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PT Bank OCBC NISP Tbk Financial Performance – Full Year 2016(Audited)

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

• Full Year Performance

• Financial Results

• Corporate Updates

• Appendix

Agenda

33

Executive Summary

• NPAT reached Rp 1,790 billion or increased by 19% YoY in 2016

• Total Assets grew 15% YoY to Rp 138 trillion at the end 2016

• Loans rose 9% YoY to Rp 93 trillion at the end 2016

• Deposits increased by 19% YoY to Rp 104 trillion at the end 2016

• LDR ratio was 89.9%, Loan-to-funding ratio at 85.9% at the end 2016

• Gross NPL stood at 1.9% at the end 2016, remains well below the industry

average of 3.2% as of November 2016

• CAR at 18.3% in the end 2016, above the minimum requirement

• Corporate Rating is AAA with stable outlook

• Network coverage with 340 Offices and 763 ATMs OCBC NISP

44

Network

Branch 340 Offices

Electronic channelATM, EDC & e-Banking

Call centre

• Jabotabek, Banten (150)

• West Java (61)

• Central Java (24)

• East Java (35)

• Bali, Lombok, Sumatera, Kalimantan, Sulawesi, Others (70)

• 763 ATM OCBC NISP and access to more than 176,000 ATM Network in Indonesia and over 890 ATM OCBC Group Network in Singapore and Malaysia

• 984 EDC OCBC NISP and access over 417,000 EDC Network

• e-Channel OCBC NISP including internet and mobile banking

• Call OCBC NISP 1500-999

• Hotline Treasury 08001 111 898

• Corporate Website -www.ocbcnisp.com

55

Income Statement Highlights

IDR billion 2015 2016 ��YoY 1Q16 2Q16 3Q16 4Q16 ��QoQ

Net Interest Income 4,419 5,393 22% 1,305 1,341 1,332 1,415 6%

Non Interest Income 854 1,416 66% 336 363 401 316 (21%)

Operating Income 5,273 6,809 29% 1,641 1,704 1,733 1,731 -

Operating Expenses (2,818) (3,151) 12% (767) (790) (806) (788) (2%)

Pre Provision Operating Profit 2,455 3,658 49% 874 914 927 943 2%

Provision Expense (454) (1,316) 190% (276) (304) (336) (400) 19%

Non Operating Income - Net 1 9 NM 8 - 1 - NM

Profit Before Tax 2,001 2,351 17% 606 610 592 543 (8%)

Net Profit After Tax 1,501 1,790 19% 457 457 444 432 (3%)

66

Financial Position Highlights

IDR billion 2015 2016 ��YoY 1Q16 2Q16 3Q16 4Q16 ��QoQ

Placement in other Bank (net) 1) 9,278 3,442 (63%) 1,978 2,746 3,150 3,442 9%

Marketable Securities 2) 12,003 26,726 123% 19,194 24,453 23,542 26,726 14%

Loans (gross) 3) 85,879 93,363 9% 85,122 86,197 88,128 93,363 6%

Impairment Allowance (1,838) (3,115) 69% (2,113) (2,380) (2,716) (3,115) 15%

Total Assets 120,480 138,196 15% 119,400 128,948 129,540 138,196 7%

Current Account 22,506 24,512 9% 21,162 23,088 23,568 24,512 4%

Savings 13,646 16,289 19% 14,063 15,678 16,957 16,289 (4%)

Time Deposit 51,128 62,759 23% 54,351 53,789 54,838 62,759 14%

Total Customer Deposits 3) 87,280 103,560 19% 89,576 92,555 95,363 103,560 9%

Borrowings 2,757 - NM 2,652 2,642 - - -

Marketable Securities Issued 5,392 3,899 (28%) 2,802 3,896 3,897 3,899 -

Subordinated Bonds 878 879 - 878 879 879 879 -

Total Liabilities 104,069 118,690 14% 102,472 110,273 110,357 118,690 8%

Equity 16,411 19,506 19% 16,928 18,675 19,183 19,506 2%

Note: 1) Including Placement in Bank Indonesia

2) Exclude Securities purchase under resale agreement

3) Including Sharia products

77

Key Ratios

% 2015 2016 ��YoY 1Q16 2Q16 3Q16 4Q16 ��QoQ

Net Interest Margin 4.1 4.6 0.5 4.8 4.6 4.5 4.6 0.1

Non Int. Income / Operating Income 16.2 20.8 4.6 20.5 21.3 23.1 18.2 4.9

Cost / Income 53.4 46.3 (7.1) 46.7 46.4 46.5 45.5 (1.0)

ROA 1.7 1.8 0.1 2.0 1.9 1.8 1.6 (0.2)

ROE 9.6 9.8 0.2 11.0 10.2 9.4 9.0 (0.4)

Loan / Deposit 1) 98.0 89.9 (8.1) 94.7 92.8 92.1 89.9 (2.2)

Loan / Funding 1) 95.4 88.2 (7.2) 92.2 92.0 90.3 88.2 (2.1)

Loan / Funding 2) 88.9 85.9 (3.0) 88.4 86.0 87.7 85.9 (1.8)

CASA / Deposit 41.4 39.4 (2.0) 39.3 41.9 42.5 39.4 (3.1)

NPL – Gross 1.3 1.9 0.6 1.4 1.4 1.5 1.9 0.4

NPL – Net 0.8 0.8 - 0.8 0.6 0.6 0.8 0.2

Loan Loss Provision (LLP) / NPL 164.6 178.1 13.5 176.8 204.0 213.2 178.1 (35.1)

NOP 1.0 1.2 0.2 0.8 0.3 1.6 1.2 (0.4)

CAR 17.3 18.3 1.0 18.0 19.0 19.0 18.3 (0.7)

Note:

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

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

88

NIM increased to 4.6% in 2016 along with diversified Non-Interest Income channels

Net Interest IncomeIDR billion

Trade Finance2016: 10%

2015: 17%

Deposit Administration

2016: 5%

2015: 8%

Bancassurance2016: 8%

2015: 10%

Foreign Exchange Gain

2016: 31%

2015: 9%

Others *)

2016: 13%

2015: 23%

Gain from Sale of Marketable securities2016: 17%

2015: 10%

Non-Interest Income 2016: Rp 1,416 billion

2015: Rp 854 billion

Non-Interest Income by TypeFull Year

Credit related2016: 16%

2015: 23%

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

4,419

5,393

1,303 1,305 1,341 1,332 1,415

2015 2016 4Q15 1Q16 2Q16 3Q16 4Q16

4.1%4.6% 4.7% 4.8% 4.6% 4.5% 4.6%

Net Interest Margin

��

Net Interest Margin

��

1,7041,641 1,619 1,733 1,731

788806790767778

4Q15 1Q16 2Q16 3Q16 4Q16

61% 63% 62% 63% 56%

44%37%39%38%37%

5,273

6,809

3,151

2,818

2015 2016

61% 60%

40%

39%

9

45.5%46.5%46.4%46.7%

48.1%

53.4%

46.3%

Cost to Income Ratio▼▼▼▼

Operating Expense and Operating IncomeIDR billion

Operating Income Personnel Expense General Administration

Cost to Income Ratio▼▼▼▼

Cost-to-Income Ratio improved to 46.3% in 2016

1010

Total loans increased by 9% YoY to Rp 93 trillion on the back of diversified loans growth

46%45%44%43%43%

43% 43% 42% 41%40%

14% 14% 14% 14%14%

4Q15 1Q16 2Q16 3Q16 4Q16

Working Capital Investment Consumer

Loans CompositionIDR billion

Note: Consumer loans includes Employee loan

Agricultural & mining2016: 13%

2015: 12%

Services2016: 17%

2015: 18%

Manufacturing2016: 28%

2015: 26%

Trading 2016: 25%

2015: 27%

Others *)

2016: 15%

2015: 15%

Construction2016: 2%

2015: 2%

Loans by SectorAs of 31 December

Outstanding loans2016: Rp 93,363 billion

2015: Rp 85,879 billion

*) “Others” category Including Consumer loans

85,879 85,122 86,197

93,36388,128

1111

Loans by Geography As of 31 December

Central Java2016: 2%

2015: 2%

East Java2016: 10%

2015: 9%

Sulawesi & Others2016: 3%

2015: 3%

Jakarta2016: 60%

2015: 61%

Kalimantan2016: 2%

2015: 2%

West Java2016: 13%

2015: 13%

Sumatera2016: 10%

2015: 10%

Rupiah2016: 74%

2015: 73%

Foreign currencies2016: 26%

2015: 27%

Loans by CurrencyAs of 31 December

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


2015: Rp 85,879 billion


2015: Rp 85,879 billion

1212

0.8% 0.8%0.6% 0.6%

0.8%

96.7%96.9%

97.2%97.0%97.1%

1.4%

1.6%1.4%1.6%1.6%

1.9%

1.5%1.4%1.4%1.3%

4Q15 1Q16 2Q16 3Q16 4Q16

Current Special mention NPL Gross

Loan Collectibility% Outstanding loans

85,122

124.4 131.1149.1 155.2

40.245.7

54.9

119.1

58.0

59.0

4Q15 1Q16 2Q16 3Q16 4Q16

General Specif ic

Loan Loss Provision (LLP) / NPL %

Gross NPL stood at 1.9%, while Net NPL was at 0.8%

Net NPL��

85,879

164.6176.8

86,197

213.2

88,128

204.0

93,363

178.1

1313

Total CASA represent 39.4% of Third party funds

26% 23% 25% 25% 24%

16% 16%17% 18% 16%

58% 61%58% 57%

60%

4Q15 1Q16 2Q16 3Q16 4Q16

Current Account Savings Time Deposits

Deposit CompositionIDR billion

89,576

Deposit and Funding by CurrencyAs of 31 December

Rupiah2016: 67%

2015: 63%


2015: 37%

Total Deposit2016: Rp 103,560 billion

2015: Rp 87,280 billion

87,280

103,560

Rupiah2016: 69%

2015: 64%


2015: 36%Total Funding

2016: Rp 108,338 billion

2015: Rp 96,308 billion

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

92,555 95,363

98.0%94.7%

92.8% 92.1% 89.9%

88.9% 88.4%86.0% 87.7% 85.9%

1414

LDR was at 89.9%, while Loan-to-Funding ratio was at 85.9%

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

85,879 85,122 86,197 88,12893,363

87,280 89,576 92,555 95,363

103,56096,308 95,908

99,972 100,140108,338

4Q15 1Q16 2Q16 3Q16 4Q16

Loans Deposit Funding

Note:

Funding includes Customer Deposits, Borrowings, Bonds and MTN.

Loan-to-Funding Ratio▼▼▼▼

1515

Rating

PEFINDO

Feb 2017

Corporate Rating idAAA / Stable

Continuous Bonds I and II idAAA / Stable

Fitch Ratings

April 2016

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 31 December 2016

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%

ValuationIDR

Dec 15 Mar 16 Jun 16 Sep 16 Dec 16

Share Price 1,275 1,185 1,225 1,675 2,070

PBV 0.9x 0.8x 0.8x 1.0x 1.2x

EPS Quarterly 28 38 40 40 39

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 394 billion as of 30 September 2016 and employs more than 29,000 staff globally and

has a banking network of over 610 branches and representative offices in 18 countries and territories.

Share Price▼▼▼▼

Source: Bloomberg

1616




• Appendix

Agenda

17

Business Initiatives

.

Consumer Banking- Intensifying Tanda 360o ,Taka and Tanda Funtastrip campaign to acquire more new customers.

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

- Bank OCBC NISP together with PT Rintis Sejahtera as PRIMA network provider established a cooperation

in the field of electronic banking with the acceptance of UnionPay International at ATMs of Bank OCBC

NISP.

- Launched KPR Kendali: Bundling product of mortgage with savings, which allows customer to control

mortgage through savings.

- Launched Bancassurance products, ie Great Optima Link, Batavia Cemerlang, BNP Paribas Cakra Sharia

USD, Super Investlink, Aberdeen Equity Sharia Asia Pacific and Schroder Global Sharia Equity Fund.

- Launched savings IB Mudharabah.

- Launched Insurance Products in collaboration with PT Asuransi QBE Pool Indonesia

18

Business Initiatives (Cont’d)

.

Bank OCBC NISP as a Gateway BankBank OCBC NISP is officially appointed as a Gateway Bank. With

the Tax Amnesty opportunity, Bank OCBC NISP invites customers

to manage their funds through various financial instruments, which

include Deposit (Savings, Giro, Deposit), Insurance (Investment

Linked Insurance), Investment (Mutual Funds, Government Bond,

Treasury (FX Derivatives, Interest Rate Derivatives, Structured

Product) and Loan (Housing Loan, Multi-Purpose Loan, Working

Capital, Investment Loan). In addition, Bank OCBC NISP also

provides ease and convenience of banking transactions between

countries, such as Guarantee for two-hour cash receipt to/from

Bank OCBC NISP and OCBC Singapore, convenience of opening

new account between Indonesia and Singapore and No

Remittance fees across OCBC Group (applicable only for Premier

Banking customers).

Retail Government Bonds (ORI) Series ORI013 Year 2016Following the success of previous ORI selling, Bank OCBC NISP

is now committed to sell ORI013 in both in primary market as well

as in secondary market, pursuant to customer’s needs. As part of

Bank OCBC NISP’s commitment and supported by the

professional staffs, Bank OCBC NISP is ready to serve the

customers

19

Corporate Action

Continuous Public Offering Bonds II Bank OCBC NISP Phase IYear 2016• To diversify funding, Bank OCBC NISP raised Rp 2.0 trillion

through the Continuous Public Offering Bonds II Bank OCBC NISP

Phase I Year 2016. The bonds issued in 3 series, namely:

– Series A for a term 370 days in the amount Rp 837 billion

with a 7.50% interest rate,

– Series B for a term 2 years in the amount Rp 380 billion

with a 8.00% interest rate,

– Series C for a term 3 years in the amount Rp 783 billion with a

8.25% interest rate.

• The proceeds has been used entirely for loans expansion.

20

Corporate Social Responsibility

• Bank OCBC NISP conducts “Education & Screening Thalassaemia” to

prevent spreading of Thalassaemia disease in several cities in

Indonesia (Batam, Denpasar, Makassar, Pekanbaru, Pontianak,

Surakarta and Surabaya), themed “Kenali – Cegah dan Putus

Thalassaemia”.

• In celebrating International Environment day, on 5 June 2016, sixty

volunteers from Bank OCBC NISP, OCBC Singapore and Bank of

Singapore, conducted a collaboration of CSR Environment activities,

themed “Save Earth For Better Future”, such as:

- Planting 2000 damar trees in Jayagiri Village;

- Renovation Kindergarten school ( PAUD );

- Build water sanitation piping 2 km for 10,000 persons;

- Sharing book and toys and sharing happiness with kindergarten kids in

Jayagiri Village.

• Bank OCBC NISP held Staple Food (nine basic staple food) Distribution

carrying the Theme: “Clean Our Hearts, Offer Thanksgiving, Win the

Intrinsic Victory”. Distribution of free packages of staple food is targeted

at the disadvantaged such as orphans, the poor, widows and mosque

attendants, while cheap packages of staple food are for the residents

living around the office’s neighborhood. This distribution of staple food is

held simultaneously in 6 cities, namely Jakarta (OCBC NISP Tower and

Gunung Sahari), Bandung, Surabaya, Makassar, Medan and

Palembang.

21

Corporate Social Responsibility (Cont’d)

• Bank OCBC NISP with Sharia Business Unit conduct : “Mudik Asyik

2016”. On 28 June 2016, Mudik Asyik bring 132 people around Jakarta

office, with 3 buses to central Java and subsequently, on 30 June 2016,

Mudik Asyik bring 54 people around Bandung offices, with 1 Bus to

central Java.

• Socialisation of Financial Literation Program in 15 Branch Offices, as part

of Participation in “Gerakan Inklusi Keuangan Nasional” as conducted

by OJK.

22

Accolades 2016

.

Jakarta Provincial Government in January 2016

Private Company that conduct

Corporate Social Responsibility

(CSR) according to the program

target

SWA Magazine, Ipsos and Dunamis Organization Services in May 2016

Parwati Surjaudaja as The 1st

Rank of The Best CEO 2016

La Tofi School of CSR in May 2016

Indonesia Green Award 2016, for the CSR Program - Environment

and Safe water resources for Human life

Infobank Service Excellence Award, in

June 20162nd Best ATM Public

Area – Commercial Bank

Infobank Service Excellence Award in June

20161st Best ATM Islamic

Business Unit

League of American Communications

Professionals in July 2016Silver Award - 2015 Vision

Awards Annual Reports

Competition

ABF Wholesale Banking Awards – by Asian Banking & Finance Magazine in July 2016

- Indonesia Foreign Exchange Bank of The Year

- Indonesia Domestic Technology and Operations Bank of The

Year

23

Accolades 2016 (Cont’d)

.

ABF Retail Banking Awards– by Asian Banking & Finance Magazine in July 2016

- SME Bank of The Year – Indonesia

- Mobile Banking of The Year – Indonesia

- Website of The Year - Indonesia

Indonesia Country Awards Programme 2016 by The Asian Banker

in July 2016- Wealth Management of The Year

- Best CRM Project

August Infobank AwardTitanium Trophy for Financial Performance

”Best of The Best” 2000 – 2015 Infobank

Awards

Infobank Magazine, Jakarta

August Indonesia Banking AwardIndonesia Banking Award 2016

The Best Sharia Business Unit

Tempo Magazine, Jakarta

Indonesia Banking Award 2016The Best Bank in Retail Banking Services

(Asset 50 - 100 Trillion)

Tempo Magazine, Jakarta

24

Accolades 2016 (Cont’d)

Indonesian Institute for CorporateDirectorship (IICD) in November 2016

Top 50 Public Listed Companies

Indonesian Institute for Corporate Directorship (IICD) in November 2016The Best Responsibilities of The Board

Indonesia Best Banking Brand Award 2016 –Warta Ekonomi, December 2016

Best Banking Brand 2016 for Most Reliable Title in the

category of Foreign Exchange Public Company Bank

Corporate Governance Perception Index 2015 Award – The Indonesian Institute of Corporate Governance, December 2016

Most Trusted Company

2525

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.

• Provide capital support

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

• Broaden individual banking propositions including expandingaffluent segments – both conventional and Islamic

• Enhance Op & IT governance as well as information technologyimplementation, while improving operational excellence

• Speedy remittances between Singapore and Indonesia aside fromLink-up ATM in Singapore and Indonesia.

Supports from Controlling Shareholder

2626




• Appendix

Agenda

2727

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.

2828

• Fourth oldest bank in Indonesia was incorporated in 1941.

• Listed its shares on Indonesia Stock Exchange in 1994.

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

NISP Tbk by the end of December 2008.

• 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.

• For over 75 years, the Bank has survived through any Indonesia economic crisis.

• The Indonesia’s eighth largest private bank by the end of September 2016.

• Currently employs 6,796 dedicated staffs to serve customers in 61 cities across Indonesia

throughout 340 offices and 763 ATMs.

• Focus on serving the segment of SME and Retail.

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

Fact of OCBC NISP

29

Board of Commissioners as of 31 December 2016Pramukti 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 (Independent Commissioner)– 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, from1995-2006Hardi 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)

30

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 31 December 2016

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 (Independent 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)

31

Board of Directors as of 31 December 2016 (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.

3232

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]

pt bank ocbc nisp tbk financial performance – full year 2016 · pt bank ocbc nisp tbk financial...

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