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PT Bank OCBC NISP Tbk Financial Performance – First Half 2015(Unaudited)

This report is solely for the use of PT. Bank OCBC NISP Tbk. No part of it may be circulated,

quoted, or reproduced for distribution outside the organization without prior written approval from

PT. Bank OCBC NISP Tbk. This material was used by PT. Bank OCBC NISP Tbk.during an oral

presentation; it is not a complete record of the discussion.

22

• First Half Performance

• Financial Results

• Corporate Updates

• Appendix

Agenda

33

Executive Summary

• NPAT reached Rp 735 billion or increased by 16% YoY in first half 2015.

• Total Assets up 20% yoy to Rp 121 trillion.

• Loans grew by 13% YoY to Rp 74 trillion.

• Deposits rose 19% YoY to Rp 85 trillion.

• Loan-to-deposit ratio stood at 87.3%, while Loan-to-funding ratio was 79.0%.

• Gross NPL stood at 1.3% and Net NPL was 0.7%.

• Capital adequacy ratio stood at 18.7%.

• Network coverage with 337 offices and 759 ATM OCBC NISP.

44

Network

Branch 337 Offices

Electronic channelATM, EDC & e-Banking

Call centre

• Jabotabek, Banten (150)

• West Java (61)

• Central Java (24)

• East Java (34)

• Bali, Lombok, Sumatera, Kalimantan, Sulawesi, Others (68)

• 759 ATM OCBC NISP and access to more than 143,000 ATM Network in Indonesia and over 960 ATM Network in Singapore and Malaysia

• 835 EDC OCBC NISP and access to over 369,927 EDC Network

• e-Channel OCBC NISP including internet and mobile banking

• Call OCBC NISP 500-999

• Hotline Treasury 08001 111 898

• Corporate Website -www.ocbcnisp.com

55

Income Statement Highlights

Rp. billion 1H14 1H15 ��YoY 1Q15 2Q15 ��QoQ

Net Interest Income 1,805 1,949 8% 981 968 (1%)

Non Interest Income 422 443 5% 201 242 21%

Operating Income 2,227 2,392 7% 1,182 1,210 2%

Operating Expenses (1,256) (1,335) 6% (649) (686) 6%

Pre Provision Operating Profit 971 1,057 9% 533 524 (2%)

Provision Expense (128) (77) (40%) (37) (40) 6%

Non Operating Income/(Expense) - - - - - -

Profit Before Tax 843 980 16% 496 484 (3%)

Net Profit After Tax 632 735 16% 372 363 (3%)

66

Financial Position Highlights

Rp. billion 1H14 1H15 ��YoY 1Q15 2Q15 ��QoQ

Placement in other Bank (net) 1) 6,313 16,074 155% 12,341 16,074 30%

Marketable Securities 2) 15,261 16,788 10% 18,869 16,788 (11%)

Loans (gross) 3) 65,506 74,214 13% 69,971 74,214 6%

Impairment Allowance (1,328) (1,525) 15% (1,476) (1,525) 3%

Total Assets 100,593 121,037 20% 115,022 121,037 5%

Current Account 15,477 17,841 15% 13,275 17,841 34%

Savings 11,157 11,881 6% 11,423 11,881 4%

Time Deposit 44,718 54,997 23% 57,716 54,997 (5%)

Total Customer Deposits 3) 71,352 84,719 19% 82,414 84,719 3%

Borrowings 2,371 2,666 12% 2,615 2,666 2%

Marketable Securities Issued 2,916 5,387 85% 5,384 5,387 NM

Subordinated Bonds 877 878 NM 877 878 NM

Total Liabilities 86,418 105,358 22% 99,692 105,358 6%

Equity 14,175 15,679 11% 15,330 15,679 2%

Note: 1) Including Placement in Bank Indonesia 2) Exclude Securities purchase under resale agreement 3) Including Sharia products

77

Key Ratios% 1H14 1H15 ��YoY 1Q15 2Q15 ��QoQ

Net Interest Margin 4.1 3.7 (0.4) 3.8 3.6 (0.2)

Non Int. Income / Operating Income 19.0 18.5 (0.5) 17.0 20.0 3.0

Cost / Income 56.4 55.8 (0.6) 54.9 56.8 1.9

ROA 1.8 1.7 (0.1) 1.8 1.6 (0.2)

ROE 9.3 9.6 0.3 9.9 9.4 (0.5)

Loan / Deposit 1) 91.5 87.3 (4.2) 84.6 87.3 2.7

Loan / Funding 2) 84.2 79.0 (5.2) 76.4 79.0 2.6

CASA / Deposit 37.3 35.1 (2.2) 30.0 35.1 5.1

Secondary Statutory Reserve 26.6 24.0 (2.6) 29.8 24.0 (5.8)

NPL – Gross 1.1 1.3 0.2 1.4 1.3 (0.1)

NPL – Net 0.7 0.7 - 0.8 0.7 (0.1)

Loan Loss Provision (LLP) / NPL 181.2 161.2 (20.0) 151.9 161.2 9.3

NOP 1.2 1.2 - 1.7 1.2 (0.5)

CAR 19.7 18.7 (1.0) 19.2 18.7 (0.5)

Note:

1) Loan-to-Deposit calculation according to guideline from Bank Indonesia

2) Funding includes Customer Deposits, Borrowings, Bonds and Medium Term Notes (MTN).

88

NIM stood at 3.7% in first half 2015 along with diversified Non-Interest Income channelsNet Interest IncomeRp. billion

Trade Finance2015: 17%

2014: 17%

Deposit Administration

2015: 7%

2014: 8%

Bancassurance2015: 9%

2014: 8%

Others *)

2015: 26%

2014: 21%

Gain from Sale of Marketable securities2015: 16%

2014: 18%

Non-Interest Income 2015: Rp 443 billion

2014: Rp 422 billion

Non-Interest Income by TypeFirst Half

Credit related2015: 24%

2014: 29%

*) Including Wealth Mgt, Remittance, e-channel and Other fee

1,805

1,949

898967 973 981 968

1H14 1H15 2Q14 3Q14 4Q14 1Q15 2Q15

4.1%3.7%

4.1% 4.2% 4.2%3.8% 3.6%

Net Interest Margin

��

Net Interest Margin

��

Foreign Exchange Gain (Loss)2015: 1%

2014: (1%)

1,1991,0621,092

1,182 1,210686649610624643

2Q14 3Q14 4Q14 1Q15 2Q15

60% 60% 59% 60% 56%

40% 41% 44%40% 40%

2,227 2.392

1.3351,256

1H14 1H15

60% 60%

40%40%

9

56.8%54.9%

50.9%

58.9%58.8%

56.4% 55.8%

Cost to Income Ratio▼▼▼▼

Operating Expense and Operating IncomeRp. billion

Operating Income Employee Expense General Administration

Cost to Income Ratio▼▼▼▼

Cost-to-Income Ratio stood at 55.8% in the first half of 2015

1010

Total loans increased by 13% YoY to Rp 74 trillion on the back of diversified loans growth

42%41%42%42%41%

41% 40% 41% 42%42%

18% 18% 17% 17% 16%

2Q14 3Q14 4Q14 1Q15 2Q15

Working Capital Investment Consumer

Loans CompositionRp. billion

65,506

Note: Consumer loans includes Employee loan

Agricultural & mining2015: 9%

2014: 6%

Services2015: 20%

2014: 22%

Manufacturing2015: 26%

2014: 25%

Trading 2015: 26%

2014: 26%

Others *)

2015: 17%

2014: 19%

Construction2015: 2%

2014: 2%

Loans by SectorFirst Half

Outstanding loans2015: Rp 74,214 billion

2014: Rp 65,506 billion

*) “Others” category Including Consumer loans

66,611 68,363 69,97174,214

1111

Loans by Geography First Half

Central Java2015: 2%

2014: 2%

East Java2015: 9%

2014: 9%

Sulawesi & Others2015: 3%

2014: 3%Jakarta2015: 59%

2014: 55%

Kalimantan2015: 3%

2014: 3%

West Java2015: 13%

2014: 15%

Sumatera2015: 11%

2014: 13%

Rupiah2015: 71%

2014: 71%

Foreign currencies2015: 29%

2014: 29%

Loans by CurrencyFirst Half

The bank loans were spread over regions which most of economic activities are undertaken


2014: Rp 65,506 billion


2014: Rp 65,506 billion

97.1%97.3%97.8%97.6%

98.0%

1.6%

1.3%0.9%1.3%0.9%

1.3%

1.4%1.3%1.1%1.1%

2Q14 3Q14 4Q14 1Q15 2Q15

Current Special mention NPL Gross

1212

0.7% 0.7% 0.8% 0.8% 0.7%

Loan Collectibility% of Outstanding loans

69,97165,506

119.6111.3115.9139.8139.8

41.640.640.4

40.541.4

2Q14 3Q14 4Q14 1Q15 2Q15

General Specific

181.2

Loan Loss Provision (LLP) / NPL %

Gross NPL was recorded at 1.3%, while Net NPL stoodat 0.7%

Net NPL��

66,611

180.3

68,363

156.3151.9

74,214

161.2

1313

Total CASA represented 35% of total Third party funds

22% 16% 19% 16%21%

15%14% 16% 14%

14%

63%70%

65%70%

65%

2Q14 3Q14 4Q14 1Q15 2Q15

Current Account Savings Time Deposits

Deposit CompositionRp. billion

71,352

82,414

Deposit and Funding by CurrencyFirst Half

Rupiah2015: 63%

2014: 64%


2014: 36%

Total Deposit2015: Rp 84,719 billion

2014: Rp 71,352 billion

79,46172,805

84,719

Rupiah2015: 63%

2014: 64%


2014: 36%Total Funding

2015: Rp 93,650 billion

2014: Rp 77,516 billion

Note: Funding includes Customer Deposits, Borrowings, Bonds and MTN

79.0%76.4%

86.2%

77.5%

84.2%

91.5%

83.6%

93.6%

84.6%87.3%

1414

LDR was at 87.3% at the end of 1H15, while Loan to Funding stood at 79.0%

Loan-to-Deposit Ratio▼▼▼▼Loans, Third Party Fund and FundingRp. billion

74,214

65,506 66,611 68,363 69,97171,352 72,805

84,719

79,46182,414

77,516

85,69379,079

91,290 93,650

2Q14 3Q14 4Q14 1Q15 2Q15

Loans Deposit Funding

Note:

1) Funding includes Customer Deposits, Borrowings, Bonds and MTN.

2) Secondary Statutory Reserve was managed at 24.0% level (vs 4% level of minimum requirement)

Loan-to-Funding Ratio▼▼▼▼

1515

Rating

PEFINDO

Nov 2014

Corporate Rating idAAA / Stable

Continuous Bonds I idAAA / Stable

Fitch Ratings

April 2015

National Long-term AAA (idn) / Stable

National Short-term F1+ (idn)

Long-term Foreign Currency

Long-term Local Currency

BBB / Stable

A- / Stable

Short-term Foreign Currency F 3

IDR Subordinated Debt AA (idn)

Continuous Bonds I

Viability Rating

Support Rating

AAA (idn)

bb

2

Share Price and Credit RatingsDaily share price and trading volumeNISP IJ

Source: Bloomberg

Share price (Rupiah)Daily trading volume (Thousand)

Ownership StructureAs of 30 June 2015

Number of shares

Ownership

OCBC Overseas

Investment Pte. Ltd*)

9,760,695,612 85.1%

Public 1,711,952,874 14.9%

Total 11,472,648,486 100.0%

ValuationRp.

Jun 14 Sep 14 Dec 14 Mar 15 Jun 15

Share Price 1,400 1,355 1,360 1,400 1,240

PBV 1.2x 1.1x 1.1x 1.1x 0.9x

EPS Quarterly 30 25 27 34 32

Note: *) OCBC Overseas Investment Pte. Ltd is owned by OCBC Bank, Singapore. OCBC Bank is Singapore’s longest established bank (est. 1912) and one of

Asia’s leading financial services groups, with group assets of SGD 404 billion as of 31 March 2015 and employs more than 29,000 staff globally and has

a banking network of over 630 branches and offices in 18 countries and territories.

Share Price▼▼▼▼

Source: Bloomberg

1616




• Appendix

Agenda

17

Business Initiatives

Consumer Banking

– Intensifying Tanda, Taka, Tanda 360o

and Tanda Funtastrip campaign to acquire more new

customers.

– Intensifying internet and mobile banking campaign to acquire more new users.

– Launched Bancassurance products in collaboration with PT Asuransi Buana Independent, PT

Asuransi Jiwa Sequislife and PT Asuransi QBE Pool Indonesia.

– Launched Taka – IB Harley Davidson Program.

– Launched new mutual fund products, such as BNP Paribas Dolar and Ashmore Dana Obligasi.

SUKUK Negara Ritel Seri 007 Year 2015Bank OCBC NISP again serves as a reseller of the SUKUK

Negara Ritel Seri 007 to individual investors. It was successfully

selling SUKUK series to both in primary market as well as in

secondary market.

18

Corporate Action

Continuous Public Offering Bonds I OCBC NISP Phase IIYear 2015• To diversify funding, Bank OCBC NISP raised Rp 3.0 trillion

through the Continuous Public Offering Bonds OCBC NISP

Phase II Year 2015. The bonds issued in 3 series, namely:

– Series A for a term 370 days in the amount Rp 1,095

billion with a 9.0% interest rate,

– Series B for a term 2 years in the amount Rp 670 billion

with a 9.4% interest rate,

– Series C for a term 3 years in the amount Rp 1,235

billion with a 9.8% interest rate.

• The proceeds has been fully utilized for loans expansion.

19

Corporate Social Responsibility

• Bank OCBC NISP held a school field trip program for 67

kindergarten students from TK Raudhotul Athfal (RA) Nurussalam

Karet Kuningan, Jakarta Selatan, themed “AYO ke BANK –

Bermain sambil Belajar”. This program aims at facilitating

financial education to the people, particularly the young generation

of early school years. This program is also supported by the

Financial Services Authority (Otoritas Jasa Keuangan - OJK) in

providing financial literacy to the society.

• Ten of college students from various majors at Multi Data

Palembang campus joined the One Day Workshop (ODW)

program, which carried a theme ”Challenges and Opportunitiesin AEC 2015”. The purpose of the workshop is to educate the

students about how to face the ASEAN Economic Community

(AEC) 2015 era where there are tight competitions in the global

economy such as banking, finance, and human resource.

• As many as 68 students from three universities in Jakarta; Bina

Nusantara University, University of Indonesia, and Prasetiya Mulia

University participate ODW Program 2015, which carried the theme

”Challenges and Opportunities in AEC 2015”. The purpose of

the workshop is to educate (sharing) the students about how to

face the ASEAN Economic Community (AEC) 2015 era where

there are tight competitions in the global economy such as banking,

finance, and human resource.

20

Corporate Social Responsibility (Cont’d)

• Commemorating the 74th anniversary, a number of Bank OCBC

NISP employees, Mrs. Parwati Surjaudaja, and Mr. Rama P.

Kusumaputra joined in the CSR program which was held in the

Kampung Nelayan, Kali Adem, Muara Angke, North Jakarta. The

program carried a theme of “Prosperous Fishermen, Victory inMaritime”. This social event is in line with the government

program to reach Indonesian goal to be the victor in the maritime

industry.

• The Chairman of Bank OCBC NISP, Mr Pramukti Surjaudaja,

visited University of Indonesia on 24th February 2015 as a guest

speaker in a program, themed “Creating Young Profesionalismin the Banking Industry.” Subsequently, he also became the

guest speaker in the same program being held at De Vries

Bandung, which was attended by students from Parahyangan

University, Maranatha University and Institute Technology

Bandung, on 2nd March 2015.

• There were 228 students from various majors from Universitas

Gadjah Mada (UGM), Universitas Atmajaya, Sekolah Tinggi Ilmu

Manajemen (STIM) Nitro, dan Sekolah Tinggi Manajemen

Informatika dan Komputer (STMIK) Kharisma, who joined the

ODW program in Yogyakarta and Makassar. The workshop

carried a theme ”Challenges and Opportunities in AEC 2015”.

21

Corporate Social Responsibility (Cont’d)

• Bank OCBC NISP continues to socialize the issue by educating

students from Kampus Unika Soegijapranata Semarang and

Sekolah Tinggi Ilmu Keguruan dan Ilmu Pendidikan (STKIP)

Garut, various universities in Indonesia in 2015 through a

program themed “Identify, Prevent, Stop Thalassaemia!”.

During this program, as many as 91 students from Unika

Soegijapranata Semarang and 140 students and families of

people who live with Thalassaemia from STKIP Garut attended

the seminar and blood screening test.

• As many as 60 volunteers whom organized as employees of

Bank OCBC NISP and OCBC Group (OCBC Bank Singapore and

Bank of Singapore) conducted a joint event in Ciaseupan through

the Corporate Social Responsibility (CSR) program that carried a

theme “Healthy Life, Better Future – Clean Water &Sanitation for Ciaseupan Village”, including installed two clean

water & sanitation facilities and made 6 pools for breeding and

farming catfish.

• Bank OCBC NISP held a social event, themed “AchievingVictory through Togetherness and Sharing”, to give the nine

basic needs (sembako) to the people around the office’s

neighborhood in Jakarta, Bandung, Surabaya and Palembang

with a total of 2,200 packages.

22

Accolades

.

The Best 3 Corporate Web Award 2015

For banking industry category in Multinational Corporation Web Award 2015 by Investor Daily and Berita Satu

Indonesia Green Awards 2015

By The La Tofi School of CSR for saving water resources category through Clean

Water for Sabira program

Bisnis Indonesia Award

Parwati Surjaudaja as The Best CEOBisnis Indonesia Newspaper - Jakarta

Retail Banking award 2015 by Asian Banking & Finance – Singapore:The Best SME Bank of The Year in Indonesia

Domestic Foreign Exchange Bank of The Year in IndonesiaDomestic Operation & IT Bank of The Year in Indonesia

Domestic Mobile Banking Initiative of The Year in Indonesia

2323

Human Capital

Others

• Team-up Senior executive OCBC Bank Singapore in Board ofCommissioners and Board of Directors OCBC NISP.

• Transfer knowledge throughout comprehensive training program,business event, comparative studies, job attachment and guestauditors.

• Build service excellence culture.

• Provide strong capital support.

• Create synergy in better supporting financing and transactionservice needs for customers.

• Enhance infrastructure, information technology & branch networks.

• Broaden conventional and Islamic banking product suite.

• Bolster process improvement throughout Quality projects.

• Link-up ATM in Singapore and Indonesia.

Supports from Controlling Shareholder

2424




• Appendix

Agenda

2525

Vision and Mission

Vision

Mission

To be the Bank of choice with world-class standards, recognized for its caring and trustworthiness.

Bank OCBC NISP will conduct its business and will operate as an honorable corporate citizen that grows together with the society in a

sustainable manner.

2626

• Fourth oldest bank in Indonesia was incorporated in 1941.

• Listed its shares on Indonesia Stock Exchange in 1994.

• Has survived through any Indonesia economic crisis.

• Transformed the entire organization subsequent to adopted a new name PT Bank OCBC

NISP Tbk. by the end 2008.

• The Indonesia’s eighth largest private bank by the end of May 2015.

• Strong business acumen with focus on serving consumer, small and medium enterprises.

• Currently employs 6,847 dedicated staff to serve customers in 60 cities across Indonesia

throughout 337 offices and 759 ATMs.

• The merger with Bank OCBC Indonesia was completed on 7 February 2011 resulting in

one single banking entity and franchise for the group in Indonesia.

• Solid financial performance with strong capital support from OCBC Bank Singapore.

Fact of OCBC NISP

27

Board of Commissioners as of 30 June 2015Pramukti SurjaudajaChairman– Chairman, Board of Commissioners, Bank OCBC NISP since 2008

– President Director Bank OCBC NISP (1997-2008)

– Director of Bank OCBC NISP (1989-1997)

– Commissioner of Bank OCBC Indonesia (1997-2000)

– Council Member, International & East Asia Council, INSEAD,

France, since 2006

– Non Executive Director at OCBC Bank-Singapore since 2004

Peter Eko SutiosoDeputy Chairman– Deputy Chairman of Bank OCBC NISP since 1998

– Commissioner Bank OCBC NISP (1997-1998)


– Active in Perbanas (Indonesian Banking Association) West

Java as Chairman of Perbanas West Java (1983-1988), and

active in BMPD West Java (1977-1990)

Roy Athanas KaraoglanIndependent Commissioner– Commissioner of Bank OCBC NISP since 2003

– As Banking Consultant since 2003.

– Consultant for IFC (2000-2011)

– Associate Director of Credit Review Department, IFC (1998-2000)

– Senior Banking Advisor of IFC (1997-1998)

– Chief Banking Specialist of Central Capital Markets Department,

IFC (1991-1997)

– Senior Banking Specialist for Africa, World Bank (1989-1991)

Jusuf HalimIndependent Commissioner– Independent Commissioner of Bank OCBC NISP since 2006

– Chairman of CPA Examination Board, the Indonesian Institute of

Accountants (2003-2006)

– Chairman of Financial Accounting Standards Committee (1994-

1998)

– Member of Advisory Board, the Indonesian Tax Accountants

Compartment (2014-2016)

– Member of Honorary Board-the Indonesian Institute of Audit

Committee (2013-2016)

Lai Teck Poh (Dua Teck Poh)Commissioner– Commissioner of Bank OCBC NISP since 2008

– Non Executive Director in OCBC Bank (Malaysia) Bhd since

2011

– Director in OCBC Bank Ltd since 2010

– OCBC Bank Ltd (1988-2010) with latest management

position as Head, Group Audit

– Managing Director, Citicorp Investment Bank (Singapore)

Ltd (1986-1987)

Kwan Chiew ChoiIndependent Commissioner– Commissioner Bank OCBC NISP since 2011

– Independent Commissioner of Bank OCBC Indonesia (2008-

2010)

– Senior Vice President & Head Credit Control and Approval,

OCBC Bank Ltd (1987-2008)

– Vice President of Corporate Banking, First National Bank of

Chicago (Singapore) (1984-1987)

– Loans Department Manager of Sumitomo Bank Ltd,

Singapore Branch (1973-1982)

Samuel Nag TsienCommissioner– Commissioner of Bank OCBC NISP since 2012

– Director of Wing Hang Bank, Limited since August 2014

– Director of Mappletree Investments Pte. Ltd. since March 2014.

– Chairman of the Association of Banks in Singapore since June

2013

– Joined OCBC Bank Ltd in 2007 and appointed as Group Chief

Executive Officer since April 2012 and as Director since February

2014

– Director of OCBC Bank (Malaysia) Berhard, OCBC Al-Amin Bank

Berhard, Great Eastern Holdings Ltd, and OCBC Overseas

Investments Pte. Ltd since April 2012

– Chairman of OCBC Bank (China) Ltd. since October 2012

– President and Chief Executive Officer of Bank of Amerika (Asia)

Hongkong, from1995-2006

Hardi JugandaCommissioner– Commissioner of Bank OCBC NISP since July 2012

– Director Bank OCBC NISP (1997-May 2012)

– Head Positions in various branches and divisions of Bank

OCBC NISP (1985-1997)

28

Parwati SurjaudajaPresident Director & CEO– President Director of Bank OCBC NISP since December 2008

– Deputy President Director Bank OCBC NISP (1997-2008)


Board of Directors as of 30 June 2015

Yogadharma RatnapalasariManaging Director– Director of Bank OCBC NISP since 2003

– Assistant Director Bank OCBC NISP (1997- 2002)

– Commissioner of PT NISP Sekuritas (2000-2003)

– Head Positions in various divisions of Bank OCBC NISP

(1988-1997)

Rama Pranata KusumaputraManaging Director– Director of Bank OCBC NISP since 2006

– Assistant Director of Bank OCBC NISP (2005-2006)

– Region II Coordinator of Bank OCBC NISP (2001-2005)

– Has experience in various positions in Bank Bali (1990-2000)

with last position as General Manager

Emilya TjahjadiManaging Director– Director of Bank OCBC NISP since 2011

– Director of Bank OCBC Indonesia (2009-2010)

– SVP and Head Commercial Banking MME at HSBC, Jakarta

(2003-2009)

– American Express Bank Ltd., Jakarta (1996-2002) with last

position as Director of Corporate Banking

– Standard Chartered Group, Jakarta & Singapore (1991-1996) with

last position as Senior Relationship Manager

HartatiManaging Director– Director of Bank OCBC NISP since 2011

– Chief Financial Officer of Bank OCBC NISP (2010-2011)


– Accounting & Finance Division Head Bank OCBC NISP

(2006-2008)

– General Manager Bank OCBC NISP (2005-2006)

– Bank Mandiri (2001-2005) with last position as Accounting

Group Head (Senior Vice President)

– Bank Bali (1984-2000) with last position as Financial Control

Department Head (Vice President)

Andrae Krishnawan W.Managing Director– Director of Bank OCBC NISP since 2013

– Senior Corporate Executive Bank OCBC NISP (2009-2013)


– The Staff Director Bank OCBC NISP (2006-2007)

– Has experience in various positions in Bank International

Indonesia (1991-2006) with last position as Regional Head for

the last 7 years

Martin WidjajaManaging Director– Director of Bank OCBC NISP since 2012

– SVP & Head of International and Large Local Corporation in

HSBC (2010-2012)

– Senior Vice President, Commercial Banking, HSBC (2006-

2010)

– Vice President, Commercial Banking (2004-2006) and

Corporate & Institutional Banking (2003-2004), HSBC

– Assistant Vice President Corporate & Institutional Banking,

HSBC (2002-2003)

– Manager Corporate Banking, HSBC Surabaya (2000-2002)

Johannes HusinManaging Director– Director of Bank OCBC NISP since 2013

– Treasurer Bank OCBC NISP (2011-2013)

– Executive Vice President, Head of Trading & Sales Bank

Danamon (2008-2011)

– Executive Director – JP Morgan Chase Bank (2005-2008)

– Senior Vice President, Head of Trading Bank Danamon (2004-

2005)

– Vice President, Senior Interest Rate Trader-Standard

Chartered Bank (2000-2004)

– Currency Forward Trader-ABN Amro Bank (1998-2000)

– Foreign Exchange Trader-Bank Dagang Nasional Indonesia

(1997-1998)

29

Board of Directors as of 30 June 2015 (Cont’d)

Low Seh Kiat (Thomas) Managing Director– Director of Bank OCBC NISP since 2013

– National Emerging Business Head Bank OCBC NISP (2010-

2013)

– Vice President, Business Head of Emerging Business OCBC

Bank, Singapore (2005-2010)

– VP, Head of Program Management & Marketing OCBC Bank,

Singapore (2004-2005)

– VP-GE Commercial Financing (S) Ltd, Singapore (2001-2004)

– Has experience in various head positions in Heller Factoring

(S) Ltd, Singapore (1995-1997) and Heller Asia Capital (S)

Ltd, Singapore (1998-2000)

– Sales Manager – D&D International Enterprise Ltd, USA

(1992-1994)

Joseph Chan Fook OnnManaging Director– Director of Bank OCBC NISP since 2014

– OCBC Group Risk Management (Feb-Mar 2014)

– Head of Internal Audit Division, OCBC Bank Malaysia Bhd

(2010-Jan 2014)

– Head of Internal Audit Division, Bank OCBC NISP – Jakarta

(2006-2010)

– Senior Audit Manager – Consumer Credit Review, OCBC

Bank – Singapore (2004-2006)

– Audit Manager, Standard Chartered Bank – Singapore

(2000-2003)

– Have more than 19 years banking experience especially in

Internal Audit.

– MBA, University of Southern Queensland, Australia (2013)

and Bachelor, Business/Accounting, Monash University,

Australia (1994).

3030

Corporate Planning and Development

PT. Bank OCBC NISP Tbk

OCBC NISP Tower, 15th Floor

Jl. Prof. Dr. Satrio Kav. 25, Jakarta 12940

Phone : +62 21 255 33 888

Fax : +62 21 579 44 000

Website : www.ocbcnisp.com

Email : [email protected]

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