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Introduction Key Message Planning & Strategy

Financial Performance Business & Operations Report Corporate Governance

Social Responsibility Shareholders’ Information Corporate Data

Data Perusahaan Corporate Data

Bank CIMB Niaga Annual Report 2009

273

Profil Dewan Komisaris
Profile of the Board of Commissioners

Dato’ Mohd. Shukri Hussin Presiden Komisaris Warga Negara Malaysia, 55 tahun. Presiden Komisaris PT Bank CIMB Niaga Tbk sejak 8 Mei 2006. Beliau menjabat anggota Dewan Komisaris sejak Desember 2005. Saat ini beliau juga menjabat Executive Director CIMB Group Holdings Berhad (Sebelumnya bernama Bumiputra-Commerce Holdings Berhad). Sebelumnya, Dato’ Shukri adalah Chief Operating Officer CIMB Grouo Holdings Berhad. Beliau pernah menjabat berbagai posisi senior di CIMB Group termasuk Chief Executive Officer Bank Muamalat Malaysia Berhad dari tahun 1999-2003, dan sebagai Chief Executive Officer CIMB Securities Sdn Bhd (sekarang bernama CIMBS Sdn Bhd) dari 1992-1999. Beliau ditunjuk sebagai Direktur CIMB Group Holdings Berhad pada tanggal 3 Januari 2006. Beliau meraih gelar Bachelor of Economic (Hons) dari University of Malaya dan telah mendapat kualifikasi sebagai Chartered Accountant dari Institute of Chartered Accountant di Inggris dan Wales. Beliau juga menjabat Direktur CIMB Group, CIMB Bank, CIMB Islamic Bank, Commerce Capital (Labuan) Limited, CIMB Bank (Labuan) Limited, Pengawas Yayasan Laporan Kewangan, Direktur dan Ketua CIMB Aviva Assurance Berhad dan CIMB Aviva Takaful Berhad, Ketua CIMB Wealth Advisors Berhad dan Chief Executive Officer dari Dewan Pengawas CIMB Foundation.

President Commissioner Malaysian citizen, age 55. President Commissioner of PT Bank CIMB Niaga Tbk since 8th May 2006. He has served as member of the Board of Commissioners since December 2005. Currently he is also Executive Director of CIMB Group Holdings Berhad (formerly known as Bumiputra-Commerce Holdings Berhad). Dato’ Shukri was previously the Chief Operating Officer of CIMB Group Holdings Berhad. He has held various senior positions within the CIMB Group including as Chief Executive Officer of Bank Muamalat Malaysia Berhad from 1999 to 2003 and Chief Executive Officer of CIMB Securities Sdn Bhd (now known as CIMBS Sdn Bhd) from 1992 to 1999. He was appointed as a Director of CIMB Group Holdings Berhad on 3 January 2006. He holds a Bachelor of Economics (Hons) degree from University of Malaya and qualified as a Chartered Accountant with the Institute of Chartered Accountants in England and Wales.

He is also a Director of CIMB Group, CIMB Bank, CIMB Islamic Bank, Commerce Capital (Labuan) Limited, CIMB Bank (Labuan) Limited, a Trustee of Yayasan Laporan Kewangan, Director and Chairman of CIMB Aviva Assurance Berhad and CIMB Aviva Takaful Berhad, Chairman of CIMB Wealth Advisors Berhad and Chief Executive Officer of the Board of Trustee of CIMB Foundation.

274

Bank CIMB Niaga Laporan Tahunan 2009

Introduction Key Message Planning & Strategy

Financial Performance Business & Operations Report Corporate Governance

Social Responsibility Shareholders’ Information Corporate Data

Roy Edu Tirtadji Wakil Presiden Komisaris (Komisaris Independen) Warga Negara Indonesia, 63 tahun. Sejak 1 November 2008 menjabat sebagai Wakil Presiden Komisaris PT Bank CIMB Niaga Tbk yang merupakan bank hasil merger dari PT Bank Lippo Tbk ke dalam PT Bank CIMB Niaga Tbk, merangkap sebagai Komisaris Independen, Ketua Komite Pemantau Risiko, dan anggota Komite Nominasi dan Remunerasi. Memulai karir di Citibank N.A., Jakarta sejak tahun 1971-1983 dengan jabatan terakhir sebagai Vice President dan Chief of Staff di bidang Financial Control dan Human Resources. Bergabung dengan Bank Perniagaan Indonesia pada tahun 1983 sebagai Direktur. Menjabat Presiden Direktur PT Bank Umum Asia pada tahun 1988, kemudian pada tahun 1989 menjabat Wakil Presiden Direktur PT Bank Lippo Tbk yang merupakan bank hasil merger dari PT Bank Umum Asia ke dalam PT Bank Perniagaan Indonesia. Sejak tahun 1998-2008 beliau menjabat sebagai anggota Dewan Komisaris PT Bank Lippo Tbk. Pernah mengeyam pendidikan di Universitas Indonesia jurusan Teknik Sipil, saat ini beliau aktif di organisasi sosial, pelayanan masyarakat dan olah raga.

Vice President Commissioner (Independent Commissioner) Indonesian citizen, age 63. Since 1 November 2008 he serves as Vice President Commissioner of PT Bank CIMB Niaga Tbk, a merged bank from PT Bank Lippo Tbk into PT Bank CIMB Niaga Tbk. He also serves as Independent Commissioner, Chairman of Risk Monitoring Committee, and is a member of Nomination and Remuneration Committee. He started his career in Citibank N.A. Jakarta from 1971-1983 with his last position as Vice President and Chief Staff of Financial Control & Human Resources. He joined Bank Perniagaan Indonesia in 1983 as Director. President, he was Director of PT Bank Umum Asia in 1988, and in 1989 he became Vice President Director of PT Bank Lippo Tbk, a merged bank from PT Bank Umum Asia into PT Bank Perniagaan Indonesia. . From 1998-2008 he served as member of the Board of Commissioners PT Bank Lippo Tbk. He studied in University of Indonesia majoring in Civil Engineering, and currently he is active in social organizations, community services and sports activity.

Ananda Barata Komisaris Warga Negara Indonesia, 50 tahun. Komisaris PT Bank CIMB Niaga Tbk sejak 1 November 2008, merangkap anggota Komite Audit, serta Komite Nominasi dan Remunerasi. Beliau menjabat sebagai Direktur Operations & IT sejak 2007-2008, serta menjabat Komisaris pada 2003. Sebelumnya beliau pernah menjabat Direktur PT Perusahaan Pengelola Aset pada 2004, Head of Restructuring Bank di Badan Penyehatan Perbankan Nasional (BPPN) sejak 2000-2004. Beliau juga pernah menjabat berbagai posisi eksekutif di PT Bank Universal, PT Bank Nusa Nasional, dan Chase Manhattan Bank. Beliau meraih gelar Business Administration (BA) di bidang Keuangan dari American University, Washington DC, USA.

Commissioner Indonesian citizen, age 50. Commissioner of PT Bank CIMB Niaga Tbk since 1 November 2008, also serves as member of Audit Committee and Nomination and Remuneration. He served as Operations & IT Director from 2007-2008, and served as Commissioner in 2003. Previously, in 2004, he served as Director of PT Perusahaan Pengelola Aset. He was the Head of Bank Restructuring of the Indonesian Bank Restructuring Agency (IBRA) from 2000-2004. He has also served in several executive positions in PT Bank Universal, PT Bank Nusa Nasional, and Chase Manhattan Bank. He holds a Business Administration degree in Finance from the American University, Washington DC, USA.

Bank CIMB Niaga Annual Report 2009

275

dan Corporate Planning and Development Manager di Island & Peninsular Berhad. 276 Bank CIMB Niaga Laporan Tahunan 2009 . (1988). and member of Risk Monitoring Committee. 1999-2000. also serves as Chairman of Audit Committee and member of Risk Monitoring Committee. Kanada. 2005-2007. Independent Commissioner of PT Bank CIMB Niaga Tbk since 2007. Canada. 1992-1993. He holds a degree in Banking and Finance from the University of Wales. age 72. and Corporate Planning and Development Manager of Island & Peninsular Berhad. Commissioner Malaysian citizen. Ali Komisaris Independen Warga Negara Malaysia. 72 tahun.V. Saat ini beliau juga menjabat Direktur Investasi di Khazanah Nasional Berhad sejak 2008. Malaysia. and PT Multi Bintang Indonesia Tbk. 1990-1992. 1985-1988. 2001-2002. 1999-2000. Canada and am MSc degree from University of British Columbia. Fixed Income Origination di KAF Seagroatt Campbell Malaysia. 1999-2007. Beliau pernah menjabat sebagai anggota Komisi Ombudsman Nasional. Commissioner of PT Bank CIMB Niaga Tbk since 2009. Nova Scotia. 1993-2005. Sebelumnya beliau pernah menjabat CEO/Presiden Direktur PT Unilever Indonesia Tbk. Group Administration and Development Controller di Austral Enterprise Berhad. USA. Yogyakarta 1960. Direktur Corporate Planning/Corporate Structure di Public Bank Group. Previously he served as Commissioner of PT Bank Lippo Tbk. dan anggota charter Lembaga Komisaris dan Direktur Indonesia. dan Komisaris Independen PT Multi Bintang Indonesia Tbk. She has served as Independent Commissioner for: PT Sepatu Bata Tbk. Komisaris Independen PT Bank CIMB Niaga Tbk sejak 2007. 46 tahun. 1994-1995. 1985-1988. Investment Counselor for Enterprise Malaysia-Canada. Independent Commissioner Malaysian citizen. Beliau meraih gelar MBA dari Dalhousie University. Malaysia sejak 1993-2005. 2005-2008. She has also been a member of the following organizations: National Ombudsman Committee. Penasihat Investasi Enterprise Malaysia-Canada. merangkat Ketua Komite Nominasi dan Remunerasi. 1996-2008. 2001-2002. Canada. Beliau pernah menjabat Komisaris Independen PT Sepatu Bata Tbk. 1999-2007. anggota Indonesian Society of Independent Commissioners. 19901993. the Partnership for Governance Reform.Profile Dewan Komisaris Profile of the Board of Commissioners Sri Hartina Urip Simeon Komisaris Independen Warga Negara Indonesia. 59 tahun. She also was a charter member of Lembaga Komisaris dan Direktur Indonesia. merangkap sebagai Ketua Komite Audit dan anggota Komite Pemantau Risiko.. 1992-1993. Vancouver. Independent Commissioner Indonesian citizen. USA. 19992000. 1988-1990. Vancouver. He has served as Director of Investment in Khazanah Nasional Berhad since 2008. Director of Corporate Planning/Corporate Structure in Public Bank Group. Head of Corporate Finance di Mitsubishi UFG.V. Group Administration and Development Controller of Austral Enterprises Berhad. Menjabat sebagai Komisaris PT Bank CIMB Niaga Tbk sejak 2009. Menjabat sebagai Komisaris Independen PT Bank CIMB Niaga Tbk sejak 1 November 2008. 1990-1992. Komisaris Independen PT Dynaplast Tbk. Beliau meraih gelar di bidang Perbankan dan Keuangan dari University of Wales. anggota Partnership for Governance Reform. 1994-1995. Independent Commissioner of PT Bank CIMB Niaga Tbk since 1 November 2008. Previously she served as CEO/President Director of PT Unilever Indonesia Tbk. 1999-2007.. Nova Scotia. Yogyakarta (graduated 1960) and has participated in the Senior Executive Programme of Stanford University. Fixed Income Origination KAF Seafroatt Campbell Malaysia. PT Dynaplast Tbk. dan telah mengikuti Senior Executive Programme di Standford University. 1990-1993. She holds a Bachelor degree in Chemical Engineering from Gajah Mada University.. dan anggota Komite Pemantau Risiko. 1999-2007. He holds an MBA degree from Dalhousie University. and the Indonesian Society of Independent Commissioners. and Corporate Banking Malayan Banking Berhad. Zulkifli M. Joseph Dominic Silva Komisaris Warga Negara Malaysia. age 59. Previously he served as Head of Commercial Asia ABN Amro Bank N. Beliau meraih gelar Sarjana di bidang Teknik Kimia dari Universitas Gajah Mada. Sebelumnya beliau menjabat Head of Commercial Asia ABN Amro Bank N. 1996-2008. 2005-2007. Head of Corporate Finance of Mitsubishi UFG. dan Corporate Banking di Malayan Banking Berhad. 2000-2007. 1999-2000. Sebelumnya beliau menjabat Komisaris PT Bank Lippo Tbk sejak 2005-2008. serta gelar MSc dari University of British Columbia. 1988. also serves as Chairperson of Nomination and Remuneration Committee. 19881990. 2000-2007. age 46.

Drs. MM. Member Member of Audit Committee PT Bank CIMB Niaga Tbk since 1 November 2008 and also serves as Commissioner and member of Nomination and Remuneration Committee of PT Bank CIMB Niaga Tbk. Ali Ketua Ketua Komite Audit PT Bank CIMB Niaga Tbk sejak 1 November 2008. Ananda Barata Anggota Anggota Komite Audit PT Bank CIMB Niaga Tbk sejak 1 November 2008. Saat ini beliau juga menjabat sebagai anggota Komite Pemantau Risiko dan merangkap Komisaris Independen PT Bank CIMB Niaga Tbk. Joseph Dominic Silva Zulkifli M. Sukrisno Agoes.Introduction Key Message Planning & Strategy Financial Performance Business & Operations Report Corporate Governance Social Responsibility Shareholders’ Information Corporate Data Profil Komite Audit Profile of Audit Committee dari kiri ke kanan from left to right Prof. Chairman Chairman of Audit Committee of PT Bank CIMB Niaga Tbk since 1 November 2008. Member Member of Audit Committee PT Bank CIMB Niaga Tbk since August 2009 and also serves as Commissioner and member of Nomination and Remuneration Committee of PT Bank CIMB Niaga Tbk. CPA. Zulkifli M. Kanaka Puradiredja. Bank CIMB Niaga Annual Report 2009 277 . Binhadi. Concurrently he serves as a member of the Risk Monitoring Committee and as an Independent Commissioner of PT Bank CIMB Niaga Tbk. Dr. Drs. Jusuf Halim. serta merangkap sebagai Komisaris dan anggota Komite Nominasi dan Remunerasi PT Bank CIMB Niaga Tbk. Joseph Dominic Silva Anggota Menjabat sebagai Anggota Komite Audit PT Bank CIMB Niaga Tbk sejak Agustus 2009 sekaligus merangkap sebagai Komisaris dan menjabat sebagai anggota Komite Nominasi dan Remunerasi PT Bank CIMB Niaga Tbk. AK. Ali. Ananda Barata.

He holds a Bachelor degree in Economics and a Master degree (MM) in Accounting Management from the University of Indonesia. 1994-1998. Currently. and has been a Lecturer at Post Graduate and Undergraduate Programa in the Faculty of Economics. 2003-2006. beliau juga menjabat sebagai Dekan Fakultas Ekonomi Universitas Tarumanegara sejak tahun 2004. He holds a Bachelor degree in Accounting from the University of Indonesia. age 52. Sukrisno Agoes. He is also a Partner in Drs. and a Doctorate degree in Accounting/ Auditing from Padjadjaran University. he is active as member of Indonesian Institute of Accountants. MM. and a member of the Audit Committee of PT Bursa Efek Indonesia. Member of Audit Committee of PT Bank CIMB Niaga Tbk since 1 November 2008. Saat ini beliau menjabat sebagai anggota Dewan Pengurus Ikatan Komite Audit Indonesia dan anggota Dewan Konsultatif Standar Akuntansi Keuangan. age 62. Di dunia pendidikan.Profil Komite Audit Profile of Audit Committee Prof. Bandung. Additionally. Pendidikan Profesi Akuntan (PPAK) and University of Indonesia. a Master degree in Business Law from Pelita Harapan University and a Doctorate degree in Strategic Management from the University of Indonesia. He has also served as the Dean of Faculty of Economics Tarumanegara University since 2004. Ikatan Akuntan Indonesia. Drs. Indonesian Institute of Accountants. Pendidikan Profesi Akuntan (PPAK) Universitas Indonesia. 62 tahun. 1994-1998. 52 tahun. In the field of academics. Anggota Komite Audit PT Bank CIMB Niaga Tbk sejak 1 November 2008. Jusuf Halim Anggota Warga Negara Indonesia. AK. Sebelumnya beliau pernah menjabat Ketua Komite Standar Akuntansi Keuangan. Member Indonesian citizen. dan anggota Komite Audit PT Bursa Efek Indonesia. serta sebagai Dosen S1 dan S2 di Fakultas Ekonomi Universitas Indonesia sejak 1990. 2003-2006. University of Indonesia since 1990. Dr. he is a Lecturer in several educational institutions including Padjadjaran University. selain sebagai dosen di berbagai lembaga pendidikan antara lain Universitas Padjadjaran. Ikatan Sarjana Ekonomi Indonesia dan Ketua Dewan Kehormatan Profesi IAPI. Saat ini beliau aktif sebagai anggota Ikatan Akuntan Indonesia. Member of Audit Committee of PT Bank CIMB Niaga Tbk since 1 November 2008. Ikatan Akuntan Indonesia. serta meraih gelar Doktor di bidang Akuntansi/Auditing dari Universitas Padjadjaran. Currently he serves as a Board Member of the Indonesian Institute of Audit Committee. Sukrisno Agoes. 278 Bank CIMB Niaga Laporan Tahunan 2009 . MM & Rekan. dan Ketua Dewan Penguji Ujian Sertifikasi Akuntan Publik. Ikatan Sarjana Ekonomi Indonesia and is Chairman of Dewan Kehormatan Profesi IAPI. Selain itu. Sukrisno Agoes. Anggota Komite Audit PT Bank CIMB Niaga Tbk sejak 1 November 2008. CPA Anggota Warga Negara Indonesia. he is a member of the Advisory Board on Financial Accounting Standards. beliau juga sebagai Partner di Kantor Akuntan Publik Drs. gelar Magister Hukum Bisnis dari Fakultas Hukum Universitas Pelita Harapan dan gelar Doktor Manajemen Stratejik dari Universitas Indonesia. Member Indonesian citizen. Beliau meraih gelar Sarjana di bidang Ekonomi dan gelar Magister Manajemen (MM) di bidang Management Accounting dari Universitas Indonesia. Previously he served as Chairman of Indonesian Financial Accounting Standards. Bandung. MM & Partner registered public accountant. Beliau meraih gelar Sarjana di bidang Akuntansi dari Universitas Indonesia. Chairman of Indonesian CPA Examination Board.

Saat ini beliau juga menjabat sebagai Ketua Majelis Kehormatan Ikatan Akuntan Indonesia. Suhartono hingga tahun 2007. Berpengalaman cukup panjang di Bank Indonesia dengan jabatan terakhir sebagai Deputy Gubernur dan di beberapa bank umum serta lembaga keuangan termasuk Komisaris Bank Niaga dan Komisaris Utama Bank Mandiri. Lembaga Komisaris dan Direktur Indonesia. 1978-1998. He has previously worked at Bank Indonesia with his last position as Deputy Governor as well as for some commercial banks and financial institutions including as a Commissioner of Bank Niaga and President Commissioner of Bank Mandiri. dan Bank Supervision School. Beliau juga Senior Partner di Kantor Akuntan Publik Kanaka Puradiredja. Vice Chairman – Cooperative Sub-Committee. Beliau adalah anggota atau mantan anggota Komite Audit di berbagai perusahaan publik di Indonesia. Binhadi Anggota Warga Negara Indonesia. Ketua Dewan Pengurus Ikatan Komite Audit Indonesia. He also served as member of Board of Indonesian International Transparency and former member of Supervisory Board Agency of The Rehabilitation and Reconstruction for the Region and Community of Aceh . Member of Audit Committee of PT Bank CIMB Niaga Tbk since 2007. dan sebagai Chairman di tahun 1999.Introduction Key Message Planning & Strategy Financial Performance Business & Operations Report Corporate Governance Social Responsibility Shareholders’ Information Corporate Data Drs. He holds Bachelor degree in Accounting from Padjadjaran University. Jakarta. Anggota Komite Audit PT Bank CIMB Niaga Tbk sejak 2008. Sebelumnya beliau pernah menjadi anggota Dewan Pengurus Transparansi Internasional Indonesia dan anggota Dewan Pengawas Badan Rehabilitasi dan Rekonstruksi (BRR) Aceh . Currently he serves as Chairman of Honorary Council Indonesian Institute of Accountant.National Governance Committee. Bandung. age 65. Bank Indonesia. He was a Managing Partner of KPMG Indonesia. tahun 1964. Chairman of Board of Indonesian Audit Committee Institute. member of Honorary Board of Risk Management Association. Beliau meraih gelar Sarjana di bidang Administrasi Niaga dari Universitas 17 Agustus 1945. 74 tahun. Bank CIMB Niaga Annual Report 2009 279 . Bandung. age 74. Beliau adalah Managing Partner KPMG Indonesia dari 1978-1998. Member of Audit Committee PT Bank CIMB Niaga Tbk since 2008. and Vice Chairman of Indonesia Institute of Commissioners and Directors. and was Chairman in 1999. He was a Senior Partner of Kanaka Puradiredja. Member Indonesian citizen. Lecturer in Lembaga Pengembangan Perbankan Indonesia. and Bank Supervision School. Anggota Dewan Kehormatan pada Risk Management Association. Kanaka Puradiredja Anggota Warga Negara Indonesia. Jakarta. Bank Indonesia. serta pengajar di Lembaga Pengembangan Perbankan Indonesia. 65 tahun. He is a member or former member of Audit Committee in several public companies in Indonesia. Beliau meraih gelar Sarjana di bidang Akuntansi dari Universitas Padjadjaran. He holds a Bachelor degree in Business Administration from Universitas 17 Agustus 1945. dan Wakil Ketua Lembaga Komisaris dan Direksi Indonesia. in 1964. Member Indonesian citizen.Nias. Anggota Komite Audit PT Bank CIMB Niaga Tbk sejak 2007. Saat ini beliau juga menjabat sebagai Direktur Utama Dana Pensiun Bank Indonesia. Lembaga Komisaris dan Direktur Indonesia. Currently he also serves as President Director of Bank Indonesia’s Pension Fund. Suhartono registered public accountant until 2007. Wakil Ketua Sub-Komite Korporasi – Komite Nasional Kebijakan Governance.Nias (BRR).

Mawar I. 280 Bank CIMB Niaga Laporan Tahunan 2009 . Ali. Chairman Chairman of Risk Monitoring Committee of PT Bank CIMB Niaga Tbk since 1 November 2008. Sri Hartina Urip Simeon Anggota Anggota Komite Pemantau Risiko PT Bank CIMB Niaga Tbk sejak 1 November 2008. and as member of Nomination and Remuneration Committee of PT Bank CIMB Niaga Tbk. also serves as Chairperson of Nomination and Remuneration Committee and Independent Commissioner.R. Sri Hartina Urip Simeon. Member Member of Risk Monitoring Committee of PT Bank CIMB Niaga Tbk since 1 November 2008. Beliau merangkap sebagai Ketua Komite Nominasi dan Remunerasi dan Komisaris Independen. Jusuf Halim Roy Edu Tirtadji Ketua Ketua Komite Pemantau Risiko PT Bank CIMB Niaga Tbk sejak 1 November 2008. serta anggota Komite Nominasi dan Remunerasi PT Bank CIMB Niaga Tbk. Concurrently he served as Vice President Commissioner.Profil Komite Pemantau Risiko Profile of Risk Monitoring Committee dari kiri ke kanan from left to right Zulkifli M. Roy Edu Tirtadji. Napitupulu. Beliau juga merangkap sebagai Wakil Presiden Komisaris dan Komisaris Independen. as Independent Commissioner.

Mawar dan Saptoto (RSM AAJ Associates). Belgium (graduated 1990) and a Bachelor degree in Accounting from the Faculty of Economics. and is a a Lecturer for the Accounting Department. Universitas Indonesia. University of Indonesia. and as Secretary and Member of Risk Monitoring Committee since April 2007. She holds an MBA degree in Finance from Katholieke Universiteit Leuven. Bank CIMB Niaga Annual Report 2009 281 . Ali Anggota Menjabat sebagai Anggota Komite Pemantau Risiko PT Bank CIMB Niaga Tbk sejak 1 November 2008.R. She is currently a Senior Managing Partner of RSM Aryanto. Concurrently he serves as Independent Commissioner and Chairman of Audit Committee of PT Bank CIMB Niaga Tbk. Meraih gelar MBA di bidang Keuangan dari Katholieke Universiteit Leuven. age 47. in 1986. 47 tahun. Saat ini beliau menjabat sebagai Senior Managing Partner di Kantor Akuntan Publik RSM Aryanto. Napitupulu Anggota Warga Negara Indonesia. He serves as member of Audit Committee. Amir Jusuf. Menjabat sebagai Anggota Komite Pemantau Risiko PT Bank CIMB Niaga Tbk sejak 1 November 2008. Belgia di tahun 1990. Jusuf Halim Anggota Menjabat sebagai Anggota Komite Pemantau Risiko PT Bank CIMB Niaga Tbk sejak 1 November 2008. University of Indonesia. Mawar I. Economics Faculty.Maret 2006. Member Appointed as member of Risk Monitoring Committee of PT Bank CIMB Niaga Tbk since 1 November 2008.Introduction Key Message Planning & Strategy Financial Performance Business & Operations Report Corporate Governance Social Responsibility Shareholders’ Information Corporate Data Zulkifli M. Member Member of Risk Monitoring Committee PT Bank CIMB Niaga Tbk since 1 November 2008. He served as member of the Audit Committee from July 2001 until March 2006. 1986. gelar Sarjana di bidang Akuntansi diraih dari Fakultas Ekonomi. Mawar and Saptoto (RSM AAJ Associates) registered public accountant. Beliau merangkap jabatan sebagai Komisaris Independen serta Ketua Komite Audit PT Bank CIMB Niaga Tbk. Member Indonesian citizen. Amir Jusuf. Saat ini beliau juga menjabat sebagai anggota Komite Audit. Sebelumnya menjabat Sekretaris & Anggota Komite Pemantau Risiko sejak April 2007. Fakultas Ekonomi Universitas Indonesia. Ketua Badan Review Mutu – Institut Akuntan Publik Indonesia. Member of Risk Monitoring Committee of PT Bank CIMB Niaga Tbk since 1 November 2008. serta pengajar pada Departemen Akuntansi. sebagai Anggota Komite Audit PT Bank CIMB Niaga Tbk sejak Juli 2001. Chairperson of Quality Reviewer Agency – Indonesian Institute of Certified Public Accountants.

282 Bank CIMB Niaga Laporan Tahunan 2009 . Roy Edu Tirtadji Anggota Menjabat sebagai Anggota Komite Nominasi dan Remunerasi PT Bank CIMB Niaga Tbk sejak 1 November 2008. Sri Hartina Urip Simeon. merangkap sebagai Anggota Komite Pemantau Risiko dan Komisaris Independen..Profil Komite Nominasi dan Remunerasi Profile of Nomination and Remuneration Committee dari kiri ke kanan from left to right Roy Edu Tirtadji. also serves as Member of Risk Monitoring Committee and is an Independent Commissioner. Ananda Barata. Joseph Dominic Silva. Awaldi Sri Hartina Urip Simeon Ketua Menjabat sebagai Ketua Komite Nominasi dan Remunerasi PT Bank CIMB Niaga Tbk sejak 1 November 2008. Independent Commissioner. and Chairman of Risk Monitoring Committee. Chairperson Chairperson of Nomination and Remuneration Committee PT Bank CIMB Niaga Tbk since 1 November 2008. Member Member of Nomination and Remuneration Committee PT Bank CIMB Niaga Tbk since 1 November 2008. also serves as Vice President Commissioner. merangkap sebagai Wakil Presiden Komisaris merangkap Komisaris Independen dan Ketua Komite Pemantau Risiko.

age 43. Member of Nomination and Remuneration Committee PT Bank CIMB Niaga Tbk since January 2009. Sebelumnya adalah Director. Member Member of Nomination and Remuneration Committe PT Bank CIMB Niaga Tbk since August 2009 and also serves as Commissioner and member of the Audit Committee of PT Bank CIMB Niaga Tbk. Menjabat sebagai Anggota Komite Nominasi dan Remunerasi sejak Januari 2009. Beliau meraih gelar Magister Management (MM) di bidang Bisnis Internasional dari IPMI/Monash University. Kuala LumpurJuni 2008 . and a Bachelor degree in Psychology from Gajah Mada University. Pernah menjabat sebagai HR Group Head PT Bank CIMB Niaga Tbk (dahulu PT Bank Niaga Tbk) sejak Juni 2000 sampai . June 2000 .Introduction Key Message Planning & Strategy Financial Performance Business & Operations Report Corporate Governance Social Responsibility Shareholders’ Information Corporate Data Ananda Barata Anggota Menjabat sebagai Anggota Komite Nominasi dan Remunerasi PT Bank CIMB Niaga Tbk sejak 1 Januari 2009 sekaligus merangkap sebagai Anggota Komite Audit dan Komisaris. Joseph Dominic Silva Anggota Menjabat sebagai Anggota Komite Nominasi dan Remunerasi PT Bank CIMB Niaga Tbk sejak Agustus 2009 sekaligus merangkap sebagai Komisaris dan Menjabat sebagai anggota Komite Audit PT Bank CIMB Niaga Tbk. Commerce Leadership Institute.January 2009. CIMB Group.Januari 2009. Previously served as Director.Mei 2008. Bank CIMB Niaga Annual Report 2009 283 . Commerce Leadership Institute.May 2008. Yogyakarta. CIMB Group. 43 tahun. He also serves as Head of the Human Resources Development PT Bank CIMB Niaga Tbk. He also served as HR Group Head of PT Bank CIMB Niaga Tbk (former PT Bank Niaga Tbk). Group HR. Awaldi Anggota Warga Negara Indonesia. serta gelar Sarjana di bidang Psikologi dari Universitas Gajah Mada. June 2008 . Yogyakarta. Member Member of Nomination and Remuneration Committee PT Bank CIMB Niaga Tbk since 1 January 2009. Kuala Lumpur. Saat ini beliau juga menjabat sebagai Head of Human Resources Development PT Bank CIMB Niaga Tbk. He holds a Magister Management (MM) degree in International Business from IPMI/Monash University. Member Indonesian citizen. Group HR. also serves as a member of the Audit Committee and is a Commissioner.

Wharton School of Business. Memulai karir perbankan di Bank of America pada tahun 1980 yang dilanjutkan di PT Bank Niaga Tbk sejak 1987-1999 dengan jabatan terakhir sebagai Wakil Presiden Direktur. mematuhi prinsip tata kelola perusahaan yang baik dan praktek prudential banking Main Responsibility: Developing long-term strategy for the company including marketing strategy and products/ services development with regards to market demand in every business segment. President Director of PT Bank CIMB Niaga Tbk since 1 November 2008. providing appropriate direction and guideline over policies in operational support and banking services. Beliau juga mengikuti berbagai pendidikan eksekutif di Harvard School of Business. He holds a bachelor’s degree in Development Studies from the Faculty of Economics University of Indonesia (graduated 1981). 1981. Wharton School of Business. He joined PT Bank Niaga Tbk in1987 where he served in a number of positions until1999. sistem dan prosedur. Additionaly. information technology. USA. Selain itu memberikan arahan dan petunjuk atas kebijakan bidang pendukung operasional dan layanan perbankan. He was appointed as Vice Chairman of IBRA in 2000. He has also attended several executives programs at the Harvard School of Business. Sebelumnya beliau menjabat Presiden Direktur PT Telekomunikasi Indonesia Tbk.Profil Direksi Profile of the Directors Arwin Rasyid Presiden Direktur Warga Negara Indonesia. Previously he served as President Director of PT Telekomunikasi Indonesia Tbk. Pada tahun 1999. USA. and human resources as well as ensuring all banking operations remain in strict compliance with Good Corporate Governance and prudential banking practices. 284 Bank CIMB Niaga Laporan Tahunan 2009 . President Director Indonesian citizen. teknologi informasi. His career in the banking industry began in 1980 with Bank of America. 53 tahun. beliau diangkat sebagai Wakil Ketua BPPN. as well as Forensic Investigation. Beliau meraih gelar Sarjana di bidang Studi Pembangunan dari Fakultas Ekonomi Universitas Indonesia. Presiden Direktur PT Bank CIMB Niaga Tbk sejak 1 November 2008. Vice President Director of PT Bank Negara Indonesia Tbk and President Director of PT Bank Danamon Tbk. dan INSEAD. In 1999. and INSEAD. Tugas Utama: Menetapkan strategi jangka panjang perusahaan serta strategi pemasaran dan pengembangan produk/jasa sesuai tuntutan dan kebutuhan pasar untuk semua segmentasi bisnis. beliau menjadi staf ahli di Badan Penyehatan Perbankan Nasional (BPPN) menangani bidang pengelolaan risiko Asset Management Investment dan Asset Management Credit serta membawahi Forensic Investigation. and he holds a Master degree in International Economics and International Business from the University of Hawaii. systems and procedures. aspek hukum. dan gelar Master di bidang International Economics and International Business dari University of Hawaii. His last position was Vice President Director. Pada tahun 2000. age 53. responsible for risk management in Asset Management Investment and Asset Management Credit. legal aspects. aspek financial. dan sumber daya manusia serta menjamin pelaksanaan fungsi kepatuhan pada seluruh operasional perbankan agar perusahaan mempunyai standar etika tinggi. financial aspects. Wakil Presiden Direktur PT Bank Negara Indonesia Tbk dan Presiden Direktur PT Bank Danamon Tbk. he became Advisor in the Indonesian Bank Restructuring Agency (IBRA).

51 tahun. concurrently serves as Credit Risk Management Director. He was Vice President Director of PT Bank Niaga Tbk. 2007-2008. Mengkoordinasikan unit kerja Credit and Risk Management guna mencapai pertumbuhan bisnis yang memperhatikan aspek kehati-hatian serta mewujudkan proses bisnis perbankan yang efisien dengan peran koordinasi pada direktorat Operation and IT. Vice Presiden Director of PT Bank CIMB Niaga Tbk since August 2009.. Memberikan arahan dalam mencapai target funding dan lending serta pengembangan cross selling pada unit kerja Sales Distribution & Syariah dan Retail Banking. Vice President Director Indonesian citizen. Sebelumnya beliau menjabat Direktur Retail Banking sejak 2008-2009. Beliau meraih sertifikasi BSMR pada tahun 2006. dan menduduki beberapa posisi senior antara lain Direktur Business Banking. Mengembangkan produk dan jasa yang kompetitif sesuai dengan tuntutan pasar dengan memanfaatkan perkembangan teknologi informasi.. 2008-2009. Tugas Utama: Bersama-sama Presiden Direktur menetapkan strategi jangka panjang perusahaan dan membantu pelaksanaan tugas Presiden Direktur. He holds Bachelor degree in Economics from Jayabaya University. 1999. Providing direction to achieve funding and lending target. anggota Tim Pengelola PT Bank Niaga Tbk. Developing competitive products and services to be aligned with market demand using the latest development of Information Technology.Introduction Key Message Planning & Strategy Financial Performance Business & Operations Report Corporate Governance Social Responsibility Shareholders’ Information Corporate Data Daniel James Rompas Wakil President Direktur Warga Negara Indonesia. Wakil Presiden Direktur PT Bank CIMB Niaga Tbk sejak Agustus 2009. Bank CIMB Niaga Annual Report 2009 285 . serta Direktur di PT Bank Niaga Tbk sejak 1999. Main Responsibility: Together with the President Director to define long-term strategy for the company and to support the President Director’s responsibilities. Direktur Commercial Banking. and to develop cross selling within Sales Distribution & Syariah and Retail Banking Unit. He has been fully certified by BSMR (Indonesia Management Risk Certification Body) since 2006. Jakarta. member of Management Team of PT Bank Niaga Tbk. Coordinating Crediit and Risk Management Unit to achieve business growth with prudential banking practices. He has also attended several executive education programs at Harvard Business School. including: Business Banking Director. Corporate Banking Group Head and Merchant Banking Group Head. age 51. Beliau telah mengikuti berbagai program pendidikan eksekutif di Harvard Business School. Corporate Banking Group Head dan Merchant Banking Group Head. Previously he served as Retail Banking Director. Additionally he has several in senior seniour positions at PT Bank Niaga Tbk. merangkap sebagai Direktur Credit Risk Management. Global Leadership Development Programme By International Centre For Leadership in Finance dan International Institute for Management Development Switzerland. Director of PT Bank Niaga Tbk. Beliau pernah menjabat Wakil Presiden Direktur di PT Bank Niaga Tbk. Beliau meraih gelar Sarjana di bidang Ekonomi dari Universitas Jayabaya. Commercial Banking Director. Global Leadership Development Programme By International Center for Leadership in Finance and International Institute for Management Development Switzerland. Special Asset Management Group Head. as well as to realize efficient banking business process in line with support from the Operation & IT directorate. Special Asset Management Group Head. 2007-2008. Jakarta.

Profile Direksi Profile of the Directors Catherinawati Hadiman Wakil President Direktur Warga Negara Indonesia. Bertanggung jawab atas target funding maupun lending serta pengembangan cross selling dalam segmen korporasi dan bisnis. Beliau juga pernah bekerja sebagai auditor di KPMG Hanadi Sudjendro. Treasury Management Group Head. Attending Harvard Business School Executive Program and fully certified by BSMR (Indonesia Management Risk Certification Body) in 2006. Business Banking & Small Micro Enterprises. She holds Bachelor degree in Business Administration from Atmajaya University and Accounting from Trisakti University Tugas Utama: Bersama-sama Presiden Direktur menetapkan strategi jangka panjang perusahaan dan membantu pelaksanaan dan tugas Presiden Direktur dalam merumuskan strategi di bidang pemasaran serta pengembangan produk dan jasa perbankan pada segmen Corporate Banking. Mengkoordinasikan direktorat Finance and Strategy dalam pelaksanaan implementasi budget strategy and planning. Director of PT Niaga Management Company and Niaga Finance Company Hong Kong. and held various senior positions such as Head of Corporate Banking. Sebelumnya beliau menjabat Direktur Korporasi dan Bisnis. dan pernah menduduki posisi senior antara lain menjabat sebagai Head of Corporate Banking. Wakil Presiden Direktur PT Bank CIMB Niaga Tbk sejak Agustus 2009. she was an auditor with KPMG Hanadi Sujendro. Mengikuti Harvard Business School Executive Program dan meraih sertifikasi BSMR pada tahun 2006. Providing appropriate direction and strategy for the development and innovation of competitive products and services in line with demand and technology advancements. In the past. Vice President Director of PT Bank CIMB Niaga Tbk since August 2009. age 45. Responsible for achieving funding and lending target as well as cross selling development in corporate and business segments. merangkap sebagai Direktur Corporate Banking. Coordinating directorate of Finance and Strategy in the implementation of strategy and planning budget. Main Responsibility: Together with the President Director to define longterm strategy for the company and to support President Director’s responsibilities in implementing marketing strategy and products/services development for Corporate Banking. 45 tahun. Menentukan arah dan strategi yang tepat dalam hal inovasi dan pengembangan produk dan jasa yang kompetitif sesuai dengan tuntutan dan perkembangan teknologi. Direktur PT Niaga Management Company dan Niaga Finance Company Hong Kong. 286 Bank CIMB Niaga Laporan Tahunan 2009 . Treasury Management Group Head. Business Banking & Small Micro Enterprises. concurrently serves as Corporate Banking Dircetor. Previously she served as Corporate and Business Director. Beliau meraih gelar sarjana di bidang Administrasi Niaga dari Universitas Atma Jaya dan Sarjana Akuntansi dari Universitas Trisakti Vice President Director Indonesian citizen.

ensuring sufficient and dependable risk management policies for business units are compliant with prudential banking approach in doing business. Director of Synergy Drive Berhad. 19992002. Sebelumnya beliau menjabat Direktur CIMB Investment Bank Berhad. 20022004. and ensuring liable and standard accounting practices. Tugas Utama: Mengembangkan dan mengelola sistem manajemen dan informasi kinerja perusahaan. UK. Beliau juga pernah bekerja sebagai Auditor di Northern Trust Company. serta meraih gelar di bidang Hukum dan Akuntansi dari University of Manchester. Kuala Lumpur. Previously he served as Director of CIMB Investment Bank Berhad. Managing corporate risk. Kuala Lumpur. 2004-2009. Kuala Lumpur. 1999-2002. and Head of Strategic Business Development in Maybank Investment Bank. London. Director Malaysian citizen. UK. Berkontribusi dalam pengelolaan risiko perusahaan serta memastikan fungsi-fungsi yang dikelola oleh seluruh unit perusahaan memiliki manajemen risiko yang baik dan menerapkan prinsip kehati-hatian. London. 2002-2004. Providing funding and investment strategies to optimize ROA and ROE. Beliau lulus dari Institute of Chartered Accountants in England and Wales. Kuala Lumpur. He graduated from the Institute of Chartered Accountants in England and Wales. dan Auditor di PricewaterhouseCoopers. Strategy and Finance Director of PT Bank CIMB Niaga Tbk since July 2009. Bank CIMB Niaga Annual Report 2009 287 . 1995-1998. Memimpin unit kerja perencanaan korporat yang bertanggung jawab menyusun strategi dan inisiatif dalam rangka mencapai visi perusahaan Main Responsibilty: Ensuring Management Information Systems oversight and development in line with Corporate goals. Executing and monitoring effective financial management. Kuala Lumpur. 20062007. 2006-2007. dan Head of Strategic Business Development di Maybank Investment Bank. London. Melakukan pengawasan dan perencanaan manajemen keuangan yang efektif serta memastikan adanya praktik akuntansi sesuai dengan standar yang berlaku. and Auditor in PricewaterhouseCoopers. London. Direktur Synergy Drive Berhad. 38 tahun. Menyusun strategi pendanaan dan investasi untuk mengoptimalkan ROA dan ROE. Kuala Lumpur. To lead the Corporate Planning unit in providing strategy and initiative in order to achieve the Company’s vision. age 38. and holds a degrees in Law and Accounting from University of Manchester. He also worked as an Auditor for the Northern Trust Company.Introduction Key Message Planning & Strategy Financial Performance Business & Operations Report Corporate Governance Social Responsibility Shareholders’ Information Corporate Data Wan Razly Abdullah Direktur Warga Negara Malaysia. Direktur Strategi dan Keuangan PT Bank CIMB Niaga Tbk sejak Juli 2009. 20042009. 1995-1998.

Beliau bergabung dengan Bank Bumiputera Berhad tahun 1995 dan telah menjabat berbagai posisi di Divisi Tresuri. beliau juga pernah memegang fungsi support di kantor pust sebagai Financial Accounting Group Head. He holds a Master degree in Management and Finance from Kentucky State University. He began his career with Bank Bumiputra Berhad in 1985 where he held several positions in the Treasury Division. he also holds an important position in the head office as Financial Accounting Group Head. Direktur Business Banking PT Bank CIMB Niaga Tbk sejak 1 November 2008. Melakukan pengelolaan funding. He was also posted as A. Empowering existing market potential and allocating optimum resources to achieve growth and profitability target as well as competitive position within the market. Director Indonesian citizen. Pendayagunaan potensi pasar yang ada serta pengalokasian sumber daya yang optimal guna mencapai target pertumbuhan. Area Manager. age 51. he develops lending for micro and pawn shop for individual. dan Head of Corporate Sales.Profile Direksi Profile of the Directors Mohamed Fadzil Sulaiman Direktur Warga Negara Malaysia. Divisi Tresuri di CIMB. and Risk Asset Support Group Head. Area Manager. Sebelumnya beliau menjabat Head of Business Banking. and liability of the company to ensure it is managed prudently. 288 Bank CIMB Niaga Laporan Tahunan 2009 . Bandung. 2007-2009. Card Products Group Head. He holds a Bachelor degree in Accounting from Padjajaran University. He served as Head of Treasury and Capital Markets. Main Responsibility: Determining marketing direction and business strategy to promote Treasury & Capital Market products. Previously he served as Head of Business Banking. Beliau meraih gelar Sarjana di bidang Akuntansi dari Universitas Padjadjaran. Bandung. Direktur Treasury & Capital Market PT Bank CIMB Niaga Tbk sejak Agustus 2009. Head of Forex. lastly.M Treasury di cabang antar bangsa CIMB London dan Singapura. Director Malaysian citizen. liquidity. and a Bachelor degree in Finance from Indiana State University. middle commercial and small micro enterprises. middle commercial dan small micro enterprises. dan gelar Bachelor of Science di bidang Keuangan dari Indiana State University. Jakarta I Sales and Services. USA. USA.G. Providing direction in business planning and achievement of funding and lending target as well as cross selling development. Handoyo Soebali Direktur Warga Negara Indonesia. 51 tahun. Sebelumnya beliau adalah Vice President Cross Market Trading. Beliau pernah menjabat Head of Treasury and Capital Market sejak 20072009. and to optimize the company’s revenue throughout money market and capital market activities. Beliau juga pernah menduduki jabatan sebagai Presiden Komisaris PT Niaga Sekuritas dan Ketua Dewan Pengawas Dana Pensiun PT Bank Niaga Tbk. and Head of Corporate Sales in Treasury Division of CIMB. liquidity. Treasury and Capital Market Director of PT Bank CIMB Niaga Tbk since August 2009. dan liability perusahaan untuk memastikan bahwa perusahaan beroperasi secara prudent. Jakarta I Sales & Services. He also served as President Commissioner of PT Niaga Sekuritas and Chairman of Supervision Council of Pension Fund PT Bank Niaga Tbk. 50 tahun. Managing fund.M Treasury in CIMB London and Singapore. USA. Card Products Group Head. USA. dan Risk Asset Support Group Head. Main Responsibility: Providing strategic direction in marketing and development of products and services for Business Banking segment covering high end commercial. Beliau juga pernah bertugas sebagai A. keuntungan dan posisi yang kompetitif di pasar. Tugas Utama: Memberikan arahan strategis dalam bidang pemasaran dan pengembangan produk dan jasa khususnya pada segmen Business Banking yang meliputi bisnis high end commercial. Previously he was Vice President of Cross Market Trading. terakhir juga merintis pembiayaan mikro dan gadai untuk perorangan Mengarahkan perencanaan kerja dan pencapaian target funding maupun lending dan pengembangan cross selling.selain di lapangan. Tugas Utama: Menentukan arah dan strategi bisnis dalam memasarkan produk Treasury & Capital Market. serta memaksimalkan pendapatan perusahaan melalui aktivitas pasar uang dan pasar modal. Business Banking Director of PT Bank CIMB Niaga Tbk since 1 November 2008.G. Head of Forex. Beliau merah gelar Master di bidang Manajemen dan Keuangan dari Kentucky State University. age 50.

Insead. berlanjut di PT Bank Niaga Tbk dengan menempati berbagai jabatan di Consumer Marketing Officer. Tugas Utama: Memberikan arahan dan petunjuk mengenai pelaksanaan kegiatan secara menyeluruh khususnya di Direktorat Operations & IT sejalan dengan perencanaan strategis yang di dukung oleh sisi teknologi informasi. Direktur Operations & IT PT Bank CIMB Niaga Tbk sejak 1 November 2008. Selain itu juga bertanggung jawab untuk mengelola aspek risiko hukum.Introduction Key Message Planning & Strategy Financial Performance Business & Operations Report Corporate Governance Social Responsibility Shareholders’ Information Corporate Data Paul Setiawan Hasjim Direktur Warga Negara Indonesia. Main Responsibility: Providing comprehensive direction and instruction with regard to the implementation activities in Operations & IT Directorate in line with strategic planning supported by aspects of information technology. Corporate Affairs dan Hukum PT Bank CIMB Niaga Tbk sejak Desember 2008. Insead. Prior to joining PT Bank Niaga Tbk in 1983. having the applicability and reliability to ensure seamless communication from the users as required. She holds a Bachelor degree in Law from the University of Indonesia. antara lain dari University of Michigan Business School. and Harvard Business School. dan Head of Corporate Affairs. Tugas Utama: Memberikan arahan dan menetapkan kebijakan terkait dengan pelaksanan Standar Tata Kelola Perusahaan serta memastikan seluruh regulasi (kebijakan. age 50. Previously he served as Head of IT & Systems and Head of Operations & IT. Previously she worked as a Partner at Law Office Bahar Tumbelaka & Partner. He holds MBA degree from Royal Melbourne Institute of Technology. reliabilitas yang dapat diandalkan serta menjamin kelancaran komunikasi dari pihak user sesuai kebutuhan. Sejak bergabung dengan PT Bank Niaga Tbk tahun 1983. prosedur) intern bank tunduk dan selaras dengan peraturan dan regulasi ekstern yang terkait (Bank Indonesia dan lembaga/otoritas keuangan lainnya). 50 tahun. Head of Corporate Legal Group. Australia. and in line with the relevant external regulations and authorities (Bank Indonesia and other financial authorities/bodies). He has attended several executive education programs in University of Michigan Business School. procedures) are in accordance. systems. Beliau meraih gelar MBA dari Royal Melbourne Institute of Technology. dan juga sebagai Legal Advisor di PT Bank Niaga Tbk untuk Special Asset Management Group tahun 2000. beliau pernah menjabat berbagai posisi yaitu sebagai Information System Development Group Head dan IT Operations Group Head. Direktur Kepatuhan. Head of Corporate Legal Group and Head of Corporate Affairs. Sebelumnya beliau pernah menjabat Head of IT & Systems dan Head of Operations & IT. sistem maupun proses kerja operasional transaksi cabang untuk menjamin pengelolaan transaksi operasional perbankan dengan baik sesuai standar mutu. Karir perbankan beliau dimulai tahun 1989 sebagai legal officer di Bank Central Asia. Her career in banking started in 1989 as Legal Officer in Bank Central Asia. Bank CIMB Niaga Annual Report 2009 289 . then Head of Legal Division. dan Harvard Business School. Australia. Head of Legal Division. in addition to her position as Legal Advisor in PT Bank Niaga Tbk for Special Asset Management Group in 2000. Sebelumnya beliau bekerja sebagai Partner di Kantor Konsultan Hukum Bahar Tumbelaka & Partners. and branch transactional operation work process to ensure banking operations management is in accordance with accepted quality standard. memiliki aplikabilitas. 46 tahun. Director Indonesian citizen. Compliance. Main Responsibility: Executing direction and establishing relevant policies in implementation of Good Corporate Governance as well as ensuring all internal regulations (policies. Beliau telah mengikuti beberapa program pendidikan eksekutif. Lydia Wulan Tumbelaka Direktur Warga Negara Indonesia. Operations & IT Director of PT Bank CIMB Niaga Tbk since 1 November 2008. systems. She later joined PT Bank Niaga Tbk starting as Consumer Marketing Officer. Corporate Affairs and Legal Director of PT Bank CIMB Niaga Tbk since December 2008. Additionally she is responsibility for managing all aspects of legal risk. Beliau meraih gelar Sarjana di bidang Hukum dari Universitas Indonesia. he has assumed various positions such as Information System Development Group Head and IT Operations Group Head. age 46. sistem. Director Indonesian citizen.

Responsible for sales target achievement set by the company and providing direction for sales force persons in the field. Retail Banking Director PT Bank CIMB Niaga Tbk since 2 March 2009. consumer liability. From 2005 to 2008. and Managing Partner in PT Bina Analisindo Semesta. serta Managing Partner di PT Bina Analisindo Semesta.Jawa Barat di PT Bank Lippo Tbk. Director Sales Distribution and Syariah Banking PT Bank CIMB Niaga Tbk since 4 June 2009. private banking. Ferdy Sutrisno Direktur Warga Negara Indonesia. consumer liability. Leads sales force personnel in penetrating the market and creating opportunities to optimize sales of products.A. Wealth Management & Automotive business since 1 November 2008. Sebelumnya beliau menjabat Regional Manager . USA. Los Angeles. Beliau pernah menjabat sebagai Head of Sales & Distribution sejak 1 November 2008.Profile Direksi Profile of the Directors Suhaimin Djohan Direktur Warga Negara Indonesia. Sejak tahun 2005-2008. autobusiness. USA. melalui pengembangan bisnis consumer finance. Beliau meraih Professional Award in Accounting – CPA dari University of California. He received a Professional Award in Accounting – CPA from University of California. wealth management. Regional Head Jawa Barat di Bank Bahari. Previously he served as Regional Manager – West Java at PT bank Lippo Tbk. age 43. and an MBA degree in Finance from Northrop University. Sebelumnya beliau pernah menjabat sebagai Vice President. wealth management. He holds a Bachelor degree from Bogor Institute of Agriculture. Consumer Finance Head di Citibank N. Mengelola fungsi pelayanan nasabah di cabang dan menerapkan budaya layanan yang sesuai dengan nilai-nilai perusahaan. West Java Regional Head at Bank Bahari. Consumer Finance Head at Citibank N. Director Indonesian citizen. dan gelar MBA di bidang keuangan dari Northrop University. GM/ Marketing Manager di Multipro Adiguna Semesta. Main Responsibility: Optimizing market potential through the development of competitive retail products to achieve profitability objective set by the company. He also served as Finance Director at PT Citragraha Nugratama. and Branch Manager at Astra Credit Companies. Providing business strategy for retail segments through the development of consumer finance business. Los Angeles. Director Indonesian citizen. Tugas Utama: Mengoptimalkan potensi pasar melalui pengembangan produk-produk retail yang kompetitif guna mencapai sasaran profit yang ditetapkan perusahaan. age 55. dan mortgage banking. Los Angeles.. private banking. Mengelola dan mengembangkan bisnis kartu kredit dan alternate channel. dan merangkap sebagai Head of Mortgage Business. which have been developed by the Company. Direktur Retail Banking PT Bank CIMB Niaga Tbk sejak 2 Maret 2009. including CIMB Niaga Syariah business unit. Beliau meraih gelar Bachelor of Arts dari University of Toronto. and Head of Mortgage Business. Beliau meraih gelar Sarjana dari Institut Pertanian Bogor. and mortgage banking. GM/Marketing Manager at Multipro Adiguna Semesta. Beliau pernah menjabat sebagai Head of Consumer Liability. Los Angeles.. Head of Sales & Distribution since 1 November 2008. autobusiness. Canada. Main Responsibility: Developing strategy for product selling and crossselling activities in all branches throughout Indonesia. Managing and developing credit card business and alternate channel. USA. Previously he served as Vice President. Direktur Sales Distribution and Syariah Banking PT Bank CIMB Niaga Tbk sejak 4 Juni 2009. Head of Consumer Liability. beliau menjabat sebagai Head of Consumer Banking dan Consumer Finance Group Head di PT Bank Lippo Tbk. Managing customer service function in the branch and implementing service culture in accordance with the company’s values.A. dan Branch Manager di Astra Credit Companies. Beliau juga pernah menjabat Direktur Keuangan di PT Citragraha Nugratama. USA. he served as Head of Consumer Banking and Consumer Finance Group Head at PT Bank Lippo Tbk. Menyusun strategi bisnis dalam segmen ritel. Canada. Tugas Utama: Mengembangkan strategi dalam penjualan produk dan cross-selling di cabang seluruh Indonesia termasuk unit usaha syariah CIMB Niaga. Bertanggung jawab terhadap pencapaian target penjualan yang telah ditetapkan oleh perusahaan dan memberikan arahan kepada para tenaga penjual di lapangan. 290 Bank CIMB Niaga Laporan Tahunan 2009 . Memimpin tenaga penjualan dalam melakukan penetrasi pasar dan membuka peluang untuk mengoptimalkan penjualan produk-produk yang telah dikembangkan perusahaan. 43 tahun. He holds a Bachelor of Arts degree from University of Toronto. Wealth Management & Automotive Business sejak 1 November 2008. 55 tahun.

information technology. Sebelumnya beliau menjabat Direktur Operations and Information Technology di PT Bank Internasional Indonesia Tbk sejak 2007. operations. Phoenix. age 48. Menyusun langkah-langkah dalam mengoptimalkan potensi sumber daya manusia dan mencapai tingkat produktivitas yang diharapkan. Beliau juga pernah menjabat sebagai Direktur PT Kustodian Sentral Efek Indonesia tahun 1998. Arizona.Introduction Key Message Planning & Strategy Financial Performance Business & Operations Report Corporate Governance Social Responsibility Shareholders’ Information Corporate Data Rita Mas’Oen Direktur Warga Negara Indonesia. Direktur Sumber Daya Manusia PT Bank CIMB Niaga Tbk sejak Agustus 2009. Menetapkan kebijakan SDM sesuai dengan regulasi ketenagakerjaan dan memastikan perlakuan perusahaan yang setara berbasis kinerja bagi karyawan. Previously she served as Director of Operations and Information Technology in PT Bank Internasional Indonesia Tbk in 2007. account management. operations. Main Responsibility: Developing human resources strategy to support achievement of the Company’s business objectives. and network. Chief Operations Officer and member of the Board of Commissioners of PT Wahana Ottomitra Multiartha Tbk from 2005-2007. cash and trade product development & management. custody business management. information technology. sales. 48 tahun. Her last position with Citigroup Indonesia was Director. USA Director Indonesian citizen. USA Tugas Utama: Mengembangkan strategi SDM dalam upaya mendukung pencapaian sasaran kerja perusahaan. dan network. She was also Director of PT Kustodian Sentral Efek Indonesia in 1998. quality. Arizona. Beliau meraih gelar Bachelor of Science di bidang Computer Science dari Arizona State University. Chief Operations Officer dan anggota Dewan Komisaris di PT Wahana Ottomitra Multiartha Tbk sejak 2005-2009. quality. She began her career in the banking industry with Citigroup Indonesia in 1985 where she held various positions covering marketing. Karir beliau di perbankan dimulai sejak bergabung dengan Citigroup Indonesia pada tahun 1985 dimana beliau menjabat beberapa posisi termasuk marketing. Bank CIMB Niaga Annual Report 2009 291 . Senior Country Operations Officer (Operations & Technology). Providing actions to improve human resources potential and to achieve appropriate level of productivity. Setting human resources policies in accordance with the prevailing employment regulation and ensuring the Company’s equal acts based on employee’s performance appraisal. account management. sales. cash and trade product development & management. She holds a Bachelor of Science degree in Computer Science from Arizona State University. Posisi terakhir di Citigroup Indonesia sebagai Direktur. Senior Country Operations Officer (Operations & Technology). Phoenix. custody business manager. Human Resources Director since August 2009.

Cairo. Pada periode 1982-2002. Saat ini Beliau bertugas sebagai Dosen (Guru Besar) Pasca Sarjana di Universitas Islam Negeri (UIN) Syarif Hidayatullah. 1985-1998. Majelis Ulama Indonesia. beliau juga pernah menjabat sebagai Duta Besar RI untuk Republik Arab. M. He holds Bachelor. Vice Chairman of the Syariah Supervisory Board of PT Bank CIMB Niaga Tbk since 19 December 2008. He holds a Bachelor degree in Islamic Syariah from Institut Agama Islam Negeri. Ministry of Religion Affairs RI. and Head of UIN Syarif Hidayatullah. Quraish Shihab. 1992-1999. Mesir. Cairo. gelar Master dan Doktor di bidang Ushululfiqh Perbandingan dari Universitas Al-Azhar. Jakarta since 1991. dan Doktor dari Universitas Al-Azhar Cairo. Beliau juga pernah menjabat Ketua Majelis Ulama Indonesia (Pusat) tahun 19851998. Egypt. 292 Bank CIMB Niaga Laporan Tahunan 2009 . Masters and Doctorate degrees from AlAzhar University. he was a member of People’s Advisory Assembly Republic of Indonesia (MPR-RI). Palembang. Ketua Dewan Pengawas Syariah Bank Internasional Indonesia. Sejak 1989 beliau termasuk dalam anggota Pentashih Al-Quran Departemen Agama RI. beliau merupakan anggota MPR-RI. Wakil Ketua Dewan Pengawas Syariah PT Bank CIMB Niaga Tbk sejak 19 Desember 2008. Sebelumnya. In the period of 1982-2002. 1992-1998. Mesir. Chairman Indonesian citizen. He also served as Chairman of Majelis Ulama Indonesia (Head Office). Institut Ilmu Al-Quran. Ketua Dewan Pengawas Syariah PT Bank CIMB Niaga Tbk sejak 2004. Beliau juga menjabat Direktur Pusat Studi Al-Quran. M. Dr. age 66. dan Jibuti. Chairman of the Syariah Supervisory Board of Bank International Indonesia. dan Rektor UIN Syarif Hidayatullah. Chairman of the Syariah Supervisory Board of PT Bank CIMB Niaga Tbk since 2004. He also works as a Lecturer of Ushulufiqh at the Syariah Faculty. MA Wakil Ketua Warga Negara Indonesia. Chairman of Pertimbangan Badan Wakaf Indonesia. Vice Chairman of the National Executive Syariah Board (Syariah Bank and Syariah Financial Institution) Majelis Ulama Indonesia (Head Office). serta anggota Dewan Syariah Bank Muamalat Indonesia. Currently he serves as Chairman of Fatwa Commission. he was a member of Imenent Person Group – Indonesia Malaysia.Profil Dewan Pengawas Syariah Profile of the Syariah Supervisory Board Prof. Beliau meraih gelar Sarjana di bidang Syariah Islam dari Institut Agama Islam Negeri. Vice Chairman Indonesian citizen. Currently he serves as Postgraduate Lecturer of Universitas Islam Negeri (UIN) Syarif Hidayatullah. Mesir. Chairman of the Syariah Supervisory Board of Prudential Insurance. 19921998. Cairo. as the Minister for Religious Affairs in 1998. Jakarta sejak 1991. and as a member of Syariah Board of Bank Muamalat Indonesia. Ketua Dewan Pengawas Syariah Asuransi Prudential. 68 tahun. Beliau juga berprofesi sebagai Dosen Ushululfiqh pada Fakultas Syariah Institut Ilmu Alquran. Sebelumnya beliau menjabat Ketua Dewan Pengawas Syariah LBSalam sejak Oktober 2007. anggota Imenent Person Group – Indonesia Malaysia. Beliau meraih gelar Sarjana. 66 tahun. Jakarta. Since 1989 he has been a member of Pentashih Al-Quran. dan Wakil Ketua Pelaksana Harian Dewan Syariah Nasional (Perbankan Syariah dan Pegadaian) Majelis Ulama Indonesia Pusat. sebagai Menteri Agama RI pada tahun 1998. MA Ketua Warga Negara Indonesia. Dr. Egypt. He also serves as Director of Al-Quran Study Centre. Master and Doctorate degrees in Ushulufiqh Comparison from Al-Azhar University. Jakarta. 19921999. age 68. Palembang. Egypt and Djibouti. Master. Anwar Ibrahim. Previously he served as Indonesia’s Ambassador to Saudi Arabia. Ketua Pertimbangan Badan Wakaf Indonesia. Previously he served as Chairman of the Syariah Supervisory Board of LBSalam since October 2007. Saat ini beliau menjabat Ketua Komisi Fatwa Majelis Ulama Indonesia.

and Doctorate degree in Comparison Fiqh from Al-Azhar University. In 2007 she received an award of “Development in Science of Islamic Syariah” from Eramuslim. anggota Masyarakat Ekonomi Syariah. Saat ini beliau menjabat sebagai Guru Besar Penuh di Fakultas Syariah dan Hukum UIN Syarif Hidayatullah. Member Indonesian citizen. Chairperson of the Syariah Supervisory Board of AXA Insurance. and Member of the Syariah Supervisory Board Takaful Indonesia. age 49. member of the Economic Syariah Community. Prior to those positions he also served as Chairman of Dompet Dhuafa Syariah Board. Currently also serves as Member of the Syariah Supervisory Board PT Equity Finance – Syariah Branch. Member of Commissioner in PT SAGA Paripurna. Member of the Syariah Supervisory Board of PT Bank CIMB Niaga Tbk since 19 December 2008. Yanggo. EC Anggota Warga Negara Indonesia. member of Syariah Insurance Association. He also serves as Director of Ahmad Dahlan School of Economics. Lc. dan gelar S2 diperoleh dari Arab Academy for Banking and Financial Science Yordania di bidang Perbankan Islam. Pada tahun 2007 beliau mendapatkan penghargaan “Kepedulian atas Pengembangan Ilmu Syariah Islam” dari Eramuslim. Universitas Indonesia. Egypt. beliau menjadi guru dan pengajar sejak 1986. Member Indonesian citizen. He holds a Bachelor degree in Syariah from University of Jordan. Bank CIMB Niaga Annual Report 2009 293 . and Professor in Graduate Program. Sebelumnya beliau menjabat sebagai Ketua Dewan Syariah Dompet Dhuafa. Member of the Syariah Supervisory Board of PT Bank CIMB Niaga Tbk since 2004. In academic field. anggota Syariah Insurance Association. dan Pengajar Senior di Institut Manajemen Zakat. serta Profesor Program Pasca Sarjana di Universitas Indonesia. MA Anggota Warga Negara Indonesia. Prof. Menyelesaikan gelar Sarjana dari University of Yordania di bidang Syariah. Previously served as Member of the Syariah Supervisory Board LBSalam since April 2008. Previously he served as a member of the Syariah Supervisory Board of LBSalam since October 2007. He holds a Bachelor and Master degrees in Syariah and Doctorate degree in Theory of Islamic Law from UIN Syarif Hidayatullah. Di bidang akademisi. dan anggota Dewan Pengawas Syariah Takaful Indonesia. Dipl. Ketua MUI Pusat bidang Pengkajian dan Pengembangan. 49 tahun. Vice Chairman of Fatwa Commission MUI. Taufik Ridlo. Anggota Komisaris di PT SAGA Paripurna. Direktur di SEBI Consulting dan di International Institute for Islamic Finance (IIIF) Jakarta Branch. Sebelumnya menjabat sebagai Anggota Dewan Pengawas Syariah LBSalam sejak April 2008. Member Indonesian citizen. age 63. She also serves as Chairperson of the Syariah Supervisory Board of Great Eastern Insurance. member of National Syariah Board of MUI. Saat ini beliau juga menjabat sebagai Wakil Ketua Dewan Syariah Nasional Majelis Ulama Indonesia. M. anggota Dewan Syariah Nasional MUI. 63 tahun. Currently she serves as Professor (full) in Syariah and Law Faculty UIN Syarif Hidayatullah. cabang Syariah. Cairo. Ketua Dewan Pengawas Syariah Asuransi AXA. 44 tahun. Director at International Institute for Islamic Finance (IIIF) Jakarta Branch. Anggota Dewan Pengawas Syariah PT Bank CIMB Niaga Tbk sejak 19 Desember 2008. Jakarta. Dr. Beliau juga menjabat sebagai Direktur Sekolah Ekonomi Ahmad Dahlan. he has serves as a teacher and lecturer since 1986. Majelis Ulama Indonesia. Wakil Ketua Komisi Fatwa MUI. Professor in UIN Syarif Hidayatullah. Mesir. Menjabat sebagai Anggota Dewan Pengawas Syariah PT Bank CIMB Niaga Tbk sejak 19 Desember 2008. Dr. Huzaemah T. Member of the Syariah Supervisory Board of PT Asuransi Tokyo Marine – Syariah Branch and as Senior Lecturer at Zakat Management Institute. and Director for Graduate Program Institute Ilmu Al-Quran. Director at SEBI Consulting. She holds a Master degree in Science of Fiqh and Fiqh Ushul. Serves as Member of the Syariah Supervisory Board PT Bank CIMB Niaga Tbk since 19 December 2008. Beliau meraih gelar Master di bidang Ilmu Fiqh dan Ushul Fiqh. Concurrently he serves as Vice Chairman of National Syariah Board. Jordan. serta Doktor di bidang Fiqh Perbandingan dari Universitas Al-Azhar Cairo. serta Direktur Pasca Sarjana Institut Ilmu Al-Quran. Chairperson in MUI Review and Development. Fathurrahman Djamil. Sebelumnya menjabat Anggota Dewan Pengawas Syariah LBSalam sejak Oktober 2007. and a Master degree from the Arab Academy for Banking and Financial Science in Islamic Banking. Jakarta. Profesor di UIN Syarif Hidayatullah. MA Anggota Warga Negara Indonesia. Beliau juga menjabat Ketua Dewan Pengawas Syariah Asuransi Great Eastern. Beliau meraih gelar Sarjana dan Master di bidang Syariah dan gelar Doktor di bidang Teori Hukum Islam dari UIN Syarif Hidayatullah. Anggota Dewan Pengawas Syariah PT Bank CIMB Niaga sejak tahun 2004.Introduction Key Message Planning & Strategy Financial Performance Business & Operations Report Corporate Governance Social Responsibility Shareholders’ Information Corporate Data Prof. Anggota DPS PT Asuransi Tokyo Marine. age 44. Saat ini beliau juga menjabat sebagai Anggota Dewan Pengawas Syariah PT Equity Finance cabang Syariah.

Hawaii. USA. Head of Corporate Affairs and Head of Investor Relations of PT Bank CIMB Niaga Tbk. 55 tahun. Previously he has worked for several companies as Corporate Secretary in PT Telekomunikasi Indonesia Tbk. Since joining Bank Niaga in 1981. PT Bank CIMB Niaga Tbk Executive is all senior staffs. Jakarta Network & Services Area Manager. 2005-2006. which mentioned in the following Organization Structure as of 1 February 2010. He holds a Bachelor’s degree in International Trade and Finance from Chaminade University. Manila. Sebelumnya. Manila. Beliau meraih gelar Magister Management dari Asian Institute of Management. He holds Magister Management degree from Asian Institute of Management. beliau menjabat sebagai Chief Audit Executive di PT Bank Niaga Tbk sejak Mei 2007. 1997-2000. 2006-2009. beliau pernah menjabat sebagai Manajer Jakarta Operations Area. Brussels. 2000-2005. Previously he had served as Chief Audit Executive of PT Bank Niaga Tbk since May 2007. Brussels. Philippines. Corporate Secretary Indonesia citizen. 20052006. age 55. and PT Bank CIC Tbk. Sebelumnya beliau menjabat posisi Sekretaris Perusahaan di beberapa perusahaan seperti PT Telekomunikasi Indonesia Tbk. Beliau juga telah mengikuti Executive Management Development Program dari IPMI (Harvard/INSEAD). 2006-2009. PT Bumiputera Indonesia Tbk. and holds a Master of Science degree in Management from Boston University. dan gelar Master di bidang Manajemen dari Boston University. he had served as Jakarta Operations Area Manager. 2000-2005. Beliau meraih gelar Bachelor degree di bidang Perdagangan Internasional dan Keuangan dari Chaminade University. Hawaii. Sejak bergabung di Bank Niaga tahun 1981. Manajer Jakarta Network & Services Area. Sekretaris Perusahaan PT Bank CIMB Niaga Tbk sejak Februari 2009. He also served as General Manager Business Development of PT Surveyor Indonesia.Profil Sekretaris Perusahaan dan Chief Audit Executive Profile of Corporate Secretary and Chief Audit Executive Harsya Denny Suryo Sekretaris Perusahaan Warga Negara Indonesia. PT Bumiputera Indonesia Tbk. 49 tahun. dan PT Bank CIC Tbk. He has also attended the Executive Management Development Program from IPMI (Harvard/INSEAD). Suhardianto Chief Audit Executive Warga Negara Indonesia. age 49. Chief Audit Executive PT Bank CIMB Niaga Tbk sejak 1 November 2008. 1997-2000. and several other key positions within the company. yang juga merangkap jabatan sebagai Head of Corporate Affairs dan Head of Investor Relations PT Bank CIMB Niaga Tbk. Beliau juga pernah menjabat General Manager Pengembangan Usaha PT Surveyor Indonesia. Belgium. serta jabatan penting lainnya. 294 Bank CIMB Niaga Laporan Tahunan 2009 . Corporate Secretary of PT Bank CIMB Niaga Tbk since February 2009. Filipina. Pejabat PT Bank CIMB Niaga Tbk (1 Februari 2010) PT Bank CIMB Niaga Tbk Executive (1 February 2010) Pejabat PT Bank CIMB Niaga Tbk adalah seluruh karyawan senior PT Bank CIMB Niaga Tbk yang namanya tertera di Struktur Organisasi Perusahaan per 1 Februari 2010. Chief Audit Executive Indonesian citizen. USA. Belgia. Chief Audit Executive of PT Bank CIMB Niaga Tbk since 1 November 2008.

Wulan Tumbelaka CCS HEAD Arwin Rasyid* Bank CIMB Niaga Annual Report 2009 Social Responsibility Shareholders’ Information Corporate Data * Jabat Rangkap / Concurrent Posting TRANSACTION BANKING HEAD W.Struktur Organisasi Organization Structure Effective per 1 February 2010 Remuneration & Nomination Committee Arwin Rasyid* President Director Board of Commissioners Risk Monitoring Committee Audit Committee Chief Audit Executive Suhardianto Introduction Key Message Planning & Strategy D. CORPORATE AFFAIRS & LEGAL DIRECTOR L. James Rompas* OPERATION & IT DIRECTOR Paul S. Adji Wibowo 295 . James Rompas* Vice President Director Catherine Hadiman* Vice President Director Financial Performance Business & Operations Report Corporate Governance SALES DISTRIBUTION & SYARIAH DIRECTOR Ferdy Sutrisno STRATEGY & FINANCE DIRECTOR Wan Razly A. CORPORATE BANKING DIRECTOR Catherine Hadiman* RETAIL BANKING DIRECTOR Suhaimin Djohan CREDIT & RISK MANAGEMENT DIRECTOR D. Fadzil HUMAN RESOURCES DIRECTOR Rita Mas’Oen COMPLIANCE. Hasjim BUSINESS BANKING DIRECTOR Handoyo Soebali TREASURY & CAPITAL MARKET DIRECTOR M.

Jahja TRANSACTION BANKING W. Lubis TCB & TALENT MANAGEMENT Jose Ginting* LEARNING OPERATION C. Inak (Coordinator) . AFFAIRS/ CORP. System Audit Treasury & Capital Market Rita Mas’Oen L. Poluan INDUSTRIAL & EMPLOYEE RELATIONS R. SECRETARY Harsya Denny Suryo* CORPORATE CLIENT SOLUTION I Ridwan S. SYARIAH & RETAIL BANKING Ani Pangestu LEARNING PROGRAM DEVELOPMENT Jose Ginting* INVESTOR RELATIONS Harsya Denny Suryo* CORPORATE CLIENT SOLUTION II TBA TRANSACTION BANKING SALES TBA FUNDING & LIQUIDITY MANAGEMENT Aulia Mochtar OPERATION & ADM Joko Mediantoro COMPENSATION & BENEFIT Daniswara Hadimurti* ORGANIZATION DEVELOPMENT Intan Fadhila HR POLICY & COMMUNICATION Maria D.* Human Resources Compliance. FX. Adjie Wibowo CORPORATE SALES Emil Pense HRIS/ESS & HELPDESK Junita Sibarani PERFORMANCE MANAGEMENT Luthfi Noviady HR PLANNING & BUDGETING Sofi Yuliani INTEREST RATE MARKET MAKING Ari Priyatna HRBP for S&D. Harry Susanto TALENT SUPPLY/ RECRUITMENT Lisna Arryani HR QUALITY ASSURANCE Dwiana Nartanti (Coordinator) HRBP for CREDIT & RM & OIT Wahyuningsih CORPORATE COMMUNICATION Dina Sutadi CORPORATE CLIENT SOLUTION III Junita Wangsadinata SERVICE DELIVERY Jung Lie ASSET LIABILITY MANAGEMENT Raymond Das HRBP for CORP. Fatimah SUMATERA AREA HR Ukurta Sembiring * Jabat Rangkap / Concurrent Posting ** Akan memulai menjabat 22 Februari 2010/ Incumbent to join 22 Feb 2010 *** Pejabat Sementara / Caretaker : Jose Ginting COMPLIANCE MANAGEMENT Liston Siahaan INDTIM AREA HR Fauzan O. Rahman Bank CIMB Niaga Laporan Tahunan 2009 Vice President Director Catherine Hadiman Audit Methodology & Support Vice President Director Akhmad Kusaeri Opr. Corporate Affairs & Legal Corporate Client Solution Arwin Rasyid* SALES & RISK ANALYTICS Mohamed Fadzil S. James Rompas Zakaria A. & Inf. Sutji K. BB & FINANCE & STRATEGY IGAM Noviyanti CORPORATE SERVICES Gatot Subagio CASH MANAGEMENT PRODUCT Amir Mirza BUSINESS LEGAL & LITIGATION TBA TRADE FINANCE PRODUCT Djoko Sutikno HRBP for OTHER BUSINESS UNIT Juri Sripuspita JABAR AREA HR Lysse Nurpryatnawati CORPORATE LITIGATION Dewi Pandamsari BUSINESS STRATEGY & SUPPORT Chandra Hendriawan JATIM AREA HR Marthin Rul BUSINESS LEGAL TBA JATENG AREA HR Mudiyantomo CORPORATE LEGAL Rina S. Audit Suhardianto D.* HR SERVICE CENTER TBA ** HR STRATEGY & PLANNING Awaldi TRADING John Simon HR BUSINESS PARTNER Ani Pangestu HR REWARDS & PERFORMANCE Daniswara Hadimurti* (Coordinator) LEARNING & CAPABILITY DEVELOPMENT TBA *** CORP.. Wulan Tumbelaka Mohamed Fadzil S. Inggarsari LEARNING POLICIES & EVALUATION Lila A.Struktur Organisasi Organization Structure Effective per 1 February 2010 296 Arwin Rasyid* TBA President Director Business Audit Chief Audit Executive Ferdi Rindhatmono Treasury & Head Off.

Stefanus Christdiantono CREDIT RISK ANALYTICS & MONITORING Caroline Halim CALL CENTER Siti Hasnah BUSS BKG AND S&D CREDIT REVIEW EAST Ervin Gumilar OPERATIONS POLICY & PROCEDURE Maya Indreswari (Coordinator) IT PLANNING & ARCH. CREDIT POLICY & PROCEDURE Aki H. LIABILITY & SEGMENT Merci Santi Adriani* OPERATIONS. COLLECTION & RISK CONTROL Boedhijanto ATM . NATIONAL OPR. Hufat CARD. WEST Agus Pasaribu CREDIT PROCESSING CTR Paulus M. Suherman Lesmana REGIONAL OPR. James Rompas* Retail Banking Credit & Risk Management Operations & IT Paul S. POLICY PROCEDURE Rahardjo S.Struktur Organisasi Organization Structure Effective per 1 February 2010 Arwin Rasyid President Director D. Simanjuntak AUTOMOTIVE BUSINESS-INDIRECT Sonny Sonjaya (Coordinator) ENTERPRISE RISK MANAGEMENT TBA BUSINESS LOAN WORKOUT III Arief Danardono SYSTEM OPERATION & ASSURANCE Suhendi Muharam REGIONAL OPR. Sudradjat BANCASSURANCE BUSINESS Merci Santi Adriani* BUSINESS LOAN WORKOUT II Ridwan W. Rasoebala BUSS BKG AND S&D CREDIT REVIEW WEST REGION WEST Benyamin M. BANK QUALITY ASSURANCE Kristiana Hardiyati INTGR. Julianto MERCHANT BUSINESS DEV. JABODETABEK Fran Seda BANKWIDE PROCESSING CTR Pierre Hewarlela Introduction Key Message Planning & Strategy CONS. Bambang Karsono Adi INTERNET & MOBILE BANKING . MGT. 31 Desember 2010 / temporary posting until 31 December 2010 297 . Welianto Halim REGIONAL OPR. NATIONAL OPR. JATENG Ade Chairullah OPERATIONS INTEGRATION Yuri Yudistira NATIONAL SALES Ayu C. Tobing BUSINESS LOAN WORKOUT I FB. Unggul INFORMATION TECHNOLOGY TBA NATIONAL OPERATIONS Migi Trisnadi STRATEGIC & CENTRALIZED OPERATIONS Bambang Ratmanto CL SPECIALIST & SALES SUPPORT Daria F.SALES & PRODUCT DEV.L. DEV Suharto Suleh MARKET RISK MANAGEMENT Sasi Komanthakkai* CORPORATE CREDIT REVIEW Retno Hestiati OPERATIONAL RISK MANAGEMENT Junita S. Parwoto IT SYSTEM DEVELOPMENT Andreas Tedja IT DELIVERY & SERVICES Sigit Arnanto REGIONAL OPR. James Rompas* Vice President Director Suhaimin Djohan D. SUPPORT II Usman Gumantik RECOVERY LITIGATION Utami Tjipto (Coordinator) Bank CIMB Niaga Annual Report 2009 Social Responsibility Shareholders’ Information Corporate Data * Jabatan Rangkap / Concurrent Posting ** Penugasan sementara s.d. JATIM & INDTIM Noor Aidlon Financial Performance Business & Operations Report Corporate Governance PEMEGANG LIMIT INDEPENDEN Bambang Priyonohadi (Coordinator) SASEKA GELORA FINANCE RETAIL & MICRO LOAN WORKOUT Lugtyastiti B. SUPPORT I Yoga Sadana KITAF ASSET DISPOSAL Benny Aryasetiawan INTGR. LIABILITY BUSINESS Merci Santi Adriani* CREDIT REVIEW Damianus l. Rawung CARD BUSINESS DEV. Cahyo Nugroho** RETAIL & SME CREDIT POLICY & PROCEDURE Adi Prasetyo (Coordinator) CORPORATE & HIGH END LOAN WORKOUT Mahendra Wardhana* COMM.SALES & PROD. Hasjim CONS. MERCHANT & E-CHANNEL BUSINESS Budiman Poedjirahardjo RISK MANAGEMENT Sasi Komanthakkai* ASSET RESTRUCTURING & RECOVERY Mahendra Wardhana* CREDIT & OPR.

TBA** SYARIAH BANKING U. James Rompas* Vice President Director Sales Distribution & Syariah Ferdy Sutrisno* CONSUMER LENDING Laksmi Mustikaningrat PREFERRED. BANKING PRODUCT MGT. & SYARIAH ADVISORY TBA JAKARTA CENTRAL AREA Evita Barliana (Cordinator) SUMATERA AREA Maya Sartika SERVICE QUALITY Dwiyono Bayu (Coordinator) PERFORMANCE MANAGEMENT TBA JAKARTA 2 MORTGAGE SALES AREA Sylvana Maureen (Coordinator) INDTIM AREA Rahmat Haris JAKARTA II SME AREA Reza A. Syaifitri CIMB PREFERRED TBA WEALTH MANAGEMENT TBA JATIM & JATENG SME AREA Hengky Taner (Coordinator) JAKARTA DOWNTOWN AREA Susiyanti (Cordinator) JABAR AREA Bambang Sambada SYARIAH CONSUMER & BUSS. & INVESTMENT BANKING PRODUCT MGT. TBA BRANCH NETWORK DEVELOPMENT Kusmanto JATENG & JATIMMORTGAGE SALES AREA Ekowati Setyambodo JAKARTA WEST AREA Hanny Librata JATENG AREA Trisno A. Mariadi Aryolaksmono CORP.298 Struktur Organisasi Organization Structure Effective per 1 February 2010 Arwin Rasyid President Director Bank CIMB Niaga Laporan Tahunan 2009 D. Nugroho (Coordinator) SUMATERA MORTGAGE SALES AREA Katerina Yasin (Coordinator) JABAR SME AREA Yonda Risdon INDTIM SME AREA TBA JAKARTA SOUTH AREA Enny Yuliastuti SYARIAH SALES & DISTRIBUTION Drajat Tjahjono JABAR MORTGAGE SALES AREA TBA JAKARTA EAST AREA Taufik Manan INDTIM MORTGAGE SALES AREA TBA SUMATERA SME AREA TBA AUTO LOAN & CBP AREA Abianti Riana * Jabat Rangkap / Concurrent Posting . Syaefudin Noer FUNDING BANCASSURANCE & SERVICE I Ferdy Sutrisno FUNDING BANCASSURANCE & SERVICE II Diah Paramaiswari FUNDING BANCASSURANCE & SERVICE III M. PRIVATE & WEALTH MGT. Shanti JATIM AREA Arief Wicaksono PRIVATE BANKING Nyta S. Pudjiono Santoso SMALL & MEDIUM ENTERPRISE Sih Dianto (Coordinator) SERVICE QUALITY & NETWORK DEV. Julia (Coordinator) JAKARTA I & LAMPUNG SME AREA Hilman Basuki BUSINESS DEV. Sahrun (Coordinator) JAKARTA 1 MORTGAGE SALES AREA Indrani P.

Saptono Suryo MIS. COST MGT.P. Nangtjik Financial Performance Business & Operations Report Corporate Governance CORP.Arwin Rasyid President Director Effective per 1 February 2010 Struktur Organisasi Organization Structure Catherine Hadiman* Vice President Director Wan Razly Abdullah Strategy & Finance Catherine Hadiman* Handoyo Soebali Corporate Banking Business Banking VICE CFO Faisal Dharmasetiawan GOVERNMENT RELATION & SALES FUNDING Ikky Dermabudiman SECURITIES SERVICES Agus Susanto* HIGH END JAKARTA & JABAR Ferry O. SUMATERA & INDTIM Ign. PLANNING & STRATEGY Azri Zaharuddin LOCAL CORPORATE IV Maju P. Edyson Makmur CORPORATE BANKING II M. Djajanegara* JATENG HIGH END C. BANKING BUSS. Sugiarto FINANCIAL SUPPORT Diana Nurdin CORPORATE FUNDING SALES TBA GLOBAL BANKING Dandung Widyanto CUSTODY & TRUSTEE SERVICES Bambang Permadi JAKARTA 2 HIGH END Dody Hasril LOCAL CORPORATE I Sadewo P. Epidaryanto LENDING PRODUCT SPECIALIST I Taufik Budiman* SPECIAL LENDING WEST Rakhmad Nur Indra Introduction Key Message Planning & Strategy BUDGET. Ninik Martini LENDING PRODUCT SPECIALIST II Tito Sudarto SPECIAL LENDING EAST A. Moeis FINANCE & ACCOUNTING Deddy E. Moeis* CENTRAL PROCRMT & PROPERTY SERV. JATIM. OPERATIONS & DEVELOPMENT TBA CORP. Mantiri FINANCIAL INSTITUTION & CORPORATE SYNDICATION Rizki P. Sitohang JAKARTA FUNDING Catrin Susanti PERSONAL LOAN BUSINESS TBA Bank CIMB Niaga Annual Report 2009 STATE OWNED & INFRASTRUCTURE Resti Pramestuti RISK. Koeswidyantoro SPECIAL LENDING & MICRO FINANCE Firman A. Djajanegara* GLOBAL CORPORATE INDONESIA Indra Y. Utomo SUMATERA HIGH END R. DEV. Noer Qomari JABAR HIGH END Koerniawan Prijambodo INDTIM HIGH END Priyono BUSINESS STRATEGIC & PERFORMANCE MGT. Hasan HIGH END JATENG. & FINANCIAL REPORTING TBA CREDIT ANALYSIS Asikin Tijang SETTLEMENT BANK SERVICES Erwina Wigneswara LOCAL CORPORATE II Pandji P. Ridwan GOVERNMENT FUNDING SALES Novidawati (Coordinator) JAKARTA 1 HIGH END Hendri Yonatan INT’L CLEARING & DOMESTIC NETWORK SERVICES Erwan Darmamulya SECURITIES & CUSTODY OPERATIONS Agus Susanto* CORPORATE BANKING I Pandji P. & PERFORMANCE MANAGEMENT Selvy Gunawan LOCAL CORPORATE III & MNC Frederick Tjokro JAKARTA 3 HIGH END TBA JATIM HIGH END Achmadi LIABILITIES & PAYMENT PRODUCT SPECIALIST Yuli Rahmaasih MICRO FINANCE WEST Firman A. Hadi Sudarso (Coordinator) Social Responsibility Shareholders’ Information Corporate Data * Jabat Rangkap / Concurrent Posting 299 . Taufik Budiman MICRO FINANCE EAST Anang S.

dan Kalimantan. perusahaan ini berganti nama menjadi PT Saseka Gelora Finance (SGF).Bank CIMB Niaga .67%*** 51% 95. SGF memilki 1 Kantor Pusat di Jakarta.Struktur Kepemilikan Bank CIMB Niaga . yang sebagian besar sahamnya dimiliki oleh Bank CIMB Niaga (95. khususnya pembiayaan kepemilikan mobil. SGF.62% 28. the scope of business of the company is extended to Multifinance industry.26%** 19. Dewan Komisaris Presiden Komisaris : Handoyo Soebali Komisaris : Abdul Karim Md. Bali. Java. Currently. Sesuai keputusan Menteri Keuangan pada tahun 1993. Lassim Directors President Director Director Director : Frengkie Natawijaya : Triyuga Setyawan : Abianti Riana : Frengkie Natawijaya : Triyuga Satyawan : Abianti Riana 300 Bank CIMB Niaga Laporan Tahunan 2009 .43% 100% Masyarakat Public 2. particularly in providing car financing services.Shareholding Structure As of 31 December 2009 / Per 31 Desember 2009 Masyarakat Public 54. In line with that. Lassim Direksi Presiden Direktur Direktur Direktur Profile Established in 1981 as PT Saseka Gelora Leasing.91% shares is owned by Bank CIMB Niaga. Bali. Jawa. the name of the company changed to PT Saseka Gelora Finance (SGF). ruang lingkup perusahaan berkembang merambah ke industri Multifinance.95% 16.91%) bergerak dibidang pembiayaan melalui sewa guna usaha dan pembiayaan konsumen. is operating in the field of financing through leasing and consumer financing.91% KITA Finance Saseka Gelora Finance * dahulu/formerly Bumiputra Commerce Holdings ** termasuk/includes PT Commerce Kapital *** termasuk/includes Greatville Capital Pte Ltd & PT Pantai Damai Anak Perusahaan Subsidiaries PT SASEKA GELORA FINANCE Profil Didirikan pada tahun 1981 dengan nama PT Saseka Gelora Leasing. dan 16 outlet termasuk kantor cabang dan Sales Point Unit (SPU) yang tersebar di Sumatera. SGF. Board of Commissioners President Commissioner : Handoyo Soebali Commissioner : Abdul Karim Md.07% 78. and Kalimantan. Saat ini. SGF has 1 Head Office located in Jakarta and 16 outlets including branch offices and Sales Point Unit (SPU) spreading out in Sumatera. In accordance to the decision letter from Ministry of Finance in 1993. which 95. Sejalan dengan itu.

Bandung. Yogyakarta. in cooperation with PT Honda Prospect Motor (HPM). and Balikpapan. Yogyakarta. Malang. KITA Finance operates through 13 branches over Indonesia among others Jakarta. Board of Commissioners President Commissioner: Suhaimin Djohan Vice President Commissioner: Seiji Komuro Commissioner: Abdul Karim Md. Surabaya. Sebagai salah satu wujud untuk mengembangkan kegiatan usahanya. yang mencakup hampir seluruh kota besar di Indonesia. Semarang. Arief Setiabudi * * Menunggu Persetujuan Department Keuangan Republik Indonesia Profile PT Kencana Internusa Artha Finance (KITA Finance) is a multifinance company. KITA Finance Perusahaan pembiayaan yang sebelumnya bernama PT Primus Financial Services ini berdiri pada 20 Juli 1995. Semarang. Denpasar. Palembang. this multifinance company was previously known as PT Primus Financial Services was established on 20 July 1995.Introduction Key Message Planning & Strategy Financial Performance Business & Operations Report Corporate Governance Social Responsibility Shareholders’ Information Corporate Data PT KENCANA INTERNUSA ARTHA FINANCE (Per 28 Februari 2010) (As of 28 February 2010) Profil PT Kencana Internusa Artha Finance (KITA Finance) adalah perusahaan pembiayaan konsumen. Makassar. KITA Finance berfokus pada kegiatan pembiayaan kendaraan bermotor. Honda Auto Credit Programme (HACP). Arief Setiabudi * * Awaiting approval from Ministry of Finance of Republic of Indonesia Bank CIMB Niaga Annual Report 2009 301 . Medan. Denpasar. which 51% owned by Bank CIMB Niaga. Lassin Komisaris: Yukinobu Nagami Direksi Presiden Direktur: Eiichiro Ito Direktur: Tatsuya Taguchi Direktur: MN. Makassar. Medan. Palembang. diantaranya Jakarta. Lassin Commissioner: Yukinobu Nagami Directors Acting President Director: Eiichiro Ito Director: Tatsuya Taguchi Director: MN. KITA Finance launches vehicles ownership programme. KITA Finance bekerjasama dengan PT Honda Prospect Motor (HPM) melucurkan program kemudahan konsumen untuk memiliki kendaraan Honda melalui Honda Auto Credit Programme (HACP). Dewan Komisaris Presiden Komisaris: Suhaimin Djohan Wakil Presiden Komisaris: Seiji Komuro Komisaris: Abdul Karim Md. Bandung. Malang. dimana 51% sahamnya dimiliki oleh Bank CIMB Niaga. KITA Finance beroperasi melalui 13 kantor cabang dan kantor perwakilan. To expand its business. Now. dan Balikpapan. Focused on vehicles financing. Surabaya. Pada saat ini.

via the GLC Transformation Program. Khazanah is also the key agency mandated to drive shareholder value creation. Khazanah is committed to building a globally competitive Malaysia by developing the right human capital and maintaining the highest professional ethics. Malaysian Airline System Berhad. banking. Some of the key listed companies in Khazanah’s investment portfolio include Telekom Malaysia Berhad. sebuah entitas korporasi yang dibentuk sesuai Minister of Finance (Incorporation) Act tahun 1957. Khazanah memiliki tujuan untuk menjadi perusahaan investasi strategis terkemuka di kawasan regional yang mampu meningkatkan kinerja perusahaan di sektor-sektor yang memiliki nilai strategis dalam perekonomian nasional. Malaysia Airports Holdings Berhad. Najib Tun Abdul Razak is the Chairman of the Board. yang lebih dikenal sebagai Government-Linked Companies (GLCs). or GLCs. and UEM Land Berhad. Malaysian Airline System Berhad. dengan Perdana Menteri Malaysia. Khazanah juga mengemban tugas untuk meningkatkan nilai pemegang saham. UEM Group. Khazanah aims to be the leading regional strategic investment house that drives superior corporate performance with high standards of achievement in sectors that are deemed strategic to the nation’s economy. Khazanah is also the state agency responsible for strategic cross border investments.Profil Khazanah Nasional dan CIMB Group Profile of Khazanah Nasional and CIMB Group Sekilas Khazanah Nasional Berhad Khazanah Nasional Berhad (“Khazanah”) merupakan perusahaan holding milik Pemerintah Malaysia yang dipercaya untuk mengelola aset komersial Pemerintah serta melakukan aktivitas investasi strategis. efficiency gains and enhance corporate governance in companies controlled by the government. dan venture capital. commonly known as Government-Linked Companies. 302 Bank CIMB Niaga Laporan Tahunan 2009 . investment holding. The share capital of Khazanah is owned by the Minister of Finance (Incorporated). Khazanah mengelola investasi strategis di lebih dari 50 perusahaan dengan total aktiva senilai lebih dari USD25 miliar. telekomunikasi. PLUS Expressway Berhad. Khazanah was incorporated under the Companies Act 1965 on 3 September 1993 as a public limited company. diantaranya Telekom Malaysia Berhad. automotive. PLUS Expressways Berhad. Khazanah has a nine-member board comprising representatives from the public and private sectors. Tenaga Nasional Berhad. investment holding. Khazanah dikelola oleh Direksi yang beranggotakan sembilan orang yang mewakili sektor pemerintah maupun swasta. semi-conductor. Khazanah melakukan investasi strategis di beberapa perusahaan publik yang terkemuka. sebagai Chairman of The Khazanah Board. industri siaran (broadcasting). property development. Proton Holdings Berhad. 1957. Axiata Group Berhad. Khazanah didirikan pada tanggal 3 September 1993 sebagai perseroan terbatas milik pemerintah berdasarkan Companies Act tahun 1965. infrastruktur. pengembangan properti. Proton Holdings Berhad. About Khazanah Nasional Berhad Khazanah Nasional Berhad (“Khazanah”) is the investment holding arm of the Government of Malaysia entrusted to hold and manage the commercial assets of the Government and to undertake strategic investments. manajemen bandara. perbankan. CIMB Group Holdings Berhad. Mohd. semiconductor. Investasi dilakukan pada perusahaan-perusahaan di berbagai sektor seperti sektor energi. otomotif. CIMB Group Holdings Berhad. infrastructure. Saham-saham Khazanah dimiliki oleh Minister of Finance (Incorporated). These companies are involved in various sectors such as power. Tenaga Nasional Berhad. Mohd. Khazanah berkomitmen untuk membangun daya saing global Malaysia melalui pengembangan kualitas sumber daya manusia dan standar etika bisnis tertinggi. Khazanah has stakes in more than 50 companies with assets valued in excess of USD25 billion. a body corporate incorporated pursuant to the Minister of Finance (Incorporation) Act. melalui program Transformasi GLC. Malaysia Airports Holdings Berhad. UEM Group and UEM Land Berhad. Najib Tun Abdul Razak. research technology and venture capital. airport management. Khazanah juga merupakan perpanjangan tangan pemerintah dalam melakukan investasi strategis lintas-batas. riset teknologi. telecommunications. efisiensi dan kualitas tata kelola di perusahaan-perusahaan milik Pemerintah. broadcasting. Prime Minister of Malaysia.

CIMB Group adalah pemegang saham mayoritas Bank CIMB Niaga di Indonesia. Brunei. CIMB Group tercatat sebagai perusahaan terbesar ke-3 di Bursa Malaysia dengan kapitalisasi pasar sebesar RM 45. Dengan berkantor pusat di Kuala Lumpur. As at 31 December 2009. and the single largest shareholder of CIMB Thai in Thailand. Brunei. and the region’s largest indigenous investment banking franchise. CIMB Group also has offices in New York. CIMB Group juga memiliki kantor di New York.Introduction Key Message Planning & Strategy Financial Performance Business & Operations Report Corporate Governance Social Responsibility Shareholders’ Information Corporate Data Profil CIMB Group CIMB Group adalah institusi keuangan yang terdepan di Asia Tenggara dengan total aset lebih dari USD70 miliar. London.3 miliar. CIMB Group memiliki lebih dari 36. asset management. via CIMB Group Holdings Berhad (sebelumnya dikenal sebagai BumiputraCommerce Holdings Bhd). investment banking. CIMB Group is listed on the Main Board of Bursa Malaysia via CIMB Group Holdings Berhad (formerly known as BumiputraCommerce Holdings Bhd).000 employees in Malaysia. dan Myanmar. CIMB Group is the majority shareholder of Bank CIMB Niaga in Indonesia. syariah banking.000 karyawan yang tersebar di Malaysia. Headquartered in Kuala Lumpur. dan menjadikan CIMB Group investment banking yang terbesar. Bahrain. Vietnam. Indonesia. Profile of CIMB Group CIMB Group is a leading Southeast Asian universal banking group with total assets of over USD70 billion. Shanghai. dan Thailand dan menawarkan konsumen banking. CIMB Group has over 36.3 billion. Bahrain. investment banking. Hong Kong. Sejak tanggal 31 Desember 2009. sertra produk dan layanan asuransi kepada lebih dari 10 juta nasabah. CIMB Group terdaftar dalam Main Board Bursa Malaysia. the Group was ranked the 3rd largest company on Bursa Malaysia with a market capitalisation of RM45. CIMB Group merupakan jaringan retail bank dengan network yang tersebar luas di Asia Tenggara dengan cabang lebih dari 1. Islamic banking. London. CIMB Group has Southeast Asia’s largest retail bank network with more than 1. and offers consumer banking. Shanghai. asset management and insurance products and services to more than 10 million customers. Singapore and Thailand.110 branches. Vietnam. Hong Kong.110 brances. Singapore. and Myanmar. Bank CIMB Niaga Annual Report 2009 303 . Indonesia. dan mayoritas tunggal di CIMB Thai di Thailand.

Sambutan Group Chief Executive CIMB Group Letter from Group Chief Executive CIMB Group Pemegang Saham yang terhormat. As a member of the CIMB Group. Kami melihat tahun 2009 sebagai tahun penemuan jati diri dan pembangunan kapasitas bagi entitas yang baru. But what excites us most. We are also delighted with the successful conclusion of the Bank Niaga and Bank Lippo merger. it will continue to benefit from the ever-increasing synergies within our regional network. hal tersebut akan memberikan manfaat dari sinergi yang tercipta melalui jaringan regional kami. On behalf of CIMB Group. The year 2009 has certainly been a time of discovery and of capacity building for the newly merged entity. saya mengucapkan terima kasih kepada manajemen dan staf Bank CIMB Niaga atas kinerja yang luar biasa di tahun 2009. and the distractions of the merger process. Together we witnessed the completion of Southeast Asia’s largest “big bang” business and IT integration exercise on 18th May 2009. serta adanya proses merger. CIMB Group is very pleased with Bank CIMB Niaga’s strong financial performance in 2009. Atas nama CIMB Group. Bank CIMB Niaga’s progress to date has been extremely encouraging particularly in light of the fact that it has been achieved while having to contend with difficult economic conditions at the start of 2009. namun hal yang sangat menggembirakan adalah mengetahui bahwa jalan dan berbagai peluang terbentang luas di depan kami. I would like to thank and congratulate the management and staff of Bank CIMB Niaga for their exceptional performance in 2009. atau 4 bulan lebih cepat dari target semula. Bank CIMB Niaga’s contribution to CIMB Group’s overall profit before tax has nearly doubled from 11% in 2008 to 20% in 2009. 4 months ahead of schedule. dimana penyelesaian integrasi “big bang” bisnis dan TI terbesar di Asia Tenggara tersebut dapat selesai pada tanggal 18 Mei 2009. Dengan landasan yang lebih kuat. Dear Shareholders. we greatly look forward to an even more successful year in 2010. Bank CIMB Niaga akan memasuki tahun 2010 dalam posisi siap untuk mengkapitalisasi di tengah kondisi ekonomi Indonesia yang kembali bangkit. is the path and the opportunities which lie ahead. dan sebagai anggota CIMB Group. Dato’ Sri Nazir Razak Group Chief Executive CIMB Group 304 Bank CIMB Niaga Laporan Tahunan 2009 . With all of the building blocks in place. Kemajuan yang diraih Bank CIMB Niaga sangat menjanjikan dimana terjadi di saat perekonomian mengalami masa sulit di awal 2009. Kami juga bangga atas keberhasilan proses merger antara Bank CIMB Niaga (dahulu Bank Niaga) dan Bank Lippo. kami berharap sukses yang berkelanjutan di tahun 2010. Bank CIMB Niaga will enter 2010 in an optimal position to capitalise on a resurgent Indonesian economy. Kontribusi Bank CIMB Niaga bagi laba sebelum pajak CIMB Group mencapai hampir dua kali lipat dari 11% di tahun 2008 menjadi 20% di tahun 2009. CIMB Group sangat bangga atas kinerja Bank CIMB Niaga yang luar biasa di tahun 2009.

063.612 443.667.784 239.836 5.333.Introduction Key Message Planning & Strategy Financial Performance Business & Operations Report Corporate Governance Social Responsibility Shareholders’ Information Corporate Data Company No: 50841-W CIMB Group Holdings Berhad (formerly known as Bumiputra-Commerce Holdings Berhad) (Incorporated in Malaysia) Consolidated Balance Sheets as at 31 December 2009 2009 RM’000 Assets Cash and short-term funds Securities purchased under resale agreements Deposits and placements with banks and other financial institutions Securities held for trading Available-for-sale securities Held-to-maturity securities Derivative financial instruments Loans.924 5.796 293.587 4.983.087 217.097 3.801 117.711 3.274.591.708 110.694.286 6.276 10.498.280 3.756 2.759 178.667 29.559.494.416 843.689.218.243 4.154.895 212.062 388.724 1.710 3.220 993.342.166 Bank CIMB Niaga Annual Report 2009 305 .266.218.536 14.247 428.452 207.074 4.550 100.430 5.492.278.336 10.404 239.544.608.818 24.603.210 13.302 11.701 1. advances and financing Other assets Deferred tax assets Tax recoverable Statutory deposits with central banks Investment in associates Investment in jointly controlled entities Property.882.285 217.653 1.175 256.337.345 786.066 127.595 380.190 5.213 11.921.423.736.890.090.131.408.221.582 565.266 7.519 1.285 146.105.374 4.204.687 4.565 335.443.999.383.483 260.055 14.738 884.307 82.008.051 3.303 13.794 8.723.349 279.518 948.239 11.999 2008 RM’000 24.168.924 7.670 207.886 120.284 62.788 6. plant and equipment Investment properties Prepaid lease payments Goodwill Intangible assets Non-current assets held for sale Total assets Liabilities Deposits from customers Deposits and placements of banks and other financial institutions Obligations on securities sold under repurchase agreements Derivative financial instruments Bills and acceptances payable Other liabilities Deferred tax liabilities Current tax liabilities Amount due to Cagamas Berhad Bonds Other borrowings Subordinated notes Non-cumulative guaranteed and redeemable preference shares Liabilities directly associated with non-current assets classified as held for sale Total liabilities 28.706 14.336 188.000.757 487.382.004.873 2.831 142.619 161.344.653.499 188.248.311.337.

578.702) 17.Company No: 50841-W CIMB Group Holdings Berhad (formerly known as Bumiputra-Commerce Holdings Berhad) (Incorporated in Malaysia) Consolidated Balance Sheets as at 31 December 2009 (Continued) 2009 RM’000 Equity Capital and reserves attributable to equity holders of the Company Ordinary share capital Reserves Less: Shares held under trust Treasury shares.101.513.531.203 200.678.842 Net assets per share attributable to ordinary equity holders of the Company (RM) 5. at cost Perpetual preference shares Minority interests Total equity Total equity and liabilities Commitments and contingencies 2008 RM’000 3.057.766 16.345.892.390 18.000 2.593 207.85 306 Bank CIMB Niaga Laporan Tahunan 2009 .078 14.812.714 239.811 (563) 20.76 4.090.646.017 (74.099.014 200.000 1.700 22.983.999 322.759 321.443 3.813.190) (461.

929.Company and subsidiaries Zakat Net profit after taxation and zakat Attributable to: Equity holders of the Company Minority interests 2.768) (708) 29.546 Earnings per share attributable to ordinary equity holders of the Company (sen) .5 79.827) 4.Introduction Key Message Planning & Strategy Financial Performance Business & Operations Report Corporate Governance Social Responsibility Shareholders’ Information Corporate Data Company No: 50841-W CIMB Group Holdings Berhad (formerly known as Bumiputra-Commerce Holdings Berhad) (Incorporated in Malaysia) Consolidated Income Statements for the financial year ended 31 December 2009 2009 RM’000 10.8 19.659 (703.120) 3.470.590.022.635) 4.847 7.952.707 (794.012.121.5 57.690) (7.877 (757.047.111) (2) 2.012.126 7.593) 2.067 1.8 57.715.557 10.951.811.740.253 (45.523 (5.569) (18.047.546 Interest income Interest expense Net interest income Income from Islamic banking operations Non-interest income Overheads Profit before allowances Allowance for losses on loans.423 (4.642.618.999 3.864) 6.Basic .060 3.3 sen) 79.906 807.790 2.805) 3.539.Fully diluted Dividends per ordinary shares of 20.717.7 sen less income tax of 25% and tax exempt dividend of 4.888 (1. advances and financing Allowance for losses on other receivables Provision for commitments and contingencies Allowance (made)/written back for impairment losses Share of results of jointly controlled entities Share of results of associates Profit before taxation and zakat Taxation .777.8 Bank CIMB Niaga Annual Report 2009 307 .715) (94.596 437.669.508 2.251 3.816 240.806.3 sen (2008: 20.779) 3.770 (4.275 3.605) (56.793.038 60.067 2008 RM’000 9.068.512 (4.483 2.757.7 sen less income tax of 25% and tax exempt dividend of 4.088) (76.660.8 19.755 26.

dilengkapi fasilitas perpanjangan otomatis (Automatic Roll Over) dan asuransi jiwa gratis. dimulai dari kemudahan tarik tunai dan transfer dana di seluruh jaringan ATM Bersama. hingga kenyamanan transaksi tanpa batas waktu dan ruang melalui fasilitas CIMB Niaga e-Banking. Tabungan Mapan X-Tra Tabungan berjangka bagi individu dalam mata uang Rupiah dengan hasil investasi yang menarik. provided with free life insurance. serta berbelanja di berbagai tempat berlogo VISA & MASTER. starting from easy cash withdrawal and fund transfer within the entire “ATM Bersama” network. untuk mempersiapkan biaya pendidikan bagi putra-putri melalui setoran bulanan yang ringan dan fleksibel sesuai dengan jangka waktu dan pilihan bunga fixed atau floating yang diinginkan. Education Savings Individual periodical Savings in Rupiah and US Dollar with interesting returns aimed at preparing future education expenses for offspring through affordable and flexible monthly deposits with individually chosen time frame and self selection of fixed or floating interests. with special facility enabling them to register under their own name. Giro (Rupiah/Valas) Rekening Koran bagi nasabah individu maupun perusahaan dalam berbagai pilihan mata uang. serta dilengkapi dengan asuransi jiwa gratis. complete with Junior Debit for easy withdrawal at any ATM or shopping at any merchant displaying the VISA & MASTER logo. worldwide cash withdrawal through Visa Plus network. Tabungan Junior Tabungan bagi individu dalam mata uang Rupiah yang dikhususkan bagi anak-anak dengan keunggulan dapat dimiliki atas namanya sendiri. Deposito Simpanan berjangka bagi nasabah individu maupun perusahan dalan berbagai pilihan mata uang dan jangka waktu. Tabungan Usaha Merupakan simpanan pihak ketiga pada Bank dalam mata uang Rupiah yang penarikannya dapat dilakukan setiap saat menggunakan media yang ditentukan dan diperuntukkan bagi nasabah Badan Usaha dan nasabah Perorangan. provided with free life insurance. Time Deposit Time deposit for individual customers or corporate with various currency and time frame options. Tabungan Pendidikan Tabungan berjangka bagi individu dalam mata uang Rupiah dan Dollar AS dengan hasil investasi yang menarik.Produk dan Layanan Products and Services PRODUK SIMPANAN Tabungan X-Tra Tabungan bagi individu dalam mata uang Rupiah dengan fasilitas lengkap dan berbagai keuntungan ekstra yang membuat hidup menjadi lebih nyaman. and applicable for Corporate/Business as well as Individual customers. to convenient transactions without being time-confined or limited space through the CIMB Niaga e-banking facilities. Business Savings Third-party deposits at the Bank in Rupiah currency that can be withdrawn any time using the required instrument. penarikan tunai di seluruh dunia melalui jaringan VISA Plus. providing convenience for daily business transaction. dilengkapi dengan Kartu Debit Junior untuk kemudahan penarikan tunai di ATM. interesting interest rates and Automatic Roll-Over facility and free life insurance. Tabungan Mapan X-Tra Individual Periodic Savings in Rupiah with interesting returns to bring future plans come to reality through affordable and flexible monthly deposits at customers’ own choice of time frame and self-selection of fixed or floating interests. dengan suku bunga yang menarik. SAVINGS PRODUCT Tabungan X-Tra Individual Savings in Rupiah with complete facilities and various extra benefits bring convenience to life. 308 Bank CIMB Niaga Laporan Tahunan 2009 . untuk mewujudkan berbagai rencana di masa depan melalui setoran bulanan yang ringan dan fleksibel sesuai dengan jangka waktu dan pilihan bunga fixed atau floating yang diinginkan. yang memberikan kenyamanan dan kemudahan dalam melakukan transaksi bisnis. Demand Deposits (Rupiah/Forex) Current account for individual or corporate customers in Rupiah or other foreign currencies. Junior Savings Individual savings in Rupiah intended for children. berbelanja dengan Kartu Debit CIMB Niaga. serta dilengkapi dengan asuransi jiwa gratis. shopping with CIMB Niaga Debit Card.

and convenience banking transactions through CIMB Niaga Electronik Access (Call Center 14041. serta kenyamanan melakukan berbagai macam transaksi di Akses Elektronik CIMB Niaga (Call Center 14041. starting from the advantageous easy withdrawal and deposit of bank notes. mulai dari tarik setor bank notes yang menguntungkan. baik dari tabungan ataupun dari Kartu Kredit CIMB Niaga yang dimiliki. loans. cable TV/satellite). layanan transfer antar bank anggota ATM Bersama secara real. Saat ini. dan SST).time online. and SST). hingga penukaran poin CINTA. last 5 transactions.000 CIMB Niaga ATMs. cable TV/satellite). TV kabel/satelit). top up prepaid mobile phone including CINTA points redemption. pembelian pulsa ponsel hingga penukaran poin CINTA. Call Center 14041 Layanan perbankan terpadu real-time online melalui telepon dan ponsel dengan satu nomor akses 14041 dan tarif lokal untuk kemudahan transaksi non-tunai kapanpun dan dimanapun seperti cek saldo. Ponsel Banking (former Niaga Ponsel Access) SMS banking service is accessible by both GSM and CDMA phone users through Java menu or plain SMS for non cash transaction “anywhere and anytime” such as balance information. cetak statement. and Visa Plus ATM Network worldwide. internet. ATM. pemindahbukuan. credit card. mobile phone. credit card information. rapid and convenient money transfer anywhere in the world. internet. pembayaran tagihan (telepon. thousands of ATM Bersama. ATM. ponsel. kartu kredit. tarif spesial untuk keperluan pengiriman uang bagi pelajar yang menjalani pendidikan di Australia dan Malaysia dengan CIMB Niaga Student Transfer. cek 10 transaksi terakhir. cash withdrawal at more than 10. pembayaran tagihan (telepon. layanan transfer ke seluruh dunia yang cepat dan nyaman. statement print-out. ribuan ATM Bersama dan ATM Visa Plus di seluruh dunia. ponsel. loans. informasi Kartu Kredit. listrik. kartu kredit. as well as real-time online fund transfer within members of ATM Bersama. ATM Layanan perbankan elektronik 24-jam real-time online untuk melakukan penarikan tunai yang tersebar di berbagai lokasi strategis di seluruh Indonesia. dengan dukungan lebih dari ratusan ATM CIMB Niaga. utility. nasabah secara fleksibel dapat memilih sumber dana untuk bertransaksi.000 jaringan ATM CIMB Niaga. ELECTRONIC ACCESS FACILITY Debit Card CIMB Niaga Debit Card provides easy and convenient services for making transactions at numerous places in the world with VISA logo. over-booking. Customers can freely select the source of fund for their transaction. bill payments (telephone. including CINTA points redemption. cek 5 transaksi terakhir. Call Center 14041 Integrated real-time online banking services through telephone and mobile phone with a single access number 14041. internet. transfer to other banks. utility. credit card. pemindahbukuan. ATM Bersama and the ATM VISA Plus worldwide network. last 10 transactions. internet. ATM Bersama dan MEPS serta jaringan ATM VISA Plus di seluruh dunia. Dollar Savings Individual savings in US Dollar and Singapore Dollar with easy access and interesting facilities. overbooking. either from their savings or CIMB Niaga Credit Card. with only a local connection charge for “anywhere and anytime” convenient non-cash transactions such as balance information. bill payments (telephone. pinjaman. special rates for money transfer to students studying in Australia and Malaysia with CIMB Niaga Student Transfer. Mobile Banking. TV kabel/satelit). pembelian pulsa ponsel. penarikan tunai di lebih dari 10. informasi tolakan kliring. pinjaman. transfer to other banks. top up prepaid mobile phone. Ponsel Banking (dahulu Niaga Ponsel Access) Layanan SMS banking real-time online yang dapat dinikmati oleh semua pengguna ponsel baik GSM maupun CDMA secara nyaman dengan Java Menu atau SMS plain untuk melakukan transaksi non-tunai kapanpun dan dimanapun seperti cek saldo. FASILITAS AKSES ELEKTRONIK Kartu Debit Kartu Debit CIMB Niaga untuk kemudahan dan keleluasaan berbelanja di berbagai tempat berlogo VISA di seluruh dunia. ATM Real-time online 24 hour electronic banking services. spread around various strategic places in Indonesia with more than hundreds of CIMB Niaga ATM. information on clearing rejection.Introduction Key Message Planning & Strategy Financial Performance Business & Operations Report Corporate Governance Social Responsibility Shareholders’ Information Corporate Data Tabungan Dollar Tabungan bagi individu dalam mata uang Dollar AS dan Dollar Singapore dengan berbagai kemudahan dan fasilitas menarik. Bank CIMB Niaga Annual Report 2009 309 . mobile phone.

Mobile Banking. pinjaman. pembayaran tiket pesawat. pembayaran tagihan (telepon.Produk dan Layanan Products and Services Internet Banking Layanan perbankan elektronik 24 jam real-time online melalui internet dengan mengakses www. BizChannel Internet banking facility which can help you to manage your cash flow and cater all kind of banking needs real-time online.g. pembelian pulsa ponsel. internet. which has capability in handling supply chain transaction at ease. Self Service Terminal (SST) Real-time online banking service through touch screen via SST machine located at various strategic places in Indonesia for noncash banking transactions such as balance information. mobile phone. pinjaman.com untuk melakukan transaksi non-tunai seperti cek saldo. cek 10 transaksi terakhir. pembayaran tagihan (telepon. principal/seller and distributor/buyer. electricity. e-Chain e-Chain adalah solusi otomatis berbasis web/internet yang memberikan kemudahan dalam menagani bisnis rantai pengadaan (supply chain). cable TV/satellite) and purchasing as well as CINTA point’s redemption. internet. e. ponsel. internet. pemindahbukuan. ATM. Internet Banking. Internet Banking 24 hours real-time online electronic banking services on the internet that is accessible by clicking www. kartu kredit. including exchanging CINTA points. pembelian isi ulang pulsa hingga pembayaran tiket pesawat melalui Akses Elektronik CIMB Niaga (Call Center 14041. Self Service Terminal (SST) Layanan perbankan real-time online dengan layar sentuh melalui mesin SST yang tersebar di berbagai lokasi strategis di seluruh Indonesia untuk melakukan transaksi non-tunai seperti cek saldo. listrik. internet. 310 Bank CIMB Niaga Laporan Tahunan 2009 . CIMB Niaga Quick Pay A simple service for any kind of bill payments. top up prepaid mobile phone. the same concept is applicable whereby certain amounts will be debited from main account and credited into many accounts within the group. hingga penukaran poin CINTA. various and extensive bill payments (telephone. TV kabel/satelit). and SST). cable TV/satellite).cimbniaga. utility. last 1 month transactions. transfer ke bank lain (IDR & USD). e-Chain is applicable when there are at least two parties involved in the transaction. Sangat tepat digunakan bagi dunia usaha dengan aktivitas perbankan yang tinggi. ATM. mobile phone. BizChannel Fasilitas internet banking berbasis web untuk pengelolaan keuangan bisnis dengan akses real-time online. pembayaran tiket pesawat hingga penukaran poin CINTA. ponsel. Internet Banking.cimbniaga. e-Chain dapat dipergunakan bila terdapat 2 pihak yang bekerja sama (principal/penjual dan distributor/pembeli).com for non cash transactions such as balance information. eMFTS (Electronic Mass Fund Transfer System) Salah satu fasilitas dari internet banking (BizChannel) yang dapat digunakan oleh nasabah untuk melakukan pengiriman instruksi uang keluar/masuk secara massal dengan mudah. supported by professional service and sophisticated security features. TV kabel/satelit). cek transaksi 1 bulan terakhir. kartu kredit. transfer to other banks. last 10 transactions. bill payments (telephone. dan SST). loans. pembelian pulsa ponsel. transfer ke bank lain. Berbagai macam transaksi perbankan menjadi begitu mudah dilakukan dengan dukungan pelayanan dan perlindungan fitur keamanan yang prima. This feature is available through internet banking (BizChannel) whereby the system will automatically sweep-out balances from several accounts and credit to the main account within the group. pemindahbukuan. In a reverse way. Fitur ini tersedia melalui internet banking (BizChannel) dimana saldo akhir hari dari beberapa rekening dapat dikonsolidasikan/ditransfer ke satu rekening utama dalam satu grup nasabah yang sama. cepat dan aman. over-booking. Hal sebaliknya dapat juga dilakukan dimana rekening utama memberikan saldo awal dalam jumlah tertentu ke rekeningrekening lainnya dalam grup yang sama. credit card. Consolidated Account Balance Simple solution to monitor consolidated cash flow from many accounts on regular basis. credit card. Konsolidasi Saldo Rekening Solusi praktis untuk mengetahui posisi cash flow yang terkonsolidasi dari beberapa rekening secara berkala. top up prepaid mobile phone and airplane ticket payment through CIMB Niaga Electronic Access (Call Center 14041. airplane ticket payment. e-Chain e-Chain is an automated web/internet solution. This is the right solution for company with heavy regular transaction volumes. fund transfer (IDR & USD). CIMB Niaga Quick Pay Merupakan layanan praktis untuk berbagai macam pembayaran tagihan. eMFTS (Electronic Mass Fund Transfer System) eMFTS is one of our internet banking facility (BizChannel) whereby a customers can submit debit/credit for large number of items efficiently in the most secured way. loans. Ponsel Banking.

• Escrow Agent: to maintain and operate an escrow on behalf of the related parties with reference to the signed agreement.Introduction Key Message Planning & Strategy Financial Performance Business & Operations Report Corporate Governance Social Responsibility Shareholders’ Information Corporate Data Fax Statement Merupakan layanan pengiriman statement rekening koran melalui fasilitas faksimili dan layanan pengecekan transaksi/saldo setiap saat melalui Call Center 14041. Forex Lines. Cash & Cheque Pick . Fax Statement Facsimile service for sending current account statement. Tax Payment. electronic access (Akses Elektronik). dan Investor Account. Pinjaman Modal Kerja. include among others: • Trustee: to represent and act on behalf of the bond holders (investors) for both conventional and syariah debt instruments listed in Indonesia Stock Exchange (IDX). • Agen Pemantau: Bertindak dan mewakili kepentingan pemegang surat hutang (investor) baik konvensional maupun syariah yang tidak terdaftar di Bursa Efek Indonesia (private placement). and Investor Account. at anytime with Call Center 14041. Virtual Account Reconciliation solution for businesses to identify incoming payment received from various source of payments such as transfer. Payment Bank Layanan bagi pelaku pasar modal berupa pengelolaan pembayaran transaksi pasar modal anggota Bursa. PERBANKAN BISNIS. Cash Delivery Layanan yang diberikan kepada nasabah tertentu dimana Bank CIMB Niaga (bekerja sama dengan pihak ketiga) melakukan proses pengantaran tunai ke lokasi nasabah dan sesuai dengan denominasi yang diinginkan. Tax Payment. Working Capital Loans. including balance / transaction information. Bank Guarantee. e-banking. antara lain intraday. • Security Agent: to maintain. amongst others intraday. Virtual Account. Cash & Cheque Pick . akses elektronik. Virtual Account. for both unlisted conventional and syariah debt instruments (private placement). Virtual Account Layanan terkini yang menawarkan kemudahan kepada nasabah dalam proses identifikasi penerimaan dana dari berbagai sumber baik melalui transfer. • Agen Pembayaran: Memberikan jasa pembayaran atas pokok dan bunga surat hutang. serta dividen saham. BUSINESS. TRESURI DAN KORPORASI Wali Amanat & Keagenan Menyediakan jasa lembaga penunjang pasar modal. • Paying Bank: to perform the payment for the principal and interest of debt instruments and dividend. tunai maupun cheque. cash or cheque. Bank CIMB Niaga Annual Report 2009 311 . e-Banking.up Layanan yang diberikan kepada nasabah tertentu dimana Bank CIMB Niaga (bekerja sama dengan pihak ketiga) melakukan proses pengambilan tunai maupun cheque dari lokasi nasabah. Receiving Bank saat IPO. Receiving Bank at the IPO. melakukan eksekusi dan distribusi hasil penjualan jaminan sesuai perjanijian. antara lain: • Wali Amanat: Mewakili kepentingan pemegang obligasi (investor) baik konvensional maupun syariah yang terdaftar di Bursa Efek Indonesia (BEI). Forex Lines. administrate and if necessary perform the execution and distribution of the proceed of the collateral to the investors with reference to the security agent agreement.up A solution provided to selected clients whereby CIMB Niaga (cooperation with third party provider) conducts cash and cheque pick-up service from a designated location. • Agen Escrow: Jasa pengelolaan rekening escrow atas nama para pihak yang berkepentingan berdasarkan perjanjian yang disepakati. apabila perlu. • Monitoring Agent: to represent and act on behalf of the investors. • Agen Jaminan: Memberikan jasa pengadministrasian dokumen jaminan dan. Cash Delivery A solution provided to selected clients whereby Bank CIMB Niaga (cooperation with third party provider) conducts agreed denomination cash delivery service to a designated location. CORPORATE BANKING Trustee & Agent Provide trustee and agency services in capital market. Bank Garansi. Payment Bank A solution for members of capital market by managing transaction payment for member of the Bourse (IDX). TREASURY.

Majelis Ulama Islam. Divisi Sindikasi kami memberikan alternatif pembiayaan dalam lingkup lokal maupun lingkup lintas negara. dan Administration untuk Surat Berharga dan berbagai produk investasi di Pasar Modal seperti Discretionary Fund. Custody Service Offers comprehensive services to reduce The Client Administration in Capital Market Industry.Produk dan Layanan Products and Services Jasa Kustodian Jasa Kustodian menyediakan layanan yang lengkap kepada Nasabah yang melakukan investasi di Pasar Modal sehingga Nasabah dapat mengurangi pekerjaan administrasi di pihak mereka. Cakupan area kerja kami meliputi identifikasi dan menstruktur produk yang sesuai dengan transaksi yang diinginkan nasabah. Mutual Fund. With the dedicated and experienced team in the Industry. Jasa Kustodian kami mendapatkan sertifikasi ISO 9001 : 2008 dari SGS dan memperoleh pernyataan kesesuaian Syariah dari Dewan Syariah Nasional . negotiating credit and commercial terms. arranging and underwriting the loans and trade finance products. penyelenggaraan dan meng-underwriter suatu pendanaan untuk pemberian kredit (cash basis) maupun non kredit (non cash basis). Small Medium Enterprise Credit through Partnership A business financing facility for suppliers. our syndication team provides domestic and cross-border fund raising solutions to our client by originating. investment and trading transactions. Pembiayaan Perdagangan Fasiltas kredit dan layanan perbankan untuk menunjang nasabah dalam kegiatan perdagangan domestik dan internasional. Customized Reporting. Our scope of work includes identifying and structuring of such products to suit the underlying transaction. Syndication With a primary objective of assisting our client to raise large size funding from the loan market and trade finance market. 312 Bank CIMB Niaga Laporan Tahunan 2009 . franchise license holders or SME’s endorsed by Bank CIMB Niaga’s partners. backed by merchandise or commodities held and controlled by a collateral manager in a warehouse. particularly in the field of sustainable energy. melakukan distribusi dan sindikasi atas produk-produk tersebut dan mengatur proses sindikasi termasuk dokumentasinya. subkontraktor.Majelis Ulama Islam. Trade Finance Credit facility and banking services to support customers both in domestic and international business trading activities. Employee Providence Fund. Kredit Usaha Kecil Menengah Pola Kemitraan Fasiltas pembayaran usaha bagi pemasok. Settlement dan Transaction Handling. Unit Linked. distributor. Fund Accounting and Administration of securities and variety of Capital Market Products such as Discretionary Fund. Dengan team yang berdedikasi dan berpengalaman di Pasar Modal. Customized Report. Fund Accounting. distributors. minyak dan gas. Pinjaman Fasilitas pinjaman untuk kebutuhan modal kerja (termasuk modal kerja ekspor). Kami juga memiliki spesialisasi dalam project financing. Safekeeping. Sindikasi Dengan tujuan utama untuk melayani nasabah dalam memenuhi kebutuhan nasabah atas pendanaan jumlah besar dari loan and trade finance market. including documentation. We provide Regional and Domestic Custody Services which included the Settlement and Transaction. khususnya pada bidang energi. We also specialized in arranging project financing. Warehouse Financing Fasilitas pinjaman modal kerja dalam rangka kegiatan usahanya dengan jaminan berupa barang/komoditi yang ditempatkan di gudang (warehouse) yang dimonitor oleh collateral manager. Warehouse Financing A working capital loan facility. investasi maupun kegiatan perdagangan. distributing or syndicating these products and managing the syndication process. Reksa Dana dan Dana Pensiunan Lembaga Keuangan. oil and gas. perkebunan dan infrastruktur. Loans Loans facility to provide customers’ need in working capital (including export working capital). melakukan negosiasi kredit dan syarat-syarat komersial. sebagai solusi pendanaan bagi nasabah. Our Custody Services has approved ISO 9001: 2008 from SGS and granted Syariah Compliancy from Syariah National Board . Unit Link. subcontractors. plantations and infrastructure related deals. Alternatif tersebut diberikan dalam cakupan perencanaan. Kami menyediakan jasa Regional dan Domestic Custody termasuk diantaranya Safekeeping. pemegang hak franchise atau anak angkat dari perusahaan yang terpilih sebagai mitra Bank CIMB Niaga.

Payment Bond Jaminan bank yang diterbitkan dalam rangka menjamin pembayaran nasabah kepada pihak lain. Bank CIMB Niaga Annual Report 2009 313 . Shipping Guarantee Jaminan yang diterbitkan oleh Bank untuk membantu importir agar dapat mengeluarkan baran impor dari perusahaan pelayaran sebelum dokumen transpor diterima oleh importir. Bapeksta Bond Bank Guarantee issued to defer import tax payment of imported raw materials for export purpose. Tender or Bid Bond Bank guarantee issued to meet tender/bidding requirements. Counter Guarantee Bank Guarantee issued as security collateral to issue another bank guarantee. Standby Letter of Credit Jaminan pembayaran untuk berbagai kewajiban transaksi bisnis yang dimiliki nasabah. Advance Payment Bond Jaminan bank yang diterbitkan dalam rangka menjamin uang muka atas suatu kontrak/proyek yang diterima oleh nasabah. Custom Bond Bank Guarantee issued to defer import tax payment of imported goods. Penerbitan Letter of Credit . Factoring Purchasing or taking over of a company’s short term Account Receivables from business transaction. Retention Bond Bank Guarantee issued to secure the payment of any sum or sums paid or released to the principal by the beneficiary before the date of payment or release thereof contained in the contract. Tender or Bid Bond Jaminan bank yang diterbitkan dalam rangka memenuhi persyaratan dalam mengikuti tender/lelang Performance Bond Jaminan bank yang diterbitkan untuk memproteksi obligee atas terjadinya risiko non-performance dan risiko keuangan jika kontraktor wanprestasi terhadap pelaksanaan kontrak. Counter Guarantee Jaminan bank yang diterbitkan dalam rangka penjaminan penerbitan bank garansi lainnya. Shipping Guarantee Guarantee issued by the Bank to the importer for picking up the goods from the shipping company in the case of arrival of cargo prior to the shipping documents. Advance Payment Bond Bank Guarantee issued to guarantee advance payment of a contract or project received by a customer.Introduction Key Message Planning & Strategy Financial Performance Business & Operations Report Corporate Governance Social Responsibility Shareholders’ Information Corporate Data Anjak Piutang Fasilitas pembelian atau pengalihan piutang atas tagihan jangka pendek suatu perusahaan (non bank) yang berasal dari transaksi usaha. Bapeksta Bond Jaminan bank yang diterbitkan dalam rangka penangguhan pembayaran pajak-pajak impor barang untuk tujuan ekspor.Sight dan Usance Jaminan pembayaran bank pembuka L/C atas penyerahan dokumen-dokumen yang sesuai dengan persyaratan L/C untuk transaksi impor barang. Retention Bond Jaminan bank yang diterbitkan untuk menjamin pembayaran kepada principal oleh penerima bank garansi sebelum tanggal pembayaran atau pelepasan kewajiban menurut kontrak. Standby Letter of Credit Payment guarantee covering customer’s business transaction obligation. Custom Bond Jaminan bank yang diterbitkan dalam rangka penangguhan pembayaran pajak-pajak impor barang. Performance Bond Bank Guarantee issued to cover obligation to perform other than money including for the purpose of covering losses arising from a default of the applicant in completion of the underlying transaction. Payment Bond Bank Guarantee issued to guarantee payment by a customer to a third party. Sight and Usance Letter of Credit Issuance Definite undertaking of the issuing bank to honor a complying presentation of documents for import goods.

Post Import Financing / Trust Receipt Short-term loan designed to settle import transaction. Outward Documentary Collections . berdasarkan permintaan nasabah kepada pihak ketiga yang ditunjuk Negosiasi Ekspor Letter of Credit dengan Fasilitas Pembiayaan ekspor setelah pengapalan barang atas dasar L/C berdasarkan fasilitas negosiasi L/C ekspor untuk exporter. Usance Payable At Sight (UPAS) Fasilitas pembiayaan untuk pembayaran secara At Sight kepada eksportir atas dokumen L/C Usance milik importir. Pre and Post Export Financing Fasilitas pinjaman yang diberikan untukmenunjang modal kerja dalam kegiatan ekspor.D/P dan D/A Pengiriman dokumen ekspor dari nasabah ke bank importir dengan mekanisme pembayaran non-L/C.D/A Financing). Outward Documentary Collections . Pajak Import . Post Import Financing / Trust Receipt Fasilitas pinjaman jangka pendek untuk pembayaran dokumendokumen impor. Inward Documentary Collection .D/A Financing). Inward Documentary Collection .PIB / PIBT Penerimaan pembayaran pajak impor dan biaya-biaya impor lainnya atas transaksi impor barang dan jasa oleh nasabah. Export Letter of Credit Advising Advising L/C received from opening bank to customer or another beneficiary’s bank.Produk dan Layanan Products and Services Penerbitan SKBDN (Letter of Credit Dalam Negeri) Jaminan pembayaran bank pembuka SKBDN atas penyerahan dokumen-dokumen yang sesuai dengan persyaratan SKBDN untuk transaksi perdagangan dalam negeri (domestik). Export Letter of Credit Negotiation with Facility Financing post shipment export bills under L/C based on export L/C negotiation facility provided by the Bank to exporter. Pre and Post Export Financing Loan facility for working capital offered to support export activities. Negosiasi Ekspor Letter of Credit tanpa Fasilitas Pembiayaan ekspor setelah pengapalan barang atas dasar L/C berdasarkan ketersediaan bank line yang memadai dari bank pembuka L/C. Export proceed of negotiation will be used for re-payment. Usance Payable At Sight (UPAS) Financing provided by the Bank to pay At Sight to exporter of documents under Usance L/C from importer. L/Cs (pre export financing) and Non L/Cs (post export financing .D/P and D/A Dispatch export document to importer’s bank through non-L/C payment method. Letter of Credit Transfer Transferring export L/C to the second beneficiary based on instruction from customer.D/P and D/A Advise import document received from exporter’s bank through non-L/C payment method.PIB / PIBT Import tax payment service of customer’s imported goods. Pelunasan fasilitas berasal dari hasil realisasi ekspor. 314 Bank CIMB Niaga Laporan Tahunan 2009 . Export Letter of Credit Negotiation without Facility Financing post shipment exports bills under L/C subject to bank line availability of the L/C issuing bank. Transfer Letter of Credit Pengalihan (transfer) L/C ekspor.D/P dan D/A Penerusan dokumen impor untuk nasabah dari bank eksportir melalui mekanisme pembayaran non-L/C. SKBDN (Domestic Letter of Credit) Issuance Definite undertaking of the issuing bank to honor a complying presentation of documents for domestic trade. Import Tax Payment . Penerusan Letter of Credit Ekspor Penerusan L/C yang diterima dari bank penerbit kepada nasabah atau bank penerima L/C lainnya. baik dengan L/C (pre export financing) maupun Non L/C (post export financing .

education. the credit card will be ready just moments after submission of the completed application form. telepon. bunga yang kompetitif. Dengan motto ”Siapapun Bisa Punya Kartu Kredit X-Tra” diharapkan produk ini mampu menjawab kebutuhan nasabah yang membutuhkan proses cepat dan aman untuk mendukung life style nasabah. vila dan tanah kavling siap bangun. agree to place your savings account as collateral. with X-Tra benefits as well. to purchase house. attach a copy of Personal ID. Kartu Kredit Kartu kredit MasterCard dan Visa dengan beragam fasilitas yaitu: Fix ‘N Easy merupakan fitur pengalihan transaksi tunai maupun non tunai menjadi angsuran. telephone. Through out quick and simple process with low interest rate. Dengan proses yang cepat dan mudah serta bunga yang ringan. dan dengan jangka waktu yang fleksibel hingga 10 tahun untuk jaminan rumah atau hingga 3 tahun untuk jaminan mobil. Dengan proses yang cepat. fast and easy. competitive rates. CIMB Niaga Kredit Kepemilikan Rumah dapat menjadi pilihan utama dalam pembiayaan pemilikan hunian. health. tenor up to 20 years complemented with various installment options suited with customers needs. shop-house. Simply fill-in the application form. fasilitas untuk berbagai kebutuhan perjalanan baik domestik maupun internasional. cable TV. Quick Pay merupakan solusi pembayaran tagihan rutin. Kartu Kredit X-Tra diproses dengan sangat cepat bahkan langsung dapat diterima sesaat setelah pengajuan aplikasi permohonan (untuk cabang-cabang tertentu).Introduction Key Message Planning & Strategy Financial Performance Business & Operations Report Corporate Governance Social Responsibility Shareholders’ Information Corporate Data PINJAMAN INDIVIDU Kredit Kepemilikan Rumah Fasilitas pinjaman individu untuk pembelian rumah. ruko. CONSUMER LOANS Mortgage Loan Consumer loan facility.” this product is intended to fill the need of customers for a fast. balance transfer and reimbursement. With a speedy process. officehouse. cukup mengisi aplikasi permohonan dan melampirkan fotokopi KTP/identitas diri serta menjaminkan tabungannya. both for domestic and overseas travels. Credit Card MasterCard and Visa credit card products with a variety of features. and others needs with underlying assets of houses or automotive. menjadikan CIMB Niaga Kredit Kepemilikan Mobil sebagai pilihan utama dalam pembiayaan kendaraan anda. as well as Travel Comfort. kesehatan. With our slogan of “Everybody Can Have the X-Tra Credit Card. Application process is very fast. Produk kartu kredit ini dapat dimiliki oleh siapapun tanpa melihat status maupun jumlah penghasilannya. dan X-Tra manfaat menjadi kenyataan. which provides a range of facilities while travelling. villa and ready to build on land. apartemen. pendidikan dan segala kebutuhan lainnya dengan agunan berupa rumah atau kendaraan yang dimiliki. CIMB Niaga Auto Loan is the best choice for your car financing. seperti pembayaran listrik. easy and secure payment method in support of their modern lifestyle. dan internet serta jangan lewatkan Travel Comfort. cepat. apartment. X-Tra Credit Card X-Tra Credit Card realizes the dream of having a credit card. Kredit Multiguna Merupakan fasilitas pinjaman individu membiayai aneka kebutuhan seperti liburan. TV kabel. without regards to their status or income level. jangka waktu pinjaman hingga 20 tahun serta berbagai pilihan dalam cara pembayaran cicilan yang sesuai dengan kebutuhan nasabah. The loans can also be used for building and renovating homes. Bank CIMB Niaga Annual Report 2009 315 . Kredit Kepemilikan Mobil Fasilitas pinjaman individu untuk pembelian mobil baru atau bekas dengan angsuran tetap hingga 5 tahun. The CIMB Niaga Mortgage Loan is the best choice for housing financing. a feature to convert cash or noncash transactions into installment payments. meliputi transfer balance & reimbursement. Kartu Kredit X-Tra Kartu Kredit X-Tra membuat impian untuk memiliki kartu kredit dengan pasti. and the X-Tra credit card is yours. and Internet. maka Kartu Kredit X-Tra sudah pasti dimiliki. and with flexible loan tenor up to 10 years collateralized by houses and up to 3 years collateralized by automobiles. rukan. including: Fix ‘N Easy. Everybody can apply for this credit card product. Quick Pay for convenient payment of routine bills such as electricity. Selain itu juga dapat dipergunakan untuk keperluan pembangunan dan renovasi rumah. Multipurpose Loan Consumer loan facility for financing various needs such as a vacation. and at certain selected branches. Auto Loan Consumer loan facility for purchasing new or used cars with fixed rate installments of up to 5years.

ruko. Keunggulan lain dari Corporate Credit Card yang dapat dinikmati oleh pemegang kartu adalah dapat dipergunakan di seluruh dunia melalui jaringan merchant MasterCard Worldwide. office-house. Dalam hal pelayanan. KPR Fleksi and KPR Cicilan Tetap with the benefits including competitive rate. KPR Fleksi dan KPR Cicilan Tetap dengan berbagai keuntungan antara lain bunga yang kompetitif. Automotive Financing Financing facility for the purchase of new or second -hand car or for multipurpose loan. CIMB Niaga keeps developing SPEKTA (Sistem Elektronik Tercepat) to achieve the 3 days approval. atau kebutuhan multiguna. rukan. Airport lounge di beberapa bandara di Indonesia. supported by the extensive expertise and experience of the CIMB Group. PEMBIAYAAN INDIVIDU Pembiayaan Kepemilikan Rumah Adalah fasilitas pembiayaan untuk perorangan dengan tujuan pembelian property (rumah. as well as cash withdrawal facility (Quick Cash) in various currencies anywhere in the world. multipurpose. kavling). INDIVIDUAL FINANCING Mortgage Financing A financing private ownership of residential (house. serta fasilitas penarikan uang tunai dalam berbagai mata uang di seluruh dunia (Quick Cash). proses cepat. dengan keistimewaan yang melimpah serta penawaran produk dan investasi yang disesuaikan dengan kebutuhan Nasabah dan keluarga dengan keahlian dan pengalaman kaya yang dimiliki oleh CIMB Group. jangka waktu yang fleksibel hingga 5 tahun. with the cars as collateral. top up dan alih pinjaman dari bank lain. Bank CIMB Niaga terus mengembangkan program SPEKTA (Sistem Elektronik Tercepat) untuk mencapai proses 3 hari approval. apartemen. land). Corporate Card Corporate credit card was designed to provide a simple payment solution for a company to manage and monitor its payment as required and within the company policy. Singapore. Seorang Relationship Manager dan CIMB Preferred Call Centre khusus didedikasikan untuk melayani Nasabah CIMB Preferred. Dengan uang muka ringan. access to airport lounges at several airports in Indonesia. merupakan keuntungan yang akan di dapat oleh nasabah. flexible tenor up to 5 years. shop-house. flexible tenor and affordable down payment. jangka waktu yang fleksibel dan uang muka ringan. pembangunan rumah. the company’s expenses can be systematically made in line with the respective policy of the company. renovasi. where customers can enjoy exclusive privileges throughout the CIMB Preferred network in Indonesia. CIMB Niaga offers leading products such as KPR Reguler. OTHER SERVICES CIMB Preferred Priority banking services with various privileges and exclusive offers of investment and financial products suited to the needs of customers and their family members. apartment.Produk dan Layanan Products and Services Kartu Kredit Korporasi Kartu Kredit yang dirancang untuk memberikan kemudahan bagi perusahaan untuk mengatur dan memonitor pengeluaran menurut kebutuhan dan ketentuan perusahaan. and installment throughout the tenor. angsuran tetap selama jangka waktu pinjaman. multiguna. Customers will benefits from affordable down payment. Malaysia. perlindungan asuransi perjalanan dan perlindungan pembelanjaan selama perjalanan bisnis (Insurance Protection). LAYANAN LAINNYA CIMB Preferred Layanan prioritas perbankan yang eksklusif. top up and take-over from other bank. Dengan prinsip Account Structure. Pembiayaan Kepemilikan Mobil Adalah fasilitas pembiayaan yang diberikan dengan jaminan kendaraan untuk tujuan pembelian mobil baru. home renovation or construction. Malaysia dan Thailand. shopping insurance coverage during business travels. Another advantage for holders of Corporate Credit Card is that the card can be used anywhere in the world within the merchant network of MasterCard Worldwide. fast processing time. travel insurance benefits. pengeluaran perusahaan dapat dibuat secara sistematis menurut kebijakan masing-masing perusahaan. and Thailand. In service. Customers of CIMB Preferred are served by a dedicated Relationship Manager as well as the CIMB Preferred Call Center. Bank CIMB Niaga menawarkan beberapa produk unggulan antara lain KPR Reguler. 316 Bank CIMB Niaga Laporan Tahunan 2009 . Layanan CIMB Preferred memberikan layanan Lintas Regional dimana Nasabah akan dilayani secara istimewa di seluruh jaringan CIMB Preferred di Indonesia. Account structure. mobil bekas. Singapura. CIMB Preferred offers cross-border services.

HKD. PHP. such as USD. as well as free access to airport lounges attractive promo from various merchants in Indonesia. THB. INR. aman dan nyaman melalui jaringan kerjasama Bank CIMB Niaga dengan bank-bank dan perusahaan-perusahaan remittance di Malaysia. Brunei Darussalam. PHP. cepat dan aman. khusus untuk keperluan pelajar/ mahasiswa Indonesia yang menjalani pendidikan di luar negeri. Brunei Darussalam. Pembayaran Gaji Fasilitas MFTS yang khusus dipergunakan untuk melakukan pembayaran gaji ataupun benefit insentif lainnya kepada para karyawan secara aman dan mudah dengan cara memasukkan data karyawan dalam bentuk file format yang telah distandarisasi sesuai spesifikasi sistem perusahaan. Netherlands. Singapura dan Malaysia Quick Transfer Solusi terbaik bagi nasabah yang membutuhkan layanan transfer dana dalam lebih dari 130 jenis mata uang asing. Safe Deposit Box Rental facility for safety deposit box to keep valuable goods for both individual and corporate customers. terutama Malaysia dan Australia. biaya murah dan nyaman. Kingdom of Saudi Arabia. Mass Fund Transfer Systems (MFTS) A service that allow customers to submit instruction with large items in a quick and secure way. United Arab Emirate. Hong Kong. THB. Suitable for business with high volume of regular banking transaction. EUR. inexpensive. dan lain-lain (minor currencies) ke seluruh penjuru dunia dengan kualitas layanan yang cepat. AED. Bank CIMB Niaga Annual Report 2009 317 . Hong Kong. Quick Transfer Your best solution for global foreign currency funds transfer services in more than 130 currencies. low cost and convenient quality services. dan negara-negara lainnya di seluruh dunia. CHF for major currencies and MYR. and convenient remittance services through Bank CIMB Niaga’s network of correspondent banks and remittance houses in Malaysia. EUR. murah. Safe Deposit Box Fasilitas penyewaan kotak penyimpanan barang-barang berharga bagi nasabah perorangan maupun perusahaan yang disediakan dalam berbagai ukuran sesuai kebutuhan. Quwait. SGD. and other countries. AED. SGD. GBP. seperti SMS Notifikasi. antara lain USD. AUD. amount or the percentage of cash to be transferred or retained up to requested limits. Uni Emirat Arab. Student Transfer Your best solution for foreign currency fund transfer services to the Indonesian students studying overseas. KRW. especially in Malaysia and Australia. Bahrain. safe. CHF (major currencies) dan MYR. and Malaysia. etc for exotic currencies. CIMB Preferred customers can also enjoy exclusive facilities such as SMS Notification and special exchange rates. based on the customer’s instructions about date. Arab Saudi. Mass Fund Transfer Systems (MFTS) Fasilitas yang dapat digunakan oleh nasabah untuk melakukan pengiriman instruksi uang keluar/masuk secara massal dengan mudah. supported by our fast. HKD. Singapore. Kuwait. nilai tukar mata uang khusus. which is provided in various sizes as required. Bahrain. Belanda. Student Transfer Solusi terbaik nasabah yang membutuhkan layanan pengiriman dana dalam mata uang asing. INR. Autolink Layanan pengelolaan dana antar rekening yang dilakukan secara otomatis dan rutin. KRW. Sangat tepat digunakan bagi dunia usaha dengan aktivitas perbankan tinggi. JPY. GBP. CIMB Niaga Remittance Serves the Indonesian migrant workers by providing quick. CIMB Niaga Remittance Melayani kebutuhan pengiriman uang dari pekerja migran asal Indonesia secara cepat. Autolink Cash management service between different account automatically and routinely.Introduction Key Message Planning & Strategy Financial Performance Business & Operations Report Corporate Governance Social Responsibility Shareholders’ Information Corporate Data Nasabah juga dimanja dengan berbagai fasilitas dan biaya khusus. berdasarkan instruksi dari nasabah dalam hal tanggal. Payroll Services Employees’ salaries or other incentive payments service that uses MFTS facilities. jumlah atau prosentase dana yang ditransfer atau penentuan jumlah dana (saldo). serta berbagai penawaran menarik dari berbagai merchant dan akses (bebas biaya) ke airport lounge di Indonesia. JPY. This is done by submitting the employees data into file format that has been standardized in accordance with the company’s system. AUD.

electricity. mengatur risiko pinjaman dan/atau. Pembayaran dapat dilakukan secara manual melalui kantor cabang maupun secara online melalui fasilitas internet banking. Jenis tagihan rutin yang tersedia adaah pembayaran tagihan telepon. cepat dan murah. cost-effective solutions to complex problems related tax. Dalam melaksanakan tugasnya. Kunci layanan kami adalah fokus dalam menawarkan solusi yang bersifat tailor-made kepada nasabah yang sesuai dengan tujuan yang diinginkan dengan cara yang tepat dan efisien. including yield enhancement. Payment can be made manually through branches or through internet banking facility. Struktur Keuangan Divisi struktur keuangan membantu nasabah dalam mengatur neraca mereka melalui struktur utang yang optimal. etc. partner search. Pajak Impor Barang dan lainnya. The key focus is on offering clients tailor-made solutions that suit their objectives in the most complete and efficient way. listrik. 318 Bank CIMB Niaga Laporan Tahunan 2009 . mengefisienkan modal. dan Tabungan Pendidikan. debt restructuring. feasibility studies including assets valuation. Simpanan Dollar. Preferred Collection Services Layanan penagihan warkat-warkat Dollar AS yang tertarik di Amerika Serikat secara aman. and Education Savings. Advisori Korporasi Layanan jasa penasihat keuangan memfokuskan layanannya untuk perusahaan terbuka yang tercatat di Bursa Efek Indonesia (BEI). Corporate Advisory Corporate and project advisory focuses on advising and assisting public companies in the Indonesian Stock Exchange (IDX). dimana layanan yang kami tawarkan adalah menyediakan strategi terbaik untuk pertumbuhan perusahaan termasuk model dan analisis keuangan. perusahaan swasta dan investor. We provide value-added services by developing innovative. Structured Finance Structured Finance team advises clients in leveraging their balance sheet through optimal debt structures. cukai. Demand Deposits Rupiah/Forex. solicitors and accountants or other related authorities and collaborate with clients’ own consultants to achieve the optimum outcome. PPn. fast and affordable US Dollar collection services for USD bank drafts/cheques drawn in the United States of America. financial authorities and advice on the funding of the transaction. pencarian mitra strategis. Combined Statement A comprehensive banking service that integrates the management of all accounts in CIMB Niaga such as Bilyet Giro Rupiah/Forex. internet dan lain-lain. customs. Preferred Collection Services Secure. credit risk management and/or capital efficiency. which can be done through CIMB Niaga branches or electronic access (Akses Elektronik). Deposito Rupiah/Valas. communication or assistance in deal negotiations with other advisors and stakeholders. membantu klien dalam melakukan negosiasi dengan penasihat dan pemegang saham lainnya. import tax. Pembayaran Pajak Tersedia berbagai jenis pembayaran pajak termasuk PPh 21/23/25/26. tim struktur keuangan akan bekerjasama dengan pihak lain seperti konsultan pajak. Tax Payment Include various tax payment such as PPh 21/23/25/26.Produk dan Layanan Products and Services Laporan Terpadu Layanan yang mengintegrasikan pengelolaan semua rekening nasabah di CIMB Niaga seperti Giro Rupiah/Valas. guaranteed. bergaransi. Dollar Savings. restrukturisasi utang. accounting or regulatory issues which are used by clients to achieve their many financial objectives. Kami menyediakan layanan yang memiliki nilai tambah dengan perkembangan yang inovatif. large privately owned companies and investors whilst providing best corporate growth strategies including financial modeling and analysis. termasuk peningkatan imbal hasil. solusi biaya yang efektif untuk masalah-masalah kompleks yang terkait dengan pajak. Pembayaran Tagihan Rutin Dapat dilakukan melalui kantor cabang CIMB Niaga maupun fasilitas layanan Akses Elektronik. Bills payment Include various routine payments such as telephone. internet etc. studi kelayakanyang mencakup penilaian asset. The team work closely with tax consultants. serta otoritas keuangan terkait dan memberi pertimbangan dalam pembiayaan dari transaksi pendanaan dimaksud. PPn. pembukuan atau peraturan yang digunakan oleh nasabah untuk mencapai sasaran keuangan mereka. solicitor dan akuntan serta pihak otoritas yang terkait dan bekerjasama dengan konsultan yang ditunjuk nasabah untuk dapat mencapai hasil yang optimal.

Dynamic Duo Star Produk investasi berbentuk deposito berjangka waktu 3 tahun yang terhubung dengan kinerja dua index dan memberi jaminan atas nilai pokok transaksi untuk jangka waktu hingga maturity. where the fund’s owner gives permission to CIMB Niaga Syariah to manage the funds. with pre-determined ranges and 100% principal guaranteed if held to maturity. iB Junior Saving Third party deposit in the form of a savings account designed for children complying with the syariah principle of wadiah. Selain itu keuntungan lainnya adalah mendapatkan kemudahan membayar belanja dengan Kartu Debit CIMB Niaga Syariah dan kenyamanan transaksi tanpa batas waktu dan ruang dengan fasiltas Akses Elektronik CIMB Niaga Syariah. which linked to several Asia’s currencies with 100% principal guaranteed if held to maturity. The indices are dynamically managed based on risk and return optimization. in order to meet the customers’ need for innovative product to provide potential higher return than conventional deposit products. Tabungan IB Junior dapat dimiliki atas nama anak baik di passbook maupun di kartu debit. Star Choice Investment product with 3-years tenure. X-Tra Fixed Rate Produk investasi berbentuk deposito berjangka waktu 3 tahun yang memberikan tingkat pengembalian tetap di atas deposito konvensional dan memberi jaminan atas nilai pokok transaksi untuk jangka waktu hingga maturity CIMB NIAGA SYARIAH Tabungan iB X-Tra Syariah Adalah simpanan dana pihak ketiga dalam bentuk tabungan yang sesuai dengan prinsip syariah yaitu wadiah dimana pemilik dana memberikan kebebasan penuh kepada CIMB Niaga Syariah (mudharib) untuk mengelola dananya. CIMB Group. CIMB Group. with no prerequisite returns on the funds except in the form of a voluntary bonus from the Bank. CIMB NIAGA SYARIAH iB X-Tra Syariah Savings (Wadiah) Third party deposit in the form of a savings account complying with the syariah principle of wadiah. kecuali dalam bentuk pemberian bonus yang bersifat sukarela. Tidak disyaratkan adanya imbalan tertentu. Bank CIMB Niaga Annual Report 2009 319 . X-Tra Fixed Rate Investment product with 3 years tenure that gives customer a fixed coupon paid quarterly above regular time deposits and a 100% principal guaranteed if held to maturity X-Tra Range Accrual Produk investasi berbentuk deposito berjangka waktu 3 tahun yang terhubung dengan nilai tukar USD/IDR dan memberi jaminan atas nilai pokok transaksi untuk jangka waktu hingga maturity. Dynamic Duo Star Investment product with 3-years tenure that offers potential returns based on the performance of two indices with 100% principal guaranteed if held to maturity. The account can be registered with children name on both passbook and debit card. Star Choice Produk investasi berbentuk deposito berjangka waktu 3 tahun yang terhubung dengan sejumlah mata uang Asia dan memberi jaminan atas nilai pokok transaksi untuk jangka waktu hingga maturity. dari pihak bank.Introduction Key Message Planning & Strategy Financial Performance Business & Operations Report Corporate Governance Social Responsibility Shareholders’ Information Corporate Data Market Linked Deposit Market Linked Deposit merupakan kelompok produk investasi yang merupakan hasil dari inisiatif sinergi dengan Grup Tresuri. Tabungan iB Junior Adalah simpanan dana pihak ketiga dalam bentuk tabungan yang dirancang khusus untuk anak-anak yang sesuai dengan prinsip syariah yaitu wadiah. X-Tra Range Accrual Investment product with 3-years tenure. The Wadiah saving account also provides debit card that can be used for online payment for purchases and the ability of banking transactions unlimited by time or space using the CIMB Niaga Syariah Electronic Access. which linked to USD/IDR exchange rate. dalam rangka memenuhi kebutuhan nasabah akan produk inovatif yang menghasilkan tingkat pengembalian yang lebih tinggi dibandingkan dengan produk konvensional. Market Linked Deposit Market Linked Deposit product is a new investment product class resulting from the synergy effort with Group Treasury.

mendapatkan nisbah bagi hasil yang menarik. mobil bekas. flexible tenor and affordable down payment. attractive level of profit sharing. with car ownership as collateral. Pembiayaan Kepemilikan Rumah Adalah fasilitas pembiayaan untuk perorangan dengan tujuan pembelian property (rumah. setoran akan didebet langsung secara otomatis per bulan dengan jumlah setoran yang fleksibel. Murabahah Commercial Financing Financing facilities based on murabahah (trading) principles whereby installment system can be choose in accordance to customer’s cash flow. pembangunan rumah. CIMB Niaga offers leading products such as KPR Reguler. Dengan uang muka ringan. Pembiayaan Komersial Murabahah Fasilitas pembiayaan berdasarkan prinsip murabahah (“jual beli”) dimana sistem angsuran dapat dipilih sesuai dengan cashflow nasabah. jangka waktu yang fleksibel hingga 5 tahun. proses cepat. a flexible monthly deposit amount. and fixed installment payments during the loan tenor. land). Pembiayaan Kepemilikan Mobil Adalah fasilitas pembiayaan yang diberikan dengan jaminan kendaraan untuk tujuan pembelian mobil baru. KPR Fleksi and KPR Cicilan Tetap with the benefits including competitive rate. and a convenient auto-debit facility for the monthly deposit payment. rukan. and flexible amount of deposit to suit the financial ability of account holders. fast application process. making various bill payment transactions using the CIMB Niaga Quick Pay system. top up and take-over from other bank. top up dan alih pinjaman dari bank lain. renovasi. pengelolaan dan otomatis antar rekening serta dapat digunakan sebagai referensi bank. ruko. Tabungan iB Perencanaan (Mudharabah) Tabungan berjangka dalam mata uang Rupiah yang dirancang untuk mewujudkan rencana masa depan dengan berbagai keuntungan yang didapat nasabah seperti perlindungan asuransi jiwa dan rawat inap dengan premi gratis. angsuran tetap selama jangka waktu pinjaman. The Bank may give a bonus for account holders although it is not predetermined in advance. 320 Bank CIMB Niaga Laporan Tahunan 2009 . Deposito iB Syariah Rekening simpanan berjangka berdasarkan prinsip bagi hasil (mudharabah) dengan nisbah yang disepakati pada saat pembukaan rekening. Tersedia pilihan murabahah modal kerja dan investasi. are some of the benefits offered to customers. KPR Fleksi dan KPR Cicilan Tetap dengan berbagai keuntungan antara lain bunga yang kompetitif. shop-house. This includes working capital and investment financing. multipurpose. home renovation or construction. Dengan memiliki Tabungan IB Pendidikan banyak manfaat yang akan didapat nasabah seperti mendapatkan perlindungan asuransi dengan premi gratis. atau kebutuhan multiguna. automatic inter-account fund management capability. including the convenience of using cheque for a variety of business transactions. flexible tenor up to 5 years. multiguna. Auto Financing A financing facility for the purchase of new or second-hand cars or for multi-purpose cash loan. apartment. kavling). iB Plan Savings (Mudharabah) A term savings account in Rupiah currency that is designed to facilitate the realization of customer’s future plans. Highly affordable down payment. iB Syariah Time Deposit Time deposit based on profit sharing principles (mudharabah) with agreed return on the opening of the account. Giro iB Syariah (Wadiah) Simpanan dana pihak ketiga dalam mata uang Rupiah dengan berbagai keuntungan yang didapat dinikmati oleh penabung seperti kemudahan bertransaksi bisnis dengan menggunakan cek dan bilyet giro dan dapat melakukan transaksi pembayaran aneka tagihan melalui CIMB Niaga Quick Pay. an attractive profit-sharing scheme. mendapatkan bagi hasil yang menarik dan setoran yang fleksibel sesuai dengan kemampuan penabung. iB Syariah Current Account (Wadiah) A customer current account in Rupiah currency offering various benefits for account holders. Mortgage Financing A financing private ownership of residential (house.Produk dan Layanan Products and Services Tabungan iB Pendidikan (Mudharabah) Tabungan berjangka yang disiapkan untuk membantu orang tua dalam merencanakan biaya penidikan buah hatinya dalam mata uang Rupiah. Bank mungkin akan memberikan bonus kepada nasabah walaupun tidak diperjanjikan dimuka. merupakan keuntungan yang akan didapat oleh nasabah. office-house. and also can be used as a bank reference. offering various benefits for account holders such as free life insurance and hospitalization insurance coverage. apartment. CIMB Niaga menawarkan beberapa produk unggulan antara lain KPR Reguler. The Buah Hati Savings account offers various benefits for account holders such as free insurance protection. jangka waktu yang fleksibel dan uang muka ringan. iB Education Savings (Mudharabah) A term savings account in Rupiah denomination. intended to help parents in planning their children education.

Introduction Key Message Planning & Strategy Financial Performance Business & Operations Report Corporate Governance Social Responsibility Shareholders’ Information Corporate Data Kartu Debit CIMB Niaga Syariah Merupakan pengembangan fitur kartu ATM CIMB Niaga Syariah untuk dapat bertransaksi dijaringan ATM Plus dan sebagai kartu debet di merchant yang berlogo VISA. which will be paid from the income derived from operations of the capital goods purchased. yang diberikan dalam mata uang rupiah maupun valuta asing untuk pembiayaan pengadaan barang-barang modal untuk rehabilitasi. perluasan ataupun pendirian proyek baru maupun refinancing. project financing or re-financing. Pencairan dan pelunasan disesuaikan dengan kondisi keuangan nasabah. Working Capital Financing Short-term loan facility based on murabahah (trading) principles and profit sharing (musyarakah and mudharabah) to support working capital of the customer. Pembiayaan Modal Kerja Fasilitas pembiayaan jangka pendek berdasarkan pada prinsip jual beli (murabahah) dan bagi hasil (musyarakah dan mudharabah) untuk menunjang modal kerja nasabah. bagi hasil (musyarakah dan mudharabah) dan Ijarah Muntahiya Bit Tamilk (IMBT) untuk menunjang modal kerja nasabah. Syariah Debit Card A development on the feature of CIMB Niaga Syariah ATM card that facilitates transactions in ATM Plus network and as Debit Card at merchants displaying the Visa logo. Pembiayaan Investasi Fasilitas pendanaan jangka menengah berdasarkan pada prinsip jual beli (murabahah). PINJAMAN KORPORASI Kredit Modal Kerja Fasilitas kredit jangka pendek yang diberikan dalam mata uang rupiah maupun valuta asing untuk membiayai kebutuhan modal kerja yang habis dalam satu siklus usaha dengan jangka waktu maksimal 1 (satu) tahun. yang pelunasannya bersumber dari hasil usaha dengan barang-barang modal yang dibiayai. Pencairan dan pelunasan disesuaikan dengan kondisi keuangan nasabah. business expansion. CORPORATE LOAN Working Capital Loan A short-term bank loan in Rupiah or foreign currencies to support the working capital needs within a single business cycle. Ijarah Muntahiya Bit Tamilk (IMBT) to support working capital of the customer. Disbursement and payment is according to the financial condition of the customer. or a maximum of 1 (one) year. Disbursement and payment is according to the financial condition of the customer Investment Financing Medium-term loan facility based on murabahah (trading) principles and profit sharing (musyarakah and mudharabah). modernisasi. Kredit Investasi Fasilitas kredit jangka menengah dan jangka panjang. Bank CIMB Niaga Annual Report 2009 321 . Investment Loan A Medium and long-term loan facility in Rupiah or foreign currency to finance the purchase of capital goods (capex) for purposes of plant rehabilitation or modernization.

1.3 Jakarta Pusat 10710 Pasar Baru Jl. 7-8 Jakarta 10220 Benhil Ruko Bendungan Hilir Raya Blok A No. Star Delta Building Blok A/18 Jl. Fax. Blok A 25 . Kramat Raya No. Pecenongan Raya Ruko Pecenongan Raya No. Tel. 51. Gunung Sahari Raya No. Kwitang No. JI. Tel. Sukarjo Wiryopranoto No. 55 Blok A1/12A Jakarta Pusat Musatek Jl. Tel. : (021) 7278 1363 : (021) 7278 1360 Tel. 177 A-B Jakarta Pusat 10250 Ps. Pasar Baru No. 42E Jakarta Pusat Kebon Sirih Jl. Fax. 7 Blok A2 . BL A/20. 17E Jakarta Pusat 10110 Cempaka Mas Rukan Graha Cempaka Mas No. 60877 nagaho ia Web : www. Tangerang KANTOR PUSAT 4 / HEAD OFFICE 4 Gajah Mada Jl. Hasyim Ashari Kav B-1 No. Karang Anyar No. : (021) 6387 3232 : (021) 6387 3250 Tel. Jl. : (021) 7486 2001 Tel. Jend. Jl. Kebun Jeruk III No. : (021) 6385 7667 : (021) 6385 7612 : (021) 315 6721 : (021) 315 6781 : (021) 230 1005 : (021) 230 1236 : (021) 230 0687. Tanah Abang Blok A Gedung Blok A Basement I Los F No. Tel. Hayam Wuruk No. Fax. Unit L-16 Lower Ground. Jakarta 10450 Tel. Fax. 103 Jakarta Pusat Tel. 60877 Swift : BNIDJA Roxy Mas Komp. 3. Tel. Jakarta Pusat 10250 Tanah Abang Bukit Lantai Dasar Blok E Los A 12 A No. Taman Sari Jakarta Pusat Karang Anyar Komp. 4 Jakarta Pusat 10150 ITC Roxy Mas ITC Roxy Mas Lt. Tel. Fax. 18. Tel. 3-4 & 8-10 Jakarta Pusat 10250 PGMTA Pusat Grosir Metro Tanah Abang Banking Center. Maphar. Tanah Abang Jakarta Pusat 10240 Cideng Jl. Gajah Mada No. Tanah Abang Blok F Ps. 60876. : (021) 626 1259 : (021) 659 1917 Tel. Asia Afrika Jakarta 10270 Tel. Lt. Suprapto Jakarta Pusat 10620 Senayan City Mall Senayan City. Fax. Tangerang 15810 KANTOR PUSAT 3 / HEAD OFFICE 3 Griya Niaga Bintaro Jl. 148. Cempaka Putih Raya No. : (021) 421 5960 : (021) 4288 5277 Tel. Fax. Bintaro Jaya Sektor VII. 15. Fax. Fax.Alamat Kantor Bank CIMB Niaga Bank CIMB Niaga Directories KANTOR PUSAT 1 / HEAD OFFICE 1 Graha Niaga Jl.co. 53A Jakarta Pusat Gajah Mada Tower Gajah Mada Tower TOG 003 GF Jl. Jakarta 10130 KANTOR CABANG / BRANCH OFFICE Jakarta Pusat / Central Jakarta Gajah Mada. Jend. Wahid Hasyim No. 3190 9570 : (021) 3190 9717 : (021) 424 2506 : (021) 4287 5165 : (021) 601 1427 : (021) 601 1425 : (021) 5100 0091-3 : (021) 5100 0096 : (021) 571 4513 : (021) 571 4504 : (021) 421 2582 : (021) 421 2612 : (021) 384 8150 : (021) 384 8152 Hayam Wuruk Jl. Gajah Mada No. Fax.Tanah Abang Blok F Lt. Tel. Kebon Sirih No. Tel. : (021) 624 8554 : (021) 649 2665 : (021) 6386 5966 : (021) 6385 4221 Tel. Fax. Fax.com E-mail : corsec@cimbniaga. : (021) 633 8987 : (021) 633 0015 Tel. 18 Jakarta 10130 Thamrin Jl. 20F Jakarta 10510 ITC Mangga Dua Ruko Tekstil Blok C-VI No. Fax. 1-9 Jakarta Pusat Pintu Air Jl. Jakarta 12930 Kramat Jl. Fax. 58 Jakarta 12190 Tel. Hayam Wuruk No. : (021) 250 5151 / 5252 / 5353 Fax. Tel. KH Hasyim Ashari No.id Telex : 60875. Cideng Barat 61–61A Jakarta Pusat 10150 Tel. Tel. 71A. : (021) 3003 9274–6 : (021) 3003 9285 Tel. Tel. Jend. 1 Jakarta 10730 Wisma Nugra Santana Jl. Fax. Jl. Kec. : (021) 626 6278 : (021) 600 8606 KANTOR PUSAT 2 / HEAD OFFICE 2 Menara CIMB Niaga Jl. Tel. Tel. H.cimbniaga. Fax. Letjen. Fax. Pintu Air Raya No. Fax. Tel. Thamrin No. Wahid Hasyim Blok B-IV No. Fax. P. : (021) 6385 7667 : (021) 6385 7612 Tel. Gambir Jakarta 10110 Unika Atmajaya Kampus Atmajaya. Fax. Pertokoan Karang Anyar Permai Jl. Fax. Gunung Sahari No 73C Jakarta 10610 Pecenongan Jl. 6 Unit 12 B Jl. Tel. 88 Jakarta Pusat Jayakarta Jl. Roxy Mas Jl. Sudirman Kav. 53 Jakarta Pusat 10350 Cikini Jl. 125 Jakarta Pusat Taman Sari Jl. Fax. Cikini Raya No. 3. 19-26 Jakarta Pusat 10130 Hayam Wuruk Plaza Jl. 2 Los AKS No. 117 Blok A6-7 Jakarta Pusat 10730 Gunung Sahari Jl. Fax. Gajah Mada No. : (021) 351 8985 : (021) 351 8986 : (021) 380 5609 : (021) 345 8544 : (021) 600 8387 : (021) 659 9713 : (021) 626 5460 : (021) 626 0908 : (021) 230 1179 : (021) 230 0918 : (021) 392 1034 : (021) 392 1031 : (021) 315 6688 : (021) 315 4342 : (021) 230 3163 : (021) 230 3160 : (021) 380 6181 : (021) 380 6148 Tel. Fax. Jakarta Pusat 10240 Ps. Suryapranoto No. Fax. Tel. Fax. M. 1 Jakarta Pusat 10120 Suryopranoto Komp. Fax. 546 0555 Tel. Jakarta 10210 Gunung Sahari Jl. Tel. : (021) 546 0666.27 Jl. 33 Jakarta Pusat 10340 Wahid Hasyim Jl. Fax. Fax. Tel. Fax. 17-18. Tel. Fax. Jakarta 10330 Gambir Jl. Boulevard Diponegoro 101 Lippo Karawaci. : (021) 629 0553 : (021) 649 4812 : (021) 231 1638 : (021) 231 0489 : (021) 380 2829 : (021) 384 0642 Tel. Fax. Jayakarta No. 87. Sudirman Kav. Wahid Hasyim. 390 6304 : (021) 230 0665 : (021) 570 8802 : (021) 572 2224 : (021) 3190 9471. 39A Kel. : (021) 250 5205 Telex : 60876 nagaho ia. Fax. Cempaka Putih Jl. : (021) 385 9633 : (021) 385 9638 322 Bank CIMB Niaga Laporan Tahunan 2009 . Fax. Sudirman Kav. Tel. Fax.

Senen Raya 44 Jakarta Pusat 10410 Proyek Senen Pasar Proyek Senen Blok I Lantai IV No. Jakarta 12950 Metro Pondok Indah I Jl. 5. : (021) 5366 3250 : (021) 5366 4232 Tel. Simatupang Kav. Fax. 51 Jakarta Pusat 10350 Wisma BNI 46 Wisma 46. H. : (021) 725 1550 : (021) 725 1477 : (021) 830 1774 : (021) 829 9032 : (021) 765 6523 : (021) 750 4812 : (021) 798 2170 : (021) 797 0551 Tel. Fax. Fax. Thamrin No. Fax. 62 Kuningan. : (021) 572 0768 : (021) 574 3013 : (021) 2510 593 : (021) 251 0594 Mahakam JI. 20 M Kel. : (021) 750 3541–3 : (021) 751 3915 Tel. Ground floor Jl. 68 Jakarta Pusat 10520 Rawasari Jl. Supomo SH No. Jakarta 12310 Tel. 28 . Gunung Sahari Selatan Jakarta Pusat 10610 Kenari Pertokoan Kenari Baru Lt. MH Thamrin Kav. Jend.Introduction Key Message Planning & Strategy Financial Performance Business & Operations Report Corporate Governance Social Responsibility Shareholders’ Information Corporate Data RSAL Mintoharjo Jl. : (021) 391 3993–94 : (021) 230 3622 Tel. Fax. Tel. : (021) 766 0811 : (021) 766 0812 Tel. Fax. : (021) 426 9537 : (021) 420 7847 Tel. : (021) 392 9489 : (021) 392 9487 Tel. Sudirman Kav. Mahakam I No. B. Arteri Permata Hijau Grogol Utara. Sultan Iskandar Muda Blok V TA Jakarta 12310 Falatehan JI. H. Tel. Jl. Tower E Ground Floor Jl. RP Soeroso No. Fax. Jend. Jl. Fax. Fax. T. X–O Kuningan. Dr. : (021) 526 1069 : (021) 252 2376 Tel. Fax. Cipulir Raya No. Gatot Subroto Kav.37 : (021) 719 9732 : (021) 5793 1047–9 : (021) 5793 1046 Tel. 58. Satrio RT/RW 08/03 Jakarta 12940 Sucofindo Graha Sucofindo Lantai 1 Jl. Buncit Raya No. 88. 15A Tebet. Metro Pondok Indah. Jakarta 12520 Coffee Banking Wisma Metropolitan I. Salemba Raya No. Fax. Fax. 67–69. Fax. Jend. 3 Jakarta Pusat 10340 Plaza Indonesia Plaza Indonesia Shop Unit # E16A. Falatehan I No. 20 Jakarta 12140 Mampang Mampang Plaza Jl. 29–31 Jakarta 12920 PI Mall 2 Mall Pondok Indah 2 Ground Floor unit No. 99 Jakarta 12310 Setiabudi Building II Ground Floor JI. Jakarta 12190 Wisma Pondok Indah Wisma Pondok Indah. Jakarta 12950 Bona Indah Komp.30 Jakarta Pusat Cempaka Putih Komp. Sudirman Kav. Thamrin Kav. Tel. 27 Jakarta 12160 Tel. Fax. Tel. : (021) 422 4840-41 : (021) 422 4842 : (021) 4288 7623–24 : (021) 4288 3100 Tel. Bendungan Hilir No. Tel. M. Jl. Angkasa No. 34 Jakarta 12780 Permata Hijau Ruko Grand Permata Hijau Emerald No. 15 Jakarta Pusat Plaza BII Plaza BII TW. Fax. 3 Jl. M. Fax. 2 Jakarta Pusat Senen Gedung Jakarta L’Loyd Lantai Dasar Jl. : (021) 7918 8303–5 : (021) 7918 8307 Tel. Fatmawati No. Fax. : (021) 734 3344 : (021) 734 3355 : (021) 7279 3900 : (021) 7279 8300 : (021) 7590 9101 : (021) 7590 9102 : (021) 252 3236 : (021) 252 2376 Tel. Letjen Suprapto No. Fax. Fax. : (021) 270 2888. Jl. Fax. Hos Tjokroaminoto No. : (021) 250 5050 : (021) 250 5458 : (021) 769 7101 : (021) 769 7109 Tel. Fax. Kota BNI Suite G 11 GF Jl. Tel. 36 Jakarta Pusat 10210 Menteng Jl. : (021) 390 5376 : (021) 310 6544 : (021) 314 6719 : (021) 314 6720 Tel. Fax. : (021) 391 4450 : (021) 391 4289 Tel. 47-D Jakarta 12730 Ambasador Ruko Mall Ambasador No. Fax. HR Rasuna Said Kav. Fax. Blok II UA Kav. Prof. Sudirman Kav. Fax. : (021) 719 9812 . HR Rasuna Said Kav. 5 Cilandak Jakarta 12440 Kemang II JI. Cempaka Putih Permai Jl. Kebayoran Jakarta Selatan 12210 Arcadia Perkantoran Hijau Arcadia. 5-6 Jl. Fax. : (021) 572 2011 : (021) 572 2013 Tel. 14. Fax. Fax. Fax. Perumahan Bona Indah Blok A 2A No. Fax. Sudirman Kav. G33D Jl. Tel. Fax. Jakarta 12810 Fatmawati JI. Tel. Metro Duta Niaga Pondok Indah Plaza I. 81 Jakarta Pusat 10310 Cikini Gedung Jiwasraya Jl. Ground Floor JI. : (021) 381 0831 : (021) 381 0830 Tel. : (021) 3983 8270 : (021) 3983 8269 Tel. : (021) 426 7339-40 : (021) 426 7344 Tel. Tel. R-5 JI. Fax. 1 Jakarta Pusat 10220 Menara Thamrin Menara Thamrin Lantai 1 Suite 103 Jl. Tel. Fax. 17 Jakarta Selatan 12230 ITC Fatmawati Ruko ITC Fatmawati No. : (021) 420 4111 : (021) 420 3366 Tel. E17 Lt. Fax. 270 0555 : (021) 720 0207 Bank CIMB Niaga Annual Report 2009 323 . : (021) 829 3751–7 : (021) 829 3758 : (021) 527 2801 : (021) 527 2806 . Menteng Jakarta Pusat 10350 Graha Unilever Graha Unilever Basement Floor Jl. Fax. Lapangan Roos Raya No. 8 Jakarta 12820 Grand Melia Kuningan Graha Surya Inter Nusa JI. Fax. Jakarta Pusat 10410 Cempaka Mas Rukan Graha Cempaka Mas D-6 Jakarta Pusat Jakarta Selatan / South Jakarta Sudirman Graha Niaga. 17 Jakarta Pusat 10210 Wisma Benhil Wisma Benhil Blok A No. Fax. : (021) 526 0857 : (021) 526 0858 Tel. Jakarta 12310 Cipulir Jl. Raya Pasar Minggu Kav. Jend. : (021) 7592 0465 : (021) 7592 0460 Tel. Tel. Tel. Fax. 18. 10 Jakarta 12140 RPX Centre (FEDEX) JI. Percetakan Negara 167 CA Rawasari Jakarta Pusat 10570 Kemayoran Jl. : (021) 7883 7663 : (021) 7883 7721 Tel. 8. 100 Jakarta 12790 Lapangan Roos JI.2979 Tel. Jakarta 12130 Tebet Jl. Kemang Raya No. 41. Ciputat Raya Kav. 2 Blok C 9–12.

B-5 Jakarta Selatan 12910 Menara Imperium Jl. Tel. Tel. Blok D3 No.40 : (021) 5835 7044 Tel. : (021) 5699 9195 : (021) 5699 9196 : (021) 544 1445 : (021) 544 1466 Tel. 20 Bintaro Jakarta Selatan Cinere Jl. Permata Hijau Blok D No. Woltermonginsidi No. : (021) 725 8343–46 : (021) 725 8344 Tel. HR. : (021) 270 2823–24 : (021) 723 6369 Tel. Tel. : (021) 629 3302 : (021) 629 3818 324 Bank CIMB Niaga Laporan Tahunan 2009 . 52–53 Jakarta Selatan 12190 Fatmawati Jl. 31H–31 I Jakarta Selatan 16514 Stock Exchange Building GF Suitte G 03–04. 15. 5–6 Jakarta Selatan 12240 Cipulir ITC Cipulir. Tel. H. Fax. Gd. Tel. Arteri Iskandarmuda No. Tel. Fax. 15–16 Meruya Utara. : (021) 7388 5479 : (021) 7388 7977 : (021) 754 3858 : (021) 754 2467 : (021) 515 1231 : (021) 515 1235 Tel. 1 Jakarta Selatan 12980 Lippo Plaza Gd. S. Tel. 35–36 Jakarta Selatan 12950 Wolter Monginsidi Jl. Tel. : (021) 520 5670–90 : (021) 252 2526 Tel. Pasar Minggu KM. Fax. 98 C Jakarta Selatan 12510 Kemang Jl.Lippo Plaza Jl. K. Fatmawati Raya No. 1 Jakarta 12730 Kuningan Plaza Kuningan Plaza South Tower Suite 101 Jl. Pos Pengumben Raya. Jend. Citra Graha Jl. Fax. Fax. Fax. Tel. Fax. Fax. : (021) 251 0584–89 : (021) 251 0583 Tel. Tel. Sudirman Kav. Fax. BEJ Tower 2 Jl. RC. Tel. : (021) 8379 2322–26 : (021) 8379 2320 : (021) 252 4860–61 : (021) 252 5070 Tel. 71–73 Jakarta 12870 The Bellagio Boutique Mall Kawasan Mega Kuningan Barat Kav. Fax. 81 Jakarta Selatan 12160 Bintaro Jl. Fax. 7/MN 02 Sektor VII Bintaro Jakarta Selatan 15226 Hero Bintaro Jl. Fax. Tel. 50 Jakarta Selatan 12130 Panglima Polim Jl. Citra II Niaga. Fax. Komp. Fax. 84 B Jakarta 14140 Roxy Mas Jl.Gatot Subroto Kav. Mampang Prapatan No. Fax. 18 Jakarta Selatan Permata Hijau Jl. Fax. : (021) 260 0260 : (021) 260 0258 : (021) 566 0904 : (021) 566 8276 : (021) 586 5122 : (021) 586 5127 Tel. Fax. Fax. Teuku Nya Aries Kebayoran Lama Jakarta Selatan 12220 Ps Kebayoran Lama Jl.44 Jakarta Barat 11150 Tel. HR Rasuna Said Kav. : (021) 3006 6176 : (021) 3006 6174 Tel. Raya Cinere No. Fax. No. Fax. 3 Setiabudi Jakarta Selatan Kebayoran Lama Jl. 21. 35 F Kebayoran Baru Jakarta Selatan 12240 Simprug Terrace Apartemen Simprug Teras Jl. Jend. Roa Malaka Selatan No. Fax. Bintaro Raya Blok E 15–16 Sek. Puri Kencana Blok M8-3Q Kembangan Selatan Jakarta 11610 Mangga Dua Ruko Mall Mangga Dua No. : (021) 5366 9051 : (021) 5366 9052 Tel. Fax. Fax. Fax. : (021) 270 0250 : (021) 270 0248 : (021) 270 0285 : (021) 270 0293 : (021) 7388 0088 : (021) 7388 1688 : (021) 745 2941. Kemang Raya No. Tel. Mugi Griya Jl.42 : (021) 745 2943 Tel. Kebon Jeruk Jakarta 11620 Pasar Puri Ruko Pasar Puri. Lobby Bidakara Jl. : (021) 5830 4751 : (021) 580 3359 : (021) 5822 639 . Melawai Raya No. Jakarta 11550 Mall Taman Anggrek Ground Level Ruang C1 Jl. Tomang Raya No. Fax. Fax. Jend. No. 10 Cilandak Jakarta Selatan 12430 Pondok Indah Metro Pertokoan Plaza I Kav. : (021) 828 2772–73 : (021) 828 2772 : (021) 252 1333 : (021) 252 2564 Tel. 29–30 Jakarta Selatan 12920 Gatot Subroto Gd. Tel. : (021) 6230 3837 : (021) 6230 3845 : (021) 5694 0094 : (021) 5694 0096 : (021) 633 9484 . Tel. Tel. : (021) 8370 0431 : (021) 8370 0433 Mugi Griya Gd. E4 No. 25 Jakarta Selatan 12920 Metropolitan II Wisma Metropolitan II Jl. 10 Jakarta Selatan 12810 Kuningan Lippo Life Plaza Centris Jl. Fax. 25 Jakarta 11440 Kebon Jeruk Taman Aries Blok H-1. Ruko Sentra Menteng Blok B. Blok A No. I Bintaro. C. Fax. 19 No. 101 Jakarta Selatan 12790 Pasar Minggu Jl. Jakarta Selatan 12320 Bintaro Jaya Sektor VII Jl. Tower II Jl. Fax. Fax. Fax. Rasuna Said Kav. Hasyim Ashari Roxy Mas. 2. Fax. Jl. 11–14 Jakarta Selatan 12940 Melawai Jl. Fax. 3–5 Kota Jakarta 11230 Tomang Jl . Gatot Subroto. HR Rasuna Said Kav. Kav. 88 J Jakarta Selatan 12000 Jakarta Barat / West Jakarta Kota Jl. 11 Jakarta 10730 Tanjung Duren Ruko Tanjung Duren Raya No. Fax. Parman Kav. Utan Jati Blok H3. Fax. Tel. Panglima Polim Raya No. : (021) 7581 8980 : (021) 750 4257 : (021) 7591 1233 : (021) 765 5104 Tel. MT Haryono Kav. Jakarta 11470 Citra Garden II Komp. Veteran No. Sudirman Kav. 4 Pondok Indah Jakarta Selatan 12310 Tel.9477 : (021) 633 9483 : (021) 5596 2942 : (021) 5596 2949 Tel. Cengkareng Jakarta Barat 17730 Joglo Apartemen Permata Eksekutif Lobby 1st Floor. Ruko Citra II Blok B/8. Fax. Fax. Jl. Tel. Sudirman Kav. : (021) 7278 7656 : (021) 7278 7663 Tel. Tel. Tel. 9 Jakarta 11610 Puri Kencana Jl. Fax. Fax. Ciledug Raya No. UA. Kebayoran Lama No. Tel. Kalideres Jakarta 11840 Glodok Plaza Ruko Komplek Glodok Plaza Blok H No.Alamat Kantor Bank CIMB Niaga Bank CIMB Niaga Directories Bidakara Menara Bidakara. : (021) 270 0261 : (021) 270 0263 : (021) 739 5046 : (021) 739 6008 : (021) 530 2315 : (021) 530 2314 : (021) 794 0250 : (021) 798 9260 : (021) 794 6220 : (021) 794 6218 : (021) 7199 9272 : (021) 719 925 : (021) 252 1669 : (021) 252 1974 Tel. Fax. C30 Jakarta Selatan 12210 Warung Buncit Jl. Jakarta 10150 Taman Palem Perum Taman Palem Lestari Blok D1 No.

9. Pluit Sakti Raya No. 84 Kec. Fax. Fax. Tel.2459 : (021) 260 1876 : (021) 260 1874 Tel. 129 B Jakarta Barat Citraland Mall Ciputra LG No. 57 Jl. Moh. Fax. : (021) 661 0961 : (021) 661 0662 : (021) 668 3542 : (021) 6667 0151 Bank CIMB Niaga Annual Report 2009 325 . 48 A Jakarta Barat 11430 Mall Taman Anggrek Ground Level Lot VII Jl. Fax. 9 Jakarta Barat 11160 Jembatan Lima Jl. Bina Nusantara Jl. H. Fax. Jakarta Barat 11630 Tomang Raya Jl. Tel. 6 Kelapa Gading. 32 G Jakarta Barat RSAB Harapan Kita Jl. Fax. : (021) 600 9422 : (021) 260 1545 : (021) 6385 1871 : (021) 634 8435 : (021) 6900 357-58 : (021) 6900 211-12 : (021) 6900 370–5 : (021) 6900 370–5 : (021) 690 9223 : (021) 691 1212. Jakarta 14460 Pantai Indah Kapuk 2 Rukan Exclusive Bukit Golf Mediterania Blok A No. Mansyur No. Intercon Plaza Blok F 12–12 A Jl. Kelapa Gading Park View Jl. : (021) 5596 6094 : (021) 5596 6134 Tel. Tel. Fax. Tel. Boulevard Raya LB 3 No. 30 Penjaringan Kamal Muara Pantai Indah Kapuk Jakarta Utara Pluit Jl. Tel. Fax. Fax. Fax. Tel. Sukarjo Wiryopranoto No. 1 Penjaringan Jakarta Utara 14450 Muara Karang Jl. Parman Kav. Kel. : (021) 550 2370 : (021) 5591 1249 Tel. Tel. : (021) 581 9757 : (021) 581 9743 Tel. Fax. Fax. Fax. Kebon Jeruk Jakarta Barat 11180 Lokasari Komplek THR Lokasari Blok B No. Tel. Raya Barat Boulevard Blok LC 8 No. Tel. Tel. Tel. 79–79A Jakarta Barat 11250 Kota Jl.9 No. 87 Jakarta Barat Daan Mogot Jl. Fax. 28–29 Jakarta Barat 11230 Mangga Besar Jl. Tel.1595 : (021) 563 9055 : (021) 563 9077 Tel. Tel. Fax. Fax. : (021) 260 1694 : (021) 260 1726 : (021) 260 1919 : (021) 260 1925 Tel. Tel. Cengkareng Jakarta Barat Kebon Jeruk Komp. Kedoya Utara Jakarta Barat 11520 Taman Palem Lestari Perum Taman Palem Lestari Blok D1 No. Fax. Pluit Permai Raya Jakarta Utara 14450 Tel. 20 Jakarta 14240 Pantai Indah Kapuk I Pantai Indh Kapuk Ruko Mediterania Tahap II Blok K BK Pluit. : (021) 5367 5009 : (021) 5367 4851 : (021) 536 2001 : (021) 533 2446 Tel. 21. 100 Jakarta Barat 11180 Jakarta Utara / North Jakarta Kelapa Gading Jl. Green Ville Raya Blok AX No. Fax. Raya Perjuangan Kav. 1–2 Jl. : (021) 2664 6909 : (021) 2644 6908 Sawah Besar Jl. Soekarno Hatta International Airport Jakarta 19110 Tomang Tol Jl. 113–115 Jakarta Utara 14450 CBD Pluit Ruko CBD Pluit Blok A No. Mangga Besar Raya No. Fax. Fax. 11 Jakarta 14350 Kelapa Gading II Jl. 53 Jakarta Barat 11180 Lindeteves Trade Center Lindeteves Trade Center GF-2 RA 42–43 Jl. Fax. 8 Kebon Jeruk. B6 Kota Baru Bandar Kemayoran. Tel. S. 1 Blok AM Ancol Barat. 11. Citra Garden 1 Blok I 1 No. Tel. Fax. 35–37 Jakarta Utara 14450 Mega Mall Pluit Ruko Megamall No. Fax. Fax. Graha Kencana Blok BF Jl. 88 Kebon Jeruk. Kel. : (021) 530 6725 : (021) 584 5570 : (021) 566 9801 : (021) 567 1588 . : (021) 260 1908 : (021) 260 1909 Tel. Tel. Fax. K. Danau Sunter Utara B1 G7 Kav. Fax. 6 E Jakarta Barat Tanjung Duren Jl. : (021) 581 7177 : (021) 581 2866 Tel. 15 Kalideres. Jakarta 10610 Soewarna Business Park Blok E Lot 1 & 2. Kemanggisan Jakarta Barat Ruko Palmerah Jl. Fax. Tomang Raya No. Fax. : (021) 5486103 : (021) 5486109 : (021) 548 7559 : (021) 548 7551 : (021) 536 2827 : (021) 536 2822 : (021) 560 5838 : (021) 564 3103 : (021) 566 4537 : (021) 560 4070 : (021) 541 7871-72 : (021) 619 9827 : (021) 564 4656 : (021) 564 4657 : (021) 5600532 : (021) 5600441 : (021) 5696 8507 : (021) 5694 2893 : (021) 566 9750–52 : (021) 566 9674 Tel. Jakarta Barat 11530 Green Garden Komp. 127 Jakarta Barat 11180 Glodok HWI HWI Building Lindeteves Lt. Fax. Fax. Fax. Tel. Fax. Fax. Parman Kav. 95 C Jakarta Barat 11510 Citra Garden 1 Perum. S. Tanjung Duren Raya No. Palmerah Barat No. 21 Jl. 8 Taman Kedoya Baru Jakarta Barat 11520 Graha Medika Jl. Parman Kav. Daan Mogot Raya No. Meruya Ilir. Fax. Jakarta 14240 Sunter Mall Jl. Parang Tritis Raya No. Letjen S Parman No. 19. Mangga Dua. : (021) 450 0195 : (021) 450 2365 : (021) 6583 2398 : (021) 651 9541 : (021) 4585 3533 : (021) 452 5686 : (021) 4586 0130 : (021) 4586 0131 Tel. Pluit Selatan Raya No. Ruko Green Garden Blok I. KH Syahdan No. Kec. Tel. Perjuangan Raya No. Jakarta Barat Tel. Jakarta 14240 Kelapa Gading Park View Komp. Fax. Tel. Muara Karang Raya No. 19 Jakarta Barat 11410 STMIK /Univ. Tel. S. Pintu Kecil No. : (021) 588 4094. Hayam Wuruk No. : (021) 662 2081 : (021) 663 1105 : (021) 6667 3035 : (021) 6667 3433 Tel. Jelambar Baru Raya No. 34–36 Kelapa Gading. Jakarta Barat 11530 Graha Kencana Komp. Kopi No. Fax. 21 Jakarta Barat Slipi Jl. Tel. Letjend. Kebon Jeruk. Jakarta Barat Green Ville Jl. Fax. Tel. 16 Jakarta Barat Bunda Hati Kudus Jl. Jakarta Barat Pintu Kecil Jl. Raya Boulevard Timur Blok ZC-01 No.Introduction Key Message Planning & Strategy Financial Performance Business & Operations Report Corporate Governance Social Responsibility Shareholders’ Information Corporate Data Mega Glodok Kemayoran Ruko Mega Glodok Kemayoran Kav. Fax. 24 Jl. Fax. 12 Jakarta Barat 11230 Ancol Jl. : (021) 556 1332 : (021) 556 0764 Tel. Hayam Wuruk No.4194 : (021) 588 4280 Tel. Jalur Lambat Tol No.

Alamat Kantor Bank CIMB Niaga Bank CIMB Niaga Directories

Teluk Gong Komplek Duta Harapan Indah Jl. Kapuk Muara Blok D No. 3 Jakarta Utara 14460 Kapuk Raya Jl. Kapuk Raya No. 62 G Kec. Penjaringan Jakarta Utara Permata Kota Komplek Permata Kota Jl. Pangeran Tubagus Angke No. 170 Blok A Kav. No. 3, Jakarta Utara 14450 Sunda Kelapa Gedung Perum Pelabuhan II Jl. Maritim No. 8, (Sunda Kelapa) Jakarta Utara Mangga Dua Ruko Textile Blok C6 No. 3 Jl. Arteri Mangga Dua Raya Jakarta Utara 14430 Jembatan Dua Jl. Jembatan Dua Raya Blok BJ–BL No. 82 Jakarta Utara 14450 Kelapa Gading Kelapa Gading Permai Jl. Raya Boulevard Blok TN II No. 1–4 Jakarta Utara 14240 Kelapa Gading Plaza Kelapa Gading Plaza Lantai II No. 70 Jakarta Utara 14240 Bulevard Barat Jl. Raya Barat Boulevard, Blok LC-6 Kav. 41 Kelapa Gading, Jakarta Utara 14240 Bukit Gading Indah Jl. Bukit Gading Raya Blok G No. 28 Kelapa Gading Barat Jakarta Utara 14240 Tanjung Priok Jl. Yos Sudarso Lorong 101 No. 50 Jakarta Utara 14320 KBN Marunda Jl. Raya Marunda No. 1 Cilincing Jakarta Utara 14120 Sunter Jl. Sunter Paradise Blok F 20 No. 1–2 Sunter Jakarta Utara 14350 Ps. Pagi Mangga Dua Pusat Perdagangan Grosir Pasar Pagi Lt. 3 Blok D No. 3 Jl. Mangga Dua Raya, Jakarta Utara Jakarta Timur / East Jakarta Kalimalang Jl. Tarum Barat Blok Q No. 2 Kalimalang, Jakarta 13450 Dewi Sartika Jl. Dewi Sartika No. 292F Jakarta 13630 Gedung Pratama Jl. Pemuda No. 296, Rawamangun Jakarta 13220 Mall Cibubur Junction Ground Floor T 09, Jl. Jambore No. 1 Cibubur, Jakarta 13720 Rawamangun Jl. Balai Pustaka Timur, Blok B / 5 Rawamangun, Jakarta Timur

Tel. Fax.

: (021) 660 2290 : (021) 660 3682

Citra Grand Cibubur Citra Grand Cibubur Blok R1/06 Jakarta 13720 Matraman Jl. Matraman Raya No 140, Jakarta Timur 13140 Ps. Induk Cipinang Komp. Pasar Induk Beras Cipinang Blok HA No. 15 & 16, Jakarta Timur Jatinegara Komplek Bona Gabe Blok A3-A4 Jl. Raya Jatinegara Timur No. 101 Jakarta Timur 13430 Kampung Melayu Jl. Gapura Pasar No. 14–16 Pasar Regional Jatinegara Jakarta Timur 13310 Buaran Indah Jl. Buaran Indah Kav. 59 Blok U Klender Jakarta Timur 13310 Kramat Jati Pasar Kramat Jati Blok I Los 1-2-3-4 Jl. Raya Bogor, Jakarta Timur 13510 Cibubur Jl. Raya Lapangan Tembak 21 Cibubur Indah Blok B No. 1 Jakarta Timur 13720 Cibubur Junction Cibubur Junction Mall, Ground Floor Blok T– T11, Jl. Jambore No. 1 Ciracas Jakarta Timur Rawamangun Arion Mall Ruang G 15 & S2 Jl. Pemuda Kav. 3–4 Jakarta Timur 13220 Pondok Bambu Jl. Pahlawan Revolusi No. 11 A Pondok Bambu, Jakarta Timur 13430 Pulo Gadung Jl. Rawa Terate II Gd. Poliklinik PT GIEP, Kawasan Industri Pulogadung Jakarta Timur 13930 Pondok Ungu Ruko Permata Ujung Menteng Blok B No. 17, Jl. Hamengkubuwono IX Km. 25, Cakung, Jakarta Timur JAWA BARAT / WEST JAVA

Tel. Fax. Tel. Fax. Tel. Fax. Tel. Fax.

: (021) 8459 8592–4 : (021) 8459 8616 : (021) 850 4838 : (021) 280 0132 : (021) 472 3458 : (021) 472 3330 : (021) 819 7555 : (021) 851 5442

Tel. Fax.

: (021) 5438 2118 - 19 : (021) 5439 3109

Tel. Fax.

: (021) 6667 4602 : (021) 6667 4607

Tel. Fax.

: (021) 691 3022 : (021) 691 8032

Tel. Fax.

: (021) 819 0562 : (021) 819 8980

Tel. Fax.

: (021) 601 1456 : (021) 601 1452

Tel. Fax. Tel. Fax. Tel. Fax.

: (021) 8660 0141–43 : (021) 861 8494 : (021) 809 5661 : (021) 800 9395 : (021) 871 2009–11 : (021) 871 1123

Tel. Fax. Tel. Fax.

: (021) 660 3993 : (021) 661 0928 : (021) 452 0212 : (021) 453 2722 - 3

Tel. Fax. Tel. Fax.

: (021) 452 9695 : (021) 453 0691 : (021) 451 6753 : (021) 452 5165

Tel. Fax.

: (021) 8775 6503–05 : (021) 8775 6506

Tel. Fax.

: (021) 471 3089 : (021) 471 2283

Tel. Fax.

: (021) 451 6239 : (021) 451 6227

Tel. Fax. Tel. Fax.

: (021) 8660 8083 : (021) 8660 7909 : (021) 460 1534 : (021) 460 1432

Tel. Fax. Tel. Fax. Tel. Fax. Tel. Fax.

: (021) 430 0405 : (021) 430 0409 : (021) 441 6528 : (021) 441 6530 : (021) 645 9984 : (021) 6471 1499 : (021) 659 9395 : (021) 659 9402

Tel. Fax.

: (021) 4680 8872 : (021) 4682 6291

Bandung Lembong Jl. Lembong No. 7, Bandung 40111 Tel. Fax. Tel. Fax. Tel. Fax. Tel. Fax. Tel. Fax. Tel. Fax. Tel. Fax. : (022) 423 3360 : (022) 423 9158 : (022) 424 1511 : (022) 420 9743 : (022) 730 5703 : (022) 730 5701 : (022) 424 1852 : (022) 424 1855 : (022) 253 4152 : (022) 253 4154 : (022) 541 6441 : (022) 541 6797 : (022) 600 6043 : (022) 601 1630

Tel. Fax. Tel. Fax. Tel. Fax. Tel. Fax. Tel. Fax.

: (021) 864 9361–4 : (021) 865 6029 : (021) 8088 2908 : (021) 800 9022 : (021) 470 7067 : (021) 470 6360 : (021) 8775 6606 : (021) 8775 6609 : (021) 4786 3784 : (021) 4786 4109

Dago Jl. Ir. H. Juanda No. 46, Dago Bandung 40115 Buah Batu Jl. Buah Batu No. 143, Bandung 40265 Riau Jl. R.E. Martadinata No. 134 Bandung 40113 ITB Jl. Ganesha No. 10, Kampus ITB Bandung 40132 Kopo Bihbul Bandung Jl. Kopo Bihbul No. 94, Bandung Astana Anyar Jl. Astana Anyar No. 115 Bandung 40241

326

Bank CIMB Niaga Laporan Tahunan 2009

Introduction Key Message Planning & Strategy

Financial Performance Business & Operations Report Corporate Governance

Social Responsibility Shareholders’ Information Corporate Data

Cimahi Jl. Raya Cibabat No. 310, Cimahi Bandung 40522 Sukajadi Jl. Sukajadi No. 186, Bandung 40162 Moh Toha Jl. Moch Toha No. 191 Bandung 40253 Surya Sumantri Jl. Surya Sumantri Ruko Kav. 8 E Bandung MTC Metro Trade Centre Jl. Soekarno Hatta Blok C-20 Bandung 40292 Asia Afrika Jl. Jend. Gatot Subroto No. 2 Bandung 40262 Buah Batu Jl. Buah Batu No. 238, Bandung Ahmad Yani Jl. Terusan Jakarta B1 No. H 77 Komp. Lucky Plaza, Bandung Merdeka Jl. Merdeka No. 52, Bandung 40117 Sudirman Jl. Jend. Sudirman No. 293 Bandung 40241 Otista Jl. Otto Iskandardinata No.102 Bandung 40181 Lingkar Selatan Jl. Peta No. 65, Bandung 40243 Rajawali Jl. Rajawali No. 73, Bandung 40184 Taman Kopo Jl. Taman Kopo Raya No. 8 Blok A-2 (Komp. Lucky Plaza) Bandung Sumber Sari Kompleks Ruko Sumber Sari Jl. Soekarno Hatta No. 132A Bandung 40222 Cimahi Jl. Raya Tagog No. 256 Cimahi Bandung 40525 Cimindi Jl. Raya Cimindi No.175, Bandung Setiabudhi Jl. Setiabudhi No.57, Kec. Sukasari Kel. Gegerkalong, Bandung 40153 Pasir Kaliki Jl. Pasir Kaliki 186 B, Kec. Cicendo Bandung Lembang Jl. Raya Lembang No. 274 Lembang 40391 Padalarang Jl. Raya Purwakarta No. 68 B Padalarang, Jawa Barat Sumedang Jatinangor Jl. Jatinangor No. 45 Sumedang Sumedang Jl. Mayor Abdurachman No. 63 Sumedang 45322

Tel. Fax. Tel. Fax. Tel. Fax. Tel. Fax. Tel. Fax.

: (022) 663 4801 : (022) 663 4804 : (022) 203 4412 : (022) 203 8061 : (022) 522 6167 : (022) 522 6167 : (022) 200 1437 : (022) 200 1522 : (022) 753 6452 : (022) 753 6253

Garut Garut Jl. Jend. Ahmad Yani No. 29 Garut 44117 Indramayu Indramayu Jl. Jend. Sudirman No. 143, Indramayu Jatibarang Jl. Mayor Dasuki No. 24, Jatibarang Cirebon Siliwangi Jl. Siliwangi No. 110, Cirebon 45123 Tegalwangi Jl. Raya Tegalwangi No. 19 Cirebon 45154 Yos Sudarso Jl. Yos Sudarso No. 26, Cirebon 45111 Balong Indah Plaza Jl. Pekringan No. 166, Cirebon 45111 Losari Jl. Raya Losari Barat No. 136 Losari Cirebon 45192 Pleret Jl. Raya Plered No. 24, Cirebon Kuningan Jl. Syech Maulana Akbar No. 4 Kuningan, Cirebon 45512 Tasikmalaya Tasikmalaya Jl. Sutisna Senjaya No. 77 Tasikmalaya 46111 Tasikmalaya, Yudanegara Jl. Yudanegara No. 61 Tasikmalaya 46121 Tasikmalaya, Ps. Cikurubuk Jl. Residen Ardiwinangun Blok II/15 Komp. Ps. Cikurubuk, Tasikmalaya Bogor Pajajaran Jl. Pajajaran No. 33, Bogor 16151 Warung Jambu Ruko Warung Jambu Jl. Raya Pajajaran No. 257/1 Bantar Jati, Bogor 16153 Cibinong Ruko Graha Cibinong Blok B No. 2 Jl. Raya Jakarta Bogor KM 43 Cibinong Pajajaran V Point Ruko V Point Jl. Pajajaran No. 1, Bogor 16142 Cisalak Jl. Raya Jakarta Bogor Km. 32, Cisalak Bogor Citeureup Jl. Mayor Oking No. 19–20 Bogor 16810 Cileungsi Ruko Griya Kenari Mas Blok B1 No. 20-21 Cileungsi, Bogor Juanda Jl. Ir. H. Juanda No. 12, Bogor 16121 Bukit Sentul Plaza Niaga I Blok A.1 No. 1 Bukit Sentul, Bogor 16810 Tel. Fax. Tel. Fax. : (0251) 831 3456 : (0251) 832 0845 : (0251) 832 0019 : (0251) 832 0059 Tel. Fax. Tel. Fax. Tel. Fax. : (0265) 323 100 : (0265) 324 714 : (0265) 332 056 : (0265) 334 919 : (0265) 311 850 : (0265) 324 990 Tel. Fax. Tel. Fax. Tel. Fax. Tel. Fax. Tel. Fax. Tel. Fax. Tel. Fax. : (0231) 206 981 : (0231) 208 036 : (0231) 323 500 : (0231) 323 400 : (0231) 206 991 : (0231) 201 292 : (0231) 234 020 : (0231) 234 022 : (0231) 831 188 : (0231) 831 021 : (0231) 833 0081 : (0231) 833 0080 : (0232) 871 878 : (0232) 871 235 Tel. Fax. Tel. Fax. : (0234) 276 353 : (0234) 276 358 : (0234) 351 460 : (0234) 351 283 Tel. Fax. : (0262) 231 091 : (0262) 231 092

Tel. Fax. Tel. Fax. Tel. Fax. Tel. Fax. Tel. Fax. Tel. Fax. Tel. Fax. Tel. Fax. Tel. Fax.

: (022) 730 6622 : (022) 730 7500 : (022) 731 9465 : (022) 731 9464 : (022) 710 2677 : (022) 710 1278 : (022) 420 0261 : (022) 420 0260 : (022) 603 3677 : (022) 601 9111 : (022) 420 4173 : (022) 420 0924 : (022) 523 1940 : (022) 523 1944 : (022) 603 1533 : (022) 603 1528 : (022) 542 2233 : (022) 542 2244

Tel. Fax.

: (022) 607 0432 : (022) 607 1866

Tel. Fax. Tel. Fax. Tel. Fax. Tel. Fax. Tel. Fax.

: (022) 664 7700 : (022) 664 7100 : (022) 603 5016 : (022) 603 3988 : (022) 203 8302 : (022) 203 8376 : (022) 420 1737 : (022) 423 0354 : (022) 278 6516 : (022) 278 6201

Tel. Fax.

: (021) 8791 8808 : (021) 8791 8801

Tel. Fax. Tel. Fax. Tel. Fax. Tel. Fax. Tel. Fax. Tel. Fax.

: (0251) 364 040 : (0251) 364 025 : (021) 8775 5936 - 38 : (021) 8773 5935 : (021) 875 6055 : (021) 875 3562 : (021) 8249 7029 : (021) 823 1694 : (0251) 832 5167 : (0251) 832 4730 : (021) 8796 0784 : (021) 8796 0785

Tel. Fax.

: (022) 8681 5171 : (022) 8681 5136

Tel. Fax. Tel. Fax.

: (022) 778 1551/1525/1550 : (022) 778 1520 : (0261) 201 024 : (0261) 201 026

Bank CIMB Niaga Annual Report 2009

327

Alamat Kantor Bank CIMB Niaga Bank CIMB Niaga Directories

Pajajaran Komp Ruko V Point Blok ZA Jl. Raya Pajajaran No. 1, Bogor Suryakencana Jl. Suryakencana No. 196 A Bogor 16131 Leuwiliang Jl. Raya Leuwiliang No. 30, Bogor 16640 Pasar Anyar Jl. Baru No. 88 F Ps Anyar Bogor 16121 Bogor Indah Plaza Pertokoan Bogor Indah Plaza Blok C No. 3, Jl. Baru, Bogor 16162 Cibinong Jl. Mayor Oking No. 27 Komp Pertokoan CBN Indah Blok A 4–6 Cibinong 16900 Cipanas Jl. Raya Cipanas No. 32 Ruko 4 - 5 Cipanas 43253 Depok Depok Jl. Margonda Raya No. 192 Depok 16423 Margonda Depok Jl. Raya Margonda Depok Depok Depok Univ. Indonesia Jl. Gedung C Fisip UI Depok Depok 16432 Depok Town Square Blok GS 20, Jl. Margonda Raya No. 1 Kec. Beji, Kel. Pondok Cina Depok Bekasi Ahmad Yani Jl. A. Yani Blok A8 No. 15 Bekasi 17141 Samsung Elektronik Indonesia Jl. Jababeka Raya Blok F No. 29–33 Cikarang, Bekasi 17520 Pondok Gede Ruko Pondok Gede Baru Blok H No. 9 Bekasi 17411 Jababeka Ruko Capitol Business Park Tipe Sudut Blok 2A, Jababeka Cikarang 17550 LG Cibitung LG Cibitung, Kawasan Industri M 2000 Cibitung, Bekasi 17520 Bekasi Timur Ruko Kalimas Kav. C-33 Jl. Chairil Anwar, Bekasi Bekasi Barat Jl. K. H. Noer Ali No. 12-12A Kel. Kayuringin Jaya, Bekasi Barat Juanda Komplek Ruko Mustika Puri Jl. Ir. Juanda No 137, Bekasi 17112 Metropolitan Mall Metropolitan Mall Bekasi, Lt.1 No. 24 Jl. Raya Kalimalang Ujung Bekasi 17144 Lippo Cikarang Gedung Menara Pasifik Lantai Dasar Jl. M. H. Thamrin Lippo Cikarang Bekasi 17550

Tel. Fax. Tel. Fax. Tel. Fax. Tel. Fax. Tel. Fax. Tel. Fax.

: (0251) 836 4040 : (0251) 836 4025 : (0251) 831 2121 : (0251) 831 2312 : (0251) 647 070 : (0251) 641 707 : (0251) 832 0604 : (0251) 836 3075 : (0251) 835 7921 : (0251) 835 7923 : (021) 875 4006–7 : (021) 875 3485

Mega Mall Cikarang Ruko Mega Mall Blok B 1 Cibitung Center Kawasan Industri MM 2100, Bekasi Ruko Capitol Kawasan Industri Jababeka II Ruko Capitol Business Park Blok 2 G, Cikarang, Bekasi 17530 Pondok Gede Plaza Pondok Gede Ruko Blok H 11–12 Jl. Raya Pondok Gede No. 1 Bekasi 17411 Karawang Jl. Tuparev No. 150, Karawang Ciganjur Cianjur Jl. Dr. Muardi No. 117, Cianjur 43216 Cianjur Jl. HOS Cokroaminoto No.82–84 Cianjur 43215 Sukabumi Sukabumi Jl. R.E. Martadinata No. 56 Sukabumi 43112 Tipar Jl. Tipar Gede Ruko II No. 2, 4, 6 Sukabumi 43131 Cibadak Jl. Suryakencana No. 63A Sukabumi 43114 BANTEN Cilegon Wisma Permata (Krakatau Steel) Jl. KH Yasin Beji No. 2, Simpang Tiga Cilegon 42435 Cilegon II Jl. A. Yani No. 135G, Cilegon Banten 42400 Cilegon Jl. Raya Merak No. 49 Komplek Bonakarta Blok C No. 17–18 Cilegon 42414 Serang Serang Plaza Komp. Serang Plaza II No. 2 Jl. M. Hasanuddin, Serang, Banten Tangerang Daan Mogot Jl. Daan Mogot No. 58 Tangerang 15111 Bintaro Jl. Cut Mutia II, Bintaro Jaya Sektor VII Tangerang 15224 ITC BSD Jl. Pahlawan Seribu No. 25 Tanggerang 15322 Pamulang Pamulang Permai I, Blok SH 18 No. 10 Pamulang, Tangerang 15417 LG Cirarab Jl. Tabri No. 1, Desa Cirarab, Bitung Tangerang 15820 Cengkareng Gedung PT Cargo Area Bandara Internasional Soekarno Hatta Cengkareng, Tangerang 19120

Tel. Fax. Tel. Fax.

: (021) 898 0403 : (021) 898 0403 : (021) 8983 5675 : (021) 8983 5683

Tel. Fax.

: (021) 846 9515 : (021) 846 9514

Tel. Fax.

: (0267) 412 036 : (0267) 412 037

Tel. Fax. Tel. Fax.

: (0263) 269 618 : (0263) 263 613 : (0263) 261 722 : (0263) 263 618

Tel. Fax.

: (0263) 511 650 : (0263) 515 480

Tel. Fax. Tel. Fax. Tel. Fax.

: (0266) 242 932 : (0266) 222 050 : (0266) 224 270 : (0266) 221 952 : (0266) 531 525 : (0266) 531 225

Tel. Fax. Tel. Fax. Tel. Fax. Tel. Fax.

: (021) 7721 2080 - 82 : (021) 7721 2085 : (021) 776 5258 : (021) 776 1378 : (021) 787 4258 : (021) 787 4258 : (021) 7887 0156 : (021) 7887 0160

Tel. Fax. Tel. Fax. Tel. Fax.

: (0254) 383 550 : (0254) 383 551 : (0254) 399 940 : (0254) 399 919 : (0254) 380 955 : (0254) 380 952

Tel. Fax. Tel. Fax. Tel. Fax. Tel. Fax.

: (021) 8885 2401–3 : (021) 8848 8681 : (021) 8983 7163 : (021) 893 4273 : (021) 8499 5135 : (021) 8499 5250 : (021) 8983 5892- 3 : (021) 8983 5890

Tel. Fax.

: (0254) 218 167 : (0254) 216 526

Tel. Fax. Tel. Fax. Tel. Fax. Tel. Fax. Tel. Fax.

: (021) 898 9190 : (021) 898 9140 : (021) 8835 5775 : (021) 8835 5785 : (021) 8895 6668 : (021) 8895 6684 : (021) 8834 2515 : (021) 8834 2519 : (021) 884 8548 : (021) 884 7955

Tel. Fax. Tel. Fax. Tel. Fax. Tel. Fax. Tel. Fax. Tel. Fax.

: (021) 552 2830 : (021) 552 1064 : (021) 745 0539 / 2223 : (021) 745 2024 : (021) 5316 1844 : (021) 5316 1948 : (021) 542 1066 : (021) 742 0056 : (021) 597 9745–6 : (021) 597 9747 : (021) 5591 5073 - 74 : (021) 5591 5075

Tel. Fax.

: (021) 897 2022 : (021) 897 2495

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Bank CIMB Niaga Laporan Tahunan 2009

Tangerang Tangerang Karawaci Gedung Menara CIMB Niaga Jl. 339B Semarang 50246 Candi Jl. Fax. 0001. Fax. Sultan Agung No. Tangerang Nyi Mas Melati Jl. Tel. Thamrin. Fax. : (021) 547 3521 : (021) 547 3522 : (021) 553 3331–2 : (021) 5577 8750 Tel. Fax. Raya Diponegoro No. Fax. Tel. Fax. Tangerang 15157 Ciputat Jl. Tel. Tel. 68 Blok A-5 Banyumanik. Gang Besen 95 C. Tel. 106 D Semarang 50517 Telogorejo Jl. Fax. Tangerang 15811 Bandara Soekarno Hatta. KH Wahid Hasyim No. : (021) 7345 1134 : (021) 7345 1077 Tel. Cirendeu Raya No.86 : (021) 559 4385 : (021) 537 4580 : (021) 537 4630 Pamulang Jl. Fax. Tel. 101 Tangerang 15810 Sekolah Pelita Harapan Jl. Tangerang Taman Cibodas Duta Mas Plaza Blok A Kav. Thamrin. Cipto. Fax. Fax. Summarecon Serpong. 10 Tanjung Mas. Pisangan Pondok Cabe. Raya Cileduk Perum Pondok Lestari Blok A I No. H. 9 Jl. Tel. Fax. Fax. Semarang 50137 Kanjengan-Puri Baruna Komplek Kanjengan Ruko B A-3 Semarang Panti Wilasa Jl. 99C Semarang 50241 Banyumanik Mal Harmoni. Fax. Fax. Terminal E Keberangkatan EOD 68 Cengkareng. Tel. No. Tel. Tel. Semarang Gang Besen Jl. Toha. Semarang Lingkungan Industri Kecil (LIK) Jl. Majapahit No. 39 Serpong Tangerang Cirendeu Jl. Tel. 2056. Tel. Fax. Fax.898 : (021) 5421 2210 Tel. Fax. Ruko Gajah Mada No. 670 6715 : (024) 850 7366 : (024) 850 7367 : (024) 357 4012 : (024) 357 4012 : (024) 351 8900 : (024) 354 0184 : (024) 351 0171 : (024) 351 0418 : (024) 356 5509 : (024) 356 5507 : (024) 658 1169 : (024) 658 5231 : (024) 760 6114 : (024) 762 6147 : (024) 692 2211 : (024) 692 5253 : (024) 841 2401 : (024) 841 2402 : (024) 844 5895 : (024) 850 6047 : (024) 841 2920 : (024) 831 5723 : (0294) 642 088 : (0294) 642 088 : (024) 7663 3170 : (024) 761 1085 Tel. 20. Tel. Fax. Semarang Pemuda Jl. Tel. Tel. Fax. 5–6 Ruko Gayam Sari. Cipadu Tangerang Ciledug Jl. Tel. 57–59 Semarang Sultan Agung Jl. Kisamaun No. Tel.2025 : (021) 5421 1991 : (021) 559 4384 . Fax. Siloam No. 09 Cikupa. Tel. Haryono 627. Tel. Dewi Sartika No. Fax. Fax. Mauk. : (024) 351 5240 : (024) 354 2421 : (024) 356 9109 : (024) 356 9108 : (024) 747 8766 : (024) 747 8770 : (024) 673 3216 : (024) 673 3122. Fax. Fax. Tel. Raya Serpong No. Jl. M. Tangerang 15417 JAWA TENGAH/ CENTRAL JAVA Semarang Pemuda Jl. Semarang Dargo Dargo Indah Plaza Blok D No. 37. Tel. : (024) 831 9911 : (024) 831 7557 : (024) 672 4007 : (024) 672 4008 : (024) 354 0034 : (024) 354 1691 : (024) 354 8582 : (024) 354 8582 : (024) 355 1366 : (024) 355 1366 : (024) 356 1441 : (024) 356 1441 Tel. Tangerang 19120 Mall WTC Serpong Komplek Mall WTC Matahari Serpong Ruko No. T. Sukun Raya No. M. Fax. 126 Jl. H. Pemuda No. Lt. Pawiyatan Luhur No. Fax. Tel. 26 ALX 3. Tel. Fax. 6. 51 Tangerang 15111 Mahkota Mas Komplek Mahkota Mas Blok J No. 5879 Jl. : (021) 5577 7786–7 : (021) 5577 7811 : (021) 546 9529 : (021) 546 9530 : (021) 5421 0895 . Fax. Semarang Cendrawasih Jl. Tel. Lippo Karawaci Tangerang Gading Serpong Ruko Alexandrite. Coaster No. Fax. Pelita Harapan Dynaplast Tower. Tel. Dasar Jl. Tangerang Metropolis Town Square Mall Metro Polis Town Square Blok GM 5 No. 5. 3 Pondok Hasanudin. Perdagangan Ruko Pinangsia Blok B No. Tel. Lippo Karawaci Tangerang 15810 Cyber Park Ruko Gajah Mada Jl. Fax. Industri Gang VI Kav. Tel. : (021) 584 7507–8 : (021) 584 7509 : (021) 749 1325 : (021) 749 1324 Bank CIMB Niaga Annual Report 2009 329 .Semarang 50263 Majapahit Jl. Tel. Pemuda No. Nyimas Melati No.Introduction Key Message Planning & Strategy Financial Performance Business & Operations Report Corporate Governance Social Responsibility Shareholders’ Information Corporate Data Supermall Karawaci Lippo Karawaci 1200. 55 J Semarang Weleri Jl. Citarum No. Jl.102–104 Semarang 50133 Hasanudin Komplek Permata Hijau BB. Tel. Pertokoan Pamulang Permai Blok SH XI No. Lippo Karawaci Tangerang Cipadu Cipadu Trade Center Blok B1–B2 Jl. M. Sudirman 35. 21B. Cikokol. Semarang Tel. Tangerang 15810 Univ. : (021) 744 4925 : (021) 744 4924 Tel. Fax.1. 25A–25C Ciputat Tangerang 15411 Tel. Fax. : (021) 5421 1990 . Tel. Desa Kelapa Dua Karawaci. 98. Fax. Fax. Tangerang 15811 Siloam Gleneagles Jl. Fax. Pasar Lama Tangerang 15112 Pasar Baru Ruko Ramayana Pasar Baru Blok B No. Fax. Jend. Fax. Brigjen Sudiarto Kav. Tel. Fax. Tel. Raya Legok. 33 Tangerang Kisamaun Jl. Fax. Sultan Agung No. Semarang Majapahit Jl. Fax. Dr. Semarang Siliwangi Jl. Cendrawasih Kompleks Pertokoan Jurnatan B No. Boulevar Gading Serpong No. 42. Jl. M. : (021) 741 6060 : (021) 741 5858 : (021) 594 02999 : (021) 594 03666 : (021) 552 2035 : (021) 552 4046 : (021) 5574 6840 : (021) 5574 5230 : (021) 552 8486 : (021) 552 7454 : (021) 552 4048 : (021) 552 1744 : (021) 5579 6487 : (021) 5579 6489 : (021) 5578 0337 : (021) 5578 0335 : (021) 546 0301 : (021) 546 0312 Tel. : (021) 546 1158–59 : (021) 546 1227 Tel. 29. Fax. Semarang 50139 Gajah Mada Jl. Tangerang Citra Raya Perum Citra Raya Blok C 1 No. 18–19. 40/1-3. Fax. Tangerang 15810 Ruko Pinangsia Komp. 121 Semarang 50235 Pelindo III Jl. Fax. Gatot Subroto Blok F1/VIII Semarang 50184 Mataram Jl. Semarang Ungaran Jl. Fax. Tel. Tel. Fax. Utama Tengah 252 Weleri Semarang Gatot Subroto Kawasan Industri Candi Jl. Achmad Dahlan Blok A6/11 Semarang Unika Jl. Cyber Park Lippo Karawaci.12. Gajah Mada No. Tel. Gatot Subroto No.

2. 2. Tel. Silugonggo 12 A. Manahan Solo 57139 Palur Jl. Fax. Fax. Fax. 5 Magelang 56122 Muntilan Muntilan Jl. Sutami No. Tel. Tel. Pemuda No. : (0291) 686 519 : (0291) 686 520 Tel. Solo Mesen Square Ruko Messen Square No. Fax. Ir. : (0292) 422 092 : (0292) 421 211 Tel. Fax. Ahmad Yani No. Tel. Jend. 1 Karang Asem Laweyan Solo Slamet Riyadi Jl. Fax. : (0295) 382 155 : (0295) 382 200 Tel. Fax. Mayor Sunaryo No. 234. Fax. Tel. Jend. Tel. Jl. Pandanaran–Kios Pasar Boyolali. Sudirman 89. Kudus 59317 RS. Fax. Juwana Magelang Magelang Jl. Fax. : (0295) 471 119 : (0295) 471 113 Tel. Sudirman Salatiga 50711 Salatiga Jl. Temanggung Klaten Klaten Jl. S. S. Tel. 13. Solo Pierre Tendean-Nusukan Jl. Sudirman 34. : (0271) 735 535 : (0271) 735 535 : (0271) 645 554 : (0271) 632 111 : (0271) 780 858 : (0271) 780 952 : (0272) 551 222 : (0272) 555 428 : (0276) 321 346 : (0276) 321 346 : (0271) 728 587 : (0271) 728 588 : (0271) 739 239 : (0271) 739 239 : (0271) 663 454 : (0271) 663 454 : (0271) 669 463 : (0271) 669 462 : (0271) 642 224 : (0271) 643 330 : (0271) 620 690 : (0271) 620 691 : (0271) 644 445 : (0271) 644 456 : (0271) 825 460 : (0271) 825 460 : (0271) 643 339 : (0271) 643 352 : (0271) 495 104 : (0271) 495 104 : (0271) 891 780 : (0271) 891 780 : (0271) 593 423 : (0271) 593 423 Purwodadi Jl. Sudirman No. Fax. Parakan Purworejo Purworejo Jl. Fax. : (0291) 432 323 : (0291) 432 326 : (0291) 434 296 : (0291) 434 707 : (0291) 432 962 : (0291) 432 967 Tel. 2 Jl. Tel. : (0298) 329 455 / 8 : (0298) 329 457 Tel. Tel. Demak Juwana Juwana Jl. Raya Sukowati No. Raya Delanggu No. 136. Tel. Fax. Fax. Solo Kasih Ibu Jl. Tel. Solo Solo Gading Ruko Gading No. Piere Tendean 56. Fax. Raya Palur 47 B. Dahlan No. Mojo No. Fax. Tegal 52113 Tegal Jl. Tel. U. Diponegoro 99. Tel. 82 Ruko Pucang Sawit. 2. Fax. 8. Parman Pasar Legi Kios A 1-5 Solo Palur Jl. Solo Solo Baru Jl. Jendral Sudirman 134 Ambarawa Kudus Kudus Jl. Tel.801 : (0283) 343 814 : (0283) 355 992 : (0283) 358 898 : (0283) 442 202 : (0283) 442 202 Tel. Fax. Solo Delanggu Jl. Fax. A. Fax. Tel. A. Fax. Solo Karanganyar Jl. Purwodadi Pati Pati Jl. Purworejo 54100 Purworejo Jl. Fax. Fax. 6. 8A Solo PGS Solo Pusat Grosir Solo lantai 1 Blok B3 No. 16. Fax. : (0293) 364 391 / 160 : (0293) 364 121 : (0293) 364 700 : (0293) 364 090 Tel. Tel. KH. Tel. Jend. Diponegoro Ruko No. Fax. Fax. Ruko Kartasura Blok B 3–4 Kartasura. Klaten Tegal Tegal Jl. Tel. Magelang 56151 Magelang Jl. : (0283) 343 800 . Fax. : (0298) 322 142 : (0298) 322 143 : (0298) 312 840 : (0298) 312 840 330 Bank CIMB Niaga Laporan Tahunan 2009 . Sukoharjo Salatiga Komp. : (0293) 587 451 : (0293) 587 451 Tel. Tel. Tel. 39. 5 A Kudus 59343 Purwodadi Tel. Sudirman No. : (0298) 592 455 : (0298) 592 455 Tel. Purworejo Temanggung Temanggung Jl. Slamet Riyadi 404. Solo Pasar Legi Jl. L. 45 Temanggung 56216 Temanggung Jl.66.Alamat Kantor Bank CIMB Niaga Bank CIMB Niaga Directories Solo Slamet Riyadi Jl. Fax. R. Tel. Fax. Solo Solo Pasar Klewer Pasar Klewer EE 28-43. 1. Solo Boyolali Jl. 01 Solo Kampus ATMI Jl. 229 Pasar Sragen Sukoharjo Jl. Yani No. Agil Kusumadya No. Pemuda Tengah No. Tel. Jendral Sudirman No. : (0272) 324 968 : (0272) 327 907 : (0272) 322 577 : (0272) 322 577 Tel. Tel. Fax. Pemuda Ruko No. Tel. Fax. Fax. : (0271) 647 955 : (0271) 647 391 : (0271) 712 555 : (0271) 711 565 : (0271) 82l 080 : (0271) 826 398 : (0271) 662 251 : (0271) 662 381 Ambarawa Jl. Fax. Fax. Slamet Riyadi No. Parman No. Diponegoro 52–60 Salatiga Tel. 21. Fax. Fax. Raya Palur KM 7 No. Karanganyar Sragen Jl. Tidar No. Fax. AKBP RAGIL Kusumadya 110 Kudus Kudus Jl. Fax. 31. Tegal Tel. Lawu No. Tel. Pati Demak Demak Ruko Bintoro No. Brigjen Sudiarto. Ruko Tamansari Shopping Center No. Fax. Tentara Pelajar No.3–4 Jl Urip Sumohardjo. Solo 57111 Manahan Jl. 56. 93 Salatiga 50711 UKSW Jl. Raya Solo Baru Blok AB-4. Tegal 52113 Banjaran Jl. Solo 57131 Kartasura Jl. Tel. Mardi Rahayu Jl. Fax. 4. Adisutjipto No. Jend. Fax. Fax. Tel. Fax. Tel. Raya Banjaran 39 Banjaran Adiwerna. : (0275) 324 444 : (0275) 323 179 : (0275) 322 213 : (0275) 325 305 Tel. Fax. Klaten 574111 Klaten Jl. Solo UNS Jl. Fax. Jend. : (0293) 598 680 : (0293) 598 680 Tel. Slamet Riyadi No. 08. Sudirman Blok A-B Komplek Studio 1. 7–8 Jl. 74. Muntilan Parakan Parakan Jl. Jend. : (0293) 493 810 : (0293) 491 213 : (0293) 493 487 : (0293) 493 487 Tel.

Tel. Fax. Fax. Fax. Hayam Wuruk No. Jend Sudirman No.106 Yogyakarta JAWA TIMUR / EAST JAVA Tel. Parangtritis 115 D Yogyakarta Magelang Jl. Fax. Fax. Diponegoro 141 C Kutoarjo Gombong Jl. Tel. 417 Purwokerto 53116 Purwokerto Jl. Fax. Tel.Introduction Key Message Planning & Strategy Financial Performance Business & Operations Report Corporate Governance Social Responsibility Shareholders’ Information Corporate Data Slawi Jl. P. 13 Yogyakarta 55233 Katamso Garuda. Pekalongan Comal Jl. Fax. Diponegoro No. Yani Wonosobo Kroya Jl. Fax. Tel. Tel. Sleman Yogyakarta 55283 Kampus UGM Gd. Magelang 116 Karangwaru Yogyakarta Ngabean Jl KH. Sekip Blok L4. Tel. 26A. Kedungwuni. Fax. Sungkono. Tel. Jend. Jend. 142 Surabaya 60132 Tunjungan Jl. Tel. Tel. Fax. Fax. Darmo Park I Blok V/2 Jl. Fax. Fax. Slawi Pemalang Pemalang Jl. Fax. Pekalongan Pekalongan Purbalingga Jl. Tel. Tel. Fax. 12 D Wonogiri Wonosobo Jl. Gejayan No. Jl. : (0286) 321 693 : (0286) 321 844 Tel. Surabaya 60275 Sudirman Jl. 31 Yogyakarta Parang Tritis Jl. Fax. Cik Di Tiro 30. Jepara Wonogiri Jl. Kusumanegara No. Tel. Babarsari 44. Yogyakarta 55221 Kaliurang Jl. 91. Tel. Yani Comal Kedungwuni Jl. Sudirman 115. Sudirman No. Jend. Fax. : (031) 568 3060 : (031) 567 4354 : (031) 567 8200 : (031) 561 2951 : (031) 594 9468 : (031) 594 9480 : (031) 534 3537 : (031) 531 5430 : (031) 532 0050 : (031) 532 5510 : (031) 843 8093 : (031) 843 4669 : (031) 357 7880 : (031) 357 7885 Tel. : (0283) 492 941 : (0283) 321 584 Sudirman Jl. Sultan Agung No. Fax. 26 Surabaya 60264 Satelite Komp. Fax. A. MayJen. : (0281) 642 660 : (0281) 642 651–2 : (0281) 631 862 : (0281) 631 896 Tel. 3 Pekalongan 51119 Banjarsari Jl. Tel. 7 Jl. Fax. Pahlawan Kebumen 54311 Kutoarjo Jl. : (0282) 531 029 : (0282) 531 033 Tel. 121 Surabaya 60177 Tel. Tel. 1 Karang Lewas Cilacap Cilacap Jl. Fax. : (0273) 321 103 : (0273) 321 104 Tel. : (0275) 642 109 : (0275) 642 457 : (0287) 471 701 : (0287) 472 727 : (0291) 594 031 : (0291) 592 300 Surabaya Darmo Jl. Fax. Tel. Yogyakarta UAJ Mrican Universitas Atmajaya Jl. Tel. : (0284) 324 165 : (0284) 324 165 Tel. Jend. Tel. Sudirman No. A. Pemalang Brebes Brebes Jl. Fax.A Dahlan No. 93 Kec. 59-61 Surabaya 60271 Jemur Andayani Jl. Laksda Adisucipto No. : (0287) 382 036 : (0287) 382 037 Tel. Fax. Malioboro No. A. Fax. Ruko Pasar Tumenggungan Blok 12-13. Tel. 53-A Surabaya 60237 Perak Jl. Fax. Jend. Fax. Fax. 29 A Yogyakarta UAJ Babarsari Jl. Fax. Sudirman No.125. : (0285) 421 140 : (0285) 423 753 : (0285) 424 361 : (0285) 424 361 : (0285) 577 444 : (0285) 577 444 : (0285) 785 748 : (0285) 784 920 Tel. 20 Cilacap 53213 Pekalongan Pekalongan Jl. Sudirman No. 56. 605 Purwokerto 53114 Karang Lewas Karang Lewas Ruko Pasar Karanglewas No. Fax. Godean Km. Demangan Baru No. Fax.5. Fax. Brigjem Katamso No. Kab. Panti Rapih Jl. Fax. Tel. Fax. Fax. Fax. Yogyakarta Adisucipto Jl. Tel. Yogyakarta Kusumanegara Jl. Yogyakarta 55122 Gejayan Jl. Surabaya 60225 Husada Jl. : (0274) 565 338 : (0274) 565 095 : (0274) 373 800 : (0274) 410 065 : (0274) 621 779 : (0274) 621 779 : (0274) 557 620 : (0274) 557 621 : (0274) 550 172 : (0274) 520 873 : (0274) 553 545. Tel. : (0283) 671 312 : (0283) 671 312 Tel. Sudirman No. Tunjungan No. Brebes Purwokerto Purwokerto Jl. 5. 118 Yogyakarta 55121 Banyuraden Ruko Banyuraden No. Yos Sudarso Gombong Jepara Jl. Yogyakarta Sanata Darma Jl. : (0281) 659 7194 : (0281) 891 945 Tel. Tel. Tel. 36 . Tel. Perak Barat No. Diponegoro No. Tel. Tel. Fax. Jl. Dharmahusada No. Fax. Mayjen Sutoyo 14. Jend. Raya Kedungwuni No. Jend. Fax. Yani Kroya DI Yogyakarta Tel. Pusat UGM Yogyakarta Sudirman Jl. Kaliurang. 50 Yogyakarta 55224 Malioboro Jl. Sudirman 37 Purbalingga Kebumen Kebumen Komp. 901 998 : : (0274) 565 152 : (0274) 565 151 : (0274) 564 527 : (0274) 564 527 : (0274) 389 303 : (0274) 377 404 : (0274) 487 635 : : (0274) 561 103 : (0274) 561 103 : (0274) 554 074 : (0274) 554 074 : (0274) 563 333 : (0274) 546 862 : (0274) 562 119 : (0274) 562 119 : (0274) 370 331 : (0274) 381 086 : (0274) 540 716 : (0274) 540 716 : (0274) 513 909 : (0274) 513 909 Tel. Tel. Fax. Sudirman No. 47. : (0282) 494 309 : (0282) 494 309 Bank CIMB Niaga Annual Report 2009 331 . Raya Darmo No. Jemur Andayani No. : (0281) 633 523 : (0281) 633 523 Tel. Fax. Fax. Mrican Tromol Pos 29 Yogyakarta RS. 60. Fax.

Yani Jl. Fax. Fax. Moestopo No. Fax. Fax. 23-25 Surabaya 60251 Pucang Anom Jl. Tel. Tel. Tel. Tel. Fax. Tel.612 Surabaya Terminal Peti Kemas Surabaya Jl. 71-73 Kav A-2 Sepanjang. 7-8. Tel. Kembang Jepun No. 15-A Sidoarjo 61212 Waru Gateway Waru. Fax. A. Fax. Tel. Fax. 53 Surabaya Kertopaten Jl. Klampis Jaya No. 75-77 Surabaya Tel. Ahmad Yani 260 Surabaya Tanjung Perak Timur Ruko Perak timur Blok A 6 No. Fax. Surabaya Baliwerti Jl. Fax. Tel. Tel. Mayjend Sungkono No. Ngagel Jaya Selatan G-3 Surabaya 60283 Rungkut Jl. Fax. HR Muhammad 49-55 Surabaya Sidoarjo Sidoarjo Jl. Raya Tropoda 115 Sidoarjo 61256 Krian Jl. 27 E (D. Tel. 139 Surabaya 60261 Wiyung Jl. No. 88. Tel. Diponegoro No. Fax. Tel. Fax. Fax. Tel. Ruko Gateway B-9 Sawotratap Jl. Jemursari No. Tel. Tel. Surabaya Pasar Turi Pertokoan Sinar Galaxy Pasar Turi B-62. A-18 Jl. Raya Menganti A-18 Wiyung Surabaya Hyatt Hotel Jl. Fax. Surabaya 60161 Kembang Jepun Jl.R. Baliwerti No 113 Surabaya Raya Darmo Raya Darmo Square Business Center Building Blok D6-D7. 161 Surabaya 60237 Rich Palace Jl. Tel. Surabaya 60115 Kembang Jepun Jl. 47 Surabaya 60285 Pasar Atum Mall Lantai 1. : (031) 868 6349 : (031) 868 6362 : (031) 897 1987 : (031) 897 2758 : (031) 788 6882 : (031) 788 6883 Tel. Tel. Kedungdoro No. Fax. Tel. Kertopaten 56-C. Prof.Tanjung Mutiara No. 129 Surabaya 60161 Kapas Jl. Tel. Fax. Fax. 166 Surabaya 60112 Gedung Graha Pena Jl. Kapas Krampung No. Fax. Fax. : (031) 568 1307 : (031) 566 8230 : (031) 829 3284 : (031) 829 3283 : (031) 328 2245 : (031) 328 2243 : (031) 328 2145 : (031) 328 2145 : (031) 567 1055 : (031) 567 1732 : (031) 531 8875 : (031) 531 9233 : (031) 734 3819 : (031) 734 3820 Tel. Tidar No. Raya Darmo No. Manyar Kertoarjo V No. 151 Ruko Rich Palace Blok R-22 Surabaya 60189 Pakuwon Trade Centre Komplek Pertokoan Super Mall Lantai 2 Blok T1 No. Fax. Surabaya Sukomanunggal Jl. 57 Surabaya 60293 Mulyosari Jl. 50 Surabaya H. Fax. Fax. 44 Krian Sidoarjo Sepanjang Jl. Raya Kali Rungkut Surabaya Manyar Kertoardjo Jl. Tel. Tel.Alamat Kantor Bank CIMB Niaga Bank CIMB Niaga Directories RMI Pertokoan Manyar Mega Indah Jl. Raya Sukomanunggal Jaya B-01 Surabaya Tidar Jl. Fax. Yani No. Surabaya 60266 Surabaya . : (031) 896 1157 : (031) 896 1327 : (031) 854 2908 : (031) 855 4102 Tel. 71-A Surabaya 60135 Kedung Doro Jl. 54-56. : (031) 594 1470 : (031) 594 7750 332 Bank CIMB Niaga Laporan Tahunan 2009 . Fax. Fax. Tel. : (031) 502 6660 : (031) 503 0281 Mulyosari Jl. Surabaya 60123 Mega Galaxy Jl. Kauman No. Fax. Tel. Rungkut Madya No. Fax. Fax.Diponegoro Jl. Tel. Fax. Tel. 45. : (031) 596 3587 : (031) 599 7539 : (031) 849 7623 : (031) 849 1838 : (031) 353 1715 : (031) 353 4403 : (031) 357 7869 : (031) 355 2753 : (031) 376 3202 : (031) 371 2905 : (031) 353 2028 : (031) 352 3687 : (031) 548 2636 : (031) 548 2638 : (031) 567 1020 : (031) 567 5804 Tel. Tel. 26 A Surabaya A. Tel. Fax. Raya Gubeng No. Mayjen Sungkono No. : (031) 739 0562 : (031) 739 0561 : (031) 596 8066 : (031) 596 8237 : (031) 591 5069 : (031) 591 5056 : (031) 6002 9066 : (031) 352 2041 : (031) 596 8266 : (031) 6000 9216 : (031) 532 4899 : (031) 532 7648 : (031) 767 4272 : (031) 767 1329 : (031) 532 5159 : (031) 545 2660 : (031) 732 9161 : (031) 734 9920 : (031) 532 1025 : (031) 531 1286 : (031) 502 6123 : (031) 502 5791 : (031) 595 0407 : (031) 599 6533 : (031) 870 4854 : (031) 870 0216 Tel. Sidoarjo Tel. Kertajaya Indah Timur 16-B/6 Surabaya 60117 Universitas Airlangga Kampus C Unair Jl. Tel.1) Surabaya Semarang Ruko Megah Raya Blok B . Kalijaten No. Basuki Rahmat 106–128. 27 Surabaya 60282 Kusuma Bangsa Jl. Raya Mulyosari No. Fax. Tel. Surabaya Jemursari Jl. Tel. A. Fax.5 Jl.1 Surabaya Sungkono Jl. Fax. 12. : (031) 870 4648 : (031) 871 1120 : (031) 593 4815 : (031) 594 5092 : (031) 829 9371 : (031) 829 9371 : (031) 504 2647 : (031) 504 2647 : (031) 357 3672 : (031) 357 3743 : (031) 847 6249 : (031) 847 8386 : (031) 568 8044 : (031) 568 7649 Tel. Fax. Tel. Jl. Mulyorejo. Muhammad Ruko Beverly Park A-1 Jl. Tel. Fax. Bunguran No. Fax. Mulyosari 104/PC-26 Surabaya Jemursari Ruko Jemursari Blok A-10 Surabaya Pasar Atom Pasar Atom Shopping Centre Tahap IV G No. 67 Jl. Tel. Pucang Anom Timur No. Fax. Tel. Fax. Fax. Fax. Fax. Yani No. Surabaya 60231 Kampus UNAIR Jl. 93 Surabaya 60187 Gubeng Jl. Suparman Waru Sidoarjo 61256 Wadung Asri Ruko Sentra Tropoda No. Kembang Jepun No.

34 Jember 68111 Bondowoso Bondowoso Jl. 56-58 Tulungagung 64212 BALI Denpasar Melati Jl. Fax. Fax. Panglima Sudirman No. A. 48 Malang Kyai Tamin Jl. Tel. Fax. PB Sudirman 23-25 Banyuwangi 68416 Genteng Komplex Psr. Fax. Tel. Fax. Fax. 159. Yani No.4. Fax. Malang 65115 A. Gajah Mada No. Mojopahit No. Fax. Letjen S. 60 Bojonegoro 62111 Tuban Jl. 115-117 Malang S. Sutomo No. Tel. Veteran No.Introduction Key Message Planning & Strategy Financial Performance Business & Operations Report Corporate Governance Social Responsibility Shareholders’ Information Corporate Data Malang Malang Jl. Denpasar 80233 Sriwijaya Komplek Pertokoan Sriwijaya. Melati No. Fax. Fax. Fax. 56 Madiun 63121 Magetan Jl. Tel. Fax. Fax. Galunggung No. Fax. Diponegoro No. Sutomo Plaza Blok B No. Dampit Town Square Mall Malang Town Square Unit GE-2 11. 16. Tel. Fax. 29. Yani No. 116. Fax. : (0342) 809 028 : (0342) 807 464 Tel. Tel. Parman 120 Malang Kepanjen Jl. : (0335) 428 633 : (0335) 428 698 : (0343) 427 574 : (0343) 426 043 : (0334) 893 377 : (0334) 893 399 Tel.68 Lamongan Jember Jember Gajah Mada Jl. Fax. Lamongrejo No. Yani Jl. Malang 65148 RSSA Rumah Sakit Dr. 2–2A Malang 65141 Merdeka Jl. 11 Jl. Magetan Ngawi Jl. : (0322) 314 281 . Gajah Mada No. 256. Parman Jl. Tel. Fax. : (0351) 454 061 : (0351) 463 291 : (0351) 895 383 : (0351) 895 383 : (0351) 749 913 : (0351) 749 913 : (0352) 481 761 : (0352) 488 548 Tel. Sepudi No. 26. 12 Malang Gresik Gresik Sutomo Jl. Tel. Ahmad Yani No. : (0332) 424 224 : (0331) 422 224 Tel. Merdeka Timur No. Fax. Tel. Jl. : (031) 398 2103 : (031) 398 2605 : (031) 398 1910 : (031) 398 4172 Tel. (0322) 322 581 Tel. Pare Madiun Madiun Jl. Jombang 61400 Mojokerto Jl. : (0341) 404 411 : (0341) 404 410 Bojonegoro Bojonegoro Jl. Basuki Rahmat No. Sudirman No. Fax. Fax. 18-E. : (0355) 334 666 : (0355) 322 581 Tel. Panglima Sudirman Pasar Plaza Ruko Blok A-11 Lumajang Tulungagung Tulungagung Jl. Kediri Jawa Timur 64121 Jl. Fax. 11. 33 . Fax. Fax. Kepanjen Dampit Ruko Jl. RA Kartini No. Dr. Malang 65125 Malang Town Square (Matos) Unit GE-2 No. : (0341) 363 100 : (0341) 327 616 : (0341) 581 505 : (0341) 581 506 : (0341) 411 891 : (0341) 411 890 : (0341) 586 011 : (0341) 559 145 : (0341) 359 960 : (0341) 359 960 Nganjuk Jl. A. Raya Sultan Agung No. Gajah Mada Banyuwangi Sitobondo Situbondo Jl. 2 Malang 65111 Soekarno Hatta Ruko Soekarno Hatta Jl. Tel. Fax. : (0358) 323 088 : (0358) 325 205 : (0354) 394 777 : (0354) 391 299 Tel. Fax. Fax. : (0353) 887 591 : (0353) 887 592 : (0356) 333 243 : (0356) 320 200 Tel. Raya Pasar Besar Blok A-1 Pasuruan Lumajang Jl. Fax. Fax. Panglima Sudirman No. Fax. 11 Ponorogo Tel. Jember 68131 Jember Diponegoro Jl. : (0341) 365 914 : (0341) 365 913 : (0341) 594 424 : (0341) 594 472 : (0341) 365 920 : (0341) 326 897 : (0341) 487 524 : (0341) 487 525 : (0341) 397 177 : (0341) 397 178 : (0341) 898 686 : (0341) 895 152 : (0341) 559 292 : (0341) 559 393 Jl. 9-10 Probolinggo Pasuruan Jl. Fax. 32. Diponegoro No. 15 A Situbondo 68322 Jombang Jombang Jl. : (0361) 232 929 : (0361) 263 510 : (0361) 765 175 : (0361) 759 749 Bank CIMB Niaga Annual Report 2009 333 . Genteng Blok B-1 Jl. Tel. 58. Fax. Gresik 61119 Gresik Kartini Jl.Yani No. Fax. 27 Kediri 64123 Tel. Panglima Besar Sudirman 24 Bondowoso Kediri Kediri Jl. Tel. Nganjuk Pare Jl. Dr. Fax. : (0333) 411 522 : (0331) 411 528 : (0333) 842 056 : (0333) 842 058 Tel. : (0354) 671 777 : (0354) 683 995 : (0354) 684 290 : (0354) 684 295 Tel. 26-28 Malang 65111 Galunggung Jl. A-8 Kuta 80361 Tel. Mojokerto Probolinggo Probolinggo Jl. Tel. 4 Malang 65119 Batu Jl. Tel. Tel. Diponegoro No. Tel. Fax. Tel. Fax. Fax.98 Ngawi Jl. WR Supratman No. 36. Tuban Jawa Timur Blitar Jl. Fax. Brawijaya No.6. 28 Kav-11 Blitar 66112 Banyuwangi Tel. Veteran No. Tel. Fax. Tel. Fax. Merdeka No. : (0321) 875 396 : (0321) 875 320 : (0321) 326 265 : (0321) 326 391 Tel. Tel. 236 Kav. Pahlawan No. Kyai Tamin No. Tel. Saiful Anwar (RSSA) Jl. Jenggolo No. Soekarno Hatta No. Fax. 2. Tel. : (0331) 487 311 : (0331) 484 264 : (0331) 482 366 : (0331) 482 011 Tel. : (0338) 679 113 : (0338) 679 115 Tel. 74. 2&3 Gresik Lamongan Lamongan Jl. Tel. Jaksa Agung Suprapto No. Basuki Rahmat No. A.

Fax. Batam 29432 Tel. Fax. Raya Ubud No 79 Ubud Gianyar Denpasar Nusa Dua Komplek Pertokoan Tragia Blok E III No 29 Nusa Dua. Tel. Tel. 3 Medan Asia Jl. Blok I No. AIP II KS. Teuku Umar No. Letda Sujono 162. Nagoya. Sudirman 68-70. Gajah Mada No. H. 201. Fax.Tubun No. HM. Tel.4. Fax. Tel. Fax. Fax. Raya Uluwatu II. Tel. 1 ABC.63 Labuan Batu Sumatera Utara Pematang Siantar Pematang Siantar Jl. Gatot Subroto No. 99. Medan 20231 Yos Sudarso Jl. Bandung 29–31. 1–3 Medan 20111 Sujono Jl. Sipin Ujung Jambi Angso Duo Komp. 118 B. 608 Perdagangan. Fax. Medan 20214 Gatot Subroto Jl. Duta Plaza. : (061) 456 1888 : (061) 456 5702 : (061) 734 2096 : (061) 734 2096 : (061) 456 5336 : (061) 456 3337 : (061) 453 1338 : (061) 453 2530 : (061) 661 3542 : (061) 661 4697 : (061) 661 3020 : (061) 661 1622 : (061) 736 2955 : (061) 736 1544 : (0624) 327 706 : (0624) 327 706 Tel. Fax. 61 . Sisingamangaraja No. Sutomo Ujung 247-249 Medan Kereta Api Jl. Fax. Medan Tel. Fax. Fax. : (0361) 742 1658 : (0361) 704 271 : (0361) 236 779 : (0361) 236 950 / 884 : (0361) 436 047 : (0361) 436 048 : (0361) 430 345 : (0361) 430 345 : (0361) 977 493 : (0361) 976 492 : (0361) 772 793 : (0361) 772 058 : (0361) 814 580 : (0361) 814 489 : (0361) 224 389 : (0361) 238 243 : (0361) 761 788 : (0361) 761 789 : (0361) 285 250 : (0361) 285 251 Thamrin Jl. Tel. By Pass Ngurah Rai Denpasar SUMATERA UTARA / NORTH SUMATERA Medan Bukit Barisan Jl.Alamat Kantor Bank CIMB Niaga Bank CIMB Niaga Directories Jimbaran Ruko Jimbaran Arcade Jl. Tel. Jambi KEPULAUAN RIAU / RIAU ISLANDS Batam Sei Panas Jl. Medan 20117 Simpang Limun Jl. Tel. Dewi Sartika Blok I F-G Komp. Fax. Pasar Jambi. Tel. Juanda No. AR. Prof. Fax. Gatot Subroto No 89 C Denpasar Denpasar Ubud Jl. Bali Teuku Umar Rukan Telkom. Bukittinggi 26113 Jambi Jambi Jl. By Pass Ngurah Rai No. Tel. Fax. Fax. Fax. : (0752) 628 600 : (0752) 628 606 Tel. MH. Abun Jani No. Fax. : (061) 415 5445 : (061) 453 0142 : (061) 415 1100 : (061) 452 4664 : (061) 452 8550 : (061) 452 8551 : (061) 684 0080 : (061) 685 0090. Tel.31. Medan 20224 Pemuda Jl. Sultan Thaha Sjaifuddin Blok A No. Hakim 70–72. Denpasar Kediri Tabanan Kompleks Pertokoan Pesiapan TabananKediri. Fax. Medan Polonia Jl. Fax. : (0778) 432 832 : (0778) 432 834 334 Bank CIMB Niaga Laporan Tahunan 2009 .Yamin SH 80. Tel. Medan Rantau Prapat Jl. Tel. Fax. Tel. Tel. Sumatera No. : (0621) 21 800 : (0621) 22 113 Tel. Ir. 175 B-C Tebing Tinggi 20611 SUMATERA BARAT / WEST SUMATERA Padang Padang Jl. Yos Sudarso 225-J Medan Sutomo Ujung Jl. Fax. Thamrin No. Fax. : (0741) 32 900 : (0741) 22 582 : (0741) 668 089 : (0741) 63 979 : (0741) 783 7230 : (0741) 783 7217 Tel. Sang Nawuluh Blok A No. Medan 20152 Kawasan Industri Medan Jl. Yani No. 07 Medan 20111 Gajah Mada Jl. Fax. Fax. Tel. Tel. Fax. Denpasar Kuta GRAHA LIPPO Jl. Tel. Yamin SH 148. Denpasar Dewi Sartika Jl. Fax. Jl. 19.Thamrin Jl. Medan 20153 Juanda Jl. Iskandar Muda127. Tel. Padang 25112 Pondok Jl. Ahmad Yani No. A. Sudirman No. Tel. Tel. 11. Tel. Dr. Sudirman 14 Polonia. Sei Panas Batam 29432 Nagoya Kompleks Nagoya Business Centre Blok 6/26. : (0778) 426 777 : (0778) 454 373 Tel. Fax. 4–5 Denpasar 80114 Denpasar . Tel. Medan Bandung Jl. Tel. Tel. 56. Aksara No. Fax. Sisingamangaraja 17. Tel.14 A-B. 28 Pematang Siantar Tebing Tinggi Tel. Fax. Pahlawan 60 Tanjung Morawa Medan Grand Paladium Mall Jl. Asia No. Tel. 77 Denpasar 80119 Gatot Subroto Jl. Tel. HM. Fax. Jambi 36113 Sipin Jl. Tel. Executive Centre. 88 Kuta Denpasar Sanur Komplek Pertokoan Sanur Raya 29-30 Jl. Kol. Pondok No. Fax. Medan Mohammad Yamin Jl. Fax. Fax. Laksamana Bintan Komp. Sutomo No. Fax. Tel. Fax. Kapten Maulana Lubis GE 1 No. 5 Pematang Siantar 21117 Perdagangan Jl. 7. Fax. Fax. Fax. Fax. Jimbaran. Pematang Siantar Megaland Jl. Medan Tanjung Morawa Jl. Medan 20211 Aksara Jl. Fax. Fax. Fax. Fax. Fax. 684 0090 : (061) 733 0707 : (061) 735 4807 : (061) 415 6622 : (061) 452 4827 : (061) 786 7313 : (061) 786 7939 : (061) 453 8189 : (061) 415 6201 : (061) 794 4536 : (061) 794 4538 : (061) 451 6022 : (061) 451 6051 : (061) 735 2508 : (061) 735 2513 : (061) 415 1188 : (061) 415 6889 : (061) 452 1822 : (061) 452 5618 : (061) 882 2552 : (061) 882 1526 Tebing Tinggi Jl. Pemuda No. Tel. : (0751) 32 533 : (0751) 34 022 : (0751) 37 569 : (0751) 31 884 Tel.187 A-B Medan 20112 Iskandar Muda Jl. Tel. Pos (d/h Bukit Barisan) No. Tel. 95 E. Tel. : (0622) 21 227 : (0622) 24 632 : (0622) 96 891 : (0622) 96 891 : (0622) 23 000 : (0622) 433 760 Tel. Wiltop Trade Center Jl. Merdeka No. Padang Bukit Tinggi Bukit Tinggi Jl. Medan Binjai Jl.

Pekanbaru Ahmad Yani Jl. 23 Palembang 30121 Mesjid Lama Jl. Kijang Pulau Bintan Bintan Center Jl. Fax. Fax. 1344C Palembang Lampung Lampung Jl. Fax. Tel. 5 Ajibarang Tel. Balikpapan Balikpapan Kebon Sayur Jl. Fax. Batam 29432 Lumbung Rezeki Kompleks Lumbung Rezeki Blok G 6. 11. 410.Introduction Key Message Planning & Strategy Financial Performance Business & Operations Report Corporate Governance Social Responsibility Shareholders’ Information Corporate Data Hang Kesturi Jl. Fax. : (0761) 29 868 / 565 : (0761) 29 838 : (0765) 594 760 : (0765) 594 750 : (0761) 572 026 : (0761) 572 023 Jl. Tel. Jl. : (0711) 439626 : (0717) 438 271 Tel. Batam 29422 Sei Panas Kompleks Gold Hill Blok A No. 177 Dumai 28811 SUMATERA SELATAN / SOUTH SUMATERA Palembang Palembang Jl. Masjid Jamik. Tel. Sudirman.7. Tel. 160 Samarinda Sutomo Jl. Let. Fax. Tel. Fax. Malahayati No. 2. Sudirman No. Fax. Laksamana Bintan Sei Panas. 132 B Palembang 30129 Rustam Efendi Jl. Tel. Palembang II No. Jend. Fax. Tel. Sudirman Klandasan Ulu. Jend. Dr. A. : (0761) 559 041 : (0761) 559 039 : (0761) 20 088 : (0761) 24 530 : (0761) 566 862 : (0761) 566 864 : (0761) 853 436 : (0761) 856 989 : (0765) 439 696 : (0765) 439 698 Tel. Tel. Jend. Duri Pekanbaru 28884 Nangka Jl. : (0542) 739 200 : (0542) 739 201 : (0542) 875 609 : (0542) 876 475 : (0542) 733 037 : (0542) 733 122 : (0542) 426 756 : (0542) 426 834 : (0542) 742 245 : (0542) 742 243 Tel. Tel. Tel. : (0721) 485 773 : (0721) 483 296 : (0721) 259 877 : (0721) 259 787 : (0721) 261 994 : (0721) 263 442 Tel. Blok A No. Yani Km 2 No. Pangkal Pinang. Tel.Balikpapan Permai Blok G1 No. 83 Balikpapan 76121 Balikpapan Permai Komp. Mesjid Lama No. AKBP Cek Agus No. 66 RT IV Tenggarong KALIMANTAN SELATAN / SOUTH KALIMANTAN Banjarmasin Banjarmasin Jl. Fax. Tuanku Tambusai 320-H. Tel. Soetomo No. Tel. Tel. 26 Banjarmasin 70111 Ahmad Yani Jl. Tel. Tel. 140A Bandar Lampung 35118 Tanjung Karang Jl. Fax. Batu Aji Batam Bangka Pangkal Pinang Jl. Fax. Lambung Mangkurat No. 34–40 Bandar Lampung 35224 Raden Intan Jl. Rustam Efendi No. Fax. Kolonel Atmo No.1 Jl. : (0711) 377 770 : (0711) 377 755 : (0711) 362 258 : (0711) 365 617 : (0711) 312 881 : (0711) 310 881 Jl. Fax. Fax. Fax. Sudirman No. Penuin. Khalid No. : (0778) 711 111 : (0778) 711 424 : (0778) 432 000 : (0778) 450 501 : (0778) 457 208 : (0778) 426 075 : (0778) 466 622 : (0778) 466 623 : (0778) 363 111 : (0778) 363 150 Kol. 110–111 Palembang 30215 Tel. Pasar Berdikari 30. Hangtuah No. Fax. Tel. Atmo Jl. Tuanku Tambusai Komplek Nangka Sari Blok A 17-18 Pekanbaru 28125 Chevron Rumbai Banking Center Chevron Rumbai Pekanbaru Jl. Jend. Sultan Syarif Qasim No. S. Laks. A.5. Batam 29432 Top 100 Kompleks Pertokoan Plaza TOP 100. Fax. DI Panjaitan Km 9. Bintan Center Tanjung Pinang Tanjung Pinang Tanjung Pinang Jl. A. Hang Kesturi KM IV Kabil Indonusa Estate. : (0511) 325 7990 : (0511) 325 7501 : (0511) 436 7508 : (0511) 436 7929 : (0511) 326 2953 : (0511) 326 2987 Tel. Kel. 11 Tanjung Pinang 29111 RIAU Pekanbaru Jl. Jend. Fax. Fax. Fax. Fax. Jend. Fax. Fax. Balikpapan 76112 Mall Fantasy Mall Fantasy Balikpapan Baru 76114 Balikpapan Jl. K. Fax. Tel. : (0771) 27 947 : (0771) 27 950 Tel. 255 CD Pekanbaru 28112 Duri Jl. Diponegoro 53D. Jend. Sudirman No. Kec.2 Jl. Samarinda Ilir Samarinda 75112 Simpang Merak Jl. Fax. Pangeran Samudera No. Fax.163–165 Pekanbaru 28112 Nangka Raya Jl.Sultan A. Merdeka No. Fax. Fax. Sudirman No. Fax. Masjid Jamik. Bangka Pulau Bintan Kijang Jl. Tel. : (0541) 739 100 : (0541) 739 101 : (0541) 202 844 : (0541) 202 845 : (0541) 732 723 : (0541) 735 239 : (0541) 203 200 : (0541) 203 600 : (0541) 202 400 : (0541) 732 040 : (0541) 664 111 : (0541) 664 109 Tel.Rahman. 39 RT V Samarinda Tenggarong Jl. Tel. 591 Palembang Kenten Jl. Raden Intan No. 32 Samarinda 75111 Lambung Mangkurat Jl. Tel. Fax. Parman Blok C 24 Samarinda Samarinda Jl. Rangkui. Banjarmasin 70233 Tel. Fax. 16–18 Lampung 35111 KALIMANTAN TIMUR / EAST KALIMANTAN Balikpapan Tel. Yani Km. Ahmad Yani 25 Pekanbaru Dumai Jl. Tel. Jend Suprapto RT 17 No. Fax. Batam Batu Aji Komplek Cipta Agung No. Fax. 23 Balikpapan 76131 Samarinda Tel. Yani No. Tel. H. Tel. Tel. Fax. : (0711) 313 880 : (0711) 311 905 : (0711) 312 706 : (0711) 312 706 Tel. Raya Pancasan Ruko Pasar No. Fax. 6 Banjarmasin Ajibarang Ajibarang Jl. Fax. Fax. : (0771) 61 692 : (0771) 61 261 : (0771) 442 866 : (0771) 442 865 Kompleks Ruko Bandar Balikpapan Blok C-12A & 14. Tel.8 Jl. M. Fax. Fax. 5. Tel. : (0281) 572 831 : (0281) 572 831 Bank CIMB Niaga Annual Report 2009 335 .

Fax.9 Tamalanrea Makassar Bandang Jl. Fax. Timika Mimika. 323 688 : (0901) 323 684 Tel. Fax. Fax. 351 286 : (0901) 351 233 : (0901) 352 333 : (0901) 352 352 Tel. Sudirman No. 34. 19A. 33. Tel. Fax. KH Wahid Hasyim No. Jl. 8 Makassar MALUKU Ambon Ambon Jl.17-18 Pekanbaru Tel. 29 Denpasar 80233 SUMATERA Medan CIMB Niaga Card Center Komplek Multatuli Indah Blok BB No. Tel. Tel. Fax. Fax. Tel. Veteran Selatan No. Pontianak Selatan Pontianak SULAWESI UTARA / NORTH SULAWESI Manado Jl.Alamat Kantor Bank CIMB Niaga Bank CIMB Niaga Directories KALIMANTAN BARAT / WEST KALIMANTAN Pontianak Pontianak Lippo Graha. Komplek Ahmad Yani Mega Mall Blok A-3. Mimika Tembagapura. 18 LT. : (0901) 412 867 : (0901) 412 867 : (0901) 323 684–6. : (0411) 318 718 : (0411) 317 049 : (0411) 456 284–5 : (0411) 456 286 : (0411) 811 338. Fax. 26 Makassar Ruko Global Trade Center GA 9 Jl. 150. Manyar kertoarjo V No.75 . Tel. Tembagapura Papua Yos Sudarso Jl. 841 830 : (0431) 878 527 : (0431) 888 0760 : (0431) 888 0772 : (0431) 853 901 : (0431) 853 906 Tel. Jend. Fax. Makassar 90111 Veteran Gedung Kenari Petak IV Jl. : (0901) 301 234 : (0901) 301 233 Tel. 50 Yogyakarta JAWA TIMUR / EAST JAVA CIMB Niaga Manyar Kertoarjo Jl. Raya Boulevard Ruko Rubby No. Fax. Makassar 90174 Panakkukang Jl. Gajahmada No. Fax. Fax. Fax.15224 SALES CENTER Jakarta CIMB Niaga Gajah Mada Jl. : (024) 3562721 : (024) 3540184 Tel. Tembagapura Papua 99930 Tembagapura II Family Shopping Centre. Kuala Kencana Centre Mimika. 62. Tel. Tel. 10-12 Makassar Matahari Plaza Maricaya Jl. Fax. Tel. Lantai 10 Jl. Nangka Sari Blok A No. 2 Panakkukang. Fax.961 : (0411) 452 908 : (0411) 580 225 : (0411) 580 275 : (0411) 326 013 : (0411) 325 969 : (0411) 831 485 : (0411) 851 586 : (0411) 838 986 : (0411) 838 935 : (0411) 862 012 : (0411) 860 757 Tel. Fax. Fax. Veteran Selatan No. Makassar Makassar Gowa Makassar Jl. Tel. Walanda Maramis No. Diponegoro No. Falatehan I No. Sisingamangaraja No. Fax. Tanjung Pura Pontianak 78117 Mega Mall A. : (031) 5963041-42 : (031) 5963045 Tel. Fax. Fax. Tel. : (0901) 351 234–5. Fax. Phase III. : (0361) 264 433 : (0361) 263 510 Tel. Papua 99910 LUAR NEGERI / OVERSEAS CAYMAN ISLANDS Elizabethan Square. Fax. Fax. Fax. Perintis Kemerdekaan Km. 89 Ambon PAPUA Mimika Kuala Kencana Suite 103. Fax. Yani Jl. Papua 99920 Tel. Fax. Fax. : (0561) 730 101 : (0561) 730 222 : (0561) 761 212 : (0561) 761 209 Tembagapura I Single Shopping. 5-6. Metro Tanjung Bunga.0337 : (0411) 321 903 : (0411) 321 925 : (0411) 436 960 . Makassar 90133 Losari Jl. Yos Sudarso No. Fax. : (021) 63857707 : (021) 6326701 : (021) 72796925 : (021) 72796931 Tel. : (0911) 355 171 : (0911) 353 239 : (0911) 355 167 : (0911) 342 088 Tel. Wahid Hasyim Blok B4 no. A. Makassar 90233 Kakatua Jl. Tel. : (021) 29972400 : (021) 74863573 Tel. Fax. Makassar Tamalanrea Jl. Tel. Kawasan Niaga Bintaro. 844 008 : (0431) 860 400 : (0431) 878 525. 41 Medan 20151 Pekanbaru CIMB Niaga Tuanku Tambusai Jl. 102 – 104 Semarang DI YOGYAKARTA CIMB Niaga Sudirman Jl.Tuanku Tambusai Komp. 205 Manado 95113 Jl.3 Bintaro Jaya Sektor 7. : (1-345) 945 2003 : (1-345) 945 2004 Tel. Cayman Islands British West Indies CIMB NIAGA CARD CENTRE KANTOR PUSAT / HEAD OFFICE Gedung Griya Niaga II . Mimika. 96 Ambon 97127 Sam Ratulangi Jl. Papua 99930 Ridge Camp. Ahmad Yani No. Penghibur No. Sam Ratulangi No. Fax.Surya Sumanti Ruko Kav 8-E Lantai 3 Bandung JAWA TENGAH / CENTRAL JAVA Semarang CIMB Niaga Pemuda Jl. Dr Sam Ratulangi No. Bandang No. Tel. Gedung SRC Jl. Calaca Manado 95121 Kompleks Ruko Mega Mas Blok 1C No. Jl. 7 Kebayoran Baru Jakarta 12160 JAWA BARAT / WEST JAVA Bandung CIMB Niaga Surya Sumantri Jl.220 : (0761) 572023 336 Bank CIMB Niaga Laporan Tahunan 2009 . Tel. Fax. 3rd floor Grand Islands. Tel. Fax. Melati No. Tangerang . Fax. Yani. Kakatua No. Tel. Pemuda No. Tel. Tel. 1. : (031) 6002 2221 : (031) 356 4030 Tel. Mimika. : (061) 4565692 : (061) 4565774 : (0761) 572028 Ext. : (022) 2020915 : (022) 2002541 Tel. Fax. : (0431) 863 100. 137 Manado SULAWESI SELATAN / SOUTH SULAWESI Makassar Jl. 871 891 : (0411) 811 0338 . 2 Jakarta Pusat – 10130 CIMB Niaga.77 Surabaya BALI Denpasar CIMB Niaga Melati Jl. Piere Tendean (Boulevard) Manado 95122 Ranotama Jl.

Tel. Fax.Pertokoan Plaza Top 100 Penuin Blok A No 11 Batam Palembang CIMB Niaga Sudirman Jl. Yani Jl. Jakarta 13450 Mahakam Hotel Grand Mahakam Jl. 11. Jend. Fax. Slamet Riyadi No. Fax. 110. 6344 657. Pajajaran (Gunung Gede) No. Tel. Tel. : (021) 250 5151 / 5353 ext. Fax. Sudirman. Tel. Sudirman NO. Fax. Fax. Fax. Gajah Mada No. 2 Makassar Tel. Fax. : (0711) 377770 : (0711) 377755 Jl. Tel. 15–16 Jl. 735 679 Tel. : (031) 566 7223. Tel. 18 Jakarta 10130 Kebon Jeruk Taman Aries Blok H–I No. Balikpapan MALANG Jl. Jakarta 10330 Bintaro Jl. Fax. Dharmahusada No. A. Tel. Kaliurang Sekip Blok L-4 Bulaksumur Yogyakarta 55281 SOLO Jl. Tel. 21083. Fax. 458 3914 ext. Bulevar Raya Blok LB 3 No. Fax. Raya Darmo No. Yani No. 5013 : (031) 566 7224 : (031) 843 4191. 33 Bogor 16143 BANDUNG Tel. Prof. 142 Surabaya 60132 BALIKPAPAN Komp. 586 5122 ext 107-108 : (021) 586 5127 : (021) 864 9125 : (021) 864 9126 : (021) 725 1465. 568 3060 ext. 725 1451 : (021) 230 1179 : (021) 230 0918 : (021) 520 5670. 14. Fax.133 : (0411) 335345 Jl. Tel. Magelang 56126 YOGYAKARTA Jl. 34-36 Jakarta 14240 Tebet Jl. 255 C-D Pekanbaru 28111 Tel. Gajah Mada No.28 Malang 65111 MEDAN Jl. Gatot Subroto Kav 35-36 Jakarta Selatan 12950 Tel. HR Rasuna Said Kav. : (022) 423 1134 (D). : (0778) 432000 : (0778) 450 501 BOGOR Jl. Fax. 15-A Jakarta 12810 Kemang Jl. 207. Fatmawati No. Jend. 46 Bandung 40115 Jl. Fax. Soepomo SH No. Tidar No. Fax. 424 1511 : (022) 423 1137. : (0231) 239 105 : (0231) 201 834 Jl. Kebon Jeruk Jakarta 11620 Kalimalang Jl. 122–126 : (0274) 584 440. Fax. : (0411) 318718 Ext. Jakarta 12310 Fatmawati Jl. 520 5690 ext. Fax.2 ext. 33 Kebon Sirih. 725 1451 : (021) 725 1446. Cirebon 45123 SEMARANG JARINGAN LAYANAN / NETWORK SERVICES CIMB PREFERRED JAKARTA Graha Niaga Lantai 1 Jl. Jend. 252 2526 KUDUS Jl. 8. Tel. : (0291) 432 323 : (0291) 432 326 Bank CIMB Niaga Annual Report 2009 337 . Cikini Raya No. Bintaro Jaya Sektor VII (Gedung Bundar CIMB Niaga) Tangerang 15224 Kelapa Gading Jl. 6879 : (021) 529 71792 : (021) 527 2801 : (021) 527 2806 Tel. : (021) 3190 5444 / 5551 ext. 363 100 : (0341) 329 920 Tel. 208 : (021) 458 43914. 568 3257. Fax. Fax. Jend. Raya Jemur Andayani No. Solo 57111 Jl. Fax. 596 4161 : (031) 594 9480 Tel. Fax. Lembong No. Fax. Adi Sucipto No. Klandasan Jl. Sudirman Kav. 26 . Jl. : (021) 829 5579 ext 130 : (021) 829 9032 : (021) 719 93762 / 9373 : (021) 719 9279 : (021) 765 1050. Kemang Raya Kav. Bandung 40111 CIREBON Jl. 21084. Basuki Rachmat No. Jend. 420 9743 : (022) 202 2227 : (022) 203 8061 : (022) 426 3037 : (022) 426 3035 Tel. 21046 : (021) 252 1468. Tel. 7. Fax. Surabaya 60264 Tel. Tarum Barat Blok Q No. Fax. Tel. Kebon Sirih Raya No. Meruya Utara. : (0761) 295 65 : (0761) 298 38 : (061) 415 1100 ext. H. Siliwangi No. 53A Surabaya 60237 Husada Jl. 750 3451 ext 201. 20 Jakarta Selatan 12140 Gajah Mada Jl. Lt. 6385 7670 ext 1600-1602 : (021) 6344 621 : (021) 586 9011. X-O Jakarta 12910 Cikini Jl. Jakarta 12130 Kebon Sirih Jl. : (024) 850 7366 : (024) 850 7368 Tel. Manahan Solo 57139 Tel. 201 208 : (021) 3190 9178 : (021) 745 2223 : (021) 745 2024 : (0274) 550 171 . Fax. : (0542) 739 200 : (0542) 739 201 Tel. 21. Kudus 59317 PURWOKERTO Jl. Fax. 33. 12A . Fax. Tel. : (0251) 831 3456 : (0251) 832 0845 Tel. Fax. : (0341) 342 626. Ruko Bandar Balikpapan Blok C No. : (0271) 661 803 : (0271) 661 803 : (0271) 712 555. Medan 20119 Tel. Jakarta 12730 Metro Pondok Indah Jl. Bandung 40161 Tel.132 B Palembang 30129 INDONESIA TIMUR Makassar CIMB Niaga A. 31.202 . Dr. Tel. 111–117. Mahakam I No. Sukajadi No. Tel. 16. Jend Sudirman No. Ir. : (021) 450 0195. 2 Kalimalang. 71.Introduction Key Message Planning & Strategy Financial Performance Business & Operations Report Corporate Governance Social Responsibility Shareholders’ Information Corporate Data Batam CIMB NIAGA Penuin Komp. 58 Jakarta 12190 Kuningan Grand Melia Graha Surya Inter Nusa Ground Floor Perkantoran & Grand Melia Hotel Jl. Fax. 184.14. Tel. Ahmad Yani No. Juanda No. 6874. Tel. Fax. 843 2125 : (031) 843 4669 : (031) 594 9449 ext 124. 1. Sultan Agung no 121 Semarang 50232 MAGELANG Jl. Fax. 414 4866 : (061) 452 4664 Tel. Metro Duta Niaga Blok 2 UA No. PEKANBARU Jl. 67–69. Fax. : (0293) 362 204 : (0293) 364 121 Tel. 20024. 735 679 : (0271) 711 565. Sudirman No. Fax. Fax. 28. Fax. 766 6379 : (021) 765 1082 : (021) 765 6523 ext 1003 : (021) 759 08522 : (021) 6385 7570. Fax. Jakarta Pusat 10340 Gatot Subroto Gedung Citra Graha Lantai I Jl. : (0281) 642 660 : (0281) 642 651 Tel. Cut Mutia II. 550 152 Tel. 417 Purwokerto 53116 SURABAYA Jl. Fax.

MAKASSAR Jl. Jend. Sukajadi No. Melati No. 8 Kel. 1 No. Makassar 90174 Tel.Bandung Jl. Fax.Kediri Jl. 47-51 Jakarta 12160 JAKARTA Gedung Victoria 1st Floor Jl. : (021) 726 6050 / 51 (hunting) : (021) 720 7805 Tel. Kec. Fax. Pekalangan. Merdeka Raya No. 14 Solo Tel. Sunandar Priyo Soedarmo RKB 23. Raya HOS Cokroaminoto No. Fax. Fax. Jakarta 12310 Menara Sudirman Ground Floor Menara Sudirman Jl. 10 Kel. Ahmad Yani No. Fax. Fax. Denpasar 80233 Tel. Pusat Perbelanjaan Pondok Gede. : (022) 730 6260 : (022) 730 6261 : (022) 203 5131 : (022) 203 8127 Tel. 37 C Makassar LHOKSEUMAWE Lhokseumawe Nanggore Aceh Darusalam Jl. Raya Nusantara No. A. : (0354) 391 155 : (0354) 391 155 338 Bank CIMB Niaga Laporan Tahunan 2009 . : (0274) 543 112 : (0274) 550 877 Tel. Jend. Tel. Fax. Pare. 317 049 : (0361) 232 928 / 929. Surabaya 60251 BANDUNG Bandung Jl. Gerendeng. Pekalipan Cirebon Kebonjati . Tel. Ruko Blok I No. : (0721) 261 994 : (0721) 488 088 Tel. : (0271) 634 100 : (0271) 634 100 : (0293) 311 731 Tel. Raya Pasar Minggu No. Fax. Tel. 28 A Yogyakarta JAWA TIMUR Sidoarjo Jl. Kab. Kec. 84 Semarang MEDAN Medan Jl. Tangerang Tangerang JAWA BARAT Karang Getas .113. Pare. Fax. 24–26 Lhokseumawe Tel. Bandung SEMARANG Semarang Jl. : (021) 7883 2849 : (021) 780 3979 : (021) 8243 0504 : (021) 8241 5030 Tel. Depok Jaya. : (0411) 330 850. 22 Kav. 31 Jakarta Selatan Pasar Rawa Lumbu Jl. Ruko Sarawati Blok C No. : (0251) 837 0017 : (0251) 837 0016 : (021) 731 4233 : (021) 731 6613 CABANG-CABANG SYARIAH / SYARIAH BRANCHES Head Office Gedung Victoria 2nd Floor Jl. Fax. 60 Jakarta Selatan SURABAYA Surabaya Jl. Pengasingan. Sudirman Kav. Tel. Tel. 8 Kel. Jatiwaringin. : (021) 864 1336 : (021) 8499 5375 Tel.6 Magelang 56124 YOGYAKARTA Pasar Bringharjo Jl. : (021) 726 8050 / 151 (hunting) : (021) 725 5557 : (021) 769 6585 : (021) 769 6632 Tel. Sidoarjo Kapas Krampung Jl. H. Fax. 67-69. Medan LAMPUNG Lampung Jl. 23 Kel. Kec. Pandanaran No. : (0411) 862 012 : (0411) 860 757 Tel. : (021) 5292 0901 : (021) 5292 0943 Tel. Sudirman A 4 . Kec. Fax. Kec. Fax. Karang Getas Blok D/8 Kel. : (0645) 40 573 : (0645) 43 942 Tel. Fax. Fax. Andir Bandung JAWA TENGAH Pasar Klewer Jl. Fax. Dr. : (022) 420 8714 : (022) 426 6032 Tel. : (061) 455 3344 : (061) 453 3522 Pasar Rejowinangun Jl. 75. 33. Fax. Fax. 318 718 : (0411) 334 333. Fax. : (021) 5520 665 : (021) 5530 239 Tel. Ciledug Tangerang Pasar Pondok Gede Komp. 10 Bandung 40262 Bandung Jl. 47-51 Jakarta 12160 Pondok Indah Jl. Metro Duta Niaga Pondok Indah Plaza I Blok II UA Kav. Raya Nusantara 189 B Kel.Alamat Kantor Bank CIMB Niaga Bank CIMB Niaga Directories DENPASAR Jl. Fax. Radjiman No. Sultan Hasanuddin Kav. Fax. Sultan Hasanuddin Kav. Gatot Subroto No. Kec. Kebon Jeruk. Sudimara Barat. Rawa Lumbu Bekasi Pancoran Mas Depok Jl. 199 Surabaya Pare . Tel. Fax. 39 Kel. Fax. Pancoran Mas Depok Merdeka Tangerang Jl. : (0231) 209 662 : (0231) 226 532 Tel. Kec. 79. : (031) 566 2900 : (031) 566 9377 Tel. Kediri Jawa Timur Tel. Fax. Fax. 22 Jl. : (021) 7720 5887 : (021) 7720 5817 Tel. Kapas Krampung No. Jend. Hasanudin No. Kec. Raya Darmo No. Fax. Bogor Pasar Ciledug Komp. Gatot Soebroto No.Cirebon Jl. : (031) 8053 048 : (031) 8053 047 : (031) 376 5503 : (031) 372 4413 : (031) 868 4337 Tel. 45-46. Fax. 233 212. Sukaramai No. Tel. 232 929 ext 181-183 : (0361) 263 510 CABANG-CABANG MIKRO LAJU JABOTABEK Pasar Kebon Kembang Blok A Lt. Kebonjati No. 90 E Lampung Teluk Betung MAKASSAR Makassar Jl. 53 Surabaya Tropodo Ruko Tropodo Dian Regency Jl. 167 A Kel. : (024) 884 9272 : (024) 884 9270 Tel. Fax. Mayor Suryotomo No. Dasa Darma Raya Blok II A Kav. 29. Yani No. Pondok Gede Bekasi Pasar Minggu Jl. Letjen Sutoyo No.

Introduction Key Message Planning & Strategy Financial Performance Business & Operations Report Corporate Governance Social Responsibility Shareholders’ Information Corporate Data Jombang Ruko Cempaka Mas. C3 Jakarta 12920 PT Kencana Internusa Artha Finance Gedung KITA FINANCE Jl. H. Kompleks Pertokoan Niaga Square Blok W Kel.R. Sentanan. Blok A-21 Jl. : (021) 521 2626 : (021) 521 2577 / 2588 Tel.Hatta Kel. : (0321) 877 717 : (0321) 877 720 Tel. Fax. Fax. Karyawan Baru. Kepuhkembeng. Fax. Kec. 6th Floor Jl. 16 Jakarta 12420 Tel. Magersari Mojokerto Tel. RS Fatmawati No. Soekarno . Kec. Peterongan Jombang Mojokerto Jl. : (0321) 381 907 : (0321) 382 214 ANAK PERUSAHAAN DAN AFILIASI SUBSIDIARIES AND AFFILIATED COMPANIES PT Saseka Gelora Finance Mega Plaza. : (021) 7590 8899 : (021) 7590 6875 Bank CIMB Niaga Annual Report 2009 339 . Rasuna Said Kav. Fax.

18. Sudirman Kav. Independent Public Accountants KAP Haryanto Sahari & Rekan PricewaterhouseCooper Building Jl. 5. Lain-lain: Laporan susunan Komite Audit Perseroan. Johar No. Sudirman Kav. 314 0032. Penunjukkan Akuntan Publik Perseroan untuk tahun buku 2010 dan penetapan honorarium serta persyaratan lain berkenaan dengan penunjukkan tersebut. (62 21) 390 0652. Jend. X-7 No. 6. 340 Bank CIMB Niaga Laporan Tahunan 2009 . and determination of its honorarium and other conditions related to the appointment. Jl. 58 Jakarta 12190.00 WIB Bertempat di The Financial Hall Graha Niaga. Rasuna Said Kav. Persetujuan atas Laporan Tahunan Perseroan dan pengesahan Laporan Keuangan Perseroan untuk tahun buku yang berakhir pada tanggal 31 Desember 2009. (62 21) 390 0652. Menteng Jakarta Pusat Tel. 314 0185 Rapat Umum Pemegang Saham Tahunan PT Bank CIMB Niaga Tbk Kamis. (62 21) 5290 5555. 314 0032. 25 March 2010 Starting at 14. Approval of the Company’s Annual Report and ratification of the Company’s consolidated Financial Statements for the year ended 31 December 2009. X-7 No. Akuntan Publik KAP Haryanto Sahari & Rekan Gedung PricewaterhouseCooper Jl. Penetapan penggunaan laba Perseroan untuk tahun buku yang berakhir pada tanggal 31 Desember 2009. 390 0645 Fax. 58 Jakarta 12190. 4. Rasuna Said Kav. and Sharia Supervisory Board of the Company.00 West Indonesia Time Located in the Financial Hall Graha Niaga. 6 Jakarta 12940 Tel. 6 Jakarta 12940 Tel.00 . Jend. Lantai 2 Jl. Penetapan besarnya gaji/ honorarium dan tunjangan lain bagi Dewan Komisaris dan Direksi Perseroan. 2nd Floor Jl. 5290 5050 Biro Administrasi Efek PT Sirca Datapro Perdana Wisma Sirca.Informasi Tambahan Additional Information Bursa Efek Saham PT Bank Niaga Tbk (kode BNGA) dicatat dan diperdagangkan pada Bursa Efek Indonesia (BEI). Pengangkatan Pengurus. The appointment of Management. Jl. Indonesia Agenda RUPS adalah sebagai berikut: 1. 4. Determination of salaries/honorarium and other allowances for the Board of Commissioners and the Directors of the Company. (62 21) 390 0652. 3. Johar No. Appointment of the Company’s Public Accountant for the 2010 financial year. Determination of the Company’s profit for the year ended 31 December 2009.16. 5.16. 390 0645 Fax. 3. (62 21) 521 2901 Fax.00 . 2. 7. 18. dan Dewan Pengawas Syariah Perseroan. Indonesia Agenda is as follows: 1. (62 21) 390 0652. Menteng Central Jakarta Tel. (62 21) 521 2901 Fax. Others: Report of Audit Committee Members of the Company. (62 21) 5290 5555. Stock Exchange The common stock of PT Bank Niaga Tbk (trading symbol BNGA) is listed on Indonesia Stock Exchange (IDX). 5290 5050 Share Registrar PT Sirca Datapro Perdana Wisma Sirca. 314 0185 Annual General Meeting of Shareholders PT Bank CIMB Niaga Tbk Thursday. 25 Maret 2010 Pukul 14. 2.

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