^Commonwe… · BETTER STRONGER FASTER Ikhtisar Bisnis Operasi dan Teknologi Informasi Sekilas...

To excel at securing and enhancing the financial wellbeing of people, businesses and communities

Menjadi yang terbaikdalam memberikandukungan finansialbagi perorangan,pelaku usaha dan masyarakat luas

BETTERSTRONGERFASTER

Ikhtisar Bisnis

Operasi dan Teknologi

Informasi

Sekilas Keuangan

Sumber Daya Manusia

Business Highlights

Operations and Information

Technology

Financial Review

Human Resources

40

48

52

60

Sekilas Perusahaan

Struktur Pemegang Saham

Peristiwa Penting

Company in Brief

Shareholders’ Structure

Event Highlights

04

11

12

04

40

Profil Perusahaan

Company Profile

Analisis & Pembahasan Manajemen

Management Discussion and Analysis

Ikhtisar Keuangan Financial Highlights14

14Ikhtisar Keuangan

FInancial Highlights

Tanggung Jawab Sosial

Perusahaan

Corporate Social

Responsibility

70

70Tanggung Jawab Sosial Perusahaan

Corporate Social Responsibility

Manajemen Risiko

Risiko Kredit

Risiko Pasar

Risiko Operasional

Risiko Likuiditas

Risk Management

Credit Risk

Market Risk

Operational Risk

Liquidity Risk

84

92

164

167

170

Risiko Hukum

Risiko Stratejik

Risiko Kepatuhan

Risiko Reputasi

Legal Risk

Strategic Risk

Compliance Risk

Reputational Risk

188

189

190

193

Manajemen Resiko

Risk Management

84

Table of Content

Sambutan Presiden

Komisaris

Biografi Dewan Komisaris

Message from President

Commissioner

Commissioner’s Biographies

16

20

Sambutan Presiden

Direktur

Biografi Direksi

Struktur Organisasi

Message from

President Director

Director’s Biographies

Organizational Structure

26

30

38

16 26Sambutan Presiden Komisaris

Message from President Commissioner

Tata Kelola Perusahaan Good Corporate Governance76

76Tata Kelola Perusahaan

Good Corporate Governance

Laporan Keuangan

Catatan atas Laporan

Keuangan

Financial Statements

Notes to the Financial

Statements

196

Lampiran/

Schedule

196Laporan Keuangan

Financial Statements

Sambutan Presiden Direktur

Message from President Director

Daftar Produk

Kantor Pusat dan

Daftar Cabang

Pejabat Eksekutif

List of Products

Head Office and List of

Branches

List of Executives

356

358

362

356Data Perusahaan

Corporate Data

Commonwealth Bank mengembangkan fokus usahanya pada layanan Wealth Management, Perbankan UKM, Perbankan Ritel dan Perbankan Komersial.

Commonwealth Bank focuses on four business areas which are Wealth Management Services, SME Banking, Retail Banking and Commercial Banking.

PT. Commonwealth BankAnnual Report 20134

SEKILASPERUSAHAANCOMPANY IN BRIEF

PT Bank Commonwealth (selanjutnya disebut

sebagai Commonwealth Bank) merupakan anak

perusahaan Commonwealth Bank of Australia,

penyedia jasa keuangan terpadu terbesar

di Australia.

Kehadiran Commonwealth Bank merupakan bagian

dari strategi jangka panjang Commonwealth Bank

of Australia untuk mengembangkan bisnisnya di

Asia Pasifik. Di Indonesia, hal ini ditandai dengan

dibukanya kantor perwakilan Commonwealth Bank

of Australia pada tahun 1990.

Pada tahun 1997 Commonwealth Bank of

Australia membentuk perusahaan patungan untuk

menyediakan layanan perbankan korporat bagi

entitas bisnis Indonesia. Di tahun 2000, perusahaan

tersebut menjadi Commonwealth Bank, dengan

Commonwealth Bank of Australia sebagai

pemegang saham utama.

Sebagai bagian dari rencana pengembangan

pasar Usaha Kecil Menengah (UKM), di tahun

2007 Commonwealth Bank mengakuisisi saham

Bank Artha Niaga Kencana (ANK) yang berbasis

di Surabaya dengan penguasaan pasar yang

dominan di wilayah Jawa Timur dan kemudian ANK

digabungkan ke dalam Commonwealth Bank. Selain

memperluas jaringan Bank di di Indonesia Bagian

Timur, akuisisi ini membantu Commonwealth Bank

memperkuat bisnis di sektor UKM.

LAYANAN PERBANKAN YANG LENGKAP MELALUI STRATEGI EMPAT PILAR

Commonwealth Bank senantiasa fokus pada

penyediaan layanan perbankan yang lengkap.

Dengan posisinya sebagai penyedia layanan

(i) Wealth Management terkemuka, Bank juga

mengembangkan fokus usahanya pada layanan (ii)

Perbankan UKM, (iii) Perbankan Ritel yang ditujukan

pada segmen kelas menengah, dan (iv) Perbankan

Komersial. Fokus pada ke empat area bisnis ini

PT Bank Commonwealth (hereinafter referred to

as Commonwealth Bank) is a subsidiary of the

Commonwealth Bank of Australia, the largest

integrated financial services provider in Australia.

The development of Commonwealth Bank is part

of Commonwealth Bank of Australia’s long term

strategy to expand its business in Asia Pacific.

In Indonesia, this began with the opening of the

Commonwealth Bank of Australia’s representative

office in 1990.

In 1997 the Commonwealth Bank of Australia

established a joint venture company to provide

corporate banking services to Indonesian business

entities. In 2000, the joint venture company became

Commonwealth Bank, with the Commonwealth

Bank of Australia as its majority shareholder.

In 2007, as part of an expansion plan and to develop

the Small and Medium Enterprise (SME) market,

Commonwealth Bank acquired the Surabaya-

based Bank Artha Niaga Kencana (ANK), which

had a strong presence in the East Java region, and

subsequently merged ANK into Commonwealth

Bank. In addition to establishing a broader reach

across Indonesia’s Eastern Region, the acquisition

strengthened the Bank’s SME business.

COMPREHENSIVE BANKING THROUGH THE FOUR-PILLAR STRATEGY

Commonwealth Bank has continued to focus on

providing a full range of banking services. The Bank

is well positioned as a leading provider of (i) Wealth

Management Services, and has also widened its

business focus to include (ii) SME Banking, (iii) Retail

Banking for the middle class, and (iv) Commercial

Banking. The focus on these four business areas is

embodied in the Bank’s four-pillar business strategy,

Commonwealth BankAnnual Report 2013 5

tercakup dalam strategi bisnis empat pilar Bank

yang diluncurkan pada tahun 2010, dan sejak saat

itu telah menjadi faktor utama yang mendorong

pertumbuhan Bank yang konsisten

dan berkelanjutan.

Commonwealth Bank menawarkan produk dan

layanan Perbankan Ritel yang lengkap, meliputi

produk-produk simpanan dan pinjaman, reksadana,

serta bancassurance, yang ditujukan bagi empat

kelompok nasabah yaitu kalangan kelas menengah

Indonesia yang sedang bertumbuh pesat,

segmen high net-worth individuals, UKM dan

nasabah korporasi.

Melayani nasabah melalui 91 cabang di 32

kota besar di Indonesia, Commonwealth Bank

berkomitmen memperluas jaringan distribusinya agar

dapat melayani tumbuhnya basis nasabah Bank

sejak beberapa tahun terakhir, yang diperkirakan

akan terus berlanjut di masa mendatang.

Commonwealth Bank terus meningkatkan

kehadirannya guna menjangkau segmen kelas

menengah di Indonesia, dan pada saat yang

sama terus menyempurnakan fasilitas dan layanan

bernilai-tambahnya, seperti jaringan ATM bebas

biaya yang luas serta layanan Internet Banking bagi

nasabah perorangan maupun korporasi.

Commonwealth Bank mengoperasikan lebih

dari 141 ATM yang akan terus berkembang.

Selain terkoneksi dengan jaringan ATM global

Commonwealth Bank of Australia, layanan ATM

Commonwealth Bank juga terhubung dengan

jaringan-jaringan ATM terluas di Indonesia,

termasuk ATM Bersama dan PRIMA/BCA yang

langsung menawarkan akses ke lebih dari 70.000

ATM di seluruh wilayah Indonesia.

Commonwealth Bank juga menawarkan kemudahan

berbelanja melalui kerja sama dengan jaringan

Debet PRIMA/BCA dan Maestro, yang

memungkinkan kartu ATM Commonwealth Bank

untuk digunakan sebagai kartu debet di lebih dari

250.000 outlet penjual di Indonesia. Kartu ATM

Commonwealth Bank didesain sesuai dengan selera

segmen pasar kelas menengah.

Commonwealth Bank juga menawarkan layanan

perbankan yang nyaman, andal, mudah terjangkau

melalui Internet Banking dan Mobile Banking.

Aplikasi Mobile Banking Commonwealth Bank

merupakan aplikasi pertama di Indonesia dengan

fitur investasi, yang memudahkan nasabah membeli

reksadana dan menempatkan deposito kapan pun

dan di mana pun.

which was adopted in 2010, and has since been

the key factor behind the consistent and continuous

growth of the Bank.

Commonwealth Bank offers comprehensive Retail

Banking products and services, which include

deposit and lending products, mutual funds, as

well as bancassurance products, targeted at four

customer or business groups. These are Indonesia’s

rapidly growing middle class, high net-worth

individuals, SME businesses and corporations.

Serving customers through 91 branches in 32 major

cities in Indonesia today, Commonwealth Bank is

committed to expand its distribution network to

cater to a customer base that has grown steadily

over the past few years and that is expected to

grow even more. Commonwealth Bank continues

to expand its presence to reach the middle class

segment in Indonesia, while also improving the

Bank’s facilities and value-added services to its

customers, such as an extensive ATM network that

is free-of-charge as well as personal and corporate

Internet Banking services.

Commonwealth Bank operates more than 141

ATMs with more planned in the future. In addition to

being linked to Commonwealth Bank of Australia’s

global ATM network, Commonwealth Bank is

linked with the largest ATM networks in Indonesia,

including ATM Bersama and PRIMA/BCA, instantly

providing access to more than 70,000 ATMs

across Indonesia.

Commonwealth Bank also offers the convenience

of shopping through the PRIMA/BCA and Maestro

Debit network, enabling Commonwealth Bank’s

ATM cards to be used as a debit card at more than

250,000 merchants in Indonesia. Our ATM cards

are designed to appeal more to the middle class

market segment.

In addition, Commonwealth Bank provides

customers with convenient, reliable and easy

access banking through Internet Banking and Mobile

Banking. The Commonwealth Bank Mobile Banking

application was the first in Indonesia to include

investment features, enabling customers

to buy mutual funds and place deposits anytime

from anywhere.

Commonwealth BankAnnual Report 20136

Sekilas PerusahaanCompany in Brief

PELAYANAN PRIMA

Dengan tujuan Bank menjadi penyedia layanan

keuangan terbaik di Indonesia melalui customer

service excellence, selama dua tahun berturut-turut

Commonwealth Bank berhasil meraih penghargaan

Service Quality Award 2013 dengan kategori

Emas untuk Service Quality dari Carre CCSL dan

majalah Service Excellence. Penghargaan tersebut

merupakan apresiasi atas service excellence

berdasarkan penilaian nasabah terhadap kualitas

dan nilai pelayanan Bank.

Sebagai pengakuan terhadap service excellence

yang diberikan oleh Bank, di tahun 2013 Bank telah

meraih penghargaan Trailblazer Awards 2013 untuk

Process Excellence in Loan Origination at Banking

& Payments dari VRL, institusi analis keuangan dan

konsultan yang berbasis di Inggris.

Bank juga memperoleh penghargaan Straight

Through Processing Award 2013 – Excellent Quality

dari Commerzbank AG untuk excellence in the

delivery of payments & transfers process, serta

penghargaan Straight Through Processing Award

dari Bank of New York Mellon.

KOKOH DAN PERCAYA DIRI

Pada tahun 2010 Fitch Ratings memberikan

peringkat “National Long-term AAA with

a Stable Outlook” kepada Commonwealth Bank,

yang berhasil terus dipertahankan sampai sekarang.

SERVICE EXCELLENCE

Aiming to be the finest financial services organization

in Indonesia through excelling in customer service,

Commonwealth Bank has been awarded for two

consecutive years with the Service Quality Award

2013 in the Gold Category for Service Quality from

Carre CCSL and Service Excellence magazine.

The award recognizes service excellence from the

perspective of “perceived quality and perceived

value” from the customers.

As further testimony to the Bank’s service

excellence, in 2013 the Bank received the Asia

Trailblazer Awards 2013 for Process Excellence in

Loan Origination at Banking & Payments from VRL,

a UK-based financial analyst and consultant.

The Bank has also earned the Straight Through

Processing Award 2013– Excellent Quality from

Commerzbank AG for excellence in the delivery

of payments & transfers process and the

Straight Through Processing Award from Bank of

New York Mellon.

STRONG AND CONFIDENT

In 2010, Fitch Ratings assigned Commonwealth

Bank a national long-term rating of ‘AAA’ with

a Stable Outlook, which successfully maintained

until now.


Pencapaian tersebut dipertegas dengan penerbitan

peringkat AAA(idn) dengan Stable Outlook oleh

Fitch Ratings pada bulan Oktober 2013. Peringkat

tersebut merupakan pencapaian penting bagi

bisnis Bank serta bukti dukungan penuh dari

Commonwealth Bank of Australia dan makin

tumbuhnya nilai strategis Commonwealth Bank bagi

Commonwealth Bank of Australia. Dengan peringkat

tersebut, Commonwealth Bank dapat menerbitkan

instrumen hutang lokal untuk pendanaan bagi

pertumbuhan ke depan.

TENTANG COMMONWEALTH BANK OF AUSTRALIA

Commonwealth Bank of Australia merupakan

penyedia layanan keuangan terpadu terbesar di

Australia termasuk retail banking, premium banking,

business banking, institutional banking,

pengelolaan dana, pensiun, asuransi, investasi serta

produk dan layanan pialang efek.

Commonwealth Bank of Australia merupakan

salah satu kelompok usaha terbesar yang terdaftar

di Australian Stock Exchange dan masuk dalam

Morgan Stanley Capital Global Index.

Commonwealth Bank of Australia memiliki kehadiran

yang kuat di Australia dengan basis nasabah

terbesar dibandingkan bank-bank Australia lainnya,

serta jaringan distribusi layanan keuangan terbesar

di Australia.

Commonwealth Bank of Australia menyediakan

layanan perbankan yang lengkap ,termasuk

KPR, kartu kredit, Kredit Tanpa Anggunan (KTA),

serta giro dan deposito di bawah payung brand

Commonwealth Bank of Australia dan Bankwest.

Commonwealth Bank of Australia berhasil

menguasai pangsa pasar domestik terbesar untuk

KPR, KTA, deposito ritel dan discount stockbroking,

serta merupakan salah satu penerbit kartu kredit

terbesar di Australia. Commonwealth Bank of

Australia juga menawarkan produk-produk

komersial yang lengkap, termasuk pinjaman usaha,

pembiayaan peralatan dan perdagangan serta

produk-produk perbankan untuk kawasan pedesaan

dan sektor agribisnis.

Commonwealth Bank of Australia melayani nasabah

korporasi, organisasi pemerintah dan institusi

lainnya yang beroperasi di Australasia. Nasabah

korporasi dapat mengakses layanan-layanan pasar

keuangan, securities underwriting, perdagangan dan

distribusi, keuangan korporat, ekuitas, serta layanan

This rating was further reaffirmed when Fitch Ratings

again gave a rating of AAA(idn) with a Stable Outlook

in October 2013. The affirmation of the national

long-term rating reflects a significant milestone of

the Bank’s business and showed the strong

parental support from Commonwealth Bank

of Australia, as well as the growing strategic

importance of Commonwealth Bank to

Commonwealth Bank of Australia. Such a rating

enables Commonwealth Bank to issue local debt

instruments to fund future growth.

ABOUT OUR PARENT COMPANY: COMMONWEALTH BANK OF AUSTRALIA

The Commonwealth Bank of Australia is Australia’s

leading provider of integrated financial services

including retail banking, premium banking, business

banking, institutional banking, funds management,

superannuation, insurance, investment and

stockbroking products and services.

Commonwealth Bank of Australia is one of the

largest listed companies on the Australian Securities

Exchange and is included in the Morgan Stanley

Capital Global Index.

In terms of scale, Commonwealth Bank of Australia

has a strong presence in Australia with the largest

customer base of any Australian bank and operates

the largest financial services distribution network in

the country with the most points of access.

The Commonwealth Bank of Australia provides a

full range of retail banking services including home

loans, credit cards, personal loans, transaction

accounts, and demand and term deposits

through its Commonwealth Bank of Australia and

Bankwest brands. The Bank has leading domestic

market shares in home loans, personal loans,

retail deposits and discount stockbroking, and is

one of Australia’s largest credit card issuers. The

Commonwealth Bank of Australia also offers a full

range of commercial products including business

loans, equipment and trade finance, and rural and

agribusiness products.

The Commonwealth Bank of Australia serves

corporations, government entities and other major

institutions operating in Australasia. Corporate

customers have access to financial markets

services, securities underwriting, trading and

distribution, corporate finance, equities, payments



pembayaran dan transaksi, manajemen investasi

dan layanan kustodian.

Commonwealth Bank of Australia telah

mengembangkan kehadirannya di pasar

internasional melalui:

• BankriteldiSelandiaBaru(ASBBank)dan

Indonesia (PT Bank Commonwealth)

• InvestasiperbankandiCina(kepemilikan20%

saham di Qilu Bank dan Bank of Hangzhou)

danVietnam(kepemilikan20%diVietnam

International Bank)

• UsahadibidangasuransijiwadiSelandiaBaru

(Sovereign), Indonesia (Commonwealth Life),

dan usaha patungan di Cina (BoCommLife)

• Cabang-cabangperbankandikotaLondon,

New York, Tokyo, Hong Kong, Shanghai,

Beijing, Singapura, Auckland, Ho Chi Minh City

dan Mumbai

• Kantor-kantorperwakilandiBeijingdanHanoi.

Dengan reputasi yang solid dan landasan

keuangan yang kokoh, Commonwealth Bank of

Australia percaya Commonwealth Bank dapat

memainkan peran yang signifikan di masa-masa

mendatang, serta membawa pengaruh positif bagi

perkembangan sektor perbankan Indonesia.

and transaction services, investment management

and custody services.

The Commonwealth Bank of Australia has a growing

international presence through:

• RetailbanksinNewZealand(ASB)and

Indonesia (PT Bank Commonwealth)

• BankinginvestmentsinChina(20percent

in both Qilu Bank and Bank of Hangzhou)

and Vietnam, (20 per cent stake in Vietnam

International Bank)

• LifeinsuranceoperationsinNewZealand

(Sovereign), Indonesia (Commonwealth Life)

and a joint venture in China (BoCommLife)

• BankingbranchesinLondon,NewYork,Tokyo,

Hong Kong, Shanghai, Beijing, Singapore,

Auckland, Ho Chi Minh City and Mumbai

• RepresentativeofficesinBeijingandHanoi.

With its strong reputation and solid financial

foundation, Commonwealth Bank of Australia looks

forward to seeing Commonwealth Bank play

a significant role in Indonesia’s future, bringing

a positive influence to the development of the

Indonesian banking sector.

The Commonwealth Bank of Australia is Australia’s leading provider of integrated financial services

Commonwealth Bank of Australia merupakan penyedia layanan keuangan terpadu terbesar di Australia



ANAK PERUSAHAAN:COMMONWEALTH SECURITIES

Pada tanggal 23 Desember 2008, Commonwealth

Bank mendirikan PT Commonwealth Securities,

suatu perusahaan efek dan perantara pedagang

efek. Bank Indonesia telah menyetujui penyertaan

saham di PT Commonwealth Securities tanggal

9 Mei 2009.

PT Commonwealth Securities kemudian memperoleh

ijin operasi dari Badan Pengawas Pasar Modal dan

Lembaga Keuangan (“Bapepam-LK”) (sekarang

Otoritas Jasa Keuangan), melalui surat No. KEP-01/

BL/PPE/2009 tanggal 27 Oktober 2009.

Pada tahun 2012, PT Commonwealth Life dan

Commonwealth Bank, selaku pemegang saham

pengendali PT Commonwealth Securities,

memutuskan untuk mengembalikan ijin usaha

sebagai perusahaan efek dan perantara pedagang

efek kepada Bapepam-LK (sekarang Otoritas Jasa

Keuangan). Bapepam-LK, memberikan persetujuan

“Pencabutan ijin usaha perusahaan efek sebagai

perantara pedagang efek” pada tanggal

6 Agustus 2012.

Pada tanggal 8 Oktober 2013, para pemegang

saham PT Commonwealth Securities mengambil

keputusan untuk membubarkan dan melikuidasi

perusahaan dan menunjuk Bastaman Enrico Bagus

– Attorney at Law sebagai Likuidator. Keputusan

ini dituangkan dalam Akta Pernyataan Keputusan

Rapat No. 69 tertanggal 11 Oktober 2013 yang

dibuat dihadapan Notaris Sugito Tedjamulja, S.H.

Selanjutnya, pada tanggal 24 Januari 2014, PT

Commonwealth Securities telah mengajukan

permohonan pencabutan NPWP (Nomor Pokok

Wajib Pajak). Sampai dengan diterbitkannya laporan

tahunan ini, proses likuidasi masih berlangsung.

Likuidasi Anak Perusahaan tidak mempunyai

dampak yang signifikan terhadap laporan keuangan

konsolidasian Commonwealth Bank pada dan untuk

tahun yang berakhir 31 Desember 2013 dan 2012.

SUBSIDIARY: COMMONWEALTH SECURITIES

On 23 December 2009, Commonwealth Bank

established PT Commonwealth Securities,

a securities and stockbroker company.

Bank Indonesia gave the approval for investment in

in PT Commonwealth Securities on 9 May 2009.

PT Commonwealth Securities then obtained an

operational license from the Capital Market and

Financial Institution Supervisory Agency (Bapepam-

LK) through its letter No. KEP-01/BL/PPE/2009

dated 27 October 2009.

In 2012, PT Commonwealth Life and

Commonwealth Bank, as the controlling shareholder

of PT Commonwealth Securities, decided to return

the Company’s license as a securities company

and stock-broker to Capital Market and Financial

Institution Supervisory Board (“Bapepam-LK”),

and received approval “Revocation of operating

license as securities company and as a stock-

broker” on 6 August 2012.

On 8 October 2013, PT Commonwealth Securities’

shareholders decided to dissolve and liquidate the

Company, and appointed Bastaman Enrico Bagus

Attorney at Law as PT Commonwealth Securities’

liquidator. This decision is stated in the Deeds of

Resolution No.69 dated 11 October 2013 of Notary

Sugito Tedjamulja, S.H.

Further, on 24 January 2014, PT Commonwealth

Securities has submitted the application for tax

registration number (NPWP) revocation. Up to the

date of this consolidated financial statements, the

liquidation process is still going on.

The Subsidiary’s liquidation does not significantly

impact the Commonwealth Bank’s consolidated

financial statements as at and for the year ended

31 December 2013 and 2012.


STRUKTURPEMEGANG

SAHAMSHAREHOLDER’S STRUCTURE


PERISTIWAPENTINGEVENT HIGHLIGHTS 2013

JANUARY

25 Speaker at Marcus Evans Annual Conference26 Movie Screening with Australian Embassy31 Launch of USD Direct Settlement Service with Bank BCA

FEBRUARY

14 Belajar Investasi Session - Valentine’s Edition28 Speaker at Asian Financial Services Congress 2013

APRIL

12 Launch of Welcome Call Service Program20 CSR Program to Sekolah Bisa for Facility Development 23 Speaker at ACT Trade Delegation with Australian Capital

3 Placed 7th in the 10 Best Banks in Customer Service Excellence in Indonesia

by Banking Service Excellence

Monitoring (BSEM)

17 Received a Service Quality Award 2013 with ‘Gold Category’ from Carre-CCSL (Service

Excellence magazine)

20 New Zealand - Indonesia Business Forum in collaboration with ASB Bank

27 Blood Donation Day

MAY

JUNE

12 Launch of USD Direct Settlement Service with Bank Mandiri

MARCH

7 Belajar Investasi Session - Collaboration with Female Daily Community

14 Hand Over Ceremony “Dana Peduli Banjir” CommCare for Staff

15 Received “Process Excellence in Loan Origination” Award at Banking & Payments Asia

Trailblazer Award 2013 from VRL

16 “Build Home Project” with Habitat for Humanity

22-24 “CommBank Goes to School” with SDN 05 Karet


JULY

23 Breakfasting Program with Puspita Foundation

AUGUST

3 “Geber Yatimers” (Ramadhan Charity Program) with Berkah Community and Market + Magazine

DECEMBER

13 Christmas & Year End Celebration 201318-19 CommBank’s Charity Bazaar

NOVEMBER

8 Received The Bali Customer Satisfaction Award 2013 for Bali Branch

25 CSR Program Mo(ustache) Party Fundraiser 28 Launch of Batavia Dana Saham Optimal (BDSO) Mutual

Fund Product

30 Sharing is Caring Christmas Visit to Bersinar Orphanage House

SEPTEMBER

10 “Straight Through Processing Award – Excellent Quality” from Commerzbank AG

12 Signing Agreement with Alam Sutera for Housing Loan Service

1,8 & 15 “Shave for Hope” with Yayasan Pita Kuning Anak Indonesia

OCTOBER

6 Financial Literacy Education at Indonesia Financial Expo & Forum (IFEF)

12 “Build Home Project” w ith Habitat for Humanity15 Qurban charity for Eid Adha with Karya Inti Teladan and

Fatahillah Foundations

21 Rated AAA with Stable Outlook from Fitch Ratings24 Launch of IDR Vostro Agency Service25 Blood Donation Day


NERACA / BALANCE SHEET 2009 2010 2011 2012 2013

Total Aktiva / Total Assets 11,350,753 11,543,836 15,148,632 14,381,018 20,582,092

Aktiva Produktif / Total Earning Assets 10,159,359 9,975,520 13,033,813 12,473,405 18,319,100

Total Kredit / Total Loans 4,766,246 5,872,005 9,817,858 9,970,741 13,482,112

Surat-Surat Berharga / Marketable Securities 3,311,834 2,159,186 1,378,579 811,039 753,778

Dana Pihak Ketiga / Third Party Funds 10,101,848 9,786,348 12,194,756 11,353,898 14,228,759

Giro / Current Accounts 643,771 785,144 968,714 1,095,408 1,641,864

Tabungan / Savings 3,930,349 5,037,997 6,040,477 6,465,736 5,898,867

Simpanan Berjangka / Term Deposits 5,527,728 3,963,207 5,184,362 3,815,369 6,688,028

Pinjaman Yang Diterima / Borrowings 82,355 374,517 745,242 660,964 577,227

Modal Saham 982,078 1,238,099 1,947,987 2,045,773 4,252,449

LAPORAN LABA RUGI / INCOME STATEMENT 2009 2010 2011 2012 2013

Pendapatan Bunga Bersih / Net Interest Income 428,352 502,928 673,155 831,246 914,428

Pendapatan Operasional Lainnya /

Other Operational Income 285,126 275,679 348,690 389,868 495,532

Biaya Operasional Lainnya / Other Operational Expenses (589,611) (726,365) (874,827) (984,370) (1,079,971)

Biaya Penyisihan Kerugian Aktiva Produktif / Provision For

Losses On Earning Assets (79,635) (65,500) (83,961) (77,924) (38,494)

Laba Operasional Bersih / Net Operating Income 44,232 (13,258) 63,057 158,820 291,495

Laba Sebelum Beban Pajak Penghasilan Badan / Income

Before Corporate Income Tax Expense 37,997 19,338 54,777 137,143 292,470

Laba Bersih Konsolidasian / Consolidated Net Income 7,841 2,708 31,208 91,628 205,559

Laba Bersih Perusahaan / Net Income 6,645 3,462 30,289 91,017 205,881

(dalam jutaan Rupiah / in million Rupiah)


IKHTISARKEUANGAN

RASIO KEUANGAN / FINANCIAL RATIOS 2009 2010 2011 2012 2013

Rasio Laba Sebelum Pajak terhadap Rata-rata Total Aset / Return on

Average Assets 0.39% 0.08% 0.36% 0.88% 1.65%

Rasio Laba Setelah Pajak terhadap Rata-rata Ekuitas / Return on

Average Equity0.77% 0.38% 2.34% 5.16% 6.28%

Marjin Pendapatan Bunga Bersih / Net Interest Margin 4.24% 4.85% 5.48% 5.27% 4.85%

Rasio Kecukupan Modal / Capital Adequacy Ratio (CAR) 16.32% 14.95% 15.52% 16.17% 25.78%

Rasio Kredit terhadap Dana Pihak Ketiga / Loan to Deposit Ratio (LDR) 46.76% 59.44% 80.10% 87.57% 93.61%

Rasio Gross Non Performing Loan / Gross Non Performing Loan Ratio 1.91% 1.45% 0.81% 0.84% 0.72%

Rasio Net Non Performing Loan / Net Non Performing Loan Ratio 1.40% 0.77% 0.50% 0.49% 0.50%

Biaya Pendanaan / Cost of Funds 5.3% 3.2% 3.2% 3.02% 2.69%

Biaya Operasional terhadap Pendapatan Operasional (BOPO) /

Cost to Income Ratio98.97% 101.32% 97.67% 90.54% 80.80%

Aset Produktif Bermasalah dan Aset Non Produktif Bermasalah

terhadap Total Aset Produktif dan Aset Non Produktif / Non Performing

Productive Assets and Non Performing Non Productive Assets to Total

Assets and Non Productive Assets

0.89% 0.86% 0.60% 0.60% 0.46%

Aset Produktif Bermasalah terhadap Total Aset Produktif / Non

Performing Productive Assets to Total Productive Assets0.89% 0.87% 0.60% 0.67% 0.53%

CKPN Aset Keuangan terhadap Aset Produktif / Financial Assets

Impairment to Productive AssetsNil 0.55% 0.56% 0.57% 0.29%

GWM Utama Rupiah / Minimum Reserve Requirement Rupiah Primary 5.07% 8.32% 8.21% 8.08% 8.05%

GWM Valuta Asing / Minimum Reserve Requirement Foreign Currency 1.00% 1.00% 8.01% 8.00% 8.00%

Posisi Devisa Netto Secara Keseluruhan / Overall Net Open

Position (NOP)0.81% 0.99% 0.81% 2.54% 0.87%

INDIKATOR KEUANGAN LAINNYA / OTHER KEY INDICATOR

2009 2010 2011 2012 2013

Jumlah Nasabah (Ritel dan Non-Ritel) / Number of Customers

(Retail and Non-retail) 449,520 645,838 873,602 745,278 584,198

Jumlah Kantor / Number of Branches 74 84 85 91 91

Jumlah Karyawan / Number of FTE 1504 1,792 1,796 2,043 2,129

Kinerja Kualitas Pelayanan Keseluruhan / Service Quality

Overall Performance90.70 93.41 92.57 93.91 94.07

by Jonanda Yattha Saputra

Chief Financial Officer


SAMBUTANPRESIDENKOMISARISMESSAGE FROM PRESIDENT COMMISSIONER

Para Pemegang Saham yang Terhormat,

Dengan gembira saya laporkan bahwa tahun

2013 merupakan tahun yang sangat positif bagi

Commonwealth Bank, dengan pertumbuhan

LabaBersihPerusahaansebesar127%mencapai

Rp 206 milyar di akhir tahun. Kami juga berhasil

meraih pertumbuhan kredit yang signifikan

melampaui tingkat pertumbuhan pasar, serta terus

memperluas basis nasabah Bank.

Pertumbuhan konsisten dan berkelanjutan ini

merupakan keberhasilan eksekusi strategi usaha

empat pilar Bank, dengan fokus kepada: Perbankan

Ritel, Wealth Management, Perbankan UKM

dan Perbankan Komersial. Mulai diperkenalkan

tahun 2010, strategi utama ini merupakan refleksi

pemahaman Commonwealth atas faktor-faktor

pendorong utama ekonomi Indonesia.

Strategi tersebut didasarkan kepada jutaan

generasi muda kelas menengah Indonesia yang

membutuhkan berbagai solusi perbankan,

serta sektor bisnis UKM dan Komersial yang

membutuhkan institusi perbankan yang dapat

membantu mereka meraih target pertumbuhannya.

Di bidang tata kelola, kami terus bekerja keras

membangun praktek tata kelola Bank dan cukup

gembira dengan berbagai upaya yang dilakukan

manajemen dan kerja sama mereka dengan Dewan

Komisaris, serta dukungan penuh dari pihak

regulator. Kami siap membangun hubungan positif

dengan Otoritas Jasa Keuangan (OJK) sebagai

regulator baru untuk sektor layanan keuangan,

Dear Shareholders,

I am pleased to report that the year 2013 was a very

positive one for the Bank, with a record Net Income

growth of 127% to Rp206 billion by year-end.

We also recorded a significant increase in our

lending book, exceeding market growth and at

the same time significantly expanding the Bank’s

customer base.

This consistent and continuous growth was due to

the successful execution of our four-pillar business

strategy, which focuses on : Retail Banking,

Wealth Management, SME Banking and

Commercial Banking. Introduced in 2010, this key

strategy is a reflection of what Commonwealth Bank

sees as the primary growth drivers of the Indonesian

economy. It relates to Indonesia’s millions of young

and upwardly mobile middle class population

requiring a wide range of banking solutions and

the country’s SME & Commercial businesses

seeking banks that can help them achieve their

growth aspirations.

On governance, we continued to work hard to

improve the Bank’s governance practices and are

very pleased with management efforts and their

cooperation with the Board of Commissioners, as

well as with the full support of the regulators. We

look forward to continue our positive relationship

with the Indonesian Financial Services Authority (or

Otorita Jasa Keuangan/OJK) as the new financial


Commonwealth Bank of Australia akan terus memandang Indonesia sebagai salah satu pasar utamanya di kawasan Asia dan berkomitmen melakukan investasi guna menjaga pertumbuhan Bank yang berkelanjutan.

Commonwealth Bank of Australia will continue to view Indonesia as one of its core markets in Asia and is committed to make investments to sustain the long-term growth of this Bank.


serta meyakini bahwa OJK akan tetap melaksanakan

pengawasan yang efektif bagi industri perbankan

di Indonesia.

Kami juga senantiasa melakukan upaya-upaya

penyempurnaan tingkat layanan kami kepada

nasabah. Kami meyakini bahwa dengan selalu

memberi prioritas kepada nasabah, Bank dapat

lebih memahami kebutuhan mereka sehingga dapat

menawarkan produk dan layanan yang sesuai. Dalam

hal ini, kami bekerja keras untuk memanfaatkan

teknologi bagi peningkatan kualitas layanan serta

meningkatkan aksesibilitas dan kenyamanan

produk-produk kami bagi nasabah. Kami juga terus

melakukan investasi di bidang sumber daya

manusia serta berupaya membangun lingkungan

kerja yang positif dengan peluang karir yang

menarik, dimana karyawan dapat tumbuh meraih

potensi terbaiknya.

Commonwealth Bank tetap memandang

Indonesia sebagai pasar penting dengan peluang

pertumbuhan yang menarik, didukung oleh jumlah

penduduk yang besar, kekayaan alam dan lokasinya

yang strategis. Saya percaya bahwa dalam jangka

panjang, peningkatan kesejahteraan Indonesia akan

mendorong permintaan atas produk dan layanan

perbankan yang berkualitas.

Commonwealth Bank of Australia akan terus

memandang Indonesia sebagai salah satu pasar

utamanya di kawasan Asia dan berkomitmen

melakukan investasi guna menjaga pertumbuhan

Bank yang berkelanjutan. Tujuan kami adalah

menjadi institusi perbankan yang kompetitif,

dengan produk dan layanan terbaik bagi nasabah

yang dapat mendukung pertumbuhan bisnis Bank

di Indonesia.

Sebagai penutup, saya sampaikan ucapan terima

kasih kepada seluruh karyawan yang telah dan

selalu berkomitmen memenuhi setiap kebutuhan

nasabah. Dengan didukung oleh value proposition

yang jelas di empat area pemasaran utama,

tim manajemen yang solid serta karyawan yang

berdedikasi, saya meyakini masa depan positif

Commonwealth Bank untuk tumbuh bersama

nasabahnya di Indonesia dan memberikan

sumbangsih berarti bagi perekonomian nasional.

services regulator and are confident that OJK

will maintain effective regulatory oversight over

Indonesia’s banking industry.

We have also invested considerable effort to make

sure that we are excelling in customer service. We

believe by focusing on customers as the first priority,

the Bank can better understand their needs and

offer more viable products and services to them.

In that regard, we are working hard to find ways to

use technology to raise our service level and make

our products more accessible and convenient for

customers. We also continue to invest in our people

and strive to build a positive working environment

with exciting career opportunities, where individuals

can grow to their maximum potential.

The Bank continues to regard Indonesia as

an important market with excellent growth

opportunities, given its vast population, abundant

natural resources and strategic location. I believe

that Indonesia’s growing prosperity will drive

demand for better banking products and services

over the long term.

Commonwealth Bank of Australia will continue to

view Indonesia as one of its core markets in Asia

and is committed to make investments to sustain

the long-term growth of this Bank. Our objective

is to become a competitive banking institution,

which can offer excellent products and services to

our customers in a way that supports the Bank’s

business growth in Indonesia.

In closing, I would like to thank our staff who have

and continue to be committed to looking after the

needs of our customers. With the support of our

clear business value proposition in four key market

areas, strong management team and dedicated

employee, I am confident of Commonwealth Bank’s

positive future to grow

and prosper alongside its customers in Indonesia

and to provide a valuable contribution to the

Indonesian economy.


Sambutan Presiden KomisarisMessage from President Commissioner


Sambutan Presiden KomisarisMessage from President Commissioner

Geoffrey David CoatesPresiden Komisaris

President Commissioner

Guy Martin HardingWakil Presiden Komisaris

Vice President Commissioner


BIOGRAFIDEWAN

KOMISIONERCOMMISSIONER’S BIOGRAPHIES

Khairil AnwarKomisaris Independen

Independent Commissioner

SuwartiniKomisaris Independen



Memulai karir perbankan di Commonwealth Bank of

Australia pada tahun 1975, Geoffrey David Coates

menyelesaikan program MBA di Sydney pada

tahun 1996. Geoffrey telah menjabati beberapa

jabatan eksekutif senior, terutama di perbankan

serta jabatan di bidang wealth management dan life

insurance. Beliau menjabat sebagai Presiden Direksi

PT Commonwealth Life (sebelumnya dikenal

sebagai PT Astra CMG Life) dari 2002 sampai 2004.

Pada tahun 2005, Geoffry menempati posisi

di Sydney sebagai Executive General Manager

Business Development di Commonwealth

Bank of Australia.

Geoffrey punya keahlian dalam bidang perencanaan

strategis, pemasaran serta manajemen bisnis.

Beliau menjabat sebagai Presiden Komisaris

Commonwealth Bank sejak 2010 hingga saat ini.

Starting his banking career at Commonwealth

Bank of Australia in 1975, Geoffrey David Coates

completed his MBA in Sydney in 1996.

Geoffrey has held a number of senior executive

positions in Commonwealth Bank of Australia

primarily in banking together with wealth

management and life insurance roles and was

President Director of PT Commonwealth Life

(formerly PT Astra CMG Life) in Indonesia from 2002

to 2004. In 2005, Geoffrey took up a role based in

Sydney as Executive General Manager Business

Development with Commonwealth Bank of Australia.

Geoffrey has expertise in strategic planning,

marketing and business management and

was appointed President Commissioner of

Commonwealth Bank in 2010.

Geoffrey David CoatesPresiden Komisaris

President Commissioner


Biografi Dewan KomisionerCommissioner’s Biographies

Guy Martin Harding (Guy) adalah seorang spesialis

terkemuka di bidang kredit dan risiko yang memiliki

pengetahuan luas mengenai pasar perbankan di

Eropa dan Australasia. Guy memulai karir di wilayah

Asia pada tahun 2001 ketika mengepalai Divisi

Global Credit and Risk Operation di AMP Bank.

Sebelumnya Guy bekerja di berbagai lembaga

keuangan terkemuka di Inggris, termasuk di

antaranya Midland Bank, Lloyds TSB dan

online bank Prudential.

Guy bergabung dengan Commonwealth Bank of

Australia pada tahun 2003 sebagai General Manager

Group Risk Strategy dan setelah itu menjabat

sebagai Chief Risk Officer Business and Private

Banking. Pada tahun 2012, Guy ditunjuk menjadi

Chief Risk Officer untuk Divisi International Financial

Services, CBA Group.

Guy mendapat gelar Fellow of the Chartered Institute

of Bankers dan MBA in Banking Management dari

University of Exeter, Inggris, pada tahun 1990,

serta berbagai kualifikasi professional lainnya.

Pada bulan Desember 2013, Guy resmi ditunjuk

menjadi Wakil Presiden Komisaris untuk

Commonwealth Bank.

Mr. Guy Harding (Guy) is a well-respected credit

and risk specialist with extensive knowledge of both

European and Australasian banking markets.

Guy initially moved to Asia in 2001 to head AMP

Bank’s global credit and risk operation. Prior to his

move to Asia, Guy worked for a number of leading

UK financial institutions, among them, Midland Bank,

Lloyds TSB and Prudential’s online bank.

Guy joined Commonwealth Bank in 2003 as

General Manager Group Risk Strategy and

subsequently moved into the role of Chief Risk

Officer Business and Private Banking. In 2012 Guy

was appointed as Chief Risk Officer for International

Financial Services Division.

Guy is a Fellow of the Chartered Institute of Bankers

and holds an MBA in Banking Management from

University of Exeter, England in 1990 along with

an array of other professional qualifications.

In December 2013, Guy joined Commonwealth

Bank as Vice President Commissioner.

Wakil Presiden Komisaris

Vice President Commissioner

Guy Martin Harding



Suwartini telah berpengalaman selama lebih dari

20 tahun di bidang perbankan, termasuk lebih dari

12 tahun sebagai Direktur Kepatuhan, Manajemen

Risiko dan SDM. Suwartini meraih gelar MBA di

Business Administration dari Century University

New Mexico. Disamping sektor perbankan,

beliau juga sempat berkarir di suatu organisasi

internasional, United Nations High Commissioner

for Refugees (UNHCR). Saat ini beliau juga aktif

di Asosiasi Perbankan, antara lain di Forum

Komunikasi Direktur Kepatuhan, PERBANAS, ISEI,

Komisi Nasional GCG dan juga menjabat sebagai

Direktur di Lembaga Penelitian Perbankan Indonesia.

Ditunjuk sebagai Komisaris Independen

Commonwealth Bank sejak November 2012.

Suwartini has more than 20 years experience in

banking, including more than 12 years as

Compliance, Risk Management & HR Director.

Suwartini earned her MBA degree from Century

University, New Mexico. In addition to her banking

career, she has also worked in an international

organization, the United Nations High Commission

for Refugees (UNHCR). She is actively involved in

banking associations, such as the Communications

Forum for Compliance Directors, PERBANAS, ISEI,

GCG National Committee, and served as Director

at Indonesian Banking Research Institute.

Appointed as an Independent Commissioner

of Commonwealth Bank Indonesia since

November 2012.

SuwartiniKomisaris Independen




Dengan pengalaman di bidang perbankan selama

lebih dari 30 tahun, Khairil Anwar telah menjabat

berbagai kedudukan penting di Bank Indonesia.

Menyelesaikan gelar Master of Science Management

dari Arthur D. Little Management Institute USA,

Khairil Anwar terus mengembangkan karirnya

di sektor perbankan termasuk hampir 10 tahun

menduduki jabatan Direktur & Direktur Eksekutif

di Bank Indonesia. Jabatan terakhir beliau di Bank

Indonesia adalah Direktur Eksekutif/Koordinator BI

wilayah Kalimantan.

Khairil Anwar menjabat sebagai Komisaris

Independen Commonwealth Bank sejak Mei 2013.

With over 30 years experience in banking sector,

Khairil Anwar has held various executive positions at

Bank Indonesia. Completing his Master of Science

Management degree at Arthur D. Little Management

Institute USA, Khairil Anwar continued to developed

his career in banking including 10 years experience

as Director and Executive Director at Bank

Indonesia. His last position was Executive Director/

Bank Indonesia Coordinator for Kalimantan area.

Khairil Anwar serves as Independent Commissioner

of Commonwealth Bank since May 2013.

Khairil AnwarKomisaris Independen




Kinerja positif tersebut membuktikan keunggulan strategi bisnis Bank untuk memfokuskan pada empat bidang usaha: Perbankan Ritel, Wealth Management, Perbankan UKM dan Perbankan Komersial.

This positive performance clearly demonstrates the soundness of the Bank’s business strategy to focus on four business areas: Retail Banking, Wealth Management, SME Banking and Commercial Banking.


Pemegang Saham yang Terhormat,

Dengan gembira saya laporkan bahwa

Commonwealth Bank menutup tahun 2013 dengan

kinerja yang sangat positif. Laba Bersih Perusahaan

setelahpajaktumbuhsignifikansebesar127%dari

Rp91 miliar menjadi Rp206 miliar di akhir 2013.

Kinerja tersebut diraih di tengah kondisi pasar yang

cukup menantang. Di pertengahan tahun 2013,

kekhawatiran akan kemungkinan pengurangan

stimulus moneter oleh Federal Reserve Amerika

Serikat telah mendorong keluarnya modal asing

dari Indonesia. Selain itu, keputusan Pemerintah

untuk mengurangi subsidi bahan bakar, yang telah

mendorong terjadinya kenaikan inflasi. Faktor-faktor

tersebut, ditambah dengan makin melebarnya defisit

neraca berjalan, telah memberikan tekanan pada

mata uang Rupiah. Bank Indonesia merespons

dengan menaikkan tingkat suku bunganya mencapai

7,5%gunamengendalikanpertumbuhanekonomi

dan menjaga nilai tukar Rupiah, serta meluncurkan

peraturan Loan to Value baru bagi kredit kepemilikan

rumah guna mendorong praktek penyaluran kredit

yang berhati-hati. Akibatnya, industri perbankan

menghadapi perlambatan pertumbuhan kredit,

makin ketatnya likuiditas dan menurunnya tingkat

marjin bunga bersih.

Kinerja positif Commonwealth didukung oleh

pertumbuhankredityangsignifikansebesar35,2%

mencapai Rp13.482 miliar, dengan pertumbuhan

positif di semua segmen pasar utamanya.

Kreditkomersialtumbuhsebesar81,1%,

sedangkan kredit Konsumer dan UKM tumbuh

masing-masingsebesar34,1%dan19,8%.

Pertumbuhan kredit ini didukung dengan

pengelolaan risiko yang berhati-hati, sehingga rasio

kredit bermasalah (bruto) tetap terjaga di level

0,72%.Danapihakketigajugatumbuhsebesar

25%mencapaiRp14.229miliartahun2013,

dimanaprodukCASAmenyumbang52,9%dari

total dana pihak ke tiga.

Dear Shareholders,

I am pleased to report that Commonwealth Bank

ended 2013 with a remarkable performance.

Our Net Income after tax grew strongly

by 127% from Rp91 billion to Rp206 billion

by year end.

This result was delivered amidst a challenging

market environment. In mid-year, concerns over

a possible tapering of the US Federal Reserve’s

monetary stimulus lead to foreign funds leaving the

country. In addition, the Government’s decided to

cut the fuel subsidy, thus pushing up inflation.

All this combined with the widening of the

country’s current account deficit put the Rupiah

under considerable pressure. Bank Indonesia

responded by raising its benchmark rate to 7.5% to

slowdown the economy and shore up the Rupiah,

implementing a new reserves requirement and

introducing a new Loan to Value (LTV) policy for

housing loans to ensure prudential lending.

The end result is a slower loan growth, tighter

liquidity and narrower net interest margins for

the banking industry.

Commonwealth Bank’s positive result was driven

by a significant loan growth of 35.2% to Rp13,482

billion, with robust growth in virtually all of its key

market segments. Commercial loans recorded an

81.1% loan increase, whilst Consumer and SME

loans grew by 34.1% and 19.8% respectively. This

high loan growth was well supported by prudent risk

management, resulting in a low non-performing loan

ratio (gross) of 0.72%. Third party funds also grew

strongly by 25% to Rp14,229 billion in 2013, with

Current Accounts and Savings Accounts (CASA)

accounting for 52.9% of our total deposits.

SAMBUTANPRESIDENDIREKTUR

MESSAGE FROM PRESIDENT DIRECTOR


Di akhir 2013, rasio imbal hasil atas aset meningkat

dari0,88%menjadi1,65%,sedangkanrasiolaba

terhadap ekuitas (ROE) juga meningkat dari sebesar

5,16%menjadi6,28%.

Kinerja positif tersebut membuktikan keunggulan

strategi bisnis Bank untuk memfokuskan pada

empat bidang usaha: Perbankan Ritel,

Wealth Management, Perbankan UKM dan

Perbankan Komersial. Pencapaian tersebut juga

merupakan refleksi kemampuan eksekusi kami,

serta waktu, pemikiran dan upaya karyawan kami

dalam membangun platform pertumbuhan Bank.

TERUS MEMBANGUN UNTUK MASA DEPAN

Selain meraih kinerja keuangan yang positif,

kami terus melakukan investasi di berbagai

bidang guna meningkatkan kapasitas Bank untuk

pertumbuhan ke depan.

Untuk mendukung investasi tersebut, di tahun

2013 Commonwealth Bank of Australia kembali

menyalurkan dana sebesar AU$200 juta, yang

meningkatkan Rasio Kecukupan Modal Bank dari

sebesar16,17%tahun2012menjadi25,78%di

akhir 2013. Hal ini merupakan penyaluran dana ke

tiga dalam kurun waktu dua tahun terakhir, yang

menggarisbawahi komitmen Commonwealth Bank

of Australia dalam mendukung pertumbuhan Bank.

Di tahun 2013, kami mulai mengimplementasikan

inisatif COMPASS (atau Commonwealth Bank

Platform Advancement for Superior Sales and

Services), proyek penting instalasi sistem core

banking baru, di mana tahap pertama direncanakan

akan diselesaikan di awal 2015. Selain itu, kami

juga telah meluncurkan inisiatif produktivitas yang

ekstensif, mencakup rekayasa ulang atas seluruh

proses Bank. Kedua proyek tersebut akan secara

signifikan mentransformasi organisasi Bank,

sehingga kami dapat meningkatkan kecepatan

layanan, pengendalian risiko operasional serta

menawarkan pengalaman perbankan yang lebih

baik bagi nasabah. Kami juga telah menyelesaikan

tahap ke dua pengembangan sistem tresuri yang

baru guna mendukung pertumbuhan layanan

trade finance.

Program-program pengembangan sumber daya

manusia tetap menjadi prioritas. Unit sumber

daya manusia terus aktif melaksanakan program-

program pelatihan guna meningkatkan dan

memperbaharui ketrampilan dan pemahaman

perbankan para karyawan.

By year end, our Return on Assets (RoA) improved

from 0.88% to 1.65%, while Return on Equity (RoE)

increased from 5.16% to 6.28%.

This positive performance clearly demonstrates the

soundness of the Bank’s business strategy to focus

on four business areas: Retail Banking,

Wealth Management, SME Banking and

Commercial Banking. It is also a reflection of our

execution capability, as well as the amount of time,

thought and efforts that our people put into building

up the Bank’s growth platform.

CONTINUE BUILDING FOR THE FUTURE

Along with delivering good financial results,

we continued to invest significantly in various areas

to strengthen the Bank’s capacity for future growth.

To fund this investment, Commonwealth Bank of

Australia made another capital injection of AU$200

million in 2013, raising the Bank’s CAR from 16.17%

in 2012 to 25.78% by year end. This is the third

capital injection in the past two years, underlining

Commonwealth Bank of Australia’s commitment to

support the Bank’s growth.

During the year, we have started to implement

the COMPASS (or Commonwealth Bank Platform

Advancement for Superior Sales and Services)

initiative, a major project to install a new core

banking system, with the first phase scheduled

to be finalized by early 2015. In parallel, we also

launched an extensive productivity campaign that

involves the reengineering of end-to-end processes

across the Bank. Together, these two projects will

greatly transform the Bank’s organization, allowing

us to deliver faster turnaround time, improved

operation risk controls and ultimately better banking

experience for our customers. We also completed

the second development phase of our new treasury

system to support the Bank’s growing trade

finance services.

Our human capital development programs remain

a priority. Our human resources unit continued to

actively organize training programs to enhance

and refresh our employees’ skills and banking

knowledge. In 2013, we held over 19.390 man days

training attended by 13.275 participants.


Di tahun 2013, kami telah menyelenggarakan

lebih dari 19,390 man days pelatihan yang diikuti

sebanyak 13,275 peserta.

Kami terus membangun kegiatan pengelolaan dan

pemantauan risiko guna memastikan keseimbangan

antara kegiatan penjualan, layanan nasabah

dan kegiatan pemantauan. Di tahun 2013, kami

telah melaksanakan berbagai inisiatif pelatihan

dan komunikasi kesadaran risiko, yang berhasil

memperkuat budaya risiko Bank.

PROSPEK DAN PRIORITAS

Di tahun 2014, Indonesia diperkirakan akan

mengalami pertumbuhan ekonomi yang lebih

rendah, seiring berlanjutnya upaya Pemerintah untuk

mengendalikan tingkat inflasi dan memperbaiki

posisi neraca berjalannya. Akibatnya, industri

perbankan akan menghadapi melambatnya

pertumbuhan kredit, meningkatnya persaingan

di sektor likuiditas serta kenaikan rasio NPL.

Dalam jangka panjang, Indonesia tetap merupakan

pasar yang menarik bagi industri perbankan dan

Commonwealth Bank. Dengan jumlah penduduk

ke empat terbesar di dunia dan perekonomian yang

terus berkembang, Indonesia menawarkan peluang

yang menarik bagi perkembangan usaha kami.

Commonwealth Bank akan terus membangun

infrastruktur dan sumber daya perbankannya

untuk terus menawarkan pengalaman perbankan

yang lebih baik bagi nasabahnya. Kami meyakini

keunggulan strategi usaha Bank dan berkomitmen

untuk terus mengembangkan produk dan layanan

yang inovatif dan kompetitif guna memenuhi

kebutuhan dari ke empat segmen pasar Bank.

Sebagai penutup, saya sampaikan penghargaan

setinggi-tingginya kepada seluruh karyawan atas

dedikasi dan kontribusinya. Saya juga sampaikan

terima kasih kepada para pemegang saham untuk

keberlanjutan dukungan dan para regulator untuk

dukungannya. Tidak kalah pentingnya,

saya sampaikan ucapan terima kasih kepada

para mitra usaha untuk kerjasamanya dan seluruh

nasabah untuk kepercayaannya kepada Bank.

Dengan dukungan dan kepercayaan di atas,

kami yakin bahwa Bank ini dapat terus memberikan

sumbangan berarti bagi Indonesia.

We continued to strengthen our risk management

and monitoring activities to ensure that sales,

service and control activities are well balanced.

This year, we initiated many risk awareness

training and communication initiatives, which have

succeeded to strengthen our risk culture across

the Bank.

OUTLOOK AND PRIORITIES

In 2014, Indonesia will see a lower economic growth

as the Government maintains its efforts to bring

down inflation and improve its current account

position. As a consequence, the banking industry

will face slower loan growth, higher competition for

liquidity and a slight increase in the NPL ratio.

In the longer term, Indonesia remains an ideal

market for banking and for Commonwealth Bank.

As the fourth most populous country in the world

with an economy growing at a steady pace,

Indonesia offers great opportunities for our business

to prosper.

Commonwealth Bank will continue building its

banking infrastructure and resources to provide even

better banking experience to the customers. We

are confident with the robustness of our business

strategy and are committed to continue developing

innovative and competitive products

and services that meet the needs of our four key

market segments.

I wish to close this message by expressing

my highest appreciation to our people for their

remarkable dedication and contribution. I would

also like to thank our shareholders for the continued

support and the regulators for their guidance.

Not least, I would like to thank our business partners

for their cooperation and our customers for their

trust in our Bank.

With this level of support and trust, we are confident

that this Bank can continue delivering valuable

contribution to the country.


Ian Philip WhiteheadDirektur Perbankan Ritel dan Bisnis

Director of Retail and

Business Banking Services

Mia Patria BernardhiDirektur Sumber Daya Manusia

Director of Human Resource

Adhiputra TanoyoDirektur Manajemen Resiko

Director of Risk Management


BIOGRAFIDIREKSIDIRECTOR’S BIOGRAPHIES

Dhien TjahajaniDirektur Kepatuhan

Director of Compliance

Paul Setiawan HasjimDirektur Operasi dan Teknologi Informasi

Director of Operations and Information Technology

Antonio Da Silva CostaPresiden Direktur

President Director


Setelah menyelesaikan program MBA di McGill

University di Kanada, Antonio Da Silva Costa

(Tony Costa) memulai karir perbankannya pada

tahun 1979 di Bank of Montreal, dan hingga saat ini

beliau tetap aktif mengembangkan karirnya di sektor

jasa keuangan. Pada tahun 1989 beliau bergabung

dengan Credit Lyonnais (Canada) dan lima tahun

kemudian pindah ke Indonesia untuk melanjutkan

karir di Credit Lyonnais Indonesia sebagai General

Manager/Marketing Director.

Selama 32 tahun berkarir di industri perbankan,

termasuk menempati posisi sebagai direktur

pada tiga bank internasional yang beroperasi di

Indonesia, Tony telah mengembangkan keahlian dan

pengalaman khusus pada bidang kebijakan kredit

dan restrukturisasi kredit, selain pengalaman sebagai

anggota komite kredit.

Pada tahun 1998 beliau bergabung dengan

Citibank, mengemban peran sebagai Debt

Restructuring Unit Head dan kemudian sebagai

Corporate Banking Head. Sebelum bergabung

dengan Commonwealth Bank Indonesia, pada

tahun 2002 beliau menerima tanggung jawab untuk

memimpin Rabobank Indonesia sebagai Presiden

Direktur. Tony bergabung dengan Commonwealth

Bank sebagai Presiden Direktur pada bulan

Maret 2010.

After completing his MBA Program in McGill

University, Canada, Antonio Da Silva Costa

(Tony Costa) began his banking career at the Bank

of Montreal in 1979 and has remained active in the

financial services industry ever since.

In 1989 he joined Credit Lyonnais (Canada) and

five years later he moved to Indonesia to continue

working for Credit Lyonnais Indonesia as General

Manager/Marketing Director.

Throughout his 32 year career in the banking

industry, which includes serving as director of three

international banks operating in Indonesia, Tony has

developed skills and experience specifically in credit

policy and credit restructuring as well as by being a

member of credit committees.

In 1998 he joined Citibank, assuming the role as

Debt Restructuring Unit Head and later as Corporate

Banking Head. Prior to joining Commonwealth Bank

Indonesia, in 2002 he took up the responsibility of

leading Rabobank Indonesia as President Director.

Tony joined Commonwealth Bank as President

Director in March 2010.

Antonio Da Silva CostaPresiden Direktur

President Director


Biografi DirekturDirector’s Biographies

Setelah lulus dari Universitas Indonesia dengan gelar

sarjana di bidang psikologi, Mia Patria Bernardhi

(Mia) bergabung bersama Citibank N.A. Indonesia,

di mana beliau bekerja dari tahun 1988 hingga 1996

dalam berbagai kapasitas mencakup customer

service, bank operations dan business strategy.

Pada tahun 1996, Mia bergabung bersama Bank

Papan Sejahtera, dan melanjutkan karir pada tahun

2000 bersama GE Capital Indonesia.

Pada tahun 2002, Mia meninggalkan sektor

perbankan untuk menjadi Direktur di sebuah

perusahaan konsultan strategi bisnis, namun

kembali ke perbankan pada tahun 2004 sebagai

Senior Vice President di Bank Danamon

bertanggung jawab untuk Service Centre,

dan setahun kemudian, bersama HSBC Indonesia,

awalnya sebagai SVP Financial Asset Customer

Service dan selanjutnya diangkat sebagai Country

Director SDM pada tahun 2006 kemudian

ditugaskan sebagai Country Director untuk

Group Communication and Corporate Sustainability

hingga tahun 2009.

Setelah masa jabatan yang singkat sebagai Head

of Human Resources di Surya Citra Televisi (SCTV),

Mia bergabung bersama Commonwealth Bank

Indonesia sebagai Chief of Human Resources

pada tahun 2010, bertanggung jawab atas

upaya transformasi dan penyelarasan sumber

daya manusia dengan strategi bisnis Bank. Atas

persetujuan Bank Indonesia, Mia ditunjuk sebagai

Director of Human Resources Commonwealth Bank

pada bulan Juni 2011.

Upon graduating from the University of Indonesia

with a degree in psychology, Mia Patria (Mia) joined

Citibank N.A. Indonesia, where she served from

1988 until 1996 in various capacities involving

customer service, bank operations and business

strategy. In 1996, she joined Bank Papan Sejahtera,

and in 2000 continued her career at

GE Capital Indonesia.

In 2002, She left the banking industry to serve

as Director of a strategic business consulting

firm, but returned to banking in 2004 as a Senior

Vice President with Bank Danamon responsible

for the Service Center, and a year later, with

HSBC Indonesia, initially as SVP Financial Asset

Customer Service and was appointed as Human

Resource Country Director subsequently as Country

Director for Group Communication and Corporate

Sustainability until 2009.

Following a brief stint as Head of Human

Resources at Surya Citra Televisi (SCTV), Mia joined

Commonwealth Bank Indonesia as Chief of Human

Resources in 2010, responsible for transforming

and aligning human capital with the Bank’s business

strategy. With the approval of Bank Indonesia,

she was appointed Director of Human Resources of

Commonwealth Bank in June 2011.

Mia Patria BernardhiDirektur Sumber Daya Manusia

Director of Human Resource



Bapak Ian Whitehead diangkat menjadi anggota Direksi

Commonwealth Bank sebagai Direktur Perbankan Ritel dan

Bisnis sejak bulan Juli 2011.

Memiliki pengalaman lebih dari 20 tahun di industri jasa

keuangan dan perbankan, dalam berbagai kapasitas bidang

penjualan, pemasaran dan menajemen, Whitehead memulai

karirnya di bidang ini pada tahun 1994, ketika bergabung

dengan Australian Card Services. Setelah itu Beliau melanjutkan

karirnya di berbagai posisi manajerial bersama Colonial State

Bank, Westpac Banking Corporation, Medibank Private dad

Sovereign Assurance (anak perusahaan dari Auckland Savings

Bank – bagian dari CBA Group).

Whitehead mendapat penugasan ke Commonwealth Bank

Indonesia pada bulan Februari tahun 2010 sebagai Chief

of Retail & Business Banking, bertanggung jawab untuk

mengembangkan bisnis Retail Banking, Wealth Management,

Bisnis UKM dan Wholesale Banking. Termasuk juga pemasaran,

public affairs, produk dan fungsi e-Channel Bank. Whitehead

bertanggung jawab terhadap pendapatan utama Bank.

Sebelum karir di bidang perbankannya dimuai, Whitehead

bekerja selama lima tahun di BP Australia LTD and BP UK LTD.

Whitehead juga aktif berkontribusi di industri perbankan dan

mendukung hubungan bilateral Indonesia Australia, dengan

menjabat sebagai Executive Board Member di Indonesian

Australian Business Council (IABC) dan menjadi pembicara

di berbagai program advokasi dan konferensi bidang keuangan

di Asia Tenggara.

Whitehead memiliki gelar Bachelor of Business dari Swinburne

Institute of Technology, Australia (1988), Post Graduate Diploma

(1996) dan MBA bidang marketing (1997) dari Royal Melbourne

Institute of Technology (RMIT), Australia.

Mr. Whitehead has been a member of the board of

Commonwealth Bank as Director of Retail and Business Banking

since July 2011.

Having more than 20 years experience in financial services and

banking, in various sales, marketing and management roles, Mr.

Whitehead started his career in 1994 when he joined Australian

Card Services, which launched him into a career in banking and

the financial services until today. He then moved on to work in

various management positions with the Colonial State Bank,

Westpac Banking Corporation, Medibank Private and

Sovereign Assurance (a subsidiary of Auckland Savings Bank -

part of CBA Group).

Mr. Whitehead was appointed to the role of Chief of Retail and

Business & Business Banking for the Commonwealth Bank

Indonesia in February 2010 responsible for growing the Retail

Banking, Wealth Management, SME Business and Wholesale

Banking business. This also includes responsibility of marketing,

public affairs, products and e-Channel functions in the bank.

Mr. Whitehead is responsible for the core banking revenues in

the bank.

Prior to his banking career, Mr. Whitehead spent five years

working for BP Australia LTD and BP UK LTD.

Mr. Whitehead is actively involved in the banking industry and

supports Indonesia-Australia bilateral trade and relations via his

role as a Executive Board Member of the Indonesian Australian

Business Council (IABC) and takes speaking role in banking

advocacy programs in various financial services conferences in

South-East Asia.

Mr. Whitehead holds a Bachelor of Business degree from

the Swinburne Institute of Technology, Australia (1988), Post

Graduate Diploma (1996) and MBA in marketing (1997) from the

Royal Melbourne Institute of Technology (RMIT), Australia.

Ian Philip WhiteheadDirektur Perbankan Ritel dan Bisnis

Director of Retail and Business Banking Services



Ibu Tjahajani diangkat menjadi anggota Direksi

Commonwealth Bank sebagai Direktur Kepatuhan

dan Hukum sejak Januari 2012.

Memiliki pengalaman lebih dari 22 tahun di bidang

hukum dan kepatuhan, Tjahajani memulai karirnya

sebagai Legal Officer di BCA pada tahun 1990

dan kemudian mengambil tantangan baru sebagai

Head of Legal & Remedial di Bank Credit Lyonnais

Indonesia. Pada tahun 2002 ia pindah ke DBS

Indonesia dan menjabat posisi sebagai Head

of Legal & Corporate Secretary, dan kemudian

dipromosikan sebagai Compliance & Legal Director

pada tahun 2003 sampai dengan tahun 2006.

Tjahajani kemudian menjabat selama 3 tahun

sebagai Direktur Kepatuhan di Rabobank Indonesia

dan pada tahun 2009, mulai menjabat sebagai

Direktur Kepatuhan di Barclays Bank Indonesia.

Tjahajani juga aktif dalam industri perbankan

Indonesia, di mana ia menjabat sebagai Ketua

Indonesian Foreign and Joint Venture Banks

Association pada tahun 2008, menjadi anggota

komite Forum Komunikasi Direktur Kepatuhan

Perbankan dan juga sebagai anggota Ikatan

Bankir Indonesia.

Ia meraih gelar Sarjana Hukum dari Universitas

Sebelas Maret, Indonesia (1990), Graduate

Diploma jurusan Business, dari Curtin University of

Technology, Perth, Western Australia (1993) dan

gelar Master di Business Administration dari Cowan

University, Perth, Western Australia (1995).

Ms. Tjahajani has been member of the board of

Commonwealth Bank as Compliance and Legal

Director since January 2012.

Having more than 22 years experience in the field

of legal and compliance, Ms. Tjahajani started her

career as Legal Officer with BCA in 1990 and then

took the challenge as Head of Legal & Remedial

with Bank Credit Lyonnais Indonesia. In 2002 she

moved to DBS Indonesia and took the post of Head

of Legal & Corporate Secretary, then was later

promoted as Compliance & Legal Director in 2003,

a position she held to 2006.

Ms. Tjahajani then worked for 3 years as

Compliance Director with Rabobank Indonesia

and in 2009, started working with Barclays Bank

Indonesia as Compliance Director.

Ms. Tjahajani is also actively involved in the

Indonesian banking industry, where she has held

Chair positions for Indonesian Foreign and Joint

Venture Banks Association in 2008, a committee

member of Forum Komunikasi Direktur Kepatuhan

Perbankan and also a member of Ikatan

Bankir Indonesia.

She holds a bachelor in law degree from Universitas

Sebelas Maret, Indonesia (1990), Graduate Diploma

in Business, from Curtin University of Technology,

Perth, Western Australia (1993) and Masters degree

in Business Administration from Cowan University ,

Perth, Western Australia (1995).

DhienTjahajaniDirektur Kepatuhan

Director of Compliance



Paul Setiawan Hasjim menyelesaikan pendidikan

di Sekolah Tinggi Informatika & Komputer, Jakarta

pada tahun 1986 dan memperoleh gelar MBA

dari RMIT University, Business Faculty, School of

Management, Melbourne, Australia pada tahun

2002. Ia memulai karir di sektor perbankan sejak

tahun 1983 pada saat ia bergabung di Bank Niaga

(sekarang PT Bank CIMB Niaga Tbk.) dan meniti

tangga karir selama lebih dari 25 tahun hingga

jabatan terakhir sebagai Operations & IT Director.

Pada bulan Desember 2012, ia bergabung bersama

Commonwealth Bank dan sampai saat ini

menjabat sebagai Director of Operations and

Information Technology.

Paul Setiawan Hasjim concluded his studies at

Sekolah Tinggi Informatika & Komputer, Jakarta

in 1986 and achieved Masters degree from RMIT

University, Business Faculty, School of Management,

Melbourne, Australia in 2002.He started his banking

career in 1983 when he joined Bank Niaga

(now PT Bank CIMB Niaga Tbk.) and continued his

career path for more than 25 years until his

last position as Operations & IT Director at

PT Bank CIMB Niaga Tbk.

In December 2012, he joined Commonwealth Bank

and until now serves as Director of Operations and

Information Technology.

Paul Setiawan HasjimDirektur Operasi dan Teknologi Informasi

Director of Operations and Information Technology



Lulus dari Erasmus Universiteit Rotterdam pada

tahun 1998, Adhiputra Tanoyo mengawali karirnya

di Indover Bank sebagai Credit Analyst.

Selain sempat bekerja di Konsultan Risk

Management ternama seperti Arthur Andersen

dan Ernst & Young, Adhiputra terus mendalami

karir di bidang Risk Management selama lebih dari

15 tahun. Ia telah mengikuti berbagai pelatihan

terkait Risk Management dan juga menerima

beasiswa dari Swedish International Development

Agency (SIDA) untuk Risk Management di Swedia.

Pada tahun 2009, beliau bergabung dengan

PT Bank UOB Indonesia dan posisi terakhir

menjabat sebagai Executive Director, Head of Risk

Management. Pada September 2013, Adhiputra

bergabung bersama Commonwealth Bank dan

diangkat menjadi Direktur yang bertanggung jawab

atas kesinambungan seluruh proses Manajemen

Risiko di Bank.

Graduated from Erasmus Universiteit Rotterdam in

1998, Adhiputra Tanoyo started his career at Indover

Bank as a Credit Analyst. Also has worked at some

well known Risk Management Consultant such

as Arthur Andersen and Ernst & Young, Adhiputra

continued to develop his career in the area of Risk

Management for over 15 years. He has attended

various trainings related to Risk Management

and received a scholarship from the Swedish

International Development Agency (SIDA) for

Risk Management in Sweden.

In 2009, he joined PT Bank UOB Indonesia and

held position as Executive Director, Head of Risk

Management. In September 2013, Adhiputra joined

the Commonwealth Bank and appointed as Director

to be responsible for the sustainability of the whole

process of risk management at the Bank.

Adhiputra TanoyoDirektur Manajemen Risiko

Director of Risk Management



DIRECTOR OFRETAIL & BUSINESS BANKING SERVICES

BOARD OF COMMISSIONERS

PRESIDENT DIRECTORAntonio D.S. Costa

AUDIT COMMITTEERISK OVERSIGHT

COMMITTEEREMUNERATION NOMINATION

COMMITTEE

EVP, Head of Market RiskAditya Purawardana

SVP, Head of Operational Risk

Estrelita Lestari

SVP, Head of Collection & Recovery

N. Peter Sipasulta

SVP, Head of Financial Crime Unit

Indra Rossano

Head of Enterprise Risk Services

TBA

Risk Management Project

TBA

VP, Head of Risk Analytics

Fisca Rony Siswoyo

VP, Head of Credit Quality Review and Credit Policy

Marie Yovanka

AVP, Head of Credit Risk Admin, Wholesale

Acceptance & MOSuryaji

EVP, Head of Credit Risk Sariani Sadikun

Adhiputra Tanoyo

EVP, Head of TreasuryLucky Syafril

SVP, Head of Global Market Sales

Indratno

SVP, Head of Global Market TradingVenisiana Dharmayanti

SVP, Head of Corporate Treasury SalesHendra Loesiaty

VP, Global Market sBusiness DevelopmentMichael Gunnar Wenas

Liliawati GunawanEVP, Head of Retail Banking & Services

Anwar Zaenudin

EVP, Head of WholesaleBanking

Widodo Suryadi

SVP, Head of WealthManagementDwi Kisniarti

EVP, Head of Product, Service and Marketing

Rian E. Kaslan

EVP, Head of Business Analytics & Strategy

Irna Wardhani

EVP, Head of SME Widjojo

Dhien Tjahajani

SVP, Head of Regulatory Affairs

Reinard Y Seno Setiaji

SVP, Head of Compliance Monitoring & Training

Indrajana So�andi

SVP, Head of Legal RA Noerindah

SVP, Head of AML and Sanction

R. Hendro Basuki N.

Head of Corporate Secretary

TBA

SVP, FinanceDesy Natalia Widjaya

SVP, Head of Vendor Management Of�ce

Septianus Gunawan

SVP, Head of Procurement & Corporate Services

Andi Daniel

VP, Finance Planning & Reporting

Dedy Mulyawan

VP, Finance Project &Expenses

Mutiara Febrina Sitompul

AVP, Head of Finance MISAndri Irwanza H

AVP, Finance Business Partner

Artyanto Soetojo

Jonanda Yattha Saputra

SVP, Head of Bus. Continuity and

Property ManagementMarco AR Lalisang

Chief Technology Of�cerJohmar Gazo

EVP, Head of PTBC Core Banking Trans. Program

Theresia Tristini

SVP, Head of OperationsWienda Trifena Wijaya

SVP, Head of OperationControl

Chairdiana Frinaldo

EVP, Head of HR Ops, CompBen & IR

Bagus Harimawan

SVP, Head of Learning &Talent Development

Ari Shinta

SVP, HR Business PartnerRetail & Business Banking

Carina Hastari

SVP, HR Business PartnerFinance, Audit, Global Market & Compliance

Hendrawan Nasroen

VP, HR Business PartnerOperations & ITMirna R. Harahap

Mia Patria

SVP, Head of Core and Support AuditFrisa Sukma C. T.

AVP, Head of Branch Network Audit

Hugo Priladi

AVP, Assurance, Reporting and Monitoring Unit Head

Cecilia Purnama

AVP, Head of IT & Analytic Audit

Jannata A Roestam

Reza Soemadipraja

Ian P. Whitehead


IKHTISAR BISNIS

Commonwealth Bank terus meraih kinerja yang menggembirakan di tahun 2013, dengan kinerja usaha yang positif di seluruh bidang. Pencapaian tersebut merupakan refleksi dari kemampuan manajemen untuk secara konsisten melaksanakan strategi Bank dalam beberapa tahun terakhir, yang mentargetkan pada empat segmen pasar penting Indonesia: Wealth Management dan Segmen Kelas Menengah, serta Perbankan UKM dan Perbankan Wholesale.

Commonwealth Bank continued to deliver a remarkable performance in 2013, with strong business results in all areas of the Bank. This performance reflects management’s ability to consistently execute the Bank’s strategy over the last few years that targets Indonesia’s four key market segments: Wealth Management and Emerging Affluent as well as SME Banking and Wholesale Banking.

LabaBersihPerusahaantumbuh127%mencapai

Rp206 miliar, sejalan dengan sasaran utama Bank

untuk menjadi “Lebih Baik, Lebih Cepat, Lebih

Kuat”. Total kredit mencapai Rp13.482 miliar,

meningkat35,2%dibandingkanpencapaiantahun

sebelumnya, refleksi berlanjutnya pertumbuhan

kredit UKM, Wholesale dan Konsumer Bank. Selain

itu, di tahun 2013 terjadi peningkatan kontribusi

kredit produktif dalam buku kredit Bank. Kredit UKM

dan Wholesalemenyumbangsebesar88,3%dari

portofolio kredit, refleksi komitmen Bank terhadap

pertumbuhan sektor riil Indonesia. Dana pihak ke

tigatumbuh25%mencapaisebesarRp14.229

miliar, dengan komposisi pendanaan

yang baik, di mana produk Giro dan Tabungan

(CASA)menyumbanglebihdari52.9%daritotal

dana pihak ke tiga.

Pencapaian-pencapaian ini merupakan bukti bahwa

Commonwealth Bank telah berada pada posisi

yang tepat untuk meraih peluang pertumbuhan di

Indonesia dengan menawarkan layanan finansial

terbaik dengan layanan nasabah yang unggul.

Net Income rose by 127% to Rp 206 billion, a result

that is well aligned with the Bank’s key objective

to become “Better, Faster, Stronger”. Total lending

reached Rp 13,482 billion, 35.2% higher compared

to last year, reflecting continuing growth in the

Bank’s SME, Wholesale and Consumer lending.

More importantly, 2013 saw a higher proportion

of productive lending within the

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