Risk Monitoring Committee wisnu Tjandra

struktur, komposisi, dan Independensi direksi Direksi dipimpin oleh Direktur Utama yang berasal dari pihak yang independen terhadap pemegang saham pengendali. Anggota Direksi berjumlah 6 enam orang dan seluruhnya berdomisili di Indonesia. Masing-masing anggota Direksi tidak memiliki hubungan keluarga sampai dengan derajat kedua dengan anggota Direksi lainnya maupun anggota Dewan Komisaris. Selain itu, seluruh anggota Direksi baik secara individu maupun kolektif tidak memiliki saham Bank Artha Graha Internasional maupun perusahaan lain yang melebihi 5 dari modal disetor. Nama Name Jabatan Title Berlaku efektif sejak Effective as of Berakhir pada Concluded on Domisili Domicile Persetujuan Bank Indonesia Approval from Bank Indonesia RUPS AGMS Andy Kasih Direktur Utama President Director 9 Desember 2008 9 December 2008 2011 RUPS 2011 AGMS 2011 Indonesia B. Wisnu Tjandra Wakil Direktur Utama Vice President Director 15 Juni 2005 15 June 2005 2011 RUPS 2011 AGMS 2011 Indonesia Henny A. Nangoi Wakil Direktur Utama Vice President Director 15 Juni 2005 15 June 2005 2011 RUPS 2011 AGMS 2011 Indonesia Alex Susanto Direktur Director 15 Juni 2005 15 June 2005 2011 RUPS 2011 AGMS 2011 Indonesia R. Rudy Tjandra Direktur Director 19 September 2008 19 September 2008 2011 RUPS 2011 AGMS 2011 Indonesia Witadinata Sumantri Direktur Kepatuhan Compliance Director 24 Juli 2009 24 July 2009 2011 RUPS 2011 AGMS 2011 Indonesia Tugas dan Tanggung jawab serta kewenangan direksi Direksi merupakan organ Perseroan yang berwenang dan bertanggungjawab penuh atas pengurusan Perseroan untuk kepentingan perseroan, sesuai dengan maksud dan tujuan perseroan serta mewakili perseroan, baik didalam maupun diluar pengadilan sesuai dengan anggaran dasar. Penilaian kemampuan dan kepatutan Seluruh anggota Direksi Bank Artha Graha Internasional memiliki integritas keuangan yang tinggi, kompetensi, reputasi dan pengalaman, serta berbagai keahlian, dan semuanya telah lulus uji kemampuan dan kepatutan Bank Indonesia. Direksi Board of directors Structure, Composition and Independency of the Board of Directors The Board of Directors is led by President Director originated from the party that is independent against the controlling shareholder. The Board of Directors consists of six 6 members and all of them are domiciled in Indonesia. Each member of the Board of Directors has no family relation until the second degree with the other members of the Board of Directors or the Board of Commissioners. Other than that, all members of the Board of Directors, both individual or collective, do not hold the shares of Bank Artha Graha Internasional or any other companies exceeding 5 from paid-up capital. Task, Responsibility and Authority of the Board of Directors The Board of Directors is an organ of the Company that is authorized and fully responsible for the management of the company for the company’s beneit, in accordance with the purpose and objective of the company and representing the Company, both inside and outside the court pursuant to the articles of association. Fit and Proper Test All members of the Board of Directors of Bank Artha Graha Internasional possess high inancial integrity, competency, reputation and experience, as well as various expertise, and all have passed the it and proper test of Bank Indonesia. Growing Together in Harmony Tugas masing-masing Anggota direksi Andy kasih – direktur utama Tugas utama: Menetapkan strategi jangka panjang Perseroan serta strategi pemasaran dan pengembangan produkjasa sesuai tuntutan dan kebutuhan pasar untuk semua segmentasi bisnis. Selain itu memberikan arahan dan petunjuk atas kebijakan bidang pendukung operasional dan layanan perbankan, teknologi informasi, sistem dan prosedur, aspek hukum, aspek inansial dan sumber daya manusia serta menjamin pelaksanaan fungsi kepatuhan pada seluruh operasional perbankan agar Perseroan memiliki standar etika tinggi, mematuhi prinsip tata kelola perusahaan yang baik dan praktik prudential banking.

B. wisnu Tjandra – wakil direktur utama Tugas utama: Bersama-sama Direktur Utama menetapkan

strategi jangka panjang Perseroan dan membantu pelaksanaan tugas Direktur Utama dalam merumuskan strategi dibidang pemasaran dan pengembangan produk dan jasa serta mewujudkan proses bisnis perbankan yang eisien dengan peran koordinasi kegiatan operasional dan teknologi informasi. Memberikan arahan dalam pengembangan produk dan jasa yang kompetitif sesuai tuntutan pasar dengan memanfaatkan perkembangan teknologi informasi. henny A. nangoi – wakil direktur utama Tugas utama: Bersama-sama Direktur Utama menetapkan strategi jangka panjang Perseroan dan membantu pelaksanaan tugas Direktur Utama dalam mengkoordinasikan Direktorat Kredit guna mencapai pertumbuhan bisnis dengan tetap memperhatikan aspek kehati-hatian. Menentukan arah dan strategi yang tepat atas target funding dan lending serta pengembangan cross selling dalam segmen korporasi dan bisnis. Mengembangkan strategi sumber daya manusia dalam upaya mendukung pencapaian sasaran kerja Perseroan. Menetapkan kebijakan sumber daya manusia sesuai dengan regulasi ketenagakerjaan dan memastikan perlakuan perusahaan yang setara berbasis kinerja bagi Perseroan. Menyusun langkah-langkah dalam mengoptimalkan potensi sumber daya manusia dan mencapai tingkat produktivitas yang diharapkan. Alex susanto – direktur Tugas utama: Mengkoordinir dan memantau pelaksanaan kegiatan secara menyeluruh khususnya terkait kegiatan operasi dan teknologi informasi sejalan dengan perencanaan strategis yang didukung oleh sisi teknologi informasi, sistem maupun proses kerja operasional transaksi cabang untuk menjamin pengelolaan transaksi operasional Task and Responsibility of the Respective Member of the Board of Directors Andy Kasih – President Director Main Task: To determine the long term strategy of the Company, marketing strategy and productservice development according to market demand and requirements for all business segmentation. In addition, giving direction and guidance for the policy on operational supports and banking services, information technology, system and procedure, legal aspect, inancial aspect and human resources, as well as securing the implementation of compliance function in all banking operations in order for the Company to have high ethical standard, in compliance with the good corporate governance principle and prudential banking practices.

B. Wisnu Tjandra – Vice President Director

Main Task: Together with the President Director, to determine the Company’s long term strategy and assist the implementation of President Director’s task in formulating the strategy in marketing and product and service development, as well as realizing an eficient process of banking business with the role of coordinating the activities of operations and information technology. To develop the direction for competitive product and service development in accordance with market demand by taking beneit of the information technology development. Henny A. Nangoi –Vice President Director Main Task: Together with the President Director, to determine the Company’s long term strategy and assist the implementation of President Director’s task in coordinating Credit Directorate in order to achieve the business growth yet remaining in observance of prudential aspect. To determine the correct direction and strategy for funding and lending targets as well as the development of cross selling in corporate and business segmentation. To develop human resources strategy in the effort to support the achievement of the Company’s work target. To determine human resources policy pursuant to manpower regulation and to ensure equal company treatment based on performance for the Company. To prepare the measures in order to optimize the potential of human resources and to achieve the expected productivity level. Alex Susanto – Director Main Task: To coordinate and to observe the overall implementation of activities related to particularly operations and information technology to be in line with strategic planning as supported by information technology as well as operational processes of branches’ transactions in order to have banking operational perbankan dengan baik, sesuai standar mutu, memiliki aplikabilitas, reliabilitas yang dapat diandalkan serta menjamin kelancaran komunikasi dari pihak pengguna sesuai kebutuhan.

r. rudy Tjandra – direktur Tugas utama: Mengkoordinir penyusunan strategi dan

memastikan pertumbuhan pemberian kredit berjalan efektif dan sesuai dengan prinsip kehati-hatian prudent, sehingga tingkat Non Performing Loan NPL dapat selalu terjaga dibawah batas yang ditentukan Bank Indonesia. witadinata sumantri – direktur Tugas utama: Memberikan arahan dan menetapkan kebijakan terkait dengan pelaksanaan tata kelola perusahaan serta memastikan seluruh regulasi kebijakan, sistem, prosedur intern Perseroan sejalan dengan peraturan dan ketentuan terkait yang diterbitkan oleh Bank Indonesia dan lembaga atau otoritas keuangan lainnya. Pelatihan Anggota direksi Dalam rangka meningkatkan kompetensi, anggota Direksi mengikuti berbagai program pelatihan, konferensi, seminar, danatau workshop, baik yang diadakan secara internal maupun diselenggarakan oleh pihak independen. Tanggal Date materi Subject Penyelenggara Organizer Peserta Participant Februari February 9 Tugas dan Fungsi PPATK Task and Function of PPATK Law Firm Zoelva Partners Andy Kasih Alex Susanto Witadinata Sumantri Maret March 9 Menyongsong Private Credit Bureau di Indonesia Responding to Private Credit Bureau in Indonesia BSMR Henny A. Nangoi 24-25 FKDKP Angkatan I Tahun 2011 FKDKP Generation I Year 2011 Forum Komunikasi Direktur Kepatuhan Perbankan Communication Forum of Banking Compliance Directors FKDKP Witadinata Sumantri April April 7-8 Risk Culture Risk Awareness, PSAK 50 55 R2006 Portfolio Management RMDC BSMR Henny A. Nangoi 27 Photography Mix Lighting Tirto Andayanto Henny A. Nangoi Alex Susanto Juli July 21 Workshop Otak Unggul Excellent Brain Workshop Djohan Yoga Henny A. Nangoi September September 21-22 Establishing Industry Benchmark in Fraud Prevention and AMLCFT Compliance Establishing Industry Benchmark in Fraud Prevention and AMLCFT Compliance BARa Risk Forum Witadinata Sumantri 22 Speed Reading Super Great Memory Djohan Yoga Henny A. Nangoi Oktober October 3 Gap Analysis PSAK IFRS CPE Indonesia Continuing Professional Education Witadinata Sumantri Desember December 12 Gambaran Ekonomi Tahun 2012 dan Mitigasi Dampak Krisis Global Economic Illustration of 2012 and Mitigation of Impact of Global Crisis Forum Komunikasi Direktur Kepatuhan Perbankan Communication Forum of Banking Compliance Directors FKDKP Witadinata Sumantri transactions well secured well, according to standard quality with consistent applicability and reliability, and to guarantee the smooth communication with users as required.

R. Rudy Tjandra – Director

Main Task: To coordinate the strategy and to ensure effective growth of credit rendered in conformity with prudential principle, so that the level of Non Performing Loan NPL is always maintained below the limit determined by Bank Indonesia. Witadinata Sumantri – Director Main Task: To provide direction and determine the policy related to the implementation of corporate governance and to ensure that all internal regulations policy, system, procedure of the Company are in line with the related regulations and provisions issued by Bank Indonesia and other inancial institutions or authorities. Training for Members of the Board of Directors In order to improve their competency, members of the Board of Directors follow various training programs, conference, seminar andor workshop, both arranged internally or organized by independent party. Growing Together in Harmony Pedoman dan Tata Tertib kerja direksi Direksi telah memiliki Pedoman dan Tata Tertib Kerja yang diatur dalam Pedoman Kebijakan Perusahaan Nomor 0007.01.1 tanggal 20 Januari 2010. Pedoman dan Tata Tertib Kerja Direksi mengatur etika kerja, waktu kerja, serta pelaksanaan rapat. Segala keputusan yang diambil sesuai dengan Pedoman dan Tata Tertib Kerja mengikat dan menjadi tanggung jawab seluruh anggota Direksi. Pedoman dan Tata Tertib Kerja Direksi disusun berdasarkan peraturan yang berlaku khususnya peraturan mengenai Good Corporate Governance, dan akan ditinjau ulang secara berkala. komite yang bertanggung jawab kepada direksi Direksi dibantu oleh Komite yang bertugas memberi saran dan rekomendasi terkait dengan kebijakan dan pengelolaan Bank. Komposisi keanggotaan komite disusun sesuai dengan kompleksitas tugas dan tanggung jawab komite. Rekomendasi dari masing-masing komite dijadikan acuan oleh Direksi dalam mengambil keputusan. Komite-komite tersebut adalah: 1. Komite Kredit 2. Komite Aset-Kewajiban ALCO 3. Komite Manajemen Risiko 4. Komite Pengarah Teknologi Informasi

1. komite kredit

Komite Kredit dibentuk untuk membantu Direksi dalam menetapkan arah kebijakan perkreditan Bank Artha Graha Internasional sekaligus mengevaluasi danatau memberikan keputusan kredit sesuai dengan batas wewenang yang ditetapkan Direksi dengan memperhatikan pengembangan bisnis tanpa meninggalkan prinsip kehati-hatian.

2. komite Aset-kewajiban AlCo

Komite Aset-Kewajiban berfungsi antara lain untuk menetapkan kebijakan dan strategi pengelolaan likuiditas untuk memenuhi kebutuhan likuiditas Bank dan meminimalisasi idle funds. Komite Aset-Kewajiban menetapkan kebijakan dan strategi yang berkaitan dengan risiko pasar, strategi harga, strategi dalam pengelolaan portofolio investasi, dan strategi penataan struktur neraca melalui antisipasi perubahan suku bunga, sehingga dapat dicapai tingkat net interest margin yang optimum. Guidelines and Work Procedure of the Board of Directors The Board of Directors has the Guidelines and Work Procedure speciied in the Guidelines of Company Policy No. 0007.01.1 dated 20 January 2010. The Guidelines and Work Procedure of the Board of Directors provide for work ethics, work hours, and meeting arrangement. Any decision taken pursuant the Guidelines and Work Procedure is binding and for the responsibility of all members of the Board of Directors. The Guidelines and Work Procedure are prepared under the effective regulation, particularly the regulation on Good Corporate Governance, and reviewed on periodic basis. Committees responsible to the Board of Directors The Board of Directors is assisted by committees having the duty to provide advice and recommendation related to the Bank’s policy and management. Composition of committee’s membership is prepared according to the complexity of its task and responsibility. Recommendation from the respective committee is for reference to the Board of Directors in making decision. The committees are as follows: 1. Credit Committee 2. Assets-Liabilities Committee ALCO 3. Risk Management Committee 4. Information Technology Steering Committee

1. Credit Committee

Credit Committee is established to assist the Board of Directors in determining the direction of credit policy of Bank Artha Graha Internasional, at the same time evaluating andor making credit decision pursuant to the authority limit as determined by the Board of Directors, in observance of the business development without prejudice to prudential principles.

2. Assets-Liabilities Committee ALCO

Assets-Liabilities Committee has the function, among others, to determine the policy and strategy of liquidity management in order to meet the Bank’s liquidity requirement and to minimize any idle funds. Assets-Liabilities Committee determines the policy and strategy related to market risk, price strategy, and the strategy in managing investment portfolio and the strategy in structuring balance in anticipation of interest rate changes, in order to achieve the maximum level of net interest margin.