Part I

Laporan Tahunan 2013

Annual Report 2013

Bangkok Bank

Public Company Limited

DAFTAR ISI

Table of Contents

Ringkasan Keuangan

1

Financial Highlights

Rasio Keuangan

2

Financial Ratios

Profile Perusahaan

4

Corporate Profile

Laporan Good Corporate Governance

6

Good Corporate Governance Report

Perekonomian Indonesia 2013

27

Indonesia Economy in 2013

Laporan Manajemen

30

Management Report

Kinerja Bangkok Bank

36

Bangkok Bank’s performance

Manajemen

69

The Management

Struktur Organisasi

74

Organization Chart

Lampiran

Attachment



Laporan Keuangan 2013 yang telah diaudit

RINGKASAN KEUANGAN BANGKOK BANK

Bangkok Bank’s Financial Highlights

Unit dalam jutaan rupiah (Unit in million Rupiah)

Pertumbuhan pada Akhir Periode

Tahun

2013

2012

% change

Progress at Year-End

Total Aktiva

15.162.270

8.110.752

86,94%

Total Assets

Giro pada Bank

188.396

97.344

93,54%

Demand Deposits with Banks

Kredit yang diberikan

11.894.111

6.910.355

72,12%

Credits granted

Aktiva Tetap dan Inventaris – net

96.069

8.179

1074,58%

Premises and Equipment

Aktiva Produktif

15.286.592

8.317.475

83,79%

Productive Assets

Dana Pihak Ketiga

2.610.769

1.428.884

82,71%

Third Party Fund

Simpanan

1.817.484

1.024.908

77,33%

Deposits

Pinjaman yang diterima

8.701.550

4.240.500

105,20%

Loans received

Dana dari Kantor Pusat

2.725.935

1.888.889

44,31%

Head Office Account

Pertumbuhan untuk Tahun

Progress for the year

Pendapatan Operational

639.527

386.241

65,58%

Operational Revenue

Beban Operational

314.971

206.171

52,77%

Operational Expenses

Laba Operasi

324.556

180.071

80,24%

Operating Profit

Pajak Penghasilan

130.300

72.680

79,28%

Income Tax

Laba (Rugi) Bersih

191.626

108.064

77,33%

Net Profit (Loss)

Laba Bersih per Saham

-

-

-

Earning per share

Rasio Keuangan

Financial Ratios

Permodalan

%

change

Capitalization

31-Des-13

31-Des-12

(%)

(%)

Kewajiban Modal Minimum

67,09

63,79

3,3

Capital Adequacy Ratio (CAR)

Aktiva Tetap terhadap Modal

4,34

1,47

2,87

Fixed Assets to Capital

Aktiva Produktif

Productive Assets

Aktiva Produktif Bermasalah

0,53

2,88

-2,35

Troubled Productive Assets

Kredit Bermasalah

0,03

0,62

-0,59

NPL

PPAP terhadap Aktiva Produktif

2,71

4,73

-2,02

Reserves to Productive Assets

Pemenuhan PPAP

173,89

118,71

55,18

Reserves Adequacy

Rentabilitas

Profitability

Tingkat Pengembalian Aktiva

2,75

2,50

0,25

Return on Assets

Tingkat Pengembalian Modal

2,17

2,74

-0,57

Return on Equity

Pendapatan Bunga Bersih

4,21

3,40

0,81

Net Interest Margin

Beban

Operasional

Pendapatan

Operasional

49,25

57,02

-7,77

Operational Expense to Operational Income

Kredit terhadap Deposito Rasio

455,58

483,62

-28,04

Loan to Deposit Ratio

Kepatuhan

31-Des-13

31-Des-12

%

change

Compliance

(%)

(%)

Persentase Pelanggaran BMPK

Percentage of LLL Violation

a.

Pihak Terkait

0,00

0,00

0,00

Related Parties

b.

Pihak Tidak Terkait

0,00

0,00

0,00

Non related Parties

Persentase Pelampauan BMPK

Percentage of exceeding LLL

a.

Pihak Terkait

0,00

0,00

0,00

Related Parties

b.

Pihak Tidak Terkait

0,00

0,00

0,00

Non related Parties

GWM Rupiah

14,44

11,03

3,41

Minimum Current Account Requirements Rupiah

PROFIL PERUSAHAAN

Corporate Profile

Bangkok Bank yang didirikan pada tahun 1944 di Bangkok, Thailand adalah bank komersial terbesar di Thailand dan salah satu dari yang terbesar di Asia Tenggara dengan total aset pada akhir 2013 sebesar THB 2,596,507,000,000.

Adapun struktur kepemilikan 10 (sepuluh) pemegang saham terbesar Bangkok Bank Public Company Limited per tanggal 31 December 2013 adalah sebagai berikut:

Bangkok Bank, founded in year 1944 in Bangkok- Thailand, is the largest commercial bank in Thailand and also one of the largest bank in South East Asia, with total assets at the end of 2013 THB 2,596,507,000,000.

Top 10 (ten) shareholders of Bangkok Bank Public Company Limited, Thailand as of December 31, 2013 are as follows:

Nomor |

Number Nama pemegang Saham | Name of Share holder

Persentase Kepemilikan Saham | Percentage of Total

Shares

1 Thai NVDR Company Limited 30.04

2 State Street Bank and Trust Company 4.27

3 Thailand Securities Depository Company Limited for

Depositors 3.58

4 State Street Bank Europe Limited 3.17

5 BNY Mellon Nominees Limited 2.50

6 Morgan Stanley & Co. International Plc. 2.36

7 HSBC (Singapore) Nominee Pte, LTD 1.92

8 Bangkok Insurance Public Co. Ltd. 1.79

9 UOB Kay Hian (Hong Kong) Limited - Client Account 1.74

10 GIC Private Limited - Co. Ltd. 1.71

Sampai akhir tahun 2013 Bangkok Bank telah memiliki lebih dari 1,100 kantor cabang di Thailand dengan cabang luar negeri dan jaringan kantor yang tersebar di: Cina, Hongkong, Jepang, Laos, Filipina, Singapura, Taiwan, Inggris, Birma, Amerika Serikat, Vietnam, Myanmar, Malaysia dan Indonesia.

Bangkok Bank PCL Cabang Jakarta, berlokasi di Jl. MH Thamrin No. 3, Jakarta 10110, beroperasi dengan ijin usaha dari Menteri Keuangan Indonesia No. D.15.6.1.4.39 tanggal 21 Juni 1968, serta mendapat izin untuk beroperasi sebagai Bank Devisa pada tanggal 22 Juni 1968 dengan Surat Keputusan dari Direksi Bank Negara Indonesia No.4/12/KEP.DIR.

Bank telah membuka 1 (satu) Kantor Cabang Pembantu di kota Surabaya pada tanggal 29 Maret 2012 yang beralamat di Jl Raya Darmo No 73, Surabaya, dengan Ijin No 14/112/DPIP.

At the end of 2013, Bangkok Bank has more than 1,100 branches in Thailand with extensive overseas branches and office network in the following countries: People’s Republic of China, Hongkong, Japan, Laos People’s Democratic Republic, Republic of Philippines, Republic of Singapore, Taiwan, United Kingdom, Union of Myamar, United States of America, The Socialist Republic of Vietnam, Myanmar, Malaysia and Indonesia. Bangkok Bank PCL Jakarta Branch, located at Jl. MH Thamrin No. 3, Jakarta 10110, operated under license from Finance Minister of Republic Indonesia No. D. 15.6.1.4.39 dated June 21, 1968 as a branch from Bangkok Bank PCL in Thailand. Received the license to operate as foreign bank on June 22, 1968 with the decree from Bank Indonesia No. 4/12/KEP.DIR.

Bank has opened 1 (one) Branch Office in Surabaya on March 29, 2012 located at Jl Raya Darmo No. 73, Surabaya, with Permit No. 14/112/DPIP .

Pada tanggal 6 November 2013, dalam rangka perluasan usaha, Bank telah membuka 1 (satu) Kantor Cabang Pembantu di kota Medan yang terletak di B&G Tower, Ground Floor, Jl Putri Hijau No. 10, Medan, dengan Ijin No.15/231/DPIP.

Bank secara berkesinambungan meningkatkan total asset dan kredit yang diberikan, memperbaiki manajemen kredit macet, meningkatkan pendapatan, dan meningkatkan efisiensi biaya dan terus membangun kebijakan usaha yang selaras dengan rencana strategis bank Di tahun mendatang, bank akan terus memajukan bisnis proses yang efisien dan mengefisiensikan model organisasi untuk meyakinkan bahwa seluruh bagian organisasi dapat bekerja sama secara efisien dan harmonis.

On November 6, 2013, for the expansion of business, the Bank has opened 1 (one) Branch Office in Medan, located in the B & G Tower, Ground Floor, Jalan Putri Hijau No. 10, Medan, with permission No.15/231/DPIP.

The bank has continuously increased its total assets and loans, and improved the management of non-performing loans, of revenue, of costs efficiency and the bank will create policies that are alligned with its strategic plan.

In the coming year, the bank will continue to improve the efficient business process and organizational model to ensure that all parts of the organization are working together efficiently in harmony.

LAPORAN GOOD CORPORATE GOVERNANCE BANGKOK BANK CABANG JAKARTA TAHUN 2013

1. Ruang Lingkup Tata Kelola Perusahaan (GCG)

Sebagai pedoman bagi pelaksanaan Tata Kelola Perusahaan, Bank telah mendeskripsikan peran dan tanggung jawab Komite Manajemen dalam pedoman Komite Manajemen bank. Seluruh aturan internal lainnya yang ditetapkan didasarkan dengan peraturan yang berlaku dan mengacu pada pinsip-prinsip GCG.

Dalam menjalankan bisnisnya, Bangkok Bank Cabang Jakarta menjalankan Prinsip Good Corporate Governance sebagai dasar agar dapat mempertahankan pertumbuhannya. Bank juga telah menyebarkan kebijakan tersebut kepada tim manajemen, eksekutif, dan staf sebagai informasi dan ketaatan akan peraturan. Bank juga telah menugaskan setiap supervisor di semua tingkat untuk menjadi contoh yang baik dan mendorong agar kebijakan yang dibuat tersebut dipatuhi. Dalam proses pengawasan operasional secara internal, Bank telah membentuk Unit Kepatuhan agar sesuai dengan peraturan yang ada di Indonesia dan Bank Indonesia.

Penerapan Prinsip Good Corporate Governance di Bangkok Bank dibagi menjadi 7 aspek cakupan GCG beserta kepatuhan bank terhadap aspek-aspek tersebut yang meliputi:

1.1 Kinerja Tugas dan Tanggung Jawab dari Dewan Komisaris dan Direksi.

Bangkok Bank Cabang Jakarta adalah kantor cabang dari Bangkok Bank, Thailand, oleh karena itu Dewan Komisaris yang dikenal dengan nama Non-Eksekutif Director bertempat di Kantor Pusat Thailand. Dewan Komisaris bertangggung jawab dalam penerapan prinsip Good Corporate Governance dan mengawasi kebijakan dan arah bisnis bank.

Dalam hubungannya dengan Bangkok Bank kantor cabang Jakarta, International Banking Group (IBG) yang berlokasi di Kantor Pusat Bangkok, menjalankan fungsi pengawasan dari Dewan Komisaris. Laporan fungsi pengawasan dari IBG tersebut untuk melihat pada fungsi Dewan Komisaris dalam mengevaluasi kinerja manajemen kantor cabang Jakarta dan laporan tersebut telah diterima setiap 3 bulan sekali.

REPORT ON BANGKOK BANK INDONESIA BRANCH ACTIONS IN COMPLIANCE WITH THE PRINCIPLES OF GOOD CORPORATE GOVERNANCE FOR 2013.

1. Scope of Good Corporate Governance (GCG)

As guidance for Good Corporate Governance’s implementation, Bank has already described role and responsibilities of Manangement Committee in the Management Committee guidelines. All other internal regulations are based on the operative regulation and referring to GCG principles.

The Bank, therefore conducts its business in-line with the principles of Good Corporate Governance, which form a basis for sustainable growth. The bank has disseminated the policy to its management team, executives and staff for their knowledge and observance and has also assigned supervisors at all level to encourage good example as well as compliance with the policy.

The bank has established a Compliance Unit to oversee its internal operations to be in compliance with the regulation of the local authorities and Bank Indonesia.

There are 7 (seven) Good Corporate Governance aspects which reflect the implementation of bank’s Good Corporate Governance including bank compliance toward to each aspect as follows:

1.1 Performance of duties and responsibilities of Board of Commissioners and Board of Directors.

1.2

Bangkok Bank, Jakarta branch is a branch office of Bangkok Bank, Thailand, therefore Board of Commissioners who is known as Non- Executive Directors are domiciled at Bangkok Head Office, Thailand. This Board of Commissioners assumes responsibility for the implementation of Good Corporate Governance and oversees the business policy and direction of the bank.

For Bangkok Bank, Jakarta branch in this matter, the International Banking Group (IBG) domiciled at Bangkok, Head Office, is closely conducting the oversight role function of Board of Commissioners. Oversight function report from International Banking Group in regard to Board of Commissioners function for evaluating performance of Jakarta branch management on quarterly basis.

Sementara itu, Direksi atau Pimpinan Bangkok Bank Cabang Jakarta yang dipimpin oleh General Manager dan wakil General Manager serta Direktur Kepatuhan. Pimpinan kantor akan memimpin Komite Manajemen yang bertanggung jawab atas pembentukan dan pelaksanaan atas sasaran strategis dan keuangan dari Bank dan juga mengkaji ulang serta mendiskusikan masalah yang berhubungan dengan operasional bank. Komite Manajemen Cabang juga bertanggung jawab untuk mengawasi:

a.Audit Internal dan Unit Control untuk

memastikan pelaksanaan fungsi internal audit dan mengambil tindakan berdasarkan pada temuan-temuan dari audit internal.

b.Fungsi Unit Manajemen Risiko adalah untuk

pertanggungjawaban dalam rangka

pengembangan, pengukuran dan pemeliharaan kerangka kerja manajemen risiko.

c.Unit Kepatuhan untuk mengawasi penerapan

praktek good corporate governance dan memastikan kepatuhan bank terhadap peraturan dan hukum yang berlaku.

1.2. Struktur, Keanggotaan, Tugas dan Tanggung Jawab Komite

Di Kantor Pusat Bangkok Bank, Thailand, komite-komite tersebut telah diatur untuk memonitor dan mengawasi operasional bank dan melaporkan kemajuan yang terjadi ke Non-Executive Direksi secara periodik. Komite-komite ini terdiri dari Komite Audit, Komite Nominasi dan Remunerasi, Komite Risk Monitoring, dan Komite Manajemen.

Sementara itu Bangkok Bank Kantor Cabang Jakarta, sebagai kantor cabang bank asing tidak diharuskan untuk membentuk komite tersebut sejak Dewan Direksi di Kantor Pusat telah membentuknya.

Bagaimanapun di kantor pusat fungsi dari tiap komite-komite tersebut telah diterapkan dengan baik dan dibawah kontrol International Banking Group (IBG) untuk mengawasi kinerja manajemen dari kantor cabang Jakarta. Dan laporan fungsi pengawasan dari International Banking Group (IBG) juga telah diterima oleh kantor cabang Jakarta setiap 3 bulan sekali.

Meanwhile, Board of Director or called Branch Management (Pimpinan) of Bangkok Bank Indonesia who is chaired by General Manager, and Deputy General Manager and Compliance Director. The Branch Management or Pimpinan shall lead the Branch Management Committee who is responsible for the formulation and execution of strategies and financial objectives of the bank as well as reviewing and discussing matters related to banking operation.

The Branch management is also responsible for supervising:

a. Internal Audit and Control Unit for ensuring the execution of internal audit function and taking action based on regular internal audit findings. b. Risk Management Unit function is to take

overall accountability for the development, measurement and maintenance of the bank’s risk management framework.

c. Compliance Unit for overseeing the implementation of good corporate governance practices and ensuring bank’s compliance with the prevailing laws and regulations.

1.2 Structures, Membership, Duties and Responsibilities of the Committees.

In Bangkok Bank- Head Office, Thailand, the committees have been set up to closely monitor and oversee the bank’s operation and report the progress to the Non- Executive Board of Directors on a regular basis. These committees include the Audit Committee, Nomination and Remuneration Committee, Risk Monitoring Committee and Management Committee.

Meanwhile, Bangkok Bank, Jakarta branch as

foreign branch office in this regard does not have to form such committees since Board of Directors at Head Office has established them.

However, the functions of such committees have properly implemented in Head Office and it has been conducted under International Banking Group (IBG) to oversee the Jakarta’s branch management performance in respective committee function. The oversight function report from International Banking Group (IBG) has also been received by Jakarta branch on quarterly basis.

Fungsi dari masing-masing komite itu dapat dideskripsikan sebagai berikut:

 Komite Audit bertugas untuk membantu

Dewan Komisaris dalam proses audit laporan keuangan, internal control dan audit, dan pemilihan dan penunjukkan eksternal audit bank.

 Komite Risk Monitoring bertugas untuk

mengawasi dan memastikan profil manajemen risiko bank apakah sudah cukup memadai,

sistematis, efisien, efektif dan

memaksimalkan nilai terhadap kinerja bank, dan juga apakah sudah sejalan dengan rencana strategis bank dan kebijakan manajemen risiko secara keseluruhan.

 Komite Nominasi dan Remunerasi bertugas

untuk memilih dan menunjuk orang yang tepat untuk posisi pekerjaan yang ditentukan dan juga untuk mengevaluasi kinerja secara individu, dan kebijakan penggajian dan paket benefit yang diterima oleh level eksekutif dan staffnya.

Kinerja semua komite diatas telah diterapkan dengan baik di Kantor Pusat.

Sedangkan penerapan strategi dan rencana bisnis Bangkok Bank Indonesia diatur oleh komite sebagai berikut:

a. Komite Manajemen

Untuk memastikan efisiensi kinerja bank yang mencakup penelahaan secara periodik, pengarahan operasional bank, kebijakan, strategi, ALMA dan juga masalah kepegawaian serta bagian umum yang akan dibicarakan di dalam komite.

Komite Manajemen diketuai oleh General Manager selaku Pimpinan Cabang dan 3 (tiga) Deputy General Manager selaku wakil, yang dibantu oleh :

- Head of Treasury

- Head of Operation

- Head of Compliance

- Head of Risk Management

- Head of Internal Audit

- Head of Marketing

- Head of Budget&Planning

Pertemuan rutin Komite Manajemen

dilakukan minimal 1 (satu) kali dalam satu bulan, dan hasil pertemuan dicatat dalam notulen yang diedarkan kepada anggota komite dan disampaikan kepada IBG Kantor Pusat.

The function of each committee can be described as follows:

 The objectives of the Audit Committee are to assist the Board of Commissioners with regard to process audit of financial reports, internal control and internal audit and to select and appoint the bank’s external auditors.

 The objective of Risk Monitoring Committee is

to oversee and ensure that bank’s management risk profile is adequate, systematic, efficient, and effective and maximizes value to the bank and is also to be in-line with the bank’s strategic plan and overall risk management policy.

 The objective of Nomination and Remuneration

Committee is to select and nominate suitable persons for appointment job position as well as to evaluate individual performance and policy of remuneration or benefit package for executive level and its staffs.

All performance of committees above has already been properly implemented in Head Office.

However, in implementing the strategic and business plan of the bank, Bangkok Bank Indonesia is managed under following committees:

a. Management Committee

To ensure proper and efficient running of the entire operation covering periodical review and directions of bank operation, policy, and strategy, ALMA as well as personnel and general affairs matters.

Management Committee is chaired by the General Manager as Branch Manager and three (3) Deputy General Manager as representative, who is assisted by:

- Head of Treasury

- Head of Operation

- Head of Compliance

- Head of Risk Management

- Head of Internal Audit

- Head of Marketing

- Head of Budget & Planning

Management Committee conducted regular meetings at least 1 (one) time in a month and the results are recorded in the minutes of the meeting circulated to committee members and submitted to Headquarters IBG.

b. Komite Kredit

Komite ini bertanggung jawab untuk mengakses dan mempertimbangkan semua portfolio bank, yang tercakup di dalamnya nasabah kredit lancar maupun pinjaman kredit bermasalah.

Komite kredit akan bertemu secara periodik untuk menelaah dan mendiskusikan aktivitas dari aplikasi kredit yang masuk, suku bunga kredit, dan strategi marketingnya.

Fungsi dari Komite Kredit adalah

bertanggung jawab untuk menyetujui atau menolak, merekomendasi aplikasi kredit berdasarkan kewenangan kantor cabang. Pertemuan rutin Komite kredit diadakan setiap 2 minggu sekali atau disesuaikan dengan kebutuhan dan hasil pertemuan dicatat dalam notulen yang diedarkan kepada anggota komite dan disampaikan kepada IBG Kantor Pusat.

Komite Kredit diketuai oleh General Manager selaku Pimpinan Cabang dan 3 (tiga) Deputy General Manager selaku wakil, yang dibantu oleh :

- Head of Marketing

- Head of Treasury

- Head of Operation

- Head of Compliance (non-voting)

- Head of Risk Management (non-voting)

- Head of Internal Audit (non-voting)

c. Komite Manajemen Risiko

Komite ini bertanggung jawab untuk mengawasi penerapan kerangka kerja dan strategi majemen risiko, komposisi risiko dari setiap tipe risiko itu dan juga memeriksa secara periodik prosedur dari manajemen risiko.

Bangkok Bank Indonesia menggunakan peringkat kredit yang handal sebelum menyetujui semua kredit baru ataupun perpanjangan fasilitas kredit. Penilaian ini menjadi alat yang penting bagi manajemen risiko kredit dan digunakan sebagai standar underwritting dan juga panduan penetapan harga.

Komite Manajemen Risiko diketuai oleh Deputy General Manager bidang Operation dan dibantu oleh 2 Deputy General Manager, sedangkan General Manager diundang dan hadir dalam pertemuan rutin Komite Maagemen Risiko,

b. Loan Committee

This committee is responsible to assess and consider all banks’ portfolio, which include active and non-performing loan accounts. The Loan Committee will meet periodically to review and discuss the following activities of loan application, loan pricing and marketing strategies.

The Loan Committee responsibility and function is to approve or reject, recommend or decline credit application according to branch authorization.

The routine meetings are held in every two weeks or more often to match with the requirement and the results recorded in the minutes of the meeting circulated to committee members and submitted to Headquarters IBG. Credit Committee is chaired by the General Manager as Branch Manager and three (3) Deputy General Manager as representative, who is assisted by:

- Head of Marketing

- Head of Treasury

- Head of Operation

- Head of Compliance (non-voting)

- Head of Risk Management (non-voting)

- Head of Internal Audit (non-voting)

c. Risk Management Committee

This committee is responsible to monitor the implementation of risk management framework and strategy, composition of risk for each type of risks as well as periodically review on risk management procedure. Bangkok Bank Indonesia requires a valid credit rating prior approval of any new or renewed credit facility. Rating is one of the most important tools of credit risk management and used in the underwriting standards as well as in pricing guidelines.

The Risk Management Committee is chaired by the Deputy General Manager of Operations and assisted by two Deputy General Manager, meanwhile General Manager please invited in the Risk Management Committee meeting.

anggota dari Komite Manajemen Risiko :

- Head of Treasury

- Head of Operation

- Head of Compliance

- Head of Risk Management

- Head of Internal Audit

Pertemuan rutin Komite Manajemen Risiko dilakukan minimal 1 (satu) kali dalam satu bulan, dan hasil pertemuan dicatat dalam notulen yang diedarkan kepada anggota komite dan disampaikan kepada IBG Kantor Pusat.

d. Komite Aset dan Liabilitas (ALCO)

Komite ini bertanggungjawab untuk mengatur kinerja dari aset – aset dan liabilitas yang dimiliki oleh Bank (ALMA). Dalam

melaksanakan tanggungjawab tersebut,

Komite ALCO melakukan langkah-langkah sebagai berikut :

a. Memformulasikan dan memantai

penerapan strategi ALMA sesuai dengan rencana bisnis Bank.

b. Memantau penetapan strategi harga untuk

memastikan hasil optimum, mengurangi biaya penggunaan dana, dan menjaga keseimbangan neraca keuangan Bank. c. Mengevaluasi posisi risiko suku bunga

bank dimana harus konsisten dengan manajemen risiko suku bunga

d. Berkoordinasi dengan Departemen

Treasuri Kantor Pusat dan Overseas Treasury Center (OTC) dalam melakukan manajemen aset dan liabilitas Bank. Komite ALCO diketuai oleh General Manager selaku Pimpinan Cabang dan 3 (tiga) Deputy General Manager selaku wakil, yang dibantu oleh :

- Head of Treasury

- Head of Operation

- Head of Compliance

- Head of Risk Management

- Head of Internal Audit

- Head of Marketing

- Head of Budget&Planning

Pertemuan rutin ALCO dilakukan minimal 1 (satu) kali dalam satu bulan, dan hasil pertemuan dicatat dalam notulen yang diedarkan kepada anggota komite dan disampaikan kepada IBG Kantor Pusat.

Members of the Risk Management Committee:

- Head of Treasury

- Head of Operation

- Head of Compliance

- Head of Risk Management

- Head of Internal Audit

Regular meetings of the Risk Management Committee conducted a minimum of 1 (one) time in a month and the results are recorded in the minutes of the meeting circulated to committee members and submitted to Headquarters IBG.

c. Asset and Liability Committee (ALCO)

This committee is responsible for managing the performance of assets - assets and liabilities held by the Bank ( ALMA ) . In carrying out these responsibilities, ALCO Committee perform the following steps :

1. Formulating and monitoring the

implementation of the strategy ALMA accordance with the Bank's business plan. 2. Monitor price -setting strategies to ensure optimum results , reduce the financing cost , and maintaining the balance of the Bank 's balance sheet

3. Evaluate the bank's interest rate risk position which must be consistent with the interest rate risk management

4. Coordinate with Treasury Department Headquarters and Overseas Treasury Center ( OTC ) in managing the assets and liabilities of the Bank.

ALCO Committee is chaired by the General Manager as Branch Manager and three (3) Deputy General Manager as representative , who is assisted by :

- Head of Treasury - Head of Operation - Head of Compliance - Head of Risk Management - Head of Internal Audit - Head of Marketing

- Head of Budget & Planning

Regular meetings of ALCO performed at least 1 (one) time in a month, and the results are recorded in the minutes of the meeting circulated to committee members and submitted to Headquarters IBG.

e. Komite Kredit Bermasalah

Komite Kredit Bermasalah (NPL Committee) bertanggungjawab untuk membahas pinjaman nasabah kepada Bank yang memiliki kualitas/kategori Kurang Lancar (2) hingga Macet (5).

Komite Kredit Bermasalah diketuai oleh General Manager selaku Pimpinan Cabang dan 3( tiga) Deputy General Manager selaku wakil, yang dibantu oleh :

- Head of Operation

- Head of Compliance

- Head of Marketing

- Head of Internal Audit

Pertemuan rutin dilakukan minimal 1 (satu) kali dalam satu bulan, dan hasil pertemuan dicatat dalam notulen yang diedarkan kepada anggota komite dan disampaikan kepada IBG Kantor Pusat.

f. Komite Teknologi Informasi

Komite ini bertanggungjawab menyampaikan rekomendasi penggunaan sistem IT kepada manajemen guna mendukung pertumbuhan bisnis dan efisiensi operasi Bank dalam strategi jangka pendek dan menengah. Komite Teknologi Informasi diketuai oleh Deputy General Manager bidang Operation dan Overseas Support Center (OSC) selaku penasehat IT, anggota komite adalah :

- Head of Operation

- Head of Compliance

- Head of Risk Management

- Head of Internal Audit

- Head of Supporting Service

Pertemuan rutin dilakukan minimal 1 (satu) kali dalam satu tahun, dan hasil pertemuan dicatat dalam notulen yang diedarkan kepada anggota komite.

e. Non-Performing Loans Committee (NPL Committee)

NPL Committee is responsible for the customer to discuss the bank loan that has a quality /

Sub-category (2) to Loss (5).

NPL Committee is chaired by General Manager as Branch Manager and three (3) Deputy General Manager as representative, who is assisted by:

- Head of Operation - Head of Compliance - Head of Marketing - Head of Internal Audit

Regular meetings conducted at least 1 (one) time in a month, and the results are recorded in the minutes of the meeting are circulated to committee members and submitted to Headquarters IBG.

g. Information Technology Steering Committee

This committee is responsible for providing recommendations to the management of the use of IT systems to support business growth and operating efficiencies in the Bank's short-term and medium-term strategy.

Information Technology Steering Committee, chaired by the Deputy General Manager of Overseas Operations and Support Center (OSC) as an IT advisor, committee members are:

- Head of Operation - Head of Compliance - Head of Risk Management - Head of Internal Audit - Head of Supporting Services

Regular meetings conducted at least 1 (one) times a year, and the results are recorded in the minutes of the meeting are circulated to committee members.

Adapun frekuensi rapat yang telah dilakukan oleh masing-masing Komite selama tahun 2013 adalah sebagai berikut :

1.3. Kinerja dari Departemen Kepatuhan, Internal Audit dan Eksternal Audit

Unit Kepatuhan dibentuk untuk membantu manajemen dalam pengawasan internal operasional dan juga kepatuhan pada peraturan dari otoritas lokal.

Unit kepatuhan bertangung jawab dalam mengkoordinasi unit operasional dan mengumpulkan informasi guna tersedianya informasi dalam pengkinian panduan kerja. Unit kepatuhan harus bekerja secara independen dan berdampingan dengan manajemen dan staf di berbagai bisnis unit. Peraturan Bank Indonesia dan peraturan

perundangan yang berlaku telah

disosialisaikan kepada unit terkait dan dibahas dalam rapat komite manajemen terutama yang

memiliki dampak terhadap kegiatan

operational ,bisnis dan stategi bank.

Memastikan komitmen bank yang dibuat kepada Bank Indonesia telah dipenuhi secara tepat waktu. Satuan Kerja Kepatuhan telah melaporkan pelaksanaan tugas dan tanggung jawabnya kepada manajemen bank secara triwulanan.

Satuan Kerja Kepatuhan juga memastikan bahwa tindakan yang memadai telah dilaksanakan guna mencegah terjadinya risiko kepatuhan yang mungkin terjadi dan mendorong terciptanya budaya kepatuhan dalam bank.. Satuan Kerja Kepatuhan dan petugas UKK juga mengkontrol pelaksanaan Prinsip Mengenal Nasabah (KYC) dan aktifitas anti pencucian uang (Anti Money Laundering) sesuai dengan ketentuan yang

berlaku. Dalam upaya meningkatkan

Komite Frekuens i

Komite Manajemen 12x

Komite Kredit 30x

Komite Manajemen

Risiko 12x

Komite Aset dan

Liabilitas 12x

Komite Kredit

Bermasalah 9x

Komite Teknologi

Informasi 2x

The frequency of meetings has been done by each committee during 2013 are as follows:

1.3 Performance of Compliance functions, internal audit and external audit.

Compliance unit has been established to assist the management in overseeing its internal operation so as to be in compliance with the regulation of authorities.

The compliance unit has the responsibility in coordinating with operation units and colleting the information for the availability and updating of work guidelines.

The compliance function shall have independence and work closely with management and staff in various business units. BI regulations and prevailing laws have been socialized to the relevant units and also been discussed in the Management Committee meeting, especially for regulations which have significant impact to the operations, business and strategy of the bank.

Ensuring the bank’s commitments made to Bank Indonesia has been rectified in timely manner.

Compliance unit also ensures that appropriate action has been taken to prevent the potential compliance risks which may occur and promote the compliance culture within the bank. Compliance unit has set up proper monitoring procedure in preventing compliance failure in submitting BI reporting requirement by each responsible unit and escalated the monitoring result in monthly Management Meeting. Compliance unit has reported their activity and responsibility to Branch Manager on quarterly

Komite Frekuensi

Management Committee 12x

Loan Committee 30x

Risk Management

Committee 12x

Asset and Liability

Committee 12x

Non Performing Loan

Committee 9x

Information Technology

pemahaman atas penerapan KYC dan AML, Satuan Kerja Kepatuhan akan terus melakukan sosialisasi kepada unit bisnis terkait untuk meyakinkan efektifitas tugasnya.

Internal audit bank (SKAI) telah menyusun rencana audit operasional dan setiap tahun memeriksa semua unit bisnis berdasarkan jadwal rencana auditnya.

Untuk tahun 2013 SKAI telah melakukan fungsi kerjanya dengan independen dan objektif.

Pada saat melakukan fungsi kerjanya, SKAI telah mengevaluasi efisiensi dan keefektifan internal kontrol bank dan kepatuhan pada perundangan-undangan yang berlaku dan peraturan Bank Indonesia.

Semua hasil temuan audit telah dilaporkan ke manajemen kantor cabang dan divisi internal audit kontrol Kantor Pusat dan informasi rekomendasi audit akan disebarkan ke unit bisnis yang bersangkutan untuk dilakukan tindakan perbaikan selanjutnya.

Internal Audit (SKAI) juga mengawasi dan mengikuti kemajuan perkembangan dan perbaikan yang dibuat oleh unit bisnis yang terlibat.

Internal Audit (SKAI) juga akan melakukan pemeriksaan tahunan mengenai kecukupan keamanan audit dan pengawasan internal dari BI-RTGS dan Sistem Kliring Nasional Bank Indonesia (SKNBI) apakah telah mematuhi peraturan yang berlaku.

Setiap 3 tahun, Audit Eksternal Independen ditunjuk untuk memeriksa keefektifan kinerja dari SKAI termasuk kaji ulang atas fungsi internal audit atas penggunaan Teknologi Informasi. Pemeriksaan terakhir yaitu pada bulan Mei 2011 dengan hasil yang cukup memadai. Sedangkan pemeriksaan Audit Eksternal Independen terhadap kinerja SKAI akan jatuh-tempo pada bulan September 2014, paling lambat. Bank telah menunjuk KAP J. Tanzil untuk melakukan pemeriksaan terhadap kinerja SKAI.

Sementara itu, untuk laporan eksternal audit tahunan dan persiapan laporan tahunan, bank telah menunjuk akuntan publik independen yang terdaftar dalam list Bank Indonesia yang bisa melakukan audit.

Penetapan kerja audit dari akuntan publik meliputi kapasitas dari kantor akuntan publik, bidang kerja audit, dan profesionalisme pemeriksa.

Penunjukan akuntan publik untuk melakukan

basis.

Compliance unit and AML (UKK) officer are also in control of Know Your Customer and

Anti-Money Laundering implementation

pursuant to regulation. In the effort to better understanding for implementation of KYC/ and AML, the compliance unit would continuously perform socialization to relevant business unit

ensuring effectiveness of duty.

.

Banks’ Internal audit (SKAI) has already arranged the operational audit plan and has annually reviewed to all business units according to its audit-planning schedule. For year 2013, the bank’s SKAI has performed its function independently and objectively. In performing its audit function, SKAI has conducted and evaluated toward the efficiency and effectiveness of the bank’s internal control and compliance to the prevailing laws and Bank Indonesia regulations.

All audit findings have been reported to branch management and internal audit control and division – Head Office and disseminate its audit

recommendation to thebusiness unit concerned

for further action to be taken.

Internal audit (SKAI) has also monitored and followed up the progress development and improvement made by business units involved. Internal audit (SKAI) has also performed annual review on the adequacy of security audit and internal review for BI-RTGS and National Clearing System (SKNBI) in order to be in compliance with the regulation.

Every 3 (three) years, an Independent External Reviewer/Auditor is appointed to review the effectiveness of SKAI work performance including review on internal audit function on Information Technology use. The last review was in May 2011 with satisfactory result. While the External Audit examination to SKAI performance is no later than September 2014. Bank has appointed J. Tanzil external auditor to conduct work performance examination on Bank’s Internal Audit.

Meanwhile, for annual external audit performance and preparing financial report, bank has appointed independent public accountant that registered under Bank Indonesia’s approved list to conduct an audit. The assignment of audit work to public accountant covers the capacity of the assigned public accountant firm, scope of audit work and professionalism of the auditor.

audit laporan keuangan kantor cabang untuk tahun 2013 telah disetujui oleh Komite Audit Kantor Pusat.

Untuk tahun buku 2013, Akuntan Publik Osman Bing Satrio dan Eni, yang merupakan anggota Deloitte Tohmatsu telah ditunjuk untuk melakukan audit keuangan bank dengan hasil pendapat Wajar Tanpa Pengecualian.

1.4. Kinerja Manajemen Risiko dan Fungsi Internal Kontrol.

Fungsi Manajemen Risiko bank mempunyai tanggung jawab untuk berbagai macam aspek risiko mencakup kredit, pasar, likuiditas, operasional, legal, strategi, reputasi, dan risiko kepatuhan dari bank.

Secara umum, manajemen kantor cabang telah aktif memonitor dan mengawasi kebijakan dan prosedur serta pengaturan limit untuk setiap jenis risiko guna memelihara kondisi manajemen risiko internal bank yang baik. Unit Manajemen Risiko secara periodik menyampaikan laporan profil risiko bank setiap 3 bulan sekali dalam rangka menganalisa dan mengatur kecukupan dari setiap risiko.

Laporan tiga bulanan profil risiko bank telah diajukan ke Bank Indonesia secara tepat waktu.

Unit Manajemen Risiko juga telah secara periodik menyampaikan laporan anti fraud setiap 6 bulan sekali dalam rangka memantau dan melakukan pencegahan risiko kejadian fraud.

Laporan enam bulanan anti fraud bank telah disampaikan ke Bank Indonesia secara tepat waktu.

Unit Manajemen Risiko juga telah mengadopsi model perhitungan Pendapatan Bunga Bersih (NII) dan model Nilai Modal Ekonomis (EVE) dari kantor regional Hong Kong guna memonitor risiko suku bunga sehubungan dengan risiko pasar. Unit Manajemen Risiko juga telah melakukan stress testing untuk risiko pasar, risiko liquidity dan risiko foreign exchange serta melakukan verifikasi terhadap kertas kerja laporan bulanan risiko operasional dan disamping itu juga memonitor posisi harian dan limit-limit serta membuat laporan bulanan analisa kredit portfolio.

conduct the audit of branch financial report for year 2013 has been approved by Head Office-Audit Committee.

For the year 2013, the Public Accountant Osman Bing Satrio dan Eni under member of Deloitte Tohmatsu has been appointed to conduct financial audit of the bank with result Unqualified Opinion.

1.4 Performance of Risk Management and Internal Control Function.

The risk management function of the bank has responsibility for various risk aspects covering of credit, market, liquidity, and operational, legal, strategic, reputation and compliance risks of the bank.

In general, branch management has actively monitored and supervised the policy and procedure as well as limit arrangement type of each risk in order to maintain the soundness of bank internal risk management condition.

Risk management unit has periodically submitted the bank’s risk profile reports on quarterly basis for analyzing and managing the adequacy of each risk.

This quarterly bank’s risk profile has been timely submitted to Bank Indonesia.

Risk management unit has periodically submitted the bank’s anti fraud reports on semi annually basis for monitoring and conduct fraud prevention.

This semi annually bank’s anti fraud report has been timely submitted to Bank Indonesia.

Risk management unit has adopted the Net Interest Income (NII) and Economic Value of Equity (EVE) models from Hong Kong regional office for monitoring interest rate risk relating to market risk. RMU has also performed general stress stesting for market risk, liquidity risk and foreign exchange risk as well as verification to monthly operational risk self assessment report, besides monitoring daily position and limit as well as providing monthly portfolio credit analysis.

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 2013, saldo pemberian kredit (dalam jutaan rupiah): a.Pihak-terkait : Rp. Nihil b.Debitur Inti:

- Individual Rp. 2.365.569 - Kelompok Rp. 8.022.179

1,6 Rencana Strategi Bisnis Bank

Target Jangka Pendek 1 tahun, menurut misi dan visi bank.

Untuk tahun 2014, Bank merencanakan untuk peningkatan atas portfolio pinjamanya sekitar 30% dibandingkan dengan saldo pinjaman pada akhir 2013. Penambahan ini dikontribusi oleh debitur baru and juga peningkatan pinjaman bagi debitur lama. Dengan ini, di tahun 2013, bank tetap berfokus pada prudent banking principle untuk menjaga kualitas kredit nasabah yang ada.

Sedangkan untuk kredit bermasalah (NPL) masih di bawah ketentuan di tahun 2013. Dalam hal penanganan kredit bermasalah (NPL), bank tetap memberikan perhatian khusus

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 exceeded 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, 2013 the outstanding balance of ( in million of Rupiah):

a. Related- party Rp. None

b. Core debtor :

- Individual Rp 2.365.569

- Group Rp 8.022.179

1.6 Bank’s strategic business plan

Short Term Target 1 year, according to the bank's mission and vision.

For the year 2014, Bank plans to increase its loan portfolio approximately 30% compared to the loan balance at the end of 2013. This increase due to new debtor and also the loans increase to existing borrowers. Thus, in 2013, Bank remains focused on prudent banking principle to maintain the credit quality of existing customers.

As for non-performing loans (NPLs) are still under the provisions in the year 2013.

In terms of handling non-performing loans (NPL), Bank still pays special attention to lower

untuk menurunkan saldo rekening kredit bermasalah. Hal yang telah dilakukan bank dalam usaha penurunan rasio kredit bermasalah yaitu dengan melakukan eksekusi agunan dan arus kas nasabah.

Dilain hal, guna mendukung pertumbuhan kredit, bank merencanakan meningkatkan pertumbuhan Dana Pihak Ketiga (DPK) melalui Cabang Jakarta dan Cabang Pembantu Surabaya dan Medan.

Di tahun 2014, bank memproyeksikan

peningkatan pendapatan bunga bersih

dibandingkan tahun 2013. Untuk mencapai tujuan ini, bank akan menerapkan 3 strategi kunci dengan peran aktif para pihak baik di cabang Jakarta serta cabang pembantu Surabaya dan Medan sebagai berikut:

Pertama, mendukung usaha debitur-debitur yang memiliki sikap Good Corporate Governance (GCG). Dalam hal ini bank secara tidak langsung dapat melaksanakan prudential banking principle, karena kecenderungan perusahaan yang memiliki good corporate governance akan lebih transparan, sehingga

bank dapat secara layak memantau

perkembangan usaha nasabah terkait.

Kedua, penambahan declared dana usaha dan modal disetor guna mendukung kelanjutan dari rencana pertumbuhan portofolio kredit untuk mencapai target pinjaman untuk nasabah.

Ketiga, kerja sama antara team marketing dengan bagian treasury untuk meyakinkan nasabah-nasabah kredit dan deposito untuk melalukan penempatan dananya pada bank dengan diberikan bunga yang menarik, sehingga bank tetap dapat terus memperoleh sumber pendanaan yang berkesinambungan dengan peningkatan kredit

Keempat, bank mendukung usaha dari nasabah-nasabah yang mempunyai proyek terkait dengan pelayanan (services) dan produksi baik untuk orientasi pasar lokal dan ekspor.

Selain Kantor Cabang Jakarta dan Cabang Pembantu Surabaya, Bank juga telah membuka Cabang Pembantu di Medan yang mulai beroperasi pada tanggal 6 November 2013. Dengan ini diharapkan bank juga dapat melayani secara efektif nasabah yang berlokasi di wilayah Indonesia bagian barat.

account balances of nonperforming loans. This has been done in an attempt to decrease the bank NPL ratio by performing collateral and cash flows of customers.

On the other hand, in order to support the growth of credit, Bank plans to increase the growth of Third Party Funds (TPF) Branch through Jakarta and Surabaya and Medan Branch.

In 2014, Bank is projecting an increase in net interest income compared to the year 2013. To achieve this goal, Bank will implement three key strategies with the active participation of both parties in Jakarta branch and sub-branch of

Surabaya and Medan as follows:

First, it supports business of borrowers who have the attitude of Good Corporate Governance (GCG). In this case the bank could indirectly implement prudential banking principle, due to the tendency of companies that have good corporate governance will be more transparent, so that the bank can properly monitor the development of the customer's business related.

Second, the addition of declared working capital and paid up capital to support the continuation of the loan portfolio growth plan to achieve the target of lending to customers.

Third, cooperation between the marketing team and treasury unit to ensure loan and deposit clients to place its fund in bank by providing competitive interest, so that banks can continue to obtain sustainable funding source to credit enhancement

Fourth, the bank supports the efforts of clients who have service-related projects (services) and good production for the local market and export orientation.

Beside Jakarta Branch and Surabaya sub Branch, Bank has also opened a Branch in Medan which commenced operations on November 6, 2013. It is expected for banks to effectively serve customers located in the western part of Indonesia.

Pada tahun 2014, Bank berencana meluncurkan beberapa aktifitas dan layanan baru sebagai berikut:

 Internet Banking yang diharapkan dapat

memberi nilai tambah bagi layanan bank ke nasabah, dan di dalam layanan ini akan meliputi layanan cek saldo, pembayaran dan aktifitas export-import.

 Bank Payment Obligation (BPO) yang

merupakan layanan menyangkut hal verifikasi atas informasi transaksi nasabah Trade Finance seperti Transaksi LC. Layanan ini di harapkan dapat memberikan nilai tambah bagi nasabah dalam hal efisiensi dan akurasi atas informasi transaksi.

 Bonds Repo

 Cross Currency Swap

Selain itu, direncanakan pada tahun 2014, seorang Deputy General Manager (DGM) akan bergabung dengan Bangkok Bank cabang Jakarta guna melakukan supervisi dan mengembangkan kantor cabang Pembantu Surabaya dan Medan, Peran dari DGM baru ini adalah untuk membantu General Manager (GM) dalam pengembangan bisnis bank ke depan. Selain itu, direncanakan akan adanya satuan Japanese Desk di kantor Cabang Jakarta yang di kepalai oleh seorang tenaga asing dengan jabatan advisory guna memberikan pelayanan bagi nasabah Jepang yang di perkenalkan oleh kantor pusat. Diharapkan, Japanese Desk akan dapat memberikan kontribusi yang cukup berarti bagi portfolio pinjaman bagi Bank.

Sebagai kesimpulan, strategi bank adalah mendukung perbankan di Indonesia yaitu memberikan pinjaman kepada sektor korporasi

dengan tujuan untuk mempertahankan

pertumbuhan ekonomi Indonesia di tahun 2014 dan mendatang. Dalam hal ini bank akan mendukung nasabah yang membutuhkan pinjaman investasi dan pendanaan atas export-import.

Sedangkan untuk sumber pendanaan, bank merencanakan untuk terus menggunakan dana pihak ketiga, dana dari kantor pusat dalam bentuk Dana Usaha dan modal disetor untuk dapat di salurkan dalam bentuk pinjaman bagi korporasi dan UMKM. Di tahun 2014, bank berencana untuk menambah Modal Disetor setara USD 150 Juta dan mendapatkan tambahan Dana Usaha baru sebesar USD 150 Juta yang akan digunakan untuk terus mendukung kebutuhan pinjaman pada nasabah

In 2014, the Bank plans to launch several new activities and services as follows:

• Internet Banking is expected to add value to the bank's services to customers, and in this service will include service checks and

balances, payments and export-import

activities.

• The Bank Payment Obligation (BPO) services in this regard which is the verification of the customer transaction information such as Trade Finance Transaction LC. This service is expected to provide added value to customers in terms of efficiency and accuracy of the information transaction.

• Bonds Repo

• Cross Currency Swap

In addition, planned in 2014, a Deputy General Manager (DGM) will join the Jakarta branch to supervise and develop the sub branch of Surabaya and Medan, The role of this new DGM is to assist the General Manager (GM) in the bank's future business development. In addition, Japanese Desk is expected in Jakarta branch and headed by a foreign power to advisory positions in order to provide services to customers in Japan are introduced by the central office. Bank expected Japanese Desk will be able to provide significant contribution to the Bank's loan portfolio.

In conclusion, Bank's strategy is to support banks in Indonesia, which lend to the corporate sector with the aim to sustain economic growth in Indonesia in 2014 and the coming years. In this case the bank will support customers who need loans and investments over the

export-import financing.

As for the source of funding, Bank plans to continue to use third-party funds, the funds from the central office in the form of Working Capital and paid-up capital to be granted in the form of loans to corporations and SMEs. In 2014, Bank plans to add an additional Paid-up Capital amount of USD 150 Million and Working Capital amount of USD 150 Million that will be used to continue to support the borrowing needs of the customers in Rupiah and USD.

dalam mata uang Rupiah dan USD.

Bank telah menempatkan dan memelihara Asset yang digolongkan sebagai CEMA , minimum sebesar Rp 1 Triliun dalam bentuk Surat Berharga Negara Indonesia.

Dalam hal pemindahan Data Center (DC), Bank

merencanakan langkah strategis dalam

mempersiapkan pemindahan Data Center dan Data Recovery Center kembali ke wilayah Indonesia dalam jangka waktu 4(empat) tahun ke depan, sesuai dengan implementasi Peraturan Pemerintah no.82 tahun 2012 tertanggal 12 Oktober 2012 tentang penyelenggaraan sistem dan transaksi elektronik. Dalam hal ini bank akan mempersiapkan infrastruktur internal dan sumber daya manusia yang memadai guna pemindahaan tersebut dapat terealisasi.

Target Jangka Menengah (3 tahun) sesuai dengan misi dan visi bank.

Dalam beberapa tahun terakhir ini, bank telah mencapai kinerja keuangan yang positif sesuai pertumbuhan organik. Bank juga bekerja sama dengan nasabah-nasabah utama dan kelompok

nasabah dalam rangka pengembangan

aktivitasnya didalam industri perbankan.

Ada 4 strategi kunci untuk mendukung target kami, seperti:

1. Secara keuangan, bank akan tetap berusaha untuk melaksanakan prudent banking, serta

tetap memelihara stabilitas jangka

menengah dan panjang dari pertumbuhan aktiva dan modal dan pendapatan.

2. Dalam hal pendekatan pada pasar / nasabah, bank akan terus berusaha meningkatan dana pihak dari individual dan perusahaan.

3. Meningkatkan pelayanan kepada nasabah melalui pelatihan staff dan pengembangan keahlian.

4. Bank akan terus memonitor kinerja keuangan bank, sehingga bank dapat mengkaji ulang dengan langkah-langkah untuk memperbaiki kinerja dan strategi.

Target Jangka Panjang (5 tahun) sesuai dengan arahan dari Kantor Pusat.

 Mengembangkan investasi antar negara bagi para nasabah Bank dengan melakukan

referral antar Kantor Pusat dan

cabang-Bank has already place and maintain CEMA Asset minimum Rp 1 Trilion in the form of Indonesian Government Bond.

In the case of the transfer of the Data Center (DC), the Bank planned strategic step in preparing for the transfer of Data Center and Data Recovery Center back to Indonesia in a period of 4 (four) years, in accordance with the implementation of Government Regulation No.82 of 2012 dated October 12 2012 on the implementation of systems and electronic transactions. In this case the bank will prepare internal infrastructure and adequate human resources for the implementation of its on-shoring.

Medium Term Targets (3 years) in accordance with the mission and vision of the bank.

In recent years, the bank has achieved positive financial performance in accordance organic growth. Bank is also working with major borrower and groups borrower in order to develop its activities in the banking industry.

There are 4 key strategies to support our target, such as:

1. Financially, Bank will continue to strive to implement prudent banking, while maintaining the stability of the medium-and long-term growth and capital assets and income. 2. In terms of the approach to the market / customer, the bank will continue to increase funding from individual and corporate parties. 3. Improve customer service through staff

training and skills development.

4. Bank will continue to monitor the financial performance of the bank, so the bank can monitor with measures to improve performance and strategy.

Target Long Term (5 years) in accordance with the directives of the Central Office.

• Develop inter-state investment bank for its customers by making referrals between the Head Office and branches of overseas Bank,

cabang Bank di Luar Negeri, dan Japanese Desk untuk mengembangkan usaha nasabah Jepang yang di perkenalkan oleh Kantor Pusat di Jakarta.

 Memilih untuk mendanai industri-industri di Jakarta yang dapat menyerap permintaan yang tinggi dan berkelanjutan dalam negeri maupun ekspor ke Luar Negeri.

 Perkuatan jaringan aktivitas cabang di

kawasan Asia dan Asia Tenggara guna

menyokong Program Ekonomi Asia

Tenggara. Dalam hal ini, peran cabang Jakarta diharapkan dapat memberikan kontribusi yang berarti dalam menyongsong program Ekonomi Asia Tenggara.

a) 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 Desember 2012 Bank telah mempunyai

local website sendiri yaitu

(www.bangkokbank.co.id) untuk

menyediakan informasi secara elektronik ke publik.

2 Informasi Kepemilikan Saham dalam Hubungannya dengan Dewan Komisaris dan Direksi

Bangkok Bank Cabang Jakarta adalah kantor cabang dari Kantor Pusat Bangkok Bank di Thailand, dalam hal ini tidak ada informasi kepemilikan saham bank yang dilaporkan dan juga tidak ada hubungan keuangan dan keluarga diantara anggota manajemen dengan pemegang

and Japanese Desk to develop business for

Japanese customers in Jakarta.

• Choosing to fund industries in Jakarta that absorb high demand and sustainable in domestic market and export to overseas. • Strengthening the network activity of branches in Asia and Southeast Asia to support the Southeast Asian Economic Program. In this case, the role of the Jakarta branch is expected to make a significant contribution to Southeast Asian Economic programs.

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 December 2012 report, bank has already provided local website alone by using homepage/website (www.bangkokbank.co.id) in order to allow public to electronically access the Bank’s financial and non- financial information.

2. Shares ownership information in relation to Board of Commissioners and Board of Directors

Bangkok Bank, Jakarta branch is a branch office of Bangkok Bank – Head Office, Thailand, therefore, there was no shares ownership information of the bank to be declared and also there were no financial and family relationship among management members with bank’s controlling shareholders.

saham bank.

3 Paket Remunerasi kepada Dewan Komisaris dan Direksi

Paket Remunerasi untuk Pimpinan Bangkok Bank dapat dijabarkan sebagai berikut:

a. Paket Remunerasi seperti gaji, bonus dan tunjangan rutin dan fasilitas lain berkisar antara Rp 6.553.120.683 per tahun untuk 5 orang.

b. Fasilitas lain dalam bentuk tunjangan seperti rumah, transport, dan asuransi kesehatan sebagai berikut:

- yang akan dimiliki : Rp. Nihil

- yang akan dipakai tapi tidak dimiliki: Rp 703.160.000 per tahun untuk 5 orang (General Manager, 3 Deputy General Manager dan Direktur Kepatuhan).

- Fasilitas Asuransi Kesehatan untuk

manajemen lokal adalah Rp 29.249.300 Total paket remunerasi selama tahun 2013 adalah sebagai berikut:

Jumlah Direksi/Man Komisaris

> Rp 2milyar 1 Nihil

Rp 1 s/d 2

milyar 1 Nihil

Rp 500jt s/d 1

milyar 2 Nihil

< Rp 500 jt 1 Nihil

4 Shares dan Option

Karena merupakan kantor cabang dari bank asing maka tidak ada kepemilikan saham dan option yang diberikan dan dilakukan oleh manajemen Bangkok Bank Kantor Cabang Jakarta.

5 Salary Ratio

 Rasio gaji karyawan tertinggi dan terendah = 17 : 1

 Rasio gaji direksi tertinggi dan terendah = 6 : 1

 Rasio gaji komisaris tertinggi dan terendah =

nihil

 Rasio gaji Direksi dan karyawan teringgi = 3 : 1

3. Remuneration package of Board of Commissioners and Board of Directors

Remuneration package for Bangkok Bank Indonesia’s Pimpinan /branch management can be described as follows:

a. Remuneration package such as salary, bonus, routine allowance and other facility non benefit in-kind are Rp. 6,553,120,683 per year for 5 persons

b. Other facilities in form of benefit in-kind such as housing, transportation and health insurance that:

- Will be owned: Rp None

- Will be used and not owned: Rp

703,160,000 per year for 3 persons (General Manager, 3 Deputy General Manager and Compliance Director).

- Health Insurance facility for local

management are Rp.29,249.300

Total remuneration package during year 2013 as follows:

Management Commissary

Above Rp 2

billion. 1 None

Rp 1 bilion up to

Rp 2 billion 1 None

Rp 500 million up

to Rp 1 billion. 2 None

Below Rp 500

million 1 None

4. Shares and Option

Due to as a foreign branch office, there was no Shares owned and Option have been given and executed by Bangkok Bank Indonesia’s branch management.

5. Salary ratio

 The highest and the lowest of employee salary

ratio = 17 : 1

 The highest and the lowest of Director salary ratio = 6 : 1

 The highest and the lowest of Commissioner salary ratio = None

 The highest salary of Director and Employee ratio = 3 : 1

MANAJEMEN

The Management

KOMITE–KOMITE INTERNAL

Peraturan Bank Indonesia no 2/27/PBI/2000 tanggal 15 Desember 2000 mengenai Bank umum menyebutkan bahwa pejabat eksekutif adalah pejabat yang mempunyai pengaruh terhadap kebijakan dan operasional bank serta bertanggung jawab langsung kepada Direksi. Keputusan yang dibuat dan diambil atas semua kebijakan harus mendapat persetujuan dari komite yang terkait.

Komite-komite yang terdapat dalam bank adalah: i. KOMITE MANAJEMEN

Komite ini bertanggung jawab atas efisiensi kinerja bank. Termasuk penelahaan secara periodik dan pengarahan operasional, personalia, serta bagian umum yang akan dibawa dan dibicarakan didalam komite. Rapat akan diadakan setiap bulan atau sesuai dengan kebutuhan.

Anggota komite saat ini adalah: - Chalit Tayjasanant - Joko Chahjono

- Nilubol Isarankura Na Ayudhya - Udomsab Srirojanakul

- Lily D. Eman

- Michael Anthony Kosman - Anwar Munaf

- Heru Purwanto

- Louis Chandra

- Mario Prayitno

ii. KOMITE ASET dan KEWAJIBAN

ALCO adalah komite yang specific dibentuk dibawah IBG (International Banking Group – HO) yang bertanggung jawab dalam mengelola asset dan kewajiban bank sekaligus melaporkannya pada IBG. Beranggotakan sebagai berikut:

- Chalit Tayjasanant - Joko Chahjono

- Nilubol Isarankura Na Ayudhya - Udomsab Srirojanakul

- Lily D. Eman

- Michael Anthony Kosman - Anwar Munaf

- Heru Purwanto

- Louis Chandra - Mario Prayitno

INTERNAL COMMITTEES

Bank Indonesia regulation No 2/27/PBI/2000 dated December 15, 2000 regarding Commercial bank defines Executive Officer as any position exerting influence on bank policy and operations and is directly responsible to the Boards of Directors. Relevant committee approved decisions on policies and directions of the bank.

Established committees in the bank are: i. MANAGEMENT COMMITTEE

The committee is responsible to ensure proper and efficient bank performance running. It covers the periodical review and direction of operations, personnel and general affairs. Any matters arise during the course of operation will be brought up by appropriate members for further deliberation of the committee. The meeting will be held monthly or as often as required.

The current members are: - Chalit Tayjasanant

- Joko Chahjono

- Nilubol Isarankura Na Ayudhya - Udomsab Srirojanakul

- Lily D. Eman

- Michael Anthony Kosman - Anwar Munaf.

- Heru Purwanto

- Louis Chandra

- Mario Prayitno

ii.ASSETS AND LIABILITIES COMMITTEE

ALCO is a specific committee delegated by IBG to be responsible for managing bank’s assets and liabilities as well as to report to IBG through Management Committee.

With the following members: - Chalit Tayjasanant

- Joko Chahjono

- Nilubol Isarankura Na Ayudhya - Udomsab Srirojanakul

- Lily D. Eman

- Michael Anthony Kosman - Anwar Munaf

- Heru Purwanto

- Louis Chandra - Mario Prayitno

iii. KOMITE KREDIT

Tanggung jawab utama dari komite ini adalah mengakses dan menganalisa seluruh portofolio pinjaman dari bank termasuk baik rekening pinjaman lancar maupun pinjaman bermasalah.

Rapat diadakan setiap minggu dan dihadiri oleh anggota yang spesifik telah disetujui oleh Kantor Pusat. Anggota komite saat ini adalah:

- Chalit Tayjasanant - Joko Chahjono

- Nilubol Isarankura Na Ayudhya - Udomsab Srirojanakul

- Lily D. Eman

- Michael Anthony Kosman - Anwar Munaf

- Heru Purwanto - Mario Prayitno

iiii. KOMITE MANAGEMEN RESIKO

Komite ini bertanggung jawab atas pemantauan penerapan kebijakan managemen resiko, memantau posisi resiko untuk setiap jenis resiko dan aktivitas fungsional serta memeriksa secara berkala mengenai managemen resiko.

Rapat akan diadakan setiap bulan atau sesuai dengan kebutuhan.

Anggota komite yang sekarang adalah: - Joko Chahjono

- Nilubol Isarankura Na Ayudhya - Udomsab Srirojanakul

- Heru Purwanto - Anwar Munaf - Mario Prayitno

iii. LOAN COMMITTEE

The main responsibility of this committee is to assess and analyze all the banks’ loan portfolio, which includes active and non-performing loan accounts. The meeting will be held weekly and attended by members specifically approved by Head Office.

The current members are: - Chalit Tayjasanant - Joko Chahjono

- Nilubol Isarankura Na Ayudhya - Udomsab Srirojanakul

- Lily D. Eman

- Michael Anthony Kosman - Anwar Munaf

- Heru Purwanto - Mario Prayitno

iiii. RISK MANAGEMENT COMMITTE

The Committee is responsible to monitor the implementation of risk management strategy, composite risk position for each type and functional activity and periodically review on risk management procedure.

The meeting will be held monthly basis or as often as required.

The current members are: - Joko Chahjono

- Nilubol Isarankura Na Ayudhya - Udomsab Srirojanakul

- Heru Purwanto - Anwar Munaf - Mario Prayitno

Pejabat Eksekutif /

Executives

:

Chalit Tayjasanant, Senior Vice President

General Manager, lahir pada tanggal 24 Mei 1953, sebelum penunjukkannya pada bulan Maret 2002, beliau menjabat sebagai Pejabat Kepala Eksekutif dan Direktur Eksekutif dari Bangkok Bank Berhad, Kuala lumpur. Setelah mendapat gelar Bachelor of Science dari Michigan Technological University, dan Master of Science dari University of Dallas, beliau bergabung dengan Bangkok Bank Kantor pusat pada bulan Januari 1981

General Manager, born on May 24, 1953, before his appointment in March 2002, he was formerly Chief Executive Officer & Executive Director of Bangkok Bank Berhad, Kuala Lumpur. After receiving his Bachelor of Science from Michigan Technological University and Master of Science from University of Dallas, he joined Bangkok Bank, Head Office in January 1981.

Joko Chahjono, Senior Vice President

Deputy General Manager, lahir pada tanggal 23 Maret 1962. Beliau bergabung dengan Bangkok Bank, Jakarta tahun 1989 sebagai Operation Officer. Pada tahun 2001, diangkat sebagai Vice President yang membawahi Departemen Operasional. Selanjutnya di tahun 2008, beliau diangkat sebagai Deputy General Manager yang membawahi Departmen Operasional dan Supports & Services. Beliau meraih gelar Sarjana Ekonomi dalam bidang Akuntansi dari Universitas Tarumanegara, Jakarta pada tahun 1986.

Nilubol Isarankura Na Ayudhya,

Vice President

Deputy General Manager, lahir pada tanggal 14 Agustus 1971. sebelum penunjukkannya pada bulan Juni 2012, beliau menjabat sebagai Vice President di International Banking Group Bangkok Bank Kantor Pusat, beliau diangkat sebagai Deputy General Manager yang membawahi Departemen Marketing dan Departemen Treasury. Beliau meraih gelar Bachelor of Financial and Banking dari Thammasat University di Bangkok, Thailand pada tahun 1989 dan Master of Business Administration dari University of Central Oklahoma, di Oklahoma, Amerika Serikat, pada tahun 1994.

Udomsab Srirojanakul, Assisten Vice President

Deputy General Manager, lahir pada tanggal 11 Agustus 1968. sebelum penunjukkannya pada bulan Juni 2012, beliau menjabat sebagai Assisten Vice President di International Branch Business Department Bangkok Bank Kantor Pusat, beliau diangkat sebagai Deputy General Manager yang membawahi Departemen Managemen Risiko dan Credit Acceptance. Beliau meraih gelar Bachelor of Business Administration dari Assumption University di Bangkok, Thailand pada tahun 1992 dan Master of Business Administration dari University of Central Oklahoma di Amerika Serikat pada tahun 1995.

Deputy General Manager, born on March 23, 1962, He joined Bangkok Bank, Jakarta in 1989 as Operation Officer. In 2001, he was promoted to Vice President and supervise Operation Department. Subsequently, in 2008, he was promoted to Deputy General Manager to supervise both Operations and Supports & Services Department. He obtained his Bachelor of Economics in Accounting from University of Tarumanegara, Jakarta in 1986.

Deputy General Manager, born on August 14, 1971, before her appointment in June 2012, she was formerly Vice President International Bangking Group of Bangkok Bank, Head Office. he was promoted to Deputy General Manager to supervise both Marketing and Treasury Department. She obtained her Bachelor of Fiancial adnd Banking from Thammasat University in Bangkok, Thailand in 1989 and Master of Business Administration from University of Central Oklahoma in United Stated of America in 1994.

Deputy General Manager, born on August 11, 1968, before her appointment in June 2012, she was formerly Assisten Vice President International Branch Business Department of Bangkok Bank, Head Office. he was promoted to Deputy General Manager to supervise both Risk Management and Credit Acceptance Department. She obtained her Bachelor of Business from Assumption University in Bangkok, Thailand in 1992 and Master of Business Administration from University of Central Oklahoma in United Stated of America in 1995.

Lily Darmawati Eman, Vice President

Head of Operations, lahir pada tanggal 17 Maret 1964, bergabung dengan Bangkok Bank sejak tahun 1986 dimulai dari bagian Credit Administration dan menjadi kepala Customer Services pada tahun 2004. Di angkat sebagai Asisstant Vice president di tahun 2007. Selanjutnya, di tahun 2008, beliau di promosikan menjadi Vice President yang mengepalai Operations Department. Beliau memperoleh gelar Sarjana Muda dalam bidang Ilmu Kesekretarisan dari Akademi Sekretaris LPK Tarakanita di tahun 1986 dan Sarjana Ekonomi dalam bidang Manajemen Keuangan dari Universitas Indonesia di tahun 1995.

Head of Operations, born on March 17, 1964, joined with Bangkok Bank since 1986. In the beginning, she started her career in Credit Administation unit, and became Head of Customer Services in 2004. She was promoted to Asisstant Vice President in 2007. Next, in 2008, she was promoted to Vice President of Operations Department. She obtained her diploma degree in Secretrarial Knowledge from LPK Tarakanita College in 1986 and Bachelor of Economics in Financial Management from University of Indonesia in 1995.

Michael Anthony Kosman, Vice President

Head of Marketing, lahir pada tanggal 17 April 1969, bergabung dengan Bangkok Bank sejak tahun 2006 dimulai sebagai Marketing Officer dan menjadi Vice President /Head of Marketing pada tahun 2009. Beliau memperoleh gelar Bachelor of Science dalam bidang Accounting dari Rutger’s State University of New Jersey (AS) dan Master in Business Administration dalam bidang Keuangan dari ST. John’s University di New York (AS).

Head of Marketing, born on April 17, 1969, joined with Bangkok Bank since 2006. In the beginning, he started his career as a Marketing Officer, and became Head of Marketing in 2009. He obtained his Bachelor of Science in Accounting from Rutger’s State University of New Jersey (USA) and Master in Business Administration major in Finance from Saint John’s University in New York (USA).

Anwar Munaf, Assistant Vice President

Direktur Kepatuhan, lahir pada tanggal 20 April 1959, bergabung dengan Bangkok Bank, Jakarta tahun 1989 dimulai dari posisi akunting supervisor hingga Kepala bagian ekspor impor. Pada tahun 2002 diangkat sebagai Assistant Vice President, membawahi departemen budget dan planning. Dan sejak 14 November 2005 ditunjuk sebagai Direktur Kepatuhan. Meraih gelar Sarjana Ekonomi dalam bidang Akuntansi dari Sekolah Tinggi Ekonomi Indonesia, Jakarta pada tahun 1986.

Compliance Director, born on April 20, 1959, he joined Bangkok Bank Jakarta in 1989 started from Accounting Supervisor to Head to Bills department. In 2002, he was promoted to Assistant Vice President and supervises Budget and Planning Department. And starting November 14, 2005 he was appointed to take position as Compliance Officer. He obtained his bachelor of Economics in Accounting from Sekolah Tinggi Ekonomi Indonesia, Jakarta in 1986.

Louis Chandra, Assistant Vice President

Head of Supports and Services, lahir pada tanggal 08 December 1977, bergabung dengan Bangkok Bank sejak tahun 2007 dan sekarang ini menjabat sebagai Assistant Vice President. Beliau memperoleh pengalaman di bidang akuntansi dan audit dari Deloitte Accounting Firm dan berbagai program pelatihan. Beliau memperoleh gelar Sarjana Ekonomi dari City University of New York (AS) di tahun 2003.

Head of Supports and Services, born on December 08, 1977, joined with Bangkok Bank since 2007, and hold a position as Assitant Vice president. He obtained accounting and auditing experiences from Deloitte Accounting Firm and various training programs. He obtained Bachelor of Business Administration from City University of New York (U.S.A) in 2003.

Mario Prayitno, Assistant Vice President

Head of Audit and Control, lahir pada tanggal 28 April 1979, bergabung dengan Bangkok Bank sejak tahun 2005 dan sekarang ini menjabat sebagai Assistant Vice President. Beliau memperoleh pengalaman di bidang akuntansi dan audit dari Arthur Andersen auditing Firm and Public Accountant Drs. J. Tanzil & Co., dan berbagai program pelatihan. Beliau memperoleh gelar Sarjana Ekonomi dari Universitas Atma Jaya di tahun 2001.

Head of Audit and Control, born on April 28, 1979, joined with Bangkok Bank since 2005, and hold a position as Assitant Vice president. He obtained accounting and auditing experiences from Arthur Andersen auditing Firm and Public Accountant Drs. J. Tanzil & Co and various training programs. He obtained Bachelor of Economy from University of Atma Jaya in 2001.

Heru Purwanto, Assistant Vice President

Head of Treasury, lahir pada tanggal 15 Juni 1975, bergabung dengan Bangkok Bank sejak tahun 2010 dimulai sebagai Senior Dealer dan menjadi Head of Treasury pada November 2010. Beliau memperoleh gelar Sarjana Ekonomi dalam bidang Business Administration dari Sekolah Tinggi Ilmu Administrasi di Malang, Indonesia

Head of Treasury, born on June 15, 1975, joined with Bangkok Bank since 2010. In the beginning, he started his career as a Senior Dealer, and became Head of Treasury in November 2010. He obtained his Bachelor of Business Administration from Sekolah Tinggi Ilmu Administrasi in Malang, Indonesia.

Zainal Karnadi, Chief Officer

Sub-branch Manager, lahir pada tanggal 24 Maret 1970, bergabung dengan Bangkok Bank sejak tahun 2012 dimulai sebagai Sub-branch Manager cabang Surabaya pada Februari 2012. Beliau memperoleh gelar Sarjana Hukum Bisnis dari Universitas Airlangga di Surabaya, Indonesia

Hartono, Chief Officer

Sub-branch Manager, lahir pada tanggal 19 November 1979, bergabung dengan Bangkok Bank sejak tahun 2013 dimulai sebagai Sub-branch Manager cabang Medan pada Oktober 2013. Beliau memperoleh gelar Sarjana Ekonomi dalam bidang Managemen dari Sekolah Tinggi Ilmu Ekonomi Harapan di Medan, Indonesia

Sub-branch, born on March 24, 1970, joined with Bangkok Bank since 2012. In the beginning, he started his career as a Sub-branch Manager of Surabaya Sub-branch in February 2012. He obtained his Bachelor of Commercial Law from Airlangga University in Surabaya, Indonesia

Sub-branch Manager, born on June 15, 1975, joined with Bangkok Bank since 2013. In the beginning, he started his career as a Sub-branch Manager of Medan Sub-branch in October 2013. He obtained his Bachelor of Business Management from Sekolah Tinggi Ilmu Ekonimi Harapan in Medan, Indonesia.