Data Perusahaan. Corporate Data. OCBC NISP Annual Report 2011

Transkripsi

1 435 Data Perusahaan Corporate Data OCBC NISP Annual Report 2011

2 436 Profil Dewan Komisaris Profile of The Board of Commissioners Pramukti Surjaudaja Presiden Komisaris Warga Negara Indonesia, 49 tahun. Presiden Komisaris Bank OCBC NISP sejak 16 Desember Sebelumnya menjabat sebagai Presiden Direktur sejak April 1997 dan Direktur (1989-April 1997). Komisaris Bank OCBC Indonesia tahun Non Executive Director di OCBC Bank-Singapura sekarang. Ketua Komite Tetap Penguatan Keuangan Korporat di Kadin Indonesia ( ). Mengikuti Executive Program di Stanford University, Massachusetts Institute of Technology, Insead, dan International Relations Program International University of Japan, Niigata, Jepang. Executive Training di Daiwa Bank New York, London, Hong Kong, Tokyo. Meraih gelar MBA (Banking) dari Golden Gate University, USA, dan BSc (Banking and Finance) dari San Francisco State University, AS, Penugasan Khusus 1. Anggota Komite Remunerasi & Nominasi 2. Anggota Komite Pemantau Risiko Special Assignment 1. Member Remuneration & Nomination Committee 2. Member of Risk Monitoring Committee Best CEO Award Majalah SWA Best CEO Award Business Review Most Prominent Banker Award Majalah Investor Outstanding Entrepreneur Awards Asia Pasific Entrepreneurship Chairman Indonesian Citizen, age 49. Chairman of Bank OCBC NISP since December 16, Previously served as President Director since April 1997 and Director (1989-April 1997). Appointed as Commissioner of Bank OCBC Indonesia Non Executive Director at OCBC Bank-Singapore present. Chairman of Standing Committee for Corporate Finance at Indonesian Chamber of Commerce ( ). Participated in the Executive Program at Stanford University, Massachusetts Institute of Technology, Insead, and International Relations Program of International University of Japan, Niigata, Japan. Executive Training at Daiwa Bank in New York, London, Hong Kong, Tokyo. Earned his MBA (Banking) degree from Golden Gate University, USA, 1986, and his BSc (Banking and Finance) degree from San Francisco State University, USA, Best CEO Award SWA Magazine Best CEO Award Business Review Most Prominent Banker Award Investor Magazine Outstanding Entrepreneur Awards Asia Pasific Entrepreneurship Peter Eko Sutioso Wakil Presiden Komisaris (Komisaris Independen) Warga Negara Indonesia, 71 tahun. Wakil Presiden Komisaris Bank OCBC NISP sejak 24 November sekarang. Komisaris (5 Juni November 1998), Direktur (1972-April 1997). Bekerja di Bank NISP sejak tahun Aktif di kepengurusan Perbanas Jabar sebagai Ketua Umum Perbanas Jawa Barat ( ), dan aktif di kepengurusan BMPD Jawa Barat ( ). Menyelesaikan pendidikan Sarjana Hukum dari Universitas Padjadjaran, Bandung pada tahun Penugasan Khusus 1. Anggota Komite Audit 2. Anggota Komite Remunerasi & Nominasi Special Assignment 1. Member of Audit Committee 2. Member of Remuneration & Nomination Committee Deputy Chairman (Independent Commissioner) Indonesian Citizen, age 71. Deputy Chairman of Bank OCBC NISP since November 24, present. Served as Commissioner (June 5, November 23, 1998), Director (1972-April 1997). Joined Bank NISP in Active in Perbanas (Indonesian Banking Association) West Java as Chairman of Perbanas West Java ( ), and active in BMPD West Java ( ). Completed his studies in Law from Padjadjaran University, Bandung in OCBC NISP Laporan Tahunan 2011

3 437 Penugasan Khusus 1. Ketua Komite Remunerasi dan Nominasi 2. Anggota Komite Pemantau Risiko Special Assignment 1. Chairman Remuneration & Nomination Committee 2. Member of Risk Monitoring Committee Roy Athanas Karaoglan Komisaris Independen Warga Negara Amerika Serikat, 76 tahun. Komisaris Bank OCBC NISP sejak 8 September 2003 dan sekaligus sebagai Konsultan di International Finance Corporation (IFC) sejak tahun Associate Director di Credit Review Department, IFC sejak tahun , Senior Banking Advisor di IFC tahun , Chief Banking Specialist di Central Capital Markets Department di IFC tahun dan Senior Banking Specialist untuk wilayah Afrika, World Bank Telah mempelajari lebih dari bank/lembaga keuangan di 95 negara. Menyelesaikan PhD di bidang Ekonomi dari Columbia University pada tahun Independent Commissioner United States of America Citizen, age 76. Commissioner of Bank OCBC NISP since September 8, 2003 and concurrently as Consultant for the International Finance Corporation since Associate Director of Credit Review Department, IFC from , Senior Banking Advisor at IFC for , Chief Banking Specialist in Central Capital Markets Department at IFC from and Senior Banking Specialist for Africa, World Bank for Have interacted with more than 1,500 banks/financial institutions in 95 countries. Obtained his PhD in Economics from Columbia University in Background of Bank OCBC NISP From Management GCG Report David P. Conner Komisaris Penugasan Khusus 1. Anggota Komite Remunerasi dan Nominasi 2. Anggota Komite Pemantau Risiko Special Assignment 1. Member of Remuneration and Nomination Committee 2. Member of Risk Monitoring Committee Warga Negara Amerika Serikat, 63 tahun. Komisaris Bank OCBC NISP sejak 11 Agustus Chief Executive Officer OCBC Bank-Singapura sejak tahun Direktur di beberapa perusahaan antara lain Great Eastern Holding Ltd., Bank of Singapore Ltd. (sejak 2005), Lion Global Investor Ltd. ( sekarang), dan OCBC Bank (Malaysia) Berhad (sejak 2002). Memiliki pengalaman yang sangat luas di sektor perbankan untuk wilayah Asia Pasifik. Pernah bekerja selama 25 tahun di Citibank N.A ( ) dan menduduki jabatan sebagai Managing Director dan Marketing Manager untuk Citibank Jepang ( ). Tahun menjabat sebagai Chief Executive Officer untuk Citibank India. Sebelumnya menjabat sebagai Country Corporate Officer untuk Citibank Singapura. Menyelesaikan pendidikan Bachelor of Arts dari Washington University di St. Louis tahun 1974 dan Master of Business Administration (MBA) dari Columbia University New York tahun Commissioner United States of America Citizen, age 63. Commissioner of Bank OCBC NISP since August 11, Chief Executive Officer of OCBC Bank-Singapore since Concurrently Director in a number of companies, including Great Eastern Holding Ltd., Bank of Singapore Ltd. (since 2005), Lion Global Investor Ltd. ( present), and OCBC Bank (Malaysia) Berhad (since 2002). Has extensive experience in the banking sector in the Asia Pacific region. Previously worked for 25 years in Citibank N.A ( ) and served as Managing Director and Marketing Manager for Citibank Japan since From appointed as Chief Executive Officer for Citibank India. Previously was Country Corporate Officer for Citibank Singapore. Operational Review Financial Review Corporate Data Obtained Bachelor of Arts from Washington University in St. Louis in 1974 and Master of Business Administration (MBA) from Columbia University New York in OCBC NISP Annual Report 2011

4 438 Profil Dewan Komisaris Profile of The Board of Commissioners Jusuf Halim Komisaris Independen Warga Negara Indonesia, 55 tahun. Komisaris Independen Bank OCBC NISP sejak 11 Oktober Aktif di beberapa organisasi profesi antara lain sebagai Anggota Dewan Pengurus Nasional IAI ( ), Anggota Dewan Kehormatan IKAI ( ) dan Council Member - Asean Federation of Accountants (sejak 2011). Berpengalaman sebagai akuntan publik selama 23 tahun, Ketua Komite Standar Akuntansi Keuangan ( ), Ketua Dewan Penguji Ujian Sertifikasi Akuntan Publik ( ) dan dosen pascasarjana di Fakultas Ekonomi Universitas Indonesia. Memperoleh gelar Sarjana Akuntansi Fakultas Ekonomi Universitas Indonesia (1982), Magister Hukum Fakultas Hukum Universitas Pelita Harapan (2003) dan Doktor di bidang Manajemen Stratejik, Universitas Indonesia (2009). Penugasan Khusus 1. Ketua Komite Audit Special Assignment 1. Chairman of Audit Committee Independent Commissioner Indonesian Citizen, age 55. Independent commissioner of Bank OCBC NISP since October 11, Plays an active role in a few professional organizations, among others, as a Member of National Council Board - the Indonesian Institute of Accountants ( ), a Member of Honorary Board - the Indonesian Institute of Audit Committee ( ) and as a Council Member of Asean Federation of Accountants (since 2011). Experienced in public accounting practice for 23 years, Chairman of Financial Accounting Standard Committee ( ), Chairman of CPA Examination Board ( ) and as a lecturer in undergraduate and graduate schools, Faculty of Economics University of Indonesia. Obtained a Bachelor of Accounting, University of Indonesia (1982), Master of Business Law, Pelita Harapan University (2003) and PhD in Strategic Management, University of Indonesia (2009). Lai Teck Poh (Dua Teck Poh) Komisaris Warga Negara Singapura, 67 tahun. Komisaris Bank OCBC NISP sejak 29 Agustus Bekerja di Citibank NA dengan posisi terakhir sebagai Head of Corporate Account Management ( ). Citicorp Investment Bank (Singapura) Ltd dengan posisi terakhir sebagai Direktur ( ). OCBC Ltd dengan posisi terakhir sebagai Direktur ( ). OCBC Bank (Malaysia) Berhad sebagai Non Executive Director (2011-sekarang). Memperoleh Bachelor of Arts (Hons) dari University of Singapore pada tahun Mengikuti Program Pengembangan Eksekutif di Cornell University, USA tahun 1977, Pelatihan Risk Management di INSEAD (2003) selain itu juga mengikuti berbagai pelatihan di bidang Manajemen Risiko, Akunting, GCG, dan Manajemen. Penugasan Khusus 1. Anggota Komite Pemantau Risiko Special Assignment 1. Member of Risk Monitoring Committee Commissioner Singaporean Citizen, age 67. Commissioner of Bank OCBC NISP since August 29, Worked in Citibank NA with the latest position as Head of Corporate Account Management ( ), then with Citicorp Investment Bank (Singapore) Ltd given his latest position as Director ( ). Served with OCBC Ltd with the latest position as Director ( ), and then with OCBC Bank (Malaysia) Berhad as Non Executive Director (2011-present). Received Bachelor of Arts (Hons) from the University of Singapore in Participated in the Executive Development Program at Cornell University, USA in 1977; Risk Management Training at INSEAD (2003) as well as various training programs in the areas of Risk Management, Accounting, GCG and Management. OCBC NISP Laporan Tahunan 2011

5 439 Penugasan Khusus 1. Ketua Komite Pemantau Risiko Special Assignment 1. Chairman of Risk Monitoring Committee Kwan Chiew Choi Komisaris Independen Warga Negara Singapura, 63 tahun. Komisaris Bank OCBC NISP sejak 1 Januari Bekerja di Sumitomo Bank Ltd, Singapore dengan posisi terakhir sebagai Loans Department Manager ( ). Hock Seng Hardware Pte, Ltd sebagai General Manager (1983). First National Bank of Chicago (Singapura) sebagai Vice President of Corporate Banking ( ). OCBC Bank Ltd dengan posisi terakhir sebagai Senior Vice President & Head Credit Control and Approval ( ). PT Bank OCBC Indonesia sebagai Komisaris Independen ( ). Memperoleh Bachelor of Social Science (Hons) dari University of Singapore pada tahun Independent Commissioner Singaporean Citizen, age 63. Commissioner of Bank OCBC NISP since January 1, Worked in Sumitomo Bank Ltd, Singapore with his last position as Loans Department Manager ( ). Hock Seng Hardware Pte, Ltd as General Manager (1983). First National Bank of Chicago (Singapore) as Vice President of Corporate Banking ( ). OCBC Bank Ltd with the latest position as Senior Vice President & Head Credit Control and Approval ( ). PT Bank OCBC Indonesia as Independent Commissioner ( ). Received Bachelor of Social Science (Hons) from the University of Singapore in Background of Bank OCBC NISP From Management GCG Report Corporate Data Financial Review Operational Review OCBC NISP Annual Report 2011

6 440 Profil Komisaris Emeritus dan Senior Advisor Profile of Commisioners Emeritus and Senior Advisor Karmaka Surjaudaja Komisaris Emeritus Warga Negara Indonesia, 78 tahun. Chairman Emeritus dan Senior Advisor sejak Desember Presiden Komisaris Bank OCBC NISP Sebelumya menjabat sebagai Presiden Direktur ( April 1997) dan Direktur Operasional Bank ( ). Wakil Presiden Komisaris PT Bank OCBC Indonesia (sekarang bergabung dengan Bank OCBC NISP) ( ). Anggota Dewan Audit Daiwa Perdania Bank ( ). Komisaris Utama PT Suryasono Sentosa (sejak 1994-sekarang). Komisaris PT Udayawira Utama ( ). Komisaris Daiwa Perdania Bank ( ). Direktur Pertenunan & Perdagangan PT Dharma Kusuma ( ). Wakil Pimpinan Perusahaan Dyng, Finishing dan Printing NV Padasuka, Majalaya ( ) Institute Bankir Indonesia: Gelar Kehormatan Fadil Honoris. Commissioners Emeritus Indonesian citizen, age 78. Chairman Emeritus and Senior Advisor Bank OCBC NISP since December Chairman of Bank OCBC NISP Previously served as President Director ( ) and Director of Operations ( ). Deputy Chairman of PT Bank OCBC Indonesia (currently merge with Bank OCBC NISP) ( ). Member of Board of Auditors of Daiwa Perdania Bank ( ). Chairman of PT Suryasono Sentosa since present. Commissioner of PT Udayawira Utama ( ). Managing Director of Weaving & Trading PT Dharma Kusuma ( ). Deputy President Director of Dyng Company, Finishing and Printing NV Padasuka, Majalaya ( ). Earned the highest rank Fadil Honoris from Indonesian Institute of Bankers. Lelarati Lukman Komisaris Emeritus Warga Negara Indonesia. 72 tahun. Komisaris Emeritus Bank OCBC NISP sejak Maret Sebelumnya menjabat sebagai Komisaris pada tahun Komisaris Utama PT Udayawira Utama ( ). Direktur Utama PT Udayawira Utama ( ). Komisaris PT Suryasono Sentosa ( ). Pendiri Bio-Test Medical Laboratories di Bandung, Surabaya, dan Jakarta. Commissioners Emeritus Indonesia Citizen. Age 72. Commissioner Emeritus of Bank OCBC NISP since March Previously served as Commissioner of Bank OCBC NISP Chairwoman of PT Udayawira Utama ( ). President Director of PT Udayawira Utama ( ). Commissioner of PT Suryasono Sentosa ( ). Founder of Bio-Test Medical Laboratories Foundation in Bandung, Surabaya, and Jakarta. OCBC NISP Laporan Tahunan 2011

7 Profil Senior Advisor Profile of Senior Advisor 441 Wong Nang Jang Senior Advisor Warga Negara Singapura, 73 tahun. Senior Advisor Bank OCBC NISP sejak 2008-sekarang. Sebelumnya menjabat sebagai Komisaris Bank OCBC NISP ( ). Bekerja di OCBC Bank Singapura selama lebih dari 20 tahun dengan posisi terakhir sebagai Wakil Presiden Direktur dan Direktur ( ). Chairman di WBL Corporation Ltd. (sejak ). Direktur Pacific Mas Berhad (sejak 1989-sekarang). Menyelesaikan pendidikan Bachelor of Arts with Honours in Economics dari University of Singapura pada tahun Senior Advisor Singaporean citizen, age 73. Senior Advisor Bank OCBC NISP since 2008-present. Previously served as Commissioner of Bank OCBC NISP ( ) and Director of OCBC Bank Singapore with last position as Deputy President and Director ( ). Chairman WBL Corporation Ltd. ( ). Director of Pacific Mas Berhad (since 1989-present). Background of Bank OCBC NISP From Management Earned Bachelor of Arts with Honors in Economics from University of Singapore in Rukita Surjaudaja Senior Advisor GCG Report Warga Negara Indonesia. 51 tahun. Senior Advisor Bank OCBC NISP sejak tahun 2007 sekarang. Sebelumnya menjabat sebagai Komisaris Bank OCBC NISP pada tahun dan Direktur PT Suryasono Sentosa (1994 sekarang). Direktur Utama PT Udayawira Utama ( ). Dosen Fakultas Kedokteran Gigi Universitas Padjajaran, Bandung (1985 sekarang). Pengurus Laboratorium Klinik Biotest (1982 sekarang). Direktur PT Biolaborindo Makmur Sejahtera (2002 sekarang). Komisaris PT GELIndo (Dec 2007 sekarang). Direktur PT Dana Udaya Sentosa (2007 sekarang). Direktur PT Surya Bio Abadi (2008 Sekarang). Komisaris PT Sosial Enterprener Indonesia (2008 sekarang). Komisaris Utama PT NISP Asset Management (2011 sekarang). Operational Review Spesialis Ortodonti, Universitas Padjadjaran, Bandung (1997). Sarjana Kedokteran Gigi Universitas Padjadjaran Bandung (1985). Senior Advisor Indonesia citizen. Age 51. Senior Advisor Bank OCBC NISP since present. Previously served as Commissioner of Bank OCBC NISP NISP and Director of PT Suryasono Sentosa (1994-present). President Director of PT Udayawira Utama ( ). Lecturer of Faculty of Dentistry University of Padjadjaran, Bandung (1985-present). Board of Laboratorium Klinik Biotes (1982-present). Director of PT Biolaborindo Makmur Sejahtera (2002-present). Commissioner of PT GELIndo (2007- present). Director of PT Dana Udaya Sentosa (2007-present). Commissioner of PT Sosial Enterprener Indonesia (2008-present). Chairwoman of PT NISP Asset Management (2001-present). Orthodontist, Padjadjaran University, Bandung (1997). Bachelor Degree in Dentistry from Padjadjaran University, Bandung (1985). Financial Review Corporate Data OCBC NISP Annual Report 2011

8 442 Profil Direksi Profile of The Board of Directors Parwati Sujaudaja Presiden Direktur & CEO President Director & CEO Warga Negara Indonesia, 47 tahun. Presiden Direktur Bank OCBC NISP sejak 16 Desember Sebelumnya menjabat sebagai Wakil Presiden Direktur (Juni ) dan sebagai Direktur ( ) menangani berbagai bidang termasuk SDM, Keuangan, dan Perencanaan. Konsultan senior di SGV Utomo/Arthur Andersen ( ). Executive Program di Columbia University. SESPIBI XVII (Program Pelatihan Top Manajemen Bank Indonesia), MBA (Accounting) dari San Francisco State University, USA (1987). BSc Cum Laude (Accounting and Finance) dari San Francisco University, USA, Most Powerful Woman Majalah Globe Asia 99 Most Powerful Woman Majalah Globe Asia Indonesian Citizen, age 47. President Director of Bank OCBC NISP since December 16, Previously Deputy President Director (June ) and Managing Director ( ) handling various areas, including Human Resources, Financial and Planning. Senior Consultant at SGV Utomo/Arthur Andersen ( ). Executive Program of Columbia University. SESPIBI XVII (Bank Indonesia Top Management Training Program), Holds MBA (Accounting) from San Francisco State University, USA (1987). BSc Cum Laude, (Accounting and Finance) from San Francisco University, USA, Most Powerful Woman Globe Asia Magazine 99 Most Powerful Woman Globe Asia Magazine Na Wu Beng Wakil Presiden Direktur - Direktur Business Banking Deputy President Director - Director of Business Banking Warga Negara Singapura, 55 tahun. Wakil Presiden Direktur Bank OCBC NISP sejak 11 Agustus Sebelumnya menjabat sebagai Komisaris Independen ( ). Bergabung dengan OCBC Bank-Singapura pada tahun General Manager OCBC Bank Cabang Hong Kong selama 9 tahun setelah itu bertanggung jawab untuk operasional OCBC Bank wilayah Asia Utara. Bekerja di International Bank of Singapore selama 11 tahun dan ditempatkan di Taiwan selama 7 tahun. Bachelor of Arts (Honours) Degree dalam bidang Ekonomi dari Coventry University, Inggris, Singaporean Citizen, age 55. Deputy President Director of Bank OCBC NISP since August 11, Previously Commissioner of Bank OCBC NISP ( ). Joined OCBC Bank-Singapore in General Manager of OCBC Bank Hong Kong branch for 9 years, after which he was responsible for OCBC Bank operations in the North Asian region. Worked in the International Bank of Singapore for 11 years, with assignment in Taiwan for 7 years. Has a Bachelor of Arts (Honours) Degree in Economics from Coventry University, England, OCBC NISP Laporan Tahunan 2011

9 443 Hardi Juganda Direktur - Direktur Commercial Banking, Micro Banking dan Network Managing Director - Director of Commercial Banking, Micro Banking and Network Warga Negara Indonesia, 53 tahun. Direktur Bank OCBC NISP sejak 15 April Bergabung dengan Bank OCBC NISP tahun 1985 dan menangani berbagai posisi dan bidang dengan jabatan terakhir Pemimpin Kantor Cabang Asia Afrika Bandung ( ). SESPIBANK (Sekolah Pimpinan Perbankan LPPI), Sarjana Hukum dari Universitas Parahyangan, Bandung, Indonesian Citizen, age 53. Appointed as a Director of Bank OCBC NISP since April 15, Joined Bank OCBC NISP in 1985 and handled various positions and functions with the latest position held as Head of Asia Afrika Bandung Branch ( ). Participated in SESPIBANK (LPPI Banking Management Institute), Has a Bachelor s degree in Law from Parahyangan University, Bandung, Background of Bank OCBC NISP From Management Yogadharma Ratnapalasari Direktur - Direktur Operation & IT Managing Director - Director of Operation & IT Warga Negara Indonesia, 48 tahun. Direktur Bank OCBC NISP sejak 27 Oktober Bekerja di Bank OCBC NISP sejak tahun 1988 dan menangani berbagai posisi dengan jabatan terakhir sebagai Asisten Direksi ( ). Komisaris PT NISP Sekuritas ( ). GCG Report MM di Sekolah Tinggi Manajemen Bandung, tahun Sarjana Fakultas Teknik Sipil Universitas Parahyangan, Bandung, Indonesian Citizen, age 48. Director of Bank OCBC NISP since October 27, Joined Bank OCBC NISP since 1988 and handled various positions with the latest position as Assistant Director ( ). Commissioner of PT NISP Sekuritas ( ). Has an MM degree from Sekolah Tinggi Manajemen Bandung, in 1997 and a Bachelor s degree from the Faculty of Civil Engineering, Parahyangan University, Bandung, Operational Review Rama P. Kusumaputra Direktur - Direktur Kepatuhan dan Corporate Service Managing Director - Director of Compliance & Corporate Service Warga Negara Indonesia, 46 tahun. Direktur Bank OCBC NISP sejak 3 Juli Bergabung dengan Bank OCBC NISP sejak tahun 2001 pernah menjabat sebagai Koordinator Regional Jabodetabek dan dengan jabatan terakhir sebagai Asisten Direksi (2005). Menempati berbagai posisi di Bank Bali selama 11 tahun dengan posisi terakhir sebagai General Manager. Financial Review Sarjana Ekonomi dari Universitas Katolik Atmajaya, Jakarta, Indonesian Citizen, age 46. Director of Bank OCBC NISP since July 3, Joined Bank OCBC NISP since Previously, served as Regional Coordinator for Jabodetabek area and his last position was Assistant Director (2005). Held various positions in Bank Bali for 11 years with the latest position as General Manager. Corporate Data Obtained his Bachelor s Degree in Economics from Catholic University of Atmajaya, Jakarta, OCBC NISP Annual Report 2011

10 444 Profil Direksi Profile of The Directors Louis (Luianto) Sudarmana Direktur - Direktur Corporate Banking Managing Director - Director of Corporate Banking Warga Negara Indonesia, 53 tahun. Direktur Bank OCBC NISP sejak 3 Juli Berkarir 30 tahun di berbagai perusahaan nasional dan internasional, termasuk Bank of America, Bank Danamon, Rabo Bank, HSBC, dan Bank Mega. Bachelor Chemical dari University of New South Wales, Australia MEngSc dari University of New South Wales, Australia SESPIBANK XII, Indonesian Citizen, age 53. Director of Bank OCBC NISP since July 3, Established a professional career for over 30 years in various National and International companies, including Bank of America, Bank Danamon, Rabo Bank, HSBC, and Bank Mega. Obtained Bachelor Chemical from the University of New South Wales, Australia in 1979, and a MEngSc degree from the University of New South Wales, Australia in Participated in SESPIBANK XII, Rudy N. Hamdani Direktur - Direktur Consumer Banking Managing Director - Director of Consumer Banking Warga Negara Indonesia, 49 tahun. Direktur Bank OCBC NISP sejak 30 Juli Sebelumnya bekerja di Bank Internasional Indonesia ( ) dengan posisi terakhir sebagai Direktur. Berpengalaman lebih dari 20 tahun dan memegang berbagai posisi penting antara lain Card Center Manager, SVP Consumer Banking and E-Banking, Director of Consumer, Commercial and E-Banking, Director Consumer Banking. Pernah menjabat sebagai Treasury AKKI (Credit Card Association Indonesia) pada tahun 1992 dan sebagai Vice Chairman AKKI (1997). Selain itu juga pernah menjabat sebagai Visa International Advisor Risk Management dan Master Card International Advisor - Marketing. Menyelesaikan pendidikan di St. Mary s College Morage, California Amerika Serikat, jurusan Business Administration & Economic pada tahun 1987 dan Alumni Mastercard University, Managing Consumer Credit Portfolio, serta Bank Card Visa. Indonesian Citizen, age 49. Director of Bank OCBC NISP since July 30, Previously worked in Bank Internasional Indonesia ( ) with his last position as Director. Has experience of more than 20 years in various capacities, among others Card Center Manager, SVP Consumer Banking and E-Banking, Director of Consumer, Commercial and E-Banking, Director of Consumer Banking. Held position as Treasury AKKI (Credit Card Association Indonesia) in 1992 and as Vice Chairman AKKI (1997). Was also Visa International Advisor Risk Management and Master Card International Advisor Marketing. Completed his education in St. Mary s College Morage, California United States, in Business Administration & Economics in 1987 and Alumni Mastercard University, Managing Consumer Credit Portfolio, as well as Bank Card Visa. OCBC NISP Laporan Tahunan 2011

11 445 Emilya Tjahjadi Direktur Enterprise Banking Managing Director of Enterprise Banking Warga Negara Indonesia, 44 tahun. Direktur Bank OCBC NISP sejak 13 Mei Sebelumnya bekerja di PT. Bank OCBC Indonesia dengan posisi terakhir sebagai Direktur ( ). The Hongkong and Shanghai Banking Corporation Limited, Jakarta dengan posisi terakhir sebagai SVP and Head Commercial Banking MME ( ). American Express Bank Ltd., Jakarta dengan posisi terakhir sebagai Direktur Corporate Banking ( ). Standard Chartered Group, Jakarta dan Singapura dengan posisi terakhir sebagai Senior Relationship Manager of Corporate Banking, Jakarta ( ). Bachelor of Science dalam bidang Bisnis Administrasi dari University of Southern California, Los Angeles, USA. Indonesian citizen, age 44. Director of Bank OCBC NISP since May 13, Previously worked in PT. Bank OCBC Indonesia with her latest position as Director ( ). The Hongkong and Shanghai Banking Corporation Limited, Jakarta with her last position as SVP and Head of Commercial Banking MME ( ). American Express Bank Ltd., Jakarta with her last position as Director of Corporate Banking ( ). Standard Chartered Group, Jakarta and Singapore with her last position as Senior Relationship Manager of Corporate Banking, Jakarta ( ). Bachelor of Science in Business Administration from the University of Southern California, Los Angeles, USA. Background of Bank OCBC NISP From Management GCG Report Hartati Direktur Financial and Planning Managing Director of Financial and Planning Warga Negara Indonesia, 46 tahun. Direktur Bank OCBC NISP sejak 13 Mei Bergabung dengan Bank OCBC NISP Juli 2005 dengan jabatan terakhir sebagai Chief Financial Officer. Sebelumnya bekerja di Bank Mandiri dengan posisi terakhir sebagai Accounting Group Head (Senior Vice President). Menempati berbagai posisi di Bank Bali selama 17 tahun dengan posisi terakhir sebagai Financial Control Department Head (Vice President). Magister Manajemen di Universitas Pelita Harapan Jakarta, tahun Sarjana Ekonomi dari Universitas Indonesia Jakarta, tahun Sarjana Muda Akuntansi Akademi Akuntansi Sjakhyakirti Palembang, Indonesian citizen, age 46. Director of Bank OCBC NISP since May 13, Joined Bank OCBC NISP in July 2005 with her latest position as Chief Financial Officer. Previously worked in Bank Mandiri with the latest position as Accounting Group Head (Senior Vice President). Served in various positions at Bank Bali for 17 years, with her latest position as Financial Control Department Head (Vice President). Magister Management from Pelita Harapan University Jakarta, in Bachelor in Economics from University of Indonesia Jakarta, in Baccalaureat in Accounting from Accounting Academy Sjakhyakirti Palembang, Operational Review Financial Review Corporate Data OCBC NISP Annual Report 2011

12 446 Profil Direksi Profile of The Directors Thomas Arifin Direktur Risiko Managing Director of Risk Warga Negara Indonesia, 51 tahun. Direktur Bank OCBC NISP sejak 23 Agustus Direktur di Bank Mandiri dari Mei 2006 sampai dengan Mei Berpengalaman lebih dari 20 tahun di berbagai bidang perbankan dan pernah menjabat sebagai Direktur Treasury & International Banking, serta Direktur Treasury, Financial Institution & Special Asset Management. Menyelesaikan pendidikan di Institut Teknologi Bandung (ITB), Jurusan Matematika (1985). Di Universitas Katolik Parahyangan, Bandung, Jurusan Akuntansi (1986). Di Universitas Indonesia, Jakarta, Jurusan Manajemen (1990). MBA dari European University, Toulouse, Perancis [Beasiswa dari European Community & Asean Countries] (1993). Pendidikan Profesi: Certified Risk Professional [CRP SM] (2003) and Chartered Financial Analyst (Passed Level II) from CFA Institute (2004). Mengikuti berbagai program eksekutif, yaitu diantaranya di University of Oxford di Inggris (2011), Stanford University (2010), Wharton Business School-University of Pennsylvania (2009), Kellog School of Management-Northwestern University di Amerika Serikat (2008). Indonesian citizen, age 51. Director of Bank OCBC NISP since August 23, Director of Bank Mandiri since May 2006 and up to May Experience of more than 20 years in various areas of the banking sector and previously served as Director of Treasury & International Banking, as well as Director of Treasury, Financial Institution & Special Asset Management. Completed his education in Institute of Technology Bandung (ITB), majoring in Mathematics (1985). In Parahyangan Catholic University, Bandung, majoring in Accounting (1986). In University of Indonesia, Jakarta, majoring in Management (1990). MBA from the European University, Toulouse, France [Scholarship from the European Community & Asean Countries] (1993). Professional Education: Certified Risk Professional [CRP SM] (2003) and Chartered Financial Analyst (Passed Level II) from the CFA Institute (2004). Participated in various executive programs, including at the University of Oxford in England (2011), and at Stanford University (2010), Wharton Business School-University of Pennsylvania (2009), Kellog School of Management-Northwestern University in the United States of America (2008). OCBC NISP Laporan Tahunan 2011

13 Profil Komite Profile of the Board of Committee 447 Komite Audit Audit Committee Jusuf Halim Ketua - Komisaris (Komisaris Independen) Chairman - Commissioner (Independent Commissioner) Profil lengkap dapat dilihat pada bagian profil Dewan Komisaris. For complete profile please refer to profile of the Board of Commissioners. Peter Eko Sutioso Anggota - Wakil Presiden Komisaris (Komisaris Independen) Member - Deputy Chairman (Independent Commissioner) Profil lengkap dapat dilihat pada bagian profil Dewan Komisaris. For complete profile please refer to profile of the Board of Commissioners. Background of Bank OCBC NISP From Management Willy Prayogo, MBA, MM Anggota - Pihak Independen Member - Independent Party Warga Negara Indonesia, 58 tahun. Anggota Komite Audit Bank OCBC NISP sejak Sebelumnya, dari tahun 2000 sampai 2006 menjabat Presiden Komisaris di Bank Resona Perdania. Lulusan MBA dari Institut Manajemen Prasetiya Mulya, Jakarta (1990) dan Magister Manajemen, Sekolah Tinggi Manajemen Prasetiya Mulya, Jakarta (1995). Indonesian citizen, age 58. Member of Audit Committee of Bank OCBC NISP since Previously from 2000 until 2007 served as President Commissioner of Bank Resona Perdania. Holds an MBA degree from Institut Manajemen Prasetya Mulya, Jakarta (1990) and a Magister Manajemen degree from Sekolah Tinggi Manajemen Prasetya Mulya, Jakarta (1995). GCG Report Operational Review Alfredo R. Villanueva Anggota - Pihak Independen Member - Independent Party Warga Negara Indonesia, 71 tahun. Anggota Komite Audit Bank OCBC NISP sejak sekarang dan Anggota Komite Pemantau Risiko sejak sekarang. Sebelumnya menjabat sebagai Asisten Direksi Bank OCBC NISP ( ), Komisaris Bank OCBC Indonesia ( ) dan Bank Niaga dengan posisi terakhir Senior Advisor bagi Direktur Keuangan dan Presiden Direktur Niaga Management Company ( ). Financial Review Sarjana lulusan Akademi Pos & Telekomunikasi, Bandung (1964). Penugasan Khusus 1. Anggota Komite Pemantau Risiko Special Assignment 1. Member of Risk Monitoring Committee Indonesian citizen, age 71. Member of Audit Committee Bank OCBC NISP since present and Member of Risk Monitoring Committee since 2009-present. Previously served as Assistant to BOD ( ), Commissioner of Bank OCBC Indonesia ( ) and Bank NIAGA with last position as Senior Advisor to Finance Director and President Director of Niaga Management Company ( ). Graduated from Akademi Pos & Telekomunikasi, Bandung (1964). Corporate Data OCBC NISP Annual Report 2011

14 448 Profil Komite Profile of the Board of Committee Komite Remunerasi dan Nominasi Remuneration and Nomination Committee Roy Athanas Karaoglan Ketua - Komisaris Independen Chairman - Independent Commissioner Pramukti Surjaudaja Anggota - Presiden Komisaris Member - Chairman Peter Eko Sutioso Anggota - Wakil Presiden Komisaris (Komisaris Independen) Member - Deputy Chairman (Independent Commissioner) David Philbrick Conner Anggota - Komisaris Member - Commissioner Profil lengkap dapat dilihat pada bagian profil Dewan Komisaris. For complete profile please refer to profile of the Board of Commissioners. Purnomo Santoso Nurhalim Anggota Member Warga Negara Indonesia, 60 tahun. Anggota Komite Remunerasi dan Nominasi Bank OCBC NISP sejak Saat ini juga menjabat sebagai Human Capital Executive Specialist di Bank OCBC NISP. Sarjana Fisika lulusan Institut Teknologi Bandung, Bandung (1974). Indonesian citizen, age 60. Member of Remuneration and Nomination Committee of Bank OCBC NISP since Concurrently also serves as Human capital Executive Specialist at Bank OCBC NISP. Holds a Bachelor degree in Physics from Institut Teknologi Bandung, Bandung (1974). OCBC NISP Laporan Tahunan 2011

15 449 Komite Pemantau Risiko Risk Monitoring Committee Kwan Chiew Choi Ketua - Komisaris Independen Chairman - Independent Commissioner Pramukti Surjaudaja Anggota - Presiden Komisaris Member - Chairman Roy Athanas Karaoglan Anggota - Komisaris Independen Member - Independent Commissioner David Philbrick Conner Anggota - Komisaris Member - Commissioner Lai Teck Poh (Dua Teck Poh) Anggota - Komisaris Member - Commissioner Background of Bank OCBC NISP From Management Profil lengkap dapat dilihat pada bagian profil Dewan Komisaris. For complete profile please refer to profile of the Board of Commissioners. Alfredo R. Villanueva Anggota - Pihak Independen Member - Independent Party Profil lengkap dapat dilihat pada bagian profil Komite Audit. For complete profile please refer to profile of the Audit Committee. GCG Report Made Rugeh Ramia Anggota Komite Pemantau Risiko Member of Risk Monitoring Committee Warga Negara Indonesia, 71 tahun. Anggota Komite Pemantau Risiko Bank OCBC NISP sejak Saat ini juga menjabat sebagai Advisor Bank OCBC NISP sejak 2001 dan Komisaris Independen Panin Sekuritas sejak Sarjana Ekonomi dari Universitas Gadjah Mada, Yogyakarta (1966). Indonesian citizen, age 71. Member of Risk Monitoring Committee of Bank OCBC NISP since Concurrently also serves as Advisor at Bank OCBC NISP since 2001 and as Independent Commissioner of Panin Sekuritas since Operational Review Financial Review Holds a Bachelor degree in Economics from Universitas Gadjah Mada, Yogyakarta (1966). Corporate Data OCBC NISP Annual Report 2011

16 450 Profil Sekretaris Perusahaan & Kepala Divisi Internal Audit Profile of Corporate Secretary & Internal Audit Division Head Uliya Ariani Sekretaris Perusahaan Corporate Secretary Warga Negara Indonesia, 35 tahun. Sekretaris Perusahaan Bank OCBC NISP sejak April Sebelumnya menjabat sebagai Head, unit Corporate Secretary ( ); Head, unit General Legal ( ); dan Head, unit Corporate Legal ( ) di Bank OCBC NISP. Sarjana Hukum lulusan Universitas Indonesia (2000). Indonesian citizen, age 35. Corporate Secretary of Bank OCBC NISP since April Previously held the post of Head, Corporate Secretary ( ); Head of General Legal ( ); and head of Corporate Legal ( ) at Bank OCBC NISP. Has a Bachelor degree in Law from Universitas Indonesia (2000). Rudy Dekriadi Jacobalis Kepala Divisi Internal Audit Internal Audit Division Head Warga negara Indonesia, 52 tahun. Menjadi Kepala SKAI Bank OCBC NISP sejak Mei Sebelumnya menjabat sebagai Senior Audit Manager yang bertanggung jawab atas audit segmen Kredit Konsumer dan implementasi program Basel II pada Divisi Group Audit OCBC Bank Singapura (April 2005-Mei 2010), setelah sebelumnya berkarir selama 5 tahun di Standard Chartered Bank Indonesia & Brunei serta 10 tahun di Citibank Indonesia sejak Lulus dari Institut Teknologi Bandung tahun Indonesian citizen, age 52. Internal Audit Division Head of Bank OCBC NISP since May Previously worked as Senior Audit Manager for consumer credit segment and implementation of Basel II Program in Audit Group Division of OCBC Bank Singapore (April May 2010) and have professional career for over 15 years in foreign bank, including Standard Chartered Bank (Indonesia & Brunei) and Citibank. Graduated from Institute Technology Bandung in OCBC NISP Laporan Tahunan 2011

17 Profil Dewan Pengawas Syariah Profile of Sharia Supervisory Board 451 DR. Muhammad Anwar Ibrahim Ketua Dewan Pengawas Syariah Chairman of Sharia Supervisory Board Warga Negara Indonesia, 71 tahun. Ketua Dewan Pengawas Syariah Bank OCBC NISP sejak Saat ini juga menjabat sebagai Anggota Ahli Majelis Penasihat Syariah Bank Negara Malaysia dan Dosen Pengantar Ekonomi Islam pada Fakultas Ekonomi Universitas Trisakti. Lulusan S2 di bidang Ushululfiqh (Sumber dan Filsafat Hukum Islam) (1969) dan gelar Doktor di bidang yang sama (1978), keduanya dari Universitas Al Azhar, Kairo. Indonesian citizen, age 71. Chairman of Sharia Supervisory Board of Bank OCBC NISP since Concurrently also serves as Expert Member of Majelis Penasehat Syariah of Bank Negara Malaysia, and as Lecturer of Introduction to Islamic Economy at the Faculty of Economics, Universitas Trisakti. Background of Bank OCBC NISP From Management Holds a Master degree (1969) and a PhD degree (1978), both in Ushululfiqh (Source and Philosophy of Islamic Laws) from Al Azhar University, Cairo. Mohammad Bagus Teguh Perwira, Lc, MA Anggota Dewan Pengawas Syariah Member of the Syariah Supervisory Board Warga Negara Indonesia, 34 tahun. Anggota Dewan Pengawas Syariah Bank OCBC NISP sejak Saat ini juga menjabat sebagai anggota Dewan Pengawas Syariah di Citibank N.A. dan di PT Schroders Investment Management Indonesia serta Dosen Perbankan dan Lembaga Keuangan Syariah di Universitas Trisakti, Jakarta. Menyelesaikan program Sarjana bidang Kajian Islam & Bahasa Arab di Universitas Al Azhar, Kairo (1999) dan program Pasca-Sarjana bidang Ekonomi Islam di Universitas Islam Negeri Syarif Hidayatullah, Jakarta (2007). Indonesian citizen, age 34. Member of the Sharia Supervisory Board of Bank OCBC NISP since Concurrently also serves as member of the Sharia Supervisory Board at Citibank N.A. and at PT Schroders Investment Management Indonesia, and a Lecturer on Islamic Banking and Financial Institution at Universitas Trisakti, Jakarta. Completed a graduate program on Islamic Studies & Arabic at Al Azhar University, Kairo (1999) and a post-graduate program on Islamic Economics at State Islamic University Syarif Hidayatullah, Jakarta (2007). GCG Report Operational Review Financial Review Corporate Data OCBC NISP Annual Report 2011

18 452 Struktur Organisasi Organization Structure Per 31 Desember 2011 As of December 31, 2011 Deputy President Director Business Banking Group Na Wu Beng Wholesale Banking Enterprise Banking Treasury Group Consumer Banking Group Louis Sudarmana Emilya Tjahjadi Parwati Surjaudaja Rudy N. Hamdani Wholesale Banking Sani Effendy Wholesale Banking Credit Management Heriyanto Value Chain Diah Indrawati Financial Institution Honggo Karyono Commercial Banking Hardi Juganda Enterprise Banking A Jap Chin Phing Enterprise Banking B Suwano Enterprise Banking Credit Management Franki Network Relationship Ho Lie Kie Transaction Banking Na Wu Beng Treasurer Johannes Husin Treasury Trading Johannes Husin Asset Liability Management Ari Priyatna Treasury Advisory Novelina Luciana Business Management Maya K Hartanto Metropolitan Liabilities & Wealth Distribution Ivonne P Chandra Metropolitan Secured Loan Distribution Piter Tampang Wealth Management and Premier Banking Ka Jit Liability Product & E-Channel Untung Kurniawan Secured Loan Heintje Mogi Commercial Business Andrae Khrisnawan National Emerging Business Low Seh Kiat Trade Finance Product Andrew Suhandinata Trade Finance Sales - Micro Banking Group Hardi Juganda Micro Banking Development Prahari Geminika Unsecured Loan Irwan S. Tisnabudi Consumer Portfolio Management Hengky Kurniawan Commercial Portfolio Management Minnarto Djojo Cash Management Product Amran Setiawan Micro Banking Distribution Indrajit Osing Unit Usaha Syariah Koko T. Rachmadi Cash Management Sales Habsari Budhi Utami Collection & Fraud Handling Binsar Pasaribu Quality Assurance Rita Febrita OCBC NISP Laporan Tahunan 2011

19 453 Board of Commissioners President Director Parwati Surjaudaja Internal Audit Rudy Dekriadi Corporate Secretary Uliya Ariyani Background of Bank OCBC NISP Network Group Risk Group Human Capital Group Financial & Planning Group Operation & IT Group Hardi Juganda Senior Corporate Executive Paulus Agus Tjarman Faisal Firdaus Andrae Khrisnawan Metropolitan Jabotabek Jakarta: Andrae Khrisnawan Bogor: Jarwadi Djafar Tangerang: Shella Rayaindah Bekasi: Erna Metropolitan Bandung Suwardi Candra Thomas Arifin Commercial Credit Risk Management Andre Sudjono Corporate Credit Risk Management Jeffrey B. Karman Operations Risk Management Donna P. Silalahi Rama P. Kusumaputra HC Services Piryanti Syarif HC Planning & Development Putu Gde Wibawa HC Business Partner Mustika Atmanari Hartati Financial Control Monalisa Corp Planning & Performance Management Adri Triwitjahjo Network Development Jozef I. Munaba Yogadharma Ratnapalasari Business Solution David Formula Enterprise Integration Filipus H Suwarno Central Operation Hannar Yogia GCG Report From Management Metropolitan Surabaya Indra Suwandi Market Risk & Treasury Control Iwan Dharmawan Corporate Services Group Operations Services Andyani Pusparini Metropolitan Medan Meri Suriani Metropolitan Batam Meri Metropolitan Palembang Nurwati Suhaimi Asset Liability Risk Management Budi Gunawan Consumer Credit Risk Management Sandra Sahelangi Rama P. Kusumaputra Corporate Legal Iswahyudi Rahardjo Corporate Communication Operations Process Boyke I. Aveanto Operations Monitoring Chandra Budiana Operational Review Metropolitan Makassar Asset Recovery Management Lanny Goenawi Operations Development Robby Cokro Regional Jabar Adi Setiawan Linda Adam Compliance - Financial Review Regional Jateng Rama P. Kusumaputra Cynthia The Regional Jatim Compliance Thomas Purnawarman Regional Sumatera Julizar Angeline Nangoi Corporate Data Regional IBT Hengky Tanring OCBC NISP Annual Report 2011

20 454 Produk dan Jasa Products and Services PRODUK PENDANAAN Tanda OCBC NISP Tabungan dengan berbagai fasilitas kemudahan sebagai penunjang kebutuhan sehari-hari seperti akses tarik tunai yang luas, baik nasional maupun internasional, transfer online melalui internet banking dan mobile banking dan fasilitas pembelanjaaan di seluruh dunia melalui jaringan VISA Internasional. Tanda SGD Tanda Valas SGD OCBC NISP merupakan tabungan dalam mata uang Dollar Singapura (SGD) yang memberikan banyak fasilitas kemudahan bagi nasabah yang sering melakukan perjalanan ke Singapura baik untuk kepentingan pribadi atau bisnis. FUNDING PRODUCT Tanda OCBC NISP Savings account packaged with convenient features to support daily transactional needs such as extensive national and international access for cash withdrawal, online transfers via internet banking and mobile banking as well as world-wide shopping privileges with VISA International network. Tanda SGD Tanda Valas SGD by OCBC NISP is a savings account in Singapore Dollar (SGD) that gives maximum convenience for customers who frequently travel to Singapore for personal or business needs. Dengan Tanda Valas SGD nasabah dapat melakukan penarikan tunai mata uang Dollar Singapura di seluruh jaringan ATM OCBC Bank Singapura tanpa dikenakan biaya. Dan berbagai kemudahan lainnya seperti tarik bank notes SGD di seluruh Kantor Bank OCBC NISP dan bebas biaya remittance ke OCBC Bank Singapura. With Tanda Valas SGD, customers can make cash withdrawals in Singapore Dollar at any OCBC Bank Singapore ATM, free of charge. Other privileges include withdrawing SGD bank notes in all Bank OCBC NISP offices, and also remittance to OCBC Bank Singapore with no commissions. Tanda 360 Tanda 360 merupakan tabungan terbaru dari BANK OCBC NISP yang ditujukan bagi para profesional yang melakukan transaksi dalam jumlah tinggi dengan berbagai keuntungan seperti bebas biaya transaksi di seluruh jaringan ATM Nasional dan Regional, suku bunga yang lebih tinggi, dan berbagai penawaran yang menarik yang ditujukan bagi para profesional., Tanda 360 OCBC NISP memberikan semua yang Anda inginkan dalam sebuah tabungan. Tanda Senior Tabungan yang dipersembahkan sebagai wujud apresiasi kepada nasabah senior, tersedia dalam mata uang Rupiah. Tanda 360 Tanda 360 is the newest savings product introduced by BANK OCBC NISP for our professional customers, who are distinct in their highly frequent banking transactions and gain benefits from features as no transaction charges in national and regional ATM networks, higher interest rates and other attractive offers, designed exclusively for professionals. Tanda 360 OCBC NISP provides all that you need in a single savings account Tanda Senior A savings account specifically presented as appreciation to our senior customers, available in Rupiah. Taka OCBC NISP Investasi Berjangka dengan kepastian target dana, yang dilengkapi dengan jaminan perlindungan asuransi jiwa untuk membantu nasabah mewujudkan berbagai rencana masa depan. Mighty Savers OCBC NISP Tabungan junior dengan metode edukatif yang seru untuk mengajak anak belajar menabung dengan tiga pilihan mata uang: Rupiah, Dolar Amerika atau Dolar Singapura, dengan tambahan benefit bebas biaya administrasi, gratis asuransi (jiwa dan rawat inap) dan memberikan aneka pilihan hadiah edukatif yang menarik. Taka OCBC NISP Savings plan account with security of future funds and combined with life insurance protection to help customers to help customers fulfill all future plans. Mighty Savers OCBC NISP Junior Saving account with an educational method which will teach children to have a good saving habit in a flexible choice of currencies: IDR, USD or SGD and offer additional benefit such as free administration fee, free insurance (life and hospitalized insurance) and other attractive gifts. OCBC NISP Laporan Tahunan 2011