18. corp datax

Data PerusahaanCorporate Data

Bank Niaga Annual Report 2005

INDEX

ii.

Bank Niaga Laporan Tahunan 2005

Dr. Rozali Mohamed Ali – Presiden KomisarisPresiden Komisaris PT Bank Niaga Tbk sejak Nopember 2002. Pada bulan September 2004 Dr. Rozali ditunjuk sebagai Group Executive Director/ CEO Commerce Asset-Holding Berhad (sekarang BCHB Grup). Di samping itu, Beliau juga menjabat sebagai Managing Director/ Chief Executive Officer di Bumiputra-Commerce Bank Berhad sejak tahun 2000 hingga 2004. Beliau menjabat sebagai Direktur Eksekutif di BCHB Grup sejak Januari 1996. Beliau juga menjabat Chairman di Commerce International Merchant Bankers Berhad (CIMB). Dari tahun 1990 hingga 1995, beliau menjabat sebagai Assistant Director General di Institute of Strategic and International Studies (ISIS), Malaysia dan Direktur di Centre for Environmental Studies. Sejak tahun 1970 hingga 1990, beliau menjabat berbagai posisi senior di bidang teknik, operasional, perencanaan, penelitian dan administrasi di National Electricity Board Malaysia.

Saat ini, Dr. Rozali juga menjabat sebagai Komisaris di Malaysian Energy Commission, serta sebagai Chairman di Association of Banks Malaysia. Beliau juga menduduki jabatan dalam Asia-Pacific Advisory Council di INSEAD dan anggota Dewan International Centre for Leadership in Finance (ICLIF).

Dr. Rozali meraih gelar BSc. di bidang Mechanical Engineering dari Brighton Polytechnic, Inggris, gelar MSc. di bidang Thermal Power Engineering, sekaligus gelar PhD di bidang Electric Power System Planning dari the Imperial College of Science and Technology, University of London.

Dr. Rozali Mohamed Ali – President CommissionerPresident Commissioner of PT Bank Niaga Tbk since November 2002. On September 2004, Dr. Rozali was appointed Group Executive Director/ CEO of Commerce Asset-Holding Berhad (subsequently BCHB Group). He was Managing Director/ Chief Executive of Bumiputra-Commerce Bank Berhad from 2000 until 2004. He has been a Director at BCHB Group since January 1996. Concurrently he is Chairman of Commerce International Merchant Bankers Berhad (CIMB). From 1990 to 1995 he served as Assistant Director General of the Institute of Strategic and International Studies (ISIS), Malaysia and Director of the Centre for Environmental Studies. From 1970 to 1990 he held various senior positions at the National Electricity Board of Malaysia in engineering, operations, planning, research and administration.

Today Dr. Rozali also serves as a Commissioner at the Malaysian Energy Commission, as well as Chairman of the Association of Malaysian Banks. He also serves on the Asia-Pacific Advisory Council of INSEAD and on the Board of the International Centre for Leadership in Finance (ICLIF).

Dr. Rozali holds BSc. in Mechanical Engineering from Brighton Polytechnic, UK, MSc. in Thermal Power Engineering and PhD in Electric Power System Planning from The Imperial College of Science and Technology, University of London.

Dr. Rozali Mohamed AliPresiden KomisarisPresident Commissioner

Dewan KomisarisBoard of Commissioners

INDEX

Dato’ Halim Muhamat – KomisarisSejak bulan Nopember 2002 menjabat Komisaris PT Bank Niaga Tbk. Sebelum menjabat sebagai Group Corporate Advisor di Commerce-Asset Holding Berhad (sekarang BCHB) sejak Pebruari 2004, beliau adalah Executive Director/Chief Operating Officer di Bumiputra-Commerce Bank Berhad. Selama tiga puluh tahun beliau bergabung dan menjabat berbagai posisi di Bank Bumiputra Malaysia Berhad.

Dato’ Halim Muhamat – CommissionerCommissioner of PT Bank Niaga Tbk since November 2002. He was the Executive Director/ Chief Operating Officer of Bumiputra-Commerce Bank Berhad, prior to his appointment since February 2004 as Group Corporate Advisor at Commerce Asset-Holding Berhad (now BCHB). Previously he held various positions at Bank Bumiputra Malaysia Berhad in a career which spanned over 30 years.

Dato’ Halim Muhamat

KomisarisCommissioner

iii.


Gunarni Soeworo – Wakil Presiden Komisaris (Independen)Sejak bulan Juni 2000 menjabat sebagai Wakil Presiden Komisaris PT Bank Niaga Tbk. Sejak 1987 beliau menjabat sejumlah posisi manajemen senior di Bank Niaga hingga mencapai puncak karier sebagai Presiden Direktur dari Juni 1994 hingga Maret 1999, ketika beliau diangkat menjadi anggota Dewan Komisaris. Status beliau sebagai Komisaris Independen memenuhi peraturan yaitu tidak menjabat di Bank Niaga untuk posisi manajemen pada 5 tahun terakhir.

Beliau juga menjabat sebagai Komisaris di PT Bank Mandiri Tbk, Ketua Dewan Penasihat Perhimpunan Bank Nasional (Perbanas) dan anggota Dewan Asosiasi Bankir Indonesia. Beliau juga pernah menjabat sebagai Ketua Kompartemen Perbankan Kadin Indonesia dan Wakil Ketua Komite Nasional Kebijakan Corporate Governance (KNKCG).

Gunarni Soeworo – Vice President Commissioner (Independent)Vice President Commissioner of PT Bank Niaga Tbk since June 2000. Since 1987 Ms Gunarni Soeworo has held a number of senior management positions in her career at Bank Niaga culminating in serving as President Director from June 1994 to March 1999, at which point she joined the Board of Commissioners. Her status as Independent Commissioner meets the requirement of not having served at Bank Niaga in a full time management role during the last 5 years.

Ms. Soeworo serves as a Commissioner at PT Bank Mandiri Tbk, Head of the Advisory Board National Private Sector Bank Association Counselors (Perbanas) and member of Advisory Board of the Indonesian Bankers’ Association. Ms. Soeworo was former Chairperson of the Banking Compartment of the Indonesian Chamber of Trade and Commerce (Kadin Indonesia) and Vice Chairperson of National Committee for Corporate Governance (NCCG).

Gunarni SoeworoWakil Presiden KomisarisVice President Commissioner

INDEX

Datuk Hamzah Bakar – Komisaris (Independen)Sejak bulan Nopember 2002 menjabat sebagai Komisaris PT Bank Niaga Tbk. Saat ini beliau menjabat sebagai Presiden Komisaris SapuraCrest Petroleum Berhad (sebelumnya Crest Petroleum Berhad), Komisaris di Commerce International Merchant Bankers Berhad, Komisaris di UEM World Berhad dan Komisaris di Scomi Group Berhad. Sebelumnya beliau menjabat berbagai posisi senior dan Direksi di Petronas. Beliau memperoleh gelar BSc (hons) di bidang ekonomi dan gelar MA di bidang Public Policy and Administration dari University of Wisconsin.

Datuk Hamzah Bakar – Commissioner (Independent)Commissioner of PT Bank Niaga Tbk since November 2002. He concurrently serves as President Commissioner of SapuraCrest Petroleum Berhad (formerly known as Crest Petroleum Berhad), Commissioner of Commerce of International Merchant Bankers Berhad, Commissioner of UEM World Berhad and Commissioner of Scomi Group Berhad. Prior to this he served in Petronas where he held a number of senior executive and board positions. He holds a B.Sc.(hons) degree in economics and an MA in Public Policy and Administration from the University of Wisconscin.Datuk Hamzah Bakar


iv.



Sigid Moerkardjono – Komisaris (Independen)Sejak bulan Juni 2000 menjabat sebagai Komisaris PT Bank Niaga Tbk. Sebelumnya menjabat sebagai Direktur Kepatuhan (Maret 1999 – Juni 2000), Kepala Satuan Kerja Audit Intern (SKAI) - Comptroller (Pebruari 1999 – Maret 1999) . Sebelum menjabat anggota Direksi tahun 1999, sejak mulai bergabung dengan Bank Niaga pada 1976, beliau sudah memegang berbagai posisi senior di Bank Niaga termasuk Head of Internal Audit (Comptroller), Area Manager dan Pimpinan Cabang. Status beliau sebagai Komisaris Independen memenuhi peraturan yaitu tidak menjabat di Bank Niaga untuk posisi manajemen pada 5 tahun terakhir.

Sigid Moerkardjono – Commissioner (Independent)Commissioner of PT Bank Niaga Tbk since June 2000. Formerly served as Compliance Director (March 1999 – June 2000) and Comptroller (February 1999 – March 1999). Before he joined the Board of Directors in 1999, Mr. Moerkardjono served since 1976 in a variety of senior positions at the bank including Head of Internal Audit (Comptroller), Area Manager and Branch Manager. His status as Independent Commissioner meets the requirement of not having served at Bank Niaga in a full time management role during the last 5 years.

Sigid Moerkardjono


INDEX

Ananda Barata


Ananda Barata – Komisaris (Independen)Sejak bulan Desember 2003 menjabat Komisaris PT Bank Niaga Tbk. Saat ini beliau menjabat sebagai Direktur PT Perusahaan Pengelola Aset (PPA) (Persero), perusahaan pengelola aset milik Negara. Sebelumnya beliau menjabat berbagai posisi eksekutif termasuk di Badan Penyehatan Perbankan Nasional (BPPN), PT Bank Universal, PT Bank Nusa Nasional dan The Chase Manhattan Bank, Jakarta. Memperoleh gelar BSBA di bidang keuangan dari American University, Washington DC, Amerika Serikat.

Ananda Barata – Commissioner (Independent)Commissioner of PT Bank Niaga Tbk since December 2003. He is currently serving as Director at PT. Perusahaan Pengelola Aset (PPA) (Persero), a state owned asset management company. Various executive positions were held prior to this, including those at the Indonesian Bank Restructuring Agency (IBRA), PT. Bank Universal, PT. Bank Nusa Nasional, and The Chase Manhattan Bank, Jakarta. He holds BSBA degree in Finance from the American University, Washington DC, USA.

v.


Dr. Roslan A. Ghaffar – KomisarisSejak bulan Agustus 2004 menjabat Komisaris PT Bank Niaga Tbk. Saat ini Beliau menjabat sebagai Deputi CEO (Investments) Employee Provident Fund (EPF) Malaysia. Sebelumnya Beliau juga menjadi Guru Besar tamu di University of Kentucky, USA dan Associate Professor di University Putra Malaysia. Memperoleh gelar PhD dari University of Kentucky, Lexington, USA.

Dr. Roslan A. Ghaffar – CommissionerCommissioner of PT Bank Niaga Tbk since August 2004. Currently he serves as Deputy Chief Executive Officer (Investments) of the Malaysian Employees Provident Fund (EPF). Prior to this he was visiting Professor at University of Kentucky, USA and Associate Professor at University Putra Malaysia. He holds PhD from the University of Kentucky, Lexington, USA.

Dr. Roslan A. Ghaffar


INDEX

Prof. Dr. Roy Hendra Michael Sembel – Komisaris (Independen)(Berlaku efektif sejak diperolehnya persetujuan dari Bank Indonesia pada 19 Desember 2005) Sejak bulan Desember 2005 menjabat sebagai Komisaris PT Bank Niaga Tbk. Saat ini beliau menjabat sebagai Direktur Program Magister Manajemen Keuangan Universitas Bina Nusantara. Beliau menyelesaikan gelar sarjananya di Institut Pertanian Bogor (IPB), memperoleh gelar MBA di bidang Finance and Banking dari Erasmus University Rotterdam dan University of Pennsylvania Philadelphia, serta PhD di bidang Corporate Finance and Econometrics dari University of Pittsburgh, USA. Beliau pernah bekerja di ABN Amro Bank Amsterdam dan McKinsey & Co. Financial Institution Group (FIG) Practice, Jakarta. Pada bulan Mei 2005 beliau memperoleh gelar Guru Besar di bidang Ekonomi Keuangan.

Prof. Roy Hendra Michael Sembel, Ph.D. – Commissioner (Independent)(Officially effective since Bank Indonesia’s approval on December 19, 2005)Commissioner of PT Bank Niaga Tbk since December 2005. He is the Programme Director of Bina Nusantara University’s MBA programme in Finance. Mr. Sembel earned his Bachelor degree from Bogor Agricultural University (IPB), an MBA in Finance and Banking from Erasmus University Rotterdam and the University of Pennsylvania Philadelphia and a PhD in Corporate Finance and Econometrics from the University of Pittsburgh, USA. His previous employers include ABN Amro Bank Amsterdam and McKinsey & Co Financial Institution Group (FIG) Practice, Jakarta. In May 2005, he was granted Professorship in Financial Economics.

Prof. Roy Hendra Michael Sembel, PhD


vi.



INDEX

vii.


1

2 3 45

6

1. Peter B. Stok – Presiden Direktur

2. Tay Un Soo – Direktur

3. V. Catherinawati Hadiman – Direktur

4. Daniel James Rompas – Direktur

5. C. Heru Budiargo – Direktur

6. Hashemi Albakri –Wakil Presiden Direktur

DireksiBoard of Directors

INDEX

viii.


Peter B. Stok

Presiden DirekturPresident Director

Peter B. Stok – Presiden DirekturPresiden Direktur PT Bank Niaga Tbk sejak Juni 2000 dan Wakil Presiden Direktur dari tahun 1994 hingga 1997. Selama periode 1998 hingga 2000, beliau menduduki berbagai jabatan yaitu Executive Vice President PT Bank Mandiri (Persero), Direktur Utama PT Bank Dagang Negara (Persero), Direktur Utama Aerowisata. Sebelumnya beliau pernah menjabat sebagai Komisaris PT Aerowisata, Komisaris Utama PT Bank Danamon Tbk, Komisaris PT Niaga Aset Manajemen dan Komisaris PT Saseka Gelora Finance.

Tugas utama: Menetapkan arah dan strategi jangka panjang bisnis perusahaan, menetapkan strategi pemasaran yang tepat disertai dengan pengembangan produk/jasa sesuai tuntutan dan kebutuhan pasar yang meliputi seluruh segmen bisnis perusahaan yaitu Perbankan Konsumer, Bisnis, UKM, Korporasi, Syariah dan segmentasi bisnis lainnya. Selain itu memberikan arahan dan petunjuk atas seluruh kebijakan bidang pendukung operasional dan layanan perbankan, teknologi informasi, sistem dan prosedur, aspek hukum, aspek finansial dan sumber daya manusia serta menjamin pelaksanaan fungsi kepatuhan pada seluruh operasional perbankan dalam rangka menciptakan perusahaan yang mempunyai standar etika tinggi, mematuhi Tata Kelola Perusahaan dan praktik Prudential Banking.

Peter B. Stok - President DirectorPresident Director of PT Bank Niaga Tbk since June 2000 and Vice President Director from 1994 to 1997. During the period 1998 to 2000, he held a number of positions including Executive Vice President PT Bank Mandiri (Persero), President Director of PT Bank Dagang Negara (Persero) and President Director of PT Aerowisata. Other positions held in the past include Commissioner of PT Aerowisata, President Commissioner of PT Bank Danamon Tbk, Commissioner of PT Niaga Asset Management and Commissioner of PT Saseka Gelora Finance.

Main role: Sets the company’s direction and long-term business strategies; determines appropriate marketing strategies which include development of goods/services to meet market demand and needs within the company’s business segments: Consumer Banking, Business Banking, Small Medium Enterprise, Corporate Banking, Syariah Banking and other business segments. Other roles assumed by the CEO include drawing up direction and guidelines for all policies on operational support and banking services, information technology, systems and procedures, legal aspects, finance and human resources as well as ensuring compliance of overall banking operations in order to establish a company that has high ethical standards and follows the principles of Good Corporate Governance and Prudential Banking practices.


INDEX

ix.


Hashemi Albakri

Wakil Presiden Direktur Vice President Director

Hashemi Albakri – Wakil Presiden Direktur merangkap sebagai Head of Consumer Banking SalesWakil Presiden Direktur PT Bank Niaga Tbk sejak Nopember 2002. Beliau pernah menjabat sebagai Direktur South East Asia Bank, Ltd., Direktur Bumiputra-Commerce Bank (BCB) International Trust (Labuan) Ltd., Direktur Bumiputra-Commerce Bank (Labuan) Ltd., Executive Vice President dan Head of Corporate dan Institutional Banking di Bumiputra-Commerce Bank Berhad. Selama 2 tahun beliau juga bekerja sebagai Account Manager di Cedar Holdings Ltd. Bankers di London. Sebelum berkarir di bidang perbankan, beliau menyelesaikan kualifikasi dalam bidang hukum di Hudgell Yeates & Co. dan Arbeid & Co.

Tugas utama: Membantu CEO dalam menetapkan arah serta strategi jangka panjang untuk pengembangan bisnis perusahaan, menetapkan strategi pemasaran yang tepat disertai dengan pengembangan produk/jasa sesuai tuntutan dan kebutuhan pasar yang meliputi seluruh segmen bisnis perusahaan yaitu Perbankan Konsumer, bisnis, UKM, Korporasi, Syariah dan segmentasi bisnis lainnya. Serta membantu dalam memberikan arahan dan petunjuk atas seluruh kebijakan bidang pendukung operasional dan layanan perbankan, teknologi informasi, sistem & prosedur aspek hukum, aspek finansial dan sumber daya manusia serta menjamin pelaksanaan fungsi kepatuhan pada seluruh operasional perbankan dalam rangka menciptakan perusahaan yang mempunyai standar etika tinggi, mematuhi Tata Kelola Perusahaan dan praktik Prudential Banking.Menentukan arah & strategi yang tepat dalam bidang pemasaran serta pengembangan produk & jasa perbankan khususnya pada segmen bisnis Perbankan Konsumer dan mengarahkan pencapaian target funding maupun lending serta pengembangan cross selling yang terpadu guna mencapai target pertumbuhan, keuntungan dan posisi yang senantiasa kompetitif di pasar.

Hashemi Albakri - Vice President Director concurrently serves as Head of Consumer Banking SalesVice President Director PT Bank Niaga Tbk since November 2002. His former positions include Director of South East Asia Bank, Ltd., Director of Bumiputra–Commerce Bank (BCB) International Trust (Labuan) Ltd., Director of Bumiputra-Commerce Bank (Labuan) Ltd., Executive Vice President and Head of Corporate and Institutional Banking at Bumiputra-Commerce Bank Berhad. He also served 2 years as an Account Manager with Cedar Holdings Ltd. Bankers in London. Prior to his career in banking he completed his articles at law firms Hudgell Yeates & Co. and Arbeid & Co.

Main role: Assists the CEO in setting the company’s direction and long-term strategies for business development purposes and decides on appropriate marketing strategies which include development of goods/services to meet market demand and needs within the company’s business segments: Consumer Banking, Business Banking, Small Medium Enterprise, Corporate Banking, Syariah Banking and other business segments. Other roles assumed by the Vice CEO include drawing up direction and guidelines for all policies on operational support and banking services, information technology, systems and procedures, legal aspects, finance and human resources as well as ensuring compliance of overall banking operations in order to establish a company that has high ethical standards and follows the principles of Good Corporate Governance and Prudential Banking practices.Determines proper direction and strategies for marketing and development of products and services particularly of the Consumer Banking segment; guides overall achievement of funding and lending targets and develops integrated cross-selling efforts to achieve the company’s target for growth, profit and consistently competitive market position.

INDEX

x.


C. Heru Budiargo

Direktur/Director Compliance & Risk Management

C. Heru Budiargo – DirekturDirektur Compliance & Risk Management PT Bank Niaga Tbk. Beliau menjabat berbagai posisi manajemen senior sejak bergabung dengan PT Bank Niaga Tbk pada tahun 1977, antara lain Corporate Affairs Head, Human Resources Group Head, Comptroller, dan Quality Assurance & Audit Group Head serta berbagai posisi dalam fungsi-fungsi manajemen Cabang dan Kredit.

Tugas utama: Pengelolaan risiko Perusahaan serta memastikan fungsi-fungsi yang dikelola oleh seluruh unit Perusahaan memiliki manajemen risiko yang baik dan dapat diandalkan serta senantiasa menerapkan prinsip kehati-hatian (prudential banking) dalam menjalankan Perusahaan; memberikan arahan dan menetapkan kebijakan terkait dengan pelaksanaan Standar Etika dan Tata Kelola Perusahaan serta memastikan seluruh regulasi (kebijakan, sistem dan prosedur) intern Bank tunduk dan selaras dengan peraturan dan regulasi ekstern yang terkait (Bank Indonesia dan lembaga/otoritas keuangan lainnya); perencanaan, pengelolaan serta pengembangan Sumber Daya Manusia guna memastikan kualitas Sumber Daya Manusia sebagai Human Capital Perusahaan secara keseluruhan dan berkesinambungan dapat mendukung pertumbuhan dan perkembangan bisnis yang optimal.

C. Heru Budiargo - DirectorCompliance and Risk Management Director of PT Bank Niaga Tbk. He has held a number of senior management positions since joining the bank in 1977 and these include Corporate Affairs Head, Human Resources Group Head, Comptroller, and Quality Assurance & Audit Group Head, Branch Management and Credit Management in various sub functions.

Main role: Responsible for managing corporate risks and ensuring that all functions under corporate units are reliable and apply sound risk management and prudential banking principles; provides strategic direction, draws up policies on the implementation of Ethical Standards and Good Corporate Governance, and ensures that all bank’s internal regulations (policies, systems and procedures) are in compliance and in line with related external rules and regulations (of Bank Indonesia and other monetary institutions/authorities). Planning, managing and developing human resources to ensure that their overall and sustained quality in the company’s human capital can support optimum business development and growth.


INDEX

Tay Un Soo

Direktur/ DirectorFinance & Corporate Planning

Tay Un Soo – DirekturDirektur Finance & Corporate Planning di PT Bank Niaga Tbk, sejak Nopember 2002. Beliau adalah Certified Public Accountant (Malaysia) dan Certified Internal Auditor. Mengawali karirnya di Price Waterhouse pada tahun 1975. Kemudian beliau menduduki berbagai posisi manajemen pada management consulting dan auditing sebelum bergabung dengan Bank of Commerce Berhad yang selanjutnya dikenal sebagai Commerce Asset–Holding Berhad sebagai Group Chief Internal Auditor di Bumiputra–Commerce Bank. Beliau menjabat sebagai ketua dalam profesi intern audit, sebelumnya menjabat sebagai President of Information System Audit & Control Association (Malaysia Chapter), Chairperson of Chief Internal Auditor Networking Group (IBBM) dan Vice President Institute of Internal Auditors Malaysia. Mengikuti Wharton - NUS Banking Programme pada tahun 1997 dan Harvard Business School Executive Programme pada tahun 2004.

Tugas utama: Membantu CEO dengan secara proaktif menggerakkan strategi perusahaan, model bisnis dan manajemen proyek dalam menciptakan nilai bagi pemegang saham. Mengelola sistem kinerja manajemen dan informasi kinerja perusahaan untuk menciptakan organisasi yang responsif serta meningkatkan kinerja pengawasan dan layanan. Mengatur fungsi Komite Asset & Liabilities (ALCO) untuk mengoptimalkan imbal hasil aset (ROA) dan imbal hasil ekuitas (ROE). Selain itu juga mengelola pengawasan dan manajemen finansial yang efektif serta risiko hukum.

Tay Un Soo - DirectorFinance & Corporate Planning Director of PT Bank Niaga Tbk, since November 2002. A Certified Public Accountant (Malaysia) and Certified Internal Auditor, he began his career at Price Waterhouse in 1975. He then held a series of management positions in management consulting and auditing before joining Bank of Commerce Berhad later known as Commerce Asset–Holding Berhad as the Group Chief Internal Auditor operating out of Bumiputra-Commerce Bank. A leader in the internal auditing profession, he was the past President of Information System Audit & Control Association (Malaysia Chapter), Chairperson of Chief Internal Auditor Networking Group (IBBM), and Vice President, Institute of Internal Auditors, Malaysia. Attended Wharton - NUS Banking Programme in 1997 and Harvard Business School Executive Programme in 2004.

Main role: Proactive driving corporate strategy, business model and project management office in supporting the CEO in creating shareholder value. Managing performance management system and enterprise performance information to create a responsive organisation and enhances performance monitoring and service.Managing the ALCO function to optimise return on assets and return on equity as well as managing effective financial management and control and managing legal risk.

xi.


INDEX

Daniel James Rompas

Direktur/ DirectorBusiness Banking

Daniel James Rompas – DirekturDirektur Business Banking PT Bank Niaga Tbk sejak Nopember 2002. Beliau menjabat sebagai Direktur sejak tahun 1999 dan menduduki berbagai posisi senior antara lain Direktur Commercial Banking, Anggota Tim Manajemen, Special Asset Management Group Head, Corporate Banking Group Head dan Merchant Banking Group Head.

Tugas utama: Menentukan arah dan strategi yang tepat dalam bidang pemasaran dan pengembangan produk dan jasa khususnya pada segmen Perbankan Bisnis dan UKM dan mengarahkan pencapaian target funding maupun lending dan pengembangan cross selling yang terpadu guna mencapai target pertumbuhan, keuntungan dan posisi yang kompetitif di pasar.

Daniel James Rompas - DirectorBusiness Banking Director of PT Bank Niaga Tbk since November 2002. He has been a Director since 1999 and held senior positions including Commercial Banking Director, Member of the Management Team, Special Asset Management Group Head, Corporate Banking Group Head, and Merchant Banking Group Head.

Main role: Determines proper direction and strategies for marketing and development of products and services particularly of the Business Banking and Small Medium Enterprise segments; guides overall achievement of funding and lending targets and develops integrated cross-selling efforts to achieve the company’s target for growth, profit and consistently competitive market position.

V. Catherinawati Hadiman Direktur/ DirectorCorporate Banking

V. Catherinawati Hadiman – DirekturDirektur Corporate Banking PT Bank Niaga Tbk sejak Nopember 2002. Beliau menduduki berbagai posisi senior di PT Bank Niaga Tbk antara lain Head of Corporate Banking, Treasury Management Group Head, Direktur PT Niaga Management Company dan Niaga Finance Company Hong Kong. Sebelumnya beliau sebagai auditor di KPMG Hanadi Sudjendro.

Tugas utama: Memberikan arahan dan strategi yang tepat dalam bidang pemasaran dan pengembangan produk dan jasa khususnya pada segmen bisnis Corporate Banking yang meliputi bisnis usaha korporasi, pengelolaan dan restrukturisasi special asset, pengelolaan dan perdagangan trade finance pengelolaan dana bank (treasury), financial institution dan investment service, dalam rangka pencapaian target pertumbuhan serta laba dan keuntungan yang optimal bagi Perusahaan.

V. Catherinawati Hadiman - DirectorCorporate Banking Director of PT Bank Niaga Tbk since November 2002. Her senior career positions at PT Bank Niaga Tbk include Head of Corporate Banking, Treasury Management Group Head, Director of PT Niaga Management Company and Niaga Finance Company, Hong Kong. She was formerly an auditor at KPMG Hanadi Sudjendro.

Main role: Determines proper direction and strategies for marketing and development of products and services particularly of the Corporate Banking business segment including corporate business, special asset management and restructuring, sale and management of trade finance, treasury, financial institution and investment services, in order to achieve the company’s optimum target for growth, profit and benefits.


xii.


INDEX

xiii.

Andi Mohammad Hatta – Direktur(Mengundurkan diri sejak 25 Agustus 2005)Direktur Information Technology & System PT Bank Niaga Tbk sejak November 2002. Jabatan yang pernah dipegang di PT Bank Niaga Tbk sejak 1993 adalah Wakil Presiden Direktur, Anggota Tim Manajemen, Direktur Individual Banking, Direktur Operations & Information Technology dan Comptroller (Kepala Satuan Audit Intern). Beliau telah berkarir di Bank Niaga selama lebih dari 30 tahun. Mengikuti Advanced Management Programme di Wharton School, University of Pennsylvania pada tahun 1991, Advanced Management Programme di INSEAD pada tahun 1993 dan Harvard Business School Executive Programme pada tahun 2003.

Tugas utama: Memberikan arahan strategis dalam perencanaan dan pengembangan sistem teknologi informasi serta reengineering proses operasional perbankan, pengelolaan electronic banking dan fasilitas pendukung kegiatan operasional perbankan, pengelolaan electronic banking termasuk menentukan prioritas dan kebijakan dari fungsi-fungsi yang dikelola untuk menjamin aplikabilitas, reliabilitas dan layanan operasional dan teknologi informasi yang berkualitas, berdaya guna serta memastikan kontribusi yang optimal dalam mendukung kebutuhan dan kegiatan operasional Perusahaan.

Andi Mohammad Hatta – Director(Resigned as of 25th August 2005)Information Technology and System Director of PT Bank Niaga Tbk since November 2002. Positions held at PT Bank Niaga Tbk since 1993 include Vice President Director, Member of the Management Team, Director of Individual Banking, Director of Operations & Information Technology and Comptroller. His career with Bank Niaga covered over 30 years in the bank’s development. Attended Advanced Management Programme in the Wharton School, University of Pennsylvania in 1991, Advanced Management Programme of INSEAD in 1993 and Harvard Business School Executive Programme in 2003.

Main role: Provided strategic direction in the development of information technology; planning and reengineering banking operations; management of banking operation support facilities and electronic banking, as well as setting the priority and policies of the functions under his responsibility to ensure applicability and reliability of quality and efficient operational services and information technology that can guarantee optimum contribution in support of the company’s needs and activities.

Andi Mohammad Hatta

Direktur/ DirectorIT & System


INDEX

1. Agos Cholan – Head of Subsidiary & Affiliates Management

2. Bambang Ratmanto - Satuan Pengawas Intern

3. Lynna A. Muliawan – Head of Consumer Banking Development

4. Paul S. Hasjim – Head of IT & System

5. Yosef Antonius Boliona Badilangoe – Head of Network & Services

xiv.


1 23 4 5

Pejabat Senior EksekutifBoard of Senior Executives

INDEX

xv.


Lynna A. Muliawan – Head of Consumer Banking Development Ditunjuk sebagai Head of Consumer Banking Development. Beliau bergabung di Bank Niaga sejak 1995 dan memegang beberapa posisi dari Koordinator Preferred Circle, Private Banking Group Head, Jakarta Individual Banking Area Manager hingga Head of Consumer Banking Development. Sebelumnya beliau pernah menjabat sebagai Manajer Pemasaran di Bank American Express, Jakarta.

Tugas utama: Menentukan arah dan strategi yang tepat dalam inovasi dan pengembangan produk dan jasa perbankan melalui metode penelitian dan analisis pasar yang mendalam untuk menjamin produk dan jasa yang dihasilkan sesuai dengan perkembangan dan tuntutan teknologi, kebutuhan nasabah serta pencapaian market share yang senantiasa kompetitif di pasar.

Yosef Antonius Boliona Badilangoe – Head of Network & ServicesDitunjuk sebagai Head of Network & Services. Beliau bergabung di Bank Niaga sejak tahun 1985 dan menjabat berbagai posisi termasuk Head of Network and Services pada tahun 2004. Lulusan dari Fakultas Ekonomi, Universitas Gajah Mada, Yogyakarta.

Tugas utama: Memberikan arahan strategis khususnya dalam hal pengembangan pelayanan di seluruh cabang/ kios/ service point, pengelolaan proses operasi dan administrasi, pengelolaan data nasabah dan pengembangan jaringan serta delivery channel termasuk di dalamnya menentukan prioritas dan kebijakan dari fungsi yang dikelola. Hal ini bertujuan untuk menjamin aplikabilitas, reliabilitas dan layanan operasional berkualitas serta memastikan kontribusi optimal dalam mendukung kebutuhan dan kegiatan operasional Perusahaan.

Bambang Ratmanto - Satuan Pengawas Intern Ditunjuk sebagai Kepala Satuan Pengawas Intern Bank Niaga pada tahun 2001. Beliau memiliki pengalaman dengan Bank Niaga sejak tahun 1985. Lulusan dari Fakultas Ekonomi, Universitas Gajah Mada, Yogyakarta.

Tugas utama: Membantu CEO dan Komite Audit dalam melaksanakan fungsi audit, memberikan masukan dan rekomendasi kepada manajemen dan unit kerja terkait atas hasil temuan yang diperoleh, membantu Direksi untuk memastikan pengelolaan Bank dilakukan secara aman dan sehat yang tercermin dari efektivitas pengelolaan risiko, internal control system dan Tata Kelola Perusahaan. Bertanggung jawab dalam pengembangan kebijakan dan prosedur terkait fungsi audit secara bankwide yang melingkupi risk asset, operation, system dan information technology, treasury dan fungsi lain sesuai kebutuhan.

Lynna A. Muliawan – Head of Consumer Banking DevelopmentAppointed as Head of Consumer Banking Development. She joined Bank Niaga since 1995 and held various positions from Preferred Circle Coordinator, Private Banking Group Head, Jakarta Individual Banking Area Manager to Head of Consumer Banking Development. Previously she was a Marketing Manager of American Express Bank, Jakarta.

Main role: Determines proper direction and strategies for innovation and development of banking products and services using extensive research methodology and market analysis to ensure that the resulting products and services are in line with today’s technological development and requirements, and meet customers’ needs. She is also responsible for gaining consistently competitive market share.

Yosef Antonius Boliona Badilangoe – Head of Network & Services Appointed as Head of Network & Services. He served Bank Niaga since 1985 and held several positions including Head of Network and Services in 2004. He graduated from Faculty of Economics, Gajah Mada University – Yogyakarta.

Main role: Provides strategic direction particularly in the development of services at all branches/sub-branches/service points, management of operation and administrative processes, customer data management as well as the development of networks and delivery channels. His roles include setting the priority and policies of the functions under his responsibility. He is responsible for the applicability and reliability of quality operational services and ensuring optimum contribution in support of the company’s requirements and operational activities.

Bambang Ratmanto - ComptrollerAppointed as Head of Internal Audit of Bank Niaga in 2001. He has significant experience with Bank Niaga since 1985. He graduated from Faculty of Economics, Gajah Mada University – Yogyakarta.

Main role: Assists the CEO and Audit Committee in implementing their audit functions; provides input and recommendations to the management and related work units regarding audit findings; ensures safe and sound management of the Bank as shown in the Bank’s effective risk management, internal control system and Good Corporate Governance practices. He is also responsible for drawing up and bank-wide implementation of audit-related policies and procedures which cover risk asset, operation, system and information technology, treasury and other functions

INDEX

xvi.

Agos Cholan – Head of Subsidiary & Affiliates ManagementWarga Negara Malaysia, ditunjuk sebagai Head of Subsidiary dan Affiliates Management. Sebelumnya, beliau menjabat sebagai Head of Subsidiary dan Affiliates Management dan berkarir di Bank of Commerce Berhad dan Grup BCHB selama 23 tahun. Beliau meraih gelar BSc bidang Administrasi Bisnis dari Northrop University, California – USA.

Tugas utama: Menentukan arah dan strategi bagi pengembangan bisnis usaha yang memiliki afiliasi dengan Bank Niaga seperti menentukan peluang pasar, target segmentasi, strategi pemasaran produk/jasa serta pengelolaan aset-aset Perusahaan yang meliputi pengambilan bisnis usaha Syariah dan Malaysian Desk. Termasuk di dalamnya yaitu mengembangkan rencana, program, sistem dan prosedur serta kebijakan sehubungan fungsi-fungsi yang dikelola.

Paul S. Hasjim – Head of IT & System(Berlaku efektif sejak 26 Agustus 2005)Ditunjuk sebagai Head of IT & System. Beliau bergabung di Bank Niaga sejak tahun 1983 dan telah menjabat berbagai posisi di bidang teknologi informasi termasuk Head of IT & System pada tahun 2005. Beliau meraih gelar Master dari Royal Melbourne Institute of Technology, Australia.

Tugas utama: Memberikan arahan strategis dalam perencanaan dan pengembangan sistem teknologi informasi serta reengineering proses operasional perbankan, pengelolaan electronic banking dan fasilitas pendukung kegiatan operasional perbankan, pengelolaan electronic banking termasuk menentukan prioritas dan kebijakan dari fungsi-fungsi yang dikelola untuk menjamin penerapan, kehandalan dan layanan operasional dan teknologi informasi yang berkualitas, berdaya guna serta memastikan kontribusi yang optimal dalam mendukung kebutuhan dan kegiatan operasional Perusahaan.

Agos Cholan – Head of Subsidiary & Affiliates ManagementA Malaysian citizen, appointed as Head of Subsidiary and Affiliates Management. Prior to this, he was Head of Subsidiary and Affiliates Management and served in Bank of Commerce Berhad and the Group for 23 years. He holds Bachelor of Science degree from Northrop University, California – USA, majoring in Business Administration.

Main role: Provides direction and strategies for the development of businesses affiliated with Bank Niaga; determines market opportunities, segmentation targets, strategies for marketing products/services and managing company’s assets including Syariah and Malaysian Desk businesses. He is also responsible for drawing up plans, programs, systems and procedures as well as policies regarding functions under his responsibility.

Paul S. Hasjim – Head of IT & System(Officially effective since 26th August 2005)Appointed as Head of IT & System. He joined Bank Niaga in 1983 and since then has held various positions in information technology, including Head of IT & System in 2005. He holds a Masters degree from Royal Melbourne Institute of Technology, Australia.

Main role: Provides strategic direction in the development of information technology; banking operations’ planning and reengineering ; management of banking operation support facilities; electronic banking management as well as setting the priority and policies of the functions under his responsibility to ensure applicability and reliability of quality and efficient operational services and information technology that can guarantee optimum contribution in support of the company’s needs and activities.

Pejabat Senior EksekutifBoard of Senior Executives


INDEX

Sigid Moerkardjono – KetuaMenjabat Ketua Komite Audit sejak Januari 2003, beliau bertanggung jawab untuk pengarahan aktivitas Komite, pertemuan tetap serta laporan berkala kepada Dewan Komisaris.

Drs. Kanaka Puradiredja - Sekretaris merangkap anggotaMenjabat sebagai sekretaris dan anggota Komite Audit Bank Niaga sejak 2001. Beliau adalah Senior Partner Akuntan Publik Kanaka Puradiredja & Rekan, Ketua Majelis Kehormatan Disipliner Ikatan Akuntan Indonesia, Ketua Ikatan Komite Audit Indonesia dan anggota Dewan Pengawas Rehabilitasi Konstruksi di Aceh. Lulusan dari Fakultas Ekonomi bidang Akuntansi, Universitas Padjajaran, Bandung.

Sebagai anggota Komite, tugas beliau adalah untuk mendukung Ketua dalam segala hal yang berkaitan dengan tugas Komite.

Mawar I.R. Napitupulu - AnggotaMenjabat sebagai anggota Komite Audit Bank Niaga sejak tahun 2001. Saat ini beliau menjabat sebagai Managing Partner Kantor Akuntan Publik Aryanto Amir Jusuf and Mawar (AAJ Associates), Wakil Ketua Dewan Standar Profesional Akuntan Publik - Ikatan Akuntan Indonesia. Beliau meraih gelar MBA di bidang Keuangan dari Katholieke Universiteit Leuven, Belgia.

Sebagai anggota Komite, tugas beliau adalah untuk mendukung Ketua dengan penekanan pada penilaian laporan keuangan Bank.

Sigid Moerkardjono – ChairmanAs Chairman of the Audit Committee since January 2003, he is responsible for the overall direction of the Committee’s activities, regular meetings and timely reporting to the Board of Commissioners.

Drs. Kanaka Puradiredja - Secretary concurrently served as a memberSecretary and a member of Audit Committee of PT Bank Niaga Tbk since 2001. He is a Senior Partner of Kanaka Puradiredja & Co, Public Accounting Firm, Chairman of Disciplinery Board of IAI, Chairman of Institute of Audit Committee and Member of Supervisory Board of Rehabilitation Construction of Aceh. He graduated from Faculty of Economics, majoring in Accounting, Padjajaran University, Bandung.

As a member of the Committee, his function is to support the Chairman on all matters relating to the work of the Committee.

Mawar I.R. Napitupulu - MemberAudit committee member of PT Bank Niaga Tbk since 2001. Currently she serves as Managing Partner of Aryanto Amir Jusuf and Mawar (AAJ Associates) registered public accountant. She currently serves as the Vice Chairwoman Board of Public Accountant Professional Standards – Indonesian Institute of Accountant. She holds Master of Business Administration degree from Katholieke Universiteit Leuven, Belgium – majoring in Finance.

As a member of the Committee, her function is to support the Chairman with particular emphasis on examining the financial reporting of the Bank.

xvii.


Komite AuditAudit Committee

INDEX

xviii.


H. Hasanuddin A.F. - AnggotaSaat ini beliau juga merupakan Anggota Komisi Fatwa Majelis Ulama Indonesia Pusat, Anggota Dewan Syariah Nasional MUI Pusat dan Ketua Dewan Pengawas Syariah pada Asuransi Syariah TRIPAKARTA. Selain itu, beliau juga mengajar pada beberapa perguruan tinggi di Jakarta dan Bogor. Beliau meraih gelar Sarjana, Master dan Doktor dari Institut Agama Islam Nusantara, Jakarta.

Muhammad Quraish Shihab – AnggotaSaat ini beliau merupakan seorang Dosen (Guru Besar) Pascasarjana Universitas Islam Negeri (UIN) Jakarta dan Direktur Pusat Studi AL-Quran (PSQ) Jakarta. Beliau memiliki pengalaman professional, di antaranya sebagai Duta Besar RI untuk Republik Arab, Mesir, Jibun dan Somalia, Menteri Agama RI pada tahun 1998 dan Anggota Dewan Syariah Bank Muamalat Indonesia (1992-1999). Pada tahun 1987-2002 beliau merupakan Anggota MPR-RI. Beliau pernah menjabat sebagai Ketua Majelis Ulama Indonesia (Pusat) pada tahun 1985-1998. Sekarang ini, beliau juga merupakan Anggota Penasihat Al-Quran Departemen Agama RI. Beliau memiliki meraih gelar Sarjana, Master dan Doktor dari Universitas Al-Azhar, Cairo, Mesir.

Hj. Huzaemah T. Yanggo - AnggotaSaat ini beliau menjabat sebagai Ketua Dewan Pengawas Syariah Asuransi Syariah PT Great Eastern, Anggota Dewan Syariah Nasional Majelis Ulama Indonesia Pusat sebagai Ketua Pusat Kordinator Bidang Pengkajian dan Pengembangan, serta Anggota Dewan Pakar ICMI. Beliau meraih gelar Master dan Doktor dalam bidang Kajian Islam dan Bahasa Arab dari Universitas Al Azhar Cairo, Mesir.

H. Hasanuddin A.F. - MemberHe is also presently as Member Fatwa Commission of the Majelis Ulama Indonesia, Member National Syariah Board of Fatwa Commission of the Majelis Ulama Indonesia and Head of Syariah Supervisory Board at TRIPAKARTA Syariah Insurance. He concurrently teaches at several universities in Jakarta and Bogor. He gained Bachelor, Master and Doctorate degree from Institut Agama Islam Nusantara, Jakarta.

Muhammad Quraish Shihab – MemberHe concurrently serves as Postgraduate Lecturer (Guru Besar) of Universitas Islam Negeri (UIN) Jakarta and Director of Al-Quran Study Centre (PSQ) Jakarta. He has had several professional experiences, such as Indonesian Ambassador for Arab, Egypt, Jibun and Somalia Republic, The Minister for Religious Affairs in 1998 and Member of Syariah Supervisory Board Bank Muamalat Indonesia (1992-1999). In 1987 – 2002 he was Member of People’s Advisory Assembly Republic of Indonesia (MPR-RI). He was the Head of Majelis Ulama Indonesia Pusat in 1985-1998. Presently, he is Al-Quran Advisory Member of Department of Religion Republic of Indonesia. He holds Bachelor, Master and Doctorate degree from Al-Azhar University Cairo, Egypt.

Hj. Huzaemah T. Yanggo - MemberConcurrently serves as Head of Syariah Supervisory Board Syariah Insurance PT Great Eastern, Member of National Syariah Board Majelis Ulama Indonesia Pusat as Head of Research and Development Coordinator, and Member of ICMI Expert Board. She received her Master and Doctorate degree in Islam Study and Arabic from Al Azhar University Cairo, Egypt.

Dewan Pengawas SyariahSyariah Supervisory Board

INDEX

Perusahaan Induk PT Bank Niaga TbkThe Holding Company of PT Bank Niaga Tbk

xix.


Struktur kepemilikan saham BCHB:1. Khazanah Nasional Berhad 23,97%

(Malaysian Govt)2. Employee Provident Fund (EPF) 19,48%3. Publik & Lainnya 56,55%

Bumiputra-Commerce Holdings Berhad (sebelumnya dikenal sebagai Commerce Asset-Holding Berhad).Commerce Group of Companies adalah kelompok usaha keuangan terkemuka di Malaysia yang sedang berkembang pesat di sektor keuangan. Sebagai perusahaan induknya adalah Bumiputra-Commerce Holdings Berhad (BCHB) yang terdaftar dalam kategori usaha keuangan di Kuala Lumpur Stock Exchange (KLSE).

Memiliki dasar yang kuat, BCHB sendiri adalah perusahaan yang menangani bidang investasi dan manajemen, dan anak perusahaannya beragam, antara lain bank komersial, bank dagang, pialang saham, perusahaan pembiayaan, discount house, leasing, factoring, pialang efek berjangka, fund management, unit trust management, modal ventura dan asuransi jiwa.

Bumiputra-Commerce Bank Berhad (BCB)Bumiputra-Commerce Bank Berhad (BCB) didirikan tahun 1999. Jaringan ATM yang dimilikinya merupakan salah satu yang terbesar di Malaysia, sedangkan nasabahnya mencapai lebih dari 3,5 juta orang. Layanan yang ditawarkan BCB lengkap untuk memenuhi kebutuhan nasabahnya, mulai dari rumah tangga sampai kelompok usaha besar multinasional.

CIMB BerhadCIMB Berhad, tercatat di Bursa Malaysia adalah salah satu perusahaan yang menawarkan jasa perbankan investasi terbesar di Asean dan sebagai bagian dari Bumiputra-Commerce Holdings Berhad, kelompok usaha keuangan terbesar kedua di Malaysia.

CIMB saat ini sedang dalam proses transformasi menjadi penyedia layanan keuangan di seluruh dunia. Seiring dengan

BCHB shareholding structure:1. Khazanah Nasional Berhad 23.97%

(Malaysian Govt)2. Employee Provident Fund (EPF) 19.48%3. Public & Others 56.55%

Bumiputra-Commerce Holdings Berhad (formerly known as Commerce Asset-Holding Berhad).The Commerce Group of Companies is a leading financial conglomerate in Malaysia’s rapidly growing financial system. At the helm is Bumiputra-Commerce Holdings Berhad (BCHB) listed in the financial section of the Kuala Lumpur Stock Exchange (KLSE).

A sound foundation of strength, BCHB is a well-diversified investment and management holding company with interests in commercial banking, merchant banking, stock broking, offshore banking, finance company, discount house, leasing, factoring, futures broking fund management, unit trust management, venture capital and life insurance.

Bumiputra-Commerce Bank Berhad (BCB)Bumiputra-Commerce Bank Berhad (BCB), launched in 1999, has one of Malaysia's largest ATM networks and customer base of over 3.5 million. BCB provides a comprehensive range of services for small households through to the largest multinational conglomerate.

CIMB BerhadCIMB Berhad, listed on Bursa Malaysia is one of South East Asia’s largest investment banks and part of Bumiputra-Commerce Holdings Berhad, Malaysia’s second largest financial services group.

CIMB is currently undergoing changes to transform itself into a universal financial services provider. Following an announcement on 6 June 2005, CIMB acquired Bumiputra-Commerce Bank Bhd, the second largest commercial bank in Malaysia and integrating the Group’s commercial and investment banking operations.

Bumiputra-Commerce Holdings Berhad(BCHB)

INDEX


xx.

pemberitahuan pada tanggal 6 Juni 2005, CIMB telah mengakuisisi Bumiputra-Commerce Bank Bhd, bank komersil terbesar kedua di Malaysia dan menggabungkan operasional perbankan investasi dan komersil grup.

CIMB Berhad Grup terdiri dari anak perusahaan utama, Commerce International Merchant Bankers Berhad, CIMB Discount House Berhad, CIMB Securities Sdn Bhd, CIMB (L) Limited, CIMB Futures Sdn Bhd, CIMB-Principal Asset Management Berhad, CIMB Real Estate Sdn Bhd and CIMB-GK Pte Ltd.

CIMB juga meluncurkan CIMB-GK, anak perusahaan CIMB yang merupakan perusahaan induk untuk seluruh perusahaan perbankan investasi non–Malaysia di CIMB Grup. CIMB-GK menyediakan layanan institutional equities, retail broking, investment research dan corporate finance, melengkapi produk yang telah dimiliki oleh CIMB.

Commerce–Ventures Sdn BerhadCommerce-Ventures Sdn Bhd adalah perusahaan khusus bidang manajemen yang dimiliki sepenuhnya oleh BCHB, yang menyediakan modal untuk usaha kecil dan menengah yang sedang berkembang.

Commerce International Group Sdn Berhad (CIG)Pada akhir Januari 2006, CIG telah menjadi perusahaan induk dari bisnis-bisnis asuransi Grup BCHB.

Commerce Life Assurance Berhad(sebelumnya bernama AMAL Assurance Berhad)Semakin banyak anggota masyarakat di Malaysia yang membutuhkan perlindungan keuangan untuk keluarga mereka. Untuk memenuhi kebutuhan inilah Commerce Life Assurance Berhad didirikan. Untuk memenuhi kebutuhan masyarakat Malaysia akan asuransi jiwa, Commerce Life mengeluarkan polis asuransi yang khusus disesuaikan dengan kebutuhan khusus nasabah.

PT Bank Niaga TbkBank Niaga adalah bank ke-7 terbesar di Indonesia dilihat dari sisi aset. Bank yang didirikan pada tahun 1955 ini terdaftar di Bursa Efek Jakarta dan Bursa Efek Surabaya pada tahun 1989. Bank Niaga memiliki jaringan distribusi sebanyak 222 kantor cabang dan kios, terutama di sentra dagang di Indonesia, memperkerjakan sebanyak 5,691 karyawan yang berkualifikasi dan berbakat. Bank ini memperoleh beberapa penghargaan di bidang kualitas pelayanan dan kinerja.

CIMB Berhad Group comprises major subsidiaries, Commerce International Merchant Bankers Berhad, CIMB Discount House Berhad, CIMB Securities Sdn Bhd, CIMB (L) Limited, CIMB Futures Sdn Bhd, CIMB-Principal Asset Management Berhad, CIMB Real Estate Sdn Bhd and CIMB-GK Pte Ltd.

CIMB also recently launched CIMB-GK, a wholly-owned subsidiary of CIMB, and the holding company for all the CIMB Group’s non-Malaysian investment banking businesses. CIMB-GK offers institutional equities, retail broking, investment research and corporate finance, thus providing the regional complement to CIMB’s existing product offerings.

Commerce-Ventures Sdn BerhadCommerce-Ventures Sdn Bhd is a specialist management company wholly owned by BCHB, that invests equity capital into emerging small and medium sized business.

Commerce International Group Sdn Berhad (CIG)At the end of January 2006, CIG has become the holding company for the Group’s insurance businesses.

Commerce Life Assurance Berhad(formerly known as AMAL Assurance Berhad)Commerce Life Assurance Berhad was established in response to a growing need among Malaysians to provide for the financial security of their families. Commerce Life is committed to meet the life insurance needs of the Malaysian public by introducing policies which can be specially tailored and packaged to meet the specific requirements of customers.

PT Bank Niaga TbkBank Niaga is the 7th largest bank in Indonesia by assets. Established in 1955, it was listed on the Jakarta Stock Exchange and Surabaya Stock Exchange in 1989. It has a distribution network of 222 branches and kiosks predominantly in the main commercial centres of Indonesia, employs 5,691 of talented, well-qualified people and received several awards in the area of service quality and bank performance.

Commerce Assurance Berhad(formerly known as AMI Insurans Berhad)Commerce Assurance has been established since 1959 to serve the multinational interests in insurance services. Commerce Assurance ranks among the top five general insurers in Malaysia.


INDEX

xxi.


Commerce Assurance Berhad(sebelumnya bernama AMI Insurans Berhad).Commerce Assurance adalah perusahaan asuransi yang didirikan pada tahun 1959. Nasabahnya adalah perusahaan-perusahaan multinasional. Perusahaan ini masuk dalam jajaran lima perusahaan asuransi papan atas di Malaysia.

Prospek Grup BCHB tahun 2006Pada tahun 2005 Commerce Group melakukan transformasi besar-besaran berupa restrukturisasi dan integrasi lewat CIMB dan BCB. Bagi kelompok usaha ini, pasar regional menjadi semakin penting menyusul dibentuknya CIMB-GK dan semakin besarnya saham Bank Niaga yang dimiliki BCHB. Saat ini seluruh anak perusahaan yang bergerak di bidang asuransi ditempatkan di bawah satu perusahaan induk, yaitu Commerce International Group (CIG), sehingga memudahkan mereka untuk menjalankan strategi bisnis asuransi yang terarah.

Penataan kembali segmen Perbankan Bisnis dan ritel akan terus dilakukan pada tahun 2006, dan meningkatnya pendapatan Commerce Group akan dipicu oleh sejumlah faktor pendorong seperti lebih besarnya pendapatan dari kegiatan perbankan investasi dan pengelolaan dana bank (treasury) serta semakin gencarnya perusahaan melakukan upaya penagihan (recovery). Commerce Group berharap momentum pasar obligasi Ringgit dapat terus berlanjut pada tahun 2006 ini. Pasar modal diperkirakan akan lesu sementara transaksi lintas negara diharapkan dapat mendorong merjer dan akuisisi. Di dalam negeri pertumbuhan kredit tidak akan terlalu pesat dan kegiatan penyimpanan dana semakin banyak dilakukan oleh masyarakat. Dengan semakin besarnya kekuatan finansial dan sinergi yang ada, Commerce Group diperkirakan mampu menawarkan nilai tambah yang lebih tinggi kepada nasabah di dalam negeri maupun di kawasan regional.

BCHB Group Prospects for 20062005 saw major transformation efforts within the Group mainly through the internal restructuring and integration efforts involving CIMB and BCB. Through the CIMB-GK platform and the increase in BCHB's stake in Bank Niaga, the regional markets are becoming increasingly important to the Commerce Group. The grouping of all insurance subsidiaries under an insurance holding company, Commerce International Group (CIG) will facilitate a focused strategic direction for the insurance businesses.

For 2006, higher investment banking activities and treasury income as well as the intensified recovery efforts will be the key drivers of earnings growth as the rebuilding of retail and Business Banking continues. The expectation is for the strong momentum in the Ringgit bond markets to continue in 2006. Equity markets may be sluggish in 2006 and cross border transactions is expected to drive merger and acquisition advisory work. We expect moderate loan growth in the domestic market and an aggressive push for deposits. With greater combined financial muscle and synergies, the Commerce Group will be able to offer both domestic and regional clients better value added propositions.

Universal banking(100%)

Others(100%)

Insurance Group(100%)

Overseas Group(65%)

PT Bank Niaga Tbk CIMB Group Commerce International Group

Commerce Asset Ventures

Sdn Bhd

BCHB

BCB Group

Group Structure, January 2006

INDEX


xxii.

Berikut adalah laporan keuangan BCHB yang telah diaudit dan disajikan untuk memenuhi ketentuan sebagaimana diatur di dalam Surat Edaran Bank Indonesia No. 3/30/DPnP tanggal 14 Desember 2001 tentang “Laporan Keuangan Publikasi Triwulanan dan Bulanan Bank Umum serta Laporan Tertentu yang disampaikan kepada Bank Indonesia”.

The following are the Audited Financial Statements of BCHB which is presented to comply with Central Bank’s Circular Resolution No. 3/30/DPnP, 14th December 2001 regarding “Quarterly and Monthly Published Financial Statements of Commercial Banks and Certain Report convey to Bank Indonesia”.


INDEX

xxiii.


INDEX


Assets Cash and short-term funds Securities purchased under resale agreements Deposits and placements with banks and others financial institutions Securities held-for-trading Available-for-sale-securities Held-to-maturity securities Derivative financial instruments Loans, advances and financing Other assets Deferred tax assets Tax recoverable Statutory deposits with Bank Negara Malaysia Invesment in associates Jointly controlled entities Fixed assets Goodwill Total assets

Liabilities and shareholders' funds Deposits from customers Deposits and placements of banks and other financial institutions Derivative financial instruments Obligations on securities sold under repurchase agreements Bills and acceptances payable Floating rate certificates of deposits Other liabilities Deferred tax liabilities Current tax liabilities Amount due to Cagamas Berhad Loan stocks Bonds Irredeemable convertible unsecured loan stocks ("ICULS") Other borrowings Subordinated Notes Total liabilities Minority interests Perpetual preference shares Share capital Reserves Less: Treasury shares, at cost Shareholders' funds Total liabilities and shareholders' funds

Commitment and contingencies

16,634,934 4,498,908

1,443,047 6,556,140 11,621,682

2,691,566 287,976

62,603,030 2,032,432 307,867 446,563 1,934,890

71,145 121,416

779,492 351,503 112,382,591

74,105,175 7,517,869 511,784

5,606,264 3,029,937 342,000 3,957,939 22,106 48,772 2,283,878 778,346 912,118

45,216 1,704,657 1,516,214

102,382,275 840,840 200,000 2,691,740 6,267,736

- 8,959,476

112,382,591

208,586,917

2004RM’000

12,078,145 4,473,563 1,354,952 9,556,127 7,759,349

2,420,509 385,740

69,095,880 2,411,745

359,478 281,355

1,659,940 95,583 118,722

940,258 534,618 113,525,964

74,323,587 7,416,648

514,185 5,316,721

3,295,456 226,770 4,374,428 13,690 104,610 2,375,329 782,763

928,708 44,682 829,893 1,872,016

102,419,486 1,269,025

200,000 2,756,398 6,881,055

- 9,637,453 113,525,964

149,479,744

2005RM’000

Company No: 50841-W

Bumiputra-Commerce Holdings Berhad (formerly known as Commerce Asset-Holding Berhad (Incorporated in Malaysia)

Consolidated balance sheet as at 31 December 2005

xxiv.


INDEX

xxv.


Interest income

Interest expense

Net interest income

Income from Islamic banking operations

Non-interest income

Overhead expenses

Profit before allowances

Allowance for losses on loans, advances and financing

Allowance for other receivables

Provision for commitments and contingencies

Allowance for impairment of securities

Share of results of jointly controlled entities

Share of results of associates

Profit before taxation

Taxation

-Company and subsidiaries

-Jointly controlled entities

-Associates

-Zakat

Profit after taxation

Minority interests

Net profit for the financial year

Earnings per share (sen)

-Basic

-Fully diluted

Dividends per ordinary share (sen)

• First and final dividend of 10 sen less taxation

of 28% (2004: 10 sen less taxation of 28%)

• Special dividend of 5 sen less taxation

of 28% (2004: 5 sen less taxation of 28%

5,271,312

(2,580,801)

2,690,511

14,835

1,449,476

4,154,822

(1,953,407)

2,201,415

(1,122,435)

(11,527)

(259)

(14,807)

1,052,387

(3,509)

3,769

1,052,647

(116,843)

(75)

(3,315)

-

932,414

(197,874)

734,540

27.6

26.4

7.2

3.6

2004RM’000

6,025,130

(3,038,883)

2,986,247

24,101

1,712,632

4,722,980

(2,278,099)

2,444,881

(1,021,863)

(16,612)

(684)

(100,636)

1,305,086

(1,824)

10,223

1,313,485

(280,718)

(870)

(2,648)

(22)

1,029,227

(202,402)

826,825

30.5

30.1

7.2

3.6

2005RM’000

Company No: 50841-W


Consolidated income statement for the financial year ended 31 December 2005

INDEX

xxvi.


Assets

Cash and short-term funds

Securities held-for-trading

Available-for-sale securities

Held-to-maturity securities

Derivative financial instruments

Loans, advances and financing

Other assets

Tax recoverable

Investment in subsidiaries

Amount owing by subsidiaries net of allowance

for doubtful debts of RM852,820 (2004: RM852,820)

Investment in associates

Fixed assets

Total assets

Liabilities and shareholders' funds

Other liabilities

Amount owing to subsidiaries

Deferred tax liabilities

Bonds

Total liabilities

Share capital

Reserves

Less: Treasury shares, at cost

Sharehholders' funds

Total liabilities and shareholders' funds

Commitments and contingencies

1,328,411

354,936

21,203

215,194

1,061

3,058

1,399

-

4,251,770

413,607

3,834

100,514

6,694,987

14,418

821,820

18,418

500,000

1,354,656

2,691,740

2,648,591

-

5,340,331

6,694,987

250,000

2004RM’000

450,581

320,244

-

183,064

202

3,219

152,944

12,962

5,042,309

452,549

3,834

82,137

6,704,045

13,607

703,980

8,069

500,000

1,225,656

2,756,398

2,721,991

-

5,478,389

6,704,045

250,000

2005RM’000

Company No: 50841-W


Company balance sheet as at 31 December 2005


INDEX

xxvii.


Interest income

Interest expense

Net interest expense

Non-interest income

Net income

Overhead expenses

Profit before allowances

Writeback of allowance for impairment of securities

Profit before taxation

Taxation

Net profit for the financial year

Dividends per ordinary share (sen)

• First and final dividend of 10 sen less taxation


• Special dividend of 5 sen less taxation


33,554

(45,239)

(11,685)

356,234

344,549

(31,050)

313,499

1,019

314,518

(18,809)

295,709

7.2

3.6

2004RM’000

41,598

(64,158)

(22,560)

341,388

318,828

(39,463)

279,365

-

279,365

(52,201)

227,164

7.2

3.6

2005RM’000

Company No: 50841-W

Bumiputra-Commerce Holdings Berhad (formerly known as Commerce Asset-Holding Berhad) (Incorporated in Malaysia)

Company income statement for the financial year ended 31 December 2005

INDEX


PT Niaga Aset ManajemenTahun 1997 Bank Niaga mendirikan PT Niaga Asset Management, salah satu lembaga keuangan yang kompeten dalam menyediakan layanan jasa keuangan yang lengkap kepada para nasabah.

Sejalan dengan pengembangan Bank Niaga dalam jasa pelayanan keuangan di bidang pembiayaan konsumer dan ritel, maka adanya Niaga Aset Manajemen yang menyediakan jasa pelayanan di bidang pengelolaan aset secara kolektif dan individual maupun sebagai penasihat investasi di pasar modal, akan memantapkan langkah beriringan, bahkan mampu menciptakan sinergi usaha demi keuntungan bersama.

Dewan Komisaris:• Diah R. Paramaiswari, Komisaris

Direksi:• Ferry Indra Zen, Direktur

PT Niaga Aset ManajemenIn 1997 Bank Niaga established PT Niaga Asset Management, a financial institution, capable of offering comprehensive financial services to its customers.

In light of Bank Niaga's growing consumer and retail financing services, asset management, on both collective and individual basis, as well as financial market investment advisory services offered by Niaga Aset Manajemen, will produce synergy.

Board of Commissioners:• Diah R. Paramaiswari, Commissioner

Board of Directors:• Ferry Indra Zen, Director

Struktur, Anak Perusahaan & AfiliasiCorporate Structure, Subsidiaries & Affiliate

PT. Asuransi Cigna PT. Niaga Aset Manajemen PT. Saseka Gelora Finance

20.00% 99.20% (Dec ‘05) 85.78% (Dec ‘05)

BCHB Public

64.25% (Dec ‘05) 35.75 (Dec ‘05)

Moody’s (B2)Fitch (BB-)

xxviii.

INDEX


PT Saseka Gelora FinancePT Saseka Gelora Finance (SGF) adalah perusahaan multifinance terkemuka dan mapan yang berdiri sejak tahun 1981. SGF memusatkan usahanya pada pembiayaan perusahaan untuk pembelian mesin, peralatan berat dan kapal tunda. Saham SGF sebagian besar dimiliki oleh PT Bank Niaga Tbk dan sebagian kecil lainnya dipegang oleh Indover Bank dan PT Bank Danamon Tbk.

Dewan Komisaris:• Ari Purwandono, Presiden Komisaris• Rahardjo Satrio Unggul, Komisaris

Direksi:• Dani Firmansyah, Presiden Direktur• Carolina Dina R Suryanto, Direktur

PT Asuransi CIGNA PT Asuransi CIGNA yang didirikan tahun 1990 sampai saat ini, telah tumbuh dan berkembang menjadi perusahaan asuransi di Indonesia yang sangat fokus dalam Affinity Marketing.

PT Asuransi CIGNA adalah Lembaga asuransi, terdepan dalam pengembangan, distribusi dan pelayanan produk-produk asuransi jiwa, kecelakaan dan kesehatan. Dalam 3 tahun terakhir, berdasarkan peringkat majalah Infobank, PT Asuransi CIGNA masuk dalam kategori perusahaan Asuransi Jiwa ‘sangat bagus’ dengan aset sebesar Rp 343,5 miliar per Desember 2005 (un-audited). Pada tahun 2004, atas prestasinya PT Asuransi CIGNA juga telah menerima ‘Country Operation of the Year Award for Best Overall Performance’ dari CIGNA International.

Dewan Komisaris:• Paul Edward Hartley, Presiden Komisaris• Michael Stewart Elliott, Komisaris• Dung Anh Phan, Komisaris• Lynna A. Muliawan, Komisaris• Noke Kiroyan, Komisaris Independen

Direksi:• Steven Lee Novkov, Presiden Direktur• Christina Wahjuni Setyabudhi, Direktur• Torkis David Parlaungan Batubara, Direktur• Nefo Luhur Dradjati, Direktur• Annalisa Seriati, Direktur• Jose Perpetuo Gala Alava, Direktur

PT Saseka Gelora FinancePT Saseka Gelora Finance (SGF) is a well known multi-finance company that has been established since 1981. SGF focuses on company financing for machinery, heavy equipment and tugboats. SGF is majority owned by PT Bank Niaga Tbk and other minority shareholders such as Indover Bank, and PT Bank Danamon Tbk.

Board of Commissioners:• Ari Purwandono, President Commissioner• Rahardjo Satrio Unggul, Commissioner

Board of Directors:• Dani Firmansyah, President Director• Carolina Dina R Suryanto, Director

PT Asuransi CIGNA PT Asuransi CIGNA established in 1990, has expanded and developed into a leading insurance company in Indonesia focusing in Affinity Marketing.

PT Asuransi CIGNA is a leader in the development, distribution and service provision of life, accident and health. In the last 3 years, PT Asuransi CIGNA was rated ‘very good’ in the Life Insurance Company category sponsored by Infobank magazine with assets of Rp 343.5 billion as at December 2005 (un-audited). In 2004, PT Asuransi CIGNA also received ‘Country Operation of the Year Award for Best Overall Performance’ from CIGNA International for its achievement.

Board of Commissioners:• Paul Edward Hartley, President Commissioner• Michael Stewart Elliott, Commissioner• Dung Anh Phan, Commissioner• Lynna A. Muliawan, Commissioner• Noke Kiroyan, Independent Commissioner

Board of Directors:• Steven Lee Novkov, President Director• Christina Wahjuni Setyabudhi, Director• Torkis David Parlaungan Batubara, Director• Nefo Luhur Dradjati, Director• Annalisa Seriati, Director• Jose Perpetuo Gala Alava, Director

xxix.

INDEX


* Sel

ain

men

supe

rvis

i Sya

riah

Bank

ing

Gro

up, b

erta

nggu

ng ja

wab

juga

men

gelo

la a

nak-

anak

per

usah

aan

dan

fung

si M

alay

sian

Des

k B

esid

e su

perv

ise

Syar

iah

Bank

ing

Gro

up, a

lso

resp

onsi

ble

for m

anag

ing

Subs

idia

ries a

nd M

alay

sian

Des

k fu

nctio

n

** T

ugas

rang

kap/

Dua

l rol

e.

Stru

ktur

Org

anis

asi b

erla

ku e

fekt

if 3

Okt

ober

200

5O

rgan

isat

ion

Stru

ctur

e of

ficia

lly e

ffect

ive

Oct

ober

3, 2

005

BOAR

D O

F CO

MM

ISIO

NER

S

Has

hem

i Alb

akri,

Vic

e CE

O

AUD

ITCO

MM

ITTE

E

CORP

ORA

TEAF

FAIR

S

Ikky

Der

mab

udim

an, S

VP

SATU

AN P

ENG

AWAS

INTE

RN

Bam

bang

Rat

man

to, E

VP

CON

SUM

ER B

ANKI

NG

SALE

S

Has

hem

i Alb

akri,

ED

CON

SUM

ER B

ANKI

NG

DEV

ELO

PMEN

T

Lynn

a A.

Mul

iaw

an, E

VP

BUSI

NES

S BA

NKI

NG

D. J

ames

Rom

pas,

ED

CORP

ORA

TE B

ANKI

NG

Cath

erin

e H

adim

an, E

D

NET

WO

RK &

SER

VICE

S

Yos B

adila

ngoe

, EVP

IT &

SYS

TEM

Paul

S. H

asjim

, EVP

FIN

ANCE

& C

ORP

ORA

TEPL

ANN

ING

Tay

Un

Soo,

ED

COM

PLIA

NCE

&RI

SK M

ANAG

EMEN

T

C. H

eru

Budi

argo

, ED

SUBS

IDIA

RY &

AFFI

LIAT

ES M

GT.

Agos

Cho

lan,

EVP

*

JAKA

RTA

ICO

NSU

MER

ARE

A

M. P

ujio

no S

anto

so, V

P

CON

SUM

ER P

ROD

UCT

DEV

. GRO

UP

Juan

ita Lu

than

, VP

(Coo

rdin

ator

)

BUSI

NES

S D

EV.

GRO

UP

Dia

h Pa

ram

aisw

ari,

VP

FIN

ANCI

AL IN

STIT

UTIO

N&

PRO

DU

CT G

ROU

P

Rizk

i P. H

asan

, SVP

JKT.

NET

WO

RK &

SERV

ICES

ARE

A

Suha

rdia

nto,

SVP

INFO

RMAT

ION

SYS

TEM

DEV

ELO

PMEN

T G

ROU

P

Andr

eas T

edja

, VP

CORP

ORA

TE P

LAN

NIN

GG

ROU

P

Tay

Un

Soo,

ED

**

COM

PLIA

NCE

MAN

AGEM

ENT

GRO

UP

Iraw

an S

anto

so, S

VP

SYAR

IAH

BAN

KIN

GG

ROU

P

Ari P

urw

ando

no, S

VP

JAKA

RTA

IICO

NSU

MER

ARE

A

Luki

Pre

sisa

B. U

tam

i, VP

PRIV

ATE

BAN

KIN

GG

ROU

P

Elw

in K

arya

di, S

VP

JAKA

RTA

I BU

SIN

ESS

AREA

Sind

bad

R.H

, SVP

CORP

ORA

TE

BAN

KIN

G I

GRO

UP

Pand

ji D

jaja

nega

ra, V

P

JABA

R N

ETW

ORK

&

SERV

ICES

ARE

AAg

us P

asar

ibu,

AVP

(Coo

rdin

ator

)

INFR

ASTR

UCT

URE

&TE

CHN

OLO

GY

OPR

.G

ROU

PSu

hart

o Su

leh,

VP

FIN

ANCI

ALAC

COU

NTI

NG

GRO

UP

Han

doyo

Soe

bali,

SVP

RISK

MAN

AGEM

ENT

GRO

UP

Raha

rdjo

S. U

nggu

l, SV

P

JATI

M C

ON

SUM

ERAR

EA

Laks

mi M

ustik

anin

grat

, VP

CARD

PRO

DU

CT G

ROU

P

Moh

amad

Hel

mi,

VP

JAKA

RTA

II BU

SIN

ESS

AREA

Dam

ianu

s L. H

ufat

, VP

CORP

ORA

TEBA

NKI

NG

II G

ROU

P

Benn

y Ar

ya S

, VP

JATI

M &

IND

. TIM

UR

NET

WO

RK &

SER

VICE

SAR

EAN

oor A

idlo

n, V

P

INFO

RMAT

ION

SE

CURI

TY &

SYS

TEM

GRO

UP

Ded

dy E

. Rid

wan

, VP

CORP

ORA

TE LE

GAL

GRO

UP

L. W

ulan

Tum

bela

ka, S

VP

HU

MAN

RES

OU

RCES

MAN

AGEM

ENT

GRO

UP

Awal

di, V

P

JATE

NG

CO

NSU

MER

AREA

Reza

A. S

yafn

i, VP

JATI

M B

USI

NES

S AR

EA

Budi

Was

ito, S

VP

TREA

SURY

MAN

AGEM

ENT

GRO

UP

Bam

bang

Eko

K., V

P(C

oord

inat

or)

JATE

NG

NET

WO

RK &

SERV

ICES

ARE

A

Yuri

Yudi

stira

, VP

LEAR

NIN

G

MAN

AGEM

ENT

GRO

UP

Mar

tha

Bam

bang

P, V

P

JABA

R CO

NSU

MER

AREA

Arie

f Witj

akso

no, A

VP(C

oord

inat

or)

JATE

NG

BU

SIN

ESS

AREA

Ign.

Koe

swid

yant

oro,

VP

INVE

STM

ENT

SERV

ICE

GRO

UP

Tedd

y O

J. Pu

nu, S

VP

SUM

ATER

A N

ETW

ORK

&

SER

V. A

REA

Nug

raha

nto

Sund

oro,

VP

SUM

ATER

A CO

NSU

MER

AREA

Pard

amea

n Si

payu

ng, V

P

JABA

R BU

SIN

ESS

AREA

Agus

Hen

dart

o, V

P

IND

ON

ESIA

TIM

UR

CON

SUM

ER A

REA

Rahm

at A

. Har

is, A

VP(C

oord

inat

or)

SUM

ATER

ABU

SIN

ESS

AREA

Ferr

y O

. Man

tiri,

VP

SME

IBU

SIN

ESS

AREA

Firm

an A

. Moe

is. V

P

SME

IIBU

SIN

ESS

AREA

Albe

rt A

.A. O

rah,

VP

ELEC

TRO

NIC

DEL

IVER

Y G

ROU

P

Rudy

Bud

iman

, VP

CEO

Pete

r B. S

tok

INDEX


FIN

ANCI

AL IN

STIT

UTI

ON

& P

ROD

UCT

GRO

UP

Cath

erin

e H

adim

an, E

D*

CORP

ORA

TEBA

NKI

NG

I G

ROU

P

Pand

ji D

jaja

nega

ra, V

P

CORP

ORA

TEBA

NKI

NG

II G

ROU

PRi

dwan

Jahj

a, V

P(C

oord

inat

or)

INVE

STM

ENT

SERV

ICES

GRO

UP

Tedd

y O

.J. P

unu,

SVP

TREA

SURY

MAN

AGEM

ENT

GRO

UP

Bam

bang

Eko

K., V

P(C

oord

inat

or)

Stru

ktur

Org

anis

asi b

erla

ku e

fekt

if 1

Janu

ari 2

006

Org

anis

atio

n St

ruct

ure

offic

ially

effe

ctiv

e Ja

nuar

i 1, 2

006

BOAR

D O

F CO

MM

ISIO

NER

S

Has

hem

i Alb

akri,

Vic

e CE

O

AUD

ITCO

MM

ITTE

E

CORP

ORA

TEAF

FAIR

S

Rizk

i P. H

asan

, SVP

SATU

AN P

ENG

AWAS

INTE

RN

Bam

bang

Rat

man

to, E

VP

MO

RTG

AGE

BAN

KIN

G

Agos

Cho

lan,

EVP

PREF

ERRE

D B

ANKI

NG

Lynn

a A.

Mul

iaw

an, E

VP

RETA

IL S

ALES

&

SERV

ICES

Yos B

adila

ngce

, EVP

BUSI

NES

S BA

NKI

NG

D. J

ames

Rom

pas,

ED

CORP

ORA

TE B

ANKI

NG

Cath

erin

e H

adim

an, E

D

OPE

RATI

ON

& IT

Paul

S. H

asjim

, EVP

RISK

MAN

AGEM

ENT

Pete

r B. S

tok,

CEO

*

FIN

ANCE

& P

LAN

NIN

G

Tay

Un

Soo,

ED

COM

PLIA

NCE

& H

R

C. H

eru

Budi

argo

, ED

MO

RTG

AGE

I ARE

A

Juan

ita Lu

than

, VP

PRIV

ATE

BAN

KIN

GG

ROU

P

Mar

yadi

A. L

aksm

ono,

AVP

(Coo

rdin

ator

)

RISK

MAN

AGEM

ENT

GRO

UP

Raha

rdjo

S. U

nggu

l, SV

P

CORP

ORA

TE P

LAN

NIN

GG

ROU

PH

arry

Iman

S., V

P(C

oord

inat

or)

MO

RTG

AGE

II AR

EA

Laks

mi M

ustik

anin

grat

, VP

PREF

ERRE

D C

IRCL

EG

ROU

P

Ikky

Der

mab

udim

an, S

VP

CRED

IT R

EVIE

W &

SUPP

ORT

GRO

UP

Benn

y Ar

ya S

., VP

CORP

ORA

TE LE

GAL

GRO

UP

L. W

ulan

Tum

bela

ka, S

VP

RETA

IL C

OLL

ECTI

ON

&RE

COVE

RY G

ROU

PCo

rina

L. Ka

rnal

ies,

VP(C

oord

inat

or)

FIN

ANCE

&AC

COU

NTI

NG

GRO

UP

Ded

dy E

. Rid

wan

, VP

SYAR

IAH

BAN

KIN

GG

ROU

P

Ari P

urw

ando

no, S

VP

RETA

IL P

ROD

UCT

&SE

RVIC

ES D

EV. G

ROU

PG

atot

Sub

agio

, VP

(Coo

rdin

ator

)

CARD

CEN

TER

GRO

UP

Moh

amad

Hel

mi,

VP

JAKA

RTA

I SAL

ES &

SERV

ICES

ARE

A

Han

doyo

Soe

bali,

SVP

JAKA

RTA

II SA

LES

&SE

RVIC

ES A

REA

Luki

Pre

sisa

B. U

tam

i, VP

JATI

M S

ALES

&SE

RVIC

ES A

REA

M. P

ujio

no S

anto

so, V

P

JATE

NG

SAL

ES &

SERV

ICES

ARE

A

Reza

A. S

yafn

i, VP

JABA

R SA

LES

&SE

RVIC

ES A

REA

M. A

rief W

icak

sono

, AVP

SUM

ATER

A SA

LES

&SE

RVIC

ES A

REA

Pard

amea

n Si

payu

ng, V

P

IND

. TIM

UR

SALE

S &

SERV

ICES

ARE

ARa

hmat

A. H

aris

, AVP

(Coo

rdin

ator

)

CEO

Pete

r B. S

tok

BUSI

NES

S D

EV.

GRO

UP

Dia

h Pa

ram

aisw

ari,

VP

JAKA

RTA

I BU

SIN

ESS

AREA

Sind

bad

R.H

., SVP

JAKA

RTA

II BU

SIN

ESS

AREA

Dam

ianu

s L. H

ufat

, VP

JATI

M B

USI

NES

S AR

EA

Budi

Was

ito, S

VP

JATE

NG

BU

SIN

ESS

AREA

Ign.

Koe

swid

yant

oro,

VP

JABA

R BU

SIN

ESS

AREA

Agus

Hen

dart

o, V

P

SUM

ATER

A BU

SIN

ESS

AREA

Ferr

y O

. Man

tiri,

VP

SME

IBU

SIN

ESS

AREA

Firm

an A

. Moe

is, V

P

SME

IIBU

SIN

ESS

AREA

Albe

rt A

.A. O

rah,

VP

IT S

YSTE

MD

EVEL

OPM

ENT

GRO

UP

Andr

eas T

edja

, VP

INF.

SEC

URI

TY &

SYST

EM G

ROU

PSu

hend

i Muh

aram

, AVP

(Coo

rdin

ator

)

IT O

PERA

TIO

N G

ROU

P

Suha

rto

Sule

h, V

P

ELEC

TRO

NIC

DEL

IVER

YG

ROU

P

Rudy

Bud

iman

, VP

JAKA

RTA

OPE

RATI

ON

S AR

EA

Suha

rdia

nto,

SVP

JABA

R O

PERA

TIO

NS

AREA

Agus

Pas

arib

u, A

VP(C

oord

inat

or)

JATI

M &

INTI

MO

PERA

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INDEX

xxxii.


Per 1 Januari 2006

Dewan Komisaris1. Dr. Rozali Mohamed Ali: Presiden Komisaris2. Gunarni Soeworo: Wakil Presiden Komisaris, merangkap

Komisaris Independen3. Dato’ Halim Muhamat: Komisaris4. Sigid Moerkardjono:Komisaris, merangkap Komisaris

Independen5. Datuk Hamzah Bakar: Komisaris, merangkap Komisaris

Independen6. Ananda Barata: Komisaris, merangkap Komisaris

Independen7. Dr. Roslan A. Ghaffar: Komisaris8. Prof. Dr. Roy Hendra Michael Sembel: Komisaris, merangkap

Komisaris Independen*

Direksi1. Peter B. Stok: Presiden Direktur2. Hashemi Albakri : Wakil Presiden Direktur3. Daniel James Rompas: Direktur4. C. Heru Budiargo: Direktur5. Tay Un Soo: Direktur6. V. Catherinawati Hadiman: Direktur

* Berlaku efektif terhitung sejak diperolehnya persetujuan dari Bank Indonesia pada 19 Desember 2005.

Mohd Shukri Hussin akan berlaku efektif setelah diperolehnya persetujuan dari Bank Indonesia

As at 1st January 2006

Board of Commissioners1. Dr. Rozali Mohamed Ali: President Commissioners2. Gunarni Soeworo: Vice President Commissioners, serving

concurrently as an Independent Commissioner3. Dato’ Halim Muhamat: Commissioner4. Sigid Moerkardjono: Commissioner, serving concurrently

as an Independent Commissioner5. Datuk Hamzah Bakar: Commissioner, serving concurrently

as an Independent Commissioner6. Ananda Barata: Commissioner, serving concurrently as an

Independent Commissioner7. Dr. Roslan A. Ghaffar: Commissioner8. Prof. Roy Hendra Michael Sembel, Ph.D.: Commissioner,

serving concurrently as an Independent Commissioner*

Board of Directors1. Peter B. Stok: President Director2. Hashemi Albakri: Vice President Director3. Daniel James Rompas: Director4. C. Heru Budiargo: Director5. Tay Un Soo: Director6. V. Catherinawati Hadiman: Director

* Officially effective since Bank Indonesia approval on December 19, 2005.

Mohd Shukri Hussin will be officially effective after Bank Indonesia approval

Susunan Dewan Komisaris dan DireksiBoard of Commissioners and Directors

INDEX


Pejabat Senior Ekskutif per 1 Januari 2006Board of Senior Executives as at 1 January 2006

Lynna A. MuliawanExecutive Vice PresidentHead of Preferred Banking Joined Bank Niaga in 1995

Yosef Antonius Boliona BadilangoeExecutive Vice PresidentHead of Retail Sales & Services Joined Bank Niaga in 1985

Bambang RatmantoExecutive Vice PresidentHead of Internal Audit (Comptroller)Joined Bank Niaga in 1985

Agos CholanExecutive Vice PresidentHead of Mortgage Banking Joined Bank Niaga in 2003

Paul S. HasjimExecutive Vice President Head of Operation & ITJoined Bank Niaga in 1983

Pejabat Perusahaan per 1 Januari 2006Other Senior Executives as at 1st January 2006

CORPORATE AFFAIRS (serving concurrently as a Corporate Secretary)

Rizki P. HasanSenior Vice President – Corporate Affairs Head

MORTGAGE BANKING

Juanita LuthanVice President – Mortgage I Area Manager

Laksmi MustikaningratVice President – Mortgage II Area Manager

Corina L. KarnaliesVice President – Retail Collection & Recovery Group Coordinator

Ari PurwandonoSenior Vice President – Syariah Banking Group Head

PREFERRED BANKING

Maryadi Aryo LaksmonoAssistant Vice President – Private Banking Group Coordinator

Ikky Dermabudiman Senior Vice President – Preferred Circle Group Head

RETAIL SALES & SERVICES

Gatot SubagioVice President – Retail Product & Services Dev. Group Coordinator

Mohamad HelmiVice President – Card Centre Group Head

Handoyo SoebaliSenior Vice President – Jakarta I Sales & Services Area Manager

Luki Presisa Budi UtamiVice President – Jakarta II Sales & Services Area Manager

M. Pujiono SantosoVice President – East Java Sales & Services Area Manager

Reza A. SyafniVice President – Central Java Sales & Services Area Manager

M. Arief WicaksonoAssistant Vice President – West Java Sales & Services Area Manager

Pardamean SipayungVice President – Sumatera Sales & Services Area Manager

Rahmat A. HarisAssistant Vice President – East Indonesia Sales & Services Area Coordinator

BUSINESS BANKING

Diah ParamaiswariVice President – Business Development Group Head

Sindbad Riyadi HardjodipuroSenior Vice President – Jakarta I Business Area Manager

Damianus L. HufatVice President – Jakarta II Business Area Manager

xxxiii.

INDEX

xxxiv.


Budi WasitoSenior Vice President – East Java Business Area Manager

Ignatius KoeswidyantoroVice President – Cental Java Business Area Manager

Agus HendartoVice President – West Java Business Area Manager

Ferry O. MantiriVice President – Sumatera Business Area Manager

Firman A. MoeisVice President – SME I Business Area Manager

Albert A.A. OrahVice President – SME II Business Area Manager

CORPORATE BANKING

Pandji DjajanegaraVice President – Corporate Banking I Group Head

Ridwan JahjaVice President – Corporate Banking II Group Coordinator

Teddy O.J. PunuSenior Vice President – Investment Service Group Head

Bambang Eko K.Vice President – Treasury Management Group Coordinator

OPERATION & IT

Andreas TedjaVice President – IT System Development Group Head

Suhendi MuharamAssistant Vice President – Inf. Security & System Group Coordinator

Suharto SulehVice President – IT Operation Group Head

Rudy BudimanVice President – Electronic Delivery Group Head

SuhardiantoSenior Vice President – Jakarta Operations Area Manager

Agus PasaribuAssistant Vice President – West Java Operations Area Coordinator

Noor AidlonVice President – East Java & East Indonesia Operation Area Manager

Yuri YudistiraVice President – Central Java Operations Area Manager

Nugrahanto SundoroVice President – Sumatera Operations Area Manager

RISK MANAGEMENT

Rahardjo S. UnggulSenior Vice President – Risk Management Group Head

Benny Arya S.Vice President – Credit Review & Support Group Head

FINANCE & PLANNING

Harry Iman S.Vice President – Corporate Planning Group Coordinator

L. Wulan TumbelakaSenior Vice President – Corporate Legal Group Head

Deddy E. RidwanVice President – Finance & Accounting Group Head

COMPLIANCE & HUMAN RESOURCES

Irawan SantosoSenior Vice President – Compliance Management Group Head

AwaldiVice President – Human Resources Management Group Head

Danny Tri SuryaniAssistant Vice President – Learning Management Group Coordinator

INDEX

xxxv.


Produk & LayananProducts & Services

INDEX

Pinjaman IndividuNiaga Kredit RumahMerupakan fasilitas pinjaman untuk pembelian rumah, baik baru ataupun bekas (di lingkungan real estate atau non real estate), ruko, rukan, vila, tanah, maupun renovasi rumah dengan bunga rendah, jangka waktu pinjaman hingga 20 tahun dan berbagai pilihan cara pembayaran cicilan.

Niaga Kredit MobilMerupakan fasilitas pinjaman untuk pembelian kendaraan, baik baru ataupun bekas dengan jangka waktu pinjaman sampai dengan 5 tahun dengan tingkat bunga angsuran tetap sampai jatuh tempo pinjaman.

Niaga Kredit SerbagunaAdalah fasilitas pinjaman dengan agunan rumah atau mobil, untuk membiayai aneka kebutuhan seperti liburan, kesehatan, pendidikan, pernikahan, dan segala keperluan lainnya dengan jangka waktu pinjaman hingga 3 tahun.

Niaga Kartu KreditMerupakan kartu kredit Visa/Master dengan fasilitas angsuran SEE & GET, Transfer Saldo, dan Reimbursement sebagai pengganti belanja tunai, juga layanan Niaga Travel untuk keperluan perjalanan.

Niaga Kartu Kredit MiniMerupakan kartu kredit yang berukuran mini yaitu 43% dari ukuran kartu kredit umumnya dan dapat digunakan untuk berbelanja di seluruh jaringan Visa/Visa Electron dengan program penawaran spesial berupa diskon hingga 30% di merchant Enjoy 30

TabunganTabungan Bunga HarianTabungan bagi nasabah perorangan dalam mata uang Rupiah yang bunganya dihitung berdasarkan saldo harian.

Niaga X-TraTabungan dalam mata uang Rupiah untuk nasabah perorangan yang memberikan 5 Kartu ATM Niaga dengan 1

xxxvi.


Consumer LoansNiaga Housing LoanLoan facility to purchase new or second house (in real-estate or non real estate area), shop house, office house, villa, land, as well as house renovation with low interest rate, loan tenure up to 20 years and various installment alternatives.

Niaga Car LoanLoan facility to purchase motor vehicles, either new or used, with loan tenure up to 5 years and fixed interest rate until loan maturity

Niaga Multipurpose LoanLoan facility with house or vehicle as the collateral, to finance various needs, such as vacation, health, marriage, and any other requirements with loan tenure up to 3 years.

Niaga Credit CardVisa/Master credit card with SEE & GET installment facility, transfer balance, and reimbursement as cash transaction replacement, as well as Niaga Travel Services for your travelling planner needs.

Niaga Credit Mini CardA credit card with the size of 43% of regular credit card which can be used to transact in all Visa/Visa Electron’s merchant (POS) with special discounts offering up to 30% in Enjoy 30’s merchant

Savings AccountsTabungan Bunga HarianSavings account for individual customers in Rupiah currency with daily compounded interest.

Niaga X-TraSavings account in rupiah currency for individual customers, providing flexibility and simplicity of managing all banking transactions with 5 Kartu Niaga Visa Electron and a combined financial statement. Interest is compounded daily and is tiered.



INDEX

laporan keuangan terpadu, sehingga memberikan fleksibilitas sekaligus kemudahan mengontrol seluruh transaksi dengan bunga yang dihitung berdasarkan saldo harian, dengan sistem perhitungan bunga bertingkat

Niaga PendidikanSimpanan berjangka waktu, yang khusus dirancang untuk membantu orang tua dalam perencanaan dana pendidikan bagi putra-putri dengan cara menyetor secara rutin setiap bulannya dengan jumlah dan jangka waktu yang ditetapkan sendiri.

Niaga MapanSimpanan berjangka dalam mata uang rupiah dengan sistem setoran rutin bulanan dan hanya dapat ditarik secara sekaligus pada saat jatuh tempo (disebut : Niaga Mapan Waktu) atau pada saat jumlah tabungan telah mencapai jumlah tertentu, (disebut Niaga Mapan Dana).

Niaga CerdikTabungan untuk anak dalam mata uang Rupiah yang bunganya dihitung berdasarkan saldo harian yang dapat dimiliki atas nama sendiri dengan disain buku & kartu ATM yang trendi.

Niaga DolarRekening simpanan berbunga dan berasuransi bagi nasabah perorangan dalam mata uang USD yang penarikannya dapat dilakukan sewaktu-waktu.

DepositoDeposito (Rp/ Foreign Currency)Deposito Rupiah adalah jenis simpanan berjangka yang memberikan keuntungan berupa tingkat bunga yang menarik bagi nasabah perorangan maupun perusahaan dalam mata uang rupiah dan valuta asing lainnya dengan jangka waktu 1, 3, 6, 12 bulan, dan dapat dicairkan pada saat jatuh tempo atau diperpanjang secara otomatis (Automatic Roll-Over).

Sertifikat Niaga (Seni)Simpanan berjangka bagi nasabah perorangan maupun Perusahaan dalam mata uang Rupiah yang mempunyai jangka waktu tertentu dan bunganya diperhitungkan dimuka serta dapat diperjual-belikan sampai dengan tanggal jatuh tempo

GiroGiro (Rp/ Foreign Currency)Rekening koran bagi nasabah perorangan maupun Perusahaan dalam mata uang Rupiah atau valuta asing lainnya, yang penarikannya dapat dilakukan setiap saat dengan

xxxvii.


Niaga PendidikanInstallment saving account specially designed to assist parents in their child’s education fund planning by doing a monthly deposit with a certain amount and tenure specified by customer themselves.

Niaga MapanInstallment savings account in rupiah currency with routine monthly deposit and can be withdraw on maturity date (known as : Niaga Mapan Waktu) or when the account balance reach certain amount (known as : Niaga Mapan Dana).

Niaga CerdikIs a kids’ saving account in rupiah currency in which its interest is calculated under daily balance, and it is complemented with trendy book and Visa Electron ATM card.

Niaga DollarSavings account with daily compounded interest and insurance for individual customers in US dollar currency that can be withdrawn at any time.

Deposit AccountsTime Deposits (Rp/ Foreign Currency)Rupiah Time Deposit is Rupiah denominated savings account with attractive interest rate for individual or corporate customers for the periods of 1, 3, 6, 12 months and may be withdrawn on maturity date or rolled over automatically (Automatic Roll Over).

Sertifikat Niaga (Seni)Rupiah denominated certificate of deposit for individual and corporate customers with certain tenure, in advance interest calculation, and is tradable until maturity time.

Demand DepositDemand Deposit (Rp/ Foreign Currency)Rupiah or any other foreign currencies denominated current account for individual and corporate customers that can be withdraw any time with cheque, ATM, or payment order in order to provide convenience in daily business transactions.

E-BANKINGKartu Niaga Visa ElectronATM and Debit Card convenient for spending transaction at Visa/Visa Electron sign bearer, cash withdrawal transaction at all ATM Niaga, ATM Bersama and Visa/Plus network and other banking transaction through Bank Niaga’s electronic banking facility

INDEX

menggunakan cek, bilyet giro, ATM, surat perintah pembayaran sehingga memberikan kemudahan dalam melakukan transaksi bisnis sehari-hari.

E-BANKINGKartu Niaga Visa ElectronMerupakan kartu ATM dan debit serbaguna yang dapat digunakan untuk berbelanja di tempat – tempat berlogo Visa/Visa Electron , untuk melakukan penarikan tunai di seluruh jaringan ATM Niaga, ATM Bersama, dan Visa/Plus dan transaksi perbankan lainnya melalui layanan perbankan elektronik Bank Niaga

Niaga Kartu Debit MiniMerupakan kartu debit yang berukuran mini, yaitu 43% dari ukuran kartu debit umumnya, dan dapat digunakan untuk berbelanja di tempat – tempat berlogo Visa/Visa Electron dengan program penawaran spesial berupa diskon hingga 30% di merchant Enjoy 30.

ATM NiagaMerupakan layanan perbankan elektronik 24 jam yang dapat digunakan untuk bertransaksi perbankan tunai dan non tunai dengan dengan mendatangi ATM Niaga yang terletak di berbagai lokasi strategis di Indonesia.

Niaga AccessLayanan perbankan elektronik 24 jam melalui telepon dan ponsel melalui nomor telepon 14041.

Niaga Ponsel AccessMerupakan layanan perbankan elektronik 24 jam yang dapat digunakan untuk bertransaksi perbankan melalui SMS di ponsel.

Niaga Global@ccessMerupakan layanan perbankan elektronik 24 jam yang dapat digunakan untuk bertransaksi perbankan melalui internet dengan mengakses www.bankniaga.com.

Niaga Quick PayMerupakan nama layanan pembayaran tagihan dan isi ulang pulsa yang dapat dilakukan melalui seluruh layanan perbankan elektronik Bank Niaga

EFFICientMerupakan layanan inquiry system yang berbasis internet, yang memberikan kemudahan bagi nasabah Financial Institution untuk mengakses rekening mereka lebih cepat dan real time.

xxxviii


Niaga Debit Mini CardA debit card with the size of 43% of regular debit card which can be used to transact in all Visa/Visa Electron’s merchant (POS) with special discounts offering up to 30% in Enjoy 30’s merchant

ATM Niaga24 hours electronic banking facility for all banking transaction accessible by visiting the nearest ATM Niaga located on various strategic places in Indonesia

Niaga AccessOver the phone or mobile phone 24 hours banking facility accessible by dialing 14041.

Niaga Ponsel Access24 hours electronic banking facility accessible through SMS on mobile phone.

Niaga Global@ccess24 hours banking facility for banking transaction through internet that is accessible just by cl icking on www.bankniaga.com

Niaga Quick PayBrand name for bills payment and mobile phone top up through Bank Niaga’s electronic banking facility.

EFFICientInternet based inquiry service for Financial Institutions clients providing fast and real time access to their accounts.

Cash Management Services (PC Banking)The latest electronic banking service from Bank Niaga to facilitate transaction and access to various information on an on-line realtime through computer terminal (PC) at your workplace.

SST (Self Service Terminal) Niaga24 hours electronic banking facility that can be use only for non cash banking transaction accessible by visiting SST located on various strategic places in Indonesia


INDEX

Cash Management Services (PC Banking)Layanan perbankan elektronis terkini dari Bank Niaga yang memudahkan Anda dalam melakukan transaksi dan mengakses berbagai informasi secara on-line realtime melalui terminal komputer (PC) dari tempat kerja Anda beraktivitas.

SST (Self Service Terminal) NiagaMerupakan layanan perbankan elektronik 24 jam yang dapat digunakan untuk bertransaksi perbankan non tunai dengan mendatangi SST yang terletak di berbagai lokasi strategis di Indonesia.

Perbankan Bisnis, Treasury Dan KorporasiPerwaliamanatanMemberikan layanan bagi para investor yang meliputi:• Wali Amanat: mewakili kepentingan investor atas surat

hutang• Pembayaran Pokok & Bunga Obligasi serta Dividen Saham• Agen Konversi dan Agen Tukar• Agen Penerbit, Agen Pemantau dan Agen Pengendali• Security Agent dan Escrow Agent

Jasa KustodianCustodial Services Bank Niaga adalah Local Custodial Bank pertama yang mendapatkan ijin dari Badan Pengawas Pasar Modal (Bapepam) untuk jasa Kustodian (Agustus 1991), dan juga Local Custodial Bank pertama yang ditunjuk oleh Bank Indonesia sebagai Sub Registry Obligasi Pemerintah (Febuari 2000)

Kredit UKM Pola KemitraanFasilitas pembayaran usaha bagi pemasok, distributor, subkontraktor, pemegang hak franchise atau anak angkat dari perusahaan yang terpilih sebagai mitra Bank Niaga.

Pembiayaan PerdaganganFasilitas kredit dan layanan perbankan untuk menunjang nasabah dalam kegiatan perdagangan domestik dan internasional.

PinjamanFasilitas pinjaman untuk kebutuhan modal kerja (termasuk modal kerja ekspor), investasi maupun perdagangan ekspor/impor.

Warehouse FinancingFasilitas pinjaman modal kerja dalam rangka kegiatan usahanya dengan jaminan berupa barang/komoditi yang ditempatkan di gudang (warehouse) yang dikontrol oleh collateral manager.

Business, Treasury And Corporate BankingTrust ServiceInvestment-related comprehensive services such as:• Trust Agent: representing Investor’s interest on bonds• Bond’s nominal and interest payment and share dividend• Conversion Agent and Exchange Agent• Monitoring Agent and Controlling Agent• Security Agent and Escrow Agent

Custodial ServiceBank Niaga Custodial Services is the first Local Custodian Bank licensed by Capital Market Supervisory Agency (Bapepam) for custodian service (August 1991), and also the first Local Custodian Bank appointed by Bank Indonesia for the Government Bond Sub Registry (February 2000)

Small Medium Enterprise Credit Through PartnershipBusiness financing facilities for suppliers, distributors, subcontractors, franchise license holders or SME’s endorsed by Bank Niaga’s partners.

Trade FinanceCredit facility and banking service to support customers in domestic and international business trading.

LoansLoan facilities to suit customer working capital needs, investment and trade finance.

Warehouse FinancingA working capital loan facility backed by merchandise or commodities held and controlled by a collateral manager in a warehouse.

Other ServicesKas Kilat NiagaRemittance service for Indonesian Overseas Workers (TKI) to send money to their families in Indonesia through bank to bank transfer, Weselpos Niaga and bank drafts/cheques, with easy access through Bank Niaga’s network of correspondents in Malaysia (CashLaju), Saudi Arabia (Speedcash), United Arab Emirates, Kuwait, Hong Kong and Taiwan.

Niaga Quick TransferThe forex transfer service from Bank Niaga, which is quick, cheap, safe and convenient.

Safe Deposit BoxRental facility for safe deposit box to keep valuable goods for

xxxix.


INDEX

Layanan LainnyaKas Kilat NiagaLayanan penyampaian kiriman uang dari Tenaga Kerja Indonesia (TKI) ke seluruh pelosok tanah air, melalui: transfer antar bank, Weselpos Niaga, dan Draft/Cheque serta dapat diakses melalui jaringan koresponden Bank Niaga di Malaysia (CashLaju), Saudi Arabia (Speedcash), United Arab Emirates, Kuwait, Hong Kong dan Taiwan.

Niaga Quick TransferLayanan transfer valuta asing (valas) dari Bank Niaga, yang cepat , murah , aman dan nyaman.

Safe Deposit BoxFasilitas penyewaan kotak penyimpanan barang-barang berharga bagi nasabah perorangan maupun perusahaan yang disediakan dalam berbagai ukuran sesuai kebutuhan.

Pembayaran GajiMerupakan layanan bagi nasabah Perusahaan dalam mengelola penggajian karyawan secara rutin dengan mendebet rekening giro perusahaan.

AutolinkMerupakan layanan pengelolaan dana antar rekening nasabah yang dilakukan secara otomatis dan rutin, berdasarkan instruksi dari nasabah dalam hal tanggal, jumlah atau persentase dana yang ditransfer atau penentuan jumlah dana (saldo).

Niaga Laporan Terpadu/ Niaga Combined StatementMerupakan layanan yang merangkum secara rutin rekening-rekening nasabah di Bank Niaga seperti : Giro Rupiah / Valas, Niaga Dolar, Deposito Rupiah / Valas serta Niaga Pendidikan.

Weselpos NiagaFasilitas pengiriman dana melalui Bank niaga bekerjasama dengan PT Pos Indonesia yang akan meneruskan pengiriman uang Anda ke seluruh pelosok Indonesia. Anda dapat mengirim Weselpos Niaga ke kota yang Anda tuju walaupun tidak terdapat cabang Bank Niaga dan Weselpos Niaga tersebut dapat diuangkan di Kantor Pos yang tertera di dalam Wesel tersebut.

Niaga Preferred Collection ServicesLayanan collection warkat-warkat USD yang tertarik di USA secara aman, bergaransi, cepat dan murah.

Penerimaan Setoran Pajak/ Tax PaymentMerupakan layanan penerimaan penyetoran pajak Perusahaan

both individual and corporate customers, which is provided in various sizes as required.

Corporate PayrollA banking service for Corporates to manage payroll, by debit to a Company Bilyet Giro account.

AutolinkCash management service between different account automatically and routinely, based on the customer's instruction in terms of date, amount or the percentage of cash to be transferred or retained up to desired limits.

Niaga Combined StatementA comprehensive banking service that integrates the management of all accounts under one name and presents the bank statement for the following accounts in Bank Niaga such as : Bilyet Giro Rupiah / Valas, Niaga Dolar, Deposito Rupiah / Valas and Niaga Pendidikan.

Weselpos NiagaThe facility in cooperation with PT Pos Indonesia will carry on your transfer anywhere in Indonesia. You can send Weselpos Niaga to your destination town irrespective of there being a Bank Niaga branch there, as Weselpos Niaga can be cashed in any specified Post Office.

Niaga Preferred Collection ServicesSecure, guaranteed, fast and affordable USD collection services for USD bank drafts/cheque drawn in USA

Tax PaymentA bank service to help managing Company's tax documentation and pay taxes (PPh, PPN, PPnBM, Customs and Importer's Tax) under a monitoring system using tax payment report, accessible from all branches of Bank Niaga and automatically recorded in the Tax Service office.

Syariah BankingNiaga Syariah SavingsWhen you open a Niaga Syariah Saving Account, we will immediately manage the fund you entrusted to us to the best of our ability. All you will need to do is sit back and enjoy the pre-agreed profits which have conformed with nisbah.

Niaga Syariah Demand DepositCurrent Account in Rupiah for individual and corporate customers in Wadiah scheme.This product facilitates you in performing daily business

xl.



INDEX

(PPh, PPN, PPnBM, Bea Cukai dan Pajak Impor) dengan sistem monitoring pelaporan pembayaran pajak dapat dilakukan melalui kantor cabang Bank Niaga dan akan langsung tercatat di Kantor Pajak.

Bank SyariahTabungan Niaga SyariahPada saat anda membuka rekening Tabungan Niaga Syariah, kami segera mengelola dana yang Anda percayakan dengan sebaik-baiknya. Sementara Anda tinggal menikmati keuntungan sesuai nisbah yang telah disepakati bersama sebelumnya.

Giro Niaga SyariahRekening koran bagi nasabah perorangan maupun perusahaan dalam mata uang Rupiah dengan skema Wadiah.Produk ini memberikan kemudahan dalam melakukan transaksi bisnis melalui seluruh outlet Bank Niaga dan Bank Niaga Syariah yang telah online di seluruh Indonesia.

Deposito Berjangka Niaga Syariah Investasi berjangka dalam mata uang Rupiah yang disesuaikan dengan keinginan dan kebutuhan Anda. Dengan keuntungan bagi hasil sesuai nisbah yang telah disepakati bersama.

E-Banking Niaga Syariah E-Banking Niaga Syariah hadir dengan beragam layanan untuk mempermudah mobilitas Anda. Segala transaksi dapat dilakukan tanpa harus repot dan lama mengantri.

Buah Hati Niaga SyariahTabungan yang sekaligus memberikan perlindungan asuransi untuk pendidikan buah hati tercinta. Dengan pilihan yang fleksibel dan sesuai prinsip Syariah.

Pembiayaan bisnis Niaga SyariahLayanan modal kerja dan investasi yang memberikan kemudahan untuk memperlancar usaha Anda.

Pembiayaan Kepemilikan Rumah Niaga Syariah Layanan pembiayaan untuk membantu pembelian perumahan baru atau bekas sesuai dengan prinsip Syariah.

Pembiayaan Kepemilikan Mobil Niaga Syariah Layanan yang memberikan kemudahan untuk kepemilikan mobil baru atau bekas sesuai dengan prinsip Syariah.

transactions through all Bank Niaga and Bank Niaga Syariah online outlets all over Indonesia.

Niaga Syariah Time DepositFutures investment in Rupiah with profit sharing at a pre-agreed rate which have conformed with nisbah.

Niaga Syariah E-BankingNiaga Syariah E-Banking offers a range of services to facilitate customer’s mobility. Any transaction can be done with no hassle or long queues.

Niaga Syariah Buah HatiSaving that provides insurance protection for children's education, with flexible options which also conformed with Syariah principle.

Niaga Syariah Business FinancingA working capital and investment service that will help you to accelerate your business.

Niaga Syariah Home FinancingAn easy financing service to help you purchase a new or second house which conformed with Syariah principles.

Niaga Syariah Car FinancingEasy financing service to purchase a new or used vehicle which conformed with Syariah principles.

xli.


INDEX

Kantor Pusat 1Graha NiagaJl. Jend. Sudirman Kav. 58Jakarta 12190Tel : (021) 250 5151, 250 5252, 250 5353Fax : (021) 250 5205Telex : 60876 nagaho ia

60877 nagaho iahhtp : //www.bankniaga.come-mail : [email protected]

Kantor Pusat 2Griya Niaga BintaroJl. Wahid Hasyim Blok B IV No.3Bintaro Jaya Sektor VII, TangerangTel : (021) 7486 2001

Kantor Pusat 3Gajah MadaJl. Gajah Mada No. 18, Jakarta 10130Tel : (021) 6385 7667Fax : (021) 6385 7612Telex : 45806 gamabn ia

45894 gamabn ia 45327 gamabn ia

Kantor CabangJAKARTA

Jakarta Pusat

Gajah MadaJl. Gajah Mada No. 18Jakarta 10130Tel : (021) 6385 7649, 6385 7667, 6385

7711Fax : (021) 6385 7612Telex : 45806 gamabn ia

45894 gamabn ia 45327 gamabn ia

ThamrinJl. M.H Thamrin No. 53Jakarta 10350Tel : (021) 315 6761, 315 6721Fax : (021) 315 6781Telex : 44284 thabn ia

CikiniJl. Cikini Raya N0. 71AJakarta 10330Tel : (021) 230 1005Fax : (021) 230 1236

GambirJl. Kwitang No.17–18, GambirJakarta 10110Tel : (021) 230 0687, 390 6304Fax : (021) 230 0665Telex : 69122 gbrbn ia

61415 gbrbn ia

Unika Atma JayaKampus Atma JayaJl. Jend. Sudirman Kav. 51Jakarta PusatTel : (021) 570 8802, 572 2224Fax : (021) 572 2224

KramatJl. Kramat Raya No.148Jakarta PusatTel : (021) 3190 9471, 3190 9570Fax : (021) 3190 9717

Cempaka PutihJl. Cempaka Putih Raya No. 102Jakarta PusatTel : (021) 424 2506, 424 2469Fax : (021) 4287 5765

ITC Mangga DuaRuko Tekstil Blok C VI No.1Jakarta PusatTel : (021) 601 1427, 601 9210Fax : (021) 601 1425, 601 7605

Tanah AbangKomp. Pertokoan Tanah Abang BukitBlok B No. 2Jakarta PusatTel : (021) 345 6218, 345 6228Fax : (021) 345 6223

Wisma Nugra SantanaJl. Jend. Sudirman Kav. 7-8Jakarta PusatTel : (021) 5100 0091-3Fax : (021) 5100 0096

BenhilRuko Bendungan Hilir Raya Blok A No. 15Jakarta PusatTel : (021) 579 51750 / 1, 571 4514Fax : (021) 571 4504

Gunung SahariJl. Gunung Sahari No. 73CJakarta PusatTel : (021) 421 2582Fax : (021) 421 2612

KCP PecenonganJl. Pecenongan RayaRuko Pecenongan Raya No. 17EJakarta PusatTel : (021) 384 8150 / 53Fax : (021) 384 8152

Jakarta Selatan

SudirmanGraha NiagaJl. Jend. Sudirman Kav. 58Jakarta SelatanTel : (021) 250 5050Fax : (021) 250 5458

Wisma Pondok Indah IIWisma Pondok Indah, Lt. Dasar,Jl. Sultan Iskandar Muda Blok V TAJakarta 12310Tel : (021) 769 7101Fax : (021) 769 7109

FalatehanJl. Falatehan I No. 27Jakarta SelatanTel : (021) 270 2888, 270 0555Fax : (021) 720 0207Telex : 47324 falbn ia

MahakamJl. Mahakam I No.14Jakarta SelatanTel : (021) 725 1550Fax : (021) 725 1477

xlii.


Bank Niaga DirectoriesDaftar Alamat Kantor Bank Niaga

INDEX

TebetJl. Prof Dr. Supomo SH No. 15A,TebetJakarta SelatanTel : (021) 829 5579, 830 1774-6Fax : (021) 829 9032

FatmawatiJl. Fatmawati No. 20Jakarta 12140Tel : (021) 765 6523Fax : (021) 750 4812Telex : 47981 fatbn ia

KemangJl. Kemang Raya No.3Jakarta 12730Tel : (021) 719 4462Fax : (021) 7179 1645

MampangMampang PlazaJl. Buncit Raya No. 100,Jakarta 12790Tel : (021) 798 2167, 798 2170Fax : (021) 797 0551

Bursa Efek JakartaGedung Bursa Efek Jakarta II,Lantai Dasar Suite G.06Jl. Jend. Sudirman Kav. 52-53Jakarta SelatanTel : (021) 515 4766-8Fax : (021) 515 4763

Soepomo II (Lapangan Roos)Jl. Lapangan Roos Raya No.8Jakarta SelatanTel : (021) 829 3751-7Fax : (021) 829 3758

Gran Melia KuninganGraha Surya Inter NusaJl. HR Rasuna Said Kav. X-O, KuninganJakarta 12950Tel : (021) 527 2801Fax : (021) 527 2806

Metro Pondok Indah IJl. Metro Duta NiagaPondok Indah Plaza I Blok II UA Kav. 67-69Jakarta 12310Tel : (021) 750 3541-3Fax : (021) 751 3915

CipulirJl. Cipulir Raya o. 17Jakarta SelatanTel : (021) 734 3344Fax : (021) 734 3355

ITC FatmawatiRuko ITC Fatmawati No.10Jakarta SelatanTel : (021) 7279 3900Fax : (021) 7279 8300

RPX Centre (FEDEX)Jl. Ciputat Raya Kav. 99Jakarta SelatanTel : (021) 7590 9101Fax : (021) 7590 9102

Setiabudi Building IIGround FloorJl. HR. Rasuna Said Kav. 62Kuningan, Jakarta SelatanTel : (021) 252 3236Fax : (021) 252 2376

VeteranJl. RC. Veteran No. 11-EBintaro, Jakarta SelatanTel : (021) 735 4423Fax : (021) 735 5641

Kemang IIJl. Kemang Raya No. 47-DJakarta SelatanTel : (021) 719 9812, 719 9837Fax : (021) 719 9732

AmbasadorRuko Mall Ambasador No.R-5Jl. Satrio RT 08/03Jakarta SelatanTel : (021) 5793 1047-9Fax : (021) 5793 1046

SucofindoGraha Sucofindo Lt. 1Jl. Raya Ps. Minggu Kav. 34Jakarta SelatanTel : (021) 791 88303 – 5Fax : (021) 791 88307

Permata HijauJl. Arteri Permata HijauGrogol Utara, Kebayoran LamaRuko Grand Permata Hijau Emerald No. 18Jakarta SelatanTel : (021) 5366 3250, 5366 3714 – 9Fax : (021) 5366 3251

ArcadiaPerkantoran Hijau Arcadia,Tower E, Ground FloorJl. T.B. Simatupang Kav. 88Jakarta SelatanTel : (021) 7883 7660Fax : (021) 7883 7721

Coffee BankingWisma Metropolitan I, Ground floorJl. Jend. Sudirman Kav. 29-31Jakarta SelatanTel : (021) 526 1069

PI Mall 2Mall Pondok Indah 2Ground Floor unit No. G33DJl. Metro Pondok Indah, Jakarta Selatan

BidakaraMenara Bidakara, Lobby BidakaraJl. Gatot Subroto Kav. 71-73Jakarta Selatan

Jakarta Barat

KotaJl. Roa Malaka Selatan No. 3-5, KotaJakarta 11230Tel : (021) 260 0260-6Fax : (021) 260 0258Telex : 42782 nagakt ia

xliii.


INDEX

TomangJl. Tomang Raya No. 25Jakarta 11440Tel : (021) 566 0904Fax : (021) 566 8276

Jakarta Design CentreGedung Jakarta Design CentreJl. Gatot Subroto Kav. 53Jakarta 10260Tel : (021) 549 5131,-4Fax : (021) 549 5135

Puri Indah MallPuri Indah Mall (Pintu Timur)Ruko Puri Indah, Blok A No.9Jl. Puri Agung, Puri IndahKembangan, Jakarta BaratTel : (021) 582 2639-40Fax : (021) 582 2776

Kebon JerukTaman Aries Blok H-1, No. 15-16Meruya Utara, Kebon JerukJakarta BaratTel : (021) 586 5122Fax : (021) 586 5127

Pasar PuriKCP Pasar Puri, Ruko Pasar Puri Blok A No. 9, Jakarta BaratTel : (021) 583 04751Fax : (021) 580 3359

Mangga DuaRuko Mall Mangga Dua No. 11Jakarta BaratTel : (021) 6230 3837 / 44Fax : (021) 6230 3845

Tanjung DurenRuko Tanjung Duren Raya No. 84BJakarta BaratTel : (021) 569 40094Fax : (021) 569 40096

Green GardenRuko Green Garden Blok I-9/19Jakarta BaratTel : (021) 581 0331 / 0416Fax : (021) 5830 3638

RoxyJl. K.H. Hasyim Ashari Roxy MasBlok D3 No. 15, Jakarta BaratTel : (021) 633 9484 / 77, 633 9641Fax : (021) 633 9483

Taman PalemRuko Taman Palem Blok D1 No. 2Jakarta BaratTel : (021) 5596 2942 / 49Fax : (021) 5596 2949

JogloApartemen Permata EksekutifLobby Lt. 1 Tower IIJl. Pos Pengumben RayaJakarta Barat 11550

Mall Taman AnggrekGround Level Ruang C1Jl. S Parman Kav. 21, Jakarta BaratTel : (021) 5699 9195Fax : (021) 5699 9196

Citra GardenKomp. Citra II NiagaRuko Citra II Blok B/8Jl. Utan Jati Blok H 3, KalideresJakarta BaratTel : (021) 544 1445Fax : (021) 544 1466

Jakarta Utara

Kelapa GadingJl. Boulevard Raya LB 3 No. 34-36Kelapa Gading, Jakarta 14240Tel : (021) 450 0195-6Fax : (021) 450 2365

Mega Mall PluitMega Mall Pluit Ruko No. R51Jl. Pluit Raya, Jakarta UtaraTel : (021) 6667 0399, 6667 0395Fax : (021) 6667 0396

Sunter MallJl. Danau Sunter Utara B1 G7 Kav. 11Jakarta UtaraTel : (021) 640 7418Fax : (021) 651 9541

Kelapa Gading IIJl. Raya Barat Boulevard Blok LC 8 No.6Kelapa Gading, Jakarta UtaraTel : (021) 4585 3533Fax : (021) 4585 3534

KapukPantai Indah KapukRuko Mediterania Tahap II Blok KBK, Pluit, Jakarta UtaraTel : (021) 588 4094

PulogadungGedung Sapta Mulia,Jl. Rawa Gelong V, Kav. OR. 3BPulogadung, Jakarta UtaraTel : (021) 4682 9134-5Fax : (021) 4682 8052

Jakarta Timur

KalimalangJl. Tarum Barat Blok Q No. 2Kalimalang, Jakarta 13450Tel : (021) 864 9361-4Fax : (021) 865 6029

JatinegaraJl. Jatinegara Timur No. 84Jakarta 13300Tel : (021) 8590 8405Fax : (021) 8590 8406

Gedung PratamaJl. Pemuda No. 296, RawamangunJakarta TimurTel : (021) 470 7067Fax : (021) 470 6360

CijantungJl. Pendidikan I, CijantungJakarta TimurTel : (021) 8778 1110-2Fax : (021) 8778 1115

JayabayaKampus JayabayaJl. Pulomas Selatan Kav. 23Jakarta TimurTel : (021) 470 0884, 87Fax : (021) 470 0886

xliv.



INDEX

JAWA BARAT

BANDUNG

LembongJl. Lembong No. 7, BandungTel : (022) 423 3360Fax : (022) 423 9158Telex : 28342 nagabd ia

28342 nagabd ia

DagoJl. Ir. H. Juanda No. 46,Dago, BandungTel : (022) 424 1511Fax : (022) 420 9743

Buah BatuJl. Buah Batu No. 143, BandungTel : (022) 730 5703Fax : (022) 730 5701

RiauJl. RE Martadinata No. 134, BandungTel : (022) 424 1852Fax : (022) 424 1855

ITBJl. Ganesha No. 10, Kampus ITBBandungTel : (022) 253 4152, 253 4149Fax : (022) 253 4154

Univ. Bandung Raya (UNBAR)Jl. Ph Hasan Mustafa No. 25BandungTel : (022) 710 3912Fax : (022) 721 5919

Pasir KojaGiant PlazaJl. Pasir Koja No. 245 / 193A, Ruko C3BandungTel : (022) 604 6641 - 2Fax : (022) 604 6641

CimahiJl. Raya Cibabat No. 310, Cimahi,BandungTel : (022) 663 4801-3Fax : (022) 663 4804

SukajadiJl. Sukajadi No. 184, BandungTel : (022) 203 4412Fax : (022) 203 8061

CihampelasJl. Cihampelas No. 155, BandungTel : (022) 204 2715Fax : (022) 204 0466

Pasar BaruPusat Perbelanjaan Pasar Baru Lt. 2Unit Kios D2-O3Jl. Otto Iskandardinata No. 70BandungTel : (022) 424 5002 – 4Fax : (022) 424 5001

SentrasariJl. Dr. Sutami No. 14Ruko Sentrasari Mall Blok II No. 14BandungTel : (022) 200 0057Fax : (022) 200 1522

MTCMetro Trade CentreJl. Soekarno Hatta Blok C-20BandungTel : (022) 753 6453Fax : (022) 753 6253

Cirebon

CirebonJl. Siliwangi No. 110, CirebonTel : (0231) 206 981Fax : (0231) 208 036Telex : 28507 nagacb ia

TegalwangiJl. Raya Tegalwangi No.19Cirebon – 45154Tel : (0231) 323 500 / 600, 325 466 - 71Fax : (0231) 323 400

Yos SudarsoJl. Yos Sudarso No. 15 D,E,F, CirebonTel : (0231) 223 437-9Fax : (0231) 223 462-4

TasikmalayaJl. Sutisna Senjaya No. 77TasikmalayaTel : (0265) 323 100Fax : (0265) 324 714

Bogor

PajajaranJl. Pajajaran No.33BogorTel : (0251) 313 456Fax : (0251) 320 845

Bogor Indah PlazaJl. Raya Baru, Kedung BadakBogorTel : (0251) 351 804, 351 807Fax : (0251) 351 812

Citra Gran CibuburCitra Gran Cibubur Blok R1/06BogorTel : (021) 8459 8592 - 4Fax : (021) 8459 8616

TajurRuko V Point, Jl. Pajajaran No. 1Bogor

Bekasi

Ahmad YaniJl. A Yani Blok A8 No. 15BekasiTel : (021) 8885 2401-3Fax : (021) 8885 2386

Samsung Elektronik IndonesiaJl. Jababeka RayaBlok F 29-33, CikarangBekasiTel : (021) 898 7114Fax : (021) 893 4273

Lippo CikarangRuko Menteng, Blok C No. 1Jl. MH Thamrin, Lippo CikarangBekasiTel : (021) 8990 2676Fax : (021) 8990 2668

xlv.


INDEX

Pondok GedeRuko Pondok Gede Baru Blok H No. 9BekasiTel : (021) 8499 5266 / 5135 / 5299Fax : (021) 8499 5250

CikarangPlaza JababekaJababeka, CikarangTel : (021) 8990 2674 – 76Fax : (021) 8990 2668

DepokJl. Margonda Raya 192DepokTel : (021) 7721 2080/2Fax : (021) 7721 2085

CinereJl. Cinere Raya Blok A No. 12A & 14Cinere, DepokTel : (021) 753 3977, 753 3980Fax : (021) 753 3979

SukabumiCentre SukabumiJl. RE Martadinata No.56SukabumiTel : (0266) 242 932Fax : (0266) 222 050

CianjurJl. Dr. Muardi No. 117, CianjurTel : (0263) 269 618 / 21Fax : (0263) 263 613

BANTEN

Cilegon

Wisma Permata (Krakatau Steel)Jl. KH Yasin Beji No. 2Simpang Tiga, CilegonTel : (0254) 383 550Fax : (0254) 383 551

Cilegon IIJl. A. Yani No. 135GCilegon, BantenTel : (0254) 399 940Fax : (0254) 399 919

Tangerang

Daan MogotJl. Daan Mogot No. 58, Tangerang 15111Tel : (021) 552 2830Fax : (021) 552 1064

BintaroJl. Cut Mutia IIBintaro Jaya Sektor VII, TangerangTel : (021) 745 0539, 745 2223Fax : (021) 745 2024

BSD SerpongBumi Serpong DamaiSektor IV Ext. Blok RE No. 51, TangerangTel : (021) 537 9280Fax : (021) 537 9240

PamulangPamulang Permai IBlok SH 18 No. 10, PamulangTangerangTel : (021) 742 0066, 742 0480Fax : (021) 742 0056

LG ElektronikJl. Tabri, Desa Cirarab, BitungTangerangTel : (021) 597 9745-6Fax : (021) 597 9747

CengkarengGedung PT Cargo AreaBandara Internasional Soekarno HattaCengkareng, TangerangTel : (021) 5591 5074Fax : (021) 5591 5075

KarawaciSupermall KarawaciLippo Karawaci 1200, Tangerang 15811Tel : (021) 5421 1990 / 2025 / 2026Fax : (021) 5421 1991

BandaraBandara Soekarno Hatta, Terminal EKeberangkatan EOD 68Cengkareng, TangerangTel : (021) 5594 384Fax : (021) 5594 385

ITC BSDRuko ITC BSD No. 26Jl. Pahlawan Seribu, Tangerang

JAWA TENGAH

Semarang

PemudaJl. Pemuda No. 21B, SemarangTel : (024) 351 5240Fax : (024) 354 2421Telex : 22289 nagasm ia

22129 nagasm ia

A .YaniJl. A. Yani No.136 A, SemarangTel : (024) 831 9715Fax : (024) 831 0892

BanyumanikMal Harmoni, Jl. Sukun Raya No.68Blok A-5 BanyumanikSemarangTel : (024) 747 8766Fax : (024) 747 8770

MajapahitJl. Majapahit 218C, SemarangTel : (024) 673 3216Fax : (024) 673 3122Pelindo

JurnatanJl. H.A. Salim No. 49Jurnatan, SemarangTel : (024) 358 4147 – 49Fax : (024) 358 4150

Solo

Slamet RiyadiJl. Slamet Riyadi No. 8, SoloTel : (0271) 647 955Fax : (0271) 647 391

ManahanJl. L.U. Adisutjipto No. 28, ManahanSoloTel : (0271) 712 555Fax : (0271) 711 565

xlvi.



INDEX

Pasar LegiJl. S Parman No. 79, SoloTel : (0271) 642 370-1Fax : (0271) 642 371

Salatiga

SalatigaKomp. RUKO Tamansari Shopping Centre No.7 & 8Jl. Jend. Sudirman, SalatigaTel : (0298) 329 455 / 8Fax : (0298) 329 457

Kudus

KudusJl. A. Yani No.31, KudusTel : (0291) 432 323-5Fax : (0291) 432 326Telex : 223356 nagakd ia

Magelang

MagelangJl. Tidar No. 16, MagelangTel : (0293) 364 391, 364 160Fax : (0293) 364 121Telex : 22252 nagamg ia

Purworejo

PurworejoJl. Ahmad Yani No. 2, PurworejoTel : (0275) 32 44 44Fax : (0275) 323 179

Temanggung

TemanggungJl. Jend. Sudirman No. 45TemanggungTel : (0293) 491 213Fax : (0293) 491 213

Klaten

KlatenJl. Pemuda No. 234, KlatenTel : (0272) 324 968, 327 908Fax : (0272) 327 907

Tegal

TegalCentre TegalJl. Jend. Sudirman No. 2, Tegal 52113Tel : (0283) 343 800, 343 801-343 805Fax : (0283) 343 814

Purwokerto

PurwokertoJl. Jend. Sudirman No. 417Purwokerto, Propinsi Jawa TengahTel : (0281) 642 660Fax : (0281) 642 651-2

D.I. YOGYAKARTA

SudirmanJl. Jend. Sudirman No. 13YogyakartaTel : (0274) 565 338Fax : (0274) 565 095

KatamsoGaruda, Jl. Brigjen Katamso No. 118YogyakartaTel : (0274) 373 800Fax : (0274) 410 065

Cik DitiroJl. Cik Ditiro No. 7, YogyakartaTel : (0274) 563 230, 565 925Fax : (0271) 584 440Telex : 25113 cikbn ia

BanyuradenRuko Banyuraden No. 7Jl. Godean Km. 5,5, YogyakartaTel : (0274) 621 779Fax : (0274) 621 779

GejayanJl. Gejayan No. 26A, YogyakartaTel : (0274) 557 620Fax : (0274) 557 621

JAWA TIMUR

Surabaya

DarmoJl. Raya Darmo No. 26, SurabayaTel : (031) 568 3060, 568 3013Fax : (031) 567 4354Telex : 33243 nagada ia

SateliteKom. Darmo Park I Blok V/2May. Jen. SungkonoSurabayaTel : (031) 567 8200, 566 9501Fax : (031) 561 2951

KotaJl. Stasiun Kota No. 60 A-BSurabayaTel : (031) 354 2081, 354 2085Fax : (031) 354 1591

HusadaJl. Dharmahusada No. 142SurabayaTel : (031) 594 9468Fax : (031) 594 9480

TunjunganJl. Tunjungan No. 47SurabayaTel : (031) 534 3537, 534 3539Fax : (031) 531 5430Telex : 32299 nagasb ia

SudirmanJl. P. Sudirman No. 59-61SurabayaTel : (031) 532 0050Fax : (031) 532 5510Telex : 34200 nagaps ia

34211 nagaps ia

AndayaniJl. Jemur Andayani No. 53-ASurabayaTel : (031) 843 4194, 843 8093, 843 8125Fax : (031) 843 4669


xlvii.

INDEX

PerakJl. Perak Barat No. 145SurabayaTel : (031) 357 7880, 357 7884Fax : (031) 357 7885

Kios RMIPertokoan Manyar Mega IndahJl. Ngagel Jaya Selatan G-3SurabayaTel : (031) 502 6660-2, 503 0282Fax : (031) 503 0281

RungkutJl. Rungkut Madya No. 57SurabayaTel : (031) 870 4648, 871 1079, 871

1004, 871 1106Fax : (031) 871 1120

PETRAJl. Siwalankerto, Kampus UK PetraSurabayaTel : (031) 843 9040, 849 4830,

849 4831Fax : (031) 843 6418

KertajayaJl. Raya Kertajaya No. 133–134ASurabayaTel : (031) 504 9086, 504 9072Fax : (031) 504 9087

MulyosariJl. Raya Mulyosari No. 166SurabayaTel : (031) 593 4815, 594 1826, 594 7598Fax : (031) 594 5092

Gedung Graha PenaJl. A. Yani No. 88SurabayaTel : (031) 829 9371-2Fax : (031) 829 9371

STIE PerbanasJl. Nginden Semolo No. 34-36SurabayaTel : (031) 599 7831, 592 4759Fax : (031) 599 7831

Kampus UNAIRJl. Prof. Moestopo No. 47SurabayaTel : (031) 504 2647, 501 7320Fax : (031) 504 2647

Pasar AtumPusat Perbelanjaan Pasar AtumJl. Bunguran No.45, SurabayaTel : (031) 357 3672Fax : (031) 357 3743

Rich PalaceJl. Mayjen Sungkono No. 151Ruko Rich Palace Blok R-22SurabayaTel : (031) 568 8044, 568 7754,

568 7834, 568 7924, 568 7945Fax : (031) 5687649

Pakuwon Trade CentreKomplek Pertokoan super Mall Lt. 2 Blok T1 No. 12SurabayaTel : (031) 739 0562-64, 739 0584, 739

0603-4Fax : (031) 7390561

JemursariJl. Jemursari No. 161SurabayaTel : (031) 847 6249, 847 8380Fax : (031) 847 8386

GalaxyMega GalaxyJl. Kertajaya Indah Timur 16-B/6SurabayaTel : (031) 596 8266 – 68Fax : (031) 596 8237

UNAIRKampus C UnairJl. MulyorejoSurabayaTel : (031) 591 5059Fax : (031) 591 5056

Kembang JepunJl. Kembang Jepun No. 129SurabayaTel : (031) 532 0050Fax : (031) 532 0510

KapasJl. Kapas Krampung No. 71-ASurabayaTel : (031) 6000 9212-3, 6000 9215Fax : (031) 6000 9216

Malang

MalangJl. Basuki Rahmat No. 26-28MalangTel : (0341) 363 100Fax : (0341) 327 616Telex : 31475 nagami ia

GalunggungJl. Galunggung No. 58, MalangTel : (0341) 581 505Fax : (0341) 581 506

A. YaniJl. A. Yani No. 18-E, MalangTel : (0341) 411 891Fax : (0341) 411 890

MATOSMalang Town Square (Matos)Unit GE-2 No. 11Jl. Veteran No. 2, MalangTel : (0341) 586 011Fax : (0341) 559 145

RSSARumah Sakit Dr. Saiful Anwar (RSSA)Jl. Jaksa Agung Suprapto No. 2MalangTel : (0341) 359 960Fax : (0341) 359 960

Soekarno HattaRuko Soekarno HattaJl. Soekarno Hatta No. 2-2ªMalangTel : (0341) 404 411Fax : (0341) 404 410

xlviii.



INDEX

Sidoarjo

SidoarjoJl. A. Yani No. 15-ASidoarjoTel : (031) 896 1157, 896 1159Fax : (031) 896 1327

WaruGateway WaruRuko Gateway B-9 SawotratapJl. Suparman WaruSidoarjo 61256Tel : (031) 854 2908Fax : (031) 855 4102

Gresik

GresikJl. Dr. Sutomo No. 32Gresik, SurabayaTel : (031) 398 2103, 398 3995, 398 2114Fax : (031) 398 2605

JemberJl. Gajah Mada No. 74JemberTel : (0331) 487 311Fax : (0331) 484 264

Kediri

KediriJl. Dipenogoro No. 140Kediri, Jawa TimurTel : (0354) 671 777Fax : (0354) 683 995, 671 777-8

BALI

Badung

DenpasarJl. Melati No. 29DenpasarTel : (0361) 232 929Fax : (0361) 263 510Telex : 35633 nagabl ia

Gatot SubrotoJl. Gatot Subroto No. 777XDenpasarTel : (0361) 428 585Fax : (0361) 415 844

SriwijayaKomplek Pertokoan Sriwijaya, A-8Kuta - BaliTel : (0361) 765 175Fax : (0361) 759 749

JimbaranJl. Kembar Kampus Unud No. 1Jimbaran, Badung, DenpasarTel : (0361) 742 1658Fax : (0361) 704 271

Teuku UmarRukan TelkomJl. Teuku Umar No. 4-5, DenpasarTel : (0361) 236 779Fax : (0361) 236 950, 236 884

Gianyar

UbudJl. Wanara Wana No. 9A (Monkey Forest)Ubud, Kab. Gianyar, BaliTel : (0361) 972 339Fax : (0361) 972 340

SUMATRA UTARA

Medan

Bukit BarisanJl. Pos (d/h Bukit Barisan) No. 07Medan 20111Tel : (061) 415 5445, 451 2256Fax : (061) 453 0142Telex : 51662 mdnbn ia

52157 mdnbn ia

Gajah MadaJl. Gajah Mada No. 11Medan 20153Tel : (061) 415 1100Fax : (061) 452 4664Telex : 51662 mdnbn ia

52157 mdnbn ia

Thamrin PlazaJl. Thamrin No. 75-RMedanTel : (061) 735 1135Fax : (061) 735 7232

JuandaJl. Ir. H Juanda No. 14MedanTel : (061) 452 8534Fax : (061) 452 8551

Kawasan Industri MedanJl. Sumatera No. 7MedanTel : (061) 684 0080Fax : (061) 685 0090

Medan MallJl. Pusat Pasar No. 10AMedanTel : (061) 452 8877Fax : (061) 452 4244

AksaraJl. Aksara No. 56, MedanTel : (061) 733 0707Fax : (061) 735 4807

PetisahJl. Gatot Subroto No. 79MedanTel : (061) 455 3344Fax : (061) 455 2244

GlugurJl. Kom Yos Sudarso No. 14A/49AMedanTel : (061) 663 4231Fax : (061) 661 9566

Binjai

BinjaiKCP BinjaiJl. Jend. Sudirman No. 292-294, BinjaiTel : (061) 882 0001Fax : (061) 882 0002

xlix.


INDEX

KEPULAUAN RIAU

BatamJl. Laksamana BintanKomp. Executive CentreBlok I No. 1 ABC, Sei PanasBatam (Commercial)Tel : (0778) 426 777Fax : (0778) 454 373

NagoyaKomplek Nagoya Business Centre Blok 6/26, Nagoya, BatamTel : (0778) 432 832Fax : (0778) 432 834

Hang KesturiJl. Hang Kesturi KM IVKabil Indonusa EstateBatam

Top 100Kompleks Pertokoan Plaza TOP 100 Penuin, Blok A No. 11, Batam

Riau

PekanbaruJl. Jend. Sudirman Bo. 255 CDPekanbaruTel : (0761) 298 68, 295 65Fax : (0761) 298 38

DuriJl. Hangtuah No. 410, DuriPekanbaruTel : (0765) 594 760, 591 643Fax : (0765) 594 750

NangkaJl. Nangka / Tuanku TambuasaiKomplek Taman Melia Blok B No. 7PekanbaruTel : (0761) 572 028Fax : (0761) 572 023

SUMATERA SELATAN

Palembang

PalembangJl. Jend. Sudirman No. 132 BPalembang, Sumatera SelatanTel : (0711) 377 770, 377 778Fax : (0711) 377 755

LAMPUNG

LampungJl. Laks. Malahayati No. 34-40LampungTel : (0721) 489 630-1, 485 773Fax : (0721) 483 296

Raden IntanJl. Raden Intan No. 140ABandar LampungTel : (0721) 259 877Fax : (0721) 259 787

KALIMANTAN TIMUR

Balikpapan

BalikpapanKompleks Ruko Bandar Balikpapan Blok C-12A & 14Jl. Jend. Sudirman, Klandasan UluBalikpapanTel : (0542) 739 200Fax : (0542) 739 201

Mall FantasyMall Fantasy Balikpapan BaruTel : (0542) 875 609Fax : (0542) 876 475

SULAWESI UTARA

ManadoJl. Sam Ratulangi No. 205Manado, Sulawesi UtaraTel : (0431) 863 100, 844 008Fax : (0431) 860 400

SisingamangarajaJl. Sisingamangaraja No. 34Calaca, ManadoTel : (0431) 878 524Fax : (0431) 878 527

SULAWESI SELATAN

Makassar

MakassarJl. Ahmad Yani No. 33MakassarTel : (0411) 318 718, 310 741-2Fax : (0411) 317 049

PanakkukangJl. Raya Boulevard Ruko Rubby No. 2PanakkukangMakassarTel : (0411) 456 284-5Fax : (0411) 456 286

KakatuaJl. Kakatua No. 150MakassarTel : (0411) 811 338 / 871 891Fax : (0411) 811 0338

LosariKCP LosariJl. Penghibur No. 62MakassarTel : (0411) 321 903Fax : (0411) 321 925

PAPUA

Mimika

Kuala KencanaSuite 103, Kuala Kencana CentreMimika, Papua 99920Tel : (0901) 301 234Fax : (0901) 301 233

Tembaga Pura ISingle Shoping, Mimika,Tembagapura, Papua 99930Tel : (0901) 351 234-5, 351 286Fax : (0901) 351 233

l.



INDEX

Tembaga Pura IIFamily Shoping Centre, Mimika,Tembagapura, Papua 99930Tel : (0901) 352 333Fax : (0901) 352 352

Ridge CampRidge Camp, MimikaTembagapura, Papua 99930Tel : (0901) 412 867

Yos SudarsoJl. Yos Sudarso No. 19ATimika, Mimika, Papua 99910Tel : (0901) 323 684-6, 323 688Fax : (0901) 323 684

LUAR NEGERI

CAYMAN ISLANDSElizabethan SquareElizabethan Square, Phase III, 3rd FloorGrand Cayman, Cayman IslandsBritish West IndiesTel : (1-345) 945 2003

BANK NIAGA CARD CENTRE

JAKARTA

Kantor Pusat 2Griya Niaga BintaroJl. Wahid Hasyim Blok B IV No.3Bintaro Jaya Sektor VII, TangerangTel : (021) 7486 2001

JAWA BARAT

Bandung

DagoJl. Ir. H. Juanda No. 46, Bandung 40115Tel : (022) 423 2311Fax : (022) 423 1967

JAWA TENGAH

SemarangCabang Ahmad YaniJl. A. Yani No. 136A, Semarang 50241Tel : (024) 831 9715Fax : (024) 831 0892

D.I. YOGYAKARTA

SudirmanJl. Jend. Sudirman No. 13YogyakartaTel : (0274) 565 338Fax : (0274) 565 095

JAWA TIMUR

Surabaya

Stasiun KotaJl. Stasiun Semut, Kota, No. 60 A-BSurabaya – Jawa TimurTel : (031) 356 4040 – 43Fax : (031) 356 4030

BALI

Denpasar

MelatiJl. Melati No. 29Denpasar 80233Tel : (0361) 232 929Fax : (0361) 263 510

SUMATERA UTARA

Medan

Medan MallJl. Pusat Pasar No. 10BMedanTel : (061) 4565 768Fax : (061) 4565 774

PEKAN BARU

Pekan Baru

SudirmanJl. Jend. Sudirman No. 255 CDPekan Baru 28111Tel : (0761) 295 65Fax : (0761) 298 68

PAPUA

TimikaKuala KencanaSuite 103 – Kuala Kencana CentreTimikaTel : (0901) 301 833Fax : (0901) 301 233

UNIT USAHA SYARIAH

Jakarta Selatan

Syariah VictoriaLobby Gedung VictoriaJl. Hasanudin No.47-51, Kebayoran BaruJakarta SelatanTel : (021) 726 8050-1Fax : (021) 725 5557

Syariah Graha NiagaGraha NiagaJl. Jend. Sudirman Kav. 58Jakarta SelatanTel : (021) 250 6634Fax : (021) 250 6635

Syariah Metro Pondok Indah IMetro Pondok Indah IPondok Indah Plaza I,Blok II UA Kav.67-69, Jakarta SelatanTel : (021) 769 6585, 769 6673Fax : (021) 769 6632

Syariah SupomoJl. Prof. Dr. Supomo, SH No.15ATebet, Jakarta SelatanTel : (021) 830 1774-5Fax : (021) 837 83849


li.

INDEX

Jakarta Pusat

Syariah CikiniJl. Cikini Raya No.71 A, Jakarta PusatTel : (021) 390 4875, 314 3205Fax : (021) 390 8781

BANTEN

Tangerang

Syariah BintaroGriya Niaga I BintaroJl. Wahid Hasyim Blok B-4/3Bintaro Jaya Sektor VIIPusat Kawasan Niaga Terpadu

JAWA TIMUR

Syariah DarmoJl. Darmo No. 75, SurabayaTel : (031) 566 2900Fax : (031) 566 9377

ANAK PERUSAHAAN DAN AFILIASI

PT. Saseka Gelora FinanceMega Plaza, Lantai 6Jl. HR Rasuna Said Kav C3Jakarta 12920Tel : (021) 521 2626Fax : (021) 521 2577, 521 2588

PT. Niaga Aset Manajemen(Bank Niaga Cabang Kemang)Jl. Kemang Raya No. 3, Jakarta 12730Tel : (021) 719 9363Fax : (021) 719 9361, 719 9369

PT Asuransi CIGNAMenara Kadin Indonesia, Lt.6Jl. HR. Rasuna SaidBlok X-5 / Kav.02-03, Jakarta SelatanTel : (021) 5299 6098 / 6000Fax : (021) 5299 6001

lii.



INDEX

Stock ExchangeThe common stock of PT Bank Niaga Tbk (trading symbol BNGA) is listed on the Jakarta Stock Exchange (JSX) and Surabaya Stock Exchange (SSX).

Independent Public AccountantsKAP Haryanto Sahari & RekanGedung PricewaterhouseCoopersJl. H.R. Rasuna Said Kav X-7 No. 6Jakarta 12940Phone : (62-21) 521 2901Fax : (62-21) 5290 5555, -5050

Share RegistrarPT. Sirca Datapro PerdanaWisma Sirca, Jl. Johar No. 18, Menteng, Jakarta PusatPhone : (62-21) 390 5920, 314 0032, 390 0645Fax : (62-21) 390 0652, 314 0185

Annual General Meeting of Shareholder PT Bank Niaga TbkThursday, 6 April 2006.At 2 – 4 PMAt Multifunction RoomGraha Niaga 2nd FloorJl. Jend. Sudirman Kav. 58 – Jakarta 12190, Indonesia

Agenda is as follows:1. Approval of The Company’s Annual Report and Ratification

on Company’s Consolidated Annual Report for Financial Year Ended on 31 December 2005;

2. Determination of use of profit for Financial Year Ended on 31 December 2005;

3. Appointment of Public Accountant for Financial Year 2006 and Determination of its Honorarium and any other requirements regarding such appointment;

4. Determination of the amount of salary/ honorarium and other allowance of the members of the Board of Commissioners and the Board of Directors of the Company.

5. Change of Company’s Board of Commissioners;6. Change of Company’s Article of Association;7. Others: Report on the use of funds received from Limited

Public Offering IV.

Bursa EfekSaham PT Bank Niaga Tbk (kode BNGA) dicatat dan diperdagangkan pada Bursa Efek Jakarta (BEJ) dan Bursa Efek Surabaya (BES).

Akuntan PublikKAP Haryanto Sahari & RekanGedung PricewaterhouseCoopersJl. H.R. Rasuna Said Kav X-7 No. 6Jakarta 12940Phone : (62-21) 521 2901Fax : (62-21) 5290 5555, -5050

Biro Administrasi EfekPT. Sirca Datapro PerdanaWisma Sirca, Jl. Johar No. 18, Menteng, Jakarta PusatPhone : (62-21) 390 5920, 314 0032, 390 0645Fax : (62-21) 390 0652, 314 0185

Rapat Umum Pemegang Saham Tahunan PT Bank Niaga TbkKamis, 6 April 2006.Pukul 14.00 s/d 16.00 WIBBertempat di Multifunction RoomGraha Niaga Lt. 2Jl. Jend. Sudirman Kav. 58 – Jakarta 12190, Indonesia

Agenda RUPST adalah sebagai berikut:1. Persetujuan atas laporan tahunan Perseroan dan

pengesahan perhitungan tahunan Perseroan untuk tahun buku yang berakhir pada tanggal 31 Desember 2005;

2. Penetapan Penggunaan Laba Perseroan untuk Tahun Buku yang berakhir pada tanggal 31 Desember 2005;

3. Penunjukan Akuntan Publik Perseroan untuk tahun buku 2006 dan penetapan honorarium serta persyaratan lain berkenaan dengan penunjukan tersebut;

4. Penetapan besarnya gaji/honorarium dan tunjangan lain bagi anggota Dewan Komisaris dan Direksi Perseroan;

5. Perubahan susunan Dewan Komisaris Perseroan;6. Perubahan Anggaran Dasar Perseroan;7. Lain-lain: Pelaporan Realisasi Dana Hasil Penawaran Umum

Terbatas IV Perseroan.

liii.


Additional InfoInformasi Tambahan

INDEX

liv.


Yang bertandatangan di bawah ini telah membaca dan memeriksa dengan seksama serta menyetujui isi dari Naskah Laporan Tahunan Perseroan tahun 2005 terlampir, yang didalamnya juga memuat Laporan Keuangan Perseroan untuk tahun buku 2005.

The Undersign has read and duly examined and approved the Annual Report of the Company for the year 2005 which includes the Financial Statement of the year 2005.

Yang bertandatangan / The Undersign

Gunarni SoeworoWakil Presiden Komisaris / Vice President Commissioner

Datuk Hamzah BakarKomisaris / Commissioner

Dato’ Halim MuhamatKomisaris / Commissioner

Prof. Dr. Roy Hendra Michael Sembel*Komisaris / Commissioner

Sigid MoerkardjonoKomisaris / Commissioner

Ananda BarataKomisaris / Commissioner

DR. Roslan A. GhaffarKomisaris / Commissioner

Surat Pernyataan KomisarisCommissioners’ Statement

* Berlaku efektif terhitung sejak diperolehnya persetujuan dari Bank Indonesia pada 19 Desember 2005Officially effective since Bank Indonesia approval on December 19, 2005

Mohd Shukri Hussin akan berlaku efektif setelah diperolehnya persetujuan dari Bank IndonesiaMohd Shukri Hussin will be officially effective after Bank Indonesia approval

Dr. Rozali Mohamed AliPresiden Komisaris / President Commissioner

INDEX

Yang bertandatangan di bawah ini telah membaca dan memeriksa dengan seksama serta menyetujui isi dari Naskah Laporan Tahunan Perseroan tahun 2005 terlampir, yang didalamnya juga memuat Laporan Keuangan Perseroan untuk tahun buku 2005.

The Undersign has read and duly examined and approved the Annual Report of the Company for the year 2005 which includes the Financial Statement of the year 2005.

Yang bertandatangan / The Undersign

Peter B. StokPresiden Direktur / President Director

Hashemi AlbakriWakil Presiden Direktur / Vice President Director

Daniel James RompasDirektur / Director

Tay Un SooDirektur / Director

Andi Mohammad Hatta*Direktur / Director

C. Heru BudiargoDirektur / Director

V. Catherinawati HadimanDirektur / Director

lv.


Directors’ StatementSurat Pernyataan Direksi

* Untuk periode 1 Januari - 25 Agustus 2005For Period January 1 - August 25, 2005

INDEX

lvi.


CatatanNotes

INDEX

Kantor Pusat / Head OfficeGraha NiagaJl. Jend. Sudirman Kav. 58 Jakarta 12190Tel : (021) 250 5151, 250 5252, 250 5353 Fax : (021) 250 5205www.bankniaga.com

INDEX

18. corp datax

Documents