Performance of Risk Management and

LAPORAN TAHUNAN 2010 11 ANNUAL REPORT

1.5 Prinsip Kehati-hatian dalam Pemberian Kredit kepada Pihak-Terkait dan Grup

Debitur Besar. Bank tidak diperbolehkan masuk ke dalam suatu kondisi atau perjanjian dimana bank diharuskan memberikan dana yang melanggar BMPK Batas Minimum Pemberian Kredit dan batas pemberian fasilitas kredit. Berdasarkan Peraturan Bank Indonesia pemberian kredit kepada pihak-terkait dan atau kelompok debitur besar masing-masing tidak boleh melebihi 10 dan 25 dari modal bank. Tidak ada pelanggaran BMPK kepada kelompok debitur besar dan pihak-terkait. Semua keputusan pemberian kredit harus disetujui oleh komite kredit yang para anggotanya akan memeriksa dan memberi komentar atas masalah yang ada di aplikasi kredit. Bank telah mengkinikan internal limit guna memonitor terjadinya pelampauan BMPK. Selama penilaian aplikasi kredit, account officer harus memeriksa latar belakang profil perusahaan dan manajemennya, dan juga informasi yang relevan menurut faktor-faktor yang diperhitungkan mengenai pihak-terkait dan grup debitur. Per tanggal 31 Desember 2011, saldo pemberian kredit dalam jutaan rupiah: a. Pihak-terkait : Rp. Nihil b. Debitur Inti: - Individual Rp. 2.362.897 - Grup Rp. 2.598.335 1,6 Rencana Strategi Bisnis Bank Rencana bisnis bank disiapkan dengan mempertimbangkan faktor internal dan eksternal dan prinsip kehati-hatian bank. Untuk faktor internal, pada saat rencana bisnis dibuat melibatkan semua unit bisnis terkait sehingga akan sejalan dengan rencana kerja dari setiap unit bisnis terkait. Sedangkan faktor eksternal, indikator ekonomi mikro dan makro akan secara ketat dimonitor seperti tingkat inflasi, nilai tukar dan suku bunga indikasi dari Bank Indonesia. Pada saat menyiapkan rencana bisnis, Bangkok Bank kantor cabang Jakarta memfokuskan hubungan ke sektor nasabah korporasi. Bank akan terus terlibat dalam pembiayaan pabrikasi yang menciptakan lapangan kerja dan kepatuhan terhadap ramah lingkungan. Investasi komoditi dalam mempromosikan sektor agro bisnis seperti

1.5 Prudential principles in fund provision to

Related-parties and in Large-exposures . The bank is prohibited to enter into condition or agreement that obligate bank to provide fund, which will violate the LLL and credit facility limit granted. Fund provision to Related- party and or in Large- exposures are in accordance with Bank Indonesia regulation, which the Legal Lending Limit for related-party and in large exposure not exceed 10 and 25 , respectively of the bank capital. There was no breach on the Legal Lending Limit for large exposures and Related- party. Any credit decision made must be approved by Loan committee meeting and member of Loan committee will review and comment on the credit application on certain issues. Bank has updated the internal limit for monitoring the LLL impelemtation. During the credit application assessment, account officer must check on the back- ground of the company profile and management, as well as relevant information according to factors counted as related party and or group borrower. As of December 31, 2011 the outstanding balance of in million of Rupiah: a. Related- party Rp. None b. Core debtor : - Individual Rp 2,362,897 - Group Rp 2,598,335

1.6 Bank’s strategic business plan

Bank business plan is prepared by considering internal and external factors as well as prudent banking principles. For internal factor, in making business plan projected that involving all units concerned, so it will be running in- line with working plan of each unit involved. For external factor, the micro and macro economic indicators will be closely monitored such as inflation, foreign exchange and Bank Indonesia indicative rates. In preparing the business plan, Bangkok Bank, Jakarta branch focuses on relationship with corporate customers sectors. The bank will continue involving in manufacturing that create employment and complying to the environment. Commodities investment in promoting agricultural sectors such as cocoa, oil palm, sugar and coconut processing are given priority. The oil and gas services related LAPORAN TAHUNAN 2010 12 ANNUAL REPORT kakao, kelapa sawit, gula dan prosesing kelapa merupakan juga hal yang mendapat prioritas. Juga akan mempertimbangkan service terkait bisnis minyak dan gas, chemical and konstruksi. Kami menawarkan strategi bersaing yang mencakup di dalamnya peningkatan pelayanan kepada nasabah, proses dan sistem operasi serta target dari unit bisnis kami. Bank juga menawarkan Suku Bunga Dasar Kredit SBDK yang kompetitif kepada debitur. Setiap kwartal, komite manajemen akan mengkaji ulang antara realisasi bisnis dibandingkan dengan rencana bisnis bank guna terus memonitor masalah yang ada yang akan menimbulkan penyimpangan yang signifikan, untuk kemudian dicari penyelesaian dan perbaikannya. Oleh karena itu, rencana bisnis bank disediakan untuk memberikan dukungan keuangan kepada proyek debitur potensial yang disesuaikan dengan Peraturan Bank Indonesia serta mempertahankan stabilitas jangka panjang bank serta pertumbuhan ROA dan ROE.

1.7 Transparansi Kondisi Keuangan dan Non-

Keuangan Bank telah menyiapkan dan memenuhi semua laporan sesuai prosedur seperti yang ditetapkan di dalam peraturan Bank Indonesia. Bank menyadari pentingnya mengkontribusikan informasi ke masyarakat, pemegang saham, dan komunitas. Untuk masalah ini, Bangkok Bank kantor cabang Jakarta percaya bahwa laporan ke pemegang saham seperti disebutkan diatas akan meningkatkan nilai organisasi kantor cabang dan akan mempertahankan kestabilan kondisi keuangan. Bank juga menerbitkan informasi keuangan di surat kabar lokal dan laporan tahunan bank. Sementara untuk informasi non-keuangan seperti informasi produk bank, informasi mediasi bank, dan Lembaga Penjamin Simpanan LPS diumumkan di lobi kantor bank. Sejak kwartal pertama 2010 bank telah mempunyai website sendiri namun nantinya akan menggunakan koneksi komunikasi dari homepage atau website Kantor Pusat www.bangkokbank.com untuk menyediakan informasi secara elektronik ke publik. business , chemicals and constructions would also be considered. We offered our competitive strategy that includes improving our customer service, process and operational system as well as performance target for our business units. Bank also offered competitive Prime Lending Rate SBDK to borrower. On quarterly basis, management committee will review the actual realization or achievement and comparing to the bank business plan target in order to monitor the problems occurs that will cause any big deviation and then to solve and improve the performance. Therefore, bank business plan is to provide financial support to the prospective borrower’s project that is in compliant to Bank Indonesia and maintaining bank’s long- term stability and growth in return on assets ROA and equity ROE

1.7 Financial and Non-financial conditions

transparency. Bank has prepared and complied with all reports requirement with procedures and coverage as stated in Bank Indonesia regulation. The bank realizes the importance of contributing information to public, stakeholder and community. In this regard Bangkok Bank , Jakarta branch believes that its treatment of stakeholders in the previously mentioned ways will help increase the value of the branch organization and will sustain its stable financial condition. Bank has also quarterly published financial information in local newspaper and bank’s annual report. While, for non- financial information such as banking product information, banking mediation information and Deposit Fund Guarantee LPS have been announced in the bank’s banking hall. Starting Q1- 2010 report, bank has already provided website alone by using the linkage communication with Bangkok Bank Head Office homepagewebsite www.bangkokbank.com in order to allow public to electronically access the Bank’s financial and non- financial information.