan Bank Indonesia,

sebagaimana tercermin dalam pencapaian hasil yang memuaskan berdasarkan kajian Bank Indonesia. Kami percaya bahwa dengan menerapkan GCG dan mematuhi peraturan Bank Indonesia, kami akan dapat memelihara kepercayaan dari seluruh stakeholder.

Bank OCBC NISP juga memelihara komitmennya dalam meningkatkan kesejahteraan komunitas melalui Program Tanggung Jawab Sosial Perusahaan. Selain melanjutkan fokusnya pada pendidikan dan program sosial lainnya, Bank juga menunjukkan perhatian dan tanggung jawabnya dalam membantu korban bencana alam secara terus menerus. Di tahun 2009, upaya ini terdiri dari bantuan darurat di dalam dan di luar wilayah bencana serta aktivitas setelah bencana, termasuk gempa bumi di Tasikmalaya dan Cianjur di Jawa Barat serta di Padang, Sumatera Barat.

Walaupun kami menyadari bahwa komitmen untuk menjadi “Your Partner for Life” bagi nasabah dan stakeholder merupakan perjalanan panjang, kami percaya bahwa fondasi yang lebih kokoh telah berhasil dibangun untuk mendukung pertumbuhan kami di masa datang. Oleh karena itu kami siap menyongsong tahun 2010 dengan penuh keyakinan, didukung oleh sinergi kami dengan OCBC Bank-Singapura serta nilai-nilai perusahaan: Solid, Genuine, Supportive, Connected, Forward Looking dan Dynamic.

Kami mengucapkan terima kasih kepada seluruh stakeholder atas dukungannya yang tiada henti kepada Bank OCBC NISP selama tahun 2009. Dengan dukungan, kepercayaan dari nasabah dan dedikasi yang penuh dari seluruh karyawan, Bank OCBC NISP akan mampu mencatat kinerja yang lebih baik dan meraih tujuan jangka panjangnya yaitu menjadi salah satu dari lima bank swasta terbesar di Indonesia.

Bank Indonesia regulation, as reflected on the achievement of satisfactory results from Bank Indonesia reviews. We strongly believe that by implementing Good Corporate Governance and compliance with Bank Indonesia regulations, we would be able to maintain trust of all our stakeholders.

Bank OCBC NISP also maintained commitment to improve the welfare of the community through the Bank’s Corporate Social Responsibility Programs. In addition to continue focusing on education and other social projects, the Bank also showed care and responsibility by assisting victims of national disasters on a continuous basis. In 2009, these efforts consisted of on- and off-site emergency and post disaster activities, including the earthquakes in Tasikmalaya and Cianjur, West Java as well as in Padang, West Sumatera. While we understand that our commitment to become “Your Partner for Life” for our customers and stakeholders will be a long life journey, we believe that a stronger foundation has been created to support our growth in the future. We are therefore ready to embrace the year 2010 with confidence, supported by our synergy with OCBC Bank-Singapore as well as our corporate values: Solid, Genuine, Supportive, Connected, Forward Looking and Dynamic.

We thank all stakeholders for their continued support to Bank OCBC NISP during 2009. With their support, trust from our customers and strong dedication from our people, Bank OCBC NISP will be able to record another solid performance and attain our long term goal to be among the top five private banks in Indonesia.

Dengan rasa hormat,

Respectfully,

Parwati Surjaudaja

Presiden Direktur

President Director & CEO

Hardi Juganda

Direktur

Managing Director

Louis (Luianto) Sudarmana

Direktur Managing Director Rudy N. Hamdani Direktur Managing Director Alan Jenviphakul Direktur Managing Director yogadharma Ratnapalasari Direktur Managing Director Rama P. kusumaputra Direktur Managing Director Na wu Beng

Wakil Presiden Direktur

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Presiden Direktur Bank OCBC NISP sejak Desember 2008. Sebelumnya menjabat sebagai Wakil Presiden Direktur (Juni 1997-2008) dan sebagai Direktur (1990-1997) menangani berbagai bidang termasuk Akuntansi dan Keuangan, Audit, SDM dan Perencanaan. Konsultan senior di SGV Utomo/Arthur Andersen (1987-1990). Executive Program di Columbia University. SESPIBI XVII (Program Pelatihan Top Manajemen Bank Indonesia), 1992.

MBA (Accounting) dari San Francisco State University, USA (1987). BSc Cum Laude (Accounting and Finance) dari San Francisco University, USA, 1985.

President Director of Bank OCBC NISP since December 2008. Previously Deputy President Director (June 1997-2008) and Managing Director (1990-1997) handling various areas, including Accounting and Finance, Audit, Human Resources and Planning. Senior Consultant at SGV Utomo/ Arthur Andersen (1987-1990). Executive Program of Columbia University. SESPIBI XVII (Bank Indonesia Top Management Training Program), 1992. Holds MBA (Accounting) from San Francisco State University, USA (1987). BSc Cum Laude, (Accounting and Finance) from San Francisco University, USA, 1985.

Parwati Surjaudaja

Presiden Direktur & CeO President Director & CEO

Wakil Presiden Direktur Bank OCBC NISP sejak 2005. Komisaris Independen (2004-2005). Bergabung dengan OCBC Bank-Singapura pada tahun 1990. Branch Manager OCBC Bank Cabang Hong Kong selama 9 tahun setelah itu bertanggung jawab untuk operasional OCBC Bank wilayah Asia Utara. Bekerja di International Bank of Singapore selama 11 tahun dan ditempatkan di Taiwan selama 7 tahun.

Deputy President Director of Bank OCBC NISP since 2005. Previously Independent Commissioner (2004-2005). Joined OCBC Bank-Singapore in 1990. Branch Manager of OCBC Bank Hong Kong branch for 9 years, after which he was responsible for OCBC Bank operations in the North Asian region. Worked in the International Bank of Singapore for 11 years, with assignment in Taiwan for 7 years.

Na Wu Beng

wakil Presiden Direktur Deputy President Director

Profil Direksi

Profile of The Board of Directors

1

2

Bawah, Kiri ke Kanan | Below, Left to Right: 5. Rama Pranata Kusumaputra 6. Louis (Luianto) Sudarmana 7. Rudy N. Hamdani 8. Alan Jenviphakul

5 6

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35

Direktur Bank OCBC NISP sejak April 1997. Bergabung dengan Bank OCBC NISP tahun 1985 dan menangani berbagai posisi dan bidang dengan jabatan terakhir Pemimpin Kantor Cabang Asia Afrika Bandung (1991-1997).

SESPIBANK (Sekolah Pimpinan Perbankan LPPI), 1989. Sarjana Hukum dari Universitas Parahyangan, Bandung, 1985.

Direktur Bank OCBC NISP sejak tahun 2003. Bekerja di Bank OCBC NISP sejak tahun 1988 dan menangani berbagai posisi dengan jabatan terakhir sebagai Asisten Direksi (1997-2002). Komisaris PT NISP Sekuritas (2000-2003).

MBA di Sekolah Tinggi Manajemen Bandung, tahun 1997. Sarjana Fakultas Teknik Sipil Universitas Parahyangan, Bandung, 1988.

Appointed as a Director of Bank OCBC NISP since April 1997. Joined Bank OCBC NISP in 1985 and handled various positions and functions with the latest position held as Head of Asia Afrika Bandung Branch (1991-1997). Participated in SESPIBANK (LPPI Banking Management Institute), 1989. Has a Bachelor’s degree in Law from Parahyangan University, Bandung, 1985.

Director of Bank OCBC NISP since 2003. Joined Bank OCBC NISP since 1988 and handled various positions with the latest position as Assistant Director (1997-2002). Commissioner of PT NISP Sekuritas (2000-2003). Has an MBA degree from Sekolah Tinggi Manajemen Bandung, in 1997 and a Bachelor’s degree from the Faculty of Civil Engineering, Parahyangan University, Bandung, 1988.

Hardi Juganda

Direktur Managing Director

Yogadharma Ratnapalasari Direktur Managing Director

3

4

Bawah, Kiri ke Kanan | Below, Left to Right: 5. Rama Pranata Kusumaputra 6. Louis (Luianto) Sudarmana 7. Rudy N. Hamdani

8. Alan Jenviphakul 7 8

3 4

Atas, Kiri ke Kanan | Above, Left to Right: 1. Parwati Surjaudaja

2. Na Wu Beng 3. Hardi Juganda

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Direktur Bank OCBC NISP sejak 2006. Bergabung dengan Bank OCBC NISP sejak tahun 2001 pernah menjabat sebagai Koordinator Regional Jabodetabek dan dengan jabatan terakhir sebagai Asisten Direksi (2005). Menempati berbagai posisi di Bank Bali selama 11 tahun dengan posisi terakhir sebagai General Manager.

Sarjana Ekonomi dari Universitas Katholik Atmajaya, Jakarta, 1989.

Direktur Bank OCBC NISP sejak 2006. Berkarir 26 tahun di berbagai perusahaan Nasional dan Internasional termasuk Bank of America, Danamon, Rabobank, HSBC, dan Bank Mega.

Bachelor Chemical dari University of New South Wales, Australia 1979. MEngSc dari University of New South Wales, Australia 1984. Diploma of Mortgage Lending dari Securities Institute of Australia. SESPIBI XII, 1995.

Direktur Bank OCBC NISP sejak April 2007. Sebelumnya bekerja di Bank Internasional Indonesia (1989-2007) dengan posisi terakhir sebagai Direktur. Berpengalaman lebih dari 20 tahun dan memegang berbagai posisi penting antara lain Card Center Manager, SVP Consumer Banking

and E-Banking, Director of Consumer, Commercial and E-Banking, Director Consumer Banking. Pernah menjabat sebagai Treasury – AKKI

(Credit Card Association Indonesia) pada tahun 1992 dan sebagai Vice Chairman – AKKI (1997). Selain itu juga pernah menjabat sebagai Visa

International Advisor – Risk Management dan Master Card International Advisor - Marketing.

Menyelesaikan pendidikan di St. Mary’s College Morage, California – Amerika Serikat, jurusan Business Administration & Economic pada tahun 1987 dan Alumni Mastercard University, Managing Consumer

Credit Portfolio, serta Bank Card Visa.

Warga Negara Thailand, 39 tahun.

Direktur Bank OCBC NISP sejak tahun 2009. Meniti karir di Citibank N.A. di bidang Treasury, dengan jabatan: Managing Director – Country

Treasurer and Head of Markets, Citibank N.A., Indonesia (2006-2009); Director - Country Treasurer and Sales & Trading Head, Citibank N.A.,

Vietnam (2004 – 2006); Vice President - Global Relationship Banking

Head, Citibank N.A., Thailand (2003-2004); Vice President - Fixed Income/ Asset-Based Finance, Citibank N.A., New York, USA (2001-2003); Citibank

N.A.,Thailand Vice President - Senior Treasury Marketing Dealer (1998-2000). Sebelumnya bekerja di Bisnews Agency Limited, Thailand Special Projects (1993-1994).

Director of Bank OCBC NISP since 2006. Joined Bank OCBC NISP since 2001. Previously, served as Regional Coordinator for Jabodetabek area and his last position was Assistant Director (2005). Held various positions in Bank Bali for 11 years with the latest position as General Manager. Obtained his Bachelor’s Degree in Economics from Catholic University of Atmajaya, Jakarta, 1989.

Director of Bank OCBC NISP since 2006. Established a professional career for over 26 years in various National and International companies including Bank of America, Danamon, Rabobank, HSBC, and Bank Mega. Obtained Bachelor Chemical from the University of New South Wales, Australia in 1979, and a MEngSc degree from the University of New South Wales, Australia in 1984. Has a Diploma of Mortgage Lending from the Securities Institute of Australia. Participated in SESPIBI XII, 1995. Indonesian Citizen, age 47.

Director of Bank OCBC NISP since April 2007. Previously worked in Bank Internasional Indonesia (1989-2007) with his last position as Director. Has experience of more than 20 years in various capacities, among others Card Center Manager, SVP Consumer Banking and E-Banking, Director of Consumer, Commercial and E-Banking, Director of Consumer Banking. Held position as Treasury – AKKI (Credit Card Association Indonesia) in 1992 and as Vice Chairman – AKKI (1997). Was also Visa International Advisor – Risk Management and Master Card International Advisor - Marketing.

Completed his education in St. Mary’s College Morage, California – United States, in Business Administration & Economics in 1987 and Alumni Mastercard University, Managing Consumer Credit Portfolio, as well as Bank Card Visa.

Thai Citizen, age 39.

Managing Director of Bank OCBC NISP since 2009. Built his career in Citibank N.A. in Treasury, with positions: Managing Director – Country Treasurer and Head of Markets, Citibank N.A., Indonesia (2006-2009); Director - Country Treasurer and Sales & Trading Head, Citibank N.A., Vietnam (2004 – 2006); Vice President - Global Relationship Banking Head, Citibank N.A., Thailand (2003-2004); Vice President - Fixed Income/Asset-Based Finance, Citibank N.A., New York, USA (2001-2003); Citibank N.A.,Thailand Vice President - Senior Treasury Marketing Dealer (1998-2000). Previously worked at Bisnews Agency Limited, Thailand Special Projects (1993-1994).

Rama P. Kusumaputra Direktur Managing Director

Louis (Luianto) Sudarmana Direktur Managing Director

Rudy N. Hamdani Direktur Managing Director

Alan Jenviphakul Direktur Managing Director