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8/6/2019 Citibank kasus
1/33
ffnffff
ff
&f-ffn%#fffnf-fn
-Dn%#f-
&Jfnfnn f@
fffffffffffJfnn
fffffffffffn
&ffffnffnf
nnffffff
9ffffnf
ff
&ffffffnnf@,f
fnfffffff,ffffff
&nJf,fffffnffn
fnnfnffnffnnfnf
ffn ffnfnf
fnf
&fn ffnffffnn
fnfff ffffnf
fff
&fffffnfnfnnf
fffffffn
nf
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f9-fffffnnnff
nf%f,%,ffff
fJf nffnfnn
f
&fnnfffnfnnf
fnfffff
n
&ffnfffffff
nffnnfffDfff
8/6/2019 Citibank kasus
2/33
9fffffffnffff
ffffffnffffffff
@f
&nnffffnn
nfnnfnffffffn
ffnffffff
fff@ff
&JffnfJfnf f
nffnffff9ff
fnnnJffnfnf
nffnf#DJ
&JnffnJ nfn
nffnfnnffnn
ffnJffffff
fffnnn nfnf
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&@ffffnnff fnf
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fnf
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&@fnnnfffffnn
f
&@ffnffnfnfnfnfn
nJnffnfffffnf
ffn@fnfnfnfffnf
fnfffnffn
8/6/2019 Citibank kasus
3/33
&fnfffnfnffffff
fff,ffff
&nfnfnff9@9ff
fnffffn
ffff
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&f
ffn%
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f%
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%
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fnf%
8/6/2019 Citibank kasus
4/33
&f,f%nnf
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,f,ff%
&f99f
,,ff%ff
ffffnffnn@
fffffnfff%ffffffff
@fffffff
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@
ffnfnf
fnfffJ,ff
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nnfffnffn,ff
%@fDfff
nnfJff
nfffffnnfff
f
8/6/2019 Citibank kasus
5/33
nffffn
nff Jff
nfnf9 fnf f
nffnf
nf, ff%nnf
Jf,ffn
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,f,ff
nf99fff ,,ff
nfnnnf f
9nfn
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ffnffff
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fff
@ffffffff
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nffffffnnffn
n
fnfffnfnfffffffff,f
fffnfnffnff9@9ff
fnffffn
f,fn
,fffff
fff
f-fffnffnf
ffff
fffnfff
8/6/2019 Citibank kasus
6/33
fnf
fnfnf%ffff nf#D
Jnfnfn
fffnffnff9f%9fffn
%nffff%fff9f%9n
nfn nfffff
nff
,ffffffff
fnffffnnffD
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fn nfnfn
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fnn fnfnffnff
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f fffnnf
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%f9ffffffn
$$ff$$"
,fffff
ff@ff-ff
@fff9
9nff
fnffffnff
nnnfDffnf
ffffffnfnfff
8/6/2019 Citibank kasus
7/33
#Jfnnfff
nfffffffffnf@ffn
ff%99@nfff
ffnnfffnff
fnfffffnfnnfff
ffffffnffff
99@nffnf,f%
@fffffffff
,fffff%D fnff
nffnfffn f
@99@nffnnff,ffnf
fnnffffnfff%
nnfnf99@nf,ffnnn
fnff ffff@nffff
nfffnn
#@fnfnffnnffff
f@fffffnnf
@fnfnfffff
f,fffffnfnf
f
fffnnfnn
#nfnnfnnff
f
#ffffnff
ffnnnfnnf
-fffffnnffnnf
fffnfff
nf,ffnnnnff
nnfffn
@fffff%ff fnn
ff,ff fff%
nfnnn
#nf,fffnfnfnnf
ffffff
fnffJff-ff,ff9f%9-
f
8/6/2019 Citibank kasus
8/33
nnffnffnfff
fnfnf,fffffff
ff
#@ffffnn,ffff
nf
fffffff,fffff
fffn
ff%fffnfnn
ffn
#Jnf,ffnfnfn
nnfffffnfff
fnn fnfnffnf
nf
fffnfnnfff
ffffffn fnffff
@fnffffnnffn
fffnfffff
fnnn fff
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ff-fnffn
@ ffnfnfnf
f
9nff-fff%-ffn
nfffffnff
nfnffffn
#@f%fnff%n
fffJff,f
-fffnffnnnfnn
ffnfff fffn
fffnfff
Jnnffnfffffn
f99@nfnnfff
ffffff
#@fnffnfffnf
fff,fnff
ffffffff
99@fnnffn #ff
8/6/2019 Citibank kasus
9/33
ffnffnff
nf
@fffn fff -ff9n
n%fffnf
ffffnfffnn
ffnn
@ffnfff nff-ffD
9f%99ff fffnfnfffff
nff
9nfnfnnnfff
nnnffffn
fffffnff
ffffffff
#@ffffffnfn
nff#@nfffnnfff
f
@nffnnfffnnff
fffnfnn
@nfnnnnfff
ffffffn
ffnffff
ff%fnn
fnfffffff
nfnfffn
nffffn
@nf,fffffffnn#ff
ffffnnfnnfff9
8/6/2019 Citibank kasus
10/33
Jfnffffnnf
nnfnffffff
nffffn#fnf
nfffnfnnffnnfff
ffnnfff9nfn ffff
,fnnffnffffnffn
fff fnnf
fffnf
ff
@nffnffnffnfnffnffnf
fffffnf@I9n
ffff,nffn
ffffnnffff
ff
fffff
ff fffnfnf
ffff
f-ff9nfffnf f
ffff
ffnffffnf9 f
#n nnnff
nfffnffff
nnfffffffff
fnfnfnnf
@ffffffffnnnnfnn#fffnfnfffn
ffnnf
#Jfnfnffnff
nnn
8/6/2019 Citibank kasus
11/33
f
f9ff9fff@fnffnf
$$
-,ffffffffffffff
ffnfffnfffffffffffff
nff
9fffffnnffn%Df
ffffffffffffffffff
fffffffffffffff
fff%ffffff
ffffffffffffffnfff
fffffffffff f
ffff
#fffnff@f9%ffff9fffff,%
ff,ffffffffnffffff
ffffffff-,fffff%$
ffffffffffffffff
fffnff#fffnffffnfffnff
fffffffDf
ffffff,fffff,fff
ffffffffnfff#fffff
fffffffffffffff
ff
ffffffnfff@ffnfff
@ffffffffffffffff
ff9ffff%9fffn%f
fffffffff,ffffnff
8/6/2019 Citibank kasus
12/33
fffnfffff#fff
ffffffnffffff ff
9fffDfffnfffffffff
fffffffffnffffff
ffffffffff
9ffffffffffffn ffff
ffffffnfffff#ff
ffffffnffffDf
ffff9ffnfffff
fffffffffffffffff
ffffffffffffffffffffffff
#9fffffff,%fffffff
ff fffff ffff
fffffffffffff
ffffffffffff
fffffffffffffffffff
ffffffffffffffff
#ffffffffffffffnf
ffffffffff-
9ff
9ffff
fffffJ
#%!$.42 %:39,88:/,,:/9,33/4308,907,/,59-,3907,9,8:85030,5,3/,3,3,8,-,40,7,,3/,390,83,3,8,-,,79:
70/93,$0-0:2202,5,7,305:-,,3202-,,8,8,:/990780-:9/7,5,90,3:-073:7#,73
05:9:-073:7,2,28,,3202-,,-/,3503,,8,3507-,3,3
203:3,5,38,,8,9:,03/,#23:,3,3,/,,202-,,8,8,:/9
8/6/2019 Citibank kasus
13/33
907,/,5,3,.,-,3-,3,83,8,207,$07,990780-:9084,2,,320,:,343107038507820303,9-,3,83,805079,5,2,78,2,8,2,9,
,9-084,73:,73,05,/,%02,73
!0,8,3,9:,8709:7!0703.,3,,3$97,908/,3:-:3,3,8,7,,914,38,203,2-,,3,:/9,3/,:,3907,/,59-,3205:950307,5,3
89,3/,7/4507,93574.0/:70$!503,,8,339073,39073,.439748079,50,3,7,3,3/,:,3907,/,5507,9:7,3$090,#,,39,09,:3,39
50,3,7,3,5,8,,,3/,:,3409-,3:,71
#:,,3,,3202:9:8,30388,38,5,,3,,/03,,35,/,9-,3,9,8
50,3,7,350,3,7,3,3,,:,3-07/,8,7,3,8,:/9,,/,50,3,7,3
,38:3,203,,38,389072,8:502-07,:,3:05,9:9,3/,30,,,319,3/
5745079089:,30,81
9-,35,87,/03,3,5,5:35:9:8,33,394:39747547,9011,780,/9-,33/4308,99,2,4780,203:9:7,39-,3,,3203:980:7:704203/,8/,3
507239,,3,3/8,25,,3,9,8,8,:/99-,3%072,8:507-,,3$!8079,
4397439073,709:705,9:,39-,38,,9302,7380/,3-07/8:8/03,3,9,3,
,,2,8:850,3,7,3$!80-:,-,3907,3.,28,38-07,9/,72:,19,3/574507
9089:,38,25,/03,3503.,-:9,334507,843,:39-8382,:5:3-,3,:
$,97,3439,3
3,#04203/,8!#%07,9,8:89-,3
733,203/:897507-,3,3,-,9,8:89-,3202-:,9428!#
20309,5,3-:97704203/,805,/,9-,3/,30548,3!,::84,
,,79,428!##20309,5,3-:97704203/,8907,9,8:8502-4-4,3
7003340,3/,00/,302,9,33,8,-,,79:70/99-,37039,-0-07,5,,9:,:
$08:,5030,8,37082,3/9072,428/,7,33/4308,0548,3/,3
9-,3/,,27,5,907,80,2,,75,/,579039,35072,8,,,3
02,9,3703.9,3,8,-,,79:70/99-,3/,35030,5,3/,3,3,8,-,40
2,,428-070825:,3/,3203,2-05:9:8,39:9:75253,37,5,9428
.8,3:"48,8/0/:3!#$03,,3,,79,:2,957
8/6/2019 Citibank kasus
14/33
/,5:3-:970825:,3428,3/5:9:8,38090,202,3,33/4308,9-,33/4308,/,30548,3907,3:2805079/-,,3
428!#8,3,90.0,/,320308,,324/:84507,3/503,,39:3,,3
,79:70/9,3/,:,39-,33/4308,,3//:,90,2030-,-,32,93,3,8,-,9-,33/4308,703.9,
,,9-,33/4308,207:5,,3.,-,3/,79-,3,3-07,39475:8,9/047$428203,25,,35749087082/,3203:39:9,3947!:8,99-,3/
047:39:20239,2,,1/,3-079,3:3,,-80.,7,::2-,2,9072,:5:322,90705,/,0:,7,47-,38079,7,,93/4308,
428203,9,,3-,,50789,502-4-4,3/,3,3,8,-,,3/,:,3
203:3:,3-,,-:,38,,88902/,357480/:74507,88079,503,,8,339073,
9-,33/4308,,302,909,5:,09/,5,9:,39-,3907,/,5507,9:7,3,3
3/4308,/,33897:8,33/4308,9039,35078,7,9,380791,850,-,9-,3/,3749,8
,7,,3/,,2,3907,/,5
428-07/,8,7,35030,8,3/,3503,:,39-,3203,9,,3-,,0,,,309/,5,9:,39-,3907,/,5503,,8,3!07,9:7,3/,33897:88079,
02,3,503,,8,390,2030-,-,3907,/3,503,,:3,,3003,3/,3
502-4-4,3,3/,:,3/,3207:,3050393,33,8,-,%/,,3,9:/,,97,3,,3207:8,0507.,,,32,8,7,,9907,/,5.,-,3.,-,3-,3,83,3-074507,8/3/4308,
0,703,9:-07/,8,7,3-:97/,3/,9,8428!#203/08,,,7
/,,2,9:,380.05,9.05,93,203,2-93/,,380-,,-07:9
,030//,3203,9:,38,38,390,805,/,9-,33/4308,808:,
507,9:7,3,3-07,:
-03/::3/,3203/08,0548,3#:39:202-43,7/:,,3,/,3,57,90
0,,9,3507-,3,35,/,9-,3808:,507,9:7,3,3-07,:-,5/,3,
:2:25/,3,507-,3,3/,393/,5/,3,503.:.,3:,3
8/6/2019 Citibank kasus
15/33
428203,9:,8/,,220,:,3503,,8,3/,32030,,3507,9:7,3907,/,5-,32,88,3,902,/,39/,90,8
42820704203/,8,3/,3203/08,:39:202-0:,30,9,350307-9,3
,79:70/99-,3,3-,7:9079:380,9,3,/0:,7,33,8,542888,25,,8:82033,3,703.9,8008,/,32025:3,05:9:8,3::2,3905,9
428!#203/08,:9203.,-:92070;8/,3203025:73,,3!4!/,3$4$!907:9,2,20303,9,9,.,7,50,8,3,,3503,,3
,9,89:3,,3,3/7,:,3/,32,.0905,/,5,09,$0,2,70;8/,3503025:73,,3/,:,32,,5,507-,3,3,7:820,:,3503,,3,38:3
05,/,3,8,-,3,
428!##203/08,5/:9/,5,9/03,390,820307,5,3,8,8507,:,3
,3809,7,,8,8708574,-,9/9-,33/4308,2,:5:3:,9/.,-,3
.,-,3,383-074507,8/3/4308,/2802:,28507-,3,3
$08:,/03,3,8,83,843,9,8/,30/,:,9,3#2,,428!##
-07429203:920,:,370;89/&&99!07-,3,3/,3&&99,33/4308,5/,8,$/,3'%,:3$/,3
3/:897507-,3,3207:5,,33/:897,3203,3/,,30507.,,,32,8,7,,9
,8:82033,3,8,,8,9:3,8,-,9-,33/4308,/,3502-4-4,3/,3,
3,8,-,9-,33/4038,4050,,3,803/78079,,8:85030,5,3/,3,
2,8,7,,98599//,-:5,903!0887$0,9,3$:2,907,,7,9/,5,9207:8,.97,/,3
0507.,,,32,8,7,,9907,/,5/:3,507-,3,3079994,/,7,90780-:98079,
/,7,5,3,,7,8:8,8:8807:5,,3907,//9-,33/4308,9/,907:,3
02-,/2,8,/,9,32,,4288!##805,,9,,3202-039:!,39,07,:39:203/,,2-07-,,5072,8,,,3507-,3,3803,/,5,920302-,,3
0507.,,,32,8,7,,9907,/,5/:3,507-,3,3
05:9:8,33/8,25,,305,/,5253,3!#:39:/907:8,30!708/03#
!253,3,0!#:-073:705,,0548,3#:-08$!253,3,3947
!:8,99-,3/$/,30:,7,,2,7:2703.9,
8/6/2019 Citibank kasus
16/33
428!#20239,05,/,/,39-,33/4308,,,720,547,350,8,3,,305:9:8,3428!#/,,2,9:8,9:-:,380,05:9:8,33
/0:,7,3
ff-fff
$&$%
,,3,:,319,3/5745079089/708
9-,33/4308,
#%,33/4308,,,320,:,319,3/5745079089,9,::0,,,3
/709:7:9,2,-08079,,,7,39-,33/4308,,3907,9,8:8/:,,32033,3,
8047,33,8,-,,79:70/940503,:9,3/,3502-4-4,34043:250,,
9-,3
,,38007,20,:,319,3/574507908905,/,/7089-,3/:,50,3/,7
80,7,3,9,:/#4.,/05:9:-073:7,33/4308,8,,9/902:8008,
431070385078,8#,5,90,3:-073:7#$0,8,
&39:2030/,3/:,,8:8/-,3,8,207,$07,9$3-,380397,
-007,8,2,/03,3!:8,9!0,547,3/,33,88%7,38,80:,3,3!!%/,3
0548,3#05:-3/4308,#
:/-,3-,380397,02:33,3,,320303,,38,3809-,3-07:5,90:7,3,/2389,913,502-0:,334507,843,,79:70/9/,357;,90-,339-,3
,3909,54507,843,9-,3/3/4308,-0:29039:/039,3,,:5:30,9,3,79:70/9/,357;,90-,33-8,/039,3!,8,3,/:,,90780-:9,3,203,/-,,30./,,24507,843,-,3
:/203,2-,,39-,35073,/03,,38,3884,97,38,8/07;,91909,5
90,8203,,3,3,9:7,39/,202,3/,38:,9:-,39079039:-,-,3,83,9,:5:3
4,2-:3,
%03,3,23,8,-,,3
,8:89-,3%,!03,7:
3,3.057
$.42!,7,04342203/08,49479,82430907202-078,3890,805,/,
9-,33/4308,,7,5,3,33/4308,202-0:,3802039,7,80:7:
0,9,3:8,,3,3,50784,,3::2,32093,/8008,,3
8/6/2019 Citibank kasus
17/33
,,2,39-,390,,,202507:,94397439073,3,,9:/3,80-,,0.074-4,3,3:,7-,8,803,8,38,3/,9:,39,,80,/,7:39:
203::280039743:2,7,,33,,3907-,9/,,2,80,,9,39,59-,380-,,3899:8:,,-/::280925,
039:::2,3,3,,3/9072,9-,3-8,-07-039:/03/,8:8503847,3,9,:47547,83,502-0:,30,9,3:8,,,2:3,08,,,39-,388902
80-,,47547,8/,,7:8/::2-07,9805079502-0:,3:8,,802039,7,
,8,38,3,-0781,9507843,,380,/,72020.,95,7,,7,,33,,3907-,90,,9,33,2,-,,33/4308,:897:,,3:9907.4703/2,8,7,,9,7,,7,:,
723,-,3,83,8,207,$07,99:
08,,,39-,33/4308,8,3,988902907:9,2,/,,2503,,8,339073,,39,
-07,,3-,-,93,2:3.:,8:8343,3/,00,3/8,3,,32430
,:3/073:,33,8,-,80-08,7#52,7#52,78079,502-:3:,33,8,-,
9-,3703.9,40/0-9.40.94783,
$890239073,9-,3,39/,,,335,/,,73,202.:,9,:232,202-:,
50:,3907,/3,0/:,,8:890780-:99-,3,7:8/::2-07,9:,7:,22,/8,!02253$:7,-,,,3/902:038,3/4308,.42:8,:8/,'/$,37,
490$:7,-,,2,,2
9,3,/,25,:39:/03,3,/,3,0/:,,8:890780-:95,/,3,8,-,,38,
203,,-/03,3039039/,,30,8,8:89:9/,,/,0103,$,25,8,,93
909,53472,3472,8,,45:3,83,,
O,f9f@f@fff
fJ
%If9f Off ff ff
fffffff-9fffff
ff9ffffffffffffff
ffnffffff
8/6/2019 Citibank kasus
18/33
ffffJffO9fffnffff
f%$$
f ffff fOff
ffff9fnfffffffff
fffffnfffff9fff
f
@ff,ffffffff fff
ffffnffffff
Offfffnfffffff
ffffnfnnffffffffffff
O fffffff9f9ffff@ffff%99@
fff9fff%9fffff
ffff
ffffDf
fJ
%Ifff%ffffffffff
fffffffffffffff
fffffffffffffff9n%9
fffff@ffffffffff
ffffffffffff
ffffffffff
-fffff9ffff
Dfffffff%$$
fffffffffffffff9ffff
fffff9ff
9fffffffffffff9f ff9fff
fffffffffffff
8/6/2019 Citibank kasus
19/33
fffffffffff
fffffffffff f
fffffffffffffffffnnfffff
ffffffffff%nnffff
fffffffffffff,ff
ffffffffffffffffffff
ff
-@9@@
/,43857,8/,8:89-,3
V^_a_SVa`^SW[ZW
-@9@9
STa%\^%cT
!,33/4308,2030,8,3,,:.9-,320,3,7,9:7,320303,,,3,394//03,33/,843857,8//,,23,2,3,17,:/8050799:9/,-8,
//:,408,5,5:39072,8:502/,3/708-,3
$0-03,73,17,:/8050799::-:3,33,/03,339073,-,3203,,839073,
439743,,79:70/994/9:,/,,0,/,3,3$4!3,,/,9,59/,
/,,3,3/,3,43857,8,/,808047,3,703,0.,,5,33,/507.,,:3,5
:-073:7,723,8:9438,,9202-07,3:,:2:2/&054#,-:
,203,2-,,380-03,73,/,,250,3,7,338:/,,/,1907/,7:39:
203,,33,,38,,8,9:3,,/,3,.,/0-9
$0-09:3,2,8,/,19073,.,/0-9,3-03,7-03,7202-:,95030:,7,330300543502,,::2,3,-08,7,37054943,343/03,3.,/0-9
3.,7,3,203:8/89:/14723,.:8942073,/,9,3803/79,2-,3,
,723203,2-,,3:39:1907,3,3,/,,,7:8,/,3,2:9,850,,%09,55,/,,8:89-,303/,203,3.,2,,353/,0-,3,3:9,8,7:8,/,
03/,3203,9,,3,:,,:/2:9,8,:53/,0-,3,3.079,/,
,/0
8/6/2019 Citibank kasus
20/33
fff9ffffff
fn
fffO9ffff%ffff
ffffffffffff
ff
9fffffffffffffff
fff
#fffff9 ffffffff
f9fff9ffffffO,9ffff%$$
ff ffffffffffff
ffffff ffffffffffff
fff9fffffff
&Offffffffffffffff
&fffffff%nnffffffff
fnDfffffff
&fffffO ffffffff
f9fff9ff
&Offfffff9f9ffff@ffff
%99@fff9fff%9fff
ffffff
&Offfffff ffffffff
9--
ff,ffffff
fffJ
8/6/2019 Citibank kasus
21/33
#%!$.42,8:8502-4-4,3/,3,3,8,-,/,32033,3,/0-947,79:70/99-,32:,-072-,85,/,-,3,30507.,,,33,8,-,80/95:/,7
/03,32:,-079,3,9,3,,9,80,2,3,3/,3,2070,/80-:,-,3
0,,9'.0!708/039!03:,,3438:207!%,3:453%-203,9,,3-0-07,5,3,8,-,2025079,3,,30,2,3,3/,3,2070,/:453
$4,,8:89-,3-0-07,5,3,8,-,,/,,32025079,3,,3,5,,,2,3/,3,
2070,/:453,2907:8202-07,30507.,,,305,/,3,8,-,-,,/:453
8,3,9,2,304,,3/,3,3,,9,0$033
03:7:9/,:4538:/,9,:3-07/7/3/:897507-,3,3%,3,7803,88902503,2,3,350,,/,3307,3,/,5,9/507.,,
:453907:8-07:5,,20302-,,30507.,,,33,8,-,80-,--,3-07445443
-07333:,2023,8,-,57;,90-,33/03,3232,/,3,80-08,7#5:9,%3/,0,,9,3/,317,:/9:-0:29039:907,//802:,-,3,2-07,7,5
2-,83,9,-08,7907,/,53/:897:,73,3,,39,439,3
Jf@f9ffff
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ff
f
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fffffffff
ffff%fffffffffffff
fffff,fff%9,ffffff
fffffffffff9,fDf
ffffffff%$$
ffffffffffffffff
,fffffffff
8/6/2019 Citibank kasus
22/33
fffffffffffff
ffffffffffffffffff
fff
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ff-ffff
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f
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ffffff%$$
,ffffffff fffffff,ff ffffff9ffffffff
ffffffffffffff
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fffffffnf,ff,f
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fffnfffffffffffffffffffff
ffffffffffffff
f9ff9fff@fnffnf
$$
8/6/2019 Citibank kasus
23/33
-,ffffffffffffff
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ff,ffffffffnffffff
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fffffffffffffff
ff
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@ffffffffffffffff
ff9ffff%9fffn%f
fffffffff,ffffnfffffnfffff#fff
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ffffffffff
8/6/2019 Citibank kasus
24/33
9ffffffffffffn ffff
ffffffnfffff# ff
ffffffnffffDf
ffff9ffnfffff
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#9fffffff,%fffffff
ff fffff ffff
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ffffffffff-
!:9:8,3,8:89-,3,73
9f
#%!$.42%:39,88:/,,:/9,33/4308,907,/,59-,3
907,9,8:85030,5,3/,3,3,8,-,40,7,,3/,390,83,3,8,-,,79:70/93,$0-0:2202,5,7,305:-,,3202-,,8,8,:/990780-:9/7,5,9
0,3:-073:7#,73
05:9:-073:7,2,28,,3202-,,-/,3503,,8,3507-,3,3
203:3,5,38,,8,9:,03/,#23:,3,3,/,,202-,,8,8,:/9
907,/,5,3,.,-,3-,3,83,8,207,$07,990780-:9084,2,,320,:,343107038507820303,9-,3,83,805079,5,2,78,2,8,2,9,,9-084,73:,73,05,/,%02,73
!0,8,3,9:,8709:7!0703.,3,,3$97,908/,3:-:3,3,8,7,,91
4,38,203,2-,,3,:/9,3/,:,3907,/,59-,3205:950307,5,389,3/,7/4507,93574.0/:70$!503,,8,339073,39073,.439748079,
50,3,7,3,3/,:,3907,/,5507,9:7,3$090,#,,39,09,:3,39
50,3,7,3,5,8,,,3/,:,3409-,3:,71
8/6/2019 Citibank kasus
25/33
#:,,3,,3202:9:8,30388,38,5,,3,,/03,,35,/,9-,3,9,850,3,7,350,3,7,3,3,,:,3-07/,8,7,3,8,:/9,,/,50,3,7,3
,38:3,203,,38,389072,8:502-07,:,3:05,9:9,3/,30,,,319,3/5745079089:,30,81
9-,35,87,/03,3,5,5:35:9:8,33,394:39747547,9011,780,/9-,3
3/4308,99,2,4780,203:9:7,39-,3,,3203:980:7:704203/,8/,3507239,,3,3/8,25,,3,9,8,8,:/99-,3%072,8:507-,,3$!8079,
4397439073,709:705,9:,39-,38,,9302,7380/,3-07/8:8/03,3
,9,3,
,,2,8:850,3,7,3$!80-:,-,3907,3.,28,38-07,9/,72:,19,3/574507
9089:,38,25,/03,3503.,-:9,334507,843,:39-8382,:5:3-,3,:
$,97,3439,3
O
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-7,3.081470,7
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#%3/4308,8.0397,-,3,8-,770/974:517424503330
-7,3.0839,9.4:3971474300,7-08/088,553,80418,3.9438,2/13/389,9
904-,-,332,47,8;4,90/;,74:870:,9438390.4:397
%0,90898,3.9438-,33/4308,.420,9,92003983/4308,34507,9438,70
5,:0/-,0,9438411:3/02-002039-,302540094909:3041243841/4,78
..47/39420/,705479890,50-,3290;0370;4098.03.094/4-:8308833/4308,12470;4,9438,7014:3//:7390574-0
@ffffffffff,fff
fffffffffffffffffff
f9nffffff,fffff,
8/6/2019 Citibank kasus
26/33
ffff fffffff,ffff
ffffffffffnn
fffffffff fffffff
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@fffffffffffffff
fffffffffffffffff ff
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989-,3934907$0941$,3.9438
,33/4308,,334:3.0/437/,,80708418,3.9438439-,33/4308,147;4,94384139073,-,370:,9438,3/782,3,02039,80,80,30880839839073,.43974,3/4507,93574.0/:708
%08,3.9438,334:3.0/-05:94;07347:/#4.,/070,940,7170004330.70/9.,7/.:89420781479-,33/4308,,-,343,.6:733057479-,33.:89420781474300,7,3/,4300,7247,947:2434503330-7,3.411.089-,38,990.03907419443438.,3/,84308:774:3/38:85.4384102-002039,3/9049073;4;390/0,941,.70/9.,7/.:894207%070070;4,94384190-,3839073,70:,9438,3/782,3,02039%070070,840,30880839089,3/,7/4507,93574.0/:708,3/39073,.43974:/94/,308.4310703.0,990.0397,-,308,/908,3.9438944220/,900110.9437/,-:90,//0/9,99-,3,8,40/94.4393:0807;3980893.:894207834907/05:94;07347,2,28,8,/9024;0,85,794190.0397,-,3801147994038:7057490.9431473/4308,8-,33.:894207804509,999080890584907-,38,84-02500/942574;09074507,943808,/9-,3,8,84-,330/1742:8397/5,79/0-9.40.943807;.08147940,781472079-,370,943852,3,070,74/343,3/,008,..:80/4102-03243841/4,7817420,9.03983,7.
8/6/2019 Citibank kasus
27/33
3908,202439703.9,80.709,70307,41,82,549.,5,79/0/,9430419-,38-7,3.411.083$4:9,,79,,1907-03.43174390/-/0-9.40.947870/-90-,394809908.70/9.,7/-899,2,4780,.4:397.47547,90,11,780,/419-,33/4308,8,/90-,3,8473.4809,33/4308,,3/9,3,,.943830.088,794200998/02,3/8
0,;0,70,/9,038905894897039034:739073,.43974574.088080,;0,8470/30025400894-734:7/0-9(.40.943574.08834:800.4393:094250203990,557457,90.4770.9;0,.94383.438:9,94394:770:,94799,8,/3,70854380946:0708174290,,79,4-00,708970;03908,3.943888:0/-94:/-05702,9:7094850.:,904390549039,25,.9944:7-:83088,33/4308,,848,/9-,3.4:3972,3,07$,74.9,7,3/490700.:9;084:/:3/07419,3/57450790898389,11202-0725.,90/34110380847:941300.984:/-0170/:/8,/$,3.9438.4:/-0.420247080;07008,//0503/34390708:98413;089,9438-90
54.0,3/903,3.,%7,38,.943#054798,3/3,8803907!!%0897,2,,39,30.434289,9,3,3/790.4:3978,7089-,3-,880988,/,33/4308,//907993-5:3839-,3%0-,333/:89785743094.7808,3/,33/4308,,89,03,-4/24;0808,/
9-,300.:9;082,480.,700781901,90898907$,2-4%0,,79,!489,,79,%:0:83088
9-,300.:9;08.4:/4809074-8470;03907.,70078390-,333/:8971901,,19,3/574507
9089.:77039-030/,85,794190503,90825480/4390-,3-90.0397,-,3,-,33050798,8
,33/4308,/05:94;07347:/#4.,/8,/43/,9,990.0397,-,3,/.0/4119019,3/574507908981479-,3800.:9;08.4:/,89/,8
9,3/57450790898,;0-0:39.4:/-0,990-,347,9411.084749075,.08:/8,/3,909
2088,0
$,76:9,79.4:397411.071473/4308,,88003,9900,/411.04343/,-:9//3490,-47,90
18;89,8949,0909089
$9!7,2434.,72,34190,943,,33884.,943!07-,3,894/%0,,79,!4899,9904789
.,808.03,74,8,708:9419019,3/57450790898,89,9-,307841,0/90908984:/344307-0
,40/947:3,-,3390.4:397
,307809075,88471,19,3/574507908981905,8890,705072990/9447390-,333/:897
:91901,90.4:/-0.0/4:94729349-05072990/944507,90390-,3380.947$98,/3,
90054303907;04343/,
/0./0/94.43/:.919,3/574507908981479-,300.:9;08,1907,850.,3;089,9433.90.0397,
-,314:3/9,990-,31,0/942009,850.984189,3/,7/4507,93574.0/:708$!,3/3.42539
870:,9438430,92,3,02039,3//0-9.40.943
8/6/2019 Citibank kasus
28/33
%019,3/57450790898,70,243,809418,3.943825480/439-,3-,2/3;089,943-90
,943,!4.0394-4990/0,941.70/9.,7/4/07703.9,14436:089433-/0-9.40.9478,3/
,00/02-002039390-,380,92,3,02039-:83088-8034770,943852,3,07343,3/,
004,8-003,770890/
%08,3.9438.70.0;0//08570,/57,8017424-807;0783.:/0-,7739-,31742,.6:73
30.0398147980,92,3,02039-:830881474300,7,3/70897.9391742833:530.70/9.,7/
.:8942078147940,789-,38,84349,40/94:8097/5,79/0-9.40.9478147940,7847450330
-7,3.411.081474300,7
:7390/,908989000.:9;08,70349940,;090.4:397
39019,3/57450790898$98,/909-,300.:9;08-03907;00/,-4:99077085438-908,990
-,330307,,3/850.1.,,-4:9907340/04190770:,757,.9.0814:3/,990-,3
190,7039034470;033;4;0/901,909089:9190070:3,,7090349-0
5:380/0,//0/
03,80/,-4:99019,3/57450790898,3/905488-9419800.:9;08-03.0/4:94190-,33
3/:8979-,33/4308,8.4:397.47547,90,11,780,/99,2,4780,8,/90-,34:/,..05990
4:9.4204190.0397,-,3890898
0,70473.4809,33/4308,,3/1:.44507,934325020393,70.42203/,94389
4:/-05702,9:70147:894.4220394390574.088474:9.420:390,70314720/-4:770:,94799,
8,/3,89,9020393708543809490!48986:0708
%
9-,39410,8:9,,38903/,00,38,;/%,25:-443%0,,79,!489,,79,0/!,943,
9-,33/4308,,8,334:3.0/5,389410,,8:9,,3899814720700.:9;0,3/7,198:850.9343
,3/,,,03/,0048.:77039:3/073;089,943147078:850.90/02-00203941,708:28
17429-,3.0398,..4:398
0,70.422990/9413,.;,8:9,,3894:714720702540003/,009470.4;07488083
.4330.9439078:850.90/(17,:/:039,.9;90840;070,;0/0./0/945:8-,.9013/,90
9-,33/4308,.47547,90,11,78.0199,2,4780,8,/3,9092088,0803994%0,,79,!48943
0/308/,
0,70.:7703913,3900,/4.:203989-,3,80749407,3.014717,:/:039-0,;47.422990/
-,30254008,8.:894207897:8984:7945574790,;0,70,/10/,.723,.425,39,,389
03/,00147.80702,38354.0.:894/,3/0.4393:094.44507,901:99054.0
3;089,94399,8,/
03/,,00/02-00/,90,89#5-43&$24317429-,3.:8942078,3/,:3/070/90
8/6/2019 Citibank kasus
29/33
574.00/8974:2,907,5:7.,808,3/,33;0892039.425,3
,33/4308,,8,8425480/8,3.9438439-,314439003/,02-002039.,80,3/
/0,9414304198.70/9.,7/.0398:3/078:85.4:8.7.:289,3.08,190720093/0-9.40.947847314790
-,3
,33/4308,05:94;07347:/#4.,/8,/9-,3,8-,770/174288:3.70/9.,7/89430
.:8942078147940,78%0-,3,8,84-003574-90/1742833:530.:8942078147985702:2
0,9807;.081474300,7
,8447/070/9-,334994:8097/5,79/0-9.40.9478147940,78,3/,8-,330/90-,31742
4503330-7,3.411.08:393090,7:/8,/
9-,30924708,3.94388907$,2-4%0,,79,!489,,79,%:0,/308
,33/4308,88:024708,3.9438,,38990974:-0/9-,3,190790.0397,-,314:3/9,/;4,90/89,3/,7/574.0/:708398/0-9.40.943,3/57;,90-,33807;.08
0397,-,34;07347,723,8:9438,/3,,79,430/308/,9,914:3/,3:2-0741;4,94383
9-,3894/57;,90-,33,3//0-9.40.943/:73,70.0393;089,943
,7238,/90.0397,-,34:/88:0503,9081479041103808-:9/0.30/94850.1908,3.94388,3
908,3.943807089:3/07/8.:8843-90.0397,-,38-4,7/414;073478
0300/92094,4:9908,3.9438.0397,-,34;07347,72394/705479078,1907,0.9:70,990
&3;0789413/4308,8$.4441.4342.83054
854082,314,38,8,/908,3.94384:/-0,334:3.0/939000,80,7089
1443:599090,28,3/.4384/,93903;089,943708:984194/,3/98.70/9.,7//0-9
.40.94357,.9.08
,7079824399-,3/03910/8:85.4:897,38,.9438,90714:3/94-0,3,00/02-002039.,8041
.0391:3/847924709,3#5-43-9894/70,94382,3,07343,3/,,,,3/,004
,8-0039,03394.:894/-90,943,!4.0
4943,19079-,3-0.,203;4;0/3,349078.,3/,3;4;398.70/9.,7/.:894207703.9,4
/0/,190720093990-,38/0-9.40.94784,00/-0,9:590.:894207,19070.425,30/,-4:9
831,90/.70/9.,7/-
9-,38;4,9438,..47/394,7233.:/03,/06:,90$!889,3/,7/4507,93574.0/:708(,3/
1,0/$!8
9-,3,24349078;4,90/,.44507,943,70020399/0-9.40.9478%0!70:,943(895:,908
9013,7085438-98990-,39-,38574.0/:708(8,.40.9478-00/7085438-0147
.40.94388:08(18,/
8/6/2019 Citibank kasus
30/33
93/4308,8.4:397.47547,90,11,780,/99,2,4780,8,/9,99-,3,870,/94.44507,909
90.0397,-,394203/98-:830884507,9438,..47/3
0,70473.48099070:,94794:3/0789,3/,3/,//7088,3.43.073890,;0434:7/0-9
.40.94357,.9.089,8,/3,89,902039803994%0,,79,!489
85,330/8,3.94381440/90902547,7430825480/-90.0397,-,30,7074357039-,3
8:8503/0/9894//;843174270.7:9330.:89420781443,347/07174290.0397,-,3.,84
94/9-,3948945574.088330.70/9.,7/,55.,9438503/3,33;089,94339490/0,941.:894207
.9,0020999-,3/0-9.40.9478
0,3090,943,!4.0,334:3.0/0/308/,9,/,770890/,.9473/,:2,3370,9439490
,00/02-00203941:594#5-43-1472079-,370,943852,3,07,3/,00
,943,!4.02430,:3/073/70.947,90.01$7427:3$09,8,/0/308/,9054.0,/
034:0;/03.094,770893/,
,7073/,,87054790/39020/,94-0,3/,8:8-,3/-:907,994730,907,334:3.0/98,8:397:0,3/,805,7,90/174207:8-,3/:808,/
,33/4308,.,39204390438470
0,92,709
%:08/,,
O 442,7O %9907O O 2,O O O %09O
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$9,,0,/41902,709$3:51474:7170030809907
$4:7.0,9,2439478,708:9418074:81,38,90,92,3,078390.4:397,3
3/4308,,888:0/,247,947:24390,.6:894341300,9.03981474302439
090247,947:28902547,7903.4:7,00,93/4308,389424;0907
243041184709070-03,3.390507.0594341$3,5470 ,8,:-1477043,
0,92,3,02039
%0.0397,-,3413/4308,,847/070/,700;,39-,389489459,3432,88,11:039,3/309479.03981474302439,8,708:94190:3.4;0734117,:/,3/1,38,99-,33/4308,84384700,92,3,02039 ,729-,3,8,84-,770/
8/6/2019 Citibank kasus
31/33
174245033,3,//943,-7,3.081474300,7,3/9,343,330.70/9.,7/,..4:398%0808,3.94388074:825,73908479907290-,38,-994-:/4398548943,84304190.4:39780,/31470313,3.,807;.08574;/078
04907147030,92,3,0782,,3,902547,7,/;,39,0974:9080503,90803.425093147-:830883904384703/4308,32,70990243943247,947:2.079,3/05708890/0;0452039413/4308,843847057;,90-,33
3/:897,314703-,38,;09,7090/3/4308,14774935,79.:,7,8902,7091472,88,11:039,3/309479807;.088050.90/9405,3/-/4:-0/9839072841.0398,3/,88098:3/072,3,02039&3/00/,..47/394,9,24394788,!,.1.0,9,3,02039,9,-,80903:2-0741243,708948094384706:/&41,90,8928050.90/9474-3
%0.0,73307419840,11,7-0$3,5470,3/-,3894118470,7283$3,547070,/2,341900,933/4308,,;09070,92,3,0/,-74,/,3/9030,9;05:-.9708:931742908017,:/8,3/8,3.9438809403.4:7,09,99703/$3,5470,8-0034304190945/0893,943814741184703;089478/:0949889,-0549.,,3/0,897:.9:703,9,2439470892,90/9,9414118470&3$3,5470,884:7.0/1742907043/:035,799490705:9,9431478,109,3/.70/-9,243$3,547070:,90/-,38
%0247,947:233/4308,,43949075741013,3.,8.,3/,838,!,.1.;00,92,3,0783$3,547009,349072,70939449.94.4393:090144141184701:3/89490.989,90
,7:042039,7,8:89-,3
$0330'08
,,79,%#0809:,!#,7:0203,9,,38,38907,/,59-,340,33/4308,
8:/,-03,7
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/,37085438-003/3,,7,8:8802,.,239/,907,//507-,3,3,3,9,,7:
,203,2-,,3/,25,0,,9,3507-,3,39039:8,3,9/7,8,,3403,8,-,5,-,3
:,97,3203892:,8/,25,889025,/,50704342,380.,7,:2:2,-,9203:7:33,0507.,,,3
2,8,7,,9907,/,502-,,/:3,507-,3,3:,73,
8,2539:,3:93,0,,9,3507-,3,3907,/,703,703/,3,57410843,820/,3429203
-0-07,5,,7,,3907,/,50902-,,3,
$0-0:23,,33/4308,,33/4308,,73,203,9:,38,3805,/,9-,3,3,8,207,
$07,99:/03,9,::2,307,8,703,907-:920,3,709039:,339073,-,3/,3203,-,,3
2,3,0203784
8/6/2019 Citibank kasus
32/33
9-,3,3,,3!,9:!:9:8,3
,33/4308,:2,90
#!%9-,33/4308,203072,8,38,3/-07,340,33/4308,
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$08:,/03,3438:9,8,2/03,370:,947,9,3,
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/0-9.40.947/,,2503,,3,79:70/93:7,370,898,703,/0-9.40.947,79:70/980,:,/,
$03,,3/507:,3,/,,$!:39:/0-9.40.947/,3/439748079,/2502039,8,3/03,3-,
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$,3807,8%,:39-,3,7,3%07-9,3,79:70/9,7::2,90
8/6/2019 Citibank kasus
33/33
#!%,33/4308,202-07,38,3807,805,/,9-,3,9,8
50,3,7,3/,,2,8:850304,,3,,3,357479,894//,3503:3,,3,8,5,09,,3/,,2
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