Innovation from the Heart for Sustainability

CIMB NIAGA 2014 Sustainability Report 1

Environmental Sustainability

CIMB Niaga Cares CIMB Niaga Employees Respecting Customer Interests

Independent Assurance Statement

GRI Index G4 Core Option

Sustainability Report2014

Innovation from the Heart for Sustainability

2 CIMB NIAGA 2014 Sustainability Report

Sustainability Highlight Joint Message from the President Commissioner and President Director

About This Report CIMB Niaga Profile Sustainability Governance

Sustainability Sector Report

Contents Sustainability Sector Report

About This Report

CIMB Niaga Cares

38

18 50

Company Vision and Mission 2

Event Highlights 4

Awards 8

Testimony 9

Joint Message from the President Commissioner and President Director

14

About This Report 18

CIMB Niaga Profile 24

Milestone 28

Sustainability Governance 30

Sustainability Sector Report 38

Environmental Sustainability 44

CIMB Niaga Cares 50

CIMB Niaga Employees 66

Respecting Customer Interests 76

Assurance Statement 82

GRI Index G4 Core Option 84






Innovation from the Heart for Sustainability

Since the beginning of our operations, high levels of

professionalism, an innovative culture and strong core

values have always been the Company’s foundation

to offer superior products and services. Therefore, the

company has been able to become one of the largest

banks in the country and able to make a positive

contribution to the life of the Indonesian nation.

As this foundation will continue to be a part of the

Company’s operations, we believe and confident that

we are able to create and offer meaningful products

and services. Ultimately, we also hope to provide

widespread and long-term benefit to all our customers

and to Indonesian society.





Company Vision and Mission

Vision“To be the Leading ASEAN Company.”

Mission“To provide universal banking services in Indonesia as high

performing, institutionalised and integrated company located

in ASEAN and key markets beyond, and to champion the

acceleration of ASEAN integration and the region’s links to the

rest of the world.






Company Core Values

C Customer-centric, present to serve customers and to sell the products and services that customers desire,

H High Performance, working hard and on target for customers, work colleagues and other stakeholders,

E Enabling People, encouraging every party in CIMB Niaga to have a broad vision and ensure that all employees have the ability to give added value,

S Strength in Diversity, respecting differences in culture and perspective, and acknowledging that all differences have the potential to be strengths,

I Integrity, honesty, respect and professionalism in all matters because integrity is the most basic of CIMB Niaga values.





Event Highlights

January – March

“Education – Ayo Menabung danBerbagi (AMDB) 2013 Accountability Program”I wish that all of Indonesian children can go to school”, a dream written by a student on the Wish List tree at the AMDB 2013 Accountability Program. this program was participant by 4,133 students from 28 primary schools in 11 cities in Indonesia throughout 2013. the program had raised AMDB fung amounted to Rp300 million and handed to the Indonesian Heritage Foundation (IHF) and SOKOLA. the AMDB Program continued in 2014.

Philanthropy – Natural Disaster AidIn collaboration with Al Azhar Peduli Ummat, Lembaga Kemanusiaan Nasional PKPU, National Banks Association (Perbanas), Badan Koordinasi Wilayah Pemerintahan dan Pembangunan (Bakorwil) Malang and Manado Red Cross, CIMB Niaga had given aid to flood victims in various areas in Jakarta, Java’s North Beach (Pantai Utara Pulau Jawa) region, Manado and Kudus, and also given aid for Mt. Sinabung and Mt. Kelud eruption victims with total disbursement of Rp682 million.

Environment – Hydrophonic SeminarAs part of concern for the environment CIMB Niaga conducted Hydroponic Seminar. the seminar was attended by more than 85 CIMB Niaga employees and held at Griya CIMB Niaga which also invited the 2013 Indonesian Womenpreneur Competition Champion, Bertha Suranto.

Philanthropy – Trauma Healing of Mt. Sinabung Eruption Victimstrauma healing by storytelling and playing puzzles with CIMB Niaga Management to ease the trauma for the displaced at around 200 children of Mt. Sinabung eruption victims living in Kebanjahe refugee camps since October 2013.






April-June

Education – CIMB Niaga Scholarship ProgramConsistent in focusing in the education sector, CIMB Niaga once again conducted Khazanah Asia 2014 Scholarship Program, which is the collaboration program with Khazanah Foundation and held Graduation Day (6/7) for 24 student for SMAN 1 Bali Mandara, recipients of CIMB Niaga Sampoerna Academy scholarship.

Philanthropy – Blood DonorBecoming a blood donor is a part of a healthy life style, and for that reason CIMB Niaga conducted a blood donor with the theme “CIMB Niaga Cares for Everyone”. this activities was held in five CIMB Niaga offices: CIMB Niaga towers, Karawaci (24/4), Graha CIMB Niaga (25/4), Gajahmada (5/6) and Griya CIMB Niaga Bintaro (12/6).

Community Development and EmpowermentIn 2nd quarter held various community development and empowerment programs namely: Rumah Gemilang Indonesia inauguration in Magelang, Computer training Program Graduation Day in tanah Merah, and ICt Literacy in Ancol. these programs were in collaboration with CIMB Foundation and NGOs.

Education – Financial Literacythe AMDB program in Palembang (23/4), Balikpapan (22-23/5) and Manado (16/6) is a form of continuous concerns towards education and environment, which are to introduce the benefits of saving money and environmental conservation. together wih OJK (16-20/6, CIMB Niaga conducted the Financial Literacy Road show in 14 big cities nationwide.





Philantropy – Shopping with Orphans and Ramadhan 1435H Wish ListOn the series of Ramadhan 1435H, CIMB Niaga conducted Shopping with Orphans Program on (19/7) Carrefour, Jakarta and was attended by 100 of orphans. In addition, CIMB Niaga also gave donations to Yatim Mandiri Foundation 100 sets of school equipment on (21/7) SDLB Negeri Karangrejo, Madiun. this donation was the manifestation of CSR Wish List for Ramadan 1435H.

Education - Annual Gathering for CIMB Niaga Scholarship Annual Gathering 2014 for CIMB Niaga scholars was held on 4-6 September 2014 at the office of Ministry of Culture and Education Republic of Indonesia (KEMDIKBUD RI) and Learning Center Bumi CIMB Niaga Gunung Geulis, Bogor and participated by 150 scholars and recipients of BUtIK CIMB Niaga. this series of activities included Management Sharing, Malam Keakraban, Self Development (Self Motivation and team Building) also CSR activity “Lets Save and Share”.

Education - Indonesia Banking Expo (IBEX)(28-30/8) CIMB Niaga participated in IBEX 2014 in Jakarta Convention Center (JCC). During IBEX 2014, four of the CIMB Niaga Outstanding Achievement Creative Industrial technology (BUtIK) showcased their products in fashion, culinary (snacks made from bekatul) and sweet potato chips specialty of Cirebon. this expo participation was the activation of BUtIK CIMB Niaga Program.

Education – Financial LiteracyAMDB Program as part of financial literacy is consistently held by CIMB Niaga. Kit for Kids in Quarter III-2014 were held in Cirebon (13/8), Solo (3/9), Magelang, and Jogja (4/9) were the continuity of concern towards the growth of the enthusiasm of saving and sharing. CIMB Niaga scholars also organized and coached 150 primary school students around Learning Center Bumi CIMB Niaga, Gunung Geulis, Bogor, to learn and play with CIMB Niaga.

July-September






Education – Lets Save and Share in JayapuraIn celebrating its 59th anniversary, CIMB Niaga held Financial Literacy events through AMDB Lets Save and Share activities in Jayapura on 7 October 2014. the event was attended by 150 students and 50 parents of SD Inpres tasangkapura, Jayapura. the purpose of these activities is to teach children the habit of saving money at an early age through interesting, educative and fun activities.

Philanthropy – 5,900 School Package ProgramUsing the 59th anniversary of CIMB Niaga as a momentum, CIMB Niaga distributed 5,900 school packages to outstanding students all across Indonesia. this event took place from September to October 2014 and involved CIMB Niaga branch offices including conventional banks, syariah, micro finance. the aim of the program was to encourage the students to continue learning.

Environment – Hydrophonic Training in SurabayaCIMB Niaga held Hydroponics training in Surabaya on 17 October 2014. the training was attended by 40 employees from Surabaya, Gresik, Malang, and Sidoarjo. the aim of the training is to provide knowledge about good hydroponic planting techniques.

Education – Awarding BU and BUTIK CIMB Niaga 2014In cooperation with the Education and Culture Ministry (KEMDIKBUD RI) on 4 December 2014 in CIMB Niaga awarded Scholarship to 30 Outstanding Achievements Scholars (BU) and 22 Outstanding Achievements Creative Industrial technology (BUtIK) recipients.

October - December





Awards

CIMB Niaga Ranked 3rd in BEST SUSTAINABILITY REPORTING 2013the company was ranked third place for “Best Sustainability Report 2013” in the Financial Services category at the NCSR 10th Anniversary & SRA Award Dinner 2014 event in Jakarta. this was the third consecutive years for the company to be recognized in the Sustainability Report Awards (SRA) held by the National Center for Sustainability Reporting (NCSR).

CIMB Niaga Recognized as “Good Company 2014”17 November – the Company through its BUtIK (CIMB Niaga Outstanding Achievement technology Creative Industrial Scholarship Program), was recognized in the Indonesia Social Responsibility Awards 2014 and ranked a “Good Company 2014” by the La tofi School of CSR. this award was bestowed during the 5th Annual Indonesian CSR Summit 2014 held at Hotel Bidakara, Jakarta.

Social Business Innovation Award 201426 June – the Company received the Social Business Innovation Award 2014 from Warta Ekonomi magazine. CIMB Niaga was recognized for its active role in building a healthy environment.






Testimonies

“Being a teacher on CIMB Niaga’s study car has some fundamental differences technically compared to being a teacher in a formal school. Substantially, it is the same in that it’s providing benefit and education to students. However, the field and teaching situation are different and that is a challenge for me. Even though I teach in different places and the conditions on the road challenge my patience because of the traffic congestion, it does provide its own value and experience.”

CIMB NIAGA STUDY CARCOOPERATION BETWEEN CIMB NIAGA AND YAYASAN CINTA ANAK BANGSA

As part of education-focused Corporate Social Responsibility (CSR) program, CIMB Niaga and Yayasan Cinta Anak Bangsa (YCAB) implemented the CIMB Niaga Study Car program. this is a facility provided to students from selected elementary, to junior, senior and vocational high schools in Jakarta and tangerang to take part in free computer courses. All the learning activities take place in the car, which is mobile from place to place for comfort and practicality.

“We have experienced extraordinary benefit from the CIMB Niaga Study Car program as our students have been able to use the most up-to-date computer study materials to become more competent. We hope that the CIMB Niaga Study Car can come to the school three times a week to encourage the students who have not been able to benefit from the program yet. this cooperation can continue and the students can complete the program and become certified to show that they have completed the program and have a competence that those who have not taken part do not possess.”

Ghazali RamlanComputer Course teacher on CIMB Niaga Study Car

Shintawati, M. Pd Principal of SMK Muhammadiyah 2 tangerang

“While studying on the CIMB Niaga Study Car I have benefited from new experiences, like getting to understand Microsoft Office better. I have also been introduced to computer applications and understand them now. At school, I only understand the theory and rarely have the chance to practice. On the CIMB Niaga Study Car, we are given theoretical understanding while practicing. thank you CIMB Niaga.”

“While we have been studying the computer course on the CIMB Niaga Study Car, we have progressed a lot in our ability to operate the programs within Microsoft Office. We are really grateful for the specialized teaching on the CIMB Niaga Study Car. Hopefully the CIMB Niaga Study Car will be able to continue teaching students at SMA Muhammadiyah 1 tangerang and other schools. thank you CIMB Niaga Study Car.”

Selvi Andri Yanti SMP Muhammadiyah 3 student

Qurrotul ‘Aini SMA Muhammadiyah 1 tangerang student

BENEFICIARY TESTIMONIES





“By joining the CIMB Niaga trip to visit the historical museums in Jakarta, I got to better understand things I had never learned in school. Even though we had to walk a long way for a long time and our feet hurt, it was really fun to see historical objects with our own eyes in the museum. It was very educational. the best thing was visiting the Elephant Museum, there were lots of antiques in there and I had never seen an actual antique before.”

NoviSMP Class 1, Pondok Kopi

“We were busy and didn’t get bored. Our friends from CIMB Niaga brought lots of great games with them that we played from leaving Pondok Kopi, to the National Monument and until we got home. the game made us excited and we had to be careful not to get caught by our CIMB Niaga friends. If we weren’t careful, we’d get eliminated and not win a prize. It was quite tiring going around Monas and the museums, but it was fun and we learned a lot! thank you CIMB Niaga for taking us on a trip round the Jakarta museums.”

Muhammad YusufClass 5, Pondok Pesantren Az-Iyadah

CSR WISH LIST FOR EDUCATIONSTUDY AND RECREATION AT JAKARTA MUSEUMS

CIMB Niaga considers National Education Day as an opportunity to improve human qualities to create a strong and competitive national character. through the momentum of National Education Day, CIMB Niaga invited all its employees to submit their National Education Day-related dreams through the CSR Wish List for Education. CIMB Niaga granted the wish of Dhini Ayu Utami from the Retail Remedial & Recovery Group, whose dream was to conduct a Study and Recreation trip to the Jakarta Museums, which took place on 3 May 2014.

“At first the residents couldn’t believe CIMB Niaga’s planned activity to take the children in our area to Monas and the Jakarta museums. But when we received information from our neighborhood head and the children were picked up by CIMB Niaga, they were very enthusiastic. Initially 35 children were invited, but 43 took part. the program was enjoyable and as an assistant on the tour, I could see the children really enjoyed their trip and learned a lot at Monas and the museums. When we got home again, all the residents were asking me when would something like this happen again? thank you CIMB Niaga…”

Pitatour assistant, Warga Pondok Kopi

“It was a pleasure to be given the change to take part in the process to make other people happy. Lots of simple things can be a source of happiness. Some of those less-fortunate than us consider recreation to be a rare opportunity; praise Allah, I had the opportunity to give a little happiness to others by inviting poor children to visit three museums in Jakarta. they were very enthusiastic and enjoyed every moment, while they gained a wider viewpoint beyond that of their normal environment and daily lives. the trip started with a visit to the National Monument (Monas) and continued to the National Museum (Elephant Museum) and ended with the Jakarta History Museum (Fatahillah Museum). they experienced many new things that had never crossed their minds, as well as life values that they could understand from visiting these museums.”

Dhini Utami AyuRetail Remedial & Recovery Group CIMB Niaga







“By learning hydroponics, I have found out that actually planting the hydroponic way is very useful and easy to do, it only needs a little skill and patience and I am very happy with my new skill and can apply it. Planning hydroponically makes the environment fresher, green and reduces pollution, so if everyone in Jakarta, or even in Indonesia, did this, it would be really good for Indonesia’s environmental preservation.”

“thank you CIMB Niaga for holding the Hydroponic Seminar, having taken part I now know how to grow crops with simple planting media in a very limited space. this was a positive activity and very good to apply in daily life and I immediately wanted to put it into practice. If I am successful and my crop is satisfactory, I believe that hydroponic planting will be my new hobby and that I can spread this hobby to my friends. Starting as a hobby and with interest in hydroponics, this could become an entrepreneurial interest to sustain me in my retirement.”

“Learning to plant using hydroponics expanded my understanding and made me interested in trying this at home. Before I took part in the Hydroponics Seminar, I thought that planting was time consuming and needed lots of fertile land, in fact, now we can plant crops even without much land. I also know now that hydroponically grown plants are very useful to us and that planting like this reduces land use. Usually, if we plant on land there are lots of troublesome weeds…. and I’m too lazy to pull them out. Once again, this event was very interesting and inspired me to try it.”

Rudi Suhartono It Security & Assurance

Yully Praptiningtyasti HR Quality Assurance

HYDROPONIC SEMINARGRIYA CIMB NIAGA BINtARO, 28 FEBRUARY 2014

CIMB Niaga organized an environment seminar with the theme “Enhancing Awareness and Environment Conservation Effort with the System Hydroponics” for its employees, which was led by Bertha Suranto, a hydroponics enthusiast and winner of the Indonesian Womenpreneur Competition 2013. In the seminar, details were explained about the hydroponic system, from introducing hydroponics itself to the mechanism of planting and caring for plants so that a high quality crop can be harvested. In addition, cultivating the soil, especially through the hydroponic system, has several benefits, one of which is reducing the stress of employees so they can be more productive at work.

Pimpin Simatupang Savings Product & Business Solutions

“there were so many benefits from this training, one of which was how to cultivate the soil with very limited land, especially in towns or in densely populated areas, but still get good results, which is even better if it produces a financial profit. I will start at my house, which doesn’t have much land, and plant things like vegetables that we use on a daily basis, so that I can provide healthy vegetables for my family and not need to shop for them very much anymore; as well as supporting the creation of a healthy environment (on a micro scale). I hope that CIMB Niaga can hold this seminar again with a wider scope and for more participants, so that lots of people can be inspired to try hydroponic planting.”

Rizky Herdina Lending Product Specialist I






“the flood help that we received was very useful, hopefully CIMB Niaga CSR activities, especially flood aid, can continue in the future and become a model for other CSR activities. Amen.”

“thank you very much for the help. Even though it is far away, I was brought an aid packet. this Employee Helping Employee program is very good, giving employees the opportunity to help other employees. Hopefully in future more employees will help so that the distribution is faster and gets to the destination more quickly. Keep up the volunteer spirit, CIMB Niaga...!!!

“thank you to CIMB Niaga for its Employee Helping Employee program. Not only for providing aid to those affected by the floods, but also for its own employees. CIMB Niaga has shown its care for its employees and this will strength relationships between personnel, and between personnel and the company. thank you once again, the help was very useful.”

MartiniDowntown – Bekasi timur

Dewi Nirmala Sari East Bekasi

Dewi UntariBintaro – Operation and It

CIMB NIAGA EMPLOYEE HELPING EMPLOYEEDISTRIBUTING CLEANING PACKAGES

As our concern to the employees, CIMB Niaga organized Employee Helping Employee program to distribute hygiene kits to employees, the victims flood. this took place on Saturday, 25 January 2014 in various areas across Bekasi, South Jakarta, North Jakarta, West Jakarta, East Jakarta, Central Jakarta, tangerang and Ciledug, and involved employees as volunteers. the purpose of this activity was to instill a sense of togetherness in the CIMB Niaga extended family.

“the help given was very useful and, in my opinion, really on target and genuinely understood what we needed as we had to deal with the flooding. I have been a volunteer to help other employees and am very happy to give help, especially to other employees who were facing the difficulties experienced by flood victims. In fact, the following week, I too became a flood victim and was very grateful because I could receive help and be visited by employee volunteers. I witnessed their enthusiasm and the close relationship between employees. thank you CIMB Niaga, may the success of the Employee Helping Employee program continue.”

Arso Bagus Setiawan Centralized Banking Operations - Operations & It







“I experienced new lessons from harvesting. I learned how to harvest crops properly so that the harvest is maximized and the land can be used again after the harvest. It also added to my environmental understanding, love and awareness and provided me, and other participants, with added value because it was packaged in an interesting and fun way. Hopefully there will be a follow up and at least promotion of gardening within the work environment so that we can get more people into gardening.”

“taking part in the CIMB Niaga Goes Gardening First Harvest expanded networking potential between CIMB Niaga employees and, of course, raised our sense of care for the environment. I learned more about how to harvest crops properly. In fact, I learned many new things, gardening is fun if we use the right techniques and it is done happily. For the follow up activities, I hope that at least one or two full days are provided for the material to be absorbed and for the practice to be more effective.”

Aprilia Fatmadani Eka PradaniCorporate Banking Development Program Participant

Triyas Dhana Saputra Electronic Channel – Retail Banking

CIMB NIAGA GARDENING – FIRST HARVESTLC BUMI CIMB NIAGA GUNUNG GEULIS

Since planting took place in the CIMB Niaga Gardening activity on 7 December 2013, the first harvest had held on 8 February 2014 at the Learning Center Bumi CIMB Niaga Gunung Geulis, Bogor. the CIMB Niaga Gardening First Harvest, in addition to being an environmental CSR activity, also served as an environmental education opportunity for families and their beloved children as they could learn out in the open air. the harvest comprised vegetables such as water spinach, mustard greens, tomatoes, eggplant, chili and bitter gourd. After the harvest was taken in, the participants had the opportunity to taste their crop in omelets, smoothies, pecel kangkung and various steamed snacks provided by the organizing committee.

“this activity is a breakthrough for a banking institution. Employees who have to dwell on their work every day, of course, want an activity that can help relieve stress, and one method of doing this is by being outside, interacting with nature and being in the open air. Of course, gardening is a suitable, alternative solution to control stress. In addition, gardening helps maintain our health. this positive and creative activity will hopefully continue on an ongoing basis.”

“With this gardening activity, the participants will have benefited in ways they can use in their daily life. Education about the environment is closely related to improving the quality of our health. the planting, followed by the first harvest, proves our awareness of the importance of a love of the environment. this was not just a ceremonial activity, but a program implemented in a sustainable way. this activity also helps teach how to improve work productivity effectively and efficiently through fun gardening.”

Teguh Pujianto Indonesian Gardening Community

Ida Amal Indonesian Gardening Community






Joint Message from the President Commissioner and President Director [G4-1]

Dato’ Sri Nazir RazakPresident Commissioner

The Company’s growth

is not only beneficial to

the shareholders, it also

targets added value for

all stakeholders, from

the regulator, customers,

employees and their

families, to suppliers and

the public.






Arwin RasyidPresident Director

We understand that

CIMB Niaga’s growth

is inseparable from

the role played by the

public. We would not

be able to grow and

develop without public

support. Therefore, we

share the economic

value we generate with

the public through a

variety of social activities

implemented under the

Sharing Program.





Respected Stakeholders,

2014 was quite a challenging year for CIMB Niaga to conduct business, particularly with the ongoing economic slowdown and financial conditions globally having a negative impact on conditions in various markets, as well as on domestic industry.

In the midst of a challenging business climate, with liquidity pressure, a weakening rupiah, an increase in interest rates, as well as the impact of delayed business investment decisions due to of the General Election, we are grateful that, at the end of the 2014, CIMB Niaga had maintained its position as the 5th largest bank in Indonesia based on assets, loans and customer funds. CIMB Niaga has continued to be recognized as a business entity with a vision for sustainability, as evidenced by the various awards the bank has received related to its operational and financial performance, which resulted from its social sustainability performance.

CIMB Niaga has implemented sustainability strategies sharpened by observation and adapted to the latest sustainability developments, realized through its implementation of and participation in various programs and its efforts to fulfill its economic, social and environmental corporate responsibilities.

Operational Performance and Sustainability As of the end of 2014, CIMB Niaga had recorded a fall in net profit of 45.3%, at Rp2.34 trillion compared to Rp4.28 trillion in 2013. However, throughout 2014, the company still recorded asset growth of 6.5% to Rp233.16 trillion, up from Rp227.74 trillion in the previous year.

With its position as one of the largest banks in the country by assets, by upholding sustainability efforts CIMB Niaga hopes to continue to be one of the drivers of the national economy and also to contribute to regional economies. the company continues to build and strengthen its business in the midst of the community through innovative products and cutting-edge services, while sharpening its sustainability strategy.

the company will also continue to strengthen its operational foundation for sustainable business growth and the realization of its long-term vision to create added value for all stakeholders, including the regulator, customers, employees, suppliers and the public. this is accompanied by the consistent implementation of good corporate governance across all operating activities, which we believe provides the foundation for the creation of added value and supports business continuity.

Education as a Sustainable Investment One of CIMB Niaga’s sustainability visions for the nation is implemented through investment in education. the scholarship program routinely provides exemplary Indonesian students with undergraduate and post-graduate university education. this opportunity is given to those who excel and wish to continue their education to develop all their skills and talent.

In 2014, CIMB Niaga provided scholarships to 52 students at a total investment value of Rp2.8 billion. these scholarships were allocated under CIMB Niaga’s Scholarship Program and its Creative Industrial technology Excellence Scholarship program.

In addition, to support the programs of Bank Indonesia and the Financial Services Authority (OJK), the company has continued to implement its financial literacy program. this has remained a focus of CIMB Niaga given the public’s low level of understanding on financial management. We believe that good financial management can be one of the drivers to create a better life in the future. For this reason, in 2014, the company visited various elementary schools around the country to educate children and instill in them an understanding of the importance of saving.

Meanwhile, CIMB Niaga has continued its ongoing program “Let’s Save and Share” (Ayo Menabung dan Berbagi), which it launched in 2011. the Bank has visited 102 elementary schools across several Indonesian cities. As many as 14,866 students have gained an understanding of the financial

Joint Message from the President Commissioner and President Director [G4-1]






literacy concept of saving money, as well as the concept of sharing with others. In addition, in its operational areas, CIMB Niaga has participated in the OKJ program SiMOLEK, or Si MObil LitErasi Keuangan, which means the Financial Literacy Car. this is a special mobile unit that provides financial management information and encourages public interest in using financial products and services.

Caring for the Environment and Society for the sake of a Decent Living Standardthe company’s vision of social and environmental sustainability is realized through community programs and activities, as well as a variety of activities that promote environmental conservation. Among these social programs are donations to help victims of natural disasters affecting both employees and the general community, as well as donations to orphanages and foundations.

One form of CIMB Niaga’s commitment to the environment is realized through credit provision to companies that also have environmental concerns. In addition, the Company continued to innovate and develop products and services that minimize environmental impact through the expansion of online-based products.

ClosingIn all its sustainability activities, CIMB Niaga has invited stakeholder participation given that sustainability is a shared responsibility.

As such, reflecting on all the targets and results achieved throughout 2014, the Board of Commissioners and

Directors express their sincere thanks to all CIMB Niaga employees and their families, as well as their highest appreciation of the stakeholders for all the support they have given.

CIMB Niaga will continue to strengthen its implementation of sustainability principles in every line of banking operations and services. the company will also continue to encourage greater participation from customers and business partners in the journey to achieve sustainable growth with CIMB Niaga.

the Company will always strive to provide inspiration to its employees, as without their support, the Company’s sustainability efforts would be difficult to achieve, especially improvements to internal processes. CIMB Niaga is committed to continuously improving the implementation of programs for energy and water saving, as well as waste management in the operational environment in which we work. From the community aspect, through a variety of social programs, CIMB Niaga is committed to continue assisting the people of Indonesia by expanding its services, supporting government programs to educate and provide financial literacy, encourage branchless banking through the Inclusive Financial Framework, as well as implementing e-money so that all Indonesians can enjoy banking services so as to be able to meet their needs through the provision of good, safe and practical products and services.

Jakarta, March 2015

On behalf of Directors On behalf of Commissioners

Arwin Rasyid Dato’ Sri Nazir RazakPresident Director President Commissioner





About This Report






This 2014 Sustainability Report contains the Company’s sustainability activities and initiatives for the period of 1 January to 31 December 2014.

this 2014 Sustainability Report contains the Company’s sustainability activities and initiatives for the period of 1 January to 31 December 2014. this is our 4th Sustainability Report, and is a supplement to the Company’s 2014 Annual Report and is in compliance with Financial Services Authority’s regulations as stipulated in Decree of the Head of Bapepam-LK No: KEP-431/BL/2012 dated 1 August 2012. the Company’s first Sustainability Report was published in 2011 and since then it has been a routine part of our annual reporting. the 2013 Sustainability Report was published in March 2014. [G4-28][G4-29][G4-30]

Guidelines and Assurance [G4-32] [G4-33]this report contains information on the company’s participation during 2014 in various sustainability initiatives and programs related to economic, environmental and social aspects, and is compiled based on version 4 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 82.

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 assessing several assurance service providers. Other than appointing Pt Moores Rowland Indonesia as an independent assessor, the company has no other working relationship with them. the independent assuror’s guarantee for CIMB Niaga’s 2013 Sustainability Report is presented on page 80.





Report Content Determination Process [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, report content and validation of material aspects disclosed in this Report. Stakeholders were involved in a Stakeholder Discussion Group forum. 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. then, referring to the principle of completeness, the Report was compiled with a clear scope and supported by complete data.

Report Content Determination Flowchart

2014

SUStAINABILItY

REPORt

StEP 1Identification

StEP 2Prioritization

StEP 3Validation

StEP 4Review

Sustainability Context

Sustainability Context Stakeholder Inclusiveness

Materiality

Stakeholder Inclusiveness

Completeness






Determining Material Aspects and Boundary [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 that contributed to data for the 2014 Sustainability Report. Employee participation took place through a G4 Workshop that served as an analysis forum to determine material aspects and boundaries for the needs of the 2014 Sustainability Report.

List of Material Aspects and Boundary

Aspek Material Boundary

1. Economy

2. Indirect economic impact

3. Energy

4. Emissions

5. Labor

6. Employee health and safety

7. training and development

8. Supplier labor practices assessment

9. Assessment of supplier human rights practices

10. Freedom of association and collective bargaining

11. Local communities

12. Product labeling and services

13. Customer privacy

14. Product portfolio

CIMB NIAGA

OUTSIDE THE COMPANY

Subsidiary

Cleaning ServiceS

ales

Security

Col

lect

or

CIMB Niaga

Subsidiary

Outside the Company

Tran

sporta

tion





this report contains data on the economic, environmental and social performance from 1 January to 31 December 2014 for CIMB Niaga Head Office and its branches across Indonesia. the Company is recorded as the majority shareholder of two subsidiaries, Pt CIMB Niaga Auto Finance (99.9%) and Pt Kencana Internusa Artha Finance (51%). However, with the exception of financial information, this Sustainability Report does not include sustainability information on its subsidiaries.

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.

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.

Determining Materiality Level [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 opinion on the issues to be disclosed in the 2014 Sustainability Report through a Stakeholder Group Discussion held on 29 January 2015 at Graha CIMB Niaga, Jakarta, in which the company’s employees also took part. the company also conducted a survey for various groups of stakeholders, including the labor union, large customers, small customers, the community, NGOs, suppliers, banking industry associations and the government. From this survey, an illustration was obtained as to the materiality level of the issues to be disclosed, as shown in the materiality level graph below.

Low

Med

ium

Hig

h

Low Medium High

Important for the Company

Impo

rtan

t for

Sta

keho

lder

s

Equal Opportunities

Tree Planting

Remuneration and compensation

Clarify of information for products and services

Improving community living conditions

Banking facilities for communities in remote areas

Community Donations

Banking facilities for the disabled

Financing the MSME sector

Training and development

Employee rights

Community empowerment

Fuel and electricity e�ciency

Community Dialogue

Financing the renewable energy sector

Diversity and respect for human rights

Banking ease of access

Occupational health and safety

Banking security

Reducing greenhouse gas emissions






Significant Changes Compared to the Previous Year [G4-22][G4-23]the company can report that in this Sustainability Report period there have been no significant changes or restatements of data from previous years. there have also been no fundamental changes compared to previous years in relation to organizational structure, capital structure or ownership, or to the company’s operational areas.

Contact Us [G4-31]the company is committed to continually improving the quality of its Sustainability Report. thus, the company invites readers and all its stakeholders to submit advice, ideas, criticism or questions about this report to:

Corporate Secretary

Graha CIMB Niaga 16th FloorJl. Jend. Sudirman Kav. 58Jakarta 12190, Indonesiatel.: (62-21) 250 5252, 250 5353Fax.: (62-21) 252 6749Email: [email protected]: CIMB Indonesiatwitter: @CIMBIndonesia





CIMB Niaga Profile






CIMB Niaga invites the public to grow together and to utilize the potential in the Southeast Asia region, in line with the brand positioning of CIMB Group, “ASEAN For You”.

Pt Bank CIMB Niaga tbk (“CIMB Niaga” or “the Company”) was established on 26 September 1955 under the name Pt Bank Niaga. thanks to its professionalism and dedication to carrying out business, Bank Niaga became widely known as a provider of quality banking products and services that were innovative and reliable. 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]

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) in November 2002. 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]

the merger of LippoBank and CIMB Niaga was a large step for the Southeast Asian banking sector and provided the company with a platform to provide comprehensive services to all its customers. Per 31 December 2014, the company domiciled its head office at Graha CIMB Niaga, Jakarta, and had a network of 964 offices per 31 December 2014, comprising 628 branch offices, 320 Mikro Laju outlets (including 18 outlets within branch offices), 69 cash offices and payment points (including 21 digital lounges), and 20 mobile cash units. As of the end of 2014, CIMB Niaga had 15,003 employees spread across Indonesia. the company at this time managed total assets of Rp 233.16 trillion and in 2014 recorded a profit of Rp 2.34 trillion. [G4-3, G4-5, G4-6]





As of the end of 2014, 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]

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

the development of branchless banking, or electronic distribution routes, is a company strategy to serve its customers, in particular in the consumer banking segment. to achieve this, the company always complements services that support the creation of a consumer experience, namely through Preferred Phone Banking 500 800 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). the company is also connected to an extensive network of national and regional AtMs through AtM Prima, AtM Bersama, Cirrus, VISA and MEPS, thus giving customers flexibility and ensuring ease of transactions

both in Indonesia and in the region, including in Singapore, Malaysia and thailand. [G4-4]

Share Ownership [G4-7]Pt Bank CIMB Niaga tbk shares are recorded and traded on the Indonesia Stock Exchange (IDX) under the share code BNGA. Per 31 December 2014, share ownership in the Company was as follows:

Company Share Ownership per 31 December 2014

Shareholders 2014 2013CIMB Group Sdn Bhd 96.9% 96.9%Public* 3.1% 3.1%

*) including the share of Pt Commerce Capital amounted to 1.02% which is 100% owned by CIMB Group

the Company can report that there has been no significant change during 2014 related to share ownership in the company or to any other fundamentals. [G4-13]

CIMB Niaga in Numbers [G4-9]

Information 2014 2013total employees (people) 15,003 14,342total Branch Offices 964 969AtM machines 3,272 2,885Profit (Rp billions) 13,255 13,564total Capitalization: - total Assets (Rp trillions) 233.16 218.87- total Liability (Rp trillions) 204.71 192.98- total Equity (Rp billions) 28,79 25.792










Milestones

Established as PT Bank Niaga

1955

1987

19731983

2006

Merger with:- Bank Agung - 1973- Bank Tabungan Bandung - 1978- Bank Amerta 1983

2004

Launched Syariah banking

2005

1989

2002

2008

First domestic Bank to offer ATM facilities

Bank Niaga recorded on Jakarta Stock Exchange and Surabaya Stock Exchange

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

Rp1.3 trillion Rights Issue and issue of USD100 million in subordinate bonds

Issued USD200 million in subordinate bonds

Name change to PT Bank CIMB Niaga Tbk and acquisition of all CIMB Niaga shares from LippoBank

Established as PT Bank Niaga

1955

1987

19731983

2006

Merger with:- Bank Agung - 1973- Bank Tabungan Bandung - 1978- Bank Amerta 1983

2004

Launched Syariah banking

2005

1989

2002

2008

First domestic Bank to offer ATM facilities

Bank Niaga recorded on Jakarta Stock Exchange and Surabaya Stock Exchange

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

Rp1.3 trillion Rights Issue and issue of USD100 million in subordinate bonds

Issued USD200 million in subordinate bonds

Name change to PT Bank CIMB Niaga Tbk and acquisition of all CIMB Niaga shares from LippoBank






2011

2013

2010

2012

2009

2014

Issued subordinate bonds of Rp2.98 trillion, implemented Rights Issue of Rp1.5 trillion, obtained AAA Rating from Fitch Rating, and launched internet banking platform BizChannel and CIMB Clicks

Fifth largest bank in Indonesia and launch of micro financing under the name Mikro Laju.

Launched Sharia Gold Pawn (Rahn) business, issued Senior Bonds of Rp1.5 trillion, and made subordinated debt payment of USD200 billion.

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

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

Launched co-brand CIMB Niaga AirAsia BIG Card credit card

Launched the first Online TD opening in Indonesia through CIMB Clicks





Sustainability Governance






The Company’s sustainability targets are intended to create a balance between economic, social and environment aspects in all business activities. To achieve this, the company has been building institutional governance initiatives that are right for the company, combined with corporate citizenship participation that is structurally implemented with the full support of the parties concerned. [G4-34]

Governance StructureThe Company’s governance organs consist of the General Meeting of Shareholders (GMS), Board of Commissioners (BoC) and Directors. In this governance structure, the GMS is the Company’s highest body, while the Board of Commissioners acts as the oversight body for the Company’s management and provides advice to the Directors, who are responsible for running the Company in accordance with the directions and strategies determined.

Governance is implemented in the Company with the support of Committees in BoC level, various Executive Committees, and other units with independent function, including: 1. Corporate Governance Committee 2. Nomination & Remuneration Committee 3. Risk Monitoring Committee 4. Audit Committee 5. Risk Management Committee 6. Operational Risk Management Committee 7. Information Technology Steering Committee 8. Asset and Liability Committee 9. Credit Policy Committee10. Business Development Committee11. Marketing and Communication Committee12. Personal Policy Committee 13. Capital Investment Committee14. Compliance Management Work Unit15. Internal Audit and External Audit Work Unit16. Corporate Secretary, and 17. Syariah Supervisory Board (DPS) [G4-34]





Scope of GCG

GMS

Board of Directors

Manager Manager

Employee

Manager

Board of Commissioners

Government(Regulator)

Tax

Business Climate

Shareholder

Dividend

Capital

Supplier

Market Price

Materials & Services

Supplier

CSR

CompanyImage

Creditors

Debt Capital

Interest Rate

Labour Union

Productivity

Welfare

Consumers

Market Price

Products & Services

Other Stakeholders

GCG ingeneral terms

GCG in terms of Company

Specific

GCG in terms of Company Management

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 2014, the Company held one GMS, namely the Annual GMS, which was convened on 27 March 2014 on the 2nd floor of Soehanna Hall - the Energy Building, Jl. Jenderal Sudirman Kav. 52-53, SCBD Lot 11 A, Jakarta Selatan 12190. this GMS was attended by shareholders and or their representatives representing a total of 24,627,215,392 shares, or 97.99% of the total 25,131,606,843 shares issued by the Company.

Board of Commissioners and Directorsthe duty of the Board of Commissioners is to supervise the Company’s management as implemented by the Directors and to provide input to the Directors on matters related to their duties and responsibilities. the selection and appointment of members of Directors and Board of Commissioners is conducted through the GMS in accordance with the results of fit and proper tests. the selection and appointment of members of the Directors and Board of Commissioners must be approved by Bank Indonesia or the Financial Services Authority.

General Meeting of Shareholders (GMS)the GMS is the body that has authority not afforded to the Directors or the Board of Commissioners, within certain limits 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, both with 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 made based on the GMS agenda.






the duties and responsibilities of the Company’s Board of Commissioners and Directors are contained in the Board of Commissioners and 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.

the Board of Commissioners and 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 leastonememberof theBoardofCommissionersshall be domiciled in Indonesia;

• a minimum of 50% of members of the Board ofCommissioners shall be Independent Commissioners.

• membersoftheBoardofCommissionersmayserveina position as a member of the Board of Commissioners, 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, the company reports any familial, financial, managerial and/or shareholding relationships between members of the Board of Commissioner and Directors in the bank and in other companies domiciled in Indonesia or overseas in a single report that is updated annually.

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

CIMB Niaga Board of Commissioners per 31 December 2014

Name Position

Dato’ Sri Nazir Razak President Commissioner

Glenn M.S. Jusuf Vice President Commissioner

Roy Edu tirtadji Independent Commissioner

Sri Hartina Urip Simeon Independent Commissioner

Zulkifli M. Ali Independent Commissioner

Pri Notowidigdo Independent Commissioner

Ahmad Zulqarnain Che Onn Commissioner

David Richard thomas Commissioner

CIMB Niaga Board of Directors per 31 December 2014

Name Position

Arwin Rasyid President Director

Daniel James Rompas Vice President Director

Lo Nyen Khing Vice President Director

Lydia Wulan tumbelaka Director

Wan Razly Abdullah Director

Rita Mas’Oen Director

Samir Gupta Director

Megawati Sutanto Director

Harjanto tanuwidjaja Director

Vera Handajani Director

John Simon Director

Further information can be found in the CIMB Niaga 2014 Annual Report.

Governance Implementation Mechanism Commitment to Governance Implementation [G4-56]Full commitment to sustainability governance implementation in all the Company’s operational activities is reflected in the establishment of the company’s vision and the internalization of various key values we profess as part of the corporate culture. In addition, the five principles of good corporate governance, as defined by Bank Indonesia (BI), namely transparency, accountability, responsibility, independence and fairness, also serve as the Company’s corporate governance guidelines.

the vision and various values and principles are then translated into a series of codes of conduct that guide the behaviour of the Company’s employees in their decision-making, actions and interactions within the scope of the Company’s operations.

the entire process of achieving the vision, the internalization the values and complying with the code of conduct is led by top management and demonstrated through various routine outreach programs for further compliance by all employees in the Company. In addition, the Company also requires the signing of an Integrity Pact by all employees stating their willingness to always comply with the points of the Company’s Code of Conduct as one way of internalizing values.





Risk Management [G4-14]the Company implements risk management as part of its corporate governance to ensure the sustainability of business activities and to take mitigation steps and reduce the general impact of potential risks. the Company monitors potential risks from inception and it continues based on self-assessment and risk profile reports. Based on information and evaluation of the potential risks, thorough risk management is implemented and 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.

In particular, credit risk is managed through the implementation of an Anti-Money Laundering and Combating terrorism Financing Program, 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 done 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, the Company 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]

Stakeholder Involvement [G4-24, G4-25, G4-26, G4-27]the Company maintains and supports the rights of its stakeholders. In addition, the Bank also maintains business relationships that are sustainable and in accordance with guidelines for good corporate governance for the sake of a healthy business environment.

In the GRI-G4 guidelines, stakeholders are defined as entities or individuals that may be affected significantly by the activities, products and services of a company, or who could take action that could affect the company’s ability to achieve all its objectives.

to that end, CIMB Niaga has implemented 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 were 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

the four levels of engagement conducted by the Company for its stakeholders are: (1) empowerment; (2) collaboration; (3) consultation; and (4) communication, in accordance with the AA1000 SES (2006) framework.

Stakeholder engagement for sustainability initiatives undertaken during 2014 have included convening the Annual General Meeting of Shareholders (AGMS), publishing annual reports, activities related to investor relations, customer satisfaction surveys, public expose, union meetings and other informal meetings. the company also seeks a reciprocal relationship that gathers various issues and inputs from the stakeholders on a variety of topics related to sustainability. All issues and input submitted by stakeholders are carefully studied by the Company.






Stakeholders DeterminationBasis

InvolvementMethod Purpose Frequency Topic

Customers •Influencer•Dependent

Call CenterService

Serving customersAnd Receiving complaints

At any time - Banking transaction security- Consumer credit, Small and

medium Businesses- Banking facilities and Ease of

access- Clear and transparent

banking product and service information

- Credit request Process

Customer SatisfactionSurvey

Identifying customerSatisfactionAnd requiredbankingaspects

Annually

Websiteinformation& Frontlineinformation

Banking Education As required

Shareholders/Investors

• Responsibility PerformanceReport

PresentingorganizationalPerformance andCompanyStability

quarterly - Financial Performance- Investments in

Environmentally Friendly companies

- Non-financial performanceGeneralMeeting ofShareholders

Reporting onthe company’sperformance andgovernance

At least onceA year

Employees • Responsibility Media Internal(Portal)

DisseminatingPoliciesAnd employmentStrategies

Annually - Employee rights- Equal Opportunity- Recruitment Process- Career Development- Valued and Enjoyable Work

experienceEmployeeSatisfactionSurvey

IndentifyingEmployeeSatisfaction andexpectations

Annually

Labor Union • Influencer DiscussingCollectiveLaborAgreement

FosteringBipartite relationsWith Labor union

Annually - Employee rights- Remuneration and benefits

GovernmentAndFinancialServicesAuthority

• proximity• influencer• responsibility

ReportingComplianceAnd notifyingBankIndonesia and Financial Services Authority

Reporting onCompliance levelsWith prevailinglegislation

twice a year - Compliance with Rules and Regulations

- transparent Information- Opportunity to cooperate in

organizing CSR programs- Corporate Governance- Environmental and social risk

analysis for credit provision- Anti Bribery and Corruption

(ABC) and Anti Money Laundering (AML) and Anti terrorism

- the principle of prudence in CIMB Niaga’s Operations and Banking services

- Green Banking

Basel II Accord - BaselCommittee

Participation inStudy activitiesOrganized by thecommittee

At leastOnce a year

Reporting onSyariahComplianceto the NationalSyariahBoard

Reporting onCompliance levelsWith SyariahPrinciples

At leastOnce a year

Suppliers • Dependence Seminars andPolicyDissemination

Developing CIMB Niagamerchants andvendors

At leastOnce a year

- Mutually beneficial Relationship with Suppliers

- Fair and transparent procurement process for goods and services





BusinessOrganizations

• Representative Meetings andNational andRegionalActivities

Raising awarenessOf banking andfinancial governance

At leastOnce a year

- Financial performance - Investments in

Environmentally Friendly companies

- Non-financial performance - Operational activities - Business development

Direction (strategic direction)

InternationalConferences

Raising awarenessOf banking andfinancial governance

At leastOnce a year

CommunityOrganizations/ NonGovernmentInstitutions

•Representative StrategiccooperationIn CIMB NiagaSocial care

Empoweringthe socialenvironmentAnd improvingWelfareProgram targets

At leasttwice a year

- Environmental impact and performance- CSR (Corporate Social

Responsibility) program Progress implemented and planned

- Opportunity to collaborate in CSR programs

- Information on Company activities

Reporting onCommunityStewardshipProgram

PromotingCIMB Niaga socialPolicies andprograms

Annually

Media •Representative Press Release ProvidingInformation relatedto banking business

As required - Financial performance - Non-financial Performance- Environmental impact and performance- CSR program Progress

implemented and planned- Opportunity to collaborate in

CSR programs- Information on Company

activities

Relationship with Suppliers [G4-12] [G4-LA14] [G4-HR10]Suppliers are business partners who grow and develop with the Company. In the sustainability relationship mapping analysis, the Company’s suppliers were divided into 2 (two) groups.

The first group are suppliers of general goods and services. For this group, their 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 to work in.

The second group, 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 labour 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 labour and human rights. this is also strictly upheld in work contracts with relevant suppliers. the selection process and assessment of each supplier is done in a manner that is fair and transparent, with attention to a number of criteria including: administrative requirements, legal, operational performance, compliance with employment regulations, human rights and the relevant CIMB Niaga rules and code of conduct.

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






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

Environmental, 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.

Social, 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.

the company holds Vendor Gatherings as an open communication forum for suppliers as an annual event, most recently run by the Procurement, Property and Administration Services (PPAS) directorate on 20 March 2014 at CIMB Niaga Icon Pondok Indah with the theme Partnership for Growth together, which was attended by representatives of 100 suppliers.

Compliance and Associations [G4-15] [G4-16]CIMB Niaga 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.

the Bank applies the principles of transparency to financial and non-financial matters, applies risk management, and monitors and measures governance performance in accordance with 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. Indonesian 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.

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











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.

the macroeconomic situation in Indonesia during 2014 was still influenced by the global economic slowdown, along with the falling price of commodities, which resulted in low demand for Indonesia’s export products. In addition, the domestic political situation during the legislative and presidential elections caused a reduced flow of foreign investment, in particular in the third quarter. Furthermore, the government removed the fuel subsidy toward the end of 2014, which resulted in soaring prices for staple goods. Cumulatively, these difficult conditions ultimately caused a rise in the inflation level and a fluctuating rupiah exchange rate.

A direct impact was felt in the banking sector with increasingly tight competition to collect funds. A weakening of the stock market and asset quality were the main concerns of businesses in the banking sector. However, CIMB Niaga was able to adapt to the challenges presented and the dynamics of the economy during 2014 by continually improving services and internal operations for the convenience and satisfaction of its customers and other stakeholders.

The Company’s Participation in Economic Growth and State Revenue [G4-DMA]As the fifth largest private domestic bank by assets, with total assets reaching Rp233.2 trillion per end 2014, supported by services that spread across the majority of the country, the company supported the national economy through both direct and indirect contributions.

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.





Direct Contributions (G4-EC1]the company’s direct contributions to the state were through the payment of Corporate tax of Rp857 billion in the 2014 reporting year, a fall of 44% on the previous year.

Economic Value Distributed In millions of Rupiah

Economic Value Achieved 2012 2013 2014total Operational Revenue – before tax 12,940,184.00 13,564,454.00 13,282,859

Operational Expenses (6,056,466.00) (6,495,003.00) (6,858,346)

Employee Salaries and other benefits (2,881,704.00) (3,229,054.00) (3,281,221)Dividends No dividends

paid, all recorded as retained profit

No dividends paid, all recorded as retained profit

No dividends paid, all recorded as retained profit

taxes (1,537,066.00) (1,535,866.00) (856,329)

Corporate Social Responsibility 15,216 18,749 18.987

In addition, the company also pays tax on a variety of its investment activities, covering the procurement of goods to support operational activities and other physical investments.

Indirect Contributions Through Investments and Banking Services [G4-DMA, G4-EC8]One of the company’s indirect contributions to the economy and state revenues is through its support for various funding and investment activities that are able to provide a broad economic impact for customers and other stakeholders in the vicinity of the company’s working area. the company believes that providing credit to develop various domestic businesses increases economic activity in the country and also provides added tax value to the state.

Product and Service Reach [G4-FS6]the company has undergone transformation from a local banking institution to a renowned international banking network for the Southeast Asia region. to achieve this, 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 implemented to encourage an overall increase in the frequency of product use. In addition, in 2014, the company introduced a number of new savings product, including the repackaging of several products, such as CIMB Niaga Hypermart Savers, Individual Business Savings in IDR and USD, On Account, and Xtra Education Savings.

• CommercialBanking the company’s commercial banking segment, i.e.

High-End Commercial, Middle Commercial (SME Commercial) and Micro Finance, has expanded its reach into agriculture, property, manufacturing, infrastructure and tourism.






• CorporateBanking the Corporate Banking segment 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.

• SyariahBanking CIMB Niaga’s Syariah Business is offered through the

Syariah branch network and Syariah service offices (office channelling/OC), available in every branch across Indonesia.

• TransactionBanking transaction Banking connects the company’s corporate

and commercial customers with suppliers, distributors and employees through distribution routes of their own choosing.

• PrivateBanking through the products and services CIMB Preferred,

Private Banking and Wealth Management (PPWM), the company 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.

Realized Lending CIMB Niaga’s lending focus is on the commercial, retail, corporate and Syariah segments. At the end of 2014, CIMB Niaga had recorded disbursed loans to corporate and individual customers with total outstanding loans reaching Rp176.4 trillion, an increase of 12.4% from the Rp157.0 trillion in 2013.

Credit based on Segment

Credit based on Segment

2012 2013 2014 Perubahan %

Rp trillion

Rp trillion

Rp trillion

2012 - 2013

2013 - 2014

Corporate Banking 43.5 43.9 55.4 0.9 26.2Commercial Banking 30.3 34.1 36.1 12.6 5.7MSME Banking 27.5 31.1 34.9 13.1 12.2Consumer Banking 44.1 47.9 50.0 8.6 4.4total 145.4 157.0 176.4 8.0 12.4

Credit based on segment

Corporate Banking: 28.0%

MSME Banking: 19.8%

Commercial Banking: 21.7%

Consumer Banking: 30.5%

Micro, Small and Medium Enterprise Credit [G4-FS7]the company continues to support the growth of community welfare through specialized banking products for micro and small entrepreneurs through its Mikro Laju units. As of the end of 2014, there were 325 Mikro Laju units in Indonesia with total loans disbursed having increased from Rp2.4 trillion to Rp3.0 trillion. the number of micro and small businesses that have taken credit from Micro Laju units rose to more than 21,328 customers compared to over 16,000 customers in the previous year.

In addition, CIMB Niaga has in the last few years also introduced Islamic banking services that not only support the small and medium-scale economy but also contribute to the achievement of spiritual purpose of individual customers. the Syariah Business Unit in 2014 experienced a decrease in total outstanding sharia-based financing of 3%, down from Rp6.6 billion in 2013 to Rp6.4 billion.





Supporting Financial Literacy [G4-FS14, G4-FS16]to support the Financial Literacy Program, CIMB Niaga participated in making the SiMOLEK (Si MObil LitErasi Keuangan – literally, Financial Literacy Vehicle) program operational, which is a Financial Literacy move launched by the Financial Services Authority (FSA). SiMOLEK consists of vehicles especially designed by the FSA that are operated with the aim of increasing public awareness of financial literacy and encouraging community interest in the use of financial products and services. CIMB Niaga has participated by implementing SiMOLEK in 14 areas, namely Greater Jakarta (Jabodetabek), Medan, Semarang, Surabaya, Bandung, Makassar, Pekanbaru, Cirebon, Yogyakarta, Malang, Samarinda, Banjarmasin and Manado.

the Bank has also continued its “Let’s Save and Share” campaign, which was launched in 2011 with programs and activities in elementary schools in various parts of the country. In 2014, this campaign involved 30 elementary schools in 12 cities, namely Banda Aceh, Palembang, Balikpapan, Manado, Cirebon, Solo, Yogyakarta, Magelang, Jayapura, Malang, Surabaya and Jakarta and its surrounding areas. From its inception until 2014, CIMB Niaga has managed to educate as many as 14,866 students in Indonesia. the Let’s Save and Share program will continue to be implemented in support of the Education and Banking Financial Literacy Program in Indonesia.






Remittance Facilities for Indonesian Workers Overseas (TKI) [G4-FS13]the remittance facility for Indonesian workers overseas was first offered by CIMB Niaga in Hong Kong in the 1980s through its subsidiary Niaga Finance Company. Currently this service has been extended to the Middle East and the Asia-Pacific region and has set up cooperation with 20 Money transfer Operators.

the company has worked with CIMB Group to develop a remittance service for migrant workers through its product remittance ‘Speed Send’, which currently serves

the transaction needs of migrant workers in 14 countries, including Indonesia.

this facility is offered to demonstrate the bank’s commitment to serving the needs of people working overseas. through this remittance service, migrant workers overseas can send money to their families or other people in their hometowns quickly and safely at a competitive and affordable cost. through this facility, CIMB Niaga is also contributing to the development and local economy in the migrant workers’ hometowns.











As a form of commitment to environmental conservation, the Company also implements environmentally friendly operations through smart spending and green office policies

the company understands that all human activities must be in harmony with the sustainability of nature. It is important to understand this concept considering that the essence of life and mankind’s future depend on the state of nature and the environment. Based on this understanding, the company is fully committed to supporting a range of efforts related to environmental sustainability.

the challenge of climate change caused by a lack of attention to environmental conservation efforts in a variety of human activities has sharpened our focus on the target of balancing people, profit, planet (3P) in each of the Company’s operations.

As a company engaged in the banking sector, none of our operational activities and products and services have a direct impact on the environment when compared to other business sectors and industries, such as mining, agriculture, manufacturing, and so forth.

However, the Company provides its full support to efforts being made by people, organizations, businesses and industries to reduce the negative impact on the environment, as well as by the Government, through compliance with various laws and regulations that have become one part of the chain of overall environmental sustainability initiatives.





An Environmentally Aware Company As a financial intermediary institution that raises and distributes funds, the Company has adopted policies for business management and fund disbursement that take into account environmental aspects. Such policies are known by the term green banking.

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, the Company 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.

As a form of commitment to environmental conservation, the Company also implements environmentally friendly operations through smart spending and green office policies. the application of these environmentally friendly programs is fully supported and implemented from the management level down to employees throughout the Company’s operational offices.

Guidelines and Standards Policiesthe 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:• LawNo.10/1998onBanking;• Law No. 32/2009 on Environmental Protection and

Management;• BankIndonesia(BI)Regulationin2004;• PoliciesoftheIndonesianNationalCouncilonClimate

Change;• United Nations Framework Convention on Climate

Change (UNFCCC);• UnitedNationsEnvironmentProgram(UNEP);and• EquatorPrinciples(EP).

Equator Principles (EP)In particular, the Equator Principles (EP) are a risk management framework used by various financial institutions around the world to determine, assess and manage environmental and social risks that may arise from infrastructure development projects or large-scale industry that will be funded by the financial institution.

the term equator represents the meaning that the ten principles that form the EP framework can be applied by all business sectors worldwide. the EP framework has been implemented by global financial institutions since 2003 and currently follows the International Finance Corporation (IFC) performance standards on social and environmental sustainability, as well as World Bank guidelines related to the environment, health and safety.

Financial institutions that adopt this principle do not give credit to borrowers who are unable to apply with environmental risk mitigation standards. there are 73 financial institutions in 27 countries recorded as officially implementing EP in their operations.

Government Policythe 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 26% by 2020.

CIMB Niaga, as one of the leading private banks with a high awareness of environmental conservation efforts, is determined to fully support the Indonesian government in the realization of its emission reduction target. the company also continues to monitor and participate actively 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.

Environmentally Friendly Credit Policy [G4-FS8]the Company’s policy to apply environmentally friendly lending is a way for it to identify with environmental conservation efforts, as well as to adhere with Government and industry rules and regulations.

the Company requires prospective commercial clients engaged in processing-based manufacturing, agriculture, mining and large-scale infrastructure development projects to 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) 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.

Smart Spending Policy [G4-EN6, G4-EN19]the Company, through its Cost Management and Control Division unit, applies the Smart Spending 2014 policy, which is in follow up to the previous policy that had been in place since 2009 and that creates an increasing amount of policy materials that are more easily understood and implemented, which, in turn, is expected to provide better support to improve the already well implemented Smart Spending culture.

this is an environmentally friendly operational policy that also has an impact on the Company’s operational savings or efficiencies. through the implementation of this policy, the use of fuel, electricity and paper have been significantly reduced with the objective of creating an environmentally friendly company.

CIMB NIAGA Smart Spending Efficiency Program [G4-DMA]

Vehicle LeasingWhen 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.

Standardising Paper SizeThe company has set a standard paper size of HVS A4 70 gram for daily needs (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.

Promoting the Use of E-StatementsEfforts are made for all types of reports to customers (Giro statements, Educational Saving Reports, credit card statements, etc.) to be paperless, in the form of an e-statement. The objective is to reduce the use of paper and the cost of delivery, which is also related to reducing emissions levels from transportation.

Limiting Use of ElectricityAuthorization 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.

Saving ElectricityElectricity savings are implemented through the use of energy-efficient electrical installations (light bulb type, zoning, light positioning, etc.) and air conditioning load for overtime. In addition to reducing emissions resulting from electricity use, more effective working hours and a reduction in overtime hours can result in a reduced use of electricity.





Green Office the Smart Spending Program directly supports the Green Office policy, 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 the company’s care for the environment 2. Increasing work productivity.3. Educating employees to participate in caring for the

environment at work and at home. 4. Creating a unique, beneficial and sustainable

corporate strategy.

the Green Office policy consists of 3 (three) main types of activity, as illustrated below.• RecycleProgram

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

- Composting organic waste for personal use or for sale.

- this program is being gradually implemented in all head office and branch networks.

• LessPaperOfficeProgram- the optimal use of multifunction printers (MFP) for

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

- Units/groups using MFP are required to return or re-allocate their conventional photocopy machines, fax machines, scanners and printers to other users.

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

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






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

- Printing on both sides of a sheet of paper. - Printing in draft quality to save printer toner.

• EnergySavingProgram(G4-EN6)- turning off lights/electrical appliances not in use

outside of office hours. - 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.

- A requirement to use fuel efficient vehicles.- A requirement to use teleconferencing and video

conferencing for meetings where participants are in distant locations.

the Company does not yet have any quantitative data demonstrating the direct impact of the Green Office and Smart Spending policies on electricity use, fuel and transportation use, or paper use. However, operational costs related to these have shown a tendency to fall since the application of both policies.

Environmental Conservation through the CSR Programthe company also demonstrates is full commitment to environmental conservation with various CSR activities related to the environment. A discussion related to such environmental programs is discussed separately in the CIMB Niaga Cares chapter.





CIMB Niaga Cares [G4-DMA]






The Company has proactively developed Corporate Social Responsibility (CSR) initiatives under an umbrella program called CIMB Niaga Cares. Through this program, the Company plans and organizes various CSR activities based on its desire and concern to help and assist.

Being in the midst of a community, nation and state, as well as being an essential element to drive social life, the Company is called to not only provide products and services to its customers but also provide real and meaningful contributions to improve the welfare of society, especially in the Company’s operational areas.

Considering the various social welfare issues that the Government must handle, the Company also wishes to contribute to the reduction of these issues, or even to solve them. Many of these problems are associated with matters of welfare, natural disasters, unemployment, underdevelopment, and so forth.

the Company has proactively developed Corporate Social Responsibility (CSR) initiatives under an umbrella program called CIMB Niaga Cares. through this program, the Company plans and organizes various CSR activities based on its desire and concern to help and assist, be it to those in need or in a variety of efforts to improve human welfare and environmental protection, such as education, health, sanitation, reforestation, and so forth.

Specifically, in carrying out various CSR activities, as a national bank that represents the diverse interests of the community and industry, the Company applies the principle of independence and neutrality from associations with specific stakeholders that could influence the decision making and implementation of other activities outside CSR objectives. to ensure independence, the Company maintains transparency by means of monitoring and assessing the planning and implementation of CSR activities. this supervision and appraisal is conducted regularly and continuously.





Program Strategy and Implementation [G4-EC8] [G4-SO1] [G4-EC7] [G4-DMA]the focus of the CIMB Niaga Cares program is divided into 4 (four) pillars, namely education, community development and empowerment, philanthropy and environment. total CSR investment in 2014 totalled Rp18.9 billion.

Community Development and

Empowerment

Philanthropy

Education

Environment

EDUCATION [G4-SO1][G4-FS16]Education has become a major focus in the CIMB Niaga Cares program implementation. the CIMB Niaga Cares education program is divided into three major programs, namely the Scholarship Program, Community Education in Banking, and School Based Management.

Scholarship Program [G4-EC8][G4-SO1]the Scholarship Program is the largest program that the company runs and is implemented at all educational levels, from basic education to higher education and skills training.

this way, the company can provide comprehensive support to develop skills and abilities in human resources to ensure they have suitable qualities and fulfil skills standards in various fields of work.

the Scholarship Programs offered by the company include:

CIMB Niaga Outstanding Achievements Scholarship (Local undergraduate degree)this scholarship is given to high school or equivalent students to continue their education with a bachelor degree at renowned universities in Indonesia. this Program is implemented in cooperation with the Education and Culture Ministry.

Between 2006 and 2013, universities that had had the opportunity to participate in this Scholarship Program were University of Indonesia (UI), Padjajaran University (UNPAD), Bandung Institute of technology (ItB), Bogor Agricultural Institute (IPB), Diponegoro University (UNDIP), Yogyakarta State University (UNY), Gadjah Mada University (UGM), Brawijaya University (UB), Airlangga University (UNAIR), Sepuluh Nopember technology Institute (ItS), Lampung University (UNILA), North Sumatera University (USU) and Hasanuddin University (UNHAS), tarumanegara University (UNtAR), Pelita Harapan University (UPH), Atmajaya University Jakarta and Yogyakarta, ABFI Perbanas, and trisakti University.

In 2014, the company again conducted a selection process for prospective recipients of its CIMB Niaga Outstanding Achievements Scholarships, with universities having the opportunity for selection being Jenderal Soedirman University (UNSOED), Riau University (UNRI), Andalas University (UNAND), Lampung University (UNILA), Udayana University (UNUD), 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 many as 30 students from various universities were declared recipients of the 2014-2018 CIMB Niaga Outstanding Achievements Scholarship in an event held on 4 December 2014.

Between 2006 and 2014, as many as 315 Indonesian students have received this Scholarship Program and had the opportunity to continue their education to undergraduate degree level.

CIMB Niaga Scholarship (Overseas Undergraduate Program)this scholarship is provided to high school or equivalent students to continue their education to bachelor degree level in Malaysia and is offered in cooperation with the CIMB Foundation.

Since the launch of this 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).

Khazanah Asia Scholarship (Overseas Master Degree) this scholarship program is offered to Indonesian students to continue their education with a master 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 scale and a good written and verbal ability in the English language.

the selection process includes Complete Candidate Administrative Data, participation in the Assessment Camp held 26 – 28 May 2014 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.

In 2014, only two candidates successfully passed this very tight selection process to receive the Khazanah Asia scholarship. Since its launch in 2010, as many as 12 Indonesian students have been given the opportunity to continue their education to master degree level at several universities in Malaysia, including Universitas Kebangsaan Malaysia (UKM), University of Malaya (UM), Multimedia University, Institut Islamic University Malaya (IIUM) and Putera Business School.

CIMB Niaga Creative Industry Technologies (BUTIK) Scholarship – local undergraduate degreeBUtIK CIMB Niaga is a scholarship program run in cooperation with the Education and Culture Ministry since 2012 and which is a development of the CIMB Niaga Outstanding Achievements Scholarship. this scholarship program is aimed at entrepreneurial students in their third semester (for 3-year diploma programs) or fifth semester (for bachelor degree students) and targets increasing the entrepreneurial spirit in Indonesian students.

In 2014, as many as 1,051 people participated in online registration and underwent selection through administrative data, verification and validation. On 17-18 November 2014, the company conducted a selection process in the form of business presentations, with 25 students presenting their businesses to gain the support of the jury, which comprised CIMB Niaga, the Republic of Indonesia Education and Culture Ministry and Business People. From this selection process, 22 students were selected to receive a BUtIK CIMB Niaga scholarship.

Since its launch in 2012, a total of 52 students have received BUtIK CIMB Niaga scholarships and this number will continue to rise in the coming years.

CIMB Niaga Sampoerna Academy ScholarshipIn cooperation with the Putera Sampoerna Foundation (PSF) since 2011, scholarships have been 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 Standard National Education, and is supported by non-academic life skills programs like entrepreneurship, leadership and the Learning to Live program.





CIMB Niaga Koperasi Kasih Indonesia (KKI) Scholarshipthis scholarship program with Koperasi Kasih Indonesia (KKI) launched in 2013 and has been awarded to nine students in Vocational High School who are the children of Koperasi Kasih Indonesia (KKI) members.the goal of this scholarship program is to encourage scholarship recipients to understand practical knowledge in vocational high school that can be used as preparation for the working world to improve their lives.

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

University of Indonesia - Faculty of Economics Scholarship for CIMB Niaga Employeesthis 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 University of Indonesia. these scholarships have been awarded to 1 bachelor level student and 25 master level students.

Number of CIMB Niaga Scholarship Recipients

No Scholarship Program Recipients Total1 CIMB Niaga Outstanding Achievements Scholarship Local

undergraduate degree315

- Class of 2006 - 2010 26- Class of 2007 - 2011 42

- Class of 2008 - 2012 48- Class of 2009 - 2013 35- Class of 2010 - 2014 43- Class of 2011 - 2015 30- Class of 2012 - 2016 31- Class of 2013 - 2017 30- Class of 2014 - 2018 30

2 CIMB Niaga Scholarship Overseas UndergraduateProgram

15

- Class of 2008 - 2011 5- Class of 2009 - 2012 2- Class of 2010 - 2013 5- Class of 2011 - 2014 3

3 Khazanah Asia Scholarship Overseas Master Degree 12- Class of 2010 - 2012 1- Class of 2011 - 2013 3

- Class of 2012 - 2014 3- Class of 2013 - 2015 3- Class of 2014 - 2016 2

4 CIMB Niaga Creative Industry Technologies (BUTIK)Scholarship

52

- Class of 2012 - 2015 15- Class of 2013 - 2016 15- Class of 2014 - 2017 22

5 CIMB Niaga Sampoerna Academy Scholarship 25 256 CIMB Niaga Koperasi Kasih Indonesia (KKI) Scholarship 9 97 CIMB Niaga Institut Koperasi Indonesia (IKOPIN) Scholarship 6 68 University of Indonesia - Faculty of Economics Scholarship for

CIMB Niaga Employees26

- Bachelor Program - University of Indonesia Faculty of Economics

1

- Master Program - University of Indonesia Faculty of Economics 25Number of CIMB Niaga Scholarship Recipients 460






the Scholarship Program will be implemented in a sustainable manner given that with an adequate quality of education and supporting skills, Indonesia’s younger generation can acquire work competence and use this to improve their quality of life.

through the scholarship program, the Company also maintains relationships and communication with all recipients who have graduated and who are still in education programs through a variety of activities, including:

CIMB Niaga Scholarship Recipient Annual Gatheringthe Annual Gathering is a way for the Company to foster communication with all recipients of CIMB Niaga scholarships. the gathering was held on 4-6 September 2014 at CIMB Niaga Earth Learning Center, Gunung Geulis, Bogor.

the gathering opened with a sharing session with participation by the company’s management and officials from the Education and Culture Ministry, while a familiarity evening was held on 4 September 2014. the event was followed by self motivation training and team building for scholarship recipients on 5 and 6 September 2014, in which more than 200 CIMB Niaga scholarship recipients participated.

In addition to the annual gathering, the company also monitors scholarship recipients through road shows from city to city to witness the academic and non-academic progress of the CIMB Niaga scholarship recipients.

CIMB Niaga Scholarship Recipient Association On 7 September 2014, the company, through its CSR unit, formed the CIMB Niaga Scholarship Recipient Association to provide a communication media for all CIMB Niaga Scholarship Recipients.

It is hoped that this association will support synergy between CIMB Niaga scholarship recipients and the company, particularly for social and corporate activities held by the company that require the active involvement of scholarship recipients and that it will foster a sense of belonging for the scholarship recipients with the company.

Public Education in Banking [G4-FS16]to support accelerated financial inclusion, which the government is targeting, the Company has conducted various activities aimed at educating the public with banking financial knowledge, including:

Tour de Banktour de Bank provides community education on banking and consists of visits by kindergarten and 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.

During 2014, the tour de Bank program had 515 participants in Cilegon, Serang, Madiun, Malang and Jakarta.

Let’s Save and Share Program the Let’s Save and Share Program provides Public Education in Banking. through this program, CIMB Niaga invites all the community and stakeholders, especially Elementary School children, to foster a culture of saving from an early age.

In addition to saving money, the children are also invited to share to foster a sense of empathy and sympathy and so that they can help those who are less fortunate to get a better education.

throughout 2014, the Company invited 3,702 students to actively participate in the Let’s Save and Share Program in 30 elementary schools in 12 cities in regions across Indonesia, namely Banda Aceh, Palembang, Balikpapan, Manado, Cirebon, Solo, Magelang, Yogyakarta, Jayapura, Malang, Surabaya and Jakarta and its surrounding areas.

this activity is very effective for elementary students as it is presented in an interesting, educational and fun manner through activities such as video games and the Run





Lets Save and Share Program






Banking Run puzzle, which is a game designed to provide insight to the students 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. In addition, 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.

At the same time, to foster the spirit of sharing, Let’s Save and Share students take part in fundraising and all the funds are deposited in the Let’s Save and Share account 064.01.64927.00.9.

the funds raised through student and community fundraising paid into the Let’s Save and Share Savings account as of December 31, 2014, amounted to Rp 219,343,140 (two hundred and nineteen million three hundred and forty-three thousand one hundred and forty rupiah). the Company topped up the funds with Rp 80,656,860 (eighty million six hundred and fifty-six thousand eight hundred and sixty rupiah) to bring the total to Rp 300,000,000 (three hundred million rupiah).

At the end of each Let’s Save and Share program period, the Company conducts a specific accountability program for the benefit of stakeholders. through the 2014 Accountability event, the Company disbursed all the funds resulting from the fundraising to two foundations with a high commitment to improving the quality of education in Indonesia: Indonesian Heritage Foundation and the Kick Andy Foundation.

SiMOLEK (Si MObil LitErasi Keuangan) Programthe Company also participates in a Financial Services Authority program through its SiMOLEK (Si MObil LitErasi Keuangan – literally, Financial Literacy Vehicle) program, which consists of a mobile unit that provides financial management information and encourages 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 (Si MObil LitErasi Keuangan) Program is:• Toincreasepublicawarenessoffinancialliteracy;• To encourage and public to make use of financial

products and services;• Improvepublic trust in theuseoffinancial products

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

During 2014, the company was operating 20 SiMOLEK vehicles along with CIMB Niaga Mobile Cash from 16-20 June 2014 and 10-14 November 2014 and made visits to facilities including schools, universities, shops, parks, companies and factories in 14 cities, namely Greater Jakarta (Jabodetabek), Bandung, Cirebon, Semarang, Yogyakarta, Malang, Surabaya, Denpasar, Medan, Pekanbaru, Makassar, Manado, Samarinda and Banjarmasin, and has successfully reached more than 500 people.





School Based Managementthe School Based Management Program is implemented to support education programs run by educational institutions that are in line with the company’s CSR mission. these programs comprise leadership, entrepreneurship, sports, education and school equipment such as books and computers.

this program is part of the company’s efforts to support developing Indonesians who are skilled and science and technology. • Leaderpreneurship2014 the company contributed in the seminar of

Leaderpreneurship talk Series 2014 program held by vocational Financial Administration and Banking studies program University of Indonesia on 17 April 2014 in the Center for Japanese Studies Auditorium on the UI Depok Campus. More than 150 students participated in this event that is expected to broaden the students’ outlook to prepare for the ASEAN Free trade Area (AFtA) in 2015.

• CSRWishList through its CSR Wish List program, the company

invites stakeholders to submit their wishes to the company through its CSR unit so that it can attempt to make these wishes come true through its CSR pillars of Education, Development and Community Empowerment, Environment and Philanthropy.

During 2014, the CSR Wish List from stakeholders created the following:n CIMB Niaga Gardening this item on the CSR Wish List was an Environmental

hope granted on 8 February 2014 at the CIMB Niaga Earth Learning Center at Gunung Geulis, West Java. It is hoped that the gardening will improve employees’ work productivity.

n Used Useable Laptops for Street Kids School In 2013, the company helped provide study facilities

for a Street Kids School in Penjaringan, North Jakarta. then on 30 May 2014, the company donated 4 (four) used useable laptops to the Street Kids School for the children to use for studying.

n One Million Books Program at SD Santo Fransiskus Boyolali

through the CSR Wish List program, SD Santo Fransiskus Boyolali received a donation to the One Million Books Program, as well as teaching aids and facilities that are hoped to improve the education the children are receiving to create smarter and more intelligent people.

n Study Visit to the History Museum, Jakarta On 3 May 2014, to commemorate National Education

Day, the Company granted the Educational CSR Wish of “Study and Recreation at the History Museum, Jakarta” for 43 children who live alongside the railway tracks in Pondok Kopi, East Jakarta.

n Study Ship for Students in Batam On 8 November 2014, the company, in cooperation

with DSNI Amanah Zakat Charity in Batam donated two inter-island boats for the students on Sembur Island, Galang Baru, Batam. total funding was Rp70 million.






• OneMillionBooksProgram Since its launch in 2010, the company has consistently

supported quality education through the One Million Books program, which aims to instil a love of reading in children as young as possible and to support the government program to beat illiteracy in Indonesia.

During 2014, more than 1,825 books were distributed to 33 institutions, comprising foundations and schools. the books donated were educational books, encyclopaedias and children’s stories, which the company hopes will broaden the readers’ perspective.

• TrainingforEarlyLearningTeachersontheSemaiBenih Bangsa Program

the 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.

COMMUNITY DEVELOPMENT AND EMPOWERMENT [G4-SO1]Community socio-economic conditions are the focus of the Company’s community development and empowerment programs. In practice, the Company refers to guidelines with several criteria when preparing programs, including:• Beingcharacterforming;• Empoweringcommunities;• Trainingpeopletodeveloppersonalskills;• Helping communities have sustainable, improved

quality of life; and • Creatingself-sufficiencyincommunities.

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

Community Link Program [G4-SO1]Community Link is a program that was launched on 1 June 2011 as part of the Company’s social care initiative. the program invites branch offices to participate by holding CSR programs to strengthen the relationship between CIMB Niaga, its employees and the community.

In addition, the program is intended to help raise basic competencies in communities and to improve community welfare.

During 2014, the company ran Community Link programs in various places and in various forms:1. Graphic Design Training Program in Tanah Merah On 14 May 2014, the company leveraged synergy

with Yayasan Obor Indonesia for the graduation of 15 participants in Graphic Design training in tanah Merah, North Jakarta.

this program is carried out in cooperation with Indonesia Heritage Foundation and in 2014 it involved 20 early learning teachers from 10 pre-schools across Indonesia. Since the program launched in 2012, the company has trained 54 teachers from 27 pre-schools and will continue in accordance with the training required.





2. Computer Training Program in Magelang On 7 May 2014, the company cooperated with CIMB Group

and Rumah Gemilang Indonesia to hold computer training for communities in Magelang, Central Java.

3. ICT (Information, Communication and Technology) Literacy Program in Ancol

In cooperation with CIMB Group and ACt Foundation, the company donated 10 computers to the ICt Literacy Program in Kampung Muka, Ancol, on 26 May 2014. As many as 30 children use these computers to expand their knowledge of computers and to understand their functions.

this program has been run in cooperation with Habitat for Humanity since 2011 and by 2014 a total of 35 simple homes had been built by more than 80 volunteers, with more than 150 people benefiting.

CIMB Niaga Cares Community [G4-SO1]the CIMB Niaga Cares Community was established as a forum for stakeholders to work jointly with CIMB Niaga to carry out various CSR activities. Since it was launched on 20 April 2013, a total of 2,348 people have become registered members in the CIMB Niaga Cares Community.

Coinciding with the Company’s 59th anniversary on September 26, 2014, the Company conducted the CIMB Niaga Anniversary Quiz Program with the CIMB Niaga Cares Community. Community members and the public were welcomed to take part in the quiz, which had prizes including a trip to the island of Batam to carry out the CIMB Niaga House Building program.

Five people were eligible for the CIMB Niaga House Building program on November 8, 2014.

4. Creative Women Program in Depok On 8 October 2014, the company inaugurated the

Creative Women Program in Sawangan, Depok. this program is run in cooperation with CIMB Foundation and Rumah Gemilang Indonesia to give tailoring training for productive age women.

5. Community English Training in Depok the company worked with Yayasan HOPE Indonesia

to inaugurate a Community English training Program in Depok on 22 November 2014. this program offers English language training to elementary school and junior high school students from poor families.

Employee Volunteer Program [G4-SO1]this program encourages CIMB Niaga employees to participate in environmental and community CSR activities as volunteers. During 2014, the company conducted a variety of CSR programs that involved its employees, including:1. Employee Helping Employee Program this program took place on 25 January 2014 and

saw 35 employees participate voluntarily to distribute packets of cleaning supplies to more than 80 company employees whose homes were flooded.

2. CIMB Classic 2014 As many as 28 employees participated as volunteers in

the CIMB Classic 2014 event held at Kuala Lumpur Golf and Country Club from 30 October – 2 November 2014.

3. CIMB Niaga House Building During 2014, the company built six simple houses for

citizens in need in Mauk (tangerang), Kabil (Batam) and Namoriam (Medan). the company involved its employees as volunteer in the house building in Mauk and Kabil.






PHILANTHROPY [G4-SO1]the company 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 values generated by the Company are 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 in providing happiness and prosperity for the people.

Smart Parenting Clubthe company runs a Smart Parenting Club with the objective of developing a lifestyle that, between life at the office and life at home, fosters happy and prosperous families.

the Company distributed aid through its Mikro Laju units to people affected by the eruption of Mount Kelud in Kediri, donating staple food packages and a trauma healing program, as well as conducting social welfare work in Jomblang village, Sukomoro village and Asmorobangun village, all in Kediri, East Java.

In March 2014, the Company was in Kabanjahe, North Sumatra, to implement a trauma healing action for traumatized child refugees from the eruption of Mount Sinabung, who had been evacuated in October 2013. trauma Healing is done through fun puzzle playing and storytelling.

Social and Religious Aid At the beginning of 2014, the company provided religious aid to seven foundations through its Gema Natal event and Senior Management Walkabout 2014 in Bandung, Surabaya, Jakarta, Medan, Yogyakarta and Makassar.

the company participated in celebrating the month of Ramadhan 1435 H with a variety of social and religious activities, including Safari Ramadhan, Cheap Sales of Staple Goods, Shopping with 100 Orphans in cooperation with Lembaga Kemanusiaan Nasional PKPU in Carrefour Mt Haryono, South Jakarta, Providing 100 Packets of School Supplies for Yayasan Yatim Mandiri Madiun and held a Ramadhan Bazaar at Griya CIMB Niaga Bintaro and Menara CIMB Niaga Karawaci.

During 2014, Smart Parenting was conducted with a range of themes, including Introducing Sex to Children, Quality time with Children for Working Parents, Avoiding Stress with Brain Gym and Looking Beautiful in a Hijab.

Help for Disaster Victims Indonesia experienced high rainfall in January and February 2014, causing quite significant flooding in several areas across the country. this prompted the Company to provide emergency assistance to flood victims, among others in Manado, Subang, Pati, Kudus, Karawang, Jakarta and the surrounding areas.

to commemorate the Islamic Day of Sacrifice, Idul Adha 1435 H, the company donated several sacrificial animals through branch offices in various places around Indonesia, including Batam, Bandung, Surabaya and Jakarta.





CSR Activities to Commemorate the Company’s Anniversary On the Company’s 59th Anniversary, 26 September 2014, CIMB Niaga once again held a variety of CSR-based activities, including donating 5,900 school packets to prestigious students in Indonesia.

In addition, CIMB Niaga invited 100 dhuafa children to play and learn at trans Studio Bandung. the anniversary celebrations continued in Papua, where CIMB Niaga held events at SD Inpres tasangkapura school in Jayapura.

through this event, CIMB Niaga provided 150 school packets to students of SD Inpres tasangkapura and donated hand washing facilities, aid to churches and mosques around the CIMB Niaga Jayapura branch office and promoted the importance of the role of parents in monitoring their children’s growth.

Blood Donor CIMB Niaga also regularly organizes blood donation drives, which started in April 2014. On this occasion, the Bank has also donated one Blood Donor Vehicle worth Rp525 million to the Indonesian Red Cross, which was received by Jusuf Kalla - Chairman of the Indonesian Red Cross. the mobile unit was part of the partnership program with Unifying Spirit for Humanity from the Syariah Business Unit. Afterwards, the blood drive took place in the CIMB Niaga Bintaro and Karawaci offices in June and December 2014 and was attended by more than 600 CIMB Niaga employees.

Benevolent Fund Distribution (Qordhul Hasan)the Company, through its Syariah business unit, disbursed funds through various CSR programs, one of which was the Unifying Spirit for Humanity program that 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 2014 amounted to Rp7,357,864,835.

Donations to Foundations and the Community In 2014, the Company held two Colour Runs, on January 26 and 23 November. At the same time, the Company took along two foundations, the Indonesian Heart Foundation and the Alzheimer’s Foundation of Indonesia, to support the health of the people of Indonesia. the Indonesian Heart Foundation received a donation of Rp 100 million to help promote healthy lifestyles and avoid deadly heart disease.

Meanwhile, the Alzheimer’s Foundation of Indonesia received a donation of Rp 150 million intended to educate the public about Alzheimer’s, a dementia disease. It is hoped that this exposure will give the public a better understanding of these diseases and encourage them to take preventative steps as early as possible.






Following is a recap of donations made by the Company to foundations and communities.

No Date Activity Total

1 16 January 2014 Donation for the Birth of Prophet Muhammad SAW Celebration Committee Habib Suleiman Rp 10,000,000

2 15 January 2014 Donation for organzing the Birth of Prophet Muhammad SAW and for the orphanage by Motor Community CIMB Niaga (KOMBAGA) Jakarta Rp 3,000,000

3 23 January 2014 Donation for the MUI main office building renovation in Pematangsiantar, North Sumatra Rp 1,500,000

4 23 January 2014 Donation for the misfortune of the child of Budi Nasioanto - Employee CIMB Niaga Rp 3,000,000

5 12 February 2014 Donation for the free general medical services, dental and mouth byCommunity Medical Partners Indonesia Rp 5,000,000

6 17 February 2015 Donations to an orphanage to commemorate 112 years of the death ofBung Hatta Rp 30,000,000

7 11 March 2015 Donation for Aris (sufferer of hydrocepalus from Bantul - Yogyakarta) Rp 10,000,000

8 11 March 2015 Donation to the Government Coordination and Development Malang inprovisioning basic food aid for the Mount Kelud eruption victims Rp 5,000,000

9 9 May 2014 Donation for the circumcision of the third son of the late. Abdul Rochim Rp 1,050,000

10 16 May 2014 Donation for Mitra Sehat Madani Clinic for hernia operations Rp 28,000,000

11 28 May 2014 Donation of medical supplies for Poliklinik Rawat Jalan Pusat Kesehatan Ibudan Anak RSUP Nasional Dr. Cipto Mangunkusumo Rp 10,000,000

12 3 June 2014 Donation for GPIB Immanuel Depok 300th Anniversary Rp 10,000,000

13 19 June 2014 Donation for carpet procurement at Masjid Al Musthofa CIMB Niaga tower Rp 14,425,000

14 8 July 2014 Donation for Masjid Jami Al Muhajirin renovation in tangerang Rp 2,000,000

15 15 July 2014 Donation for Kesejahteraan Umat Islam Indonesia Foundation Rp 2,000,000

16 15 July 2014 Donation for Al Muchlisin Cendrawasih Foundation Foreign Department Complex in Gandaria Rp 2,000,000

17 23 July 2014 Donation to UNICEF for the children victims of Palestine crisis Rp 10,000,000

18 14 August 2014 Donation for Daya Dara Indonesia Foundation for Jakarta Go Pink event Rp 50,000,000

19 14 August 2014 Donation for Lampau Panjang Cimpago Development in Padang Rp 8,100,000

20 18 September 2014 Donation to social activity for Pelayanan Kasih Foundation Rp 18,600,000

21 7 October 2014 Donation to social activity for Bina Nusantara University Rp 15,000,000

22 10 October 2014 Donation for musholla developments in Kebayoran Garden Rp 2,000,000

23 10 October 2014 Donation for the Pelayanan Anak Calvary Foundation Rp 20,000,000

24 10 October 2014 Donation for GKI church development in Jayapura Rp 15,000,000

10 October 2014 Donation for Miftahul Jannah Mosque development in Jayapura Rp 15,000,000

25 17 October 2014 Donating a Library for Annur Elementary School in Manado Rp 40,000,000

26 17 October 2014 Donation for Binasari Middle Shool in Manado Rp 39,150,000

27 17 October 2014 Donation of sanitation facility for Inpres Elementary School tasangkapura in Jayapura Rp 17,000,000

28 11 November 2014 Donation for Anak Akar Studio for Gemilang Anak Akar event Rp 7,500,000

29 10 November 2014 Donation for the infrastructure procurement of MtS Khazanah Kebijakan Rp 10,000,000

30 10 November 2014 Donation for Perkumpulan Sahabat Anak Akar Studio Rp 750,000

31 11 November 2014 Donation for HKBP in Kebayoran Lama Jakarta Rp 50,000,000

32 11 November 2014 Donation for Immanuel Church Jakarta Rp 10,000,000

33 13 November 2014 Donation for Padang Relief program (Natural Disaster Recovery) Rp 1,404,875

34 17 November 2014 Donation for Christmas CIMB Niaga Club (CNC) Semarang Rp 10,000,000

35 17 November 2014 Donation for Christmas CIMB Niaga Club (CNC) Yogyakarta Rp 10,000,000

36 17 November 2014 Donation for Christmas CIMB Niaga Club (CNC) Solo SEKOtA Rp 10,000,000

37 17 November 2014 Donation for Christmas CIMB Niaga Club (CNC) Medan Rp 10,000,000

38 20 November 2014 Donation for Christmas CIMB Niaga Club (CNC) Batam Rp 10,000,000

39 5 December 2014 Donation for the infrastructure of Soegiyopranoto Catholic Middle Shool, Manado Rp 25,000,000

40 5 December 2014 Donation for GMIM 8 Elementary School, Manado Rp 25,000,000

41 11 December 2014 Donation for Harry Roesly House of Music, Bandung Rp 10,000,000

GRAND TOTAL Rp576,479,875





planting mechanism and plant care. She also explained that gardening can reduce stress levels, especially in employees and thus could increase work productivity.

17 October 2014. CIMB Niaga held a Hydroponics Seminar at Hotel Ibis Surabaya for employees, which was attended by more than 40 people from Surabaya, Malang, Gresik and the surrounding area. the seminar was run in cooperation with East Java Hydroponic Study Group (KBH).

Green Lifestyle SeminarStarting a green lifestyle does not necessarily mean drastic lifestyle changes and can start with little things that are done every day. to renew understanding of a green lifestyle, CIMB Niaga held a seminar at Graha CIMB Niaga on April 25, 2014, with the theme “Let’s Save the Earth with the Adoption of a Healthy Lifestyle and Environmental Mindset”.

the seminar was attended by more than 60 CIMB Niaga employees, who received material presented in an attractive manner by Verena Puspawardani of WWF Indonesia.

ENVIRONMENT [G4-EN27][G4-SO1]With regard to environmental programs, the company policy to support environmental conservation is contained in the Cost Effectiveness Program policy, which is noted in the Green Office policy, part of the company’s plan to be part of the Green Banking Industry in the future. this is also in line with Bank Indonesia’s mandated Go Green program.

In addition, the company also holds various environmental CSR programs, including: [G4-EN13][G4-EN27]

CIMB Niaga Gardening – First HarvestSince planting together in CIMB Niaga Gardening on December 7, 2013, the time came around to Harvest the Results. the first harvest took place on February 8, 2014, at the CIMB Niaga Earth Learning Center in Gunung Geulis, Bogor and was attended by 75 participants consisting of CIMB Niaga employees and the Indonesian Gardening Community.

through the Indonesian Gardening Community, the company continues to be committed to environmental conservation in Indonesia. In addition, this environmental conservation program could also serve as educational recreation for families as they can learn in the open air. the harvest comprised a variety of vegetables, such as water spinach, mustard greens, tomatoes, eggplant, peppers and bitter gourd.

Hydroponic Seminar for Environmental Conservation CIMB Niaga held a seminar with the theme “Increasing Environmental Conservation Care through Hydroponics”. this event was held by Foodbank at Griya CIMB Niaga Bintaro and attended by 85 CIMB Niaga employees.

the seminar was led by Bertha Suranto, winner of the Indonesian Womenpreneur Competition 2013, and discussed the practice of hydroponics, the system,

the material was suitable to renew the spirit to continue efforts to save our beloved Earth through our own actions, such as Earth Hour, saving paper, planting trees, saving electricity and other actions that support the realization of an environmentally friendly society.

Tree Planting On 27 May 2014, CIMB Niaga provided aid of Rp32.5 million for environmental activities carried out by the Manado Student Service Institution (LPMI). the aid took the form






of 500 magnolia saplings and 500 Linggua saplings. the saplings were planted along the main road in tongkeina to help make it a Green Village.

In addition, CIMB Niaga in collaboration with the Indonesian Biodiversity Foundation, organized tree planting in Belitung Regency for as many as 2,360 trees throughout 2014, consisted of 62 species, which has distributed 1,100 trees from 20 species in the area of Bukit Peramun and for as many as 1,560 trees from 42 species in Batu Mentas, Belitung Regency, Bangka Belitung Province.

Recycling Waste Materials Workshop CIMB Niaga organized a Workshop on Recycling Waste Materials with the theme “Let’s Improve Environment Care by Recycling Waste Materials into Crafts”. the workshop was held on Friday, June 20, 2014, on the 3rd Floor of Gedung Dynaplast and was attended by 55 CIMB Niaga employees.

the workshop was hosted by Mrs. Muslihah of Rumah Gemilang Indonesia (RGI), a CIMB Niaga partner in the development and community empowerment program. the workshop taught participants to make pencil cases from basic materials, namely various types of plastic waste. It also exhibited a variety of handicrafts made of plastic, such as purses, tote bags, mats and laptop bags.

CIMB Niaga Gardening for Students On September 6, 2014 through the annual CIMB Niaga Outstanding Achievements Scholarship recipients meeting all of the scholarship recipients are required to conduct CSR which is intended for the community around the Bumi CIMB Niaga Learning Center Mount Geulis, Bogor.

A total of 150 students from the first and second grade of Gunung Geulis Elementary School Pasir Angin 1 and 2 are invited to carry out the gardening activity together with all of the recipients. the purpose of this activity is to grow awareness for the environment through fun gardening activities.

Investing CSR Funds the Company believes that CSR is not only beneficial to the society but, in the long term, will increase the Company’s brand and image. therefore, the Company has allocated sufficient funds from year to year.

In 2014, the Company has invested CSR funds more than Rp18.9 billion . Compared with last year, CSR fund expenditures in 2014 increased 1.2%. Details of CSR funds in recent years are described in the following table:

CSR Fund 2012 2013 2014

Education 5,949,626,922 7,038,553,407 5,117,216,172

Community Development and Empowerment 1,499,797,421 2,430,170,153 463,027,500

Philanthropy 2,333,163,105 1,561,154,656 4,249,221,035

Donations 342,850,000 334,900,000 576,479,875

Environment 640,649,200 764,530,405 88,650,316

Qordhul Hasan CIMB Niaga Syariah 2,349,470,288 5,466,347,410 7,357,864,835

Activation of CSR activities 2,100,784,857 1,153,222,220 1,134,572,600

Total 15,216,341,793 18,748,878,251 18,987,032,333





CIMB Niaga Employees






The Company manages its human resources well, paying attention to welfare, human rights and equality

Improving the Professionalism of CIMB Niaga EmployeesAs the largest driving force in the Company’s operational activities, the presence of our employees, the Company’s human resources, to fulfil their daily responsibilities and functions is crucial for the Company’s sustainability. Providing timely banking services, comprehensive information for customers and prompt responses to customer complaints is all dependent on the readiness and alertness of trained and professional human resources.

the company continues to raise the professionalism of its human resources to achieve the best performance quality and work performance in line with the Company’s vision, mission and corporate culture. to achieve this, the Company implements targeted and measureable human resource planning and management, including through system development, training and scholarships.

the Company manages its human resources well, paying attention to welfare, human rights and equality. the Bank refers to a range of applicable regulations and legislation, as well as the provision of appropriate salary standards, to provide various benefits to its employees. [G4-HR3]





Human Resource ManagementAs of the end of 2014, the Company had 15,003 employees, an increase of 4.6% from the 14,342 in 2013. the employee turnover rate in 2014 was 16.0%, a slight reduction on the 16.1% in 2013. [G4-LA1] [G4-10]

Specifically, during 2014, the company recruited 3,014 new employees based on company requirements thanks to business growth and expansion. the number of new employees increased 24.7% compared to the 2,417 new employees in 2013, and consisted of fresh graduates without work experience and professionals.

Employee Turnover

Classification2013 2014

Male Female Total Male Female Total

New Employees 1,401 1,016 2,417 1,500 1,514 3,014

New Employee by Age Group 18-25 years 240 399 639 384 787 1,17125-34 years 948 532 1,480 929 646 1,57535-44 years 183 71 254 164 69 233>45 years 30 14 44 23 12 35Total 1,401 1,016 2,417 1,500 1,514 3,014New Employee by Area Area 1 (Jakarta, Lampung) 775 637 1,412 838 738 1,576Area 2 (Jawa Barat) 106 66 172 134 156 290Area 3 (Jawa timur, Bali) 171 102 273 184 175 359Area 4 (Sulawesi, Papua, Maluku, Nusa tenggara Islands)

48 34 82 48 54 102

Area 5 (Kalimantan) 26 25 51 37 60 97Area 6 (Sumatera excl. Lampung) 142 80 222 119 174 293Area 7 (Jawa tengah) 133 72 205 140 157 297Total 1,401 1,016 2,417 1,500 1,514 3,014

Employees Resigned Own Request 769 796 1,565 936 806 1,742Disciplinary punishment 93 37 130 43 14 57Death 6 4 10 10 6 16Retired 56 25 81 64 23 87Early Retirement 2 2 4 12 7 19Others 135 374 509 231 201 432Total 1,061 1,238 2,299 1,296 1,057 2,353

the whole recruitment process was conducted with a transparent screening process, including testing of abilities and competency in potential recruits, and was based on a demand for human resources to fulfil various functions and roles. [G4-HR3]

For its human resource management, the Company continues to develop a system that is able to comprehensively encompass all matters related to recruitment, data registration and human resource development. the company has also developed fair performance assessment management through the application of balanced scorecards and Key Performance Indicators (KPI) at both the individual and team level. the performance assessment results serve as the benchmark for competency-based career advancement and salary determination.






Number of Employment Based on Employee Status

Employee Status 2013 2014

Permanent Employee 13,176 13,850

Employee by Contract 1,166 1,153

Total 14,342 15,003

•NumberofemployeesdoesnotincludetheBoardofDirectorsandtheBoardofCommissioners

Number of Employeesbased onGender,

Education and Age

Number of Employee 2013

Employee by Age Group (Male)

Employee by Age Group (Female)

Male Female Total 18-25 25-34 35-44 >45 18-25 25-34 35-44 >45

Senior Management (U1-U3)

118 44 162 - 5 35 78 - 1 16 27

Middle Management (U4-U5)

866 528 1.394 - 121 393 352 1 98 228 201

Junior Management (U6-U8)

1,784 1,239 3,023 19 774 667 324 22 559 398 260

Officer (U9) 2,536 2,833 5,369 99 1,460 668 309 142 1,388 941 362

Staff (U10) 1,677 2,345 4,022 148 1,172 248 109 361 1,688 249 47

Non Staff 367 5 372 - - 128 239 - - - 5

Total 7,348 6,994 14,342 266 3,532 2,139 1,411 526 3,734 1,832 902

Number of Employeesbased onGender,

Education and Age

Number of Employee 2014

Employee by Age Group (Male)

Employee by Age Group(Female)

Male Female Total 18-25 25-34 35-44 >45 18-25 25-34 35-44 >45

Senior Management (U1-U3)

127 55 182 - 5 40 82 - 1 19 35

Middle Management (U4-U5)

935 572 1,507 - 157 416 362 - 96 261 215

Junior Management (U6-U9)

4,213 4,065 8,278 100 2,036 1,389 688 156 1,853 1,370 686

Non Management (U10-U11)

2,280 2,756 5,036 200 1,333 382 365 507 1,929 262 58

Total 7,555 7,448 15,003 300 3,531 2,227 1,497 663 3,879 1,912 994

* Number of employees does not include the Board of Directors and the Board of Commissioners





Key Priorities for 2014For the 2014-2015 period, the company specifically mandated 12 key priorities for its human resource management, which were:

1. Strategic Workforce Planning Ensuring the optimum capacity and composition between revenue generator, middle office and back office, effectiveness

and efficiency throughout the layers of the organization and levels of supervision, as well as employee ability to handle challenging and changeable business foci.

2. Productivity Measurement Measuring employee productivity both in revenue generator and non-revenue generator, to obtain an actual and

satisfactory illustration of productivity levels for every critical job in every unit of the organization that can be compared with basic benchmark levels in the market.

3. Sustain High Performance Culture Having an effective winning culture platform to continually sustain and grow a superior performance culture that

is balanced, farseeing and sustainable from year to year, able to face the accelerating rhythms and dynamics of an increasingly challenging business environment.

4. total Remuneration Implementing the right remuneration strategy to retain the best talent, instil a high-performance culture and remain

competitive in accordance with market conditions. 5. talent Management and Leadership Development Developing and managing talent in a single integrated process to ensure the availability of talent within the organization,

as well as regeneration and succession planning for key and critical positions within the organization, through concrete and relevant plans that fill the current development gap and strengthen leadership ability for the future.

6. Capability Building Building capabilities for 3 main streams: teller School, Customer Service School and Sales School, as well as UMKM

Academy. Capability Building is intended as a training and development centre for newly recruited and existing employees and utilizes an integrated approach to business execution, practices and relevance to business needs, to create tellers, Customer Service and Sales operatives based on Company needs. the Capability Building facilities will be built in several strategic locations as hub centres to satisfy the needs of branches in the vicinity.

7. Credit Development Roadmap In follow up to the credit academy, which was initiated in 2013, a platform will be provided to serve as a reference for credit

marketing, credit reviewers and approvers, starting from the success profile expected for each job, a competency-based study roadmap for each job and the necessary certification. this Development Roadmap serves as a reference for all line managers to develop every employee in their unit.

8. Branch Manager as Entrepreneur (BME) Developing the capabilities of Branch Managers as entrepreneurs in the “BM as Entrepreneur” program, part of the

strengthening and alignment of the organization and in line with the operating model for new branches that are business-focused to improve profitability, cross-selling, remove the silo mentality, and provide customer-centric holistic product understanding to customers and minimize possible operational risks. Efforts to improve leadership execution abilities in our BME this year will continue in stages with the 4DX (4 Execution Disciplines) program in all branches across Indonesia.

9. Productive Employee Relation Creating a work environment that is healthy, harmonious and productive, that ultimately increases the employees’ bond

with the Company and improves productivity. 10. Continuous Process Improvement Enhancing the role of our human resources in refining and simplifying process flows, standardization and automation

of work processes, and as strategic partners for business units. this includes efforts to control and monitor outsourcing implementation, reducing inefficiencies, non-productive labour and compliance with applicable internal and external policies.

11. Knowledge Management Centre As part of our efforts to develop human capital capable of supporting the Bank’s performance and creating talent for the future,

support for the knowledge management structure must be well organized and systematic, thus the required experience and knowledge can be spread and accessed efficiently by any employees who need it.

12. Organization Effectivity Strengthening and aligning the organization at the regional level to ensure there are integrated efforts to develop business

in all business sectors available in the region, as well as aligning a strong chain of communication internally and with parties outside the Bank (including with the regulator, media and local government).






Training, Development and Certificationthe Company provides a variety of training and programs to raise competencies and provide leadership training to all employees. One of these programs is an integrated development program for young talent and potential leaders for the Company into the future, namely the Complete Banker (tCB) program. Since its launch in 2010, the Bank has recruited 186 graduates from renowned Indonesian and overseas universities to participate in this program. Of this total, 104 have already completed the program and have been placed in select positions in business units and support functions. there are currently 53 participants still on the program, while a further 29 did not graduate.

the Company works with external parties to provide certain types of professional training and certification, including with a renowned OMEGA Performance consultant that conducts certification for members of the credit committee for the Senior Credit Exam and Minimizing Problem Loans programs. OMEGA also conducts basic certification for the Basic Lending Fundamentals module for all participants of the Complete Banker and the Officer Development Program in Corporate Banking and Commercial Banking.

Other external certification programs include: Risk Management certification, Mutual Fund Sales Agent (WAPERD) certification, Indonesian Life Insurance Association (AAJI) certification, and Bancassurance certification.

to develop basic Syariah competencies in all Directors and Senior Leaders, the Company runs workshops in cooperation with ISRA (International Syariah Research Academy), a renowned international Syariah institution, which in 2014 took place for two days in November 2014.

For senior management, the Company also cooperates with CIMB Group and periodically sends senior leaders on the INSEAD program (28 participants), NtU-AUB (29 participants), and Middle Manager Development Program (11 participants).





In 2014, to support the transformational leadership strategic initiative for all lines of business, the Company held several forums to improve leadership competency at all levels and to encourage top management and senior leaders to contribute to development and share their experiences and leadership ideas with young talent within the company. these included Leadership Cafe (launched in 2014, two batches with 52 participants), Leadership Series from business leaders (five batches since 2013 with over 800 participants), Learn from the Master led by the Directors for the tCB program (two rounds since 2013 with 583 participants). Since mid-2013, prestigious middle management have also taken part in the Emerald program, in which they are mentored by Directors and senior management.

In addition, the Company has conducted a pilot project in Consumer Banking by building day-to-day management practices to sharpen the execution of leadership abilities and to empower team members through the Four Disciplines Of Execution program. this strategic initiative started in April 2014 and targeted Branch Manager Entrepreneurs; to date this program has been conducted in 82 branches across Jakarta and in other areas around Indonesia.

Organization Effectivity [G4-LA9]

2013

Description / Level / Employee

CategoryMale Female Total

Total overall Hours of trainingper year (Hours Per

Participant)

Total overall Hours of trainingper Participant* (Average Hours

per Participant)

Pria Wanita Jumlah Pria Wanita Jumlah

Senior Management 118 44 162 7,728 3,314 11,042 65 75 68

Middle Management 866 528 1,394 53,393 33,492 86,885 62 63 62

Executive *) 1,784 1,239 3,023 192,760 179,936 372,696 108 145 123

Non Executive 4,580 5,183 9,763 134,381 159,073 293,454 29 31 30

Jumlah 7,348 6,994 14,342 388,261 375,815 764,077 53 54 53

*) training Hours Especially for Management trainee Employee

2014

Description / Level / Employee

CategoryMale Female Total

Total overall Hours of trainingper year (Hours Per

Participant)

Total overall Hours of trainingper Participant* (Average Hours

per Participant)

Pria Wanita Jumlah Pria Wanita Jumlah

Senior Management 127 55 182 2,500 4,621 7,121 20 84 39 Middle Management 935 572 1,507 175,422 170,436 345,858 188 298 230 Executive *) 2,188 1,868 4,056 101,087 73,996 175,082 46 40 43 Non Executive 4,555 5,437 9,992 17,804 27,043 44,847 4 5 4 Total 7,805 7,932 15,737 296,813 276,095 572,908 38 35 36

*) training Hours Especially for Management trainee Employee






Partisipasi karyawan CIMB Niaga dalam

Ajang CIMB Sea Games 2014 di Singapura.





Remuneration and Employee Rights the company provides remuneration based on work performance and applicable standards and regulations. Specifically, in compiling its remuneration packages, the company applies the principle of equality to ensure there is no differentiation related to gender, ethnicity, religion, race or rank. Differences that do occur within one level are due to differences in performance, competency or work experience.

Further, the company also adjusts its remuneration packages to encourage improved performance from its employees and to increase the Company’s competitiveness in the industry.

Generally, there are two employment statuses in the company: permanent employees (on an open contract) and contracted employees (on fixed-term contracts). the remuneration structure for these two types of employees is generally similar, however, the Bank pays into a pension fund and social security (Jamsostek) for permanent employees. [G4-LA2]

the components of the CIMB Niaga remuneration packages consist of: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, Pension7. Annual and Other Leave 8. Religious Holiday Allowance9. Pension Fund10. Severance Pay11. Location Allowance12. Other benefits

As of 2014, the company had issued a total Rewards Statement to employees at certain levels, which consisted of their remuneration components, both cash and non-cash, as well as the recognition program and developments received by the relevant employee. this initiative is intended to increase employee awareness and appreciation for the company’s remuneration investment in them in return for their dedication and contribution to the Bank.

In addition, as part of the company’s strategy to improve employee motivation and to fulfil employees’ basic needs, the Company has reviewed and renewed its employee loan facility, implementing significant changes that have made it one of the best in the banking industry at this time. this loan facility is very flexible and can be used by employees for things such as buying a house/apartment, building or renovating a house, education, religious pilgrimages, or unexpected and urgent needs.

the company also provides its male and female employees with the right to take leave, including annual leave, maternity leave, marriage leave, menstruation leave (female employees only) and leave related to mourning, in accordance with applicable legislation.

In 2014, as many as… employees took maternity leave, as regulated by Regulation P2K No.A.06.08 regarding Leave. this regulation stipulates:1. Maternity leave shall consist of 3 (three) months, namely

1.5 months before birth and 1.5 months after birth;2. Should there be any deviation from the above provision,

the employee is required to submit a statement declaring the risks being faced, accompanied by a supporting letter from a doctor/midwife; and

3. An employee who has an miscarriage or who, for medical reasons, must undergo an abortion shall take leave for 1.5 months, or as deemed necessary by a doctor/midwife and supported by a letter from the doctor/midwife.

the company enrols its employees in a defined contribution and defined benefit pension program, for which the company pays 9% of the employee’s basic salary in fees and the remaining 3% is deducted from the employee’s salary. [G4-EC3]






Industrial Relations the company always ensures a harmonious relationship with all its employees through an Industrial Relations strategy developed by the Management, employees and the Labour Union, which clarifies the rights and responsibilities individually and collectively, with the objective of creating industrial relations that are safe, peaceful, dynamic and fair, in accordance with prevailing regulations and legislation.

the company also shows its appreciation to all its employees who have worked hard and loyally for the company by providing five-year and 10-year long service bonuses.

the company ensures there is consistent two-way communication with employees through a range of programs that are continually refined and improved. Communication channels are both formal and informal. Formal communication takes place in gatherings, work meetings and It-based communication such as CEO Message, CEO Hotline, Senior Management Walkabout, through the internalization of the Code of Conduct and Corporate Culture, Open House/Halal Bihalal events, BOD road shows, and routine coordination meetings with all business units. In this digital era, CIMB Niaga makes innovative use of technology to disseminate information, including through email blasts, the internal portal CIMBNEt, Internal News comic, sms, computer screensavers/wallpaper, and Digital tV Media Service.

With the expiration of the 2012-2014 Collective Labour Agreement (CLA) on 18 October 2014, the Management and Labour Union conducted a series of discussions and meetings to prepare the 2014-2016 CLA. After three meetings, the 2014-2016 CLA was formally signed by the Management and Labour Union and witnessed by the Manpower Ministry on 18 December 2014.

the Collective Labour Agreement (CLA) provides for:a. the rights and responsibilities of the company, labour

union and employees;b. Official procedures to settle employment issues;c. Employee working conditions.

Labour Union [G4-11]

No Name of Labour Union Number of Members

1 Association of EmployeesCIMB Niaga (IKCN)

931

2 Community Association Niaga (IKN)

1,984

3 Employee Unions Bank CIMB Niaga (SKKBCN)

500

4 Employee Unions Bank CIMB Niaga Indonesia (SPBCNI)

1,300

Informal communication is conducted by providing the opportunity to foster close relationships and communication through sporting and religious activities. Various seminars, including on Smart Parenting, and volunteer activities, including building houses as part of CSR activities in several towns around Indonesia, are also conducted by the company with the objective of developing employee skills and increasing a sense of care for each other in the company as a whole.





Respecting Customer Interests






The company is focused on raising service quality to improve the customer experience, not merely addressing customer needs but exceeding their expectations to provide a better banking experience

Respecting Customer Interests the company realizes that, in the face of increasingly fierce competition in the banking industry, service quality has become one of the key factors. to that end, the Company is committed to continuously improving the quality of its banking services. the company is focused on raising service quality to improve the customer experience, not merely addressing customer needs but exceeding their expectations to provide a better banking experience.

this extra banking provided by the Company through various service aspects, includes optimizing benefits provided in all the products and services offered, clarity of information on types of products and services, customer confidentiality, technology excellence and optimization, security when purchasing products and services, and so forth.

the company also has to implement business sustainability governance that pays attention to the rights of all stakeholders to create a banking experience that is easy, safe and convenient, as well as prudent. this is done with attention to the rules and business ethics that respect and safeguard the interests of each stakeholder.

to ensure products conform to customer needs, the Company routinely surveys its customers through questionnaires, as well as through a competent third party. the goal is to measure the level of urgency for a product or service launch and the level of customer acceptance, which fulfils marketing purposes. In addition, the Company also continues to ensure that customers have a full understanding of products and services by providing clear information related to product benefits, use, the rights and obligations to such products, the position of each party, the period of the agreement, and resolution procedures in case of dispute.





Maintaining Product QualityFor 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 question 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 includes: [G4-DMA]• Thebenefitsprovidedbytheproductforclientsmust

be clear;• The administrative charges imposed on users of the

product or service must be clear;• The Bank’s position must be clarified if the product

offered is not a banking product and the Bank is acting as a sales agent;

• Certainproductsmustincludeastatementoftheirriskprofile according to applicable regulations;

• Thetelephonenumberandemailaddressofcustomerservice staff must be noted clearly so that clients can make complaints or ask questions if needed;

• ApprovalofBankIndonesiamustbesecured;and• TheBankmustpresentareporttoBankIndonesiano

later than seven days after the launch of the product.

Serving Customersto 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 the 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 2014, 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 80% of customers waited in line for less than eight minutes to be served by tellers, and 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, such that forms did not have to be filled in prior to teller counter transactions [4].

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






Customer Satisfaction Survey [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 company has developed a system to measure customer satisfaction internally. Customers can give direct feedback on the quality or service provided by the Customer Service 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 Customer Service officer or teller. In 2014, the results of the Customer Feedback System recorded a customer satisfaction level of 97% from customers who came into branches and were served by Customer Service or tellers.

Considering the results of the Customer Satisfaction Survey and direct feedback, the Company is always committed to improve 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.

Managing Customer ComplaintsCustomer complaints are an important matter for business growth in a Bank 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 centre 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 reported through all channels and media, including print and online media. through this system, all customers making a complaint are 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.

the ACMR system enables the bank to assess every 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 123 million transactions in 2013 to 162.5 million in 2014, the Company was able to maintain customer complaints at a level of 2 bps. there were an average of 4,039 financial complaints per month and 948 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 Levels 2014

Type of Customer Complaint

Settled in the same year

2013 2014

Financial 99,6% 98,9%

Non Financial 98,9% 99,3%

Total 99,3% 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, to run customer education programs in the form of seminars on banking and other activities.

Maintaining Customer Confidentiality [G4-DMA, G4-PR8]the company maintains confidentiality and customer 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.

Recognition and Awards for QualityAside from internal measurement results, the level of service quality is also reflected in recognition achieved by the Company in a number of annual events related to service quality conducted by independent external parties. For Syariah Banking performance, the Company received an award at the “WOW Service Excellence Award 2014” event held by Markplus Insight in the city of Surabaya. CIMB Niaga has also continually maintained its position in the top 10 in Bank Service Excellence Monitoring (BSEM) 2014 organized by Marketing Research Indonesia (MRI), taking 8th position in the Conventional Banking category and 3rd in the Syariah Banking category.

Aside from the MRI, the Company also received Excellence Service Experience Award 2014 for Regular Banking from Carre - Center for Customer Satisfaction and Loyalty. Meanwhile, for its credit card side, CIMB Niaga was awarded “Service Quality Award 2014 for Platinum Credit Card”, also held by Carre - Center for Customer Satisfaction and Loyalty.






Digital Lounge,

Layanan Perbankan CIMB Niaga





Jl. Sisingamangaraja No. 26 – Jakarta Selatan 12120 - Indonesia Tel: +62 21 720 2605 - Fax: +62 21 720 2606 - www.moores-rowland.com

PT. Moores Rowland Indonesia

Independent Assurance Statement Report No. 0415/BD/0024/JK

To the management of PT Bank CIMB Niaga, Tbk We were engaged by PT Bank CIMB Niaga, Tbk (‘Bank CIMB Niaga’) to provide assurance in respect to its Sustainability Report 2014 (‘the Report’). The assurance has been carried out by a multi-disciplined assurance team with a broad range of skills and depth of experience, thus providing a high level of competency for the assurance engagement. Independence We were not involved in the preparation of any key part of the Report and carried out all assurance undertakings with independence and autonomy. We did not provide any services to Bank CIMB Niaga during 2014 that could conflict with the independence of assurance engagement. Assurance Standards We conducted our work in accordance with ISAE3000 ‘Assurance Engagements other than Audits or Reviews of Historical Financial Information’ issued by the International Auditing and Accounting Standards Board. In addition, we have also planned and carried out our work in accordance with AA1000AS (2008) ‘AA1000 Assurance Standards (2008)’, issued by AccountAbility. Level of assurance and criteria used Our evidence-gathering procedures have been designed to obtain a limited level of assurance based on SAE3000 and a moderate level of assurance engagement as set out in AA1000AS (2008) in order to provide confidence to readers by reducing risks or errors to a very low but not to zero. Moreover, the AA1000 AccountAbility Principles Standard (2008) of Inclusivity, Materiality and Responsiveness has also been used as criteria to evaluate the Report.

Scope of Assurance We provided Type 2 assurance engagement under AA1000AS (2008). This involved: 1) an assessment of Bank CIMB Niaga’s adherence to

the AA1000 AccountAbility Principles Standard (2008) and

2) an assessment on the accuracy and quality of specified sustainability performance information contained within the Report, in relation to the agreed scope. The scope of work consisted of: Community development programme Product responsibilities Human resources.

The assured Global Reporting Initiative (GRI) G4 indicator related to the agreed scope above is marked with the sign at the GRI G4 Core Index section of the Report. Responsibility

Bank CIMB Niaga is responsible for all information and claims contained in the Report, including established sustainability management targets, performance management, data collection and report preparation, etc. Our responsibility in performing this engagement is to the management of Bank CIMB Niaga only for the purposes of verifying its statements relating to its sustainability performance, more particularly as described in the agreed scope. Our responsibility is to express our conclusions in relation to the agreed scope. Methodology

We have assessed several assertions and specified data sets included in the report and the systems and processes used to manage and report these using the following methods: Reviewed report, internal policies, documentation,

management and information systems Carried out interviews with staff involved in

sustainability-related management and reporting Followed data trails to initial aggregated source

and checked sample data to a greater depth during the engagement process.








Independent Assurance Statement Report No. 0415/BD/0024/JK

To the management of PT Bank CIMB Niaga, Tbk We were engaged by PT Bank CIMB Niaga, Tbk (‘Bank CIMB Niaga’) to provide assurance in respect to its Sustainability Report 2014 (‘the Report’). The assurance has been carried out by a multi-disciplined assurance team with a broad range of skills and depth of experience, thus providing a high level of competency for the assurance engagement. Independence We were not involved in the preparation of any key part of the Report and carried out all assurance undertakings with independence and autonomy. We did not provide any services to Bank CIMB Niaga during 2014 that could conflict with the independence of assurance engagement. Assurance Standards We conducted our work in accordance with ISAE3000 ‘Assurance Engagements other than Audits or Reviews of Historical Financial Information’ issued by the International Auditing and Accounting Standards Board. In addition, we have also planned and carried out our work in accordance with AA1000AS (2008) ‘AA1000 Assurance Standards (2008)’, issued by AccountAbility. Level of assurance and criteria used Our evidence-gathering procedures have been designed to obtain a limited level of assurance based on SAE3000 and a moderate level of assurance engagement as set out in AA1000AS (2008) in order to provide confidence to readers by reducing risks or errors to a very low but not to zero. Moreover, the AA1000 AccountAbility Principles Standard (2008) of Inclusivity, Materiality and Responsiveness has also been used as criteria to evaluate the Report.

Scope of Assurance We provided Type 2 assurance engagement under AA1000AS (2008). This involved: 1) an assessment of Bank CIMB Niaga’s adherence to

the AA1000 AccountAbility Principles Standard (2008) and

2) an assessment on the accuracy and quality of specified sustainability performance information contained within the Report, in relation to the agreed scope. The scope of work consisted of: Community development programme Product responsibilities Human resources.

The assured Global Reporting Initiative (GRI) G4 indicator related to the agreed scope above is marked with the sign at the GRI G4 Core Index section of the Report. Responsibility

Bank CIMB Niaga is responsible for all information and claims contained in the Report, including established sustainability management targets, performance management, data collection and report preparation, etc. Our responsibility in performing this engagement is to the management of Bank CIMB Niaga only for the purposes of verifying its statements relating to its sustainability performance, more particularly as described in the agreed scope. Our responsibility is to express our conclusions in relation to the agreed scope. Methodology

We have assessed several assertions and specified data sets included in the report and the systems and processes used to manage and report these using the following methods: Reviewed report, internal policies, documentation,

management and information systems Carried out interviews with staff involved in

sustainability-related management and reporting Followed data trails to initial aggregated source

and checked sample data to a greater depth during the engagement process.



Limitations Our scope of work was limited to a review of the accuracy and reliability of specified data and interviews with data providers, persons in charge of data collection and processing, as well as persons in charge of sustainability performance-related information. Conclusions We have confirmed that the Report has been prepared in accordance with G4 Core Criteria issued by the Global Reporting Initiative (GRI). Findings and conclusions concerning adherence to the AA1000 AccountAbility Principles of Inclusivity, Materiality and Responsiveness include: Inclusivity

An assessment has been made to determine whether Bank CIMB Niaga has included all key stakeholders in developing and achieving an accountable and strategic response to sustainability issues. We found Bank CIMB Niaga demonstrates a strong commitment to stakeholder inclusivity. Bank CIMB Niaga has an effective system in place for key stakeholders to participate in the development of the organization's response in the context of sustainability. This is demonstrated for instance, by conducting needs assessment surveys in relation to community development programme and materiality level survey to the key stakeholders group. However, we recommend that Bank CIMB Niaga continues to improve stakeholder inclusivity systems and procedures on a regular basis to maintain their effectiveness.

Materiality An assessment has been made as to whether Bank CIMB Niaga has included in the Report the material information required by its stakeholders in order to enable them to make informed judgements, decisions and actions. We found Bank CIMB Niaga has a strong process in place to determine material issues. Key material issues were adequately reported and were found to provide balanced information about Bank CIMB Niaga's sustainability performance. A range of internal stakeholders are involved in Bank CIMB Niaga's materiality determination process. However, we recommend that Bank CIMB Niaga continues to conduct materiality test on a regular basis in future reports.

Responsiveness

An assessment has been made as to whether Bank CIMB Niaga demonstrates that it responds to its stakeholders and is accountable to them. Bank CIMB Niaga was found to be responsive to key stakeholder concerns and expectations. This was achieved through the organization's allocation of resources to stakeholder engagement, the timeliness and accessibility of reported information, and the types of communication mechanisms regularly employed. However, we recommend that Bank CIMB Niaga continues to improve stakeholder engagement procedures on a regular basis in future reports.

Based on our limited assurance engagement, nothing has come to our attention that causes us to believe that the data of the Report has been materially misstated. All key assurance findings are included herein, and detailed observations and follow-up recommendations have been submitted to Bank CIMB Niaga management in a separate report. Jakarta, April 9, 2015

James Kallman President Director Moores Rowland is an international organization specializing in audit, accounting, tax, legal and advisory services. Moores Rowland is a member of Praxity AISBL, the world's largest Alliance of independent and unaffiliated audit and consultancy companies. We can rely on the skills of more than 33,400 professionals operating together in 97 countries, sharing the same values and sense of responsibility, whilst in Indonesia is served by Moores Rowland, one of the leading sustainability assurance providers.





GRI Index G4 Core Option [G4-32]

Material Aspects

ReportedIndex

Remarks Page ExternalAssurance

GENERAL STANDARD DISCLOSURE

Strategy And Analysis G4-1 Statement From the Highest Governance Body Regarding Short term And Long term Strategy In Implementing Sustainability

14 ✓

Organizational Profile G4-3 Organization Name 25,26 ✓

G4-4 Primary Brands, Products And Services 25,26 ✓

G4-5 Organization Headquarters 25,26 ✓

G4-6 Operational Regions 25 ✓

G4-7 Ownership And Legal Form 25,26 ✓

G4-8 Markets Served, Sectors Served, Customer types 26 ✓

G4-9 Organization Scale 26 ✓

G4-10 Profile Of Employees 68 ✓

G4-11 Collective Bargaining Agreements 75 ✓

G4-12 Supply Chain 36 ✓

G4-13 Changes During the Reporting Period 26 ✓

G4-14 Precautionary Approached And Risk Management 34 ✓

G4-15 List Of External Chartered Supported And Addressed 37 ✓

G4-16 Memberships In Associations 37 ✓

Material Aspect Indentification And Boundary

G4-17 List Of All Organizational Entities And Reporting Scope 21 ✓

G4-18 Defining Report Content And Boundary Aspect 20,22 ✓

G4-19 List Of Material Aspect Identified 21 ✓

G4-20 Internal Aspect Boundary For Each Material Aspects 21 ✓

G4-21 External Aspect Boundary For Each Material Aspects 21 ✓

G4-22 Restatement From Previous Reports 23 ✓

G4-23 Significant Changed From Previous Reporting 23 ✓

Stakeholder Engagement

G4-24 List Of Stakeholder Groups 34 ✓

G4-25 Basis For Identification And Selection Of Stakeholder 34 ✓

G4-26 Stakeholder Engagement Approach 34 ✓

G4-27 Stakeholder Concern Or Key topics 34 ✓

Report Profile G4-28 Reporting Period 19 ✓

G4-29 Date Of Most Recent Previous Report 19 ✓

G4-30 Reporting Cycle 19 ✓

G4-31 Contact Point Regarding Report Content 23 ✓

G4-32 GRI Core Index 19,84

G4-33 External Assurance 19,82

Governance G4-34 Governance Structure Of the Organization 31

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

33






Material Aspects

ReportedIndex


ECONOMIC

Economic Performance G4-DMA Disclosure Of Management Approach For Direct Economic Impact

39

G4-EC1 Direct Economic Value Generated And Distributed 40 ✓

G4-EC3 Coverage Of the Organizations’s Defined Benefit Plan Obligations

74

Indirect Economic Impact

G4-DMA Disclosure Of Management Approach For Indirect Economic Impact

40,51,52

G4-EC7 Development And Impact Of Infrastructure Investment And Service Supported

51,52

G4-EC8 Indirect Economic Impact 40,52 ✓

ENVIRONMENT

Energy G4-DMA Disclosure Of Management Approach For Energy Management

49

G4-EN6 Reduction In Energy Consumption Efforts And Achievement

49 ✓

Biodiversity G4-EN13 Habitats Protected Or Restored 64

Product & Services G4-EN27 Extent Of Impact Mitigation Of Environment Impact Of Product And Service

64

LABOR PRACTICE AND DECENT WORK

Employment G4-LA1 total Number And Rates Of New Employee Hires And Employee turnover

68

G4-LA2 Benefits Provided to Full-time Employees that Are Not Provided to temporary Or Part-time Employees

74

training & Education G4-LA9 Average Hours Of training Per Year Per Employee 72 ✓

Supplier Labor Practice Assessment

G4-LA14 New Suppliers Screened Using Labor Practice Criteria 36

HUMAN RIGHTS

Discrimination G4-HR3 total Number Of Incidents Od Discrimination And Corrective Actions taken

67,68

Supplier Human Rights Assessment

G4-HR10 New Suppliers Screened Using Human Rights Criteria 36

PRODUCT RESPONSIBILITY

Product & Service Labeling

G4-DMA Disclosure Of Management Approach For Product & Service Labeling

78

G4-PR5 Customer Satisfaction Measurement And Survey 79,80

Customer Privacy G4-DMA Disclosure Of Management Approach For Customer Privacy

80

G4-PR8 Complaints regarding breaches of customer privacy 80





Material Aspects

ReportedIndex


Compliance G4-PR9 Monetary value of significant fines for non compliance with laws and regulation concerning the provision and use of products and services

34

SOCIETY

Local Community G4-DMA Disclosure Of Management Approach For Local Community

50,52

G4-SO1 Percentage Of Operation With Implemented Local Community Engagement, Impact Assessments, And Development Programs.

52, 59, 60, 61, 64

✓

Anti-Corruption G4-SO3 Assessment toward Risk Of Corruption And Other Identified Risk In the Organization

34

G4-SO4 Communication And training On Anti-Corruption Policies And Procedures

34

FINANCIAL SERVICES SECTOR SPECIFIC INDICATOR

Product Portfolio G4-DMA Disclosure Of Management Approach For Environmental And Social Components

46,47

G4-FS2 Procedures For Assessing And Screening Environmental And Social Risks

47

G4-FS3 Processes For Monitoring Clients’ Implementation Of And Compliance With Environmental And Social Requirements Included In Agreements Or transactions

47

G4-FS6 Percentage Of the Portfolio For Business Lines By Specific Region, Size (Micro/Sme/Large)

40

G4-FS7 Monetary Value Of Products And Services Designed For Microfinance And SME

41

Local Community G4-DMA Disclosure Of Management Approach For Local Community

43

G4-FS13 Access Points In Low-Populated Or Economically Disadvantaged Areas

43

G4-FS14 Initiatives to Improve Access to Financial Services 42

Product Responsibility G4-DMA Disclosure Of Management Approach For Product Responsibility

52

G4-FS16 Initiatives to Enhance Financial Literacy By type Of Beneficiary

42,52,55






• Millennium Development Goals (MDGs) is a Millennium Declaration which has been approved by Heads of States and

Representatives from over 189 UN countries. this declaration came into effect in September 2000 with eight goals to be

achieved by 2015. the Declaration aims to achieve prosperity and community development by 2015.

• Gross Domestic Product (GDP) is the market value of all services and goods produced by a country in a determined

period of time.

• Capital Adequacy Ratio (CAR) 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.

• Outstanding Loan is the total of loans already distributed to customers exceeding the prescribed lines of credit.

• Non Performing Loan (NPL) Ratio is the ratio between the total of loans which are non performing and the total of

outstanding loans.

Glossary





Feedback SheetWe would like to thank you for taking your valuable time to read this Sustainability Report 2014. 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.


3. the material in this Sustainability Report includes data and information that is sufficiently complete.


4. the material in this Sustainability Report includes data and information that is accountable and can be validated.


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? ............................................................................................................................................................................................

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

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

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Your Information

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Please send back this form to:

Pt Bank CIMB Niaga tbkCorporate Secretary

Graha CIMB Niaga 16th FloorJl. Jend. Sudirman Kav. 58Jakarta 12190, Indonesiatel. : (62-21) 250 5252, 250 5353Fax. : (62-21) 252 6749Email : [email protected] : CIMB Indonesiatwitter : @CIMBIndonesiawww.cimbniaga.com

Identification of stakeholder groups (select one):• Government•NGO•Industry• Academic•Media•Public• Other ………………………………………………………………………









Sustainability Sector Report 2014 Sustainability Report

PT Bank CIMB Niaga Tbk

Corporate SecretaryGraha CIMB NiagaJl. Jend. Sudirman Kav. 58Jakarta 12190, Indonesiatel. : (62-21) 250 5252, 250 5353Fax. : (62-21) 252 6749Email : [email protected] : CIMB Indonesiatwitter : @CIMBIndonesia

www.cimbniaga.com

Documents

Innovation from the Heart for Sustainability