Kepedulian dan Empati kepada Masa Depan Nasabah. Care and Empathy for the Customers Future

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Nilai perusahaan “Genuine” di OCBC NISP menempatkan nasabah sebagai mitra terhormat yang berhak atas perhatian dan pelayanan yang fokus serta konsisten, guna mengantisipasi peluang dan memenuhi aspirasi nasabah dalam mengembangkan masa depan

“Genuine” is a core value of OCBC NISP which places customers as the Bank’s respectable partners who are always pampered with focused service and attention to ancipate opportunities and fulfill aspirations of customers for a better future, as

Care and Empathy for the Customers’ Future

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Dalam memberikan solusi, Bank OCBC

NISP selalu menjaga agar solusi yang

diberikan tetap dalam koridor praktik

perbankan yang sehat dengan tetap

memperhatikan penerapan

prinsip-prinsip utama GCG yang merupakan

komitmen Bank OCBC NISP kepada

stakeholders.

In providing service, Bank OCBC NISP constantly

maintains that the solutions offered to customers stay

within the corridor of sound banking practices whilst

maintaining the implementation of key GCG principles

which represent Bank OCBC NISP’s commitment to

stakeholders.

Laporan Tata Kelola Perusahaan

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TATA KELOLA PERUSAHAAN

GOOD CORPORATE GOVERNANCE

To satisfy customers’ business needs which have grown more complex, Bank OCBC NISP continually increases its business activities whilst upholding sound banking practices and the prudential principle. Bank OCBC NISP takes on the role of “Your Partner for Life” to its customers by striving to understand customer needs and delivering the most optimal banking solutions.

In providing service, Bank OCBC NISP constantly maintains that the solutions offered to customers stay within the corridor of sound banking practices whilst maintaining the implementation of key GCG principles which represent Bank OCBC NISP’s commitment to stakeholders.

GOVERNANCE STRUCTURE

The operational framework and structure of governance at Bank OCBC NISP comply with: the law (such as Stock Exchange and Capital Market Law, Company Law and others); Regulations (such as Bank Indonesia Regulations); the Company’s Articles of Association and relevant international best practice.

GENERAL MEETING OF SHAREHOLDERS In 2009, Bank OCBC NISP has held the Annual General Meeting of Shareholders (AGM) and Extraordinary General Meeting of Shareholders (EGM) as follows:

Untuk memenuhi kebutuhan usaha para nasabah yang semakin kompleks, Bank OCBC NISP terus meningkatkan aktivitas bisnisnya dengan tetap memperhatikan prinsip kehati-hatian dan praktik perbankan yang sehat. Bank OCBC NISP menempatkan diri sebagai “Your Partner for Life” bagi nasabahnya dengan berusaha untuk mengerti apa yang menjadi kebutuhan nasabah dan memberikan solusi terbaik untuk mengatasinya.

Dalam memberikan solusi, Bank OCBC NISP selalu menjaga agar solusi yang diberikan tetap dalam koridor praktik perbankan yang sehat dengan tetap memperhatikan penerapan prinsip-prinsip utama GCG yang merupakan komitmen Bank OCBC NISP kepada para

stakeholders.

STRUKTUR TATA KELOLA

Struktur dan kerangka operasional tata kelola Bank OCBC NISP mengikuti: peraturan perundang-undangan (seperti UU Pasar Modal dan Bursa, UUPT dan lain-lain); Regulasi (seperti Peraturan Bank Indonesia); Anggaran Dasar Perusahaan dan praktik terbaik internasional yang relevan.

RAPAT UMUM PEMEGANG SAHAM

Pada tahun 2009, Bank OCBC NISP telah menyelenggarakan Rapat Umum Pemegang Saham Tahunan (RUPST) dan RUPS Luar Biasa (RUPSLB) sebagai berikut:

Struktur dan kerangka operasional tata kelola Bank OCBC NISP mengikuti peraturan perundang-undangan dan praktik terbaik internasional.

The operational framework and structure of governance at Bank OCBC NISP comply with the law and international best practice.

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Annual General Meeting of Shareholders (AGMS)

1. AGMS held on March 23, 2009 accepted and approved the Annual Report of the Bank for the year ended December 31, 2008, comprising of the Annual Report of the Board of Directors and report on oversight performed by the Board of Commissioners; also received and approved as well as endorsed the Balance Sheet and Statements of Income of the Bank for the financial year ended December 31, 2008 that were audited by Public Accountant Office of Haryanto Sahari & Rekan (a member firm of PricewaterhouseCoopers) with reference to the report dated January 27, 2009 with an unqualified opinion. Thus discharged members of the Board of Directors and the Board of Commissioners from all their responsibilities and liability (acquit et de charge) for managing and supervising the Bank during the financial year 2008, for as long as their actions are reflected in the annual report and financial report of the Bank, with the exception of fraud and other criminal acts.

2. Approved the appropriation of the Bank’s profit for the financial year 2008 in the amount of Rp 316,921,406,046, which would not to be distributed as dividends to shareholders. Instead, the funds would be utilized for general reserves in the amount of Rp 100,000,000, pursuant to Law No. 40 Year 2007 on Limited Liability Company, and the remaining amount to fully support the Bank’s capitalization.

3. Granted authority upon the Board of Directors based on approval from the Board of Commissioners or no less than 3 (three) members of the Bank’s Board of Commissioners as elected by the Board of Commissioners, following the recommendation provided by the Audit Committee to appoint the Bank’s auditor (Public Accountant) for the financial year 2009 and to determine the amount of honorarium as well as other terms and conditions for such appointment.

4. Declared that there has not been a change in the composition of the Board of Commissioners of the Bank. Approved changes in the composition of the Board of Directors as follows:

President Director : Parwati Surjaudaja Deputy President Director : Na Wu Beng Director : Hardi Juganda

Director : Yogadharma Ratnapalasari Director : Rama P. Kusumaputra Director : Louis (Luianto) Sudarmana Director : Rudy N. Hamdani Director : Alan Jenviphakul Rapat Umum Pemegang Saham Tahunan (RUPST)

1. RUPST tanggal 23 Maret 2009 menerima baik dan menyetujui Laporan Tahunan Bank untuk tahun buku yang berakhir pada tanggal 31 Desember 2008, termasuk di dalamnya laporan tahunan Direksi dan laporan tugas pengawasan Dewan Komisaris; serta menerima baik dan menyetujui serta mengesahkan Neraca dan perhitungan Laba Rugi Bank untuk tahun buku yang berakhir pada tanggal 31 Desember 2008 yang telah diaudit oleh Kantor Akuntan Publik Haryanto Sahari & Rekan (a member firm of PricewaterhouseCoopers) sesuai dengan laporan tanggal 27 Januari 2009 dengan pendapat “wajar tanpa pengecualian”. Dengan demikian membebaskan anggota Direksi dan Dewan Komisaris Bank dari tanggung jawab dan segala tanggungan (acquit et de charge) atas tindakan pengurusan dan pengawasan yang telah mereka jalankan selama tahun buku 2008, sepanjang tindakan tersebut tercermin dalam laporan tahunan dan laporan keuangan kecuali perbuatan penggelapan, penipuan dan tindak pidana lainnya.

2. Menyetujui penetapan penggunaan laba Bank tahun buku 2008 sebesar Rp 316.921.406.046,- dimana diputuskan tidak dibagikan sebagai dividen kepada pemegang saham dan dipergunakan untuk cadangan umum sebesar Rp 100.000.000,- sesuai UU No. 40 Tahun 2007 tentang Perseroan Terbatas dan sisanya sepenuhnya akan digunakan untuk memperkuat posisi permodalan Bank. 3. Menyetujui pemberian wewenang kepada Direksi Bank

berdasarkan persetujuan dari Dewan Komisaris atau sekurang-kurangnya 3 (tiga) anggota Dewan Komisaris Bank yang ditunjuk oleh Dewan Komisaris Bank, setelah mendapatkan rekomendasi dari Komite Audit untuk mengangkat Akuntan Publik untuk tahun buku 2009 dan menetapkan jumlah honorarium serta persyaratan lainnya bagi Akuntan Publik yang ditunjuk tersebut.

4. Menyatakan tidak terdapat perubahan dalam susunan Dewan Komisaris Bank. Menyetujui perubahan susunan Direksi Bank menjadi sebagai berikut:

Presiden Direktur : Parwati Surjaudaja Wakil Presiden Direktur : Na Wu Beng Direktur : Hardi Juganda

Direktur : Yogadharma Ratnapalasari Direktur : Rama P. Kusumaputra Direktur : Louis (Luianto) Sudarmana Direktur : Rudy N. Hamdani

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5. Approved to grant authority upon the Board of Commissioners or no less than 3 members of the Board of Commissioners, as elected by the Board of Commissioners of the Bank, to appoint members of the Sharia Supervisory Board and to determine the salary/honorarium as well as benefits for the said Board with due consideration to the recommendations provided by the Remuneration and Nomination Committee of the Bank. Approved to grant such authority up to such time that said resolution will be revoked by the Meeting.

Extraordinary General Meeting of Shareholders

Approved amendments to the Articles of Association of the Bank, among others amendments to Article 3 – Purpose and Objectives, Article 16 – Duties and Responsibilities of the Board of Directors and Article 18 – Board of Commissioners and Sharia Supervisory Board.

BOarD Of COmmISSIONerS

Members of the Board of Commissioners of Bank OCBC NISP are appointed by shareholders to oversee the Board of Directors in carrying out their duties and responsibilities as well as to provide advice to the Board of Directors.

Duties and Responsibilities of the Board of Commissioners The Board of Commissioners is responsible for oversight on the management of the Bank by the Board of Directors and provides advice to the Board of Directors. The Board of Commissioners provides direction, monitoring and evaluation on the implementation of strategic policies at Bank OCBC NISP, including ensuring application of Good Corporate Governance principles in all business activities and at all levels and hierarchy of the Bank.

During 2009, BOC has fulfilled its duties in relation to the management of the Company by the Board of Directors, by way of supervising, monitoring, and evaluating the execution of the Bank’s strategic policies, including ensuring GCG implementation in all of the Bank’s business activities and at all levels and hierarchy of the Bank.

Number, Composition and Independence of the Board of Commissioners

• Members of the BOC of Bank OCBC NISP are professionals who have extensive expertise and experience in the areas of banking, finance, capital market, management, law, government, corporations and international institutions, as well as services and risk management.

• In compliance to Bank Indonesia regulations, each BOC member has passed the Fit and Proper Test.

• Biodata of the Commissioners are presented on page 26-29 of this Annual Report.

5. Menyetujui pemberian wewenang kepada Dewan Komisaris atau sekurang-kurangnya 3 anggota Dewan Komisaris yang ditunjuk oleh Dewan Komisaris Bank, untuk melakukan pengangkatan anggota Dewan Pengawas Syariah dan menentukan besarnya gaji/honorarium serta tunjangan bagi Dewan Pengawas Syariah dengan memperhatikan rekomendasi dari Komite Remunerasi dan Nominasi Bank. Menyetujui memberikan kewenangan tersebut sampai dengan dicabutnya kembali pemberian kewenangan oleh Rapat.

Rapat Umum Pemegang Saham Luar Biasa

Menyetujui perubahan Anggaran Dasar Bank, antara lain perubahan Pasal 3 - Maksud dan Tujuan, Pasal 16 - Tugas dan Wewenang Direksi dan Pasal 18 - Dewan Komisaris dan Dewan Pengawas Syariah.

DeWaN KOmISarIS

Dewan Komisaris Bank OCBC NISP diangkat oleh Pemegang Saham untuk melakukan pengawasan terhadap pelaksanaan tugas dan tanggung jawab Direksi, dan untuk memberi nasihat kepada Direksi.

Tugas dan Tanggung Jawab Dewan Komisaris

Dewan Komisaris bertanggung jawab dalam melakukan pengawasan atas kebijakan pengelolaan perusahaan oleh Direksi dan memberikan nasihat kepada Direksi. Dewan Komisaris mengarahkan, memantau, dan mengevaluasi pelaksanaan kebijakan strategis Bank OCBC NISP, termasuk memastikan terselenggaranya pelaksanaan Tata Kelola Perusahaan dalam setiap kegiatan usaha dan pada seluruh tingkatan atau jenjang organisasi.

Sepanjang tahun 2009, Dewan Komisaris telah melaksanakan fungsinya terhadap pelaksanaan pengelolaan perusahaan oleh Direksi dengan melakukan pengarahan, pemantauan, dan evaluasi pelaksanaan kebijakan strategis Bank, termasuk memastikan terselenggaranya pelaksanaan GCG dalam setiap kegiatan usaha Bank pada seluruh tingkatan atau jenjang organisasi.

Jumlah, Komposisi dan Independensi Dewan Komisaris

• Anggota Dewan Komisaris Bank OCBC NISP merupakan para profesional dengan keahlian dan pengalaman yang luas di bidang perbankan, keuangan, pasar modal, manajemen, hukum, pemerintahan, perusahaan dan institusi internasional, serta di bidang pelayanan dan pengelolaan risiko.

• Sesuai dengan ketentuan Bank Indonesia, setiap anggota Dewan Komisaris telah lulus Penilaian Kemampuan dan Kepatutan (Fit and Proper Test).

• Rincian kualifikasi para Komisaris disajikan dalam profil singkat di halaman 26-29 pada Laporan Tahunan ini.

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The overall composition of the Board of Commissioners of Bank OCBC NISP is as follows:

Chairman : Pramukti Surjaudaja

Deputy Chairman (Independent Commissioner) : Peter Eko Sutioso

Commissioner : Lelarati Lukman

Commissioner (Independent Commissioner) : Roy Athanas Karaoglan

Commissioner : David Philbrick Conner Commissioner (Independent Commissioner) : Goh Kim Bun, Benny

Commissioner (Independent Commissioner) : Jusuf Halim Commissioner : Lai Teck Poh (Dua Teck Poh)

In 2009, the composition, criteria and independence of the Board of Commissioners comply with the regulations of Bank Indonesia as follows:

1. The Board of Commissioners of Bank OCBC NISP is headed by the Chairman, namely Pramukti Surjaudaja.

2. Replacement and appointment of Commissioners have taken into consideration the recommendation of the Remuneration and Nomination Committee and approval from the GMS and Bank Indonesia.

3. Four of the Commissioners are permanent residents in Indonesia.

4. 50% (fifty percent) of the Board members are Independent Commissioners.

5. Most of the Commissioners have no family relationship to the second degree with other members of the Board of Commissioners and/or Board of Directors.

Independent Commissioners

• As part of Bank OCBC NISP’s commitment to implement Good Corporate Governance, the composition of the BOC complies with the regulations of Bank Indonesia and the Indonesia Stock Exchange (previously Jakarta Stock Exchange).

• In 2009, 4 (four) out of 8 (eight) BOC members are Independent Commissioners of Bank OCBC NISP, namely Peter Eko Sutioso, Roy Athanas Karaoglan, Jusuf Halim and Goh Kim Bun, Benny.

Term of Office

• The replacement and/or appointment of Commissioners took into consideration recommendations of the Remuneration and Nomination Committee and were approved by the GMS.

• Pursuant to the Articles of Association, the term of office of a BOC member is effective on the date resolved in the GMS and expires on the date of the third AGM following the date of appointment.

• A BOC member, whose term of office has expired, may be reappointed by the GMS.

Selengkapnya susunan Dewan Komisaris Bank OCBC NISP adalah sebagai berikut:

Presiden Komisaris : Pramukti Surjaudaja Wakil Presiden Komisaris (Komisaris Independen) :

Peter Eko Sutioso

Komisaris : Lelarati Lukman Komisaris (Komisaris Independen) :

Roy Athanas Karaoglan

Komisaris : David Philbrick Conner Komisaris (Komisaris Independen):

Goh Kim Bun, Benny

Komisaris (Komisaris Independen): Jusuf Halim Komisaris: Lai Teck Poh (Dua Teck Poh)

Pada tahun 2009, komposisi, kriteria dan independensi Dewan Komisaris, telah sesuai dengan ketentuan Bank Indonesia sebagai berikut:

1. Dewan Komisaris Bank OCBC NISP dipimpin oleh Presiden Komisaris yaitu Pramukti Surjaudaja.

2. Penggantian dan atau pengangkatan Komisaris telah memperhatikan rekomendasi Komite Remunerasi dan Nominasi serta memperoleh persetujuan dari RUPS dan Bank Indonesia.

3. Empat anggota Dewan Komisaris berdomisili di Indonesia. 4. 50% (lima puluh persen) dari jumlah Dewan Komisaris

merupakan Komisaris Independen.

5. Mayoritas Komisaris tidak saling memiliki hubungan keluarga sampai dengan derajat kedua dengan sesama anggota Dewan Komisaris dan/atau Direksi.

Komisaris Independen

• Sebagai perwujudan Bank OCBC NISP dalam menjalankan

Good Corporate Governance, komposisi Dewan Komisaris

telah mematuhi peraturan Bank Indonesia dan Bursa Efek Jakarta (sekarang Bursa Efek Indonesia).

• Pada tahun 2009, 4 (empat) orang (50%) dari 8 (delapan) anggota Dewan Komisaris, merupakan Komisaris Independen Bank OCBC NISP yaitu Peter Eko Sutioso, Roy Athanas Karaoglan, Jusuf Halim, dan Goh Kim Bun, Benny.

Masa Jabatan

• Penggantian dan/atau pengangkatan anggota Dewan Komisaris telah memperhatikan rekomendasi Komite Remunerasi dan Nominasi serta memperoleh persetujuan dari RUPS.

• Masa jabatan seorang anggota Dewan Komisaris sesuai Anggaran Dasar adalah efektif sejak tanggal yang ditentukan dalam RUPS dan berakhir pada saat RUPS Tahunan ke-3 setelah tanggal pengangkatan tersebut. • Anggota Dewan Komisaris yang telah habis masa

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Board of Commissioners Meeting

• The Board may call a meeting at any time as required, provided no less than four meetings in one year.

• At the BOC meeting, members of the Board of Directors, Executive Officers, and Internal Audit shall be invited to provide the BOC with a comprehensive understanding on the development of Bank OCBC NISP’s business.

• The BOC meeting provides a forum for discussion of quarterly reports submitted by the Committees.

• In 2009, there were held a total of 4 BOC meetings, with details of attendance as follows:

Recommendations of the Board of Commissioners

The BOC undertakes the duty to oversee the performance of duties and responsibilities by the Board of Directors on a regular basis and from time to time, as well as to provide advice to the Board of Directors, with the scope of oversight as follows: • Strategic Oversight

To carry out supervision by directing, monitoring and evaluating implementation of strategic policies.

• Oversight on Risk

To oversee and ascertain that risk appetite and risk management are aligned to the strategic purpose, operational environment, effective internal control, capital adequacy and Bank Indonesia regulations.

Rapat Dewan Komisaris

• Dewan Komisaris dapat mengadakan rapat setiap waktu, namun tidak kurang dari empat kali dalam satu tahun. • Pada rapat Dewan Komisaris, anggota Direksi, Pejabat

Eksekutif dan Internal Audit dapat diundang sesuai dengan keperluan, untuk berpartisipasi dalam rangka mendapatkan pemahaman mendalam mengenai usaha Bank OCBC NISP.

• Agenda rapat Dewan Komisaris mencakup pembahasan atas laporan triwulan yang disampaikan oleh komite-komite yang dibentuk Dewan Komisaris.

• Selama tahun 2009, telah dilangsungkan 4 kali rapat Dewan Komisaris, dengan daftar hadir anggota adalah sebagai berikut:

Rekomendasi Dewan Komisaris

Dewan Komisaris melaksanakan fungsi pengawasan terhadap pelaksanaan tugas dan tanggung jawab Direksi secara berkala maupun sewaktu-waktu dan memberi masukan kepada Direksi, dengan lingkup pengawasan sebagai berikut:

• Pengawasan Stratejik

Melakukan pengawasan dengan mengarahkan, memantau dan mengevaluasi implementasi kebijakan stratejik. • Pengawasan Terhadap Risiko

Melakukan pengawasan untuk memastikan bahwa risk

appetite serta kegiatan manajemen risiko sejalan dengan

tujuan stratejik, lingkungan operasional, pengendalian internal yang efektif, kecukupan modal, dan ketentuan Bank Indonesia.

Masa Jabatan masing-masing Anggota Dewan Komisaris The Term of Office of Board of Commissioners

No Nama_Name Jabatan_Position Persetujuan BI_{BI’s Approval} RUPS_GMS _{Term of Office}Masa Jabatan 1. Pramukti Surjaudaja Presiden Komisaris Chairman Dec 16, 2008 Oct 16, 2008 2008-2011 2. Peter Eko Sutioso Wakil Presiden Komisaris (Komisaris Independen)

Deputy Chairman (Independent Commissioner) June 05, 1997 Apr 24, 2007 2007-2010

3. Lelarati Lukman Komisaris Commissioner Aug 21, 1982 Apr 24, 2007 2007-2010 4. Roy Athanas Karaoglan Komisaris (Komisaris Independen)

Commissioner (Independent Commissioner) Sep 8, 2003 Apr 24, 2007 2007-2010

5. David Philbrick Conner Komisaris Commissioner Oct 10, 2005 Apr 30, 2008 2008-2011 6. Jusuf Halim Komisaris (Komisaris Independen)

Commissioner (Independent Commissioner) Oct 11, 2006 Jan 4, 2006 2009-2012

7. Goh Kim Bun, Benny Komisaris (Komisaris Independen)

Commissioner (Independent Commissioner) Aug 7, 2007 Apr 24, 2007 2007-2010

8. Lai Teck Poh (Dua Teck Poh) Komisaris Commissioner Sep 4, 2008 Apr 30, 2008 2008-2011

Daftar Hadir Rapat Dewan Komisaris Attendance of Meeting of the Board of Commissioners

No Nama_Name _{Attendance of Meeting}Daftar Hadir Rapat No Nama_Name _{Attendance of Meeting}Daftar Hadir Rapat

1. Pramukti Surjaudaja 4 5. David Philbrick Conner 4

2. Peter Eko Sutioso 4 6. Jusuf Halim 4

3. Lelarati Lukman 4 7. Goh Kim Bun, Benny 4

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• Oversight on Capital Utilization

To ensure that capital adequacy provisions have been enforced by the Board of Directors in accordance with business practices and ethics, with due consideration to obtain acceptable return.

• Oversight on GCG Implementation

To guarantee application of GCG principles in all business activities at every level of the organization, including by establishing the corporate values.

To facilitate oversight on the performance of duties and responsibilities by the Board of Directors, joint meetings of the BOC and BOD are convened periodically, including to carry out coordination and reporting of the Directors’ performance. During 2009, there were held a total of 4 joint BOC and BOD Meetings, with details as follows:

The BOarD Of DIreCTOrS

The BOD is responsible for managing and developing good corporate governance at Bank OCBC NISP. The BOD also ensures the sustainability of Bank OCBC NISP’s business over the long term, the achievement of performance levels that are in line with established targets, as well as the management of prudent banking principle in the general interest of the shareholders. Duties and Responsibilities of the Board of Directors

The Board of Directors is responsible for managing the Bank, applying business strategy and policy formulation and implementation, maintaining and managing assets of the Bank, ensuring achievement of business targets and purposes, maintaining and continuously driving operational effectiveness

• Pengawasan terhadap Penggunaan Modal

Memastikan bahwa ketentuan kecukupan modal dilaksanakan oleh Direksi sesuai dengan peraturan dan praktik bisnis, dengan mempertimbangkan secara seimbang kebutuhan untuk memperoleh imbal hasil yang memadai.

• Pengawasan terhadap Pelaksanaan GCG

Memastikan terselenggaranya pelaksanaan prinsip-prinsip GCG dalam setiap kegiatan usaha pada seluruh tingkatan atau jenjang organisasi, diantaranya menetapkan corporate values.

Dalam melaksanakan fungsi pengawasan terhadap pelaksanaan tugas dan tanggung jawab Direksi, secara berkala dilakukan rapat gabungan antara Dewan Komisaris dan Direksi salah satunya untuk keperluan koordinasi dan penyampaian laporan kinerja Direksi.

Selama tahun 2009 telah dilakukan 4 Rapat Gabungan Dewan Komisaris dan Direksi, dengan daftar hadir sebagai berikut:

DIreKSI

Direksi bertanggung jawab dalam pengelolaan dan pengembangan tata kelola perusahaan yang baik di Bank OCBC NISP. Direksi juga menjamin keberlangsungan usaha Bank OCBC NISP untuk jangka panjang, pencapaian tingkat kinerja yang sesuai dengan target usaha, serta pengelolaan prinsip kehati-hatian Bank demi kepentingan para pemangku kepentingan secara keseluruhan.

Tugas dan Tanggung Jawab Direksi

Direksi bertanggung jawab dalam pengelolaan Bank, penerapan pembuatan dan pelaksaanan kebijakan dan stategi usaha, pemeliharaan dan pengelolaan aktiva Bank, memastikan tercapainya target dan tujuan usaha, pemeliharaan dan terus menerus mengusahakan efisiensi dan efektivitas operasional termasuk melaksanakan prinsip-prinsip GCG dalam setiap

Rapat Gabungan Dewan Komisaris dan Direksi Joint Meeting of the Boards

No Nama_Name Daftar Hadir RapatAttendance of

Meeting No

Nama

Name

Daftar Hadir Rapat

Attendance of Meeting

1. Pramukti Surjaudaja 4 1. Parwati Surjaudaja 4

2. Peter Eko Sutioso 4 2. Na Wu Beng 4

3. Lelarati Lukman 4 3. Hardi Juganda 4

4. Roy Athanas Karaoglan 4 4. Yogadharma Ratnapalasari 4

5. David Philbrick Conner 4 5. Rama P. Kusumaputra 4

6. Jusuf Halim 4 6. Louis (Luianto) Sudarmana 4

7. Goh Kim Bun, Benny 4 7. Rudy N. Hamdani 4

8. Lai Teck Poh (Dua Teck Poh) 4 8. Alan Jenviphakul* 3

9. Kamsidin Wiradikusumah** 1

10. Tong Lay Kue, Rose** 1

* The appointment was effective on April 15, 2009 ** The resignation was effective on March 23, 2009

* Efektif menjabat terhitung 15 April 2009

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and efficiency, including enforcing GCG practices in all of the Bank’s businesses at all levels and strata of the organization. Number, Composition and Independence of the Board of Directors

• The BOD of Bank OCBC NISP is comprised of 8 (eight) members, headed by the President Director.

• Members of the BOD are professionals who have extensive experience in banking and have passed the Fit and Proper Test.

• Biodata of the Directors are presented on page 34-36 of this Annual Report.

• The composition of the BOD of Bank OCBC NISP is as follows:

President Director : Parwati Surjaudaja Deputy President Director : Na Wu Beng Director : Hardi Juganda

Director : Yogadharma Ratnapalasari Director : Rama P. Kusumaputra Director : Louis (Luianto) Sudarmana Director : Rudy N. Hamdani Director : Alan Jenviphakul

In 2009, the composition, criteria and independence of the Board of Directors comply with the regulations of Bank Indonesia as follows:

1. The Board of Directors is made up of more than 3 (three) members.

2. All BOD members are permanent residents in Indonesia. 3. All of the Directors have experience of no less than 5 (five)

years in operations serving as Executive Officer in bank(s). 4. Replacement and/or appointment of Directors has been

proposed by the BOC to the GMS with due consideration to the opinion/recommendation provided by Remuneration and Nomination Committee.

Term of Office

The replacement and/or appointment of Directors took into consideration recommendations of the Nomination Committee or the Remuneration and Nomination Committee.

Pursuant to the Articles of Association, the term of office of a Director is effective on the date resolved in the GMS and expires on the date of the third AGM following the date of appointment and may be reappointed by the GMS.

The term of office for each BOD member is as presented bellow:

kegiatan usaha Bank pada seluruh tingkatan atau jenjang organisasi.

Jumlah, Komposisi dan Independensi Direksi

• Direksi Bank OCBC NISP terdiri dari 8 (delapan) orang dan dipimpin oleh seorang Presiden Direktur.

• Anggota Direksi terdiri atas para profesional yang memiliki pengalaman panjang pada industri perbankan dan telah lulus Penilaian Kemampuan dan Kepatutan (Fit and Proper

Test).

• Rincian kualifikasi Direktur disajikan dalam profil singkat di halaman 34-36 pada Laporan Tahunan ini.

• Susunan Direksi Bank OCBC NISP adalah sebagai berikut:

Presiden Direktur : Parwati Surjaudaja Wakil Presiden Direktur : Na Wu Beng Direktur : Hardi Juganda

Direktur : Yogadharma Ratnapalasari Direktur : Rama P. Kusumaputra Direktur : Louis (Luianto) Sudarmana Direktur : Rudy N. Hamdani Direktur : Alan Jenviphakul

Pada tahun 2009, komposisi, kriteria dan independensi Direksi telah sesuai dengan ketentuan Bank Indonesia sebagai berikut:

1. Jumlah anggota Direksi lebih dari 3 (tiga) orang. 2. Seluruh anggota Direksi berdomisili di Indonesia.

3. Semua anggota Direksi telah memiliki pengalaman paling kurang 5 (lima) tahun di bidang operasional sebagai Pejabat Eksekutif bank.

4. Usulan penggantian dan/atau pengangkatan anggota Direksi oleh Dewan Komisaris kepada RUPS memperhatikan rekomendasi Komite Remunerasi dan Nominasi.

Masa Jabatan

Penggantian dan/atau pengangkatan anggota Direksi telah memperhatikan rekomendasi Komite Nominasi atau Komite Remunerasi dan Nominasi.

Masa jabatan seorang Direktur sesuai Anggaran Dasar Bank adalah efektif sejak tanggal yang ditentukan dalam RUPS dan berakhir pada saat RUPS Tahunan ke-3 (ketiga) setelah tanggal pengangkatan tersebut dan dapat diangkat kembali oleh RUPS.

Masa jabatan masing-masing anggota Direksi adalah sebagai berikut:

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Meeting of the Board of Directors

In 2009, there were held a total of 25 BOD meetings, with details of attendance as follows:

Training for the Board of Commissioners and Board of Directors

In support of effective performance of duties and responsibilities, the Board of Commissioners and the Board of Directors have actively participated in training programs throughout 2009 as follows:

Rapat Direksi

Sepanjang tahun 2009, telah diselenggarakan 25 kali rapat Direksi, dengan daftar hadir anggota sebagai berikut:

Pelatihan yang telah diikuti oleh Dewan Komisaris & Direksi

Untuk menunjang pelaksanaan tugas dan tanggung jawabnya, selama tahun 2009 telah dilakukan pelatihan untuk Dewan Komisaris dan Direksi sebagai berikut:

Masa Jabatan Direksi The Term of Office of the Board of Directors

No Nama_Name Jabatan_Position Persetujuan BI_{BI’s Approval} RUPS_GMS _{Term of Office}Masa Jabatan 1. Parwati Surjaudaja Presiden Direktur President Director Dec 16, 2008 Oct 16, 2008 2008-2011

2. Na Wu Beng Wakil Presiden Direktur

Deputy President Director

Aug 11, 2005 Mar 23, 2009 2009-2012

3. Hardi Juganda Direktur Managing Director Apr 15, 1997 Mar 23, 2009 2009-2012

4. Yogadharma Ratnapalasari Direktur Managing Director Oct 27, 2003 Mar 23, 2009 2009-2012 5. Rama P. Kusumaputra Direktur Managing Director Jul 03, 2006 Mar 23, 2009 2009-2012 6. Louis (Luianto) Sudarmana Direktur Managing Director Jul 03, 2006 March 23, 2009 2009-2012 7. Rudy N. Hamdani Direktur Managing Director Jul 30, 2007 Apr 24, 2007 2007-2010 8. Alan Jenviphakul* Direktur Managing Director Apr 15, 2009 Mar 23, 2009 2009-2012

9. Kamsidin Wiradikusumah** Direktur Managing Director - Mar 23, 2009

-10. Tong Lay Kuen Rose** Direktur Managing Director - Mar 23, 2009

-* The appointment was effective on April 15, 2009 ** The resignation was effective on March 23, 2009

** Efektif mengundurkan diri pada tanggal 23 Maret 2009

Daftar Hadir Rapat Direksi Attendance of Meeting of the Board of Directors

No Nama_Name _{Attendance of Meeting}Daftar Hadir Rapat No Nama_Name _{Attendance of Meeting}Daftar Hadir Rapat

1. Parwati Surjaudaja 25 6. Louis (Luianto) Sudarmana 24

2. Na Wu Beng 25 7. Rudy N. Hamdani 25

3. Hardi Juganda 25 8. Alan Jenviphakul* 14

4. Yogadharma Ratnapalasari 25 9. Kamsidin Wiradikusumah** 5

5. Rama P. Kusumaputra 24 10. Tong Lay Kuen, Rose** 6

* The appointment was effective on April 15, 2009 ** The resignation was effective on March 23, 2009

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COMMITTEES

Committees under the Board of Commisioners

To support the effective performance of its duties and responsibilities, the BOC has formed the Audit Committee, Risk Monitoring Committee and Remuneration and Nomination Committee.

Audit Committee

Structure, Members, Expertise and Independence

The Audit Committee of Bank OCBC NISP is headed by an Independent Commissioner, who is assisted by 3 (three) other members, consisting of an Independent Commissioner, an Independent Party with expertise in finance or accounting and an Independent Party with expertise in law or banking. The Audit Committee is made up of:

• Jusuf Halim, Chairman (Independent Commissioner) • Goh Kim Bun, Benny, Member (Independent Commissioner) • Made Rugeh Ramia, Member (Independent Party)

• Willy Prayogo, Member (Independent Party) KOMITE-KOMITE

Komite-komite yang bertanggung jawab kepada Dewan Komisaris

Dalam rangka mendukung efektivitas pelaksanaan tugas dan tanggung jawabnya, Dewan Komisaris telah membentuk Komite Audit, Komite Pemantau Risiko dan Komite Remunerasi dan Nominasi.

Komite Audit

Struktur, Keanggotaan, Keahlian dan Independensi

Komite Audit Bank OCBC NISP diketuai oleh Komisaris Independen dan dibantu oleh 3 (tiga) anggota yang terdiri atas seorang Komisaris Independen, Pihak Independen yang memiliki keahlian di bidang keuangan atau akuntansi dan seorang Pihak Independen yang memiliki keahlian di bidang hukum atau perbankan.

Komite Audit terdiri dari:

• Jusuf Halim, Ketua (Komisaris Independen)

• Goh Kim Bun, Benny, Anggota (Komisaris Independen) • Made Rugeh Ramia, Anggota (Pihak Independen) • Willy Prayogo, Anggota (Pihak Independen)

Pelatihan Dewan Komisaris dan Direksi Training of the BOD and BOC

No Nama _Name Judul_Title Penyelenggara _Organizer _LocationLokasi

1. Jusuf Halim Sharia Banking Overview Batasa Taskia Jakarta

2. Jusuf Halim Sharia Operational Principle Batasa Taskia Jakarta

3. Parwati Surjaudaja Media Training for Leaders Ira Kusno Communication Jakarta

4. Parwati Surjaudaja Sharia Banking Overview Batasa Taskia Jakarta

5. Parwati Surjaudaja Sharia Operational Principle Batasa Taskia Jakarta

6. Na Wu Beng Sharia Banking Overview Batasa Taskia Jakarta

7. Na Wu Beng Sharia Operational Principle Batasa Taskia Jakarta

8. Hardi Juganda Media Training for Leaders Ira Kusno Communication Jakarta

9. Hardi Juganda Study Visit Corporate Banking OCBC Bank-Singapore Singapore

10. Yogadharma Ratnapalasari Media Training for Leaders Ira Kusno Communication Jakarta

11. Yogadharma Ratnapalasari Sharia Banking Overview Batasa Taskia Jakarta

12. Yogadharma Ratnapalasari Sharia Operational Principle Batasa Taskia Jakarta 13. Rama P. Kusumaputra Media Training for Leaders Ira Kusno Communication Jakarta

14. Rama P. Kusumaputra Sharia Banking Overview Batasa Taskia Jakarta

15. Rama P. Kusumaputra Sharia Operational Principle Batasa Taskia Jakarta

16. Louis (Luianto) Sudarmana Media Training for Leaders Ira Kusno Communication Jakarta 17. Louis (Luianto) Sudarmana Study Visit Corporate Banking OCBC Bank-Singapore Singapore 18. Rudy N. Hamdani Media Training for Leaders Ira Kusno Communication Jakarta

19. Rudy N. Hamdani Sharia Banking Overview Batasa Taskia Jakarta

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Duties and Responsibilities of the Audit Committee

The Audit Committee is charged with the duties and responsibility to monitor and review the following:

- Plan, scope, findings, effectiveness and objectivity of the audit process conducted by the Public Accountant and the Internal Audit

- Adequacy of the internal control system, including accounting control based on inputs from the Public Accountant, Internal Audit Division and Compliance Division.

- The conformity of Bank’s financial reporting with the prevailing accounting standard.

- Follow up by the Board of Directors on findings by the Internal Audit Division, Public Accountant and Bank Indonesia as a basis for recommendations to the Board of Commissioners.

The Audit Committee also gives recommendation to the Board of Commissioners on the appointment or reappointment of the Public Accountant, to be presented to the GMS.

Frequency of the Audit Committee Meeting

Committee Meeting is convened as required by the Bank. Pursuant to the Audit Committee Charter, the Committee may call a meeting at any time as deemed necessary or no less than four times a year.

In 2009, the Audit Committee has held a total of 19 (nineteen) meetings. The attendance at Committee Meeting is as described below:

Activity report and review by the Audit Committee in 2009 is presented separately onpage 90 in this Annual Report. Tugas dan Tanggung Jawab Komite Audit

Komite Audit memiliki tugas dan tanggung jawab melakukan pemantauan dan review atas:

- Rencana, cakupan, hasil, efektivitas dan obyektivitas proses audit yang dilaksanakan Akuntan Publik dan Internal Audit.

- Kecukupan sistem pengendalian intern, termasuk pengendalian akuntansi berdasarkan masukan dari Akuntan Publik, Internal Audit Division dan Compliance Division.

- Kesesuaian pelaporan keuangan Bank dengan standar akuntansi yang berlaku.

- Pelaksanaan tindak lanjut Direksi atas hasil temuan Internal Audit Division, Akuntan Publik dan hasil pengawasan Bank Indonesia guna memberikan rekomendasi kepada Dewan Komisaris.

Komite Audit juga memberikan rekomendasi kepada Dewan Komisaris mengenai penunjukan atau penunjukan kembali Akuntan Publik untuk direkomendasikan kepada RUPS.

Frekuensi Rapat Komite Audit

Rapat Komite telah diselenggarakan sesuai dengan kebutuhan Bank. Berdasarkan Piagam Komite Audit, Komite mengadakan rapat setiap saat diperlukan atau paling sedikit empat kali setahun.

Selama tahun 2009, Komite Audit telah menyelenggarakan 19 (sembilan belas) pertemuan. Kehadiran pada rapat Komite Audit adalah sebagai berikut:

Laporan aktivitas dan pengkajian Komite Audit untuk tahun 2009 disajikan terpisah pada halaman 90 pada Laporan Tahunan ini.

No Nama _Name _PositionJabatan

Daftar Hadir Rapat

Attendance of Meeting

1. Jusuf Halim Komisaris Independen Independent Commissioner 19

2. Goh Kim Bun, Benny Komisaris Independen Independent Commissioner 19

3. Made Rugeh Ramia Pihak Independen Independent Party 19

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Remuneration and Nomination Committee Structure, Members, Expertise and Independence

The Remuneration and Nomination Committee is responsible for formulating the selection criteria and nomination procedures for the Bank’s Commissioners and Directors. The Remuneration and Nomination Committee consists of the following members:

• Roy Athanas Karaoglan, Chairman • Pramukti Surjaudaja, Member • Peter Eko Sutioso, Member • David Philbrick Conner, Member • Purnomo Santoso Nurhalim, Member Duties and Responsibilities

The Remuneration and Nomination Committee has provided recommendation and conducted review on human resource management policies for recommendation to the Board of Commissioners:

• To conduct review on policies for managing remuneration for the Board of Commissioners and the Board of Directors.

• To evaluate recommendation to ensure that the remuneration package appropriately consists of evaluation criteria related to the Bank’s performance, targets and strategies and simultaneously effective to attract, retain and motivate highly-qualified Commissioners, Directors and Executive Officers.

• To provide recommendations on the Bank’s remuneration policies to the Board of Commissioners.

• To select and review nominees for position of Commissioner or members of the BOC and BOD Committees, for recommendation to the Board of Commissioners in the event of appointment, reappointment and replacement of the Bank’s Commissioners or Directors.

Frequency of the Committee Meeting

In 2009, the Remuneration and Nomination Committee has held a total of 4 (four) meetings, with details of attendance as described below:

Komite Remunerasi dan Nominasi

Komite Remunerasi dan Nominasi bertanggung jawab membuat formulasi kriteria pemilihan dan prosedur nominasi untuk Komisaris dan Direktur.

Komite Remunerasi dan Nominasi terdiri atas: • Roy Athanas Karaoglan, Ketua

• Pramukti Surjaudaja, Anggota • Peter Eko Sutioso, Anggota • David Philbrick Conner, Anggota • Purnomo Santoso Nurhalim, Anggota

Tugas dan Tanggung Jawab

Komite Remunerasi dan Nominasi telah memberikan rekomendasi dan melakukan review kebijakan pengelolaan sumber daya manusia guna direkomendasikan kepada Dewan Komisaris:

• Melakukan review kebijakan pengaturan remunerasi bagi Dewan Komisaris dan Direksi.

• Mempertimbangkan rekomendasi yang memastikan bahwa paket remunerasi terdiri dari proporsi signifikan kriteria penilaian yang terkait dengan kinerja, sasaran dan strategi Bank dan sekaligus berguna untuk menarik, mempertahankan dan memotivasi Komisaris, Direksi dan Pejabat Eksekutif yang berkualitas.

• Memberikan rekomendasi kepada Dewan Komisaris mengenai kebijaksanaan remunerasi bank.

• Melakukan identifikasi dan mereview calon yang masuk nominasi Komisaris atau anggota Komite Dewan Komisaris dan Direksi guna rekomendasi kepada Dewan Komisaris dalam hal pengangkatan, pengangkatan kembali dan penggantian Komisaris dan Direksi.

Frekuensi Rapat Komite

Selama tahun 2009, Komite Remunerasi dan Nominasi menyelenggarakan 4 (empat) kali pertemuan dengan daftar hadir anggota adalah sebagai berikut:

No Nama _Name _PositionJabatan _{Attendance of Meeting}Daftar Hadir Rapat

1. Roy Athanas Karaoglan Komisaris Independen Independent Commissioner 4

2. Pramukti Surjaudaja Presiden Komisaris Chairman 4

3. Peter Eko Sutioso Wakil Presiden Komisaris (Komisaris Independen)

Deputy Chairman (Independent Commissioner)

4

4. David Philbrick Conner Komisaris Commissioner 4

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Risk Monitoring Committee

Structure, Members, Expertise and Independence

The Risk Monitoring Committee of Bank OCBC NISP is headed by an Independent Commissioner, who is assisted by 5 (five) other members, consisting of a Commissioner, an Independent Commissioner, an Independent Party with expertise in finance and an Independent Party with expertise in risk management. The composition of the Risk Monitoring Committee of Bank OCBC NISP is as follows:

Chairman : Peter Eko Sutioso (Independent Commissioner) Members : Pramukti Surjaudaja (Chairman)

David Philbrick Conner (Commissioner) Roy Athanas Karaoglan (Independent

Commissioner)

Mariawati Halim (Independent Party) Alfredo R. Villanueva (Independent Party) Duties and Responsibilities

The Risk Monitoring Committee of Bank OCBC NISP performs its duties based on the Charter of the Risk Monitoring Committee that also stipulates the functions of the Committee. The Risk Monitoring Committee is responsible to the BOC and has duties to perform evaluation and ensuring alignment of risk management policies to the implementation. The Committee also monitors the duties and functions of BOD’s Risk Management Committee and provides recommendations to the BOC, including:

• Formulation of the overall risk management philosophy. • Risk management guidelines and policies.

• Key policies for effective risk management. • Necessary measures for prudent risk management. • Risk identification policies.

• Performance of duties by the Risk Management Committee and Risk Management Division/Working Unit.

Frequency of Committee Meeting

A Committee Meeting is held as deemed necessary by Bank OCBC NISP. Throughout 2009, the Risk Monitoring Committee has held a total of 4 (four) meetings. Attendance at the Risk Monitoring Committee meetings is as described below: Komite Pemantau Risiko

Komite Pemantau Risiko Bank OCBC NISP diketuai oleh Komisaris Independen dan dibantu oleh 5 (lima) anggota yang terdiri atas Komisaris, Komisaris Independen, Pihak Independen yang memiliki keahlian di bidang keuangan dan Pihak Independen yang memiliki keahlian di bidang manajemen risiko.

Susunan Komite Pemantau Risiko Bank OCBC NISP adalah sebagai berikut:

Ketua : Peter Eko Sutioso (Komisaris Independen) Anggota : Pramukti Surjaudaja (Presiden Komisaris)

David Philbrick Conner (Komisaris)

Roy Athanas Karaoglan (Komisaris Independen) Mariawati Halim (Pihak Independen)

Alfredo R. Villanueva (Pihak Independen)

Komite Pemantau risiko Bank OCBC NISP menjalankan tugasnya berdasarkan Piagam Komite Pemantau Risiko yang juga mengatur fungsi Komite ini. Komite Pemantau Risiko bertanggung jawab kepada Dewan Komisaris dan bertugas melakukan evaluasi serta memastikan keselarasan antara Kebijakan manajemen risiko dan penerapannya. Komite ini juga memantau tugas dan fungsi Komite Manajemen Risiko dan memberikan rekomendasi kepada Dewan Komisaris, termasuk:

• Penetapan filosofi manajemen risiko secara keseluruhan. • Panduan dan kebijakan manajemen risiko.

• Kebijakan penting dalam rangka manajemen risiko yang efektif.

• Tindakan yang diperlukan dalam rangka manajemen risiko yang prudent.

• Kebijakan pengungkapan risiko.

• Pelaksanaan tugas Komite Manajemen Risiko dan Satuan Kerja Manajemen Risiko.

Rapat Komite telah diselenggarakan sesuai dengan kebutuhan Bank OCBC NISP. Selama tahun 2009, Komite Pemantau Risiko menyelenggarakan 4 (empat) kali pertemuan. Kehadiran pada rapat Komite Pemantau Risiko adalah sebagai berikut:

1. Peter Eko Sutioso Wakil Presiden Komisaris (Komisaris Independen)

Deputy Chairman (Independent Commissioner)

4

2. Pramukti Surjaudaja Presiden Komisaris Chairman 4

3. David Philbrick Conner Komisaris Commissioner 3

4. Roy Athanas Karaoglan Komisaris Independen Independent Commissioner 3

5. Mariawati Halim Pihak Independen Independent Party 2

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Committees under the Board of Directors

In the execution of its duties, the BOD are supported by Executive Committees, including Risk Management Committee, Brand Committee, Credit Policy Committee, Information Technology Steering Committee, Price Committee and Network Committee.

Risk Management Committee

The fast pace of business development followed by increased complexity of operational transactions will correspondingly drive the level of risks faced as well as expansion of the organization. Consequently, the Risk Management Committee is formed in order to anticipate the impacts resulting from business expansion as well as changes in the external conditions.

The composition of the Risk Management Committee at the end of 2009 is as follows:

Chairman : President Director Members : - The Board of Directors

- Commercial Credit Risk Division Head - Operation Risk Division Head - Market Risk Division Head - Consumer Credit Risk Division Head - Expert Resources

Duties and Responsibilities

The Risk Management Committee is authorized and responsible for, among others:

- Formulating Risk Management Policies and corresponding revisions, including risk management strategies and contingency planning in order to anticipate every change that takes place as a result of business expansion as well as changes in the external conditions.

- To improve or enhance implementation of Risk Management, both on a regular and case-by-case basis, that arises from changes in the external and internal conditions of the Bank and affects the Bank’s capital adequacy and risk profile and results of evaluation on the effectiveness of such implementation.

- To provide justification on issues related to business decisions that are irregularities or taking position/risk exposure which exceeds the established limits.

- Meeting of the Risk Management Committee is held at least once in every 2 (two) months.

Komite-komite yang Bertanggung Jawab kepada Direksi

Dalam menjalankan tugasnya, Direksi dibantu oleh Komite Eksekutif, antara lain Komite Manajemen Risiko, Komite Brand, Komite Kebijakan Perkreditan, Komite Pengarah Teknologi Informasi, Komite Harga dan Komite Network.

Komite Manajemen Risiko

Pesatnya perkembangan usaha yang diikuti oleh meningkatnya kompleksitas transaksi operasional akan berdampak pula pada tingkat risiko beragam serta membesarnya organisasi perusahaan, sehingga untuk mengantisipasi setiap perubahan sebagai akibat dari perkembangan usaha maupun adanya perubahan kondisi eksternal dibentuklah Komite Manajemen Risiko.

Susunan Komite Manajemen Risiko pada akhir tahun 2009 adalah sebagai berikut:

Ketua : Presiden Direktur Anggota : - Direksi

- Commercial Credit Risk Division Head - Operation Risk Division Head - Market Risk Division Head - Consumer Credit Risk Division Head - Narasumber terkait

Wewenang & tanggung jawab Komite Manajemen Risiko meliputi:

- Menyusun Kebijakan Manajemen Risiko serta perubahannya, termasuk strategi manajemen risiko dan perencanaan keadaan darurat untuk mengantisipasi setiap perubahan sebagai akibat dari perkembangan usaha maupun adanya perubahan kondisi eksternal. - Memperbaiki atau menyempurnakan penerapan

Manajemen Risiko yang dilakukan, baik secara berkala maupun bersifat insidentil sebagai akibat dari suatu perubahan kondisi eksternal dan internal Bank yang mempengaruhi kecukupan permodalan dan profil risiko Bank dan hasil evaluasi terhadap efektivitas penerapan tersebut.

- Memberikan penetapan (justification) atas hal-hal yang terkait dengan keputusan-keputusan bisnis yang menyimpang dari prosedur normal (irregularities), atau pengambilan posisi/eksposur risiko yang melampaui limit yang telah ditetapkan.

- Rapat Komite Manajemen Risiko dilaksanakan minimal 1 (satu) kali setiap 2 (dua) bulan.

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In 2009, the Risk Management Committee has held a total of 5 meetings with details of attendance as follows:

* The appointment was effective on April 15, 2009 ** The resignation was effective on September 7, 2009

Meeting resolutions/recommendations of the Risk Management Committee are as follows:

- Determining strategic risk direction. - Deciding major policies.

- Completing process for updating and monitoring major risk issues.

Brand Committee

In order to establish and protect/sustain the Company brand that would optimally support all efforts for business expansion, Bank OCBC NISP established the Brand Committee.

The composition of the Brand Committee at the end of 2009 is as follows:

Chairman : President Director Members : Deputy President Director

Corporate Communication Director Related Business Director

Corporate Communication Division Head Expert Resources

Selama tahun 2009, Komite Manajemen Risiko telah menyelenggarakan 5 pertemuan dengan daftar hadir anggota sebagai berikut:

• Efektif menjabat terhitung tanggal 15 April 2009 ** Efektif mengundurkan diri pada tanggal 7 September 2009

Hasil rapat/rekomendasi Komite Manajemen Risiko adalah sebagai berikut:

- Menentukan arahan risiko yang strategis. - Menetapkan berbagai kebijakan penting.

- Melaksanakan pengkinian dan monitoring terhadap permasalahan risiko yang signifikan.

Komite Brand

Untuk pembentukan dan pemeliharaan sedemikian rupa

Company brand sehingga dapat mendukung upaya-upaya

pengembangan perusahaan secara optimal, maka dibentuklah Komite Brand di Bank OCBC NISP.

Susunan Komite Brand pada akhir tahun 2009 adalah sebagai berikut:

Ketua : Presiden Direktur Anggota : Wakil Presiden Direktur

Direktur Corporate Communication Direktur bidang terkait

Corporate Communication Division Head Narasumber terkait

1. Parwati Surjaudaja Presiden Direktur President Director & CEO 5

2. Na Wu Beng Wakil Presiden Direktur Deputy President Director 5

3. Hardi Juganda Direktur Director 5

4. Rudy N. Hamdani Direktur Director 5

5. Louis (Luianto) Sudarmana Direktur Director 5

6. Yogadharma Ratnapalasari Direktur Director 5

7. Rama P. Kusumaputra Direktur Director 5

8. Alan Jenviphakul* Direktur Director 4

9. Joseph Chan Internal Audit Division Head 4

10. Andre S. Sudjono Commercial Credit Risk Division Head 5

11. Sandra Sahelangi Consumer Credit Risk Division Head 5

12. Linda Adam Asset Recovery Management Division Head 4

13. Budi Gunawan Asset Liability Risk Management Division Head 4

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The duties of the Brand Committee of Bank OCBC NISP is as follows:

- To ensure the protection and improvement of the brand value.

- To determine the strategies for the Bank OCBC NISP brand. - To monitor that the expected brand awareness level is

achieved.

- To determine policies and monitor that a favorable Company brand is achieved in all activities carried out by the Bank or involving the Bank.

- To determine the Bank’s CSR policies and its strategic programs.

- To determine the allocation of promotional expenses and to review the effectiveness of the promotional programs. Frequency of Committee Meeting

Meeting of the Brand Committee is held at least once in every 2 months. In 2009, there was held a total of 9 meetings, with details of attendance as follows:

Meeting resolutions/recommendations of the Brand Committee are as follows:

• Determining the strategies for Bank OCBC NISP’s brand • Overseeing achievement of the expected level of brand

awareness.

• Determining policies and overseeing favorable promotion of the corporate brand in all activities undertaken or involving the Bank.

• Determining policies on Corporate Identity. Credit Policy Committee

The role of the Credit Policy Committee (CPC) is to provide advice to the Board of Directors on the Bank’s Credit Policy and to ensure its consistent implementation. Further, the Committee is also tasked to monitor and evaluate the loan portfolio quality, as well as assess the adequacy of authority on credit approval, quality of credit provided, compliance to rules and regulations, in particular lending provisions.

Tugas Komite Brand Bank OCBC NISP adalah sebagai berikut: - Memastikan terjaganya dan ditingkatkannya brand value. - Menentukan strategi brand Bank OCBC NISP.

- Mengawasi tercapainya brand awareness yang diharapkan.

- Menentukan kebijakan dan mengawasi tercapainya

Company brand yang baik dalam semua kegiatan yang

dilaksanakan Bank atau melibatkan Bank.

- Menentukan kebijakan CSR hingga program strategisnya. - Menentukan alokasi biaya promosi dan review efektivitas

program promosi.

Rapat Komite Brand dilaksanakan minimal 1 kali setiap 2 bulan. Selama tahun 2009 menyelenggarakan rapat 9 kali, dengan daftar hadir anggota sebagai berikut:

Hasil rapat/rekomendasi Komite Brand adalah sebagai berikut: • Menentukan strategi brand Bank OCBC NISP.

• Mengawasi tercapainya brand awareness yg diharapkan. • Menentukan kebijakan dan mengawasi tercapainya

Company brand yang baik dalam semua kegiatan yang

dilaksanakan bank atau melibatkan Bank. • Menentukan kebijakan Corporate Identity.

Komite Kebijakan Perkreditan

Fungsi Komite Kebijakan Perkreditan (KKP) antara lain bertugas memberikan masukan kepada Direksi untuk penyusunan Kebijakan Perkreditan Bank (KPB) dan memastikan pelaksanaannya secara konsekuen dan konsisten. Disamping itu KKP juga bertugas melakukan pemantauan dan evaluasi terhadap kualitas portofolio perkreditan, kebenaran kewenangan memutus kredit, kualitas pemberian kredit, ketaatan terhadap ketentuan dan perundangan khususnya di bidang perkreditan dan lain-lain.

No Nama _Name Jabatan_Position _{Attendance of Meeting}Daftar Hadir Rapat

1. Parwati Surjaudaja Presiden Direktur President Director 9

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The composition of the Credit Policy Committee at the end of 2009 is as listed below:

Chairman : President Director Members : Corporate Banking Director

Commercial Banking Director Consumer Banking Director Operation and IT Director

Commercial Credit Risk Division Head Consumer Credit Risk Division Head Internal Audit Division Head Credit Operation Division Head Expert Resources

The scope of duties of the Committee are as follows:

- To provide advice to the Board of Directors on the Bank’s Credit Policy, particularly with respect to formulating prudent lending practices as provided by Bank Indonesia. - To oversee that the Bank’s Credit Policy can be applied and

implemented consistently within Bank OCBC NISP. - To seek solutions in the case of difficulties or constraints in

implementing the Bank’s Credit Policy.

- To perform regular reviews of the Bank’s Credit Policy as well as to provide advice or inputs to the Board of Directors on its amendment/enhancement, as required or at least once in a year.

- Monitoring and evaluating:

a. The overall development and quality of the loan portfolio;

b. Consistency of the implementation of authority for credit approval;

c. Appropriateness of the process for giving credit, development and quality of credit given to related parties and large exposure;

d. Consistency of Legal Lending Limit implementation; e. Compliance of the Bank’s lending process to prevailing

rules and regulations;

f. Settlement/Restructuring of non-performing loans in accordance to the guidelines provided by Bank Indonesia;

g. Measures taken by the Bank in fulfilling the prescribed amount of provision for loan losses based on applicable regulations.

Meeting of the Committee is held at least once in every 2 (two) months. In 2009, there was held a total of 4 meetings, with details of attendance as follows:

Susunan Komite Kebijakan Perkreditan pada akhir tahun 2009 adalah sebagai berikut:

Ketua : Presiden Direktur

Anggota : Direktur Corporate Banking Direktur Commercial Banking Direktur Consumer Banking Direktur Operation dan IT

Commercial Credit Risk Division Head Consumer Credit Risk Division Head Internal Audit Division Head Credit Operation Division Head Narasumber terkait

Lingkup Tugas KKP adalah sebagai berikut:

- Memberikan masukan kepada Direksi dalam rangka penyusunan Kebijakan Perkreditan Bank (KPB) terutama yang berkaitan dengan perumusan prinsip kehati-hatian dalam perkreditan sebagaimana yang ditetapkan Bank Indonesia.

- Mengawasi agar KPB dapat diterapkan dan dilaksanakan secara konsekuen dan konsisten di lingkungan Bank OCBC NISP.

- Merumuskan pemecahan dan solusi apabila terdapat hambatan atau kendala dalam penerapan KPB.

- Melakukan kajian berkala terhadap KPB dan memberikan saran atau masukan kepada Direksi apabila diperlukan perubahan/perbaikan KPB, minimal satu kali dalam setahun.

- Memantau dan mengevaluasi:

a. Perkembangan dan kualitas portofolio perkreditan secara keseluruhan;

b. Kebenaran pelaksanaan kewenangan memutuskan kredit;

c. Kebenaran proses pemberian, perkembangan dan kualitas kredit yang diberikan kepada pihak yang terkait dengan bank dan debitur-debitur besar tertentu;

d. Kebenaran pelaksanaan ketentuan BMPK;

e. Ketaatan terhadap ketentuan perundang-undangan dan peraturan lainnya yang berlaku dalam pelaksanaan pemberian kredit;

f. Penyelesaian/restrukturisasi kredit bermasalah sesuai dengan yang ditetapkan Bank Indonesia;

g. Upaya Bank dalam memenuhi kecukupan jumlah penyisihan penghapusan kredit sesuai dengan ketentuan yang berlaku.

Rapat KKP dilaksanakan minimal 1 (satu) kali setiap 2 (dua) bulan. Selama tahun 2009 menyelenggarakan rapat 4 kali, dengan daftar hadir anggota adalah sebagai berikut:

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* The appointment was effective on April 15, 2009 ** The resignation was effective on November 6, 2009

Meeting resolutions/recommendations of the Credit Policy Committee:

Decide on strategic credit policies and strategies plus monitoring.

Information Technology Steering Committee

The Information Technology Steering Committee is authorized to determine and monitor the Bank’s IT strategic plan, including monitoring the direction of IT development in line with the Bank’s IT strategic plan and Business Plan.

The composition of the Information Technology Steering Committee at the end of 2009 is as follows:

Chairwoman : Parwati Surjaudaja Members : Na Wu Beng

Yogadharma Ratnapalasari Filipus H. Suwarno Related Business Directors Expert Resources Duties and Responsibilities

The Technology Streering Committee is authorized to determine and monitor:

- Information Technology Strategic Plan.

- Information Technology projects which are in line with the Bank’s Information Technology Strategic Plan and Business Plan.

• Efektif menjabat terhitung tanggal 15 April 2009 •• Efektif mengundurkan diri pada tanggal 6 November 2009

Hasil rapat/rekomendasi Komite Kebijakan Perkreditan:

Menetapkan kebijakan perkreditan yang strategis serta strategi dan pemantauannya.

Komite Pengarah Teknologi Informasi (TI)

Komite Pengarah Teknologi Informasi berwenang memutuskan dan memantau rencana strategis TI termasuk memantau arah perkembangan TI sesuai dengan rencana strategis TI dan Rencana Bisnis Bank.

Susunan Komite Pengarah Teknologi Informasi pada akhir 2009 adalah sebagai berikut:

Ketua : Parwati Surjaudaja Anggota : Na Wu Beng

Yogadharma Ratnapalasari Filipus H. Suwarno Direktur Bidang terkait Narasumber terkait

Komite Pengarah Teknologi berwenang memutuskan dan memantau:

- Rencana strategis Teknologi Informasi (Information

Technology Strategic Plan).

- Proyek-proyek Teknologi Informasi yang sejalan dengan Rencana Strategis Teknologi Informasi dan Rencana Bisnis Bank.

No Nama _Name Jabatan_Position _{Attendance of Meeting}Daftar Hadir Rapat

1. Parwati Surjaudaja Presiden Direktur President Director 4

3. Hardi Juganda Direktur Director 4

4. Rudy N. Hamdani Direktur Director 4

5. Louis (Luianto) Sudarmana Direktur Director 3

6. Yogadharma Ratnapalasari Direktur Director 4

8. Alan Jenviphakul* Direktur Director 1

9. Andre S. Sudjono Commercial Credit Risk Division Head 4

10. Sandra Sahelangi Consumer Credit Risk Division Head 3

11. Linda Adam Asset Recovery Management Division Head 3

12. Joseph Chan Internal Audit Division Head 1

13. Budijanto Surjadi Credit Operation Division Head 4

14. Andrae Krishnawan Senior Corporate Executive 4

15. Setiawati Samahita** Senior Corporate Executive 2

16. Jap Chin Ping Corporate Banking Relationship Division 2

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- Consistency between the implementation of Information Technology projects to the project charter.

- Effectiveness of measures to limit risk of the Bank’s investment in Information Technology such that the said investment provides contribution towards attaining the Bank’s business objectives.

- Performance of Information Technology and measures for improvement.

- Efforts to follow up on issues related to Information Technology, which may not be resolved by the working unit of the user effectively, efficiently and timely.

- Performing duties and having authority on areas as provided by Bank Indonesia Regulations and based upon the Bank’s requirements related to Information Technology.

Frequency of the Committee Meetings

In 2009, the Information Technology Steering Committee has held a total of 7 meetings, with details of attendance as follows:

Meeting resolutions/recommendations of the Information Technology Steering Committee ensure that:

- IT investment undertaken has provided optimal results. - IT projects that have been approved are consistent with

the IT Strategic Plan.

- Information Technology development is in line with MIS requirements.

Network Committee

The Network Committee formulates policies that would achieve an optimal network, including determining authority and organizational structure at the regional level, giving approval on sites for new branches and ATM; and evaluating the existing network to determine necessary measures in order to ensure that the existing branch and ATM network is optimal. The composition of the Network Committee of Bank OCBC NISP is as follows:

Chairwoman : Parwati Surjaudaja Members : Hardi Juganda

Yogadharma Ratnapalasari Rama P. Kusumaputra Rudy N. Hamdani

- Kesesuaian antara pelaksanaan proyek-proyek Teknologi Informasi dengan rencana proyek yang disepakati (project

charter).

- Efektivitas langkah-langkah meminimalkan risiko atas investasi Bank pada sektor Teknologi Informasi agar investasi tersebut memberikan kontribusi terhadap tercapainya tujuan bisnis Bank.

- Kinerja Teknologi Informasi dan upaya peningkatannya. - Upaya penyelesaian berbagai masalah terkait Teknologi

Informasi, yang tidak dapat diselesaikan oleh satuan kerja pengguna dan penyelenggara, secara efektif, efisien dan tepat waktu.

- Menjalankan tugas-tugas dan memiliki kewenangan lainnya sesuai dengan Peraturan Bank Indonesia dan kebutuhan Bank yang terkait dengan Teknologi Informasi.

Selama tahun 2009, Komite Pengarah Teknologi telah mengadakan rapat 7 kali, dengan daftar hadir anggota sebagai berikut:

Hasil rapat/rekomendasi Komite Pengarah Teknologi Informasi memastikan:

- Investasi proyek IT yang akan dijalankan memberikan hasil optimal.

- Proyek Teknologi Informasi yang disetujui sesuai dengan Rencana Strategis Teknologi Informasi.

- Teknologi Informasi yang dikembangkan sesuai dengan kebutuhan MIS.

Komite Network

Komite Network menyusun kebijakan agar tercapai tujuan optimalisasi jaringan, termasuk di dalamnya menentukan kewenangan dan struktur organisasi di regional, memberi persetujuan atas lokasi untuk kantor dan ATM baru, dan mengevaluasi jaringan yang telah ada untuk menentukan langkah-langkah yang diperlukan untuk memastikan optimalnya jaringan kantor dan ATM yang ada.

Susunan anggota Komite Network Bank OCBC NISP adalah sebagai berikut:

Ketua : Parwati Surjaudaja Anggota : Hardi Juganda

Yogadharma Ratnapalasari Rama P. Kusumaputra Rudy N. Hamdani

1 Parwati Surjaudaja Presiden Direktur President Director 7

2 Na Wu Beng Wakil Presiden Direktur Deputy President Director 6

3 Yogadharma Ratnapalasari Direktur Director 7