The company also has shareholdings in two subsidiaries involved in the financing of motor vehicles, namely PT CIMB Niaga Auto Finance (CNAF) and PT Kencana Internusa Artha Finance (KITAF). These are the core values of CIMB Niaga and are a prerequisite for a very promising future.
Vision Mission [G4-56]
To provide universal banking services in Indonesia as a high-performing,
MisionVision
Corporate Culture [G4-56]
3 Key Behaviors
Key Values [G4-56]
Key Values
C Customer-centric,
H High Performance,
E Enabling People,
S Strength in Diversity,
I Integrity,
Group Structure
PT CIMB Niaga Auto Finance
Vision
Mission
Profile
Composition of Management
Board of Commissioners
Board of Directors
CIMB Niaga Auto Finance Profile (Subsidiary)
Subsidiaries and Joint Ventures
The CIMB Group is one of the leading universal banking institutions in ASEAN and one of the world's leading players in Sharia banking. CIMB Group Holdings Berhad has been listed on the Main Market of Bursa Malaysia since 1987 and was one of the largest companies at the end of 2016 with a market capitalization of RM40.0 billion.
CIMB Group Profile (Holding)
Currently, CIMB Group is the fifth largest banking group by assets in ASEAN and at the end of 2016, has approximately 39,000 employees and approximately 12 million customers. Major shareholders at the end of 2016 were Khazanah Nasional with 29.34%, Employees Provident Fund (EPF) with 16.12% and Mitsubishi UFJ Financial Group with 7.07% (including 4.65% stake through Bank of Tokyo – Mitsubishi UF).
Awards and Certifications
Die Asset Asian Awards Asset Asian Awards 2016 Beste E-Solutions Partner Bank Indonesia Die Asset Asian Awards.
About This Report
This Sustainability Report is presented to the stakeholders of CIMB Niaga as an implementation
This report includes only the sustainable performance of CIMB Niaga (the bank), excluding subsidiaries, except for consolidated financial performance. This sustainability report contains 8 important aspects in 11 topics, while in the previous report there were 14 aspects due to concerns about relevance and relevance to the sustainability of CIMB Niaga.
CIMB Niaga is not only growing well as a business
Joint Messages from the President Director and President Commissioner
CIMB Niaga is steadily growing as a business entity and also contributes to the success of the Government's Inclusive Development programme. In 2016, CIMB Niaga was appointed by the Government as one of the banks to accept redemption money payments.
Sustainable Governance
The implementation of Good Corporate Governance is the Company’s commitment in providing added values
The board of commissioners has a collegial duty and responsibility to oversee policies, the management of the company and provide advice to the board in accordance with applicable regulations. The board has a collegial and collective duty and responsibility with duties and responsibilities and powers in each corresponding area.
THE COMMITTEE’S STRUCTURE *)
EMC: Risk Management Committee CPC: Credit Policy Committee ORC: Operational Risk Committee CMC: Capital Management Committee ICGC: Integrated Corporate.
Director
Board of Commissioners
CPCITSC
ALCO
ICGC Exco
CIMB Niaga periodically evaluates the implementation of Corporate Governance to evaluate the level of implementation of the governance criteria and identify opportunities for improvement. A more detailed description of the implementation of CIMB Niaga's CGC can be read in the CIMB Niaga Annual Report 2016 in the Corporate Governance Report.
The Bank has had and implemented AML and CFT
In 2016, CIMB Niaga doubled anti-fraud training for employees to improve their understanding and skills on fraud prevention. The number of fraud incidents that were proven when the other party's contract was terminated or not renewed.
Whistleblowing System [G4-58]
To inform the plans and achievements of the Company in accordance with the rules and regulations in force. Preliminary principles in the operation and banking services of conventional banking as well as CIMB Niaga Syariah. CIMB Niaga actively participates in various associations related to the Financial Services Industry in Indonesia and views participation in such associations as a strategic initiative to support the Company's activities.
Economic Sustainability
CIMB Niaga offers a wide range of financial services in the form of loans and financing.
CIMB Niaga provides a wide range of financial services in the form of loans disbursement and financing
CIMB Niaga offers various financial services in the form of lending and financing, as well as other banking services for the various needs of the Indonesian people. Existing financial services are continuously developed to become CIMB Niaga's core services. CIMB Niaga has developed digital banking services by optimizing the use of the most advanced technology.
Kita Satu”
In the future, this service will be implemented by cross-selling method with Tabungan Pensiunan CIMB Niaga product, where customers will benefit from added value from credit facilities. The company has used the new core banking system through scheme 1 "We are One", which became the foundation of CIMB Niaga's technological transformation to improve accessible banking services for customers and communities anywhere and anytime. Furthermore, this initiative also encourages CIMB Niaga's efforts to improve efficiency in order to win the increasingly tight competition of the banking industry.
1Platform
Rekening Ponsel is an innovative product from CIMB Niaga designed to serve all walks of life from virtually anywhere, not just through conventional banking services. CIMB Niaga has entered into a partnership with more than 35 thousand outlets of Indomaret and Alfamart acting as a Digital Financial Services agent, so that customers can make transactions such as shopping, deposit, withdraw money at all their outlets in Indonesia. While providing services to GO-JEK drivers, the company has provided financial literacy as most of the drivers were not used to accessing banking services.
CIMB Niaga Cares
The Company wants to encourage community empowerment to improve social and economic
CIMB Niaga is aware that the implementation of initiatives to develop the social and civic aspects carried out through the Corporate Social Responsibility (CSR) initiative is important to support the sustainable growth of the company. In this regard, the company contributes through the development of a harmonious relationship, mutually beneficial and sustainable, as well as support for the preservation of the environment. We are convinced that a developed and prosperous society will have a positive influence on the company's growth.
CIMB Niaga
Ayo Menabung
Tour De Bank 5
CIMB Niaga Peduli
Philanthropy
EDUCATION
- Beasiswa Unggulan CIMB Niaga (SI Local)
- CIMB Niaga Scholarship (SI Overseas)
- Khazanah Asia Scholarship (S2 Overseas)
- CIMB Niaga Creative Industry Technology Scholarship (BUTIK) (S1 Local)
- CIMB Niaga-Sampoerna Academy Scholarship
- CIMB Niaga-Koperasi Kasih Indonesia (KKI) Scholarship
- CIMB Niaga-Institute of Koperasi Indonesia (IKOPIN) Scholarship
- CIMB Niaga-Beasiswa Unggulan Guru
This program is a collaboration of CIMB Niaga with the Ministry of Education and Culture of the Republic of Indonesia since 2012. CIMB Niaga-University of Indonesia Faculty of Economics Employee Scholarship High-performing CIMB Niaga employees with the desire to continue their education theirs in The scholarship is a collaboration between CIMB Niaga and the Ministry of Education and Culture of the Republic of Indonesia (Kemendikbud RI).
COMMUNITY DEVELOPMENT AND EMPOWERMENT
Throughout 2016, 297 students from various schools in East Jakarta, North Jakarta, Tangerang and Bogor attended the CIMB Niaga Car Learning program. Throughout 2016, CIMB Niaga carried out monitoring on the Community Link programme, namely a visit to the Usaha Mulia Foundation in Palangkaraya on 28 July 2016, with the Community Empowerment Program in the form of training in tailoring. Through this activity, CIMB Niaga employees are involved in various CSR activities in the environmental and social community fields as volunteers.
PHILANTHROPY
CIMB Niaga participated in the celebration of religious holidays as a form of corporate concern in various social activities related to the commemoration. This activity is a form of CIMB Niaga's concern for others by distributing sacrificial animals to communities in need. 3 Donation of school uniforms for students, flood victims in South Bandung area Rp Donation for 27 flood victims who are employees of CIMB Niaga to purchase a cleaning kit.
ENVIRONMENTAL
Both the scholarship program, the AMDB program and other training programs are tried to be in synergy with CIMB Niaga's business strategy in the company's growth efforts. The company will also employ persons with disabilities as CIMB Niaga's commitment to provide employment opportunities for persons with disabilities and coordinate with the Mitra Netra Foundation as well as other foundations. This will be CIMB Niaga's commitment to continue to provide benefits to the stakeholders in terms of social religious activities as well as disaster recovery efforts.
Environmental Sustainability
CIMB Niaga has implemented Green Banking Policy in its business practices, in relation to the environment.
CIMB Niaga has implemented Green Banking Policy in its business practices, with regard to the environmental
CIMB Niaga takes two approaches in its management, namely internal environmental management in banking operations and participation in improving the sustainability, diversity and hygiene of the external environment. As a banking company that collects and distributes money, CIMB Niaga has implemented the Green Banking policy in its business practices by paying attention to environmental aspects. MOU of the Minister of the Environment and the Governor of Bank Indonesia on Promoting Participation of Banking Sectors in Support of Environmental Governance (No.
Green Banking
Internal
External
CORPORATE INTERNAL PROGRAM [G4-DMA]
This program also supports the activities of PT Graha Niaga Tata Utama as building management for the company's head office. The Green Office activities continued with the distribution of posters and stickers on saving natural resources at Graha Niaga, CIMB Niaga Tower as a reminder of the importance of conserving natural resources in the workplace. As a bank, the environmental impact of the main banking activities is the daily use of natural resources such as energy, water and paper in each office of CIMB Niaga.
CORPORATE EXTERNAL PROGRAM
In accordance with the laws and regulations, CIMB Niaga has a policy of providing loans only to those parties that have and support an environmental conservation policy, have environmental permits and meet the standards and guidelines set by the government in the field of environmental, including the results of the Environmental Impact Analysis (MER) report for large-scale and/or high-risk companies. This policy has been part of the Commercial Credit Policy, in this policy one of the criteria in assessing the debtor's business prospects is the debtor's effort in managing the environment, especially large scale debtors have material impact on the environment. Environmental loan disbursement materials include the Company's policies regarding the disbursement of funds that require the availability of the Environmental Impact Assessment (AMDAL) for large or high-risk companies.
Green Campaign
External stakeholder appreciation was received by CIMB Niaga for the efforts shown in environmental conservation activities. Through the consistent and coordinated efforts of CIMB Niaga staff, the company received the Sustainable Business Award 2016. This achievement is the result of the Green Office program implemented at CIMB Niaga headquarters and other initiatives that support smart spending policies .
CIMB for Customers
As in financial services, customer confidence is the number one priority for CIMB Niaga. In providing financial products and services to the community, CIMB Niaga always upholds the rights of the clients in accordance with applicable regulations. CIMB Niaga maintains the confidentiality and privacy of customer data in accordance with applicable regulatory requirements.
Nil Incident of violations related to customer privacy or loss of customer data (2014-
The Company also implements the imposition of sanctions, from undisciplined sanctions, including reprimand or warning, to termination of service, in the event of violations resulting in the loss of a customer's personal data.
Nil Incident of violations related to information and labeling of products
CIMB Niaga’s People
CIMB Niaga continues to develop and improve based on the company's strategic plan and its focus.
CIMB Niaga continues to develop and improve based on the Company’s strategic plan and on its focus in
Human Resources (HR) at CIMB Niaga implements a strategic role in the transformation and business development process undertaken by the company. The synchronization process of corporate culture is done through the A Better CIMB Niaga (ABC) program with the implementation of 3 (three) primary behaviors. For leadership development, CIMB Niaga implements The Complete Banker (TCB) Program and several other programs that include Small Medium Enterprise Development Program (SMEDP), Relationship Manager Development Program (RMDP), Sharia Banking Development Program (SBDP), Operation and IT- development program (OITDP), Teller Development Program and other development programs.
Training Overview
In addition to compensation, the Company also provides appreciation to certain employees through the Total Rewards State program, which is given in the form of cash benefits, non-cash program recognition and development for employees. In addition, the Company provides a loan facility for employee purposes such as home or apartment ownership, car ownership, education, loans, etc. motor vehicle, computer, weddings, religious worship, circumcision, the purchase of sports equipment and contractual hire. or lease) or other emergency needs.
169.41 Rp billion
This commitment is a joint agreement between the company and all individuals in CIMB Niaga as confirmed in the collective labor agreement. CIMB Niaga implements a pension scheme where employees receive pension fund assistance in the form of contributions. Since 2013, CIMB Niaga has engaged persons with disabilities to work as Telesales and Phone Banking Officers.
Index GRI G4 Core
Glossary
Feedback Sheet
