Introduction Key Message Planning & Strategy

Financial Performance Business & Operations Report Corporate Governance

Social Responsibility Shareholders’ Information Corporate Data

Data Perusahaan Corporate Data

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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.

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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.

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

AK. MM. Binhadi. Concurrently he serves as a member of the Risk Monitoring Committee and as an Independent Commissioner of PT Bank CIMB Niaga Tbk. Drs. Ali Ketua Ketua 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. CPA. Kanaka Puradiredja. Dr. 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. Bank CIMB Niaga Annual Report 2009 277 . Jusuf Halim. Ananda Barata.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. 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. Sukrisno Agoes. Joseph Dominic Silva Zulkifli M. Ananda Barata Anggota Anggota Komite Audit PT Bank CIMB Niaga Tbk sejak 1 November 2008. serta merangkap sebagai Komisaris dan anggota Komite Nominasi dan Remunerasi PT Bank CIMB Niaga Tbk. 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. Chairman Chairman of Audit Committee of PT Bank CIMB Niaga Tbk since 1 November 2008. Zulkifli M. Drs.

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

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

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

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

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

Yogyakarta. 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. Member of Nomination and Remuneration Committee PT Bank CIMB Niaga Tbk since January 2009. serta gelar Sarjana di bidang Psikologi dari Universitas Gajah Mada. June 2000 . Bank CIMB Niaga Annual Report 2009 283 . Member Indonesian citizen. Previously served as Director. age 43. He also serves as Head of the Human Resources Development PT Bank CIMB Niaga Tbk. June 2008 . and a Bachelor degree in Psychology from Gajah Mada University. Commerce Leadership Institute. Beliau meraih gelar Magister Management (MM) di bidang Bisnis Internasional dari IPMI/Monash University. Kuala Lumpur. Kuala LumpurJuni 2008 . Member Member of Nomination and Remuneration Committee PT Bank CIMB Niaga Tbk since 1 January 2009. He also served as HR Group Head of PT Bank CIMB Niaga Tbk (former PT Bank Niaga Tbk).Januari 2009. Menjabat sebagai Anggota Komite Nominasi dan Remunerasi sejak Januari 2009. CIMB Group. Group HR. Awaldi Anggota Warga Negara Indonesia. He holds a Magister Management (MM) degree in International Business from IPMI/Monash University. Sebelumnya adalah Director. Yogyakarta. 43 tahun. Group HR.May 2008. CIMB Group.January 2009. Pernah menjabat sebagai HR Group Head PT Bank CIMB Niaga Tbk (dahulu PT Bank Niaga Tbk) sejak Juni 2000 sampai . also serves as a member of the Audit Committee and is a Commissioner. Saat ini beliau juga menjabat sebagai Head of Human Resources Development PT Bank CIMB Niaga Tbk. 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.Mei 2008.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.

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

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

Vice President Director of PT Bank CIMB Niaga Tbk since August 2009. Providing appropriate direction and strategy for the development and innovation of competitive products and services in line with demand and technology advancements. concurrently serves as Corporate Banking Dircetor. Previously she served as Corporate and Business Director. Mengkoordinasikan direktorat Finance and Strategy dalam pelaksanaan implementasi budget strategy and planning. 45 tahun. 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. merangkap sebagai Direktur Corporate Banking. Sebelumnya beliau menjabat Direktur Korporasi dan Bisnis. Wakil Presiden Direktur PT Bank CIMB Niaga Tbk sejak Agustus 2009.Profile Direksi Profile of the Directors Catherinawati Hadiman Wakil President Direktur Warga Negara Indonesia. Beliau juga pernah bekerja sebagai auditor di KPMG Hanadi Sudjendro. she was an auditor with KPMG Hanadi Sujendro. dan pernah menduduki posisi senior antara lain menjabat sebagai Head of Corporate Banking. Bertanggung jawab atas target funding maupun lending serta pengembangan cross selling dalam segmen korporasi dan bisnis. Responsible for achieving funding and lending target as well as cross selling development in corporate and business segments. age 45. Director of PT Niaga Management Company and Niaga Finance Company Hong Kong. Business Banking & Small Micro Enterprises. Mengikuti Harvard Business School Executive Program dan meraih sertifikasi BSMR pada tahun 2006. 286 Bank CIMB Niaga Laporan Tahunan 2009 . 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. and held various senior positions such as Head of Corporate Banking. In the past. Treasury Management Group Head. Attending Harvard Business School Executive Program and fully certified by BSMR (Indonesia Management Risk Certification Body) in 2006. Treasury Management Group Head. Beliau meraih gelar sarjana di bidang Administrasi Niaga dari Universitas Atma Jaya dan Sarjana Akuntansi dari Universitas Trisakti Vice President Director Indonesian citizen. 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.

He also worked as an Auditor for the Northern Trust Company. 20042009. UK. 1995-1998. Managing corporate risk. 1995-1998. Melakukan pengawasan dan perencanaan manajemen keuangan yang efektif serta memastikan adanya praktik akuntansi sesuai dengan standar yang berlaku. dan Auditor di PricewaterhouseCoopers. Beliau lulus dari Institute of Chartered Accountants in England and Wales. 2002-2004. Kuala Lumpur. 20022004. He graduated from the Institute of Chartered Accountants in England and Wales. Kuala Lumpur. Direktur Strategi dan Keuangan PT Bank CIMB Niaga Tbk sejak Juli 2009. Direktur Synergy Drive Berhad. Strategy and Finance Director of PT Bank CIMB Niaga Tbk since July 2009. serta meraih gelar di bidang Hukum dan Akuntansi dari University of Manchester. 20062007. Providing funding and investment strategies to optimize ROA and ROE. Kuala Lumpur. London. Bank CIMB Niaga Annual Report 2009 287 . and holds a degrees in Law and Accounting from University of Manchester. Tugas Utama: Mengembangkan dan mengelola sistem manajemen dan informasi kinerja perusahaan. age 38. 1999-2002. 2004-2009. Executing and monitoring effective financial management. Sebelumnya beliau menjabat Direktur CIMB Investment Bank Berhad. 19992002. Kuala Lumpur. ensuring sufficient and dependable risk management policies for business units are compliant with prudential banking approach in doing business. Director Malaysian citizen. and Head of Strategic Business Development in Maybank Investment Bank. and ensuring liable and standard accounting practices. London. Menyusun strategi pendanaan dan investasi untuk mengoptimalkan ROA dan ROE. Director of Synergy Drive Berhad. 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. and Auditor in PricewaterhouseCoopers. UK. dan Head of Strategic Business Development di Maybank Investment Bank. Kuala Lumpur. Beliau juga pernah bekerja sebagai Auditor di Northern Trust Company. London. London. 2006-2007. 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.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. 38 tahun. Kuala Lumpur. Previously he served as Director of CIMB Investment Bank Berhad. To lead the Corporate Planning unit in providing strategy and initiative in order to achieve the Company’s vision.

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

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

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

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

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

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

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

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. Adji Wibowo 295 .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. 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. CORPORATE AFFAIRS & LEGAL DIRECTOR L. Hasjim BUSINESS BANKING DIRECTOR Handoyo Soebali TREASURY & CAPITAL MARKET DIRECTOR M. CORPORATE BANKING DIRECTOR Catherine Hadiman* RETAIL BANKING DIRECTOR Suhaimin Djohan CREDIT & RISK MANAGEMENT DIRECTOR D. James Rompas* OPERATION & IT DIRECTOR Paul S. Fadzil HUMAN RESOURCES DIRECTOR Rita Mas’Oen COMPLIANCE.

System Audit Treasury & Capital Market Rita Mas’Oen L. 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. Lubis TCB & TALENT MANAGEMENT Jose Ginting* LEARNING OPERATION C. Inak (Coordinator) .. James Rompas Zakaria A. Inggarsari LEARNING POLICIES & EVALUATION Lila A. FX. & Inf. SECRETARY Harsya Denny Suryo* CORPORATE CLIENT SOLUTION I Ridwan S. 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. 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. Poluan INDUSTRIAL & EMPLOYEE RELATIONS R.* Human Resources Compliance.* 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. Sutji K. AFFAIRS/ CORP.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. Rahman Bank CIMB Niaga Laporan Tahunan 2009 Vice President Director Catherine Hadiman Audit Methodology & Support Vice President Director Akhmad Kusaeri Opr. Wulan Tumbelaka Mohamed Fadzil S. Corporate Affairs & Legal Corporate Client Solution Arwin Rasyid* SALES & RISK ANALYTICS Mohamed Fadzil S. 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. Audit Suhardianto D. Jahja TRANSACTION BANKING W. 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.

SALES & PRODUCT DEV. Hufat CARD. POLICY PROCEDURE Rahardjo S. 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.d. NATIONAL OPR.L. Suherman Lesmana REGIONAL OPR. NATIONAL OPR. SUPPORT I Yoga Sadana KITAF ASSET DISPOSAL Benny Aryasetiawan INTGR. Unggul INFORMATION TECHNOLOGY TBA NATIONAL OPERATIONS Migi Trisnadi STRATEGIC & CENTRALIZED OPERATIONS Bambang Ratmanto CL SPECIALIST & SALES SUPPORT Daria F. JABODETABEK Fran Seda BANKWIDE PROCESSING CTR Pierre Hewarlela Introduction Key Message Planning & Strategy CONS. WEST Agus Pasaribu CREDIT PROCESSING CTR Paulus M. 31 Desember 2010 / temporary posting until 31 December 2010 297 . Rawung CARD BUSINESS DEV.Struktur Organisasi Organization Structure Effective per 1 February 2010 Arwin Rasyid President Director D. LIABILITY & SEGMENT Merci Santi Adriani* OPERATIONS. James Rompas* Vice President Director Suhaimin Djohan D. MERCHANT & E-CHANNEL BUSINESS Budiman Poedjirahardjo RISK MANAGEMENT Sasi Komanthakkai* ASSET RESTRUCTURING & RECOVERY Mahendra Wardhana* CREDIT & OPR. LIABILITY BUSINESS Merci Santi Adriani* CREDIT REVIEW Damianus l. MGT. 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. Welianto Halim REGIONAL OPR. Julianto MERCHANT BUSINESS DEV. Hasjim CONS. Simanjuntak AUTOMOTIVE BUSINESS-INDIRECT Sonny Sonjaya (Coordinator) ENTERPRISE RISK MANAGEMENT TBA BUSINESS LOAN WORKOUT III Arief Danardono SYSTEM OPERATION & ASSURANCE Suhendi Muharam REGIONAL OPR. 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. BANK QUALITY ASSURANCE Kristiana Hardiyati INTGR. JATENG Ade Chairullah OPERATIONS INTEGRATION Yuri Yudistira NATIONAL SALES Ayu C. Parwoto IT SYSTEM DEVELOPMENT Andreas Tedja IT DELIVERY & SERVICES Sigit Arnanto REGIONAL OPR. CREDIT POLICY & PROCEDURE Aki H. DEV Suharto Suleh MARKET RISK MANAGEMENT Sasi Komanthakkai* CORPORATE CREDIT REVIEW Retno Hestiati OPERATIONAL RISK MANAGEMENT Junita S. Cahyo Nugroho** RETAIL & SME CREDIT POLICY & PROCEDURE Adi Prasetyo (Coordinator) CORPORATE & HIGH END LOAN WORKOUT Mahendra Wardhana* COMM. Bambang Karsono Adi INTERNET & MOBILE BANKING . Sudradjat BANCASSURANCE BUSINESS Merci Santi Adriani* BUSINESS LOAN WORKOUT II Ridwan W. Tobing BUSINESS LOAN WORKOUT I FB. James Rompas* Retail Banking Credit & Risk Management Operations & IT Paul S. COLLECTION & RISK CONTROL Boedhijanto ATM . Rasoebala BUSS BKG AND S&D CREDIT REVIEW WEST REGION WEST Benyamin M.SALES & PROD.

Mariadi Aryolaksmono CORP. & 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. 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 . Sahrun (Coordinator) JAKARTA 1 MORTGAGE SALES AREA Indrani P. Pudjiono Santoso SMALL & MEDIUM ENTERPRISE Sih Dianto (Coordinator) SERVICE QUALITY & NETWORK DEV. Julia (Coordinator) JAKARTA I & LAMPUNG SME AREA Hilman Basuki BUSINESS DEV. Shanti JATIM AREA Arief Wicaksono PRIVATE BANKING Nyta S. 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. PRIVATE & WEALTH MGT. TBA BRANCH NETWORK DEVELOPMENT Kusmanto JATENG & JATIMMORTGAGE SALES AREA Ekowati Setyambodo JAKARTA WEST AREA Hanny Librata JATENG AREA Trisno A. TBA** SYARIAH BANKING U. & INVESTMENT BANKING PRODUCT MGT. BANKING PRODUCT MGT. Syaefudin Noer FUNDING BANCASSURANCE & SERVICE I Ferdy Sutrisno FUNDING BANCASSURANCE & SERVICE II Diah Paramaiswari FUNDING BANCASSURANCE & SERVICE III M. James Rompas* Vice President Director Sales Distribution & Syariah Ferdy Sutrisno* CONSUMER LENDING Laksmi Mustikaningrat PREFERRED.298 Struktur Organisasi Organization Structure Effective per 1 February 2010 Arwin Rasyid President Director Bank CIMB Niaga Laporan Tahunan 2009 D.

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. DEV. Edyson Makmur CORPORATE BANKING II M. Noer Qomari JABAR HIGH END Koerniawan Prijambodo INDTIM HIGH END Priyono BUSINESS STRATEGIC & PERFORMANCE MGT. JATIM. PLANNING & STRATEGY Azri Zaharuddin LOCAL CORPORATE IV Maju P. Djajanegara* GLOBAL CORPORATE INDONESIA Indra Y. Taufik Budiman MICRO FINANCE EAST Anang S. Nangtjik Financial Performance Business & Operations Report Corporate Governance CORP. Sitohang JAKARTA FUNDING Catrin Susanti PERSONAL LOAN BUSINESS TBA Bank CIMB Niaga Annual Report 2009 STATE OWNED & INFRASTRUCTURE Resti Pramestuti RISK. Djajanegara* JATENG HIGH END C. & 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.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. Moeis* CENTRAL PROCRMT & PROPERTY SERV. COST MGT. Koeswidyantoro SPECIAL LENDING & MICRO FINANCE Firman A. Ninik Martini LENDING PRODUCT SPECIALIST II Tito Sudarto SPECIAL LENDING EAST A. OPERATIONS & DEVELOPMENT TBA CORP. Mantiri FINANCIAL INSTITUTION & CORPORATE SYNDICATION Rizki P. & FINANCIAL REPORTING TBA CREDIT ANALYSIS Asikin Tijang SETTLEMENT BANK SERVICES Erwina Wigneswara LOCAL CORPORATE II Pandji P. Hasan HIGH END JATENG. Moeis FINANCE & ACCOUNTING Deddy E. BANKING BUSS.P. Epidaryanto LENDING PRODUCT SPECIALIST I Taufik Budiman* SPECIAL LENDING WEST Rakhmad Nur Indra Introduction Key Message Planning & Strategy BUDGET. Utomo SUMATERA HIGH END R. 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. SUMATERA & INDTIM Ign. Hadi Sudarso (Coordinator) Social Responsibility Shareholders’ Information Corporate Data * Jabat Rangkap / Concurrent Posting 299 . Saptono Suryo MIS.

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

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

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

and Myanmar. Bahrain. dan menjadikan CIMB Group investment banking yang terbesar. Vietnam. and the region’s largest indigenous investment banking franchise. syariah banking. via CIMB Group Holdings Berhad (sebelumnya dikenal sebagai BumiputraCommerce Holdings Bhd). Bahrain. dan mayoritas tunggal di CIMB Thai di Thailand. Singapore and Thailand. and the single largest shareholder of CIMB Thai in Thailand.3 billion. Singapore.000 employees in Malaysia. Headquartered in Kuala Lumpur.000 karyawan yang tersebar di Malaysia. Bank CIMB Niaga Annual Report 2009 303 . asset management and insurance products and services to more than 10 million customers. Islamic banking. CIMB Group is the majority shareholder of Bank CIMB Niaga in Indonesia.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. CIMB Group juga memiliki kantor di New York. Hong Kong. Sejak tanggal 31 Desember 2009. CIMB Group merupakan jaringan retail bank dengan network yang tersebar luas di Asia Tenggara dengan cabang lebih dari 1. CIMB Group adalah pemegang saham mayoritas Bank CIMB Niaga di Indonesia. asset management. Shanghai.3 miliar. Shanghai. CIMB Group tercatat sebagai perusahaan terbesar ke-3 di Bursa Malaysia dengan kapitalisasi pasar sebesar RM 45. CIMB Group has Southeast Asia’s largest retail bank network with more than 1.110 branches. dan Myanmar. Indonesia. CIMB Group has over 36. CIMB Group is listed on the Main Board of Bursa Malaysia via CIMB Group Holdings Berhad (formerly known as BumiputraCommerce Holdings Bhd). As at 31 December 2009. Hong Kong. London. the Group was ranked the 3rd largest company on Bursa Malaysia with a market capitalisation of RM45. Dengan berkantor pusat di Kuala Lumpur. CIMB Group also has offices in New York. London. investment banking. and offers consumer banking. CIMB Group memiliki lebih dari 36.110 brances. Profile of CIMB Group CIMB Group is a leading Southeast Asian universal banking group with total assets of over USD70 billion. CIMB Group terdaftar dalam Main Board Bursa Malaysia. Brunei. investment banking. Indonesia. Brunei. Vietnam. sertra produk dan layanan asuransi kepada lebih dari 10 juta nasabah. dan Thailand dan menawarkan konsumen banking.

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

667 29.788 6.066 127.266.559.131.544.550 100.190 5.921.286 6.243 4.518 948.794 8.404 239.831 142.701 1.494.736.582 565.924 5.423.895 212.218.759 178.266 7.408.382.999 2008 RM’000 24.383.154.302 11.430 5.694.239 11.653 1.374 4.603.051 3.724 1.711 3.213 11.337.168.882.000.757 487.004.796 293.278.619 161.307 82.983.274.166 Bank CIMB Niaga Annual Report 2009 305 .483 260.090.873 2. 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 28.519 1.221.280 3.801 117.416 843.653.284 62.349 279.708 110.105.886 120.667.344.498.285 146.220 993.536 14.333.008.608.756 2.565 335.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.062 388.818 24.336 188.587 4.055 14.595 380.836 5.784 239.452 207.670 207.218.890.087 217.063.612 443.285 217.097 3.723.311.689.443.706 14.303 13.999.687 4. advances and financing Other assets Deferred tax assets Tax recoverable Statutory deposits with central banks Investment in associates Investment in jointly controlled entities Property.204.210 13.345 786.248.924 7.738 884.492.336 10.276 10.175 256.710 3.342.247 428.074 4.591.499 188.337.

714 239.203 200.014 200.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.345.593 207.017 (74.678.766 16.390 18.101.443 3.700 22.090.000 1.983.646.76 4. at cost Perpetual preference shares Minority interests Total equity Total equity and liabilities Commitments and contingencies 2008 RM’000 3.812.85 306 Bank CIMB Niaga Laporan Tahunan 2009 .000 2.513.892.190) (461.078 14.811 (563) 20.578.099.842 Net assets per share attributable to ordinary equity holders of the Company (RM) 5.999 322.531.759 321.702) 17.057.813.

806.659 (703.635) 4.523 (5.546 Earnings per share attributable to ordinary equity holders of the Company (sen) .757.126 7.067 2008 RM’000 9.888 (1.012.999 3.508 2.Basic .929.121.618.275 3.068.768) (708) 29.557 10.590.423 (4.660.740.642.569) (18.546 Interest income Interest expense Net interest income Income from Islamic banking operations Non-interest income Overheads Profit before allowances Allowance for losses on loans.5 79.717.Company and subsidiaries Zakat Net profit after taxation and zakat Attributable to: Equity holders of the Company Minority interests 2.847 7.012.951.067 1.715.596 437.906 807.715) (94.483 2.5 57.Fully diluted Dividends per ordinary shares of 20.539.047.7 sen less income tax of 25% and tax exempt dividend of 4.111) (2) 2.470.8 57.3 sen (2008: 20.877 (757.8 Bank CIMB Niaga Annual Report 2009 307 .120) 3.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 10.805) 3.777.811.8 19.827) 4.790 2.253 (45.816 240.3 sen) 79.793.060 3.755 26.779) 3. 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 .770 (4.864) 6.707 (794.952.7 sen less income tax of 25% and tax exempt dividend of 4.605) (56.251 3.512 (4.669.022.038 60.8 19.047.593) 2.690) (7.088) (76.

providing convenience for daily business transaction. interesting interest rates and Automatic Roll-Over facility and free life insurance. serta dilengkapi dengan asuransi jiwa gratis. dimulai dari kemudahan tarik tunai dan transfer dana di seluruh jaringan ATM Bersama. Tabungan Junior Tabungan bagi individu dalam mata uang Rupiah yang dikhususkan bagi anak-anak dengan keunggulan dapat dimiliki atas namanya sendiri. penarikan tunai di seluruh dunia melalui jaringan VISA Plus. to convenient transactions without being time-confined or limited space through the CIMB Niaga e-banking facilities. Tabungan Mapan X-Tra Tabungan berjangka bagi individu dalam mata uang Rupiah dengan hasil investasi yang menarik. yang memberikan kenyamanan dan kemudahan dalam melakukan transaksi bisnis. Tabungan Pendidikan Tabungan berjangka bagi individu dalam mata uang Rupiah dan Dollar AS dengan hasil investasi yang menarik. Giro (Rupiah/Valas) Rekening Koran bagi nasabah individu maupun perusahaan dalam berbagai pilihan mata uang. Business Savings Third-party deposits at the Bank in Rupiah currency that can be withdrawn any time using the required instrument. serta berbelanja di berbagai tempat berlogo VISA & MASTER. hingga kenyamanan transaksi tanpa batas waktu dan ruang melalui fasilitas CIMB Niaga e-Banking. dilengkapi dengan Kartu Debit Junior untuk kemudahan penarikan tunai di ATM.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. Time Deposit Time deposit for individual customers or corporate with various currency and time frame options. dilengkapi fasilitas perpanjangan otomatis (Automatic Roll Over) dan asuransi jiwa gratis. worldwide cash withdrawal through Visa Plus network. with special facility enabling them to register under their own name. Deposito Simpanan berjangka bagi nasabah individu maupun perusahan dalan berbagai pilihan mata uang dan jangka waktu. complete with Junior Debit for easy withdrawal at any ATM or shopping at any merchant displaying the VISA & MASTER logo. dengan suku bunga yang menarik. 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. Demand Deposits (Rupiah/Forex) Current account for individual or corporate customers in Rupiah or other foreign currencies. 308 Bank CIMB Niaga Laporan Tahunan 2009 . berbelanja dengan Kartu Debit CIMB Niaga. Junior Savings Individual savings in Rupiah intended for children. 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. shopping with CIMB Niaga Debit Card. provided with free life insurance. 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. serta dilengkapi dengan asuransi jiwa gratis. 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. 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. and applicable for Corporate/Business as well as Individual customers. SAVINGS PRODUCT Tabungan X-Tra Individual Savings in Rupiah with complete facilities and various extra benefits bring convenience to life. starting from easy cash withdrawal and fund transfer within the entire “ATM Bersama” network. provided with free life insurance.

and Visa Plus ATM Network worldwide. ponsel. overbooking. internet. FASILITAS AKSES ELEKTRONIK Kartu Debit Kartu Debit CIMB Niaga untuk kemudahan dan keleluasaan berbelanja di berbagai tempat berlogo VISA di seluruh dunia. ATM Bersama dan MEPS serta jaringan ATM VISA Plus di seluruh dunia. and convenience banking transactions through CIMB Niaga Electronik Access (Call Center 14041. ATM Real-time online 24 hour electronic banking services.000 jaringan ATM CIMB Niaga. cash withdrawal at more than 10. credit card information. internet. mulai dari tarik setor bank notes yang menguntungkan. spread around various strategic places in Indonesia with more than hundreds of CIMB Niaga ATM. ATM Layanan perbankan elektronik 24-jam real-time online untuk melakukan penarikan tunai yang tersebar di berbagai lokasi strategis di seluruh Indonesia. bill payments (telephone. ribuan ATM Bersama dan ATM Visa Plus di seluruh dunia. mobile phone. TV kabel/satelit). dengan dukungan lebih dari ratusan ATM CIMB Niaga. including CINTA points redemption. Mobile Banking. either from their savings or CIMB Niaga Credit Card. informasi Kartu Kredit. credit card. as well as real-time online fund transfer within members of ATM Bersama.time online. credit card. over-booking. mobile phone. top up prepaid mobile phone. kartu kredit. with only a local connection charge for “anywhere and anytime” convenient non-cash transactions such as balance information. 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. tarif spesial untuk keperluan pengiriman uang bagi pelajar yang menjalani pendidikan di Australia dan Malaysia dengan CIMB Niaga Student Transfer. Customers can freely select the source of fund for their transaction. informasi tolakan kliring. loans. nasabah secara fleksibel dapat memilih sumber dana untuk bertransaksi. layanan transfer antar bank anggota ATM Bersama secara real. 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. layanan transfer ke seluruh dunia yang cepat dan nyaman. Call Center 14041 Integrated real-time online banking services through telephone and mobile phone with a single access number 14041. TV kabel/satelit). cable TV/satellite). utility. hingga penukaran poin CINTA. baik dari tabungan ataupun dari Kartu Kredit CIMB Niaga yang dimiliki. special rates for money transfer to students studying in Australia and Malaysia with CIMB Niaga Student Transfer. ATM. Saat ini. 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. statement print-out. 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. utility. loans. rapid and convenient money transfer anywhere in the world. information on clearing rejection. starting from the advantageous easy withdrawal and deposit of bank notes. serta kenyamanan melakukan berbagai macam transaksi di Akses Elektronik CIMB Niaga (Call Center 14041. pinjaman. top up prepaid mobile phone including CINTA points redemption. pemindahbukuan. Bank CIMB Niaga Annual Report 2009 309 .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. cetak statement. thousands of ATM Bersama. ponsel. pembelian pulsa ponsel hingga penukaran poin CINTA. pembelian pulsa ponsel. cek 5 transaksi terakhir. last 10 transactions. pemindahbukuan. transfer to other banks. pinjaman. listrik. kartu kredit.000 CIMB Niaga ATMs. penarikan tunai di lebih dari 10. cable TV/satellite). internet. and SST). Dollar Savings Individual savings in US Dollar and Singapore Dollar with easy access and interesting facilities. pembayaran tagihan (telepon. cek 10 transaksi terakhir. pembayaran tagihan (telepon. ATM. ATM Bersama and the ATM VISA Plus worldwide network. last 5 transactions. internet. dan SST). transfer to other banks. bill payments (telephone.

last 10 transactions. and SST). 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. cek transaksi 1 bulan terakhir. TV kabel/satelit). top up prepaid mobile phone.cimbniaga. various and extensive bill payments (telephone. TV kabel/satelit). This is the right solution for company with heavy regular transaction volumes. pembayaran tiket pesawat hingga penukaran poin CINTA. pembayaran tagihan (telepon. pinjaman. internet. fund transfer (IDR & USD). the same concept is applicable whereby certain amounts will be debited from main account and credited into many accounts within the group. ATM. electricity. e-Chain e-Chain adalah solusi otomatis berbasis web/internet yang memberikan kemudahan dalam menagani bisnis rantai pengadaan (supply chain). BizChannel Fasilitas internet banking berbasis web untuk pengelolaan keuangan bisnis dengan akses real-time online. utility. loans. Consolidated Account Balance Simple solution to monitor consolidated cash flow from many accounts on regular basis. mobile phone. supported by professional service and sophisticated security features. internet. pembelian isi ulang pulsa hingga pembayaran tiket pesawat melalui Akses Elektronik CIMB Niaga (Call Center 14041. kartu kredit. ATM. Internet Banking 24 hours real-time online electronic banking services on the internet that is accessible by clicking www. cek 10 transaksi terakhir. cable TV/satellite). e-Chain dapat dipergunakan bila terdapat 2 pihak yang bekerja sama (principal/penjual dan distributor/pembeli). Internet Banking. Mobile Banking. ponsel. hingga penukaran poin CINTA. Sangat tepat digunakan bagi dunia usaha dengan aktivitas perbankan yang tinggi. top up prepaid mobile phone and airplane ticket payment through CIMB Niaga Electronic Access (Call Center 14041. transfer to other banks. e. 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. Berbagai macam transaksi perbankan menjadi begitu mudah dilakukan dengan dukungan pelayanan dan perlindungan fitur keamanan yang prima. transfer ke bank lain (IDR & USD). In a reverse way. 310 Bank CIMB Niaga Laporan Tahunan 2009 . which has capability in handling supply chain transaction at ease. CIMB Niaga Quick Pay Merupakan layanan praktis untuk berbagai macam pembayaran tagihan. pembelian pulsa ponsel. 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. dan SST). e-Chain e-Chain is an automated web/internet solution. pemindahbukuan. internet.cimbniaga. Hal sebaliknya dapat juga dilakukan dimana rekening utama memberikan saldo awal dalam jumlah tertentu ke rekeningrekening lainnya dalam grup yang sama. 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. transfer ke bank lain. bill payments (telephone. including exchanging CINTA points. kartu kredit. mobile phone. credit card. internet.com untuk melakukan transaksi non-tunai seperti cek saldo. pembayaran tagihan (telepon. principal/seller and distributor/buyer. CIMB Niaga Quick Pay A simple service for any kind of bill payments. Konsolidasi Saldo Rekening Solusi praktis untuk mengetahui posisi cash flow yang terkonsolidasi dari beberapa rekening secara berkala. 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. ponsel. Internet Banking. listrik. pembelian pulsa ponsel.com for non cash transactions such as balance information. last 1 month transactions. 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. loans. credit card. cable TV/satellite) and purchasing as well as CINTA point’s redemption. pemindahbukuan. pembayaran tiket pesawat. pinjaman. e-Chain is applicable when there are at least two parties involved in the transaction. airplane ticket payment.g.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. cepat dan aman. over-booking. Ponsel Banking.

Cash & Cheque Pick . electronic access (Akses Elektronik). dan Investor Account. • Agen Escrow: Jasa pengelolaan rekening escrow atas nama para pihak yang berkepentingan berdasarkan perjanjian yang disepakati. • Escrow Agent: to maintain and operate an escrow on behalf of the related parties with reference to the signed agreement. akses elektronik. Forex Lines. 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). CORPORATE BANKING Trustee & Agent Provide trustee and agency services in capital market. serta dividen saham. • Agen Jaminan: Memberikan jasa pengadministrasian dokumen jaminan dan.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. Bank Garansi. Working Capital Loans. Virtual Account Layanan terkini yang menawarkan kemudahan kepada nasabah dalam proses identifikasi penerimaan dana dari berbagai sumber baik melalui transfer. • Monitoring Agent: to represent and act on behalf of the investors. apabila perlu. e-Banking. • Security Agent: to maintain. 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. Receiving Bank saat IPO. • Agen Pembayaran: Memberikan jasa pembayaran atas pokok dan bunga surat hutang. cash or cheque. antara lain: • Wali Amanat: Mewakili kepentingan pemegang obligasi (investor) baik konvensional maupun syariah yang terdaftar di Bursa Efek Indonesia (BEI). antara lain intraday. Forex Lines. Pinjaman Modal Kerja. Tax Payment.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. Receiving Bank at the IPO. and Investor Account. Bank Guarantee. BUSINESS. Payment Bank Layanan bagi pelaku pasar modal berupa pengelolaan pembayaran transaksi pasar modal anggota Bursa. Cash & Cheque Pick . for both unlisted conventional and syariah debt instruments (private placement). • Agen Pemantau: Bertindak dan mewakili kepentingan pemegang surat hutang (investor) baik konvensional maupun syariah yang tidak terdaftar di Bursa Efek Indonesia (private placement). 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. Fax Statement Facsimile service for sending current account statement. • Paying Bank: to perform the payment for the principal and interest of debt instruments and dividend. Virtual Account. Payment Bank A solution for members of capital market by managing transaction payment for member of the Bourse (IDX). including balance / transaction information. Virtual Account. at anytime with Call Center 14041. amongst others intraday. Bank CIMB Niaga Annual Report 2009 311 . TREASURY. TRESURI DAN KORPORASI Wali Amanat & Keagenan Menyediakan jasa lembaga penunjang pasar modal. PERBANKAN BISNIS. Tax Payment.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. melakukan eksekusi dan distribusi hasil penjualan jaminan sesuai perjanijian. e-banking. 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. tunai maupun cheque. Virtual Account Reconciliation solution for businesses to identify incoming payment received from various source of payments such as transfer.

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

Sight and Usance Letter of Credit Issuance Definite undertaking of the issuing bank to honor a complying presentation of documents for import goods. Shipping Guarantee Jaminan yang diterbitkan oleh Bank untuk membantu importir agar dapat mengeluarkan baran impor dari perusahaan pelayaran sebelum dokumen transpor diterima oleh importir. Counter Guarantee Bank Guarantee issued as security collateral to issue another bank guarantee. Advance Payment Bond Bank Guarantee issued to guarantee advance payment of a contract or project received by a customer. 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. Payment Bond Bank Guarantee issued to guarantee payment by a customer to a third party. 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 Jaminan pembayaran untuk berbagai kewajiban transaksi bisnis yang dimiliki nasabah. 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. Factoring Purchasing or taking over of a company’s short term Account Receivables from business transaction. Bank CIMB Niaga Annual Report 2009 313 . 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.Sight dan Usance Jaminan pembayaran bank pembuka L/C atas penyerahan dokumen-dokumen yang sesuai dengan persyaratan L/C untuk transaksi impor barang. Counter Guarantee Jaminan bank yang diterbitkan dalam rangka penjaminan penerbitan bank garansi lainnya. Bapeksta Bond Bank Guarantee issued to defer import tax payment of imported raw materials for export purpose. Penerbitan Letter of Credit . 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. Custom Bond Bank Guarantee issued to defer import tax payment of imported goods. Advance Payment Bond Jaminan bank yang diterbitkan dalam rangka menjamin uang muka atas suatu kontrak/proyek yang diterima oleh nasabah.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. Payment Bond Jaminan bank yang diterbitkan dalam rangka menjamin pembayaran nasabah kepada pihak lain. Tender or Bid Bond Bank guarantee issued to meet tender/bidding requirements. Bapeksta Bond Jaminan bank yang diterbitkan dalam rangka penangguhan pembayaran pajak-pajak impor barang untuk tujuan ekspor. 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.

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

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

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

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

Jenis tagihan rutin yang tersedia adaah pembayaran tagihan telepon. feasibility studies including assets valuation.Produk dan Layanan Products and Services Laporan Terpadu Layanan yang mengintegrasikan pengelolaan semua rekening nasabah di CIMB Niaga seperti Giro Rupiah/Valas. cost-effective solutions to complex problems related tax. Preferred Collection Services Layanan penagihan warkat-warkat Dollar AS yang tertarik di Amerika Serikat secara aman. Advisori Korporasi Layanan jasa penasihat keuangan memfokuskan layanannya untuk perusahaan terbuka yang tercatat di Bursa Efek Indonesia (BEI). 318 Bank CIMB Niaga Laporan Tahunan 2009 . accounting or regulatory issues which are used by clients to achieve their many financial objectives. Pembayaran Tagihan Rutin Dapat dilakukan melalui kantor cabang CIMB Niaga maupun fasilitas layanan Akses Elektronik. mengatur risiko pinjaman dan/atau. Pajak Impor Barang dan lainnya. guaranteed. Simpanan Dollar. Corporate Advisory Corporate and project advisory focuses on advising and assisting public companies in the Indonesian Stock Exchange (IDX). The team work closely with tax consultants. Pembayaran dapat dilakukan secara manual melalui kantor cabang maupun secara online melalui fasilitas internet banking. which can be done through CIMB Niaga branches or electronic access (Akses Elektronik). serta otoritas keuangan terkait dan memberi pertimbangan dalam pembiayaan dari transaksi pendanaan dimaksud. including yield enhancement. partner search. Tax Payment Include various tax payment such as PPh 21/23/25/26. and Education Savings. dan Tabungan Pendidikan. Payment can be made manually through branches or through internet banking facility. internet etc. Pembayaran Pajak Tersedia berbagai jenis pembayaran pajak termasuk PPh 21/23/25/26. tim struktur keuangan akan bekerjasama dengan pihak lain seperti konsultan pajak. electricity. Kami menyediakan layanan yang memiliki nilai tambah dengan perkembangan yang inovatif. cukai. pembukuan atau peraturan yang digunakan oleh nasabah untuk mencapai sasaran keuangan mereka. internet dan lain-lain. dimana layanan yang kami tawarkan adalah menyediakan strategi terbaik untuk pertumbuhan perusahaan termasuk model dan analisis keuangan. communication or assistance in deal negotiations with other advisors and stakeholders. import tax. 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. large privately owned companies and investors whilst providing best corporate growth strategies including financial modeling and analysis. Combined Statement A comprehensive banking service that integrates the management of all accounts in CIMB Niaga such as Bilyet Giro Rupiah/Forex. Demand Deposits Rupiah/Forex. customs. debt restructuring. solicitors and accountants or other related authorities and collaborate with clients’ own consultants to achieve the optimum outcome. solusi biaya yang efektif untuk masalah-masalah kompleks yang terkait dengan pajak. membantu klien dalam melakukan negosiasi dengan penasihat dan pemegang saham lainnya. Deposito Rupiah/Valas. Preferred Collection Services Secure. fast and affordable US Dollar collection services for USD bank drafts/cheques drawn in the United States of America. studi kelayakanyang mencakup penilaian asset. cepat dan murah. Dollar Savings. The key focus is on offering clients tailor-made solutions that suit their objectives in the most complete and efficient way. bergaransi. PPn. termasuk peningkatan imbal hasil. financial authorities and advice on the funding of the transaction. We provide value-added services by developing innovative. etc. Bills payment Include various routine payments such as telephone. Structured Finance Structured Finance team advises clients in leveraging their balance sheet through optimal debt structures. Dalam melaksanakan tugasnya. perusahaan swasta dan investor. Struktur Keuangan Divisi struktur keuangan membantu nasabah dalam mengatur neraca mereka melalui struktur utang yang optimal. PPn. listrik. pencarian mitra strategis. restrukturisasi utang. credit risk management and/or capital efficiency. mengefisienkan modal. 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. Star Choice Investment product with 3-years tenure. with pre-determined ranges and 100% principal guaranteed if held to maturity. where the fund’s owner gives permission to CIMB Niaga Syariah to manage the funds. kecuali dalam bentuk pemberian bonus yang bersifat sukarela. CIMB Group. which linked to USD/IDR exchange rate. Bank CIMB Niaga Annual Report 2009 319 . The account can be registered with children name on both passbook and debit card. 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. 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.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 dapat dimiliki atas nama anak baik di passbook maupun di kartu debit. The indices are dynamically managed based on risk and return optimization. Market Linked Deposit Market Linked Deposit product is a new investment product class resulting from the synergy effort with Group Treasury. 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. Tidak disyaratkan adanya imbalan tertentu. 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. 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. dari pihak bank. dalam rangka memenuhi kebutuhan nasabah akan produk inovatif yang menghasilkan tingkat pengembalian yang lebih tinggi dibandingkan dengan produk konvensional. 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. 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. in order to meet the customers’ need for innovative product to provide potential higher return than conventional deposit products. 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. with no prerequisite returns on the funds except in the form of a voluntary bonus from the Bank. which linked to several Asia’s currencies with 100% principal guaranteed if held to maturity. CIMB Group.

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

Pembiayaan Modal Kerja Fasilitas pembiayaan jangka pendek berdasarkan pada prinsip jual beli (murabahah) dan bagi hasil (musyarakah dan mudharabah) untuk menunjang modal kerja nasabah. Pencairan dan pelunasan disesuaikan dengan kondisi keuangan nasabah. perluasan ataupun pendirian proyek baru maupun refinancing. Kredit Investasi Fasilitas kredit jangka menengah dan jangka panjang. 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. or a maximum of 1 (one) year. Disbursement and payment is according to the financial condition of the customer. 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. which will be paid from the income derived from operations of the capital goods purchased. 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. business expansion. 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.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. modernisasi. 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). Ijarah Muntahiya Bit Tamilk (IMBT) to support working capital of the customer. project financing or re-financing. Pencairan dan pelunasan disesuaikan dengan kondisi keuangan nasabah. Bank CIMB Niaga Annual Report 2009 321 . bagi hasil (musyarakah dan mudharabah) dan Ijarah Muntahiya Bit Tamilk (IMBT) untuk menunjang modal kerja nasabah. Pembiayaan Investasi Fasilitas pendanaan jangka menengah berdasarkan pada prinsip jual beli (murabahah). 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. yang pelunasannya bersumber dari hasil usaha dengan barang-barang modal yang dibiayai. yang diberikan dalam mata uang rupiah maupun valuta asing untuk pembiayaan pengadaan barang-barang modal untuk rehabilitasi.

Pecenongan Raya Ruko Pecenongan Raya No. Tanah Abang Blok F Ps. Fax. Tel. Tel. Fax. 17-18. Fax. 1. : (021) 633 8987 : (021) 633 0015 Tel. Jakarta 10330 Gambir Jl. Suprapto Jakarta Pusat 10620 Senayan City Mall Senayan City. 39A Kel. Boulevard Diponegoro 101 Lippo Karawaci. Letjen. Taman Sari Jakarta Pusat Karang Anyar Komp. 6 Unit 12 B Jl. BL A/20. : (021) 6387 3232 : (021) 6387 3250 Tel. Jakarta 10450 Tel. Fax. Fax. Gajah Mada No. : (021) 385 9633 : (021) 385 9638 322 Bank CIMB Niaga Laporan Tahunan 2009 . Tel. : (021) 7278 1363 : (021) 7278 1360 Tel. Jakarta Pusat 10250 Tanah Abang Bukit Lantai Dasar Blok E Los A 12 A No. 7-8 Jakarta 10220 Benhil Ruko Bendungan Hilir Raya Blok A No. Gajah Mada No. 58 Jakarta 12190 Tel.27 Jl. 2 Los AKS No. Fax. 60877 nagaho ia Web : www. 51. Jakarta 10130 KANTOR CABANG / BRANCH OFFICE Jakarta Pusat / Central Jakarta Gajah Mada. Sudirman Kav. Unit L-16 Lower Ground. 1 Jakarta 10730 Wisma Nugra Santana Jl. 3. Tel. Sudirman Kav. Tel. H. Fax. 17E Jakarta Pusat 10110 Cempaka Mas Rukan Graha Cempaka Mas No. Fax. 53 Jakarta Pusat 10350 Cikini Jl. Jend. 1 Jakarta Pusat 10120 Suryopranoto Komp. 4 Jakarta Pusat 10150 ITC Roxy Mas ITC Roxy Mas Lt. Tel. : (021) 250 5151 / 5252 / 5353 Fax. 33 Jakarta Pusat 10340 Wahid Hasyim Jl. 546 0555 Tel. Cempaka Putih Raya No. Tel. Jl. Tel. Fax. : (021) 546 0666.com E-mail : corsec@cimbniaga. Tel. 18 Jakarta 10130 Thamrin Jl. 3-4 & 8-10 Jakarta Pusat 10250 PGMTA Pusat Grosir Metro Tanah Abang Banking Center. Fax. 88 Jakarta Pusat Jayakarta Jl. Fax. Asia Afrika Jakarta 10270 Tel. 55 Blok A1/12A Jakarta Pusat Musatek Jl. Jayakarta No. 390 6304 : (021) 230 0665 : (021) 570 8802 : (021) 572 2224 : (021) 3190 9471. Kebon Sirih No. 20F Jakarta 10510 ITC Mangga Dua Ruko Tekstil Blok C-VI No. : (021) 629 0553 : (021) 649 4812 : (021) 231 1638 : (021) 231 0489 : (021) 380 2829 : (021) 384 0642 Tel. Fax. Fax. Karang Anyar No. 87. P. 18. Fax. JI. Fax. Tel. KH Hasyim Ashari No. 125 Jakarta Pusat Taman Sari Jl. Fax. 60876. Fax. : (021) 7486 2001 Tel. Gambir Jakarta 10110 Unika Atmajaya Kampus Atmajaya.3 Jakarta Pusat 10710 Pasar Baru Jl. Tel. Suryapranoto No. 60877 Swift : BNIDJA Roxy Mas Komp. Cideng Barat 61–61A Jakarta Pusat 10150 Tel. Wahid Hasyim No. Fax. 177 A-B Jakarta Pusat 10250 Ps. Maphar. Tel. Tel. 7 Blok A2 . 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. Fax. Fax. : (021) 250 5205 Telex : 60876 nagaho ia. Tel. 53A Jakarta Pusat Gajah Mada Tower Gajah Mada Tower TOG 003 GF Jl. Thamrin No.id Telex : 60875.Alamat Kantor Bank CIMB Niaga Bank CIMB Niaga Directories KANTOR PUSAT 1 / HEAD OFFICE 1 Graha Niaga Jl. M. Hayam Wuruk No. 117 Blok A6-7 Jakarta Pusat 10730 Gunung Sahari Jl. Tel. Gunung Sahari Raya No. 1-9 Jakarta Pusat Pintu Air Jl. : (021) 6385 7667 : (021) 6385 7612 Tel. Jl. Fax. Tel. Fax. Fax. Sukarjo Wiryopranoto No. : (021) 624 8554 : (021) 649 2665 : (021) 6386 5966 : (021) 6385 4221 Tel. : (021) 3003 9274–6 : (021) 3003 9285 Tel. Jend. Kwitang No. Fax. Fax. Pasar Baru No. Pertokoan Karang Anyar Permai Jl. Lt.cimbniaga. Pintu Air Raya No. Tanah Abang Jakarta Pusat 10240 Cideng Jl. Tel. Fax. 103 Jakarta Pusat Tel. Fax. 148. : (021) 421 5960 : (021) 4288 5277 Tel. Kramat Raya No. Tel. Fax. Kebun Jeruk III No. Cempaka Putih Jl. Jakarta 12930 Kramat Jl. Fax.Tanah Abang Blok F Lt. Wahid Hasyim. Hayam Wuruk No. Jl. Cikini Raya No. Gunung Sahari No 73C Jakarta 10610 Pecenongan Jl. Roxy Mas Jl. Star Delta Building Blok A/18 Jl. Fax. Fax. 3. Fax. Bintaro Jaya Sektor VII. Tel. Tangerang KANTOR PUSAT 4 / HEAD OFFICE 4 Gajah Mada Jl. 42E Jakarta Pusat Kebon Sirih Jl. : (021) 6385 7667 : (021) 6385 7612 : (021) 315 6721 : (021) 315 6781 : (021) 230 1005 : (021) 230 1236 : (021) 230 0687. Sudirman Kav. Gajah Mada No. Blok A 25 . Tangerang 15810 KANTOR PUSAT 3 / HEAD OFFICE 3 Griya Niaga Bintaro Jl. Jakarta Pusat 10240 Ps. Tel. Jakarta 10210 Gunung Sahari Jl. Hasyim Ashari Kav B-1 No. Jend. Kec. Fax. 19-26 Jakarta Pusat 10130 Hayam Wuruk Plaza Jl. : (021) 626 1259 : (021) 659 1917 Tel. 15. Tel. : (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.co. 71A. Tanah Abang Blok A Gedung Blok A Basement I Los F No. Fax. : (021) 626 6278 : (021) 600 8606 KANTOR PUSAT 2 / HEAD OFFICE 2 Menara CIMB Niaga Jl. Wahid Hasyim Blok B-IV No.

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

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

Fax. Fax. 48 A Jakarta Barat 11430 Mall Taman Anggrek Ground Level Lot VII Jl. Tel. Fax. : (021) 5367 5009 : (021) 5367 4851 : (021) 536 2001 : (021) 533 2446 Tel. Parman Kav. Fax. 6 E Jakarta Barat Tanjung Duren Jl. Tel. 11 Jakarta 14350 Kelapa Gading II Jl. Boulevard Raya LB 3 No. 8 Kebon Jeruk.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. Tel. Pluit Selatan Raya No. 6 Kelapa Gading. Letjend. Fax. Tel. Fax. Green Ville Raya Blok AX No. Fax. B6 Kota Baru Bandar Kemayoran. Fax. Jakarta Barat Tel. : (021) 661 0961 : (021) 661 0662 : (021) 668 3542 : (021) 6667 0151 Bank CIMB Niaga Annual Report 2009 325 . Fax. Fax. Raya Barat Boulevard Blok LC 8 No. Mansyur No. Fax. : (021) 662 2081 : (021) 663 1105 : (021) 6667 3035 : (021) 6667 3433 Tel. Tel. 15 Kalideres. 11. Tel. Bina Nusantara Jl. : (021) 2664 6909 : (021) 2644 6908 Sawah Besar Jl.9 No. 1–2 Jl. Fax. 95 C Jakarta Barat 11510 Citra Garden 1 Perum. Fax. Tel. 84 Kec. Fax. Fax. Tanjung Duren Raya No. Fax. S. Fax. Meruya Ilir. Parman Kav. : (021) 556 1332 : (021) 556 0764 Tel. 19. Fax. 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. 28–29 Jakarta Barat 11230 Mangga Besar Jl. 30 Penjaringan Kamal Muara Pantai Indah Kapuk Jakarta Utara Pluit Jl. Tel. : (021) 5596 6094 : (021) 5596 6134 Tel. K. Citra Garden 1 Blok I 1 No. : (021) 588 4094. Kemanggisan Jakarta Barat Ruko Palmerah Jl. Jakarta 14460 Pantai Indah Kapuk 2 Rukan Exclusive Bukit Golf Mediterania Blok A No. : (021) 581 9757 : (021) 581 9743 Tel. Danau Sunter Utara B1 G7 Kav. Kebon Jeruk. : (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. Fax. Tel. Fax. Parang Tritis Raya No. 35–37 Jakarta Utara 14450 Mega Mall Pluit Ruko Megamall No. 24 Jl. Tel. Tel. Fax. : (021) 581 7177 : (021) 581 2866 Tel. Fax. Sukarjo Wiryopranoto No. Pluit Permai Raya Jakarta Utara 14450 Tel. Jakarta Barat 11530 Green Garden Komp. Pintu Kecil No. Soekarno Hatta International Airport Jakarta 19110 Tomang Tol Jl. Letjen S Parman No. Jelambar Baru Raya No. 9. Tel. Fax. Fax. Tel. Fax. Palmerah Barat No. Fax. Kelapa Gading Park View Jl. 113–115 Jakarta Utara 14450 CBD Pluit Ruko CBD Pluit Blok A No. 129 B Jakarta Barat Citraland Mall Ciputra LG No. Fax. Mangga Besar Raya No.2459 : (021) 260 1876 : (021) 260 1874 Tel. Tel. Tel. Kec. Jakarta 14240 Sunter Mall Jl. Kel. Raya Boulevard Timur Blok ZC-01 No. 8 Taman Kedoya Baru Jakarta Barat 11520 Graha Medika Jl. 16 Jakarta Barat Bunda Hati Kudus Jl. 1 Penjaringan Jakarta Utara 14450 Muara Karang Jl. Fax. Fax. Tel. Kebon Jeruk Jakarta Barat 11180 Lokasari Komplek THR Lokasari Blok B No. : (021) 260 1908 : (021) 260 1909 Tel. Daan Mogot Raya No. Hayam Wuruk No. Jalur Lambat Tol No. Fax. Graha Kencana Blok BF Jl. Cengkareng Jakarta Barat Kebon Jeruk Komp. Tomang Raya No. : (021) 530 6725 : (021) 584 5570 : (021) 566 9801 : (021) 567 1588 . H. 87 Jakarta Barat Daan Mogot Jl. Hayam Wuruk No. 53 Jakarta Barat 11180 Lindeteves Trade Center Lindeteves Trade Center GF-2 RA 42–43 Jl. 32 G Jakarta Barat RSAB Harapan Kita Jl. Fax. Jakarta Barat Pintu Kecil Jl. Tel. Fax. Kedoya Utara Jakarta Barat 11520 Taman Palem Lestari Perum Taman Palem Lestari Blok D1 No. Perjuangan Raya No. Pluit Sakti Raya No. Fax. Fax. Fax. Tel. 1 Blok AM Ancol Barat. Tel. 12 Jakarta Barat 11230 Ancol Jl. 21. Tel. Jakarta 10610 Soewarna Business Park Blok E Lot 1 & 2. Fax. Moh. Kopi No. Fax.1595 : (021) 563 9055 : (021) 563 9077 Tel. Fax. 57 Jl. Jakarta Barat 11530 Graha Kencana Komp. Jakarta Barat Green Ville Jl. 21 Jl. Jakarta Barat 11630 Tomang Raya Jl. 88 Kebon Jeruk. Raya Perjuangan Kav. Ruko Green Garden Blok I. Tel. Kel. Tel. S. Intercon Plaza Blok F 12–12 A Jl.4194 : (021) 588 4280 Tel. Parman Kav. 9 Jakarta Barat 11160 Jembatan Lima Jl. 79–79A Jakarta Barat 11250 Kota Jl. Tel. Muara Karang Raya No. Mangga Dua. 127 Jakarta Barat 11180 Glodok HWI HWI Building Lindeteves Lt. 19 Jakarta Barat 11410 STMIK /Univ. 21 Jakarta Barat Slipi Jl. : (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. 20 Jakarta 14240 Pantai Indah Kapuk I Pantai Indh Kapuk Ruko Mediterania Tahap II Blok K BK Pluit. KH Syahdan No. Jakarta 14240 Kelapa Gading Park View Komp. 34–36 Kelapa Gading. : (021) 260 1694 : (021) 260 1726 : (021) 260 1919 : (021) 260 1925 Tel. S. 100 Jakarta Barat 11180 Jakarta Utara / North Jakarta Kelapa Gading Jl. : (021) 550 2370 : (021) 5591 1249 Tel.

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

328

Bank CIMB Niaga Laporan Tahunan 2009

Cyber Park Lippo Karawaci. Dasar Jl. 09 Cikupa. Dewi Sartika No. H. Fax. Raya Diponegoro No. Fax. Fax. 25A–25C Ciputat Tangerang 15411 Tel. Dr. Fax. 6. Fax. Fax. Tangerang 15810 Ruko Pinangsia Komp. Fax. Thamrin. Raya Cileduk Perum Pondok Lestari Blok A I No. Fax. Tel. Boulevar Gading Serpong No. Tel. Fax. Kisamaun No. Cirendeu Raya No. Nyimas Melati No. Fax. Fax. 3 Pondok Hasanudin. Fax. Tel. : (021) 5577 7786–7 : (021) 5577 7811 : (021) 546 9529 : (021) 546 9530 : (021) 5421 0895 . Cikokol. Tel. Gatot Subroto Blok F1/VIII Semarang 50184 Mataram Jl. Fax. Lt. 51 Tangerang 15111 Mahkota Mas Komplek Mahkota Mas Blok J No. Fax. Tel. H. 101 Tangerang 15810 Sekolah Pelita Harapan Jl. Mauk. 5879 Jl. Semarang Lingkungan Industri Kecil (LIK) Jl. Fax. Jl. Gajah Mada No. 0001. : (021) 546 1158–59 : (021) 546 1227 Tel. 99C Semarang 50241 Banyumanik Mal Harmoni. Lippo Karawaci Tangerang Gading Serpong Ruko Alexandrite. : (021) 5421 1990 . 68 Blok A-5 Banyumanik. Tangerang Tangerang Karawaci Gedung Menara CIMB Niaga Jl. Citarum No. Semarang Gang Besen Jl. Fax. Majapahit No. 37. Fax. Summarecon Serpong. 29. Pisangan Pondok Cabe. Fax. Achmad Dahlan Blok A6/11 Semarang Unika Jl. Fax. Semarang 50137 Kanjengan-Puri Baruna Komplek Kanjengan Ruko B A-3 Semarang Panti Wilasa Jl. Fax. 5. Jend. Pertokoan Pamulang Permai Blok SH XI No. Pemuda No. : (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. 121 Semarang 50235 Pelindo III Jl. : (024) 351 5240 : (024) 354 2421 : (024) 356 9109 : (024) 356 9108 : (024) 747 8766 : (024) 747 8770 : (024) 673 3216 : (024) 673 3122. Tel. Fax. Pelita Harapan Dynaplast Tower. 26 ALX 3. Tangerang Taman Cibodas Duta Mas Plaza Blok A Kav. Cipto. Tangerang 15417 JAWA TENGAH/ CENTRAL JAVA Semarang Pemuda Jl. : (021) 584 7507–8 : (021) 584 7509 : (021) 749 1325 : (021) 749 1324 Bank CIMB Niaga Annual Report 2009 329 .Semarang 50263 Majapahit Jl. Tangerang 15157 Ciputat Jl. 126 Jl. Sudirman 35. Tel. Semarang Tel. 9 Jl. Desa Kelapa Dua Karawaci. Pasar Lama Tangerang 15112 Pasar Baru Ruko Ramayana Pasar Baru Blok B No. 2056. Tel. Tel. Tel. Tel. 42.102–104 Semarang 50133 Hasanudin Komplek Permata Hijau BB. Tel. Fax. Tel. Fax. Tangerang 15810 Univ. Tel. Cendrawasih Kompleks Pertokoan Jurnatan B No. T. Fax. 339B Semarang 50246 Candi Jl. Fax. Terminal E Keberangkatan EOD 68 Cengkareng. M. Utama Tengah 252 Weleri Semarang Gatot Subroto Kawasan Industri Candi Jl. 106 D Semarang 50517 Telogorejo Jl. Tel. Fax. Tel. 39 Serpong Tangerang Cirendeu Jl. Lippo Karawaci Tangerang 15810 Cyber Park Ruko Gajah Mada Jl. Tel. Semarang Pemuda Jl.Introduction Key Message Planning & Strategy Financial Performance Business & Operations Report Corporate Governance Social Responsibility Shareholders’ Information Corporate Data Supermall Karawaci Lippo Karawaci 1200. KH Wahid Hasyim No. Perdagangan Ruko Pinangsia Blok B No. Tel. Fax. Tangerang Citra Raya Perum Citra Raya Blok C 1 No. Fax. Haryono 627. Tel. : (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. Toha. Lippo Karawaci Tangerang Cipadu Cipadu Trade Center Blok B1–B2 Jl. Tel. Semarang Cendrawasih Jl. : (021) 744 4925 : (021) 744 4924 Tel. Semarang Dargo Dargo Indah Plaza Blok D No. Fax. Raya Serpong No. Fax. Fax. Fax. M.898 : (021) 5421 2210 Tel. Cipadu Tangerang Ciledug Jl. Semarang Siliwangi Jl. Tangerang 15811 Siloam Gleneagles Jl. Fax. Siloam No. Tel. Tel. Brigjen Sudiarto Kav. Tel. Industri Gang VI Kav. Fax. Sukun Raya No. Tel. Sultan Agung No. Sultan Agung No. M. Tangerang Nyi Mas Melati Jl. Tel. Gang Besen 95 C.2025 : (021) 5421 1991 : (021) 559 4384 . Tel. : (021) 547 3521 : (021) 547 3522 : (021) 553 3331–2 : (021) 5577 8750 Tel. Thamrin. Tangerang 15811 Bandara Soekarno Hatta. 55 J Semarang Weleri Jl. 98. Jl. 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. Fax. Fax. Tel. 18–19.1. Ruko Gajah Mada No. Tel. Tel. Fax. Tel. Fax. : (021) 7345 1134 : (021) 7345 1077 Tel. 20. 21B. No. M. Fax. Gatot Subroto No. Semarang Ungaran Jl. Fax. Pawiyatan Luhur No. Fax. Semarang Majapahit Jl. Tel. 10 Tanjung Mas. Coaster No. Fax. Tel. 33 Tangerang Kisamaun Jl. Raya Legok.86 : (021) 559 4385 : (021) 537 4580 : (021) 537 4630 Pamulang Jl. Fax. Tel. Semarang 50139 Gajah Mada Jl. Pemuda No. Fax. Tangerang Metropolis Town Square Mall Metro Polis Town Square Blok GM 5 No. 5–6 Ruko Gayam Sari.12. Tangerang 19120 Mall WTC Serpong Komplek Mall WTC Matahari Serpong Ruko No. Tel. Fax. 57–59 Semarang Sultan Agung Jl. Tel. Jl. 40/1-3.

Solo Pierre Tendean-Nusukan Jl. Demak Juwana Juwana Jl. Manahan Solo 57139 Palur Jl. Fax. 21. Tel. Solo Delanggu Jl. Karanganyar Sragen Jl. Jend. Fax. 16. Fax. 5 Magelang 56122 Muntilan Muntilan Jl. Piere Tendean 56. Slamet Riyadi No. Fax. Fax. Fax. Fax. 234. 2. Tentara Pelajar No. Tel. 229 Pasar Sragen Sukoharjo Jl. Tel. Fax. Tel. Tel. Ruko Tamansari Shopping Center No. Tel. 136. 2 Jl. Fax. Fax. 74. Raya Palur 47 B. Fax. Solo UNS Jl. Solo Kasih Ibu Jl. : (0293) 587 451 : (0293) 587 451 Tel. 8A Solo PGS Solo Pusat Grosir Solo lantai 1 Blok B3 No. Tel. Sudirman Blok A-B Komplek Studio 1. Sudirman No. Tel. Fax. Tegal Tel. Kudus 59317 RS. Ir. Solo Karanganyar Jl. Mardi Rahayu Jl. Jend. Fax. Purworejo 54100 Purworejo Jl. Sudirman 89. 31. Jend. Agil Kusumadya No. Klaten 574111 Klaten Jl. Tel. Fax. : (0298) 329 455 / 8 : (0298) 329 457 Tel. Fax. Jend. Tel. : (0283) 343 800 . Purwodadi Pati Pati Jl. Tel. Tidar No. Temanggung Klaten Klaten Jl. Tel. Jend. : (0293) 598 680 : (0293) 598 680 Tel. Tel. R.Alamat Kantor Bank CIMB Niaga Bank CIMB Niaga Directories Solo Slamet Riyadi Jl. Fax. Tel. : (0275) 324 444 : (0275) 323 179 : (0275) 322 213 : (0275) 325 305 Tel. Solo 57131 Kartasura Jl. Solo Solo Baru Jl. Raya Palur KM 7 No. Sukoharjo Salatiga Komp. 2. Fax. Fax. Ahmad Yani No. U. 01 Solo Kampus ATMI Jl. Mojo No. Tel. Lawu No. Fax. Fax. Tel. Fax. 5 A Kudus 59343 Purwodadi Tel. Adisutjipto No. Sudirman Salatiga 50711 Salatiga Jl. : (0291) 686 519 : (0291) 686 520 Tel. Fax. Diponegoro 99. Juwana Magelang Magelang Jl. Fax. Yani No. Fax. Solo Solo Gading Ruko Gading No. Ruko Kartasura Blok B 3–4 Kartasura. KH. : (0298) 322 142 : (0298) 322 143 : (0298) 312 840 : (0298) 312 840 330 Bank CIMB Niaga Laporan Tahunan 2009 . Sutami No. Fax. Fax. Slamet Riyadi No. Solo 57111 Manahan Jl. Tel. Fax. 7–8 Jl. Tel. Magelang 56151 Magelang Jl. Fax. Fax. Raya Solo Baru Blok AB-4. Solo Mesen Square Ruko Messen Square No. Dahlan No. Pati Demak Demak Ruko Bintoro No. : (0293) 493 810 : (0293) 491 213 : (0293) 493 487 : (0293) 493 487 Tel. Jend. Fax. Tel. Pemuda No. Fax. Solo Boyolali Jl. 93 Salatiga 50711 UKSW Jl. Slamet Riyadi 404. Raya Banjaran 39 Banjaran Adiwerna. Tel. : (0293) 364 391 / 160 : (0293) 364 121 : (0293) 364 700 : (0293) 364 090 Tel. Purworejo Temanggung Temanggung Jl. 6. Tel. Fax. Fax. Jendral Sudirman No. Tel. Tel. Diponegoro Ruko No. Solo Solo Pasar Klewer Pasar Klewer EE 28-43. Fax. 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. 39. S. Tel. Sudirman 34. Diponegoro 52–60 Salatiga Tel. Mayor Sunaryo No.3–4 Jl Urip Sumohardjo.801 : (0283) 343 814 : (0283) 355 992 : (0283) 358 898 : (0283) 442 202 : (0283) 442 202 Tel. Tel. Fax. Pemuda Tengah No. : (0295) 471 119 : (0295) 471 113 Tel. 82 Ruko Pucang Sawit. : (0291) 432 323 : (0291) 432 326 : (0291) 434 296 : (0291) 434 707 : (0291) 432 962 : (0291) 432 967 Tel. 2. Raya Delanggu No. Fax. Fax. : (0272) 324 968 : (0272) 327 907 : (0272) 322 577 : (0272) 322 577 Tel. Pandanaran–Kios Pasar Boyolali. Fax. S. 45 Temanggung 56216 Temanggung Jl. 1 Karang Asem Laweyan Solo Slamet Riyadi Jl. Fax. : (0292) 422 092 : (0292) 421 211 Tel. Tegal 52113 Tegal Jl. Muntilan Parakan Parakan Jl. Fax. 8. Jendral Sudirman 134 Ambarawa Kudus Kudus Jl. Tel. 13.66. 4. : (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. AKBP RAGIL Kusumadya 110 Kudus Kudus Jl. 08. Fax. Raya Sukowati No. Parman Pasar Legi Kios A 1-5 Solo Palur Jl. 56. Fax. Brigjen Sudiarto. : (0295) 382 155 : (0295) 382 200 Tel. Tegal 52113 Banjaran Jl. 1. : (0298) 592 455 : (0298) 592 455 Tel. Tel. Silugonggo 12 A. L. Jl. A. A. Pemuda Ruko No. Parakan Purworejo Purworejo Jl. Solo Pasar Legi Jl. Sudirman No. Tel. Klaten Tegal Tegal Jl. Parman No.

Jepara Wonogiri Jl. Tel. Tel. Tel. Sudirman No. Ruko Pasar Tumenggungan Blok 12-13. Tel. 29 A Yogyakarta UAJ Babarsari Jl. : (0281) 633 523 : (0281) 633 523 Tel.125. Yani Wonosobo Kroya Jl. Fax. Fax. Diponegoro No. Tel. 56. Tel. Jl. Tel. 121 Surabaya 60177 Tel. Brigjem Katamso No. Jend. : (0287) 382 036 : (0287) 382 037 Tel. : (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. Fax. Yogyakarta Sanata Darma Jl. Pekalongan Comal Jl. Fax. 118 Yogyakarta 55121 Banyuraden Ruko Banyuraden No. 31 Yogyakarta Parang Tritis Jl. Jl. 13 Yogyakarta 55233 Katamso Garuda. Tel. Yogyakarta UAJ Mrican Universitas Atmajaya Jl. Tel. Fax. Tel. Fax. Laksda Adisucipto No. Fax. Fax. Tel. A. 12 D Wonogiri Wonosobo Jl.106 Yogyakarta JAWA TIMUR / EAST JAVA Tel. 605 Purwokerto 53114 Karang Lewas Karang Lewas Ruko Pasar Karanglewas No. Fax. Jend. : (0282) 494 309 : (0282) 494 309 Bank CIMB Niaga Annual Report 2009 331 . 26 Surabaya 60264 Satelite Komp. Jend. Pusat UGM Yogyakarta Sudirman Jl. : (0283) 492 941 : (0283) 321 584 Sudirman Jl. Yos Sudarso Gombong Jepara Jl. Godean Km. Jend. 142 Surabaya 60132 Tunjungan Jl. Tel. Fax. P. Fax. Diponegoro No. Sungkono. Fax. Yani Kroya DI Yogyakarta Tel. Raya Kedungwuni No. Tel. 91. Tel. 3 Pekalongan 51119 Banjarsari Jl. Tel. : (0281) 642 660 : (0281) 642 651–2 : (0281) 631 862 : (0281) 631 896 Tel. Fax. Surabaya 60225 Husada Jl. Surabaya 60275 Sudirman Jl. Fax. Sudirman No. 7 Jl. Gejayan No. Tel. Sudirman No. Fax. Jemur Andayani No. A. Kab. Fax. Tel. Tel. : (0286) 321 693 : (0286) 321 844 Tel. 5. 26A. Kusumanegara No. Fax. Slawi Pemalang Pemalang Jl. Fax. Fax. Tel. Sekip Blok L4. 1 Karang Lewas Cilacap Cilacap Jl. Sudirman No. Mrican Tromol Pos 29 Yogyakarta RS. Fax. Diponegoro 141 C Kutoarjo Gombong Jl. Tel. : (0283) 671 312 : (0283) 671 312 Tel. Tel. : (0284) 324 165 : (0284) 324 165 Tel. Pahlawan Kebumen 54311 Kutoarjo Jl. Magelang 116 Karangwaru Yogyakarta Ngabean Jl KH. Fax. : (0281) 659 7194 : (0281) 891 945 Tel. Fax. Fax. Sudirman 37 Purbalingga Kebumen Kebumen Komp. Tel.5. Tel. Brebes Purwokerto Purwokerto Jl. Fax. Fax. Fax. Sudirman No. : (0282) 531 029 : (0282) 531 033 Tel. 36 . Demangan Baru No. Sleman Yogyakarta 55283 Kampus UGM Gd. Parangtritis 115 D Yogyakarta Magelang Jl. A. Jend Sudirman No. Hayam Wuruk No. 20 Cilacap 53213 Pekalongan Pekalongan Jl. Tel. 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. Pekalongan Pekalongan Purbalingga Jl. Malioboro No. Fax. Fax. 47. Cik Di Tiro 30. Yani Comal Kedungwuni Jl. Jend. Fax. 50 Yogyakarta 55224 Malioboro Jl. Fax. Darmo Park I Blok V/2 Jl. Dharmahusada No. Jend. Sultan Agung No.Introduction Key Message Planning & Strategy Financial Performance Business & Operations Report Corporate Governance Social Responsibility Shareholders’ Information Corporate Data Slawi Jl. Kedungwuni. Tel. Pemalang Brebes Brebes Jl. 93 Kec. : (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. 53-A Surabaya 60237 Perak Jl. Jend. MayJen. Fax. Yogyakarta Kusumanegara Jl. Yogyakarta 55221 Kaliurang Jl. Fax. Fax. Fax. : (0275) 642 109 : (0275) 642 457 : (0287) 471 701 : (0287) 472 727 : (0291) 594 031 : (0291) 592 300 Surabaya Darmo Jl. : (0273) 321 103 : (0273) 321 104 Tel. Fax. Fax. Fax. Fax. Tel. Fax. Perak Barat No. Fax. Mayjen Sutoyo 14. Tel. Fax. Kaliurang. Panti Rapih Jl. Sudirman No.A Dahlan No. 60. 59-61 Surabaya 60271 Jemur Andayani Jl. Raya Darmo No. Yogyakarta 55122 Gejayan Jl. Fax. : (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. 417 Purwokerto 53116 Purwokerto Jl. Yogyakarta Adisucipto Jl. Fax. Tel. Babarsari 44. Sudirman 115. Tunjungan No.

Tel. Tel. Kalijaten No. Tel. Tel. : (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. Fax. Tel. 88. Jl. Surabaya 60161 Kembang Jepun Jl. A. Raya Sukomanunggal Jaya B-01 Surabaya Tidar Jl. Fax. 151 Ruko Rich Palace Blok R-22 Surabaya 60189 Pakuwon Trade Centre Komplek Pertokoan Super Mall Lantai 2 Blok T1 No. Raya Mulyosari No. Surabaya Jemursari Jl. Fax. Kapas Krampung No. Prof. Fax. 27 E (D. 27 Surabaya 60282 Kusuma Bangsa Jl. Tel. Moestopo No.1) Surabaya Semarang Ruko Megah Raya Blok B . Fax. A. Mulyorejo. Pucang Anom Timur No. Basuki Rahmat 106–128. Ruko Gateway B-9 Sawotratap Jl. 75-77 Surabaya Tel. Fax. Yani 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. Fax. Tel. Fax. : (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. Mulyosari 104/PC-26 Surabaya Jemursari Ruko Jemursari Blok A-10 Surabaya Pasar Atom Pasar Atom Shopping Centre Tahap IV G No. 45. Fax. Yani No. Yani Jl. Kembang Jepun No.Diponegoro Jl. Fax. Fax. Rungkut Madya No. Tel. 93 Surabaya 60187 Gubeng Jl. 71-A Surabaya 60135 Kedung Doro Jl. Tel. Tel. Tel. A-18 Jl. 7-8. Mayjend Sungkono No. Manyar Kertoarjo V No. Raya Menganti A-18 Wiyung Surabaya Hyatt Hotel Jl. Jemursari No. 44 Krian Sidoarjo Sepanjang Jl. Sidoarjo Tel. Tel. Tel. Kertajaya Indah Timur 16-B/6 Surabaya 60117 Universitas Airlangga Kampus C Unair Jl. 139 Surabaya 60261 Wiyung Jl. : (031) 594 1470 : (031) 594 7750 332 Bank CIMB Niaga Laporan Tahunan 2009 . Fax. Suparman Waru Sidoarjo 61256 Wadung Asri Ruko Sentra Tropoda No. Raya Gubeng No.Alamat Kantor Bank CIMB Niaga Bank CIMB Niaga Directories RMI Pertokoan Manyar Mega Indah Jl. Fax. Fax.Tanjung Mutiara No. Tel. Tel.1 Surabaya Sungkono Jl. Raya Kali Rungkut Surabaya Manyar Kertoardjo Jl. 50 Surabaya H. Tel. Fax. Bunguran No. 57 Surabaya 60293 Mulyosari Jl. Fax. 47 Surabaya 60285 Pasar Atum Mall Lantai 1. 71-73 Kav A-2 Sepanjang. Fax. Baliwerti No 113 Surabaya Raya Darmo Raya Darmo Square Business Center Building Blok D6-D7. Kedungdoro No. Fax. Tel. Surabaya Sukomanunggal Jl. Fax. Raya Darmo No. Fax. 129 Surabaya 60161 Kapas Jl. : (031) 502 6660 : (031) 503 0281 Mulyosari Jl. 12. Fax. Ngagel Jaya Selatan G-3 Surabaya 60283 Rungkut Jl. Surabaya 60115 Kembang Jepun Jl. Surabaya 60266 Surabaya . 23-25 Surabaya 60251 Pucang Anom Jl. Fax. Tel. : (031) 868 6349 : (031) 868 6362 : (031) 897 1987 : (031) 897 2758 : (031) 788 6882 : (031) 788 6883 Tel. Tel. Surabaya Pasar Turi Pertokoan Sinar Galaxy Pasar Turi B-62. Kertopaten 56-C. Fax. Tel. Fax. Fax. Tel. Tel. Fax. HR Muhammad 49-55 Surabaya Sidoarjo Sidoarjo Jl. Fax. Tel. Muhammad Ruko Beverly Park A-1 Jl. Fax. Diponegoro No. Mayjen Sungkono No. : (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. Fax. Fax. Fax. 15-A Sidoarjo 61212 Waru Gateway Waru. Fax. 53 Surabaya Kertopaten Jl.612 Surabaya Terminal Peti Kemas Surabaya Jl. Fax. : (031) 896 1157 : (031) 896 1327 : (031) 854 2908 : (031) 855 4102 Tel. Fax. Ahmad Yani 260 Surabaya Tanjung Perak Timur Ruko Perak timur Blok A 6 No. 54-56. Raya Tropoda 115 Sidoarjo 61256 Krian Jl. Surabaya 60123 Mega Galaxy Jl. Fax. Kembang Jepun No. Tel. 166 Surabaya 60112 Gedung Graha Pena Jl. Tel. Tidar No. Surabaya 60231 Kampus UNAIR Jl. Fax. Tel. Tel. Tel. Fax. Tel. 26 A Surabaya A. Surabaya Baliwerti Jl. Fax. Kauman No. Tel. Tel. 161 Surabaya 60237 Rich Palace Jl. Fax. Tel.5 Jl. Tel. No. Fax. Fax.R. Fax. 67 Jl. Klampis Jaya No. Tel.

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

Tel. Fax. Juanda No. Bali Teuku Umar Rukan Telkom. : (0752) 628 600 : (0752) 628 606 Tel. H. 07 Medan 20111 Gajah Mada Jl. Pasar Jambi. Dr. Sang Nawuluh Blok A No. Fax. Fax. Yos Sudarso 225-J Medan Sutomo Ujung Jl. Raya Ubud No 79 Ubud Gianyar Denpasar Nusa Dua Komplek Pertokoan Tragia Blok E III No 29 Nusa Dua. Fax. Fax. Fax. Fax. A. Tel. Fax. Wiltop Trade Center Jl. Jambi 36113 Sipin Jl. Ir. Tel.Tubun No. Yamin SH 148.14 A-B. Fax. Fax.187 A-B Medan 20112 Iskandar Muda Jl. Medan Binjai Jl. AR. Tel. Medan 20214 Gatot Subroto Jl. Jl. Hakim 70–72. Tel. Fax. Fax. Fax. Medan Tel. Pematang Siantar Megaland Jl. Fax. Pemuda No. Medan 20231 Yos Sudarso Jl. Fax.Yamin SH 80. Tel. Fax. 1–3 Medan 20111 Sujono Jl. : (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. Aksara No. Tel. Tel. Sisingamangaraja No. Fax. Gatot Subroto No. Tel. Medan 20211 Aksara Jl. 56. Fax. Tel. Tel. Jimbaran. Medan Bandung Jl. 99. : (0741) 32 900 : (0741) 22 582 : (0741) 668 089 : (0741) 63 979 : (0741) 783 7230 : (0741) 783 7217 Tel. Denpasar Kediri Tabanan Kompleks Pertokoan Pesiapan TabananKediri. 4–5 Denpasar 80114 Denpasar . By Pass Ngurah Rai Denpasar SUMATERA UTARA / NORTH SUMATERA Medan Bukit Barisan Jl. 95 E. 28 Pematang Siantar Tebing Tinggi Tel. Kol. Sumatera No. Pondok No. Padang Bukit Tinggi Bukit Tinggi Jl. Tel. Fax. Sutomo No. Tel. Gajah Mada No. 175 B-C Tebing Tinggi 20611 SUMATERA BARAT / WEST SUMATERA Padang Padang Jl. Fax. Blok I No. Fax. 61 . Sudirman No. 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. Letda Sujono 162. Fax. Fax. Tel. Tel. Fax. Tel. Tel. Fax. Yani No. Sutomo Ujung 247-249 Medan Kereta Api Jl. Denpasar Dewi Sartika Jl. Kapten Maulana Lubis GE 1 No. 88 Kuta Denpasar Sanur Komplek Pertokoan Sanur Raya 29-30 Jl. Tel. 77 Denpasar 80119 Gatot Subroto Jl. Tel. Fax. Tel. Medan 20152 Kawasan Industri Medan Jl. Bukittinggi 26113 Jambi Jambi Jl. Executive Centre. Tel. : (0751) 32 533 : (0751) 34 022 : (0751) 37 569 : (0751) 31 884 Tel. 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. Sudirman 68-70. Tel.31. Fax. : (0778) 426 777 : (0778) 454 373 Tel.Alamat Kantor Bank CIMB Niaga Bank CIMB Niaga Directories Jimbaran Ruko Jimbaran Arcade Jl. Pahlawan 60 Tanjung Morawa Medan Grand Paladium Mall Jl. 3 Medan Asia Jl. Denpasar Kuta GRAHA LIPPO Jl. Dewi Sartika Blok I F-G Komp. Fax. Iskandar Muda127. Tel. Medan 20153 Juanda Jl. Abun Jani No. Fax. 1 ABC. Asia No. Padang 25112 Pondok Jl. Medan 20117 Simpang Limun Jl. Fax. Laksamana Bintan Komp. Tel. 5 Pematang Siantar 21117 Perdagangan Jl. Medan Polonia Jl. Tel. Fax. Fax. Tel. : (0778) 432 832 : (0778) 432 834 334 Bank CIMB Niaga Laporan Tahunan 2009 . : (0621) 21 800 : (0621) 22 113 Tel.4. Tel. Sudirman 14 Polonia. Pos (d/h Bukit Barisan) No. Duta Plaza. 201. Medan Mohammad Yamin Jl. Tel. Raya Uluwatu II. Fax. 7. Fax.Thamrin Jl. Prof. MH. Gatot Subroto No 89 C Denpasar Denpasar Ubud Jl. Fax. Teuku Umar No. Nagoya. Sipin Ujung Jambi Angso Duo Komp. Tel. 11. Fax. Ahmad Yani No. Medan Tanjung Morawa Jl. Fax. Tel. Batam 29432 Tel. : (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. Sultan Thaha Sjaifuddin Blok A No. Fax. 118 B. HM. Fax.63 Labuan Batu Sumatera Utara Pematang Siantar Pematang Siantar Jl. 608 Perdagangan. Tel. Bandung 29–31. 19. Fax. Medan Rantau Prapat Jl. By Pass Ngurah Rai No. Fax. Sei Panas Batam 29432 Nagoya Kompleks Nagoya Business Centre Blok 6/26. HM. Thamrin No. Jambi KEPULAUAN RIAU / RIAU ISLANDS Batam Sei Panas Jl. Sisingamangaraja 17. Tel. Tel. Fax. : (0622) 21 227 : (0622) 24 632 : (0622) 96 891 : (0622) 96 891 : (0622) 23 000 : (0622) 433 760 Tel. Medan 20224 Pemuda Jl. Fax. AIP II KS. Merdeka No.

Tel. Fax. Fax. Sudirman Klandasan Ulu. Fax. Masjid Jamik. Tel. Fax. Fax. Kolonel Atmo No. 132 B Palembang 30129 Rustam Efendi Jl. Fax. 177 Dumai 28811 SUMATERA SELATAN / SOUTH SUMATERA Palembang Palembang Jl. Rustam Efendi No. Fax. Balikpapan Balikpapan Kebon Sayur Jl. Fax. Fax. : (0281) 572 831 : (0281) 572 831 Bank CIMB Niaga Annual Report 2009 335 . 83 Balikpapan 76121 Balikpapan Permai Komp. Yani Km. Tel. Tel. Pekanbaru Ahmad Yani Jl. Tel. Fax. 16–18 Lampung 35111 KALIMANTAN TIMUR / EAST KALIMANTAN Balikpapan Tel. : (0721) 485 773 : (0721) 483 296 : (0721) 259 877 : (0721) 259 787 : (0721) 261 994 : (0721) 263 442 Tel.1 Jl. : (0771) 61 692 : (0771) 61 261 : (0771) 442 866 : (0771) 442 865 Kompleks Ruko Bandar Balikpapan Blok C-12A & 14. 26 Banjarmasin 70111 Ahmad Yani Jl. Palembang II No. Tel. 66 RT IV Tenggarong KALIMANTAN SELATAN / SOUTH KALIMANTAN Banjarmasin Banjarmasin Jl. Hang Kesturi KM IV Kabil Indonusa Estate. 110–111 Palembang 30215 Tel. A. 591 Palembang Kenten Jl. 5. Tel. Fax. S. Tel. Fax. Fax. Jend. Fax.Introduction Key Message Planning & Strategy Financial Performance Business & Operations Report Corporate Governance Social Responsibility Shareholders’ Information Corporate Data Hang Kesturi Jl. : (0711) 313 880 : (0711) 311 905 : (0711) 312 706 : (0711) 312 706 Tel. Fax. 160 Samarinda Sutomo Jl. Fax. Diponegoro 53D. Laks. : (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. 140A Bandar Lampung 35118 Tanjung Karang Jl. Tel. Batam Batu Aji Komplek Cipta Agung No. Bintan Center Tanjung Pinang Tanjung Pinang Tanjung Pinang Jl. Duri Pekanbaru 28884 Nangka Jl. : (0511) 325 7990 : (0511) 325 7501 : (0511) 436 7508 : (0511) 436 7929 : (0511) 326 2953 : (0511) 326 2987 Tel. Fax. Tel. DI Panjaitan Km 9. Pangeran Samudera No. Tel. Fax. Sultan Syarif Qasim No. Tuanku Tambusai 320-H. Jend. Fax. Jend. Atmo Jl. Fax. A. Ahmad Yani 25 Pekanbaru Dumai Jl. Sudirman No. Malahayati No. Fax. Tel. Raden Intan No. Tel. : (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. H. 1344C Palembang Lampung Lampung Jl. Masjid Jamik.5. Sudirman No. Fax. Fax. Mesjid Lama No. Kijang Pulau Bintan Bintan Center Jl. : (0771) 27 947 : (0771) 27 950 Tel. Tel. Fax. 11.Sultan A. Lambung Mangkurat No. Fax. Fax.Balikpapan Permai Blok G1 No. : (0711) 377 770 : (0711) 377 755 : (0711) 362 258 : (0711) 365 617 : (0711) 312 881 : (0711) 310 881 Jl. Samarinda Ilir Samarinda 75112 Simpang Merak Jl. Sudirman. Laksamana Bintan Sei Panas. AKBP Cek Agus No. Jend. Bangka Pulau Bintan Kijang Jl. 23 Balikpapan 76131 Samarinda Tel. 255 CD Pekanbaru 28112 Duri Jl. Batam 29432 Lumbung Rezeki Kompleks Lumbung Rezeki Blok G 6.8 Jl. Fax. Fax. 32 Samarinda 75111 Lambung Mangkurat Jl. Fax. Tel. Batam 29432 Top 100 Kompleks Pertokoan Plaza TOP 100.163–165 Pekanbaru 28112 Nangka Raya Jl. Jl. Tel. Let. Tel. : (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. Batu Aji Batam Bangka Pangkal Pinang Jl. Penuin. Jend. Fax. Fax. Fax. Kec. Tel. 410. Banjarmasin 70233 Tel. : (0761) 29 868 / 565 : (0761) 29 838 : (0765) 594 760 : (0765) 594 750 : (0761) 572 026 : (0761) 572 023 Jl. Yani Km 2 No. Fax. Tel. 34–40 Bandar Lampung 35224 Raden Intan Jl. Tel. Kel.7.Rahman. Tel. : (0711) 439626 : (0717) 438 271 Tel. 6 Banjarmasin Ajibarang Ajibarang Jl. Jend Suprapto RT 17 No. Sudirman No. Tel.2 Jl. Fax. 23 Palembang 30121 Mesjid Lama Jl. Pangkal Pinang. Tel. Tel. Fax. Tuanku Tambusai Komplek Nangka Sari Blok A 17-18 Pekanbaru 28125 Chevron Rumbai Banking Center Chevron Rumbai Pekanbaru 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. Soetomo No. 39 RT V Samarinda Tenggarong Jl. 5 Ajibarang Tel. Batam 29422 Sei Panas Kompleks Gold Hill Blok A No. 2. K. Merdeka No. A. Jend. Pasar Berdikari 30. Fax. Balikpapan 76112 Mall Fantasy Mall Fantasy Balikpapan Baru 76114 Balikpapan Jl. Parman Blok C 24 Samarinda Samarinda Jl. Blok A No. Fax. Raya Pancasan Ruko Pasar No. Fax. M. Khalid No. Fax. Yani No. Dr. Fax. Rangkui. Tel. Hangtuah No. Jend. Sudirman No. Tel. Tel. 11 Tanjung Pinang 29111 RIAU Pekanbaru Jl.

Diponegoro No. 871 891 : (0411) 811 0338 . : (0901) 301 234 : (0901) 301 233 Tel. Makassar 90111 Veteran Gedung Kenari Petak IV Jl. Timika Mimika. : (024) 3562721 : (024) 3540184 Tel. Kawasan Niaga Bintaro. Penghibur No. Fax. Makassar Tamalanrea Jl. Fax. Cayman Islands British West Indies CIMB NIAGA CARD CENTRE KANTOR PUSAT / HEAD OFFICE Gedung Griya Niaga II . 3rd floor Grand Islands. Perintis Kemerdekaan Km. 33. Mimika. 19A.3 Bintaro Jaya Sektor 7. 2 Panakkukang. Papua 99920 Tel. Fax. Komplek Ahmad Yani Mega Mall Blok A-3.15224 SALES CENTER Jakarta CIMB Niaga Gajah Mada Jl. 89 Ambon PAPUA Mimika Kuala Kencana Suite 103. : (0411) 318 718 : (0411) 317 049 : (0411) 456 284–5 : (0411) 456 286 : (0411) 811 338. Tel. Tel. : (031) 6002 2221 : (031) 356 4030 Tel. A. 102 – 104 Semarang DI YOGYAKARTA CIMB Niaga Sudirman Jl. Sisingamangaraja No.9 Tamalanrea Makassar Bandang Jl. Pontianak Selatan Pontianak SULAWESI UTARA / NORTH SULAWESI Manado Jl. Fax. Sam Ratulangi No. Makassar 90174 Panakkukang Jl. Sudirman No. 41 Medan 20151 Pekanbaru CIMB Niaga Tuanku Tambusai Jl. 62. Tanjung Pura Pontianak 78117 Mega Mall A. Ahmad Yani No. Tel.17-18 Pekanbaru Tel. Nangka Sari Blok A No. Fax. Kakatua No. 10-12 Makassar Matahari Plaza Maricaya Jl. 844 008 : (0431) 860 400 : (0431) 878 525. Melati No. Fax. Fax. Fax. Makassar 90133 Losari Jl. 841 830 : (0431) 878 527 : (0431) 888 0760 : (0431) 888 0772 : (0431) 853 901 : (0431) 853 906 Tel. Fax. Jend. 26 Makassar Ruko Global Trade Center GA 9 Jl. Bandang No. 34. Fax. Fax. Fax. Tembagapura Papua Yos Sudarso Jl. Fax. Piere Tendean (Boulevard) Manado 95122 Ranotama Jl. Yani. Veteran Selatan No.Surya Sumanti Ruko Kav 8-E Lantai 3 Bandung JAWA TENGAH / CENTRAL JAVA Semarang CIMB Niaga Pemuda Jl. Tel. Fax. Tel. Fax. Veteran Selatan No. Tembagapura Papua 99930 Tembagapura II Family Shopping Centre. Tel. Jl. Fax. Fax. 323 688 : (0901) 323 684 Tel. Fax. : (022) 2020915 : (022) 2002541 Tel. 18 LT. Dr Sam Ratulangi No. 205 Manado 95113 Jl. : (0911) 355 171 : (0911) 353 239 : (0911) 355 167 : (0911) 342 088 Tel. 2 Jakarta Pusat – 10130 CIMB Niaga. Phase III. : (1-345) 945 2003 : (1-345) 945 2004 Tel. Kuala Kencana Centre Mimika. Fax. Fax. Lantai 10 Jl. 351 286 : (0901) 351 233 : (0901) 352 333 : (0901) 352 352 Tel. Gedung SRC Jl. Tel. Fax. Manyar kertoarjo V No. Fax. : (061) 4565692 : (061) 4565774 : (0761) 572028 Ext. 137 Manado SULAWESI SELATAN / SOUTH SULAWESI Makassar Jl. 5-6.961 : (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. Calaca Manado 95121 Kompleks Ruko Mega Mas Blok 1C No. Fax. Yani Jl. : (0561) 730 101 : (0561) 730 222 : (0561) 761 212 : (0561) 761 209 Tembagapura I Single Shopping. Tel. : (0901) 412 867 : (0901) 412 867 : (0901) 323 684–6. Walanda Maramis No. : (021) 63857707 : (021) 6326701 : (021) 72796925 : (021) 72796931 Tel. Falatehan I No. Fax. Pemuda No. Tel. Jl. 7 Kebayoran Baru Jakarta 12160 JAWA BARAT / WEST JAVA Bandung CIMB Niaga Surya Sumantri Jl. KH Wahid Hasyim No. Tel. Papua 99910 LUAR NEGERI / OVERSEAS CAYMAN ISLANDS Elizabethan Square. 1. Fax. : (0431) 863 100. 29 Denpasar 80233 SUMATERA Medan CIMB Niaga Card Center Komplek Multatuli Indah Blok BB No. 8 Makassar MALUKU Ambon Ambon Jl. Raya Boulevard Ruko Rubby No. Gajahmada No.220 : (0761) 572023 336 Bank CIMB Niaga Laporan Tahunan 2009 .Tuanku Tambusai Komp. Fax. Fax. Mimika. Tel. Metro Tanjung Bunga. : (0361) 264 433 : (0361) 263 510 Tel. 50 Yogyakarta JAWA TIMUR / EAST JAVA CIMB Niaga Manyar Kertoarjo Jl.75 .Alamat Kantor Bank CIMB Niaga Bank CIMB Niaga Directories KALIMANTAN BARAT / WEST KALIMANTAN Pontianak Pontianak Lippo Graha. Wahid Hasyim Blok B4 no. Fax. Fax.77 Surabaya BALI Denpasar CIMB Niaga Melati Jl. 150. Tel. : (021) 29972400 : (021) 74863573 Tel. Tangerang .0337 : (0411) 321 903 : (0411) 321 925 : (0411) 436 960 . : (031) 5963041-42 : (031) 5963045 Tel. Fax. Fax. 96 Ambon 97127 Sam Ratulangi Jl. Tel. Tel. Papua 99930 Ridge Camp. Tel. Fax. Fax. : (0901) 351 234–5. Makassar 90233 Kakatua Jl. Tel. Fax. Tel. Mimika Tembagapura. Makassar Makassar Gowa Makassar Jl. Tel. Yos Sudarso No.

363 100 : (0341) 329 920 Tel. : (0231) 239 105 : (0231) 201 834 Jl. Tel. 20 Jakarta Selatan 12140 Gajah Mada Jl. 2 Makassar Tel. 586 5122 ext 107-108 : (021) 586 5127 : (021) 864 9125 : (021) 864 9126 : (021) 725 1465. HR Rasuna Said Kav. 750 3451 ext 201. 725 1451 : (021) 725 1446. Lembong No. Sudirman. 71. 596 4161 : (031) 594 9480 Tel. Tel. 424 1511 : (022) 423 1137. Fax. Fax. Fax. Fax. 184. Tel. 33. Fax. Metro Duta Niaga Blok 2 UA No. 122–126 : (0274) 584 440. Tel. Fax. 33 Bogor 16143 BANDUNG Tel. Fax. Fax. 34-36 Jakarta 14240 Tebet Jl. : (021) 450 0195. 15-A Jakarta 12810 Kemang Jl. Tidar No. Jakarta 12730 Metro Pondok Indah Jl. : (0271) 661 803 : (0271) 661 803 : (0271) 712 555. Jakarta 12310 Fatmawati Jl.133 : (0411) 335345 Jl. Yani Jl. : (031) 566 7223. Cikini Raya No. Fax. : (0711) 377770 : (0711) 377755 Jl. 142 Surabaya 60132 BALIKPAPAN Komp. Bulevar Raya Blok LB 3 No. Ruko Bandar Balikpapan Blok C No. Dr. 46 Bandung 40115 Jl. Fax. Jend. Fax. Tel. Fax. Raya Jemur Andayani No. Fax. : (0761) 295 65 : (0761) 298 38 : (061) 415 1100 ext. Siliwangi No. 207. Raya Darmo No. Mahakam I No. : (0341) 342 626. Magelang 56126 YOGYAKARTA Jl. 417 Purwokerto 53116 SURABAYA Jl.Introduction Key Message Planning & Strategy Financial Performance Business & Operations Report Corporate Governance Social Responsibility Shareholders’ Information Corporate Data Batam CIMB NIAGA Penuin Komp. 568 3257. 16. Juanda No. 420 9743 : (022) 202 2227 : (022) 203 8061 : (022) 426 3037 : (022) 426 3035 Tel. Manahan Solo 57139 Tel. Jend Sudirman No. Fax. Fax. Sukajadi No. Tel. Tel.132 B Palembang 30129 INDONESIA TIMUR Makassar CIMB Niaga A. Kaliurang Sekip Blok L-4 Bulaksumur Yogyakarta 55281 SOLO Jl. Gajah Mada No. 20024. : (021) 829 5579 ext 130 : (021) 829 9032 : (021) 719 93762 / 9373 : (021) 719 9279 : (021) 765 1050. : (0411) 318718 Ext. Jakarta 10330 Bintaro Jl. 201 208 : (021) 3190 9178 : (021) 745 2223 : (021) 745 2024 : (0274) 550 171 . 31. Fax. Kebon Sirih Raya No. Fax. Bandung 40111 CIREBON Jl. Fax. : (0281) 642 660 : (0281) 642 651 Tel. Adi Sucipto No. : (022) 423 1134 (D). Sultan Agung no 121 Semarang 50232 MAGELANG Jl. Klandasan Jl. 735 679 Tel. Balikpapan MALANG Jl. Yani No. Gajah Mada No. Fax. X-O Jakarta 12910 Cikini Jl. : (021) 250 5151 / 5353 ext. 21. Tel. Fax. 21083. Slamet Riyadi No. 252 2526 KUDUS Jl. 18 Jakarta 10130 Kebon Jeruk Taman Aries Blok H–I No. : (024) 850 7366 : (024) 850 7368 Tel. Sudirman NO. Tel. Ir. 5013 : (031) 566 7224 : (031) 843 4191. Tel.28 Malang 65111 MEDAN Jl. Fax. 843 2125 : (031) 843 4669 : (031) 594 9449 ext 124. Meruya Utara. Fax. Sudirman No. 26 . 33 Kebon Sirih. Kudus 59317 PURWOKERTO Jl. 15–16 Jl. Sudirman Kav. 6385 7670 ext 1600-1602 : (021) 6344 621 : (021) 586 9011. : (0293) 362 204 : (0293) 364 121 Tel. 12A . Tel. Jend. 53A Surabaya 60237 Husada Jl. Tel. 6879 : (021) 529 71792 : (021) 527 2801 : (021) 527 2806 Tel. Fax. 67–69.Pertokoan Plaza Top 100 Penuin Blok A No 11 Batam Palembang CIMB Niaga Sudirman Jl. Jend. Pajajaran (Gunung Gede) No. 28. : (021) 3190 5444 / 5551 ext.2 ext. A. Medan 20119 Tel. Fax. 550 152 Tel. Prof. Kebon Jeruk Jakarta 11620 Kalimalang Jl. Dharmahusada No. Bandung 40161 Tel. Jend. 8. Soepomo SH No. Fax. 11. Cirebon 45123 SEMARANG JARINGAN LAYANAN / NETWORK SERVICES CIMB PREFERRED JAKARTA Graha Niaga Lantai 1 Jl. 111–117. : (0291) 432 323 : (0291) 432 326 Bank CIMB Niaga Annual Report 2009 337 . Jakarta Pusat 10340 Gatot Subroto Gedung Citra Graha Lantai I Jl. Cut Mutia II. 58 Jakarta 12190 Kuningan Grand Melia Graha Surya Inter Nusa Ground Floor Perkantoran & Grand Melia Hotel Jl. : (0251) 831 3456 : (0251) 832 0845 Tel. 568 3060 ext. 14. 21084. Kemang Raya Kav. Fax. 735 679 : (0271) 711 565. Jend. 208 : (021) 458 43914. Bintaro Jaya Sektor VII (Gedung Bundar CIMB Niaga) Tangerang 15224 Kelapa Gading Jl. 414 4866 : (061) 452 4664 Tel. Fax. Tel. 6874. Tel.14. Jakarta 13450 Mahakam Hotel Grand Mahakam Jl. Fax. Lt. Tel. Gatot Subroto Kav 35-36 Jakarta Selatan 12950 Tel. Fax. Jl. Surabaya 60264 Tel. 2 Kalimalang. 255 C-D Pekanbaru 28111 Tel.202 . Fax. Fax. : (0778) 432000 : (0778) 450 501 BOGOR Jl. H. Fax. 6344 657. Fax. Tel. 520 5690 ext. 766 6379 : (021) 765 1082 : (021) 765 6523 ext 1003 : (021) 759 08522 : (021) 6385 7570. Ahmad Yani No. PEKANBARU Jl. 1. 21046 : (021) 252 1468. : (0542) 739 200 : (0542) 739 201 Tel. Fax. Fax. Jakarta 12130 Kebon Sirih Jl. 110. Fax. 7. Tarum Barat Blok Q No. Tel. Basuki Rachmat No. 725 1451 : (021) 230 1179 : (021) 230 0918 : (021) 520 5670. Solo 57111 Jl. Fax. Fatmawati No. 458 3914 ext.

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

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

390 0645 Fax. Penetapan besarnya gaji/ honorarium dan tunjangan lain bagi Dewan Komisaris dan Direksi Perseroan. Rasuna Said Kav.00 WIB Bertempat di The Financial Hall Graha Niaga. Johar No. (62 21) 521 2901 Fax. 58 Jakarta 12190.00 . 7.16. 314 0185 Rapat Umum Pemegang Saham Tahunan PT Bank CIMB Niaga Tbk Kamis. Penetapan penggunaan laba Perseroan untuk tahun buku yang berakhir pada tanggal 31 Desember 2009.00 . Jend. Jl. 2. 25 March 2010 Starting at 14. 2nd Floor Jl. Akuntan Publik KAP Haryanto Sahari & Rekan Gedung PricewaterhouseCooper Jl. X-7 No. 340 Bank CIMB Niaga Laporan Tahunan 2009 . dan Dewan Pengawas Syariah Perseroan. Penunjukkan Akuntan Publik Perseroan untuk tahun buku 2010 dan penetapan honorarium serta persyaratan lain berkenaan dengan penunjukkan tersebut. Appointment of the Company’s Public Accountant for the 2010 financial year. and Sharia Supervisory Board of the Company.16. (62 21) 390 0652. (62 21) 521 2901 Fax.00 West Indonesia Time Located in the Financial Hall Graha Niaga. 6 Jakarta 12940 Tel. Menteng Central Jakarta Tel. Determination of salaries/honorarium and other allowances for the Board of Commissioners and the Directors of the Company. 5. (62 21) 390 0652. Persetujuan atas Laporan Tahunan Perseroan dan pengesahan Laporan Keuangan Perseroan untuk tahun buku yang berakhir pada tanggal 31 Desember 2009. Menteng Jakarta Pusat Tel. 5290 5050 Biro Administrasi Efek PT Sirca Datapro Perdana Wisma Sirca. (62 21) 390 0652. (62 21) 5290 5555. 314 0032. The appointment of Management. 2. 5. 314 0032. 58 Jakarta 12190. 3. Pengangkatan Pengurus. Rasuna Said Kav. Sudirman Kav. Indonesia Agenda RUPS adalah sebagai berikut: 1. Jl. 4. Jend. Lantai 2 Jl.Informasi Tambahan Additional Information Bursa Efek Saham PT Bank Niaga Tbk (kode BNGA) dicatat dan diperdagangkan pada Bursa Efek Indonesia (BEI). 18. Approval of the Company’s Annual Report and ratification of the Company’s consolidated Financial Statements for the year ended 31 December 2009. (62 21) 390 0652. 314 0185 Annual General Meeting of Shareholders PT Bank CIMB Niaga Tbk Thursday. Others: Report of Audit Committee Members of the Company. and determination of its honorarium and other conditions related to the appointment. 4. 3. X-7 No. Lain-lain: Laporan susunan Komite Audit Perseroan. (62 21) 5290 5555. Johar No. Determination of the Company’s profit for the year ended 31 December 2009. 18. 25 Maret 2010 Pukul 14. Independent Public Accountants KAP Haryanto Sahari & Rekan PricewaterhouseCooper Building Jl. 390 0645 Fax. 6 Jakarta 12940 Tel. Sudirman Kav. 6. Stock Exchange The common stock of PT Bank Niaga Tbk (trading symbol BNGA) is listed on Indonesia Stock Exchange (IDX). Indonesia Agenda is as follows: 1. 5290 5050 Share Registrar PT Sirca Datapro Perdana Wisma Sirca.