Laporan Tahunan 2019 - bankinterim.co.id · Hubungan Keluarga, Hubungan Keuangan dan Kepemilikan...

PT Bank Rabobank International Indonesia

Annual Report

Laporan Tahunan 20192019

PT Bank Rabobank International IndonesiaA

nnual ReportLaporan Tahunan

2019

PT Bank Rabobank International IndonesiaNoble House, Lantai 31-32Jl. Dr Ide Anak Agung Gde Agung, Kav. E.4.2 No 2Jakarta 12950 Tel : (021) 30021888Fax : (021) 30021999www.rabobank.co.id

Growing abetter worldtogether.

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Profil ManajemenManagement Profile

Analisa dan Pembahasan ManajemenManagement Discussion and Analysis

Tinjauan Industri | Industry Review .........................................................................................................................................................................................................Tinjauan Bisnis | Business Review .............................................................................................................................................................................................................Perbankan Korporasi | Corporate Banking .........................................................................................................................................................................................Perbankan Bisnis | Business Banking ......................................................................................................................................................................................................Perbankan Transaksional | Transaction Banking .............................................................................................................................................................................Rencana Strategis Bisnis | Business Strategic Plan ........................................................................................................................................................................Tinjauan Keuangan | Financial Review ..................................................................................................................................................................................................Aset | Assets .............................................................................................................................................................................................................................................................Liabilitas | Liabilities ...........................................................................................................................................................................................................................................Ekuitas | Equity ......................................................................................................................................................................................................................................................Pendapatan Bunga | Interest Income ....................................................................................................................................................................................................(Rugi)/Laba Operasional | (Loss)/Income from Operations .....................................................................................................................................................(Rugi)/Laba Bersih Tahun Berjalan | (Loss)/Net Profit for the Year ......................................................................................................................................Transaksi Benturan Kepentingan | Conflict of Interest Transactions .................................................................................................................................Teknologi Informasi | Information Technology ................................................................................................................................................................................Penghentian Produk/Layanan yang Terkait Sistem TI | Termination of Products/Services Related to IT Systems .............................Pencadangan/Penyimpanan Data untuk Sistem | Data backup/storage for the system ...................................................................................Pengakhiran Aset TI | Termination of IT Assets .................................................................................................................................................................................Rencana Pengakhiran infrastruktur TI | Termination Plan of IT Infrastructure ............................................................................................................Pengembangan Sumber Daya Manusia | Human Resources Development ..............................................................................................................Tanggung Jawab Sosial Perusahaan | Corporate Social Responsibilities .......................................................................................................................

Profil Dewan Komisaris | Board of Commissioners’ Profile ........................................................................................................................................................Profil Direksi | Board of Directors’ Profile ...............................................................................................................................................................................................

Ikhtisar Keuangan

Peristiwa Penting 2019

Laporan Direksi

Profil Perusahaan

Laporan Dewan Komisaris

Financial Highlights

2019 Event Highlights

Board of Directors’ Report

Company Profile

Board of Commissioners’ Report

Informasi Korporasi | Corporate Information ....................................................................................................................................................................................Sekilas Perusahaan | Company in Brief .................................................................................................................................................................................................Sejarah Perusahaan | Company Histrory .............................................................................................................................................................................................Rabobank Group | Rabobank Group ......................................................................................................................................................................................................Rabobank Indonesia | Rabobank Indonesia ......................................................................................................................................................................................Jaringan Kantor Rabobank Indonesia | Rabobank Indonesia Office Network ...........................................................................................................Visi/Misi | Vision/Mission .................................................................................................................................................................................................................................Penghargaan | Awards .....................................................................................................................................................................................................................................Struktur Pemegang Saham Rabobank Indonesia | Structure of Rabobank Indonesia Shareholders .........................................................Struktur Organisasi | Organization Structure ....................................................................................................................................................................................Produk dan Layanan | Products and Services ...................................................................................................................................................................................

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Daftar IsiTable of Contents

ii Laporan Tahunan 2019 | Annual Report 2019

Tata Kelola Perusahaan yang BaikGood Corporate Governance

Tata Kelola Perusahaan yang Baik | Good Corporate Governance ....................................................................................................................................Rapat Umum Pemegang Saham | General Meeting of Shareholders ..............................................................................................................................Dewan Komisaris | Board of Commissioners .....................................................................................................................................................................................Pelaksanaan Tugas dan Tanggung Jawab Dewan KomisarisImplementation of the Board of Commissioners’ Duties and Responsibilities ..............................................................................................................Independensi Dewan Komisaris | Independency of the Board of Commissioners .................................................................................................Direksi | Board of Directors ............................................................................................................................................................................................................................Pelaksanaan Tugas dan Tanggung Jawab DireksiImplementation of the Board of Directors’ Duties and Responsibilities ............................................................................................................................Dewan Komisaris dan Direksi | Board of Commissioners and Directors .........................................................................................................................Rapat-rapat Dewan Komisaris dan Direksi | Meetings of the Board of Commissioners and Board of Directors ..................................Hubungan Keluarga, Hubungan Keuangan dan Kepemilikan Saham Dewan Komisaris dan DireksiFamilial relationship, financial relationship and share ownership of the Board of Commissioners and Board of Directors .............Remunerasi Dewan Komisaris dan Direksi | Board of Commissioners and Board of Directors Remuneration .....................................Komite-komite | Committees ......................................................................................................................................................................................................................Komite di Bawah Dewan Komisaris | Committees Under the Board of Commissioners ......................................................................................Komite di Bawah Direksi | Committees Under the Board of Directors .............................................................................................................................Opsi Saham dan Buy-back | Share Options and Buy-back ........................................................................................................................................................Kepatuhan | Compliance ................................................................................................................................................................................................................................Pemberian Dana untuk Kegiatan Politik dan Kegiatan Sosial | Donations for Political and Social Activities ........................................Anti Pencucian Uang dan Pencegahan Pendanaan TerorismeAnti-money Laundry and Prevention of Terrorism Funding .....................................................................................................................................................Audit Internal | Internal Audit .....................................................................................................................................................................................................................Audit Eksternal | External Audit .................................................................................................................................................................................................................Sistem Whistleblowing | Whistleblowing System ..........................................................................................................................................................................Masalah Hukum | Legal Issues ....................................................................................................................................................................................................................Manajemen Risiko | Risk Management .................................................................................................................................................................................................Pengungkapan Struktur Permodalan, Eksposur Risiko, dan Pelaksanaan Manajemen RisikoDisclosure of Capital Structure, Risk Exposure, and Risk Management Implementation .......................................................................................Eksposur Risiko dan Pelaksanaan Manajemen Risiko | Risk Exposure and Risk Management Implementation .................................Tabel Penyimpangan Internal | Internal Fraud Table ...................................................................................................................................................................Self-assessment (Penilaian Mandiri) Pelaksanaan Tata Kelola yang baik | Self-assessment on GCG implementation ....................Kesimpulan Umum Hasil Self-assessment (Penilaian Mandiri) Pelaksanaan Tata Kelola yang BaikGeneral Conclusion of the GCG Implementation Self-assessment ......................................................................................................................................

Pengurus Bank dan Pejabat Eksekutif

Surat Pernyataan Anggota Dewan Komisaris dan Direksi tentang Tanggung Jawab atas Laporan Tahunan 2019 PT Bank Rabobank International Indonesia

Lampiran : Tabel Pengungkapan Struktur Permodalan, Eksposur Risiko, dan Implementasi Manajemen Risiko

Bank Management and Key Executive Officers

The Board of Commissioners’ and The Board of Directors’ Statement of Responsibility for the 2019 Annual Report of PT Bank Rabobank International Indonesia

Attachment : Tables – Disclosure of Capital Structure, Risk Exposure, and Implemen-tation of Risk Management

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Laporan Keuangan 31 Desember 2019Financial Statements December 31, 2019

1

Nama Perusahaan Company Name

PT Bank Rabobank International Indonesia

Tanggal PendirianEstablishment Date

11 April 1990Akta Notaris Winnie Hadiprodjo, SH., pengganti Kartini Muljadi, SH., No. 50 Persetujuan Menteri Kehakiman Republik Indonesia No. C2-3152.HT.01.01.TH90 tanggal 31 Mei 1990.April 11, 1990Notarial Deed of Winnie Hadiprojo, SH., substitute of Kartini Muljadi, SH., No. 50 Ministry of Justice of the Republic of Indonesia Approval No. C2-3152.HT.01.01.TH90 dated May 31, 1990

Tanggal Mulai BeroperasiOperations Commencement Date

24 September 1990 | September 24, 1990

Sektor UsahaBusiness Sector

Perusahaan Perbankan | Banking Company

Izin UsahaBusiness License

Surat Keputusan Menteri Keuangan Republik Indonesia No. 998/KMK.013/1990 tanggal 29 Agustus 1990 dan surat persetujuan Deputi Gubernur Senior Bank Indonesia No. 2/36/KEP.DGS/2000 tanggal 6 Desember 2000.Decision Letter No. 998/KMK.013/1990 of the Ministry of Finance of the Republic of Indonesia dated August 29, 1990 and Bank Indonesia’s Senior Deputy Governor approval letter No. 2/37/KEP.DGS/2000 dated December 6, 2000.

Komposisi Pemegang SahamShareholders Composition

Coöperatieve Rabobank U.A. : 81,65%PT Aditirta Suryasentosa : 6,53%PT Antarindo Optima : 6,53%PT Antariksabuana Citanagara : 3,27%PT Mitra Usaha Kencana Sejati : 0,22%Jimmy Lityo : 1,80%

AlamatAddress

PT Bank Rabobank International IndonesiaNoble House, Lantai 31-32 | 31st-32nd FloorJl. Dr Ide Anak Agung Gde Agung, Kav. E.4.2 No 2Jakarta 12950 Tel : (021) 30021888Fax : (021) 30021999Website : www.rabobank.co.idRabo Access Center : 1500080

Kantor LayananOffice Channeling

1 Kantor Pusat | Head Office6 Kantor Cabang | Branch Offices

Dewan KomisarisBoard of Commissioners

Jan Alexander PruijsPresiden Komisaris | President Commissioner

Hendrik AdamsKomisaris Independen | Independent Commissioner

Widiyarto Suwarto SumitroKomisaris Independen | Independent Commissioner

Profil PerusahaanCompany Profile

Informasi KorporasiCorporate Information

2 Laporan Tahunan 2019 | Annual Report 2019

DireksiBoard of Directors

Soemenggrie Jongkamto*Pjs. Presiden Direktur | Act. President Director

Mia PatriaDirektur | Director

Heri HaryadiDirektur | Director

Maximiliaan BlomDirektur | Director

Sheky LemasoaDirektur | Director

Jumlah KaryawanTotal Employee

Per 31 Desember 2019, total karyawan adalah 422 orangAs of December 31, 2018, total employee was 422 employees

Kantor Akuntan Publik (Auditor)Public Accountant Firm (Auditor)

Tanudiredja, Wibisana, Rintis & Rekan(a member firm of Price Waterhouse Coopers Global Network)Tanudiredja, Wibisana, Rintis & Partners(a member firm of Price Waterhouse Coopers Global Network)

Informasi KorporasiCorporate Information

Sejarah Perusahaan

Pada tahun 1898 dua bank koperasi di Belanda yang berbeda Coöperatieve Centrale Raiffeisen Bank di kota Utrecht dan Coöperatieve Centrale Boerenleenbank di kota Eindhoven yang beroperasi secara terpisah dalam memberikan layanan akses keuangan kepada petani. Pada tahun 1972 kedua bank bergabung dan sepakat untuk menggunakan nama Rabobank Nederland. Sejalan dengan bertambahnya kebutuhan nasabah Rabobank untuk mendapatkan layanan di luar negeri di tahun 1970-an, Rabobank International secara perlahan hadir dan kemudian membuka kantor-kantor cabang di Eropa, Amerika Utara, Asia, dan Amerika Selatan.

Rabobank Group

Rabobank adalah penyedia layanan finansial internasional yang beroperasi berdasarkan prinsip koperasi. Layanan yang ditawarkan adalah perbankan ritel, perbankan korporasi, private banking, serta real-estate dan leasing. Rabobank Group terdiri dari Coöperatieve

Company History

In 1898 two cooperative banks in Netherlands founded by farmers, Coöperatieve Centrale Raiffeisen Bank in Utrecht and Coöperatieve Centrale Boerenleenbank in Eindhoven, operated separately in giving financial access to farmers. In 1972 the two entities merged and agreed to use the name of Rabobank Nederland. As the customer need for banking services outside the Netherlands grew in the 1970s, Rabobank International gradually grownand then started to open offices in Europe, North America, Asia, and South America.

Rabobank Group

Rabobank is an international financial services provider operating on the basis of cooperative principles. It offers retail banking, wholesale banking, private banking, leasing and real estate services. Rabobank Group is comprised of Coöperatieve Rabobank U.A.

Sekilas PerusahaanCompany in Brief

*) Efektif sejak tanggal 5 Juli 2019, Joseph F.P. Luhukay non aktif menjabat sebagai Presiden Direktur dan mengundurkan diri sebagai Presiden Direktur efektif tanggal 31 Desember 2019. Sehingga, Soemenggrie Jongkamto bertindak sebagai Pjs. Presiden Direktur sejak tanggal 5 Juli 2019.*) Effective on July 5, 2019, Joseph F.P. Luhukay was effectively non-active as President Director and resigned as President Director effectively on December 31, 2019. Therefore, Soemenggrie Jongkamto served as Act. President Director since July 5, 2019.

3

Rabobank Indonesia

PT Bank Rabobank International Indonesia (“Rabobank Indonesia”, “Perseroan”, “Perusahaan”, “Bank”, “kami”) mulai beroperasi pada tahun 1990 dengan memberikan layanan perbankan korporasi. Rabobank Indonesia adalah anak perusahaan Rabobank Group yang berpusat di Utrecht, Belanda. Sebagai anak perusahaan Rabobank Group, Rabobank Indonesia memiliki pengetahuan yang baik di bidang pangan dan agribisnis dan karena itu nasabah yang bergerak dalam sektor ini semakin bertambah.

Pada awal tahun 2019, Rabobank Group selaku pemegang saham pengendali Bank telah memutuskan untuk berhenti beroperasi di Indonesia secara bertahap yang direncanakan sampai akhir Juni 2020. Keputusan Rabobank Group ini sejalan dengan strategi global yang terarah pada visi Banking for Food, dimana Rabobank secara global akan berkonsentrasi pada rantai-pasok Food and Agriculture (F&A). Karenanya, struktur bisnis di luar Belanda akan diutamakan pada Wholesale Banking dan tidak lagi pada Retail. Hal ini telah mengakibatkan ditutup atau dijualnya bisnis Rabobank di beberapa negara lain, seperti Polandia, Irlandia dan Amerika Utara. Dalam konteks ini, penutupan Bank sepenuhnya merupakan keputusan strategi Rabobank Group dan tidak berkaitan dengan kondisi ekonomi Indonesia yang baik, maupun kinerja industri perbankannya yang positif.

Rabobank Indonesia

PT Bank Rabobank International Indonesia (“Rabobank Indonesia”, “the Company”, “the Bank”, “we”, “us”) commenced operations in 1990, initially providing corporate banking services. Rabobank Indonesia is a subsidiary of Rabobank Group which has its headquarters in Utrecht, the Netherlands. As a subsidiary of Rabobank Group, Rabobank Indonesia has a profound understanding of the food and agribusiness sector, and therefore continues to expand the client base in this sector.

In early 2019, Rabobank Group, as the controlling shareholders of the Bank, has decided to cease operations in Indonesia in stages which is scheduled until the end of June 2020. This decision is fully in-line with Rabobank Group’s global strategy towards its vision of Banking for Food, focusing Internationally on Food and Agriculture (F&A) supply-chains. In support of this focus, the business structure outside the Netherlands will be Wholesale Banking, rather than Retail. This has resulted in the closure or sale of Rabobank operations in a few other countries, such as Poland, Ireland and North America. Within this context, the Bank’s closure is purely a Rabobank Group strategic decision and is unrelated to Indonesia’s good economic growth and positive performance of its banking industry.

Rabobank U.A. (Rabobank) dan anak perusahaan terkonsolidasi di Belanda dan di luar Belanda. Adalah komitmennya untuk menyejahterakan penduduk Belanda dan memberikan kontribusi yang signifikan dalam menyediakan makanan bagi penduduk dunia.

Berkantor pusat di Utrecht, Rabobank adalah bank yang didirikan oleh dan untuk nasabah. Rabobank adalah bank koperasi dan bank yang bertanggung jawab secara sosial yang bermula di Belanda di abad ke 19. Tujuan Rabobank adalah menjadi salah satu bank terdepan dalam bidang pangan dan agribisnis di seluruh dunia dan pemimpin pasar di semua segmen pasar di Belanda.

Identitas koperasi Rabobank bermula di akhir abad ke 19 pada saat sekelompok petani mendirikan bank koperasi pertanian yang pertama. Akar yang kuat dalam bidang pertanian berarti bahwa Rabobank memiliki pengetahuan lebih mengenai industri pangan dan agribisnis. Rabobank adalah bank terbesar di dunia untuk bidang ini dan memiliki ambisi untuk menjadi bank pangan dan agribisnis terdepan di dunia. Dengan latar belakang ambisi ini, Rabobank ingin memberikan kontribusi dalam keamanan serta ketahanan pangan dunia.

(Rabobank) and its consolidated subsidiaries in the Netherlands and abroad. It is committed to making a welfare and prosperity in the Netherlands and a substantial contribution to feeding the world sustainably.

With its headquarters in Utrecht, Rabobank is a bank by and for its customers, a cooperative bank, socially-responsible bank originating from originating from the Netherlands in the 19th century. Rabobank’s aim is to be a leading bank in the field of food and agri worldwide and a market leader across all financial markets in the Netherlands.

Rabobank’s cooperative identity stems back to the late 19th century when a group of farmers founded the first agricultural cooperative banks. Our strong agricultural roots mean that we have unparalleled knowledge in the food and agribusiness industry. Rabobank is the largest bank in the Netherlands in this field and our ambition is to become the world’s leading food and agri bank. Based on this ambition, Rabobank is dedicated to making a contribution to bringing about global food safety and security.



Jaringan Kantor Rabobank Indonesia Rabobank Indonesia Office Network


Seiring dengan proses penghentian operasional Perseroan, kami melakukan penutupan beberapa Kantor Cabang dan Kantor Cabang Pembantu secara bertahap. Per 31 Desember 2019, jumlah jaringan kantor Rabobank Indonesia berjumlah 1 (satu) Kantor Pusat dan 6 (enam) Kantor Cabang.

Sebagai tambahan informasi, 5 (lima) Kantor Cabang Bank yang berlokasi di Bandung, Semarang, Surabaya, Medan, dan Lampung telah berhenti beroperasi pada bulan Maret 2020.

Align with the Company’s operational shutdown process, we started to close several Branch Offices and Sub-branches in phase. As of December 31, 2019, total of Rabobank Indonesia office network is comprised of 1 (one) Head Office and 6 (six) Branch Offices.

As an additional information, 5 (five) Branch Offices of the Bank located in Bandung, Semarang, Surabaya, Medan, and Lampung had ceased operations on March 2020.

Pada tanggal 11 Desember 2019, PT Bank Central Asia Tbk (“BCA”) dan Rabobank Group menandatangani perjanjian jual beli bersyarat untuk BCA mengakuisisi saham mayoritas Rabobank Indonesia dari Rabobank Group, dengan persetujuan Otoritas Jasa Keuangan (OJK). Meski menghentikan operasional di Indonesia, Rabobank Group tetap berkomitmen terhadap sektor pangan dan agrobisnis di Indonesia dan akan terus melayani nasabah wholesale Indonesia melalui cabang-cabang Rabobank di luar negeri, serta terus mendukung sektor agrobisnis di Indonesia melalui Rabo Foundation.

On December 11, 2019, PT Bank Central Asia Tbk (“BCA”) and Rabobank Group signed a conditional sale and purchase agreement for BCA to acquire the majority shares of Rabobank Indonesia from Rabobank Group, subject to Financial Services Authority (Otoritas Jasa Keuangan / OJK) approval. Although ceasing operations in Indonesia, the Rabobank Group remains committed to the food and agribusiness sector in Indonesia and will continue to service its Indonesian wholesale clients through their other offices in the region, as well as to continue to support the agribusiness sectors in Indonesia through Rabo Foundation.

Kantor Pusat | Head Office

Kantor Cabang | Branches

Jakarta

PT Bank Rabobank International IndonesiaNoble House, Lantai 31-32Jl. Dr Ide Anak Agung Gde Agung, Kav. E.4.2 No 2Jakarta 12950 Tel : (021) 30021888Fax : (021) 30021999

Abdul MuisJl. Abdul Muis No. 28Jakarta Pusat 10160Tel : (021) 29266999Fax : (021) 2312250

Jawa Barat

Bandung - RE MartadinataJl. RE Martadinata (Jl. Riau) No. 150Bandung 40113Tel : (022) 4216846Fax : (022) 4216615

Jawa Tengah

Semarang - PandanaranJl. Pandanaran No. 99Semarang 50243Tel : (024) 76441418Fax : (024) 76441410

Jawa Timur

Surabaya - Panglima SudirmanJl. Panglima Sudirman No.51Embong Kaliasin, Genteng Surabaya 60271Tel : (031) 52403177Fax : (031) 5325992

Sumatera Utara Lampung

Lampung - KartiniJl. Kartini No. 85 Tanjung KarangBandar Lampung 35116Tel : (0721) 259773Fax : (0721) 265038

Medan - DiponegoroJl. Diponegoro No. 14D-EMedan 20112Tel : (061) 4576688Fax : (061) 4575233

5

Visi/Misi

Menjalankan keputusan Rabobank Group selaku pemegang saham pengendali Bank untuk berhenti beroperasi di Indonesia secara bertahap sesuai dengan peraturan perundang-undangan yang berlaku dan selama proses penghentian operasional tersebut, Bank memastikan bahwa proses transisi tersebut dilakukan secara hormat, adil dan sebaik-baiknya dengan fokus utama kepada para nasabah dan karyawan Bank.

Vision/Mission

Carrying out the decision of Rabobank Group as the controlling shareholder of the Bank to cease operations in Indonesia in stages in accordance to prevailing rules and regulations and throughout the cease process of operations, Bank ensures that the transition process is respectfully, fairly and well executed with main focus on the Bank’s customers and employees.


Sejalan dengan aksi korporasi Bank untuk menghentikan operasinya di Indonesia, maka visi/misi Bank mengalami perubahan.

In line with the Bank’s corporate action to cease its operations in Indonesia, therefore the Bank’s vision/mission changed.

Struktur Pemegang Saham Rabobank Indonesia

Per 31 Desember 2019, struktur pemegang saham Rabobank Indonesia adalah sebagai berikut:

Structure of Rabobank Indonesia Shareholders

As of December 31, 2019, structure of Rabobank Indonesia shareholders is as follows:

Penghargaan | Award Diberikan Oleh | Presented By Pada Bulan | On Month

10 Years Appreciation Customer Loyalty Award Jaringan Prima Februari 2019 | February 2019

Penghargaan Awards

PT Mitra Usaha Kencana Sejati

Coöperatieve Rabobank U.A.

PT Aditirta Suryasentosa

PT Antarindo Optima

PT Antariksabuana Citanagara

0,22%

81,65%

6,53%

6,53%

3,27%

Jimmy Lityo1,80%



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7


Produk dan Layanan

Sejalan dengan aksi korporasi Bank, maka hingga tanggal 31 Desember 2019, Bank telah menghentikan secara bertahap produk dan layanan sebagai berikut:

Perbankan Korporasi• Kredit• Trade Commodity Financing and Trade Finance Services

(Pembiayaan Komoditas Perdagangan dan Pelayanan Pembiayaan Perdagangan)

• Asset Based Financing (Pembiayaan Berbasis Aset)• Global Clients Solutions (Structured Finance)• Tresuri• Layanan Valuta Asing (FX Spot)• Cash Management (Manajemen Kas)

Perbankan Bisnis• Internet banking• Tabungan, giro, deposito berjangka• Kredit UKM• Kredit komersial• Cash Management (Manajemen Kas) untuk perusahaan• Layanan dan pembiayaan perdagangan dan ekspor impor• Layanan valuta asing (FX Spot)• Accounts Receivable Financing• Kartu ATM dan debit Rabo WorldPass• Layanan perbankan melalui telepon Rabo Access Center 24-jam• Layanan lainnya (bank garansi, khasanah)

Penyampaian informasi terkait penghentian bertahap beberapa produk dan layanan Bank dilakukan secara langsung kepada nasabah melalui surat, koran, dan juga melalui situs resmi Bank.

Products and Services

In line with the Bank’s corporate action, therefore up to December 31, 2019, Bank has ceased products and services in phases as follows:

Corporate Banking• Loans• Trade Commodity Financing and Trade Finance Services

• Asset Based Financing• Global Clients Solutions (Structured Finance)• Treasury• Foreign Exchange Services (FX Spot)• Cash Management

Business Banking• Internet banking• Savings account, current account, time deposit• SME lending• Commercial lending• Cash Management for businesses• Trade financing, export-import services• Foreign exchange services (FX Spot)• Accounts Receivable Financing• Rabo WorldPass ATM and debit card• Rabo Access Center 24-hour phone banking services• Other services (bank guarantees, safe deposit boxes)

Information delivery regarding the Bank’s products and services reducing in phase process is informed directly to the customers through mail, newspaper, and also published on the Bank’s official website.


Tahun Laporan 2019 2018 2017 Reporting Year

Neraca Balance Sheet

Total aset 2.310.204 13.816.214 11.888.583 Total assets

Total kredit 1.565.765 10.989.427 8.331.229 Total loans

Cadangan kerugian penurunan nilai (CKPN) (369.651) (446.964) (109.878) Allowance for impairment losses

Total ekuitas 628.471 1.102.616 1.802.467 Total equity

Simpanan nasabah 83.565 7.851.938 7.960.878 Customer deposits

Pinjaman subordinasi 638.595 776.520 451.119 Subordinated loans

Laporan Laba Rugi dan Penghasilan Komprehensif Lain

Statement of Profit or Loss and Other Comprehensive Income

Pendapatan bunga 702.802 910.162 895.663 Interest income

Beban bunga (337.731) (474.122) (415.567) Interest expense

Pendapatan operasional lainnya 85.125 92.194 123.964 Otehr operating income

Beban operasional lainnya (778.465) (807.673) (557.299) Other operating expense

Beban kerugian penurunan nilai atas aset keuangan (607.474) (456.586) (27.064)

Provision for impairement losses on financial assets

Laba operasional (935.743) (736.025) 19.697 Income from operations

Pendapatan/Beban non operasional netto 98.917 40.333 14.494 Non-operating income/expense - net

Beban pajak netto - (8.547) (32.686) Income tax expenses – net

Laba/rugi tahun berjalan (836.826) (704.239) 1.505 Income/loss for the year

Rasio Keuangan Financial Ratios

Kewajiban Penyediaan Modal Minimum (KPMM) 42,03% 15,19% 22,06% Capital Adequacy Ratio (CAR)

Non Performing Loans (NPL) – Bruto 29,25% 5,82% 2,45% Non Performing Loans (NPL) – Gross

Non Performing Loans (NPL) – Netto 8,73% 2,54% 1,46% Non Performing Loans (NPL) – Net

Return on Assets (ROA) (7,34%) (5,30%) 0,30% Return on Assets (ROA)

Return on Equity (ROE) (65,11%) (44,69%) 0,09% Return on Equity (ROE)

Net Interest Margin (NIM) 2,71% 2,73% 3,58% Net Interest Margin (NIM)

Loan to Deposit Ratio (LDR) 1.873,71% 139,96% 104,65% Loan to Deposit Ratio (LDR)

Liquidity Coverage Ratio – Individual (LCR) 138,11% 140,84% 209,02% Liquidity Coverage Ratio – Individual (LCR)

Jumlah karyawan pekerja penuh (orang) 422 612 722 Total of full-time employees (person)

Dalam jutaan Rupiah | in millions of Rupiah

Angka dalam tabel ini ditulis menurut tata bahasa Indonesia dimana penggunaan titik dan koma berlawanan penggunaannya dalam bahasa Inggris.

Figures in the table are written according to the Indonesian grammar where full stops and commas are reversed in English grammar.

Ikhtisar KeuanganFinancial Highlights

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Peristiwa Penting 2019Event Highlights 2019

23 Januari Partisipasi Rabobank Indonesia dalam Aquaculture Innovation ChallengeRabobank Indonesia, diwakili oleh Tim Komersial Bank dan Rabo Foundation, berpartisipasi dalam acara pembukaan Aquaculture Innovation Challenge 2019 di Double Tree Hotel Jakarta. Acara ini menghadirkan perusahaan-perusahaan start-up, organisasi riset terkemuka, dan juga perwakilan pemerintah. Aquaculture Innovation Challenge berlangsung dari Maret hingga Juli 2019 dan Rabo Foundation menjadi bagian dari tim juri.

6 April Town Hall Meeting ISeluruh karyawan Bank menghadiri dan mengikuti sosialisasi dan arahan terkini dari Manajemen Bank dalam acara Town Hall Meeting yang diadakan secara serentak di The Westin Hotel Jakarta, Grand Aston Hotel Medan, Po Hotel Semarang, dan JW Marriott Hotel Surabaya.

20 Februari Penghargaan ‘10 Years Appreciation Customer Loyalty Award’Rabobank Indonesia menerima Penghargaan “10 Years Appreciation Customer Loyalty Award” dari Jaringan Prima. Jaringan Prima merupakan perusahaan penyedia layanan switching dan komunikasi di Indonesia bagi jaringan ATM, EDC, internet banking, dan mobile banking. Penghargaan diberikan oleh Direktur Pemasaran Jaringan Prima, Suryono Hidayat, kepada Wakil Presiden Direktur Rabobank Indonesia, Soemenggrie Jongkamto di Kantor Pusat Bank.

18 Mei Lokakarya Branch Operation Head (BOH) Fase IUntuk mempersiapkan kelancaran dalam proses penutupan cabang Bank, Lokakarya BOH Fase I dilaksanakan di All Seasons Hotel Jakarta, dengan tujuan mempersiapkan, melengkapi, dan melatih BOH dengan poin-poin penting yang harus dilakukan sebelum, pada, dan setelah proses penutupan cabang.

6 Maret Hari Perempuan Internasional - Diskusi Kesehatan: “Nutrisi Seimbang”Sebagai bagian dari Program Keragaman Rabobank dan untuk merayakan Hari Perempuan Internasional, Bank mengadakan Diskusi Kesehatan: “Nutrisi Seimbang” di kantor pusat dengan Dr. Francesca Kwan, Sp.GK, ahli gizi dari Rumah Sakit MRCCC Siloam sebagai pembicara dan dihadiri oleh karyawan wanita Bank.

January 23Rabobank Indonesia Participation in Aquaculture Innovation ChallengeRabobank Indonesia, represented by the Bank’s Commercial Team and Rabo Foundation, participated in the Aquaculture Innovation Challenge 2019 kick-off ceremony in Double Tree Hotel Jakarta. The event featured the industry’s leading start-ups, research organization, as well as government representatives. The Aquaculture Innovation Challenge took place from March until July 2019 and the Bank’s Rabo Foundation was part of the jury team.

April 6Town Hall Meeting IAll the Bank’s employees attendeded and participated for a socialization and an updated direction from the Bank’s Management in the Town Hall Meeting held simultaneously at The Westin Hotel Jakarta, Grand Aston Hotel Medan, Po Hotel Semarang, and JW Marriott Hotel Surabaya.

February 20 10 Years Appreciation Customer Loyalty Award

Rabobank Indonesia received a 10 Years Appreciation Customer Loyalty Award from Jaringan Prima (Prima Network). Prima Network is a switching and communication services provider company in Indonesia for ATM networks, EDC, internet banking, and mobile banking. The award was given by Marketing Director of Prima Network, Suryono Hidayat, to Vice President Director of Rabobank Indonesia, Soemenggrie Jongkamto at the Bank’s Head Office.

May 18 Branch Operation Head (BOH) Workshop Phase ITo prepare for the smoothness in the Bank’s branch closure process, the BOH Workshop Phase I was held at All Seasons Hotel Jakarta, with the objective of preparing, equipping, and training the BOH with important points that must be done before, on, and after the branch closure processes.

March 6 International Women’s Day - Health Talk: “Balanced Nutrients”As a part of Rabobank Diversity Program and to celebrate International Women’s Day, the Bank held a Health Talk: “Balanced Nutrients” at the head office with Dr. Francesca Kwan, Sp.GK, a nutritionist from MRCCC Siloam Hospital as a speaker and participated by the Bank’s women employees.


30 JuniPelepasan Karyawan Fase ISejalan dengan proses penutupan operasi Bank, dilakukan pelepasan karyawan sebanyak 20 karyawan tetap dan sesuai dengan ketentuan yang disepakati bersama antara Bank dan karyawan.

29 JuliPenutupan Kantor Cabang Fase 1ASebanyak 10 Kantor Cabang/Cabang Pembantu Bank pada Fase 1A efektif telah ditutup, yaitu Kantor Cabang/Cabang Pembantu: Jakarta - Cipinang, Jakarta - Muara Karang, Jakarta - Gading Serpong, Jogyakarta - Diponegoro, Lampung - Metro, Lampung - Teluk Betung, Magelang - Tentara Pelajar, Malang - Semeru, Surabaya - Kembang Jepun, Jember - Johar Baru.

June 30 Employee Release Phase IIn line with the process of winding down Bank’s operations, 20 permanent and contract-basis employees were released and in accordance with the mutual agreement between the Bank and employees.

July 29 The Branch Office Closure Phase 1AA total of 10 Branch/Sub-Branch Offices of the Bank in Phase 1A have effectively been closed, namely Branch/Sub-Branch Offices: Jakarta - Cipinang, Jakarta - Muara Karang, Jakarta - Gading Serpong, Jogyakarta - Diponegoro, Lampung - Metro, Lampung - Teluk Betung, Magelang - Tentara Pelajar, Malang - Semeru, Surabaya - Kembang Jepun, Jember - Johar Baru.

9 September Penutupan Kantor Cabang Fase 1BSebanyak 10 Kantor Cabang/Cabang Pembantu Bank pada Fase 1B efektif telah ditutup, yaitu Kantor Cabang/Cabang Pembantu: Jakarta - Krekot, Jakarta - Jatinegara, Jakarta - Perniagaan, Jakarta - Palmerah, Jakarta - Kelapa Gading, Karawang - Tuparev, Cirebon - Karang Getas, Kudus - Ahmad Yani, Medan - Asia, Surabaya - HR Muhammad.

27 September Lokakarya Branch Operation Head (BOH) Fase IISeluruh Branch Manager (BM) dan Branch Operation Head (BOH) Rabobank Indonesia mengikuti Lokakarya BOH Fase II beserta dengan Tim Proyek Penutupan Kantor Cabang Fase 2A di Aston Sentul Lake Resort, Bogor. Lokakarya ini membahas berbagai kebutuhan yang diperlukan, hasil yang diharapkan selama masa proses penutupan kantor cabang, dan evaluasi dari penutupan cabang Fase 1A dan 1B sebelumnya.

28-29 September Town Hall Meeting IISeluruh karyawan Bank menghadiri dan mengikuti sosialisasi dan arahan terkini dari Manajemen Bank dalam acara Town Hall Meeting yang diadakan di Aston Sentul Lake Resort, Bogor.

30 September Pelepasan Karyawan Fase IISejalan dengan proses penutupan operasi Bank, dilakukan pelepasan karyawan sebanyak 94 karyawan tetap dan sesuai dengan ketentuan yang disepakati bersama antara Bank dan karyawan.

September 9The Branch Office Closure Phase 1BA total of 10 Branch/Sub-Branch Offices of the Bank in Phase 1B have effectively been closed, namely Branch/Sub-Branch Offices: Jakarta - Krekot, Jakarta - Jatinegara, Jakarta - Perniagaan, Jakarta - Palmerah, Jakarta - Kelapa Gading, Karawang - Tuparev, Cirebon - Karang Getas, Kudus - Ahmad Yani, Medan - Asia, Surabaya - HR Muhammad.

September 27Branch Operation Head (BOH) Workshop Phase IIAll Rabobank Indonesia Branch Managers and Branch Operations Head participated in the BOH Workshop Phase II along with the Branch Office Closing Project Team Phase 2A at Aston Sentul Lake Resort, Bogor. This workshop discussed the various requirements needed, the expected results during the branch office closure process, and the evaluation of the previous branch closure Phase 1A and 1B.

September 28-29Town Hall Meeting IIAll the Bank’s employees attendeded and participated for a socialization and an updated direction from the Bank’s Management in the Town Hall Meeting held at Aston Sentul Lake Resort, Bogor.

September 30Employee Release Phase IIIn line with the process of winding down Bank’s operations, 94 permanent and contract-basis employees were released and in accordance with the mutual agreement between the Bank and employees.


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11 Desember Penandatanganan CSPA antara Rabobank Group dan BCARabobank Group telah mencapai sebuah kesepakatan dengan PT Bank Central Asia Tbk (BCA) yang ditandai dengan penandatanganan Perjanjian Jual Beli Bersyarat (Conditional Sale and Purchase Agreement / CSPA).

26 November Penandatanganan Akta Penyerahan Piutang (Cessie)Rabobank Indonesia dan PT Murni Aldana Manajemen menandatangani Akta Penyerahan Piutang (Cessie), dimana seluruh hak-hak, kepemilikan, manfaat, dan bunga pada dan terhadap pinjaman-pinjaman nasabah termasuk hak atas piutang-piutang telah dipindahtangankan oleh Rabobank Indonesia pada PT Murni Aldana Manajemen.

11 Desember Town Hall Meeting IIISeluruh karyawan Bank menghadiri dan mengikuti sosialisasi dan arahan terkini dari Manajemen Bank dalam acara Town Hall Meeting yang diadakan di kantor pusat dan serentak bersama seluruh cabang melalui melalui konferensi video.

27 November Penutupan Kantor Cabang Fase 2ASelain penutupan Kantor Cabang Batam, sebanyak 6 Kantor Cabang/Cabang Pembantu Bank lainnya pada Fase 2A efektif telah ditutup, yaitu Kantor Cabang/Cabang Pembantu: Pekanbaru, Palembang, Pontianak, Makassar, Solo, Jakarta - Mega Kuningan.

31 Desember Pelepasan Karyawan Fase IIISejalan dengan proses penutupan operasi Bank, dilakukan pelepasan karyawan sebanyak 166 karyawan tetap dan sesuai dengan ketentuan yang disepakati bersama antara Bank dan karyawan.

December 11Signing of the CSPA between Rabobank Group and BCAThe Rabobank Group have reached an agreement with PT Bank Central Asia Tbk (BCA), marked by the signing of a Conditional Sale and Purchase Agreement (CSPA).

November 26Signing of the Deed of Receivables Assignment (Cessie)Rabobank Indonesia and PT Murni Aldana Manajemen signed the Deed of Receivables Assignment (Cessie), where all of the rights, ownership, benefit and interest in and to the customers’ loans including the receivables, have transferred through Rabobank Indonesia to PT Murni Aldana Manajemen.

December 11Town Hall Meeting IIIAll the Bank’s employees attendeded and participated for a socialization and an updated direction from the Bank’s Management in the Town Hall Meeting held at the head office and simultaneously with all branches via video conference.

November 27The Branch Office Closure Phase 2AIn addition to the Batam Branch Office closure, a total of 6 Branch/Sub-Branch Offices of the Bank in Phase 2A have effectively been closed, namely Branch/Sub-Branch Offices: Pekanbaru, Palembang, Pontianak, Makassar, Solo, Jakarta - Mega Kuningan.

December 31Employee Release Phase IIIIn line with the process of winding down Bank’s operations, 166 permanent and contract-basis employees were released and in accordance with the mutual agreement between the Bank and employees.

19 November Penutupan Kantor Cabang Fase 2A (khusus Batam)Penutupan Kantor Cabang pada Fase 2A dimulai dengan penutupan 1 Kantor Cabang Bank efektif per tanggal 19 November 2019 yaitu Kantor Cabang Batam.

November 19The Branch Office Closure Phase 2A (Specifically for Batam)The Branch Office closure in Phase 2A started with the closure of 1 Branch Office of the Bank effectively as of November 19, 2019 namely the Batam Branch Office.


Laporan Dewan KomisarisBoard of Commissioners’ Report

Jan Alexander PruijsPresiden Komisaris President Commissioner

Kepada Para Pemegang Saham dan Pemangku Kepentingan yang Terhormat,

Atas nama Dewan Komisaris, kami sampaikan bahwa pada tahun 2019, terdapat perubahan arah strategi Bank di Indonesia sejalan dengan strategi global Rabobank Group selaku pemegang saham pengendali Bank yang terarah pada visi Banking for Food, dimana Rabobank secara global akan berkonsentrasi pada rantai-pasok Food and Agriculture (F&A). Sehingga, struktur bisnis yang berada di luar Belanda akan lebih berfokus pada Wholesale Banking dan tidak lagi pada Retail Banking. Untuk itu, setelah melalui pertimbangan yang matang, Rabobank Group memutuskan untuk menutup Rabobank Indonesia secara bertahap dan mengembalikan izin perbankan kepada Otoritas Jasa Keuangan (OJK).

Dewan Komisaris dalam hal ini menjalankan fungsi pengawasannya atas keseluruhan proses penutupan dan penghentian operasional Bank yang dilakukan Direksi. Sepanjang tahun 2019, fokus utama kami adalah berkerjasama secara aktif dengan Regulator terkait keputusan tersebut, dan mulai menjalankan langkah-langkah yang diperlukan berdasarkan arahan dan supervisi dari otoritas. Komitmen kami adalah untuk memastikan keseluruhan proses transisi ini berjalan dengan baik dan lancar dengan memberikan dukungan penuh bagi seluruh pihak terkait selama proses ini berjalan, dengan senantiasa patuh pada peraturan yang berlaku.

Dewan Komisaris menilai Direksi telah melakukan langkah-langkah penutupan dan penghentian operasional Bank secara bertahap sesuai dengan yang ditargetkan di tahun 2019. Selama proses berlangsung, Dewan Komisaris juga dibantu oleh beberapa komite di bawahnya antara lain Komite Audit, Komite Pemantau Risiko dan Kepatuhan, Komite Remunerasi dan Nominasi, serta Komite Good Corporate Governance yang turut memberikan masukan dan rekomendasi untuk memastikan keseluruhan proses berjalan dengan lancar.

Dear Honored Shareholders and Stakeholders,

On behalf of the Board of Commissioners, we share with you that in 2019, there was a change on the Bank’s strategy in Indonesia that was fully in line with Rabobank Group’s global strategy as the Bank’s controlling shareholder towards its vision of Banking for Food, which focusing internationally on Food and Agriculture (F&A) supply-chain. In support of this focus, the business structure outside the Netherlands will be Wholesale Banking, rather than Retail Banking. Therefore, after due consideration, Rabobank group has decided to close down Rabobank Indonesia in phase and return the banking license to Financial Services Authority (Otoritas Jasa Keuangan / OJK).

The Board of Commissioners performed its supervisory tasks on the overall process of the Bank’s operations winding down and cease process taken by the Board of Directors. Throughout 2019, our main focus was to actively liaising with the Regulators with regard to this decision, and started taking the necessary steps based on the direction and supervision by the authorities. Our commitment is to ensure that the transition process runs well and smoothly by providing our full support to all stakeholders throughout the process while ensuring compliance with existing regulations.

The Board of Commissioners assessed that the Board of Directors had taken the Bank’s operations closure and cease process in phase based on the target set in 2019. Throughout the process, the Board of Commissioners was also assisted by committees under its supervision including Audit Committee, Risk Monitoring and Compliance Committee, Remuneration and Nomination Committee, and Good Corporate Governance Committee who also provided input and recommendations to ensure the overall process runs well.

13

Sebagai hasil dari proses penutupan yang terus berlanjut, hingga akhir tahun 2019, Bank memiliki 6 (enam) kantor cabang dari 33 (tiga puluh tiga) kantor cabang pada awal tahun 2019. Portofolio dan aset-aset yang dimiliki Bank juga terbilang sudah lebih ramping, dan tetap pada rencana untuk dapat menghentikan seluruh operasional Bank pada Juni 2020. Situasi ini menarik sejumlah pihak yang kemudian berdiskusi dengan para pemegang saham, dan setelah melalui pembicaraan yang intensif, Rabobank Group percaya bahwa menjual sahamnya adalah langkah yang sejalan dan komplementer dengan proses penutupan Bank. Pada tanggal 11 Desember 2019, PT Bank Central Asia Tbk (“BCA”) dan Rabobank Group menandatangani perjanjian jual beli bersyarat untuk BCA mengakuisisi saham mayoritas Rabobank Indonesia dari Rabobank Group, dengan persetujuan OJK. Sebagai salah satu bank terbesar di Indonesia, BCA memiliki rekam jejak yang baik dengan nilai-nilai integritas dan fokus Nasabah yang serupa dengan Rabobank. Dalam hal ini, proses penghentian operasional Bank akan tetap berjalan sebagaimana yang telah direncanakan dan Bank selaku bagian dari Rabobank Group berkomitmen untuk menjalankan segala keputusan, arahan, dan strategi bisnis dari seluruh pemegang saham ke depannya.

Atas nama Dewan Komisaris, kami mengucapkan terima kasih yang sebesar-besarnya kepada para karyawan atas kerja keras dan dedikasinya selama ini sehingga Bank dapat meraih pencapaian yang luar biasa selama hampir 3 (tiga) dekade perjalanannya di Indonesia. Kami juga mengucapkan terima kasih kepada Direksi atas komitmen dan kinerjanya selama ini dan kepada seluruh Komite di bawah Dewan Komisaris atas segala masukan yang telah diberikan kepada Dewan Komisaris selama ini.

Kami juga mengucapkan terima kasih kepada Bank Indonesia dan OJK, atas arahan, bimbingan dan supervisinya kepada Bank. Kami juga memberikan apresiasi tertinggi kepada para Nasabah setia atas kepercayaannya dan dukungannya selama ini kepada kami serta kepada seluruh mitra bisnis kami yang telah memberikan dukungan kepada kami. Dukungan dan kepercayaan Anda selama ini sangat berarti bagi kami dalam perjalanan kami berkiprah menjadi bank pangan dan agribisnis yang kokoh dan kuat di Indonesia. Ke depannya, Rabobank Group akan tetap berkomitmen kepada sektor F&A di Indonesia dengan melanjutkan kerjasama dengan para nasabah Wholesale. Rencana yang ada saat ini adalah untuk tetap hadir melalui keberadaan Rabobank Foundation dan terus menjajaki peluang untuk Rabo Development, serta terus mengembangkan peluang-peluang di bidang F&A lainnya.

As a result of the continued winding down process, until the end of 2019, the Bank has 6 (six) branch offices from 33 (thirty-three) branch offices in early 2019. The Bank also has a considerably leaner portfolio and assets, and remains on track to reach the foal to cease operations by June 2020. These circumstances attracted a number of interested parties who then held discussions with our controlling shareholders, and after intense discussions and deliberation considering the interest of all stakeholders, the Rabobank Group believes that selling its shares is complementary to the winding down process of the Bank. On December 11, 2019, PT Bank Central Asia Tbk (“BCA”) and Rabobank Group signed a conditional sale and purchase agreement for BCA to acquire the majority shares of Rabobank Indonesia from Rabobank Group, subject to OJK approval. As one of the largest banks in Indonesia, BCA brings a strong track record with similar values of integrity and customer focus as Rabobank. Due to this matter, the Bank’s cease operations process will stick to the plan and the Bank as part of Rabobank Group is committed to comply with the decisions, directions and business strategies of the shareholders in the future.

On behalf of the Board of Commissioners, we extend our warmest appreciation to all employees for their hard work and dedication to ensure the Bank in achieving an outstanding performance for almost 3 (three) decades of its journey in Indonesia. We also express our gratitude to the Board of Directors on their commitment and performance so far, and also to all Committees under the supervision of the Board of Commissioners for all the inputs given to the Board of Commissioners so far.

We also extend our sincere gratitude to Bank Indonesia and OJK, on their guidance and assistance to the Bank. We also extend our highest appreciation to the loyal Customers for their trust and support to us as well as to our business partners for the continuous support given to us. Your support and trust have been important to us throughout our journey in serving as a solid and strong food and agribusiness bank in Indonesia. In the future, Rabobank Group remains committed to the F&A sector in Indonesia by maintaining partnership with our Wholesale clients. The current plan includes maintaining the presence of Rabobank Foundation, continuing to explore opportunities for Rabo Development, as well as targeting other F&A specific opportunities.


Kami senantiasa berkomitmen untuk melaksanakan keseluruhan proses transisi ini secara baik, terhormat dan profesional, kepada karyawan kami, para klien, dan para regulator yang berwenang. Sehingga, kita akan berhasil melewati garis akhir untuk melakukan semuanya secara terkontrol dan terkendali.

We are committed to executing this whole process in a diligent, respectful and professional manner, in relation to our employees, our clients and the regulatory authorities. Therefore, we will successfully cross the finish line and ensure that we do everything in a controlled and diligent manner.

Atas nama Dewan Komisaris,On behalf of the Board of Commissioners,

Jan Alexander PruijsPresiden Komisaris

President Commissioner

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Laporan DireksiBoard of Directors’ Report

Kepada Para Pemegang Saham dan Pemangku Kepentingan yang Terhormat,

Atas nama Direksi, kami menyampaikan bahwa tahun 2019 merupakan tahun yang berat bagi Bank sebagaimana keputusan yang telah diambil oleh Rabobank Group selaku pemegang saham pengendali Bank untuk menghentikan aktivitas dan menutup operasional Bank di Indonesia hingga pertengahan 2020. Keputusan tersebut merupakan imbas dari perubahan strategi global Rabobank Group yang juga berdampak langsung pada seluruh kantor Rabobank di dunia. Rabobank Group ingin memfokuskan bisnisnya pada rantai-pasok Food and Agriculture (F&A) khususnya Wholesale Banking menuju pencapaian visi Banking for Food. Beberapa kantor Rabobank yang sudah atau sedang dalam proses penutupan antara lain adalah Rabobank di Irlandia, Polandia, dan Amerika Utara.

Proses penutupan dan penghentian operasi Bank dilakukan secara bertahap hingga Juni 2020 dan mengacu pada arahan dari regulator dan otoritas serta peraturan yang berlaku. Kami juga terus melakukan koordinasi internal melalui beberapa Workstream dan lokakarya Branch Operation Head (BOH) dengan tujuan mempersiapkan, melengkapi, dan melatih BOH terkait proses penutupan cabang dan memastikan keseluruhan proses transisi berjalan lancar dengan selalu memperhatikan kepentingan para nasabah.

Di sepanjang tahun 2019, Bank telah melakukan penutupan kantor cabang dalam 3 (tiga) fase yakni fase 1A dimana terdapat 10 (sepuluh) Kantor Cabang/Cabang Pembantu Bank yang efektif telah ditutup pada tanggal 29 Juli 2019, fase 1B dimana terdapat 10 (sepuluh) Kantor Cabang/Cabang Pembantu Bank yang efektif telah ditutup pada tanggal 9 September 2019, dan fase 2A dimana terdapat 1 (satu) Kantor Cabang yang efektif telah ditutup pada tanggal 19 November 2019 dan 6 (enam) Kantor Cabang/Cabang Pembantu Bank yang efektif telah ditutup pada tanggal 27 November 2019. Sehingga total dari 33 Kantor Cabang/Cabang Pembantu yang dimiliki Bank pada awal 2019, terdapat 6 (enam) Kantor Cabang yang masih beroperasional dalam proses penutupan.

Dear Honored Shareholders and Stakeholders,

On behalf of the Board of Directors, we share with you that 2019 was a tough year for the Bank as the decision made by Rabobank Group as the Bank’s controlling shareholder to cease the activities and winding down the Bank’s operations in Indonesia until the mid of 2020. Such decision was a result of Rabobank Groups’ global strategy change that also directly impacted to all Rabobank offices in the world. Rabobank Group aimed to focus its business on Food and Agriculture (F&A) supply chain especially Wholesale Banking to achieve its vision of Banking for Food. Some Rabobank offices that had been or in cease process were Rabobank in Ireland, Poland, and North America.

The winding down and cease operation process of the Bank was taken in phase until June 2020 and complies to the guidance from regulators and authorities as well as prevailing regulations. We also continuously conducting internal coordination through Workstreams and Branch Operation Head (BOH) workshop to prepare, complete and train related BOH concerning the cease process of the branch offices as well as ensuring the overall transition process runs well by taking into account the interest of customers.

Throughout 2019, Bank has closed its branch offices into 3 (three) phases consisting phase 1A which there were 10 (ten) Branch/Sub-Branch Offices that were effectively closed on July 29, 2019, phase 1B which there were 10 (ten) Branch/Sub-Branch Offices that were effectively closed on September 9, 2019, and phase 2A which there were 1 (one) Branch Office that was effectively closed on November 19, 2019 and 6 (six) Branch/Sub-Branch Offices that were effectively closed on November 27, 2019. Therefore out of 33 Branch/Sub-Branch Offices owned by the Bank on early 2019, there are 6 (six) Branch Offices that remained on operational and on its closing process.

Soemenggrie Jongkamto*Pjs. Presiden Direktur Act. President Director


Proses pelepasan karyawan juga dilakukan secara bertahap yakni fase 1 sebanyak 20 karyawan pada tanggal 30 Juni 2019, fase 2 sebanyak 94 karyawan pada tanggal 30 September 2019, dan fase 3 sebanyak 166 karyawan pada tanggal 31 Desember 2019. Sehingga total pelepasan karyawan di tahun 2019 berjumlah 280 karyawan.

Dari aspek perampingan indikator keuangan, pada tahun 2019 Bank mencatatkan jumlah aset yang telah turun sebanyak 83,28% dari Rp13,82 triliun di tahun 2018 menjadi Rp2,31 triliun.

Secara keseluruhan, dapat kami sampaikan bahwa proses penutupan dan penghentian operasional Bank sudah berjalan sebagaimana yang telah ditargetkan. Menjelang akhir tahun 2019, proses penutupan dan manajemen risiko yang tertata dengan baik dari Rabobank Indonesia telah menarik perhatian sejumlah pihak yang kemudian berdiskusi dengan Rabobank Group selaku pemegang saham pengendali. Melalui berbagai diskusi, telah dicapai kesepakatan dengan PT Bank Central Asia Tbk (“BCA”), yang, dengan tunduk pada persetujuan dari Otoritas Jasa Keuangan (OJK), akan menjadi pemegang saham pengendali baru pada tahun 2020.

Sudah bertahun-tahun Rabobank Indonesia telah bertumbuh dan berkembang bersama para Nasabah, mitra, dan seluruh karyawan. Kini kita telah mendekati akhir dari bagian ini dan garis akhir sudah semakin terlihat. Tugas untuk menghentikan aktivitas bank ini ada pada kita. Mandat ini adalah tugas terakhir yang harus diselesaikan sebaik-baiknya dan setuntasnya dan menjadi tanggung jawab kita bersama, demi menjaga nama dan sejarah pencapaian yang kita buat bersama di Indonesia.

Atas nama Direksi, kami mengucapkan terima kasih kepada para Nasabah atas kepercayaan dan dukungannya selama ini kepada Bank, peran Anda sangat berarti bagi perjalanan kami untuk menjadi bank pangan dan agribisnis di Indonesia. Kami juga mengucapkan terima kasih kepada regulator OJK dan Bank Indonesia atas arahan dan bimbingannya kepada kami sehingga keseluruhan proses transisi dapat berjalan dengan baik. Kami juga memberikan apreasiasi kepada para pemegang saham atas dukungannya kepada Bank selama ini dan juga kepada Dewan Komisaris serta komite-komite atas segala nasihat dan arahannya kepada Direksi dalam menjalankan pengelolaan Bank selama ini, serta kepada jajaran manajemen atas komitmen dan dedikasi yang diberikan kepada Bank. Tak lupa kami sampaikan pula terima kasih

The employees releasing process was also taken in phases comprising of phase 1 with 20 employees released on June 30, 2019, phase 2 with 94 employees released on September 30, 2019, and phase 3 with 166 employees released on December 31, 2019. Therefore in total there were 280 employees released in 2019.

From leaning financial indicator aspect, Bank recorded total assets that decreased by 83.28% from Rp13.82 trillion in 2018 to Rp2.31 trillion in 2019.

In general, we report to you that the Bank’s winding down and cease process had been running well and on the track as its target. Welcoming the end of 2019, the well-planned cease process and risk management from Rabobank Indonesia has attracted attention from several parties that further discussed with Rabobank Group as the controlling shareholder. After several discussions, an agreement has been made with PT Bank Central Asia Tbk (“BCA”), that complies with the approval from Financial Services Authority (Otoritas Jasa Keuangan / OJK), will become the new controlling shareholder of the Bank in 2020.

For many of years Rabobank Indonesia had been growing together with our valued customers, partners, and all its employees. We are now nearing the end of this chapter with the finish line in sight. The duties to cease the activities of this bank are on us. This mandate is the last duties that must be completed well and become our responsibilities, for the sake of our presence, track records and achievements that had been made together in Indonesia.

On behalf of the Board of Directors, we express our gratitude to the Customers on the trust and support given so far to the Bank, your support matters for our journey to become a food and agribusiness bank in Indonesia. We would like also to express our gratitude to regulators, OJK and Bank Indonesia on the direction and assistance given to us so the overall transition process could run well. We also convey our appreciation to all shareholders on the support given to the Bank and also to the Board of Commissioners and its committees on the advice and guidance given to the Board of Directors in managing the Bank so far, as well as to the board of management on the commitment and dedication given to the Bank. We also convey our gratitude and highest appreciation to all employees on the hard work, determination, enthusiasm

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dan apresiasi yang tertinggi kepada seluruh karyawan atas kerja keras, tekad, semangat dan dedikasinya kepada Bank selama ini. Seluruh dukungan, kepercayaan serta kerja keras Anda memacu kami untuk terus memberikan dan mengupayakan yang terbaik bagi Anda semua hingga garis akhir perjalanan kami.

and dedication for the Bank throughout these years. All of your support, trust and hard work had driven us to continuously give and try our best to serve you all until the finish line of our journey.

Atas nama Direksi,On behalf of the Board of Directors,

Soemenggrie Jongkamto*Pjs. Presiden Direktur

Act. President Director



Profil ManajemenManagement Profile

Jan Alexander Pruijs (Sander Pruijs) menjadi Presiden Komisaris Rabobank Indonesia sejak Agustus 2014. Saat ini ia adalah Global Head of Rural & Retail Banking dari Rabobank yang juga bertanggung jawab atas aktivitas perbankan di Australia, Selandia Baru, Chile, Brazil, Irlandia, Amerika Utara, dan Indonesia.

Beliau memiliki lebih dari 30 tahun pengalaman sebagai bankir. Beliau memulai karier perbankannya pada tahun 1984 di ABN Amro Bank, Belanda, dan kemudian menempati berbagai posisi senior dalam bidang nasabah global, perbankan korporasi dan investasi, manajemen risiko dan financial markets. Ia mulai berkarya di Rabobank tahun 2008 sebagai anggota Managing Board dari Rabobank International yang bertanggung jawab atas Asia, Australia, Selandia Baru, dan kemudian Polandia.

Beliau meraih gelar Master dalam hukum bisnis dari Universitas Leiden, Belanda. Pada tahun 2013 ia berhasil menyelesaikan Advanced Management Program di Harvard Business School dengan baik.

Jan Alexander Pruijs (Sander Pruijs) has served as President Commissioner of Rabobank Indonesia since August 2014. He is currently Global Head of Rural and Retail Banking of Rabobank, which includes responsibility for banking activities in Australia, New Zealand, Chile, Brazil, Ireland, North America, and Indonesia.

He has more than 30 years of experience as a banker. He started his banking career in 1984 at ABN Amro Bank, the Netherlands, and assumed a number of senior positions in the areas of Global Clients, Corporate and Investment Banking, Risk Management and Financial Markets. He joined Rabobank in 2008 as a member of the Managing Board of Rabobank International responsible for Asia, Australia and New Zealand, and later for Poland.

He holds a Master’s degree in business law from Leiden University, the Netherlands. In 2013 he successfully completed the Advanced Management Program at Harvard Business School.

Jan Alexander PruijsPresiden Komisaris President Commissioner

Profil Dewan KomisarisBoard of Commissioners’ Profile

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Hendrik Adams (Henk Adams) adalah Komisaris Independen dari Rabobank Indonesia. Sebelumnya ia bekerja 50 tahun di Rabobank Group dan menempati berbagai posisi di Belanda dan di luar Belanda. Ia memulai kariernya di salah satu bank anggota Rabobank di Belanda dengan posisi terakhir sebagai General Manager.

Beliau kemudian bekerja untuk Rabobank International di berbagai benua. Antara lain, ia merintis dan mengelola kehadiran Rabobank di Indonesia tahun 1986-1992 dan kemudian bertugas di Hong Kong, Polandia, Turki sebagai Country Manager yang bertanggung jawab untuk merintis dan mengelola kehadiran Rabobank di negara-negara tersebut.

Pada tahun 2002, beliau ditugaskan ke New York sebagai Managing Director Corporate Development untuk Amerika Utara, di mana ia mengawasi dimulainya aktivitas perbankan ritel Rabobank di kawasan tersebut. Beliau memiliki, antara lain, gelar Bachelor dalam akuntansi dan administrasi niaga (SPD I+II) dan sertifikat dari NIBE (Dutch Institute for Banking and Securities).

Hendrik Adams (Henk Adams) is an Independent Member of Rabobank Indonesia. He worked 50 years for Rabobank Group, holding a number of positions in and outside the Netherlands. He started his career with one of Rabobank’s local banks in the Netherlands, where his final position was that of General Manager.

He subsequently worked for Rabobank International across different continents. Among others, he established and managed Rabobank’s presence in Indonesia from 1986- 1992, moving on to Hong Kong, Poland and Turkey, as Country Manager and was responsible for establishing and managing Rabobank’s presence in those countries.

In 2002, he moved to New York as the Managing Director Corporate Development for North America, to oversee the start-up of Rabobank’s retail banking activities in the region. He holds, among others, a Bachelor’s degree in accounting and business administration (SPD I+II) and a certificate from NIBE (Dutch Institute for Banking and Securities).

Hendrik AdamsKomisaris Independen Independent Commissioner




Widiyarto Sumitro diangkat sebagai Komisaris Rabobank Indonesia pada bulan Januari 2010 dan menjadi Komisaris Independen sejak Mei 2013. Beliau memperoleh gelar MBA dari Institut Pengembangan Manajemen Indonesia (IPMI).

Widiyarto memulai kariernya sebagai Ajun Akuntan pada Kantor Akuntan Negara Cirebon, Direktorat Jendral Pengawasan Keuangan Negara, Departemen Keuangan. Ia kemudian menempati berbagai posisi di bidang keuangan dan perbankan, antara lain, Kepala Divisi di Bank Duta, Managing Director di DIFC Hong Kong, dan Direktur Operasi pada PT Rabo Finance Indonesia. Pada tahun 2001 ia mulai berkarier di Rabobank Indonesia menjabat sebagai SVP Head of Operations dan kemudian tahun 2005 menjadi Direktur Operasi hingga tahun 2008.

Saat ini ia juga aktif sebagai dosen di program MM/MBA Eksekutif, Reguler, dan Investment Banking di Institut Pengembangan Manajemen Indonesia (IPMI) dan program MM Eksekutif di Binus Business School.

Widiyarto Suwarto Sumitro was appointed as Rabobank Indonesia Commissioner in January 2010, and became an Independent Commissioner in May 2013. He holds an MBA from Institut Pengembangan Manajemen Indonesia.

Widiyarto started his career in Cirebon as an Adjunct Accountant at the State Accountant Office, Directorate General of Financial Supervision, Ministry of Finance. He later held a number of positions in finance and banking, which include Division Head at Bank Duta, Managing Director at DIFC Hong Kong, and Director of Operations at PT Rabo Finance Indonesia. In 2001 he joined Rabobank Indonesia as SVP Head of Operations and held the position of Director of Operations from 2005 to 2008.

Currently he is also a lecturer at the Executive, Regular, and Investment Banking MM/MBA programs at IPMI (Institut Pengembangan Manajemen Indonesia) as well as the MM Executive program of Binus Business School.

Widiyarto Suwarto SumitroKomisaris Independen Independent Commissioner

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Profil DireksiBoard of Directors’ Profile

Soemenggrie Jongkamto bergabung dengan Rabobank Indonesia pada bulan Desember 2017 dan diangkat sebagai sebagai Wakil Presiden Direktur pada tanggal 21 Maret 2018 dan juga menjabat sebagai Direktur Keuangan (Chief Financial Officer).

Dalam lebih dari 33 tahun berkarir, pengalaman beliau di industri perbankan dan jasa keuangan dimulai pada tahun 1991 sebagai Chief Financial Officer di Bank of America, kemudian beliau melanjutkan karir di Chase Manhattan Bank dari 1995 – 2001 sebagai Chief Financial Officer. Dari 2001 ke 2007, bergabung dengan JP Morgan dengan jabatan terakhir sebagai Branch Manager selanjutnya sebagai Chief Financial Officer dari 2007-2010 dilanjutkan dengan The Royal Bank of Scotland dari 2010-2016, lalu bergabung dengan Rabobank Indonesia. Beliau meraih gelar Sarjana Akuntansi dari Universitas Trisakti pada tahun 1988.

Soemenggrie Jongkamto joined Rabobank Indonesia in December 2017 and was appointed as Vice President Director on March 21, 2018 and also served as Director of Finance (Chief Financial Officer).

In more than 33 years of his career, his experience in the banking and financial services industry began in 1991 as Chief Financial Officer at Bank of America, then he continued his career at Chase Manhattan Bank from 1995 – 2001 as Chief Financial Officer. From 2001 – 2007 he joined JP Morgan with his last position as Branch Manager than as Chief Financial Officer, with ABN Amro Bank from 2007 to 2010 and with The Royal Bank of Scotland from 2010 to 2016, and then he joined Rabobank Indonesia. He holds a Bachelor’s degree in Accounting from the Trisakti University in 1988.

Soemenggrie Jongkamto*Pjs. Presiden Direktur Act. President Director



Mia Patria bergabung dengan Rabobank Indonesia sebagai Wakil Direktur Sumber Daya Manusia pada bulan Juli 2016 dan diangkat sebagai Direktur Sumber Daya Manusia pada bulan Desember 2016. Ia juga pernah menjadi Pejabat Sementara Direktur Kepatuhan di Rabobank Indonesia sampai Direktur Kepatuhan yang baru mendapat persetujuan dari Otoritas Jasa Keuangan dan Pemegang Saham melalui RUPS.

Beliau memiliki pengalaman di industri perbankan dan jasa keuangan selama lebih dari 30 tahun. Beliau memulai karir perbankannya di Citibank N.A Indonesia pada tahun 1988, dan kemudian melanjutkan karir perbankannya di Bank Papan Sejahtera dan Bank Danamon Indonesia. Kemudian beliau menjadi Direktur E-Business di GE Capital Indonesia dan Direktur Sumber Daya Manusia dan Grup Komunikasi & Keberlanjutan Korporasi di HSBC Indonesia. Sebelum berkarir di Rabobank Indonesia ia adalah Direktur Sumber Daya Manusia di Commonwealth Bank. Selama karir perbankannya, beliau melakukan berbagai inisiatif penting dalam bidang pengendalian kualitas dan audit, membentuk call center, mendukung strategi komunikasi korporasi dan program keberlanjutan, dan menjadi anggota komite pelayanan prima. Beliau meraih gelar Sarjana di bidang psikologi dari Universitas Indonesia..

Mia Patria joined Rabobank Indonesia as Deputy Director of Human Resources in July 2016 before being appointed Director of Human Resources in December 2016. As the new Compliance Director of Rabobank Indonesia awaits confirmation of approval from Financial Service Authority (OJK) and shareholders through the General Meeting of Shareholders, Mia Patria served as interim Compliance Director.

Serving for more than 30 years, she has extensive experience in the banking and financial services industry. Her banking career began at Citibank N.A Indonesia in 1988 before continuing to Bank Papan Sejahtera and Bank Danamon Indonesia. Within the same industry, she progressed as Director of E-Business at GE Capital Indonesia and Director of Human Resources and Corporate Communications & Sustainability Group at HSBC Indonesia. Prior to joining Rabobank Indonesia she served as Director of Human Resources at Commonwealth Bank. Throughout her career, she undertook important initiatives in quality control, auditing, establishing call centers, supporting corporate communication strategies, sustainability programs, and becoming a member of the excellent service committee. She holds a Bachelor’s degree in psychology from the University of Indonesia.

Mia PatriaDirektur Director


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Heri Haryadi bergabung dengan Rabobank Indonesia sebagai calon Direktur Kepatuhan pada tanggal 1 April 2017 dan diangkat sebagai Direktur Kepatuhan pada tanggal 21 Juni 2017.

Beliau memulai karir perbankannya di Deutsche Bank Cabang Jakarta sebagai auditor internal pada tahun 1990. Ia kemudian meneruskan karir perbankannya di PT Bank Credit Agricole Indonesia dan PT Bank BNP Paribas Indonesia di mana ia menjadi Financial Controller. Pengalamannya dalam bidang kepatuhan diperolehnya sejak bergabung di Bank DBS Indonesia pada tahun 2005, dengan jabatan terakhir sebagai sebagai Vice President Compliance. Sebelum berkarir di Rabobank Indonesia Heri adalah Country Head of Compliance dari The Royal Bank of Scotland NV Cabang Jakarta.

Gelar Sarjana Akuntansi dan Magister Sains Manajemen diraihnya dari Universitas Indonesia pada tahun 1987 dan 2006. Beliau telah lulus program sertifikasi manajemen risiko level 5 yang diselenggarakan oleh Badan Sertifikasi Manajemen Risiko (BSMR) dan telah mengikuti berbagai pelatihan manajemen risiko.

Heri Haryadi joined Rabobank Indonesia as a Director of Compliance candidate on April 1, 2017 and was appointed as Director of Compliance on June 21, 2017.

He began his banking career at Deutsche Bank Jakarta Branch as an internal auditor in 1990 before serving as a Financial Controller at PT Bank Credit Agricole Indonesia and PT Bank BNP Paribas Indonesia. His experience in the field of compliance began upon joining Bank DBS Indonesia in 2005 where he attained the position of Vice President Compliance. Prior to his career in Rabobank Indonesia, Heri served as the Country Head of Compliance at the Royal Bank of Scotland NV Branch in Jakarta.

Heri holds a Bachelor’s degree in Accounting and Master of Management Science from the University of Indonesia in 1987 and 2006. He has passed the level 5 risk management certification program held by the Risk Management Certification Board (BSMR) and has attended various risk management training.

Heri HaryadiDirektur Director


Maximiliaan Blom bergabung dengan Rabobank Indonesia dan diangkat menjadi sebagai Direktur Manajemen Risiko pada tanggal 27 April 2018.

Awal karir beliau di perbankan dimulai pada tahun 1982 di ABN AMRO Bank, Amsterdam, Belanda dengan posisi terakhir sebagai Senior Credit Officer untuk jaringan internasional ABN AMRO. Kemudian sejak tahun 1996, beliau melanjutkan karir di Rabobank Group secara internasional dengan jabatan-jabatan penting sebagai pimpinan di International Credit, Special Asset Management. Dan, hingga beliau bergabung di Rabobank Indonesia sebagai Direktur dan juga sebagai Chief Risk Officer untuk Rabobank Group Wholesale Business di Belanda.

Beliau meraih gelar pendidikan dari Hotel Management School di Maastricht, Belanda pada tahun 1980 dan ISW Business School di Freiburg, Jerman pada tahun 1985.

Maximiliaan Blom joined Rabobank Indonesia and was appointed as Director of Risk Management on April 27, 2018.

His early career in banking started in 1982 at ABN AMRO Bank, Amsterdam, Netherlands with his last position as Senior Credit Officer in charge of ABN AMRO’s international network. Then since 1996, he has continued his international career at Rabobank Group with several important leading positions in International Credit, Special Asset Management. And, until he joined Rabobank Indonesia and is servicing as Director, being Chief Risk Officer of Rabobank Group’ s Wholesale Business in the Netherlands.

He holds education degrees from the Hotel Management School in Maastricht, Netherlands in 1980 and the ISW Business School in Freiburg, Germany in 1985.

Maximiliaan BlomDirektur Director


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Sheky Lemasoa bergabung dengan Rabobank Indonesia pada bulan April 2018. Beliau diangkat sebagai Direktur Perbankan Bisnis pada bulan Desember 2018.

Dalam perannya sebagai Direktur Perbankan Bisnis, beliau memimpin tim SME & Commercial Banking termasuk 33 kantor cabang (ritel) di 19 kota di seluruh Indonesia. Beliau memiliki lebih dari 23 tahun pengalaman dan karir perbankan di bidang Wholesale, Corporate & Commercial Banking pada sejumlah bank internasional di Indonesia. Sebelum bergabung dengan Rabobank Indonesia, beliau menjabat sebagai Head of Local Corporate di ANZ Indonesia. Sebelumnya, beliau bekerja di HSBC Indonesia dan menjabat sebagai Head of Local Corporate (Global Banking) dan Head of Corporate (Commercial Banking). Beliau juga pernah bekerja untuk Deutsche Bank sebagai Senior Relationship Manager Corporate Banking Coverage. Beliau mengawali karir perbankannya bersama ABN AMRO Bank yang mencakup berbagai segmen korporasi di berbagai industri.

Beliau lulus dari Griffith University, Queensland, Australia, dengan gelar Bachelor of Commerce (Honours) jurusan Corporate Finance and Economics.

Sheky Lemasoa joined Rabobank Indonesia in April 2018. He was appointed as Business Banking Director in December 2018.

In his role as Business Banking Director, he leads the SME and Commercial Banking team including 33 Retail branches in 19 cities across Indonesia. He has over 23 years of Wholesale, Corporate and Commercial banking experience having worked for a number of international banks in Indonesia. He joined Rabobank Indonesia from ANZ Indonesia where he was Head of Local Corporate. Prior to that he worked for HSBC Indonesia as Head of Local Corporate (Global Banking) and Head of Corporate (Commercial Banking). He had also worked for Deutsche Bank as Senior Relationship Manager Corporate Banking Coverage. He started his banking career with ABN AMRO Bank covering various corporate segments across multiple industries.

He graduated from Griffith University, Queensland, Australia, with Bachelor of Commerce (Honours) degree majoring in Corporate Finance and Economics.

Sheky LemasoaDirektur Director


Tahun 2019 masih menjadi tahun yang cukup berat bagi perekonomian Indonesia. Hal tersebut didorong oleh gejolak ekonomi global yang menghambat laju investasi. Pertumbuhan investasi tercatat terus melemah pada kuartal III tahun 2019 yang hanya tumbuh 4,21% dibandingkan dengan kuartal III tahun 2018 yang tercatat sebesar 6,96%. Hal tersebut terjadi akibat adanya penurunan yang signifikan pada harga komoditas serta adanya ketidakpastian politik pasca penyelenggaraan Pemilihan Umum (Pemilu) Presiden. Para investor masih memilih wait and see dengan kondisi tersebut yang berdampak pada penurunan laju investasi di kuartal III tahun 2019.

Total pertumbuhan konsumsi domestik yang menjadi motor penggerak utama ekonomi Indonesia juga melambat meskipun tercatat a

Laporan Tahunan 2019 - bankinterim.co.id · Hubungan Keluarga, Hubungan Keuangan dan Kepemilikan...

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