UOB Buana Annual Report 2007

R I G H T O N C O U R S E

(A SUBSIDIARY OF UNITED OVERSEAS BANK LIMITED)

Annual Report 2007

PT BANK UOB BUANA TBK.

PT BANK UOB BUANA TBK.

( INCORPORATED IN INDONESIA)

Corporate InformationUOB Buana at a GlanceFinancial Highlights and Financial RatiosStock Highlights and Shareholders InformationEvents and Activities in 2007Message from the President CommissionerProfile of CommissionersReport from the President DirectorProfile of DirectorsBusiness DevelopmentHuman ResourcesSystems and InfrastructureBranch Office NetworkCorporate GovernanceCorporate Social ResponsibilityAudit Committee Activity ReportRisk ManagementManagement’s Analysis and DiscussionAccountability Statement of Commissioners and DirectorsAudited Financial StatementsCorporate Data

1246

10141618212530323334434448526265

143

CONTENTS

All figures in this Annual Report are in Indonesia Rupiah unless otherwise specified

1

CORPORATE INFORMATION

P T B a n k U O B B u a n a T b k .

Ticker Symbol

ISX: BBIA

Share Registrar

PT Sirca Datapro PerdanaJl.Johar No. 18, MentengJakarta 10340, IndonesiaTel. : (021) 3900645Fax. : (021) 3900671

Public Accountant

Ernst & YoungPurwantono,Sarwoko & SandjajaGedung Bursa Efek JakartaTower 2, 7th FloorJl. Jend. Sudirman, Kav. 52 - 53Jakarta 12190, IndonesiaTel. : (021) 52895000Fax. : (021) 52894100

Corporate Rating

PT Pemeringkat Efek Indonesia(PEFINDO)Setiabudi Atrium, 8th Floor,Suite 809-810Jl. H.R. Rasuna Said,Kav. 62, KuninganJakarta 12920, IndonesiaTel. : (021) 5210077Fax. : (021) 5210078

Corporate Secretary

Susan KwantoJl. Gajah Mada No. 1AJakarta 10130, IndonesiaTel. : (021) 6330585Fax. : (021) 6312340Email : [email protected]

PT Bank UOB Buana Tbk.Head Office

Jl. Gajah Mada No. 1A, Jakarta 10130Tel. : (021) 63865927, 6330585 (Hunting)Fax. : (021) 6324467Swift : BBIJIDJAWebsite : www.uobbuana.com

Type of Business

Banking

Date of Establishment

August 31, 1956Notarized by Eliza Pondaag, SH No. 150Republic of Indonesia Ministryof Justice Decree No. J.A.5/78/4dated October 24, 1956

Business License

Republic of Indonesia Ministryof Finance Decree No. 203443/U.M IIdated October 15, 1956Commenced operations onNovember 1, 1956

Decision of the Governor of Bank IndonesiaNo. 9/14/KEP.GBI/2007dated February 28, 2007on changing the Business License toPT Bank UOB Buana Tbk.

Share Capital

Par Value Rp 250,-Authorized shares 18,000,000,000Issued and fully paid6,653,357,004 shares

Stock Exchange

Indonesia Stock Exchange (ISX)

2

UOB BUANA AT A GLANCE


PT Bank UOB Buana Tbk. was founded as PT Bank Buana Indonesia on August 31, 1956. The Bank received

its business license in October 1956 and started operations on November 1, 1956. Over the next five decades,

it grew to become a leading bank in financing Small and Medium-sized Enterprises (SMEs) in Indonesia.

The Bank acquired three banks in Bandung, Semarang and Jakarta in between 1972 and 1975, and became

a foreign-exchange licensed bank in 1976. It successfully weathered the financial crisis that hit Asia in 1997

without the need for government recapitalization. This success was followed by the Bank’s listing on the

Jakarta Stock Exchange and Surabaya Stock Exchange in 2000.

In 2004, United Overseas Bank Limited (UOB) of Singapore acquired a 23% stake in the Bank through

its wholly-owned investment company, UOB International Investment Private Limited (UOBII). UOBII

increased its shareholding to 53% in October 2005. A tender offer for the remaining shares of the Bank

in November 2005 increased UOBII’s shareholding by 8.1% to 61.1%.

On March 9, 2007, in line with the resolution of the Extraordinary General Meeting of Shareholders

in January 2007, the Bank officially changed its name to PT Bank UOB Buana Tbk. (UOB Buana). This move

was to leverage the strong brand name of UOB in Southeast Asia.

As at year end-2007, UOB Buana’s service network comprised 35 branch offices, 170 sub-branch offices

and 126 ATMs across 30 cities in 18 provinces throughout Indonesia. To further improve our banking services,

UOB Buana also collaborated with ALTO and ATM Bersama, enabling the Bank’s customers to access

over 18,000 ATMs in Indonesia and over 1,000,000 ATMs worldwide using the Visa network. In addition,

UOB Buana is linked to the regional and global network of UOB.

In line with UOB’s vision to be a premier bank in Asia Pacific, UOB Buana strives to expand its business

in consumer and corporate banking, while maintaining its leadership in the SME financing segment. Supported

by an extensive service network, effective information technology systems, sound capital structure as well

as experienced management and human resources, UOB Buana is committed to creating sustainable

long-term value for its stakeholders.

3 P T B a n k U O B B u a n a T b k .

2003International Finance Corporation (IFC),

subsidiary of World Bank became the firstforeign stakeholder in the Bank through

Limited Public Offering II

2000Initial Public Offering (IPO) leading to listing

on Jakarta Stock Exchange andSurabaya Stock Exchange

2004UOB International Investment Private Ltd.

(UOBII) became the second largestshareholder after PT Sari Dasa Karsa

1956The Bank was founded asPT Bank Buana Indonesia

and commenced operations

1972Acquired PT Bank Pembinaan Nasional

– Bandung

1974Acquired PT Bank Kesejahteraan Masyarakat

– Semarang

1975Acquired PT Bank Aman Makmur– Jakarta

1976Became a foreign exchange bank

1998Received a predicate category “A”from Bank Indonesia

2005IFC divested its stake in UOB Buana

UOBII increased its ownership to 61.10%and become the majority shareholder

2007Name changed fromPT Bank Buana Indonesia Tbk.to PT Bank UOB Buana Tbk.(UOB Buana)

UOB BUANA AT A GLANCE

Interest RevenueInterest ExpensesNet Interest IncomeOther Operating Income - NetProvision for Possible Losses on Assets and Estimated Losses on Comitment and ContigenciesOther Operating ExpensesOperating IncomeNon Operating Income (Expense) - NetNet Income Before TaxTax ExpensesNet Income of the YearEarnings per share (in whole Rupiah)

AssetsCash on HandDemand Deposits with Bank IndonesiaDemand Deposits with Other Bank - NetPlacements with BI and Other Bank - NetSecurities - NetSecurities Purchased Under Reselling Agreement - NetDerivative Receivable - NetLoans Receivable - NetAcceptances Receivable - NetInvestments - NetDeferred Tax Assets - NetFixed Assets - NetOthers Assets - Net

4

FINANCIAL HIGHLIGHTS

73.793,569.674,767.145,083.36

-416.9948.160.01

24.7537.0534.89

294.15

3.1414.3784.31

62.613,148.254,347.164,809.30

0.01102.4317.680.08

22.5418.4041.23

-

2.658.92

70.56

10.303,115.834,051.855,724.33

-367.6143.560.02

34.9124.5028.55

295.43

2.1112.22

119.16

67.323,114.874,126.035,224.52

-462.8374.140.04

38.2328.5522.22

293.92

2.0410.31

122.77

Balance Sheets

ITEMS(in billion of Rupiah) 2003200420052006

December 31

Total Assets 14,335.1216,353.6815,999.5116,856.12

126.52897.8483.44

537.325,934.04

506.830.32

7,758.2636.520.03

13.05322.57136.94

141.35603.2463.19

645.776,624.12

473.222.53

5,267.8318.220.329.61

321.79163.93

130.561,002.61

127.641,528.572,494.19

-0.02

10,126.4824.060.03

19.55367.87177.93

182.75957.0991.16

1,416.703,525.63

-0.04

10,108.4428.280.03

26.23365.54154.23

ITEMS(in billion of Rupiah)

Income Statements

20032004200520062007 December 31

1,497.96623.58874.3886.96

(15.14)551.62394.5818.16

412.74129.16283.58

49

1,559.22873.27685.9589.90

1.61459.66317.80

1.48319.2897.43

221.8561

1,836.77681.07

1,155.70144.04

36.90733.41603.23

1.15604.38184.08420.30

63

1,673.99745.30928.69121.81

(76.26)518.47455.7736.43

492.20146.40345.80

59

2,183.721,009.901,173.82

125.14

(66.58)639.50592.88(5.67)

587.21177.97409.24

65

Total Liabilities

Total Equity

Total Liabilities and Equity

12,651.82

1,683.30

14,335.12

14,451.78

1,901.90

16,353.68

13,830.38

2,169.13

15,999.51

13,587.79

3,268.33

16,856.12

18,260.09

61.113,541.634,758.674,990.58

-743.2853.071.32

28.4924.5816.33

294.98

2.8116.41

169.18

2007

219.14892.70168.92877.55

3,059.15

--

12,455.4924.360.03

20.18349.24193.33

14,702.44

3,557.65

18,260.09

Liabilities and EquityImmediate LiabilitiesDemand DepositsSavings AccountTime DepositsCertificate of DepositsDeposits from Other BanksTaxes PayableDerivative LiabilitiesAccrued Interest ExpensesAcceptances LiabilityBorrowingsSubordinated BondsEstimated Loss on Commitments and ContigenciesLiability for Employee BenefitsOther Liabilities


Operational RatiosNet Interest Income to Average Total AssetsNet Interest Income to Average Total EquityNet Interest Income to Average Total Earning Assets (NIM)*Net Other Operational Expenses to Average Total AssetsNet Other Operational Expenses to Average Total EquityNet Other Operational Expenses to Net Average Total Earning AssetsReturn on Assets*Return on Equity*Net Income to Net Average Total Productive AssetsOperating Income to Interest RevenueNet Income Before Tax to Interest RevenueNet Income to Interest Revenue

Financial RatiosTotal Liabilities to Total Assets

Total Liabilities to Total Equity

Total Loan Receivable to Total Assets - Net

Total Earning Assets to Total Assets - Net

Total Third-Party Funds to Total Assets

5

FINANCIAL RATIOS

ITEMS(in percentage) 2003200420052006

December 31

10.25(7.96)

(11.70)7.935.36

32.17

40.23

43.37

1.28

0.86

0.7522.32

-

27.4724.1627.8314.0814.2312.99

52.22

58.55

1.26

1.61

1.5022.12

21.83

26.4030.0818.345.35

(1.75)50.67

66.63

83.03

2.33

4.39

3.2530.83

30.36

6.2115.5121.94(2.17)(4.30)14.05

70.81

79.96

1.77

2.35

1.6620.15

19.86

2007

(1.54)1.752.708.338.208.85

75.10

95.23

1.56

3.34

2.6927.94

27.24

6.58

33.86

7.07

3.15

16.19

3.483.40

13.18

2.6532.84

32.90 22.88

80.52

413.26

68.21

90.83

72.79

88.26

751.61

36.75

91.35

85.84

88.37

759.86

47.44

90.85

82.06

80.61

415.74

59.97

90.00

73.95

86.44

637.60

63.29

89.38

80.58

4.97

46.40

5.35

2.67

24.90

2.922.31

17.00

1.7620.38

20.4814.23

5.70

48.78

6.12

3.13

26.77

3.432.66

17.75

2.0326.34

27.5518.93

7.15

43.18

7.65

3.54

21.37

3.943.47

16.05

2.7827.15

26.8918.74

5.74

45.62

6.51

2.92

23.23

3.243.13

18.91

2.3727.23

29.4020.66

Growth RatiosNet Interest IncomeOperating IncomeNet IncomeTotal AssetsTotal LiabilitiesTotal Equity

* Calculated in accordance with Bank Indonesia regulations

Other RatiosLoans Receivable to Net Earning AssetsLoans Receivable to Third Party Funds (LDR) *Allowances for Uncollectible Loans to Total Loans ReceivableNon Performing Loans to Total Loans Receivable (NPL Gross*)Non Performing Loans to Total Loans Receivable (NPL Net*)Capital Adequacy Ratio (CAR)* for Credit RiskCapital Adequacy Ratio (CAR)* for Credit Risk and Market Risk


6

Share Performance

July 20, 2000May 17, 2002May 17, 2002

September 20 - 27, 2002December 23, 2002

May 28 - June 5, 2003November 4, 2003November 4, 2003

May 12, 2005 May 12, 2005

June 9 - 19, 2006

Par Value(Rp)

Type of Dividend

STOCK HIGHLIGHTS

Corporate Actions

-223,689,75447,133,917

248,164,7341,488,988,405

744,494,202306,091,338959,549,650410,821,132367,309,605887,114,267

970,000,0001,193,689,7541,240,823,6711,488,988,4052,977,976,8103,722,471,0124,028,562,3504,988,112,0005,398,933,1325,766,242,7376,653,357,004

500500500500250250250250250250250

Distribution Date New Shares(share)

Issued Shares (share)

5,766,242,7375,823,905,164

2,169.1397083095059

16.10

4,067,140,7671,780,043,475

806,172,7626,653,357,004

2006 2007 2005

6,653,357,0046,307,752,071

3,268.331,000

87097065

14.92

1,0001,0201,0501,200

950980970990

980980

1,0201,030

1,198,500607,500

2,314,000986,500

UOB International Investment Private LimitedPT Sari Dasa KarsaPublicTotal

61.1326.7512.12

100.00

STOCK HIGHLIGHTS AND SHAREHOLDERS INFORMATION

9701,000

940970

900910870930

900920930970

1,788,000996,000

2,793,0002,721,000

Dividend Payment

Trading Volume 2007 2006

Shareholders Number of Shares %

20002001

2002

2003

20042005

FiscalYear

DividendDividend

Interim Dividend Final Dividend

Interim Dividend Final Dividend

DividendDividendDividend

31,040129,98056,99818,64242,25024,34285,097

103,792122,774

31%50%

30%

30%30%

July 5, 2001May 17, 2002

March10, 2003 June 3, 2003

November 4, 2003June 29, 2004May 12, 2005

July 3, 2006August 1, 2007

30%

Total Dividend(Rp milion)

Dividend Pay- Out Ratio

PaymentDate

2006 30%

Share Price (Rp)

6,653,357,0046,653,357,004

3,557.651,200

9501,030

6316.35


2006Highest Lowest Closing

2007Highest Lowest Closing

1st

2nd

3rd

4th

QuarterQuarterQuarterQuarter

Outstanding SharesWeighted Average Number of Outstanding SharesBook Value (Rp billion)Highest PriceLowest PriceClosing PriceEarning Per SharePrice Earning Ratio

Initial Public OfferingShare DividendBonus ShareLimited Public Offering IStock SplitLimited Public Offering IIShare DividendBonus ShareShare DividendBonus ShareLimited Public Offering III

1st

2nd

3rd

4th

QuarterQuarterQuarterQuarter

7

Share ownership by the Board of Commissioners and Board of Directors in the Bank is as follows:

PositionName

-

-

-

0.16%

-

-

-

-

0.45%

-

-

-

-

-

-

Wee Cho Yaw

Lee Chin Yong Francis

Wee Ee Cheong

Karman Tandanu

Rusdy Daryono

Armand B. Arief

Wang Lian Khee

Aris Janasutanta Sutirto

Eddy Muljanto

Pardi Kendy

Safrullah Hadi Saleh

Ishak Sumarno

Goh Seng Huat

Francis Hsu

Soehadie Tansol

NotesSDKUOBIIUOBS

::::

PT Sari Dasa KarsaUOB International Investment Private LimitedUnited Overseas Bank Limited

UOB BuanaOwnership

Bank

SDK PublicIndividual I UOBII

UOBS

SHAREHOLDERS INFORMATION


100%

11.21%

President Commissioner

Vice President Commissioner

Commissioner

Commissioner

Independent Commissioner

President Director

Vice President Director

Director

Director

Director

Director

Director

Director

Director

Compliance Director

Shareholding of Board Members

Shareholding Structure

Shareholding structure of the Bank as at December 31, 2007 is as follows:

26.75% 61.13%0.91%

8

Individual I (Founding Shareholders)

Types of Transaction(in billion Rupiah)

2007Amount % of total

Description Amount

(in million Rupiah)

Individual I consists of:

Eddy MuljantoKarman TandanuLukito WinartoSiang Hadi WidjajaSastro WijatnoSri Muljati Suwito

Ownership Percentage

0.450.160.040.020.180.06

Total 0.91

1

2345

No.

798,4032,306

796,097739,06557,032

45.86140.9078.63

249.98100.50305.70

1.920.657.39

0.250.770.461.700.682.080.100.091.01


Current Account with Other BanksPlacements with Other BanksLoanDemand DepositsSavings AccountTime DepositsCommission IncomeInsurance ExpenseRental Expense

Proceeds from Rights Issue III(887,114,267 x Rp 900,-)Share issuance costNet proceeds from Rights Issue IIIFunds utilization from Rights Issue IIIFunds remaining from Rights Issue III

Transactions with Related Parties

As at December 31, 2007, the Bank has certain transactions with related parties, with the following

balances:

Use of Proceeds from Public Offerings

Limited Public Offering (Rights Issue III)

9

AWARDS & RATINGS

Awards

•

•

Ratings

•

•


On December 10, 2007, Indonesia’s rating company (PT PEFINDO) upgraded

the rating of the Bank from idA+ (Single A Plus; Stable Outlook) to idAA-

(Double A Minus; Stable Outlook) and at the same time upgraded the rating

of the Bank’s Subordinated Bond I of 2004 from idA (Single A; Stable Outlook)

to idA+ (Single A Plus; Stable Outlook) for the period of December 5, 2007

to December 1, 2008

The international rating agency, Fitch Ratings granted the National Long-Term

Rating of the Bank as AA+ (idn) with a support rating of “3”

In 2007 the Bank received the following awards:

Unrealized proceeds of Rights Issue III of Rp 57,032 million is for the development of the Information Technology

System and at the end of this reporting period is invested in securities in the form of Certificates

of Bank Indonesia (SBI) for one month with an interest rate of 8.25% p.a.

Indonesia Bank Loyalty Champion of 2007 in the Savings category awarded

by the InfoBank magazine in cooperation with MarkPlus Research

Bank honored with a “Very Good” grade from InfoBank magazine for financial

performance in 2006 and also received the Golden Trophy Award for its success

in maintaining the “Very Good” grade for financial performance for five

consecutive years, from 2002 to 2006

1 0

EVENTS AND ACTIVIT IES IN 2007


June

New Board Members

Shareholders approved the appointment of

Mr. Armand B. Arief as President Director and

Mr. Hsu Francis as Director during the Annual

and Extraordinary General Meetings of Shareholders

held at the Four Seasons Hotel, Jakarta.

August

Leadership Management Style Training

The first session of the leadership style training

was held at The Hotel Yasmin, Cianjur, West Java.

Participants included Division Heads, Regional

Managers and Branch Managers. The training also

discussed the Bank’s vision, mission and business

strategy, with the President Director, Mr. Armand B.

Arief as the facilitator.

January

UOB Buana Rebranding Name

During the Extraordinary General Meeting of

Shareholders of Bank Buana at the Four Seasons

Hotel in Jakarta, the Shareholders approved the

Bank’s change of name to UOB Buana.

April

The Champions Seminar

The Champions Seminar, a motivational seminar

was launched in April. It was attended by staff from

various divisions and branches. The seminar’s objective

was to help participants recognize their strengths

and weaknesses, build discipline and responsibility.

1 1 P T B a n k U O B B u a n a T b k .

Relaunch of UOB Classic and Gold Visa Credit

Card along with Launch of UOB Platinum Visa

Credit Card

The Bank re-launched the Visa Classic and Gold

Credit Card with a new look, more attractive

features and regional benefits during an event at

the Intercontinental Hotel, Jakarta. At the same

event, the Bank also launched the new Visa Platinum

Credit Card.

September

3rd Sales Convention & Training in Beijing

To increase motivation and as a show of appreciation

to the sales teams, the Bank held the 3rd Sales

Convention & Training workshop in Beijing, China.

The event was attended by the UOB Buana sales

team who had won the Great Wall of China training

and tour contest.

Sports Festival

To improve camaraderie and teamwork, the Bank

held the UOB Buana Sports Festival on July 7-

September 8. The event was a success and

the closing ceremony was officiated by Mr. Wang

Lian Khee, Vice President Director of the Bank, and

was attended by 3,000 staff.

1 2P T B a n k U O B B u a n a T b k .

October

UOB Buana CSR Program

The Bank initiated the first stage of its social program,

with its employees visiting several orphanages in

Jakarta and Serang, Banten Province to donate staple

goods packages and prayer kits.

UOB Buana Scholarships

As a part of HR initiatives and the Bank’s commitment

to Corporate Social Responsibility (CSR), scholarships

were disbursed to the children of employees with

good academic results. Mr. Wang Lian Khee and

Mr. Pardi Kendy represented the Board of Directors

and presented the scholarships to the recipients. For

the academic year 2007 – 2008, the Bank disbursed

scholarships to 208 students from Elementary School

and Junior High School.


Fast Breaking

Harmoni Branch held a Fast Breaking event which

was officiated by Director Mr. Pardi Kendy.

UOB Buana Rebranding

The UOB Buana Rebranding project entered its final

stage with its implementation in all Branches and

Sub-Branches in Indonesia.

December

Sacrifice (Qurban) Event

UOB Buana, together with the Workers Union, held

a feast in conjunction with the “Sacrifice (Qurban)

Event” to commemorate Idul Adha. The offering of

eight cows was distributed to employees and locals.

The event was held in Jakarta and Bandung Branches.

1 4

Wee Cho YawPresident Commissioner

MESSAGE FROM THE PRESIDENT COMMISSIONER


2007 marked a new beginning for the Bank as it

began operations as PT Bank UOB Buana Tbk.

(UOB Buana). The rebranding not only enabled the

Bank to build upon its existing strength in commercial

banking for Small and Medium-sized Enterprises

(SMEs), but also reinforced its position in the

Indonesian banking industry.

Notwithstanding the international financial turmoil

caused by the US sub-prime mortgage and

collateralized debt obligation (CDO) crisis, Indonesia’s

economy grew by 6.3% in 2007. This represented

the highest growth since the Asian financial crisis

ten years ago, placing Indonesia on the economic

growth highway. Political stability and prudent macro-

economic policy supported the economic growth

momentum. Indonesia continues to provide a

conducive environment that attracts real investment

flow to support economic growth.

In the midst of promising economic growth, the

national banking sector showed a positive trend

in 2007. Aggregately, banking credit grew 25.5%

to Rp 1,045.7 trillion and deposits grew 17.4% to

Rp 1,510.8 trillion. The reduction in the BI rates from

9.75% in December 2006 to 8% in December 2007

and the favorable investment climate contributed to

healthy credit growth in Indonesia.

We are pleased to report that UOB Buana had

performed satisfactorily and was not adversely

impacted by the effects of the sub-prime mortgage

issues or credit crunch that gripped the global

markets, in particular the US financial industry in

2007. The Bank achieved a net profit after tax of

Rp 420.30 billion in 2007, representing a growth

of 2.70% over the Rp 409.24 billion in 2006.

During the year, the Bank had also taken significant

steps to strengthen its corporate governance, risk

management and internal control frameworks. This

had enabled the Bank to increase its lending activities

to the consumer segment. Various training programs

were also conducted to create awareness amongst

our employees and improve their understanding of


to all stakeholders of UOB Buana for their trust and

support, to fellow Commissioners for their wise

counsel, and to the Board of Directors, management

staff and employees for their efforts to grow the

Bank. With your support, I believe that UOB Buana

will continue to have good growth ahead.

banking risks following Bank Indonesia’s guidelines.

This will prepare the Bank for future challenges, such

as the implementation of Basel II standards as outlined

by Bank Indonesia.

In 2007, UOB Buana focused its efforts to achieve

greater synergies between its key business

and operation functions. The Bank has been able to

tap the expertise, experience and know-how of the

UOB Group to enhance its presence within the

Indonesian financial landscape, while continuing to

leverage the UOB Group’s extensive network in

Southeast Asia.

On behalf of the Board of Commissioners, I thank

Mr. Jimmy Kurniawan Laihad for his contributions

to the Bank as the President Director. His term of

office ended in May 2007. I am pleased to welcome

Mr. Armand B. Arief as the new President Director

of UOB Buana who brings with him 35 years

of experience in banking and consumer products

in Indonesia. I also extend a warm welcome to

Mr. Wee Ee Cheong, Deputy Chairman and Chief

Executive Officer of the UOB Group, who joined

the Board of Commissioners during the year.

The achievements of UOB Buana in 2007 would not

have been possible without the contributions of a

dedicated team. I want to record my appreciation

1 6

Wee Cho Yaw, President Commissioner

PROFILE OF COMMISSIONERS

Lee Chin Yong Francis , Vice President Commissioner


Singapore citizen. Born in 1929. A career banker with more than 40 years of experience.

Received Chinese High School education. President Commissioner of UOB Buana since

December 2005. Chairman of United Overseas Bank (UOB) and its Executive Committee

and Remuneration Committee, as well as a member of its Nominating Committee.

Chairman of UOB subsidiaries: Far Eastern Bank, United Overseas Insurance, United

Overseas Bank (Malaysia), PT Bank UOB Indonesia (President Commissioner) and United

Overseas Bank (Thai). Chairman of United International Securities, Haw Par Corporation,

UOL Group, Hotel Plaza, United Industrial Corporation, and Singapore Land and its

subsidiary, Marina Centre Holdings. Former Chairman of Overseas Union Enterprise.

Honorary President of Singapore Chinese Chamber of Commerce and Industry and Pro-

Chancellor of Nanyang Technological University. Received the Businessman Of The Year

award at the Singapore Business Awards in 2001 and 1990 as well as the inaugural Credit

Suisse-Ernst & Young Lifetime Achievement Award in 2006 for his outstanding achievements

in the Singapore business community.

Malaysian citizen. Born in 1954. Vice President Commissioner of UOB Buana since

December 2005. Joined United Overseas Bank (UOB) in 1980. Oversees UOB’s individual

banking business and drives its businesses outside Singapore. CEO of United Overseas

Bank (Malaysia) prior to his appointment as UOB’s Senior Executive Vice President, Personal

Financial Services and International, in Singapore in 2003. Holds a Malaysia Certificate

of Education. Has held senior positions in operations, consumer services and corporate

banking in UOB.

1 7

Karman Tandanu, Commissioner

Wee Ee Cheong, Commissioner

Rusdy Daryono, Independent Commissioner


Singapore citizen. Born in 1953. Appointed as Commissioner of UOB Buana on 31 August

2007. Joined United Overseas Bank (UOB) in 1979. Appointed to the UOB Board in 1990.

Held the position of UOB Deputy Chairman and President between 2000 and April 2007.

Appointed UOB CEO on 27 April 2007 and currenly holds the position of UOB Deputy

Chairman and CEO. An Executive Director of UOB (since 1990) and a member of UOB’s

Executive Committee. Holds a Bachelor of Science (Business Administration) and a Master

of Arts (Applied Economics) from The American University, Washington DC.

Indonesian citizen. Born in 1951. Graduated from Yock Eng High School in Singapore

in 1971. Commissioner of UOB Buana since October 2005. Started work as Staff at

UOB Buana Medan Branch from 1972 to 1974. Staff at UOB Buana Jakarta from 1974

to 1976. Deputy Head of International Division from 1976 to 1979. Senen Sub-Branch

Manager from 1979 to 1980. Deputy Head of Surabaya Branch from 1980 to 1985. Head

of International Division from 1985 to 1995. Executive Vice President of the Bank

from 1995 to October 2005.

Indonesian citizen. Born in 1950. Graduated from Faculty of Economics of Universitas

Indonesia. Commissioner of UOB Buana since June 2006. Started his career at Public

Accounting Firm of Drs. Utomo, Mulia & Co. from 1973 to 1977.

Joined PT Salim Economic Development Corp. from 1978 to 1982, PT Hardy Trading

from 1982 to 1987 and Public Accounting Firm of Drs. Mulia Iskandar & Co. from 1983

to 1987.

Partner and Division Head at Public Accounting Firm of Prasetio, Utomo & Co. from 1987

to 2002, and from 2003 to 2006 as partner at Public Accounting Firm of Osman Ramli

Satrio & Partner. Actively involved in the management of the Indonesian Institute of

Accountants since 1986 until present, with latest position as member of Board

of Supervisor, Indonesian Institute of Certified Public Accountants.

1 8

Armand B. AriefPresident Director

REPORT FROM THE PRESIDENT DIRECTOR


UOB Buana performed well in 2007 and continued

to focus on commercial banking for SMEs and the

consumer banking business.

We recognized the fierce market competition in

consumer and commercial banking, as well as the

increasing customer demand for quality banking

products that are comparable to those being offered

by other world-class banks. This had led us to

implement various initiatives to improve our

operations, such as harnessing technology to improve

operational efficiency and centralizing our operations

which is vital to providing competitive consumer

banking services.

With strong determination and dedication to

establish UOB Buana as a dominant player in

consumer and commercial banking in Indonesia, the

Bank perfomed well for the financial year of 2007.

Net income grew 2.70% from Rp 409.24 billion

in 2006 to Rp 420.30 billion in 2007. Total assets

increased by 8.33% to Rp 18,260.09 billion at the

end of 2007. An estimated 69.31% of the total

assets are credit assets, which grew some 22.29%

from Rp 10,349.81 billion to Rp 12,656.95 billion.

Meanwhile, credit growth was supported by the

successful launch of several new consumer banking

products and the introduction of various new features

for existing products. These included the Twin Invest

program (an investment program related to our

Privilege Deposit program), the launch of UOB Buana

credit cards, themed “What’s Stopping You?” to

offer greater benefits across Southeast Asia, and the

UOB Elite Protection program which is an improved

series of bancassurance products.

During the year, UOB Buana made good progress in

enhancing its system infrastructure, streamlining

its operations for effective risk management and

strengthening its corporate governance by tapping

the expertise, experience and know-how of the

UOB Group. With these changes, UOB Buana is able


to build on its brand equity within the Indonesian

domestic banking market as it continues to capitalize

on the business synergies provided by the

UOB Group, a recognized and established regional

bank in Southeast Asia.

In 2007, UOB Buana invested in a new treasury

operating system. This investment enabled

UOB Buana to develop its Treasury Division into a

new profit center that would fuel the Bank’s future

income growth. UOB Buana’s customers can now

leverage the UOB Group’s international network for

their business and personal banking needs.

The various initiatives required a significant paradigm

shift in UOB Buana’s human resource policies, as

well as understanding and support of all employees

regarding the need for changes and a new work

culture. To this end, the management paid vast

attention to improving and developing the human

resource function to support the Bank’s growth plans.

Every member of the Board of Directors was assigned

to visit branch offices to share with employees on

the current developments and future directions of

the Bank. Various meetings involving the employees

– from small groups in the meeting rooms of branch

offices to hundreds of participants at town-hall

meetings – were held to improve their understanding


credits, credit cards and car loans; (ii) commercial

banking where financing SMEs is a traditional strength

of the Bank; and (iii) banking services such as trade

finance and the likes, relying on the Bank’s upgraded

treasury services and the UOB Group’s wide and

trusted international banking network.

Finally, on behalf of the Board of Directors, I take

this opportunity to thank our stakeholders, especially

the management and staff, for their continued

support and confidence in UOB Buana. We will

continue to preserve your trust in us to achieve the

best results for UOB Buana.

and gain their support for the Bank’s work plans.

Training for employees also grew in terms of the

frequency and number of programs.

For the first time, UOB Buana established a

management development program as a recruitment

vehicle for management associate trainees and to

nurture them to become the future managerial cadre

in UOB Buana. The Bank also recruited several senior

banking executives with extensive work experiences

in international banks. This is expected to accelerate

the management change currently underway in

UOB Buana.

Supported by these key initiatives, we believe that

UOB Buana is on the right growth track. UOB Buana

will continue to build on (i) consumer banking with

emphasis on housing loans, extension of various

2 1

Armand B. Arief, President Director

PROFILE OF DIRECTORS

Wang Lian Khee, Vice President Director


Indonesian citizen. Born in 1952. Graduated with a degree in Bachelor of Business

Administration from Curry College, Milton, Massachusetts, U.S.A. in 1979 and received

his Master of Business Administration degree from Suffolk University, Boston, Massachusetts,

U.S.A. in 1982. He was appointed President Director of UOB Buana in September 2007.

He started his career in Nestlé Indonesia in 1983 and held various senior positions

with the last position as Regional Development Manager. He then joined Citibank in 1988

and his last position was as Distribution Director. From 1997 until 1999 he was Retail

Banking Director of Bank Papan Sejahtera.

He served as Vice President Director of Bank Danamon from 1999 to 2002. Prior to

joining UOB Buana, he was the Vice President Director of Bank Internasional Indonesia

from 2002.

Singapore citizen. Born in 1956. Became Vice President Director of UOB Buana in

September 2006. Graduated from the Economics Faculty of University of Essex, UK.

Initially employed at United Merchant Bank as Credit Analyst from 1982 to 1984.

Started his career at UOB as Credit Officer from 1984 to 1986. Credit & Marketing

Manager UOB (London Branch) from 1986 to 1992. General Manager UOB (Seoul Branch)

from 1992 to 1994. General Manager (Sydney Branch) from 1994 to 1999, and

Deputy President & Deputy CEO UOB Philippines from 1999 to 2006.

2 2

Pardi Kendy, Director

Eddy Muljanto, Director

Aris Janasutanta Sutirto, Director


Indonesian citizen. Born in 1945. Studied Economics at Airlangga University. Participatedin various banking seminars. Director at UOB Buana since 1996. Started his career atBank BCA in Surabaya from 1966 to 1969.

Joined UOB Buana Surabaya as Section Head of Current Account from 1969 to 1977.Head of Urip Sumohardjo Sub-Branch from 1977 to 1978, Deputy Branch Manager ofSemarang Branch from 1978 to 1981, Branch Manager of Semarang Branch from 1981to 1991, and Branch Manager of Bandung Branch from 1991 to 1995.

Indonesian citizen. Born in 1947. Graduated from Hua Chung High School in 1965.Director of UOB Buana since August 1999. Started his career as Assistant Manager atUOB Buana from 1967 to 1970. Assistant Director at PT Karet Mas from 1971 to 1973.Director at PT Karet Mas from 1974 to 1983. President Director at PT Inumas from 1980to 1983. Served as Head of the Domestic Division at UOB Buana from 1984 to 1995.Commissioner at PT Sari Dasa Karsa from 1990 to 1999. Executive Vice President atUOB Buana from 1995 to July 1999.

Indonesian citizen. Born in 1958. Participated in various domestic and overseas seminarsand training. Director of UOB Buana since August 1999.

Started his career in 1977 at the Hong Kong and Shanghai Banking Corporation in Jakartaas Junior Staff. His last position was Treasury Executive Officer from 1986 to 1987. ChiefDealer Treasury at the Bangkok Bank Limited in Jakarta from 1987 to 1988. TreasuryGeneral Manager at Bank Mitsubishi Buana in 1996. Consultant at several private andjoint-venture banks from 1996. Head of Treasury Division from 1996 to 1997 atUOB Buana. Executive Vice President from 1998 to 1999.

Active in several Professional Organizations: Member of Foreign Affairs Department– Indonesian Banks Association, Board of Ethics of Obligation State Letter Trader Association,Honorary Member of Technical Analyst Association and Board Member of Certified WealthManagers’ Association.

2 3

Safrullah Hadi Saleh, Director

Goh Seng Huat, Director

Ishak Sumarno, Director


Indonesian citizen. Born in 1954. Graduated with a Bachelor of Science in Accounting fromthe De La Salle University in Manila, Philippines. Participated in various domestic and overseastraining and courses in finance and banking. Director of UOB Buana since October 2001.

Started his career at Drs. Utomo, Mulia & Co. Accountant Office with his last positionas Partner-in-Charge at Drs. Utomo & Co. Public Accountant Office from 1975 to 1993.President Director at PT Bank Arya Panduarta Tbk. from May 1993 to March 1999. ManagementTeam Coordinator at PT Bank Nusa National from March 1999 to September 1999.

Project Manager on the merge of “8 BTO (Bank Take Over) banks into PT BankDanamon Tbk.” and Chief Financial Officer of Bank Danamon from October 1999to September 2001. Project Director Advisor for the merging of five banks into PT BankPermata Tbk. from July 2002 to January 2003.

Malaysian citizen. Born in 1961. Earned his Banking Diploma at Associate CharteredInstitute of Bankers (UK) in 1989. Participated in various training and courses in Malaysia.Director of UOB Buana since January 2006.

Started working at UOB Malaysia in 1981 to 1994 with his last position as TrainingManager. Worked at Hong Leong Bank as Training Manager from 1994 to 1995. Headof Delivery Channels and Operations at EON Bank from 1995 to 2003. Head of ProjectManagement Office at EON Bank from 2003 to August 2005. Joined UOB as FirstVice President, International since September 2005.

Indonesian citizen. Born in 1943. Graduated from Stuttgart University in West Germany.Participated in various seminars and courses on finance and economics abroad.Director of UOB Buana since April 2004. Started work at Dicky Metals Co. Ltd. from1971 to 1973 as an Accounting Manager. Accountant and Finance Manager at PT SasaFermentation from 1973 to 1975.

Worked at UOB Buana as Sub-Manager from 1976 to 1984. Deputy Head of InternationalDivision at UOB Buana from 1984 to 1985. Head of Supervision Division from 1985to 1987. Division Head of Information System and Technology from 1987 to 1995.Executive Vice President of UOB Buana from 1995 to 2003.

2 4

Soehadie Tansol, Director of Compliance

Hsu Francis , Director


Indonesian citizen. Born in 1959. Participated in various domestic seminars and

overseas banker programs at Pasicif Bankers Management Institute and the University

of Washington, in 2000. Compliance Director of UOB Buana since January 2003. Started

work at UOB Buana as Head of Checking Account Department fom 1980 to 1987

in Pontianak Branch.

Head of Bookkeeping Department at UOB Buana Pontianak from 1987 to 1989. Worked

as an Authorized Signer from 1989 to 1990. Head of Sub-Branch Office at Pontianak

from 1990 to 1991. Head of Batam Branch Office from 1991 to 1996. Head of Pontianak

Branch Office from 1996 to 1997. Head of Palembang Branch Office from 1997 to 1998.

Head of Organization, Research and Development Division at UOB Buana from 1999

to 2001. Executive Vice President at UOB Buana from 2001 to 2002.

Singapore citizen. Born in 1951. Graduated from Nanyang University with a Bachelor of

Arts in 1973 and in 1976 received his Master of International Management from American

Graduate School of International Management, U.S.A. He started his career as Area

Manager at Colgate - Palmolive in 1978 until 1981.

He joined American Express (AE) as Area Manager for Southeast Asia from 1981 to 1985.

In 1985 he served as Director of Travel Management Services until 1989. In 1989 he was

promoted to Vice President and was directly responsible for marketing AE charge cards,

card services and traveler’s cheque until 1991.

He then served as Senior Manager at Visa International from 1991 until 1993 and then

from 1993 to 1995 as Director of Marketing responsible for market development in the

Asia-Pacific region. In 1995 he joined HSBC as Senior Manager. He started his career at

United Overseas Bank (UOB) as First Vice President in 1997 and was appointed Director

of PFS at UOB Buana on July 2, 2007.

2 5

BUSINESS DEVELOPMENT


Consumer Banking: Breaking Through with Premium Products and Services

On August 1, 2007, UOB Buana relaunched its credit cards under the UOB brand and introduced a new

UOB Platinum credit card. The UOB-branded credit cards offer UOB Buana cardholders access to privileges

and benefits in Hong Kong and Southeast Asia, particularly in Singapore where UOB is the largest card issuer.

Our exchange rate for spending in Singapore is the most competitive compared to other credit cards,

when the spending is converted to Indonesian Rupiah for billing purposes. UOB Platinum cardholders also

receive double reward points and enjoy special access to airport lounges in several countries as well as many

other exclusive privileges.

UOB Buana offers many card incentive programs/privileges such as 50% discount at selected dining

establishments, 25% discount at leading fashion houses, a special Bintan Golf package, a special promotion

of two Merpati Airlines tickets for the price of one, and much more.

We also enhanced our credit card features. UOB FlexyPay is an installment program that offers cardholders

a low interest rate, and the program can be accessed at any point-of-sale (EDC) or through a telephone call.

A recurring bill payment feature was also introduced to enable cardholders to pay their monthly utility bills

to Telkomsel, Indosat, Telkom, XL and PLN. In addition, our cardholders can now pay their travel fiscal tax

with their credit card at the Soekarno-Hatta International Airport.


With so many attractive features and benefits, and supported by consistent and highly visible marketing

promotions, we were able to successfully position our credit cards as among the best in the market. The

launch of the UOB-branded credit cards achieved outstanding results. Our cardholder base increased by 60%

and outstanding receivables’ growth rate exceed 200%. In addition, our highly impactful advertising campaigns

raised public awareness of UOB Buana and its image.

Reaffirming UOB Buana’s commitment to helping customers acquire their dream home, we successfully

repackaged our home mortgage loan facility, KPR Buana Plus, to meet the needs of the market. KPR Buana

Plus not only offers competitive interest rates, but also flexible loan repayment and a long credit tenor of

20 years. This product enjoyed a significant growth of 83.87% in 2007.

UOB Buana launched two deposit products during the year. The first product, Twin Invest, is a product-bundle

that offers customers a higher-than-average interest rate on their time deposit when they also invest in a

mutual fund. The second product, Maxiyield, is a cross between a time deposit and a currency option, and

offers customers a higher yield than a regular time deposit.

We also undertook several marketing campaigns to grow deposit-taking. Through two direct gift programs,

Double Direct Gift and Triple Direct Gift, deposits into the Tabungan Produktif account grew significantly.

In addition, UOB Buana developed bancassurance products to bring peace-of-mind to discerning customers.

From September 2007, our customers can participate in the UOB Elite Protection program, a life and permanent

disability insurance plan that offers a minimum coverage of Rp 100 million. UOB Buana also offers a variety

of mutual funds managed by top fund managers, such as Schroders, Manulife Asset Manajemen Indonesia

and Fortis Investment, to help customers grow their wealth.

In enhancing our consumer banking service, we implemented various initiatives across the board from

organizational restructuring to human capital enhancement, including customer service quality improvement,

operational centralization and comprehensive enhancement of information technology.

These initiatives improved the performance of our consumer banking business in 2007. Consumer loans

increased by 37.07%, mainly attributable to increases in the housing loan and credit card businesses

which grew by 40.95% and 175.03% respectively.

The ratio of low-cost CASA (current-account savings-account) funds to total third-party deposits increased

to 62.5% as at end-2007, compared to 58.1% at the end of 2006. Total consumer savings (individual accounts)

provided the largest contribution to the rise of our CASA ratio.


Commercial Banking as Engine of Growth

UOB Buana will continue to focus on its commercial banking business, particularly its traditional stronghold

in the retail commercial segment which includes Small and Medium-sized Enterprises (SMEs). Indeed, a

UOB Buana survey found that a majority of SME customers, particularly those who have grown or are growing

from medium-sized enterprises to large companies, were more comfortable banking with UOB Buana which

provides international-class banking service.

UOB Buana believes that its existing service network is sufficient to serve business centers in Indonesia’s major

cities. Through business process improvements, and more coordinated and targeted marketing programs and

customer service, the Bank expects further growth in its commercial banking business.

UOB Buana will continue to assist its potential and value customers who are going to develop and expand

their business in domestic and overseas market especially in the region. It will do so by tapping its existing

local network that serves the major cities in Indonesia as well as its regional and international network

through the UOB group’s expertise and international branches.

In 2007, UOB Buana strengthened its commercial banking arm by increasing its activity in the corporate

banking segment as part of a larger credit diversification effort from small and medium to large companies.

UOB Buana is confident that the corporate banking segment will provide expansion opportunities through

participation in large projects and syndicated loans following the growth in the national economy.


During the year, UOB Buana initiated plans to establish treasury activities as a core business for the Bank.

In April 2007, UOB Buana implemented a new treasury information system, which is able to handle straight-

through-processing of trades from deal capture to settlement. This system is supported by UOB’s treasury

system in Singapore. The new system will enable UOB Buana to improve operational efficiency, reduce

operational risk and monitor its traders’ positions and performance in real time. With better data processing

capability, the new system will also enhance UOB Buana’s ability to offer varied and advanced treasury products

and services to meet customers’ needs.

UOB Buana has divided its Treasury team into two divisions. One division manages UOB Buana’s banking

book, liquidity risk as well as customers’ transactions on foreign currency and interest rate. The other division

acts as a supporting unit for the first division, handling the logistics and dealing room infrastructure, product

programs, and other operational responsibilities. The two divisions are expected to provide support for new

significant revenue streams for UOB Buana.

As an integral part of the UOB Group’s

global network and business scope,

UOB Buana offers international

banking services of the same scope

and scale. The Bank’s customers can

now enjoy trade finance services,

cross-border transactions, inter country

remittance services and other similar

services.

Treasury : Developing New Treasury Businesses

3 0

HUMAN RESOURCES


Changing the Mindset and Behavior of Human Resources

A major transformation of the business and culture of UOB Buana is currently underway to build a bank that

focuses on quality service and customer satisfaction as measures of success. Human resources are a key

component of this transformation – via intensive training and development of our staff, particularly those

at customer touch-points, to establish a customer-centric mindset and behavior.

Through cross-border job attachments, our staff adopted best practices and deepened their learning and

experience to increase productivity. During the year, our management also proactively met our staff at the

branch offices, conducting town hall meetings and sharing with them on the developments and new directions

of UOB Buana.

As part of the Bank’s emphasis on customer service, UOB Buana also strengthened its sales and marketing

team. The number of sales and marketing staff increased by more than 50% in 2007. In addition, through

concerted marketing campaigns, customers were provided with accurate features and benefits of UOB Buana’s

products and services, which is a vital ingredient in a successful customer service platform.

In addition, to support the growth of the front-office, UOB Buana reinforced the quality of its back-office

staff by intensifying training programs, covering areas such as risk management, internal control, credit,

treasury, accounting and taxation. We also highlighted to the staff the importance of providing prompt and

accurate service to achieve customer satisfaction, and how effective back-office operations can often have

a direct impact on the quality of service provided by the front-end units.


Overall, the intensity and number of training programs conducted for UOB Buana staff had increased during

the year. For example, 2,303 participants attended 47 sessions of the Service Excellence program in 2007,

as compared to 1,618 staff in 35 sessions in 2006.

2007 also saw other activities aimed at bolstering team-building, and reinforcing the five core values of

UOB Buana, namely Integrity, Teamwork, Responsibility, Continuous Improvement, and Proactive Selling. These

values are continuously promoted to every UOB Buana staff through various staff engagement events including

sports activities, outbound training and community involvement such as the blood donation drive for the

Indonesian Red Cross.

During the year, UOB Buana focused on recruitment to fill key positions in the Bank. As at December 31,

2007, the Bank had nearly 6,000 staff, as compared to 5,665 staff at the end of 2006. The increase reflects

UOB Buana’s commitment to be a reputable consumer and retail commercial bank in Indonesia, in line with

the Indonesian Banking Architecture framework.

3 2

SYSTEMS AND INFRASTRUCTURE


Relying on Effective Information Technology Systems

Information Technology (IT) plays a pivotal role in the Bank’s business strategy. Today, many banks in Indonesia

are able to provide world-class consumer banking services that are supported by state-of-the-art banking

technology systems which deliver speed, accuracy and reliability.

In 2007, UOB Buana made a strategic decision to invest in the development of a state-of-the-art,

scalable and robust IT infrastructure which will give the Bank a competitive advantage and position it

for anticipated business growth. As part of a carefully designed IT blueprint, UOB Buana has successfully

developed an open-architecture IT infrastructure which is not only capable of supporting all its current

banking services and products but also has the flexibility and scale to be extended to support future

products and services. UOB Buana is committed to the continuous upgrading of its banking infrastructure

whenever necessary.

One of the IT strategies adopted is to align the IT systems

employed by UOB Buana with those employed

by the UOB Group so as to leverage the Group’s best

practices in risk management, controls, efficiencies

and products. With this approach, IT investment cost can

be reduced and IT delivery can be accelerated.

During the year, UOB Buana made further progress in

tapping IT in the areas of core banking, credit and

debit card services, as well as electronic banking services

which include the ATM network, mobile banking and call

centre. One of the key milestones was the deployment of

new IT systems to support the operational centralization

of the credit and treasury businesses. This resulted in

significant improvement in operational efficiency and risk

management.

UOB Buana is also equipped with proper disaster recovery

facility to ensure continuous, uninterrupted data processing

in the event of any disruptions to the main systems.

3 3

BRANCH OFFICE NETWORK


Optimal Service Network Development

In this age of Information Technology, it takes an appropriate mix of conventional service networks

such as Branch Offices, and electronic service networks via various available media to deliver a high standard

of banking service.

UOB Buana adopts international best practices and capitalizes on IT, automation and centralization processes

to facilitate business growth. In line with this, the Bank’s business development strategy does not focus on

expanding the Branch Office and service outlet networks, but more on improving the work processes and

expanding the scope of service through electronic distribution channels.

UOB Buana believes that its 205 offices – comprising the Head Office, 35 Branch Offices, and 170 Sub-Branch

Offices – as at the end of 2007 are sufficient to serve customers effectively. Hence, the Bank can concentrate

on improving and enhancing the work processes for optimal service performance in its office network.

Beyond the office network, UOB Buana operated more than 100 Automated Teller Machines (ATMs) by end-

2007. The Bank’s customers also have access to more than 18,000 ATMs across Indonesia in the ATM Bersama

and ATM Prima networks, around 1,000,000 Visa Plus ATMs across the world, as well as the UOB Group’s

ATMs in the Malaysia, Singapore and Thailand.

In addition, customers can access UOB Buana’s Call Center as well as banking services through a cellular

phone’s short message service (SMS). In the near future, UOB Buana will consider launching an Internet

banking service, following the growth in its consumer banking business.

3 4

CORPORATE GOVERNANCE


Corporate Governance

The practice of Corporate Governance is crucial for UOB Buana. The Boards of Commissioners and Directors

recognize the importance of good corporate governance in sustaining the business and increasing value for

shareholders and other stakeholders.

The Bank’s corporate governance policies and practices are described below.

General Meeting of Shareholders

As per the Bank’s Articles of Association, the General Meeting of Shareholders (GMS) constitutes the highest

authority of the Bank. It approves the appointments and resignations of Commissioners and Directors,

gives resolutions on important policies and actions of the Bank, and votes on issues requiring the resolution

of the GMS. The Bank holds an Annual General Meeting of Shareholders (AGMS) once a year, and Extraordinary

General Shareholders Meetings (EGMS) as needed.

Board of Commissioners (BOC)

In line with UOB Buana’s Articles of Association, the BOC is responsible for monitoring the Board of Directors

(BOD) in the running of the Company and advising the BOD on their duties and authority as stipulated

in the Articles of Association.

In summary, the BOC:

The BOC has three board committees to assist in the effective discharge of specific responsibilities. They are

the Audit Committee, Risk and Monitoring Committee, and the Remuneration and Nomination Committee.

The membership, duties and responsibilities of these three committees are set out in the subsequent pages

of this report.

• reviews and approves business plans and budgets;

• monitors financial performance;

• determines capital structure;

• approves major acquisitions and divestments; and

• reviews the risk management framework.


BOC Composition and Independence

The BOC consists of five members, including the President Commissioner, the Vice President Commissioner

and an Independent Commissioner. The BOC members are:

To meet the prevailing corporate governance criteria, the Bank is in the process of increasing the number of

Independent Commissioners to four.

Board of Directors

The BOD is responsible for achieving the business targets of the Bank that have been approved by the BOC.

The BOD also:

The Compliance Director is responsible for implementing good corporate governance and ensuring the

Bank’s compliance with prevailing rules and regulations.

The BOD has nine management committees to assist in the effective discharge of specific responsibilities.

They are the Assets and Liabilities Committee, Credit Policy Committee, Risk Management Committee,

Information Technology Committee, Human Resources Committee, Business Continuity Management

Committee, Computer Security Committee, Executive Committee and Credit Committee.

Wee Cho Yaw


Karman Tandanu

Wee Ee Cheong

Rusdy Daryono

: President Commissioner

: Vice President Commissioner

: Commissioner

: Commissioner

: Independent Commissioner

• sets direction and business strategy;

• draws up business plans and budgets; and executes these plans accordingly;

• reviews quarterly results against the annual budget;

• provides leadership and vision to employees;

• performs risk management and internal controls; and

• sets company values and standards


: President Director

: Vice President Director

: Director

: Director

: Director

: Director

: Director

: Director

: Director

: Compliance Director

BOD Composition

The BOD consists of ten members, including the President Director and the Vice President Director. The BOD

members are:

Board Competency

The Remuneration and Nomination Committee has assessed the specific qualities and skills of the

Commissioners and Directors and is of the view that they possess the necessary skills for the Bank’s business.

Detailed information on the Commissioners’ and Directors’ experience and qualifications can be found

on pages 16 and 21.

The Commissioners and Directors have the opportunity to attend training courses and seminars. A budget

is set aside yearly for Board members’ training needs. New Commissioners and Directors are given guidance

on the duties and responsibilities of the Boards and relevant regulatory requirements. Board members may

also request independent professional advice to aid in the discharge of their duties.

Board Meetings

The BOC holds four scheduled meetings a year. Additional meetings may be held to deal with specific matters

in between scheduled meetings where necessary. BOD meetings are scheduled more frequently and when

needed, additional meetings are held.

Prior to Board meetings, members are provided with meeting materials, specifically financial reports, to enable

them to discharge their duties. The financial reports provide detailed information on the Bank’s performance

against budgeted and actual results and explanations of any material variance. Commissioners may request

additional information or seek clarification on any matter concerning the Bank from management.

Armand B. Arief

Wang Lian Khee


Eddy Muljanto

Pardi Kendy


Ishak Sumarno

Hsu Francis

Goh Seng Huat

Soehadie Tansol


Board members have access to advice from the Corporate Secretary. The Corporate Secretary keeps the Boards

informed of relevant laws and regulations and updated on corporate governance matters.

The President Commissioner and President Director

The President Commissioner provides leadership to the BOC and ensures that Board meetings are conducted

regularly. The President Director is responsible for the day-to-day running of the Bank and ensures that the

BOD’s decisions and strategies are carried out effectively. Mr. Wee Cho Yaw has been the President Commissioner

of the Bank since December 2005. He is a career banker with over 40 years of experience in various senior

banking positions. He has served as a board member of UOB since May 1958. Mr. Armand B. Arief has served

as President Director of the Bank since September 2007. He is a career banker with over 35 years’ experience

in the banking industry and consumer goods market.

BOC Committees

The three committees which assist the BOC in the discharge of specific functions are:

1. Remuneration and Nomination Committee

The Remuneration and Nomination Committee (RNC) reviews nominations of commissioners and directors

for appointment to the Boards and Board Committees and to the key positions of President Director,

Vice President Director and Director.

The RNC meets at least once a year and reviews its membership annually. The Committee reviews nominee

Commissioners or Directors based on a set of eligibility criteria. Nominated candidates are assessed by the

BOC against a range of criteria including background, experience, professional skills, personal qualities and

their availability to commit themselves to the Board’s activities.

The RNC reviews the remuneration policy of the Directors and Commissioners, and makes its recommendation

to the BOC, which in turn will place the fees as a lump sum for shareholders’ approval at every AGMS.

Total remuneration for Board members in 2007 is Rp 18.06 billion.

The RNC comprises:

: Rusdy Daryono

: Lee Chin Yong Francis

Marulam Sitohang

Chairman

Members


2. Audit Committee

The Audit Committee reviews the financial statements, the internal and external audit plans and audit reports,

the external auditors’ evaluation of the system of internal accounting controls, the scope and results of the

internal and external audit procedures, the adequacy of internal audit resources and the cost effectiveness,

independence and objectivity of the external auditors.

Annually, the Committee proposes the nomination of external auditors to the BOC. The Committee has

nominated the Public Accounting Firm of Purwantono, Sarwoko & Sandjaja, a member firm of Ernst & Young

Global, for re-appointment as the Bank’s auditors for shareholders’ approval at the forthcoming AGMS.

The Committee also reviews with the internal and external auditors their evaluation of the Bank’s internal

control systems and risk management processes, and reports the results of its review to the BOC. The BOC

derived reasonable assurance from reports submitted to it that the internal control systems, including financial,

operational and compliance controls and risk management processes, which are designed to enable the

Bank to meet its business objectives while managing the risks involved, are adequate for the Bank’s business

as presently conducted.

As at December 31, 2007, the Audit Committee comprises:

3. Risk Monitoring Committee

The Risk Monitoring Committee is not yet effective pending the appointment of The Independent Commissioners.

The role of risk monitoring is done by the Risk Management Division under direct supervision of the

President Director.

Chairman

Members

: Rusdy Daryono

: Thomas Abdon

Winny Widya


BOD Committees

There are nine committees that assist the BOD to implement their duties and responsibilities effectively.

In summary, the duties and responsibilities of the committees are as follows:

1. Assets and Liability Committee is responsible for developing the Bank’s risk management policies

and strategies related to market and liquidity risk.

2. Credit Policy Committee is responsible for formulating the Credit Policy and evaluating the implementation

of the maximum credit limit and compliance to existing rules in providing credit.

3.Risk Management Committee is responsible for formulating the Risk Management Policies and

Implementation Guidelines and ensuring that the Bank’s operational/business activities do not cause

excessive losses that can have adverse impact on the Bank’s business.

4. Information Technology (IT) Committee is responsible for creating policies regarding the optimum and

effective implementation of information technology.

5. Human Resources Committee is responsible for setting and evaluating all strategic policies related

to human resources including the strategy to retain and develop quality human resources.

6. Business Continuity Management Committee is responsible for ensuring that Business Continuity

Management (BCM) policies are effectively implemented, evaluating BCM developments, as well as providing

solutions for BCM issues that have not been completed.

7. Computer Security Committee is responsible for developing IT security policies, monitor and IT usage.

8. Executive Committee is responsible for assisting the BOD in administering the Bank’s annual budget and

overseeing senior management’s business plans.

9. Credit Committee is responsible for assisting the BOD in the reviewing and approving of loans and

other loans-related matters.


Internal Audit

The internal audit function of the Bank is performed by the Internal Audit Division. The Division reviews all

the Bank’s units and operations, prioritizing its audits according to its assessment of risks. The Division’s

responsibilities include, but are not limited to the audit of operations, lending practices, financial controls,

management directives, regulatory compliance, information technologies and the risk management processes

of the Bank.

Risk Management

The BOD has the overall responsibility of determining the type and level of business risks that the Bank

undertakes. Risks are identified, measured, monitored and managed within a robust risk management

framework and returns must commensurate with the risks taken. The key risks which the Bank manages

are credit and country risk, balance sheet risk, liquidity risk, market risk and operational risk.

The BOD counts on the Risk Management Committee to advise and assist the Board in managing

and mitigating risks.

Corporate Secretary

The Corporate Secretary, in line with prevailing regulations, is responsible for communicating information

related to the condition and performance of the Bank to the relevant parties.

The Corporate Secretary attends and takes minutes of all Board meetings and ensures that Board procedures

and all applicable regulations on governance are complied with.

Communication with shareholders

Information and notices, including the Bank’s financial statements and annual report to shareholders,

are either published in the press or sent to shareholders. Shareholders are given the opportunity to raise

relevant questions and communicate their views at shareholders’ meetings.

4 1

BOCMeetings

BODMeetings


Board Attendance in 2007

Jimmy K. Laihad

Armand B. Arief

Wang Lian Khee


Eddy Muljanto

Ishak Sumarno

Pardi kendy


Aw Tee Woo

Goh Seng Huat

Soehadie Tansol

Hsu Francis

Wee Cho Yaw


Karman Tandanu

Wee Ee Cheong

Quek Cher Teck

Rusdy Daryono

Marulam Sitohang

44

4444141444

1*41*4

4*4

925

725

22252125212519252125

1825

4252225

2325

725

22

2222

2*2

2*2

AHAH

AHAHAHAHAHAHAHAH

AH

AHAH

AH

AHAHAHAHAH

--

------------

--

--

------

--

--

--

--

--

--

--

--

--

--

------

--

----

------

A. Attendance during meetingsH. Number of meetings held* By Invitation

Remuneration &Nomination

Committee Meetings

4 3

CORPORATE SOCIAL RESPONSIBIL ITY


Engaging Our Communities in Sustainable Development

Sustainable development has become synonymous with the interests of businesses and corporations withlong-term growth horizons. Hence, we take it upon ourselves to operate in a socially responsible and consistentmanner that is in the best interest of all stakeholders. That is why we take our Corporate Social Responsibility(CSR) seriously.

We understand that our broader responsibilities help us gain and keep the trust and confidence of ourstakeholders in our ability to sustain our growth indefinitely. They underpin our commitment to socialdevelopment and supporting issues that affect the communities in which we operate.

As part of our CSR activities, UOB Buana provided scholarships to 208 children of the Bank’s employeesfor their elementary and junior high school education for the 2007/2008 school-year. We also visitedseveral orphanages in Jakarta and Serang and donated staple goods. With the cost of living increasing in linewith the price of oil, UOB Buana tries to lighten the burden of its rank-and-file employees by providingthem with sembako for their household needs. To commemorate the Idul Adha holiday, UOB Buana held afeast in conjunction with the ’Sacrifice (Qurban)’ event for the Bank’s employees and local people at the endof the year.

Also in 2007, among several cultural and philanthropic activities, UOB Buana demonstrated its commitmentto the Children of Tomorrow program which is run by AIESEC, a non-profit global organization of universitystudents and recent graduates dedicated to developing young people throughout the world.

The partnership with AIESEC represents UOB Buana’s new direction in its CSR activities towards long-termdevelopment programs in education, social progress as well as economic empowerment.

4 4

AUDIT COMMITTEE ACTIVITY REPORT

Audit Committee Composition

Rusdy Daryono

Name

Hendra Tedjajana

Thomas Abdon

Winny Widya

From 15 January 2002 to21 June 2007

From 15 January 2002 to21 June 2007

33

18

18

15

9

Total Attendance

On 22 August 2006

On 22 June 2007

Appointment

On 22 June 2007

100

55

55

45

27

Attendance%


Reviewed the 2006 financial statements, annual report and quarterly financial statements for publication;Evaluated the Independent Auditor’s work and provided recommendation for appointment at the AGMS;Monitored audit implementation and discussed audit findings with the Independent Auditor;Regularly discussed Internal Audit’s findings;Discussed the annual workplan for Internal Audit Division for the upcoming year; andProvided recommendation to the Board of Commissioners regarding the appointment of the headof Internal Audit division.

In 2007, the Audit Committee held 33 meetings. Each meeting met the quorum of representation by members.The meetings were the implementation of the Audit Committee’s workplan which was approved by the Boardof Commissioners.

Activities Performed by Audit Committee

During the year, the Audit Committee:

Audit Committee

Rusdy DaryonoThomas AbdonWinny Widya

: Independent Commissioner as Chairman: Independent Member: Independent Member

Audit Committee Members

On June 22, 2007, at the Annual General Meeting of Shareholders (AGMS), the Board of Commissioners

reported the appointment of two new Audit Committee members: Thomas Abdon and Winny Widya.

They replace Theodorus Lufti and Hendra Tedjajana who already served two terms. Rusdy Daryono maintained

his office as the Chairman of the Audit Committee.

1.2.3.4.5.6.

Based on the activities as set out above, the Audit Committee did not identify any significant issues to bereported in the annual report.

Theodorus Lufti

4 5

PROFILE OF AUDIT COMMITTEE MEMBERS


Rusdy Daryono, Chairman

Thomas Abdon, Member

Winny Widya, Member

Indonesian citizen. Born in 1942. Graduated from Extension Program Economic Facultyin Indonesia University, Jakarta with a Bachelor of Economics in Management. Participatedin various seminars and work training in banking and finance. Start his career as anAccountant Assistant at Drs. B. Soenasto Accountant Office, Jakarta from 1965 to 1969.

Joined ABN Amro Bank, Jakarta in its Accounting Division from 1969 to 2000. Heldvarious positions, with his last position as Department Head of Accounting Divisionand Officer in Internal Audit ABN Amro Bank. Joined UOB Buana Accounting and FinanceDivision from 2001 until June 2007.

Indonesian citizen. Born in 1952. Graduated from Indonesia University with a Bachelorof Economics in Accounting. Participated in various overseas seminars and job trainingin banking and finance. Started her career at PT Lippo Indah, Jakarta as an InternalAuditor in 1980 and as an Accountant in PT National Union Steel, Jakarta the same year.

Joined UOB Buana as Head of Administration Division from 1981 to 1995. Head ofInternal Audit Working Unit from 1995 to 1996. Head of Accounting and Finance Divisionfrom 1996 to 2004.

Profile of Mr. Rusdy Daryono can be found on page 17

4 6

PROFILE OF REMUNERATION & NOMINATION COMMITTEE MEMBERS


Marulam Sitohang, Member

Citizen of Indonesia. Born in 1962. Graduated from Gajah Mada University, YogyakartaFaculty of Psychology and received his Masters degree from Indonesia University PostGraduate Program with a Major in American Studies. Participated in various seminarsand work training in banking and finance both in Indonesia and abroad.

Started his career at PT Sepatu Batu Bata in 1986 as Recruitment & Training Manager.Then in 1990 as Management Development Manager at PT Bank Niaga. He was HumanResource Manager at Indofood from 1992 until 1996.

In 1996, he joined Rothmans as Human Resource Director. In 1997, he became ManagingPartner at Ortano Consulting. He was Human Resource Director at Glaxosmithklinefrom 1999 until 2007. Joined UOB Buana in early May 2007 as Division Head of HumanResource Department.

Rusdy Daryono, Chairman

Lee Chin Yong Francis , Member

Profile of Mr. Lee Chin Yong Francis can be found on page 16

Profile of Mr. Rusdy Daryono can be found on page 17

4 7

PROFILE OF CORPORATE SECRETARY


* Effective since January 2008

Susan Kwanto*

Indonesian citizen. Born in 1970. Graduated from Sriwijaya University, Palembangwith a Bachelor of Economics degree in 1992. Participated in numerous banking,finance, leadership and management training programs and seminars both in Indonesiaand abroad. Started her career in UOB Buana in 1992 as Export Staff and held variousother senior positions from 1995 until 2004. Appointed as Corporate Planning DivisionHead in September 2005.

4 8

RISK MANAGEMENT


Risk Monitoring and Management

One of the key agenda of UOB Buana’s transformation into a leading consumer and retail commercial bank

in Indonesia is the development of a risk management framework and mechanism that will be responsive

to the demands and rigors of the Bank’s business growth. With technical support and active involvement of

the UOB Group, UOB Buana continues to develop a more integrated, robust and holistic risk management

system and infrastructure that meet international best practice standards adhered to by the UOB Group.

This includes the efforts to comply with Basel II requirements in line with the timetable for implementation

that has been set by Bank Indonesia.

The various risk management activities within the scope of UOB Buana’s operations take place in an integrated

framework that comprises an adequate internal control system, effective communications and information

management, standardized systems and procedures for various operations, and adherence to proven risk

management practices. All these steps make it possible for UOB Buana to monitor and manage the wide

variety of risks in a more integrated and effective manner. The categories of risks constantly monitored by

UOB Buana are credit, market and operational risks that are in line with the Basel II risk framework, as well

as more specific risks related to operational activities that include liquidity, legal, reputational, compliance

and strategic risks as stipulated by Bank Indonesia.

Credit Risk

Credit risk arises when debtors cannot meet their financial obligations to the Bank. These obligations are

related to the Bank’s credit, trade financing and treasury activities. In managing credit risk, UOB Buana has

implemented several risk prevention and management policies. They include setting safety limits on the

disbursement of these credits based on the prospect of a debtor’s business, its market segmentation as well

as the viability of the industry to which the business belongs. All credit policies as well as credit risk mitigation

steps have been compiled into a set of written credit policies that are regularly evaluated, adjusted and

improved in accordance with market dynamics. The evaluation and formulation of the credit policy fall under

the responsibility of the Credit Policy Committee which reports directly to the Board of Commissioners.


Market Risk

Market risk arises as a result of fluctuations or volatilities in the money or stock market that affect movements

in interest rates, foreign currency exchange rates and securities valuation. These movements may have an

adverse effect on the value of the Bank’s marketable securities portfolio or net open position from time to

time. In managing market risk, UOB Buana applies widely-used risk measurement regimens such as routine

monitoring of Value-at-Risk (VAR) and stress testing of various market risk tolerance thresholds. In addition,

UOB Buana has set various limits on its treasury activities in order to prevent the possibility of excessive

exposure to any single security or market transaction that carries potentially high risks. The monitoring of

market risk and the formulation of appropriate mitigation policies are essentially the responsibilities of the

Assets and Liabilities Committee, which is also responsible for monitoring the sound management of the

Bank’s assets and liabilities.

Operational Risk

Operational risk is the result of inadequate or dysfunctional internal processes, faulty work or negligent

personnel, system failure, fraud and any other factor beyond the control of the Bank. UOB Buana continuously

exerts efforts to anticipate and control the various risk factors that can impact negatively on the Bank’s

operations. This is accomplished, among other things, by ensuring that employees are qualified to do their

respective jobs, and that all work activities are carried out under the correct systems and procedures that have

been set in the official work guidelines and manuals. Operational risk analyses are carried out in order to

prevent repetitive failures or errors, and to mitigate their negative impact. To ensure the continuity of

basic banking services in times of emergency, UOB Buana has improved its Business Continuity Plan (BCP).

In the event of an earthquake, a flood or another form of emergency, UOB Buana’s BCP will automatically

kick in to ensure continuity of service. Included in this BCP is an improved Disaster Recovery Center to ensure

uninterrupted data management and preservation of the information technology system in any emergency

situation.


Liquidity Risk

Liquidity risk occurs when the Bank cannot meet its financial obligation on the maturity date or when payment

is due. Liquidity risk management is carried out holistically, which among other things comprises gapping

analyses between funding and lending, capital adequacy analysis and defining optimum asset liquidity

level, including capital that is invested by the Bank in marketable securities that can be bought or sold at

any time.

Legal Risk

Legal risk is closely related to the possibility of a lawsuit against the Bank, as a result of a weak or inadequate

legal framework, the lack of corroborating proof of transactions, and narrow stipulation of obligations in the

clauses of contracts on credit and other financial transactions. As a result, UOB Buana continuously strives

to ensure that all its activities and working relations with related parties are based on mutual agreements

and terms of conditions that are set to protect the Bank from any future legal suits that may arise thereof.

Reputational Risk

Reputational risk arises as a result of one-sided news reporting or negative public opinion that can reduce

the number of customers or decrease the Bank’s income. In managing reputational risk, UOB Buana strives

to be open and transparent in all its dealings through various public relations programs and public exposures

that fall under the responsibility of the Corporate Secretary.

Compliance Risk

Compliance risk is related to the Bank’s inability to comply with regulations, such as those related to

capital adequacy ratio, non-performing loan ratio and net open position. Failure to comply with these

regulations can bring about the obligation to pay fines, reprimand from the relevant authorities, or reputational

loss. In managing compliance risk, UOB Buana closely scrutinizes all business activities and ensures that these

activities fully adhere to and comply with prevailing external rules and regulations as well as internal policies

and procedures.


Strategic Risk

Strategic risk is related to potential losses that may be caused by faulty business judgments and decisions,

bad business strategies or the Bank’s inability to seize new opportunities or adapt to external environmental

changes. In managing strategic risk, UOB Buana gathers important information on business developments

and monitors market movements, in addition to adhering to prudent principles when considering all factors

that go into the decision-making process in the context of risk management and mitigation.

In 2007, in accordance with Bank Indonesia’s regulation, UOB Buana made a full assessment of its risk profile,

taking into account all the eight risk factors mentioned above. On the basis of this risk profile, the Bank

developed an appropriate risk management strategy and took steps to improve its risk management competency.

Most of these steps were initiated in 2006 and enhanced continuously in 2007, especially in the areas of risk

management, human resources and information technology.

Thus far, UOB Buana’s efforts to improve its risk management and internal control frameworks and

implementation have made progress during 2007. In terms of human resources, UOB Buana continues to

develop and employ training programs that are designed to improve employees’ technical competencies in

various risk management procedures, and instill risk awareness at all levels of the Bank.

5 2

MANAGEMENT’S ANALYSIS AND DISCUSSION

Main Profit and Loss Components

Interest income including fees and commissions on loansInterest expenses including Government bank guarantee premium expensesNet Interest IncomeOther Operating IncomeRecovery (provision) for posible losses on assets and Estimated losses on Commitment and contingenciesOther Operating ExpensesOperating IncomeNon-operating Income (expenses) - netNet Income before TaxIncome Tax

Net Income

December 31(in billions of Rupiah)

Increase/ (Decrease)2007Rp %

2006

(15.89)

(32.56)(1.54)15.10

(155.42)14.681.75

(120.28)2.923.43

2.70

(346.95)

328.83(18.12)18.90

103.48(93.91)10.356.82

17.17(6.11)

11.06

1,836.77

(681.07)1,155.70

144.04

36.90(733.41)603.23

1.15604.38

(184.08)

420.30

2,183.72

(1,009.90)1,173.82

125.14

(66.58)(639.50)592.88(5.67)

587.21(177.97)

409.24


RpRp

The following is a brief analysis of the operations and financial results of PT Bank UOB Buana Tbk. for the

year ended December 31, 2007. Corresponding financial data from 2006 are presented for comparison and

analytical purposes.

RESULTS OF OPERATIONS

Net Income

The Bank earned a net income of Rp 420.30 billion in 2007, an increase of Rp 11.06 billion, or 2.70%,

from Rp 409.24 billion in 2006. The following table shows the main profit and loss components:

Interest Income

Interest income is derived from the Bank’s outstanding loans, marketable securities portfolio, placements and

demand deposit with other banks, and includes fees and commissions earned on loans disbursement. In 2007,

total interest income amounted to Rp 1,836.77 billion, a decrease of Rp 346.95 billion, or 15.89%, from

Rp 2,183.72 billion in 2006.

Interest income from loan assets posted a decline of Rp 188.05 billion, or 11.65%, from Rp 1,614.52 billion

in 2006 to Rp 1,426.47 billion in 2007, despite a 22.29% increase in total loans outstanding as at year-end

from Rp 10,349.81 billion to Rp 12,656.95 billion. This indicated that the competitive bank interest rate

environment in 2007 was behind the decline of the Bank’s interest income from loan assets. In a similar


development, interest income from marketable securities decreased by Rp 139.83 billion, or 35.22%,

from Rp 397.05 billion in 2006 to Rp 257.22 billion in 2007. The decrease resulted primarily from the decline

in the prime Bank Indonesia Certificate (SBI) rate and as a result of lower yields from other marketable securities

that prevailed during the year.

Interest Expenses

Interest expenses, including Government bank guarantee premium expenses, amounted to Rp 681.07 billion

in 2007, a decrease of Rp 328.83 billion, or 32.56%, from Rp 1,009.90 billion in 2006. This was mainly due

to the lower average interest rate on deposits that prevailed in 2007 compared to 2006. Interest expense on

third-party deposits comprising of demand deposits, savings and time deposits, accounted for the bulk of

the Bank’s interest expenses, totaling Rp 576.01 billion in 2007, a decrease of Rp 338.05 billion, or 36.98%,

from Rp 914.06 billion in 2006.

Net Interest Income

As a result of the above, net interest income in 2007 amounted to Rp 1,155.70 billion, a decrease of Rp 18.12

billion, or 1.54%, from Rp 1,173.82 billion in 2006. The ratio of net interest income to average earning assets

was 7.07% in 2007, compared to 7.65% in 2006.

Interest Revenue and Expenses


Increase/ (Decrease)20062007

Interest ExpensesDemand depositsSavings AccountsTime depositsDeposits from other banksBank guarantee premium expensesSubordinated bondsOthers

Interest RevenueLoansPlacements with other banksMarketable Securities Bank Indonesia Certificates Other Marketable securitiesDemand Deposits with other banksProvision and Commissions

Rp %Rp %Rp %

Total Interest Revenue

Total Interest Expenses

(188.05)(21.35)

(139.83)(22.32)

(117.51)(6.41)8.69

(11.65)(23.25)(35.22)(10.81)(61.65)(36.32)13.86

(18.24)(74.49)

(245.32)12.60(2.06)(0.41)(0.91)

1,426.4770.49

257.22184.1273.1011.2371.36

77.663.84

14.0010.023.980.613.88

10.2024.6749.715.753.625.780.28

69.45168.01338.5539.1724.6639.341.89

(346.95) (15.89)1,836.77 100.00

(328,83) (32.56)681.07 100.00

1,614.5291.84

397.05206.44190.6117.6362.68

73.934.21

18.189.458.730.812.87

8.6824.0157.812.632.653.940.28

87.69242.50583.8726.5726.7239.752.80

2,183.72 100.00

1,009.90 100.00

(20.80)(30.72)(42.02)47.42(7.71)(1.03)

(32.50)


Other Operating Income

Total other operating income amounted to Rp 144.04 billion in 2007, an increase of Rp 18.90 billion,

or 15.10% from Rp 125.14 billion in 2006. The increase was primarily a result of a significant rise in volume

of credit card business.

Other Operating Expenses

Other operating expenses comprise of general and administrative expenses, and personnel expenses. In 2007,

other operating expenses amounted to Rp 733.41 billion, an increase of Rp 93.91 billion, or 14.68%,

from Rp 639.50 billion in 2006.

General and administrative (G&A) expenses increased by Rp 32.57 billion, or 12.68%, from Rp 256.94 billion

in 2006 to Rp 289.51 billion in 2007, mainly reflecting increases in G&A expenses related to the Buana-UOB

integration process which continued to proceed at full pace in 2007.

Personnel expenses, which comprised of salaries and employees’ benefits, increased by Rp 61.34 billion, or

16.03 %, from Rp 382.56 billion in 2006 to Rp 443.90 billion in 2007, mainly due to the increase of the

Bank’s personnel headcount from 5,665 to 5,997 people in 2007, as well as salary and benefits adjustment

to compensate for inflation rates and living costs.

75.55

25.67

6.4236.40

144.04

36.90(443.90)(289.51)(733.41)

(552.47)

52.45

17.82

4.4625.27

100.00

60.5339.47

100.00

70.14

24.90

16.1813.92

125.14

(66.58)(382.56)(256.94)(639.50)

(580.94)

56.05

19.90

12.9311.12

100.00

59.8240.18

100.00

5.41

0.77

(9.76)22.4818.90

103.48(61.34)(32.57)(93.91)

(28.47)

7.71

3.09

(60.32)161.4615.10

(155.42)16.0312.6814.68

(4.90)

Other Operating IncomeFees and commissions on non-credit transactionsGain on securities sold and form changes in fair value of trading securitiesGain on foreign exchange transactions - netOther Income - netTotalOther Operating ExpensesProvision for Possible Losses on Assets and Estimated Losses and Commitments and ContingenciesPersonnel expensesGeneral and administrative expensesTotalTotal Other Operating Income and Expenses - Net

Other Operating Income and Expenses


Increase/ (Decrease)20062007Rp %Rp %Rp %


Demand Deposits with other banks

Placements with other banks

Marketable Securities:

Bank Indonesia Certificate

Other Marketable securities

Loans Outstanding

Derivative receivable, acceptances

receivable and investment

Earning Assets


Increase/ (Decrease)20062007Rp %

Total

78.55

(545.16)

(467.47)

(442.17)

(25.30)

2,307.14

(4.01)

1.02

5.27

18.22

13.71

4.51

75.35

0.15

170.63

885.39

3,060.76

2,303.40

757.36

12,656.95

24.67

85.31

(38.11)

(13.25)

(16.10)

(3.23)

22.29

(13.98)

0.60

9.27

22.87

17.79

5.07

67.08

0.19

92.08

1,430.55

3,528.23

2,745.57

782.66

10,349.81

28.68

1,369.0516,798.40 15,429.35 8.87100.00 100.00

Rp % Rp %

Provision for (Reversal of) Loss Allowances

The Bank recorded a reversal of provision for possible losses on earning assets and estimated losses on

commitments and contingencies amounting to Rp 36.90 billion in 2007, compared to a loss provisioning

expense of Rp 66.58 billion in 2006. The decrease in possible loan loss provisioning was mainly due to the

improving quality of the Bank’s loan assets portfolio. The Bank was able to post a reversal on its provision

for loss allowances by adhering to more rigorous and stringent credit approval processes that resulted in the

quality improvement of its loan assets in 2007 compared to 2006.

FINANCIAL POSITION

The total assets of the Bank increased by Rp 1,403.97 billion, or 8.33%, from Rp 16,856.12 billion in 2006

to Rp 18,260.09 billion in 2007; whole total liabilities increased by Rp 1,114.65 billion, or 8.20%, from

Rp 13,587.79 billion to Rp 14,702.44 billion over the same period. Total shareholders’ equity increased by

Rp 289.32 billion, or 8.85%, from Rp 3,268.33 billion in 2006 to Rp 3,557.65 billion in 2007.

Earning Assets

Total earning assets of the Bank amounted to Rp 16,798.40 billion at year-end 2007. This constituted an

increase of Rp 1,369.05 billion, or 8.87%, from Rp 15,429.35 billion in 2006. The following table compares

the Bank’s different earning assets in 2007 versus 2006, and their respective growth.

5 6

Agriculture and Agriculture

infrastructure

Mining

Industrial

Electricity, Gas and Water

Construction

Trading, Restaurant and Hotel

Transportation, Communication

& Warehousing

Business Services

Social Services

Others


Growth20062007Rp %Rp %Rp %

Loans Disbursement by Economic Sector

Total

68.35

40.01

2,409.90

1.61

180.17

5,123.60

405.37

1,290.49

74.37

3,063.08

0.54

0.32

19.04

0.01

1.42

40.48

3.20

10.20

0.59

24.20

(1.35)

(3.02)

194.25

0.07

(9.58)

877.37

140.96

287.18

(7.21)

828.47

(1.94)

(7.02)

8.77

4.55

(5.05)

20,66

53.31

28.62

(8.84)

37.07

69.70

43.03

2,215.65

1.54

189.75

4,246.23

264.41

1,003.31

81.58

2,234.61

0.67

0.42

21.41

0.01

1.83

41.03

2.55

9.69

0.79

21.59

12,656.95 100.00 2,307.14 22.2910,349.81 100.00


Outstanding Loans

Total outstanding loans as at year-end 2007 amounted to Rp 12,656.95 billion, up from Rp 10,349.81 billion

a year earlier. A loosening of the credit market as a result of lower interest rates in 2007 versus 2006 provided

the backdrop for the considerable growth of total outstanding loans in 2007. However, the Bank continued

to lend with prudence while also maintaining the quality of its loan assets. Loan disbursement to the three

largest sectors amounted to Rp 8,823.99 billion, accounting for 69.72% of the total loans portfolio as at

year-end 2007. This accounted for the Trading, Restaurant & Hotel, Industrial and Business Services sectors.

However, the Bank managed to improve the distribution of loans among the various sectors, in which no

particular sector commands more than 50% share of the total loans portfolio. The following table shows

the distribution breakdown of loans by industry sectors.

A large segment of the Bank’s customers are commercial borrowers who have a great need for overdraft

facilities to finance their day-to-day business transactions. As a result, the Bank maintained a disproportionately

large portion of demand deposit overdraft facilities that amounted to Rp 4,959.23 billion, accounting

for 39.18% of the Bank’s total outstanding loans as at year-end 2007. The following table shows

the breakdown of the distribution of different loan types.

5 7

Current Account Overdrafts

Promissory Loans

Import Loans

Fixed Loans

Installment Loans

Housing Loans

Investment Loans

Motor Vehicle Loans

Export Loans

Multi-purpose Loans

Employee Loans

Syndicated Loans

Micro Business Loans

Credit Card Loans

Receivable Financing

Loans Disbursement by Loan type



Total

4,959.23

1,539.10

57.60

208.50

958.16

2,794.70

1,553.13

69.06

9.03

25.42

5.16

305.67

1.12

168.74

2.33

39.18

12.16

0.46

1.65

7.57

22.08

12.27

0.55

0.07

0.20

0.04

2.42

0.01

1.33

0.02

380.05

528.17

23.31

(123.41)

111.86

811.95

249.10

(96.66)

4.25

5.00

0.67

305.07

(0.36)

107.39

0.75

8.30

52.25

67.98

(37.18)

13.22

40.95

19.10

(58.33)

88.91

24.49

14.92

50,845.00

(24.32)

175.04

47.47

2,307.1412,656.95

44.24

9.77

0.33

3.21

8.18

19.16

12.60

1.60

0.05

0,20

0.04

0.01

0.01

0.59

0.02

4,579.18

1,010.93

34.29

331.91

846.30

1,982.75

1,304.03

165.72

4.78

20.42

4.49

0.60

1.48

61.35

1.58

10,349.81 22.29100.00 100.00


Meanwhile, working capital loans amounted to Rp 8,040.74 billion, accounting for 63.53% of total outstanding

loans as at year-end 2007. The amount of consumer loans continued to increase in size, reaching Rp 3,063.08

billion, accounting for 24.20% of total outstanding loans, in line with the Bank’s increasing focus on consumer

banking. The following table shows the breakdown of loans by different loan categories.

Loans Disbursement by Usage



Working CapitalInvestmentConsumer

Total

8,040.741,553.133,063.08

1,229.68249.10828.36

18.0519.1037.07

63.5312.2724.20

2,307.14 22.2912,656.95 100.00 10,349.81 100.00

6,811.051,304.032,234.73

65.8112.6021.59


Third-Party Funding

Total third-party funds as at year-end 2007 amounted to Rp 13,290.88 billion, an increase of Rp 825.46

billion, or 6.62%, from Rp 12,465.42 billion in 2006. The increase was attributed to the more aggressive and

successful marketing of the Bank’s liability products in connection with the accelerated development of its

consumer banking business. In addition to the increase in third party deposits, the Bank also benefited from

the continuing improvement of its CASA (current account savings account) ratio to total deposits, in which

the portion of time deposits declined by 4.36% year-on-year, while those of savings and demand deposits

increased by 2.70% and 1.66%, respectively. The following table breaks down the composition of the Bank’s

third party funds in 2007 and 2006.

Demand Deposit

Savings account

Time deposit

Third-Party Funds Composition and Number of Account

December 31(in billions of Rupiah) No.of Account

2007Rp % No.of Account

2006Rp %

Total

32,078

151,593

32,436

24.99

33.10

41.91

28,253

163,472

27,391

26.65

35.80

37.55

3,541.63

4,758.67

4,990.58

3,114.87

4,126.03

5,224.52

219,116100.0013,290.88 216,107100.0012,465.42

FINANCIAL LIQUIDITY AND CAPITAL RESOURCES

The Bank maintains adequate financial liquidity and capital resources by complying with

statutory financial ratios and capital adequacy requirements as set forth by Bank Indonesia. As a

majority-owned subsidiary of UOB International Investment Private Limited (UOBII) which is 100% owned

by United Overseas Bank Limited (UOB), the Bank must also consider the requirements stipulated by the

Monetary Authority of Singapore. The following discussions describe the Bank’s financial liquidity and capital

resources in 2007 compared to 2006.

Capital Adequacy

In 2007, the Bank posted an increase of 8.85% in the amount of total stockholders’ equity to Rp 3,557.65

billion. The increase resulted from the Bank’s retained earnings account that rose by Rp 297.53 billion

from 2006’s net income. The following table sets forth the Bank’s risk-adjusted capital adequacy ratio as at

year-end 2007 and 2006.

5 9

Subtotal

Total Capital (Tier I dan Tier II)

Calculation and Breakdown of CAR

Tier I Capital

Paid-up capital

Additional paid-up capital net

General reserves

Previous years net income

Current year net income

Long-term investments

Total Capital

Total Risk Weighted Assets

CAR

Percentage of Tier-I capital

CAR (BI requirement)

Tier II Capital

Revaluation increment on fixed assets

Allowance for possible losses on earning assets

Subordinated bonds


Growth2006RpRp

2007Rp

Subtotal

3,224.67

(0.03)

3,752.82

13,431.57

27.94%

24.01%

8.00%

1,663.34

812.60

30.00

225.77

201.28

103.28

137.53

297.00

(0.03)

3,470.77

11,258.85

30.83%

26.05%

8.00%

1,663.34

812.60

32.50

503.06

213.18

528.18

2,932.99 291.68

(0.00)

(0.00)

2.50

277.29

11.90

103.28

127.90

297.00

0.00

(9.63)

0.00

537.81 (9.63)

3,752.85 3,470.80 282.05

0.00

282.05

2,172.72

(2.89%)

(2.04%)


Quality of Earning Assets

As at year-end 2007, the balance of allowance for possible losses on total loan assets amounted to Rp 201.47

billion, accounting for 1.59% of the Bank’s total outstanding loan assets. The corresponding figures in 2006

were Rp 241.37 billion and 2.33%, respectively.

11,875.50

359.00

66.51

29.66

326.28

12,656.95

182.20

64.13

(5.34)

1.70

(1.32)

241.37

241.37

(34.85)

(6.78)

1.09

0.64

201.47

6 0

Loan Quality Classification

Current

Special Mention

Substandard

Doubtful

Loss

Total Non Performing Loans

NPL Ratio

422.45

3.34%

93.83

2.84

0.53

0.23

2.58

9,542.49

353.00

146.40

57.49

250.43

92.20

3.41

1.41

0.56

2.42

454.32

4.39%


2007Rp %

2006Rp %

Total 10,349.81 100.00100.00

Beginning balance

Provision during the year

Loans written off

Recovery of loans previously written off

Exchange rate differences

Balance at end of year

Allowance for Possible Losses on Loans


2007 2006Rp Rp


Total non-performing loans (substandard, doubtful and loss categories) amounted to Rp 422.45 billion as at

year-end 2007, accounting for 3.34% of the Bank’s total loan outstanding, compared to non-performing

loan (NPL) ratio of 4.39% in 2006. In both years, the Bank’s NPL ratios were well below the maximum limit

stipulated by Bank Indonesia for non-performing loans (net of loss provisioning) of 5% of total loans.


Legal Lending Limit

In disbursing loans to the retail sector and medium scale businesses, the Bank has always complied with

stipulated legal lending limits.

Net Open Position

The Bank’s Net Open Position (NOP) as at year-end 2007 was Rp 22.46 billion or 0.60% of its equity in nominal

amount while its corresponding position at year-end 2006 was at 0.60% of equity. In 2007 and 2006

the Bank’s NOP were in compliance with Bank Indonesia’s regulation.

Liquidity

As at year-end 2007, the Bank had liquidity reserves of Rp 3,662.87 billion, comprising Rp 219.14 billion in

cash and cash equivalents. Rp 1,063.33 billion in demand deposits with Bank Indonesia and with other banks,

Rp 77.00 billion in placement with Bank Indonesia and Rp 2,303.40 billion in Bank Indonesia Certificate.

These liquid reserves represented 27.56% of the Bank’s third-party funds at year-end 2007. The amount of

demand deposits with Bank Indonesia, amounting to Rp 892.70 billion was adequate to meet Bank Indonesia’s

regulation regarding the minimum demand deposit requirement.


Board of Commissioners

Board of Directors

Lee Chin Yong FrancisVice President Commissioner

Armand B. AriefPresident Director

Wee Ee CheongCommissioner

Karman TandanuCommissioner

Rusdy DaryonoIndependent Commissioner

Wang Lian KheeVice President Director

Aris Janasutanta SutirtoDirector

Pardi KendyDirector

Safrullah Hadi SalehDirector

Ishak SumarnoDirector

Goh Seng HuatDirector

Soehadie TansolCompliance Director

Hsu FrancisDirector

ACCOUNTABIL ITY STATEMENT OF COMMISSIONERS AND DIRECTORS

Board of Commissioners and Board of Directors of UOB Buana hereby take full accountability for the correctness

of this Annual Report and its Financial Statements and other related information by signing below :

Wee Cho YawPresident Commissioner

Eddy MuljantoDirector


6 4

This page is intentionally left blank


Financial Statements

With Independent Auditors’ Report

Years Ended December 31, 2007 and 2006

PT Bank UOB Buana Tbk.


1 4 3

* Subject to Final Approval by the Central Bank** Effective since January 2008

Retail Credit ApprovalPersonal Financial Services Credit ApprovalTrade Remittances & SettlementSystem & PolicyCentralized Credit OperationsCredit Card OperationsBranchesService Quality AssuranceChannel SupportSales ChannelsDeposit, Investment & InsuranceUnsecured ProductsMortgage & Secured LoanPrivilege BankingComplianceRisk ManagementHuman ResourcesLarge Commercial BusinessSmall and Medium Enterprise BusinessGlobal Market & Investment BusinessGlobal Market & Investment SupportAccounting & FinanceCorporate Secretary & Communications/Investor RelationsCorporate PlanningProperty & General ServicesInformation TechnologyLegalInternal Audit

Regional Office Head

Jakarta Regional OfficeWest Java Regional OfficeEast Java Regional OfficeCentral Java Regional OfficeSumatera Regional OfficeKalimantan Regional Office

SENIOR OFFICERS

: Yongky Irawan: Doddy Permadi Syarief: Yanto Ramli: Melani Misniwati: Januar Tedjo Kusumo: Basuki Tjahjono: Welhelmus Indra Widjaja: Arif Yulianto: Lukman Sulistya: Agus Setiawan Sutedjo: Jacking Edyanto Wijaya: Iwan Notowidigdo: Heintje Mogi: Lee Bon Teck (Freddy)*: Dewi Arimbi Kurniawati: Wahyu Suryadi: Marulam Sitohang: Lim Marjono: Chew Tjiong Kie: Bambang Eko Karjono: Alwil Lim: Karnadi Widodo: Susan Kwanto**: Susan Kwanto: Theo Kharisma: Adrianto Liauw: Maruba Sihaloho: Janti (Deputy Head)

: Ajeep Rasidi Bin Othman

: Antony: Didi Tjahjono Tirtokusumo: Iman Setijo Budi Utomo: Bambang Suradi: Ismanjah Kurniawan (Temporary Officer): Amir Abidin

Group Head

Credit Approval Group

Division Head


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1 4 5

PRODUCT AND SERVICES


1. Lending Products

• KPR Pondok Buana

• KPR Buana Plus

• KKB Oto Buana

• Multi Purpose Loan

• Overdraft Facility

• Promissory Notes

• Fixed Loan

• Import & Export Financing

2. Funding Products

• Time Deposits (Rupiah & Foreign Currency)

• Productive Savings

• Prioritas Savings

• Buana Plus Savings

• Current Account (Rupiah & Foreign Currency)

3. Services

• Letter of Credit

• Tax Payment

• Bank Guarantee

• Safe Deposit Box

• Payment Draft & Collection

• Bank Draft & Travelers’ Cheque

• Inward & Outward Transfer

• On-Line Bill Payment

• Mobile Banking

• ATM

• UOB Credit Card

• Debit Card

• Call Center

4. Investment Product

• Distribution Agent for Mutual Funds

• Distribution Agent for Discretionary Funds

5. Insurance Product

• Distribution Agent for Single &

Regular Premium Life Insurance

1 4 6

BRANCH NETWORK

Jembatan LimaJl. K.H. Mas Mansyur No. 165 ARt. 003 Rw. 02 Kel. Jembatan Lima,Kec. Tambora, Jakarta Barat 11250Tel. : (021) 6340565, 6335251,63859132-34Fax. : (021) 6291344

WAHID HASYIM BRANCHJl. K.H. Wahid Hasyim No. 89,Jakarta 10350Tel. : (021) 2303610 (Hunting)Fax. : (021) 2303611

Sub-Branches:Pondok IndahProyek Perumahan Pondok IndahBlok IS/E-IA dan IBJl. T.B. Simatupang, Jakarta SelatanTel. : (021) 75906165Fax. : (021) 75900185

Tanah AbangPusat Perdagangan Tanah AbangBukit Blok F No. 6-8Jl. K.H. Fahruddin No. 36, JakartaTel. : (021) 3803320, 3846171Fax. : (021) 373406

FatmawatiJl. Fatmawati Raya No. 1Rt. 001 Rw. 04, Jakarta 12150Tel. : (021) 7504770Fax. : (021) 7661333

SenenPusat Perdagangan SenenLantai 4 Blok I No. 11-12, Jakarta PusatTel. : (021) 4210826, 4211072,4252083, 4268271Fax. : (021) 4210461

BungurRuko Central BungurJl. Bungur Besar 42B,Gunung Sahari Selatan,Jakarta Pusat 10610Tel. : (021) 4250813, 4248841Fax. : (021) 4248844

DepokJl. Kartini No. 88 C-D, DepokTel. : (021) 7765236, 77202916-18Fax. : (021) 7765237

Pasar MingguJl. Raya Ragunan No. 11Pasar Minggu, Jakarta SelatanTel. : (021) 7804680, 78831562,7890439Fax. : (021) 7890438

Jembatan DuaJl. Jembatan Dua No. 139 A,Jakarta UtaraTel. : (021) 6631760-62Fax. : (021) 6610615

Muara KarangJl. Muara Karang No. 1RT. 019 RW. 02 (Kav. Blok Y3 BaratNo. 10), Jakarta UtaraTel. : (021) 6625967-69, 6601048Fax. : (021) 6606171

HARMONI BRANCHJl. Gajah Mada No. 1A, Jakarta 10130Tel. : (021) 63865927, 6330585Fax. : (021) 6324467, 6322373

Sub-Branches:PetojoJl. A.M Sangaji No. 25 E, Jakarta PusatTel. : (021) 6324562-63Fax. : (021) 6324562

Roxy MasJl. K.H. Hasyim Ashari Blok D4 No. 18Roxy Mas, JakartaTel. : (021) 63858204-07Fax. : (021) 63858207

Sawah BesarJl. Sukarjo Wiryopranoto No. 26,Jakarta PusatTel. : (021) 3853677, 2313678,2313479, 3453336, 3453337Fax. : (021) 3860602

Pasar BaruPusat Perbelanjaan Metro Pasar BaruJl. Samanhudi Lantai DasarNo. 112A-115 Jakarta PusatTel. : (021) 3500523, 3850468Fax. : (021) 3455719

K.H. M. MansyurJl. K.H. M. Mansyur No. 202 B,Jakarta BaratTel. : (021) 6332755, 6332756Fax. : (021) 6332759

Mangga BesarJl. Mangga Besar No. 68–68AJakarta Barat 11150Tel. : (021) 6594677, 6292150, 6292349Fax. : (021) 6293113

Pangeran JayakartaJl. Pangeran Jayakarta No. 126-129Blok A / 5, Jakarta Pusat 10730Tel. : (021) 62201905-907, 6016574Fax. : (021) 62201904

HEAD OFFICEJl. Gajah Mada No. 1A,Jakarta 10130Tel. (021) 63865927, 6330585 (Hunting)Fax. (021) 6324467, 6322373Website : www.uobbuana.com

ASEMKA BRANCHJl. Asemka No. 32-36,Jakarta 11110Tel. : (021) 6922901, 6922045,2601051, 2601055Fax. : (021) 2601033, 6924105,2601013, 6925946

Sub-Branches:Glodok PlazaKomp. Glodok Plaza Blok F No. 1-2Jl. Pinangsia Raya, Jakarta BaratTel. : (021) 6595026, 6596745,6280943-44Fax. : (021) 6280944

PluitJl. Pluit Kencana Raya No. 76,Jakarta UtaraTel. : (021) 6611770–71Fax. : (021) 6691163

Petak BaruJl. Petak Baru No. 25-26,Jakarta Barat 11110Tel. : (021) 6922115, 6922432, 6912224,6924069, 6901756-57, 6917410-11Fax. : (021) 6928086

Mangga DuaPusat Grosir Pasar Pagi Mangga DuaLt. III Blok BCNo. 011, 012, 012A & 014Jl. Mangga Dua Raya, Jakarta UtaraTel. : (021) 6255661, 2601031, 6127340Fax. : (021) 6127341

Soekarno-Hatta AirportTerminal D Arrival HallRuang Usaha No. D9 P14 & 15Tel. : (021) 5501182-83, 5506814Fax. : (021) 5501181

Terminal D Departure HallRuang Usaha No. D9 D60Tel. : (021) 5501184

Mangga Dua PlazaMangga Dua Plaza Blok F No. 5Jl. Mangga Dua Raya, Jakarta PusatTel. : (021) 6120086, 6120912, 6129128,6129129Fax. : (021) 6129130


1 4 7

Panglima PolimJl. Panglima Polim Raya No. 18 A-CKebayoran Baru, Jakarta Selatan 12130Tel. : (021) 7251603, 7202668,7251655 Fax. : (021) 7222187

Arteri Pondok IndahJl. Sultan Iskandar Muda(Arteri Pondok Indah) No. 18 FRT. 001 / RW. 002,Kel. Kebayoran Lama SelatanKec. Kebayoran Lama,Jakarta SelatanTel. : (021) 72801071Fax. : (021) 72801078

Plaza AtriumJl. Senen Raya No. 135Lantai V Blok BC 63-64Jakarta Pusat 10410Tel. : (021) 3862972, 3862792Fax. : (021) 3512510

Metro Tanah AbangPusat Grosir Metro Tanah AbangLt. 6 Unit No. 8Jl. K.H. Wahid Hasyim No. 187-189Kel. Kebon Kacang, Kec. Tanah Abang,Jakarta PusatTel. : (021) 30036023-25Fax. : (021) 30036026

Permata HijauGrand ITC Permata Hijau EmeraldNo, 10 Jl. Letjend Soepeno(Arteri Permata Hijau) Kel. GrogolUtara, Kec. Kebayoran Lama,Jakarta Selatan 12210Tel. : (021) 53663111Fax. : (021) 53663222

KELAPA GADING BRANCHJl. Raya Barat BoulevardBlok LC 7 No. 1-2 Kelapa GadingPermai, Jakarta Utara 14240Tel. : (021) 4529171 (Hunting)Fax. : (021) 4529179, 45844045,45844728

Sub-Branches:BekasiJl. Ir. H. Juanda No. 98 GBekasi TimurTel. : (021) 8802926, 8809675,8812179, 8817127Fax. : (021) 88348645

Kelapa Gading BoulevardJl. Boulevard Raya Blok FW I No. 18Kelapa Gading Boulevard,Jakarta UtaraTel. : (021) 4531069-70Fax. : (021) 45841059

Cempaka MasRuko Mega Grosir Cempaka MasBlok D1 No. 3 Jl. Letjend. Suprapto,Kel. Sumur Batu, Kec. Kemayoran,Jakarta PusatTel. : (021) 42906693, 42906694,42889441Fax. : (021) 42889440

GREEN GARDEN BRANCHKomplek Perumahan Green GardenBlok A7 No. 47-50 Kel. Kedoya Utara,Kec. Kebon Jeruk, Jakarta BaratTel. : (021) 5819004-06, 5802814-15Fax. : (061) 5802776

Sub-Branches:TangerangJl. Ki Asnawi No. 64 C-D,Tangerang 15111Tel. : (021) 5523081-83-84,55799082-83Fax. : (021) 5523082

CimoneJl. Merdeka No. 320Kel. Cimone Jaya, Kec. Karawaci,TangerangTel. : (021) 5522004Fax. : (061) 5525017

KedoyaKompleks PerumahanTaman Cosmos Megah PermaiBlok I No. 1-2 Kedoya, Jakarta BaratTel. : (021) 5652332, 5640948-49Fax. : (021) 5652338

CengkarengTaman Palem Lestari Blok D 10 No. 1Cengkareng Barat, Jakarta Barat 11730Tel. : (021) 55957447, 55957448,55957449Fax. : (021) 55957446

Duta MasKompleks Perumahan Taman Duta MasBlok D8 No. 1 Grogol Petamburan,Jakarta BaratTel. : (021) 5649621, 5648262,5649550, 56942340Fax. : (021) 5649464

Teluk GongKomplek Duta Harapan IndahBlok G No. 10 Kapuk Muara,Jakarta UtaraTel. : (021) 6617577–78, 6622957Fax. : (021) 6612279

RawamangunJl. Pegambiran No. 33 Rawamangun,Jakarta Timur 13220Tel. : (021) 4703107, 4707069,4722162Fax. : (021) 4753326

Tanjung PriokJl. Yos Sudarso No. 69-70,Kebon Bawang, Tanjung Priok,Jakarta UtaraTel. : (021) 4351459-61, 4366571-72Fax. : (021) 4366562

Sunter AgungJl. Danau Sunter Agung UtaraBlok D 1 No. 6 B Sunter Agung,JakartaTel. : (021) 6451120 - 21,65833281 - 82Fax. : (021) 6453821

Pondok GedePondok Gede Plaza Ruko Blok D/12Pondok Gede, BekasiTel. : (021) 84993550-52Fax. : (021) 84993552

Kramat JatiJl. Raya Bogor No.1, Unit RA 2,RT. 001 RW. 01 Kel. Kramat Jati,Kec. Kramat Jati, Jakarta Timur.Tel. : (021) 8011644, 8092417,80878641Fax. : (021) 8013973

JatinegaraJl. Pintu Pasar Utara No. 10-12Kel. Balimester, Kec. Jatinegara,Jakarta Timur 13310Tel. : (021) 8191918, 8193110,8197726, 2800178Fax. : (021) 8508919

Bekasi SelatanJl. Achmad Yani Kav. A4 No.7Ruko Kalimalang Commercial CentreDesa Kayuringin, BekasiTel. : (021) 8853521, 88965890-93Fax. : (021) 88965588

CikarangKomplek RukoCikarang Commercial CenterBlok B1 No. 23Jl. Raya Cikarang CibarusahKM. 40 No. 1 Kel. Pasar Sari,Kec. Cikarang Selatan,Bekasi 17550Tel. : (021) 89835725, 89835726,89835727Fax. : (021) 89835724


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BSD GoldenRuko BSD Golden BoulevardBlok C No. 6Jl. Pahlawan Seribu, Kel. BuaranLengkong Karya, Kec. Serpong,Tangerang, BantenTel. : (021) 53160680, 53160681,53153168, 53153169Fax. : (021) 53153087

Tanjung DurenJl. Tanjung Duren Raya Blok N No. 352Rt. 007 Rw. 03 Kel. Tanjung DurenUtara, Kec. Grogol, Jakarta BaratTel. : (021) 5642027, 5673950,56969082Fax. : (021) 5685079

PesanggrahanJl. Pesanggrahan No. 23Rt. 001 Rw. 003 Kel. Meruya Utara,Kec. Kembangan, Jakarta BaratTel. : (021) 58903811-16, 58902645Fax. : (021) 58903817

Citra Garden 2Komplek Rukan Citra NiagaBlok A No. 3 Jl. Utan Jati(Depan Perumahan Citra Garden 2)Kel. Pegadungan, Kec. Kalideres,Jakarta BaratTel. : (021) 54377025-31Fax. : (021) 54374021

MEDAN BRANCHJl. Palang Merah No. 30 MedanTel. : (061) 4156574 (6 Lines)Fax. : (061) 4148556, 4154793,4560116

Sub-Branches:Tomang ElokJl. Jend. Gatot Subroto KompleksTomang Elok Blok A No. 55Sei Sikambing, MedanTel. : (061) 8455405, 8455785,8455635Fax. : (061) 8455656

Central PasarJl. Letjen Haryono MTCentral Pasar Medan Lantai 1Blok I No. 1-2-17-18, MedanTel. : (061) 4531929, 4531611Fax. : (061) 4531737

AsiaJl. Asia No. 132/172 Kel. Sei Rengas IKec. Medan Kota, Medan 20214Tel. : (061) 7368623, 7368653Fax. : (061) 7368932

Pulo BrayanJl. K.L. Yos Sudarso No. 258/16APulo Brayan, MedanTel. : (061) 6611688, 6611911Fax. : (061) 6636922

PetisahJl. Nibung Utama No. 10Kel. Petisah Tengah,Kec. Medan Petisah, Medan 20112Tel. : (061) 4554322, 4143383Fax. : (061) 4530251

KrakatauJl. Gunung Krakatau No. 111CKel. Glugur Darat I,Kec. Medan Timur, MedanTel. : (061) 6620991, 6623079,6632211Fax. : (061) 6643483

Medan Business Centre (MBC)Komplek Medan Business Centre(MBC)Jl. Letjend. S. Parman Blok A No. 16Kel. Petisah Tengah,Kec Medan Petisah Medan 20112Tel. : (061) 4148167, 4148724,4148743Fax. : (061) 4148295

SURABAYA BRANCHJl. Panglima Sudirman No. 53,SurabayaTel. : (031) 5471772, 5481888(Hunting)Fax. : (031) 5345026, 5345136,5345146

Sub-Branches:CoklatJl. Coklat No. 12–14, SurabayaTel. : (031) 3526785, 3530967Fax. : (031) 3523332

KertopatenJl. Kertopaten 30Kertopaten, SurabayaTel. : (031) 3760601-02Fax. : (031) 3762855

SidoarjoJl. Jend. Achmad Yani 40 JSidoarjo, SurabayaTel. : (031) 8941046-47Fax. : (031) 8941836

Mayjend. SungkonoKomp. Darmo Park IBlok III-A No. 7-8Jl. Mayjend. Sungkono, SurabayaTel. : (031) 5672982, 5614431-32 Fax. : (031) 5672982

KedungdoroJl. Kedungdoro 155D, SurabayaTel. : (031) 5321365, 5322451Fax. : (031) 5471442

KertajayaJl. Kertajaya No. 172, SurabayaTel. : (031) 5017300, 5019391Fax. : (031) 5017300

Kapas KerampungJl. Kapas Krampung 55 B, SurabayaTel. : (031) 3727910, 3718281,3769292Fax. : (031) 3715633

RungkutJl. Rungkut Kidul Industri No. 62,SurabayaTel. : (031) 8418271, 8419272Fax. : (031) 8414517

Pasar AtomKompleks Pertokoan Pasar AtumBlok G-18, SurabayaTel. : (031) 3523545, 3558115Fax. : (031) 3530793

Pasar TuriKompleks Pasar Turi Tahap 4Lantai I Blok R-2, SurabayaTel. : (031) 3577212, 3577243Fax. : (031) 3577128

Bratang BinangunRuko PT Rukun Makmur Indah (RMI)Blok G 17,Jl. Bratang Binangun, SurabayaTel. : (031) 5043647, 5043225Fax. : (031) 5046026

GresikJl. R. A. Kartini No. 150, GresikTel. : (031) 3990052-53Fax. : (031) 3990054

KlampisJl. Klampis Jaya No. 27C,Kel. Klampisngasem,Kec. Sukolilo, Surabaya, Jawa TimurTel.: (031) 5927261, 5927672,5927673Fax.: (031) 5927262

BaliwertiJl. Gemblongan No. 65LKel. Aloon-aloon Contong,Kec. Bubutan, Surabaya, Jawa TimurTel.: (031) 5322886, 5327030Fax.: (031) 5353720


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BUKIT DARMO BRANCHJl. Raya Bukit Darmo Golf Blok RNo. 28-30 Kel. Pradah Kalikendal,Kec. Dukuh Pakis, Surabaya,Jawa TimurTel.: (031) 7343949 (Hunting),7326000 (Privilege Banking),5486008 (Call Centre 24 jam)Fax.: (031) 7343910 (Secrektariat)7348259 (Back Office Lt.1)7341943 (Back Office Lt.2)

BANDUNG BRANCHJl. Jend. Sudirman No. 55A, BandungTel. : (022) 4204491 (10 lines)Fax. : (022) 4238906

Sub-Branches:Achmad YaniJl. Jend. Achmad Yani No. 235,BandungTel. : (022) 7204952Fax. : (022) 7205551

KopoJl. Kopo No. 91, BandungTel. : (022) 5230030Fax. : (022) 5204784

KiaracondongJl. Kiaracondong No. 267, BandungTel. : (022) 7301110, 7311930

CimahiJl. Raya No. 545, CimahiTel. : (022) 6649530Fax. : (022) 6657013

SukajadiJl. Sukajadi No. 5, BandungTel. : (022) 2037498, 2039266Fax. : (022) 2039266

BanceuyKomp. Pertokoan Banceuy PermaiBlok B 7 No. 80, BandungTel. : (022) 4237267, 4210851Fax. : (022) 4214267

AndirJl. Jamika No. 22, BandungTel. : (022) 6000992, 6023509Fax. : (022) 6023472

Kopo BihbulJl. Raya Kopo Bihbul No. 69,BandungTel. : (022) 5401131, 5420269Fax. : (022) 5420466

Ujung BerungJl. Raya Ujung Berung No. 26, BandungTel. : (022) 7832512-13Fax. : (022) 7832513

stana PlazaIstana Plaza Blok LG/D2,Jl. Pasirkaliki 121/123(Jalan Pajajaran No.64), BandungTel. : (022) 6006623/853, 6040845Fax. : (022) 6030117

Bandung Electronic Centre (BEC)Bandung Electronic Centre (BEC)Blok UG A-06Jl. Purnawarman No. 13-15, BandungTel. : (022) 4202374-76Fax. : (022) 4202393

GarutJl. Cileduk No. 101-A, Lantai IKel. Regol, Kec. Garut Kota,Kab Garut, Jawa BaratTel. : (0262) 243948, 243949, 243956Fax. : (0262) 243957

PungkurJl. Pungkur No. 139AKel. Balonggede, Kec. Regol,BandungTel. : (022) 4262357-58-60Fax. : (022) 4262361

SEMARANG BRANCHGang Tengah No. 16, SemarangTel. : (024) 3547415Fax. : (024) 3542142, 3542478

Sub-Branches:SiliwangiJl. Jend. Sudirman No. 131,SemarangTel.: (024) 7608791Fax. : (024) 7608723

MajapahitJl. Brigjend. Sudirato 106, SemarangTel. : (024) 6723762Fax. : (024) 6723761

WeleriJl. Terminal Colt No. 4, SemarangTel. : (0294) 41393-94, 41411Fax. : (0294) 41394

AmbarawaJl. Jend. Sudirman No. 57/AI-2-3Komp. Pertokoan Ambarawa Plaza,AmbarawaTel. : (0298) 591289, 592290Fax. : (0298) 591289

SalatigaKomp. Pertokoan Salatiga PlazaBlok A/4Jl. Jend. Sudirman 61, SalatigaTel. : (0298) 322027Fax. : (0298) 326032

LikJl. Industri Raya TimurKaveling No. 1, SemarangTel. : (024) 6590868-70Fax. : (024) 65690867

MataramJl. MT. Haryono Ruko PlazaBlok A No. 8 A, SemarangTel. : (024) 3560033, 3560461Fax. : (024) 3560462

Agus SalimKomp. Ruko THD Blok B-21Jl. K.H. Agus Salim, SemarangTel. : (024) 3584035, 3584007Fax. : (024) 3584036

MAKASSAR BRANCHJl. Sulawesi No. 83, MakassarTel. : (0411) 321421Fax. : (0411) 315702, 319457

Sub-Branches:BandangJl. Bandang No. 50 B, MakassarTel. : (0411) 326694Fax. : (0411) 317445

PanakkukangJl. Pengayoman No. 48, MakassarTel. : (0411) 421921, 433017Fax. : (0411) 458260

SungguminasaRuko Balla Lampoa Plaza Blok E No. 3,Jl. K.H. Wahid Hasyim, Sungguminasa,MakassarTel. : (0411) 841707, 841392Fax. : (0411) 841458

DayaKomplek Ruko KIMA SquareBlok A No. 8Jl. Perintis Kemerdekaan, MakassarTel. : (0411) 4723417Fax. : (0411) 4723418

PALEMBANG BRANCHJl. Mesjid Lama No. 48-50, PalembangTel. : (0711) 310965 (7Lines)Fax. : (0711) 313216

Sub-Branches:Jend. SudirmanJl. Jend. Sudirman No. 1031D-E,PalembangTel. : (0711) 358682, 358411Fax. : (0711) 354891

10 UluJl. K.H. Azhari No. 56-58, PalembangTel. : (0711) 515584, 515574Fax. : (0711) 513344


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PONTIANAK BRANCHJl. Tanjung Pura No. 278, PontianakTel. : (0561) 732600, 734656Fax. : (0561) 736282

Sub-Branches:Sungai RayaJl. Adi Sucipto Km 7,3 Sungai RayaTel. : (0561) 721770

Sultan MuhammadJl. Sultan Muhammad No. 183,PontianakTel. : (0561) 731582

CIREBON BRANCHJl. Yos Sudarso No. 29, CirebonTel. : (0231) 205040, 206959,206396, 221541Fax. : (0231) 201989, 248340

Sub-Branches:KuninganJl. Jend. Sudirman No. 51/55, KuninganTel. : (0232) 871738, 871810Fax. : (0232) 876641

Pasar Balong PekiringanJl. Pekiringan No. 113, CirebonTel. : (0231) 205625Fax. : (0231) 211423

PleredJl. Raya Plered No. 56A Rt.01/Rw.01Desa Weru Lor, Kecamatan Weru,Kabupaten Cirebon, CirebonTel. : (0231) 325372Fax. : (0231) 325371

BENGKULU BRANCHJl. Let. Jend. Suprapto No. 169-171,BengkuluTel. : (0736) 21705 (Hunting)Fax. : (0736) 21110

Sub-Branches:CurupJl. Merdeka No. 11, CurupTel. : (0732) 21764Fax. : (0732) 21024

Lingkar TimurJl. Salak No. 105 C, Panorama LingkarTimur, BengkuluTel. : (0736) 345222Fax. : (0736) 345333

JEMBER BRANCHJl. Gajah Mada No. 68, JemberTel. : (0331) 484545, 424759, 424859Fax. : (0331) 484980

Sub-Branches:KencongJl. Krakatau No. 1, KencongTel. : (0336) 321228

BalungJl. Puger No. 28, JemberTel. : (0336) 621306

AmbuluJl. Suyitman No. 46Ambulu, JemberTel. : (0336) 881902

BondowosoJl. R.E. Martadinata No. 49,BondowosoTel. : (0332) 421429

DENPASAR BRANCHJl. Dr. Wahidin No. 39, DenpasarTel. : (0361) 433014 (Hunting)Fax. : (0361) 424245

Sub-Branches:TabananJl. Gajah Mada No. 80, TabananTel. : (0361) 811588, 811277Fax. : (0361) 812569

KlungkungJl. Dharmawangsa No. 8, SemarapuraTel. : (0366) 22062, 24442Fax. : (0366) 24456

KutaJl. Raya Legian No. 99XTel. : (0361) 754044, 767188Fax. : (0361) 767189

Gatot SubrotoJl. Gatot Subroto No. 100X Kav. 10Tel. : (0361) 259562, 248826Fax. : (0361) 259568

DiponegoroJl. Diponegoro No.150 Blok A1 No. 2Tel. : (0361) 262773, 263719-20Fax. : (0361) 247246

Istana Kuta GaleriaKompleks Pertokoan Istana KutaGaleria Blok Valet 2 No. 15Jl. Patih Gelantik, KutaTel. : (0361) 769255Fax. : (0361) 769269

TASIKMALAYA BRANCHJl. Empang No. 50, TasikmalayaTel. : (0265) 310300 (5 Lines)Fax. : (0265) 332007

KM 5Jl. Kol. H. Burlian No. 48, PalembangTel. : (0711) 411287Fax. : (0711) 411287

16 IlirJl. Pasar 16 Ilir No. 132, PalembangTel. : (0711) 354233Fax. : (0711) 365833

VeteranJl. Veteran No. 1365A, PalembangTel. : (0711) 355496, 353034,373260, 313104Fax. : (0711) 321292

R. SukamtoJl. R. Sukamto No. 84, PalembangTel. : (0711) 353929 (Hunting)Fax. : (0711) 310420

SOLO BRANCHJl. Jend. Urip Sumoharjo No. 13-17,SoloTel. : (0271) 646348 (12 Lines)Fax. : (0271) 646533, 646947, 630620

Sub-Branches:Pasar KlewerKios Pasar Klewer Blok EE No. 9-12Jl. SecoyudanSoloTel. : (0271) 641798Fax. : (0271) 641798

KratonanJl. Yos. Sudarso No. 246 SoloTel. : (0271) 652626 (3 lines)Fax. : (0271) 655622

Pasar LegiPasar Legi Kios No. 26-27Jl. S. Parman SoloTel. : (0271) 666536Fax. : (0271) 641177

KlatenJl. Pemuda Utara No. 133 KlatenTel. : (0272) 321282Fax. : (0272) 322378

SragenJl. Raya Sukowati No. 194Sragen, Kel. Sragen Kulon,Kec. Sragen, Kab. Sragen, Jawa TengahTel. : (0271) 891276, 891250Fax. : (0271) 891276

PalurJl. Raya Palur No. 59,Karanganyar, SoloTel. : (0271) 827474, 821733Fax. : (0271) 821166


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Sub-Branches:CiamisJl. Pasar Manis Ruko No. 38, CiamisTel. : (0265) 777200, 774011Fax. : (0265) 777200

BanjarJl. Letjen. Suwarto No. 99 BanjarTel. : (0265) 743469, 742860Fax. : (0265) 742860

Pasar WetanJl. Pasar Wetan Baru No. 12,TasikmalayaTel. : (0265) 334023, 311041Fax. : (0265) 311041

SERANG BRANCHJl. M. Hasanuddin, Serang Plaza BlokII No. 3-7, SerangTel. : (0254) 200153, 201566Fax. : (0254) 200692

Sub-Branches:CilegonJl. Raya Cilegon No. 6, CilegonTel. : (0254) 391033, 392057Fax. : (0254) 391151

RangkasbitungJl. Sunan Kalijaga No.62,RangkasbitungTel. : (0254) 201595, 201703Fax. : (0254) 201596

BANDAR LAMPUNG BRANCHJl. Ikan Tenggiri No. 17/ATeluk Betung, Bandar LampungTel. : (0721) 481620, 484959,482982 (Hunting)Fax. : (0721) 482951

Sub-Branches:Tanjung KarangJl. Padang Blok B III No. 2,Tanjung KarangTel. : (0721) 261155Fax. : (0721) 261927

MetroKompleks Pertokoan Sumur BandungBlok B No. 3, Metro, Bandar LampungTel. : (0725) 49988Fax. : (0725) 47123

Ikan BawalJl. Ikan Bawal No. 87, Teluk Betung,Bandar LampungTel. : (0721) 489694Fax. : (0721) 489695

Klandasan UluKomplek Pertokoan Cemara RindangJl. Jend. Sudirman No. 76,Klandasan Ulu, BalikpapanTel. : (0542) 733064, 736809Fax. : (0542) 736809

Balikpapan PermaiKomplek Balikpapan PermaiJl. Jend. Sudirman Blok C/II No. 88,BalikpapanTel. : (0542) 733238, 733228Fax. : (0542) 733238

SAMARINDA BRANCHJl. Pangeran Diponegoro No. 68-70,SamarindaTel. : (0541) 732492-95-97,749516-17-18Fax. : (0541) 732490

Sub-Branches:Dr. SoetomoJl. Dr. Soetomo No. 4, SamarindaTel. : (0541) 745082, 746807Fax. : (0541) 735927

Yos SudarsoJl. Yos Sudarso No.36,Samarinda 75112Tel. : (0541) 731558, 741586Fax. : (0541) 742274

BANYUWANGI BRANCHJl. Jend. Sudirman No. 16,BanyuwangiTel. : (0333) 426500, 424705,423061-62, 422270-71, 424070Fax. : (0333) 424260

Sub-Branches:GentengJl. Gajah Mada No. 168AGenteng, BanyuwangiTel. : (0333) 845453Fax. : (0333) 845388

MuncarJl. Raya No. 147, MuncarTel. : (0333) 593064Fax. : (0333) 593504

RogojampiJl. Raya Rogojampi No. 102,Rogojampi, BanyuwangiTel. : (0333) 631709Fax. : (0333) 631710

JajagJl. P.B. Sudirman No. 56, JajagTel. : (0333) 396305Fax. : (0333) 396398

MAGELANG BRANCHJl. Tidar No. 17, MagelangTel. : (0293) 362181, 364344,365261, 364405-06Fax. : (0293) 364271

Sub-Branches:PurworejoJl. Kol. Sugiono No. 44, PurworejoTel. : (0275) 325357Fax. : (0275) 321740

TemanggungJl. S. Parman No. 36 A, TemanggungTel. : (0293) 491555Fax. : (0293) 491155

MuntilanKomp. Ruko PJKA Blok A II No. 3Jl. Pemuda, Muntilan 56413Tel. : (0293) 586508, 587323Fax. : (0293) 587415

WonosoboJl. Jend. A. Yani No. 112Wonosobo, MagelangTel. : (0286) 321302, 321598Fax. : (0286) 321598

PEKANBARU BRANCHJl. Jend. Sudirman No. 442,PekanbaruTel. : (0761) 21116, 21168,848053, 20879Fax. : (0761) 848052

Sub-Branches:Jalan NangkaJl. Nangka / Tuanku Tambusai No. 181Pekanbaru, RiauTel. : (0761) 31308-9, 20439, 20440Fax. : (0761) 37317

JuandaJl. Ir. H. Juanda No. 125, PekanbaruTel. : (0761) 23648, 38885, 38964Fax. : (0761) 855791

BALIKPAPAN BRANCHJl. A. Yani RT 61 No. 267,BalikpapanTel. : (0542) 732531 (Hunting)Fax. : (0542) 732534, 734204

Sub-Branches:Pandan WangiJl. Pandan Sari No. 37, Kel. Marga Sari,Kec. Balikpapan Barat, BalikpapanTel. : (0542) 733597, 423009Fax. : (0542) 733597


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YOGYAKARTA BRANCHJl. Jend. Sudirman No. 62, YogyakartaTel. : (0274) 562000, 517410Fax. : (0274) 563433

Sub-Branches:Brigjend KatamsoJl. Brigjend. Katamso No. 278,(lama 280) YogyakartaTel. : (0274) 384193, 415732Fax. : (0274) 378569

Pasar BeringharjoJl. Sriwedani, Ruko No. 11 Kel. Ngapusan,Kec. Gondomanan, YogyakartaTel. : (0274) 546350Fax. : (0274) 555911

KricakJl. Magelang No. 81, YogyakartaTel. : (0274) 553385Fax. : (0274) 563672

BOGOR BRANCHJl. Pangkalan Raya No. 4AWarung Jambu, BogorTel. : (0251) 320113, 320075,323959, 342736Fax. : (0251) 321262, 382077

Sub-Branches:Dewi SartikaJl. Dewi Sartika No. 54RT. 03 RW. 02 Kel. Pabaton,Kec. Bogor Tengah, BogorTel. : (0251) 311836, 314257Fax. : (0251) 314933

CibuburKawasan Niaga Citra GrandRuko Citra Grand Blok R3 No. 7,Jl. Raya Alternatif CibuburTel. : (0251) 84592489Fax. : (0251) 84597922

TajurJl. Raya Tajur No. 65 D, BogorTel. : (0251) 392485Fax. : (0251) 392486

Suryakencana BaruJl. Suryakencana No. 70, BogorTel. : (0251) 325256, 325307Fax. : (0251) 325307

EmpangJl. Empang No. 6A, BogorTel. : (0251) 318523, 318016Fax. : (0251) 360821

CibinongJl. Mayor Oking Jayaatmaja,Ruko Central Cibinong Blok B No. 5Cibinong, Jawa Barat.Tel. : (021) 87908382, 87903767Fax. : (021) 87908119

BANJARMASIN BRANCHJl. Lambung Mangkurat No. 17,BanjarmasinTel. : (0511) 3357172, 3353754,3365312 (Hunting)Fax. : (0511) 3353305

Sub-Branches:A. YaniJl. Jend. A. Yani KM 2No. 12 Rt. 17 BanjarmasinTel. : (0511) 269525, 262991, 263021Fax. : (0511) 269525

BATAM BRANCHKomp. Batam Plaza Blok E No. 1-3Jl. Imam Bonjol, BatamTel. : (0778) 459691 (Hunting)Fax. : (0778) 458601

Sub-Branches:Sei PanasKomplek Tanah Mas Blok B No. 9Sei Panas, BatamTel. : (0778) 422589Fax. : (0778) 429478

PenuinKomplek Pertokoan Citra MasBlok A No. 8 Penuin,Kec. Lubuk Baja, BatamTel. : (0778) 428700Fax. : (0778) 452772

JOMBANG BRANCHJl. Merdeka No. 133, JombangTel. : (0321) 862500-01,862337, 874857-58Fax. : (0321) 862171

Sub-Branches:MojokertoJl. Mojopahit 55-57, MojokertoTel. : (0321) 322719, 322816Fax. : (0321) 322291

MALANG BRANCHJl. Basuki Rahmat No. 63, MalangTel. : (0341) 342333 (6 lines)Fax. : (0341) 342572

Sub-Branches:LumajangJl. P.B. Sudirman No. 20 F -G, LumajangTel. : (0334) 81521, 881905Fax. : (0334) 881905

Gatot SubrotoJl. Gatot Subroto No. 21E, MalangTel. : (0341) 356044, 343230Fax. : (0341) 356044

BlimbingKomp. Pertokoan Letjen S. ParmanMegah No. 9 Blok B9, Blimbing, MalangTel. : (0341) 405111, 405100Fax. : (0341) 418441

BatuJl. Panglima Sudirman No. 14 Batu, MalangTel. : (0341) 594114, 593053Fax. : (0341) 591783

DampitRuko Jenggolo Kav. A3Jl. Jenggolo, Dampit, Kab. Malang, MalangTel. : (0341) 898485, 898486Fax. : (0341) 898484

PURWOKERTO BRANCHJl. Jend. Sudirman No. 330, Purwokerto 53116Tel. : (0281) 623466, 635996, 630942,630259, 635950, 631464 (Hunting)Fax. : (0281) 636747, 640945

Sub-Branches:PurbalinggaJl. Jend. Sudirman No. 51, PurbalinggaTel. : (0281) 896757Fax. : (0281) 896758

CilacapJl. Ahmad Yani No. 69, CilacapTel. : (0282) 537105-06Fax. : (0282) 520489

Pasar WageRuko Gede Kawasan Pasar WageBlok A No. 1, Jl. Jend. Sudirman,Kel. Purwokerto Lor, Kec. Purwokerto Timur,Kab. Banyumas, Purwokerto 53114Tel. : (0281) 625508Fax. : (0281) 625745

JAMBI BRANCHJl. R. Mattaher No. 34-35,Kel. Orang Kayo Hitam, Jambi 36113Tel. : (0741) 20623 (Hunting)Fax. : (0741) 54014

Sub-Branches:Kol. AbunjaniJl. Kol Abunjani No. 72DRT. 025 / RW. 008 Kel. Selamat,Kec. Telanaipura, JambiTel. : (0741) 61299, 61370Fax. : (0741) 61652

TEGAL BRANCHJl. Kolonel Sugiono No. 56RT. 003, RW. 05, Kel. Pekauman,Kec. Tegal Barat, Tegal, Jawa TengahTel. : (0283) 325001, 325005Fax. : (0283) 325008


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UOB Buana Annual Report 2007

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