As the controlling shareholder of Bank Niaga (through CIMB Group) and LippoBank, since 2007 Khazanah had been considering merger as a measure to be taken in order to comply with the Single Presence Policy (SPP) policy stipulated by Bank Indonesia. This is the first merger in Indonesia related to SPP policy. In 2008, Bank Niaga changed its name to Bank CIMB Niaga.
This merger was a monumental step in the banking sector in Southeast Asia and provides CIMB Niaga the advantage of connectivity into the ASEAN regional network through CIMB Group. As of the end of 2017, CIMB Niaga is the fifth largest bank in Indonesia with total assets of Rp266 trillion with market capitalization of Rp34 trillion. This achievement has successfully placed CIMB Niaga within the category of BUKU 4 with minimum core capital of Rp30 trillion.
CIMB Niaga provides a wide range of comprehensive and innovative products and services ranging from consumer banking; Micro, Small and Medium (MSME) banking; commercial banking; and corporate banking, supported by Treasury and Transaction Banking capabilities and a powerful network of branchless banking. CIMB Niaga offers commercial and sharia products and services through the CIMB Niaga Sharia Business Unit.
One of the advantages of CIMB Niaga is its Transaction Banking capability, which offers a variety of products and services as well as comprehensive solutions for companies to manage their domestic and cross border financial operations and transactions. Those solutions include Cash Management, Remittance, Trade Finance and Value Chain. With internet banking features such as BizChannel@CIMB for the corporate market, corporate customers are provided with convenient access to process a wide variety of payment transactions and also purchase foreign currency online, without having to go to a CIMB Niaga branch office. These capabilities led CIMB Niaga to win several prestigious awards in the field of transaction banking and FX, as the best cash management bank, best trade finance bank and the Leading FX Provider in Indonesia.
CIMB Niaga’s Cash Management is capable of delivering innovative products and services that meet the needs of its customers with the support of strong IT infrastructure to maintain excellent security, stability and service levels for our customers. CIMB Niaga Trade Finance is supported by trade desks throughout Indonesia in order to reach all of our customers. With the support of CIMB Group, trade finance services are also capable of providing competitive services and gaining its very strong position in ASEAN.
In the remittance business, CIMB Niaga services can be accessed through 542 branch offices and also through branchless banking. Through collaboration with many local and foreign financial institutions, CIMB Niaga’s cross-border remittance service provides more than 130 foreign currencies with same-day service capability for several major currencies, and is also supported by competitive rates and dedicated client service.
Throughout 2017, CIMB Niaga continues to develop branchless banking by optimizing the utilization of cutting-edge technology with emphasis on the customer experience as a differentiator, this is done to realize the vision of making CIMB Niaga a leader in digital banking services. Thus, CIMB Niaga bank has become one of the most complete banks in providing digital banking services for customers in the national banking industry
Branchless banking services currently available include Phone Banking service 14041, Preferred Phone Banking 1 500 800, Go Mobile banking, CIMB Clicks internet banking, Digital Lounge and Mobile Account (Rekening Ponsel). Mobile Account is an innovative service that allows customers to transfer to a mobile number without having a bank account. CIMB Niaga is the first bank in Indonesia to have such a product and service.
In addition, CIMB Niaga customers can also access various national and regional ATMs through the Prima network, ATM Bersama, Cirrus, VISA, and MEPS networks. These are aimed at providing customers with flexibility and convenience to make transactions through ATMs both in Indonesia and in ASEAN.
As a leading bank in the adoption of information technology, CIMB Niaga launched the Wave n Go Credit Card. This is the first credit card in Indonesia with a unique credit card design equipped with contactless payment technology. With CIMB Niaga Wave n Go, card holders only need to “wave” their cards near to the contactless EDC (Electronic Data Capture) machines for easy and practical transactions.
In 2017, CIMB Niaga also launched The New Go Mobile, its mobile banking offering that provides a convenient way for customers to conduct transactions via their smart phones, anytime and anywhere. The expanded features of The New Go Mobile are designed to meet the needs of today’s banking customers who increasingly prefer the digital way of banking, as well as suited to CIMB Niaga’s aspiration to become the leading digital banking institution in Indonesia.
CIMB Niaga is committed to provide positive end-to- end customer experience at all times and in all service platform, including the Go Mobile. With the “Forward”
brand promise, CIMB Niaga is on hand to support its customers in all aspects and stages of life to move forward to reach their goals and dreams. No more no, just Go Mobile. With one Go Mobile apps, enabling fast and secure transactions, anywhere, at anytime, cashless and cardless.
Supported by 542 branch offices, 4,500 ATMs, 174 Multi-Function Devices/MFD, 683 Cash Deposit &
Recycle Machines, and 12,782 employees all over Indonesia, CIMB Niaga is confident to be continually growing as the best and leading provider of banking services for the community.
Established as PT Bank Niaga
1955
Merged with:
• Bank Agung in1973
• Bank Tabungan Bandung in 1978
• Bank Amerta in 1983
1973-1983
First bank to launch ATMs
1987
Initial Public Offering (IPO) at Surabaya Stock Exchange
1989
CIMB Group took over 50.99% shares of PT Bank Niaga Tbk from BPPN
2002
Rights Issue Rp1.3 trillion
2005
1. Became the 5th largest bank in Indonesia
2. Distribution of Rp305 billion of final dividends, or Rp12.75 per share
3. Completed the integration of systems and operations after merger
2009
2008
1. Official name was changed to PT Bank CIMB Niaga Tbk
2. Effective merger
between CIMB Niaga and LippoBank
2010
Launched BizChannel and CIMB Clicks internet banking platforms
2004
Launch of Sharia Banking
1991
The first Bank to provide Online Banking
Milestones
1. Launched new mobile banking platform - Go Mobile
2. Relaunch of Phone Banking service 14041 and Preferred Phone Banking 1 500 800 with various exclusive features
2012
Launch of the first online TD opening in Indonesia through CIMB Clicks
2014
1. Implementation of “Core Banking System” using one platform (1P”) scheme 2. Launch of Visa Credit Card
Pay Wave Card and sticker (contactless)
2016
2013
1. Launch of Digital Lounge 2. Launch of Rekening Ponsel 3. Launch of Poin Xtra
4. Launched Net Banking - online account opening
2015
Launch of MMQ Home Financing – Sharia Home Financing with floating rate
2017
1. Bank status promoted to BUKU 4 Bank by OJK, the highest classification for banks
2. Established 2 call center in Yogyakarta
Organization Structure
Head of Retail Product Budiman Tanjung
Head of Segment, Decision Management
& Customer Experience Noviady Wahyudi
Head of Sales &
Distribution for Jakarta Region Robby Mondong
Head of Sales &
Distribution for Out Region Tony Tardjo
Head of Non Branch Channel Lukito Adisubrata
Head of Digital Banking, Branchless &
Partnership Bambang Karsono Adi
Head of Consumer Credit Risk Djojo Boentoro
Head of Marketing, Brand &
Communications Slamet Sudijono Head of Consumer Collection & Recovery
Banyon Anantoseno Consumer Banking
Director Lani Darmawan
Business Banking Director Rahardja Alimhamzah
Head of Commercial Banking Michael G. Jusanti
Head of Micro Finance Welli Irawan
Business Banking Risk Control Unit Head
Ratri Setyorini Head of Commercial
Banking I Wagimin
Head of Commercial Banking II Faisal A. Tambayong
Head of Commercial Banking II C. Ninik Martini
Head of Commercial Banking Office Michael G. Jusanti*
Head of Commercial Banking Business Credit
Hartanto Kurniawan
Chief of Micro, Small &
Medium Enterprise Sukarman Omar
Head of Corporate Banking I Miranty Supardi
Head of Corporate Banking II Widodo Suryadi
Head of Corporate Banking III Riboet Budiono
Head of Structure Finance & Syndication
Chialmi D. Rosalim
Head of Corporate Banking Business Credit
Jeffrey Bob Karman
Head of Corporate Banking Office
Vacant Chief of Corporate
Banking Rusly Johannes
Head of Small Medium Enterprise I
Dajani
Head of Small Medium Enterprise II
Edianto*
Head of Small Medium Enterprise III
Edianto
Head of Micro Linkage Arief Danardono*
Head of MSME Business Credit
Sari Kartika*
Head of MSME Business
& Product Development Sari Kartika
MSME Portfolio Management &
Analytical Head Ratna Dyah Ismoyowati
Deputy Chief of Transaction Banking Andrew Suhandinata Head of Government
Relation & Staff Khusus Rudy HutagalungCEO President Director
Tigor M. Siahaan
Sharia Banking Director Pandji P. Djajanegara
Head of Sharia Business Banking Rusdi Dahardin
Head of Sharia Consumer &
Business Management Diah Rachma P.
Advisory &
Legal Head Syamsul Aidi B.
Business Analytical Head Ananto Prasetio
Risk Control Unit Head Raymond Y. Das Treasury & Capital
Market Director John Simon
Head of Trading &
Structuring Ferdinand R. W.
Head of Global Sales &
Marketing Sjarif Hartady Gunawan
Head of Money Market & Funding
Aulia Mochtar
Head of Treasury Risk Analytics & RCU Daniel E. Hutapea
Chief Economist Adrian Pangabean
Treasury Islamic Head Agus Setiono
Head of HR Business Partner, Rewards & HR
Services Joni Raini
Head of Learning &
Development Henry Budiarto
Head of Talent Acquisition, OD, &
Employee Relations Ang Lennywaty Head of Legal/General
Counsel Surya Kirana Sulistiyo
Head of Compliance Management Liston Siahaan
Head of Anti Money Laundering Entin Rostini
Head of Corporate Secretary
Fransiska Oei*
Good Corporate Governance (GCG) Head
Vacant Credit Director
Megawati Sutanto
Head of Wholesale Banking Credit Tjahjadi Yapeter
Head of Commercial &
MSME Banking Credit Henry Sawali
Head of Non Retail Credam Compliance, Checking & Appraisal
Retno Hestiati
Head of Loan Workout for Corporate Banking Suherman Onihana
Head of Loan Workout for ComBa & MSME
Lena
Asset Disposal & Project Management Head
Paskalina Singara
Risk Control Unit Head Hadi Soedarso
Head of Finance Wenny Ekawulan
Handojo
Head of Operational Accounting Ria Yohanita
Head of Strategy &
Investor Relations Mulyawan Gani
Head of Strategic Procurement & Admin Property Management
Victor Indarto
Asset Liability Management Head
Roy Bahren S.
Project Development &
Integration Management Head Waskin
Risk Control Unit Head Nicko Viranicko
Head of Anti Fraud Management Antonius Sukriswanto Sharia
Supervisory Board
Head of Corporate Client Solutions Agus Wicaksono
Head of Business Banking Office
Vacant
Head of Trade & Cash Sales Vonny Irawan
Head of FI & NBFI Vonny Irawan*
Head of Value Chain &
Trade Product Tjhiu Fen Head of Commercial &
Wholesale Funding Hanny Librata
Head of Securities Services Furiyanto
Head of Cash Management Amir Mirza
Risk Control Unit Head Gusti Faryansyah
Senior Legal Advisor Norida Noviyanti
Business Strategy &
Chief of Transaction Banking Gregory Hendra Lembong Risk Oversight
Committee
Audit Committee Nomination &
Remuneration Committee Integrated Corporate
Governance Committee Board of
Commissioners
Chief Audit Executive Antonius Gunadi Chief of Corporate
Strategic Initiatives Budiman Poedjirahardjo
Head of Wholesale Banking Operations &
Shared Services Center Josephine Mercy Ari P.
Head of Consumer Banking Operations Albert Suhandinata
Head of Business Continuity & Change Management Support Bayu Prasetyanto
Head of OIT Risk Control Unit & Strategic Risk
Analytics Santi Gloria P.
Head of Information Technology Yenny Siswanto
OIT Office, Cost Management &
Analytics Head Magdalena Operations & IT
Director Rita Mas’oen
Head of Operational Risk Management Julius Wiantara, Tjhioe
Head of Risk Analytics &
Infrastructure Yulius Setiawan
Head of Basel PMO Ariffin Bin Morad
Head of Credit Assurance Testing
Yulius Setiawan*
Market Risk Management Head
Diva Mahdi
ALM Risk Head Sandi Maruto
Retail Credit Risk Management Head Koei Hwei Lien Risk Management
Director Vera Handajani
Note :
* Interim Directorate Chief Sub Directorate Group Strategy & Finance
Director Wan Razly Abdullah Human Resources
Director Hedy Lapian Compliance, Corporate
Affairs & Legal Director Fransiska Oei