Post on 28-Dec-2015
Data PerusahaanCorporate Data
Bank Niaga Annual Report 2005
INDEX
ii.
Bank Niaga Laporan Tahunan 2005
Dr. Rozali Mohamed Ali – Presiden KomisarisPresiden Komisaris PT Bank Niaga Tbk sejak Nopember 2002. Pada bulan September 2004 Dr. Rozali ditunjuk sebagai Group Executive Director/ CEO Commerce Asset-Holding Berhad (sekarang BCHB Grup). Di samping itu, Beliau juga menjabat sebagai Managing Director/ Chief Executive Officer di Bumiputra-Commerce Bank Berhad sejak tahun 2000 hingga 2004. Beliau menjabat sebagai Direktur Eksekutif di BCHB Grup sejak Januari 1996. Beliau juga menjabat Chairman di Commerce International Merchant Bankers Berhad (CIMB). Dari tahun 1990 hingga 1995, beliau menjabat sebagai Assistant Director General di Institute of Strategic and International Studies (ISIS), Malaysia dan Direktur di Centre for Environmental Studies. Sejak tahun 1970 hingga 1990, beliau menjabat berbagai posisi senior di bidang teknik, operasional, perencanaan, penelitian dan administrasi di National Electricity Board Malaysia.
Saat ini, Dr. Rozali juga menjabat sebagai Komisaris di Malaysian Energy Commission, serta sebagai Chairman di Association of Banks Malaysia. Beliau juga menduduki jabatan dalam Asia-Pacific Advisory Council di INSEAD dan anggota Dewan International Centre for Leadership in Finance (ICLIF).
Dr. Rozali meraih gelar BSc. di bidang Mechanical Engineering dari Brighton Polytechnic, Inggris, gelar MSc. di bidang Thermal Power Engineering, sekaligus gelar PhD di bidang Electric Power System Planning dari the Imperial College of Science and Technology, University of London.
Dr. Rozali Mohamed Ali – President CommissionerPresident Commissioner of PT Bank Niaga Tbk since November 2002. On September 2004, Dr. Rozali was appointed Group Executive Director/ CEO of Commerce Asset-Holding Berhad (subsequently BCHB Group). He was Managing Director/ Chief Executive of Bumiputra-Commerce Bank Berhad from 2000 until 2004. He has been a Director at BCHB Group since January 1996. Concurrently he is Chairman of Commerce International Merchant Bankers Berhad (CIMB). From 1990 to 1995 he served as Assistant Director General of the Institute of Strategic and International Studies (ISIS), Malaysia and Director of the Centre for Environmental Studies. From 1970 to 1990 he held various senior positions at the National Electricity Board of Malaysia in engineering, operations, planning, research and administration.
Today Dr. Rozali also serves as a Commissioner at the Malaysian Energy Commission, as well as Chairman of the Association of Malaysian Banks. He also serves on the Asia-Pacific Advisory Council of INSEAD and on the Board of the International Centre for Leadership in Finance (ICLIF).
Dr. Rozali holds BSc. in Mechanical Engineering from Brighton Polytechnic, UK, MSc. in Thermal Power Engineering and PhD in Electric Power System Planning from The Imperial College of Science and Technology, University of London.
Dr. Rozali Mohamed AliPresiden KomisarisPresident Commissioner
Dewan KomisarisBoard of Commissioners
INDEX
Dato’ Halim Muhamat – KomisarisSejak bulan Nopember 2002 menjabat Komisaris PT Bank Niaga Tbk. Sebelum menjabat sebagai Group Corporate Advisor di Commerce-Asset Holding Berhad (sekarang BCHB) sejak Pebruari 2004, beliau adalah Executive Director/Chief Operating Officer di Bumiputra-Commerce Bank Berhad. Selama tiga puluh tahun beliau bergabung dan menjabat berbagai posisi di Bank Bumiputra Malaysia Berhad.
Dato’ Halim Muhamat – CommissionerCommissioner of PT Bank Niaga Tbk since November 2002. He was the Executive Director/ Chief Operating Officer of Bumiputra-Commerce Bank Berhad, prior to his appointment since February 2004 as Group Corporate Advisor at Commerce Asset-Holding Berhad (now BCHB). Previously he held various positions at Bank Bumiputra Malaysia Berhad in a career which spanned over 30 years.
Dato’ Halim Muhamat
KomisarisCommissioner
iii.
Bank Niaga Annual Report 2005
Gunarni Soeworo – Wakil Presiden Komisaris (Independen)Sejak bulan Juni 2000 menjabat sebagai Wakil Presiden Komisaris PT Bank Niaga Tbk. Sejak 1987 beliau menjabat sejumlah posisi manajemen senior di Bank Niaga hingga mencapai puncak karier sebagai Presiden Direktur dari Juni 1994 hingga Maret 1999, ketika beliau diangkat menjadi anggota Dewan Komisaris. Status beliau sebagai Komisaris Independen memenuhi peraturan yaitu tidak menjabat di Bank Niaga untuk posisi manajemen pada 5 tahun terakhir.
Beliau juga menjabat sebagai Komisaris di PT Bank Mandiri Tbk, Ketua Dewan Penasihat Perhimpunan Bank Nasional (Perbanas) dan anggota Dewan Asosiasi Bankir Indonesia. Beliau juga pernah menjabat sebagai Ketua Kompartemen Perbankan Kadin Indonesia dan Wakil Ketua Komite Nasional Kebijakan Corporate Governance (KNKCG).
Gunarni Soeworo – Vice President Commissioner (Independent)Vice President Commissioner of PT Bank Niaga Tbk since June 2000. Since 1987 Ms Gunarni Soeworo has held a number of senior management positions in her career at Bank Niaga culminating in serving as President Director from June 1994 to March 1999, at which point she joined the Board of Commissioners. Her status as Independent Commissioner meets the requirement of not having served at Bank Niaga in a full time management role during the last 5 years.
Ms. Soeworo serves as a Commissioner at PT Bank Mandiri Tbk, Head of the Advisory Board National Private Sector Bank Association Counselors (Perbanas) and member of Advisory Board of the Indonesian Bankers’ Association. Ms. Soeworo was former Chairperson of the Banking Compartment of the Indonesian Chamber of Trade and Commerce (Kadin Indonesia) and Vice Chairperson of National Committee for Corporate Governance (NCCG).
Gunarni SoeworoWakil Presiden KomisarisVice President Commissioner
INDEX
Datuk Hamzah Bakar – Komisaris (Independen)Sejak bulan Nopember 2002 menjabat sebagai Komisaris PT Bank Niaga Tbk. Saat ini beliau menjabat sebagai Presiden Komisaris SapuraCrest Petroleum Berhad (sebelumnya Crest Petroleum Berhad), Komisaris di Commerce International Merchant Bankers Berhad, Komisaris di UEM World Berhad dan Komisaris di Scomi Group Berhad. Sebelumnya beliau menjabat berbagai posisi senior dan Direksi di Petronas. Beliau memperoleh gelar BSc (hons) di bidang ekonomi dan gelar MA di bidang Public Policy and Administration dari University of Wisconsin.
Datuk Hamzah Bakar – Commissioner (Independent)Commissioner of PT Bank Niaga Tbk since November 2002. He concurrently serves as President Commissioner of SapuraCrest Petroleum Berhad (formerly known as Crest Petroleum Berhad), Commissioner of Commerce of International Merchant Bankers Berhad, Commissioner of UEM World Berhad and Commissioner of Scomi Group Berhad. Prior to this he served in Petronas where he held a number of senior executive and board positions. He holds a B.Sc.(hons) degree in economics and an MA in Public Policy and Administration from the University of Wisconscin.Datuk Hamzah Bakar
KomisarisCommissioner
iv.
Bank Niaga Laporan Tahunan 2005
Dewan KomisarisBoard of Commissioners
Sigid Moerkardjono – Komisaris (Independen)Sejak bulan Juni 2000 menjabat sebagai Komisaris PT Bank Niaga Tbk. Sebelumnya menjabat sebagai Direktur Kepatuhan (Maret 1999 – Juni 2000), Kepala Satuan Kerja Audit Intern (SKAI) - Comptroller (Pebruari 1999 – Maret 1999) . Sebelum menjabat anggota Direksi tahun 1999, sejak mulai bergabung dengan Bank Niaga pada 1976, beliau sudah memegang berbagai posisi senior di Bank Niaga termasuk Head of Internal Audit (Comptroller), Area Manager dan Pimpinan Cabang. Status beliau sebagai Komisaris Independen memenuhi peraturan yaitu tidak menjabat di Bank Niaga untuk posisi manajemen pada 5 tahun terakhir.
Sigid Moerkardjono – Commissioner (Independent)Commissioner of PT Bank Niaga Tbk since June 2000. Formerly served as Compliance Director (March 1999 – June 2000) and Comptroller (February 1999 – March 1999). Before he joined the Board of Directors in 1999, Mr. Moerkardjono served since 1976 in a variety of senior positions at the bank including Head of Internal Audit (Comptroller), Area Manager and Branch Manager. His status as Independent Commissioner meets the requirement of not having served at Bank Niaga in a full time management role during the last 5 years.
Sigid Moerkardjono
KomisarisCommissioner
INDEX
Ananda Barata
KomisarisCommissioner
Ananda Barata – Komisaris (Independen)Sejak bulan Desember 2003 menjabat Komisaris PT Bank Niaga Tbk. Saat ini beliau menjabat sebagai Direktur PT Perusahaan Pengelola Aset (PPA) (Persero), perusahaan pengelola aset milik Negara. Sebelumnya beliau menjabat berbagai posisi eksekutif termasuk di Badan Penyehatan Perbankan Nasional (BPPN), PT Bank Universal, PT Bank Nusa Nasional dan The Chase Manhattan Bank, Jakarta. Memperoleh gelar BSBA di bidang keuangan dari American University, Washington DC, Amerika Serikat.
Ananda Barata – Commissioner (Independent)Commissioner of PT Bank Niaga Tbk since December 2003. He is currently serving as Director at PT. Perusahaan Pengelola Aset (PPA) (Persero), a state owned asset management company. Various executive positions were held prior to this, including those at the Indonesian Bank Restructuring Agency (IBRA), PT. Bank Universal, PT. Bank Nusa Nasional, and The Chase Manhattan Bank, Jakarta. He holds BSBA degree in Finance from the American University, Washington DC, USA.
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Bank Niaga Annual Report 2005
Dr. Roslan A. Ghaffar – KomisarisSejak bulan Agustus 2004 menjabat Komisaris PT Bank Niaga Tbk. Saat ini Beliau menjabat sebagai Deputi CEO (Investments) Employee Provident Fund (EPF) Malaysia. Sebelumnya Beliau juga menjadi Guru Besar tamu di University of Kentucky, USA dan Associate Professor di University Putra Malaysia. Memperoleh gelar PhD dari University of Kentucky, Lexington, USA.
Dr. Roslan A. Ghaffar – CommissionerCommissioner of PT Bank Niaga Tbk since August 2004. Currently he serves as Deputy Chief Executive Officer (Investments) of the Malaysian Employees Provident Fund (EPF). Prior to this he was visiting Professor at University of Kentucky, USA and Associate Professor at University Putra Malaysia. He holds PhD from the University of Kentucky, Lexington, USA.
Dr. Roslan A. Ghaffar
KomisarisCommissioner
INDEX
Prof. Dr. Roy Hendra Michael Sembel – Komisaris (Independen)(Berlaku efektif sejak diperolehnya persetujuan dari Bank Indonesia pada 19 Desember 2005) Sejak bulan Desember 2005 menjabat sebagai Komisaris PT Bank Niaga Tbk. Saat ini beliau menjabat sebagai Direktur Program Magister Manajemen Keuangan Universitas Bina Nusantara. Beliau menyelesaikan gelar sarjananya di Institut Pertanian Bogor (IPB), memperoleh gelar MBA di bidang Finance and Banking dari Erasmus University Rotterdam dan University of Pennsylvania Philadelphia, serta PhD di bidang Corporate Finance and Econometrics dari University of Pittsburgh, USA. Beliau pernah bekerja di ABN Amro Bank Amsterdam dan McKinsey & Co. Financial Institution Group (FIG) Practice, Jakarta. Pada bulan Mei 2005 beliau memperoleh gelar Guru Besar di bidang Ekonomi Keuangan.
Prof. Roy Hendra Michael Sembel, Ph.D. – Commissioner (Independent)(Officially effective since Bank Indonesia’s approval on December 19, 2005)Commissioner of PT Bank Niaga Tbk since December 2005. He is the Programme Director of Bina Nusantara University’s MBA programme in Finance. Mr. Sembel earned his Bachelor degree from Bogor Agricultural University (IPB), an MBA in Finance and Banking from Erasmus University Rotterdam and the University of Pennsylvania Philadelphia and a PhD in Corporate Finance and Econometrics from the University of Pittsburgh, USA. His previous employers include ABN Amro Bank Amsterdam and McKinsey & Co Financial Institution Group (FIG) Practice, Jakarta. In May 2005, he was granted Professorship in Financial Economics.
Prof. Roy Hendra Michael Sembel, PhD
KomisarisCommissioner
vi.
Bank Niaga Laporan Tahunan 2005
Dewan KomisarisBoard of Commissioners
INDEX
vii.
Bank Niaga Annual Report 2005
1
2 3 45
6
1. Peter B. Stok – Presiden Direktur
2. Tay Un Soo – Direktur
3. V. Catherinawati Hadiman – Direktur
4. Daniel James Rompas – Direktur
5. C. Heru Budiargo – Direktur
6. Hashemi Albakri –Wakil Presiden Direktur
DireksiBoard of Directors
INDEX
viii.
Bank Niaga Laporan Tahunan 2005
Peter B. Stok
Presiden DirekturPresident Director
Peter B. Stok – Presiden DirekturPresiden Direktur PT Bank Niaga Tbk sejak Juni 2000 dan Wakil Presiden Direktur dari tahun 1994 hingga 1997. Selama periode 1998 hingga 2000, beliau menduduki berbagai jabatan yaitu Executive Vice President PT Bank Mandiri (Persero), Direktur Utama PT Bank Dagang Negara (Persero), Direktur Utama Aerowisata. Sebelumnya beliau pernah menjabat sebagai Komisaris PT Aerowisata, Komisaris Utama PT Bank Danamon Tbk, Komisaris PT Niaga Aset Manajemen dan Komisaris PT Saseka Gelora Finance.
Tugas utama: Menetapkan arah dan strategi jangka panjang bisnis perusahaan, menetapkan strategi pemasaran yang tepat disertai dengan pengembangan produk/jasa sesuai tuntutan dan kebutuhan pasar yang meliputi seluruh segmen bisnis perusahaan yaitu Perbankan Konsumer, Bisnis, UKM, Korporasi, Syariah dan segmentasi bisnis lainnya. Selain itu memberikan arahan dan petunjuk atas seluruh kebijakan bidang pendukung operasional dan layanan perbankan, teknologi informasi, sistem dan prosedur, aspek hukum, aspek finansial dan sumber daya manusia serta menjamin pelaksanaan fungsi kepatuhan pada seluruh operasional perbankan dalam rangka menciptakan perusahaan yang mempunyai standar etika tinggi, mematuhi Tata Kelola Perusahaan dan praktik Prudential Banking.
Peter B. Stok - President DirectorPresident Director of PT Bank Niaga Tbk since June 2000 and Vice President Director from 1994 to 1997. During the period 1998 to 2000, he held a number of positions including Executive Vice President PT Bank Mandiri (Persero), President Director of PT Bank Dagang Negara (Persero) and President Director of PT Aerowisata. Other positions held in the past include Commissioner of PT Aerowisata, President Commissioner of PT Bank Danamon Tbk, Commissioner of PT Niaga Asset Management and Commissioner of PT Saseka Gelora Finance.
Main role: Sets the company’s direction and long-term business strategies; determines appropriate marketing strategies which include development of goods/services to meet market demand and needs within the company’s business segments: Consumer Banking, Business Banking, Small Medium Enterprise, Corporate Banking, Syariah Banking and other business segments. Other roles assumed by the CEO include drawing up direction and guidelines for all policies on operational support and banking services, information technology, systems and procedures, legal aspects, finance and human resources as well as ensuring compliance of overall banking operations in order to establish a company that has high ethical standards and follows the principles of Good Corporate Governance and Prudential Banking practices.
DireksiBoard of Directors
INDEX
ix.
Bank Niaga Annual Report 2005
Hashemi Albakri
Wakil Presiden Direktur Vice President Director
Hashemi Albakri – Wakil Presiden Direktur merangkap sebagai Head of Consumer Banking SalesWakil Presiden Direktur PT Bank Niaga Tbk sejak Nopember 2002. Beliau pernah menjabat sebagai Direktur South East Asia Bank, Ltd., Direktur Bumiputra-Commerce Bank (BCB) International Trust (Labuan) Ltd., Direktur Bumiputra-Commerce Bank (Labuan) Ltd., Executive Vice President dan Head of Corporate dan Institutional Banking di Bumiputra-Commerce Bank Berhad. Selama 2 tahun beliau juga bekerja sebagai Account Manager di Cedar Holdings Ltd. Bankers di London. Sebelum berkarir di bidang perbankan, beliau menyelesaikan kualifikasi dalam bidang hukum di Hudgell Yeates & Co. dan Arbeid & Co.
Tugas utama: Membantu CEO dalam menetapkan arah serta strategi jangka panjang untuk pengembangan bisnis perusahaan, menetapkan strategi pemasaran yang tepat disertai dengan pengembangan produk/jasa sesuai tuntutan dan kebutuhan pasar yang meliputi seluruh segmen bisnis perusahaan yaitu Perbankan Konsumer, bisnis, UKM, Korporasi, Syariah dan segmentasi bisnis lainnya. Serta membantu dalam memberikan arahan dan petunjuk atas seluruh kebijakan bidang pendukung operasional dan layanan perbankan, teknologi informasi, sistem & prosedur aspek hukum, aspek finansial dan sumber daya manusia serta menjamin pelaksanaan fungsi kepatuhan pada seluruh operasional perbankan dalam rangka menciptakan perusahaan yang mempunyai standar etika tinggi, mematuhi Tata Kelola Perusahaan dan praktik Prudential Banking.Menentukan arah & strategi yang tepat dalam bidang pemasaran serta pengembangan produk & jasa perbankan khususnya pada segmen bisnis Perbankan Konsumer dan mengarahkan pencapaian target funding maupun lending serta pengembangan cross selling yang terpadu guna mencapai target pertumbuhan, keuntungan dan posisi yang senantiasa kompetitif di pasar.
Hashemi Albakri - Vice President Director concurrently serves as Head of Consumer Banking SalesVice President Director PT Bank Niaga Tbk since November 2002. His former positions include Director of South East Asia Bank, Ltd., Director of Bumiputra–Commerce Bank (BCB) International Trust (Labuan) Ltd., Director of Bumiputra-Commerce Bank (Labuan) Ltd., Executive Vice President and Head of Corporate and Institutional Banking at Bumiputra-Commerce Bank Berhad. He also served 2 years as an Account Manager with Cedar Holdings Ltd. Bankers in London. Prior to his career in banking he completed his articles at law firms Hudgell Yeates & Co. and Arbeid & Co.
Main role: Assists the CEO in setting the company’s direction and long-term strategies for business development purposes and decides on appropriate marketing strategies which include development of goods/services to meet market demand and needs within the company’s business segments: Consumer Banking, Business Banking, Small Medium Enterprise, Corporate Banking, Syariah Banking and other business segments. Other roles assumed by the Vice CEO include drawing up direction and guidelines for all policies on operational support and banking services, information technology, systems and procedures, legal aspects, finance and human resources as well as ensuring compliance of overall banking operations in order to establish a company that has high ethical standards and follows the principles of Good Corporate Governance and Prudential Banking practices.Determines proper direction and strategies for marketing and development of products and services particularly of the Consumer Banking segment; guides overall achievement of funding and lending targets and develops integrated cross-selling efforts to achieve the company’s target for growth, profit and consistently competitive market position.
INDEX
x.
Bank Niaga Laporan Tahunan 2005
C. Heru Budiargo
Direktur/Director Compliance & Risk Management
C. Heru Budiargo – DirekturDirektur Compliance & Risk Management PT Bank Niaga Tbk. Beliau menjabat berbagai posisi manajemen senior sejak bergabung dengan PT Bank Niaga Tbk pada tahun 1977, antara lain Corporate Affairs Head, Human Resources Group Head, Comptroller, dan Quality Assurance & Audit Group Head serta berbagai posisi dalam fungsi-fungsi manajemen Cabang dan Kredit.
Tugas utama: Pengelolaan risiko Perusahaan serta memastikan fungsi-fungsi yang dikelola oleh seluruh unit Perusahaan memiliki manajemen risiko yang baik dan dapat diandalkan serta senantiasa menerapkan prinsip kehati-hatian (prudential banking) dalam menjalankan Perusahaan; memberikan arahan dan menetapkan kebijakan terkait dengan pelaksanaan Standar Etika dan Tata Kelola Perusahaan serta memastikan seluruh regulasi (kebijakan, sistem dan prosedur) intern Bank tunduk dan selaras dengan peraturan dan regulasi ekstern yang terkait (Bank Indonesia dan lembaga/otoritas keuangan lainnya); perencanaan, pengelolaan serta pengembangan Sumber Daya Manusia guna memastikan kualitas Sumber Daya Manusia sebagai Human Capital Perusahaan secara keseluruhan dan berkesinambungan dapat mendukung pertumbuhan dan perkembangan bisnis yang optimal.
C. Heru Budiargo - DirectorCompliance and Risk Management Director of PT Bank Niaga Tbk. He has held a number of senior management positions since joining the bank in 1977 and these include Corporate Affairs Head, Human Resources Group Head, Comptroller, and Quality Assurance & Audit Group Head, Branch Management and Credit Management in various sub functions.
Main role: Responsible for managing corporate risks and ensuring that all functions under corporate units are reliable and apply sound risk management and prudential banking principles; provides strategic direction, draws up policies on the implementation of Ethical Standards and Good Corporate Governance, and ensures that all bank’s internal regulations (policies, systems and procedures) are in compliance and in line with related external rules and regulations (of Bank Indonesia and other monetary institutions/authorities). Planning, managing and developing human resources to ensure that their overall and sustained quality in the company’s human capital can support optimum business development and growth.
DireksiBoard of Directors
INDEX
Tay Un Soo
Direktur/ DirectorFinance & Corporate Planning
Tay Un Soo – DirekturDirektur Finance & Corporate Planning di PT Bank Niaga Tbk, sejak Nopember 2002. Beliau adalah Certified Public Accountant (Malaysia) dan Certified Internal Auditor. Mengawali karirnya di Price Waterhouse pada tahun 1975. Kemudian beliau menduduki berbagai posisi manajemen pada management consulting dan auditing sebelum bergabung dengan Bank of Commerce Berhad yang selanjutnya dikenal sebagai Commerce Asset–Holding Berhad sebagai Group Chief Internal Auditor di Bumiputra–Commerce Bank. Beliau menjabat sebagai ketua dalam profesi intern audit, sebelumnya menjabat sebagai President of Information System Audit & Control Association (Malaysia Chapter), Chairperson of Chief Internal Auditor Networking Group (IBBM) dan Vice President Institute of Internal Auditors Malaysia. Mengikuti Wharton - NUS Banking Programme pada tahun 1997 dan Harvard Business School Executive Programme pada tahun 2004.
Tugas utama: Membantu CEO dengan secara proaktif menggerakkan strategi perusahaan, model bisnis dan manajemen proyek dalam menciptakan nilai bagi pemegang saham. Mengelola sistem kinerja manajemen dan informasi kinerja perusahaan untuk menciptakan organisasi yang responsif serta meningkatkan kinerja pengawasan dan layanan. Mengatur fungsi Komite Asset & Liabilities (ALCO) untuk mengoptimalkan imbal hasil aset (ROA) dan imbal hasil ekuitas (ROE). Selain itu juga mengelola pengawasan dan manajemen finansial yang efektif serta risiko hukum.
Tay Un Soo - DirectorFinance & Corporate Planning Director of PT Bank Niaga Tbk, since November 2002. A Certified Public Accountant (Malaysia) and Certified Internal Auditor, he began his career at Price Waterhouse in 1975. He then held a series of management positions in management consulting and auditing before joining Bank of Commerce Berhad later known as Commerce Asset–Holding Berhad as the Group Chief Internal Auditor operating out of Bumiputra-Commerce Bank. A leader in the internal auditing profession, he was the past President of Information System Audit & Control Association (Malaysia Chapter), Chairperson of Chief Internal Auditor Networking Group (IBBM), and Vice President, Institute of Internal Auditors, Malaysia. Attended Wharton - NUS Banking Programme in 1997 and Harvard Business School Executive Programme in 2004.
Main role: Proactive driving corporate strategy, business model and project management office in supporting the CEO in creating shareholder value. Managing performance management system and enterprise performance information to create a responsive organisation and enhances performance monitoring and service.Managing the ALCO function to optimise return on assets and return on equity as well as managing effective financial management and control and managing legal risk.
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Bank Niaga Annual Report 2005
INDEX
Daniel James Rompas
Direktur/ DirectorBusiness Banking
Daniel James Rompas – DirekturDirektur Business Banking PT Bank Niaga Tbk sejak Nopember 2002. Beliau menjabat sebagai Direktur sejak tahun 1999 dan menduduki berbagai posisi senior antara lain Direktur Commercial Banking, Anggota Tim Manajemen, Special Asset Management Group Head, Corporate Banking Group Head dan Merchant Banking Group Head.
Tugas utama: Menentukan arah dan strategi yang tepat dalam bidang pemasaran dan pengembangan produk dan jasa khususnya pada segmen Perbankan Bisnis dan UKM dan mengarahkan pencapaian target funding maupun lending dan pengembangan cross selling yang terpadu guna mencapai target pertumbuhan, keuntungan dan posisi yang kompetitif di pasar.
Daniel James Rompas - DirectorBusiness Banking Director of PT Bank Niaga Tbk since November 2002. He has been a Director since 1999 and held senior positions including Commercial Banking Director, Member of the Management Team, Special Asset Management Group Head, Corporate Banking Group Head, and Merchant Banking Group Head.
Main role: Determines proper direction and strategies for marketing and development of products and services particularly of the Business Banking and Small Medium Enterprise segments; guides overall achievement of funding and lending targets and develops integrated cross-selling efforts to achieve the company’s target for growth, profit and consistently competitive market position.
V. Catherinawati Hadiman Direktur/ DirectorCorporate Banking
V. Catherinawati Hadiman – DirekturDirektur Corporate Banking PT Bank Niaga Tbk sejak Nopember 2002. Beliau menduduki berbagai posisi senior di PT Bank Niaga Tbk antara lain Head of Corporate Banking, Treasury Management Group Head, Direktur PT Niaga Management Company dan Niaga Finance Company Hong Kong. Sebelumnya beliau sebagai auditor di KPMG Hanadi Sudjendro.
Tugas utama: Memberikan arahan dan strategi yang tepat dalam bidang pemasaran dan pengembangan produk dan jasa khususnya pada segmen bisnis Corporate Banking yang meliputi bisnis usaha korporasi, pengelolaan dan restrukturisasi special asset, pengelolaan dan perdagangan trade finance pengelolaan dana bank (treasury), financial institution dan investment service, dalam rangka pencapaian target pertumbuhan serta laba dan keuntungan yang optimal bagi Perusahaan.
V. Catherinawati Hadiman - DirectorCorporate Banking Director of PT Bank Niaga Tbk since November 2002. Her senior career positions at PT Bank Niaga Tbk include Head of Corporate Banking, Treasury Management Group Head, Director of PT Niaga Management Company and Niaga Finance Company, Hong Kong. She was formerly an auditor at KPMG Hanadi Sudjendro.
Main role: Determines proper direction and strategies for marketing and development of products and services particularly of the Corporate Banking business segment including corporate business, special asset management and restructuring, sale and management of trade finance, treasury, financial institution and investment services, in order to achieve the company’s optimum target for growth, profit and benefits.
DireksiBoard of Directors
xii.
Bank Niaga Laporan Tahunan 2005
INDEX
xiii.
Andi Mohammad Hatta – Direktur(Mengundurkan diri sejak 25 Agustus 2005)Direktur Information Technology & System PT Bank Niaga Tbk sejak November 2002. Jabatan yang pernah dipegang di PT Bank Niaga Tbk sejak 1993 adalah Wakil Presiden Direktur, Anggota Tim Manajemen, Direktur Individual Banking, Direktur Operations & Information Technology dan Comptroller (Kepala Satuan Audit Intern). Beliau telah berkarir di Bank Niaga selama lebih dari 30 tahun. Mengikuti Advanced Management Programme di Wharton School, University of Pennsylvania pada tahun 1991, Advanced Management Programme di INSEAD pada tahun 1993 dan Harvard Business School Executive Programme pada tahun 2003.
Tugas utama: Memberikan arahan strategis dalam perencanaan dan pengembangan sistem teknologi informasi serta reengineering proses operasional perbankan, pengelolaan electronic banking dan fasilitas pendukung kegiatan operasional perbankan, pengelolaan electronic banking termasuk menentukan prioritas dan kebijakan dari fungsi-fungsi yang dikelola untuk menjamin aplikabilitas, reliabilitas dan layanan operasional dan teknologi informasi yang berkualitas, berdaya guna serta memastikan kontribusi yang optimal dalam mendukung kebutuhan dan kegiatan operasional Perusahaan.
Andi Mohammad Hatta – Director(Resigned as of 25th August 2005)Information Technology and System Director of PT Bank Niaga Tbk since November 2002. Positions held at PT Bank Niaga Tbk since 1993 include Vice President Director, Member of the Management Team, Director of Individual Banking, Director of Operations & Information Technology and Comptroller. His career with Bank Niaga covered over 30 years in the bank’s development. Attended Advanced Management Programme in the Wharton School, University of Pennsylvania in 1991, Advanced Management Programme of INSEAD in 1993 and Harvard Business School Executive Programme in 2003.
Main role: Provided strategic direction in the development of information technology; planning and reengineering banking operations; management of banking operation support facilities and electronic banking, as well as setting the priority and policies of the functions under his responsibility to ensure applicability and reliability of quality and efficient operational services and information technology that can guarantee optimum contribution in support of the company’s needs and activities.
Andi Mohammad Hatta
Direktur/ DirectorIT & System
Bank Niaga Annual Report 2005
INDEX
1. Agos Cholan – Head of Subsidiary & Affiliates Management
2. Bambang Ratmanto - Satuan Pengawas Intern
3. Lynna A. Muliawan – Head of Consumer Banking Development
4. Paul S. Hasjim – Head of IT & System
5. Yosef Antonius Boliona Badilangoe – Head of Network & Services
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Bank Niaga Laporan Tahunan 2005
1 23 4 5
Pejabat Senior EksekutifBoard of Senior Executives
INDEX
xv.
Bank Niaga Annual Report 2005
Lynna A. Muliawan – Head of Consumer Banking Development Ditunjuk sebagai Head of Consumer Banking Development. Beliau bergabung di Bank Niaga sejak 1995 dan memegang beberapa posisi dari Koordinator Preferred Circle, Private Banking Group Head, Jakarta Individual Banking Area Manager hingga Head of Consumer Banking Development. Sebelumnya beliau pernah menjabat sebagai Manajer Pemasaran di Bank American Express, Jakarta.
Tugas utama: Menentukan arah dan strategi yang tepat dalam inovasi dan pengembangan produk dan jasa perbankan melalui metode penelitian dan analisis pasar yang mendalam untuk menjamin produk dan jasa yang dihasilkan sesuai dengan perkembangan dan tuntutan teknologi, kebutuhan nasabah serta pencapaian market share yang senantiasa kompetitif di pasar.
Yosef Antonius Boliona Badilangoe – Head of Network & ServicesDitunjuk sebagai Head of Network & Services. Beliau bergabung di Bank Niaga sejak tahun 1985 dan menjabat berbagai posisi termasuk Head of Network and Services pada tahun 2004. Lulusan dari Fakultas Ekonomi, Universitas Gajah Mada, Yogyakarta.
Tugas utama: Memberikan arahan strategis khususnya dalam hal pengembangan pelayanan di seluruh cabang/ kios/ service point, pengelolaan proses operasi dan administrasi, pengelolaan data nasabah dan pengembangan jaringan serta delivery channel termasuk di dalamnya menentukan prioritas dan kebijakan dari fungsi yang dikelola. Hal ini bertujuan untuk menjamin aplikabilitas, reliabilitas dan layanan operasional berkualitas serta memastikan kontribusi optimal dalam mendukung kebutuhan dan kegiatan operasional Perusahaan.
Bambang Ratmanto - Satuan Pengawas Intern Ditunjuk sebagai Kepala Satuan Pengawas Intern Bank Niaga pada tahun 2001. Beliau memiliki pengalaman dengan Bank Niaga sejak tahun 1985. Lulusan dari Fakultas Ekonomi, Universitas Gajah Mada, Yogyakarta.
Tugas utama: Membantu CEO dan Komite Audit dalam melaksanakan fungsi audit, memberikan masukan dan rekomendasi kepada manajemen dan unit kerja terkait atas hasil temuan yang diperoleh, membantu Direksi untuk memastikan pengelolaan Bank dilakukan secara aman dan sehat yang tercermin dari efektivitas pengelolaan risiko, internal control system dan Tata Kelola Perusahaan. Bertanggung jawab dalam pengembangan kebijakan dan prosedur terkait fungsi audit secara bankwide yang melingkupi risk asset, operation, system dan information technology, treasury dan fungsi lain sesuai kebutuhan.
Lynna A. Muliawan – Head of Consumer Banking DevelopmentAppointed as Head of Consumer Banking Development. She joined Bank Niaga since 1995 and held various positions from Preferred Circle Coordinator, Private Banking Group Head, Jakarta Individual Banking Area Manager to Head of Consumer Banking Development. Previously she was a Marketing Manager of American Express Bank, Jakarta.
Main role: Determines proper direction and strategies for innovation and development of banking products and services using extensive research methodology and market analysis to ensure that the resulting products and services are in line with today’s technological development and requirements, and meet customers’ needs. She is also responsible for gaining consistently competitive market share.
Yosef Antonius Boliona Badilangoe – Head of Network & Services Appointed as Head of Network & Services. He served Bank Niaga since 1985 and held several positions including Head of Network and Services in 2004. He graduated from Faculty of Economics, Gajah Mada University – Yogyakarta.
Main role: Provides strategic direction particularly in the development of services at all branches/sub-branches/service points, management of operation and administrative processes, customer data management as well as the development of networks and delivery channels. His roles include setting the priority and policies of the functions under his responsibility. He is responsible for the applicability and reliability of quality operational services and ensuring optimum contribution in support of the company’s requirements and operational activities.
Bambang Ratmanto - ComptrollerAppointed as Head of Internal Audit of Bank Niaga in 2001. He has significant experience with Bank Niaga since 1985. He graduated from Faculty of Economics, Gajah Mada University – Yogyakarta.
Main role: Assists the CEO and Audit Committee in implementing their audit functions; provides input and recommendations to the management and related work units regarding audit findings; ensures safe and sound management of the Bank as shown in the Bank’s effective risk management, internal control system and Good Corporate Governance practices. He is also responsible for drawing up and bank-wide implementation of audit-related policies and procedures which cover risk asset, operation, system and information technology, treasury and other functions
INDEX
xvi.
Agos Cholan – Head of Subsidiary & Affiliates ManagementWarga Negara Malaysia, ditunjuk sebagai Head of Subsidiary dan Affiliates Management. Sebelumnya, beliau menjabat sebagai Head of Subsidiary dan Affiliates Management dan berkarir di Bank of Commerce Berhad dan Grup BCHB selama 23 tahun. Beliau meraih gelar BSc bidang Administrasi Bisnis dari Northrop University, California – USA.
Tugas utama: Menentukan arah dan strategi bagi pengembangan bisnis usaha yang memiliki afiliasi dengan Bank Niaga seperti menentukan peluang pasar, target segmentasi, strategi pemasaran produk/jasa serta pengelolaan aset-aset Perusahaan yang meliputi pengambilan bisnis usaha Syariah dan Malaysian Desk. Termasuk di dalamnya yaitu mengembangkan rencana, program, sistem dan prosedur serta kebijakan sehubungan fungsi-fungsi yang dikelola.
Paul S. Hasjim – Head of IT & System(Berlaku efektif sejak 26 Agustus 2005)Ditunjuk sebagai Head of IT & System. Beliau bergabung di Bank Niaga sejak tahun 1983 dan telah menjabat berbagai posisi di bidang teknologi informasi termasuk Head of IT & System pada tahun 2005. Beliau meraih gelar Master dari Royal Melbourne Institute of Technology, Australia.
Tugas utama: Memberikan arahan strategis dalam perencanaan dan pengembangan sistem teknologi informasi serta reengineering proses operasional perbankan, pengelolaan electronic banking dan fasilitas pendukung kegiatan operasional perbankan, pengelolaan electronic banking termasuk menentukan prioritas dan kebijakan dari fungsi-fungsi yang dikelola untuk menjamin penerapan, kehandalan dan layanan operasional dan teknologi informasi yang berkualitas, berdaya guna serta memastikan kontribusi yang optimal dalam mendukung kebutuhan dan kegiatan operasional Perusahaan.
Agos Cholan – Head of Subsidiary & Affiliates ManagementA Malaysian citizen, appointed as Head of Subsidiary and Affiliates Management. Prior to this, he was Head of Subsidiary and Affiliates Management and served in Bank of Commerce Berhad and the Group for 23 years. He holds Bachelor of Science degree from Northrop University, California – USA, majoring in Business Administration.
Main role: Provides direction and strategies for the development of businesses affiliated with Bank Niaga; determines market opportunities, segmentation targets, strategies for marketing products/services and managing company’s assets including Syariah and Malaysian Desk businesses. He is also responsible for drawing up plans, programs, systems and procedures as well as policies regarding functions under his responsibility.
Paul S. Hasjim – Head of IT & System(Officially effective since 26th August 2005)Appointed as Head of IT & System. He joined Bank Niaga in 1983 and since then has held various positions in information technology, including Head of IT & System in 2005. He holds a Masters degree from Royal Melbourne Institute of Technology, Australia.
Main role: Provides strategic direction in the development of information technology; banking operations’ planning and reengineering ; management of banking operation support facilities; electronic banking management as well as setting the priority and policies of the functions under his responsibility to ensure applicability and reliability of quality and efficient operational services and information technology that can guarantee optimum contribution in support of the company’s needs and activities.
Pejabat Senior EksekutifBoard of Senior Executives
Bank Niaga Laporan Tahunan 2005
INDEX
Sigid Moerkardjono – KetuaMenjabat Ketua Komite Audit sejak Januari 2003, beliau bertanggung jawab untuk pengarahan aktivitas Komite, pertemuan tetap serta laporan berkala kepada Dewan Komisaris.
Drs. Kanaka Puradiredja - Sekretaris merangkap anggotaMenjabat sebagai sekretaris dan anggota Komite Audit Bank Niaga sejak 2001. Beliau adalah Senior Partner Akuntan Publik Kanaka Puradiredja & Rekan, Ketua Majelis Kehormatan Disipliner Ikatan Akuntan Indonesia, Ketua Ikatan Komite Audit Indonesia dan anggota Dewan Pengawas Rehabilitasi Konstruksi di Aceh. Lulusan dari Fakultas Ekonomi bidang Akuntansi, Universitas Padjajaran, Bandung.
Sebagai anggota Komite, tugas beliau adalah untuk mendukung Ketua dalam segala hal yang berkaitan dengan tugas Komite.
Mawar I.R. Napitupulu - AnggotaMenjabat sebagai anggota Komite Audit Bank Niaga sejak tahun 2001. Saat ini beliau menjabat sebagai Managing Partner Kantor Akuntan Publik Aryanto Amir Jusuf and Mawar (AAJ Associates), Wakil Ketua Dewan Standar Profesional Akuntan Publik - Ikatan Akuntan Indonesia. Beliau meraih gelar MBA di bidang Keuangan dari Katholieke Universiteit Leuven, Belgia.
Sebagai anggota Komite, tugas beliau adalah untuk mendukung Ketua dengan penekanan pada penilaian laporan keuangan Bank.
Sigid Moerkardjono – ChairmanAs Chairman of the Audit Committee since January 2003, he is responsible for the overall direction of the Committee’s activities, regular meetings and timely reporting to the Board of Commissioners.
Drs. Kanaka Puradiredja - Secretary concurrently served as a memberSecretary and a member of Audit Committee of PT Bank Niaga Tbk since 2001. He is a Senior Partner of Kanaka Puradiredja & Co, Public Accounting Firm, Chairman of Disciplinery Board of IAI, Chairman of Institute of Audit Committee and Member of Supervisory Board of Rehabilitation Construction of Aceh. He graduated from Faculty of Economics, majoring in Accounting, Padjajaran University, Bandung.
As a member of the Committee, his function is to support the Chairman on all matters relating to the work of the Committee.
Mawar I.R. Napitupulu - MemberAudit committee member of PT Bank Niaga Tbk since 2001. Currently she serves as Managing Partner of Aryanto Amir Jusuf and Mawar (AAJ Associates) registered public accountant. She currently serves as the Vice Chairwoman Board of Public Accountant Professional Standards – Indonesian Institute of Accountant. She holds Master of Business Administration degree from Katholieke Universiteit Leuven, Belgium – majoring in Finance.
As a member of the Committee, her function is to support the Chairman with particular emphasis on examining the financial reporting of the Bank.
xvii.
Bank Niaga Annual Report 2005
Komite AuditAudit Committee
INDEX
xviii.
Bank Niaga Laporan Tahunan 2005
H. Hasanuddin A.F. - AnggotaSaat ini beliau juga merupakan Anggota Komisi Fatwa Majelis Ulama Indonesia Pusat, Anggota Dewan Syariah Nasional MUI Pusat dan Ketua Dewan Pengawas Syariah pada Asuransi Syariah TRIPAKARTA. Selain itu, beliau juga mengajar pada beberapa perguruan tinggi di Jakarta dan Bogor. Beliau meraih gelar Sarjana, Master dan Doktor dari Institut Agama Islam Nusantara, Jakarta.
Muhammad Quraish Shihab – AnggotaSaat ini beliau merupakan seorang Dosen (Guru Besar) Pascasarjana Universitas Islam Negeri (UIN) Jakarta dan Direktur Pusat Studi AL-Quran (PSQ) Jakarta. Beliau memiliki pengalaman professional, di antaranya sebagai Duta Besar RI untuk Republik Arab, Mesir, Jibun dan Somalia, Menteri Agama RI pada tahun 1998 dan Anggota Dewan Syariah Bank Muamalat Indonesia (1992-1999). Pada tahun 1987-2002 beliau merupakan Anggota MPR-RI. Beliau pernah menjabat sebagai Ketua Majelis Ulama Indonesia (Pusat) pada tahun 1985-1998. Sekarang ini, beliau juga merupakan Anggota Penasihat Al-Quran Departemen Agama RI. Beliau memiliki meraih gelar Sarjana, Master dan Doktor dari Universitas Al-Azhar, Cairo, Mesir.
Hj. Huzaemah T. Yanggo - AnggotaSaat ini beliau menjabat sebagai Ketua Dewan Pengawas Syariah Asuransi Syariah PT Great Eastern, Anggota Dewan Syariah Nasional Majelis Ulama Indonesia Pusat sebagai Ketua Pusat Kordinator Bidang Pengkajian dan Pengembangan, serta Anggota Dewan Pakar ICMI. Beliau meraih gelar Master dan Doktor dalam bidang Kajian Islam dan Bahasa Arab dari Universitas Al Azhar Cairo, Mesir.
H. Hasanuddin A.F. - MemberHe is also presently as Member Fatwa Commission of the Majelis Ulama Indonesia, Member National Syariah Board of Fatwa Commission of the Majelis Ulama Indonesia and Head of Syariah Supervisory Board at TRIPAKARTA Syariah Insurance. He concurrently teaches at several universities in Jakarta and Bogor. He gained Bachelor, Master and Doctorate degree from Institut Agama Islam Nusantara, Jakarta.
Muhammad Quraish Shihab – MemberHe concurrently serves as Postgraduate Lecturer (Guru Besar) of Universitas Islam Negeri (UIN) Jakarta and Director of Al-Quran Study Centre (PSQ) Jakarta. He has had several professional experiences, such as Indonesian Ambassador for Arab, Egypt, Jibun and Somalia Republic, The Minister for Religious Affairs in 1998 and Member of Syariah Supervisory Board Bank Muamalat Indonesia (1992-1999). In 1987 – 2002 he was Member of People’s Advisory Assembly Republic of Indonesia (MPR-RI). He was the Head of Majelis Ulama Indonesia Pusat in 1985-1998. Presently, he is Al-Quran Advisory Member of Department of Religion Republic of Indonesia. He holds Bachelor, Master and Doctorate degree from Al-Azhar University Cairo, Egypt.
Hj. Huzaemah T. Yanggo - MemberConcurrently serves as Head of Syariah Supervisory Board Syariah Insurance PT Great Eastern, Member of National Syariah Board Majelis Ulama Indonesia Pusat as Head of Research and Development Coordinator, and Member of ICMI Expert Board. She received her Master and Doctorate degree in Islam Study and Arabic from Al Azhar University Cairo, Egypt.
Dewan Pengawas SyariahSyariah Supervisory Board
INDEX
Perusahaan Induk PT Bank Niaga TbkThe Holding Company of PT Bank Niaga Tbk
xix.
Bank Niaga Annual Report 2005
Struktur kepemilikan saham BCHB:1. Khazanah Nasional Berhad 23,97%
(Malaysian Govt)2. Employee Provident Fund (EPF) 19,48%3. Publik & Lainnya 56,55%
Bumiputra-Commerce Holdings Berhad (sebelumnya dikenal sebagai Commerce Asset-Holding Berhad).Commerce Group of Companies adalah kelompok usaha keuangan terkemuka di Malaysia yang sedang berkembang pesat di sektor keuangan. Sebagai perusahaan induknya adalah Bumiputra-Commerce Holdings Berhad (BCHB) yang terdaftar dalam kategori usaha keuangan di Kuala Lumpur Stock Exchange (KLSE).
Memiliki dasar yang kuat, BCHB sendiri adalah perusahaan yang menangani bidang investasi dan manajemen, dan anak perusahaannya beragam, antara lain bank komersial, bank dagang, pialang saham, perusahaan pembiayaan, discount house, leasing, factoring, pialang efek berjangka, fund management, unit trust management, modal ventura dan asuransi jiwa.
Bumiputra-Commerce Bank Berhad (BCB)Bumiputra-Commerce Bank Berhad (BCB) didirikan tahun 1999. Jaringan ATM yang dimilikinya merupakan salah satu yang terbesar di Malaysia, sedangkan nasabahnya mencapai lebih dari 3,5 juta orang. Layanan yang ditawarkan BCB lengkap untuk memenuhi kebutuhan nasabahnya, mulai dari rumah tangga sampai kelompok usaha besar multinasional.
CIMB BerhadCIMB Berhad, tercatat di Bursa Malaysia adalah salah satu perusahaan yang menawarkan jasa perbankan investasi terbesar di Asean dan sebagai bagian dari Bumiputra-Commerce Holdings Berhad, kelompok usaha keuangan terbesar kedua di Malaysia.
CIMB saat ini sedang dalam proses transformasi menjadi penyedia layanan keuangan di seluruh dunia. Seiring dengan
BCHB shareholding structure:1. Khazanah Nasional Berhad 23.97%
(Malaysian Govt)2. Employee Provident Fund (EPF) 19.48%3. Public & Others 56.55%
Bumiputra-Commerce Holdings Berhad (formerly known as Commerce Asset-Holding Berhad).The Commerce Group of Companies is a leading financial conglomerate in Malaysia’s rapidly growing financial system. At the helm is Bumiputra-Commerce Holdings Berhad (BCHB) listed in the financial section of the Kuala Lumpur Stock Exchange (KLSE).
A sound foundation of strength, BCHB is a well-diversified investment and management holding company with interests in commercial banking, merchant banking, stock broking, offshore banking, finance company, discount house, leasing, factoring, futures broking fund management, unit trust management, venture capital and life insurance.
Bumiputra-Commerce Bank Berhad (BCB)Bumiputra-Commerce Bank Berhad (BCB), launched in 1999, has one of Malaysia's largest ATM networks and customer base of over 3.5 million. BCB provides a comprehensive range of services for small households through to the largest multinational conglomerate.
CIMB BerhadCIMB Berhad, listed on Bursa Malaysia is one of South East Asia’s largest investment banks and part of Bumiputra-Commerce Holdings Berhad, Malaysia’s second largest financial services group.
CIMB is currently undergoing changes to transform itself into a universal financial services provider. Following an announcement on 6 June 2005, CIMB acquired Bumiputra-Commerce Bank Bhd, the second largest commercial bank in Malaysia and integrating the Group’s commercial and investment banking operations.
Bumiputra-Commerce Holdings Berhad(BCHB)
INDEX
Perusahaan Induk PT Bank Niaga TbkThe Holding Company of PT Bank Niaga Tbk
xx.
pemberitahuan pada tanggal 6 Juni 2005, CIMB telah mengakuisisi Bumiputra-Commerce Bank Bhd, bank komersil terbesar kedua di Malaysia dan menggabungkan operasional perbankan investasi dan komersil grup.
CIMB Berhad Grup terdiri dari anak perusahaan utama, Commerce International Merchant Bankers Berhad, CIMB Discount House Berhad, CIMB Securities Sdn Bhd, CIMB (L) Limited, CIMB Futures Sdn Bhd, CIMB-Principal Asset Management Berhad, CIMB Real Estate Sdn Bhd and CIMB-GK Pte Ltd.
CIMB juga meluncurkan CIMB-GK, anak perusahaan CIMB yang merupakan perusahaan induk untuk seluruh perusahaan perbankan investasi non–Malaysia di CIMB Grup. CIMB-GK menyediakan layanan institutional equities, retail broking, investment research dan corporate finance, melengkapi produk yang telah dimiliki oleh CIMB.
Commerce–Ventures Sdn BerhadCommerce-Ventures Sdn Bhd adalah perusahaan khusus bidang manajemen yang dimiliki sepenuhnya oleh BCHB, yang menyediakan modal untuk usaha kecil dan menengah yang sedang berkembang.
Commerce International Group Sdn Berhad (CIG)Pada akhir Januari 2006, CIG telah menjadi perusahaan induk dari bisnis-bisnis asuransi Grup BCHB.
Commerce Life Assurance Berhad(sebelumnya bernama AMAL Assurance Berhad)Semakin banyak anggota masyarakat di Malaysia yang membutuhkan perlindungan keuangan untuk keluarga mereka. Untuk memenuhi kebutuhan inilah Commerce Life Assurance Berhad didirikan. Untuk memenuhi kebutuhan masyarakat Malaysia akan asuransi jiwa, Commerce Life mengeluarkan polis asuransi yang khusus disesuaikan dengan kebutuhan khusus nasabah.
PT Bank Niaga TbkBank Niaga adalah bank ke-7 terbesar di Indonesia dilihat dari sisi aset. Bank yang didirikan pada tahun 1955 ini terdaftar di Bursa Efek Jakarta dan Bursa Efek Surabaya pada tahun 1989. Bank Niaga memiliki jaringan distribusi sebanyak 222 kantor cabang dan kios, terutama di sentra dagang di Indonesia, memperkerjakan sebanyak 5,691 karyawan yang berkualifikasi dan berbakat. Bank ini memperoleh beberapa penghargaan di bidang kualitas pelayanan dan kinerja.
CIMB Berhad Group comprises major subsidiaries, Commerce International Merchant Bankers Berhad, CIMB Discount House Berhad, CIMB Securities Sdn Bhd, CIMB (L) Limited, CIMB Futures Sdn Bhd, CIMB-Principal Asset Management Berhad, CIMB Real Estate Sdn Bhd and CIMB-GK Pte Ltd.
CIMB also recently launched CIMB-GK, a wholly-owned subsidiary of CIMB, and the holding company for all the CIMB Group’s non-Malaysian investment banking businesses. CIMB-GK offers institutional equities, retail broking, investment research and corporate finance, thus providing the regional complement to CIMB’s existing product offerings.
Commerce-Ventures Sdn BerhadCommerce-Ventures Sdn Bhd is a specialist management company wholly owned by BCHB, that invests equity capital into emerging small and medium sized business.
Commerce International Group Sdn Berhad (CIG)At the end of January 2006, CIG has become the holding company for the Group’s insurance businesses.
Commerce Life Assurance Berhad(formerly known as AMAL Assurance Berhad)Commerce Life Assurance Berhad was established in response to a growing need among Malaysians to provide for the financial security of their families. Commerce Life is committed to meet the life insurance needs of the Malaysian public by introducing policies which can be specially tailored and packaged to meet the specific requirements of customers.
PT Bank Niaga TbkBank Niaga is the 7th largest bank in Indonesia by assets. Established in 1955, it was listed on the Jakarta Stock Exchange and Surabaya Stock Exchange in 1989. It has a distribution network of 222 branches and kiosks predominantly in the main commercial centres of Indonesia, employs 5,691 of talented, well-qualified people and received several awards in the area of service quality and bank performance.
Commerce Assurance Berhad(formerly known as AMI Insurans Berhad)Commerce Assurance has been established since 1959 to serve the multinational interests in insurance services. Commerce Assurance ranks among the top five general insurers in Malaysia.
Bank Niaga Laporan Tahunan 2005
INDEX
xxi.
Bank Niaga Annual Report 2005
Commerce Assurance Berhad(sebelumnya bernama AMI Insurans Berhad).Commerce Assurance adalah perusahaan asuransi yang didirikan pada tahun 1959. Nasabahnya adalah perusahaan-perusahaan multinasional. Perusahaan ini masuk dalam jajaran lima perusahaan asuransi papan atas di Malaysia.
Prospek Grup BCHB tahun 2006Pada tahun 2005 Commerce Group melakukan transformasi besar-besaran berupa restrukturisasi dan integrasi lewat CIMB dan BCB. Bagi kelompok usaha ini, pasar regional menjadi semakin penting menyusul dibentuknya CIMB-GK dan semakin besarnya saham Bank Niaga yang dimiliki BCHB. Saat ini seluruh anak perusahaan yang bergerak di bidang asuransi ditempatkan di bawah satu perusahaan induk, yaitu Commerce International Group (CIG), sehingga memudahkan mereka untuk menjalankan strategi bisnis asuransi yang terarah.
Penataan kembali segmen Perbankan Bisnis dan ritel akan terus dilakukan pada tahun 2006, dan meningkatnya pendapatan Commerce Group akan dipicu oleh sejumlah faktor pendorong seperti lebih besarnya pendapatan dari kegiatan perbankan investasi dan pengelolaan dana bank (treasury) serta semakin gencarnya perusahaan melakukan upaya penagihan (recovery). Commerce Group berharap momentum pasar obligasi Ringgit dapat terus berlanjut pada tahun 2006 ini. Pasar modal diperkirakan akan lesu sementara transaksi lintas negara diharapkan dapat mendorong merjer dan akuisisi. Di dalam negeri pertumbuhan kredit tidak akan terlalu pesat dan kegiatan penyimpanan dana semakin banyak dilakukan oleh masyarakat. Dengan semakin besarnya kekuatan finansial dan sinergi yang ada, Commerce Group diperkirakan mampu menawarkan nilai tambah yang lebih tinggi kepada nasabah di dalam negeri maupun di kawasan regional.
BCHB Group Prospects for 20062005 saw major transformation efforts within the Group mainly through the internal restructuring and integration efforts involving CIMB and BCB. Through the CIMB-GK platform and the increase in BCHB's stake in Bank Niaga, the regional markets are becoming increasingly important to the Commerce Group. The grouping of all insurance subsidiaries under an insurance holding company, Commerce International Group (CIG) will facilitate a focused strategic direction for the insurance businesses.
For 2006, higher investment banking activities and treasury income as well as the intensified recovery efforts will be the key drivers of earnings growth as the rebuilding of retail and Business Banking continues. The expectation is for the strong momentum in the Ringgit bond markets to continue in 2006. Equity markets may be sluggish in 2006 and cross border transactions is expected to drive merger and acquisition advisory work. We expect moderate loan growth in the domestic market and an aggressive push for deposits. With greater combined financial muscle and synergies, the Commerce Group will be able to offer both domestic and regional clients better value added propositions.
Universal banking(100%)
Others(100%)
Insurance Group(100%)
Overseas Group(65%)
PT Bank Niaga Tbk CIMB Group Commerce International Group
Commerce Asset Ventures
Sdn Bhd
BCHB
BCB Group
Group Structure, January 2006
INDEX
Perusahaan Induk PT Bank Niaga TbkThe Holding Company of PT Bank Niaga Tbk
xxii.
Berikut adalah laporan keuangan BCHB yang telah diaudit dan disajikan untuk memenuhi ketentuan sebagaimana diatur di dalam Surat Edaran Bank Indonesia No. 3/30/DPnP tanggal 14 Desember 2001 tentang “Laporan Keuangan Publikasi Triwulanan dan Bulanan Bank Umum serta Laporan Tertentu yang disampaikan kepada Bank Indonesia”.
The following are the Audited Financial Statements of BCHB which is presented to comply with Central Bank’s Circular Resolution No. 3/30/DPnP, 14th December 2001 regarding “Quarterly and Monthly Published Financial Statements of Commercial Banks and Certain Report convey to Bank Indonesia”.
Bank Niaga Laporan Tahunan 2005
INDEX
xxiii.
Bank Niaga Annual Report 2005
INDEX
Perusahaan Induk PT Bank Niaga TbkThe Holding Company of PT Bank Niaga Tbk
Assets Cash and short-term funds Securities purchased under resale agreements Deposits and placements with banks and others financial institutions Securities held-for-trading Available-for-sale-securities Held-to-maturity securities Derivative financial instruments Loans, advances and financing Other assets Deferred tax assets Tax recoverable Statutory deposits with Bank Negara Malaysia Invesment in associates Jointly controlled entities Fixed assets Goodwill Total assets
Liabilities and shareholders' funds Deposits from customers Deposits and placements of banks and other financial institutions Derivative financial instruments Obligations on securities sold under repurchase agreements Bills and acceptances payable Floating rate certificates of deposits Other liabilities Deferred tax liabilities Current tax liabilities Amount due to Cagamas Berhad Loan stocks Bonds Irredeemable convertible unsecured loan stocks ("ICULS") Other borrowings Subordinated Notes Total liabilities Minority interests Perpetual preference shares Share capital Reserves Less: Treasury shares, at cost Shareholders' funds Total liabilities and shareholders' funds
Commitment and contingencies
16,634,934 4,498,908
1,443,047 6,556,140 11,621,682
2,691,566 287,976
62,603,030 2,032,432 307,867 446,563 1,934,890
71,145 121,416
779,492 351,503 112,382,591
74,105,175 7,517,869 511,784
5,606,264 3,029,937 342,000 3,957,939 22,106 48,772 2,283,878 778,346 912,118
45,216 1,704,657 1,516,214
102,382,275 840,840 200,000 2,691,740 6,267,736
- 8,959,476
112,382,591
208,586,917
2004RM’000
12,078,145 4,473,563 1,354,952 9,556,127 7,759,349
2,420,509 385,740
69,095,880 2,411,745
359,478 281,355
1,659,940 95,583 118,722
940,258 534,618 113,525,964
74,323,587 7,416,648
514,185 5,316,721
3,295,456 226,770 4,374,428 13,690 104,610 2,375,329 782,763
928,708 44,682 829,893 1,872,016
102,419,486 1,269,025
200,000 2,756,398 6,881,055
- 9,637,453 113,525,964
149,479,744
2005RM’000
Company No: 50841-W
Bumiputra-Commerce Holdings Berhad (formerly known as Commerce Asset-Holding Berhad (Incorporated in Malaysia)
Consolidated balance sheet as at 31 December 2005
xxiv.
Bank Niaga Laporan Tahunan 2005
INDEX
xxv.
Bank Niaga Annual Report 2005
Interest income
Interest expense
Net interest income
Income from Islamic banking operations
Non-interest income
Overhead expenses
Profit before allowances
Allowance for losses on loans, advances and financing
Allowance for other receivables
Provision for commitments and contingencies
Allowance for impairment of securities
Share of results of jointly controlled entities
Share of results of associates
Profit before taxation
Taxation
-Company and subsidiaries
-Jointly controlled entities
-Associates
-Zakat
Profit after taxation
Minority interests
Net profit for the financial year
Earnings per share (sen)
-Basic
-Fully diluted
Dividends per ordinary share (sen)
• First and final dividend of 10 sen less taxation
of 28% (2004: 10 sen less taxation of 28%)
• Special dividend of 5 sen less taxation
of 28% (2004: 5 sen less taxation of 28%
5,271,312
(2,580,801)
2,690,511
14,835
1,449,476
4,154,822
(1,953,407)
2,201,415
(1,122,435)
(11,527)
(259)
(14,807)
1,052,387
(3,509)
3,769
1,052,647
(116,843)
(75)
(3,315)
-
932,414
(197,874)
734,540
27.6
26.4
7.2
3.6
2004RM’000
6,025,130
(3,038,883)
2,986,247
24,101
1,712,632
4,722,980
(2,278,099)
2,444,881
(1,021,863)
(16,612)
(684)
(100,636)
1,305,086
(1,824)
10,223
1,313,485
(280,718)
(870)
(2,648)
(22)
1,029,227
(202,402)
826,825
30.5
30.1
7.2
3.6
2005RM’000
Company No: 50841-W
Bumiputra-Commerce Holdings Berhad (formerly known as Commerce Asset-Holding Berhad (Incorporated in Malaysia)
Consolidated income statement for the financial year ended 31 December 2005
INDEX
xxvi.
Bank Niaga Laporan Tahunan 2005
Assets
Cash and short-term funds
Securities held-for-trading
Available-for-sale securities
Held-to-maturity securities
Derivative financial instruments
Loans, advances and financing
Other assets
Tax recoverable
Investment in subsidiaries
Amount owing by subsidiaries net of allowance
for doubtful debts of RM852,820 (2004: RM852,820)
Investment in associates
Fixed assets
Total assets
Liabilities and shareholders' funds
Other liabilities
Amount owing to subsidiaries
Deferred tax liabilities
Bonds
Total liabilities
Share capital
Reserves
Less: Treasury shares, at cost
Sharehholders' funds
Total liabilities and shareholders' funds
Commitments and contingencies
1,328,411
354,936
21,203
215,194
1,061
3,058
1,399
-
4,251,770
413,607
3,834
100,514
6,694,987
14,418
821,820
18,418
500,000
1,354,656
2,691,740
2,648,591
-
5,340,331
6,694,987
250,000
2004RM’000
450,581
320,244
-
183,064
202
3,219
152,944
12,962
5,042,309
452,549
3,834
82,137
6,704,045
13,607
703,980
8,069
500,000
1,225,656
2,756,398
2,721,991
-
5,478,389
6,704,045
250,000
2005RM’000
Company No: 50841-W
Bumiputra-Commerce Holdings Berhad (formerly known as Commerce Asset-Holding Berhad (Incorporated in Malaysia)
Company balance sheet as at 31 December 2005
Perusahaan Induk PT Bank Niaga TbkThe Holding Company of PT Bank Niaga Tbk
INDEX
xxvii.
Bank Niaga Annual Report 2005
Interest income
Interest expense
Net interest expense
Non-interest income
Net income
Overhead expenses
Profit before allowances
Writeback of allowance for impairment of securities
Profit before taxation
Taxation
Net profit for the financial year
Dividends per ordinary share (sen)
• First and final dividend of 10 sen less taxation
of 28% (2004: 10 sen less taxation of 28%)
• Special dividend of 5 sen less taxation
of 28% (2004: 5 sen less taxation of 28%)
33,554
(45,239)
(11,685)
356,234
344,549
(31,050)
313,499
1,019
314,518
(18,809)
295,709
7.2
3.6
2004RM’000
41,598
(64,158)
(22,560)
341,388
318,828
(39,463)
279,365
-
279,365
(52,201)
227,164
7.2
3.6
2005RM’000
Company No: 50841-W
Bumiputra-Commerce Holdings Berhad (formerly known as Commerce Asset-Holding Berhad) (Incorporated in Malaysia)
Company income statement for the financial year ended 31 December 2005
INDEX
Bank Niaga Laporan Tahunan 2005
PT Niaga Aset ManajemenTahun 1997 Bank Niaga mendirikan PT Niaga Asset Management, salah satu lembaga keuangan yang kompeten dalam menyediakan layanan jasa keuangan yang lengkap kepada para nasabah.
Sejalan dengan pengembangan Bank Niaga dalam jasa pelayanan keuangan di bidang pembiayaan konsumer dan ritel, maka adanya Niaga Aset Manajemen yang menyediakan jasa pelayanan di bidang pengelolaan aset secara kolektif dan individual maupun sebagai penasihat investasi di pasar modal, akan memantapkan langkah beriringan, bahkan mampu menciptakan sinergi usaha demi keuntungan bersama.
Dewan Komisaris:• Diah R. Paramaiswari, Komisaris
Direksi:• Ferry Indra Zen, Direktur
PT Niaga Aset ManajemenIn 1997 Bank Niaga established PT Niaga Asset Management, a financial institution, capable of offering comprehensive financial services to its customers.
In light of Bank Niaga's growing consumer and retail financing services, asset management, on both collective and individual basis, as well as financial market investment advisory services offered by Niaga Aset Manajemen, will produce synergy.
Board of Commissioners:• Diah R. Paramaiswari, Commissioner
Board of Directors:• Ferry Indra Zen, Director
Struktur, Anak Perusahaan & AfiliasiCorporate Structure, Subsidiaries & Affiliate
PT. Asuransi Cigna PT. Niaga Aset Manajemen PT. Saseka Gelora Finance
20.00% 99.20% (Dec ‘05) 85.78% (Dec ‘05)
BCHB Public
64.25% (Dec ‘05) 35.75 (Dec ‘05)
Moody’s (B2)Fitch (BB-)
xxviii.
INDEX
Bank Niaga Annual Report 2005
PT Saseka Gelora FinancePT Saseka Gelora Finance (SGF) adalah perusahaan multifinance terkemuka dan mapan yang berdiri sejak tahun 1981. SGF memusatkan usahanya pada pembiayaan perusahaan untuk pembelian mesin, peralatan berat dan kapal tunda. Saham SGF sebagian besar dimiliki oleh PT Bank Niaga Tbk dan sebagian kecil lainnya dipegang oleh Indover Bank dan PT Bank Danamon Tbk.
Dewan Komisaris:• Ari Purwandono, Presiden Komisaris• Rahardjo Satrio Unggul, Komisaris
Direksi:• Dani Firmansyah, Presiden Direktur• Carolina Dina R Suryanto, Direktur
PT Asuransi CIGNA PT Asuransi CIGNA yang didirikan tahun 1990 sampai saat ini, telah tumbuh dan berkembang menjadi perusahaan asuransi di Indonesia yang sangat fokus dalam Affinity Marketing.
PT Asuransi CIGNA adalah Lembaga asuransi, terdepan dalam pengembangan, distribusi dan pelayanan produk-produk asuransi jiwa, kecelakaan dan kesehatan. Dalam 3 tahun terakhir, berdasarkan peringkat majalah Infobank, PT Asuransi CIGNA masuk dalam kategori perusahaan Asuransi Jiwa ‘sangat bagus’ dengan aset sebesar Rp 343,5 miliar per Desember 2005 (un-audited). Pada tahun 2004, atas prestasinya PT Asuransi CIGNA juga telah menerima ‘Country Operation of the Year Award for Best Overall Performance’ dari CIGNA International.
Dewan Komisaris:• Paul Edward Hartley, Presiden Komisaris• Michael Stewart Elliott, Komisaris• Dung Anh Phan, Komisaris• Lynna A. Muliawan, Komisaris• Noke Kiroyan, Komisaris Independen
Direksi:• Steven Lee Novkov, Presiden Direktur• Christina Wahjuni Setyabudhi, Direktur• Torkis David Parlaungan Batubara, Direktur• Nefo Luhur Dradjati, Direktur• Annalisa Seriati, Direktur• Jose Perpetuo Gala Alava, Direktur
PT Saseka Gelora FinancePT Saseka Gelora Finance (SGF) is a well known multi-finance company that has been established since 1981. SGF focuses on company financing for machinery, heavy equipment and tugboats. SGF is majority owned by PT Bank Niaga Tbk and other minority shareholders such as Indover Bank, and PT Bank Danamon Tbk.
Board of Commissioners:• Ari Purwandono, President Commissioner• Rahardjo Satrio Unggul, Commissioner
Board of Directors:• Dani Firmansyah, President Director• Carolina Dina R Suryanto, Director
PT Asuransi CIGNA PT Asuransi CIGNA established in 1990, has expanded and developed into a leading insurance company in Indonesia focusing in Affinity Marketing.
PT Asuransi CIGNA is a leader in the development, distribution and service provision of life, accident and health. In the last 3 years, PT Asuransi CIGNA was rated ‘very good’ in the Life Insurance Company category sponsored by Infobank magazine with assets of Rp 343.5 billion as at December 2005 (un-audited). In 2004, PT Asuransi CIGNA also received ‘Country Operation of the Year Award for Best Overall Performance’ from CIGNA International for its achievement.
Board of Commissioners:• Paul Edward Hartley, President Commissioner• Michael Stewart Elliott, Commissioner• Dung Anh Phan, Commissioner• Lynna A. Muliawan, Commissioner• Noke Kiroyan, Independent Commissioner
Board of Directors:• Steven Lee Novkov, President Director• Christina Wahjuni Setyabudhi, Director• Torkis David Parlaungan Batubara, Director• Nefo Luhur Dradjati, Director• Annalisa Seriati, Director• Jose Perpetuo Gala Alava, Director
xxix.
INDEX
Bank Niaga Laporan Tahunan 2005
* Sel
ain
men
supe
rvis
i Sya
riah
Bank
ing
Gro
up, b
erta
nggu
ng ja
wab
juga
men
gelo
la a
nak-
anak
per
usah
aan
dan
fung
si M
alay
sian
Des
k B
esid
e su
perv
ise
Syar
iah
Bank
ing
Gro
up, a
lso
resp
onsi
ble
for m
anag
ing
Subs
idia
ries a
nd M
alay
sian
Des
k fu
nctio
n
** T
ugas
rang
kap/
Dua
l rol
e.
Stru
ktur
Org
anis
asi b
erla
ku e
fekt
if 3
Okt
ober
200
5O
rgan
isat
ion
Stru
ctur
e of
ficia
lly e
ffect
ive
Oct
ober
3, 2
005
BOAR
D O
F CO
MM
ISIO
NER
S
Has
hem
i Alb
akri,
Vic
e CE
O
AUD
ITCO
MM
ITTE
E
CORP
ORA
TEAF
FAIR
S
Ikky
Der
mab
udim
an, S
VP
SATU
AN P
ENG
AWAS
INTE
RN
Bam
bang
Rat
man
to, E
VP
CON
SUM
ER B
ANKI
NG
SALE
S
Has
hem
i Alb
akri,
ED
CON
SUM
ER B
ANKI
NG
DEV
ELO
PMEN
T
Lynn
a A.
Mul
iaw
an, E
VP
BUSI
NES
S BA
NKI
NG
D. J
ames
Rom
pas,
ED
CORP
ORA
TE B
ANKI
NG
Cath
erin
e H
adim
an, E
D
NET
WO
RK &
SER
VICE
S
Yos B
adila
ngoe
, EVP
IT &
SYS
TEM
Paul
S. H
asjim
, EVP
FIN
ANCE
& C
ORP
ORA
TEPL
ANN
ING
Tay
Un
Soo,
ED
COM
PLIA
NCE
&RI
SK M
ANAG
EMEN
T
C. H
eru
Budi
argo
, ED
SUBS
IDIA
RY &
AFFI
LIAT
ES M
GT.
Agos
Cho
lan,
EVP
*
JAKA
RTA
ICO
NSU
MER
ARE
A
M. P
ujio
no S
anto
so, V
P
CON
SUM
ER P
ROD
UCT
DEV
. GRO
UP
Juan
ita Lu
than
, VP
(Coo
rdin
ator
)
BUSI
NES
S D
EV.
GRO
UP
Dia
h Pa
ram
aisw
ari,
VP
FIN
ANCI
AL IN
STIT
UTIO
N&
PRO
DU
CT G
ROU
P
Rizk
i P. H
asan
, SVP
JKT.
NET
WO
RK &
SERV
ICES
ARE
A
Suha
rdia
nto,
SVP
INFO
RMAT
ION
SYS
TEM
DEV
ELO
PMEN
T G
ROU
P
Andr
eas T
edja
, VP
CORP
ORA
TE P
LAN
NIN
GG
ROU
P
Tay
Un
Soo,
ED
**
COM
PLIA
NCE
MAN
AGEM
ENT
GRO
UP
Iraw
an S
anto
so, S
VP
SYAR
IAH
BAN
KIN
GG
ROU
P
Ari P
urw
ando
no, S
VP
JAKA
RTA
IICO
NSU
MER
ARE
A
Luki
Pre
sisa
B. U
tam
i, VP
PRIV
ATE
BAN
KIN
GG
ROU
P
Elw
in K
arya
di, S
VP
JAKA
RTA
I BU
SIN
ESS
AREA
Sind
bad
R.H
, SVP
CORP
ORA
TE
BAN
KIN
G I
GRO
UP
Pand
ji D
jaja
nega
ra, V
P
JABA
R N
ETW
ORK
&
SERV
ICES
ARE
AAg
us P
asar
ibu,
AVP
(Coo
rdin
ator
)
INFR
ASTR
UCT
URE
&TE
CHN
OLO
GY
OPR
.G
ROU
PSu
hart
o Su
leh,
VP
FIN
ANCI
ALAC
COU
NTI
NG
GRO
UP
Han
doyo
Soe
bali,
SVP
RISK
MAN
AGEM
ENT
GRO
UP
Raha
rdjo
S. U
nggu
l, SV
P
JATI
M C
ON
SUM
ERAR
EA
Laks
mi M
ustik
anin
grat
, VP
CARD
PRO
DU
CT G
ROU
P
Moh
amad
Hel
mi,
VP
JAKA
RTA
II BU
SIN
ESS
AREA
Dam
ianu
s L. H
ufat
, VP
CORP
ORA
TEBA
NKI
NG
II G
ROU
P
Benn
y Ar
ya S
, VP
JATI
M &
IND
. TIM
UR
NET
WO
RK &
SER
VICE
SAR
EAN
oor A
idlo
n, V
P
INFO
RMAT
ION
SE
CURI
TY &
SYS
TEM
GRO
UP
Ded
dy E
. Rid
wan
, VP
CORP
ORA
TE LE
GAL
GRO
UP
L. W
ulan
Tum
bela
ka, S
VP
HU
MAN
RES
OU
RCES
MAN
AGEM
ENT
GRO
UP
Awal
di, V
P
JATE
NG
CO
NSU
MER
AREA
Reza
A. S
yafn
i, VP
JATI
M B
USI
NES
S AR
EA
Budi
Was
ito, S
VP
TREA
SURY
MAN
AGEM
ENT
GRO
UP
Bam
bang
Eko
K., V
P(C
oord
inat
or)
JATE
NG
NET
WO
RK &
SERV
ICES
ARE
A
Yuri
Yudi
stira
, VP
LEAR
NIN
G
MAN
AGEM
ENT
GRO
UP
Mar
tha
Bam
bang
P, V
P
JABA
R CO
NSU
MER
AREA
Arie
f Witj
akso
no, A
VP(C
oord
inat
or)
JATE
NG
BU
SIN
ESS
AREA
Ign.
Koe
swid
yant
oro,
VP
INVE
STM
ENT
SERV
ICE
GRO
UP
Tedd
y O
J. Pu
nu, S
VP
SUM
ATER
A N
ETW
ORK
&
SER
V. A
REA
Nug
raha
nto
Sund
oro,
VP
SUM
ATER
A CO
NSU
MER
AREA
Pard
amea
n Si
payu
ng, V
P
JABA
R BU
SIN
ESS
AREA
Agus
Hen
dart
o, V
P
IND
ON
ESIA
TIM
UR
CON
SUM
ER A
REA
Rahm
at A
. Har
is, A
VP(C
oord
inat
or)
SUM
ATER
ABU
SIN
ESS
AREA
Ferr
y O
. Man
tiri,
VP
SME
IBU
SIN
ESS
AREA
Firm
an A
. Moe
is. V
P
SME
IIBU
SIN
ESS
AREA
Albe
rt A
.A. O
rah,
VP
ELEC
TRO
NIC
DEL
IVER
Y G
ROU
P
Rudy
Bud
iman
, VP
CEO
Pete
r B. S
tok
INDEX
Bank Niaga Annual Report 2005
FIN
ANCI
AL IN
STIT
UTI
ON
& P
ROD
UCT
GRO
UP
Cath
erin
e H
adim
an, E
D*
CORP
ORA
TEBA
NKI
NG
I G
ROU
P
Pand
ji D
jaja
nega
ra, V
P
CORP
ORA
TEBA
NKI
NG
II G
ROU
PRi
dwan
Jahj
a, V
P(C
oord
inat
or)
INVE
STM
ENT
SERV
ICES
GRO
UP
Tedd
y O
.J. P
unu,
SVP
TREA
SURY
MAN
AGEM
ENT
GRO
UP
Bam
bang
Eko
K., V
P(C
oord
inat
or)
Stru
ktur
Org
anis
asi b
erla
ku e
fekt
if 1
Janu
ari 2
006
Org
anis
atio
n St
ruct
ure
offic
ially
effe
ctiv
e Ja
nuar
i 1, 2
006
BOAR
D O
F CO
MM
ISIO
NER
S
Has
hem
i Alb
akri,
Vic
e CE
O
AUD
ITCO
MM
ITTE
E
CORP
ORA
TEAF
FAIR
S
Rizk
i P. H
asan
, SVP
SATU
AN P
ENG
AWAS
INTE
RN
Bam
bang
Rat
man
to, E
VP
MO
RTG
AGE
BAN
KIN
G
Agos
Cho
lan,
EVP
PREF
ERRE
D B
ANKI
NG
Lynn
a A.
Mul
iaw
an, E
VP
RETA
IL S
ALES
&
SERV
ICES
Yos B
adila
ngce
, EVP
BUSI
NES
S BA
NKI
NG
D. J
ames
Rom
pas,
ED
CORP
ORA
TE B
ANKI
NG
Cath
erin
e H
adim
an, E
D
OPE
RATI
ON
& IT
Paul
S. H
asjim
, EVP
RISK
MAN
AGEM
ENT
Pete
r B. S
tok,
CEO
*
FIN
ANCE
& P
LAN
NIN
G
Tay
Un
Soo,
ED
COM
PLIA
NCE
& H
R
C. H
eru
Budi
argo
, ED
MO
RTG
AGE
I ARE
A
Juan
ita Lu
than
, VP
PRIV
ATE
BAN
KIN
GG
ROU
P
Mar
yadi
A. L
aksm
ono,
AVP
(Coo
rdin
ator
)
RISK
MAN
AGEM
ENT
GRO
UP
Raha
rdjo
S. U
nggu
l, SV
P
CORP
ORA
TE P
LAN
NIN
GG
ROU
PH
arry
Iman
S., V
P(C
oord
inat
or)
MO
RTG
AGE
II AR
EA
Laks
mi M
ustik
anin
grat
, VP
PREF
ERRE
D C
IRCL
EG
ROU
P
Ikky
Der
mab
udim
an, S
VP
CRED
IT R
EVIE
W &
SUPP
ORT
GRO
UP
Benn
y Ar
ya S
., VP
CORP
ORA
TE LE
GAL
GRO
UP
L. W
ulan
Tum
bela
ka, S
VP
RETA
IL C
OLL
ECTI
ON
&RE
COVE
RY G
ROU
PCo
rina
L. Ka
rnal
ies,
VP(C
oord
inat
or)
FIN
ANCE
&AC
COU
NTI
NG
GRO
UP
Ded
dy E
. Rid
wan
, VP
SYAR
IAH
BAN
KIN
GG
ROU
P
Ari P
urw
ando
no, S
VP
RETA
IL P
ROD
UCT
&SE
RVIC
ES D
EV. G
ROU
PG
atot
Sub
agio
, VP
(Coo
rdin
ator
)
CARD
CEN
TER
GRO
UP
Moh
amad
Hel
mi,
VP
JAKA
RTA
I SAL
ES &
SERV
ICES
ARE
A
Han
doyo
Soe
bali,
SVP
JAKA
RTA
II SA
LES
&SE
RVIC
ES A
REA
Luki
Pre
sisa
B. U
tam
i, VP
JATI
M S
ALES
&SE
RVIC
ES A
REA
M. P
ujio
no S
anto
so, V
P
JATE
NG
SAL
ES &
SERV
ICES
ARE
A
Reza
A. S
yafn
i, VP
JABA
R SA
LES
&SE
RVIC
ES A
REA
M. A
rief W
icak
sono
, AVP
SUM
ATER
A SA
LES
&SE
RVIC
ES A
REA
Pard
amea
n Si
payu
ng, V
P
IND
. TIM
UR
SALE
S &
SERV
ICES
ARE
ARa
hmat
A. H
aris
, AVP
(Coo
rdin
ator
)
CEO
Pete
r B. S
tok
BUSI
NES
S D
EV.
GRO
UP
Dia
h Pa
ram
aisw
ari,
VP
JAKA
RTA
I BU
SIN
ESS
AREA
Sind
bad
R.H
., SVP
JAKA
RTA
II BU
SIN
ESS
AREA
Dam
ianu
s L. H
ufat
, VP
JATI
M B
USI
NES
S AR
EA
Budi
Was
ito, S
VP
JATE
NG
BU
SIN
ESS
AREA
Ign.
Koe
swid
yant
oro,
VP
JABA
R BU
SIN
ESS
AREA
Agus
Hen
dart
o, V
P
SUM
ATER
A BU
SIN
ESS
AREA
Ferr
y O
. Man
tiri,
VP
SME
IBU
SIN
ESS
AREA
Firm
an A
. Moe
is, V
P
SME
IIBU
SIN
ESS
AREA
Albe
rt A
.A. O
rah,
VP
IT S
YSTE
MD
EVEL
OPM
ENT
GRO
UP
Andr
eas T
edja
, VP
INF.
SEC
URI
TY &
SYST
EM G
ROU
PSu
hend
i Muh
aram
, AVP
(Coo
rdin
ator
)
IT O
PERA
TIO
N G
ROU
P
Suha
rto
Sule
h, V
P
ELEC
TRO
NIC
DEL
IVER
YG
ROU
P
Rudy
Bud
iman
, VP
JAKA
RTA
OPE
RATI
ON
S AR
EA
Suha
rdia
nto,
SVP
JABA
R O
PERA
TIO
NS
AREA
Agus
Pas
arib
u, A
VP(C
oord
inat
or)
JATI
M &
INTI
MO
PERA
TIO
NS
AREA
Noo
r Aid
lon,
VP
CEN
TRAL
JAVA
O
PERA
TIO
NS
AREA
Yuri
Yudi
stira
, VP
SUM
ATER
AO
PERA
TIO
NS
AREA
Nug
raha
nto
Sund
oro,
VP
COM
PLIA
NCE
MAN
AGEM
ENT
GRO
UP
Iraw
an S
anto
so, S
VP
HU
MAN
RES
OU
RCES
MAN
AGEM
ENT
GRO
UP
Awal
di, V
P
LEAR
NIN
GM
ANAG
EMEN
T G
ROU
PD
anny
Tri
Sury
ani,
AVP*
*(C
oord
inat
or)
* Tu
gas R
angk
ap /
Dua
l Rol
e**
Ber
laku
per
25
Janu
ari 2
006
/ Eff
ectiv
e Ja
nuar
y 25
, 200
6
INDEX
xxxii.
Bank Niaga Laporan Tahunan 2005
Per 1 Januari 2006
Dewan Komisaris1. Dr. Rozali Mohamed Ali: Presiden Komisaris2. Gunarni Soeworo: Wakil Presiden Komisaris, merangkap
Komisaris Independen3. Dato’ Halim Muhamat: Komisaris4. Sigid Moerkardjono:Komisaris, merangkap Komisaris
Independen5. Datuk Hamzah Bakar: Komisaris, merangkap Komisaris
Independen6. Ananda Barata: Komisaris, merangkap Komisaris
Independen7. Dr. Roslan A. Ghaffar: Komisaris8. Prof. Dr. Roy Hendra Michael Sembel: Komisaris, merangkap
Komisaris Independen*
Direksi1. Peter B. Stok: Presiden Direktur2. Hashemi Albakri : Wakil Presiden Direktur3. Daniel James Rompas: Direktur4. C. Heru Budiargo: Direktur5. Tay Un Soo: Direktur6. V. Catherinawati Hadiman: Direktur
* Berlaku efektif terhitung sejak diperolehnya persetujuan dari Bank Indonesia pada 19 Desember 2005.
Mohd Shukri Hussin akan berlaku efektif setelah diperolehnya persetujuan dari Bank Indonesia
As at 1st January 2006
Board of Commissioners1. Dr. Rozali Mohamed Ali: President Commissioners2. Gunarni Soeworo: Vice President Commissioners, serving
concurrently as an Independent Commissioner3. Dato’ Halim Muhamat: Commissioner4. Sigid Moerkardjono: Commissioner, serving concurrently
as an Independent Commissioner5. Datuk Hamzah Bakar: Commissioner, serving concurrently
as an Independent Commissioner6. Ananda Barata: Commissioner, serving concurrently as an
Independent Commissioner7. Dr. Roslan A. Ghaffar: Commissioner8. Prof. Roy Hendra Michael Sembel, Ph.D.: Commissioner,
serving concurrently as an Independent Commissioner*
Board of Directors1. Peter B. Stok: President Director2. Hashemi Albakri: Vice President Director3. Daniel James Rompas: Director4. C. Heru Budiargo: Director5. Tay Un Soo: Director6. V. Catherinawati Hadiman: Director
* Officially effective since Bank Indonesia approval on December 19, 2005.
Mohd Shukri Hussin will be officially effective after Bank Indonesia approval
Susunan Dewan Komisaris dan DireksiBoard of Commissioners and Directors
INDEX
Bank Niaga Annual Report 2005
Pejabat Senior Ekskutif per 1 Januari 2006Board of Senior Executives as at 1 January 2006
Lynna A. MuliawanExecutive Vice PresidentHead of Preferred Banking Joined Bank Niaga in 1995
Yosef Antonius Boliona BadilangoeExecutive Vice PresidentHead of Retail Sales & Services Joined Bank Niaga in 1985
Bambang RatmantoExecutive Vice PresidentHead of Internal Audit (Comptroller)Joined Bank Niaga in 1985
Agos CholanExecutive Vice PresidentHead of Mortgage Banking Joined Bank Niaga in 2003
Paul S. HasjimExecutive Vice President Head of Operation & ITJoined Bank Niaga in 1983
Pejabat Perusahaan per 1 Januari 2006Other Senior Executives as at 1st January 2006
CORPORATE AFFAIRS (serving concurrently as a Corporate Secretary)
Rizki P. HasanSenior Vice President – Corporate Affairs Head
MORTGAGE BANKING
Juanita LuthanVice President – Mortgage I Area Manager
Laksmi MustikaningratVice President – Mortgage II Area Manager
Corina L. KarnaliesVice President – Retail Collection & Recovery Group Coordinator
Ari PurwandonoSenior Vice President – Syariah Banking Group Head
PREFERRED BANKING
Maryadi Aryo LaksmonoAssistant Vice President – Private Banking Group Coordinator
Ikky Dermabudiman Senior Vice President – Preferred Circle Group Head
RETAIL SALES & SERVICES
Gatot SubagioVice President – Retail Product & Services Dev. Group Coordinator
Mohamad HelmiVice President – Card Centre Group Head
Handoyo SoebaliSenior Vice President – Jakarta I Sales & Services Area Manager
Luki Presisa Budi UtamiVice President – Jakarta II Sales & Services Area Manager
M. Pujiono SantosoVice President – East Java Sales & Services Area Manager
Reza A. SyafniVice President – Central Java Sales & Services Area Manager
M. Arief WicaksonoAssistant Vice President – West Java Sales & Services Area Manager
Pardamean SipayungVice President – Sumatera Sales & Services Area Manager
Rahmat A. HarisAssistant Vice President – East Indonesia Sales & Services Area Coordinator
BUSINESS BANKING
Diah ParamaiswariVice President – Business Development Group Head
Sindbad Riyadi HardjodipuroSenior Vice President – Jakarta I Business Area Manager
Damianus L. HufatVice President – Jakarta II Business Area Manager
xxxiii.
INDEX
xxxiv.
Bank Niaga Laporan Tahunan 2005
Budi WasitoSenior Vice President – East Java Business Area Manager
Ignatius KoeswidyantoroVice President – Cental Java Business Area Manager
Agus HendartoVice President – West Java Business Area Manager
Ferry O. MantiriVice President – Sumatera Business Area Manager
Firman A. MoeisVice President – SME I Business Area Manager
Albert A.A. OrahVice President – SME II Business Area Manager
CORPORATE BANKING
Pandji DjajanegaraVice President – Corporate Banking I Group Head
Ridwan JahjaVice President – Corporate Banking II Group Coordinator
Teddy O.J. PunuSenior Vice President – Investment Service Group Head
Bambang Eko K.Vice President – Treasury Management Group Coordinator
OPERATION & IT
Andreas TedjaVice President – IT System Development Group Head
Suhendi MuharamAssistant Vice President – Inf. Security & System Group Coordinator
Suharto SulehVice President – IT Operation Group Head
Rudy BudimanVice President – Electronic Delivery Group Head
SuhardiantoSenior Vice President – Jakarta Operations Area Manager
Agus PasaribuAssistant Vice President – West Java Operations Area Coordinator
Noor AidlonVice President – East Java & East Indonesia Operation Area Manager
Yuri YudistiraVice President – Central Java Operations Area Manager
Nugrahanto SundoroVice President – Sumatera Operations Area Manager
RISK MANAGEMENT
Rahardjo S. UnggulSenior Vice President – Risk Management Group Head
Benny Arya S.Vice President – Credit Review & Support Group Head
FINANCE & PLANNING
Harry Iman S.Vice President – Corporate Planning Group Coordinator
L. Wulan TumbelakaSenior Vice President – Corporate Legal Group Head
Deddy E. RidwanVice President – Finance & Accounting Group Head
COMPLIANCE & HUMAN RESOURCES
Irawan SantosoSenior Vice President – Compliance Management Group Head
AwaldiVice President – Human Resources Management Group Head
Danny Tri SuryaniAssistant Vice President – Learning Management Group Coordinator
INDEX
xxxv.
Bank Niaga Annual Report 2005
Produk & LayananProducts & Services
INDEX
Pinjaman IndividuNiaga Kredit RumahMerupakan fasilitas pinjaman untuk pembelian rumah, baik baru ataupun bekas (di lingkungan real estate atau non real estate), ruko, rukan, vila, tanah, maupun renovasi rumah dengan bunga rendah, jangka waktu pinjaman hingga 20 tahun dan berbagai pilihan cara pembayaran cicilan.
Niaga Kredit MobilMerupakan fasilitas pinjaman untuk pembelian kendaraan, baik baru ataupun bekas dengan jangka waktu pinjaman sampai dengan 5 tahun dengan tingkat bunga angsuran tetap sampai jatuh tempo pinjaman.
Niaga Kredit SerbagunaAdalah fasilitas pinjaman dengan agunan rumah atau mobil, untuk membiayai aneka kebutuhan seperti liburan, kesehatan, pendidikan, pernikahan, dan segala keperluan lainnya dengan jangka waktu pinjaman hingga 3 tahun.
Niaga Kartu KreditMerupakan kartu kredit Visa/Master dengan fasilitas angsuran SEE & GET, Transfer Saldo, dan Reimbursement sebagai pengganti belanja tunai, juga layanan Niaga Travel untuk keperluan perjalanan.
Niaga Kartu Kredit MiniMerupakan kartu kredit yang berukuran mini yaitu 43% dari ukuran kartu kredit umumnya dan dapat digunakan untuk berbelanja di seluruh jaringan Visa/Visa Electron dengan program penawaran spesial berupa diskon hingga 30% di merchant Enjoy 30
TabunganTabungan Bunga HarianTabungan bagi nasabah perorangan dalam mata uang Rupiah yang bunganya dihitung berdasarkan saldo harian.
Niaga X-TraTabungan dalam mata uang Rupiah untuk nasabah perorangan yang memberikan 5 Kartu ATM Niaga dengan 1
xxxvi.
Bank Niaga Laporan Tahunan 2005
Consumer LoansNiaga Housing LoanLoan facility to purchase new or second house (in real-estate or non real estate area), shop house, office house, villa, land, as well as house renovation with low interest rate, loan tenure up to 20 years and various installment alternatives.
Niaga Car LoanLoan facility to purchase motor vehicles, either new or used, with loan tenure up to 5 years and fixed interest rate until loan maturity
Niaga Multipurpose LoanLoan facility with house or vehicle as the collateral, to finance various needs, such as vacation, health, marriage, and any other requirements with loan tenure up to 3 years.
Niaga Credit CardVisa/Master credit card with SEE & GET installment facility, transfer balance, and reimbursement as cash transaction replacement, as well as Niaga Travel Services for your travelling planner needs.
Niaga Credit Mini CardA credit card with the size of 43% of regular credit card which can be used to transact in all Visa/Visa Electron’s merchant (POS) with special discounts offering up to 30% in Enjoy 30’s merchant
Savings AccountsTabungan Bunga HarianSavings account for individual customers in Rupiah currency with daily compounded interest.
Niaga X-TraSavings account in rupiah currency for individual customers, providing flexibility and simplicity of managing all banking transactions with 5 Kartu Niaga Visa Electron and a combined financial statement. Interest is compounded daily and is tiered.
Produk & LayananProducts & Services
Produk & LayananProducts & Services
INDEX
laporan keuangan terpadu, sehingga memberikan fleksibilitas sekaligus kemudahan mengontrol seluruh transaksi dengan bunga yang dihitung berdasarkan saldo harian, dengan sistem perhitungan bunga bertingkat
Niaga PendidikanSimpanan berjangka waktu, yang khusus dirancang untuk membantu orang tua dalam perencanaan dana pendidikan bagi putra-putri dengan cara menyetor secara rutin setiap bulannya dengan jumlah dan jangka waktu yang ditetapkan sendiri.
Niaga MapanSimpanan berjangka dalam mata uang rupiah dengan sistem setoran rutin bulanan dan hanya dapat ditarik secara sekaligus pada saat jatuh tempo (disebut : Niaga Mapan Waktu) atau pada saat jumlah tabungan telah mencapai jumlah tertentu, (disebut Niaga Mapan Dana).
Niaga CerdikTabungan untuk anak dalam mata uang Rupiah yang bunganya dihitung berdasarkan saldo harian yang dapat dimiliki atas nama sendiri dengan disain buku & kartu ATM yang trendi.
Niaga DolarRekening simpanan berbunga dan berasuransi bagi nasabah perorangan dalam mata uang USD yang penarikannya dapat dilakukan sewaktu-waktu.
DepositoDeposito (Rp/ Foreign Currency)Deposito Rupiah adalah jenis simpanan berjangka yang memberikan keuntungan berupa tingkat bunga yang menarik bagi nasabah perorangan maupun perusahaan dalam mata uang rupiah dan valuta asing lainnya dengan jangka waktu 1, 3, 6, 12 bulan, dan dapat dicairkan pada saat jatuh tempo atau diperpanjang secara otomatis (Automatic Roll-Over).
Sertifikat Niaga (Seni)Simpanan berjangka bagi nasabah perorangan maupun Perusahaan dalam mata uang Rupiah yang mempunyai jangka waktu tertentu dan bunganya diperhitungkan dimuka serta dapat diperjual-belikan sampai dengan tanggal jatuh tempo
GiroGiro (Rp/ Foreign Currency)Rekening koran bagi nasabah perorangan maupun Perusahaan dalam mata uang Rupiah atau valuta asing lainnya, yang penarikannya dapat dilakukan setiap saat dengan
xxxvii.
Bank Niaga Annual Report 2005
Niaga PendidikanInstallment saving account specially designed to assist parents in their child’s education fund planning by doing a monthly deposit with a certain amount and tenure specified by customer themselves.
Niaga MapanInstallment savings account in rupiah currency with routine monthly deposit and can be withdraw on maturity date (known as : Niaga Mapan Waktu) or when the account balance reach certain amount (known as : Niaga Mapan Dana).
Niaga CerdikIs a kids’ saving account in rupiah currency in which its interest is calculated under daily balance, and it is complemented with trendy book and Visa Electron ATM card.
Niaga DollarSavings account with daily compounded interest and insurance for individual customers in US dollar currency that can be withdrawn at any time.
Deposit AccountsTime Deposits (Rp/ Foreign Currency)Rupiah Time Deposit is Rupiah denominated savings account with attractive interest rate for individual or corporate customers for the periods of 1, 3, 6, 12 months and may be withdrawn on maturity date or rolled over automatically (Automatic Roll Over).
Sertifikat Niaga (Seni)Rupiah denominated certificate of deposit for individual and corporate customers with certain tenure, in advance interest calculation, and is tradable until maturity time.
Demand DepositDemand Deposit (Rp/ Foreign Currency)Rupiah or any other foreign currencies denominated current account for individual and corporate customers that can be withdraw any time with cheque, ATM, or payment order in order to provide convenience in daily business transactions.
E-BANKINGKartu Niaga Visa ElectronATM and Debit Card convenient for spending transaction at Visa/Visa Electron sign bearer, cash withdrawal transaction at all ATM Niaga, ATM Bersama and Visa/Plus network and other banking transaction through Bank Niaga’s electronic banking facility
INDEX
menggunakan cek, bilyet giro, ATM, surat perintah pembayaran sehingga memberikan kemudahan dalam melakukan transaksi bisnis sehari-hari.
E-BANKINGKartu Niaga Visa ElectronMerupakan kartu ATM dan debit serbaguna yang dapat digunakan untuk berbelanja di tempat – tempat berlogo Visa/Visa Electron , untuk melakukan penarikan tunai di seluruh jaringan ATM Niaga, ATM Bersama, dan Visa/Plus dan transaksi perbankan lainnya melalui layanan perbankan elektronik Bank Niaga
Niaga Kartu Debit MiniMerupakan kartu debit yang berukuran mini, yaitu 43% dari ukuran kartu debit umumnya, dan dapat digunakan untuk berbelanja di tempat – tempat berlogo Visa/Visa Electron dengan program penawaran spesial berupa diskon hingga 30% di merchant Enjoy 30.
ATM NiagaMerupakan layanan perbankan elektronik 24 jam yang dapat digunakan untuk bertransaksi perbankan tunai dan non tunai dengan dengan mendatangi ATM Niaga yang terletak di berbagai lokasi strategis di Indonesia.
Niaga AccessLayanan perbankan elektronik 24 jam melalui telepon dan ponsel melalui nomor telepon 14041.
Niaga Ponsel AccessMerupakan layanan perbankan elektronik 24 jam yang dapat digunakan untuk bertransaksi perbankan melalui SMS di ponsel.
Niaga Global@ccessMerupakan layanan perbankan elektronik 24 jam yang dapat digunakan untuk bertransaksi perbankan melalui internet dengan mengakses www.bankniaga.com.
Niaga Quick PayMerupakan nama layanan pembayaran tagihan dan isi ulang pulsa yang dapat dilakukan melalui seluruh layanan perbankan elektronik Bank Niaga
EFFICientMerupakan layanan inquiry system yang berbasis internet, yang memberikan kemudahan bagi nasabah Financial Institution untuk mengakses rekening mereka lebih cepat dan real time.
xxxviii
Bank Niaga Laporan Tahunan 2005
Niaga Debit Mini CardA debit card with the size of 43% of regular debit card which can be used to transact in all Visa/Visa Electron’s merchant (POS) with special discounts offering up to 30% in Enjoy 30’s merchant
ATM Niaga24 hours electronic banking facility for all banking transaction accessible by visiting the nearest ATM Niaga located on various strategic places in Indonesia
Niaga AccessOver the phone or mobile phone 24 hours banking facility accessible by dialing 14041.
Niaga Ponsel Access24 hours electronic banking facility accessible through SMS on mobile phone.
Niaga Global@ccess24 hours banking facility for banking transaction through internet that is accessible just by cl icking on www.bankniaga.com
Niaga Quick PayBrand name for bills payment and mobile phone top up through Bank Niaga’s electronic banking facility.
EFFICientInternet based inquiry service for Financial Institutions clients providing fast and real time access to their accounts.
Cash Management Services (PC Banking)The latest electronic banking service from Bank Niaga to facilitate transaction and access to various information on an on-line realtime through computer terminal (PC) at your workplace.
SST (Self Service Terminal) Niaga24 hours electronic banking facility that can be use only for non cash banking transaction accessible by visiting SST located on various strategic places in Indonesia
Produk & LayananProducts & Services
INDEX
Cash Management Services (PC Banking)Layanan perbankan elektronis terkini dari Bank Niaga yang memudahkan Anda dalam melakukan transaksi dan mengakses berbagai informasi secara on-line realtime melalui terminal komputer (PC) dari tempat kerja Anda beraktivitas.
SST (Self Service Terminal) NiagaMerupakan layanan perbankan elektronik 24 jam yang dapat digunakan untuk bertransaksi perbankan non tunai dengan mendatangi SST yang terletak di berbagai lokasi strategis di Indonesia.
Perbankan Bisnis, Treasury Dan KorporasiPerwaliamanatanMemberikan layanan bagi para investor yang meliputi:• Wali Amanat: mewakili kepentingan investor atas surat
hutang• Pembayaran Pokok & Bunga Obligasi serta Dividen Saham• Agen Konversi dan Agen Tukar• Agen Penerbit, Agen Pemantau dan Agen Pengendali• Security Agent dan Escrow Agent
Jasa KustodianCustodial Services Bank Niaga adalah Local Custodial Bank pertama yang mendapatkan ijin dari Badan Pengawas Pasar Modal (Bapepam) untuk jasa Kustodian (Agustus 1991), dan juga Local Custodial Bank pertama yang ditunjuk oleh Bank Indonesia sebagai Sub Registry Obligasi Pemerintah (Febuari 2000)
Kredit UKM Pola KemitraanFasilitas pembayaran usaha bagi pemasok, distributor, subkontraktor, pemegang hak franchise atau anak angkat dari perusahaan yang terpilih sebagai mitra Bank Niaga.
Pembiayaan PerdaganganFasilitas kredit dan layanan perbankan untuk menunjang nasabah dalam kegiatan perdagangan domestik dan internasional.
PinjamanFasilitas pinjaman untuk kebutuhan modal kerja (termasuk modal kerja ekspor), investasi maupun perdagangan ekspor/impor.
Warehouse FinancingFasilitas pinjaman modal kerja dalam rangka kegiatan usahanya dengan jaminan berupa barang/komoditi yang ditempatkan di gudang (warehouse) yang dikontrol oleh collateral manager.
Business, Treasury And Corporate BankingTrust ServiceInvestment-related comprehensive services such as:• Trust Agent: representing Investor’s interest on bonds• Bond’s nominal and interest payment and share dividend• Conversion Agent and Exchange Agent• Monitoring Agent and Controlling Agent• Security Agent and Escrow Agent
Custodial ServiceBank Niaga Custodial Services is the first Local Custodian Bank licensed by Capital Market Supervisory Agency (Bapepam) for custodian service (August 1991), and also the first Local Custodian Bank appointed by Bank Indonesia for the Government Bond Sub Registry (February 2000)
Small Medium Enterprise Credit Through PartnershipBusiness financing facilities for suppliers, distributors, subcontractors, franchise license holders or SME’s endorsed by Bank Niaga’s partners.
Trade FinanceCredit facility and banking service to support customers in domestic and international business trading.
LoansLoan facilities to suit customer working capital needs, investment and trade finance.
Warehouse FinancingA working capital loan facility backed by merchandise or commodities held and controlled by a collateral manager in a warehouse.
Other ServicesKas Kilat NiagaRemittance service for Indonesian Overseas Workers (TKI) to send money to their families in Indonesia through bank to bank transfer, Weselpos Niaga and bank drafts/cheques, with easy access through Bank Niaga’s network of correspondents in Malaysia (CashLaju), Saudi Arabia (Speedcash), United Arab Emirates, Kuwait, Hong Kong and Taiwan.
Niaga Quick TransferThe forex transfer service from Bank Niaga, which is quick, cheap, safe and convenient.
Safe Deposit BoxRental facility for safe deposit box to keep valuable goods for
xxxix.
Bank Niaga Annual Report 2005
INDEX
Layanan LainnyaKas Kilat NiagaLayanan penyampaian kiriman uang dari Tenaga Kerja Indonesia (TKI) ke seluruh pelosok tanah air, melalui: transfer antar bank, Weselpos Niaga, dan Draft/Cheque serta dapat diakses melalui jaringan koresponden Bank Niaga di Malaysia (CashLaju), Saudi Arabia (Speedcash), United Arab Emirates, Kuwait, Hong Kong dan Taiwan.
Niaga Quick TransferLayanan transfer valuta asing (valas) dari Bank Niaga, yang cepat , murah , aman dan nyaman.
Safe Deposit BoxFasilitas penyewaan kotak penyimpanan barang-barang berharga bagi nasabah perorangan maupun perusahaan yang disediakan dalam berbagai ukuran sesuai kebutuhan.
Pembayaran GajiMerupakan layanan bagi nasabah Perusahaan dalam mengelola penggajian karyawan secara rutin dengan mendebet rekening giro perusahaan.
AutolinkMerupakan layanan pengelolaan dana antar rekening nasabah yang dilakukan secara otomatis dan rutin, berdasarkan instruksi dari nasabah dalam hal tanggal, jumlah atau persentase dana yang ditransfer atau penentuan jumlah dana (saldo).
Niaga Laporan Terpadu/ Niaga Combined StatementMerupakan layanan yang merangkum secara rutin rekening-rekening nasabah di Bank Niaga seperti : Giro Rupiah / Valas, Niaga Dolar, Deposito Rupiah / Valas serta Niaga Pendidikan.
Weselpos NiagaFasilitas pengiriman dana melalui Bank niaga bekerjasama dengan PT Pos Indonesia yang akan meneruskan pengiriman uang Anda ke seluruh pelosok Indonesia. Anda dapat mengirim Weselpos Niaga ke kota yang Anda tuju walaupun tidak terdapat cabang Bank Niaga dan Weselpos Niaga tersebut dapat diuangkan di Kantor Pos yang tertera di dalam Wesel tersebut.
Niaga Preferred Collection ServicesLayanan collection warkat-warkat USD yang tertarik di USA secara aman, bergaransi, cepat dan murah.
Penerimaan Setoran Pajak/ Tax PaymentMerupakan layanan penerimaan penyetoran pajak Perusahaan
both individual and corporate customers, which is provided in various sizes as required.
Corporate PayrollA banking service for Corporates to manage payroll, by debit to a Company Bilyet Giro account.
AutolinkCash management service between different account automatically and routinely, based on the customer's instruction in terms of date, amount or the percentage of cash to be transferred or retained up to desired limits.
Niaga Combined StatementA comprehensive banking service that integrates the management of all accounts under one name and presents the bank statement for the following accounts in Bank Niaga such as : Bilyet Giro Rupiah / Valas, Niaga Dolar, Deposito Rupiah / Valas and Niaga Pendidikan.
Weselpos NiagaThe facility in cooperation with PT Pos Indonesia will carry on your transfer anywhere in Indonesia. You can send Weselpos Niaga to your destination town irrespective of there being a Bank Niaga branch there, as Weselpos Niaga can be cashed in any specified Post Office.
Niaga Preferred Collection ServicesSecure, guaranteed, fast and affordable USD collection services for USD bank drafts/cheque drawn in USA
Tax PaymentA bank service to help managing Company's tax documentation and pay taxes (PPh, PPN, PPnBM, Customs and Importer's Tax) under a monitoring system using tax payment report, accessible from all branches of Bank Niaga and automatically recorded in the Tax Service office.
Syariah BankingNiaga Syariah SavingsWhen you open a Niaga Syariah Saving Account, we will immediately manage the fund you entrusted to us to the best of our ability. All you will need to do is sit back and enjoy the pre-agreed profits which have conformed with nisbah.
Niaga Syariah Demand DepositCurrent Account in Rupiah for individual and corporate customers in Wadiah scheme.This product facilitates you in performing daily business
xl.
Bank Niaga Laporan Tahunan 2005
Produk & LayananProducts & Services
INDEX
(PPh, PPN, PPnBM, Bea Cukai dan Pajak Impor) dengan sistem monitoring pelaporan pembayaran pajak dapat dilakukan melalui kantor cabang Bank Niaga dan akan langsung tercatat di Kantor Pajak.
Bank SyariahTabungan Niaga SyariahPada saat anda membuka rekening Tabungan Niaga Syariah, kami segera mengelola dana yang Anda percayakan dengan sebaik-baiknya. Sementara Anda tinggal menikmati keuntungan sesuai nisbah yang telah disepakati bersama sebelumnya.
Giro Niaga SyariahRekening koran bagi nasabah perorangan maupun perusahaan dalam mata uang Rupiah dengan skema Wadiah.Produk ini memberikan kemudahan dalam melakukan transaksi bisnis melalui seluruh outlet Bank Niaga dan Bank Niaga Syariah yang telah online di seluruh Indonesia.
Deposito Berjangka Niaga Syariah Investasi berjangka dalam mata uang Rupiah yang disesuaikan dengan keinginan dan kebutuhan Anda. Dengan keuntungan bagi hasil sesuai nisbah yang telah disepakati bersama.
E-Banking Niaga Syariah E-Banking Niaga Syariah hadir dengan beragam layanan untuk mempermudah mobilitas Anda. Segala transaksi dapat dilakukan tanpa harus repot dan lama mengantri.
Buah Hati Niaga SyariahTabungan yang sekaligus memberikan perlindungan asuransi untuk pendidikan buah hati tercinta. Dengan pilihan yang fleksibel dan sesuai prinsip Syariah.
Pembiayaan bisnis Niaga SyariahLayanan modal kerja dan investasi yang memberikan kemudahan untuk memperlancar usaha Anda.
Pembiayaan Kepemilikan Rumah Niaga Syariah Layanan pembiayaan untuk membantu pembelian perumahan baru atau bekas sesuai dengan prinsip Syariah.
Pembiayaan Kepemilikan Mobil Niaga Syariah Layanan yang memberikan kemudahan untuk kepemilikan mobil baru atau bekas sesuai dengan prinsip Syariah.
transactions through all Bank Niaga and Bank Niaga Syariah online outlets all over Indonesia.
Niaga Syariah Time DepositFutures investment in Rupiah with profit sharing at a pre-agreed rate which have conformed with nisbah.
Niaga Syariah E-BankingNiaga Syariah E-Banking offers a range of services to facilitate customer’s mobility. Any transaction can be done with no hassle or long queues.
Niaga Syariah Buah HatiSaving that provides insurance protection for children's education, with flexible options which also conformed with Syariah principle.
Niaga Syariah Business FinancingA working capital and investment service that will help you to accelerate your business.
Niaga Syariah Home FinancingAn easy financing service to help you purchase a new or second house which conformed with Syariah principles.
Niaga Syariah Car FinancingEasy financing service to purchase a new or used vehicle which conformed with Syariah principles.
xli.
Bank Niaga Annual Report 2005
INDEX
Kantor Pusat 1Graha NiagaJl. Jend. Sudirman Kav. 58Jakarta 12190Tel : (021) 250 5151, 250 5252, 250 5353Fax : (021) 250 5205Telex : 60876 nagaho ia
60877 nagaho iahhtp : //www.bankniaga.come-mail : caniaga@bankniaga.com
Kantor Pusat 2Griya Niaga BintaroJl. Wahid Hasyim Blok B IV No.3Bintaro Jaya Sektor VII, TangerangTel : (021) 7486 2001
Kantor Pusat 3Gajah MadaJl. Gajah Mada No. 18, Jakarta 10130Tel : (021) 6385 7667Fax : (021) 6385 7612Telex : 45806 gamabn ia
45894 gamabn ia 45327 gamabn ia
Kantor CabangJAKARTA
Jakarta Pusat
Gajah MadaJl. Gajah Mada No. 18Jakarta 10130Tel : (021) 6385 7649, 6385 7667, 6385
7711Fax : (021) 6385 7612Telex : 45806 gamabn ia
45894 gamabn ia 45327 gamabn ia
ThamrinJl. M.H Thamrin No. 53Jakarta 10350Tel : (021) 315 6761, 315 6721Fax : (021) 315 6781Telex : 44284 thabn ia
CikiniJl. Cikini Raya N0. 71AJakarta 10330Tel : (021) 230 1005Fax : (021) 230 1236
GambirJl. Kwitang No.17–18, GambirJakarta 10110Tel : (021) 230 0687, 390 6304Fax : (021) 230 0665Telex : 69122 gbrbn ia
61415 gbrbn ia
Unika Atma JayaKampus Atma JayaJl. Jend. Sudirman Kav. 51Jakarta PusatTel : (021) 570 8802, 572 2224Fax : (021) 572 2224
KramatJl. Kramat Raya No.148Jakarta PusatTel : (021) 3190 9471, 3190 9570Fax : (021) 3190 9717
Cempaka PutihJl. Cempaka Putih Raya No. 102Jakarta PusatTel : (021) 424 2506, 424 2469Fax : (021) 4287 5765
ITC Mangga DuaRuko Tekstil Blok C VI No.1Jakarta PusatTel : (021) 601 1427, 601 9210Fax : (021) 601 1425, 601 7605
Tanah AbangKomp. Pertokoan Tanah Abang BukitBlok B No. 2Jakarta PusatTel : (021) 345 6218, 345 6228Fax : (021) 345 6223
Wisma Nugra SantanaJl. Jend. Sudirman Kav. 7-8Jakarta PusatTel : (021) 5100 0091-3Fax : (021) 5100 0096
BenhilRuko Bendungan Hilir Raya Blok A No. 15Jakarta PusatTel : (021) 579 51750 / 1, 571 4514Fax : (021) 571 4504
Gunung SahariJl. Gunung Sahari No. 73CJakarta PusatTel : (021) 421 2582Fax : (021) 421 2612
KCP PecenonganJl. Pecenongan RayaRuko Pecenongan Raya No. 17EJakarta PusatTel : (021) 384 8150 / 53Fax : (021) 384 8152
Jakarta Selatan
SudirmanGraha NiagaJl. Jend. Sudirman Kav. 58Jakarta SelatanTel : (021) 250 5050Fax : (021) 250 5458
Wisma Pondok Indah IIWisma Pondok Indah, Lt. Dasar,Jl. Sultan Iskandar Muda Blok V TAJakarta 12310Tel : (021) 769 7101Fax : (021) 769 7109
FalatehanJl. Falatehan I No. 27Jakarta SelatanTel : (021) 270 2888, 270 0555Fax : (021) 720 0207Telex : 47324 falbn ia
MahakamJl. Mahakam I No.14Jakarta SelatanTel : (021) 725 1550Fax : (021) 725 1477
xlii.
Bank Niaga Laporan Tahunan 2005
Bank Niaga DirectoriesDaftar Alamat Kantor Bank Niaga
INDEX
TebetJl. Prof Dr. Supomo SH No. 15A,TebetJakarta SelatanTel : (021) 829 5579, 830 1774-6Fax : (021) 829 9032
FatmawatiJl. Fatmawati No. 20Jakarta 12140Tel : (021) 765 6523Fax : (021) 750 4812Telex : 47981 fatbn ia
KemangJl. Kemang Raya No.3Jakarta 12730Tel : (021) 719 4462Fax : (021) 7179 1645
MampangMampang PlazaJl. Buncit Raya No. 100,Jakarta 12790Tel : (021) 798 2167, 798 2170Fax : (021) 797 0551
Bursa Efek JakartaGedung Bursa Efek Jakarta II,Lantai Dasar Suite G.06Jl. Jend. Sudirman Kav. 52-53Jakarta SelatanTel : (021) 515 4766-8Fax : (021) 515 4763
Soepomo II (Lapangan Roos)Jl. Lapangan Roos Raya No.8Jakarta SelatanTel : (021) 829 3751-7Fax : (021) 829 3758
Gran Melia KuninganGraha Surya Inter NusaJl. HR Rasuna Said Kav. X-O, KuninganJakarta 12950Tel : (021) 527 2801Fax : (021) 527 2806
Metro Pondok Indah IJl. Metro Duta NiagaPondok Indah Plaza I Blok II UA Kav. 67-69Jakarta 12310Tel : (021) 750 3541-3Fax : (021) 751 3915
CipulirJl. Cipulir Raya o. 17Jakarta SelatanTel : (021) 734 3344Fax : (021) 734 3355
ITC FatmawatiRuko ITC Fatmawati No.10Jakarta SelatanTel : (021) 7279 3900Fax : (021) 7279 8300
RPX Centre (FEDEX)Jl. Ciputat Raya Kav. 99Jakarta SelatanTel : (021) 7590 9101Fax : (021) 7590 9102
Setiabudi Building IIGround FloorJl. HR. Rasuna Said Kav. 62Kuningan, Jakarta SelatanTel : (021) 252 3236Fax : (021) 252 2376
VeteranJl. RC. Veteran No. 11-EBintaro, Jakarta SelatanTel : (021) 735 4423Fax : (021) 735 5641
Kemang IIJl. Kemang Raya No. 47-DJakarta SelatanTel : (021) 719 9812, 719 9837Fax : (021) 719 9732
AmbasadorRuko Mall Ambasador No.R-5Jl. Satrio RT 08/03Jakarta SelatanTel : (021) 5793 1047-9Fax : (021) 5793 1046
SucofindoGraha Sucofindo Lt. 1Jl. Raya Ps. Minggu Kav. 34Jakarta SelatanTel : (021) 791 88303 – 5Fax : (021) 791 88307
Permata HijauJl. Arteri Permata HijauGrogol Utara, Kebayoran LamaRuko Grand Permata Hijau Emerald No. 18Jakarta SelatanTel : (021) 5366 3250, 5366 3714 – 9Fax : (021) 5366 3251
ArcadiaPerkantoran Hijau Arcadia,Tower E, Ground FloorJl. T.B. Simatupang Kav. 88Jakarta SelatanTel : (021) 7883 7660Fax : (021) 7883 7721
Coffee BankingWisma Metropolitan I, Ground floorJl. Jend. Sudirman Kav. 29-31Jakarta SelatanTel : (021) 526 1069
PI Mall 2Mall Pondok Indah 2Ground Floor unit No. G33DJl. Metro Pondok Indah, Jakarta Selatan
BidakaraMenara Bidakara, Lobby BidakaraJl. Gatot Subroto Kav. 71-73Jakarta Selatan
Jakarta Barat
KotaJl. Roa Malaka Selatan No. 3-5, KotaJakarta 11230Tel : (021) 260 0260-6Fax : (021) 260 0258Telex : 42782 nagakt ia
xliii.
Bank Niaga Annual Report 2005
INDEX
TomangJl. Tomang Raya No. 25Jakarta 11440Tel : (021) 566 0904Fax : (021) 566 8276
Jakarta Design CentreGedung Jakarta Design CentreJl. Gatot Subroto Kav. 53Jakarta 10260Tel : (021) 549 5131,-4Fax : (021) 549 5135
Puri Indah MallPuri Indah Mall (Pintu Timur)Ruko Puri Indah, Blok A No.9Jl. Puri Agung, Puri IndahKembangan, Jakarta BaratTel : (021) 582 2639-40Fax : (021) 582 2776
Kebon JerukTaman Aries Blok H-1, No. 15-16Meruya Utara, Kebon JerukJakarta BaratTel : (021) 586 5122Fax : (021) 586 5127
Pasar PuriKCP Pasar Puri, Ruko Pasar Puri Blok A No. 9, Jakarta BaratTel : (021) 583 04751Fax : (021) 580 3359
Mangga DuaRuko Mall Mangga Dua No. 11Jakarta BaratTel : (021) 6230 3837 / 44Fax : (021) 6230 3845
Tanjung DurenRuko Tanjung Duren Raya No. 84BJakarta BaratTel : (021) 569 40094Fax : (021) 569 40096
Green GardenRuko Green Garden Blok I-9/19Jakarta BaratTel : (021) 581 0331 / 0416Fax : (021) 5830 3638
RoxyJl. K.H. Hasyim Ashari Roxy MasBlok D3 No. 15, Jakarta BaratTel : (021) 633 9484 / 77, 633 9641Fax : (021) 633 9483
Taman PalemRuko Taman Palem Blok D1 No. 2Jakarta BaratTel : (021) 5596 2942 / 49Fax : (021) 5596 2949
JogloApartemen Permata EksekutifLobby Lt. 1 Tower IIJl. Pos Pengumben RayaJakarta Barat 11550
Mall Taman AnggrekGround Level Ruang C1Jl. S Parman Kav. 21, Jakarta BaratTel : (021) 5699 9195Fax : (021) 5699 9196
Citra GardenKomp. Citra II NiagaRuko Citra II Blok B/8Jl. Utan Jati Blok H 3, KalideresJakarta BaratTel : (021) 544 1445Fax : (021) 544 1466
Jakarta Utara
Kelapa GadingJl. Boulevard Raya LB 3 No. 34-36Kelapa Gading, Jakarta 14240Tel : (021) 450 0195-6Fax : (021) 450 2365
Mega Mall PluitMega Mall Pluit Ruko No. R51Jl. Pluit Raya, Jakarta UtaraTel : (021) 6667 0399, 6667 0395Fax : (021) 6667 0396
Sunter MallJl. Danau Sunter Utara B1 G7 Kav. 11Jakarta UtaraTel : (021) 640 7418Fax : (021) 651 9541
Kelapa Gading IIJl. Raya Barat Boulevard Blok LC 8 No.6Kelapa Gading, Jakarta UtaraTel : (021) 4585 3533Fax : (021) 4585 3534
KapukPantai Indah KapukRuko Mediterania Tahap II Blok KBK, Pluit, Jakarta UtaraTel : (021) 588 4094
PulogadungGedung Sapta Mulia,Jl. Rawa Gelong V, Kav. OR. 3BPulogadung, Jakarta UtaraTel : (021) 4682 9134-5Fax : (021) 4682 8052
Jakarta Timur
KalimalangJl. Tarum Barat Blok Q No. 2Kalimalang, Jakarta 13450Tel : (021) 864 9361-4Fax : (021) 865 6029
JatinegaraJl. Jatinegara Timur No. 84Jakarta 13300Tel : (021) 8590 8405Fax : (021) 8590 8406
Gedung PratamaJl. Pemuda No. 296, RawamangunJakarta TimurTel : (021) 470 7067Fax : (021) 470 6360
CijantungJl. Pendidikan I, CijantungJakarta TimurTel : (021) 8778 1110-2Fax : (021) 8778 1115
JayabayaKampus JayabayaJl. Pulomas Selatan Kav. 23Jakarta TimurTel : (021) 470 0884, 87Fax : (021) 470 0886
xliv.
Bank Niaga Laporan Tahunan 2005
Bank Niaga DirectoriesDaftar Alamat Kantor Bank Niaga
INDEX
JAWA BARAT
BANDUNG
LembongJl. Lembong No. 7, BandungTel : (022) 423 3360Fax : (022) 423 9158Telex : 28342 nagabd ia
28342 nagabd ia
DagoJl. Ir. H. Juanda No. 46,Dago, BandungTel : (022) 424 1511Fax : (022) 420 9743
Buah BatuJl. Buah Batu No. 143, BandungTel : (022) 730 5703Fax : (022) 730 5701
RiauJl. RE Martadinata No. 134, BandungTel : (022) 424 1852Fax : (022) 424 1855
ITBJl. Ganesha No. 10, Kampus ITBBandungTel : (022) 253 4152, 253 4149Fax : (022) 253 4154
Univ. Bandung Raya (UNBAR)Jl. Ph Hasan Mustafa No. 25BandungTel : (022) 710 3912Fax : (022) 721 5919
Pasir KojaGiant PlazaJl. Pasir Koja No. 245 / 193A, Ruko C3BandungTel : (022) 604 6641 - 2Fax : (022) 604 6641
CimahiJl. Raya Cibabat No. 310, Cimahi,BandungTel : (022) 663 4801-3Fax : (022) 663 4804
SukajadiJl. Sukajadi No. 184, BandungTel : (022) 203 4412Fax : (022) 203 8061
CihampelasJl. Cihampelas No. 155, BandungTel : (022) 204 2715Fax : (022) 204 0466
Pasar BaruPusat Perbelanjaan Pasar Baru Lt. 2Unit Kios D2-O3Jl. Otto Iskandardinata No. 70BandungTel : (022) 424 5002 – 4Fax : (022) 424 5001
SentrasariJl. Dr. Sutami No. 14Ruko Sentrasari Mall Blok II No. 14BandungTel : (022) 200 0057Fax : (022) 200 1522
MTCMetro Trade CentreJl. Soekarno Hatta Blok C-20BandungTel : (022) 753 6453Fax : (022) 753 6253
Cirebon
CirebonJl. Siliwangi No. 110, CirebonTel : (0231) 206 981Fax : (0231) 208 036Telex : 28507 nagacb ia
TegalwangiJl. Raya Tegalwangi No.19Cirebon – 45154Tel : (0231) 323 500 / 600, 325 466 - 71Fax : (0231) 323 400
Yos SudarsoJl. Yos Sudarso No. 15 D,E,F, CirebonTel : (0231) 223 437-9Fax : (0231) 223 462-4
TasikmalayaJl. Sutisna Senjaya No. 77TasikmalayaTel : (0265) 323 100Fax : (0265) 324 714
Bogor
PajajaranJl. Pajajaran No.33BogorTel : (0251) 313 456Fax : (0251) 320 845
Bogor Indah PlazaJl. Raya Baru, Kedung BadakBogorTel : (0251) 351 804, 351 807Fax : (0251) 351 812
Citra Gran CibuburCitra Gran Cibubur Blok R1/06BogorTel : (021) 8459 8592 - 4Fax : (021) 8459 8616
TajurRuko V Point, Jl. Pajajaran No. 1Bogor
Bekasi
Ahmad YaniJl. A Yani Blok A8 No. 15BekasiTel : (021) 8885 2401-3Fax : (021) 8885 2386
Samsung Elektronik IndonesiaJl. Jababeka RayaBlok F 29-33, CikarangBekasiTel : (021) 898 7114Fax : (021) 893 4273
Lippo CikarangRuko Menteng, Blok C No. 1Jl. MH Thamrin, Lippo CikarangBekasiTel : (021) 8990 2676Fax : (021) 8990 2668
xlv.
Bank Niaga Annual Report 2005
INDEX
Pondok GedeRuko Pondok Gede Baru Blok H No. 9BekasiTel : (021) 8499 5266 / 5135 / 5299Fax : (021) 8499 5250
CikarangPlaza JababekaJababeka, CikarangTel : (021) 8990 2674 – 76Fax : (021) 8990 2668
DepokJl. Margonda Raya 192DepokTel : (021) 7721 2080/2Fax : (021) 7721 2085
CinereJl. Cinere Raya Blok A No. 12A & 14Cinere, DepokTel : (021) 753 3977, 753 3980Fax : (021) 753 3979
SukabumiCentre SukabumiJl. RE Martadinata No.56SukabumiTel : (0266) 242 932Fax : (0266) 222 050
CianjurJl. Dr. Muardi No. 117, CianjurTel : (0263) 269 618 / 21Fax : (0263) 263 613
BANTEN
Cilegon
Wisma Permata (Krakatau Steel)Jl. KH Yasin Beji No. 2Simpang Tiga, CilegonTel : (0254) 383 550Fax : (0254) 383 551
Cilegon IIJl. A. Yani No. 135GCilegon, BantenTel : (0254) 399 940Fax : (0254) 399 919
Tangerang
Daan MogotJl. Daan Mogot No. 58, Tangerang 15111Tel : (021) 552 2830Fax : (021) 552 1064
BintaroJl. Cut Mutia IIBintaro Jaya Sektor VII, TangerangTel : (021) 745 0539, 745 2223Fax : (021) 745 2024
BSD SerpongBumi Serpong DamaiSektor IV Ext. Blok RE No. 51, TangerangTel : (021) 537 9280Fax : (021) 537 9240
PamulangPamulang Permai IBlok SH 18 No. 10, PamulangTangerangTel : (021) 742 0066, 742 0480Fax : (021) 742 0056
LG ElektronikJl. Tabri, Desa Cirarab, BitungTangerangTel : (021) 597 9745-6Fax : (021) 597 9747
CengkarengGedung PT Cargo AreaBandara Internasional Soekarno HattaCengkareng, TangerangTel : (021) 5591 5074Fax : (021) 5591 5075
KarawaciSupermall KarawaciLippo Karawaci 1200, Tangerang 15811Tel : (021) 5421 1990 / 2025 / 2026Fax : (021) 5421 1991
BandaraBandara Soekarno Hatta, Terminal EKeberangkatan EOD 68Cengkareng, TangerangTel : (021) 5594 384Fax : (021) 5594 385
ITC BSDRuko ITC BSD No. 26Jl. Pahlawan Seribu, Tangerang
JAWA TENGAH
Semarang
PemudaJl. Pemuda No. 21B, SemarangTel : (024) 351 5240Fax : (024) 354 2421Telex : 22289 nagasm ia
22129 nagasm ia
A .YaniJl. A. Yani No.136 A, SemarangTel : (024) 831 9715Fax : (024) 831 0892
BanyumanikMal Harmoni, Jl. Sukun Raya No.68Blok A-5 BanyumanikSemarangTel : (024) 747 8766Fax : (024) 747 8770
MajapahitJl. Majapahit 218C, SemarangTel : (024) 673 3216Fax : (024) 673 3122Pelindo
JurnatanJl. H.A. Salim No. 49Jurnatan, SemarangTel : (024) 358 4147 – 49Fax : (024) 358 4150
Solo
Slamet RiyadiJl. Slamet Riyadi No. 8, SoloTel : (0271) 647 955Fax : (0271) 647 391
ManahanJl. L.U. Adisutjipto No. 28, ManahanSoloTel : (0271) 712 555Fax : (0271) 711 565
xlvi.
Bank Niaga Laporan Tahunan 2005
Bank Niaga DirectoriesDaftar Alamat Kantor Bank Niaga
INDEX
Pasar LegiJl. S Parman No. 79, SoloTel : (0271) 642 370-1Fax : (0271) 642 371
Salatiga
SalatigaKomp. RUKO Tamansari Shopping Centre No.7 & 8Jl. Jend. Sudirman, SalatigaTel : (0298) 329 455 / 8Fax : (0298) 329 457
Kudus
KudusJl. A. Yani No.31, KudusTel : (0291) 432 323-5Fax : (0291) 432 326Telex : 223356 nagakd ia
Magelang
MagelangJl. Tidar No. 16, MagelangTel : (0293) 364 391, 364 160Fax : (0293) 364 121Telex : 22252 nagamg ia
Purworejo
PurworejoJl. Ahmad Yani No. 2, PurworejoTel : (0275) 32 44 44Fax : (0275) 323 179
Temanggung
TemanggungJl. Jend. Sudirman No. 45TemanggungTel : (0293) 491 213Fax : (0293) 491 213
Klaten
KlatenJl. Pemuda No. 234, KlatenTel : (0272) 324 968, 327 908Fax : (0272) 327 907
Tegal
TegalCentre TegalJl. Jend. Sudirman No. 2, Tegal 52113Tel : (0283) 343 800, 343 801-343 805Fax : (0283) 343 814
Purwokerto
PurwokertoJl. Jend. Sudirman No. 417Purwokerto, Propinsi Jawa TengahTel : (0281) 642 660Fax : (0281) 642 651-2
D.I. YOGYAKARTA
SudirmanJl. Jend. Sudirman No. 13YogyakartaTel : (0274) 565 338Fax : (0274) 565 095
KatamsoGaruda, Jl. Brigjen Katamso No. 118YogyakartaTel : (0274) 373 800Fax : (0274) 410 065
Cik DitiroJl. Cik Ditiro No. 7, YogyakartaTel : (0274) 563 230, 565 925Fax : (0271) 584 440Telex : 25113 cikbn ia
BanyuradenRuko Banyuraden No. 7Jl. Godean Km. 5,5, YogyakartaTel : (0274) 621 779Fax : (0274) 621 779
GejayanJl. Gejayan No. 26A, YogyakartaTel : (0274) 557 620Fax : (0274) 557 621
JAWA TIMUR
Surabaya
DarmoJl. Raya Darmo No. 26, SurabayaTel : (031) 568 3060, 568 3013Fax : (031) 567 4354Telex : 33243 nagada ia
SateliteKom. Darmo Park I Blok V/2May. Jen. SungkonoSurabayaTel : (031) 567 8200, 566 9501Fax : (031) 561 2951
KotaJl. Stasiun Kota No. 60 A-BSurabayaTel : (031) 354 2081, 354 2085Fax : (031) 354 1591
HusadaJl. Dharmahusada No. 142SurabayaTel : (031) 594 9468Fax : (031) 594 9480
TunjunganJl. Tunjungan No. 47SurabayaTel : (031) 534 3537, 534 3539Fax : (031) 531 5430Telex : 32299 nagasb ia
SudirmanJl. P. Sudirman No. 59-61SurabayaTel : (031) 532 0050Fax : (031) 532 5510Telex : 34200 nagaps ia
34211 nagaps ia
AndayaniJl. Jemur Andayani No. 53-ASurabayaTel : (031) 843 4194, 843 8093, 843 8125Fax : (031) 843 4669
Bank Niaga Annual Report 2005
xlvii.
INDEX
PerakJl. Perak Barat No. 145SurabayaTel : (031) 357 7880, 357 7884Fax : (031) 357 7885
Kios RMIPertokoan Manyar Mega IndahJl. Ngagel Jaya Selatan G-3SurabayaTel : (031) 502 6660-2, 503 0282Fax : (031) 503 0281
RungkutJl. Rungkut Madya No. 57SurabayaTel : (031) 870 4648, 871 1079, 871
1004, 871 1106Fax : (031) 871 1120
PETRAJl. Siwalankerto, Kampus UK PetraSurabayaTel : (031) 843 9040, 849 4830,
849 4831Fax : (031) 843 6418
KertajayaJl. Raya Kertajaya No. 133–134ASurabayaTel : (031) 504 9086, 504 9072Fax : (031) 504 9087
MulyosariJl. Raya Mulyosari No. 166SurabayaTel : (031) 593 4815, 594 1826, 594 7598Fax : (031) 594 5092
Gedung Graha PenaJl. A. Yani No. 88SurabayaTel : (031) 829 9371-2Fax : (031) 829 9371
STIE PerbanasJl. Nginden Semolo No. 34-36SurabayaTel : (031) 599 7831, 592 4759Fax : (031) 599 7831
Kampus UNAIRJl. Prof. Moestopo No. 47SurabayaTel : (031) 504 2647, 501 7320Fax : (031) 504 2647
Pasar AtumPusat Perbelanjaan Pasar AtumJl. Bunguran No.45, SurabayaTel : (031) 357 3672Fax : (031) 357 3743
Rich PalaceJl. Mayjen Sungkono No. 151Ruko Rich Palace Blok R-22SurabayaTel : (031) 568 8044, 568 7754,
568 7834, 568 7924, 568 7945Fax : (031) 5687649
Pakuwon Trade CentreKomplek Pertokoan super Mall Lt. 2 Blok T1 No. 12SurabayaTel : (031) 739 0562-64, 739 0584, 739
0603-4Fax : (031) 7390561
JemursariJl. Jemursari No. 161SurabayaTel : (031) 847 6249, 847 8380Fax : (031) 847 8386
GalaxyMega GalaxyJl. Kertajaya Indah Timur 16-B/6SurabayaTel : (031) 596 8266 – 68Fax : (031) 596 8237
UNAIRKampus C UnairJl. MulyorejoSurabayaTel : (031) 591 5059Fax : (031) 591 5056
Kembang JepunJl. Kembang Jepun No. 129SurabayaTel : (031) 532 0050Fax : (031) 532 0510
KapasJl. Kapas Krampung No. 71-ASurabayaTel : (031) 6000 9212-3, 6000 9215Fax : (031) 6000 9216
Malang
MalangJl. Basuki Rahmat No. 26-28MalangTel : (0341) 363 100Fax : (0341) 327 616Telex : 31475 nagami ia
GalunggungJl. Galunggung No. 58, MalangTel : (0341) 581 505Fax : (0341) 581 506
A. YaniJl. A. Yani No. 18-E, MalangTel : (0341) 411 891Fax : (0341) 411 890
MATOSMalang Town Square (Matos)Unit GE-2 No. 11Jl. Veteran No. 2, MalangTel : (0341) 586 011Fax : (0341) 559 145
RSSARumah Sakit Dr. Saiful Anwar (RSSA)Jl. Jaksa Agung Suprapto No. 2MalangTel : (0341) 359 960Fax : (0341) 359 960
Soekarno HattaRuko Soekarno HattaJl. Soekarno Hatta No. 2-2ªMalangTel : (0341) 404 411Fax : (0341) 404 410
xlviii.
Bank Niaga Laporan Tahunan 2005
Bank Niaga DirectoriesDaftar Alamat Kantor Bank Niaga
INDEX
Sidoarjo
SidoarjoJl. A. Yani No. 15-ASidoarjoTel : (031) 896 1157, 896 1159Fax : (031) 896 1327
WaruGateway WaruRuko Gateway B-9 SawotratapJl. Suparman WaruSidoarjo 61256Tel : (031) 854 2908Fax : (031) 855 4102
Gresik
GresikJl. Dr. Sutomo No. 32Gresik, SurabayaTel : (031) 398 2103, 398 3995, 398 2114Fax : (031) 398 2605
JemberJl. Gajah Mada No. 74JemberTel : (0331) 487 311Fax : (0331) 484 264
Kediri
KediriJl. Dipenogoro No. 140Kediri, Jawa TimurTel : (0354) 671 777Fax : (0354) 683 995, 671 777-8
BALI
Badung
DenpasarJl. Melati No. 29DenpasarTel : (0361) 232 929Fax : (0361) 263 510Telex : 35633 nagabl ia
Gatot SubrotoJl. Gatot Subroto No. 777XDenpasarTel : (0361) 428 585Fax : (0361) 415 844
SriwijayaKomplek Pertokoan Sriwijaya, A-8Kuta - BaliTel : (0361) 765 175Fax : (0361) 759 749
JimbaranJl. Kembar Kampus Unud No. 1Jimbaran, Badung, DenpasarTel : (0361) 742 1658Fax : (0361) 704 271
Teuku UmarRukan TelkomJl. Teuku Umar No. 4-5, DenpasarTel : (0361) 236 779Fax : (0361) 236 950, 236 884
Gianyar
UbudJl. Wanara Wana No. 9A (Monkey Forest)Ubud, Kab. Gianyar, BaliTel : (0361) 972 339Fax : (0361) 972 340
SUMATRA UTARA
Medan
Bukit BarisanJl. Pos (d/h Bukit Barisan) No. 07Medan 20111Tel : (061) 415 5445, 451 2256Fax : (061) 453 0142Telex : 51662 mdnbn ia
52157 mdnbn ia
Gajah MadaJl. Gajah Mada No. 11Medan 20153Tel : (061) 415 1100Fax : (061) 452 4664Telex : 51662 mdnbn ia
52157 mdnbn ia
Thamrin PlazaJl. Thamrin No. 75-RMedanTel : (061) 735 1135Fax : (061) 735 7232
JuandaJl. Ir. H Juanda No. 14MedanTel : (061) 452 8534Fax : (061) 452 8551
Kawasan Industri MedanJl. Sumatera No. 7MedanTel : (061) 684 0080Fax : (061) 685 0090
Medan MallJl. Pusat Pasar No. 10AMedanTel : (061) 452 8877Fax : (061) 452 4244
AksaraJl. Aksara No. 56, MedanTel : (061) 733 0707Fax : (061) 735 4807
PetisahJl. Gatot Subroto No. 79MedanTel : (061) 455 3344Fax : (061) 455 2244
GlugurJl. Kom Yos Sudarso No. 14A/49AMedanTel : (061) 663 4231Fax : (061) 661 9566
Binjai
BinjaiKCP BinjaiJl. Jend. Sudirman No. 292-294, BinjaiTel : (061) 882 0001Fax : (061) 882 0002
xlix.
Bank Niaga Annual Report 2005
INDEX
KEPULAUAN RIAU
BatamJl. Laksamana BintanKomp. Executive CentreBlok I No. 1 ABC, Sei PanasBatam (Commercial)Tel : (0778) 426 777Fax : (0778) 454 373
NagoyaKomplek Nagoya Business Centre Blok 6/26, Nagoya, BatamTel : (0778) 432 832Fax : (0778) 432 834
Hang KesturiJl. Hang Kesturi KM IVKabil Indonusa EstateBatam
Top 100Kompleks Pertokoan Plaza TOP 100 Penuin, Blok A No. 11, Batam
Riau
PekanbaruJl. Jend. Sudirman Bo. 255 CDPekanbaruTel : (0761) 298 68, 295 65Fax : (0761) 298 38
DuriJl. Hangtuah No. 410, DuriPekanbaruTel : (0765) 594 760, 591 643Fax : (0765) 594 750
NangkaJl. Nangka / Tuanku TambuasaiKomplek Taman Melia Blok B No. 7PekanbaruTel : (0761) 572 028Fax : (0761) 572 023
SUMATERA SELATAN
Palembang
PalembangJl. Jend. Sudirman No. 132 BPalembang, Sumatera SelatanTel : (0711) 377 770, 377 778Fax : (0711) 377 755
LAMPUNG
LampungJl. Laks. Malahayati No. 34-40LampungTel : (0721) 489 630-1, 485 773Fax : (0721) 483 296
Raden IntanJl. Raden Intan No. 140ABandar LampungTel : (0721) 259 877Fax : (0721) 259 787
KALIMANTAN TIMUR
Balikpapan
BalikpapanKompleks Ruko Bandar Balikpapan Blok C-12A & 14Jl. Jend. Sudirman, Klandasan UluBalikpapanTel : (0542) 739 200Fax : (0542) 739 201
Mall FantasyMall Fantasy Balikpapan BaruTel : (0542) 875 609Fax : (0542) 876 475
SULAWESI UTARA
ManadoJl. Sam Ratulangi No. 205Manado, Sulawesi UtaraTel : (0431) 863 100, 844 008Fax : (0431) 860 400
SisingamangarajaJl. Sisingamangaraja No. 34Calaca, ManadoTel : (0431) 878 524Fax : (0431) 878 527
SULAWESI SELATAN
Makassar
MakassarJl. Ahmad Yani No. 33MakassarTel : (0411) 318 718, 310 741-2Fax : (0411) 317 049
PanakkukangJl. Raya Boulevard Ruko Rubby No. 2PanakkukangMakassarTel : (0411) 456 284-5Fax : (0411) 456 286
KakatuaJl. Kakatua No. 150MakassarTel : (0411) 811 338 / 871 891Fax : (0411) 811 0338
LosariKCP LosariJl. Penghibur No. 62MakassarTel : (0411) 321 903Fax : (0411) 321 925
PAPUA
Mimika
Kuala KencanaSuite 103, Kuala Kencana CentreMimika, Papua 99920Tel : (0901) 301 234Fax : (0901) 301 233
Tembaga Pura ISingle Shoping, Mimika,Tembagapura, Papua 99930Tel : (0901) 351 234-5, 351 286Fax : (0901) 351 233
l.
Bank Niaga Laporan Tahunan 2005
Bank Niaga DirectoriesDaftar Alamat Kantor Bank Niaga
INDEX
Tembaga Pura IIFamily Shoping Centre, Mimika,Tembagapura, Papua 99930Tel : (0901) 352 333Fax : (0901) 352 352
Ridge CampRidge Camp, MimikaTembagapura, Papua 99930Tel : (0901) 412 867
Yos SudarsoJl. Yos Sudarso No. 19ATimika, Mimika, Papua 99910Tel : (0901) 323 684-6, 323 688Fax : (0901) 323 684
LUAR NEGERI
CAYMAN ISLANDSElizabethan SquareElizabethan Square, Phase III, 3rd FloorGrand Cayman, Cayman IslandsBritish West IndiesTel : (1-345) 945 2003
BANK NIAGA CARD CENTRE
JAKARTA
Kantor Pusat 2Griya Niaga BintaroJl. Wahid Hasyim Blok B IV No.3Bintaro Jaya Sektor VII, TangerangTel : (021) 7486 2001
JAWA BARAT
Bandung
DagoJl. Ir. H. Juanda No. 46, Bandung 40115Tel : (022) 423 2311Fax : (022) 423 1967
JAWA TENGAH
SemarangCabang Ahmad YaniJl. A. Yani No. 136A, Semarang 50241Tel : (024) 831 9715Fax : (024) 831 0892
D.I. YOGYAKARTA
SudirmanJl. Jend. Sudirman No. 13YogyakartaTel : (0274) 565 338Fax : (0274) 565 095
JAWA TIMUR
Surabaya
Stasiun KotaJl. Stasiun Semut, Kota, No. 60 A-BSurabaya – Jawa TimurTel : (031) 356 4040 – 43Fax : (031) 356 4030
BALI
Denpasar
MelatiJl. Melati No. 29Denpasar 80233Tel : (0361) 232 929Fax : (0361) 263 510
SUMATERA UTARA
Medan
Medan MallJl. Pusat Pasar No. 10BMedanTel : (061) 4565 768Fax : (061) 4565 774
PEKAN BARU
Pekan Baru
SudirmanJl. Jend. Sudirman No. 255 CDPekan Baru 28111Tel : (0761) 295 65Fax : (0761) 298 68
PAPUA
TimikaKuala KencanaSuite 103 – Kuala Kencana CentreTimikaTel : (0901) 301 833Fax : (0901) 301 233
UNIT USAHA SYARIAH
Jakarta Selatan
Syariah VictoriaLobby Gedung VictoriaJl. Hasanudin No.47-51, Kebayoran BaruJakarta SelatanTel : (021) 726 8050-1Fax : (021) 725 5557
Syariah Graha NiagaGraha NiagaJl. Jend. Sudirman Kav. 58Jakarta SelatanTel : (021) 250 6634Fax : (021) 250 6635
Syariah Metro Pondok Indah IMetro Pondok Indah IPondok Indah Plaza I,Blok II UA Kav.67-69, Jakarta SelatanTel : (021) 769 6585, 769 6673Fax : (021) 769 6632
Syariah SupomoJl. Prof. Dr. Supomo, SH No.15ATebet, Jakarta SelatanTel : (021) 830 1774-5Fax : (021) 837 83849
Bank Niaga Annual Report 2005
li.
INDEX
Jakarta Pusat
Syariah CikiniJl. Cikini Raya No.71 A, Jakarta PusatTel : (021) 390 4875, 314 3205Fax : (021) 390 8781
BANTEN
Tangerang
Syariah BintaroGriya Niaga I BintaroJl. Wahid Hasyim Blok B-4/3Bintaro Jaya Sektor VIIPusat Kawasan Niaga Terpadu
JAWA TIMUR
Syariah DarmoJl. Darmo No. 75, SurabayaTel : (031) 566 2900Fax : (031) 566 9377
ANAK PERUSAHAAN DAN AFILIASI
PT. Saseka Gelora FinanceMega Plaza, Lantai 6Jl. HR Rasuna Said Kav C3Jakarta 12920Tel : (021) 521 2626Fax : (021) 521 2577, 521 2588
PT. Niaga Aset Manajemen(Bank Niaga Cabang Kemang)Jl. Kemang Raya No. 3, Jakarta 12730Tel : (021) 719 9363Fax : (021) 719 9361, 719 9369
PT Asuransi CIGNAMenara Kadin Indonesia, Lt.6Jl. HR. Rasuna SaidBlok X-5 / Kav.02-03, Jakarta SelatanTel : (021) 5299 6098 / 6000Fax : (021) 5299 6001
lii.
Bank Niaga Laporan Tahunan 2005
Bank Niaga DirectoriesDaftar Alamat Kantor Bank Niaga
INDEX
Stock ExchangeThe common stock of PT Bank Niaga Tbk (trading symbol BNGA) is listed on the Jakarta Stock Exchange (JSX) and Surabaya Stock Exchange (SSX).
Independent Public AccountantsKAP Haryanto Sahari & RekanGedung PricewaterhouseCoopersJl. H.R. Rasuna Said Kav X-7 No. 6Jakarta 12940Phone : (62-21) 521 2901Fax : (62-21) 5290 5555, -5050
Share RegistrarPT. Sirca Datapro PerdanaWisma Sirca, Jl. Johar No. 18, Menteng, Jakarta PusatPhone : (62-21) 390 5920, 314 0032, 390 0645Fax : (62-21) 390 0652, 314 0185
Annual General Meeting of Shareholder PT Bank Niaga TbkThursday, 6 April 2006.At 2 – 4 PMAt Multifunction RoomGraha Niaga 2nd FloorJl. Jend. Sudirman Kav. 58 – Jakarta 12190, Indonesia
Agenda is as follows:1. Approval of The Company’s Annual Report and Ratification
on Company’s Consolidated Annual Report for Financial Year Ended on 31 December 2005;
2. Determination of use of profit for Financial Year Ended on 31 December 2005;
3. Appointment of Public Accountant for Financial Year 2006 and Determination of its Honorarium and any other requirements regarding such appointment;
4. Determination of the amount of salary/ honorarium and other allowance of the members of the Board of Commissioners and the Board of Directors of the Company.
5. Change of Company’s Board of Commissioners;6. Change of Company’s Article of Association;7. Others: Report on the use of funds received from Limited
Public Offering IV.
Bursa EfekSaham PT Bank Niaga Tbk (kode BNGA) dicatat dan diperdagangkan pada Bursa Efek Jakarta (BEJ) dan Bursa Efek Surabaya (BES).
Akuntan PublikKAP Haryanto Sahari & RekanGedung PricewaterhouseCoopersJl. H.R. Rasuna Said Kav X-7 No. 6Jakarta 12940Phone : (62-21) 521 2901Fax : (62-21) 5290 5555, -5050
Biro Administrasi EfekPT. Sirca Datapro PerdanaWisma Sirca, Jl. Johar No. 18, Menteng, Jakarta PusatPhone : (62-21) 390 5920, 314 0032, 390 0645Fax : (62-21) 390 0652, 314 0185
Rapat Umum Pemegang Saham Tahunan PT Bank Niaga TbkKamis, 6 April 2006.Pukul 14.00 s/d 16.00 WIBBertempat di Multifunction RoomGraha Niaga Lt. 2Jl. Jend. Sudirman Kav. 58 – Jakarta 12190, Indonesia
Agenda RUPST adalah sebagai berikut:1. Persetujuan atas laporan tahunan Perseroan dan
pengesahan perhitungan tahunan Perseroan untuk tahun buku yang berakhir pada tanggal 31 Desember 2005;
2. Penetapan Penggunaan Laba Perseroan untuk Tahun Buku yang berakhir pada tanggal 31 Desember 2005;
3. Penunjukan Akuntan Publik Perseroan untuk tahun buku 2006 dan penetapan honorarium serta persyaratan lain berkenaan dengan penunjukan tersebut;
4. Penetapan besarnya gaji/honorarium dan tunjangan lain bagi anggota Dewan Komisaris dan Direksi Perseroan;
5. Perubahan susunan Dewan Komisaris Perseroan;6. Perubahan Anggaran Dasar Perseroan;7. Lain-lain: Pelaporan Realisasi Dana Hasil Penawaran Umum
Terbatas IV Perseroan.
liii.
Bank Niaga Annual Report 2005
Additional InfoInformasi Tambahan
INDEX
liv.
Bank Niaga Laporan Tahunan 2005
Yang bertandatangan di bawah ini telah membaca dan memeriksa dengan seksama serta menyetujui isi dari Naskah Laporan Tahunan Perseroan tahun 2005 terlampir, yang didalamnya juga memuat Laporan Keuangan Perseroan untuk tahun buku 2005.
The Undersign has read and duly examined and approved the Annual Report of the Company for the year 2005 which includes the Financial Statement of the year 2005.
Yang bertandatangan / The Undersign
Gunarni SoeworoWakil Presiden Komisaris / Vice President Commissioner
Datuk Hamzah BakarKomisaris / Commissioner
Dato’ Halim MuhamatKomisaris / Commissioner
Prof. Dr. Roy Hendra Michael Sembel*Komisaris / Commissioner
Sigid MoerkardjonoKomisaris / Commissioner
Ananda BarataKomisaris / Commissioner
DR. Roslan A. GhaffarKomisaris / Commissioner
Surat Pernyataan KomisarisCommissioners’ Statement
* Berlaku efektif terhitung sejak diperolehnya persetujuan dari Bank Indonesia pada 19 Desember 2005Officially effective since Bank Indonesia approval on December 19, 2005
Mohd Shukri Hussin akan berlaku efektif setelah diperolehnya persetujuan dari Bank IndonesiaMohd Shukri Hussin will be officially effective after Bank Indonesia approval
Dr. Rozali Mohamed AliPresiden Komisaris / President Commissioner
INDEX
Yang bertandatangan di bawah ini telah membaca dan memeriksa dengan seksama serta menyetujui isi dari Naskah Laporan Tahunan Perseroan tahun 2005 terlampir, yang didalamnya juga memuat Laporan Keuangan Perseroan untuk tahun buku 2005.
The Undersign has read and duly examined and approved the Annual Report of the Company for the year 2005 which includes the Financial Statement of the year 2005.
Yang bertandatangan / The Undersign
Peter B. StokPresiden Direktur / President Director
Hashemi AlbakriWakil Presiden Direktur / Vice President Director
Daniel James RompasDirektur / Director
Tay Un SooDirektur / Director
Andi Mohammad Hatta*Direktur / Director
C. Heru BudiargoDirektur / Director
V. Catherinawati HadimanDirektur / Director
lv.
Bank Niaga Annual Report 2005
Directors’ StatementSurat Pernyataan Direksi
* Untuk periode 1 Januari - 25 Agustus 2005For Period January 1 - August 25, 2005
INDEX
lvi.
Bank Niaga Laporan Tahunan 2005
CatatanNotes
INDEX
Kantor Pusat / Head OfficeGraha NiagaJl. Jend. Sudirman Kav. 58 Jakarta 12190Tel : (021) 250 5151, 250 5252, 250 5353 Fax : (021) 250 5205www.bankniaga.com
INDEX