sustainability report - cimb niaga · pdf filesustainability report 2015 serving you with all...

Sustainability Report

Understanding cUstomers’ needs and prioritizing premiUm services is the best way to ensUre long-term bUsiness growth

reaching its 60th anniversary on 26 september 2015,

cimb niaga has become one of the leading banks in the

country, is among the five largest banks in indonesia and

serves the country through contributions to economic

development and national banking. in the 60 years the

company has been in business, it continues to be based on

noble values and prioritizes service from the heart for the

people of this country.

Facing challenging business situations resulting from the

dynamics of the global and national economies, cimb niaga

overcomes these conditions by striving to increase synergies

across all levels, improving human resource competency

by consistently affirming the corporate culture, improving

the entire business process through a structured strategy,

improving the quality of risk management implementation and

focusing on developing a winning business through a targeted

and prudent operating model.

cimb niaga continues to strengthen the company’s internal

basis, consistently applying transformation program ii and

striving for growth opportunities by providing a range of

innovative products and services.

cimb niaga is committed to providing convenience and

treating our customers as partners in realizing the company’s

vision of becoming a leading asean company, and jointly

creating more value for all stakeholders.

Our Journey

1955 1973-1983

2009 2010

Established as PT Bank Niaga.

Merger with:- Bank Agung-1973 - Bank Tabungan

Bandun-1978 - Bank Amerta 1983

Fifth largest Bank in IndonesiaLaunched Micro financing product Mikro Laju.

• Issued Rp2.98 trillion subordinate bonds.

• Rp1.5 trillion Rights Issue.

• AAA Rating from Fitch Rating.

• Launched internet banking platform Biz Channel and CIMB Clicks.

Our Journey

2013

2002 200419891987

2011 2012 2014

CIMB Group (previously Commerce Asset-Holding Berhad) took over 50.99% of PT Bank Niaga Tbk shares from IBRA.

Launch of Sharia banking.

Bank Niaga was listed on the Jakarta Stock Exchange and Surabaya Stock Exchange.

First domestic Bank to provide ATM services.

• Launched Sharia Gold Pawn business (Rahn).

• Issued Rp1.5 trillion senior bonds.

• Made subordinated bond payment of USD200 billion.

Booked Rp2.3 trillion Net Profit, launched co- branded CIMB Niaga AirAsia BIG Card credit card, launched first Online TD opening in Indonesia through CIMB Clicks.

and Surabaya Stock Exchange.

bond payment of USD200 billion.

Launched new mobile banking platfor-Go Mobile, Phone Banking 14041 service (re-launch) and Preferred Phone Banking 500 800; and issued Rp2 trillion Stage I Sustainability Bonds I.

Launched Digital Lounge Service, cell phone billing, Poin Xtra, and Net Banking; and issued Rp1.45 trillion in Stage II Sustainability Bonds I.

20062005 2008Rp1.3 trillion Rights Issue and USD100 million subordinate bond issue.

• Rights Issue Rp1.3 trillion.

• Issued subordinated Debt of USD100 million.

•Namechangesto PT Bank CIMB Niaga Tbk.

•Effectivemergerbetween CIMB Niaga and LippoBank.

2015•Launchedvirtualcreditcard–Octopay

•LaunchedMMQmortgageproduct–Shariamortgagewithafloatingfundingrate

•IssuedRp930billionNegotiableCertificateDeposit(NCD).

Serving You with all Our Hearts Sustainability Report 2015b

Sustainability Governance .30 Environmental Sustainability.46Economic Sustainability .40

CONTENTS

Sustainability Governance

2 CIMB Niaga Sustainability Indicators

4 Corporate Identity

8 Vision & Mission, Corporate Culture and Core Values

15 Awards and Certifications

16 About This Report

20 Joint Message from the President Director and President Commissioner

26 CIMB Niaga & Sustainability

42 Company Participation in Economic Growth and State Revenue

42 Direct Contributions

43 Economic Value Distributed

44 Indirect Contributions Through Investment and Banking Services

44 Product and Service Reach

45 Realized Lending

45 Micro, Small and Medium Enterprise Loans (MSME)

45 Supporting Financial Literacy

45 Remittance Facilities for Indonesian Workers Overseas (TKI)

32 Governance Structure

35 Governance Implementation Mechanism

36 Risk Management

36 Stakeholder Engagement

38 Supplier Relations

39 Compliance and Associations

Economic Sustainability

Serving You with all Our HeartsSustainability Report 2015 1

CIMB Niaga Cares.56 CIMB Niaga for Customers.84 CIMB Niaga’s People.90

Contents

98 GRI G4 Core Index

101 Assurance

92 Improving the Performance of CIMB Niaga’s Employees

92 Distribution of CIMB Niaga’s Employees

94 Human Resource Management

94 Training and Development Program

95 Employee Remuneration and Rights

96 Occupational Health and Safety at CIMB Niaga

96 Industrial Relations

CIMB Niaga’s People

59 Program Strategy and Implementation

61 Education

75 Community Development and Empowerment

77 Philanthropy

CIMB Niaga Cares

48 CIMB Niaga Cares for the Environment

49 Policy Guidelines and Standards

50 Government Policy

50 Environmentally Friendly Credit Policy

50 Smart Spending Policy

52 Green Office

52 Go Green

55 Bamboo Forest Conservation

Environmental Sustainability

87 Maintaining Product Quality

87 Customer Services

88 Customer Satisfaction Survey

88 Customer Complaint Management

89 Maintaining Customer Privacy

CIMB Niaga for Customers

Serving You with all Our Hearts Sustainability Report 20152


Operational Profit before Provisions

In Million Rupiah

CIMB NIAGA SUSTAINABILITy INDICATORS

Total AssetsIn Million Rupiah

2015

2014 233,162,423

238,849,252

Customer DepositsIn Million Rupiah

2015

2014 174,723,234

178,533,077

2015

2014 3,200,169

570,004

In Million RupiahNet Interest Income

2015

2014 10,689,495

11,386,360

Credit DisbursedIn Million Rupiah

2015

2014 176,383,449

177,356,829



CIMB Niaga Sustainability Indicators

Total Employees

13,577

15,003

2015

2014

Ayo Menabung dan Berbagi Program Participants

5,859

3,700

2015

2014

Employee Training Hours

654,570

572,908

Hours

2015

2014

People

People

Million

CSR Funding Realisation

18,987

24,6392015

2014

Total Scholarship Recipients

560

460

People

2015

2014



CORPORATE IDENTITy

Stocks Listing29 November 1989–Code: BNGAStocks and Bonds of PT Bank CIMB Niaga Tbk are listed and traded on the Indonesian Stock Exchange (BEI).

authorized CapitalRp2,900,000,000,000, consisting of Class A shares at Rp359,269,680,000 and nominal value of Rp5.000 per share and Class B shares at Rp2,540,730,320,000 and nominal value of Rp50 per share.

Issued and Fully PaidRp1,612,257,325,350

Head OfficeHead OfficeGraha CIMB Niaga, Jl. Jend Sudirman Kav. 58,Jakarta 12190, IndonesiaPh. (62-21) 250 5252, 250 5353Fax. (62-21) 250 5205Website www.cimbniaga.com

Business ScopeCommercial Bank, Foreign Exchange Bank, and Sharia Banking

namePT Bank CIMB Niaga Tbk

Establishment Legal References • Deed of Establishment No. 90 drawn up before Raden Meester Sowewandi, Notary in

Jakarta, on 26 September 1955, amended by virtue of Deed No. 9 dated 4 November 1955

• Decree of Justice Minister of the Republic of Indonesia (now Minister of Justice and Human Rights) No. J.A.5/ 110/ 15 dated 1 December 1955.

• State Gazette No. 71 dated 4 September 1956. • State Gazette Supplement No. 729/ 1956.

Date of Establishment26 September 1955

Ownership

CIMB Group Sdn Bhd 96.92%

PT Commerce Kapital(Subsidiary of CIMB Group)

1.02%

Public 2.06%



in terms of assets, Loans, and Customer Deposits

Bank in Indonesia Largest CIMB niaga is the

Fifth

banks in

segment Credit Card

Top 3one of the

(by card issuance)

in cooperation with delivered through Facebook app

MasterCard Indonesia

Launched OctoPaybanking transaction services

Market capitalization of

and total assets of

Rp14trillion

Rp238.85trillion

as of 31 December 2015

Recorded

Rating for international and

for national rating from

BBBaaa(idn)

Fitch Ratings

CIMB NIAGA AT A GLANCE



CIMB Niaga at a Glance

CIMB niaga invites the public to grow together and utilize the potential of Southeast asia in line with the CIMB group brand positioning “aSEan For You”.

Established on 26 September 1955 under the name PT Bank Niaga, the company became widely known as a provider of quality, innovative and reliable banking products and services. Thanks to its professionalism and dedication to carrying out business, in 1987, Bank Niaga became the first bank in the domestic market to offer ATM facilities to its customers, leading Indonesia into modern banking. [G4-3,G4-4]

In November 2002, to expand its business reach and to develop comprehensive product and services for its customers, Commerce Asset-Holding Berhad (now CIMB Group Holdings Berhad, or “CIMB Group”) acquired majority ownership in Bank Niaga from the Indonesian Bank Restructuring Agency (IBRA). Then in 2008, in accordance with the Single Presence Policy mandated by the Indonesian Government, Khazanah Nasional Berhad (“Khazanah”), the controlling shareholder of CIMB Group and LippoBank, implemented a merger of CIMB Niaga and LippoBank. [G4-3,G4-7]



CIMB Niaga at a Glance

ShaReOwNeRShIpPT Bank CIMB Niaga Tbk shares are listed and traded on the Indonesia Stock Exchange (IDX) under the code BNGA. Share ownership in the bank as of 31 December 2015 was as follows:

CompanyShareOwnershipasof31December2015

ShareOwnership 2015 2014

CIMB Group Sdn Bhd 96.92% 96.9%

PT Commerce Kapital (CIMB Group subsidiary) 1.02% 1.02%

The public 2.06% 3.1%

There have been no significant changes to share ownership in the Bank during 2015 or other fundamental changes. [G4-13]

CIMBNiagainNumbers[G4-9]

Details 2014 2015

Total Employees (people) 15,003 13,577

Total Branches 964 826

ATM (Unit) 3,272 3,365

Net Profit (Rp billions) 2,343.8* 427.9**

Total Capitalization:

- Total Assets (Rp trillion) 233.16 238.84

- Total Liabilities (Rp trillion) 204.71 210.17

- Total Equity (Rp billions) 28.79 28.68

* Excluding revenue from sales of fixed assets ** Excluding costs of Mutual Separation Scheme (MSS)

The company domiciled its head office at Graha CIMB Niaga, Jakarta, and per 31 December 2015 had a network of 826 offices with 3,365 ATM machines, 203 Self-Service Terminals/ SST, as well as 715 Cash Deposit Machines/ CDM supported by 13,577 employees across Indonesia.[G4-3,G4-5,G4-6]

The company recorded an equity stake in two subsidiaries engaged in providing vehicle purchase loans PT CIMB Niaga Auto Finance (CNAF) and PT Kencana Internusa Artha Finance (KITAF), with respective share ownership of 99.9% and 99.9%. [G4-3,G4-5,G4-7]

CIMB Niaga offers products and services for conventional and Sharia banking in segments comprising Consumer Banking, Micro, Small, and Medium Enterprises, Sharia, Commercial and Corporate Banking, Treasury and payment services supported by a network of branches spread across Indonesia and branchless banking. In addition, CIMB Niaga also offers micro business financing through its Mikro Laju product, which has 320 booths across Indonesia. [G4-4,G4-8]

The development of branchless banking, or Laku Pandai, is a company strategy to serve CIMB Niaga customers, in particular in the consumer banking segment. To achieve this, the company always develops services that support the creation of an improved consumer experience while using products and service such as Preferred Phone Banking 500800 specifically for preferred customers, mobile banking through the Go Mobile application, internet banking via CIMB Clicks, and 14041 phone banking services, as well as increasing the number of ATM machine facilities, Self-Service Terminals (SST) and Cash Deposit Machines (CDM). CIMB Niaga is also connected to an extensive network of national and regional ATMs through ATM Prima, ATM Bersama, Cirrus, VISA and MEPS, thus giving its customers flexibility and ensuring ease of transactions both in Indonesia and in the region, including in Singapore, Malaysia, and Thailand.[G4-4]



VISION & MISSION

* The Vision, Mission and Basic Values of the Company has been approved though the Board of Directors Meeting Minutes dated 14 October 2014 and the Board of Commissioners Circular No. 004/DEKOM/KP/X/2014 dated 31 October 2014

VisionTo Become a Leading ASEAN Company

Mission“To provide universal banking services in Indonesia in an integrated manner as a company with excellent performance in the ASEAN region and other major regions, as well as to support the acceleration of ASEAN integration and connection with other regions”



CORPORATE CULTURE

Key Behaviors3

Work hard to satisfy customers

Respect each other, be open, and cooperate

Respect and support each other’s efforts



CORE VALUES

CORE VaLUES

C : Customer-centricBe present to serve customers and sell the products and services desired by customers

H : High PerformanceWork hard and accurately for customers, fellow employees, and other stakeholders

E : Enabling PeopleEncourage all parties at CIMB Niaga to be broad-minded, and ensure that all employees have the ability to provide added value

S : Strength in DiversityRespect cultural differences and differences in perspectives, and recognize all differences as potential strengths

I : IntegrityBe honest, honorable and professional in all that we do because integrity is CIMB Niaga’s most fundamental value

C H E S I



SUBSIDIARIES AND ASSOCIATES

No. Subsidiary Domicile%SharesOwned

FieldofBusinessOperational/NonOperational

1 PT CIMB Niaga Auto Finance

Jakarta, Indonesia

99.99% Multifinance, covering consumer financing, factoring, and leasing

In operations

PT CIMB Niaga AutofinanceMenara Sentraya 28th FloorJalan Iskandarsyah Raya No 1AKebayoran Baru Jakarta Selatan 12160T. (+62-21) 2788 1800F. (+62-21) 2788 1900www.cnaf.co.id

VisionTo be a leading financing company in Indonesia through the creation of added value and the provision of the best possible services for customers and business partners.

MissionWe are committed to becoming a leading Auto Financing Company that provides the best possible value for its stakeholders through quality customer service, strong and beneficial partnerships, qualified human resources, and contribution to the community.

PROFILEPT CIMB Niaga Auto Finance (previously known as PT Saseka Gelora Leasing) was established in 1981 with a focus on the leasing business. In line with business expansion in 1993 into multifinance, comprising consumer financing, factoring and leasing, the Company changed its name to PT Saseka Gelora Finance (SGF). In 1996, PT Bank CIMB Niaga Tbk (previously PT Niaga Tbk) became the majority shareholder of the company and PT Bank CIMB Niaga Tbk’s share ownership in SGF continued to increase, reaching 96% in 2007. In follow up to PT Bank CIMB Niaga Tbk’s plan to expand consumer financing in Indonesia, in October 2009, SGF’s business underwent a significant change and its business focus shifted from leasing to consumer financing, especially auto financing. In 2010, PT Bank CIMB Niaga Tbk increased its ownership in SGF to 99.9% with the remaining 0.01% owned by PT Niaga Management Citra (NMC). In June 2010, PT Saseka Gelora Finance changed its name to PT CIMB Niaga Auto Finance (CNAF) and changed its logo.

In December 2015, through an Extraordinary Shareholders Meeting (EGM), the shareholders approved a merger, with PT Kencana Internusa Artha Finance (KITAF) merging into CNAF. This merger came into effect on 1 January 2016 after obtaining approval from the Financial Services Authority (FSA) and the Ministry of Law and Human Rights. The objective of this merger was to create a larger and stronger motor financing business and the ability to offer more complete and varied products and services to customers, while taking early steps toward becoming one of the Top 5 Motor Financing Businesses in Indonesia.

Through the merger, CNAF acquired an expanded distribution and network comprising 60 branch offices spread across areas in Java, Bali, Sumatra, Kalimantan, and Sulawesi.



Subsidiaries and Associates

PT CIMB nIaga aUTO FInanCE ManagEMEnTName position

BoardofCommissioners

Wan Razly Abdullah President Commissioner

Tony Tardjo Commissioner

Serena K. Ferdinandus Independent Commissioner

Hidayat Dardjat Prawiradilaga Independent Commissioners

Directors

Hendra Sugiharto President Director

Zainudin Samaludin Sales & Marketing Director

Harijanto Operation Director

Purwadi Indra Martono Risk Management Director

Purwadi Indra Martono* Collection Director*) duplicate position



GROUP STRUCTURE

Khazanah Nasional

Public

EPF KWAP MUFG Public

29.7%

2.1% 99.9%

97.9%**

99.9%*** 3.8%

17.4% 3.7% 4.6%* 44.6%

CIMB Group Holdings Berhad

CIMB Group Sdn Bhd

* Only direct shares through BTMU

** Including 1.02% ownership through PT Commerace Kapital

*** Per 1 January 2016, Kencana Internusa Artha Finance (KITAF) effectively merged with CIMB Niaga Auto Finance (CNAF)



CIMB GROUP PROFILE

CIMB Group Holdings BerhadLevel 13, Menara CIMBJalan Stesen Sentral 2Kuala Lumpur Sentral50470 Kuala Lumpur, MalaysiaTel : 603 2261 8888Fax : 603 2261 8899www.cimb.com

VisionTo be a leading ASEAN company.

MissionTo provide universal banking services as a high-performing, institutionalized and integrated company located in ASEAN and key markets beyond, and to champion the acceleration of ASEAN integration and the region’s links with the rest of the world.

PROFILEThe CIMB Group is a leading universal banking institution in the ASEAN region. The CIMB Group is also one of the world’s main players in Sharia banking.

The CIMB Group’s head office is in Kuala Lumpur, Malaysia. The Group offers various products and services in consumer, commercial, and investment banking, Sharia banking and asset management. Currently, the CIMB Group is the fifth largest bank in the ASEAN region with more than 40,000 employees and around 12 million customers, as recorded at the end of 2015.

CIMB Group Holdings Berhad has been listed on the Malaysian Stock Exchange since 1987 and is one of the largest companies with market capitalization of RM38.7 billion. As of the end of 2015, the Company’s total assets reached RM461.6 billion, with shareholder funds of RM41.1 billion and total Sharia assets of RM70.7 billion.

As of the end of 2015, the Company’s major shareholders included Khazanah National with 29.71% ownership, Employees Provident Fund (EPF) with 17.36%, Kumpulan Wang Persaraan (KWAP) with 3.69% and Mitsubishi UFJ Financial Group with 4.62%.

CIMB Group Holdings Berhad

BOaRD OF DIRECTORSName position

Dato’ Sri Nazir Razak Chairman/ Non-Independent Non-Executive Director

Tengku Dato' Sri Zafrul Tengku Abdul Aziz Group Chief Executive/ Executive Director

Dato' Zainal Abidin Putih Senior Independent Director

Glenn Muhammad Surya Yusuf Independent Director

Watanan Petersik Independent Director

Robert Neil Coombe Independent Director

Joseph Dominic Silva Non-Independent Non-Executive Director

Kenji Kobayashi Non-Independent Non-Executive Director

Teoh Su Yin Independent Director

Datuk Mohd Nasir Ahmad Independent Director

Dato' Lee Kok Kwan Non-Independent Non-Executive Director



AWARDS AND CERTIFICATIONS

Top50aSeaNpublicListedCompaniesandTop3publicListedCompaniesfromIndonesiaaSeaNCorporateGovernance

awards2015

peringkatIII“humanCapital”

Buku III Aset >Rp100 TriliunIndonesiaBankingaward

2015

TheBestOverallIndonesianInstituteforCorporateDirectorship

Top50publicListedCompanies

IndonesianInstituteforCorporateDirectorship

Secondplace,Bankersperformance

CompetitionVoice category

IndonesiaBankingexpo2015

Sustainability Report

Second place,Bankersperformance

CompetitionVoice category

Indonesia Bankinge2015

MarketConductawardFinancial Services Business

Implementing Consumer Protection Principles in the Financial Services

Sector based on Self Assessment in 2015

OJKaward2015

IndonesiaGreenawardBiodiversity Development, June 2015TheLaTofiSchoolofCSR

DigitalBrandofYear2015CIMBNiaga

RekeningponselCategoryRank 1 E-Money

InfobankMagazine

RetailBankerInternationalasiaTrailblazeraward2015Excellence in Internet Banking, Cross Border Bankwinner:CIMBNiagaRetailBankerInternationalTimetric

RetailBankerInternationalasiaTrailblazeraward2015

Excellence in Mobile Banking Customization, Highly Commended

CIMBNiagaRetailBankerInternationalTimetric

GlobalCSRaward2015CategoryExcellence in Provision of Literacy and Education Award (silver)TpGIThepinnacleGroupInternational

IndonesiawOwBrand2015Category

Time Deposit (Conventional Bank BUKU III) and Installment Savings (Conventional Bank)



About this Report



“This Sustainability Report has been compiled to provide an illustration to CIMB Niaga stakeholders as to what extent CIMB Niaga has realized its responsibilities toward the environment, society and community, customers, and human resources in its application of the Good Corporate Governance principle



ABOUT THIS REPORT

RepORTCONTeNTDeTeRMINaTIONpROCeSS[G4-18]

The process to determine the content of this Report was based on 4 (four) steps, as defined in the GRI G4 guidelines, starting with identifying the material aspects and boundaries, followed by prioritizing levels for these material aspects, then validating each aspect. The final step was the assessment of published reports in the interest of preparing the report for the following year.

Further, in determining the Report contents, 4 (four) principles were implemented for the overall process, namely stakeholder inclusiveness, materiality, sustainability context, and completeness.

The company involved stakeholders in the processes of identification, determining priority and validation of material aspects disclosed in this Report. Stakeholders were involved in surveying the material. Stakeholder assessment of last year’s sustainability report also provided valuable input.

The materiality principle was applied to this Report by determining critical material from the disclosed aspects. These material aspects also had to be relevant in the sustainability context. Finally, referring to the principle of completeness, the Report was compiled with a clear scope and supported by complete data.

The 2015 Sustainability Report of the Company covers the activities and initiatives of the Company sustainability during the period of 1 January up to 31 December 2015. This report is the 4th Sustainability Report, completing the publication of 2015 Annual Report as a form of compliance with the Financial Services Authority (OJK) through Decree of the Chairman of Bapepam-LK No. KEP-43/ BL/ 2012 dated 1 August 2012. The first Sustainability Report was published on 2011 and since then becomes part of the regular annual reporting of activity. The Sustainability Report for the period of 2014 was published on April 2015.[G4-28][G4-29][G4-30]

Guidelinesandassurance[G4-32][G4-33]

This report contains information on the company’s participation during 2015 in various sustainability initiatives and programs related to economic, environmental and social aspects. It has been compiled based on version 4 of the Sustainability Reporting Guidelines (G4) and the Financial Services Sector Supplement (FSSS) issued by Global Reporting Initiative (GRI). There are two format options for Sustainability Reports compatible with G4 guidelines, core and comprehensive. This report has been prepared in accordance with GRI G4 Core.

To facilitate the identification of the report’s contents per G4 Core indicators, each G4 indicator is noted on each relevant page as a reference. The G4 Core Index list applied in this report is presented on page 98.

Specifically to improve the credibility of this Report, the Company assigned an independent external assuror, PT Moores Rowland Indonesia, to provide assurance services for this Report. The independent assuror selection process involved the relevant management from within the company, who assessed several assurance service providers. Other than appointing the independent assessor, the company has no other working relationship with PT Moores Rowland Indonesia. The independent assuror’s guarantee for CIMB Niaga’s 2015 Sustainability Report is presented on page 101.



About this Report

ReportContentDeterminationFlowchart

Sustainability Contexts

Sustainability Contexts Stakeholders Engagement

Stakeholders Engagement

Materiality Complete

Step4ReVIew

Step1IDeNTIFICaTION

Step2pRIORITY

Step3VaLIDaTION

Sustainability Report 2015

SignificantChangesComparedtothepreviousYear[G4-22][G4-23]

The company can report that in this Sustainability Report period there have been no fundamental changes compared to previous years in relation to organizational structure, capital structure or ownership, or to the company’s operational areas.

ContactUs[G4-31]

The company is committed to continually improving the quality of its Sustainability Reports. Thus, the company invites readers and all its stakeholders to submit advice, ideas, criticism or questions about this report to:

Corporate SecretaryGraha CIMB NiagaLantai 16Jl. Jend. Sudirman Kav. 58Jakarta 12190, IndonesiaTel.: (62-21) 250 5252, 250 5353Fax.: (62-21) 252 6749Email: [email protected]: CIMB IndonesiaTwitter: @CIMBIndonesia



JOINT MESSAGE FROM THE PRESIDENT DIRECTOR AND PRESIDENT COMMISSIONER

“FOR CIMB nIaga, SUSTaInaBILITY MEanS UPHOLDIng OUR COMMITMEnT TO MaInTaIn a BaLanCE BETwEEn ECOnOMIC, SOCIaL anD EnVIROnMEnTaL PERFORManCE aT aLL COnDITIOnS. FaCED wITH THE SEVERITY OF BUSInESS COnDITIOnS In 2015, wE HaVE UPHELD THaT COMMITMEnT BY wORkIng TO MaInTaIn SUSTaInaBLE ECOnOMIC PERFORManCE THROUgH IMPROVED SERVICE qUaLITY FOR OUR CUSTOMERS, BaSED On SUPERIOR MODERn BankIng PRODUCTS anD THE DEVELOPMEnT OF a SaTISFaCTORY nETwORk InFRaSTRUCTURE, wHILE aT THE SaME TIME, wE aRE wORkIng TO IMPROVE THE qUaLITY OF OUR PRESEnCE In THE COMMUnITY THROUgH THE IMPLEMEnTaTIOn OF VaRIOUS PROgRaMS aIMED aT DEVELOPIng ECOnOMIC COMPETEnCIES anD IMPROVIng wELFaRE, In aDDITIOn TO PURSUIng a POLICY OF EnVIROnMEnTaLLY FRIEnDLY BankIng OPERaTIOnS”

“FMECOMMITMEBaSOCIPERFORMFaBUSIHawECOIMPROVEDFOROn PRODUCTSOFInTIMETHEIn IMPLEMEPROECOIMPROVITOEnOPER

DaTO’ SRI nazIR RazakPresident Commissioner TIgOR M. SIaHaan

President Director

[G4-1]



Joint Message from the President Director and President Commissioner

RespectedStakeholders,Once again, we present you with a CIMB Niaga sustainability report. For 2015, this report again contains a description of the company’s track record in applying the principles of sustainable development in our operations as a banking institution. This track record, derived from various programs, has been able to support CIMB Niaga’s active role in the community for 60 years, since its founding, and will continue to keep pace with rapid developments in Indonesia in the coming years.

We believe that our brand positioning, “Innovation from the Heart”, reflects the spirit of all CIMB Niaga’s employees to address the range of dynamics and challenges needed to develop the business. For this reason, the theme of this report, “Service from the Heart”, is appropriate to illustrate the identity and status of CIMB Niaga, which continues to provide sincere service to support the growth and development of our customers’ businesses, as well as to meet the expectations of all our stakeholders.

BusinessDevelopmentOpportunitiesInIndonesia[G4-1]As a middle-income country enthusiastically working toward becoming part of the group of developed nations, blessed with abundant natural resources and a population of 255 million (Central Statistics Agency/ BPS, 2015) and per capita GDP of Rp45.2 million (BPS, 2015), Indonesia has great potential to develop into one of the world’s economic powers. This transformation into a developed country requires various constraints to be overcome, including basic infrastructure, bureaucratic licensing, limited capital, the availability of competent human resources, and Indonesia’s low financial inclusion index, all of which the government is now trying to resolve.

Bureaucratic licensing is beginning to be addressed through a series of deregulatory policies and the implementation of one-stop licensing, while the construction of basic infrastructure, such as electricity, ports, airports, and roads, is beginning to be realized with ever-increasing intensity. To improve human resource competency, the Government is rolling out a compulsory education program with the support of the Smart Indonesia Card Program (KIP), revamping the curriculum, include adding and improving vocational schools.

Meanwhile, to improve Indonesia’s financial inclusion index from 36% in 2014 (World Bank, Global Financial Inclusion Index, 2014), the Government of Indonesia, along with Bank Indonesia and the Financial Services Authority (FSA), has developed a series of programs and integrated strategies. The goal is to improve the financial inclusion index to 90% by 2023. This increase in the financial inclusion index also means improving the public’s ability to raise funds to support national development.

We believe that our efforts to realize the ideals of CIMB Niaga, which is at the forefront in digital banking services through the optimization of the most relevant cutting-edge technology, is highly relevant and appropriate for government programs to improve the financial inclusion index. Improving our digital banking services is perfectly in accordance with Indonesia’s geographical conditions.

Focusing on the customer experience as a differentiating factor from other banks through the platform “We are One” and the realization of CIMB Niaga’s determination to build one of the most complete digital banking services in the domestic banking industry, makes us believe we can place CIMB Niaga at the forefront in the customer’s eyes.




In line with the initiation of the ASEAN Economic In line with the enforcement of the ASEAN Economic Community, we believe we are able to provide greater opportunities for our employees to gain experience at the regional level and to help competent customers develop their businesses. As part of the network of one of the largest financial business groups in the region, CIMB Niaga has the ability to support economic growth in Indonesia through high quality cross-border banking services that exploit the network’s potential, experience and business platforms within CIMB Group.

performancethatSupportsIndonesia’seconomicDevelopmentOur ability to prioritize the best relationships with clients through the provision of quality services and diverse banking products that meet customers’ needs has caused CIMB Niaga to show signs of financial improvement, while consistently reinforcing internal foundations. This will give us the ability to seize growth opportunities in the future, in line with improvements to economic conditions in Indonesia and of course, business conditions as well as to provide added value to our stakeholders. This performance is the result of the consistent implementation of our Transformation 2 Program in recent years, which is part of the long-term business development plan.

As of the end of 2015, CIMB Niaga was still Indonesia’s fifth largest bank in terms of assets, third party funds and loans. Moreover, in the midst of challenging business conditions, we were able to record net economic value of Rp13,718.1 billion, up 3.5% on the previous year.

We distributed Rp10,932.4 billion in interest and Sharia funds to customers. Further, we continued to increase the economic value distributed to employees, totaling Rp4,156.1 billion, including payments of Rp571

billion to the Voluntary Retirement Program (“PPKS”). We also distributed economic value of Rp3,520.6 billion to our suppliers and Rp24.6 billion to support the public through the realization of our corporate social responsibility programs.

We were able to improve our obtained value and the distributed value to our stakeholders, while also improving our financial fundamentals as a strong banking institution, as demonstrated by our NPL, CAR, and CASA ratios.

Our economic performance is the result of performance improvements to several lines of business, notably Corporate Banking, Islamic Banking, and Consumer Banking, while the MSME and Commercial Banking segments need to be focused on helping customers solve business problems.

In addition to our financial performance, our operational performance, particularly in relation to Information Technology-based network service development, showed encouraging progress. We also increased the number of individual accounts and corporate customer portfolios from the micro, small, and medium level up to the corporate level.

This shows our determination to support an improving financial inclusion index had a positive result, both to financial performance and our fundamental operations. We believe these results also had a positive impact on the resilience of the national economy.

We have also made direct contributions to national economic development through the payment of Corporate Income Tax in line with the Company’s financial performance, as well as contributing indirectly through the creation of employment throughout our supply chain, which we maintain well.




responsibility for maintaining and preserving the environment for generations to come. Furthermore, through the Philanthropy pillar, we are committed to allocating funds and making CSR donations.

For such strong commitment, we have received numerous awards, including the Global CSR Award for Excellence in Provision of Literacy and Education.

participationinenvironmentalConservationeffortsEven though banking operations have a minimal direct impact on the environment, we continue to show our support and contribute meaningfully to the joint efforts of citizens across the world to conserve the environment and mitigate the global impact of climate change. CIMB Niaga contributes through two activities, namely increasing its degree of environmentally friendly operational activities and implementing programs for environmental rehabilitation within the CSR framework.

We apply a Green Banking Policy, namely banking activities that always prioritize environmental sustainability when implementing business practices, and implement a Green Office Policy based on Smart Spending Programs. We also campaign for banking operation policies that are more environmentally friendly with the Go Green spirit. In addition, we apply a lending policy that includes environmental aspects as a basis for the agreement.

In addition to environmentally friendly operational activities, we realize diverse CSR activities related to the environment, implemented individually or to support the activities of relevant agencies, such as the planting of 4,000 resilient bamboo plants in an 8-hectare area developed with relevant agencies.

We have successfully achieved all of this through the commitment of CIMB Niaga to improve service quality and provide a variety of banking products that meet our customers’ needs.

We believe that by safeguarding our service quality, CIMB Niaga will always be the customers’ choice for all their financial transactions. Thus, we will be ready to seize every opportunity for business growth now and in the future.

SupportingLocalCommunityDevelopmentWe are fully aware CIMB Niaga has only been able to thrive this far with the support and trust of the public. The growth rate of our business correlates directly with improving public welfare. Therefore, we seek to support community development programs and implement well-designed Corporate Social Responsibility (CSR) programs.

Our CSR program-CIMB Niaga Cares-is implemented through four pillars: education, community development and empowerment, the environment, and philanthropy, with the primary goal of helping improve social welfare and improve the quality of people’s lives.

Through our education pillar, we implement two main programs, namely Scholarship Programs (nine types of scholarship) and Public Education in Banking. In 2015, we provided 103 scholarships with a total value of Rp4.5 billion. Meanwhile, we provide banking education as part of our efforts to help raise Indonesia’s financial inclusion index in line with public levels of financial/banking literacy.

Through our Community Development and Empowerment pillar, we help improve the quality of life, promoting empowerment so that communities can become more advanced and independent. Through the Environment Pillar, we demonstrate CIMB Niaga’s determination to be a corporate citizen that takes



CreatingapositiveworkingenvironmentEmployees are the backbone of the Company. All of our achievements and performance over the years have been the result of hard work, commitment, and dedication shown by all of our loyal employees. Therefore, we will continue to develop and hone the competence of the Company’s human resources with a number of strategic programs, alongside efforts to create a positive working environment that enables employees to work to their best abilities and establish long-term working relationships.

During 2015, we specifically implemented eight key priority programs in human resource management. We use balanced scorecards and Key Performance Indicators (KPI) at the individual and team level to assess employee performance, establish career paths and provide remuneration packages that are constantly adjusted based on the results of periodic market surveys. Furthermore, we ensure positive, mutually respectful industrial relations, which are incorporated into the periodically reviewed Collective Labor Agreement (CLA).

In addition to developing banking skills, we continue to instill the values of CHESI (Customer Centric, High Performance, Enabling People, Strength in Diversity, and Integrity) through the ABC (A Better CIMB Niaga) campaign. By our employees understanding and practicing these values, we can ensure that they preserve their integrity in dealing with the company and with our customers.

ImprovingQualityofSustainableGovernanceImplementationCIMB Niaga implements corporate governance principles in accordance with national and regional standards. We implement GCG principles at all levels of the organization in our Company, backed by consistent and institutional procedural rules that are periodically tested and enhanced in accordance with the most recent developments. Nevertheless, we are determined to continue improving the quality of governance implementation on an ongoing basis in all operational aspects of CIMB Niaga.

We believe that our sustainability concept achievements, which are the fulfillment of all our stakeholders’ expectations, are very relevant to the results that will be obtained if CIMB Niaga is able to continually improve the quality of corporate governance best practice implementation. It is in this way that the trust of fund owners and customers will be maintained.

Therefore, as part of the biggest banking group in the region, with an extensive network that reaches across ASEAN, we are determined to be the leading institution in terms of best corporate governance standards application according to the ASEAN Governance Scorecard. We believe that improving our GCG quality will contribute to improving the Company’s performance on an ongoing basis, in line with the objectives and benefits of corporate governance.




ClosingRepresenting the CIMB Niaga Board of Commissioners, Board of Directors and all levels of management, we would like to profusely thank our stakeholders who have helped CIMB Niaga continue to grow into one of the leading and trusted banks in Indonesia. We hope that the support provided will help CIMB Niaga achieve our vision to not only be a strong and trusted bank, but also a bank that cares about sustainable development, environmental conservation and community development in every place in which we operate. To be a strong and trusted bank that serves customers from the heart, makes a significant contribution to the economic development of Indonesia and improves the welfare of all our stakeholders.

For and on behalf of the CIMB Niaga Board of Commissioners and Board of Directors,

DaTO’ SRI nazIR RazakPresident Commissioner

TIgOR M. SIaHaanPresident Director




DeTeRMININGMaTeRIaLaSpeCTSaNDBOUNDaRIeS[G4-17][G4-19][G4-20][G4-21]

To determine material aspects and boundaries, several groups of stakeholders were involved, including company employees from various work units who contributed to data for the 2015 Sustainability Report. Stakeholder participation took place through a survey that served to analyze material aspects and boundaries for the needs of the 2015 Sustainability Report.

MaterialaspectsandBoundariesThis report contains data on the economic, environmental and social performance of the Company from 1 January to 31 December 2015. We received reports from the Company’s Head Office and its branches across Indonesia. The Company currently has one subsidiary engaged in motor vehicle ownership financing, PT CIMB Niaga Auto Finance (CNAF), in which it holds 99.9% of shares. However, with the exception of financial information, this Sustainability Report does not include sustainability information on its subsidiary.

In its day-to-day operations, the company is supported by suppliers. The company divides its suppliers into 2 (two) groups: The first group is suppliers of general goods and services, who are not part of the Company’s operations and whose business is not dependent on the company. In this Report, they are not included within the boundary.

CIMB NIAGA & SUSTAINABILITy

The second group is suppliers of specific goods and services and is included within the boundary. The suppliers in this second group include suppliers of labor for security, sales, and promotion, debt collection, cleaning services and transportation. Their labor and human rights policies, as well as their work practices, have a direct impact on the company’s image.

DeterminingMaterialityLevel[G4-18]

In determining the level of materiality for the contents of this report, in accordance with the principle of stakeholder inclusiveness, the company gathered its stakeholders and requested their opinions on the issues to be disclosed in the 2015 Sustainability Report through a survey of various stakeholder groups, including the labor union, large customers, small customers, the community, NGOs, suppliers, banking industry associations and the government. Based on the data we obtained from this survey, an illustration was generated as to the materiality level of the issues to be disclosed, as shown in the materiality level graph below.



CIMB Niaga & Sustainability

State revenue

LOw MEDIUM HIgH

LOw

ME

DIU

MH

IgH

Important for the Company

Impo

rtan

t for

the

Sta

keho

lder

s

Mitigating greenhouse gas emissions

Community support

Risk management

National economic growth

Employee remuneration

Controlling electricity use

Controlling outsourced labor

Equal opportunities

Financing the renewable energy sector Banking facilities for

SMEs

Community economic empowerment

Banking security

Clarity of banking product information

Employee education and training

Employee career development

Developing public infrastructure and facilities

Developing public infrastructure and facilities

Respect for Human Rights

Helping improve the environment




Material Aspects and Boundary Table

No MaterialaspectBoundary

CIMBNiaga Subsidiary BeyondtheCompany

1 Economic performance

2 Indirect economic impact

3 Energy

4 Emissions

5 Labor

6 Occupational health and safety

7 Training and education

8 Assessment of suppliers’ employment practices

9 Assessment of suppliers’ human rights practices

10 Freedom of Association and CLA

11 Local communities

12 Product and service packaging

13 Customer privacy

14 Product portfolio


CIMB Niaga Cares.56 CIMB Niaga for Customers.84

CIMB niaga’s People

CIMB Niaga’s People.90


CIMB NIAGAAnak Perusahaan

COMPanY’S EXTERnaL

Tran

sporta

tion Cleaning Service

Sales

Security

Col

lect

or

Sustainable Governance

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“Good Corporate Governance is the highest reference in all of the Company’s operational activities to improve transparency and accountability and create a management system that is efficient and effective


Sustainability Governance .30 Environmental Sustainability.46Economic Sustainability .40Sustainability Governance .30

SUSTAINABLE GOVERNANCE

Corporate governance policies in CIMB Niaga are based on CIMB Niaga’s strong commitment to sustainability. In carrying out operational activities, we always safeguard the balance between economic, social, and environmental aspects. We apply sustainability governance to mindsets and work patterns across all CIMB Niaga levels to increase transparency and accountability for the creation of an efficient and effective management system. These values form the main foundation for CIMB Niaga to be able to make a real contribution to all stakeholders. [G4-34]

GovernanceStructureSustainability governance at CIMB Niaga aims to maximize the company’s value by improving the application of the principles of transparency, accountability, responsibility and independence. In this

case, CIMB Niaga always prioritizes the creation of decision-making by all organs of the Company based on high moral values and compliance with applicable regulations and laws.

CIMB Niaga’s governance organs consist of the General Meeting of Shareholders (GMS), the Board of Commissioners and Board of Directors. In the Company’s corporate governance structure, the GMS is the highest organ of the Company, while the Board of Commissioners acts as the oversight organ of Company management and provides advice to the Board of Directors, which is responsible for Company operations according to the pre-determined direction and strategies.



Sustainable governance


The application of the Company’s governance is supported by various Executive Committees, including: 1. Corporate Governance Committee 2. Risk Management Committee 3. Operational Risk Management Committee 4. Information Technology Steering Committee 5. Asset and Liability Committee 6. Credit Policy Committee 7. Business Development Committee 8. Marketing and Communication Committee 9. Personal Policy Committee10. Capital Investment Committee11. Compliance Management Unit12. Internal Audit and External Audit Unit13. Corporate Secretary, and 14. Sharia Oversight Board (DPS)[G4-34]

GeneralMeetingofShareholders(GMS)The GMS is the organ of the Company that has authority not afforded to the Board of Directors or the Board of Commissioners, within certain limits as stipulated in Law No. 40/ 2007 on Limited Liability Companies.

In Article 11 of the Company’s Articles of Association, the GMS comprises the Annual GMS and other GMS, which in the Articles of Association are referred to as Extraordinary GMS. The shareholders have rights, which include:

1. The right to procedural information related to the GMS, including the voting procedure, with both complete details as presented on the Company’s website and in summary, as stated verbally prior to the start of the GMS.



2. Equal access to the Company’s public information through its website and in mass media publications.

3. The right to obtain GMS materials and other public information related to the company’s business development.

4. The right to one vote per share. 5. The right to be provided an opportunity to ask

questions and give opinions, as well as to approve, disapprove or abstain in voting on matters on the GMS agenda, for every decision on the GMS agenda.

6. The right to provide power of attorney to another party (for shareholders who cannot attend the GMS), to hold power of attorney and to act as a representative in the GMS.

7. Equal rights to dividends, share bonuses, rights issues made by the Company in accordance with the amount of shares owned, as recorded on the Shareholder List as of the recording date.

In 2015, the Company held its Annual GMS on 10 April 2015, which was convened in the Financial Hall, Graha CIMB Niaga 2nd floor, Jl. Jend. Sudirman Kav. 58, Jakarta Selatan. This GMS was attended by shareholders and/ or their representatives representing a total of 24,617,687,484 shares, or 97.96% of the total 25,131,606,843 class A and class B shares issued by the Company.

BoardofCommissionersandBoardofDirectorsThe main duty and responsibility of the Board of Commissioners is to oversee the Company’s policies and strategies, monitor the Company’s development and to provide input to the Directors on matters related to their duties and responsibilities. The selection and appointment of members of the Board of Commissioners and Board of Directors is conducted through the GMS in accordance with the results of fit and proper tests. The selection and appointment of members of the Board of Commissioners and Board of Directors must be approved by the Financial Services Authority (FSA).


The duties and responsibilities of the Company’s Board of Commissioners and Board of Directors are contained in the Board of Commissioners and Board of Directors Charter, which also regulates their membership, work mechanism, working hours, work code, together with established procedures for conducting meetings, reporting, assessment, and performance responsibilities

Members of the Company’s Board of Commissioners and Board of Directors are appointed and determined in accordance with regulations issued by Bank Indonesia (BI), the Company’s Articles of Association and other prevailing regulations, which include:• There shall be a minimum of three members of the

Board of Commissioners and no more than the total number of Directors;

• At least one member of the Board of Commissioners shall be domiciled in Indonesia;

• A minimum of 50% of members of the Board of Commissioners shall be Independent Commissioners; and

• Members of the Board of Commissioners may only serve in a position as a member of the Board of Commissioners, Board of Directors, or Executive Management of 1 (one) non-financial institution, or implement their supervisory functions over 1 (one) non-banking subsidiary company controlled by the bank. Members of the Board of Commissioners may not hold another executive position in the same company.

To ensure their independence and to avoid conflicts of interest, no member of the board may have any familial, financial, managerial and/ or shareholding relationship with other members of the Board of Commissioners and Board of Directors, either in the bank or in other companies domiciled in Indonesia or overseas.

The amount of salary and remuneration and/ or allowances for members of the Board of Commissioners and Board of Directors is established by the GMS, on the basis of recommendations and assessment given by the Remuneration and Nomination Committee.





Composition of the CIMB Niaga Board ofCommissionersper31December2015

Name position

Dato’ Sri Nazir Razak President Commissioner

Glenn Muhammad Surya Yusuf

Vice President Commissioner

Roy Edu TirtadjiIndependent Commissioner

Sri Hartina Urip SimeonIndependent Commissioner

Zulkifli M. AliIndependent Commissioner

Pri NotowidigdoIndependent Commissioner

David Richard Thomas Commissioner

Ahmad Zulqarnain Onn Commissioner

CompositionoftheCIMBNiagaBoardofDirectorsper31December2015

Name position

Tigor M. Siahaan President Director

Daniel James Rompas Vice President Director

Lydia Wulan Tumbelaka Director

Wan Razly Abdullah Director

Rita Mas’Oen Director

Samir Gupta Director

Megawati Sutanto Director

Vera Handajani Director

John Simon Director

GovernanceImplementationMechanism[G4-56]

Full commitment to sustainability governance implementation in all of CIMB Niaga’s operational activities is reflected in the establishment of the company’s vision and mission. We are also fully committed to the internalization of various key values we profess as part of the corporate culture

and implementation of sustainable governance. In addition, we also adhere to the five principles of good corporate governance, as defined by Bank Indonesia (BI), namely transparency, accountability, responsibility, independence, and fairness.

CompanyVisionandMission

VisionTo be a Leading aSEan Company.

MissionTo provide integrated universal banking services in Indonesia as a company with excellent performance in the aSEan region and other major regions, supporting accelerated aSEan integration and connecting it to other regions.

The vision and various values and principles are then translated into a code of conduct that guides procedures for CIMB Niaga employee behavior in terms of decision making, as well as acting and interacting within the scope of CIMB Niaga’s business activities.

The entire process of achieving the vision, internalization of values and adherence to ethical codes is led by top management through a variety of routine outreach programs to foster compliance by all employees of CIMB Niaga. In addition, CIMB Niaga also requires all employees to sign the Integrity Pact for continued compliance with the points of the code of conduct as a way of internalizing values.




Stakeholderengagement[G4-24,G4-25,G4-26,G4-27]

We always gain valuable input from all our stakeholders to improve service performance, develop products, manage risk, and to improve the company’s reputation. For CIMB Niaga, the involvement of all stakeholders in running our operations is one of the keys to business sustainability. Therefore, CIMB Niaga has also always maintained sustainable and consistent business relationships that are in accordance with the good corporate governance guidelines for the sake of a sound business environment.

CIMB Niaga implements mapping focused on the character of its stakeholders and how they affect and are affected by the impact of the Company’s operational activities. The mapping results are then used as the basis to compile a strategy for engagement with stakeholders.

The Company’s stakeholders are Shareholders, employees, customers, society, Non-Governmental Organizations (NGO), investors, labor unions, Government (including supervisory authorities), universities and the media(G4-24)

Basis for determining stakeholders are Proximity, Representive, Influence, Dependency, and Responsibility.(G4-25)

CIMB Niaga’s commitment to involving our stakeholders is a strategic policy. The Board of Directors also comprehensively provides direction for the management of stakeholder issues and interests.

The four levels of engagement undertaken by the Company for its stakeholders are empowerment, collaboration, consultation, and communication, in accordance with the AA1000 SES (2006) framework.

RiskManagement[G4-14]

We assess the application of risk management by monitoring risk. We do this by examining risk potential from the self-assessment report and risk profile report, the organization of which is coordinated with the relevant divisions. Some of the risks related to the Company include credit risk, market risk, liquidity risk, operational risk, legal risk, reputation risk, strategic risk, and compliance risk.

Specifically, credit risk is managed through the implementation of an Anti-Money Laundering and Combating Terrorism Financing Program (APU & PPT), which includes the principle of Know Your Customer (KYC). This process is carried out to reduce the possibility of money laundering and financing of terrorism, as well as the emergence of other risks to the Bank. [G4-SO3][G4-SO4]

The due diligence process is also undertaken to ensure the Company is not lending to third parties without official permits or who do not meet the sustainability standards and guidelines set by the Government regarding emissions and environmental management.

During the reporting period, CIMB Niaga was not subject to any penalties and did not violate any laws and regulations related to fair competition, monopolistic practices, environmental impact, impact on health and safety, or the provision of information on products and services, promotions, and banking services. [G4-pR9]

Risk management is an integrated activity for us and is always undertaken from the very first step to the complete end to control and optimize the risk profile against revenue.





Stakeholder engagement in sustainability initiatives during 2015 included:

1. The implementation of various empowerment programs within the Company’s corporate social responsibility (CSR) program in collaboration with third parties / foundations, as follows:a. Empowerment program for stagen (traditional

woven cloth) artisans using the lurik pattern in Moyudan area, Sleman, Yogyakarta. The program is run in close cooperation with Dreamdelion Indonesia Foundation, which gives help by empowering stagen weavers through the provision of sewing machines that support the lurik-design process when making stagen. Through this cooperation, the initially low economic value of the woven stagen has been able to increase through motif development.

b. Information, Communication and Technology (ICT) Literacy Training Program in cooperation with the Indonesian Children’s Welfare Foundation (YKAI) in Jatinegara, East Jakarta.

2. Collaboration between CIMB Niaga and a variety of third party institutions in efforts to increase public awareness and the business growth of CIMB Niaga. The collaborations were as follows:a. Disbursement of CIMB Niaga CSR funds

and CIMB Niaga Sharia Benevolent Funds in collaboration with third party institutions (foundations/ institutions) to organize various community empowerment programs.

b. Collaboration with suppliers involved in the mechanism of goods and services procurement in accordance with the needs of the Company, in which the entire mechanism is governed by the Procurement, Property & Admin Services (PPAS) unit.

c. Collaborating with academia/ universities in the supply of talented human resources for careers with CIMB Niaga. In addition, CSR collaboration took place to introduce the students to banking knowledge through various programs, such as the construction of mini banking laboratories in Vocational University of Indonesia and Indonesian Cooperative Institute (IKOPIN), Bourse Game Laboratory for the University of

Indonesia Management Masters program, as well as student study visits to CIMB Niaga.

3. Relationships with stakeholders also prioritize consultation with the aim of exploring the best possibilities for policies or provisions to be made. Consultations that took place were as follows:a. Consultations with the government/ regulator

implemented by CIMB Niaga through meetings with parties from both national and local governments / regulators specifically with respect to taxation, the company’s business plans and other matters based on company needs.

b. The distribution of CSR funds and CIMB Niaga Syariah Benevolent funds for program implementation must be based on thorough consultation so that program goals can be achieved properly.

c. Consultation with employees via the Labor Union is always carried out by the Human Resources team to support a comfortable and favorable working environment.

d. In relation to customers, CIMB Niaga also organized a series of activities, such as Customer Gatherings and a Customer Satisfaction Survey that aim to provide excellent service to each customer.

4. Aspects of communication required for the smooth running of business. CIMB Niaga implemented various communications, among others:a. Reporting the Company’s performance on a

regular basis in accordance with legislative provisions, among others via the General Meeting of Shareholders, Quarterly Performance Exposures and Bank Business Plan Realization Submission.

b. Company news coverage that presents the performance of operations, finance and social enterprise by applying the principle of disclosure of information. All news coverage related to CIMB Niaga is managed and run by the Media Relations unit in coordination with the mass media, both local and national.

c. Communication with third parties, partners and suppliers are periodically monitored and assessed to maintain the quality of programs, goods and services provided.




SupplierRelations[G4-12][G4-La14][G4-hR10]

Suppliers are business partners who grow and develop with CIMB Niaga. For this reason, the selection and assessment of every supplier is done fairly and transparently, with attention to a number of criteria, including administrative, legal, operational performance, compliance with labor and human rights laws, as well as the relevant regulations and code of conduct in CIMB Niaga.

In the sustainability relationship mapping analysis, the Company’s suppliers were divided into 2 (two) groups.

The first group, is suppliers of general goods and services. For this group, their labor and human rights policies and implementation do not have a direct impact on the Company’s image and cannot be influenced by the Company. Suppliers in this group comprise suppliers of goods and services such as travel services, paper and office buildings that the company rents as places of work.

Thesecondgroup, which are included in this Report, are suppliers of specific goods and services. Unlike the first group, their employment and human rights polices and the implementation thereof can have a direct impact on the company’s image. Their services are also directly related to and dependent on the company’s operations. Suppliers in this second group include suppliers of labor for security, sales and promotion, debt collection, cleaning services, and transportation.

CIMB Niaga implements strict compliance rules on suppliers in the second group, including Bank Indonesia (BI) Regulations related to labor and human rights. This is also strictly upheld in work contracts with relevant suppliers.

There are three aspects of sustainable development: economic, environmental and social.

Economic

Environmental

Social

Suppliers implement a remuneration system in accordance with applicable minimum wage regulations and provide health insurance through enrolment in BPJS (State Social Security provider).

Suppliers have made reductions in the use of water, electricity, paper, and are regreening office areas. Savings in paper use are implemented by using used paper for internal matters. Electricity savings are obtained by turning off lights at break times and when offices are not in use. Buildings rented by CIMB apply the Green Building principle.

Suppliers actively participate in providing educational scholarships to employees’ families, provide financing for religious pilgrimages for employees who excel, and have a minimum recruitment age of 17, or having completed senior high school, when recruiting new staff.





Complianceandassociations[G4-15,G4-16]

CIMB Niaga always complies with all rules and regulations in the fields of governance and business practice, both issued by the Government and based on financial industry standards. CIMB Niaga applies the principle of transparency to financial and non-financial matters, applies risk management and measures performance in accordance with the company’s governance guidelines, which refer to various prevailing regulations and legislation for public companies, including:

a. Bank Indonesia, namely: i. Risk Based Banking Rating (RBBR), ii. Risk Mitigation System;

b. Capital Market and Financial Institution Supervisory Agency (Bapepam-LK);

c. Indonesia Stock Exchange (IDX);d. Corporate Governance Perception Index (CGPI);e. Corporate Governance Ranking issued by Standard

& Poor’s;f. Banking Service Excellence;g. ISO (technology/audit/recruitment/training);h. Salary/Remuneration Survey; andi. Intrusion Detection System.

CIMB Niaga is also an active member of the National Commercial Banks Association (Perbanas), the Indonesian Bankers Association (IPI), and the Indonesian Issuers Association (AEI).

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“Economic development of the

Indonesian nation is an integral

part of the Company’s sustainable

business implementation


Sustainability Governance .30 Environmental Sustainability.46Economic Sustainability .40 Keberlanjutan Ekonomi.40

ECONOMIC SUSTAINABILITy

Indonesia’s macroeconomic conditions throughout 2015 were still not fully conducive due to the post-election influence from 2014. Economic slowdown occurred because of slowing world economic growth and declining commodity exports. Despite not achieving its economic growth target, the Government of the Republic of Indonesia built a strong foundation to accelerate the development of infrastructure and created eight economic policy packages to accelerate economic growth.

The economic slowdown that occurred in 2015 was felt by the banking sector. Many loan disbursements did not correspond with targets. Even so CIMB Niaga was still able to adapt well to 2015’s economic challenges. CIMB Niaga was able to continue economic sustainability while continuing to improve services and internal Bank operations for the convenience and satisfaction of customers and other stakeholders. CIMB Niaga remains optimistic about the banking industry in 2016 for the sustainability of the company’s business and the environment.

CompanyparticipationineconomicGrowthandStateRevenue[G4-DMa]

As a privately owned national bank established 60 years ago, with the fifth largest assets in Indonesia, reaching Rp6.133 trillion per end 2015, CIMB Niaga supported the national economy through both direct and indirect contributions. CIMB Niaga booked net profit as of end 2015 amounting to Rp428 billion.

The company’s largest contribution to the national economy was through the economic chain of investments and services that it offers, as well as financing of the Micro, Small and Medium Enterprise (MSME) sector that continues to grow in Indonesia.

DirectContribution[G4-eC1]

The company’s direct contributions to the state were through the payment of Income tax of Rp285 billion in 2015, a fall of 66.73% on the previous year.





In addition, the company also pays tax on various of its investment activities, including the procurement of goods to support operational activities, as well as other physical investments made by the company.

economicValueDistributedIn millions of Rupiah [G4-eC1]

economicValueachieved 2013 2014 2015

Total Operational Revenue-before tax 13,564,454,00 13,282,859 13,700,954

Operational Expenses (in rupiah billions) (6.495) (6.858) (7.682)

Employee Salaries and other Benefits (in rupiah billions)

(3.229) (3.281) (4.156)

DividendsNo dividends

paid, all recorded as retained profit

No dividends paid, all recorded as retained

profit

No dividends paid, all recorded as retained profit

Taxes (in rupiah billions) (1.535) (856) (142)

Corporate Social Responsibility 18,749 18,987 10.301


Sustainability Governance .30 Environmental Sustainability.46Economic Sustainability .40 Keberlanjutan Ekonomi.40

Indirect Contributions ThroughInvestmentsandBankingServices[G4-eC8]

One of CIMB Niaga’s indirect contributions to the economy and state revenues is through its support for various financing and investment activities that are able to provide a positive impact broadly on economic growth for customers and other stakeholders in the vicinity of CIMB Niaga’s working area. CIMB Niaga believes that providing credit to develop various domestic businesses increases economic activity in the country, improves community welfare and also provides added tax value to the state. Sustainability on the economic side is expected to be maintained and to have a positive effect on the nation and the Indonesian people.

productandServiceReach[G4-FS6]

The company has undergone transformation from a local banking institution to a renowned international banking network in the Southeast Asia region. This has become one of the advantages for CIMB Niaga in the face of the ASEAN Economic Community (AEC). For this reason, the company has continued to improve performance, added to its facilities and branches, as well as increased cooperation with subsidiaries in the CIMB Group both in Indonesia and at the regional level.

The company’s business segments encompass:• ConsumerBanking

The Consumer Banking Unit has continued to develop its credit products, in particular mortgages and motor vehicle loans. For Personal Loans, Credit Cards and Debit Cards, product consolidation and cross-selling has been continued from the previous year to encourage an overall increase in the frequency of product use. In addition, in 2015, CIMB Niaga introduced a number of new products, some of which are the result of cooperation with other parties, such as the OctoPays service, On Account accounts, Plug’n Play system, and premium credit cards.


• CommercialBankingCIMB Niaga’s commercial banking segment encompasses High-End Commercial, Middle Commercial (SME Commercial) and Micro Finance, which has expanded its reach into agriculture, property, manufacturing, infrastructure, property, and tourism.

• CorporateBankingThe Corporate Banking segment at CIMB Niaga serves large corporate customers and bank and non-bank financial institutions by providing credit and financing products, as well as cash management services, trade finance and other services. The Corporate Banking unit also tightly leverages synergies with the Transaction Banking unit and Financial Institutions and Non-Bank Financial Institutions units to provide innovative products and services to meet the needs of the company’s corporate clients.

• ShariaBankingCIMB Niaga understands that Sharia Banking has grown very rapidly in Indonesia. For this reason, CIMB Niaga Sharia business units are available to provide Sharia services through a network of Syariah branches and Syariah service offices (office channeling/ OC) in every branch across Indonesia.

• TransactionBankingTransaction Banking connects the company’s corporate and commercial customers with suppliers, distributors, and employees through distribution routes of their own choosing.

• privateBankingThrough the products and services CIMB Preferred, Private Banking and Wealth Management (PPWM), CIMB Niaga contributes to the national economy by serving the financial and investment needs of individual customers from among the middle class (upper mass affluent) and also high net worth individuals through CIMB Niaga Private Banking in line with Indonesia’s rising economic growth.




RealizedLending[G4-FS6,G4-FS7]CIMB Niaga’s lending focus is on the commercial, retail, corporate, and Sharia segments. At the end of 2015, CIMB Niaga had recorded disbursed loans to corporate and individual customers with total outstanding loans reaching Rp177.3 trillion, an increase of 0.55% from the previous year.

CreditBasedonSegment

CreditbasedonSegment

2013 2014 2015 %difference

Corporate Banking

Commercial Banking

MSME Banking

Consumer Banking

32%

19%19%

29%

2015

Rp trillion Rp trillion Rp trillion 2013-2014 2014-2015

Corporate Banking 43.9 55.4 56.9 26.2 2.74

Commercial Banking 34.1 36.1 34.2 5.7 -5.08

MSME Banking 31.1 34.9 34.2 12.2 -2.03

Consumer Banking 47.9 50.0 51.9 4.4 3.99

Total 157.0 176.4 177.3 12.4 0.55


Micro, Small and Medium enterpriseLoans(MSMe)[G4-FS7]

The MSME sector is one of the focuses of the Indonesian Government to both grow the Indonesian economy and improve welfare. For this reason, CIMB Niaga continues to support sustainable growth in community welfare through specialized banking products for micro and small entrepreneurs through its Mikro Laju units. As of the end of 2015, there were 188 Mikro Laju units in Indonesia with total loans disbursed reaching Rp2.3 trillion, a fall of 24.1% from the Rp3.0 trillion in the previous year. There were a total of 17,512 customers.

Over the last few years, CIMB Niaga has also introduced Islamic banking services that not only support the small and medium-scale economy but also contribute to the achievement of spiritual purpose for individual customers. The Sharia Business Unit in 2015 experienced an increase in total outstanding sharia-based financing of 13%, up from Rp6.45 billion in 2014 to Rp7.3 billion in 2015.

SupportingFinancialLiteracy[G4-FS14,G4-FS16]

To support the government’s Financial Literacy Program, CIMB Niaga has actively participated in teaching financial literacy from an early age. In 2015, CIMB Niaga ran Corporate Social Responsibility programs in eastern Indonesia.

The Bank has provided education in banking to 600 students from two elementary schools, SD Negeri 2 Latihan and SD Negeri 6 Tawiri, as well as two junior high schools, SMP Negeri 3 Gala and SMP Kristen Urimesing. This was part of CIMB Niaga’s continuing campaign called “Ayo Menabung dan Berbagi” (Let’s Save and Share) that was launched in 2011.

Remittance Facilities for IndonesianworkersOverseas(TKI)[G4-FS13]

The company continues to increase its cooperation with various financial institutions with reputable notable reputations, both banks and Money Transfer Operators, in Indonesia and overseas to expand its service network for domestic and overseas remittances.

Specifically for transfer and remittance services for Indonesian migrant workers who are abroad, CIMB Niaga works with CIMB Group through its product “Speed Send”, which is available in 14 countries, including Malaysia, Thailand, Singapore, India, Australia, China, Japan, and others.

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“Environmental Conservation is a

commitment for CIMB Niaga in its

efforts to create an environmentally

friendly life for the future of today’s

generations and future generations

to come


Sustainability Governance .30 Environmental Sustainability.46Economic Sustainability .40 Kerberlanjutan Lingkungan.46

ENVIRONMENTAL SUSTAINABILITy

CIMB Niaga understands that the essence of life and the future of mankind depends on the condition of nature and the environment. This is why every company conducting business and operational activities should be in harmony with its surroundings. Moreover, the challenges of climate change, caused by a lack of attention to the environment in a variety of human activities, has resulted in many companies increasingly focusing on a balance between the 3Ps (people, profit, planet) in all of their business activities. At CIMB Niaga, we are fully committed to environmental sustainability, especially the environment surrounding CIMB Niaga’s operations.

As a company engaged in the banking sector, very few of our operational activities have a direct impact on the environment, in contrast to other business sectors and industries. However, CIMB Niaga still remains committed to paying attention to the environment both directly and by mitigating negative impacts on the environment caused by communities, organizations, businesses, and industry.

CIMB Niaga also adheres with all government regulations regarding environmental policy.

CIMBNiagaCaresfortheenvironment[G4-DMa]

As a banking institution that raises and distributes funds, CIMB Niaga has adopted policies for business management and fund disbursement that take into account environmental aspects. Such policies are known by the term Green banking. The concept of Green banking means that the financial institution always prioritizes sustainability in carrying out its business.

In particular, based on Law No. 10/ 1998 on Banking, Law No. 32/ 2009 on Environmental Protection and Management, and a 2004 Regulation by Bank Indonesia (BI), the Company has undertaken a policy of only lending to those parties that have environmental conservation policies. Through this policy, the Company prevents lending to third parties/ customers/ end-users





who do not have official licenses or who do not meet the standards and guidelines set by the government regarding emissions and environmental management.

To ensure effective implementation, CIMB Niaga conducts site visits to customers and prospective customers and carefully examines whether they have met the required qualifications and conducted basic environmental risk mitigation efforts in their business operations. Furthermore, CIMB Niaga also implements environmentally friendly operations through smart spending, known as Green Office Policies. The application of CIMB Niaga’s environmentally friendly programs is fully supported and implemented from the management level down to employees throughout the Company’s operational offices.G4-eN27

policyGuidelinesandStandards[G4-15]

The basic principles of environmentally friendly banking are to strengthen risk management ability, specifically related to the environment, and to encourage an increase in the financing portfolio for environmentally friendly businesses.

The CIMB Niaga Green Banking policies are based on and refer to:

• Law No. 10/ 1998 on Banking;• Law No. 32/ 2009 on Environmental Protection and

Management;• Bank Indonesia (BI) Regulation in 2004;• Policies of the Indonesian National Council on

Climate Change;• United Nations Framework Convention on Climate

Change (UNFCCC);• United Nations Environment Program (UNEP); and • Equator Principles (EP).




Governmentpolicy[G4-15]

The Indonesian Government’s steps to support a reduction in carbon emissions is reflected in its target to lower carbon emissions resulting from human activities by up to 29% by 2030. As a bank operating in Indonesia for 60 years, CIMB Niaga is determined to fully support the Indonesian government in the realization of its emission reduction target. CIMB Niaga continues to monitor and actively participate in improvements to the green banking framework concept so that these environmental protection policies are implemented based on standards in line with policies and procedures that apply throughout the world.

environmentallyFriendlyCreditpolicy[G4-DMa,G4-FS2,G4-FS3,G4-eN27]

As part of its green banking policy, CIMB Niaga implements the policy of providing environmentally friendly lending to corporate clients to comply with environmental conservation efforts and adhere to Government rules and regulations. The Company requires that prospective commercial clients engaged in processing-based manufacturing, agriculture, mining and large-scale infrastructure development projects have policies and actions in place to manage and mitigate adverse environmental impacts arising from their operations when it analyzes investment credit, working capital loans and banking services.

This policy is in line with the Clarification of Article 8 of Law No. 7/ 1992 concerning Banking, as amended by Law No. 10/ 1998. These regulations, among others, state that one matter to be considered in the provision of credit is the result of the Environmental Impact Assessment (EIA/ AMDAL) for large-scale and/ or high risk enterprises. The EIA requirement is also noted in Law No. 23/ 1997 on Environmental Management and Government Regulation No. 27/ 1999 on EIA.

If an EIA has not been provided by the prospective debtor, it indicates the absence of adequate environmental management planning, and thus bears the risk of causing harm and environmental problems at a later date. This of course, implies the risk of forced discontinuation of the debtor company’s operations, risk to its business continuity and its ability to repay its loans.

SmartSpendingpolicy [G4-DMa,G4-eN6,G4-eN19]

CIMB Niaga, through its Cost Management and Control Unit, applies the Smart Spending Policy, which a development of previous policies that have been in place since 2009. Smart Spending is an environmentally friendly operational policy that also has an impact on the Company’s operational savings or efficiencies. CIMB Niaga can report that through the implementation of this policy, the use of fuel, electricity and paper have been reduced thus leading to an environmentally friendly company.





CIMBNIaGaSmartSpendingefficiencyprogram(G4-DMa,G4-eN6)

VehicleLeasingWhen vehicles are leased, consideration must be made to lease more efficient vehicle types, able to transport larger numbers of passengers, in good condition and not more than one year old at the start of the lease period. The objective is to reduce emissions, reduce the number of vehicles required for out of town trips and reduce transportation costs.

StandardizingpaperSizeCIMB Niaga has set a standard paper size of HVS A4 70 gram for daily requirements (photocopying, memos, and printing documents). This policy also supports maximizing the ability to use both sides of the paper. The objective is to reduce paper waste and facilitate transportation of paper waste for recycling by a third party.

promotingtheUseofe-StatementsAs the digital era develops and the government upholds its vision for Indonesia to be the largest digital economy in ASEAN, CIMB Niaga is working to bring this to fruition. Our aim is for all types of reports to customers (Giro Statements, Educational Saving Reports, Credit Card Statements, etc.) to be e-statements (paperless). The objective is to reduce the use of paper and the cost of delivery, which is also related to reducing emissions levels from transportation.

LimitingUseofelectricityAuthorization of after-hours electricity consumption is maximized to only two (2) hours overtime. The objective of this policy is to control the use of electricity. Furthermore, CIMB Niaga is saving electricity through the use of energy-efficient electrical installations (light bulb types, zoning, light positioning, etc.) and air conditioning load for overtime. In addition to reducing emissions from electricity use, working hours are more effective and overtime is reduced.




GreenOfficeThe Smart Spending Policy directly supports the Green Office Program which is part of the Company’s plan to participate in the Green Banking Industry in the future and has the objectives of:1. Demonstrating CIMB Niaga’s care for the

environment. 2. Increasing work productivity and Smart Spending

efficiency.3. Improving the public view of the CIMB Niaga brand

image. 4. Educating employees to participate in caring for

the environment at work and at home. 5. Creating a unique, beneficial and sustainable

corporate strategy.

The Green Office policy consists of 3 (three) main types of activity:• Recycle Program

o In cooperation with third parties for office waste management, handling paper, organic and non-organic waste for recycling.

o Composting organic waste for personal use or for sale.

o This program is being gradually implemented in all head office and branch networks.

• Less Paper Office Programo The optimal use of Multifunction Printers

(MFP) for direct scanning, fax or e-mail without the need to print or duplicate documents.

o Units/ groups using MFP are required to return or re-allocate their conventional photocopy machines, fax machines, scanners and printers to other users, with the exception of printers in group head offices.

o Gradual implementation of e-statement/ e-billing, starting with internal reports and working toward all customer reporting and billing.

o Optimal use of used paper to print documents or to photocopy internal documents.

o Optimizing use of scanners, e-mail, and the company’s internal website to reduce printing of brochures, company news magazine and other internal communications to employees.

o Printing on both sides of a sheet of paper wherever possible and when the printer facility allows for this.

o Printing in draft quality to save printer toner.

• Energy Saving Program o Turning off lights/ electrical appliances not in

use outside of office hours. o Turning on energy saving features for all

electrical appliances and computers that have them, e.g. screensavers or power saving mode for computers, LCD, projectors, AC, and so forth.

o A requirement to use fuel efficient vehicles.o A requirement to use teleconferencing and

video conferencing for meetings where participants are in distant locations.

GoGreenCIMB Niaga implements certain activities that are undertaken throughout all CIMB Niaga work units, entitled Use Smart, Save Costs. The aim is to campaign for more environmentally friendly banking operation policies. CIMB Niaga has also designed banners, posters and e-mail blasts directed at all levels within the Bank to encourage compliance and implementation with the more environmentally friendly banking operations policy initiative.

CIMB Niaga has demonstrated full commitment to environmental conservation through a variety of community activities. This is emphasized in the strategy implementation of the 2015 CSR programs. The activities carried out are diverse, ranging from tree planting, to environmental awareness programs/ greening education, promoting clean and healthy lifestyles, and other CIMB Niaga Environmental Care Programs.





BambooForestConservationSince 2012, CIMB Niaga and KEHATI Foundation have provided support to groups of farmers in Batungsel Pupuan village in Tabanan (Bamboo Alam Lestari Group) and Taro Patas village in Gianyar (Pemulan Group) with the planting of 4,000 hardy bamboo trees in an area of degraded land, as well as around the groups’ plantations. Conservation of this economically and ecologically valuable hardy bamboo (bamboo tabah) in Bali conserves water, soil, and degraded land.

At the end of 2015, the group in Taro Patas village, Gianyar will start its first harvest and the group has agreed to begin developing a household-scale industry to process bamboo shoots, which will be marketed to eco-tourists and buyers from outside the area as these bamboo shoots are currently in high demand, especially by hotels and restaurants.

In follow up, we are cooperating once more with KEHATI to continue the program that has been implemented. During December 2015, the following was accomplished:1. Planting of 4,000 (8 hectares) hardy bamboo

in Gambuk hamlet, Padangan village, Pupuan, Tabanan, Bali to improve the land.

2. Teaching farmers about cultivation and post-harvest processing of bamboo shoots.

3. The establishment of an village-scale industry for bamboo shoot-based products.

Planting Expansion Location:1. Pupuan sub-district, at the west end of the regency,

bordering Buleleng, the topography for which is a height of 700-1,000 meters above sea level, and which consists of 14 villages with 57 hamlets.

2. Planned hardy bamboo development in Gambuk hamlet, Padangan village, one of the villages in Pupuan with a height of ± 800 meters above sea level. There are approximately 14 hectares of critical land suitable for the bamboo native to Tabanan, bamboo tabah, to be grown. There is a spring toward the bottom of the land, which, with bamboo grown on the land above it, will strengthen and ultimately be usable as drinking water for the people of Padangan village, which is about 1 kilometer from the location; there is currently a water crisis in the village.

3. Bamboo tabah will be grown by Bamboo Alam Sejahtera (BAS) Group, which was formed specifically to cultivate bamboo from upstream to downstream in one system.

4. So far, BAS has been promoting the commercial benefits of bamboo to the farmers. This intensive work has included a bamboo nursery, especially for hardy bamboo, while downstream activities include processing bamboo shoots, which is carried out by the farmers’ wives, who are members of the Tunas Bambu Cooperative.

5. The bamboo shoots being processed are from the BAS farmers’ group itself and other local communities who grow bamboo tabah. The cooperative buys the bamboo shoots and sells the processed result. The cooperative’s members are the farmers’ groups, their wives and other members of the community.

CIMB Niaga Cares

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“CIMB Niaga Cares is a genuine

contribution by CIMB Niaga to

assist the Government improve

social welfare and increase the

quality of life in communities



CIMB Niaga has been operating for 60 years, born and established as an integral part of this country’s economy. The company has grown and expanded in line with the improved welfare of the Indonesian people, supported by Corporate Social Responsibility (CSR) activities.

In supporting community development and empowerment, we have sustainably taken the initiative to develop our Corporate Social Responsibility/ CSR. These activities are based on various regulations stipulated by the Government and by our company, including the following:a. Presidential Instruction RI No. 6/ 2007 on Policies

to Accelerate Development in the Real Sector and Empower MSME through CSR programs engaged in Financial Literacy and Education for the Public.

b. Law No. 40/ 2007 on Limited Liability Companies.c. Bank Indonesia Regulations on banking education. d. Financial Services Authority Circular No. 1/

SEOJK.07/ 2014 on the Requirement for Financial Service Institutions to Provide Financial Education.

CIMB NIAGA CARES[G4-DMa]

e. CIMB Niaga Internal Policy on Customer Protection and the Provision of Information/ Data/ Documents to Outside Parties-Product and Service Transparency, implemented through CSR activities in Banking Financial Literacy and Education, etc.

To facilitate control and the effectiveness of these CSR programs, we established a program called CIMB Cares, which is CIMB Niaga’s genuine contribution to support the government to improve social welfare and increase the quality of life in communities. CIMB Niaga Cares improves community abilities to be more independent through development and empowerment programs.

We believe that our company’s progress and development is determined by the environment in the vicinity of our company’s operations. The increasing prosperity of local communities is directly proportional to increased value and business in a company.



CIMB niaga Cares

CIMB Niaga Cares.56

CIMB Niaga Cares

Further, CIMB Niaga encompasses environmental conservation programs that are based on a variety of environment-related problems and issues that occur in Indonesia.

In carrying out our CSR activities, CIMB Niaga neutrally implements the principle of independence for stakeholders. We uphold the principle of independence with the objective that decisions and implementation are not influenced by certain parties. To ensure the principle of independence, all CIMB Niaga’s CSR programs are implemented transparently by the company. CSR program planning and implementation undergoes ongoing monitoring and assessment by CIMB Niaga to ensure that the CSR programs we implement have a positive impact that is both measurable and targeted.

programStrategyandImplementation[G4-eC8][G4-SO1]

CIMB Niaga Cares encompasses sustainable programs that are in harmony with the Bank’s strategic business. CIMB Niaga Cares is implemented with the focus to serve from the heart, to be close to all customers, including the wider community. These programs are implemented with the objective of having a constructive long-term impact that empowers people.

The focus of the CIMB Niaga Cares program is divided into four pillars:

1.education – CIMB Niaga encourages quality education, focused on gifted talent and educating the public on the importance of banking in their lives.



2.Community Development and empowerment – CIMB Niaga participates in improving the quality of life, encouraging empowerment so that communities can progress and be independent.

3.environment – as a corporate citizen, CIMB Niaga shares the responsibility of maintaining and conserving the environment for future generations.

4.philanthropy – CIMB Niaga is committed to allocating funds and disbursing funding through CSR donations.

In 2015, CIMB Niaga Cares Implemented Various CSR Programs with Total Funding of Rp24,705,655,354,- Details of this CSR Funding are as Follows:

CSR Funding 2013 2014 2015

Education 7,038,553,407 5,117,216,172 7,159,607,198

Community Development and Empowerment

2,430,170,153 463,027,500267,790,609

Philanthropy 1,561,154,656 4,249,221,035 1,510,971,261

Donations 334,900,000 576,479,875 769,098,410

Environment 764,530,405 88,650,316 57,576,900

Qordhul Hasan CIMB Niaga Sharia 5,466,347,410 7,357,864,835 14,705,655,354

CSR Activities 1,153,222,220 1,134,572,600 168,530,000

Total 18,748,878,251 18,987,032,333 24,639,229,732

Education

EnvironmentPhilanthropy

Community Development

and Empowerment

CIMB Niaga Cares



CIMB niaga Cares

CIMB Niaga Cares.56

eDUCaTION[G4-SO1][G4-FS16

The main focus of the CIMB Niaga Cares program implementation in Education. The CIMB Niaga Cares education program is divided into two major programs, namely the Scholarship and Education Program and Community Education in Banking.

Scholarshipprogram[G4-eC8][G4-SO1]

The Scholarship Program is the largest program within CIMB Niaga Cares and is provided to students at all educational levels, from basic education to higher education and skills training.

Through this scholarship program, we hope that scholarship graduates develop the necessary skills and abilities and fulfill standards for various fields of work. The Scholarship Program is manifestation of CIMB Niaga’s real commitment to social and welfare development in society.

The Scholarship Programs offered by CIMB Niaga include:

1. Beasiswa Unggulan (BU Scholarships)CIMBNiaga(LocalUndergraduateDegree)CIMB Niaga has been running this scholarship program since 2006. In 2009, based on the principle of developing and implementing this program in a better way, the Company has been cooperating with the Education and Culture Ministry for the Outstanding Achievements Scholarship (BU) Program, which is aimed at high school and high school equivalent students so they can continue their education to undergraduate (S1) level at renowned Indonesian universities, namely University of Indonesia (UI), Bandung Institute of Technology (ITB), Padjajaran University (UNPAD), Bogor Agricultural Institute (IPB), Diponegoro University (UNDIP), Gadjah Mada University (UGM), Brawijaya University (UB), Sepuluh Nopember Technology Institute (ITS), North Sumatera University (USU), Hasanuddin University (UNHAS), Jenderal Soedirman University (UNSOED), Riau University (UNRI), Andalas University (UNAND), Lampung University (UNILA), Udayana University (UNUD), and Sam Ratulangi University (UNSRAT).

The mandatory selection process included complete candidate administrative data, a written test involving academic ability, English language and psychology, an interview and test verification through a site visit. As of this year, a total of 315 students had received CIMB Niaga BU Scholarships.

CIMB Niaga does not merely provide scholarships, CIMB Niaga pays attention to our scholarship recipients and takes the time to meet them to determine their conditions and obtain feedback on the scholarships granted by CIMB Niaga. We visited student recipients of the CIMB Niaga BU Scholarships in several cities, among others Bandung on 18 April 2015, Surabaya on 5 June 2015, Medan on 1 August 2015 and finally in Yogyakarta on 8 October 2015. This monitoring will continue so as to maintain the quality of the CIMB Niaga BU Program, while it is also expected to trigger and continue to provide motivation and enthusiasm for learning in the awardees so they continue to work hard and achieve to ensure a bright future.

CIMB Niaga Cares

2. CIMB Niaga Scholarship (OverseasUndergraduateprogram)This scholarship is provided to high school or equivalent students to continue their education to bachelor degree (S1) level in Malaysia and is offered in cooperation with the CIMB Foundation.



CIMB Niaga Cares

The 2015 Khazanah Scholarship recipient selection process was conducted at the Khazanah Asia Scholarship 2015 Asian Assessment Camp. The event was held on Monday and Tuesday, 16-17 February 2015, at the Millennium Hotel Kebon Sirih, Jakarta. In this selection process, three Indonesian students were selected as Khazanah Asia 2015 Scholarship recipients and have the right to continue their S2 education at top universities in Malaysia.

4. Beasiswa Unggulan Teknologi Industri Kreatif(BUTIK) CIMB Niaga Local-UndergraduateDegreeThis scholarship program is aimed at entrepreneurial students to increase the entrepreneurial spirit in Indonesian students. This program has been run in cooperation with the Education and Culture Ministry since 2012. In 2015, CIMB Niaga opened this program again to students across Indonesia. As many as 58 candidates were selected and ultimately 40 were awarded the 2015 BUTIK CIMB Niaga Scholarship.

This scholarship covers educational fees, which are paid by the Education and Culture Ministry, while the CIMB Niaga segment of the scholarship is venture capital subsidies to expand student businesses and a monthly cost of living allowance until the students graduate from university and Business Development Programs.

Since the launch of this scholarship program in 2008, a total of 15 Indonesian students have had the opportunity to undertake bachelor degrees in several Malaysian Universities, including University of Malaya and Universitas Kebangsaan Malaysia (UKM). After completing their education, recipients of the CIMB Niaga (S1 Overseas) Scholarship are given the opportunity to have a career and contribute to CIMB Niaga through various Management Training Programs.

3. KhazanahasiaScholarship(OverseasMastersDegree)This scholarship program is offered to Indonesian students to continue their education with a masters (S2) degree in Malaysia in cooperation with the Khazanah Foundation. The requirements to take part in this scholarship program are a GPA minimum of 3.5/ 4.0 and good written and verbal ability in the English language.

The selection process includes Complete Candidate Administrative Data, participation in the assessment camp covering reasoning ability test (Verbal and Numerical), personality profiling test, moral reasoning test and Focus Group Discussion (FGD), which is followed up by an interview with the Khazanah Foundation and CIMB Niaga management.



CIMB niaga Cares

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CIMBNiagaBUTIK&BUGuruScholarshipsawards2015andCIMBNiagaBUScholarships2010Graduation

Friday, 18 December 2015, the bank held a CIMB Niaga 2015 BUTIK Award Ceremony and CIMB Niaga BU 2010 Graduation Ceremony at Graha CIMB Niaga Sudirman. Both these CIMB Niaga Scholarships are

run in collaboration with the Education and Culture Ministry of the Republic of Indonesia (KEMENDIKBUD RI). A total of 40 CIMB Niaga 2015 BUTIK Scholarship students were present to receive their scholarship directly from L. Wulan Tumbelaka (Compliance, Corporate Affairs and Legal Director), P. Pandji Djajanegara (Chief Sharia Banking) and Suharti (Head of Planning and Overseas Cooperation from KEMENDIKBUD RI). The event was followed by a Graduation Ceremony for the 2010 CIMB Niaga BU students in honor of their graduation and to provide the graduates with the opportunity to contribute through a professional career with CIMB Niaga. In addition, the 2015 Beasiswa Unggulan Guru (BU Guru) CIMB Niaga was also unveiled, which is provided to teachers to continue their studies at S2 level at several leading Indonesian universities. This scholarship is CIMB Niaga’s way of showing concern for the advancement of education in Indonesia through teacher education.

CIMB Niaga Cares



CIMB Niaga Cares

5. CIMBNiagaSampoernaacademyScholarshipThis scholarship program has been run in cooperation with the Putera Sampoerna Foundation (PSF) since 2011 and is awarded to 25 students at SMAN 1 Bali Mandara, Singaraja in Bali.

The education provided by Sampoerna Academy (SA) is based on two curriculums, the International General Certificate of Secondary Education (IGCSE) from Cambridge University and the Indonesian Standard National Education, and is supported by non-academic life skills programs like entrepreneurship, leadership, and the Learning to Live Program.

6. CIMB Niaga Koperasi Kasih Indonesia (KKI)ScholarshipThe CIMB Niaga Koperasi Kasih Indonesia (KKI) Scholarship Program has the objective of encouraging scholarship recipients to focus better and take responsibility for their school achievements, in particular students at vocational high schools (SMK). This scholarship program is run with Koperasi Kasih Indonesia (KKI) and was launched in 2013; it has been awarded to nine students in vocational high school, who are the children of Koperasi Kasih Indonesia (KKI) members.

The monitoring process for this program continues to date to ensure that the KKI Scholarship Program runs well and that all the recipients can complete their education on time.

7. CIMB Niaga Institut Koperasi Indonesia(IKOpIN)ScholarshipThis scholarship program has been run with the Institut Koperasi Indonesia (IKOPIN) since 2013 and was awarded to six students studying three-year diplomas (D3) in Management with Financial Management majors.

The monitoring process for this program continues to date to ensure that the scholarship program runs well and that all the recipients can complete their D3 education with IKOPIN on time. In addition, to support the teaching process at IKOPIN, CIMB Niaga provides support through Mini Banking, which is used to provide IKOPIN students, especially banking students, with practical training.

8. University of Indonesia-Faculty of economics(FeUI)CIMBNiagaScholarshipforemployeesThis program is provided to CIMB Niaga employees with outstanding academic excellence wishing to continue their university education at bachelor, master or doctorate level at the Economics Faculty of the University of Indonesia. Since 2009, these scholarships have been awarded to 26 recipients, consisting of one student at bachelor level and 25 at master level.

9. BeasiswaUnggulanGuru(BUGuru)CIMBNiagaThe 2015 Beasiswa Unggulan Guru (BU Guru) CIMB Niaga is provided to teachers to continue their studies to S2 level at several renowned universities in Indonesia. These scholarships are provided in collaboration with the Education and Culture Ministry to improve the quality of education and financial literacy understanding for teachers in Indonesia. These scholarships are CIMB Niaga’s way of demonstrating its concern for the advancement of education in Indonesia through teacher education. In 2015, there were 60 teachers selected to receive this scholarship and provided the opportunity to continue their education with a master degree at North Sumatra University (USU), Gadjah Mada University (UGM), Hasanuddin University (UNHAS), and Padjadjaran University (UNPAD).



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CIMB Niaga Cares

As of 31 December 2015, a total of 560 people had received CIMB Niaga Scholarships, with details as follows:

TotalCIMBNiagaScholarshipRecipients

No Scholarshipprogram LevelandLocation period TotalRecipients

1 CIMB Niaga BU Scholarship S1, Local 2006-2014 311

2 CIMB Niaga Scholarship-CIMB Foundation S1, Malaysia 2008-2011 15

3 CIMB Niaga BUTIK Scholarship S1, Local 2012-2015 92

4 CIMB Niaga BU Guru Scholarship S2, Local 2015 60

5 Khazanah Asia Scholarship S2, Malaysia 2010-2015 15

6CIMB Niaga Employee Scholarship-Economics and Business Faculty at University of Indonesia (FEB UI)

S1, S2 and S3 at University of Indonesia

2009-2014 27

7 CIMB Niaga Sampoerna Academy Scholarship High School (SMA) 2011-2013 25

8 CIMB Niaga KKI ScholarshipVocational High School (SMK)

2013-2015 9

9 CIMB Niaga IKOPIN Scholarship Diploma 2013-2015 6

Total 560

2015 2014

Total scholarship recipients 103 53 People

Total scholarship value 4,475 4,488 Rp billion

Total graduates 61 58 People

CIMB Niaga will continue its scholarship program on an ongoing basis, as a way of participating in improving the nation’s intelligence. CIMB Niaga believes that these programs will improve the quality of life and wellbeing in society for the better.

Furthermore, we organize activities and meetings to strengthen our relationship and communication with all our scholarship recipients, both those who have graduated and those still in the education program. This means that CIMB Niaga can continue to monitor the awardees and does not just abandon them, thus CIMB Niaga can witness their academic and non-academic success and development. There are several initiatives for CIMB Niaga scholarship recipients, including:

BusinessDevelopmentprogram(BDp)We conduct a routine annual event for recipients of the CIMB Niaga BUTIK scholarships, known as the Business Development Program (BDP), which was held from 26 to 28 November 2015 and had 25 participants who had received BUTIK scholarships in the classes of 2013 and 2014.

BDP participants received materials and experiences to add to their knowledge and prepare for the business world, such as Business Motivation Training led by expert Muhammad Syafii Antonio-Chairman of the Tazkia Islam Economics College (STEI), business visits to Lele Biofloc and industrial ceramics/ pottery businesses in Depok, as well as material on how to develop creative businesses. Furthermore, BDP participants also gained business insights regarding access to capital for entrepreneurs and Social Entrepreneurship material by Chaerani Putri, CEO and Founder of GerakCepat.com/ Head of Ideafest 2015 Competition.

CIMB Niaga hopes that the training provided in the Business Development Program will help the BUTIK recipients excel not only academically but also motivate them to continue expanding their businesses. CIMB Niaga is also ready to be their friendly business partner and provide them with the best financial solutions.



CIMB Niaga Cares

InvolvementofCIMBNiagaScholarshipRecipientsinCorporateactivitiesSince its launch in September 2014, the CIMB Niaga Scholarship Association has had the objective of being a medium of communication for all CIMB Niaga scholarship recipients. The formation of this bond is a form of sustainability organized and provided by the company to imbue a sense of belonging in CIMB Niaga scholarship recipients. Through this, positive synergies are created between the scholarship recipients and the company, especially in the wide variety of social and corporate activities held by the Company.

CIMB Niaga invites its scholarship recipients to participate in various corporate activities, including: Tour de Bank in Bandung on 18 April 2015, Surabaya on 6 June 2015 and Medan on 1 September 2015.

Internship program for CIMB Niaga ScholarshipRecipients

publiceducationinBanking[G4-FS16]

CIMB Niaga has sustainably and consistently implemented banking education programs. It is important to us to always provide knowledge of banking as this is in line with our business. It is also in line with the financial inclusion program mandated by the government to improve financial access for all of Indonesian society.

Therefore, we have conducted various banking education activities aimed at improving knowledge and financial access for the Indonesian public, including:

TourdeBankTour de Bank provides community education on banking and consists of visits by elementary school students to the company’s branch offices or other supporting network facilities. The students are given exposure to various important and practical matters in the banking world, for example using an Automatic Teller Machine (ATM), Cash Deposit Machine (CDM), Safe Deposit Box (SDB), the duties and function of the tellers and customer service, as well as knowledge of banking products through a range of interesting, educational and fun activities.

During 2015, the Tour de Bank Program had 1,194 participants in several cities, namely Jakarta, Bandung, Surabaya, and Medan.

In an effort to provide professional careers for scholarship recipients, CIMB Niaga provides the opportunity to contribute in CIMB Niaga through apprenticeship programs administered by Corporate Affairs in collaboration with Human Resources - Learning and Talent Development. Apprentices are those scholarship recipients that have graduated from university and choose work experience with CIMB Niaga.



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Following are Details of Tour de Bank Participation in 2015:

No. City SchoolName participants

1 Jakarta SD Budi Mulia 2 Bintaro 66

SDI Raudah Bintaro 52

SDN 01 Karet Tengsin 50

Alam Bintaro School 50

Sumbangsih School 50

KIDEA SchoolKebayoran Lama

26

SDIT Al-Azkar 50

SDN Lebak Bulus 03 50

SDN Meruyung 01 Pagi 50

2 Bandung SD Gagas Ceria 20

SD Maria Bintang Laut 50

SD Kuntum Cemerlang 15

SD Pelita Nusantara 50

SD Bina Bangsa 50

Orphanage Foundation Badung

15

3 Surabaya SD Santa Maria 50

SD Laurent 50

SD Mentari Kasih 50

Littlesun School 50

Al Qoiriah School 50

St. Yusuf Tropodo 50

4 Medan SD Al-Hakim Pesantren Hidayatullah

50

SD Yayasan Musabbhin 50

SD Harapan 3 Medan 50

SD Methodis 3 Medan 50

SD Santo Yosef Medan 50

GrandTotal 1194

Let’sSaveandShareprogramCIMB Niaga is committed to supporting the government’s Financial Literacy and Education Program for the public. The bank believes that a society that is aware of and understands financial management has a better chance of achieving success and a decent quality of life. CIMB Niaga demonstrates this commitment through a program called “Ayo Menabung dan Berbagi” (AMDB-Let’s Save and Share), which has the objective of teaching school children and the public to foster a culture of saving from an early age. In addition to saving, the students and public are also invited to demonstrate their empathy and sympathy through sharing, so that they can help disadvantaged children have access to a better education.

In the AMDB Program, school children are invited to take part in a variety of interesting, educational and fun activities, such as video games and the Run Banking Run Puzzle, which is a game designed to provide the children with insights about the concept of saving and other matters related to finance and banking. In addition, they are also invited to serve as bank officers and customers in the game Mini Banking Role Play. Furthermore, they are also encouraged to take part in tree planting as an analogy for saving, where saving is equal to planting. To get a good crop, the planting and care need to be right, which is the same as with saving money to get the maximum benefit; tenacity is required to set aside money for savings.



CIMB Niaga Cares

Since its launch in 2011, as of 31 December 2015, the AMDB Program had involved 28,493 school children in various elementary and junior high schools across Indonesia in saving while sharing. During 2015, CIMB Niaga invited 5,859 school children to actively participate in the AMDB program, which was held in 28 elementary schools and 12 junior high schools in 10 cities in various areas of Indonesia. AMDB is also implemented as a City Invasion involving 26 elementary schools in four cities and educating 1,194 school children through Tour de Bank. In addition, AMDB also took place in 60 areas across Indonesia to celebrate CIMB Niaga’s 60th anniversary; this involved 50 elementary schools and 10 junior high schools with 6,574 school children participating.

Total donations in 2015 reached Rp140,208,211, which received top up funds from the management amounting to Rp154,207,589, bringing the total amount of funds to Rp300,000,000.

The AMDB Program and associated funds raised were reported in the 2015 Let’s Save and Share Accountability event and the funds raised were disbursed to Indonesian Heritage Foundation (IHF) and Kasih Indonesia Cooperative, which both have a strong commitment to improving the quality of education for Indonesian children.

YearTotalSD

TotalSMp

TotalTotal

StudentsTotalStudentDonations*)

TotalpublicDonations*)

CIMBNiagaTopUp

TotalDonations

2011 24 0 24 3,780 Rp11,494,500 Rp45,359,380 Rp43,146,120 Rp100,000,000

2012 20 0 20 3,253 Rp13,447,000 Rp357,615,363 Rp250,000,000 Rp621,062,363

2013 28 0 28 4,133 Rp19,967,400 Rp275,128,823 Rp10,808,277 Rp305,904,500

2014 30 0 30 3,700 Rp7,763,800 Rp211,579,340 Rp80,656,860 Rp300,000,000

2015 28 12 40 5,859 Rp5,584,200 Rp140,208,211 Rp154,207,589 **) Rp300,000,000

City 2015 26 0 26 1,194 Rp- Rp- Rp- Rp-

CIMB Niaga Anniversary

50 10 60 6,574 Specifically in 2015, on CIMB Niaga’s 60th anniversary, CIMB Niaga held the AMDB Program in 60 locations

TOTAL 206 22 228 28,493 Rp58,256,900 Rp1,029,891,117 Rp538,818,846 Rp1,626,966,863



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Participation in the AMDB Program in 2015 was as Follows:

No. City Date SchoolName participants Donation

1 Jambi 11-12 August 2015

SD Sari Putra 161 Rp630,500.00

SD Unggul Sakti 150 Rp -

SD Bina Kasih 107 Rp -

SMP Xaverius 2 Jambi 146 Rp -

2 Kudus 20-21 August 2015

SD Masehi 145 Rp -

SD NU Muslimah 150 Rp -

SD Cahaya Nur 132 Rp1,361,700.00

SMP PGRI 150 Rp -

3 Mataram 25-26 August 2015

SD Cakranegara 2 148 Rp -

SD Model International Mataram 150 Rp231,500.00

SD K Antonius 150 Rp238,000.00

SMP Negeri 2 Mataram 160 Rp -

4 Denpasar 2 - 3 September 2015

SD Saraswati 2 150 Rp645,000.00

MI Hidayatullah 190 Rp -

SD Soverdi 150 Rp -

SMP Negeri 1 Kuta 150 Rp -

5 Bandar Lampung

16 - 17 September 2015

SD Xaverius 155 Rp225,000.00

SD Boddisatva 120 Rp -

SD Imanuel 166 Rp -

SMP Katolik Immanuel 165 Rp -

6 Jember 21 - 22 October 2015

SDN Jember Lor 3 150 Rp842,600.00

SDK Maria Fatima 150 Rp913,000.00

SD Al-Furqon 161 Rp -

SMPK Santo Petrus 150 Rp -

7 Ambon 28 - 29 October 2015

SD Negeri 2 Latihan 150 Rp366,000.00

SMP Negeri 3 Ambon 150 150 Rp -

SD Negeri 6 Tawiri 150 Rp130,000.00

SMPK YPKPM Ambon 150 Rp -

8 Samarinda 24 - 25 November 2015

SDN 017 Samarinda 150 Rp -

SMPN 07 Samarinda 130 Rp -

SD IT Al-Firdaus (Yayasan Uswatun Hasanah)

120 Rp -

SDN 011 Samarinda 158 Rp -

9 Jakarta 4 December, 14 December

SD Mentari School Brawijaya 100 Rp -

SMP Kanaan, Kemayoran 150 Rp -

Yayasan BIMTA Sahabat 125 Rp -

Sekolah Bina Kheir 170 Rp -

10 Palembang 15 - 16 December

SMP Xaverius Maria Palembang 120 Rp -

SMP Palembang Harapan 175 Rp -

SD Frater XAV 2 Palembang 120 Rp -

SD IT Bina Ilmi Palembang 135 Rp -

Total GrandTotal 5,859 Rp5,584,200.00



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Participation in the AMDB Program to Celebrate CIMB Niaga’s 60th Anniversary was as Follows:No. BranchName SD SMp SchoolName Date participants Volunteers

1Balikpapan-Ahmad Yani

1 -SD Kemala Bayangkari Balikpapan

15 October 2015 75 22

2 Banda Aceh 1 - SDN 67 Percontohan 3 October 2015 100 12

3 Banyuwangi 1 - SDN Model Banyuwangi 12 September 2015 120 9

4Batam-Lumbung Rezeki

1 - SDK Tabqha 9 October 2015 150 7

5 Bojonegoro - 1 SMPN 03 Bojonegoro 10 October 2015 100 15

6 Cilacap 1 -SD Sidakaya 03, 04, 05, 06, 10

26 October 2015 100 14

7 Padang-KCP Yamin

1 - SD Murni 19 November 2015 45 7

8 1 - SD Setia 17 November 2015 76 8

9 Siliwangi-Cirebon 1 SMP Santa Maria 30 October 2015 100 10

10 CNC Jakarta 1 - SD 01 Pegangsaan 7 October 2015 100 10

11

CNC Jawa Barat

1 - Madrasah Nurul Islam 3 October 2015 35 8

12 1 - Madrasah Sabilius Salam 4 October 2015 65 10

13 1 - Madrasah Nurul Huda 4 October 2015 30 10

14 1 - Madrasah Al Ikhwan 10 October 2015 50 8

15 1 - Madrasah Bakru Shalihat 10 October 2015 93 8

16Jakarta-Mangga Besar

1 - Kristen Kanaan School 30 September 2015 105 10

17KCS Gatot Subroto Bandung

1 - SD Al Azhar 8 October 2015 50 8

18 KCS Batam 1 - SD Hang Tuah 24 October 2015 100 12

19KCS Kelapa Gading

1 - SDI Al Wathoniyah 2 24 October 2015 110 10

20KCS Medan

1 - Shafiyatul Amaliyah School 10 October 2015 60 3

21 1 - Harapan Medan School 31 October 2015 160 4

22KCS Menara Sudirman

1 - SA Bintaro 5 October 2015 100 9

23KCS Padang

1 - SDIK Makkah 6 October 2015 80 7

24 1 - SDIK Makkah 8 October 2015 108 6

25 KCS Pekanbaru 1 - SD IT Al-Fitiyah 19 October 2015 99 4

26 KCS Pondok Gede 1 - SDI Nur Hikmah 21 October 2015 120 4

27 KCS Samarinda 1 - SD Al Firdaus Samarinda 28 September 2015 135 8

28 KCS Serpong 1 - Ponpes Tahfisul Qur’an 18 October 2015 150 4

29 Kebumen 1 -SD Muhammadiyah Kebumen

8 October 2015 100 10

30 Kendari 1 - SDK Pelangi 26 September 2015 110 10

31 Ketapang 1 - SD Santo Yusuf 17 October 2015 100 10

32 Kudus 1 - SDK Cahaya Nur 23 October 21015 100 10

33 Madiun - 1MTs Terpadu Bina Putra Cendekia

2 October 2015 100 5



CIMB Niaga Cares

No. BranchName SD SMp SchoolName Date participants Volunteers

34 Magelang 1 - SD Tarakanita 22 October 2015 80 8

35Makassar-Ahmad Yani

1 - SD Patompo 2 10 October 2015 100 11

36 Malang-Basuki Rahmad

- 1MTs Muhammadiyah 2 Malang

26 November 2015 120 7

37 1 - SD Insan Amanah Malang 25 November 2015 120 7

38Malang-Merdeka

1 - SDK Santa Maria II 13 October 2015 120 11

39 1 - SDK Kolese Santo Yusup 8 October 2015 120 11

40 Manado 1 - SD GMIM 24 Manado 5 October 2015 96 16

41 Mataram - 1 SMP Negeri 1 Mataram 19 October 2015 150 10

42 Padang-Pondok 1 - SD Agnes Teresia 23 October 2015 87 13

43 Samarinda 1 - SDN 004 Samarinda 10 October 2015 158 5

44Semarang- Cendrawasih

1 - SD Sultan Agung 2 9 October 2015 100 10

45Semarang-Gajahmada

- 1 SMP Perdana Semarang 6 October 2015 100 6

46Solo-Slamet Riyadi 136

1 - SDK Widya Wacana 2 12 October 2015 92 10

47 Tanjung Pinang 1 - Pelita Nusantara School 2 October 2015 100 10

48 Tarakan - 1 SMP 1 Tarakan 10 October 2015 300 11

49 Tegal - 1 SMP Pius 13 October 2015 100 10

50Temanggung- Diponegoro

1 - SDK Shekinah 18 November 2015 81 8

51Yogyakarta-Sudirman 50

1 - SD Budi Utama 16 October 2015 170 10

52Bekasi-Lippo Cikarang

1 - SD Trinitas 16 October 2015 200 9

53 1 - SD Karya Iman 13 October 2015 200 8

54 1 - SD Ekklesia 8 December 2015 115 8

55 Corporate Affairs 1 - Alam Bintaro School 5 October 2015 100 9

56 Depok-FE UI 1 - SD Van Der Steur Bekasi 10 December 2015 100 5

57

Palembang

- 1SMP Xaverius Maria Palembang

15 December 2015 120 5

58 - 1 SMP Palembang Harapan 15 December 2015 175 5

59 1 - SD Frater XAV 2 Palembang 16 December 2015 120 5

60 1 - SD IT Bina Ilmi Palembang 16 December 2015 135 5

Total 50 10 6.574 525



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SiMOLeK(SiMObilLiterasiKeuangan)programTo aid in the success of the Financial Literacy Program implemented by the Financial Services Authority, we launched the SiMOLEK (Si MObil LitErasi Keuangan -literally, Financial Literacy Vehicle) Program, which consists of a mobile unit providing financial management information and encouraging community interest in the use of financial products and services. The SiMOLEK vehicles carry videos on financial literacy, as well as flyers, banners and brochures to meet the educational needs of the public.

The objective of the SiMOLEK Program is: To increase public awareness of financial literacy; To encourage the public to make use of financial

products and services; To stimulate public interest in using financial

products and services; Improve public trust in the use of financial products

and services around the Regional FSA Offices and the FSA Head Office.

During 2015, CIMB Niaga ran the SiMOLEK Program six times in six cities: Jakarta, Ambon, Jember, Denpasar, Medan, and Bandung, with total participation of 2,401 students.

SchoolBasedManagement(G4-eC7)

The School Based Management Program is implemented to support education programs run by educational institutions that are in line with CIMB Niaga’s CSR mission. These programs comprise leadership, entrepreneurship, sports, education, and school equipment such as books and computers. This program is part of CIMB Niaga’s efforts to support Indonesian achievements in science and technology.

programSejutaBukuSince its launch in 2010, CIMB Niaga has consistently supported quality education through the Program Sejuta Buku, which aims to instill a love of reading in children as young as possible and to support the government program to beat illiteracy in Indonesia.

During 2015, our commitment to improving the quality of education in Indonesia resulted in us implementing the Program Sejuta Buku in various regions across Indonesia, including Tangerang, Jakarta, Bandung, Surabaya, Medan, Jambi, Kudus, Mataram, Denpasar, Jember, Pontianak, Ambon, Balikpapan, Pekanbaru, Bandar Lampung, and Makassar.



CIMB Niaga Cares

Recipients in the Program Sejuta Buku in 2015

No. programSejutaBukuRecipients NumberofBooks programCost

1 ESQ 165 Serpong 60 Rp2,897,200

2 SD Pelita Bangsa (educational equipment) NA Rp3,950,000

3 Macroeconomic Policies in Indonesia distribution 10 Rp23,159,672

4 SD Gagas Ceria, Bandung 60 Rp2,927,170

5 SD Maria Bintang Laut, Bandung 60 Rp2,927,170

6 SD Kuntum Cemerlang, Bandung 60 Rp2,927,170

7 SD Pelita Nusantara, Bandung 60 Rp2,927,170

8 SD Bina Bangsa, Bandung 60 Rp2,927,170

9 Malikul A’la Foundation, Bandung 60 Rp2,927,170

10 SDK St. Vincentus, Surabaya 60 Rp3,004,020

11 SD Al Khoiriyah, Surabaya 60 Rp3,004,020

12 SD Al Taqwa, Surabaya 60 Rp3,004,020

13 SDK St. Laurent, Surabaya 60 Rp3,004,020

14 SDK St. Yusuf Tropodo, Surabaya 60 Rp3,004,020

15 SD Anak Bangsa, Surabaya 60 Rp3,004,020

16 SD Al Hakim Pesantren Hidayatullah 77 Rp2,990,520

17 SD Yayasan Mussabhin 77 Rp2,990,520

18 SD Harapan 3 Medan 77 Rp2,990,520

19 SD Methodis 3 Medan 77 Rp2,990,520

20 SD Santo Yosep Medan 77 Rp2,990,520

21 Trash Bank Early Learning Center Karya Peduli, North Jakarta 87 Rp1,023,300

22 SD Cakranegara 2 Mataram 53 Rp1,941,908

23 SD Model International Mataram 53 Rp1,941,908

24 SDK Antonius, Mataram 53 Rp1,941,908

25 SMP Negeri 2 Mataram 53 Rp1,941,908

26 SD Saraswati 2, Denpasar 53 Rp1,941,908

27 MI HIdayatullah, Denpasar 53 Rp1,941,908

28 SD Soverdi, Denpasar 53 Rp1,941,908

29 SMP Negeri 1 Kuta, Denpasar 53 Rp1,941,908

30 SD Masehi, Kudus 53 Rp1,941,908

31 SD NU Muslimah, Kudus 53 Rp1,941,908

32 SD Cahaya Nur, Kudus 53 Rp1,941,908

33 SMP Al Ma’ruf, Kudus 53 Rp1,941,908

34 SD Xaverius, Bandar Lampung 53 Rp1,941,908

35 SD Boddisatva, Bandar Lampung 53 Rp1,941,908

36 SD Imanuel, Bandar Lampung 53 Rp1,941,908

37 SMP Katolik Immanuel, Bandar Lampung 53 Rp1,941,908

38 SMP Xaverius 2 Jambi 52 Rp1,989,495

39 SD Bina Kasih Jambi 51 Rp1,989,495

40 SD Unggul Sakti, Jambi 51 Rp1,989,495

41 SD Sari Putra, Jambi 51 Rp1,989,495

42 Kharisma Jelupang Early Learning Center, South Tangerang 87 Rp3,000,000

GrandTotal 2.432 Rp123,598,420



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Training for early Learning Teachers on theSemaiBenihBangsaprogramThe Semai Benih Bangsa Program has been created and developed to build a moral foundation from an early age by improving the understanding of early learning teachers about Character Education for young children from poor families. This program forms part of the accountability of the CIMB Niaga’s AMDB Program.

During 2015, early learning teacher training took place between 17 and 27 March 2015. This program is carried out in cooperation with Indonesia Heritage Foundation (IHF). Activities take the form of character education training for teachers of Pendidikan Anak Usia Dini (PAUD) that can be used when teaching children.

Ten teachers from five PAUD participated in the training, including PAUD Kamboja Pontianak, PAUD Merah Puti Pontianak, PAUD Fajar Balikpapan, TK Pertiwi Samuda Palangkaraya and TA Aisyiah Glf Banjar Baru, South Kalimantan. Since its inception in 2012 until December 2015, early learning teacher training had involved 83 teachers from 42 PAUD across Indonesia.

COMMUNITYDeVeLOpMeNTaNDeMpOweRMeNT[G4-SO1]

Community socio-economic conditions are the focus of the Company’s Community Development and Empowerment Programs. Our objective is to help improve welfare and establish strong communities to encourage better development. In compiling this Community Development and Empowerment Program, we refer to several criteria, including:• Forming character;• Empowering communities;• Training people to develop personal skills;• Helping communities gain a sustainable, improved

quality of life; and • Creating self-sufficiency communities.

Based on the above criteria, to implement the Community Development and Empowerment Program, the company created a forum comprising the Community Link Program, Employee Volunteer Program and the Formation of the CIMB Niaga Cares Community.

programCommunityLink(G4-eC7)

Community Link demonstrates CIMB Niaga’s commitment to social care. The program invites branch offices to participate by holding CSR Programs to strengthen the relationship between CIMB Niaga, its employees and the community. The program is intended to help raise the quality of life, basic competencies and to improve community welfare.

Community Link provides an opportunity for all parties, both branch offices and relevant foundations, to submit work programs within the Corporate Social Responsibility realization framework related to social matters.

CIMB Niaga cooperates with the Yayasan Kesejahteraan Anak Indonesia (YKAI) to improve children’s ability to use computers and support learning through an Information Communication Technology Training Program providing computer skills. This program can support learning and training for workers and entrepreneurs. The target of this program is disadvantaged children aged 9-15 years old who live in the slums and have no access to computers. The program was launched on 14 December 2015 in Perguruan Rakyat elementary school in East Jakarta.



CIMB Niaga Cares

The Empowerment Program for Stagen (traditional woven cloth) artisans using Lurik Motifs in Sumberarum Village, Sleman, Yogyakarta was one of the Community Link Programs implemented in 2015. The program is run in collaboration with Dreamdelion Indonesia Foundation, which provides assistance to empower people by providing sewing machines that can be used to make the lurik motif on the stagen woven cloth. Through this empowering cooperation for motif development, the cloth, which initially had a relatively small economic value, gained a higher economic value. The program was officially launched on Thursday, 7 October 2015 with a symbolic handover of empowerment program funds amounting to Rp96.65 million to be used to purchase sewing equipment, which is hoped will support developments in the stagen weaving industry in Sumberarum Village. As a way of monitoring this program, CIMB Niaga involved weavers and woven cloth marketers in a variety of corporate events.

employeeVolunteerprogram[G4-SO1]

This program encourages CIMB Niaga employees to participate in environmental and community CSR activities as volunteers. The types of activities implemented vary depending on the CSR programs being run and the requirement for CIMB Niaga employee volunteers.

The Tour de Bank Program took place in Jakarta, Bandung, Surabaya, and Medan and involved employee volunteers who were assigned to accompany students undertaking the activities in Tour de Bank. This activity involved 100 CIMB Niaga employee volunteers in the four cities involved. The program gives the volunteers the opportunity to be directly involved in educating students about banking in the hope that the students will view banks as safe and comfortable places for financial transactions.

In addition, to commemorate CIMB Niaga’s 60th anniversary, CIMB Niaga involved 600 CIMB Niaga employee volunteers to visit 60 schools across Indonesia for the AMDB Program. The volunteers made time to visit schools and educate the students on the benefits of saving and introduced banking products and services through interesting, educational and fun activities.

The employee volunteers involved in the AMDB Program were from branch offices spread across 60 locations, including Balikpapan, Cilacap, Batam, Serpong, Madiun, Banda Aceh, Padang, Medan, Kebumen, Magelang, Banyuwangi, Cirebon, Pekanbaru, Kendari, Makassar, Batam, Jakarta, Bekasi, Ketapang, Malang, Bojonegoro, Bandung, Samarinda, Kudus, Manado, Mataram, Semarang, Solo, Tanjung Pinang, Tarakan, Tegal, Temanggung, Yogyakarta, Cikarang, Depok, Palembang, and several other cities.



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phILaNThROpYCIMB Niaga realizes that the existence and continuity of the Company’s business cannot be separated from the support and participation of the people residing around the Company’s offices. CIMB Niaga is an integral part of the communities in which we operate. Therefore, the economic value generated by the Company is returned to the community through various CSR activities. Communities become stakeholders who continue to provide opportunities for the Company to think how to be beneficial to society.

The Company receives any input and invitation to collaborate in community building with open arms. Through the pillar of philanthropy, the Company continues to share with the community based on the spirit of participating to provide happiness and prosperity for the people.

CIMB Niaga’s philanthropic activities are CSR-based and take the form of donations or activities for stakeholders or communities with the objective of supporting improved welfare.

These philanthropic activities are conducted at our own initiative and at the request of others. Donations can take the form of goods or joint social programs provided to communities in the vicinity of the CIMB Niaga branch office network. Priorities for CIMB Niaga donations are education, religion, health, art and culture, economy, sports, and information technology.

The following were implemented during 2015.

a.SmartparentingClub:Don’tacceptSenilityCIMB Niaga invited Yayasan Alzheimer Indonesia (ALZI) to hold seminars themed Dementia or Alzheimer’s with the objective of providing awareness and educating employees about dementia. Experts at these seminars were DY Suharya (Executive Director ALZI), Dr. Yuda Turana Sps (K) and Eva Sabdono (Executive Director Yayasan Emong Lansia). A total of 57 people enthusiastically took part in these seminars.

b.LactationRoomNot every office building has a lactation room and we fully understand the difficulties of working mothers who are breastfeeding and want to feed their children exclusively on breast milk. Based on this, CIMB Niaga was moved to provide Lactation Rooms with comfortable seating areas and refrigerators to store the breast milk of working mothers.

This care shown by CIMB Niaga to breastfeeding mothers has resulted in Lactation Rooms becoming established in Graha CIMB Niaga Sudirman, Griya CIMB Niaga Bintaro and Menara CIMB Niaga Karawaci.

c.CaregiversTrainingCaregiver Training was given on how to provide quality care to people with Alzheimer’s or dementia for household caregivers and family members.

This Caregiver Training Program saw participation from 200 people, of whom the 100 on the first day were household caregivers and the 100 on the second day were family members. This program provided an overview to participants to better know CIMB Niaga as a bank that cares about Alzheimer’s and dementia.



CIMB Niaga Cares

d.worldalzheimer’sMonthhealthwalkYayasan Alzheimer Indonesia (ALZI) is a non-profit foundation with the vision to improve the quality of life of people with dementia and their caregivers.

In September 2015, ALZI and CIMB Niaga commemorated World Alzheimer’s Month by holding a variety of activities, including a Health Walk Against Senility for World Alzheimer’s Month on 27 September 2015. There were 2,000 participants, including the Jakarta governor, on Car Free Day at Monas. By holding this event, we hope that society will become more aware of Alzheimer’s disease and be able to implement early prevention and avoid Alzheimer’s disease.

e.BridgeConstructionandStapleGoodspackagesfortheBaduyTribe(G4-eC7)

CIMB Niaga cooperated with CNC Jelajah to implement social action with a series of visits to the Baduy tribe in Banten. CIMB Niaga provided aid to the Baduy tribe to build a bridge to facilitate transportation to the area. In addition, CIMB Niaga provided staple goods to the Baduy people.

f.Free General Medical and Dental Care atCIMBNiagaBintaroCIMB Niaga worked with Obor Berkat Indonesia (OBI) to provide Free General Medical and Dental Care Cipeucang landfill in Serpong on Saturday, 28 November 2015. This event was also to celebrate Christmas and commemorate CIMB Niaga’s 60th anniversary and aimed at supporting people living around the Cipeucang landfill site to live more healthily.

There were a total of 212 patients, comprising 187 general patients and 25 dental patients who received free medical care between 10am and 2.30pm. CIMB Niaga hopes that this activity can help improve the health of people living around Cipeucang landfill and provide some cheer.

g.BloodDriveCIMB Niaga also routinely held blood drives, which this year started in June 2015.

1.Blood Donations in honor of world BloodDonorDayTo celebrate World Blood Donor Day, which takes place every 14 June, CIMB Niaga held concurrent Blood Drives in several locations, including Graha CIMB Niaga Sudirman, Griya CIMB Niaga Bintaro, Menara CIMB Niaga Karawaci, CIMB Niaga Cabang Makasar and CIMB Niaga Cabang Medan.

Blood Drives were also held concurrently by the CIMB Group in Malaysia, Thailand and Singapore on 12 June 2015. CIMB Niaga’s Blood Drive successfully gathered 584 bags of blood, which were sent to the Indonesian Red Cross (PMI) for the benefit of humanity.

2.ConcurrentBloodDrivesattheendof2015To commemorate CIMB Niaga’s 60th anniversary, on 1 December 2015, CIMB Niaga held Blood Drives in 34 locations, including Banda Aceh, Medan, Tasikmalaya, Jakarta, Makasar, Denpasar, Balikpapan, Ambon and Jayapura.

The bank’s employees, customers and the public also took part in the Blood Drive. CIMB Niaga also donated one ambulance to the Indonesian Red Cross.



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CIMB Niaga Cares

h.Iduladha2015programTo celebrate Idul Adha 2015 at both CIMB Niaga head office and in branches, we purchased several sacrificial animals, the meat of which was distributed to local communities.

i.Ramadhan1436hTo celebrate Ramadhan 1436 H, CIMB Niaga held a variety of Ramadhan activities at the CIMB Niaga head office and in branches. These included: Safari Ramadhan donations in nine cities; a Ramadhan Bazaar from 1-3 July 2015 and sales of cheap staple goods that took place on 4 July 2015.

j.BenevolentFundDistribution(Qordhulhasan)CIMB Niaga, through its Sharia business unit, disbursed benevolent funds through various CSR programs, one of which was the Unifying Spirit for Humanity program, which works with 20 agencies comprising Zakat Charities (LAZ/ BAZ) and Foundations, and was used for Education, Social Work and Community Economic Empowerment. Total funds disbursed in 2015 amounted to Rp14,705,655,354.

k.Donations were given to communities foreducation, social welfare, health and disasteraid.



Following is a Summary of Donation Disbursement in 2015:

No. Details TotalDonation

1 Donation for medical assistance for Kelvin (hydrocepalus) Rp5,000,000

2 Donation for MTS facilities and infrastructure related to Khazanah Policy Rp10,000,000

3 Christmas donation for Tresna Werda Karitas Bandung charity Rp10,000,000

4 Christmas donation for Pelayanan Orang Tua Sejahtera Foundation Medan Rp10,000,000

5 Christmas donation for Panti Werda Usia Foundation Surabaya Rp10,000,000

6 Christmas donation for Senja Cerah Manado Seniors Hall Rp10,000,000

7 Christmas donation for Graha Werda Mery Joseph Pontianak Rp10,000,000

8 Christmas donation for Tresna Werda Wana Seraya charity Denpasar Rp10,000,000

9 Christmas donation for Panti Werda Perandan Padudan Yogyakarta Rp10,000,000

10 Religious donation for Pesantren At Tahiyah Rp10,000,000

11 Donation to renovate Musholla Taufiqurrahman Rp10,000,000

12 Donation for Rumah Pandai Terang Indonesia Foundation Rp10,000,000

13 Donation for HKBP Gereja Makassar Rp14,000,000

14 Donation for Manado Student Service Institution Rp42,000,000

15 Donation for Autisa Indonesia Foundation Rp10,000,000

16 Donation to repair a bridge for the Baduy tribe Rp10,000,000

17 Book donation for PSB Serpong Rp2,907,720

18 Donation for Badag LSS ITB 2015 Rp5,000,000

19 Donation toward building Kristen Baithani church Rp5,000,000

20 Donation to St. Fransiskus Asisi Sukotukon Rp10,000,000

21 Donation to St. Markus Tando Tando Toraja Catholic Church Rp5,000,000

22 Donation for Doctors’ Service Day Indonesia Rp10,000,000

23 Donation to victims of the Nepal earthquake through UNICEF Rp10,000,000

24 Donation for Juang Anak Bangsa Foundation to commemorate Jakarta’s 488th anniversary

Rp5,000,000

25 Donation for YPAC Indonesia Disabled Teens IT competition Rp5,000,000

26 Donation for ASEA Vision Conference 2015 LPMI Rp4,000,000

27 Donation for break fasting event with Bank Indonesia Association Rp20,000,000

28 Donation for FORKAS-South Tangerang Rp5,000,000

29 Donation for RSQT Central Java-DIY Rp10,000,000

30 Donation for RSQT East Java Rp10,000,000

31 Donation for RSQT Jakarta Rp10,000,000

32 Donation for RSQT West Java Rp10,000,000

33 Donation for RSQT Banjarmasin Rp10,000,000

34 Donation for RSQT Batam Rp10,000,000

35 Ramadhan Donation for RQST at Niaga Rahmat Mosque Rp16,250,000

36 Donation to Break the Fast with Puskoppol Metro Jaya Rp42,500,000

37 DKM Ramadhan Gajahmada Donation Rp16,250,000

38 Donation for Ramadhan PKP3KI Rp5,000,000

39 Donation for Orphans for DKM at Al-Muuzhofa Mosque, Karawaci Rp25,000,000

40 Donation to Break the Fast at Schools in North Jakarta Rp5,000,000

41 Donations toward building Al-Mujahid Foundation Madrasah Rp5,000,000

CIMB Niaga Cares



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No. Details TotalDonation

42 Donation for Ponpes Yatim Al Hanif Foundation Rp10,000,000

43 Donation for Orphans and the Impoverished (YAKIN) Foundation Rp10,000,000

44 Ramadhan Donation for Nur Illahi Foundation Pekanbaru Rp10,000,000

45 Ramadhan Donation for Hamalatul Qur’an Foundation Tasikmalaya Rp10,000,000

46 Ramadhan Donation for Da’wah Islamiyah Indonesia Board, Central Java Rp10,000,000

47 Donation to hold the social program Tebar Paket Barokah Dompet Peduli Ummat Daarut Tauhid

Rp25,000,000

48 Donation for Tahfidz Al Qur’an Al Imam Pesantren Foundation Rp10,000,000

49 Donation for Al Kahfi Foundation Surabaya Rp10,000,000

50 Donation to hold LEBAY Program for Sahabat Peduli Generasi Mandiri (YSPGM) Foundation Jakarta

Rp5,000,000

51 Donation to Nurul Hayat Surabaya Rp10,000,000

52 Donation to SMP Kristen Central Lampung Educational Foundation Rp40,000,000

53 ZIS Donation to Al Akhyar Orphanage Foundation Rp5,000,000

54 Donation to Minang At Taqwa Foundation Rp10,000,000

55 Donation of 50 packets of staple goods for Muhammadiyah Tanah Abang Rp16,100,000

56 Donation toward building Putri Al Kahfi Mosque Bogor Rp5,000,000

57 Donation toward building St. Yohanes Paulus II Catholic Church, St. Yohanes Paulus II, Wulandoni, NTT

Rp5,000,000

58 Donation for Women’s Leadership Training in Indonesian Student Service Institution (LPMI)

Rp45,000,000

59 Donation to renovate Sta. Maria Bunda Pembantu Abadi Catholic Church, Witihama, Dekenat Adonara

Rp5,000,000

60 Donation untuk Masjid Al Ikhlas Jatirahayu Timur Martapura Rp3,000,000

61 Donation for Musyariful Huda Rp2,500,000

62 Donation to hold BINUS Social Day 2015 BINUS Rp2,000,000

63 Donation for Tuberculosis Eradication Association Indonesia Rp10,000,000

64 Religious donation for Stefanus Church Rp5,000,000

65 National Health Day Donation Rp5,000,000

66 Donation to help the blind at Pembinaan Kesejahteraan Kristen Tuna Netra Indonesia Foundation

Rp5,000,000

67 Donation to hold the Salatiga is Smart in Preventing Senility Program on 28 November 2015 at Aula RS Dr. Asmir (DKT)

Rp2,000,000

68 Donation to hold Christmas activities and provide staple goods to an old people’s home

Rp5,000,000

69 Donation to hold PDUI Jaya social program and provide free community healthcare

Rp5,000,000

70 Donation for Christmas 2015 celebrations held by Indonesian Christian Community in KL at Aula Hassanudinn, KL Indonesian Embassy

Rp10,590,000

71 Donation to hold Christmas 2015 celebrations at Female Penitentiaries in Tangerang at five penitentiaries around Tangerang

Rp10,000,000

72 Social welfare donation to celebrate Christmas at the national level in Kupang, NTT

Rp10,000,000

GrandTotal Rp769,098,410

CIMB Niaga Cares



environmentIn relation to environmental programs, CIMB Niaga policies that support environmental conservation are contained within the Smart Spending Policy as a move toward cost effectiveness (EFI) in the company.

The Smart Spending Policy is an efficiency policy for operational activities principled on being environmentally friendly and saving costs. Dissemination of this policy continues regularly across the entire Company. Smart Spending Policy operations are, among others: saving utilities, such as electricity, water and vehicle fuel; office equipment optimization, such as paper, ink, plastics, etc.; the paperless policy for e-statements and cleanliness of the work environment.

In 2015, the company disseminated and coordinated the EFI policy four times:a. EFI Meeting February 2015 : 24 March 2015b. EFI Meeting April 2015 : 28 May 2015c. EFI Meeting August 2015 : 6 October 2015d. EFI Meeting October 2015 : 12 November 2015

Through a Smart Spending culture, CIMB Niaga has been able to eliminate costs that were felt to be unnecessary while upholding “good costs” that were felt to be necessary for company operations. Furthermore, consistent implementation of the program has made CIMB Niaga units and individual employees more aware of continually rising costs.

Several initiatives to achieve operational cost efficiency in 2015, other than smart spending, included reducing travel and transportation-related costs, this was achieved by maximizing technology use such as video conference media, teleconferencing and maximizing our own building facilities for training and meetings. The “AC Sewa Dingin” program was also implemented to save costs related to maintaining air conditioners and paying for electricity. In addition, other initiatives were maximized for digital media promotions, more efficient car pooling management, etc.

In addition, CIMB Niaga also held various environment-related CSR activities, including:

1.IpB National Borders expedition-IndonesianBiodiversityinIndonesia’sOuterIslandsIndonesia, as a country in the tropics, has hugely varied biodiversity. Much of this rich biodiversity has yet to be discovered and researched, in particular in Indonesia’s outer islands. One of the CSR pillars at CIMB Niaga is the environment and to demonstrate our environmental commitment we provided a Donation to IPB for an expedition to Indonesia’s Borders for the Biodiversity and Socio-Cultural Exploration Program to Indonesia’s outer islands.

CIMB Niaga Cares



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This expedition traveled to Indonesia’s outermost islands, including Laut Island and Sekatung Island, in the Natuna Islands, Riau Island province from 29 January to 15 February 2015. Activities included observing plantation and horticultural farming, observing marine life catch frames and processing, promoting understanding of agriculture and fisheries, as well as educating in Elementary Schools and High Schools.

We hope that this activity will gather diverse flora and fauna from Laut and Sekatung islands, as well as raise local community awareness of the importance of maintaining and caring for flora and fauna.

2.healthySchoolprogramLaunchIn cooperation with the Indonesian Red Cross, CIMB Niaga officially launched the Healthy School Program in MI Al Farida, East Jakarta. Upholding the theme “Let’s Live Healthily and Study to Save”, this program is expected to provide insights for the school children to cultivate a culture of living cleanly and healthily, as well as to learn to save money and enhance the spirit of learning and teaching in schools.

Through this program, schools receive amenities such as sinks for hand washing, trash cans, School Health Clinic renovations and Youth Red Cross, as well as posters promoting the Healthy Schools

Program. The students were also invited to play and learn through a variety of educational and fun games, such as puzzles, the educational video game Run Banking Run, promoting hand washing, checking blood types and measuring weight and height.

awardsThe activities undertaken by CIMB Niaga under the umbrella of the CIMB Niaga Cares program have been appreciated by various parties. Following are awards won during 2015 for the CIMB Niaga Cares CSR program, including:

• Global CSR Award-Pinnacle, Singapore, 19 March 2015, Excellence in Provision of Literacy & Education Award

• Indonesia Green Awards-La Tofi School of CSR, 4 June 2015, Biodiversity Conservation in Indonesia category.

• Nusantara CSR Award-La Tofi School of CSR, 7 October 2015, Improving Education Quality category.

• SIMOLEK Awards-Financial Services Authority, Financial Literacy Implementation through the SIMOLEK Program category

• Sustainability Reporting Awards 2015-National Center for Sustainability Reporting (NCSR), 15 December 2015, Commendation for Best Disclosure on CIMB Niaga Cares.

CIMB Niaga Cares

CIMB Niagafor Customers

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“Always prioritizing Customer

interests as our foundation to

provide excellent services for the

best financial transaction banking

facilities that are safe, convenient

and trusted



CIMB NIAGA FOR CUSTOMERS

As a company that relies on banking products and services, we recognize that high quality service is the key to the company’s sustainability. The company continues to be committed to sustainably improving the quality of banking services. For us, Customers are the company’s main asset, Customer Experience is the thing to focus on to continue to develop and provide maximum satisfaction to customers. This drives us continue to innovate to be the best among banking companies.

The customer experience provided the company comprises various aspects of service, including optimizing the benefits that can be obtained from each of the products and services offered, the clarity of information on the types of products and services, customer confidentiality, excellence and technology optimization, security for product and service purchases, and others.

The weight of public expectations causes us to continually strive to provide benefit through the products we offer. For this reason, we continue to make efforts to ensure the suitability of the Company’s products and routinely survey customers either directly or through competent third parties.

We pay attention to the rights of all stakeholders in order to create a banking experience that is easy, safe and convenient, as well as prudent. In addition, we uphold the applicable rules and business ethics that respect and safeguard the interests of all stakeholders.

The company also continues to ensure that customers fully understand our products by providing clear information on the products, as well as their benefits, use, the rights and obligations related to each product, the position of each of the parties, the agreement period, and settlement procedures in case of dispute.



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CIMB Niaga for Customers

MaintainingproductQualityFor the launch of every banking product and service, the Company implements a chain of procedures to ensure that these products and services are acceptable to customers, support customer activities and are what customers need. All new products must be approved by Bank Indonesia prior to their launch, after being careful examined by the Company’s Business Development Committee, whose duty is to assess the product, including answering the questions as to whether this is a pure banking product or not and whether the Bank is acting as a sales agent or as a provider.

The study criteria for a new product include:[G4-DMa]

• Clear benefits provided by the product offered to customers;

• Clarity of the amount of administrative charges imposed on users of the product or service;

• Clarity as to the Bank’s position as a sales agent if the product offered is not a banking product;

• Certain products must include a statement of their risk profile;

• The telephone number and email address of customer service staff must be noted clearly so that clients can make complaints or ask questions, if needed;

• Bank Indonesia approval must be secured; and• The Bank must present a report to Bank Indonesia

no later than 7 (seven) days after the launch of the product.

CustomerServicesCustomers are the company’s key asset and we must maintain them and continue to provide the best Customer Experience in a sustainable manner. To determine whether customers achieve an optimal banking experience, the Company regularly internally measures key indicators that directly impact on the customer experience, receives input through customer satisfaction surveys, actively monitors customer complaints, as well as evaluating customer



experiences of products, services and promotions offered. Thereafter, the Company makes improvements and raises service quality related to aspects of people, process, product and infrastructure.

In 2015, refinements and improvements to service quality could be seen from a reduction in customer queuing time at branch offices. Queue management in branch offices was able to improve customer convenience, so that more than 87% of customers waited in line for less than eight minutes to be served by tellers, and 84% of customers waited less than 15 minutes for service from customer service personnel.

The introduction of formless transactions for cash deposits, cash withdrawals and transfers also added to CIMB Niaga customer convenience, meaning that forms did not have to be filled in prior to teller counter transactions.

Customer Service (CS) personnel are now equipped with iPads to facilitate them in presenting digital brochures that contain complete information on banking products and services, thus providing a more interactive experience for customers.

CustomerSatisfactionSurvey[G4-pR5]

The Customer Satisfaction Survey is one method used by the company to measure performance. High customer satisfaction levels reflect good operational performance and service by the company compared to competitors in the banking industry.

The Bank appoints a third party to routinely conduct the Customer Satisfaction Survey. The survey involves a sampling of target respondents from all business segments selected on a random basis from a number of areas and educational backgrounds, with varying ages, types of business and employment. In 2015, based on the WOW Service Excellence Award survey conducted by Markplus Inc, CIMB Niaga achieved third place. For the Service Quality category from the Institute of Service Management Studies (ISMS) Trisakti, CIMB Niaga achieved top 10 placement, and the Sharia business unit took third place for Excellent Service in the Branch Service Excellence Monitor (BSEM, 2015) held by Market Reasearch Indonesia (MRI).

In addition to the customer satisfaction survey conducted by an independent third party, the company has also developed a system to measure customer satisfaction internally. Customers can give direct feedback on the quality of service provided by the CS personnel and tellers by using the Customer Feedback System facility available in more than 300 branches. Customers can give feedback after being served by a CS officer or teller. In 2015, the results of the Customer Feedback System recorded a customer satisfaction level exceeding 90% from customers who came into branches and were served by CS or tellers.

Considering the results of the Customer Satisfaction Survey and direct feedback, the Company then improved the quality of service to bring it closer to the customer satisfaction perception and customer desire for good banking services. This was done to maintain customer loyalty.

CustomerComplaintManagementCustomer complaints are an important matter for business growth in a banking institution as they reflect customer needs and desires. Good management of customer complaints can provide customers with a good experience. Customers can submit their complaints to the Bank through a variety of channels and media, including the print media and social media. The company currently has a specific unit to handle customer complaints, the Customer Care Center, or CC. The CC has the duty of ensuring customer complaints are well handled and managed in compliance with Bank Indonesia regulations. The center is equipped with a bank-wide complaint handling system to ensure all recorded complaints are immediately escalated to the appropriate unit for handling and settlement.

The company also maintains an Automated Complaints Monitoring and Reporting (ACMR) system. This system is a complaints handling system that integrates all records of customer complaints received by the Company and reported through all channels and media, including print and online media. Through this system, every customers making a complaint is provided with a complaint registration number as proof of registration of their complaint and as a means of enabling the customer to monitor the progress of its resolution.

CIMB Niaga untuk Nasabah



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The ACMR system enables the Company to assess each customer complaint, so that it can follow up with improvements and mitigation efforts to ensure that matters causing customer complaints are not repeated. In addition, the ACMR system allows the bank to better monitor the level of resolution of complaints, to monitor the effectiveness of the Service Level Agreement (SLA) in resolving these complaints, and serves as a means for reporting on the development of customer complaints related to financial issues to Bank Indonesia.

With a significant increase in the number of financial transactions, from 165.5 million transactions in 2014 to 184.4 million in 2015, the Company was able to maintain customer complaints at a level of 2 bps. There were an average of 3,800 financial complaints per month and 991 non-financial complaints.

Complaints can be submitted through a number of channels, including through branch offices, phone banking 14041, e-mail through Contact Us on www.cimbniaga.com, and through CIMB Indonesia Facebook and Twitter @CIMBIndonesia.

The company is committed to maintaining its level of customer complaint resolution at over 99%, as seen in the last two years.[G4-pR5]

Customer Complaint Resolution Level during 2015

TypeofCustomerComplaint

Settledinthesameyear

2015 2014

Financial 91% 98.9%

Non-Financial 98% 99.3%

Total 92% 99.0%

As a public entity, the Company is also active in the Banking Working Group Mediation, collaborating with Bank Indonesia and the Financial Services Authority (OJK), along with other banks associated with OJK,

CIMB Niaga untuk Nasabah

to run customer education programs in the form of seminars on banking and other activities.

MaintainingCustomerprivacy[G4-DMa,G4-pR8]

The company maintains customer confidentiality and privacy in accordance with prevailing Bank Indonesia regulations. The company also implements firm sanctions, from verbal warnings, to written warnings and dismissal as an employee for violations resulting in the loss of customer privacy. There were no cases involving customer privacy infringements made this reporting year.



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“Human Resource Development

is the primary capital for the

Company’s business growth, which

is supported by the integrity and

professionalism of its employees



CIMB NIAGA’S PEOPLE

Improving the performance ofCIMBNiaga’semployeesWe recognize the importance of CIMB Niaga’s employees in our operational activities, in fact, the most important factor in running our operational activities is the Company’s human resources as they execute their functions and responsibilities for the Company’s sustainability. We are always improving our services in various banking service directions, providing information to customers and handling customer complaints.

The Company is very concerned with human resource management to improve services, thus develops systems, training, administration, scholarships, etc. In this respect, we continue to observe employee welfare, as well as human rights and the principle of equality. Throughout the 2015 reporting year, CIMB Niaga received no reports of discrimination in the workplace.[G4-hR3]

DistributionofCIMBNiaga’semployees[G4-10][G4-La1]

As of the end of 2015, CIMB Niaga had a total of 13,577 employees distributed across all our operational areas in Indonesia. For this recruitment, we do not discriminate based on gender, as illustrated in the following table.

employeeDistributionBasedonGender[G4-La1]

Gender Total

Male 6,652

Female 6,925



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employeeDistributionBasedonRank[G4-La1]

Rank Male Female Total

Senior Management (U1-U3)

118 62 180

Middle Management (U4-U5)

907 545 1,452

Junior Management (U6-U9)

3,696 3,791 7,487

Non Management (U10-U11)

1,931 2,527 4,458

Total 6,652 6,925 13,577

employeeprofileBasedonage[G4-La1]

ageGroup Male Female Total

< 25 300 613 913

> 25-34 2,979 3,535 6,514

> 35-44 2,038 1,821 3,859

>45 1,335 956 2,291

Jumlah 6,652 6,925 13,577

employeeDistributionBasedoneducation[G4-La1]

education 2014 2015

Up to High School (SMA)

1,244 1,132

D1 70 57

D2 27 23

D3 2,721 2,388

S1 10,424 9,484

S2 516 492

S3 1 1

Total 15,003 13,577

Our recruitment process uses a transparent screening process. This is conducted in two ways testing the ability and competence of the candidates. Both of these are based on fulfilling the need for human resources in a variety of functions and tasks. We also continue to manage human resources and develop a system related to recruitment activities, data collection, and the comprehensive development of human resources.




To assess employee performance we use balanced scorecards and Key Performance Indicators (KPI) at the individual and team level. The results of performance assessment serve as benchmarks for career progression based on employee competency and to determine remuneration. This is done to improve and develop employee performance.

humanResourceManagementDuring 2015, we specifically focused on eight main priorities in Human Resource Management at CIMB Niaga. These eight priorities were as follows:

1.Strategic workforce planning & OrganizationTransformation

Ensuring optimal capacity and composition between revenue generators, middle office and back office, efficiency and effectiveness across organization and supervision levels, as well as the competence of qualified employees in the face of a challenging and rapidly changing business focus. [G4-La11]

2.CultureBuildingThrough a program named Project ABC-A Better CIMB, implemented as:• Symbolic Acts• Master Motivators• ABC Roadshow• Bank Campaign-anti fraud campaign/ service

from the heart/ 4DX

3.SustainhighperformanceCultureHaving an effective platform to build a winning culture to continually maintain and improve a culture of excellent performance, that is balanced, able to look ahead and is sustainable from year to year to cope with the rapid and challenging rhythm and dynamics of business.[G4-La11]

4.TalentManagementandDevelopmentDevelop and manage talent in a single integrated process, ensuring the availability of talent from within the organization, as well as planning for regeneration and succession for key and critical positions within the organization, through concrete and relevant plans to fill existing development gaps, so as to strengthen future leadership skills. This strategy focuses on building competencies to support an accelerated career using an academic approach.

5.CriticalSkillsDevelopment

6.Costefficiency&Increaseproductivity

7.RegionalOperatingModel

8.productiveemployeeRelationCreating a working environment that is healthy, harmonious and productive, which ultimately can improve employee engagement with the company and increase productivity.

TrainingandDevelopmentprogram[G4-La9]

We organize training for employees to raise competencies and provide leadership training for all the company’s employees. One of the programs that we have implemented is The Complete Banker (TCB) program, which is implemented to hone young talent to lead companies in the future. In addition, we also organize training programs with outside parties that issue specific certification and training sessions. These training programs are Senior Credit Exam and Minimizing Problem Loans, The Complete Banker and the Officer Development Program for Corporate Banking and Commercial Banking, with modules on Basic Lending Fundamentals.






Other external certification programs include Risk Management certification, Mutual Fund Sales Agent (WAPERD) certification, Indonesian Life Insurance Association (AAJI) certification, and Bancassurance certification. We also provide training to enhance leadership competence at all levels, which includes Leadership Café, a Leadership Series for business people, Learn from the Master by the Board of Directors for the TCB Program.[G4-La9]

Notes

Male Female Total

TotalTraininghoursOverall

TotalTraininghoursperYear

Level/CategoryperYear(hoursper

participant)peremployee*(averagehoursperemployeee)

employee Male Female Total Male Female Total

Senior Management 410 216 626 3,414 2,056 5,469 8 10 9

Middle Management 3,281 2,152 5,433 33,036 20,477 53,513 10 10 10

Junior Management 11,530 11,722 23,252 215,438 263,410 478,847 19 22 21

Non-Management 3,594 5,563 9,157 42,245 74,495 116,740 12 13 13

Total 18,815 19,653 38,468 294,133 360,437 654,570 16 18 17

*) Training hours only, including Management Trainee employees

Traininghours averageTraininghours Numberofparticipants

654,570 48 13,468

employeeRemunerationandRightsWe always provide remuneration in accordance with each employee’s work and applicable standards and regulations. We provide remuneration without differentiating based on gender, ethnicity, religion, race or rank. Differences that do occur within a level are due to differences in performance, competency or work experience.

The Company’s employment system is divided into two permanent employees (on an open contract) and contracted employees (on fixed-term contracts). The difference between permanent and contract employees is purely in pension fund and social security (JAMSOSTEK) payments. [G4-La2]

The components of CIMB Niaga remuneration packages are: 1. Salary2. Health Benefits for the Employee, Spouse and

Children 3. Permanent Disability Insurance 4. Life Insurance 5. Accident Insurance 6. Social Security (JAMSOSTEK), which includes

Workplace Accident Insurance, Death Benefits, Pension

7. Annual and Other Leave 8. Religious Holiday Allowance9. Pension Fund10. Severance Pay11. Location Allowance12. Other benefits



CIMB Niaga implements a Total Rewards Statement for employees at certain levels. The components of this award are cash, non-cash and recognition and development programs received by the employees concerned. This award is intended as a reward for employee dedication and contributions. In addition, we show our appreciation with awards and rewards for each employee who achieves five and ten years of service.

We also provide a loan facility for employees that can be used for needs such as purchasing a house/ apartment, home construction or renovation, education, religious worship, or other urgent needs. We also run a pension program in which we enroll employees and for which the company pays 9% of the employee’s basic salary in fees while the remaining 3% is deducted from the employee’s salary.[G4-eC3]

Occupational health and Safety atCIMBNiaga[G4-La8,G4-11]

CIMB Niaga is also concerned about employee health and safety. As stated in the Collective Labor Agreement (CLA) between CIMB Niaga and our employees, the health and safety of every employee is part of the Company’s commitment to every CIMB Niaga employee. The company implements a series of programs related to safety and health in the workplace, such as:

• Routine exercising at each branch office. • Campaigns and publicity materials on tips for a

healthy lifestyle, including exercise and diet habits.• Campaigns and counseling related to chronic

diseases.• Optimization of breaks and anticipation of tiredness.• Routine fire and evacuation drills in each branch,

especially branches occupying high-rise buildings.

IndustrialRelationsCIMB Niaga is committed to building and maintaining industrial relations as a system for a healthy and constructive working relationship between employees, the Bank and the government (tripartite) to ensure that each party’s interests and rights are protected and obligations are fulfilled by all parties according to applicable regulations and legislation.

The ultimate goal behind Industrial Relations at CIMB Niaga is to increase the productivity and welfare of both employees and the Bank. These goals are interrelated, inseparable, even interplaying. Bank productivity begins with employee productivity and is only possible if the Bank is supported by prosperous employees who have hopes for a future better.

CIMB Niaga views the Labor Union as the Company’s partner in building and maintaining harmonious industrial relations in the workplace. As of the end of 2015, there were a total of 4,180 CIMB Niaga employees, or 30.79% of total employees, who were union members.

Insan CIMB Niaga





Insan CIMB Niaga



GRI G4 REFERENCE INDEX CORE

Material AspectsReported

IndexRemarks Page

GeneralStandardDisclosure

Strategy and Analysis G4-1Statement From The Highest Governance Body Regarding Short Term and Long Term Strategy In Implementing Sustainability

25-21

Organizational Profile

G4-3 Organization Name 6, 7

G4-4 Primary Brands, Products And Services 6, 7

G4-5 Organization Headquarters 7

G4-6 Operational Regions 7

G4-7 Ownership and Legal Form 6, 7

G4-8Markets Served, Sectors Served, Customer Types

7

G4-9 Organization Scale 7

G4-10 Profile of Employees 88

G4-11 Collective Bargaining Agreements 96

G4-12 Supply Chain 38

G4-13 Changes During The Reporting Period 7

G4-14Precautionary Approached and Risk Management

36

G4-15List of External Chartered Supported and Addressed

39, 49, 50

G4-16 Memberships in Associations 39

Material Aspect Indentification and Boundary

G4-17List of All Organizational Entities and Reporting Scope

26

G4-18 Defining Report Content and Boundary Aspect 18, 26

G4-19 List of Material Aspect Identified 26

G4-20Internal Aspect Boundary For Each Material Aspects

26

G4-21External Aspect Boundary For Each Material Aspects

26

G4-22 Restatement From Previous Reports 19

G4-23 Significant Changed From Previous Reporting 19

Stakeholders Engagement

G4-24 List of Stakeholder Groups 36

G4-25Basis For Identification and Selection of Stakeholder

36

G4-26 Stakeholder Engagement Approach 36

G4-27 Stakeholder Concern or Key Topics 36

Report Profile

G4-28 Reporting Period 18

G4-29 Date of Most Recent Previous Report 18

G4-30 Reporting Cycle 18

G4-31 Contact Point Regarding Report Content 19

GRI G4 Content Index G4-32Option “In Accordance With” Index List and Assurance

18, 98-100

[G4-32]



GRI G4 Reference Index CORE[G4-32]


IndexRemarks Page

Assurance G4-33 External Assurance 18

Governance G4-34 Governance Structure of The Organization 32, 33

Ethics And Integrity G4-56Organization’s Values, Principles, Standard, Norms of Behavior

35

Category:economic

Aspect: Economic Performance

G4-DMA Disclosure on Management Approach 42

G4-EC1Direct Economic Value Generated and Distributed

42, 43

G4-EC3Coverage of The Organizations’s Defined Benefit Plan Obligations

96

Aspect: Indirect Economic Impact

G4-EC7Development and Impact of Infrastructure Investment and Service Supported

73, 75, 78

G4-EC8 Indirect Economic Impact 44, 59, 61

Category:environment

Aspect: Energy


G4-EN6Reduction in Energy Consumption Efforts and Achievement

50, 51

Aspect: Emission G4-EN19 Reduction of Greenhouse Gas (Ghg) Emissions 50

Aspect: Product & Services


G4-EN27Extent of Impact Mitigation of Environment Impact of Product and Service

49, 50

Category:Social

SubCategory:LaborpracticeandDecentwork

Aspect: Employment


G4-LA1Total Number and Rates of New Employee Hires and Employee Turnover

92, 93

G4-LA2Benefits Provided To Full-Time Employees That are Not Provided To Temporary or Part-Time Employees

95

Aspect: Occupational Health and Safety

G4-LA8Health and Safety Topics Covered in Formal Agreements with Trade Unions

96

Aspect: Training & Education


G4-LA9Average Hours of Training Per Year Per Employee

94, 95

Aspect: Supplier Labor Practice Assessment

G4-LA11Percentage of Employees Receiving Regular Performance and Career Development Reviews, by Gender and by Employee Category

94

G4-LA14New Suppliers Screened Using Labor Practice Criteria

38

SubCategory:humanRights

Aspect: Non Discrimination

G4-HR3Total Number of Incidents on Discrimination and Corrective Actions Taken

92




IndexRemarks Page

Aspect: Supplier Human Rights Assessment


G4-HR10New Suppliers Screened Using Human Rights Criteria

38

SubCategory:productResponsibility

Product & Service Labeling


G4-PR5Customer Satisfaction Measurement and Survey

88, 89

Aspect: Customer Privacy


G4-PR8Complaints regarding breaches of customer privacy

89

Aspect: Compliance G4-PR9Monetary value of significant fines for non compliance with laws and regulation concerning the provision and use of products and services

36

SubCategory:Society

Aspect: Local Community

G4-SO1Percentage of Operation With Implemented Local Community Engagement, Impact Assessments, and Development Programs.

59, 61, 75, 76

Aspect: Anti-Corruption

G4-SO3Assessment Toward Risk of Corruption and Other Identified Risk in The Organization

36

G4-SO4Communication and Training on Anti-Corruption Policies and Procedures

36

FinancialServicesSectorSpecificIndicator

Aspect: Product Portfolio


G4-FS2Procedures for Assessing and Screening Environmental and Social Risks

50

G4-FS3

Processes for Monitoring Clients’ Implementation of and Compliance With Environmental and Social Requirements Included in Agreements or Transactions

50

G4-FS6Percentage of The Portfolio for Business Lines by Specific Region, Size (Micro/Sme/Large)

44-45

G4-FS7Monetary Value of Products and Services Designed for Microfinance and SME

45

Aspect: Local Community

G4-FS13Access Points in Low-Populated or Economically Disadvantaged Areas

45

G4-FS14Initiatives to Improve Access to Financial Services

45

Aspect: Product Responsibility

G4-FS16Initiatives to Enhance Financial Literacy by Type of Beneficiary

45, 61, 66

GRI G4 Reference Index CORE[G4-32]


PT. Moores Rowland Indonesia Jl. Sisingamangaraja No. 26 – Jakarta Selatan 12120 - Indonesia

Tel: +62 21 720 2605 - Fax: +62 21 720 2606 - www.moores-rowland.com

Independent Assurance StatementReportNo.0616/BD/0023/JK

To the management of PT Bank CIMB Niaga, TbkWe were engaged by PT Bank CIMB Niaga, Tbk(‘BankCIMBNiaga’) to provide assurance in respect to its Sustainability Report 2015 (‘the Report’). Theassurance has been carried out by a multi-disciplinedassuranceteamwithabroadrangeofskillsanddepthofexperience, thus providing a high level of competencyfortheassuranceengagement.

IndependenceWewerenotinvolvedinthepreparationofanykeypartoftheReportandcarriedoutallassuranceundertakingswith independence and autonomy.We did not provideany services to Bank CIMB Niaga during 2015 thatcould conflict with the independence of assuranceengagement.

Assurance StandardsWeconductedourwork in accordancewith ISAE3000‘Assurance Engagements other than Audits or Reviews of Historical Financial Information’ issued by the InternationalAuditingandAccountingStandardsBoard.In addition,we have also planned and carried out ourwork in accordance with AA1000AS (2008) ‘AA1000 Assurance Standards (2008)’, issued by AccountAbility.

Level of assurance and criteria usedOurevidence-gatheringprocedureshavebeendesignedtoobtainalimitedlevelofassurancebasedonSAE3000andamoderatelevelofassuranceengagementassetoutinAA1000AS(2008)inordertoprovideconfidencetoreadersbyreducingrisksorerrorstoaverylowbutnotto zero. Moreover, the AA1000 AccountAbilityPrinciples Standard (2008) of Inclusivity, Materialityand Responsiveness has also been used as criteria toevaluatetheReport.

Scope of Assurance We provided Type 2 assurance engagement underAA1000AS(2008).Thisinvolved:1) anassessmentofBankCIMBNiaga’s adherence to

the AA1000 AccountAbility Principles Standard(2008)and

2) an assessment on the accuracy and quality ofspecified sustainability performance informationcontained within the Report, in relation to theagreedscope.Thescopeofworkconsistedof: Communitydevelopmentprogramme Productresponsibilities Humanresources.

Responsibility

Bank CIMB Niaga is responsible for all informationand claims contained in the Report, includingestablished sustainability management targets,performance management, data collection and reportpreparation, etc. Our responsibility in performing thisengagement is to the management of Bank CIMBNiagaonlyforthepurposesofverifyingitsstatementsrelating to its sustainability performance, moreparticularly as described in the agreed scope. Ourresponsibility is to expressour conclusions in relationtotheagreedscope.

Methodology

Wehaveassessedseveralassertionsandspecifieddatasets included in the report and the systems andprocesses used to manage and report these using thefollowingmethods: Reviewed report, internal policies, documentation,

managementandinformationsystems Carried out interviews with staff involved in

sustainability-relatedmanagementandreporting Followed data trails to initial aggregated source

andcheckedsampledatatoagreaterdepthduringtheengagementprocess.


PT. Moores Rowland Indonesia Jl. Sisingamangaraja No. 26 – Jakarta Selatan 12120 - Indonesia

Tel: +62 21 720 2605 - Fax: +62 21 720 2606 - www.moores-rowland.com

LimitationsOur scope of work was limited to a review of theaccuracyandreliabilityofspecifieddataandinterviewswith data providers, persons in charge of datacollectionandprocessing,aswellaspersonsinchargeofsustainabilityperformance-relatedinformation.Conclusions Findings andconclusionsconcerning adherence to theAA1000 AccountAbility Principles of Inclusivity,MaterialityandResponsivenessinclude: Inclusivity

AnassessmenthasbeenmadetodeterminewhetherBankCIMBNiagahasincludedallkeystakeholdersin developing and achieving an accountable andstrategicresponsetosustainabilityissues.WefoundBankCIMBNiagademonstratesastrongcommitmenttostakeholderinclusivity.BankCIMBNiaga has an effective system in place for keystakeholderstoparticipateinthedevelopmentoftheorganization's response in the context ofsustainability.This isdemonstratedforinstance,byconducting needs assessment surveys andmateriality level survey to the key stakeholdersgroup.However, we recommend that Bank CIMB Niagacontinues to improve stakeholder inclusivitysystems and procedures on a regular basis tomaintaintheireffectiveness.

MaterialityAn assessment has beenmade as towhetherBankCIMBNiagahasincludedintheReportthematerialinformation requiredby its stakeholders inorder toenable them to make informed judgements,decisionsandactions.WefoundBankCIMBNiagahasastrongprocessinplace to determine material issues. Key materialissueswere adequately reported andwere found toprovide balanced information about Bank CIMBNiaga's sustainability performance. A range ofinternal stakeholders are involved in Bank CIMBNiaga'smaterialitydeterminationprocess.However,werecommendthatBankCIMBNiagacontinuestoconductmateriality testona regularbasis in futurereports.

ResponsivenessAn assessment has been made as to whether BankCIMB Niaga demonstrates that it responds to itsstakeholdersandisaccountabletothem.BankCIMBNiagawasfoundtoberesponsivetokeystakeholder concerns and expectations. This wasachieved through the organization's allocation ofresources to stakeholder engagement, the timelinessand accessibility of reported information, and thetypes of communication mechanisms regularlyemployed.However,we recommend that continues to improvestakeholder engagement procedures on a regularbasisinfuturereports.

Based on our limited assurance engagement, nothinghascometoourattentionthatcausesus tobelievethatthedataoftheReporthasbeenmateriallymisstated.All key assurance findings are included herein, anddetailed observations and follow-up recommendationshavebeensubmittedtoBankCIMBNiagamanagementinaseparatereport.Jakarta,June21,2016

James KallmanPresident DirectorMoores Ro wland is an in ternational organ ization specializing in au dit, accou nting, tax, lega l and advisory services. Moores Ro wland is a member of Praxity AISBL, the w orld's l argest Alliance of independent an d unaffiliated audit and consultancy companies.

We can rel y on th e skills of mor e than 33 ,400 professionals operating to gether in 97 countries, sharing the same values an d sense of res ponsibility,whilst in Indonesia is served by Moores Rowland, one of the leading sustainability assurance providers.


Laporan Pengecekan Sesuai GRI G4 Core

National Center for Sustainability Reporting (NCSR) telah melakukan pengecekan sesuai GRI G4 Core atas Laporan Keberlanjutan PT Bank CIMB Niaga Tbk 2015 (“Laporan”). Pengecekan dilakukan untuk memberikan gambaran tentang sejauh mana kriteria GRI G4 Coretelah diterapkan dalam Laporan tersebut. Pengecekan ini bukan merupakan opini atas kinerja keberlanjutan maupun kualitas informasi yang dimuat dalam Laporan tersebut.

Kami menyimpulkan bahwa Laporan ini telah menyajikan pengungkapan-pengungkapan, baik sepenuhnya maupun sebagian, sesuai dengan kriteria GRI G4 Core.

National Center for Sustainability Reporting

Dewi Fitriasari, Ph.D. CSRS, CMADirector

National Center for Sustainability Reporting

Dewi Fitriasari, Ph.D. CSRS, CMA



GLOSSARy

• Asean Governance Scorecard is a benchmark or measurement parameter of Corporate Governance agreed by ACMF (ASEAN Capital Market Forum), the association of the ASEAN capital market authority. ASEAN Corporate Governance Scorecard is made based on OECD Principles and expected to boost investor confidence to the companies listed in ASEAN.

• GDP per Capita stands for Gross Domestic Product per Capita. GDP is the market value of all goods and services produced by a country in a given period. GDP is one of the methods in calculating national income.

• AA1000 SES framework (2006) is a generally accepted framework to assess, design, implement, and communicating stakeholder engagement. The purpose of this framework is to establish the benchmark for good quality stakeholders engagement.

• Masyarakat Ekonomi ASEAN (MEA) is an association of countries in the region located in the region of Southeast Asia (ASEAN) which implemented a system of free trade Indonesia and all other ASEAN countries (Malaysia, Thailand, Filipina, Singapura, Brunei Darussalam, Vietnam, Laos, Myanmar, dan Kamboja) have agreed on MEA agreement or is called as ASEAN Economic Community (AEC).

• Non Performing Loan (NPL)/ Rasio Kredit Bermasalah is the ratio between the total of loans which are non performing and the total of outstanding loans.

• Capital Adequacy Ratio (CAR)/ Rasio Kecukupan Modal is the ratio used by the banking system regulator with the main objective to identify the health level of a bank, in particulars the risk of the capital structure of the bank.

• Current Account Savings Account (CASA) is a ratio that compares the total demand deposits plus savings with the total deposits third party. The higher of the proportion a lower cost of funds, it makes the better bank.



FEEDBACK SHEET

We would like to thank you for taking your valuable time to read this Sustainability Report 2015. In an effort to improve the Sustainability Reporting the coming years, the PT Bank CIMB Niaga Tbk would like to ask you to kindly fill out this feedback sheet and send it back to us.

1. This Sustainability Report has provided you with any information on activities that have been conducted by PT Bank CIMB Niaga Tbk in its compliance with corporate social responsibility?

Agree Don’t Know Disagree

2. The material in this Sustainability Report includes data and information that is easily understood. Agree Don’t Know Disagree

3. The material in this Sustainability Report includes data and information that is sufficiently complete. Agree Don’t Know Disagree

4. The material in this Sustainability Report includes data and information that is accountable and can be validated. Agree Don’t Know Disagree

5. The information in this Sustainability Report is well presented, well designed and laid out with suitable photographs. Good Don’t Know Dissatisfactory

6. What information do you feel was useful in this Sustainability Report?............................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................

7. What information do you feel was not useful in this Sustainability Report?............................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................

8. What information was missing or incomplete and should be included in future Sustainability Reports?............................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................

YourInformationFull Name : .............................................................................................................................................Institution/ Company : .............................................................................................................................................Email : .............................................................................................................................................

Identification of stakeholder groups (select one):

• Government • NGO • Industry

• Academic • Media • Public

• Other

...............................................................................................

Please send back this form to:

PT Bank CIMB Niaga TbkCorporate SecretaryGraha CIMB Niaga 16th FloorJl. Jend. Sudirman Kav. 58Jakarta 12190, Indonesia Tel. : (62-21) 250 5252, 250 5353Fax. : (62-21) 252 6749Email : [email protected] : CIMB IndonesiaTwitter : @CIMBIndonesiawww.cimbniaga.com

pTBaNKCIMBNIaGaTBKCorporateSecretary

Graha CIMB Niaga

Jl. Jend. Sudirman Kav. 58

Jakarta 12190, Indonesia

(62-21) 250 5252, 250 5353

(62-21) 250 5205

[email protected]

CIMBIndonesia

@CIMBNiaga

www.cimbniaga.com

SustainabilityReport