AR

What do
more than 30 million

customers
of
THE
best bank
in Indonesia
have in Common?
the support of over
personnel
1,769 More than

ATMs
5,400 Operating Units
ANNUAL R EPOR T 2008
OVER 50 PRODUCTS AND SERVICES

EXPERIENCE OF 113 YEARS
SERVING
CUSTOMERS
FROM ALL WALKS OF LIFE
Table of Contents
01 BRI in Brief and Milestones 88 Institutional Business

02 Vision, Mission, Objective & Company 90 International Business And Treasury
Values 94 Risk Management
04 Financial Highlights 100 Human Resources Management
05 Information to Shareholders 104 Information Technology
11 Ratings of BRI in 2008 106 Network and Services
12 2008 Significant Events 108 Corporate Social Responsibility
14 Awards 2008 114 Profile of the Board of Commissioners
15 Thirty Million Customers of BRI, 118 Profile of the Board of Directors
Growing and Prospering Over Time 123 Senior Managers
18 Report of the President Commissioner 125 Products and Services
21 Board of Commissioners 126 Networks
22 Report of the Board of Directors 128 BRI Network and Addresses
29 Board of Directors 144 Statement of Responsibility for Financial
30 Organisational Structure Reporting
34 Comparative Data between BRI and the 147 Financial Statements
National Banking Sector 273 Subsidiary Company
36 Management Discussion and Analysis 274 Corporate Information
of the Company’s Results of Operations 275 Contact Address
and Financial Condition
44 Report on Corporate Governance
72 Press Release 2008
73 Corespondence with the Indonesia
Stock Exchange in 2008
76 Business Target Achievements in 2008
76 Micro, Small and Medium Sized
Business
82 Consumer Business
86 Commercial Business
BRI in Brief and Milestones
1.
Annual Report 2008 Bank Rakyat Indonesia
PT Bank Rakyat Indonesia (Persero) Tbk. (“BRI” or the On November 10, 2003, BRI became a publicly held
“Bank”) is one of the largest and oldest banks in Indonesia, company with the listing of 30% of its shares in what is
founded on 16 December 1895. now the Indonesia Stock Exchange (IDX), with the ticker
code of BBRI, which is currently part of the LQ45 equity
Starting from an association that managed simple saving- index, making it one of the shares that are included in the
and-loan fund of a Mosque for the local community, a measurement of the IDX composite shares price index, the
small financial firm by the name of De Poerwokertosche Jakarta Composite Index (JCI).
Hulp en Spaarbank der Inlandsche Hoofden was formed
on that date in Purwokerto, Central Java, as the embryo During the past two years, through the committed efforts
that would eventually evolve into Bank Rakyat Indonesia. and aggressive marketing programs throughout BRI’s
vastly extensive branch network, BRI was able to grow
Over time, the small firm that was the brainchild of Raden rapidly in terms of total assets, loans outstanding, third
Aria Wiriaatmadja continued to flourish, meeting the party funds, profit from operations, with assets quality that
needs of the community. Over the course of its existence, are well-maintained.
the name of the firm had been changed several times,
from the Hulp-en Spaarbank der Inlandsche Bestuurs As of 31 December 2008, the BRI’s customer base
Ambtenareen to De Poerwokertosche Hulp Spaar-en reached approximately 30 million accounts that comprised
Landbouw Credietbank (Volksbank), Centrale Kas Voor of individual customers, micro and small-scale businesses,
Volkscredietwesen Algemene in 1912 and Algemene medium to large-scale businesses, and private as well as
Volkscredietbank (AVB) in 1934. During the Japanese government institutions. The growth of credit was 41.36%
occupation, AVB was changed into Syomin Ginko. in 2008, whereas third party funds grew by 21.70%. As
at year-end 2008, BRI had more than 5,400 Operating
Upon the independence of Indonesia, the Indonesian Units that comprised of Regional Offices, Branch Offices,
Government changed the name back into Bank Rakyat Sub-branch Offices, Cash Offices, and BRI Units (Micro
Indonesia (taken from Volksbank) on 22 February 1946. Outlets). In several of its Branch Offices, BRI also provides
Based on Government Regulation No. 1 of 1946, BRI the BRI Priority service for preferred customers.
became the first state-owned bank of the Government of
the Republic of Indonesia. For its electronic banking network, BRI currently operates
a proprietary network of 1,796 ATM plus more than 35,000
As a state-owned bank, BRI played a central role in ATM through the ATM LINK, ATM Bersama and ATM
pursuing the vision of the government to develop the rural Prima networks, as well as the 24-hour phone banking and
economy. In 1960, the government changed the name SMS Banking services.
of BRI into Bank Koperasi Tani dan Nelayan (Farms and
Fisheries Cooperative Bank). Pursuant to Law No. 21 of As of 31 December 2008, the Government of Indonesia
1968, the government restored the name of Bank Rakyat held 56.79% shares of BRI with the remaining shares
Indonesia which by then had become a commercial bank, held by public investors. The shares capitalisation of BRI
and pursuant to the Banking Law No. 7 of 1992, BRI as at year-end 2008 was Rp55.85 trillion, accounting for
changed its name and legal entity into PT Bank Rakyat approximately 5.56% of the total market capitalization of
Indonesia (Persero). With a focus on the Micro, Small the Indonesia Stock Exchange.
and Medium Enterprise (MSME) segment, BRI has since
inspired others to the MSME economic sector as the
backbone of the national economy.
Vision, Mission, Objective &
Company Values
2.
Vision
To Become a Leading Commercial Bank that Always Prioritises Customer Satisfaction
Mission
To achieve the vision, BRI has decided on three missions that have to be undertaken,
namely:
• BRI provides the best banking operation by prioritising services for Micro, Small and
Medium Businesses in order to support people’s economy.
• BRI offers premium services to customers through a network that are spread all over
Indonesia and supported by professional human resources who implement Good Corporate
Governance.
• BRI creates value and produces optimal benefits to all stakeholders.
3.
Corporate Cultures Business Strategy

BRI espouses the corporate values that form the BRI has formulated the Bank’s Business Plan for
foundation for the thinking, action and behaviour of the period of 2009-2011, as parts of its long-term
every individual at BRI, inherent in a corporate culture development plan. The business strategy of BRI in the
and projecting a solid and strong character of the Bank. short and medium term is broken down as follows:
These values are integrity, professionalism, customer • The business development of BRI that is supported
satisfaction, leadership, and respect for the individual. by the increase in the quantity and quality of
professional personnel, product features, services,
As a publicly held company, BRI is fully committed and the support of an information technology
to comply with all prevailing laws and regulations system that is reliable and for the following
pertaining to banking and the capital markets. This applications:
has induced BRI to always champion the cause - The growth of credit that focuses on the
for prudential banking as well as the interests of financing of the MSME sectors while still
stakeholders. adhering to prudential banking principles.
- The growth of third party funds that are
This commitment is also manifested in the form of dominated by low-cost funding with a minimum
Corporate Governance as follows: composition 60%.
• Intensifying the program to instil awareness of risk • Instilling a risk-aware culture and implementing a
and a culture of compliance for every employee at micro management system that is effective among
all BRI Operating Units. all the Operating Units of BRI.
• Intensifying improvements to service quality in all • Strengthening of the Banks equity base to support
Operating Units; business growth.
• Extrapolating and monitoring each progress made • Expanding the service networks by adding Branch
by the bank into an activities log book that are Offices, Sub-Branch Offices, Cash Offices, BRI
easily measurable and accountable for all Operating Units as well as electronic channels, such as the
Units; Automated Teller Machines (ATM), Cash Deposit
• Implementing a policy of rewards and punishments Machines (CDM) and Electronic Data Capture
that is firm and just. (EDC) in order to extend the reach of services.
• Enhancing the marketing communications for
each product and service category in line with the
corporate marketing strategy such that BRI will
also be able to increase its sales and create the
corporate image of BRI in the public minds.
Financial Highlights
4.
(in trillion Rupiah, except earnings per share)
2008 2007 2006 2005 2004
Balance Sheets
Total Assets 246.07 203.74 154.76 122.78 107.04
Total Earning Assets 228.78 169.09 139.04 111.48 97.96
Loans – Gross 161.11 113.97 90.28 75.53 62.37
Government Recapitalisation Bonds 16.35 18.22 18.45 17.72 22.69
Third Party Funds 201.54 165.60 124.47 97.05 82.40
- Demand Deposits 39.92 37.16 27.86 17.38 13.36
- Savings 88.08 72.30 58.31 49.37 44.57
- Time Deposits 73.54 56.14 38.30 30.29 24.47
Other Interest Bearing Liabilities 7.60 6.26 6.04 5.60 6.38
Equity 22.36 19.44 16.88 13.35 12.45
Profit/Loss
Interest Income:
- With Government Recap Bonds Interest 28.10 23.24 21.07 17.25 15.53
- Without Government Recap Bonds Interest 26.15 21.22 18.73 15.08 12.69
Net Interest Income
- With Government Recap Bonds Interest 19.65 16.70 13.77 12.43 11.26
- Without Government Recap Bonds Interest 17.70 14.68 11.43 10.25 8.41
Other Operating Income 2.54 1.82 1.51 0.73 1.45
Other Operating Expenses (11.00) (9.02) (7.65) (7.44) (6.09)
Total Provision for Possible Losses (2.84) (1.94) (1.85) (0.40) (1.33)
Income Before Tax 8.82 7.78 5.91 5.61 5.73
Net Income 5.96 4.84 4.26 3.81 3.63
Earnings per Share (Rp) 497.00 403.64 355.62 307.00 307.00
Financial Ratio (in percentage)

Capital
Capital Adequacy Ratio (CAR) 13.18 15.84 18.82 15.29 16.19
Fixed Assets to Capital 24.13 26.14 29.03 32.11 31.73
Earning Assets
Non-Performing Earning Assets 2.18 2.22 3.06 3.20 2.76
Non-Performing Loans (NPL) 2.80 3.44 4.81 4.68 4.19
Allowance for Possible Losses for Earning Assets 3.75 4.05 4.80 4.85 5.28
Compliance for Allowance for 150.20 161.20 155.97 176.62 225.24
Possible Losses for Earning Assets
Profitability
ROA (Return on Assets) 4.18 4.61 4.36 5.04 5.77
ROE (Return on Equity) 34.50 31.64 33.75 38.00 42.76
NIM (Net Interest Margin) 10.18 10.86 11.16 12.18 12.16
Operating Expenses/Operating Income 72.65 69.80 74.38 70.83 68.86
Liquidity
LDR (Loan to Deposit Ratio) 79.93 68.80 72.53 77.83 75.69
Compliance
Violation on Legal Lending Limit (LLL)
- Related Parties 0.00 0.00 0.00 0.00 0.00
- Third Parties 0.00 0.00 0.00 0.00 0.00
Excess of Legal Lending Limit (LLL)
- Related Parties 0.00 0.00 0.00 0.00 0.00
- Third Parties 0.00 0.00 0.00 0.00 0.00
Statutory Reserve 5.57 22.09 12.34 9.55 9.39
Net Open Position 13.55 7.90 5.41 5.23 10.77
Note:
• Including market risk since 2004
• Year 2007 : Balance Sheet is a consolidated financial statement with subsidiary (PT Bank Jasa Arta)
• Year 2008 : Balance Sheet and Profit-and-Loss data are consolidated with those of PT Bank Syariah BRI (formerly PT Bank Jasa Arta)
Information to Shareholders
5.
BRI’s Share Performance in 2008

In 2008, in line with the collapse of the world’s stock 50.58% from 2,731.51 on 2 January 2008 to 1,355.41
markets due to the global financial crisis, BRI shares, on 30 December 2008. Throughout 2008, the price of
which opened at Rp7,400.00 per share and closed the BRI share moved in a broad range, reaching its peak of
year at Rp4,575.00 per share, declined by 38.18%. Rp7,800.00 on 9 January and 14 January 2008, and its
However, this declined was still below that of the lowest level of Rp2,400.00 on 21 November 2008.
Jakarta Composite Index, which felt by as much as
Movement of Price and Transaction Volume of BRI Shares in 2008
90,000,000 9,000
80,000,000 8,000
70,000,000 7,000
60,000,000 6,000
50,000,000 5,000
40,000,000 4,000
30,000,000 3,000
20,000,000 2,000
10,000,000 1,000
0 0
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
Volume (left) Price (right)
Quarterly Share Price
Share Price Number

Transaction Transaction Market
of Shares Frequency
Calendar Year Open High Low Close
Volume Value Cap
Outstanding (times)
(share) (Rp trillion) (Rp trillion)
(Rp) (Rp) (Rp) (Rp) (share)
2007 5,150 8,700 4,400 7,400 12,317,800,500 3,352,241,000 103,589 19.93 90.27
Quarter I 5,150 5,450 4,400 5,050 12,287,616,500 857,282,500 28,704 4.29 61.46
Quarter II 5,050 6,500 5,050 5,750 12,303,602,500 796,783,500 21,851 4.47 70.07
Quarter III 5,750 7,050 5,100 6,600 12,309,493,500 960,342,500 24,154 5.56 80.47
Quarter IV 6,600 8,700 6,600 7,400 12,317,800,500 737,832,500 28,880 5.61 90.27
2008 7,400 7,800 2,400 4,575 12,325,299,500 4,735,576,500 230,412 23.9 55.85
Quarter I 7,400 7,800 5,250 6,300 12,318,935,500 736,724,500 31,385 4.98 76.87
Quarter II 6,300 6,950 4,650 5,100 12,319,892,000 1,204,170,500 55,078 6.76 62.23
Quarter III 5,100 6,450 4,575 5,400 12,322,809,000 1,120,328,500 52,644 6.20 65.91
Quarter IV 5,400 6,325 2,400 4,575 12,325,299,500 1,674,353,000 91,305 5.96 55.85
6.
Dividend Policy and Sandjaja, and gave full release and discharge
In the Annual General Meeting of Shareholders (AGMS) (acquit et de charge) to the Board of Directors and
2008, the amount of cash dividends paid out for the Board of Commissioners for their management
the accounting year of 2007 was set at Rp2,419.00 and supervision during the financial year ending
billion or Rp196.34 per share, which was paid to the 31 December 2007 provided that their actions are
shareholders on 7 July 2008. not categorized as a criminal act and are reflected
in the Company’s financial report.
Cash dividends in 2007 increased by 13.63% from
those of 2006, which amounted to Rp2,128.78 billion 2. Report on the Partnership and Community
or Rp173.04 per share. The dividend payout ratio for Development Program (Program Kemitraan dan
2007 was 50% of net profit. Bina Lingkungan/PKBL) for the financial year
ending 2007 which had been audited by the Public
BRI Dividend Payments Accounting Firm of Herman Dody Tanumihardja
& Rekan and gave full release and discharge
Dividend Dividend (acquit et de charge) to the Board of Directors and
Accounting Net Income Dividend
per Payout
Year (Rp Billion) (Rp Billion)
Share (Rp) Ratio (%) Board of Commissioners for their management
2003 2,579 990.47* 84.19 75.01

and supervision of the PKBL, provided that their
2004 3,633 1,816.61 152.93 50.00 actions are not categorized as a criminal act and
2005 3,808 1,904.29 156.18 50.00
are reflected in the Company’s reports on the
2006 4,257 2,128.78 173.04 50.00
2007 4,838 2,419.00 196.34 50.00 Partnership and Community Development Program.
*) from the net income of second semester (1 July 2003 - 31 December 2003)
amounting to Rp1.32 trillion, first semester profit was capitalized into equity.
Second Agenda
1. To determine the appropriation of net profit of
Shareholder Information
the Company for the period of 1 January to 31
December 2007 as follows:
Corporate Action of 2008
- 50% or Rp2,419,000,552,302 will be
The BRI Annual General Meeting of Shareholders
distributed as cash dividends to the
(AGMS), held on Monday, 26 May 2008, have decided
shareholders in accordance with the prevailing
the following issues:
regulations. With the MSOP phase I, II and III,
provided that stock options from the MSOP
phase I, II and III have all been exercised
First Agenda
before or on the date at which the shares can
Approved and Ratified:
be included in cum dividend shares, with a
1. The Bank’s 2007 Annual Report which includes the
minimum cash dividend per share of Rp195,82.
report of the Board of Directors, the supervisory
- 20% or Rp967,600,220,921 will be for the
duties of the Board of Commissioners and the
Company’s general reserves pursuant to Law
Financial Statements for the year ending 31
No 40 of 2007 on Limited Liability Company.
December 2007 which had been audited by the
- 20% or Rp967,600,220,921 will be for the
Public Accounting Firm of Prasetyo, Sarwoko
Company’s specified reserves.
7.
- 4% or Rp193,520,044,184 will be for the Fourth Agenda

Community Development Program (Program 1. To appoint the Public Accounting Firm of
Bina Lingkungan) Purwantono, Sarwoko & Sandjaja to audit the
- 6% or Rp290,280,066,276.31 will be allocated Company’s financial statements for the financial
to Retained Earnings. year ending 31 December 2008, and to grant
2. To grant the rights and authorities to the Board the authority to the Board of Commissioners to
of Directors to determine the schedule and the determine the fees of the Public Accountants and
procedure of cash dividend payments for the other requirements in accordance with prevailing
year 2007 in accordance with prevailing laws and regulations.
regulations. 2. To appoint the Public Accounting Firm of Herman
Dody Tanumihardja & Rekan to audit the financial
statements on the PKBL for the financial year
Third Agenda ending 31 December 2008, and to grant the
1. Ratified the Tantiem (Bonus) for the Board of authority to the Board of Directors to determine
Directors, the Board of Commissioners and the the fees of the Public Accountants and other
Secretary of the Board of Commissioners for the requirements in accordance with prevailing
year ending 31 December 2007, amounting to regulations.
0.81% of the net profit for said financial year which 3. To grant Power of Attorney:
will be paid from the allowance for Tantiem in the - To the Board of Commissioners to
year 2007 based on the Indonesian Accounting appoint another Public Accounting Firm in
Standard no. 24. The authority to distribute place of the appointed Public Accounting Firm
the Tantiem will be determined by the holder of to audit the Company’s financial statements
Dwiwarna series A share (Golden Share). Tax of the for the year 2008 including fees and other
Tantiem will be paid by tantiem’s receivers. requirements in accordance with prevailing
2. Ratified an increase of salary/honorarium for the regulations should the appointed Public
Board of Directors, the Board of Commissioners Accounting Firm could not perform its audit
and the Secretary of the Board of Commissioners, duties for whatever reasons.
amounting to 21.95% of the salary/honorarium - To the Board of Directors to appoint another
which had been ratified in the General Meeting of Public Accounting Firm in place of the
Shareholders on 22 May 2007, rounding up to the appointed Public Accounting Firm to audit
nearest million. The proportion of salary/honorarium the Company’s PKBL financial statements
for the Directors, the President Commissioner, the for the year 2008 including fees and other
Commissioners and the Secretary of the Board of requirements in accordance with prevailing
Commissioners are 90%, 40%, 36% and 15% of regulations should the appointed Public
the salary of the President Director, respectively, Accounting Firm could not perform its audit
effective 1 January 2008. duties for whatever reasons.
8.
Fifth Agenda Chronology of Share Listing

To give the authority to the Board of Commissioners Shares issued by BRI are the Dwiwarna Series A Share
to approve additional paid-up capital of the (Golden Share) and the Series B Shares. Bank BRI
Company with regards to the exercise of the only issues 1 (one) Golden Share possessed by the
Management Stock Option Plan (MSOP) that had Republic of Indonesia, which is not transferable to any
been decided on the Company’s General Meeting other party.
of Shareholders.
The special rights granted to the holder of the Golden
Share are:
Sixth Agenda 1. Nominate members of the Board of Directors and/
a. To approve all changes in the Company’s Articles or members of the Board of Commissioners of the
of Association including but not limited to the Company.
amendment of Law No. 40/2007 on Limited Liability 2. Approve the appointment and termination of
Company and Bapepam-LK’s Regulation No. IX.J.I members of the Board of Directors and/or the
on the principles of the Articles of Association Board of Commissioners.
of Company’s that undertake public offering of 3. Approve amendments to the Articles of Association,
equities and public listed companies. including changes in capital.
b. With respect to the above changes in the Articles 4. Approve the consolidation, merger, acquisition and
of Association, to give the power and authority to spin off of the Company, bankruptcy filing, and the
the Board of Directors collectively or individually liquidation of the Company, and/or
using substitute rights to ask for the approval of, 5. Request report and explanation on certain issues
and report the changes in the Company’s Articles from the Board of Directors and the Board of
of Association to, the relevant authorities, and Commissioners with due consideration to prevailing
subsequently state and arrange the amendments, rules and regulations, especially those of the Capital
changes or improvement needed with authentic Market.
notarial deed before a notary, if required by the
relevant authorities and/or prevailing laws and By virtue of the Decree of the Chairman of the Capital
regulations, to make or request the making Market Supervisory Agency No. S-2646/PM/2003
of, and sign all of the certificates, letters and dated 31 October 2003, the Statement of Registration
documents needed, being present before the by BRI in the event of its Initial Public Offering of Shares
relevant authorities, submitting a request to the became effective. The IPO pertained to the offering
relevant authorities or reporting the above matters of 2,047,060,000 (two billion forty-seven million and
to the relevant authorities pursuant to the laws and sixty thousand) of Series B Shares, which represent
regulations and undertake all necessary steps that the divested shares of the Republic of Indonesia, in
are deemed useful in connection with the changes addition to 1,764,705,000 (one billion seven hundred
in the Company’s Articles of Association. sixty-four million seven hundred and five thousand) of
newly issued Series B Shares by the Company, at a
nominal value of Rp500 (five hundred rupiah) per share.
9.
The shares began to be traded on 10 November 2003; Stock Exchange No. Kep‑305/BEJ/07‑2004. The
and were simultaneously listed on the Jakarta and vesting period for all MSOPs were up to one year after
Surabaya stock exchanges. the commencement date. MSOP I and MSOP II could
be exercised at any time following the vesting period,
Subsequently, options on over subscription amounting up until the maturity date of each MSOP phase.
to 381,176,000 Series B Shares and over allotment
amounting to 571,764,000 Series B Shares, both The exercised MSOP shares up to 31 December 2008,
belonging to the Republic of Indonesia (divestments) amounted to 560,594,500 shares.
at the strike price of Rp875 (eight hundred seventy-five
rupiah) per share had been exercised on 10 November Number of Shares Shares
Shares
Exercised
2003 and 3 December 2003, respectively. MSOP MSOP Exercised Exercised
up to end of
Phases Shares in 2007 in 2008
2008
(share) (share) (share)
(share)
Management Stock Option Program (MSOP)
Phase I 235,294,100 230,201,000 798,000 230,999,000
In the Extraordinary General Meeting of Shareholders
Phase II 235,294,100 225,734,000 1,207,500 226,941,500
on 3 October 2003, the Company decided to carry
Phase III 117,647,050 97,160,500 5,493,500 102,654,000
out a Management Stock Option Program (MSOP).
Total 588,235,250 553,095,500 7,499,000 560,594,500
In this program the number of stock issued reached
588,235,250 with the following allocation:
The exercise period of MSOP I ended on 9 November
2008. As at the end of the exercise period, a total of
Number of
Phases
Shares
Date of
Exercise Price
4.3 million shares had not been exercised.
of Percentage Option
MSOP per Share
MSOP Issuance
(share)
Specific to the exercise of Phase III of the MSOP, which
Phase I 235,294,100 40% 10 Nov 2003 Rp962.50
runs until the end of 2008, the details are as follows:
Phase II 235,294,100 40% 10 Nov 2004 Rp1,750.00
Phase III 117,647,050 20% 10 Nov 2005 Pursuant to

Bapepam-LK Number
Periods of Exercised of Shares
& IDX Exercise Period
MSOP III Price (Rp) Exercised
(share)
Total 588,235,250
Period 1 15 Nov - 27 Dec 2006 4,450 76,478,000
Period 2 8 Jun - 19 Jul 2007 5,188 13,581,000
MSOP Execution Period 3 15 Nov - 19 Jul 2007 6,385 7,939,000
The MSOP was executed in 3 (three) phases: MSOP I, Period 4 10 Jul - 14 Aug 2008 4,572 2,828,500
Period 5 3 Dec - 24 Dec 2008 2,907 1,827,500
MSOP II and MSOP III. The execution of MSOP I
and MSOP II were based on earlier Capital Market
Supervisory Board and JSX (now IDX) regulations; while
MSOP III was based on the Regulation of the Capital
Market Supervisory Board No. IX.D.4 and Regulation
on Securities Listing Procedures No. 1‑A Attachment.
The Decree of the Board of Directors of the Jakarta
10.
Shares Ownership
Compared to 2007, as at year-end 2007, the number
of BRI’s shares outstanding increased by 0.061%, from
12.32 billion to 12.33 billion shares. The increase was
attributed to the subscription of additional shares from
the exercise of the MSOP during the year. Along with
the increased number of outstanding shares, there was
a dilution of the Government shareholding of BRI, from
56.83% as at year-end 2007 to 56.79% at year-end
2008.
Share Ownership of BRI
Number of Shareholders Number of Shares Percentage

Category of
Shareholders 2008 2007 2008 2007 2008 2007
The Government of the 1 1 7,000,000,000 7,000,000,000 56.79% 56.83%

Republic of Indonesia
Public 10,574 8,845 5,325,299,500 5,317,800,500 43.21% 43.17%

Domestic Investor 9,943 8,331 1,129,266,422 762,530,967 9.16% 6.19%
Individual 3,988 2,201 66,975,650 50,852,650 0.54% 0.41%
Employee 5,529 5,755 86,169,500 87,260,000 0.70% 0.71%
Regional Government 1 1 159,000 159,000 0.00% 0.00%
Institution 425 374 975,962,272 624,259,317 7.92% 5.07%
Foreign Investor 631 514 4,196,033,078 4,555,269,533 34.04% 36.98%
Individual 25 9 1,778,000 287,000 0.01% 0.00%
Institution 606 505 4,194,255,078 4,554,982,533 34.03% 36.98%
Total 10,575 8,846 12,325,299,500 12,317,800,500 100% 100%
Note: In 2008 there were no public shareholders that held more than 5% of BRI shares.
Use of the Proceeds from Initial Public Offering • A total of 10% or approximately Rp147 billion for
The following information sets forth the details of the the financing of future growth prospects, research
use of the proceeds from the Bank’s Initial Public and development, loan disbursement and other
Offering (IPO) of shares in the amount of Rp1.47 trillion, financing.
pursuant to what was stated in the IPO prospectus, as
follows: As at year-end 2008, a total of 89.14%, or
• A total of 60% or approximately Rp883 billion approximately Rp1.31 trillion of the IPO proceed
was allocated for the upgrading of the Bank’s allocation had been realised, as follows:
information reporting system and the roll-out of the • A total of Rp723.36 billion for the upgrading of the
core banking application system; information reporting and core banking systems;
• A total of 30% or approximately Rp441 billion for • A total of Rp441.63 billion for the expansion of
the expansion of the Bank’s branch office and BRI branch office and BRI Unit network;
Unit network; • A total of Rp147.21 billion for the development of
future growth prospects.
Ratings of BRI in 2008
11.
The following table shows the ratings of BRI by three rating agencies: Moody’s, Fitch and PEFINDO.
MOODY’S
National Rating
- National Scale Rating Aaaid
Global
- Outlook Stable
- Domestic Currency Long Term Deposit Baa2
- Foreign Currency Long Term Deposit B1
- Foreign Currency Sub Debt Ba2
FITCH
National Rating
- Long Term AAA (idn)
Global
- Long Term Foreign Currency BB
- Short Term Foreign Currency B
- Outlook Stable
- Individual C/D
- Support Rating 3
- Support Rating Floor BB-
PEFINDO
Corporate ID AAA
Sub-Ordinated Bond ID AA+
2008 Significant Events
12.
FEBRUARY
JANUARY
MARCH
23 22 23
MARCH
MAY
MAY
25 11-18 22
JULY
MAY
MAY
26 28 12
Date Events
23 January 2008 BRI and Holcim signed an MOU on providing the benefit of banking products and services for the
(Jakarta) business of home solutions.
22 February 2008
Launch of BRI’s Micro KUR products
(Jakarta)
23 March 2008 Social Donation by BRI in the form of 32,000 staple good packages for fishermen in the coastal areas
(Jakarta) of Jakarta, Bekasi and Karawang.
25 March 2008 BRI cooperated with the Department of Forestry on the management of a revolving funds for the
(Jakarta) development of industrial forests.
11-18 May 2008 BRI became the main sponsor of the Thomas-Uber Cup Championship event at the Istora Senayan
(Jakarta) stadium, Jakarta.
To provide convenient service for the management of tuition fees of university students, BRI
22 May 2008
undertakes a cooperation with the State University of Semarang for the processing of student tuition
(Semarang)
via online banking.
26 May 2008
Convening of the Bank’s Annual General Meeting of Shareholders in 2008.
(Jakarta)
28 May 2008 Signing of the Working Agreement between the Financial and Development Supervisory Board (BPKP)
(Jakarta) and BRI in the management of the Expenditure Fund from the BPKP State Budget.
12 July–31 August 2008 The Simpedes Folks Festival commenced on the 12th of July, carried out in turns in 282 Branch
(Wonosobo) Offices throughout Indonesia.
13.
AUGUST
AUGUST
AUGUST
15 27 28
NOVEMBER
SEPTEMBER
OCTOBER
12
11 23 25
NOVEMBER
NOVEMBER
DECEMBER
17 30 2
Date Events
15 August 2008 Signing of the MOU between the State Ministry for the Empowerment of State Apparatus and BRI on
(Jakarta) the Management of Data on State Apparatus through Banking Services and the launch of the “Red
and White” ATM Card.
27 August 2008 Signing of the Working Agreement between PT Sumber Alfaria Trijaya (AlfaMart) and BRI for
(Jakarta) investment credit facilities to the franchisees of Alfamart.
28 August 2008 Signing of the Working Agreement between the Department of Defence of RI with BRI in the
(Jakarta) management of funds of the State Budget for defence through the use of banking services.
11 September 2008
BRI cooperated with PT Timah Tbk. in the use of banking products and services.
(Jakarta)
Founding of the Training Centre of Batik from the Royal Court of Kanoman Cirebon, in cooperation
23 October 2008
with the Nurani Budaya Indonesia Foundation as one of the programs of the BRI Platinum Credit
(Cirebon)
Card, reflecting BRI’s commitment to promote the “Indonesia Heritage”.
25 November 2008 Public Expose by BRI during the Investor Summit 2008 event at the Ritz Carlton Jakarta, Pacific
(Jakarta) Place.
17 November 2008 – Prize Draw of the Untung Beliung BritAma program, with the grand prize of a Range Rover and
16 March 2009 (Jakarta) weekly prizes of 120 All New Nissan X-trail and 680 cash checks of Rp20 million each.
30 November 2008 BRI together with Perum Perumnas undertake the socialization program for the subsidized KPR/
(Surabaya) KPRS home financing.
2 December 2008 BRI organized an Exclusive Talk Show, the Andy F. Noya Forum, entitled “Facing the Impact of
(Jakarta) Second Waves Global Crisis”, at Ritz Carlton Hotel, Pacific Place.
AWARDS 2008
14.
Infobank Magazine Bisnis Indonesia Daily

Best Performing Bank Banking Efficiency Award,
SOE Bank Category
Investor Magazine Forbes Magazine:

Best Bank of 2008 Asian Fabulous 50
Bank BRI, the only company
from Indonesia to make it into
the Forbes Fabulous 50 list
SWA & Stern Steward & Co Alpha Southeast Asia

Best Public Companies Based Best Bank in Indonesia
on Wealth Added Index,
Method, First in Banking
Category
SWA Magazine MRI & Infobank Magazine

In Cooperation with Perbanas Third Best SMS Banking
& Synovate Consultants:
Consumer Banking Excellence
Award
SWA and MARS Magazines MRI & Infobank Magazine

Indonesian Best Brand Award The Rising Star Bank in Service
and Prospective Brand Excellence
Asiamoney ABFI Banking Award &

Best Domestic Bank in Perbanas
Indonesia Best Banking Performance
2008
Finance Asia
Best Bank in Indonesia
Thirty Million Customers of BRI,
Growing and Prospering Over Time
15.
BRI continues to develop and improve the service quality of its banking network which as at year-end 2008 had
comprised more than 5,400 Operating Units, and growing.
There are at least four key reasons why BRI has Second, BRI has been entrusted as one of the
approximately 30 million customers who rely on its state-owned banks to implement the government
banking services that are truly rooted in the daily lives cash management system through the Treasury
of a broad segment of the public - much broader and Single Account that aims to increase the efficiency of
deeper than the banking service of any other major managing the state budget cash flows through a single
bank in the country today - whether private or state- bank account. This trust once again places BRI in the
owned banks. forefront of public finance policies and implementation
that are beneficial to the interest of the general public.
First, BRI is deeply concerned about the economic
welfare and growth of the low-to-middle income group Third, BRI has committed itself to be the primary
people that still account for the majority of Indonesia’s transactional banking conduit - the National Payment
population of some 240 million people. This concern Gateway bank of Indonesia - by relying on advanced
is manifested among other things by the strong banking technology that is constantly upgraded, a
emphasis that BRI places on the micro, small and banking network that stretches to the far corners of
medium-sized enterprise (MSME) banking segment, Indonesia, and a customer base that is unmatched by
as well as the Bank’s active role in supporting the KUR any bank in the country today.
(People Business Loan) program that has recently been
promulgated by the government. Fourth, BRI continues to expand and enhance the
service quality of its banking network which as at year-
end 2008 had comprised more than 5,400 Operating
Units, and counting. With a network of such breadth
and depth, BRI continues to solidify its position among
the 10 largest banks in Indonesia today, climbing to
being the second largest bank in terms of assets, and
the number one bank in terms of profitability in 2008.
KUR - People Business Loan
Micro, small and medium-sized enterprise (MSME) Aware of all this, the government has initiated a
businesses are the backbone of the national economy. It breakthrough through the development of the People
is estimated that roughly half of the nation’s population Business Loan scheme, otherwise known as KUR. The
or approximately 120 million people depend their scheme is aimed at supporting the growth of Micro and
livelihoods in one form or another to economic activities Small Businesses and Cooperatives, through bank loans
related these MSME businesses. that are partially covered by credit insurance agencies.
Statistical data indicates that the total number of As at year-end 2008, the nationwide disbursement of
MSME throughout Indonesia is approximately 48 million KUR had reached over Rp12.6 trillion, encompassing a
business units. Merely 35% of that figure have access to total of 1,671,668 individual debtors. Of those figures,
bank loans. BRI disbursed more than Rp9.2 trillion of KUR to
1,615,973 debtors. This means that, disbursement-
The growth potential of the MSME itself is actually wise, BRI accounted for 73% of the KUR market share,
extraordinarily significant. The potential of this segment whereas in terms of number of debtors, BRI’s share
to absorb the national workforce is also considerable, exceeded 95%.
and accounting for an estimated contribution of 53% to
the national Gross Domestic Product (GDP) output. KUR offers so many benefits to grass root economies,
strengthening the backbone and joints of the national
The problem is that so many of these MSMEs are economy, generating income and growth for millions of
feasible businesses in their own right, but are not families, as well as profitability to the banking sector.
bankable because they lack adequate collaterals, do not
maintain proper accounting or even rudimentary book-
keeping, or has no grasp whatsoever of the concept of
bank credit much less attaining one.
Big and Bountiful
Treasury Single Account

Prior to the enactment of Law No. 1 of 2004 on State From a number of banks that participated in the tender
Treasury, the government receipt and expenditure to become the Operating Bank to serve 30 Regional
accounts are scattered in numerous banks throughout Offices of the General Directorate of Treasury of the
the country. This poses a problem for the government Ministry of Finance, BRI won the tender and was
to account for the exact amount of treasury at any given appointed as Operating Bank One (OB1) for 27 Regional
time, makes it almost impossible to manage treasury Offices comprising of 162 State Treasury Service Offices
effectively, and increases administrative cost from having throughout Indonesia.
so many bank accounts.
There are numerous business opportunities that can
Pursuant to the above Law, all of government receipt be derived from being the TSA operational bank, such
and expenditure have since been made through a as benefitting from the low-cost funds on the deposits
single account, namely State General Cash Account (or of state treasury that is remitted via the TSA with BRI.
Rekening Kas Umum Negara/RKUN) or the Treasury Furthermore, BRI can provide loans to projects that are
Single Account (TSA) The opening of this single account funded by the state budget, the expenditure of which
is subsequently tendered to appoint the implementing will be made through the TSA. More importantly, the
banks or the so-called Operating Bank. largest benefit that can be derived from the TSA is the
opportunity that it affords BRI to become a National
Payment Gateway bank in the near future.
National Payment Gateway
For a bank with the scale of operations as huge as is poised to achieve its goal of becoming a National
BRI’s - with a customer base of more than 30 million Payment Gateway bank. By serving as national
accounts, tens of thousands of proprietary or joint payment gateway, the Bank will not only be able
ATM networks, and e-Banking delivery channels such strengthen its customer base further, but also increase
as phone banking or SMS banking services - the its fee-based income.
opportunity to serve as a National Payment Gateway is
wide open. To that end, BRI continues to invest in information
technology, enhance the integration of its banking
A national payment gateway system aims to facilitate network, service and infrastructure, while also preparing
quick, reliable and beneficial financial payment its people accordingly in order to support a truly
transactions. With customers numbering in the tens effective platform for the payment gateway operations.
of millions, equally robust ATM and branch networks,
and the support of advanced banking technology, BRI
Banking Network
With a strong focus on the MSME business segment, 45 Sharia Banking Branch Offices. Of these, a total of
BRI has the largest banking network of any bank in 3,879 BRI offices have been linked on-line and real-time.
Indonesia. In 2008 alone, BRI added more than 400 The electronic links of BRI’ network will continue until all
Operating Units, which means that for each day of the of the Bank’s Operating Units are linked on a real-time
year, the Bank opened more than one new Operating and on-line basis.
Unit to serve its customers.
BRI will continue to expand and develop its banking
As such, as at year-end 2008, BRI has had more than network, reaching more areas that are potential for the
5,400 Operating Units that are spread throughout Bank to grow its business sustainably over the long-term.
Indonesia, comprising of 14 Regional Offices, 372 Branch
Offices, three Overseas Offices, 337 Sub-branch Offices,
179 Cash Offices, 4,417 BRI Units, 76 Service Posts, and
Report of the President
Commissioner
18.
Bunasor Sanim
President Commissioner
19.
Assalamu’alaikum Wr. Wb.
With the good grace of God Almighty, BRI was able to Board of Commissioners expresses its appreciation
improve its performance in 2008 compared to that of and gratitude to the Management of BRI and each and
2007, despite the global economic crisis, the impact every employee of the Bank for their tireless efforts
of which was beginning to be felt by the Indonesian and support in 2008. We hope that these efforts and
banking sector during the closing months of 2008. support will continue to accompany the Bank in order
The benchmark interest rate of Bank Indonesia at to maintain and increase the Bank’s sustainable growth
year-end 2007 was 8.00% and in line with the policy of in the future.
Bank Indonesia in anticipation of the impact from the
global economic crisis, the interest rate was increased The macro economic conditions of Indonesia in 2009
to 9.25% as at year-end 2008. The increase was are expected to be clouded by the impact of the
obviously responded by the banking sector through global economic crisis, such as declining exports and
interest rate adjustments for deposits and loans that lower economic growth compared to those of 2008.
suit the conditions of the respective banks.
As an integral part of the national banking sector, Bank Rakyat Indonesia successfully navigated through
2008 with encouraging results compared to those of the previous year.
As an integral part of the national banking sector, Bank The potential adverse effects of the global crisis,
Rakyat Indonesia successfully navigated through 2008 should be anticipated Bank-wide by taking all efforts
with encouraging results compared to those of the and fully implement the principles of good corporate
previous year, evident among other things through the governance (GCG) and risk management effectively.
increase in total assets by 20.78%, growth of credit In that regard, the Board of Commissioners remains
by 41.36%, a rise in Loan to Deposit Ratio to 79.93%, committed to directing the Bank to produce maximum
a decline of gross NPL to 2.80% as well a net NPL shareholder value that is also sustainable. The Board
to 0.85%. The Bank’s operating efficiency ratio was of Commissioners expects that GCG could be an
also managed at around 48.83%. In terms of credit, integral part of the Bank’s culture and awareness
the growth of credit in 2008 was among other things that is inherent in the day-to-day activities of the
attributed to the growth of Kredit Usaha Rakyat (people organisation. In addition to the effective implementation
business credit) that accounted for 18.24% of the of GCG and risk management, the impact of the global
Bank’s total credit growth. economic crisis could be anticipated or even mitigated
by accurately assessing future events and from there,
The improved performance as indicated above, formulate the right business strategy, considering that
resulted in an impressive achievement of net profit a turbulent external conditions are likely to influence the
amounting to Rp5.96 trillion in 2008, an increase of Bank.
23.16% from that of the previous year.
Credit expansion in 2009 should remain focused
This achievement was undoubtedly the fruits of on new product innovation in the field of credit,
hard work involving the Bank’s management and in order to support the government’s program
employees with the support of stakeholders. The including Kredit Usaha Rakyat and implementing the
20.
Agriculture Revitalising Program in agriculture, project as well as adequate supporting systems and
management, fisheries and food security. The Program infrastructures;
is carried out by maintaining the prudential principles as 2. The achievement of financial performance or results
well as focusing on the productive MSME sector, and should be followed by social responsibilities and
a minimum total of MSME loan component of 80%. In care for the broader community that encompasses
funding, the strategy for market penetration to increase education, health care, and the environment;
funds accumulation to complement the Treasury Single 3. Innovation and adoption of new technology and
Account of which BRI is an Operating Bank needs new ways should be applicable for the MSME
to be sharply formulated in the face of tough market business through continuing research and
competition. development;
4. The international reputation of BRI in micro banking
The Board of Commissioners will continue to undertake should be enhanced continuously; and
its supervisory duties over the Bank with the help of 5. The commitment towards the development of Bank
Committees under the Board of Commissioners, which BRI Syariah should be maintained.
comprise of the Audit Committee, the Nomination and
Remuneration Committee and the Risk Management The optimism of the Board of Commissioners
Monitoring Committee. Supervision by the Board of is also based on the Bank’s strength in terms of
Commissioners begins with a formulating discussion competent personnel, an extensive branch network,
on the goals and strategies of the Bank to be adopted a large customer base, a solid and stable business
in 2009, followed by the periodical monitoring of fundamental that is supported by a reliable information
the implementation of work plans that represent the technology. Allow me to take this opportunity to report
elaboration of the respective strategies. On the basis of that there has been no change in the composition of
the goals and strategies that have been set for 2009, the Board of Commissioners in 2008 as presented
the Board of Commissioners is optimistic that the herein.
Bank’s performance in 2009 will be able to meet its
growth targets despite the macro economic turbulence
that may arise as a result of the continuing global May God Almighty blesses and guides us all in our
economic crisis. future endeavours.
Several key points that require the full attention of the

Bank in 2009 and beyond, are as follows:
1. Business growth should be complemented by
the availability of high quality human resources
Bunasor Sanim
President Commissioner
Board of Commissioners
21.
From left to right :

B.S. Kusmuljono, Baridjussalam Hadi, Saifullah Yusuf, Bunasor Sanim, Aviliani, Agus Suprijanto, Agus Pakpahan
1. Bunasor Sanim 5. B. S. Kusmuljono

President/Independent Commissioner Independent Commissioner
2. Agus Pakpahan 6. Baridjussalam Hadi

Commissioner Independent Commissioner
3. Agus Suprijanto 7. Aviliani

4. Saifullah Yusuf
Commissioner
Report of the Board of
Directors
22.
Sofyan Basir
President Director
23.
“In terms of total assets, BRI climbed from third to second position. Whereas in
terms of net profit, BRI has since 2005 maintained the distinction of being the most
profitable bank in the country.”
Assalamu’alaikum Wr. Wb.
With gratitude towards God Almighty for His rose from 8% to 9.25%. The Rupiah depreciated by
benevolence, allow me on behalf of the Board of approximately 20% to the US dollar and the nation’s
Directors of Bank Rakyat Indonesia to report to the foreign currency reserves dipped to around US$50
Bank’s shareholders and other stakeholders, some of billion; whereas inflation went up as high as 12.14%
the key highlights and results of BRI for the year ending (year on year) mainly due to the price of crude oil
31 December 2008. which reached its peak of US$147 per barrel. Inflation
receded to 11.9% by year-end 2008 as oil price also
The national banking sector grew rapidly during the first subsided.
semester of 2008, boosted by the considerable pace
of economic growth, the soaring prices of Indonesia’s This development had a negative impact on Indonesia’s
main commodities in world markets, and stable macro- national banking sector, which among other things
economic conditions that were reflected in relatively had to contend with declining net interest margins,
low bank interest rates, controllable inflation rates, and tightening credit liquidity and decreasing bank
a strong Rupiah currency due to the growing foreign profitability.
currency reserves.
Despite the unfavourable economic conditions, BRI
However, the pace of economic growth retreated achieved sterling results in 2008, supported by the
somewhat in the second half of the year, as a result efforts of more than 58,000 personnel, which led to
of a widening global financial crisis that was sparked several improvements in the Bank’s standing among
by the sub-prime mortgage crisis in the USA, which some of the largest banks in Indonesia. For instance, in
ultimately blew up into a monetary crisis and economic the disbursement of credit, BRI rose from second rank
recession of global proportion, and the worst ever since in 2007 to first as at year-end 2008.
the Depression Era of 1929-1931.
In terms of total assets, BRI climbed from third to
As a result of the global financial crisis, the annual second position. Whereas in terms of net profit, BRI
Gross Domestic Product (GDP) growth rate of has since 2005 maintained the distinction of being the
Indonesia declined from 6.3% in 2007 to 6.1% in most profitable bank in the country.
2008. The prime bank interest rate of Bank Indonesia
24.
In addition to improving our position in the league table We are indeed humbled and thankful for being able to
of the ten largest banks in Indonesia today, we also report to our valued shareholders that BRI has been
made progress in our services, information technology, able to achieve all of its business targets set out in
product development, risk management as well as the Company’s Budget and Work Plan of 2008, as
in good corporate governance. All of this was aimed approved by the Board of Commissioners on
at achieving our vision and mission to serve as the 18 December 2007.
premier bank in the country.
For the year ending on 31 December 2008, BRI posted
With the improvements, BRI has succeeded in a net income of Rp5.96 trillion, an increase of 23.16%
building a more solid foundation while also increasing from that of 2007. The net income was mainly derived
the momentum for sustainable long-term growth as from a 17.70% increase in net interest margin and net
mandated by our shareholders and the Bank’s other Sharia margin amounting to Rp19.65 trillion in 2008,
stakeholders. compared to Rp16.70 trillion in 2007. In addition,
other operating income also increased significantly by
During the past several years, BRI has arisen and 39.17% from Rp1.82 trillion in 2007 to Rp2.54 trillion
made great efforts to harness and integrate the Bank’s in 2008.
resources in order to maximize our opportunities to
capture market growth. These resources include a An equally healthy growth was also recorded by BRI
service network that comprises of 5,400 Operating in the figures of total assets, earning assets, and
Units reaching out to the far corners of Indonesia, an third-party funds, which grew in the order of 20.78%,
ATM service network that covers tens of thousands 35.30% and 21.70% to Rp246.08 trillion, Rp228.78
of ATM units at home and abroad, and other forms of trillion and Rp201.54 trillion, respectively, in 2008.
electronic banking services that are at par with those
provided by other major banks in the country. BRI succeeded in enhancing its financial intermediary
role, as reflected in our total outstanding loans as at
Of no less importance has been the strategic step year-end 2008, which amounted to Rp161.11 trillion,
taken by BRI over the past several years to increase increasing by 41.36% from Rp113.97 trillion in 2007.
its banking penetration in the 14 largest cities of In addition to being above the national average credit
Indonesia. Several lending and funding products that growth rate of 30.5% in 2008, our growing credit
are more suited to urban communities were developed increased the Bank’s loan-to-deposit ratio (LDR) from
in 2008, with encouraging results. The move has 68.80% to 79.93% as at year-end 2008.
positioned BRI as a bank that is highly regarded by
Indonesian from all walks of life, among rural and urban Our credit disbursement remains focused on the MSME
communities. This is because the Bank had been (micro-small-medium-sized enterprise) sector that to
equally successful in strengthening both its rural and this day constitutes the core strength of BRI with its
urban banking franchises, establishing a truly solid overreaching service network, in addition to the fact
platform that would support sustainable growth over that this sector represents the backbone of the national
the long-term.
25.
“BRI has disbursed a total of Rp9.2 trillion of KUR and reached out to 1.5 million
new debtors. Backed by and adequate loan guarantee, the KUR scheme has
become an effective means of providing credit to the micro and small business
sector that is previously beyond the reach of bank financing.”
economy that touches the lives and livelihoods of most any other KUR-disbursing bank in the market today.
of Indonesia’s current population of approximately 240 Backed by a credit guarantee that covers 70% of the
million people. credit value, the KUR scheme has become an effective
means of providing credit to the micro and small
More than half of this population rely their livelihoods business sector that is previously beyond the reach of
on the agricultural, plantation, traditional markets, bank financing.
retail trade and the micro, small and medium-sized
businesses that constitute BRI’s primary credit In line with an ever growing presence in the micro,
portfolio. Indeed, our involvement in the MSME market small and medium-sized businesses, BRI has forged
today has become even more crucial in the wake of a a strong alliance with several financial institutions of
global economic recession that is presently upon us. national-scale as well as with state-owned enterprises.
These efforts are being led by the Bank’s Directorate
With the anticipated decline in global export-import of Institutional Business that was formed in 2007. In
activities in 2009, we believe that economic growth hindsight, the move proved to be beneficial as we now
dynamics will depend largely on the domestic market. seek to harness our collective strengths and resources
This is where the role of BRI becomes key as we to counter the unwanted effects that a global economic
continue to support the business activities of MSME recession may have on the national economy.
that largely cover the domestic market.
Meanwhile, in the commercial banking sector, BRI also
One of the more prominent roles of BRI in the MSME participates actively in various credit syndications to
market segment was our successful drive in the finance major infrastructure projects such as toll roads,
disbursement of the Kredit Usaha Rakyat (KUR) - power plants and others. Large-scale infrastructure
People Business Loan - that has been in progress projects tend to produce broad trickle-down effects
since 2007. KUR is a credit program that is aimed at that also benefit small and medium-sized businesses
micro and small businesses that are feasible but not that represent our core target market. Moreover, these
yet bankable. As at year-end 2008, BRI had disbursed projects open cross-selling opportunities for BRI to
a total of Rp9.2 trillion of KUR and reached out to offer services - such as cash management - that are of
1.5 million new debtors, the largest figures among strategic value to the Bank.
26.
BRI is also making headway in generating third-party In line with our resolve to position the Bank at par with
funds, primarily as a source for cost-effective funding. the leading service provider of the banking industry, BRI
Fuelled by the success of our marketing ploy, “Untung continues to improve its banking services. A tangible
Beliung BritAma” (or literally the “BritAma Winds of result of the service improvements undertaken by the
Fortune”) in 2007, we followed up on that success Bank in 2008 was the recognition from Marketing
by launching the more powerful Britama-Second- Research Indonesia that acknowledged BRI as The
Phase program, ”berkali-kali menangnya”, (“winning Rising Star in Service Excellence from its Bank Service
more than once”), which succeeded in gaining new Excellence Monitoring (BSEM) of 19 banks in Indonesia
depositors, bringing the total number of savers to 4.5 for the period 2007/2008. The Award was given for
million, and generating more than Rp30.65 trillion in BRI’s successful drive to climb from 18th place in the
total deposits for BRI as at year-end 2008. 2006/2007 period to 12th currently. In the coming
“The year 2008 proved to be a fast-paced growth and rewarding year for the
management and employees of BRI. Undoubtedly, the resilience of Indonesia’s
national banking sector will be tested in 2009, including that of BRI’s.”
For the other leading savings product of BRI, namely years, we aim to place BRI among the leading banks in
the Simpedes that cover the rural areas throughout Indonesia in terms of customer service.
Indonesia, we successfully staged the “Pesta Rakyat
Simpedes” (Simpedes Folks Festival) from early July to In order to build our business and quality of service,
late August to coincide with the harvest season. These BRI continues to take several initiatives, including the
parties involved below-the-line activities in 282 branch expansion of Operating Units. In 2008, we added 400
offices and 14 regional offices of BRI throughout BRI Operating Units to our already extensive service
Indonesia. These parties succeeded in generating both network, which was akin to opening more than one unit
depositors and deposits with the Simpedes savings each day throughout the year.
account. As at year-end 2008, there were in total
18.7 million Simpedes account holders with savings To complement such growth, we develop our human
amounting to Rp56.28 trillion. capital on a continuous basis, quantity as well as
27.
quality-wise. In 2008, BRI recruited 881 permanent Risk management is implemented holistically across
employees and more than 17,000 out-sourced every organisational line, on credit risk, market risk,
personnel, most of whom were slated for marketing liquidity risk and operational risk, leading to the
duties. implementation of risk management pursuant to the
Basel II recommendations. In addition, BRI also refers
Our strong performance is reflected in the strength of to the guidelines of Bank Indonesia on managing
our key financial ratios, which have consistently been the eight risks associated with a commercial bank
above average. Returns on assets (ROA) and on equity within the scope of the above-mentioned holistic risk
(ROE) were 4.18% and 34.50%, respectively. Whereas management.
the Bank had gross nonperforming loan (NPL) ratio
of 2.80% as at year-end 2008, and buttressed by a The year 2008 proved to be a fast-paced growth and
capital adequacy ratio (CAR) of 13.18% in 2008. rewarding year for the management and employees of
BRI. However, the year 2008 was also ominous for the
Not to be outdone is the implementation of good global economic crisis that it brought. Undoubtedly, the
corporate governance (GCG) through the engagement resilience of Indonesia’s national banking sector will be
of rules and standard operating procedures that tested in 2009, including that of BRI’s. Nevertheless,
have also been improved. Faced with a banking we remain highly confident of the Bank’s ability to
environment that will require greater prudence with maintain a sustainable growth and achieve its goal of
respect to uncertainties in the global economy, BRI being the largest and best bank in Indonesia, with a
has prepared itself in optimising the functions of significant role in the national economic development.
corporate governance, risk management and internal
controls. BRI has and will always adhere to all prevailing On behalf of the Board of Directors, allow me to
laws and regulations, uphold the principles of good express our gratitude to all of our customers and the
corporate governance encompassing transparency, people of Indonesia for the trust and support that
accountability, responsibility, independency and they have given BRI over the years. We also express
fairness; and enhance the roles of committees in taking our appreciation to the Government of Indonesia,
important decisions of the Bank. A more detailed shareholders, the Board of Commissioners and the
discussion on the Bank’s corporate governance is Sharia Supervisory Board, as well as to all of our
presented in the chapter on Corporate Governance of business partners with whom BRI has continued to
this Annual Report. forge beneficial relationships. Last but not least, we
owe a big debt of gratitude to all of our employees,
for their tireless efforts and contributions to the
advancement of BRI.
28.
On the occasion, we would also like to report that In my opinion, the highly conducive working
there has been no change in the composition of the environment at BRI was a key factor behind our
Board of Directors during the year under review. I achievements in 2008, and God Willing, in the years to
am also pleased to emphasize that the Directors of come.
BRI work effectively as a team, and maintain good
working relations with one another, as well as with the
employees and Labour Unions of the Bank.
Sofyan Basir
President Director
Board of Directors
29.
From left to right :

Lenny Sugihat, Suprajarto, Sudaryanto Sudargo, Sofyan Basir, A. Toni Soetirto, Asmawi Syam, Sarwono Sudarto,
Bambang Soepeno, Abdul Salam, Sulaiman A. Arianto
1. Sofyan Basir 6. A. Toni Soetirto

President Director Director of Consumer Business
2. Sarwono Sudarto 7. Lenny Sugihat

Director of Operations Director of Credit Risk Control
3. Abdul Salam 8. Bambang Soepeno

Director of Finance Director of Compliance/
Risk Management
4. Sudaryanto Sudargo
Director of Commercial Business 9. Asmawi Syam
Director of Institutional Business
5. Sulaiman A. Arianto
Director of Micro, Small and 10. Suprajarto
Medium Enterprises Business Director of Network and Services
Organisational Structure
30.
Shareholders Meeting
Board of Commissioners
Sharia Supervisory
Board Board of Directors
President Director (CEO)
Director of Director of Director of Director of Director of

MSME Consumer Commercial Institutional Network and
Business Business Business Business Services
Micro Business Funds Services General Business Institutional Retail Business

Division Division Division Relations Network
Division Division
Retail Loans Credit Card Agribusiness

Division Division Division SOE Business Micro Business
Division Network
Division
Program Consumer
Business Division Loans Division Cash
Management Services
Desk Division
Sharia Business Marketing
Unit Communications
Division
Special Branch
Regional Offices
Office
Sharia Branch
Offices
Branch Offices
31.
COMMITTEES*
COMMITTEES**
Director of Director of
Director of Director of
Credit Risk Compliance/Risk
Finance Management Operations
Management
Treasury Credit Risk Risk Operations Cen- Internal

Division Analysis Division Management tre Division Audit
Division
Financial & Loans Information Corporate

Management Restructuring & Strategic System and Secretariat
Accounting Recovery Planning Division Technology Division
Division Division Division
Legal Human
International Credit Logistics &
Division Resources
Business Division Administration Fixed Assets Management
Division Management Division
Compliance Division
Overseas Division
Offices
Education &
Training
Division
*) Committees under BoC : Audit Committee, Nomination & Remuneration Committee, Risk Management Monitoring Committee
**) Committees under BoD : Risk Management Committee, Credit Policy Committee, Credit Committee, ALCO,
Human Resources Committee, IT Committee
Serving from Sabang to Merauke
More than 5,400 BRI Operating Units serve approximately 30 million customers across Indonesia from Sabang to Merauke,
making BRI as a bank that operates the largest banking network in Indonesia. Millions of banking transactions are carried out
by BRI each day. In 2008, all of BRI’s Operating Units generated interest income of Rp28.10 trillion, net interest income of
Rp19.65 trillion, and net income of Rp5.96 trillion. As at year-end 2008, BRI had disbursed loans totalling Rp161.11 trillion and
generated third-party funds totalling Rp201.54 trillion.
Comparative Data between BRI
and the National Banking Sector
34.
Loan Market Share Loan to Deposit Ratio (LDR)
1,500 12.32
11.40 %
11.15
11.36 100
10.81 10.86 10.00%
1,307.7
74.58
1,000 66.32
59.66 61.56
Rp billion
1,002.0
49.95
50
792.3
5.00%
695.6
500
559.5
75.69
79.93
161.1
68.80
77.83
72.53
113.9
440.5
90.3
62.4
75.5
47.6
0
0 0.00% 2004 2005 2006 2007 2008
2003 2004 2005 2006 2007 2008
BRI Commercial Bank
Commercial BRI % to Commercial
Bank Bank
Banking Sector Banking Sector

Aggregate loan outstanding by the banking sector in As at year-end 2008, the LDR of the national banking
Indonesia grew by 30.51% to Rp1,307.7 trillion as at year- sector reached 74.58% with a growing trend.
end 2008.
BRI
BRI In line with national banking trend, BRI’s LDR rose to
Lending by BRI has grown significantly over the years, its 79.93% as at year-end 2008. This indicates that BRI was
loan market share to 12.32%. In 2008, BRI loans rose by able to fulfil its financial intermediary role effectively to fuel
41.36% to Rp161.1 trillion from Rp113.9 trillion in 2007. the growth of grass root economies.
Deposit Market Share Ratio of Low-Cost Funds
%
11.49
2,000 10.96 12.00%
80
9.67
8.59 8.60
1,600 60
1,753.3
Rp billion
8.56 7.00% 56.29 52.21 55.87

49.91 52.96
1,510.8
1,200 40
1,287.1
20
70.31
68.79
69.23
66.10
63.51
1,127.9
800
2.00%
963.1
201.5
124.5
0
165.5
888.6
400 2006 2007 2008

82.4
97.0
2004 2005
76.3
0 -3.00% BRI Commercial Bank

2003 2004 2005 2006 2007 2008
Commercial BRI % to Commercial
Bank Bank

Total deposits of the national banking sector grew by In 2008, the ratio of low-cost funds within the national
16.05% from Rp1,510.8 trillion to Rp1,753.3 trillion as at banking sector reached 52.96%.
year-end 2008
BRI
BRI BRI has been able to maintain the composition of its
As at year-end 2008, BRI’s market share of its deposits low-cost funds to account for more than 60% of total
had increased to 11.49%. During the year, third-party deposits, in order to sustain a level of NIM that is targeted.
deposits at BRI reached Rp201.5 trillion, an increase of As at year-end 2008, savings and demand deposits at BRI
21.70% from Rp165.5 trillion in 2007. accounted for 63.15% of total deposits.
35.
Net Interest Margin (NIM) Non Performing Loan (NPL) Ratio
% %
8.00 7.56
12.16
12.15
15
11.16
10.86
7.00
10.18
6.07
6.00
10 5.00 4.5
4.07
4.00 3.2
5.88 5.63 5.80 5.70
5.66 3.00
5
2.00
4.19
4.68
4.81
3.44
2.80
1.00
0 0
2004 2005 2006 2007 2008 2004 2005 2006 2007 2008
BRI Commercial Bank BRI Commercial Bank

The average NIM within the national banking sector in the The loan quality within the national banking sector has
past five years was in the range of 5% to 6%. In 2008, the continued to improve, marked by the decline in non
average NIM was 5.66%. performing loans to just 3.2% in 2008.
BRI BRI
The Net Interest Margin of BRI in the past five years had Over the past five-year period, the rate of NPL at BRI had
been consistently above 10%, backed by a business always been below the NPL of the national banking sector.
model and a composition of third-party funds that are In 2008, BRI had a lower NPL of 2.80%.
more than adequate.
Return on Assets (ROA) Capital Adequacy Ratio (CAR)

%
25.00
% 21.27
19.42 19.30 19.30
20.00
7.00 16.76
6.00
15.00
5.00
4.00 3.46
2.55 2.64 2.78 10.00
3.00 2.33
16.19
15.29
18.82
15.84
13.18
2.00
5.77
5.04
4.36
4.61
4.18
5.00
1.00
0
0
2004 2005 2006 2007 2008
2004 2005 2006 2007 2008
BRI Commercial Bank
BRI Commercial Bank

ROA of the national banking sector reached 2.33% in During the past three years, the CAR of the national
2008. The relatively low ROA was mainly due to the decline banking sector has shown a declining trend. In 2008, the
in profitability of national banks as a result of the global average CAR of national banking decline to 16.76% from
economic crisis. 19.3% in 2007.
BRI BRI
Over the past five years, BRI had consistently In 2008, BRI posted a CAR level of 13.18%, a decline from
outperformed the ROA of the banking sector. the previous year due to the fact that the pace of business
In 2008, the ROA of BRI was 4.18%. growth of BRI was faster than that of capital accumulation.
Management Discussion and
Analysis of the Company’s Results of
Operations and Financial Condition
36.
General Overview of the Company financing working capital or other purposes.

KUR is a new loan product launched in late
Growth of Simpedes Committed to Micro, Small and Medium 2007 aimed at eligible small businesses that
Enterprises (MSMEs) are unable to meet banking requirements. KUR
60 CAGR: 21.04%
BRI is strongly committed to supporting is a platform offering loans of up to Rp500
the growth of Micro, Small and Medium million with loan guarantees of 70% from
40
Enterprises. This can be seen from BRI’s range credit insurance institutions. As of the end of
of diverse financial products and services be December 2008, BRI has been able to serve
Rp trillion
20
they savings or loan products, a major portion approximately 1.6 million new KUR customers.
26.22
29.76
38.68
46.60
56.28
of which is intended to serve the Micro, Small In terms of BRI’s total loans, nominal micro-
0
and Medium Enterprises sector. credit loans constitutes approximately 30% of
2004
2005
2006
2007
2008
the total credit portfolio, but if seen in terms

Growth of BritAma On the savings side, BRI is committed to of total debtors, the proportion of micro-
maintaining its composition of low cost funds, borrowers represents more than 70% of total
40 CAGR: 20.66% which are savings and demand deposits. customers. In addition to micro-credit, BRI
Simpedes and BritAma are BRI’s premier also has diverse commercial loan schemes to
savings products. Simpedes is a product support small, medium and large enterprises.
Rp trillion
20
for the middle to low income groups to save Whereas in the consumer segment, BRI
their money in the bank. Whereas BritAma provides salary-based, mortgage loans (KPR),
14.46
15.97
19.03
24.88
30.65
0 is targeted at the more affluent members of motor vehicle loans (KKB), multi-purpose loans
2004
2005
2006
2007
2008
society. National marketing programs have (KMG) and other loan schemes.
been held for both of BRI’s leading savings
products namely “Simpedes Folks Festival”, In general, the distribution of loans to the
which was held in 282 cities across Indonesia Micro, Small and Medium Enterprises
for the Simpedes savings product, alongside (MSMEs) sectors, always constitutes a high
the “Untung Beliung BritAma” (BritAma Winds portion year-on-year (above 80%) as shown in
of Fortune) program, held in major cities the table below:
nationwide. Whereas for demand deposits,
the role of BRI in the Treasury Single Account Percentage of Loans per Business Segment in the Years
2004 – 2008
program gives BRI a broad opportunity to
BUSINESS
improve its demand deposits performance be SEGMENT
2004 2005 2006 2007 2008
Growth of Micro Loans

it nominally or in terms of the total amount of Micro 30.77 30.17 30.22 28.60 26.54
Small/Retail 51.08 50.42 48.27 46.69 46.61

50
demand deposits.
CAGR: 22.17% - Commercial 28.02 28.01 27.05 27.38 27.66
- Consumer 23.06 21.90 21.22 19.30 18.95

40 Medium 4.59 6.25 8.22 7.33 7.73
On the lending side, BRI offers premier
Total MSMEs 86.44 86.83 86.71 82.62 80.88
30 products such as Kupedes and Kredit
Corporation 13.56 13.17 13.29 17.38 19.12
Usaha Rakyat (KUR). Kupedes is BRI’s
Rp trillion
20
leading product of great interest to micro-

10
19.19
22.78
27.28
32.60
42.76
entrepreneurs, either for investment needs, BRI’s marketing efforts and customers are
0
Dec-04
Dec-05
Dec-06
Dec-07
Dec-08
37.
supported by a very wide network sharia business and in anticipation of the Loans Disbursement by
Regional Office
In developing its business growth, BRI has a sharia banking development in Indonesia, BRI
distinct competitive advantage in having the has seen the need for a Sharia Bank and has
widest network and operations as compared therefore spun-off its Sharia Business Unit into
to other banks in Indonesia. BRI has more the aforementioned Sharia Bank.
than 5,400 offices located throughout the
country, both in major as well as minor cities, The Extraordinary General Shareholders
and even in rural areas. Meeting convened on 5 September 2007,
approved the acquisition of BRI Bank Jasa
Jakarta I & II 28.77% Makasar 7.38%
In addition to its branch network, BRI has, as Arta. The acquisition process was completed Bandung 7.56%
Manado 4.17%
of the end of 2008, 1,796 ATMs (Automated on 19 December 2007. Following the Semarang 5.06%
Banda Aceh 1.63%
Teller Machines). BRI is a partner in the ATM acquisition, Bank Jasa Arta was converted Jogyakarta 6.36%
Medan 5.45%
Surabaya 14.17%
Link, ATM Bersama and ATM Prima network, into a commercial sharia bank in accordance Banjarmasin 3.84%
Padang 3.87%
which has more than 35,000 ATMs across with Deed No. 45 on 22 April 2008 by Denpasar 5.00% Palembang 6.73%
Indonesia. BRI is also a member of the Notary Fathiah Helmi, SH with the name
Cirrus and Maestro ATM network, therefore PT Bank Syariah BRI (BSB). Based on the
BRI customers can use their ATM card in Letter of Decree by the Governor of Bank
machines that have the Cirrus and Maestro Indonesia. 106/KEP.GBI/DpG/2008 on 16
logos around the world. Apart from ATMs, BRI October 2008, BSB obtained permission to
has, in 2008, added to its electronic network change its commercial banking activities from
in terms of Kiosk BRI, Cash Deposit Machine conventional banking into sharia banking,
(CDM) and Electronic Data Capture (EDC), whose business activities are carried out
which is intended to make it easier for its based on the Islamic sharia principles.
customers to access BRI’s banking services.
On 19 December 2008, BRI carried out a spin-
In order to improve the company’s image and off of its sharia banking unit, by integrating it
to introduce more of its products, BRI has into PT Bank Syariah BRI as per the notarial
conducted promotional and public relations deed No. 27, dated 19 December 2008 by
activities, either through electronic media, Notary Fathiah Helmi, SH with the effective
print media, and media rooms. With effective date of separation on 1 January 2009.
marketing campaign efforts, BRI is able to
maintain its customer base. Operational Performance Review
Conversion of Bank Jasa Arta to PT Bank The figures below, with exception of the ratios,
Syariah BRI includes the subsidiary, PT Bank Syariah
Besides undertaking conventional banking BRI (BSB), with total assets of PT BSB as of
business, BRI operates sharia banking 31 December 2008 amounting to Rp483.15
activities through its Sharia Business Unit billion.
(UUS). In order to optimise the growth of its
Net Interest Income
38.
In the financial year ended 31 December 2008, 80.15% of total interest income. While the
Composition of Earning Assets BRI recorded a net interest income of Rp19.65 contribution of income from interest on bonds
2007 – 2008
trillion, an increase of 17.70% compared to in respect to total interest income declined
(in Rp trillion) Rp16.70 trillion from the corresponding period from 8.69% in 2007 to 6.95% in 2008.
161.11
180.00
in 2007.
160.00
The growth in interest income, from Rp23.24 Other Operating Income
113.97
140.00
120.00 trillion in 2007 to Rp28.10 trillion in 2008, or During 2008, other operating income reached
100.00
an increase of 20.89% was due to an increase Rp2.54 trillion, up by 39.17% compared to
80.00
51.32
in interest income, investment securities and Rp1.82 trillion in 2007. The largest contribution
36.90
60.00
sharia financing. The increase in net interest to other operating income was fee-based
18.22
40.00
16.35
20.00
income in 2008 was contributed by the growth income, which rose 21.38% from Rp1.46
0
2007 2008 in lending granted as a result of the credit trillion in 2007 to Rp1.77 trillion in 2008. The
Loans
expansion, which improved the loan quality various components of fee-based income
Recap Bonds and increased other interest income. include, among other things, administrative
Other Earning Assets fees from savings deposits, trade finance,
On the other hand, there is an increase in remittances and credit cards.
interest expenses and sharia financing from
Rp6.54 trillion in 2007, to Rp8.45 trillion in Earning Assets Provision
2008, or a rise of 29.06%. The increase in While the provision for possible losses from
interest expenses was caused by the tight earning assets and other assets amounted
liquidity conditions in the second semester to Rp1.94 trillion in 2007, BRI posted
of 2008, which increased competition for provisions for earning assets and other assets
funding, and resulted in the increase of the of Rp2.84 trillion in 2008, thereby incurring
proportion of BRI’s high-cost funds to total an increase of 46.38%. The increase in the
Third Party Funds from 33.90% in 2007 to provisioning expense was due to BRI’s large
36.49% in 2008. On average, BRI’s cost of credit expansion during 2008. In addition,
funds in 2008 increased to 4.69%, compared the increase in said costs also reflects BRI’s
to 4.52% in 2007. cautious attitude.

On its net interest income in 2008, BRI Other Operating Expenses
recorded a net interest margin (NIM) of In 2008, other operating expenses rose
10.18%, slightly below 10.86% in 2007. This by 21.92%, from Rp9.02 trillion in 2007 to
decrease was mainly due to the unfavourable Rp11.00 trillion in 2008. This resulted in an
interest rate climate during the second half increase of the ratio of operating expense
of 2008. Loans still represent the largest to operating revenue to 72.65% in 2008
contributor to interest income, accounting for compared to 69.80% in 2007. However, the
39.
increase in the ratio was still within reasonable management will ensure BRI’s ability to meet
limits, because of BRI’s significant business all financial obligations at maturity, and with
expansion with the opening of approximately adequate liquidity, BRI has the ability to pursue
400 new offices in 2008. every business opportunity that exists.
Net Profit Therefore, BRI has empowered the ALCO

With the increasing scale of business Committee (Asset-Liability Committee) to
operations, supported by efforts to monitor, measure and anticipate the risks
maintain growth in net interest income and associated with the balance of its assets and
management fees, BRI’s net profit grew liabilities, in the management of the Bank’s
by 23.16%, from Rp4.84 trillion in 2007 to balance sheet.
Rp5.96 trillion in 2008.
Assets
Financial Performance Review BRI’s total assets as of 31 December 2008
reached Rp246.08 trillion, an increase of
General Responsibility and Management of 20.78% compared to Rp203.73 trillion
Assets-Liabilities in 2007. The increase was mainly due to
There were no fundamental changes to BRI’s the expansion of loans and the increase
management policies on assets and liabilities in other earning assets in 2008. The total
in 2008 from previous years, whereby BRI assets comprise of net earning assets (net
gave emphasis to the policy of sustainable of provisioning) of 89.39%, and non-earning
earning assets; the allocation of earning assets assets of 10.61%. The percentage of earning
based on the comparison of commensurate assets to total assets was much higher in
returns against risks; and in terms of liabilities, 2008 than that of in 2007 (79.52%), and
the policy of maintaining the ratio of low cost reflected the successful implementation of the
funds (savings and demand deposits) to at earning assets policy, as mentioned above.
least 60% of the third party fund reserves.
In order to anticipate the likely decrease in Earning assets include loans, placements with
liquidity in the banking sector in general, as Bank Indonesia and other banks, securities,
a result of the global economic recession, in Government Bonds, receivables, and equity
2008 BRI also set its policies on asset and investments. Meanwhile, non-earning assets
liability management with the goal of securing include cash, reserves with Bank Indonesia,
BRI’s liquidity. fixed assets and other assets.
Timely and prudent asset and liability Earning Assets

40.
Growth of Consumer Loans

Total earning assets before provisions as of its diversity in which loans are spread broadly
CAGR: 20.70%
31 December 2008 amounted to Rp228.78 and equitably across Indonesia. This reduces
40
trillion, a 35.30% growth from Rp169.09 trillion the concentration of credit risk in any particular
30 in 2007. Loans (including sharia financing) region.
represented the largest component of earning
Rp trillion
20
assets, accounting for 70.42% of earning Loan Quality

10
assets, increasing from 67.40% in 2007. Loans with Current category rose 41.34%
14.38
16.54
19.15
22.00
30.53
0 The portion of Government Bonds declined from Rp105.04 trillion in 2007 to Rp148.46
Dec-04
Dec-05
Dec-06
Dec-07
Dec-08
from 10.78% in 2007 to 7.15% in 2008, due trillion in 2008, while loans in the Special
to maturity. Meanwhile, the proportion of Mention category increased by 62.98% from
Growth of Small Commercial other earning assets to total earning assets, Rp4.99 trillion to Rp8.13 trillion, and Non
Loans
including Bank Indonesia Certificates (SBI), Performing Loans increased by 14.52% from
50 CAGR: 26.34%
rose from 21.82% in 2007 to 22.43% in 2008. Rp3.94 trillion to Rp4.52 trillion.
40 The accumulated allowance for possible
30 losses on earning assets as of 31 December The Non Performing Loans (NPL) ratio
2008 increased by Rp1.74 trillion, or 24.60%, improved, from 3.46% in 2007 to 2.80% in
Rp trillion
20
to Rp8.81 trillion, in line with the growth of 2008. The decline in NPL occurred in the
10
earning assets of 35.30% during the year. Micro Loan segment from 1.19% to 1.02%,
17.47
Dec-05 21.55
24.42
31.09
44.52
0 Small Commercial Loans from 5.77% to

Dec-04
Dec-06
Dec-07
Dec-08
Loans 3.52%, Small Consumer Loans from 1.67%

Loan disbursement, including sharia financing, to 1.08% and Corporate Loans from 4.62%
posted significant growth of 41.36%. Total to 4.53%. However, the NPL for Medium-
Growth of Medium Loans
outstanding loans as of 31 December 2008 Sized Loans experienced a slight increase
15 CAGR: 44.43% reached Rp161.11 trillion, significantly higher from 5.67% to 6.33%. The NPL net ratio also
than Rp113.97 trillion in 2007. Of the total improved from 0.88% at the end of 2007 to
10 outstanding loans in 2008, 26.54% was 0.85% at the end of 2008. The improvement in
disbursed as Micro Loans, 46.61% as the NPL ratio was mainly due to the increase
Rp trillion
5 Small Loans/Retail, 7.73% as Medium-Sized in the amount of current loans by as much as

Business Loans, and 19.12% as Corporate Rp43.42 trillion, compared with the increase
12.45
2.86
Dec-04 4.72
7.42
8.35
Loans. Small/Retail Loans consist of Small of NPL of Rp0.58 trillion in 2008. On the other
0
hand, NPL Coverage Ratio in 2008 increased
Dec-04
Dec-04
Dec-04
Dec-04
Commercial Loans of 27.66% and Consumer

Loans, including salary-based loans, slightly to 177.27% from 176.45% a year ago.
amounting to 18.95%.
Growth of Corporate Loans
Government Recapitalisation Bonds
From the composition of loans disbursed, it As of 31 December 2008, the portfolio of
40 CAGR: 38.13%
is evident that the portion of loans to Micro, Recap Bonds totalled Rp16.35 trillion, down
30
Small and Medium Enterprises (MSME) by 10.26% from Rp18.22 trillion in 2007. The
segment declined slightly from 82.62% in decrease in the amount of bonds was due to
Rp trillion
20
2007 to 80.88% at the end of 2008. the maturity of Rp1.2 trillion of these bonds in
10
12.00
19.81
30.80
9.94
8.46
0
One of the strengths of BRI’s loan portfolio is
Dec-04
Dec-05
Dec-06
Dec-07
Dec-08
41.
2008. The proceeds from the Recap Bonds Funds generated reached Rp201.54 trillion,
were mainly used to finance the Bank’s loans up by 21.70% compared to Rp165.60 trillion Growth of Savings
to productive business sectors, providing in 2007. The growth was mainly due to the 100 CAGR: 18.57%
direct benefits to the people of Indonesia. significant increase in the number of BRI
80
branches in 2008, and an active marketing
Rp trillion
The proportion of the Recap Bonds to total program. Third Party Funds accounted for 60
assets decreased from 8.94% in 2007 to BRI’s largest liability, accounting for 90.08% of 40
6.65% in 2008. Similarly when compared the Bank’s total liabilities as of 31 December
20
44.57
49.37
58.31
72.30
88.08
against total earnings assets, the portion of 2008.
0
these Recap Bonds declined from 10.78% in
2004
2005
2006
2007
2008
2007 to 7.15% in 2008. Demand deposit is a source of low-cost funds
in addition to savings, and at the end of 2008,
Of the total amount of Recap Bonds in 2008, a the total amount of demand deposits reached
total of Rp11.08 trillion, or 67.77%, were fixed- Rp39.92 trillion, up by 7.43% from Rp37.16
rate bonds, while a total of Rp5.27 trillion, or trillion in 2007. While Savings increased by
32.23%, were floating rate bonds. 21.82% from Rp72.30 trillion in 2007 to
Rp88.08 trillion in 2008, the ratio of savings to
Other Earning Assets Third Party Funds increased from 43.66% to Growth of Demand Deposits
The position of other earning assets as 43.70%. This increase in savings position was 50
CAGR: 31.47%
at year-end 2008 amounted to Rp51.32 mainly attributed to the success of the Bank’s
40
trillion, an increase of 39.10% from that of promotions of its savings programs as well the
Rp trillion
2007. This growth was mainly due to BRI’s development of various features of savings 30
increased liquidity which were placed on Bank products that attracted the public to bank with 20
Indonesia’s instruments. Other components BRI. 10

13.36
17.38
27.86
37.16
39.92
of earning assets include Non-Recap Bonds,
0
Bank Indonesia Certificates (SBI), Bank Time Deposits posted a significant increase,
2004
2005
2006
2007
2008
Indonesia Facility (FASBI), placements in other i.e. from Rp56.14 trillion in 2007 to Rp73.54
banks, and marketable securities such as trillion in 2008, or a 30.99% increase. This
stocks, export bills and commercial notes. resulted in the increase of the portion of Time
Deposits to Third Party Funds from 33.90%
Third Party Funds in 2007 to 36.49% in 2008. The growth in
Third Party Funds (TPF) represent funds Time Deposits was due to the aggregate rise
mobilized from the public savings deposits in total bank deposits, the “flight to quality”
in the form of Savings, Demand Deposits tendency, and the rise of the interest rates of Growth of Time Deposits
and Time Deposits (including Certificates Time Deposits.
CAGR: 31.67%
of Deposits). Included in Third Party Funds 80
are sharia compliant savings products, such Subordinated Debts 60

Rp trillion
as Giro Wadiah, Mudharabah Savings and

40
Mudharabah Time Deposits.
20
24.47
30.29
38.29
56.14
73.54
As of 31 December 2008, total Third Party 0

2004
2005
2006
2007
2008
42.
Subordinated debts were issued in order to strengthen The Return on Assets (ROA) before tax in 2008 was
BRI’s capital structure (especially Tier II capital). Total 4.18%, slightly less than ROA of 4.6% in 2007. The
subordinated debts amounted to Rp710 billion as of Return on Equity (ROE), which reflects returns to
31 December 2008, down from Rp2.14 trillion in the shareholders, increased from 31.64% in 2007 to
previous year. This significant decrease in subordinated 34.50% in 2008.
debts was due to BRI’s execution on the option
to redeem the subordinated debts amounting to Capital Expenditure
US$150 million on 30 October 2008. A more detailed In 2008, BRI’s capital expenditure amounted to
explanation about the subordinated debts can be seen Rp633.96 billion, consisting of Rp190.05 billion for
in Note 26 of the Notes to the Company’s Consolidated information technology, and Rp443.92 billion in non-IT
Financial Statements that is presented in this annual purchases. The capital spending in 2008 was higher
report. than that of 2007, which reached Rp390.55 billion,
consisting of Rp40.79 billion for IT spending and
Equity Rp349.77 for non-IT spending.
As of 31 December 2008, BRI’s equity position
amounted to Rp22.36 trillion, an increase of 15.02% Loan Write-offs
from Rp19.44 trillion in 2007. The increase in equity Loan write-offs (principal) by BRI in 2008 amounted to
was derived mainly from the appropriation of the net Rp1,544.23 billion, a decrease of 27.31% compared
profit for 2007 as stipulated in the Bank’s 2008 Annual to Rp2,124.36 billion in 2007. Loans which had been
General Meeting of Shareholders and the current year written-off before the financial year 2008, but recovered
profit of 2008. during the year, amounted to Rp473.99 billion, down
by Rp110.59 billion, or 23.30%, from 2007.
Capital Adequacy
BRI’s Capital Adequacy Ratio (CAR) at the end of Tax Contribution
2008 stood at 13.18%, lower than 15.84% in 2007. Other than the contribution of dividends, BRI pays
The decrease in CAR was due to the growth of risk- taxes to the government. In accordance with
weighted assets (total loans and other earning assets), Government Regulation No. 81/2007 on Income Tax
which rose faster than the growth of profit in order to Rates Reduction for Public Limited Liability Companies,
strengthen the Bank’s capital. BRI obtains tax incentives in the form of a 5% reduction
in corporate income tax, from the highest prevailing
The following table shows the calculation of BRI’s tax rate. However, with BRI’s increasing scale of
capital adequacy ratios at the end of 2008 and 2007. operations, its tax contribution in 2008 still showed a
7.34% increase compared to that of 2007.
(in Rp billion)
Description 2008 2007 Tax Contribution of BRI from 2004-2008
Core Capital (Tier 1) 17,796 15,448

Additional Capital (Tier 2) 1,945 1,819
Placement (553) (209)
Total Available Capital 19,188 17,059
Total Risk Weighted Assets (RWA) 145,581 107,711
Capital Adequacy Ratio (CAR) 13.18% 15.84%
Returns
43.
(in Rp billion) Description 2008 2007
Description 2004 2005 2006 2007 2008 Capital

CAR with Credit Risk 13.67 16.66
I. Head Office CAR with Credit Risk and Market Risk 13.18 15.84
A. Income Tax (PPh) Fixed Assets/Capital 24.13 26.14
1. PPh Article 4 (2) Final 472.25 519.80 945.08 940.11 1,082.53
2. PPh Article 15 Assets Quality
3. PPh Article 21 Classified Earning Assets 2.18 2.22
4. PPh Employees 319.90 417.18 397.62 407.95 539.25 Provisioning for Earning Assets/Earning Assets 3.75 4.05
Article 21 (WAPU) Provisioning Coverage on Earning Assets 150.20 161.20
5. Corporate Tax (PPh Provisioning Coverage on Non-Earning Assets 100.66 100.00
Badan) NPL Gross 2.80 3.44
a. PPh Badan Article25 2,208.61 1,829.25 1,831.88 3,310.97 3,382.85 NPL Net 0.85 0.88
b. PPh Badan
Article 29 Compliance
6. PPh Article 22 Percentage of Violation of Legal Lending Limit
7. PPh Article 22 (WAPU) 5.98 7.71 5.04 4.00 4.35 Related Parties 0.00 0.00
8. PPh Article 23 (WABA) Non Related Parties 0.00 0.00
9. PPh Article 23 (WAPU) 82.64 34.80 35.44 41.04 39.85 Percentage of Excess of Legal Lending Limit
10. PPh Article 25 Related Parties 0.00 0.00
11. PPh Article 25 (WAPU) Non Related Parties 0.00 0.00
B. Value Added Tax (VAT) Minimum Reserves Requirement in Rupiah 5.57 22.09
1. VAT Goods and Services Net Open Position 13.55 7.90
a. Outgoing 2.98 2.46 2.68 1.97 3.85
b. Incoming
2. VAT for Luxury Goods
(PPnBM)
C. Land and Building 4.62 5.24 6.14 6.98 7.38
Minimum Reserves Requirement
Tax (PBB)
In accordance with the regulation of Bank Indonesia,
D. Customs and Excise
E. BPHTB the Minimum Reserves Requirement for BRI is
F. Other Taxes*
SUBTOTAL 3,096.88 2,816.43 3,223.88 4,713.02 5,060.06 5%. At the end of 2008, BRI’s Minimum Reserves
II. Region Requirement was 5.57%. The position at the end of the
A. Motor Vehicle Tax 12.99 13.57 13.55 9.07 8.73
B. Motor Vehicle Transfer previous year was 22.09%.
Tax
C. Fuel Tax
D. Others * Net Open Position
SUBTOTAL 12.99 13.57 13.55 9.07 8.73
TOTAL (I + II) 3,109.87 2,829.99 3,237.43 4,722.08 5,058.80 Based on Bank Indonesia’s regulation, the Net Open
* Detailed is according to the tax paid by the company Position (NOP) of the Bank is capped at a ceiling of
20% of capital. At the end of 2008, BRI’s NOP ratio
Financial Ratios with Respect to Transparency was 13.55%.
The table below shows BRI’s financial ratios which are
related to aspects of transparency in accordance with As of 31 December 2008, BRI had met all statutory
the provisions set forth by Bank Indonesia. mandatory ratios, as determined by the laws and
(in %) regulations of Bank Indonesia. In addition, a significant
number of the key financial ratios as presented in
the table above, indicates BRI’s strong financial
fundamentals, its outstanding performance, and the
financial intermediary role that the Bank carries out in a
professional, transparent and responsible manner.
Report on Corporate Governance
44.
Manuals, the implementation of Good Corporate

Governance is also based on other internal regulations
that are in line with the existing laws and regulations
and the principles of Good Corporate Governance.
To meet the regulations of Bank Indonesia while

simultaneously boosting BRI’s performance that would
result in enhanced investor trust, Bank BRI has an
obligation to disseminate GCG Report, one of the
indicators in the implementation of Good Corporate
Governance.
The following information shows the implementation of

GCG in BRI in 2008.
Corporate Governance Structure
General Meeting of Shareholders

The General Meeting of Shareholders (GMS) has the
For the purpose of enhancing the company’s
authority to appoint and terminate members of the
performance, protecting stakeholders’ interests,
Board of Commissioners and Board of Directors,
and improving compliance with the existing laws,
approve changes to the Articles of Association,
regulations, and ethical values common in banking
endorse the Annual Report of the Bank, appoint the
industry, it is indispensable to implement Good
external independent auditors, and determine the type
Corporate Governance (GCG).
and amount of remuneration for members of the Board
of Commissioners and Board of Directors.
Through its Commissioners, Directors, and employees,
Bank Rakyat Indonesia is committed to implementing
The resolutions of the Annual GMS of BRI on 26 May
GCG principles on the basis of the core values stated
2008 are presented in full in the Shareholder Information
in the BRI Corporate Culture, consisting of integrity,
section of this Annual Report starting from page 7.
professionalism, customer satisfactions, role model,
and human resources appreciation. The core values,
I. Board Of Commissioners:
which are intended to build BRI Codes of Conduct,
have been implemented by BRI’s employees of all
Structure, Composition, and Independency of Members
layers. These values provide clear and measurable
of the Board of Commissioners (BOC)
references for their way of thinking and behaving,
BRI‘s BOC comprises of seven members, four of
and are expected to take BRI to the objectives of
whom are Independent Commissioners. The number
implementing Good Corporate Governance.
and composition of the BOC are in accordance with
the regulation, in that it does not exceed the number
In relation to BRI Commissioners’ and Directors’
of Directors of the Bank (10 Directors), and that
commitments, BRI has designed the Board Manuals
Independent Commissioners account for more than
specifying clearly the roles and responsibilities of
half (50%) of the members of the BOC. All of the
Commissioners and Directors. In addition to the Board
Commissioners are based in Indonesia.
45.
Composition of the Board of Commissioners 2008 Plan and Annual Budget as well as other plans
that are submitted by the Directors, pursuant to the
No Name Position letter of the Bank’s Articles of Association. Other
1. Bunasor Sanim President Commissioner/Independent liabilities include among other things to propose
Commissioner at the General Meeting of Shareholders on the
2. Agus Suprijanto Commissioner
appointment the Public Accounting Firm that will
3. Agus Pakpahan Commissioner
4. Saifullah Yusuf Commissioner audit the financial statements of the Bank.
5. B.S. Kusmuljono Independent Commissioner
6. Baridjussalam Hadi Independent Commissioner
7. Aviliani Independent Commissioner In accordance with its authority, the Board of
Commissioners has provided the followings:
The Board of Commissioners has adequate integrity 1. Approval for the Bank’s Business Plan and Budget
and competencies, pursuant to the requirements of the 2008
fit & proper test of Bank Indonesia. BRI Commissioners 2. Approval for the Bank’s Business Plan 2008-2010.
do not hold concurrent positions as Commissioners, 3. Approval for Organisational Restructuring.
Directors or Executive Officers in any other bank or 4. Approval for the Revision of the General Credit
financial institution, and do not have familial ties with Policy.
other members of the Board of Commissioners and 5. Approval for the Spin-off Execution of the Sharia
Board of Directors. Business Unit and its consolidation into Bank BRI
Syariah that has been decided by the GMS.
Duties and Responsibilities of the Commissioners. 6. Recommendations and Advisories in connection
1. The Board of Commissioners is responsible with the site visits of the Commissioners to several
for overseeing the policies and management in BRI Operating Units.
general, whether of the Bank or of its business that
is under the management of the Board of Directors Committees of the Board of Commissioners
(BOD), and to provide advise to the BOD including
Audit Committee:
oversight on the execution of the Bank’s Business
Plan and Budget, rules under the Articles of
Structure, Membership, Expertise, and
Association, resolution of the GMS, and prevailing Independency of Audit Committee’s Members
laws and regulations, in line with the interest of the Audit Committee consists of one chairperson‑an
Bank as well as its goals and objectives. Independent Commissioner‑and four members. The
2. In undertaking the above duties, the Board of chairman as well as all members of the committee
Commissioners is authorised to among other things has adequate expertise, background knowledge, and
request clarification from the Board of Directors experience. The following is the composition of the
and /or other officials on issues pertaining to the Audit Committee in 2008:
Bank, and to form Committees to support the
effective discharge of the Commissioners’ duties
Name Membership Position
and responsibilities. The Commissioners have
Aviliani Chairperson Independent Commissioner
established three committees:
Bunasor Sanim Member President Commissioner/
a. The Audit Committee; Independent Commissioner
Saifullah Yusuf Member Commissioner
b. The Risk Management Monitoring Committee;
H.C. Royke Singgih Member Non Commissioner
c. The Nomination and Remuneration Committee. Dedi Budiman Hakim Member Non Commissioner
3. The Board of Commissioners is expected to Syahrir Nasution Member Non Commissioner
provide an opinion and approval over the Business

46.
Profiles of Audit Committee Members through Commissioners asked some subordinating

The profiles of Aviliani, Bunasor Sanim, and Saifullah managements to attend the meetings and provide
Yusuf are presented in the brief resume of the necessary relevant information.
Commissioners on pages 114 to 117 of this Annual
Report. The Audit Committee has convened meetings with
the subordinates of Management and external parties
H.C. Royke Singgih – born in Jakarta, 13 March 1960. including with the Public Accounting Firm of Ernst &
Appointed as a member of the Audit Committee Young and the Consulting Firm, Delloite Consultants.
since October 2005. A certified public accountant, The Audit Committee undertakes the active oversight
he previously served with Bank IFI, PT Pan Indonesia duties of the Board of Commissioners through regular
Bank, Jakarta and PT Krakatau Steel. He earned a meetings with the Internal Audit Unit.
degree in Accountancy from University of Gajah Mada,
Yogyakarta (1986) and a Master in Management Frequency of the Audit Committee Meetings
degree in Finance and Banking from University of The Audit Committee convened Meetings for a total
Indonesia, Jakarta (2000), in addition to obtaining of 17 times in 2008, with the following attendance
a Specialty Certification for Strategic Management records:
Studies, Pre Doctoral Program, University of Indonesia,
Name Membership Attendance (%)
Jakarta (2004).
Aviliani Chairperson 100.00
Bunasor Sanim Member 100.00
Dedi Budiman Hakim – Born in Sumedang, 22 October Saifullah Yusuf Member 58.82
1964. Appointed member of the Audit Committee since H.C. Royke Singgih Member 100.00
Dedi Budiman Hakim Member 88.24
2005. Currently serving as a Faculty Member of the Syahrir Nasution Member 88.24
Bogor Agricultural University (IPB) and a Researcher
The agenda of the Audit Committee meetings in 2008
at the Centre for Applied Finance and Economics
were as follows:
(interCAFE) IPB. He is also an active newspaper
columnist and scientific journal writer. He holds a No Date Agenda
degree in Agronomics Science from IPB (1988), a 1. 4 Jan 2008 Kick Off General Audit for 2007.
2. 21-23 Jan 2008 Internal Audit Coordination Forum.
Master of Arts degree in Agriculture Social Economics
3. 12 Feb 2008 Enhacing the Internal Audit Function
from Massey University, Palmerston North, New 4. 25 Feb 2008 Progress of General Audit in 2007.
Zealand (1994), and a Doctorate in Agriculture from 5. 26 Feb 2008 Vision, Mission and Strategy of the SOE Busi-
ness and Institutional Relations Division
Georg-August-Universitaet, Goettingen, Germany. 6. 19 Mar 2008 Discussion on the Preliminary Findings of Perti-
nent Matters of Bank Indonesia.
7. 10-11 Apr 2008 Discussion on the BRI GMS of 2007
Syahrir Nasution – born in Pematang Siantar, 21
8. 22 Apr 2008 Elevation of the Compliance Desk into the
September 1952. Appointed member of the Audit Compliance Division
Committee since 2008. Previously a career banker with 9. 29 Apr 2008 Report of the Audit Findings for Fourth Quarter
of 2007 and quarterly audits for 2008.
BRI (1990-2008) in the fields of Inspection and audit. 10. 12 May 2008 IT personnel in the implementation of BRINets
He holds a degree Economics and Accountancy, from 11. 9 Jul 2008 Issues related to IT
12. 17 Jul 2008 Discussion on the Independent Financial Report,
Institute of Finance Sciences, Jakarta (1981).
Management Letter of 2007, and management
Information System
Duties and Responsibilities of Audit Committee 13. 22 Jul 2008 Report of the Audit Findings for First Quarter of
2008 and Internal Control Sysytem
In 2008, Audit Committee undertook their functions, 14. 23 Jul 2008 Issues, Challenges and Strategies of IT
duties, and responsibilities in accordance with 15. 6 Aug 2008 Review on the progress of BRINets.
16. 9 Sep 2008 Report of the Audit Findings for Second Quarter
the Audit Committee Charter. In conducting its
of 2008
meetings with other Operating Units, this committee 17. 24 Sep 2008 General Audit Plan for 2008
47.
Realization of Audit Committee Work Program i. Undertake research on the transformation

The Audit Committee conducted its working programs of Internal Audit’s functions as a Strategic
in 2008 as follows: Business Partner in the implementation of
Risk‑Based Audit by distributing questionnaires
1. Internal Activities and conducting in‑depth interviews
a. Design Audit Committee’s plans and work
programs as per the Audit Committee Charter. 2. External Activities
b. Convene meetings with Internal Audit (IA) to a. Participate in the seminars related to Audit
discuss internal control system, and the audit Committee’s functions, such as those
findings especially those which are deemed to conducted by The Institute of Internal Auditor
have potential risks that could compromise the (IIA) Indonesia Chapter, and the Indonesian
business continuity of the Bank. Audit Committee Association in order to
c. Convene meetings with the Accounting and boost competencies and capabilities of Audit
Financial Management Division and other Committee
related divisions to discuss the Bank’s financial b. Hold discussions with external auditors, either
performance and other financial information. before or after the investigations regarding
d. In addition to the above divisions, meetings findings in the financial statements of the Bank.
were also held with other divisions, including c. Hold discussions with other parties, especially
Strategic Planning Division, Procurement those related to the effectiveness enhancement
and Fixed Assets Management Division, and of the internal audit function
Credit Administration Division to discuss issues
related to the functions of those respective 2. Nomination and Remuneration Committee
organisational units and BRI performance. (NRC)
e. Convene regular meetings (weekly) with the
Nomination and Remuneration Committee, Structure, Memberships, Expertise, and
Risk Management Monitoring Committee and Independency of NRC’s Members
the Secretary of the Board of Commissioners Nomination and Remuneration Committee
to discuss important issues related to the is chaired by an Independent Commissioner
effectiveness of Commissioners’ functions, comprising 5 members with adequate expertise
roles, and responsibilities. and independency.
f. Evaluate and provide written reports to
the Commissioners on every meeting and The composition of the nomination and
assignment given to Audit Committee. Remuneration Committee as of 31 December 2008
g. Attend meetings concerning the formulation of were as follows:
BRI GCG guidelines, evaluate the performance
of the Internal Audit Unit and communication
Name Membership Position
forum, and visit several Regional Audit Offices,
B.S. Kusmuljono Chairman Independent Commissioner
Regional/Branch Offices in an attempt to obtain Aviliani Member Independent Commissioner
direct information on the problems of the Agus Pakpahan Member Commissioner
M. Jarot Eko Winamo Member Non Commissioner/Executive Officer
respective Operating Units.
Eko Boedi Soelistiyo Member Non Commissioner
h. Present materials in the trainings conducted by Indira A. Suleiman * Member Non Commissioner
the Regional Audit Office.

*) Resigned from NRC membership effective 30 September 2008.
48.
Profiles of The Members of the Nomination and A. The Nominating Function

Remuneration Committee 1. Analyse, compose and give recommendations
concerning the system and procedures of
The profiles of B.S. Kusmuljono and Agus election and/or replacement of members of the
Pakpahan, and of Aviliani, are stated in the Boards of Commissioners and Directors to the
Commissioners’ Curriculum Vitae in pages 114- Board of Commissioners;
117 of this Annual Report. Indira A. Suleiman 2. Recommend candidates for Commissioners
resigned as a member of the Nominations and and/or Directors to the Board of
Remunerations Committee of BRI on 30 September Commissioners;
2008. 3. Monitor the execution and analyse the criteria
and procedures of selection for Officers one
M. Jarot Eko Winarno – born in Sleman, 9 level below that of the Directors;
January 1959. Member of the Nominations and 4. Compose performance evaluation system of the
Remunerations Committee since August 2007. Boards of Commissioners and Directors;
Climbed his career at BRI since 1983 in various 5. Recommend the number of members of the
positions, currently he is the Head of Human Boards of Commissioners and Directors;
Resources Management Division. Obtained his 6. Give opinions or advice to the Board of
Bachelor in the Social Economics of Agriculture, Directors on the transfer and/or appointment
IPB (1982) and his MBA in Marketing from Drexel decisions of non-Bank workers to becoming
University, United States (1992). officers one level below that of Directors;
7. Analyse the data of officers one level below that
Eko Boedi Soelistiyo – born in Brebes, 16 of Directors submitted quarterly by the Board of
May 1968. Member of the Nominations and Directors and on each change occurring;
Remunerations Committee since 2007. Climbed 8. Recommend to the Board of Commissioners
his career at BRI since 1993 in various positions, concerning Independent Parties that will be
currently he is a staff in the HR Welfare Department, members of the Audit Committee or the Risk
Human Resource Management Division Head Management Monitoring Committee.
Office. Obtained his Bachelor in Civil Laws,
Diponegoro University, Semarang (1992) and his B. The Remunerative Function
M.Si in Agribusiness from Gadjah Mada University, 1. Evaluate prevailing remuneration policies for
Yogyakarta (2007). the Board of Commissioners, the Board of
Directors, and the Employees of BRI;
Duties and Responsibilities of NRC 2. Recommend to the Board of Commissioners
On the basis of the Guidelines on the Duties of the followings:
the Commissioners and Committees as well as a. Remunerative policies for the Board of
the Charter of the Nomination and Remuneration Commissioners and the Board of Directors;
Committee of 21 June 2008, the Nomination and b. Overall remunerative policies for the
Remuneration Committee is a committee that Executive Officers and employees of BRI to
has been formed by the Board of Commissioners be submitted to the Board of Directors.
in order to support the effectiveness of 3. Recommend the granting of options to
Commissioners’ duties and responsibilities,
especially those related to nomination and
remuneration policies.
49.
the Board of Commissioners, the Board of Commissioners, the Board of Directors, and the
Directors, and the employees of BRI, among Secretary of the Board of Commissioners after prior
others the stock option; consultation with the holder of the Golden Series A
4. Recommend the pension plan for BRI Share.
employees;
5. Recommend the system of compensation Frequency of NRC Meetings
and other benefits in the matter of employee NRC meetings are conducted at least once a month
reductions in BRI. and at any time necessary. The decisions in the
committee meeting are made on consensus basis. If
C. Miscellaneous consensus cannot be reached, decisions are made on
1. Evaluate and provide recommendations to majority voting basis.
the Board of Commissioners on employment
policies and other functions in HR management Meeting attendance records of members of the NRC in
that may have a significant impact on financial 2008:
and/or legal risks to BRI;
Name Membership Attendance (%)
2. Provide recommendations to resolve internal
B.S. Kusmuljono Chairman 100,00
and/or external audit findings and the results of
Aviliani Member 100,00
Bank Indonesia monitoring activities, specifically Agus Pakpahan Member 88,89
for policies in HR management; M. Jarot Eko Winamo Member 100,00

Eko Boedi Soelistiyo Member 100,00
3. Execute the administer documents related Indira A. Suleiman * Member 100,00
to the duties and responsibilities of the
*) Resigned from NRC membership effective 30 September 2008.
Committee.
Procedures for Setting Remunerations of Directors, The Agenda of the NRC meetings in 2008 were as
Commissioners, and Secretary to Commissioners follows:
NRC composes the salary/honorarium formulas for the
No Date Agenda
Board of Directors, the Board of Commissioners, and
1. 18 Jan 2008 Discussion on the activities and the work
the Secretary of the Board of Commissioners based on
agenda of NRC for 2008.
the Circular of the Secretary of the Ministry of State- 2. 19 Feb 2008 Discussion on the progress of the spin-off
owned Companies No. S-326/S.MBU/2002 dated project and HR treatment of BRI Sharia unit.
3. 15 Apr 2008 Discussion on preparation of BRI GMS for
3 May 2002. This salary/honorarium formula is then
financial year 2007.
submitted to the Board of Commissioners for approval 4. 6 May 2008 Discussion on the follow-up of the letter from
BRI’s Labor Union pertaining to wage increase.
of the Board of Commissioners and the Board of
5. 24 Jun 2008 Discussion on the BOD proposal on facilities for
Directors, then submitted for consultation to the holder Directors, Commissioners and Secretary to the
of the Golden A Share to be decided later in the AGMS. Commissioners.
6. 4 Jul 2008 Discussion on the facilities provided to the
Directors, Commissioners and Secretary to the
Procedures for Determining Other Facilities/Benefits for Commissioners
7. 14 Aug 2008 Discussion on the remuneration for Directors
the Board of Commissioners, the Board of Directors,
and Commissioners.
and the Secretary of the Board of Commissioners 8. 2 Sep 2008 Discussion on the resignation of Indira A.
Based on the decision of the AGMS dated 22 May Suleiman from the Committee
9. 7 Nov 2008 Discussion on the results of interviews of
2007, the AGMS grants authority to the Board
candidates to the Board of Directors and Board
of Commissioners to determine the granting of of Commissioners of Bank Syariah BRI.
other facilities and/or benefits to the Board of

50.
Action Plans and Realization of the Nominations and a. Benefit policy for the Officers and Committees
Remunerations Committee of BRI;
NRC has executed the following action plans b. HR policy concerning Personnel Grade,
throughout 2008: Dismissal Policy, Labour Recruitment and
1. Improve Guidelines and Work Procedures of NRC Outsourcing;
(NRC Charter) in the form of the Guidelines on c. HR policy for BRI Sharia Business Unit;
the Duties of the Board of Commissioners and its 10. Provide inputs and recommendations related
Committees pursuant to Bank Indonesia Regulation to the improvement of the organization of the
No. 8/4/2006 on the Implementation of Good Commissioners’ Institutions of BRI, including the:
Corporate Governance for Commercial Banks; a. Commissioner Manuals (Manuals and
2. Evaluate the facilities and benefits for the Boards Procedures of Commissioners’ Duties) that
of Directors and Commissioners, and give inputs have been standardized in the working manuals
concerning the remunerative policies for the Board of the Board of Commissioners;
of Directors and the Board of Commissioners b. Duties and responsibilities of the Secretary of
in accordance with current market practice and the Board of Commissioners.
conditions; 11. Prepare and plan the annual budget of the Board
3. Recommend candidates for the membership to the of Commissioners and the annual budget for
Board of Commissioners or the Board of Directors the Board of Commissioners’ Institutions and
to the Commissioners for statement in the Annual Committees.
General Meeting of Shareholders of BRI; 12. Attend the Board of Directors and the Board of
4. Provide analysis and recommendations for post- Commissioners Meetings that discuss the monthly
official pensions for the Board of Directors, Board performance progress of BRI.
of Commissioners and Secretary of the Board of 13. Undertake other duties as requested by the Board
Commissioners; of Commissioners.
5. Provide recommendations to the Board of
Commissioners and interviewing candidates for 3. Risk Management Monitoring Committee (RMMC)
membership in the Audit Committee of BRI;
6. Evaluate personnel cost through both internal Structure, Memberships, Expertise, and Independency
analysis and comparison with other major banks; of RMMC Members
7. In cooperation with the Audit Committee, the
Risk Management Monitoring Committee and the RMMC is chaired by an Independent Commissioner
Secretary of the Board of Commissioners assist the with a number of RMMC members who have financial
Board of Commissioners in reviewing the evaluation and risk management expertise so as to properly
and approval of BRI’s Budget for the year 2008; support their duties and responsibilities.
8. In cooperation with the Audit Committee, the
Risk Management Monitoring Committee and the The composition of the Risk Management Monitoring
Secretary of the Board of Commissioners assist Committee as of 31 December 2008 was as follows:
the Board of Commissioners in reviewing the
evaluations and approvals of the Business Plan of Name Membership Position
BRI for the years 2008-2010; Baridjussalam Hadi Chairman Independent Commissioner
9. Provide opinion and evaluation concerning the Agus Suprijanto Member Commissioner
Ridwan Darmawan Ayub Member Non Commissioner
policies of HR management, among others:
Pamuji Gesang Raharjo Member Non Commissioner
51.
Profiles of the Members of the RMMC parties that must be approved by the Board of
Commissioners.
The profiles of Baridjussalam Hadi and Agus Suprijanto 5. Provide opinions and/or recommendations on the
are presented in the Commissioners’ Curriculum Vitae granting of credit above a certain amount which
on pages 114-117 of this Annual Report. needs a consult with the Board of Commissioners.
6. Provide opinions and recommendations to
Ridwan Darmawan Ayub – born in Bogor, 7 July the Board of Commissioners in approving the
1962. Member of the Risk Management Monitoring annual budget, business plan and the long term
Committee since 2006. Member of the Risk development plan of the Bank.
Management Task Force of Bank Indonesia for 7. Evaluate and analyse the reports of the realization
the implementation of Basel II. Previously the Vice of the Bank’s annual budget, business plan and
Chairman of the Operational Risk Division, Bank long-term development plan.
International Indonesia (2002-2005). Bachelor’s
Degree in Social and Political Sciences from the Frequency of RMMC Meetings
Parahyangan Catholic University, Bandung (1985) and In view of the wide range and number of the issues
a Master’s Management degree in Finance from Mercu related to risk management in BRI that must be
Buana University, Jakarta (2008). evaluated, it is agreed that some of the meeting agenda
of the committee - such as the discussion of legal
Pamuji Gesang Raharjo – born in Jakarta, 10 April risks, operational risks etc. - are included in the weekly
1968. Member of the Risk Management Monitoring Commissioners’ Meeting.
Committee since 2007. Previously had careers at BNI,
Bank Danahutama, and Bank International Indonesia Meeting attendance records of members of the RMMC
in various positions. Holds the Bachelor of Economy in 2008 were as follows:
Degree from the Prof. Dr. Moestopo University, Jakarta
(1996) and an MM in Risk Management from the Name Membership Attendance (%)
University of Indonesia, Jakarta (2003). Baridjussalam Hadi Chairman 100
Agus Suprijanto Member 100
Ridwan Darmawan Ayub Member 100
Duties and Responsibilities of RMMC Pamuji Gesang Raharjo Member 100
1. Regularly evaluate and analyse the adequacy of risk
management policies and give opinions in the form
The agenda of the RMMC meetings in 2008 were as
of suggestions and/or recommendations to the
follows:
Board of Commissioners concerning the necessary
improvement and perfection of risk management.
No Date Agenda
2. Review and analyse quarterly risk profiles of
1. 23 Jul 2008 Issues, challenges and strategies in information
the Bank and provide opinions in the form
technology and system.
of suggestions and/or recommendations for 2. 5 Aug 2008 Issues and management of legal risk (collateral
necessary improvement and perfection of risk pledging and assets write-off, legal assistance
to management and employees of BRI, handling
management. of law suits from third parties).
3. Monitor the adequacy of the process of 3. 9 Sep 2008 Working relations between Internal Audit and
Risk Management Division of BRI.
identification, measurement, monitoring, controlling
4. 23 Sep 2008 Progress of the credit risk management
and management system. implementation by the Basel II Project Office
4. Evaluate and analyse the suggestion packages of Team.
the Board of Directors for fund provision for related

52.
Realisation of the RMMC Work Program All of BRI Directors have domicile in Indonesia.
RMMC has executed the following action plans They have adequate competency and integrity
throughout 2008: in accordance with the fit & proper test
1. Compose the 2008 action plan. requirements.
2. Evaluate the operational risk management tools at
BRI (Incident Management, Major Risk Indicators, BRI Directors do not have double positions as
Risk and Control Self-Assessments). the Commissioners, Directors, or Executive
3. Review the results of the Risk Management Officers in other banks/institutions, and do not
Committee of BRI meetings. have familial relationships with other members
4. Evaluate the Performance Report of the Credit of Board of Commissioners or Board of
Portfolio of BRI. Directors.
5. Evaluate the internal and external compliances of
BRI. The composition of the Board of Directors of BRI are as
6. Evaluate the General Credit Policies of BRI. follows:
7. Review the quarterly report on the risk profile of
BRI. No. Name Position
8. Give recommendations (suggestions and opinions) 1. Sofyan Basir President Director
on the Credits proposal consulted with the Board of 2. Sarwono Sudarto Director of Operations
3. Abdul Salam Director of Finance
Commissioners.
4. Sulaiman Arif Arianto Director of MSME Business
9. Review and evaluate the budget of BRI for 2008, 5. Sudaryanto Sudargo Director of Commercial Business
6. A. Toni Soetirto Director of Consumer Business
including suggestions for its amendments.
7. Lenny Sugihat Director of Credit Risk Control
10. Accompany the Commissioners in work visits to 8. Bambang Soepeno Director of Compliance/Risk Management
several Regional Offices and Branch Offices of BRI. 9. Asmawi Syam Director of Institutional Business
10. Suprajarto Director of Network and Services
11. Attend the Board of Commissioners’ and Board
of Directors’ Meetings that discuss the monthly
performance progress of BRI. 2. Duties and Responsibilities of the Directors
12. Attend the Commissioners’ Meetings and In undertaking their main duties and
Managing Directors in discussing the issues related responsibilities in managing the company,
to duties of the Managing Directors in accordance with the decision of General
13. Undertake other duties as requested by the Board Meeting of Shareholders, the fields of each
of Commissioners. Director was determined as indicated the table
above; and each Director is responsible for his/
II. Board of Directors her field to the President Director.
A. Directors’ Duties and Responsibilities General Responsibilities

1. Number, Composition, Criteria, and 1. Being responsible for the coordination, monitoring
Independency The Board of Directors: and leading of the Bank’s management as well
The Board of Directors consists of 10 people, as that of individual duties and responsibilities in
every one of whom is experienced in banking accordance with the Bank’s interests;
operations as Bank Executives for more than 5 2. Maintaining and managing the assets of the Bank.
(five) years.
53.
Compliance to Rules and Regulations will not be divided into amounts smaller than the
1. Loyal and responsible in undertaking duties in regulated credit granted that must be consulted
accordance with prevailing rules and regulations; about;
2. Each member of the Board of Directors is 9. Setting the vision, mission, values and corporate
individually responsible for his/her own errors or culture of the Bank;
neglect in the undertake of his/her duties; 10. Keeping the Bank’s activities in line with the
3. Executing the processes of compliance and business activities and the objectives of the Bank;
ensuring that all obligations have been satisfied in 11. Making work plans, annual budgets, and other
accordance with the Articles of Association and the plans related to the business of the Bank;
AGMS based on prevailing rules and regulations. 12. Approving the remunerations for senior
management and key personnel, and maintaining
Relations with the Commissioners and Shareholders the consistency of these remunerations with the
1. Ensuring the implementation of the decisions made culture, objectives, strategies, and other duties
by the AGMS, the Board of Commissioners and the and responsibilities stated in prevailing Regulations
Articles of Association; and the Articles of Association of the Bank and the
2. Providing information to the Commissioners and environs of the Bank;
the Shareholders; arranging communication with 13. Balancing the interest of all of the stakeholders of
Shareholders, Commissioners, and other interested the Bank.
parties, including the duties and responsibilities of
the Board of Directors and each member of the Financial Accounting and Annual Reports
Board of Directors; 1. Maintaining the bookkeeping and administration of
3. Being responsible to Shareholders and responding the Bank in accordance with accepted practices of
to the suggestions of the Commissioners and a company;
Shareholders; 2. Composing an accounting system that matches
4. Preparing regular reports on time in accordance the Accounting Standards of Indonesia and the
with prevailing rules and regulations and other principles of internal control, especially in terms of
reports in accordance with the request of recording, archiving, monitoring and management;
Shareholders; 3. Preparing Annual Reports, including Financial
5. The Board of Directors is obligated to hold AGMS Reports, and to account for those reports in the
based on the written request of one or more AGMS.
Shareholders who have valid voting rights and who
represent at the very least 1/10 (one tenth) of the Risk Management and Control
number of shares issued; 1. Maintaining the following processes of risk
6. Composing and maintaining a List of Shareholders management:
and a Special List containing the possession of a) Ensuring that the Bank has the proper and
shares in the hands of the members of the Boards systematic processes in identifying, measuring,
of Commissioners and Directors and their families and controlling the risks;
both in the Bank and in other companies; b) Ensuring that proper systems and processes
7. Consulting the granting of credit above a certain have been executed in monitoring and reporting
amount with reference to prevailing regulations; the main risks faced by the Bank;
8. In relation with the above paragraph 7, the Board
of Directors must ensure that the credit granted
54.
c) Monitoring and evaluating the existence of 4. The delegation of the duties and authorities of each
good management processes in assessing the member of the Board of Directors is determined
adequacy of the risk management system and by the AGMS. If the AGMS does not determine
the internal control, the financial reporting and this delegation of duties and responsibilities, then
the compliance; the delegation of duties and responsibilities among
d) Ensuring the existence of an effective control the Board of Directors is determined based on the
system in order to ensure: decision of the Board of Directors.
i. the reliability and integrity of the information;
ii. the compliance with the prevailing policies, Compliance Director
plans, procedures, rules and regulations; The main responsibilities of the Compliance Director
iii. the maintenance of the assets of the Bank; are:
iv. the economic and efficient use of resources; 1. Determining the necessary steps to ensure
v. the achievement of the determined that the Bank complies with the Regulations of
operational objectives and targets. Bank Indonesia and with the prevailing rules and
e) Executing annual evaluations for making public regulations;
statements concerning internal control at the 2. Monitoring and maintaining the business activities
Bank, to ensure that all significant aspects of of the Bank from deviating from prevailing
internal control have been considered for the regulations;
evaluated year up to the date of the approval 3. Monitoring and maintaining the compliance of the
of the annual report. Bank with all agreements and commitments made
2. Creating clear organisational, duty, and by the Bank with Bank Indonesia;
responsibility structures, including the appointment 4. Ensuring that the Board of Directors does not
of the management; make decisions that violate the regulations of Bank
3. Effectively making use of the audit results of both Indonesia and other prevailing rules and regulations;
the Internal and External Auditors. 5. Submitting reports as regulated in Bank Indonesia
Regulation No. 1/6/PBI/1999 dated 20 September
Specific Responsibilities 1999 concerning the Appointment of the
Compliance Director and the Implementation of the
President Director: Standards for the Execution of the Internal Audit
Representing the bank in coordinating and monitoring, Function of Commercial Banks.
and acting as the Head of the Board of Directors.
Other Duties
Members of the Board of Directors: Other duties and responsibilities are as stated in
1. Developing the action plans for each field of prevailing rules and regulations and in the Articles of
responsibility and each Operating Unit lead by each Association of the Bank.
Director;
2. Coordinating and monitoring each allocation of Directors’ Meeting
responsibility and Operating Unit; The Directors regularly hold internal meetings to
3. Taking all necessary actions to ensure that the discuss issues that require Directors’ consideration and
decisions taken by the Board of Directors are in line to discuss other strategic plans.
with prevailing rules and regulations;
55.
The attendance records of the Directors at the Board of Secretary I : Head of Risk Management Division
Directors meetings in 2008, were as follows: Secretary II : Head of Credit Administration
Division
Number of Percentage
Name Attendance
Meetings (%)
Sofyan Basir 21 17 80.95 Permanent Members with voting rights are

Sarwono Sudarto 21 17 80.95 RMC members who have the voting rights
Sulaiman A. Arianto 21 19 90.48
when the decision of an issue is not unanimous,
A. Toni Soetirto 21 17 80.95
Abdul Salam 21 17 80.95 which would render a vote necessary.
Lenny Sugihat 21 16 76.19
Sudaryanto Sudargo 21 19 90.48
Bambang Soepeno 21 19 90.48 Permanent Members with voting rights are all
Asmawi Syam 21 18 85.71 members of the Board of Directors.
Suprajarto 21 15 71.43
Permanent Members without voting rights are

The attendance records of the Directors at the Board officers of one level below the appointed Board
of Directors meetings with the Commissioners in 2008, of Directors, comprising of:
were as follows: (i) All Heads of Divisions,
(ii) Regional Managers of Jakarta I and II
Number of Percentage Regional Offices,
Name Attendance
Meetings (%)
Sofyan Basir 6 6 100.00

(iii) Manager of Special Branch Office.
Sarwono Sudarto 6 6 100.00
Sulaiman A. Arianto 6 6 100.00
Duties and Responsibilities of RMC
A. Toni Soetirto 6 3 50.00
Abdul Salam 6 5 83.33 a. Provide recommendations to the President
Lenny Sugihat 6 4 66.67 Director in formulating the General
Sudaryanto Sudargo 6 6 100.00
Bambang Soepeno 6 5 83.33
Policies of Risk Management, as well as
Asmawi Syam 6 5 83.33 amendments if necessary; and suggesting
Suprajarto 6 4 66.67
these to the Boards of Commissioners and
Directors for approval.
B. Completeness and Execution of Committees’ b. Provide recommendations to the President
Duties Director in formulating Risk Management
Strategies, including the setting of limits
Committees formed in order to support the which overrides the authority of the Head of
effectiveness of the execution of the Directors’ the Operating Units, and the formulation of
duties and responsibilities are: contingency plans for abnormal conditions
(worst case).
1. The Risk Management Committee (RMC) c. Evaluate overall risk composition in the
portfolio of the bank.
Structure, Memberships, Expertise, and d. Determine (justify) issues related to business
Independency of RMC Members decisions which deviate from normal
Chairman : President Director (CEO) procedures (irregularities).
Chairman I : Director of Compliance e. Evaluate proposals related to new activities/
Chairman II : Director of Credit Risk Control products and judging the ability of BRI to
56.
execute these new activities/products from RMC’s Action Plans and Realization
the risk aspect, and evaluating proposals The RMC Action Plan for 2008 was as the
for changes in the system and work above topics and agenda, and the realization of
procedures. these plans are as stated In the Follow Through
f. Monitor the adequacy of BRI capital Report of RMC.
against described risks in accordance with
prevailing regulations. 2. Assets and Liabilities Committee (ALCO)
g. Evaluate the effectiveness of the applied
risk management system. Structure, Membership, Expertise, and
h. Grant authority to the Sub-committees of Independency of Assets and Liabilities
RMC (Credit Risk Management Committee, Committee Members
Operational Risk Management Committee
and Market Risk Management Committee) The organization structure of the Assets and
to discuss specific issues that need Liabilities Committee is as follows:
immediate handling and do not require the Chairman (as well as Member): President
involvement of all members of RMC. Director
Ad interim Chairman I (as well as Member):
Frequency of RMC Meetings Director of Finance
RMC conducts meetings regularly, at least 1 Ad interim Chairman II (as well as Member):
(once) in 3 (three) months. Besides this regular Director of Consumer Business
meeting, RMC may conduct unscheduled Secretary (as well as Member): Head of
meetings to discuss urgent matters. Treasury Division
Schedule and agenda of RMC meetings in 2008: Members:

1. Directors
No Date Agenda 2. All Heads of Business Divisions
1. 15 Feb 2008 a. Follow-up Report on RMC IV of 2007 3. Head of Funds Services Division
b. Report on Risk and Capital 4. Head of Credit Card Division
c. Report on Risk Management Implementation
5. Head of Consumer Loans Division
d. Report on Test Planning Switch Over 5 and
Evaluation on Testing of Alternate Site for 6. Head of Institutional Relations Division
Clearing System
7. Head of Financial and Management
e. Profile of BRI Credit Card
f. Kick Off Meeting of Micro KUR Accounting Division
2. 4 Jun 2008 a. Follow-up Report on RMC I of 2008 8. Head of Credit Risk Analysis Division
b. Report on Risk and Capitalisation 9. Head of Loans Restructuring and Recovery
c. Report on Risk Management Implementation
Division
3. 22 Sep 2008 a. Effects on implementation of PSAK 50 and 55
b. Follow-up Report on RMC II of 2008 10. Head of Credit Administration Division
c. Report on Risk and Capitalisation 11. Head of Risk Management Division
d. Report on Risk Management Implementation
e. Condition of floor load capacity of BRI Data
12. Head of Strategic Planning Division
Centre 13. Regional Managers
4. 19 Dec 2008 a. Effects of the global crisis and anticipative
measures by BRI
b. Follow-up Report on RMC III of 2008
c. Report on Risk and Capital
d. Report on Risk Management Implementation
57.
Roles and Responsibilities of the Assets and

Credit Comitee Members Chairperson
Liabilities Committee
BRI Credit Committee Director of Commercial Business President
This committee is in charge of determining (for loan approval) Director of Institutional Business Director
Director of MSME Business
the integrated management policies of BRI’s Director of Consumer Business
Director of Credit Risk Control
assets and liabilities, and ensuring that the
BRI Credit Committee Director of Finance President
management of assets and liabilities are (for money market Director of Commercial Business Director
line and treasury Director of Institutional Business
executed in accordance with the policies set. In product approval) Director of MSME Business
Director of Consumer Business
a broader sense, ALCO is also responsible for Director of Credit Risk Control
managing the Bank’s liquidity, setting interest

rates, determining the policies for mismatch Apart from the Credit Committee at the Head
and net open position, and managing and Office, BRI also has Credit Committees at the
determining the financial and capital balance Regional Office level. For credit decisions, BRI
structures. applies the principle of prudence by ensuring
that each credit decision satisfies the Four Eyes
Frequency of Committee Meeting Principle, which involve the Credit Officer and
ALCO holds a meeting periodically, at the Credit Risk Control Officer.
least once a month in order to discuss the
management of assets and liabilities of BRI For decisions in credit restructuring - apart from
related to the Directors’ policies and strategies. the Four Eyes Principle in the application of the
principle of prudence - decision-making must
Realization of the Assets and Liabilities apply the principle of independence between
Committee’s Action Plans. the initial decision maker and the restructuring
Throughout 2008, ALCO has held 13 meetings. decision maker, as well as keeping in mind the
The issues discussed in the ALCO meetings existence of a regulation that states that the
were among others the conditions of the money decision must be taken by an officer or credit
market and capital market, the bank interest committee of one level higher.
rates, and the balance of the asset and liability
positions. Duties and Responsibilities of the Credit
Committee
3. The Credit Committee The duty of the Credit Committee is to approve
Structure, Membership, Expertise, and or reject credits, including the loan addition,
Independency of Credit Committee Members extension and additional terms of credit in
(1) Based on the memberships and inherent accordance with the limits of authority set by
authority, the Head Office Level Credit the Board of Directors; and coordinating with
Committee is divided into: ALCO in funding for certain amounts of credit
a. BRI Credit Committee set by ALCO.
b. Credit Committee at Directors Level
c. Credit Committee at Divisional Head Meetings of the Credit Committee are convened
Level when new credit decisions or credit extensions
d. Credit Committee at Divisional Deputy are needed. Specific to decisions of the Credit
Head Level Committee of BRI and the Credit Committee
(2) Structure of BRI Credit Committee of the Board of Directors, these are executed
58.
based on the majority principle, while the The Roles and Responsibilities of Credit Policy
decisions of other Credit Committees are taken Committee are as follows:
unanimously, or the decision is taken when all 1. Provide inputs to the Board of Directors in
members of the Credit Committee agree to it. composing the General Credit Policies of
BRI;
Apart from that, a credit with a minimum total 2. Monitor the Credit Policy of BRI in that it
exposure of Rp300 billion, both for individual is applied and implemented consequently
debtors and business groups, must be and consistently;
consulted with the Board of Commissioners. 3. Monitor and evaluate:
Specific for agribusiness credits and credits to a. The overall progress and quality of the
State-owned Companies, a consultation with credit portfolio;
the Board of Commissioners is required when b. The correctness of the exercise of the
the total exposure of the credit is at least Rp600 credit decision authority;
billion and Rp500 billion respectively. c. The correctness in the granting,
progress and quality processes of
4. Credit Policy Committee credits granted to parties related to the
Structure, Membership, Expertise, and bank and to certain large debtors;
Independency of the Credit Policy Committee d. The correctness of the implementation
Members of Legal Lending Limit regulations;
Chairman: President Director e. The compliance with rules and
Members: regulations and other stipulations in
1. Director of Credit Risk Control granting credits;
2. Director of MSME Business f. The settlement of problem loans in
3. Director of Commercial Business accordance with the stipulations of the
4. Director of Finance General Credit Policy of BRI;
5. Head of Credit Administration Division g. The adequacy of the amount of
6. Head of Internal Audit reserves for loan loss provision;
7. Head of Credit Risk Analysis Division h. Certain large debtors and credits listed
8. Head of Loans Restructuring and Recovery in the Special Mention Loans.
Division 4. Execute regular reviews to judge the
9. Head of Micro Business Division effectiveness of the Internal Credit Control
10. Head of Retail Credit Division System once every 12 (twelve) months.
11. Head of Consumer Credit Division 5. Monitor and provide suggestions for the
12. Head of Program Business Division planning and implementation of credit
13. Head of Agribusiness Division trainings.
14. Head of General Business Division 6. Submit written reports regularly and
15. Head of Treasury Division provide suggestions for improvements to
16. Head of International Business Division the Board of Directors.
17. Head of Strategic Planning Division 7. Analyse and evaluate the portfolio to
18. Head of Legal Division support the achievement of Annual
Budget.
59.
5. Information Technology Steering Committee - Head of Micro Business Division

In line with the regulations outlined by Bank - Head of Retail Loans Division
Indonesia through the Regulation of Bank - Head of Agribusiness Division
Indonesia No. 9/15/PBI/2007 dated 30 - Head of General Business Division
November 2007 and the Circular of Bank - Head of Program Business Division
Indonesia No. 9/30/DPNP dated December - Head of Treasury Division
12th, 2007, both concerning the Application - Head of International Division
of Risk Management in the use of Information - Head of Internal Audit
Technology by Commercial Banks, BRI has - Head of Credit Card Division
formed two Information Technology Steering
Committees called the Information Technology The Technical Information Technology and
Steering Committee of BRI. The internal System Steering Committee comprises of:
regulations of BRI that form the basis of 1. Chairman as well as member: Director of
formation of these two committees are: Operations
1. Decree of the Board of Directors of BRI 2. Vice Chairman as well as member: Head
NOKEP: S.10-DIR/TSI/02/2003 concerning of Technology and Information System
the Steering Committee of the Policies and Division
Management of Information Technology 3. Secretary: Group Head of ITS Planning and
and System (ITS) of Bank Rakyat Strategies
Indonesia; and 4. Members:
2. Decree of the Board of Directors of BRI - Head of Strategic Planning Division
NOKEP: S.11-DIR/TSI/02/2003 concerning - Head of Consumer Loans Division
the Technical Steering Committee of - Head of Micro Business Division
Information Technology and System of (ITS) - Head of Retail Loans Division
of Bank Rakyat Indonesia. - Head of Agribusiness Division
- Head of General Business Division
Structures, Membership, Expertise and - Head of Program Business Division
Independence of the Members of the - Head of Logistics and Fixed Assets
Information Technology and System Steering Management
Committee - Head of International Business
- Head of Financial and Management
Steering Committee Accounting Division
The Policies and Management of Information - Head of Internal Audit
System and Technology comprise of: - Deputy Heads of Technology and
1. Chairman as well as member: President Information System Division
Director - Senior System Analysts and Senior
2. Vice Chairman as well as member: Director Business Analysts
of Operations - Department Head of Budget Planning
3. Secretary: Head of Technology and and Management Information
Information System Division System for Accounting and Financial
4. Members: Management
- Head of Strategic Planning Division
- Head of Funds and Services Division
60.
2. Set priorities for information technology and

system in accordance with the business
strategic plans that will be executed by BRI
management in both medium- and long-
term.
3. Form and determine the Information
Technology and System Technical
Steering Committee that has the main
duty of steering the development and
implementation of BRI’s information
technology and system project for the short
term (annual).
4. Monitor the implementation of the
development of information technology
and system, with the intent that the
development will always stay in line with
the set Information Technology and System
Development Planning and Strategies
As we can see from the above memberships Guidelines of BRI.
and structures, both committees have 5. Redefine the ITS guideline, plan and
representatives from the Business Divisions, strategy for the development for medium
users of information technology with skills to long term as a result of changes in the
and experience in their respective fields of business policies and strategies of BRI.
professions. This condition will certainly 6. Decide on the ITS development strategies
support the objectivity and independence of that are not in line with the previously
the two steering committees, so that they can set strategies due to extraordinary
execute their duties effectively and efficiently. circumstances, as long as it is still in
the general scope of the Information
Duties and Responsibilities of Committees Technology and System Development
The duties, responsibilities and authorities of Planning and Strategies Guidelines of BRI.
the Policies and Management of the Information
Technology and System Steering Committee of The duties, responsibilities, and authorities
BRI are as follows: of the Information Technology and System
1. Determine the direction, policies, and Technical Steering Committee of BRI are as
targets for the development of the follows:
Information Technology and System of 1. Determine the priorities in developing and
BRI for both medium term (three years) implementing the information technology
and long term (five year) periods stated and system of BRI for the short term
in the Planning and Strategies for the (annual), with references to Information
Development of Information Technology Technology and System Development
and System (ITS) Guidelines of BRI. Planning and Strategies Guidelines of BRI.
61.
2. Determine the Work Plan and the ITS Frequency of Committee Meeting throughout 2008
Investment and Exploitation Work Plan The Information Technology and System Steering
Budget for the development, operation, Committee of BRI has held three meetings. The dates
and maintenance of ITS in the short term for these meetings are as follows:
(annual).
3. Determine office management programs No Date Topic/Meeting Agenda
for ITS projects that will be developed and 1. 14 Feb 2008 • Organisation and realisation of budget for IT
system in 2007
implemented, which would include: • Progress of IT system development
• Operations of Data Centre and Disaster
a. The scope of the project; Recovery Centre
• Issues: Capacity Planning and Switch-Over
b. The methodology of the project; Simulation of DC-DRC
2. 29 Aug 2008 • Organisation and realisation of budget for IT

c. The organization of the project; system in 2008
• Progress of IT system development
d. The team(s) for the project; • Operations of Data Centre and Disaster
Recovery Centre
e. The budget of the project; • Issues on Infrastructure Readiness for Opening
of New Operating Units, Status on Trade
f. The time frame of the project; and Finance System, Status on Core Banking
Sharia, HR Deficiency in the IT Division,
g. The quality assurance of the project. Software Licences, Changes in the Priority for
Application Development
4. Monitor and evaluate the execution of the
3. 18 Dec 2008 • Brief on the Offline Incident of 2-5 Dec 2008
development project to ascertain that it is • Follow-up on the Finding Result #3 of 2008 on
18 Dec 2008
still in-line with the previously set scope, • Organisation and realisation of budget for IT
system in 2008
time frame, budget, and quality. • Capacity Planning
• Readiness of Disaster Recovery Centre
5. Redefine the ITS Work Plan and • Value Delivery and Development of IT
• Issues with respect to the Construction of Data
Budget Work Plan due to extraordinary Centre and IT Building, Maintenance of Gen-
set and UPS, IT Plan 2008 and 2009, Follow-
circumstances with reference to the up Action on Bank Indonesia Audit Findings,
Status on the Recruitment of IT Personnel
previously set Information Technology • Demonstration of Portal Data Warehouse
and System Development Planning and

Strategies Guidelines of BRI. Action Plans of the Information Technology and
6. Submit ITS development projects that are System Steering Committee and Realization
not wholly in line with the set Information The action plan of the Information Technology
Technology and System Development and System Committee is to discharge its
Planning and Strategies Guidelines of duties and authorities in accordance with the
BRI for decisions to the ITS Policy and materials in the Committee’s Meetings’ agenda.
Management Steering Committee of BRI.
7. Submit reports to the Information 6. The Human Resources Policy Committee
Technology and System Policy and This committee was formed in 2008 with the
Management Steering Committee regularly goal to improve the effectiveness, efficiency,
on the realization of the ITS development objectivity and transparency in decision making
programs managed by the Information concerning human resources; and to reassure
Technology and System Division. the stakeholders that the determination of HR
policies have been executed in line with the
principles of Good Corporate Governance.
62.
The membership of the Human Resource Policy d. Dissemination of external regulations to

Committee is as follows: related Operating Units for guidelines and
1. Chairman: President Director references in decision or policy making.
2. Members: all members of the Board of
Directors Compliance with prevailing regulations in the
3. Secretary: Head of Human Resources framework of prudential banking is assured
Management Division by taking stock and reviewing of all prevailing
4. Vice Secretary: Deputy Head of Human regulations.
Resources Management Division
BRI compliance policies as stipulated by the
The Authority of the Human Resources Board of Directors are as follows:
Management - The policy for reviewing BRI’s existing rules
The authorities of the Human Resource Policies and regulations and making adjustments as
Committee are as follows: needed with changes in the prevailing rules
1. Human Resources (HR) Policy, including and regulations.
among others HR planning, recruitment and - Policy on examining prudential principles
selection, career development, performance regarding Directors’ policy and or decision
management, prosperity, industrial, undertaken by BRI Compliance Director.
assessment, and HR management - Policy on meeting BRI obligation pertaining
information system. to compliance with contracts and
2. HR operations includes transfers commitment initiated by BRI Directors
(promotions, rotations, demotions) of with Bank Indonesia and other authorized
Echelons 1 and 2 officers, performance institutions.
evaluations of Echelons 1 and 2 officers, - Policy on operational guidelines for
and disciplinary sanctions to Echelons 1 Compliance Desk and policy on Know
and 2 officers. Your Customers (KYC) to comply with KYC
regulations.
Ill. Implementation of Compliance, Internal
Audit, and External Audit Functions 2. Internal Audit Functions
BRI implemented an audit methodology called
1. Compliance Function Risk‑Based Audit (RBA) which was gradually
For the sake of upholding compliance to the implemented in accordance with the maturity
relevant laws and regulations, the compliance level of corporate risk management. With
function was undertaken through the following this methodology, business process and
activities: business units predicted to have significant
risks in achieving company’s objectives are
a. Undertake testing and monitoring of given priority to be audited, ensuring the
follow‑up actions to test results. entire potential risks to be minimized to the
b. Review of policy acceptance risk levels.
c. Monitor agreement and commitment of BRI
to Bank Indonesia and other government In 2008, BRI Internal Audit audited areas which
institutions. were predicted to be significantly potential
63.
for disturbing the achievement of company’s line with Audit Committee in the form of
objectives. The role of BRI Internal Audit as coordination or regular audit findings reporting.
the catalyst for the growth of management
awareness of the significance of risk Internal Audits have evaluated the sufficiency
management was well undertaken in relation to and effectiveness of internal control
the role of Internal Audit as a Strategic Business and performance of line management
Partner (SBP) of BRI Line Management. units. Besides, they also have evaluated
the sufficiency and effectiveness of risk
In order to maintain the quality of audit findings, management process as well as corporate
sustainable quality development programs governance of all aspects and elements of the
are continuously held, both externally and Bank businesses.
internally (using Internal Review Program). This
is conducted by examining all Internal Audit Internal Audit function is reviewed periodically
Operating Units every year, or through quality every 3 year by External Auditors for its
standard testing using international standard effectiveness and compliance to the Role of
ISO 9001 2000 based on samples from several Bank’s Internal Audit Function Standard. The
Regional Audit Offices. results showed that BRI Internal Audit Function
has played its role following the standards
In undertaking their duties, Internal Audits given and continuously attempted to make
are independent from operational Operating adjustment with the current standard best
Units, without pressure from any party in the practices. In the future, BRI Internal Audit
organization. They are directly accountable to will do its best to make it perfect through
President Director and have communication benchmarking and attending either national or
international seminars.
64.
3. External Audit Functions and monitoring of risks for maintaining healthy

BRI has appointed the Public Accounting Firm internal bank condition. In addition, information
(PAF) that is registered with Bank Indonesia, and date management to support the process of
using GMS’ approval and Audit Committees’ risk measurement and monitoring are continuously
recommendations. The selection of PAF was updated and made perfect to support the Bank
in accordance with the existing laws and business.
regulations.
V. Related‑Party Lending and Large Exposure
The appointment of PAF considered such Loans
aspects as:
a. Capacity of PAF BRI has implemented prudential banking practices
b. Contract legality through its diversified portfolio of lending; such that
c. Audit coverage there has been no violation against the legal lending
d. Standards of professional public limit as per BI regulation in terms of either lending
accountants to related parties or the provision of loans of large
e. The communication between BRI and PAF exposure.
have been professional and independent.
Furthermore, to ensure the independency of the
IV. Risk Management Implementation, Bank’s management to possible intervention from
including Internal Control System related parties with respect to deciding on loan
approvals, BRI has implemented the four eyes
Commissioners and BOD are quite active in principles for more than five years.
supervision through the committee created at
Directorate/Commissioner level (Risk Management Below is total loans outstanding provided to related
Committee, IT, Credit Committee, ALCO, etc.) for parties and large exposure loans as of December
monitoring and strategic decision making. 31, 2008.
In accordance with the complexity and business Number of Nominal Amount

No. Loans provided to
Debtor (Million Rupiah)
size as well as the Bank business targets, risk
1. Related Party 6 749,905
management in BRI is implemented for all risks (8
2. Major Debtor
types of risks), which is in line with BI regulations a. Individual 25 18,229,942
built‑in and widespread throughout the entire b. Group 25 20,898,417
operational Operating Units. The implementation

of risk management comprises risk identification, Fund provision for related party and prime debtors
major risk indicators, risk profiles, and formulation above has been given based on Good Corporate
of follow‑up actions which are reported to the Governance principles, which was proven by
management for its risk monitoring/control over the decision to provide funds in accordance with
significant risks. the Bank General Credit Policies made by Credit
Committee as they are authorized.
BRI has adopted policies, operational procedures,
risk management, and risk limits parameter/
indicators which are used in the measurement
65.
VI. Bank Rakyat Indonesia Strategic Plans VIl. Transparency of the Bank Financial and
Non‑Financial Condition Not Stated in Other
For the implementation of GCG, BRI has developed Reports
a system of corporate planning and control which
is systematically arranged, realistic, and integrated BRI has disclosed all required financial and
without neglecting external and internal factors as non‑financial information in line with the existing
well as prudential banking practices as stipulated regulations to its Shareholders, among others are:
in BI Regulation No. 6/25/PBV2004 dated October
22, 2004 and BI Circular No. 6/44/DPNP dated No. Type of Report Addressee
October 22, 2004.
1. Financial Report a. Central Bank of Indonesia
b. Bapepam-LK (Financial Institution
BRI has devised a Corporate Plan that is and Capital Market Supervisory
Board)
divided into short‑term planning (1 year) which is c. Indonesia Stock Exchange
manifested in the Annual Budgeting, a medium- d. State Audit Board
e. Ministry of SOE
term planning (3 years) that is manifested in the
f. Ministry of Finance
Business Plan, and long‑term planning (5 years) g. Deposit Insurance Institution
that is manifested in the Corporate Plan. h. Directorate General of Taxation,

Ministry of Finance
2. Annual Report a. Central Bank of Indonesia

In order to realize those plans, BRI has formulated a b. Bapepam-LK
number of programs and strategies in business and c. Indonesia Stock Exchange
d. Indonesian Consumers Foundation
support sides, which are
e. Indonesia Institute of Bankers
- Focus on MSM businesses (Micro, Small, and f. Indonesian Rating Agencies
Medium) g. Indonesian Banking Association

i. Finance and Economic Research
- Expand network operations Institutions
- Strengthen risk management j. Finance and Economic Magazines
- Utilize Information Technology for operational

3. Deposits Report Deposit Insurance Institution
efficiency and speed of services.
4. Commercial Bank Report Central Bank of Indonesia
5. Risk-Weighted Assets Central Bank of Indonesia

The management accountability regarding and Minimum Capital
the implementation of each planning is done Requirement Report
through the mechanism of General Meeting of 6. Use of IPO Proceed Report Bapepam-LK
Shareholders, which includes an evaluation of 7. Realization of Bank Central Bank of Indonesia

company organisational structure, system and Business Plan Report
procedures, human resources, performance 8. Bank Ratings Report Central Bank of Indonesia
appraisal system, as well as internal audit function 9. GMS Report a. Bapepam-LK

b. Indonesia Stock Exchange
at every layer and unit in organisational structure.
10. Public Expose Report a. Bapepam-LK
b. Indonesia Stock Exchange
66.
VIII. Shares Ownership of Commissioners and BOD Amount Received in a Year

As of 31 December 2008 none of the No.
Remuneration Commissioners Directors
and Facilities
Commissioners and Directors of BRI hold shares Person Rupiah Person Rupiah
amounting to 5% of the paid‑in capital of the 1. Remuneration 7 15,360,000,000 10 54,600,000,000
Bank, other banks, non‑bank financial institutions, 2. Facilities
a. Ownership 7 1,222,700,000 10 4,196,233,333
and other companies located in Indonesia and b. Non
Ownership 7 1,605,552,000 10 6,185,700,000
overseas.
TOTAL 18,188,252,000 64,981,933,333
The statement regarding the shares ownerships

has been stated in a Letter of Statement by each The amount of remuneration per person in a year
Commissioner and Director.
Amount of Remuneration per Number of Number of
No.
Person in a Year Directors Commissioners
1. above Rp2 billion 10 7

IX. Financial and Familial Relationships of
2. above Rp1 billion up to Rp2 billion - -
Commissioners and Directors with other
3. above Rp500 million up to Rp1 billion - -
Commissioners, Directors, and/or Controlling
4. Rp500 million and below - -
Shareholder of the Bank.
All members of the Board of Commissioners XI. Share Options

and Board of Directors do not have financial and
familial relationships with other members of the BRI has declared its internal policy pertaining
Board of Commissioners, Board of Directors, and/ to share options provision by referring to the
or Controlling Shareholders. The statement of not Regulation of Capital Market Supervisory Agency
having financial and familial relationships among No.: Kep‑44/PM/1 998, dated August 14, 1998.
members of the Board of Commissioners and

Board of Directors has been stated in a Letter of The Share Option provision was executed in three
Statement. phases within 3 years as follows:

1. MSOP I was given during BRI Initial Public
X. Remuneration Policy/Package and other Offering (IPO) on November 10, 2003.
Facilities for Commissioners and Directors 2. MSOP II was carried out in the second year
after IPO.
The Commissioners and Directors are entitled to 3. MSOP III was carried out in the third year after
remuneration and facilities stated in the following the IPO.
table. This is the amount that the Commissioners

and Directors may receive within a year. The shares owned by the Board of Directors
(except the President Director) were given while
they were the Executives of the Bank.
67.
Number of Options Details of Salary Ratio: The Highest and the

Lowest
Number of Options
Number
of
The ratio consists of total cash=12‑month salary
Shares Option Time
Description / Name Held Price Period + Paid Leave + Religious Allowance + Incentive +
(shares) Issued Exercised (Rp) (year)
**** (shares) (shares) Bonus.
a. Ratio of highest employee salary over lowest
Commisioners Bunasor Sanim - -
Aviliani
B.S. Kusmuljono
-
-
-
- employee salary = 18.83
Baridjussalam Hadi - -
Agus Pakpahan
Agus Suprijanto
-
-
-
- b. Ratio of highest over lowest Director’s salary =
Saifullah Yusuf - -
1.11
Directors Sofyan Basir - 3,115,500 3,115,500 Pursu- 5
Sarwono Sudarto *)
Sudaryanto Sudargo *)
160,500
1,000
836,500
836,500
836,500
836,500
ant to
IDX rules
5
5
c. Ratio of highest over lowest Commissioner’s
Bambang Soepeno *) 470,500 668,500 528,500 5
Lenny Sugihat *) 630,000 802,500 802,500 5 honorarium = 1.11
Abdul Salam **) 65,000 - -
Sulaiman Arif Arianto *) 300,000 805,500 805,500 5
A. Toni Soetirto **) - - - d. Ratio of highest Director’s salary over highest
Suprajarto *) - 581,000 581,000 5
Asmawi Syam *) 140,000 836,500 836,500 5
employee salary1 = 6.13
Senior 17,025,000 14,491,500 Pursu- 5
Executives ant to
IDX rules
e. Ratio of highest Director’s salary over highest
employee salary2 = 2.88
*) Option on shares that were given to the Directors with the exception of Note:
the President Director, representing shares allocated during which time 1
) Based on total annual cash (including tantiem)
the Directors were serving as the Bank’s Senior Executive, and in line with 2
) Based on monthly salary
Bapepam-LK regulation.
**) Mr. Abdul Salam and A. Toni Soetirto do not own an MSOP in PT. Bank
Rakyat Indonesia (Persero) Tbk
***) Senior Executives comprise of Echelon 1 and 2 officials of the level of
Divisional Head, Deputy Divisional Head, Regional Manager, Deputy
Regional Manager and Branch Manager XIII. Meetings of the Board of Commissioners
****) As per data from the Shares Registrar on 31 December 2008
XII. Salary Ratio: The Highest and The Lowest In accordance with letters of the Articles of
Association of the Bank, meetings of the Board
For the purpose of attracting, motivating, and of Commissioner are convened periodically at
retaining its best employees, BRI has formulated a least once a month, or at any time as required. In
salary system that is based on the best practices those meetings, the Board of Commissioners may
in the banking industry and constantly reviews invite members of the Board of Directors to attend
and updates the system to suit with business the meetings. Board of Commissioners Meetings
development as well as changes in the banking are officially legal and eligible for making binding
employment market practices. This is carried out resolution if more than 1/2 (one-half) of the number
with due consideration for the Bank’s capability as of Commissioner are in attendance or represented
well as prevailing laws and regulations. by proxy. Resolution of the meetings are binding for
all members of the Board of Commissioners, and
The salary of BRI employees is comprised of decided upon the basis of consensus.
principal salary, premium benefits, and transition
benefits, which are formulated to give appreciation If a consensus could not be reached, the
and recognition so as to achieve internal fairness resolutions are therefore subject to consenting
on the basis of: votes that exceed one-half part of the eligible votes
a. Role and contribution of the positions that are cast upon the meeting.
b. Relevant and proven working experience

c. Required expertise/skills and competencies
d. Performance achievement
68.
The following table shows the meeting attendance XV. Litigation Cases
record of the Commissioners in 2008:
In running its business, BRI is not precluded
Board of Commissioners Meetings: from legal actions which represent part of Bank’s
operations. In 2008, the number of litigation cases
Name Position Attendance % with material claims value of more than Rp1.0
Bunasor Sanim President Commissioner/ 33 100.00 billion, were as follows:
Independent Commissioner
Agus Suprijanto Commissioner 19 57.58
Agus Pakpahan Commissioner 12 36.36
Number
Saifullah Yusuf Commissioner 17 51.52
Litigation Cases
B.S. Kusmuljono Independent Commissioner 31 93.94
Civil Case Crime Case
Baridjussalam Hadi Independent Commissioner 31 93.94
Aviliani Independent Commissioner 28 84.85 Settled with a permanent legal verdict 0 0
Under due process 16 0
Joint Board Meetings: Total 16 0
Name Position Attendance % Litigation cases still in due process are those at the
Bunasor Sanim President Commissioner/ 6 100.00 level of the First Instance Court, Appellate Court,
Agus Suprijanto Commissioner 4 66.67 and the Supreme Court.
Agus Pakpahan Commissioner 3 50.00
Saifullah Yusuf Commissioner 2 33.33
B.S. Kusmuljono Independent Commissioner 4 66.67 XVI. Transactions with Conflicting Interests
Baridjussalam Hadi Independent Commissioner 5 83.33
Aviliani Independent Commissioner 5 83.33
In 2008, the Commissioners and Directors did not

XIV. Number of Internal Frauds and Efforts to have conflicting interests when making decisions
Resolve Frauds and taking actions in the Bank’s best interest. All
regulations regarding the implementation of GCG
On the basis of data on fraudulent activities with were formulated in a Joint‑Decree between the
resulting loss of more than Rp100,000,000,- (one Commissioners Directors on the GCG Policy of PT
hundred million Rupiah), there were no instances of Bank Rakyat Indonesia (Persero), Tbk. and internal
frauds committed by the Management of the Bank, Regulations on the Disclosure of Parties with
as presented below: Particular Relationship.
Number of Fraud Cases Committed by In order to enhance the prudential aspects of

Internal Fraud
Bank Permanent Contract the Bank and avoid a conflict-of-interest among
in a Year
Management Employees Workers
decision-making officers of the Bank, the decision
2007 2008 2007 2008 2007 2008 on credit over a certain amount need to be
Total Frauds 0 0 52 39 0 1
• Settled cases 0 0 35 24 0 1
decided by several officers who are part of the
• In process of
settlement
Credit Committee, and upon consultation with the
internally 0 0 11 14 0 0
• Have not
Commissioners. Moreover, the provision of credit to
undergone a related party requires approval from the Board of
settlement
process 0 0 1 0 0 0 Commissioners.
• Being settled
through legal
proceedings 0 0 5 1 0 0
In cases where a potential conflict-of-interest
is indicated, the instigating Operating Unit will
69.
engage an independent Operating Unit to discuss Fund Allocation for Social Charities
the matter such that any transaction that may not In 2008, BRI expended charitable funds for the
be in the interest of the Bank could be avoided following activities:
altogether.
Activity Nominal Sum (Rp)
Based on tests carried out on decision-to-be-taken

Corporate Social Responsibility (CSR) Rp54,535,000,000
on either credit or non‑credit transactions as well
TOTAL Rp54,535,000,000
as on working agreements that had been signed by
the Directors, in 2008 there were no transactions
that could be categorised as a transaction that is XIX. Self‑Assessment on GCG Implementation
associated with a conflict of interests.
In 2008, PT. Bank Rakyat Indonesia (Persero), Tbk.
conducted self‑assessment on the implementation
Name and Name and
Position Position
Transaction of Good Corporate Governance (GCG), covering
Type of Value
No. of Persons of
Transaction (Million
Description such things formulated in the Bank Indonesia
with Conflict Decision
of Interest Maker
Rupiah) Regulations. The result of this self‑assessment was
categorized “VERY GOOD”. The followings is the
N I L
summary of the self‑assessment:
XVII. Buy Back Shares and/or Bonds Summary of Composite Scores of Good Corporate
Governance Self‑Assessment:
BRI has redeemed its Subordinated Notes,
designated as “US$150,000, 7.75% Subordinated
Weight Rating Score
No. Component Description
Notes due 2013”. The redemption was in (a) (b) (a) x (b)
accordance with the stipulations in the Offering 1. Execution of 10.00% 1 0.1 Number, composition,
Roles and roles and responsibility
Circular and Fiscal Agency Agreement and Responsibilities of the Board of
of the Board of Commissioners
requirement on redemption as stated in the Circular Commissioners have been executed
effectively and efficiently
in compliance with all
Letter of Bank Indonesia No.26/1/BPPP of 29 May regulations.
1993. The early redemption was exercised on the 2. Execution of 20.00% 1 0.2 Number, composition,
Roles and roles and responsibility
outstanding Notes in full at a strike price of 100% of Responsibilities
of the Board of
of the Board of Directors
have been executed
Directors effectively and efficiently
the nominal principal value of US$ 150,000 on 30 in compliance with all
regulations.
October 2008, including all accrued and accruing
3. Adequacy and 10.00% 1 0.1 The composition
interest up to said date. Bank Indonesia did not Execution of and duties of the
the Duties of Committees have been
Committees executed in line with
have any objection to the early call option exercised prevailing regulation and
undertaken effectively
by BRI in this case. and efficiently
4. Management 10.00% 2 0.2 Bank BRI has

of Conflict of implemented an internal
XVIII. Fund Allocation for Social and Political Interest policy on transaction
containing a conflict of
interest. There has been
Activities, the Nominal Amount and Fund no transaction between
BRI and related parties
Beneficiaries. that contain any conflict
of interest.
Fund allocation for Political Causes

In 2008, PT BRI (Persero) Tbk did not participate in
any funding for political activities.
70.
Description of the Composite Score

Weight Rating Score
No. Component
(a) (b) (a) x (b)
Description
Composite Score Predicate

5. Implementation 5.00% 2 0.1 Implementation of
of Bank Bank compliance is
Compliance considered Good. The Composite Score < 1.5 Very Good
execution of the duties 1.5 < Composite Score < 2.5 Good
and responsibilities of the
Director of Compliance 2.5 < Composite Score < 3.5 Fair
and the Compliance
Division has been 3.5 < Composite Score < 4.5 Bad
effective. Guidelines, 4.5 < Composite Score < 5 Very Bad
systems and procedures
are available in adequate
scope.
6. Implementation
of Internal Audit
5.00% 1 0.05 Execution of internal
audits has been
Follow-up Plans
extremely effective, in line
with internal guidelines
and the minimum
standards of SPFAIB. Completion
Component Action Plan Obstacle
Period
7. Implementation 5.00% 1 0.05 The Bank has
of External appointed the Public
Audit Accounting Firm with Implementation a. Improving the risk Throughout -
due consideration of Risk database management 2008
on prevailing rules
and regulations. The Management system
appointed PAF and public and Internal b. Developing IT and
accountants have done Control MIS that support
their duties professionally
and independently, and the implementation
forwarded their audit of an integrated risk
results within the agreed management
scope of assignments.
c. Procuring the market risk
8. Implementation 7.50% 3 0.225 Identification and management application
of Risk mitigation of all Bank to support effective daily
Management risks are considered
and Internal effective to maintain
monitoring and reporting
Control an internally sound to Management.
condition of the Bank.
Procedures on the
implementation of internal
control are adequately
comprehensive and in Strengths and Weaknesses of the GCG Implementation
line with the objective,
scale and complexity
of the businesses of
at BRI
the Bank.
9. Lending and 7.50% 1 0.075 BRI has written policies,

Fund Provision systems and procedures Strengths
to Related that are updated a highly
Parties and
Large Debtors
comprehensive, to ensure
that decision making for
Commissioners and Board of Directors have strong
funds placement is taken
independently, and that commitment to implement GCG in every BRI business
funds are fully diversified
in order to prevent the activities by building understanding, concerns, and
possibility of breaching/
violating the Legal
Lending Limit.
commitment of all company’s organs in all layers. To
10. Transparency 15.00% 2 0.3 BRI submits financial and support this condition, BRI has adopted:
on the Bank’s non-financial information
Financial and in adequate scope, in a. Corporate Values (Core Values), which are
Non-Financial line with regulations
Conditions, governing dissemination continuously implemented and developed by
GCG of information to
Implementation stakeholders that
Report and should also be readily means of performance improvement program in all
Internal Report accessible. The report on
GCG has been submitted BRI Operating Units
in accordance with
requirement. b. Corporate Codes of Conduct, which have been
11. Strategic Plan 5.00% 1 0.5 The formulation and
implementation of the
agreed upon to be the behaviour and action
Bank Business Plan are
based on the Bank’s guidelines in undertaking daily tasks
vision and mission
statements. c. Policies on evaluating and completing a number
Composite
Score
100.00% 1.450
of company’s regulations for complying with GCG
principles
d. Socialization programs by related Operating Units
regarding the implementation of GCG
71.
Weaknesses Other initiatives taken for maintaining communications

There was no significance weakness which hindered with investors/ investment managers and analysts
the implementation of GCG. However, with networks include discussion and briefings on BRI’s performance
widely spread all over Indonesia, it is necessary to have and latest business progress through regular company
a much better coordination and adequate IT supports, visits and conference calls. Several other media were
through which the quality of information presented ‑ also used in disseminating information about the
either financial or non‑financial ‑ can be improved and Bank to key stakeholders, such as quarterly analysts
easily accessible by the stakeholders. meetings, and annual public exposes.
The Function of Corporate Secretary In addition, BRI also conducted field visits, especially
The Corporate Secretary of a public listed company to BRI Units. This is expected to be able to provide
plays a very important role. It functions as the investors and analysts with first‑hand experience with
spokesperson of the company, determines the public BRI solid micro business, which in turn, will build up
perception and image of the company. their confidence in the strength of BRI business.
One of the effective and efficient means of building All of the communication programs are meant to
understanding and managing public perception of providing up to-date and objective information, while
BRI is by maintaining relationship/cooperation and responding appropriately to the investors’ concerns.
communication with the media. In 2008, there were By doing so, it is expected that investors’ perception
a number of visits and discussions involving BRI will be built objectively, enhancing their confidence
and journalists as well as the editorial staff of several level towards BRI future performance and business
leading national media in order to maintain and build prospects.
understanding between BRI and the press community.
In those discussions, BRI reiterated its position in Currently, the Corporate Secretary of BRI is served by
championing MSME lending. Hartono Sukiman. He was born in Yogyakarta on 5
November 1957 and has been with BRI since 1985.
Furthermore, especially for financial journalists, BRI Appointed as the Bank’s Corporate Secretary on 1 July
conducted the “News Tour Program” by inviting 2006, having previously served in various positions in
journalists to visit BRI MSMEs’ clients and providing the Bank. He holds a degree in Business Economics
training for a broader understanding of the key aspects from University of Pembangunan Nasional, Yogyakarta
of banking and the capital markets. (1984).
As a publicly listed company, BRI maintains good

communication with the capital markets community
and regulator.
In maintaining and developing relationships and

communicating with the capital markets communities,
BRI participated in a number of programs, such as
road shows initiated by leading securities companies in
Jakarta, targeting major financial centres of the world in
Asia, Europe, and the United States of America.
72.
Press Releases 2008
Date Activities
8 Jan 2008 BRI donates 112 motorcycles to patrol the land borders of Indonesia.
Bank BRI Syariah launches the card-based savings product with the brand name of Tabungan BritAma
19 Jan 2008
Syariah (Sharia BritAma Savings) on the occasion of the Sharia Economy Festival.
23 Jan 2008 BRI and Holcim sign a cooperation for the house solution business.
4 Feb 2008 BRI inaugurates 29 office units in the BRI banking network within the BRI Medan Regional Office Group.
5 Feb 2008 BRI signs a number of Memorandum of Understanding (MOU) with a number of SOE.
BRI provides loan to PT Bosowa Energy in support of the infrastructure development program of the 2 x
6 Feb 2008
125 MW power plant in Jeneponto.
BRI signs a cooperation for the KPR and KPA (house and apartment loan) facilities with the PAKUWON
13 Feb 2008
GROUP.
BRI signs an MOU with IPB and the Regency of Tanah Bumbu Kalteng on the Development and
18 Feb 2008
Revitalisation of Palm Oil Plantations through the Nuclei-Plasma Partnership Scheme.
23 Mar 2008 BRI provides 32,000 packages of staple goods to the fishermen of Jakarta, Bekasi and Karawang.
29 Mar 2008 BRI organises the a Customer Gathering event at the Marketing Galery, Gandaria Heights.
8 Apr 2008 BRI combines donation of staple goods with KUR in Indramayu and Pekalongan.
17 Apr 2008 BRI KUR in Purworejo.
19 May 2008 BRI Unit in Jakarta undertakes pilot testing of EDC (Electronic Data Capture) service.
14 Jul 2008 BRI launches a special program for rural communities, naming it the Simpedes Folks Festival.
14 Aug 2008 BRI undertakes a cooperation with the National Construction Service Development Institute.
30 Aug 2008 BRI carries out the BRI BritAma Savings Prize Draw, ”GELEGAR BRITAMA MERDEKA 1 MILYAR”.
18 Sep 2008 BRI organises a fasting break for 2,500 orphans of Jabodetabek.
BRI sends 3,000 customers of KUPEDES & SIMPEDES on their home-coming trip during the Ied
22 Sep 2008
Celebration.
17 Oct 2008 BRI donates 20 motorcycles to West Java Regional Police Force.
25 Oct 2008 BRI organises the BRI SHOPPING PRIZES event.
30 Oct 2008 BRI redeems its Subordinate Notes amounting to US$150,000,000.
31 Oct 2008 BRI publishes its third-quarter financial performance report.
12 Nov 2008 BRI provides aid for the development of the Islamic School Ummul Quro in Bogor.
16 Nov 2008 BRI launches the BritAma Untung Beliung Lucky Draw Program for the 2008-2009 period.
BRI strengthens the synergy in the disbursement of KPR/KPA for housing, apartments, shop houses
24 Nov 2008
and home-office projects that are developed by Perum Perumnas.
BRI organises the prize draw for the first period draw of the BritAma Untung Beliung Lucky Draw in
27 Nov 2008
2008-2009.
BRI signs an MoU on the benefits of banking services with the Indonesian Association of Young
11 Dec 2008
Entrepreneurs (HIPMI).
16 Dec 2008 BRI celebrates its 113th anniversary.
BRI covers the medical expenses of in-patients in the economy wards of 30 General Hospitals
26 Dec 2008
throughout Indonesia.
73.
Corespondence with the Indonesia Stock Exchange in 2008
Month Report
Jan Information on media news regarding the plan on the sale of shares
Mar BRI’s Financial Report for Fourth-Quarter 2007
Announcement of BRI GMS
Invitation to BRI GMS
Apr
Revision on the Agenda of BRI GMS
Financial Report for First-Quarter 2008
Amendment of invitation to BRI GMS
Summary of spin-off plan
May
Report on the Resolutions of BRI GMS
Notice of schedule and means of Dividends payment
Jun Announcement of cash dividends per share
Jul Financial Report for Second-Quarter 2008
Aug Amendment of BRI’s Articles of Association
Sep Information on media news regarding acquisition of Bukopin
Oct Financial Report for Third-Quarter 2008
Material disclosure on the redemption of BRI’s US$150 million Subordinated Notes
Nov Plan for Public Expose
Report on the Outcome of Public Expose
74.
Electronic Banking Service
BRI provides electronic banking service that as at year-end 2008 comprised of 1,796 proprietary BRI ATM locations
and more than 35,000 other ATMs from the ATM Link, ATM Bersama, ATM Prima dan BankCard networks. In addition,
BRI also provides the Electronic Kiosks network of Cash Deposit Machines and Electronic Data Capture. The electronic
banking service of BRI also includes the 24-hour phone banking and SMS banking services.
75.
Business Target Achievements in 2008
76.
MICRO, SMALL AND MEDIUM SIZED

BUSINESS
The Micro, Small and Medium Enterprise supporting the national economy in facing the
segment forms the core strength of BRI. This global economic recession that is currently
strength rests in the scale of BRI’s business threatening global economic growth.
which is substantially large. BRI’s business
strategy in the Micro, Small and Medium Sized BRI continues efforts to defend its position
Enterprise (MSME) segment is to continue to as a market leader in the micro banking
support its scale of business, expanding a business as well as serving as a micro-
service reach capable of penetrating remote finance consultant that is widely recognized
corners of the country, with greater depth internationally. BRI develops savings and
particularly to highly populated areas - a loan products that are in line with the specific
vertical and horizontal development by BRI needs of micro-entrepreneurs and customers
that is made possible by its economies of from all walks of life.
scale.
Loan Products
Micro Business Micro Credit is mainly comprised of the
Kupedes loan products with limit of up to
The micro sector may serve as one of the Rp100 million, and are divided into three
pillars of the national economy that has loan categories: working capital, fixed assets
proven to be resilient in the face of global financing and salary-based loans. BRI has
economic fluctuations. Viewed from this enhanced the features of Kupedes that
perspective, BRI plays an important role in now include the Kupedes Housing Solution
77.
(in cooperation with Holcim), Kupedes for the stipulation of the Debtor Information
Indonesian Migrant Workers and micro-scale System (SID) of Bank Indonesia, and other
Kupedes. In addition to Kupedes, micro loans new customer credit criteria governing
also include the micro KUR (People Business Micro KUR
Credit) with limits of up to Rp5 million that is - Electronic Data Capture (EDC)
progressing encouragingly. The EDC is used to support collection of
payments and increase service quality
provided by BRI Units. EDC will facilitate
Description 2008 2007 %
transactions without requiring customers
Outstanding (Rp billion) 42,756 32,602 31.15
to visit BRI unit offices.
Total Debtor 4,460,580 3,515,812 26.87
Savings Product
Micro loans have continued to grow in 2008,
Currently BRI’s micro-business savings
as follows:
product is the BRI Simpedes savings, and
This growth has also been supported by the
its variant products that target specific
rapid growth of the Micro KUR throughout
customer groups comprising of Simpedes
2008.
for Indonesian Migrant Workers (TKI),
Simpedes for Pensioners; and Simpedes for
A variety of initiatives with promising growth
army personnel (TNI AD). Aside from savings
potential have continuously been rolled out by
product, BRI also offers demand deposits and
BRI over the course of 2008. Among others
time deposits.
are the following:
Simpedes is mainly targeted at entrepreneurs,

- Micro KUR
workers and housewives from the middle- and
Through the strategic development of
low-income group living in rural and suburban
Micro KUR, BRI Unit can now market loan
areas. During the last five years, Simpedes
with a ceiling of Rp5 million more broadly
have grown on average by 21.04% per year
and flexibly, because 70% of the loan
from Rp26.22 trillion in 2004 to Rp56.28 trillion
amount is guaranteed by credit insurance
in 2008. As of 31 December 2008, the total
from PT Askrindo and PT Jamkrindo.
number of Simpedes customers reached more
Debtors of these micro credits are
than 18 million, contributing significantly to
embryos that could develop into debtors
BRI’s fee-based income.
of the Kupedes with higher ceiling, in line
with the growth of their businesses, and
The success of Simpedes is attributable to
thereby broadening the market potential
its relevant product features that are suitable
for Kupedes.
for its target groups, as well as to the active
marketing and promotional programs such
- Micro-Scale Kupedes (KSM)
as the Simpedes Folks Festival, and the
Micro-scale Kupedes are intended to
development of the Simpedes in cooperation
serve debtors who wish to obtain credit
with TKI and TNI-AD.
below Rp5 million but are constrained by
78.
Development Plans for Micro Business

The plan to develop micro savings and loan products
especially focuses on efforts to capitalize on growth
opportunities. For this BRI will endeavour to maximize
the advantages of the BRI Unit networks in order to
generate new customers.
On the funding side, the Simpedes products will

continue to be developed through several programs,
especially through the development of card-based
Simpedes which uses a private label card; development
of the Simpedes Student programs and Simpedes
Savings Plan; and the promotional programs of the
Simpedes Prize Draw and Simpedes Folks Festival.
Retail/Small Business
BRI continues to make efforts to develop its retail

banking and products in order to strengthen the Bank’s and BriGuna Purna, as loans for both active and retired
position and market share in MSME banking which individuals, respectively.
continues to be very promising.
During 2008 BRI developed several market penetrating
In order to anticipate and accommodate challenges products which include:
and evolving business conditions so that retail loan is
able to grow and expand in line with set targets, BRI - Construction Loan for the BTS Tower
continues to enhance product policies, strategies and The telecommunications sector has a high growth
marketing programs, as well as the development and potential for BRI to provide financing in the
monitoring of the loan portfolio. construction of BTS towers as well as expansion
of BTS networks that can be leased out to several
Retail loans encompass Small Commercial Loans up cellular telecommunications operators.
to Rp5 billion and Consumer Loans. At present, Small
Commercial Loan comprises of working capital and - Increased competitiveness of BRIGuna
fixed assets financing, express loan, construction loan In order to increase the competitiveness of
under the BO1 framework, PPTKI (migrant workers BRIGuna loan, BRI regularly evaluates customer
agency) loan, franchise loan, warehouse receipt loan, needs, changes in the competition landscape as
petrol station loan, and base transceiver station (BTS) well as in economic conditions.
loan. Whereas Consumer Loan includes BriGuna Karya
79.
- Biometrics fingerprint technology Program loans are often disbursed in the form of
BRI and PT Taspen have signed a Working interest-subsidized loan from the Government as well
Agreement for the remittance of pension pay as commercial program loans. The source of funds are
through BRI in the amount of approximately Rp1 supplied by BRI or channelled from the government,
trillion per month. To ensure that pension payments in which the associated risks are borne by the fund
are appropriately made to the rightful recipient, BRI owners. The types of Program Loans include among
uses the latest Biometrics technology that scans others:
client fingerprints.
People Business Credit (KUR)
- Transactions in connection with Operating Retail KUR constitutes working capital and/or
Bank/BO1 investment loan with ceilings ranging from Rp5 million
In connection with the appointment of BRI as the to Rp500 million. The facilities are given to small
Operating Bank I for the Government Treasury businesses and cooperatives that are productive and
Single Account, BRI provides a facility scheme feasible, yet not bankable. With the loan guarantees
for Construction Working Capital with the BO1 provided by Askrindo and Jamkrindo, the Retail KUR
proceeds as the source of repayment, in addition becomes a Program Loan that can fulfil the needs of
to Bank Guarantees against the pledged BO1 the small business and cooperatives segment.
proceeds.
Loans for Members of Primary Cooperatives (KKPA)
From its successful marketing, BRI was able to post The KKPA Loan includes working capital and
significant Retail Loan growth in 2008, as can be seen investment loans that are provided to members of
from the following table. primary cooperatives to continually finance productive
businesses in partnership with nucleus companies
(in Rp billion)
(patron). KKPA financing is funded by BRI as well as PT
Description 2006 2007 2008 Permodalan Nasional Madani (PNM) and Government
Commercial Loan 21,355 25,877 35,322 Notes.
Consumer Loan 15,068 17,651 23,998
- BRIGuna Karya 11,945 14,214 19,395
- BRIGuna Purna 3,123 3,381 4,603 Loans for the Development of Bio Fuels and
Revitalization of Plantations (KPEN-RP)
Investment loans to accelerate the development
Program Business
of small-holder plantations through expansion,
rejuvenation and rehabilitation of the plantation has
The Program Loan is a loan that is channelled to
been supported by government subsidies on interest
productive projects for either working capital or
payments. This may be executed with or without
investment loans in support of Government programs,
involving partner companies in developing and
as well as in the framework of providing banking
managing the plantations and marketing the produce.
access to MSME, and in support of the food security
Efforts are also being made to increase the productivity
program, revitalization of plantations and the supply of
of these plantations in order to produce the raw
raw materials for bio-fuel.
80.
material for bio-fuel as a source of alternative energy. Loans for Food and Energy Security (KKPE)
Especially for rubber and cocoa, the KPEN-RP uses KKPE includes investment or working capital loans
BRI commercial funds on a non-partnership basis, that are provided to support the implementation of the
which is directly served by BRI branch/sub-branch National Food Security Program, and the Development
offices. of Plantations for Bio-fuel Program. The source of funds
for KKPE is BRI commercial funds with an interest
Loans to Small Business Group (KKUK) subsidy from the Government.
Loans to Small Business Group include working capital
and or investment loans provided to small businesses Loans for the Economic Empowerment of Coastal
that have previously obtained loans from BRI in the Communities (PEMP)
form of P4K/ KPKU/ KPTTG-Taskin/ KPKM, and The PEMP Loan is the outcome of the cooperation
have maintained a good track record for repayment. between BRI and the Ministry of Maritime and Fisheries.
KKUK is also provided to small businesses that had The loan is provided to cooperatives of coastal
never received loans from BRI but are productive and communities in order to support the working capital for
require additional capital to grow the business further. the savings and loans program of the cooperatives.
The source of funds for KKUK originates from BRI
commercial funds.
Small and Micro Business Loans – Government

Notes (KUMK-SUP)
KUMK-SUP is a loan that is funded by the Government
Notes (SUP). Since 2005 BRI has obtained funds
allocated by SUP in the amount of Rp500 billion, and
must repay the fund in five bi-annual instalments.
Presently the outstanding balance of the funds is
Rp200 billion.
81.
Sharia Business Unit
The Sharia Business Unit began with the operation

of two branch offices of BRI Syariah in Jakarta and
Serang on 14 April 2002. By year-end 2008, BRI
Sharia had expanded to 27 BRI Sharia branch offices
and 18 BRI Sharia sub-branch offices that are spread
throughout Indonesia.
In anticipation of the development of the Sharia banking

business in the future, to enhance its performance and
competitiveness in the sharia banking market, and in
recognition of the need to manage the sharia banking
business in a more focused light, the Management of
BRI has resolved to spin off the BRI Sharia Business
Unit (BRI-SBU). Through the spin-off, BRI-SBU will be
merged into Bank Sharia BRI (BSB), which was formed
by converting Bank Jasa Arta (BJA), which BRI had
acquired previously, to become a Sharia Bank.
The said conversion has already obtained the permit

from Bank Indonesia on 16 October 2008. Henceforth
BSB will become a wholly-owned subsidiary of BRI.
Furthermore it is hoped BSB can grow more rapidly,
and make its contribution to the solid growth of sharia
banking in Indonesia.
Going forward, in line with its vision to become a

leading modern Sharia retail bank, BSB will create
positive synergies with BRI by capitalizing on the
extensive network of BRI as office channelling, to
develop its business by focusing on the micro, small
and medium-sized enterprise segment.
82.
CONSUMER BUSINESS
The Consumer Business segment provides BRI with Consumer lending represents a banking segment that
growth opportunities by capitalising on BRI’s extensive has a high level of growth in Indonesia, in connection
network. BRI focuses on penetration of consumer with the continuing growth of the middle-class income
banking products in urban areas. population that has given rise to the formation of a
consumer class with a lifestyle and purchasing habit
BRI’s business strategy in the consumer segment is to that begets consumer lending on an ever growing
penetrate urban centres throughout Indonesia, without scale.
neglecting the strength and commitment of BRI in rural
areas. In 2008, penetration to urban areas was marked Loan Products
by an increase in BRI presence in 14 major cities: Loan products for consumers are comprised of credit
Jakarta, Surabaya, Medan, Yogyakarta, Semarang, cards, multi-purpose loan (KMG), home mortgage loan
Bandung, Palembang, Balikpapan, Banjarmasin, (KPR) and motor-vehicle loan (KKB).
Makassar, Manado, Denpasar, Ambon and Jayapura.
The penetration of these large cities is complemented The total sales volume of BRI credit cards increased
by an ongoing strategy to deliver banking services to by 90% to Rp1.12 trillion, while total outstanding
other residential areas or satellite towns of major cities. credit rose from Rp260.14 billion to Rp396.57 billion.
BRI implements a strategy of expanding both vertically Whereas KPR and KKB increased by 67.56% and
and horizontally in order to reach markets from rural 28.65% to Rp3.01 trillion and Rp449.00 billion,
areas to highly populated satellite towns and the respectively.
commercial centres of metropolitan cities.
83.
In supporting the development of the consumer Home Mortgage Loan (KPR)

business in 2008, BRI opened 13 consumer loan KPR is a loan facility for the purchase of houses,
centres in six large cities across Indonesia. BRI will apartments, flats, home offices and shop-front houses;
continue to open more of these centres. In addition new as well as old. In addition to the purchase of
to broadening its network of consumer loan centres, houses, KPR BRI can also be provided for renovation
BRI has also developed product features that are as well as construction of homes. BRI’s KPR comprises
attractively packaged and well-coordinated with of the commercial KPR and the government subsidised
business partners (developers, motor-vehicle dealers, KPR. The subsidised KPR is marketed to support the
and insurance) such as the lowering of down payments Government’s program in providing affordable housing.
for credit purchases, the maintenance of competitive KPR can be provided up to Rp5 billion with a term
interest rates and more flexible options on instalment of up to 20 years and a minimum deposit of 20% of
payments. the value of the property. In line with the continuing
development of the KPR line, total outstanding KPR
BRI Credit Card debt has continued to increase, reaching over Rp3.01
BRI Credit Cards - Standard and Gold - are available trillion by 31 December 2008.
to all BRI customers with the brand positioning of
“Family Life Style” and the brand tag line of “Lighten Motor-Vehicle Loans (KKB)
Your Life”. Additionally BRI offers the Platinum Card for KKB is a loan for the purchase of new and used motor
select BRI customers, which uses the brand positioning vehicles comprising of both cars and motorcycles.
“Indonesia Heritage” and the brand tag line “For Your The down payment for this loan starts from 10% of
Lifetime Achievement”. the purchase value with a maximum term of five years.
KKB loan is divided into two types: KKB Direct which
BRI Credit Card Performance is direct financing to end users (whether through a
reference from the dealers or involving the walk-in
Growth
Description Dec 2008 Dec 2007
(%) customers themselves); and KKP Joint Financing which
Number of Credit Cards 207,090 112,614 83.57 is financing to end users that is channelled through a
Sales Volume (Rp billion) 1,120.00 592.67 89.42
Credit Outstanding (Rp billion) 427.00 260.30 64.11
multi-finance company. Total KKB outstanding as of
Fee Income (Rp billion ) 44.22 21.30 107.61 31 December 2008 was Rp449.00 billion.
The increasing number of BRI credit card holders is due Multi-purpose Loan (KMG)
to the success of the marketing activities undertaken KMG is a loan that meets the needs of consumers that
by BRI business units through cross selling programs cannot be served with KPR or KKB. The KMG loan
to customers, telemarketing, direct sales to new has a range from Rp100 million to Rp1 billion with a
customers as well as an internal marketing program. maximum tenor of 10 years. As at year-end 2008, the
total KMG outstanding amounted to Rp417.55 billion.
The increasing volume of sales and outstanding loans
are supported by credit card activation programs,
promotional initiatives which match customer
behaviour; as well as an increase in the total number of
card holders. This is also supported by an improvement
in service quality that increases customer satisfaction.
84.
Funding Product Priority Banking

The consumer segment provides significant The goal of the ‘BRI Prioritas’ service is to increase
contributions for the development of third-party funds. customer retention and loyalty, volume of funding,
Supported by financial products that are designed fee-based income through wealth management
specifically for attracting middle to upper class, the activities such as investment advisories, pension funds,
savings product BritAma represents BRI’s response bancassurance; and enhancing the image of BRI as
to generate third-party funds in large cities that are the “Premiere Bank that serves all layers of society”.
beyond the reach of BRI’s Simpedes funding program. To date BRI already has a customer base for ‘BRI
Prioritas’ that comprises the mass affluent market
BRI initiatives in the development of the savings segment and including more than 5,000 customers.
product, BritAma, have produced encouraging results
over the years. During the past 5 years, the averaged In this initial stage, ‘BRI Prioritas’ provides an exclusive,
annual growth of BritAma was 20.66%, growing from integrated “One-Stop Service” that offers the full range
Rp14.46 trillion in 2004 to Rp30.65 trillion as at year- of premium banking products and services that can
end 2008. In 2008 alone, BritAma grew by 23.18% or satisfy customers with a minimum savings of Rp500
Rp5.77 trillion. This was due to a number of reasons million. ‘BRI Prioritas’ customers obtain a ‘BRI Prioritas’
including the success of the marketing program Card as an access key to the “One Stop Service” at
“Untung Beliung BritAma” (BritAma’s Winds of Fortune) ‘BRI Prioritas’ Service Lounge. Furthermore the Card
that offered a Lucky Draw Prize including more than functions as an ATM/Debit Card for BRI.
100 cars and packets of cash that were awarded
at draws in 14 major cities that the BRI Consumer The initial concept was primarily aimed to support
Banking programs have specifically targeted. Customer Relationship Management and Cross Selling
that can facilitate customers across all banking services
Of particular note to BRI BritAma savings was the that will ultimately increase the wallet share of each
growth of the average balance of savings per customer, individual customer of BRI. Through the ‘BRI Prioritas’,
which increased from month to month indicating a it is hoped that the Bank’s current customers who
high response on the part of the public as well as are affluent/high-net-worth individuals (HNI), but have
the success of BRI’s third-party funding marketing not obtained priority banking service, will remain loyal
communications program in general. to BRI and take the opportunity to bank with ‘BRI
Prioritas’, and refer their circles to ‘BRI Prioritas’ as
In terms of other savings products, BRI also has a well.
demand and time deposits. The total amount of funds
generated by demand deposit as at year-end 2008 E-Banking BRI
was Rp39.92 trillion that comprised of both individual As at year-end 2008, the range of electronic banking
and institutional accounts, which increased by 7.45% channels that had already been made available to
compared to that of year-end 2007. Meanwhile, time BRI customers included ATM, Phone Banking, SMS
deposit reached Rp73.54 trillion, an increase of 36.49% Banking, Kiosk, Mini ATM and Cash Deposit Machine
compared to that of the same period last year. (CDM). To enhance the Bank’s competitiveness in
e-Banking, BRI continues to develop other e-Banking
channels including Internet Banking, Prepaid Card
(Electronic Money), Mobile Banking GPRS and Mobile
Services.
85.
Marketing Communications Development Plan

The successful selling of BRI’s banking products and The main target for consumer credit business is to
services is a direct result of the hard work and effective selectively increase competitiveness. The strategy is
marketing strategies in order to achieve the business applied by focusing on the middle-segment markets
targets. in the 14 major cities, and by developing features and
product innovation as well as undertake joint promotion
BRI’s marketing communications program aims to and cooperation with third parties. All this has been
attend the maximum level of awareness for BRI’s brand undertaken with the goal to become the “five largest
as a universal bank in the broadest sense, and promote consumer loan providers in Indonesia” in the near
BRI’s banking products and services to their respective future.
target markets.
Another development strategy of BRI is to enhance
In addition to building a strong customer awareness, an business cooperation, strengthen relationships, and
aggressive marketing communications programs also undertake joint promotions with business partners such
supports BRI’s brand image by creating a blueprint for as property developers, insurance companies, as well
BRI’s consumer products and services that are applied as sole distributors and dealers of various automotive
consistently to create a clear positioning and perceived brands.
value for these products and services. The marketing
communications program is aimed at increasing new
accounts as well as that of customer retention and
loyalty toward BRI product brands.
86.
COMMERCIAL BUSINESS
The target market for providing loans to commercial In developing the agribusiness sector since 2006, BRI
businesses comprises of loans for businesses within has provided a credit scheme for the Development of
the agribusiness sector and those which lie outside Bio-fuel Energy and Plantation Revitalisation (KPEN-
of the agribusiness sector for privately owned RP). The credit is given to farmers (via cooperatives)
corporations. In terms of size, credit for commercial or through the nuclei-company (in the so-called
businesses has a nominal value above Rp50 billion up nuclei-plasma program) to support the development of
to the legal lending limit of BRI. alternative energy projects and plantation revitalization.
Commodities that are financed by KPEN-RP scheme
As part of its commitment to support the development are palm oil, cocoa and rubber.
of Indonesia’s agricultural sector, BRI has developed
a special agribusiness loan product for individuals or The interest rate of the KPEN-RP credit is commercial-
corporations that are engaged in agribusiness in the rate interest, however during the period prior to the
broadest sense, from on-farm to off-farm activities harvest interest on the credit will be subsidized by the
that encompass both upstream and downstream Government; enabling farmers to pay interest rate on
businesses in agriculture, plantation, forestry, animal- their borrowings of 10%.
husbandry, fisheries, trade support and other services
related to agribusiness.
87.
While growth opportunities in the agribusiness sector Loan Products

continue to be promising, BRI also considers its role in There are a whole range of loans that are suitable for
this sector as part of the Bank’s efforts to contribute to financing commercial businesses, whether in the form
the success of the national food security program. This of direct or indirect (contingent) credit that includes:
program is not only strategic to the national interest, 1. Loan for Working Capital
but is also central to BRI’s business sustainability. A 2. Loan for Export Working Capital
successful national food security program also entails 3. Investment Loan
the success of millions of farmers in Indonesia, the 4. Loan for Import Working Capital
majority of who are customers of BRI, which in turn 5. Loan for Construction Capital
will ensure the continuing viability of credits that have 6. Import Guarantee Facility (PJI)
disbursed to the agribusiness sector. 7. Standby Letter of Credit
8. Bank Guarantee
Financing outside of agribusiness sector for private
companies comprises of the manufacturing, mining,
trade and services. One of the business developments
that has been undertaken by BRI is to participate in
credit syndication programs to finance infrastructure
projects, including toll roads and power plants.
The main considerations of BRI to enter into

infrastructure projects is to support the pace of
economic growth, to generate the trickle-down-effect
benefits to other sectors of the economy, and to
provide job opportunities which in turn will support the
growth of the banking sector itself.
88.
INSTITUTIONAL BUSINESS
To support BRI’s business with government and private In an effort to capture available funds and increase
institutions, the Bank has developed new business fee-based income from existing customers in the
opportunities in several strategic sectors comprising institutional banking business, BRI specifically offers
of both the agribusiness and non-agribusiness sectors products and plans related to financial management
including infrastructure, power, telecommunications, that are custom-made to suit the characteristics of the
fertilizer, education, and pension fund; and forged customer’s financial transactions.
cooperation with government agencies at both central
and regional levels to monitor institutions that constitute Loan Products,
a business opportunity for BRI to provide either lending Since 2008, BRI has provided credit facilities to several
or funding services. SOEs to help finance institutions and develop projects,
through a range of facilities including: Cash Loans
In order to support the aforementioned businesses, (Working Capital for Construction, Import/Export,
in 2007, the Directorate for Institutional Business was Investment and Fixed Assets) and Non-Cash Loans
established with the aim of enhancing both funding and (L/C, Bank Guarantees, Domestic L/C and Stand
lending to State Owned Enterprises (SOEs), private by Letters of Credit) to several companies already
sector companies and government agencies. operating in the farming industries, sugar plantation,
fertilizer, infrastructure, electricity, transportation, fuel
and other productive industry sectors.
89.
Currently there are 46 SOEs and their subsidiaries that In addition, BRI also provides cash management
have become BRI customers. Growth of Institutional/ services, whether through special cooperation and
SOE financing in 2008 was supported by the application of a Cash Management System for several
application of several strategies which include, among SOEs that include PLN, Pertamina, Angkasapura I and
others: II, Bulog, Pegadaian, Pusri, Telkom and Telkomsel as
- Approaching SOEs that are already customers well as Taspen. Cooperation with SOEs is also done
to maximize the benefits that they derive from BRI through the provisioning of other bank services to
services; obtain fee-based income for example in the form of
- Establishing linkages between SOE that are salary-based credit, and bills payment for electricity and
customers of BRI with SOEs that are not yet telephone.
customers. Through this, BRI hopes to expand
its banking services to other SOEs and their Development Plan
subsidiaries which have not yet become customers The strategy deployed to develop BRI’s Institutional
of the Bank so that they may use its banking Business include among others:
services; - The expansion of credit specific to the needs
- Initiating direct approaches to SOEs that are not of SOE sectors such as infrastructure, strategic
yet customers of BRI, especially those which have industries which boost development in the real
excellent business prospects; sector, pharmaceuticals and mining;
- Organizing seminars, gatherings and meetings with - Improving the links with SOE that have already
the management of SOEs and their subsidiaries in become customers to optimise the use of BRI’s
order to present a clear picture of the benefits and banking services.
convenience of using the banking services provided - Cooperation in fund management for SOEs by
by BRI; implementing Cash Management Systems and
- Coordinating services between and among BRI cooperation on other financial operations such
regional and branch offices throughout Indonesia as purchase of fuel from Pertamina, purchase
to maximize the services provided to the SOEs, of fertilizers, systems for bill payments such as
in consideration of the fact that these SOEs often telephone and cellular telephone and others.
maintain offices and operations that are spread
across the country as well.
Funding Products
Institutional Business has become a source of funding
for BRI in the forms of Demand Deposits and Time
Deposits which are obtained from the deposits of
several government departments and agencies, state
and regional companies, public and private institutions,
and pension funds.
90.
INTERNATIONAL BUSINESS AND

TREASURY
Treasury plays an important role in safeguarding

liquidity, optimising interest income as well as Additionally, BRI Treasury, through its dealing room
maintaining a balance between assets and liabilities. carry out transactions in support of business projects
In addition to that, Treasury has also become a source from other Operating Units in BRI, such as the servicing
of fee-based income from several Treasury-related of foreign currency transactions through Spot, TOM
services. (Tomorrow), TOD (Today), as well as Swap and
Forward transactions for the Bank’s main customers
Treasury plays a strategic role in managing the position engaged in import and export. During 2008, the
of the Bank’s assets and liabilities. This business total nominal value of foreign exchange transactions
unit continues to make efforts to increase income by negotiated on behalf of customers amounted to
managing the positions of its banking book and trading US$9.8 billion from more than 8,000 recorded
book through effective cooperation with international transactions.
and domestic counter parties.
In 2008, BRI demonstrated its existence in the Other banking services provided by treasury:
Indonesian money markets, as a major player in
financial transactions through the Money Market, • Trustee Services
Foreign Exchange transactions, and was appointed BRI may function as a trustee to represent the
by the Ministry of Finance of RI as a Primary Dealer for interest of bondholders both inside and outside of a
Government Treasury Bills (SUN). BRI has consistently court of law, overseeing the implementation of the
fulfilled its responsibility as a Primary Dealer in spite of rights of bondholders in accordance with terms of
the ongoing global financial crisis. the bonds as stated in the trusteeship agreement
as well as prevailing laws and regulations.
91.
Trustee Services provided in 2008 were: International Banking Services
Description 2008 2007

Export and Import Transactions
Number of Issuers 9 13
The global financial crisis continues to influence
Total Bonds Value (Rp billion) 13,699 14,039
Fee Income (Rp billion) 2.71 3.88 international business conditions. The value of export
transactions through BRI in 2008 was US$638.50
The year 2008 witnessed a decline in performance due million, a decline of 18.08% compared with US$779.43
to the postponement of several bond issues and delays million recorded in 2007. The value of contributions
on payments of maturing bonds. by small and medium industry sector to BRI’s export
transactions in 2008 indicate the Company’s success
• Securities Sales Agency in actively empowering BRI branch offices in several
BRI already obtained its permit to act as a Selling areas that actively support export projects.
Agent for mutual funds as a Collective Investment
Contract. Currently BRI has been appointed as During 2008, BRI realized import transactions
the sales agent for seven mutual funds through of US$1,415.86 million, a decrease of 21.73%
deals with three Investment Managers. Bank BRI compared to 2007 when import transactions reached
has also been appointed as the sales agent for US$1,808.92 million.
the Indonesia Retail Bonds (ORI) by relying on the
Bank’s nationwide branch network. Fee income Remittance
from serving as a brokerage for ORI in 2008 BRI gives attention to the development of international
amounted to Rp1.99 billion. remittance services that continue to increase in line
with growing number of Indonesian Migrant Workers
• Custodial Services from year to year. International remittance transactions
By the end of December 2008 the total assets over the course of 2008 were US$15.83 billion or an
that were managed by BRI custodial services were increase of 47.85% from the previous year amount of
Rp13.4 trillion, with fees of Rp7.2 billion through US$10.71 billion.
a client base of 42 institutional customers which
comprised mainly of pension funds, foundations, Aside from serving export/import transactions and
insurance companies, mutual funds and other international remittances, BRI conducts various
institutions. specialized work programs aim to increase national
exports, especially those SMEs. Several programs that
• Financial Institutions for Pension Funds (DPLK) were implemented in 2008, including:
BRI established its Financial Institutions for Pension - Efforts to support small and medium-sized
Funds (DPLK) to provide management services businesses that are export-oriented.
for participating Defined Contribution Pension - Standardization of banking services and the early
Plan for individual and group participants. DPLK warning system.
BRI started its operations on 9 January 2006 and - Increase and broaden the scope of cooperation
currently manages the pension plan for more than with international correspondent banks in order to
39,000 participants with total assets of Rp887.67 enhance BRI’s trade finance services.
billion, generating income of Rp6.54 billion. DPLK
BRI has four types of investment choices which
are Money Market, Fixed Income, Equity and a
combination of the above.
92.
Over 58,000 Personnel - At Your Service
More than 58,000 personnel of BRI are ready to serve roughly 30 million customers who are spread into the far corners
of Indonesia. BRI places a strong emphasis on personnel development and training. Faced with challenges and market
competition, BRI’s personnel are being moulded to become human capital with a great capacity to learn, a strong
desire for change, an innovative spirit, and the impetus for creativity. More importantly, the enhancement of knowledge
and skills among personnel is integral to adopting prudential banking principles and holistic risk management.
93.
Risk Management
94.
procedures. The Risk Taking Unit takes

direct control of the inherent risks in order to
minimize the residual risks.
2. Risk Management Unit, serving as the second

line of defence, is responsible for managing
the risk to ensure that total risk exposure will
not exceed the Bank’s capital to cover such
risks. The management of risks is undertaken
through the setting and monitoring of risk
limits.
3. Internal Audit, as the third line of defence, is

I. Overview
responsible for ensuring the effectiveness of
internal control at both the risk taking units
1. Risk Management Organization
and risk management units.
In managing risks, BRI has established an
Integrated and comprehensive risk management
system, the implementation of which constitutes
the commitment of the Board of Directors of BRI
Responsibilities and Authorities of the Board of
to mitigate the potential of loss to its minimum.

Commissioners of BRI.
Risk management has a significant role in the

BRI Board of Commissioners
management of the Bank in order to achieve its
The responsibilities of the Board of Commissioners
business goals through two aspects, namely the
with respect to risk management covers among
protection of capital and optimization of the risk
other things: endorsing and evaluating the General
and return correlation and balance.
Policy on Risk Management of the Bank as well as
overseeing the Board of Directors’ accountability
BRI undertakes risk management by applying three
on the implementation of risk management policy
lines of defence, which are:
in accordance with prevailing regulations.
1. Risk Taking Unit, serving as the first line of

Responsibilities and Authorities of the Board of
defence, is the unit responsible for internal
Directors of BRI.
control function that maintains the quality of
The Board of Directors is responsible for
output and business process in accordance
establishing a comprehensive written policy and
with the Bank’s prevailing policies and
95.
strategy on risk management that is in accordance The Risk Profile Trends on BRI in 2008 were as follows:
with prevailing rules, including the setting and
approval of risk limits, and being responsible for the
overall risk management policy and risk exposures
of the Bank.
High Risk
2. Risk Management Committee

In managing the risk exposures of the Bank and
establishing the Bank’s Risk Management System,
the Board of Directors is assisted by the Risk
Management Committee (RMC), which represents
the highest hierarchy in BRI’s Risk Management
Credit Market Liquidity Operational Legal Reputational Compliance Strategic
System. In addition to the RMC, there are three
Q I-2008 Q II-2008 Q III-2008 Q IV-2008
sub-RMC namely the Credit Risk Management
Committee (CRMC), Operational Risk Management
Committee (ORMC) and Market Risk Management
1. Credit Risk Management
Committee (MRMC), all of which were formed
Credit Risk is a risk arising from the failure of the
to resolve risk issues that pertain to credit risk,
counter party to meet its obligation. The source
market risk, operational risk, and other risks. RCM
of credit risk may come from a variety of activities
meetings are convened at least once every quarter.
of the Bank such as credit (or funding thereof),
treasury, investment, and trade finance in both the
Bank’s trading book and banking book.
II. Implementation of Risk Management
For risk-weighted capital, credit risk constitutes the

BRI evaluates its aggregate risks through a
largest component of risk as lending is the largest
self‑assessment process that produces a Risk
activity of BRI. Credit risk exposures on products
Profile, consisting of the Inherent Risks (risks that
and/or/receivables comprise of lending and
are inherently attached to the Bank’s activities prior
non‑lending activities (placement, investment, and
to control implementation) and the Risk Control
other forms of payables or assets such as in-bank
System (control over the inherent risks) on eight
and external receivables).
types of risks that are inherent on seven functional
activities (credit, treasury, trade finance, funding,
Based on the self‑assessment of Risk Profile in
operations and services, IT system, and support
2008, the average aggregate inherent risk was
functions).
Low with average aggregate risk for risk control
system found to be Strong. Inherent aggregate
BRI overall risk profiles for 2008 was Low with a
risks on credit were measured from several
score ranging from 1.4 to 1.5. On a composite
functional parameters pertaining to aggregate risk
basis, both the inherent risk and risk control factors
is monitored through some activities parameters of
show levels of Low to Moderate, whereas the
credit, trade finance, and treasury.
overall risks facing BRI’s business in 2008 was
Low, with a stable trend.
96.
Credit risk that arises from lending/financing Preparation for Basel II Implementation
activities that constitute BRI’s main business BRI has formed a Basel II Implementation
activity is monitored through several parameters Coordinating Structure that involves all related
including Non Performing Loans (NPLs), credit Operating Units. This Structure is chaired by the
concentration on 25 largest borrowers, and loss Head of Risk Management Division. Mindful of the
provisioning ratio. Credit risk from trade finance complexity and the huge credit-risk exposure, BRI
activities is monitored through several parameters has also formed the Basel II Credit Risk Project
such as NPLs on Export Notes, NPLs on Import Office Team, which is responsible for developing
LC; whereas risk arising from treasury activities and implementing a credit risk management using
is monitored through parameters including Net the Standard and Internal approaches.
Performance Asset and outstanding concentration
of the three largest borrowers over issuers. When The Monitoring and Mitigation of Credit Risks
compared against the credit risk limit that is set as To maintain the quality of its credit portfolio, BRI
the Bank’s acceptable credit risk appetite, the risk adheres to the principles of prudence in its lending
profile of credit/financing activities in 2008 was still practices. The key principles in managing credit
below the limit. risk include among other things the segregation of
the Relationship Management from the Credit Risk
Credit Risk Management Process Management, the implementation of the four eyes
In managing the process of risk management, principle, application of a risk scoring system, and
BRI has developed the Credit Risk Management the separation of nonperforming loan workouts.
Implementation Guideline that has become Moreover, the lending practice has to adhere fully
the reference for all Operating Units in the to proven and sound credit procedures.
implementation of risk management. The guideline
covers the Working Framework and Governance In order to fully implement the functions of risk
on Credit Risk Management, as well as references management on credit risks, BRI has prepared
for the implementation of Basel II, Back Testing, the framework of credit risk management and
Stress Testing, and Internal Rating System for governance involving all related parties (Board of
products and activities that are exposed to credit Commissioners, Board of Directors, risk taking
risks; the procedures on determining Credit Risk units, Internal Audit, Risk Management Division),
Limits, Credit Portfolio Manual, and guideline for by giving due attention to the basic values of the
determining loss provisioning in areas prone to Bank, infrastructure, as well as supporting factors
natural disasters. and the Business Plan of the Bank, so that all
parties can discharge their respective roles and
Furthermore, BRI routinely undertakes stress test responsibilities towards achieving the Bank’s goals.
analyses (with different simulations and worst-case
scenario). This analysis is done on credit portfolios BRI has formulated the Loan Portfolio Guideline
using past performance data and based on that is aimed at helping BRI achieve the ideal credit
existing external and macro-economic conditions, portfolio that offers the highest possible returns
especially the crisis condition of 2008. with the least associated risks.
97.
The measurement of market risks (for interest rate

and exchange rate risks) uses the Standardized
Approach as stipulated under Bank Indonesia
regulation no.5/12/PBI/2003. Based on that
approach, the monthly average capital needed for
allocation to cover market risk (interest rate and
exchange rate risks) using Standardized Approach
in 2008 was Rp401 billion or approximately 2.1%
of the Bank’s total capital.
To gauge the likely impact that a rise in the Bank

Indonesia interest rate may have on the Bank’s
profit, net open position and CAR, a stress test is
undertaken periodically, such that potential losses
can be anticipated in advance.

The results of a stress test based on a scenario of
BI rate increases in the range of 10.5% to 13.5%
BRI is developing a Credit Concentration Limit showed the potential for a mark-to-market loss on
guideline to cap the risk exposure at a level that bonds held by BRI. However, the likely impact on
is tolerable to the Bank for the activities of credit, CAR is barely perceptible due to the strong capital
treasury, trade finance and sharia banking unit as base of BRI.
part of the Credit Risk Limit. BRI will also formulate
the concentration limit and NPL limit each In order to simplify the management of market
economic sector and business segment. risk and to provide updated information for
management decision, BRI is in the process of
2. Market Risk Management developing an application for upgraded treasury
Market Risk is a risk that may arise as a result of risk and market risk systems.
adverse movements in market variables that could
affect the portfolio held by BRI. Market variables 3. Operational Risk management
consist of interest rate and currency-exchange Operational risk arises from inadequate or failure
rate. of internal processes, people and systems or from
external events affecting BRI operations. These
The scope of market risk management includes risks should be identified, assessed, measured and
treasury activities, investment in marketable mitigated by every personnel of BRI.
securities and the money markets, investment in
other financial institutions, financing activities for BRI continuously undertakes development and
lending or such other purposes, financial raising enhancement in the quality of operational risk
activities and the issuance of debt notes, and the management in order to integrate the internal
financing activities in trading. This also includes interests of BRI and that of the need to comply
banking activities that are based on the sharia with prevailing laws and regulations.
principles.
98.
The cultivation of a Risk Culture is critical so that implementation of risk management and
every personnel in all operating units of BRI is able the acculturation of risk awareness in the
to identify, measure, control and monitor risks respective Operating Units.
that are associated with their activities, and to be 6. Sort and establish lines of business at BRI that
able to execute these steps accurately in order to are aligned with those that are recommended
mitigate the potential loss effectively. by the Basel II Accord.
7. Undertake software application development
In line with the efforts to implement operational for MRO in order to simplify the implementation
risk management that is suitable for BRI of MRO and to prepare for the calculation of
needs and those of compliance, and in order operational risk weighted capital using the
to lower risk composite in its risk profiles, BRI Advanced Measurement Approach (AMA)
continuously improves the implementation of method.
framework, governance, and other operational 8. Develop policies on Business Continuity
risk management tools, including Incident Management (BCM).
Management to collect information on incidents 9. Undertake the management of each new
in daily operations. In addition to that, BRI also product or activity.
optimises the Risk Management Forum and Risk
Management Function in each Operating Unit and In the case of managing reputational risk,
risk management group at the Regional Office. compliance risk, legal risk, and strategic risk, BRI
has implemented the followings:
1. Implement Risk and Control Self Assessment 1. Appoint the Corporate Secretariat Division as
(RCSA) in all Operating Units. The RCSA coordinator for managing reputational risk at
represents tools that are used to estimate risks the corporate level.
and carried out quarterly. 2. Appoint the Compliance Division as
2. Implement the Key Risk Indicator (KRI) in every coordinator for managing compliance risk at
risk owner in order to monitor the indicators of the corporate level.
risks from time to time. 3. Appoint the Strategic Planning Division as
3. Prepare for the implementation of Incident coordinator for managing strategic risk at the
Management (IM) that constitutes a tool corporate level.
to record, manage and maintain data on 4. Appoint the Legal Division as coordinator for
incidents that occurs in every Operating Unit of managing legal risk at the corporate level.
the Bank.
4. Organise the Risk Management Forum (RMF) III. Business Continuity Management (BCM)
as a medium or meeting forum between heads
of Operating Units and their subordinates to In order to assure the business continuity, both in
discuss issues on risks that are attached to normal condition and in state of disruption, BRI has
business or operational activities. implemented Business Continuity Management
5. Implement risk management functions on to keep continuity of critical business process,
every business operating unit to manage maintain BRI assets, and provide adequate
and monitor risks. This function rests upon response in state of disruption and disaster.
the official/supervisor in the respective units
who is appointed and is responsible for the
99.
The aim of the Business Continuity Management 2. Guidelines on the development of the BCM that
Policy is to: comprise of:
• Standardise program on business continuity at a. Business Impact Analysis.
BRI. b. Disaster Risk and Threat Assessment.
• Provide a strategic direction for the c. Recovery Strategy.
formulation, implementation, evaluation and d. Procedures on the Recovery Guidelines that
updating of the BCM documentation. comprise of:
• Provide a general reference for the Business i. (Emergency Response Plan)
Continuity Management Maintenance Team ii. (Business Continuity Plan/BCP).
(BCMMT) and the Crisis Management e. Testing
Team (CMT) in preparing their teams to f. Updating and Distribution of Documents
undertake the resumption of key business and g. Monitoring
operational activities in times of emergency
within the allotted period of time. With a sense of pride, BRI takes note of the
• Comply with regulations. fact that a number of audit officials from the
communication forum of the Internal Audit Units of
The BCM policy comprises of: 16 state-owned enterprises that are engaged in the
1. General information on the BCM Coordination field of minerals and natural resources (including
Structure at BRI. PT Pertamina, PT Bukit Asam, PGN, PLN, Elnusa
and others), have chosen to benchmark against
BOARD OF DIRECTORS BRI and are of the opinion that the BCM policies
of BRI constitute the most comprehensive and
Crisis Management encompassing.

Business Continuity
Team (CMT)
Management
(CMT Head Office, BRI has launched the Bank’s Official Guidelines
Maintenance Team
Regional and Branch
(BCMMT) on Emergency Recovery, including the use of
Office)
National Coordinator of
Main Coordinator of CMT banners and flyers to disseminate information on
BCMMT : RM Division at HQ: Service Division the subject. These banners and flyers contain
Roles and Responsibilities: Roles and Responsibilities: tips on how to face up to disasters and have
Undertake the BCM program Undertake the required steps

been presented by the President Director to the
under normal conditions: and measures during crisis/ Compliance Director of BRI in a ceremony marking
- Manage the BCM Program emergency, encompassing:
of BRI - Identification of crisis/
the official kick-off of the BCM program in BRI.
- Internalisation of response emergency
to crisis/emergency and - Identification of the safety
concern for business and security of employees,
continuity customers and other
- Monitoring the stakeholders that are
implementation of the within the Operating Units
BCM program (including of BRI
testing/evaluation) - Recovery of operations
bankwide for each of including coordination with
the key business and related Operating Units
operating activities of the and agencies.
Bank.
Human Resources Management
100.
Number of Personnel (people)
Status 2007 2008
Permanent Employees 36,772 35,580

Employees in Retirement Preparation 995 1071
Contract Workers 13 791
Trainees 261 132
Total BRI Personnel* 38,041 37,574
*) Excluding out-sourced personnel
Personnel Based on Position (people)
Position 2007 2008
Executive Vice President 29 52
Vice President 73 81
Assistant Vice President 322 292
Senior Manager 614 627

Manpower Planning
Manager 476 519
Assistant Manager 3,594 3,428

Human resources management and development Officer 9,766 9,478
planning has been implemented in a timely manner, Assistant 23,167 23,097
with the right amount and quality consistent with Total* 38,041 37,574
BRI’s short and long term business plans. To fulfil this, *) Excluding out-sourced personnel
more emphasis was placed on marketing instead of

non-marketing activities which suited BRI’s unique
characteristic that focuses on the MSME segment. Personnel Based on Education (people)
Educational Level 2007 2008
With respect to business development that followed Master’s Degree 849 880
organisational growth and the establishment of new Bachelor’s Degree 20,114 20,577
Diploma 4 4 4
offices, BRI recruited 851 employees in 2008. To fulfil
Diploma 3 3,991 3,751
BRI’s human resource needs, as many as 20,304
Diploma 2 46 41
people were engaged in non-core business functions
Diploma 1 108 100
through outsourcing.
High School 12,861 12,169
Junior High School 68 52

The numbers of BRI’s employees in detail for 2007 and Total* 38,041 37,574
2008 are as follows: *) Excluding out-sourced personnel
101.
Employee Development and Growth 1. Training for newly recruited employees

Along with BRI’s business growth and expansion
To face future challenges and business competition, during 2008 which relied on network development,
BRI’s employees are directed to become human capital there had been a lot of recruitment and training to
with the ability to learn, desire change, be innovative support BRI’s growing activities. The education
and provide creative thrust. BRI’s efforts to improve activities for employees conducted during 2008 are
the quality of its human resources are to routinely as follows:
conduct training and development activities through the - Cadre education for the development of
movement of its employees (rotation and promotion), BRI leaders through the Staff Development
as well as education and training both at home and Program (PPS), which was attended by 139
abroad. participants;
- Training for Customer Service and Assistant
In line with this, BRI prepared, refined and implemented Loan Officers for KUR involving 1,789
certain policies in 2008, such as: participants, conducted in six Regional
- HRM Blueprint Learning Centres located in Padang, Jakarta,
As a guide so that all human resources Bandung, Yogyakarta, Surabaya and
management competency based activities are Makassar;
implemented in an effective, objective, fair and - Training of Front Liners for 7,827 participants,
transparent manner. carried out in order to support BRI’s service
- Employees (personnel grading) improvement program;
Implementation of personnel grading for employees - Training of Associate Account Officers (AAO)
is intended to realize the principles of job matching for 993 participants to provide knowledge
between the suitability of job requirements and about basic credit for account officer
employees’ qualification. candidates.
- Normal Distribution in Employee Performance
Ratings 2. Job Promotion Training
Aimed at increasing objectivity in employee Training for job promotion is conducted with
assessment in line with work performance so as to the aim of providing skills and knowledge for
create a competitive work environment. employees who have the potential for promotion
and/or have recently been promoted. During 2008,
Education and Training these trainings were conducted for:
• 36 staff were sent to study at various
BRI provided training and development programs that universities in the United States (top 50) and
are adjusted to the needs of the Bank. During 2008, Australia (top 8) for their Master’s degree.
BRI’s education and training expenditure amounted • In-house educational development included:
to Rp168.60 billion, an increase of 26.11% from - Training of Senior Supervisor Development
Rp133.69 billion in 2007. Organized training programs Program (SSDP), attended by 869
and employee development consisted of: participants,
- Training of Assistant Manager Development
Program (AMDP), attended by 101
participants.
102.
• Supplementary training for employees To reward work achievements, and in consideration

promoted to the position of Marketing of differences in regional living costs, BRI provides
Manager, Operations Manager and basic wage increases and makes revisions on the
Sub-branch Manager, attended by 158 zonal divisions and tariff benefits according to the
participants. respective regional living cost. In 2008, basic wage
increases were implemented with due attention given
3. Application Training to the performance of each employee, while the revised
The application training provides skills and zonal tariff and allowances for each region was done
knowledge needed by employees to support their to create more equitable zonal divisions which were
work in their current positions. This training is representative of the cost of living in BRI offices in
carried out either in-house or through attending provinces across Indonesia.
public courses, in and out of the country. In 2008,
the in-house application training was attended Additionally, in order to reward employees on the
by 9,242 participants, covering different types of basis of BRI’s work culture and to spur better work
training which corresponded with the appropriate performances, BRI also provides financial and non-
needs of users. financial rewards.
4. Development of e-Learning Industrial Relations and Work Culture

During 2008, preparations were made for pilot
modules for the early development of e-learning. Besides the giving of rewards, BRI also employed
The modules include learning how to use policies on punishments that are both consistent and
spreadsheet for the calculation of credit needs; just to employees who had been proven to have made
as well as knowledge on Know Your Customer disciplinary violations in order to create a healthy and a
and risk management. Another area which had sense-of-fairness in the working environment.
been implemented is the working cooperation with
external providers in order to provide a Learning Related to this, each BRI employee needs to act
Management System for the development of an appropriately both in a personal and professional
e-learning infrastructure. capacity in carrying out their duties. At the same
time, work culture continues to be developed and
Employee Welfare implemented through the Performance Improvement
Program that must be carried out at least once a
In appreciation towards its human resources, BRI year in each office and to make the Code of Ethics
continued to fine tune the remuneration system in order a standard behavioural guide. At the end of 2008,
for it to be more fair, equitable, competitive, easily Revitalization Work Culture activities were carried out
administered, and in accordance with the needs and by BRI’s Change Agents across Indonesia to establish
capabilities of the Bank. To maintain the level of wages a commitment to improve the quality of customer
at a competitive level, BRI regularly follows the wage service to both internal and external customers.
survey conducted by independent consultants.
103.
The Company also continuously maintained good In developing a code of ethics, BRI applies the
communications with the Labour Union who are principles of Good Corporate Governance, namely:
strategic partners in developing the Company’s future. • Transparency
• Accountability
Pursuant to the regulations as stipulated in Labour • Responsibility
Act No. 13 of 2003, the Collective Labour Agreement • Independence
(PKB) was made in 2007 between BRI and its labour • Fairness
union to be used as a manpower relations agreement
for the period of 2007 - 2009. Article 11 paragraph Elements incorporated in BRI’s code of ethics include:
1 mentions that BRI gives equal opportunity and • Compliance with legal and banking policy
treatment in terms of the career development of its • Relationships with external customers
full-time employees in accordance to the requirements • Relationships with local communities
of the post, competencies and needs of the Bank. The • Relationships between management and bank
aforementioned Collective Labour Agreement has been employees
delivered to all employees at all levels. • Policy in advertising/promotion
• Obligation to keep bank secrecy
BRI’s Code of Ethics • Integrity and accuracy of bank bookkeeping
• Transactions with customers and suppliers
Running a business with a code of ethics of a high • Policy in the case of conflict of interest
standard is imperative to maintain and enhance the • Prohibition to receive or offer bribes
reputation and business of the Bank in the long term. • Policy on political contribution and activity
Recognizing the importance of this, BRI has since 2003 • Policy on gifts and entertainments
established a code of ethics that applies to all levels of
the BRI organization.
This code of ethics describes the basic principles of

personal and professional behaviour expected of every
individual in BRI in performing their duties. Applying the
code of ethics in BRI creates a work environment that
is open and honest, maintains good relations with all
stakeholders for the long-term successful achievement
of BRI. Implementation of the code of ethics is also
a part of good risk management and builds a good
reputation for BRI.
Information Technology
104.
As a banking organization with many offices spread In 2008, BRI’s Information Technology achievements
widely across Indonesia, BRI has made information were as follows:
technology an important factor which is greatly needed
to create the integration and optimal utilization of the Development of Core Banking System (CBS)
Bank’s network. BRINETS
Throughout 2008, Operating Units that implemented
In accordance with BRI’s vision for Information the online BRINETS application were: 1,296 Unit
Technology to drive the creation and development Offices, 18 Branch Offices, 82 Sub-Branch Offices, 86
of a technological environment which is efficient, Cash Offices and 3 Operating Units at the Head Office.
reliable and integrated within BRI’s business activities, With this implementation, BRINETS was installed in a
the mission of Information Technology is to provide total of 3,879 BRI Operating Units in order to enlarge
the optimal information system that supports BRI’s BRI’s network that can provide services in “real time,
business operations, increases shareholder value, on-line” environment.
and provides technology services on the basis of
competitive Service Level Agreement (SLA). It also
encourages and supports productivity and efficiency,
while minimizing operational risks, and providing a safe
and secured technological environment.
105.
Development of Management Information System application and infrastructure were carried out
(MIS) periodically so that BRI’s business activity can still run
Development of MIS was conducted to improve the when there is damage or disruption to the Information
accuracy of the data, the timeliness in the provision Technology infrastructure. BRI has prepared a Disaster
of data, as well as to integrate data and information in Recovery Centre (DRC) in a different location from the
relation to business needs. Data Centre to be used as a back-up facility when the
Data Centre encounters problems.
Development of Electronic Banking
To serve customers 24 hours a day, 7 days a week, Availability of Communications Network
BRI needs to improve and develop electronic banking Along with the development of BRI’s network and
features continuously. Electronic channel makes it easy operations in Indonesia, which grew rapidly and
for customers to obtain information, communicate and the increase in on-line Operating Units, BRI must
conduct banking transactions through ATMs, phone maintain the availability of its communications network
banking facilities, electronic funds transfer, mobile supported by continuous supervision of the Enterprise
phones and EDCs. Monitoring System and using redundant and different
communication media such as satellite, terrestrial and
Cooperation wireless systems.
Information technology also supports BRI’s cooperation
process with several institutions such as Bulog (host- Systems Security and Security Awareness
to-host payment with Bulog’s third parties), PUSRI BRI’s technology infrastructure is evaluated and
(host-to-host purchase of fertilizer), Pertamina (new audited on a regular basis with the aim of mitigating
host-to-host fuel purchases), UNPAD (host-to-host weaknesses and fragility risks to the Information
payment of university tuition fees) and Taspen (pension Technology infrastructure. After the system’s fragility
payments using fingerprint identification). was identified, appropriate corrective actions were
taken in accordance with Vulnerability Management
Business Continuity Plan and Disaster Recovery standard procedures. BRI is also preparing for
Plan certification of Operational Information Technology
To maintain customers’ trust and mitigate operational Security, to comply with ISO Standards (ISO 27001
risk when failure occurs to the system’s infrastructure 2005) which is recognized internationally. To improve
and information technology applications, BRI had the Information Technology Security Awareness, BRI
prepared a Business Continuity Plan and Disaster has implemented the Security Awareness program to
Recovery Plan that are part of the Company’s Business all of BRI’s employees.
Continuity Management. Pilot tests for the systems
Network and Services
106.
Tough competition in the financial industry made banks • 337 Sub-Branch Offices
more aggressive in adding to their branch-office and • 3 Overseas Offices
e-channel networks. Until the end of 2008, BRI has • 179 Cash Offices
the largest operational bank network compared with • 4,417 BRI Units (Micro Outlets)
other banks in Indonesia. With its vision to become the • 76 Service Posts
largest National Payment Gateway bank in Indonesia, • 27 Sharia Branch Offices
BRI must pursue the strategy of network expansion • 18 Sharia Sub-Branch Offices
aggressively in order to prevent a loss in market
share. Supported by the development of information As of December 2008, 3,879 BRI Operating Units have
technology, BRI will maintain dominance in network been connected on-line. Those Operating Units cover
services in both urban and rural areas. the entire divisions in the Head Office, Regional Offices,
Regional Audit Offices, Branch Offices, Sub-Branch
BRI currently has more than 5,400 Operating Units Offices, 2,987 BRI Units, Sharia Branch Offices, Sharia
which are spread across the archipelago, both in urban Sub-Branches, and Learning Centres. BRI plans to
and in rural areas. Networks and operations consist of: bring all of its remaining Operating Units into the real-
• 1 Head Office time on-line system in the near future.
• 14 Regional Offices
• 12 Regional Audit Offices
• 1 Special Branch Office
• 372 Branch Offices
107.
To support the performance of the network, BRI 2. Creating support synergy for internal support and
carried out several strategic programs such as the other service providers through the Service Level
standardization of the display of office buildings and Agreement (SLA) mechanism.
ATM booths to improve both the corporate image
of BRI and the quality of ATM services. While for Some service activities have been conducted in an
maximising the performance of Operating Units, BRI attempt to improve the quality of
has carried out network classification for Branch Offices BRI’s service, for both external and internal customers
and Sub-Branch Offices and performance evaluation (BRI business units), including among others:
for Regional Offices, Branch Offices and Sub-Branch
Offices based on the balanced scorecard system that 1. Preparation and development of new policies
has been running regularly and consistently. and procedures in the form of a new Standard
Operating Procedures (SOP) to support business
For 2009, BRI’s strategy remains to continue to add and operational continuity and support the creation
outlets in selected and intended potential areas. In the of improved quality service in every operational
implementation of information technology functions, Operating Unit;
BRI will add on-line outlets, electronic banking
technology using Biometrics (Finger Print) and EDC 2. Preparation of various quality improvement
(Electronic Data Capture) in order to optimise the programs to upgrade BRI’s service that aims to
function of delivery channels and improve Fee Based achieve “Customer Satisfaction in All Segment.”
Income. While for e-channel deliveries, the strategic The upgrade of the quality improvement process is
expansion of the e-channel network will be carried done to improve the queue system, simplification
out on a relatively large scale. In addition, to optimise of front liner work process, handling customer
performance and efficiency of Operating Units, BRI will complaints, and the One Stop Service on Customer
reexamine every Branch Office for its organisational Service to expedite the account opening process;
structure suitability with business needs as well as
determine parameters for upgrade and downgrade 3. Execution of the development of integrated and
Operating Units status in respect to their respective accurate monitoring tools for the e-Banking and
cost and benefits. Complaint Management System in order to realize
BRI’s e-Banking service quality;
Service
BRI has a special Operating Unit responsible for 4. Improvement in the quality of service to internal
preparing the development of operational and quality customers (all BRI Operating Units in Indonesia),
services policy, manage service disruption system, BRI carried out monitoring of the development
customer data quality and e-Banking services to and completion of the quality customer database.
achieve accurate, valid, and timely service excellence This database can be used as a medium for cross
in accordance with current goals and conditions to selling in the future and provide solutions to the
support business growth. Service mission that must be problems that are reported by all Operating Units in
implemented to achieve this includes: Indonesia in accordance with the SLA.
1. Developing service management to build

BRI’s image that always prioritise on customer
satisfaction and provide service excellence, and
Corporate Social Responsibility
108.
BRI seeks to maintain the long-term sustainability Tanumihardja & Partners with the opinion of “fairly in all
of its business activities through the Company’s material respect” in accordance with Report No. 19/
corporate social responsibility (CSR) program in the GA/HDT-DH.HT/PKBL-BRI/IV/2009 on 7 April 2009.
economic, social, and environmental fields while taking
into consideration the needs of both BRI and the Partnership Program
community as well as without harming the interests The Partnership Program is a program to improve
of shareholders. BRI believes that CSR activities are the ability of small business to become strong and
not only voluntary, but reflects all of the Company’s independent through the utilization of funds derived
business activities. Companies that are responsible from the Company’s profits. Partnership loans are
should provide significant contributions towards the targeted at existing small businesses that are already
welfare of the community in the vicinity of where feasible but do not qualify for BRI’s commercial loans
it operates. BRI has developed a number of CSR as they are still non-bankable.
programs to help improve the community’s quality of
life and develop economic self-reliance through the BRI carries out the Partnership Program of “BRI
Partnership and Community Development Program Cares for Small Businesses” in the form of financial
(PKBL). assistance and guidance to increase the productivity
of its guided partners classified as small businesses,
In 2008, BRI’s PKBL financial statements were audited including cooperatives, the fishery sector, trade,
by the Public Accounting Firm of Herman Dody industry, services, agriculture and others, in BRI’s work
109.
regions throughout Indonesia. “BRI Cares for Small

Businesses” activities that have been conducted, were
in the form of entrepreneurial training and product
marketing assistance for guided partners which
included exhibitions in the country and the provision
of partnership loans with affordable terms. The aim
of granting partnership loans to Small Business is to
provide easier access to capital for owners of micro
and small businesses that aren’t as yet bankable but
are expected to improve capabilities and productivity.
Guided partners can later become embryos of
commercial customers who are served by BRI’s
commercial loan scheme.
During 2008 the Company provided Partnership

Program funds to the tune of Rp63.94 billion, of which
Rp61.64 billion were in the form of Partnership Loans.
Distribution of Partnership Funds in 2008

(in Rp billion)
Sector
Region Total %
Fisheries/Animal Agriculture/ Cooperatives Grants
Trade Industry Services
Husbandry Plantation & Others & Aid
Sumatra 1.79 10.25 1.39 2.73 1.51 1.77 0.32 19.75 30.89
Jakarta 0.05 3.90 0.18 0.73 0.37 0.08 1.31 6.61 10.34
West Java 0.29 3.05 0.62 0.57 0.35 0.29 0.19 5.37 8.39
Central Java 0.12 2.92 0.45 0.60 0.21 0.13 0.19 4.63 7.23
East Java 1.11 1.68 0.45 1.00 0.32 0.20 0.13 4.90 7.67
Kalimantan 0.32 1.38 0.48 0.37 0.09 0 0 2.64 4.13
East Indonesia 2.94 10.58 1.39 3.58 0.88 0.51 0.16 20.04 31.34
Total 6.62 33.76 4.96 9.58 3.73 2.98 2.30 63.94 100.00
110.
Realization of Partnership Program in 2008 BRI Cares for Natural Disaster Victims
BRI has provided assistance of Rp0.96 billion for
Sectors Number of Partners % victims of natural disasters that occurred in several
Fisheries/Animal Husbandry 271 9.64 areas, including: assistance for victims of the Cianjur
Trade 1,568 55.78
Industry 224 7.97
landslide, floods in most parts of the islands of Java
Services 405 14.41 and Sulawesi, and the earthquake in Dompu. In
Agriculture/Plantation 122 4.34
addition, BRI also provided relief aids for victims of
Cooperatives/Others 59 2.10
Grants and Aid 162 5.76 the tidal waves and strong winds in Kalabahi, and
Total 2,811 100.00 the earthquake Manokwari, and bush fires in South
Kalimantan.
Community Development Program BRI Cares for Places of Worship

The scope of BRI’s Community Development Program Rp2.84 billion of assistance was distributed for the
includes field support for natural disaster victims, construction or renovation of places of worship and
assistance for places of worship, health assistance, devotee facilities.
education and training assistance, and support for
the development of public infrastructure and facilities BRI Cares for Education
to help conserve nature via the BRI Cares Program. Distribution of BRI Cares for Education in 2008
In 2008, Rp35.62 billion was channelled to the amounted to Rp18.39 billion, which included
Community Development Program. scholarship assistance to students and undergraduates
from poor families, the building of classrooms in
public schools and Islamic religious schools, library
assistance, uniforms and school supplies, and the
mission of supporting the arts as well as training
assistance to the community.
BRI Cares for Health

BRI has provided Rp7.96 billion in aid to enhance
public health. Assistance given includes: basic food
aid package for low-income communities, free health
service/treatment, help for operations, support the cost
of patient care in 30 public hospitals, public clinics in
Indonesia’s border areas and immunization assistance
and Posyandu (Community Health Centre).
111.
BRI Cares for Public Facilities

Rp4.67 billion of aid was disbursed to repair irrigation
systems and channels, erection of bus stops, support
the development of traditional markets, public gardens,
orphanage homes renovation, making wells and
water pumps, purchase of hearse, construction and
installation of bio-gas, clean water collection centres
and renovation of public buildings.
BRI Cares for Nature Conservation

Rp0.80 billion was distributed in the form of tree
planting in critical land areas.
In the upcoming years, more Partnership and

Community Development Program will be undertaken
by BRI, among others, to support the development of
prima donna products from local areas and provide
priority social assistance for the improvement of
education and public health.
Sharing Delightful Experiences with Customers
112.
In the efforts to realise the vision of BRI to be a leading commercial bank that always prioritises customer satisfaction,
BRI emphasises on providing services that induce a delightful experience on the part of every customer. The initiatives
begin at the banking halls of BRI’s main branch offices of BRI, where customers enjoy a relaxed and pleasant
atmosphere in their every day banking transactions, and which are currently being applied consistently across BRI’s
vast service platforms and units throughout the country.
113.
Profile of the Board of
Commissioners
114.
Bunasor Sanim
President Commissioner/Independent Commissioner
Born in Brebes on 16 December 1945. Appointed President

Commissioner of BRI since 30 May 2006, and Independent
Commissioner of BRI since 17 May 2005, having served previously
as the Chairman of the Audit Committee of BRI (2005-2006).
Presently he is Lecturer and Dean of the Faculty of Economics and
Management of the Bogor Agricultural University (IPB). He is active
in several professions including as Chairman of the Association
of Economics Graduates of Bogor Raya; and a member of the
Advisory Board of the International Centre for Analysis of Finance and
Economic (Inter CAFE), the Advisory Board of the Indonesia Economic
Intelligence, the Advisor Team for the IPB Mutual Fund Investment,
and the Senior Scientist Partnership, a cooperation between IPB
and University of Göttingen, Germany. He graduated with a degree
in Agriculture Social Economics in 1975 and a Master’s degree in
Agricultural Economics in 1983, both from IPB, and a Doctorate
degree in Resources Economics from the University of the Philippines
at Los Banos in 1986.
Agus Pakpahan
Commissioner
Born in Sumedang on 29 January 1956. Appointed

Commissioner of BRI since 30 May 2006. Presently
he is Deputy of the Agro Industry Business Sector,
Forestry, Paper, Printing and Publication of the Ministry
of State Enterprises; Head of the Executive Board of
the Collective Plantation Farmers Association, and
as Lecturer of Research Methodology at the Post
Graduate Program of the Bogor Agricultural University
(IPB). He has previously served as General Director of
Production Management, Department of Agriculture,
and President Commissioner of PT Perkebunan
Nusantara (Persero) XIV (1999-2003). He graduated
with a degree in Forestry in 1978 and a Master’s degree
in Agricultural Economics in 1981, both from IPB, and
a Doctorate degree in Agricultural Economics from
Michigan State University, USA, in 1988.
115.
Agus Suprijanto
Commissioner
Born in Yogyakarta on 14 August 1953. Appointed

Commissioner of BRI since 22 May 2007. He is
currently an Advisor for the Ministry of Finance,
having previously served as Head of Central Analysis
and Policy Harmonisation, the Ministry of Finance.
He graduated with a degree in Law from Udayana
University, Denpasar, in 1985, a Master of Arts degree
in International Economics in 1991, and a Doctorate
degree in Econometrics in 1995, both from the
University of Colorado, Boulder, USA.
Saifullah Yusuf
Commissioner
Born in Pasuruan on 28 August 1964. Appointed

Commissioner since 5 September 2007. Presently
he is the Chairman of the Anshor Youth Movement
Centre, having previously served as the State Minister
of Remote Area Development, in the United Cabinet
of Indonesia (2004-2007). Prior to that, he served
as a Member of the House of Representatives of RI
(1999-2004). He graduated with a degree in Social and
Political Science from National University, Jakarta, in
2003.
116.
B. S. Kusmuljono
Born in Bogor on 24 June 1943. Appointed

Independent Commissioner of BRI since 17 May
2005. Presently he is Chairman of the Micro Finance
Empowerment Committee of Indonesia; President
Commissioner of PT Syarikat Takaful Indonesia;
Chairman of PT Tatamasa Group/Microfin; Chairman
of the Centre for Policy Reform of Indonesia; and
Chairman of the Wali Amanah Assembly Committee,
Bogor Agricultural University (IPB). He is also Lecturer
at the Bandung Institute of Technology (ITB). Previously,
he was President Director of PT (Persero) Permodalan
Nasional Madani. He graduated with a degree in
Chemical Engineering from ITB, Bandung, in 1970, an
MBA degree from the University of Southern California,
USA, in 1974, and a Doctorate degree in Environment
and Natural Resources Management from IPB, Bogor,
in 2007.
Baridjussalam Hadi
Born in Yogyakarta on 7 January 1948. Appointed

Independent Commissioner of BRI since 30 May
2006. He is currently Chairman of the Indonesian
Banking Development Foundation, having been a
career official with Bank Indonesia since 1979, serving
in various positions with the latest as an Advisor for
Sharia Banking attached to the Board of Governors.
He graduated with a degree in Economics from the
Jenderal Sudirman University, Purwokerto, in 1976
and a Master of Arts degree from Vanderbilt University,
USA, in 1984. He also attended the Leadership School
of Bank Indonesia in 1994.
117.
Aviliani
Born in Malang on 14 December 1961. Appointed

Independent Commissioner of BRI since 17 May 2005,
having previously served as the Director of INDEF (Institute
for Development of Economics and Finance). She is an
active researcher and writer of several books on economic
reviews. She in presently Chairperson of ISICOM (the
Indonesian Society of Independent Commissioners); a
member of the Executive Board of ISEI (the Indonesian
Association of Economics Graduates) Jakarta chapter; a
member of the Sharia Ecomomic Expert Community Board;
co-founder of the Centre for Policy Reform of Indonesia;
advisor to the Global Association of Risk Professional
(GARP)-Indonesia; and member of the Indonesian
Provincial Government Association Board (APPSI). She
graduated with a degree in Economics from the Atmajaya
University, Jakarta, in 1985, an MBA degree from the
University of Indonesia, Jakarta, in 1995, and is currently
reading for her Doctorate degree in Business Management
at the Bogor Agricultural University.
Profile of
the Board of Directors
118.
Sofyan Basir
President Director
Born in Bogor on 2 May 1958. Appointed President Director of

BRI since 17 May 2005, having previously served as the President
Director of Bank Bukopin. He began his banking career with Bank
Duta in 1981, and moved to Bank Bukopin in 1986, where he
held several managerial positions including as Manager of several
branch offices of Bank Bukopin and as Commercial Director,
prior to his appointment as President Director of Bank Bukopin.
He graduated with a degree in Accountancy from STAK Trisakti,
Jakarta, in 1980.
He attended several training courses and seminars on banking

and management, including Bank Indonesia’s Executive Risk
Management Certification (Denpasar); Islamic Finance Forum
(Switzerland); Seminar on Business Continuity Planning, by Ernst
& Young; SESPIBANK (Jakarta); Strategy Development Session,
IBM; and Structuring Loans & Short Term, the Institute of Banking
& Finance.
Sarwono Sudarto
Director
Born in Sragen on 21 March 1952. Appointed Director

of BRI since 30 May 2006. He has been with BRI since
1976, serving in various positions including Manager
of BRI Finance Limited Hong Kong, Branch Manager,
Head of Retail Business Division, Head of Internal Audit
Division, Head of Strategic Planning Division, and Head
of Treasury Division BRI. He graduated with a degree in
Economics from Diponegoro University, Semarang, in
1975 and an MBA degree from Tulane University, USA, in
1987.
He attended several training courses and seminars on

banking including Capital Market (Tokyo); Bank Indonesia’s
Executive Risk Management Certification – BSMR
(Singapore); The National Defence College (LEMHANAS
RI), SESPIBANK (Jakarta); Credit Manager; Organization
Management. He represented BRI in several conferences
in London, Hong Kong and Singapore.
119.
Abdul Salam
Director
Born in Kudus on 28 August 1948. Appointed Director of BRI

since 30 May 2006, having previously served as Director and
President Director of PT PNM (Persero). Formerly a career official
with Bank Indonesia, he served in various positions including as an
Advisor attached to the Board of Governors, Director of the BPR
(Rural Credit Bank) Supervisory Directorate, Director of the Credit
Directorate, and Head of the Bank Indonesia Office in Bandung.
He graduated with a degree in Economics from the Diponegoro
University, Semarang, in 1974, and Master in Management from
IPPM, Jakarta, in 1996, and a Doctorate degree from the Post
Graduate School of Gajah Mada University, Yogyakarta, in 2007.
He attended various training courses and seminars including Bank

Indonesia’s Executive Risk Management Certification – BSMR
(Denpasar); Micro Credit Summit (New York); the National Defence
College (LEMHANAS RI); Pollution Abatement Equipment Project
(Washington); Financial Information System (Sydney); Project
Management for Leading Position (Germany); SESPIBI (Jakarta).
Sudaryanto Sudargo
Director
Born in Semarang on 12 May 1952. Appointed Director of BRI since

30 May 2006. He has been with BRI since 1978 and has served
in several managerial positions including as Head of Corporate
Division, Head of Human Resources Management Division,
Regional Manager of BRI Bandung, and prior to his appointment to
Directorship, as Head of Agribusiness Division. He graduated with a
degree in Agriculture from the Bogor Agricultural University in 1977,
and an MBA degree from Adelphi University, USA, in 1987.
He attended various training courses and seminars on banking

including the International Conference on Future of the Palm Oil
Business (Thailand); Bank Indonesia’s Executive Risk Management
Certification – BSMR (Hong Kong & Singapore); Master Card
Executive Forum (Macao); 2nd Annual World Renewable Energy
Summit (Malaysia); Asia Pacific Region Micro Credit Summit
(Bangladesh); SESPIBANK (Jakarta); Organization Management
Temasek (Jakarta & Yogyakarta); Professional Banker’s Program,
Citibank (Jakarta); Loan Syndication Course with Citicorp (Hong
Kong).
120.
Sulaiman Arif Arianto

Director
Born in Boyolali on 2 August 1958. Appointed Director of BRI

since 30 May 2006. He began his banking career with BRI in
1983 and has since served in various positions including as Head
of Agribusiness Division, Head of General Business Division, and
Regional Manager of BRI Denpasar and BRI Jakarta. He graduated
with a degree in Animal Husbandry from the Bogor Agricultural
University in 1981, and an MBA degree from the University of New
Orleans, USA, in 1991.
He represented BRI in several organizations such as APRACA,

the UN Advisor for Inclusive Financial System and Micro Finance
Networks. He was guest speaker in several international seminars
on MSME, including Asian Banking Forum (Jakarta); APEC SME
Working Group (Denpasar); Financial Technology Conference
(Singapore); Micro-finance Sustainability, APRACA, (Kunming); APO
Forum; Micro Banking & Risk Management Workshop (Beijing);
Asia Pacific Regional Micro-credit Summit (Bali).
A. Toni Soetirto
Director
Born in Yogyakarta on 18 August 1958 and graduated from the

Bogor Agricultural University in 1981. Appointed Director of BRI
since 2006. He began his banking career in 1983 with Bank
Duta, and subsequently moved to Bank Bukopin where he
served in various managerial positions including Group Head of
Credit & Marketing for Financial Institutions, Syndication Team
Leader, Director of Risk Management and Compliance and last
as Commercial Director.
He attended various courses and seminars on banking

including: The Branch of The Future (Barcelona); Self Service
Banking (Barcelona); Structured Trade and Export Finance
(Singapore); The Strategic Board (Australia); Comparative’s
Study for Trade Financing and Risk Management (Germany);
Corporate Funding Strategies (Kuala Lumpur); Compliance
Director Workshop; Securities Lending (Singapore), and
Advanced Core Credit (Singapore).
121.
Lenny Sugihat
Director
Born in Bogor on 26 March 1956. Appointed Director of BRI since

30 May 2006. She has been with BRI since 1981, working her
way up through various assignments including a Head of Strategic
Planning Division, Head of Agribusiness Division and last served
as Head of Loans Restructuring and Recovery Division prior to her
appointment as Director. She graduated with a degree in Fisheries
from the Bogor Agricultural University in 1979, and earned an MBA
degree from the University of Houston, Texas, USA, in 1993.
She attended various courses and seminars on banking

including: Bank Indonesia’s Risk Management Certification –
BSMR (Denpasar); The World Bank Conference on the ”Role of
State-Owned Banks” (USA); Strategic Management in Banking
Programme (France); SESPIBANK (Jakarta); Problem Loan and
Loan Syndication Training (Sydney); Advanced Management
Program for Overseas Bankers (USA); and Credit Risk Management,
BRI – Citibank.
Bambang Soepeno
Director
Born ini Surakarta on 23 November 1952. Appointed as

Director of BRI since 30 May 2006. He has been with
BRI since 1980 and served in various positions including
Inspector of BRI Medan, Head of International Division,
Director of Pension Fund and last served as Head of Internal
Audit of BRI Head Office. He graduated with a degree in
Animal Husbandry from Diponegoro University, Semarang,
in 1979, and an MBA degree from St. Louis University, USA,
in 1991.
He attended various courses and seminars on banking

and corporate governance including Bank Indonesia’s
Risk Management Certification – BSMR (Singapore); The
IIA International Conference (USA); Prevention of Banking
Crime (Jakarta); Good Corporate Governance (Jakarta);
International Bankers Seminar (USA); Risk Management,
(ASEAN); SESPIBANK (Jakarta); Auditing Capital Market and
International Trade Finance (Hong Kong).
122.
Asmawi Syam
Director
Born in Ujung Pandang on 16 August 1955. Appointed Director of

BRI since 5 September 2007. He has been with BRI since 1980,
attaining various leadership positions including Regional Manager
of BRI Denpasar, Regional Manager of BRI Bandung, Head of
Consumer Banking Division, and Head of General Business Division.
He graduated with a degree in Economics from Hasanuddin
University, Ujung Pandang, in 1979, and a Master in Management
degree from Padjadjaran University, Bandung, in 2003.
He attended various training courses and seminars including

SESPIBANK (Jakarta); World Congress on IT Information (Adelaide);
Asset & Liability Management, Credit Risk Management &
International Banking (Brussels); Strategic Leadership (Bangkok);
Card and Payment, EFMA (Paris); SOE Restructuring & Performance
Enhancement (Jakarta); and Public Private Partnership (Sydney).
Suprajarto
Director
Born in Yogyakarta on 28 August 1956. Appointed as Director

of BRI since 5 September 2007. He has been with BRI since
1983, serving in various managerial positions including as
Branch Manager, Deputy Manager of Regional Office BRI
Jakarta, Head of Corporate Secretariat Division, and Regional
Manager of BRI Jakarta I. He graduated with a degree
in Economics from Universitas Pembangunan Nasional,
Yogyakarta, in 1982, and a Master in Management degree
from Padjadjaran University, Bandung, in 2001.
He attended various training courses and seminars including

The Branch of the Future (Barcelona); International Trade BRI
Hong Kong & BRI New York Agency; the Fifth Annual Asia
Pacific Mobile Payments (Bangkok), SESPIBANK (Jakarta),
and Executive Management Development Program (Jakarta).
Senior Managers
123.
Head Office
Slamet Riyadi Ano Kurniadi

Head of Logistics and Fixed Assets Management Head of Credit Administration Division
Division
M. Jarot Eko Winarno
Basuki Setyadjid Head of Human Resources Management Division
Head of Treasury Division
Zulhelfi Abidin
Dwi Hari Sugeng Prijono (alm.)* Head of Information System and Technology Division
Head of Program Business Division
Mohamad Helmi
Hartono Sukiman Head of Credit Card Division
Head of Corporate Secretariat Division
Joice Farida Rosandi
Yusuf Nawawi Head of Consumer Loans Division
Head of Education and Training Division
Luki Presisa Budi Utami
Triyana Head of Services Division
Head of Operations Centre Division
Agus Katon ES.
Irwan Rinaldi Head of General Business Division
Head of Financial & Management Accounting Division
Wasito Pramono
Dede Suherman S. Head of Micro Business Division
Head of International Business Division
Mudjiharno
Dwi Agus Pramudya Head of Legal Division
Head of SOE Business Division
Irianto
Wachju Prijatna Head of Strategic Planning Division
Head of Agribusiness Division
Agoes Roediyanto
Djarot Kusumayakti Head of Micro Business Network Division
Head of Credit Risk Analysis Division
Moch. Hadi Santoso
I Komang Sudiarsa Head of Retail Business Network Division
Head of Institutional Relations Division
Retno Surdini
Susilo Head of Compliance Division
Head of Funds Services Division
A. Firman Taufick
Donsuwan Simatupang Head of Marketing Communications Division
Head of Retail Loans Division
Ali Mudin
Windiartono Head of Internal Audit
Head of Risk Management Division
Heru Sukanto
Head of Loans Restructuring and Recovery Division
*) Passed away on 16 December 2008

124.
Regional Office Special Branch Office
Agus Imam Sudjahri Opi Sofyan Suryadi

Regional Manager of BRI Banda Aceh Head of Special Branch
Albert Radjagukguk
Regional Manager of BRI Medan
Mohammad Irfan
Regional Manager of BRI Padang
Regional Audit Office
Randi Anto Ircham Sjafindra R.

Regional Manager of BRI Palembang Inspector of BRI Medan
Tri Susilo Hadi Susanto

Regional Manager of BRI Jakarta 1 Inspector of BRI Padang
Nandi H. Hamaki Umi Haryati

Regional Manager of BRI Jakarta 2 Inspector of BRI Palembang
Yasirin Ginting S. Yadie Supriatno

Regional Manager of BRI Bandung Inspector ofBRI Jakarta
A.M. Nova Christiana Muchsin Choirul Amien

Regional Manager of BRI Semarang Inspector BRI Bandung
Teddy Rustandi A.R. Sulistianto

Regional Manager of BRI Yogyakarta Inspector of BRI Semarang
Agus Hidayat Tjuk Sugiyono

Regional Manager of BRI Surabaya Inspector of BRI Yogyakta
Hidzuldin Elfani Jimmy E. Elias

Regional Manager of BRI Banjarmasin Inspector of BRI Surabaya
I.B. Putra Arthama Budi Purnomo

Regional Manager of BRI Denpasar Inspector of BRI Banjarmasin
Eko Wahyu Andriastono Putut Broto Sayono

Regional Manager of BRI Manado Inspector of BRI Denpasar
Teten Djaka Triana Rusli Witjahjono

Regional Manager of BRI Makassar Inspector of BRI Manado
Kuwat Waluyo
Inspector of BRI Makassar
Products and Services
125.
Savings Products Consumer Loans

Credit Card
BritAma Housing Loan (KPR)
Demand Deposit Motor Vehicle Loan (KKB)
Time Deposit Multi-Purpose Loan (KMG)
Simpedes
Hajj Savings Medium and Corporate Loans
Working Capital Loan
Export Working Capital Loan
Loan Products Investment Loan
Import Working Capital Loan
Micro Loans Construction Working Capital Loan
Kupedes Import Guarantee Facility
People Business Loan (KUR) - Micro Standby LC
Bank Guarantee
Retail Loans Infrastructure Loan
Working Capital Loan Syndication Loan
Briguna Loan
Investment Loan
Express Loan Banking Services
Construction Loan under OB1 Framework
PPTKI Loan (for Indonesian Migrant Worker Agency) Priority Banking
Franchise Loan Cash Management System
Warehouse Receipt Loan Salary-Based Loan
Petrol Station Loan
BTS Loan Treasury Service
Bank Guarantee Foreign Exchange Transaction
Swap Transaction
Program Loans Forward Transaction
People Business Credit (KUR) Trustee Services
Loan to Members of Primary Coperatives (KKPA) Securities Sales Agency
Loan for the Development of Bio Fuels & Revitalization Custodial Services
of Plantation (KPEN-RP) Financial Institution Pension Funds
Loan to Small Business Group (KKUK)
Loan to Micro and Small Business - Government Notes International Banking
(KUMK – SUP) Export-Import Transaction
Loan for Food and Energy Security (KKPE) International Remittance
Loan for the Economic Empowerment of Coastal Letter of Credit
Communities (PEMP)
Networks
126.
Banda Aceh
Medan
Padang
Banjarmasin
Palembang
Jakarta Semarang
Bandung Surabaya
Yogyakarta Denpasar
Total Networks
No BRI Networks
2007 2008
1. Head Office 1 1
2. Regional Offices 14 14
3. Regional Audit Offices 12 12
4. Special Branch Office 1 1
5. Branch Offices 340 372
6. Overseas Offices 3 3
7. Sub-Branch Offices 230 337
8. Cash Offices 24 179
9. BRI Units (Micro Outlets) 4,300 4,417
10. Service Posts 100 76
11. Sharia Branch Offices 27 27
12. Sharia Sub-Branch Offices 18 18
Total 5,070 5,457
127.
Manado
Makassar
BRI Network and Addresses
128.
Operating Unit (OU) Type of OU Address Area Code Telephone Facimile Telex
BANDA ACEH KW Jl. Cut Meutia No. 17, Banda Aceh 0651 22822 (hunting) 23487, 22352
1. BANDA ACEH KC Jl. Cut Meutia No. 17, Banda Aceh 0651 22900 (hunting), 7410714 31190 54100, 54118
1. Sabang KCP Jl. Perdagangan No. 123, Sabang 0652 22601/4 22603
21146, 21126, 21013, 21230,
2. BIREUN KC Jl. Kol. Husein Yoesof I No. 1-2, Bireun 0644 22040 54166
323126
3. BLANG PIDIE KC Jl. Persada, Desa Keude Siblah, Blang Pidie 0659 91938, 91008, 91266, 91127 91070 54210
4. KUTACANE KC Jl. Iskandar Muda No. 14, Kutacane 0629 21170, 21031, 21399, 21961 21170 54309
Jl. Kute Lintang No. 136, Pasar Centong Bawah,
1. Blangkejeren KCP 0642 21776 21776
Blankejeren Kab. Gayo Lues
21033, 21812, 21342, 21365,
5. LANGSA KC Jl. Darussalam No. 1, Langsa 0641 21364 51829
21535
Jl. Iskandar Muda No. 4-5, Kuala Simpang, Kab. Aceh
1. Kuala Simpang KCP 0641 333365/66 333367
Tamiang
41905/7, 41695, 41478, 43459,
6. LHOKSEUMAWE KC Jl. Merdeka No. 1, Lhokseumawe 0645 40214 51797
41906
1 Lhoksukon KCP Jl. Pangnanggroe No. 4, Lhoksukon Aceh Utara 0645 32224, 32225 32227
7. MEULABOH KC Jl. Gajah Mada No. 70 A-B, Meulaboh 0655 7006217 7006311 54168
21306, 21411, 21912, 22450,
8. SIGLI KC Jl. Prof. A. Madjid Ibrahim 0653 22411 54165
21535
9. TAKENGON KC Jl. Yos Sudarso No.164, Takengon 0643 21294, 21406, 21342, 21117 21119 54109
10. TAPAKTUAN KC Jl. Nyak Adam Kamal No. 42, Tapaktuan 0656 21613, 21038, 21456, 21747 21066 54211
Jl. Iskandar Muda No. 13, Rimo, Kec. Gn. Meria, Kab.
1. Singkil KCP 0658 21237, 21402 21401
Singkil
MEDAN KW Jl. Putri Hijau No. 2 A, Medan 061 4525666, 4528323 4525601
1. BALIGE KC Jl. Sisingamangaraja No. 188, Balige 0632 21159, 21365, 21032 21085 52539
2. BINJAI KC Jl. Sutomo No. 6, Binjai 061 8821503, 8821062, 8823220 8824997 51039
1. Diski KCP Jl. Binjai Medan KM. 13.5, Diski Sei Semayang, Binjai 061 8441781 8441784
2. Stabat KCP Jl. Perniagaan, No. 124-126, Stabat 061 8912690 8912721
3. GUNUNG SITOLI KC Jl. Gomo No. 1-3, Gunung Sitoli 0639 21158, 21560, 21038 22128 51032
4. KABANJAHE KC Jl. Veteran No. 100, Kabanjahe 0628 21158, 20420/21, 21361, 21302 22141 51254
1. Brastagi KCP Jl. Pasar Buah Kel. Tambaklau No. 34, Brastagi 0628 91812 91474
5. KISARAN KC Jl. Dr. Wahidin No. 2, Kisaran 0623 41475/76, 42475/6 43335 51289
6. LUBUK PAKAM KC Jl. Negara No. 100, Lubuk Pakam 061 7952033, 7952089, 7951068 4532170
MEDAN ISKANDAR 4553100, 4555324, 4574766,
7. KC Jl. Iskandar Muda No. 18/173, Medan 061 4513733 52144
MUDA 4555404
1. Asia KCP Jl. Asia No. 148, Asia, Medan 061 7369335 7368683
2. Kapten Muslim KCP Jl. Kapten Muslim, No. 8 F, Medan 061 8442091 8442091
3. Sunggal KCP Jl. Sei Batanghari No. 3, Medan 061 8448002
8. MEDAN P. HIJAU KC Jl. Putri Hijau No. 2, Medan 061 4576555, 4526555, 4532373 4532170 51162, 51584
1. Krakatau KCP Jl. G. Krakatau No. 145-146 A, Medan 061 6612067
2. Pulau Brayan KCP Jl. Yos Sudarso No. 630/134, Medan 061 6614391, 6645656
MEDAN SISINGA 7881111 (hunting), 7880808,
9. KC Jl. Sisingamangaraja No. 241, Medan 061 7868333
MANGARAJA 818384/5
1. Medan Mall KCP Jl. Pusat Pasar No. 10 A, Medan 061 4516474 4573048
2. Aksara KCP Jl. Arief Rahman Hakim No. 118 B, Medan 061 7332316
10. PADANG S
IDEMPUAN KC Jl. Jend. Sudirman No. 36, Padang Sidempuan 0634 21122, 21992, 21905 21905 51995
1. Penyabungan KCP Jl. Wilem Iskandar No. 173, Penyabungan 0636 321054 321054
21447, 21048, 23909, 25076,
11. PEMATANGSIANTAR KC Jl. Merdeka No. 2, Pematang Siantar 0622 23419 51993
29459
Jl. Sisingamangaraja No. 479, Perdagangan, Pematang
1. Perdagangan KCP 0622 96166 96166
Siantar
12. RANTAU PRAPAT KC Jl. Jend. Sudirman No. 1, Rantau Prapat 0624 21441/43, 21029, 24040, 23777 21222 51056
1. Aek Kanopan KCP Jl. Jend. Sudirman, No. 28, Aek Kanopan, Rantauprapat 0624 92319 92319
13. SIBOLGA KC Jl. Brigjend. Katamso No. 3, Sibolga 0631 21592, 21163, 22813 23479 51982
14. SIDIKALANG KC Jl. Sisingamangaraja No. 128, Sidikalang 0627 21854/57, 21086/7, 21782 21782 51093
129.
92065, 92519, 93200, 94001,

15. TANJUNG BALAI KC Jl. Jend. Sudirman No. 3, Tanjung Balai 0623 92446. 51030
92446
21452, 21313, 21445, 20474,
16. TARUTUNG KC Jl. Sisingamangaraja No. 97, Tarutung 0633 21985 51279
21569
17. TEBING TINGGI KC Jl. Dr. Sutomo No. 24 B, Tebing Tinggi 0621 21182, 21850 22024 51034
Pusat Perniagaan & Perumahan Asia Bisnis Centre,
1. Sei Rempah KCP 0621 442086 442087
Jl. Raya Medan KM. 60, Sei Rempah
PADANG KW Jl. Bagindo Azis Chan No. 30, Padang 0751 32204, 31964 s.d. 31970, 32788 31971/74, 25373
56268,
1. BAGANSIAPIAPI KC Jl. Merdeka No. 43, Bagansiapiapi, 28911 0767 21311 21329, 21192, 24011/2 21960
56248
Jl. Jend. Sudirman No. 392 A, Bagan Batu Kab. Rokan
1. Bagan Batu KCP 0765 551897 551901
Hilir, Propinsi Riau
2. BANGKINANG KC Jl. Jend. Sudirman No. 61, Bangkinang 0762 20423, 20042, 20286 21377 56328
Jl. Sudirman No. 38, Ujung Batu, Kel. Ujung Batu, Kec.
1. Ujung Batu KCP 0762 62129/39 62209
Tambun, Kab. Rokan Hulu
71051, 71011, 71380, 73733/4,
3. BATUSANGKAR KC Jl. S. Parman No. 45, Batusangkar 0752 72855 55447
73968
4. BENGKALIS KC Jl. Jend. Sudirman No.18, Bengkalis, 28712 0766 22107, 21087/88 22459 56344
32690, 33317, 21761, 22622, 55298,
5. BUKITTINGGI KC Jl. Jend. A. Yani No. 3, Bukittinggi 0752 34746
627778/9, 34167 55438
Aur Kuning
1. KCP Jl. By Pass Pasar Aur Kuning, Bukittinggi 0752 626007 627580
Bukittinggi
2. Lubuk Basung KCP Jl. Diponegoro Hilir Simpang III, Lubuk Basung 0752 877680/1 877680
6. DUMAI KC Jl. St. Syarif Kasim No. 42, Dumai 0765 33040, 37877, 34777, 35159 35480 55277
7. DURI KC Jl. Jend. Sudirman (depan Ktr Camat Mandau) Duri 0765 94340, 595919, 94340 91160
Jl. Jend. Sudirman No. 48,
8. LUBUK SIKAPING KC 0753 321210, 20436, 20276, 20065 20435 55434
Lubuk Sikaping
Jl. Raya Manggopoh - Simpang Empat, Kabupaten
1. Simpang Empat KCP 0753 65786/7 65785
Pasaman
55226,
9. PADANG KC Jl. Bagindo Aziz Chan No. 30, Padang 0751 30630, 38383 31727
55249
1. Khatib Sulaiman KCP Gd. Kanins Padang, Jl. Khatib Sulaiman No. 50 0751 446308, 445964 446308
10. PADANG PANJANG KC Jl. Jend. Sudirman No. 220, P. Panjang 0752 83257/8/9, 83260/1 83888 55448
11. PAINAN KC Jl. H. Agus Salim No. 30, Painan, Pesisir Selatan 0756 21012, 21212, 21221 21012 55442
12. PARIAMAN KC Jl. Merdeka No. 21, Pariaman 0751 93025/61, 91365, 91465, 93025 91365 55430
92120, 91102, 93934, 92556,
13. PAYAKUMBUH KC Jl. Jend. Sudirman No. 6, Payakumbuh 0752 92145 55439
91987
56214,
14. PEKANBARU KC Jl. Jend. Sudirman No. 316, Pekanbaru 0761 33444, 33643, 31733, 33511 37771
56191
Rukan Akasia, Jl. Akasia 1, Bumi Lago Indah, Blok I/7,
1. Pangkalan Kerinci 0761 95803/4 95083
KCP Komp. PT RAPP, Pangkalan Kerinci
2. Perawang KCP Jl. Raya KM 6 Perawang, Kec Tualang Perawang 0761 91415, 7052744 91044
Jl. Tuanku Tambusai Mo. 8-9,
3. Tuanku Tambusai KCP 0761 64799 64788
Pekanbaru
458788, 458778, 458973,
15. P. BATAM KC Jl. Imam Bonjol Blok. A No. 8-9, Batam 0778 456417
459988
Tanjung Balai
1. KCP Jl. Pramuka No. 40, Tanjung Balai Karimun 0777 327420, 327267 327421
Karimun
2. Batam Centre KCP Jl. Engku Putri No. 3, Batam Centre Batam 0778 462368, 462400 462368
Panbil Mall Kuning
3. KCP Jl. Komp. Pertokoan Panbil Mall B 5 Muka Kuning Batam 0778 371372, 371370 371373
Batam
56349,
16. RENGAT KC Jl. M.T. Haryono No.15, Rengat 0769 21090, 21391/94, 21368, 323500 21368
56314
1. Teluk Kuantan KCP Jl. Dipenogoro No. 7, Teluk Kuantan 0760 20473, 20546 20387
17. SELAT PANJANG KC Jl. Diponegoro No. 50 A, Selat Panjang, 28753 0763 31131/36, 31709 33871 56278
Jl. Prof. M. Yamin No. 25 B,
18. SIJUNJUNG KC 0754 20203, 20160, 20033, 20143 20033 55449
Muaro Sijunjung, 25711
130.
Jl. Raya Lintas Sumatera Simpang IV, Koto Baru, Sijunjung,

1. Koto Baru KCP 0754 71675/76 71670
27581
19. SOLOK KC Jl. Jend. Sudirman No. 1, Solok 0755 21369/70 21360 55441
20. SUNGAI PENUH KC Jl. Jend. Sudirman No. 3, Sungai Penuh, 37111 0748 21917, 323656, 21319/20, 21903 323489 27256
TANJUNG 57140/
21. KC Jl. Teuku Umar No. 29, Tanjung Pinang 0771 27632, 21076/77 21076, 313860
PINANG 41
21128, 21703, 21042, 22286,
22. TEMBILAHAN KC Jl. M. Boya No. 4 A, Tembilahan 0768 21703 56244
21918
PALEMBANG KW Jl. Kapt. A. Rivai No.15, Palembang 0711 313411, 367755 312262
1. ARGA MAKMUR KC Jl. Jend. Sudirman No. 91, Arga Makmur 0737 521007, 521029 521038 27248
1. Muko-muko KCP Kel. Muko-muko, Kab. Muko-muko 0737 71618 71619
2. BANDAR JAYA KC Jl. Proklamator Raya No. 1, Bandar Jaya, Lampung Tengah 0725 25354/6/7, 24354 25660 26377
3. BANGKO KC Jl. Bangko Rendah No. 3, Bangko 0746 21005/8, 322376 21007 27565
1. Sarolangun KCP Jl. Lintas Sumatera, Pasar Atas Sarolangun 0745 91909 91904
320273, 321044, 322145,
4. BATURAJA KC Jl. Akmal No. 116, Baturaja 0735 322150 27546
320007, 322035, 323914/5
Jl. A.K. Gani, Desa Gumawang, Kec. Belitang, Kab. Oku
1. Gumawang KCP 0735 452363 452364
Timur
27577
5. BENGKULU KC Jl. S. Parman No. 120, Bengkulu 0736 22762, 22981, 22919 20087.
1. Raflesia KCP Jl. Semangka No. 45, Panorama, Bengkulu 0736 348688 27533
6. CURUP KC Jl. Merdeka No. 49, Curup 0732 21362/3, 21370 21618 27367
7. JAMBI KC Jl. Dr. Soetomo No. 42, Jambi 0741 31213/7, 31035 25625 27560
1. Abujani Sipin KCP Jl. Kol. Abujani No. 41, Sipin, Jambi 0741 669830, 669938 669830
321460/61/63, 321212,
8. KAYU AGUNG KC Jl. Let. Marzuki Jahri I/45, Kayu Agung 0712 321005 27391
321461/2
9. KOTA BUMI KC Jl. Jend. Sudirman No. 20, Kotabumi, LU 0724 21335, 21715, 25235 22030 26259
Liwa Lampung Pasar Liwa, Jl. Jend. Sudirman No. 25 A Liwa, Lampung
1. KCP 0726 21600, 21230 21230
Barat Barat
2. Tulang Bawang KCP Jl. Lintas Timur Pasar Unit II, Tulang Bawang 0726 750319, 750399 750738
10. KUALA TUNGKAL KC Jl. K.H. Dewantoro No. 4, Kuala Tungkal 0742 21080, 21326 21778 27242
321772, 321355, 322056,
11. LAHAT KC Jl. Mayor Ruslan I/1, Lahat 0731 23368 27268
323225
12. LUBUK LINGGAU KC Jl. Yos Sudarso No. 92, Lubuk Linggau 0733 323255, 323447, 323256 323315 27595
13. MANNA KC Jl. Jend. Sudirman No. 215, Manna 0739 21176, 21041, 21148 21148 27516
14. METRO KC Jl. Jend. Sudirman No. 50, Metro 0725 42621, 42634/5/7 42636 26258
15. MUARA BULIAN KC Jl. Jend. Sudirman No. 54, M. Bulian 0743 21018, 21320, 21825, 21695 21321 27398
16. MUARA BUNGO KC Jl. Anggrek No.1, Muara Bungo 0747 21019, 21566, 21559 21020 27354
Pasar Sarinah-
1. KCP Jl. Pahlawan Pasar Sarinah Rimbo Bujang, Muara Bungo 0747 431825/6, 431824 421074
Rimbo Bujang
17. MUARA ENIM KC Jl. Jend. Sudirman No. 88, Muara Enim 0734 422020/1, 422640 421074 27269
1. Tanjung Enim KCP Jl. Lintas Tanjung Enim Batu Raja 0734 453764 452369
Jl. Kombes H. Umar No. 126,
18. PAGAR ALAM KC 0730 621451, 622451 621055 27366
Pagar Alam
27201,
19. PALEMBANG RIVAI KC Jl. Kapten A. Rivai No.15, Palembang 0711 367688, 364081 312271 27392
1. Sudirman KCP Jl. Jend. Sudirman No. 12 A, Palembang 0711 376861, 376862 376861
PALEMBANG
20. KC Jl. Letkol Iskandar No. 27, Palembang 0711 379966, 361500, 320423 379967 27371
SRIWIJAYA
Jl. R.E. Martadinata, Kel. Sungai Buah, Kec. Ilir Timur II
1. Lemabang KCP 0711 710546 716798
Palembang
2. Veteran KCP Jl. Veteran, Kelurahan 20 Ilir Kec. Ilir Timur I, Palembang 0711 353557 310120
423991, 432780, 431169,
21. PANGKAL PINANG KC Jl. Diponegoro No. 1, Pangkal Pinang 0717 431702 27857
432771/3, 431132
22. PRABUMULIH KC Jl. Jend. Sudirman No. 6, Prabumulih 0713 320334, 320627, 323698 320848 27192
23. PRINGSEWU KC Jl. Jend. Sudirman No. 495, Pringsewu 0729 21132, 22722, 21246/7 21245 26367
131.
24. SEKAYU KC Jl. Let. Munandar No. 397, Sekayu 0714 321029, 321091 321632 27390
Jl. Raya Palembang Jambi No. 073 KM. 111, Kel Sungai
1. Sungai Lilin KCP 0714 322730 322171
Lilin
Jl. Raya Palembang Betung No. 006, Kelurahan Pangkalan
2. Pangkalan Balai KCP 0711 891091 891698
Balai, Kec. Banyuasin III Kab. Banyuasin
25. SUNGAI LIAT KC Jl. Jend. Sudirman No. 16, Sungai Liat 0717 92026/27/28, 94028 92921 27696
269881, 260000, 264961, 26353,
26. TANJUNG KARANG KC Jl. Raden Intan No. 51, Tanjung Karang 0721 262927
269880, 262994 26180
Jl. Raya Natar Merak Batam No.1380, Natar, Lampung
1. Pasar Natar KCP 0721 92734/5, 406447, 7400320 92735
Selatan
27. TANJUNG PANDAN KC Jl. Merdeka No. 11, Tanjung Pandan 0719 23511, 21013/14, 21674 21560 27570
28. TELUK BETUNG KC Jl. Laks. Malahayati No.78, Teluk Betung 0721 471425, 472222 486058 26176
Jl. Indra Bangsawan No. 150 A, Kel. Urang, Kec. Kalianda,
1. Kalianda KCP 0727 323124 322313
Kab. Lampung Selatan
Jl. Jend. Sudirman No. 88, Kel. Enggal Kec. Tanjungkarang
2. Jendral Sudirman KCP 0721 259358 265404
Pusat Bandar Lampung
JAKARTA 1 KW Jl. Veteran No. 8, Jakarta Pusat 021 3840802 3453685
61570,
1. JKT CUT MUTIAH KC Jl. Cut Mutiah No.12, Jakarta 021 3143061, 3142752 3106552 61829,
69034
1. BPKP KCP Jl. Pramuka No. 33, Kel. Utan Kayu Utara, Jakarta Timur 021 8564002/3 8199196
2. Cikini KCP Jl. Cikini Raya No. 58 R, Jakarta Pusat 021 3915344 3915343
Plaza Menteng, Jl. HOS. Cokroaminoto No. 079, Jakarta
3. Menteng KCP 021 3151425, 3154910, 3154812 3154812
Pusat
Jl. Daan Mogot No. 17, Kel. Duri Kepa, Kec. Kebon Jeruk, 5683660, 56963053, 56963124,
2. JKT DAAN MOGOT KC 021 56962970
Jakarta Barat 11510 56963310, 56963423
3. JKT GN. SAHARI KC Jl. Gunung Sahari Raya No. 18, Jakarta Pusat 021 6006272/4, 6598256 6006280 40117/8
63655,
4. JKT HAYAM WURUK KC Jl. Hayam Wuruk No.108, Jakpus 021 6297280, 6496935 6252217
41542
Jl. Muara Karang Raya No. 31, Blok A-B Utara, Kel Pluit,
1. Muara Baru KCP 021 6614146 6614146
Kec Penjaringan, Jak Utara
Ruko Jl. Pesanggrahan No. 2A, Kel Meruya Utara, Kec
2. Pesanggrahan KCP 021 58906231, 58905250 58905249
Kembangan, Jakarta Barat
Komp. Perum Taman Palem Lestari Blok C 1, No. 39,
3. Taman Palem KCP 021 55956548, 55963704 55963564
Jakarta Barat
5. JKT JATINEGARA KC Jl. Raya Jatinegara Timur IV/ 448 021 8506400, 8516471 8500646 48115
Jl. Pahlawan Revolusi No. 4, Kel Klender, Kec Duren Sawit,
1. Klender KCP 021 86612405, 86612414 8600405
Jakarta Timur
Jl. Panjang RT. 13/RW. 01, Kel. Kebon Jeruk, Kec. Kebon
6. JKT KEBON JERUK KC 021 5356368 5301640
Jeruk, Jakarta Barat
Jl. Raya Boulevard Barat Blok LC 6
7. JKT KELAPA GADING KC Kav 69 - 70, Kel. Kelapa Gading Barat, 021 4507656, 4507911 4507654
Kec. Kelapa Gading Jak-Ut
Gd. PELNI Lt. 1, Jl. Angkasa No. 18 Kemayoran, Jakarta
8. JKT KEMAYORAN KC 021 4212903/4/5/6/8, 4212911, 4212913 49628
Pusat
Graha Cempaka Mas I Blok E.1/24, Jl. Letjen. Suprapto,
1. Cempaka Mas KCP 021 4255328, 42803024 4255277
Jakarta
Jl. Danau Sunter Blok M. Kav 33,
2. Sunter KCP 021 70768011 65837007
Sunter Agung, Tj Priok, Jakarta 14350
9. JKT KOTA KC Jl. Kopi No. 54, Jakarta 021 6918281, 6927385, 6928659 6924658 42852
Komp. Pertokoan Glodok Plaza No. B-18 Jl. Pinangsia
1. Glodok KCP 021 6248037, 6248038 6248036
Raya, Jakarta 11110
2. Teluk Gong KCP Ruko Duta Indah SQ Blok B/1, Teluk Gong 021 66698264/5 66698269
3. Tubagus Angke KCP Komp. Duta Blok E 1/12, Jakarta Barat 021 56944495, 56944509 5694457
10. JKT KRAMAT KC Jl. Kramat Raya No.138, Jakpus 021 3100152/3/4/5, 3904609/11 3100156 61890
Jl. Dr. Saharjo No. 92, Kel. Menteng Atas, Kec. Setiabudi,
1. Manggarai KCP 021 8370337 83703622
Jakarta Selatan
Jl. Pramuka Raya No. 12, Kel. Palmeriam, Kec. Matraman,
2. Pramuka KCP 021 8517931 8517948
Jakarta Timur
132.
Sunan Giri Jl. Balai Pustaka No. 53, Rawamangun, Jakarta Timur
3. KCP 021 47860123 47862345
Rawamangun 13221
11. JKT KREKOT KC Jl. Samanhudi No. 44, Jakarta Pusat 021 2311873, 2311976, 2314174 3812876 44547
Gd. Mall Mangga Dua Kav. 23-24, Jl. Arteri Mangga Dua 6013623, 6127945, 6255641,
12. JKT MANGGA DUA KC 021 6013624 41259
Raya 6127944
2801328, 2800991,
13. JKT OTISTA KC Jl. Otto Iskandardinata No. 72, Jakarta Timur 021 2800718 48229
2800717/19/20, 2800096
1. Pondok Kelapa KCP Jl. Pondok Kelapa Raya Blok F.I No.4A, Jakarta Timur 021 86903931, 86903235 86902926
2. Tebet KCP Jl. Tebet Barat IX No. 35-B, Tebet, Jakarta 12810 021 83705544 83705545
Jl. Jatiwaringin No. 20 Rt. 005/ 05 Cip.Melayu, Jakarta
3. Pangkalan Jati KCP 021 86613897 86613898
Timur
Pasar Grosir
4. KCP Jl. Mayjend. Sutoyo No. 76 021 30016917/ 18/ 20 30016919
Cililitan
Gd. Wisma Bakrie 2, Lantai Dasar,
14. JKT RASUNA SAID KC 021 57942119/ 21 57942122
Jl. H.R. Rasuna Said, Kav. B-2, Jakarta Selatan
15. JKT RAWAMANGUN KC Jl. Pemuda Kav. 78 A-B, Rawamangun, Jakarta Timur 021 4714719, 4714559 4714601
Pusat Niaga Roxi Mas Blok B1 No. 1-2, Jl. KH.Hasyim
16. JKT ROXI KC 021 63855121, 6329986/ 82 6329982 67200
Ashari, Jakarta Pusat
Mall Taman Mall Taman Anggrek Ground Floor G. 31 (Banking Centre)
1. KCP 021 5639581/ 2/ 3 5639581
Anggrek Jl. Letjen S. Parman Kav. 21 Jakarta
2. Kebon Jeruk KCP Wisma Relasi, Jl. Panjang No. 333, Jakarta Barat 021 5481433, 5481320 5332487
Universitas
3. KCP Jl. Tanjung Duren Utara No 1, Grogol, Jakarta Barat 021 5961585/6 56961587
Tarumanegara
Pusat Perdagangan Anugrah Ciledug Blok D No. 32, Jl.
4. Ciledug KCP 021 73440663 73440713
H.O.S. Cokroaminoto, Sudimara Barat Ciledug Tangerang
Jl. KH. Mas Mansyur No. 120 C, Kel. Sereal, Kec. Tambora,
5. Jembatan Lima KCP 021 63866641 63866641
Jakarta Barat
Jl. Senen Raya No. 135, Blok C II 9-12 Segitiga Senen,
17. JKT SGT SENEN KC 021 3507966/7 3852328 66149
Jakarta Pusat
Jl. Klp Gading Boulevard Blok TA 2/34,
1. Kelapa Gading KCP 021 4523476 4516478
Kel. Klp. Gading, Kec. Koja, Jak-Ut 14240
Gedung Arthaloka, Jl. Jend Sudirman Kav 7, Jakarta Pusat
18. JKT SUDIRMAN 1 KC 021 57933251 57933253
10220
46262,
19. JKT TNH ABANG KC Jl. Tanah Abang III/ 4, Jakarta Pusat 021 3454529 3840522
35262
Markas Besar
1. KCP Jl. Veteran No. 4, Jakarta 021 3519652 3811321
TNI-AD
2. Asshidiqiyah KCP Jl. Arteri Kebon Jeruk, Kedoya, Jakarta 021 5813591 5813592
Jl. K.H. Fachrudin No. 36, Blok B No. 2 Pertokoan Tn.
3. Tanah Abang KCP 021 39840050 2305331
Abang Blok A/21, Jakarta Pusat
Jl. Kyai Caringin No. 68, Kel. Cideng, Kec. Gambir, Jakarta
4. Tomang KCP 021 63859842, 63859843
Pusat
Jl. Kemanggisan Raya No. 19/6 C, Kel. Kemanggisan, Kec.
5. Slipi KCP 021 53690977/8/9 53690979
Palmerah, Jakarta Barat
64138,
20. JKT TJ. PRIOK KC Jl. Yos Sudarso No. 1 Tj. Priok, Jakarta Utara 021 4300381, 419875, 4300161 43937634
64148
Kantor Administrator Pel. Tanjung Priok Lt.1, Jl. Palmas
1. Adpel Tj.Priok KCP 021 43908446, 43908559 43908447
No.1, Jakarta Utara
Jl. Raya Hamengkubuwono No. 30, Penggilingan Cakung,
2. Penggilingan KCP 021 4605628/9 4605659
Jakarta Timur
3843553, 3847739, 3453689/98,
21. JKT VETERAN KC Jl. Veteran No. 8, Jakarta Pusat 021 3842840 45205
3840802, 3858254/55, 3757255
1. RSPAD KCP Jl. Abdurachman Saleh, Jakarta 021 3841731, 3524665 3519851
Departemen
2. KCP Gedung B Jl. Dr. Wahidin No. 1, Jakarta 021 3519806, 3452334, 3504991 3452334
Keuangan
3507094/
3. Pertamina KCP Jl. Perwira II No 2 - 4, Jakarta Pusat 10110 021 3506709, 3500438
95
4. Lemhannas KCP Jl. Medan Merdeka Selatan No. 10, Jak-Pus 10110 021 3519809 3500437
133.
22. KETAPANG KC Jl. Jend. A. Yani No.12, Ketapang, Kalimantan Barat 0534 32091/92, 31195. 32170 29380
23. MEMPAWAH KC Jl. G.M. Taufik No. 29 Mempawah, Kalbar 78912 0561 691067, 691306, 691072 691140 29320
734009, 760945, 780876,
24. PONTIANAK KC Jl. Barito No. 2, Pontianak, Kalimantan Barat 0561 733019 29167
742775, 741616
Komplek Pertokoan Pasar Flamboyan, Jl. Gajah Mada Blok
1. Gajah Mada KCP 0561 734711 733145
259, Pontianak
25. PUTUSSIBAU KC Jl. D.I. Panjaitan No. 4, Putussibau, Kalimantan Barat 0567 21436, 21020 21592 29351
26. SANGGAU KC Jl. Jend. Sudirman No. 59, Sanggau Kalimantan Barat 0564 21123, 21502, 22122. 21215, 29342
27. SINGKAWANG KC Jl. P. Diponegoro No. 23, Singkawang, Kalimantan Barat 0562 631653, 631654, 634477 633336 29205
Komplek Pertokoan Jl. Jerenden AR, Ds. Bumi Emas,
1. Bengkayang KCP 0562 441459 441054
Bengkayang
2. Pemangkat KCP Jl. Moh. Hambal No. 82, Pemangkat 0562 243776 243775
29331,
28. SINTANG KC Jl. Adi Sucipto No. 1, Sintang, Kalimantan Barat 0565 21506, 21504, 21949 22409
29443
BANDUNG KW Jl. Asia-Afrika No. 57-59, Bandung 022 4200356 (Hunting) 432038 4200348
BANDUNG AHMAD Jl. A. Yani No. 276, Kel. Kacapiring, Kec. Batununggal,
1. KC 022 7270277 7270421
YANI Bandung
BANDUNG ASIA- 4200350/2, 4200360, 4206356, 24141,
2. KC Jl. Asia-Afrika No. 57-59, Bandung 022 439142
AFRIKA 4200352 24143
1. Metro Trade Center KCP Jl. Soekarno-Hatta Blok F No. 12, Bandung 022 70633500 7536379
2. Rajawali KCP Jl. Rajawali No. 95, Bandung 022 6047038 6046595
BANDUNG A.H.
3. KC Jl. Ujung Berung No. 140, Bandung 022 7800048, 7803140/1 7803948 28936
NASUTION
28177,
BANDUNG DEWI
4. KC Jl. Dewi Sartika No.1-3, Bandung 022 4203666, 4207335, 4215324/5 4232486 28680,
SARTIKA
28817
ITC
1. KCP ITC Kebon Kelapa, Jl. Pungkur, Bandung 022 5234267/ 8 5234268
Kebon Kelapa
2. Pasar Baru KCP Jl. Otto Iskandardinata No. 77, Bandung 022 4263419, 4209480 4263620
Pasar Induk Caringin Blok A.1 No. 35,
3. Pasar Caringin KCP 022 5430777 5430791
Jl. Soekarno-Hatta, Bandung
4231564, 4264330, 4240240,
5. BANDUNG NARIPAN KC Jl. Naripan No. 93, Bandung 022 4236417 28848
4231532, 4215066
Kampus ITB,
1. ITB KCP 022 2508531, 2508486, 2508544
Jl. Dayang Sumbi No. 7, Bandung
2. Pasir Kaliki KCP Jl. Pasir Kaliki No. 150, Bandung 022 4239960 4208523
3. Setra Sari KCP Jl. Surya Sumantri No. 34 A, Bandung 022 2020896, 2016222 2016222
Simpang Buah
4. KCP Jl. Buah Batu No. 162, Bandung 022 7323107/ 7307665 7323107
Batu
6. BANJAR KC Jl. Ciamis No. 1, Banjar 0366 741811/2/3 741810 28936
1. Pangandaran KCP Jl. Merdeka No. 202, Pangandaran 0265 630036, 630147 630036
771073, 772469, 772825,
7. CIAMIS KC Jl. Ir. H. Juanda No. 166, Ciamis 0265 771219 28853
774450
261237, 263843, 261174,
8. CIANJUR KC Jl. Adi Sucipto No. 8, Cianjur 0263 265542 28752
262210
1 Cipanas KCP Jl. Raya Cipanas No. 34, Pacet, Cianjur 0263 511031 511506
9. CIBADAK KC Jl. Siliwangi No. 93 A, Cibadak 0266 531106, 531376, 531810 533345 28028
1. Pelabuhan Ratu KCP Jl. Pramuka No. 95, Ds. Pelabuhan Ratu, Kab. Sukabumi 0266 433625/6 432100
10. CIMAHI KC Jl. Raya Cimahi No. 598, Cimahi 022 6654579, 6651728 6652724 28757
1. Soreang KCP Jl. Raya Soreang No. 48, Soreang 022 5897460, 5897461, 5892939
Jl. Raya Padalarang No. 50 B, RT. 004/13, Ds. Kertajaya,
2. Padalarang KCP 022 6808032, 6808230 6808032
Kab. Bandung
11. CIREBON KC Jl. R.A. Kartini No. 85, Cirebon 0231 202085, 204285 208470 28590
Jl. Raya Plered No. 84 A, Kec. Weru,
1. Weru KCP 0231 322715 322716
Kab. Cirebon
12. GARUT KC Jl. Jend. A. Yani No. 65, Garut 0262 232318, 235393 232013 28124
134.
13. INDRAMAYU KC Jl. D.I. Panjaitan No.227/C, Indramayu 0234 271364, 271397, 272322 28724
1. Patrol KCP Jl. Raya Patrol, Kec. Sukra, Kab. Indramayu 0234 611864 611864
351062, 351470, 351270,
14. JATIBARANG KC Jl. Siliwangi No. 3, Jatibarang 0234 351550, 354406 28705
351550
871449, 871264, 871125,
15. KUNINGAN KC Jl. Ahmad Yani No. 6, Kuningan 0232 871126 28728
875977
5950211, 5951747, 5950425,
16. MAJALAYA KC Jl. Raya Laswi No. 258, Majalaya 022 5953730 28655
5951946
1. Banjaran KCP Jl. Raya Banjaran No. 202, Majalaya 022 5940335 5940335
2. Rancaekek KCP Jl. Raya Dangdeur Timur No. 105, Rancaekek, Majalaya 022 7793370 7793370
281307, 281207, 281479,
17. MAJALENGKA KC Jl. KH. Abdul Halim No. 286, Majalengka 0233 282279 28729
283891, 283718
1. Abdul Fatah KH KCP Jl. KH. Abdul Fatah No. 59, Cikijing, Kab Majalengka 0233 318431 318432
18. PAMANUKAN KC Jl. Ian Marta Sasmita No. 52, Pamanukan 0260 551348/9, 553567, 551223 550480 28077
19. PURWAKARTA KC Jl. Kol. Kornel Singawinata No. 68, Purwakarta 0264 200120/1, 200186 206535 45746
545821, 545332, 545609,
20. SINGAPARNA KC Jl. Raya Timur No. 6, Singaparna 0265 545820 28107
544666
21. SUBANG KC Jl. Otto Iskandardinata No. 87, Subang 0260 413141/2, 413228/9, 420264/5 413230 28737
2040024, 222433, 222087,
22. SUKABUMI KC Jl. A. Yani No. 38, Sukabumi 0266 223830 28149
223734
201556, 201223, 201263,
23. SUMEDANG KC Jl. Prabu Geusan Ulun No. 10, Sumedang 0261 201884 28713
207401
1. UNPAD Jatinangor KCP Jl. Raya Jatinangor No. 148, Ds. Cikeruh, Jatinangor 022 7791202 7791202
24. TASIKMALAYA KC Jl. R. Ikik Wiradikarta No. 7, Tasikmalaya, 0265 330619, 334717, 334446 28123
8440728, 8440729, 8440730, 8447315,
SEMARANG KW Jl. Teuku Umar No. 24, Semarang 024
84418146 8318463
1. BATANG KC Jl. Diponegoro No. 1, Batang 0285 391047, 391516, 391532 392214 22521
531210, 531944, 533186,
2. BLORA KC Jl. Pemuda No. 2, Blora 0296 31017 22385
531614
3. BREBES KC Jl. Dr. Wachidin No. 1, Brebes 0283 671760/ 1, 672661 672664 52212
1. Jatibarang KCP Jl. Raya Jatibarang, Ds. Jatibarang Lor, Kab. Brebes 0283 6183226 6183226
4. BUMIAYU KC Jl. Raya Utara No. 77, Bumiayu 0289 432250/1/2, 4324425 432025 22855
5. CEPU KC Jl. P. Diponegoro III/2, Cepu 0296 421363, 421160/61, 421505 423410 22188
6. DEMAK KC Jl. Sultan Patah No. 676, Demak 0291 685900/1/3, 86393 685105 22365
Gd. PKPRI (PKPN)
7. JEPARA KC 0291 591026, 591404, 593969 591505 22367
Jl. Pemuda No. 101, Jepara
1. Bangsri KCP Jl. Raya Bangsri, Jepara 0291 772092 772092
8. KENDAL KC Jl. Raya No. 222, Kendal 0294 381100, 381764/65/66, 384124 381767 22474
1. Weleri KCP Jl. Utama Tengah No. 194, Weleri, Kendal 0294 642588 642588
9. KUDUS KC Jl. Jend Sudirman No. 66, Kudus 0291 432060 432086 431868 436268 22453
22114,
10. PATI KC Jl. P. Sudirman No. 154, Pati 0295 381949, 381851 381676
22680
Jl. P. Sudirman,
1. Juwana KCP 0295 474466 474466
Pertokoan Plaza Juwana, No. 3
11. PEKALONGAN KC Jl. W.R. Supratman No. 6, Pekalongan 0285 421041, 434902 424318 22473
1. Wiradesa KCP Jl. Raya Wiradesa No.112, Wiradesa, Pekalongan 0285 4417254, 4417443 4417252
Jl. Raya Kedung Wuni No. 125-126,
2. Kedung Wuni KCP 0285 785900 785900
Kedungwuni, Pekalongan
12. PEMALANG KC Jl. Jend. Sudirman Timur No. 36, Pemalang 0284 321016, 321646, 321428 321397 22556
424913/14, 424112, 421848,
13. PURWODADI KC Jl. K.S. Tubun No. 1, Purwodadi 0292 421241 22302
424912
14. REMBANG KC Jl. P. Diponegoro No. 103, Rembang 0295 691133, 691622, 692373 691853 22447
1. Lasem KCP Jl. Raya Lasem No. 124, Lasem 0295 531234 531234
326890, 326356, 327230,
15. SALATIGA KC Jl. P. Diponegoro No. 9, Salatiga 0298 323640 22553
323876
135.
16. SEMARANG KC Jl. Pandanaran No. 75, Semarang 8412418, 8411918, 8414349 8413367, 22114,
024
PANDANARAN 8450459 22680
1. Karangayu KCP Jl. Jend. Sudirman No. 174, Semarang 024 7604065 7604065
2. Kranggan KCP Jl. Gang Pinggir No. 36 A, Semarang 024 3563272 3584830
3. Mojopahit KCP Jl. Mojopahit No. 382, Semarang 024 6708939 6708939
4. Tlogosari KCP Jl. Tlogosari Raya 1 No. 68 Blok B 1, Semarang 024 76744280 7644215
22113,
SEMARANG KC Jl. Pattimura No. 2-4, Semarang 024 3585441, 3545017 3546115 22242,
17.
PATTIMURA 22861
1. A. Yani KCP Jl. Jend. A. Yani No. 169, Semarang 024 8416790 8416790
Pertokoan Metro Plaza Blok A.7, Jl. MT. Haryono 970,
2. Metro Plaza KCP 024 8313571 8417853
Semarang
3. Piere Tendean KCP Jl. Kapten Piere Tendean No. 25, Semarang 024 3510876 3510876
4. Watugong KCP Komp. Kodam IV Diponegoro, Watugong, Semarang 024 7460460 7460460
18. TEGAL KC Jl. Pancasila No. 42, Tegal 0283 358912/3/4/5 356302 22462
Jl. Raya Banjaran, Ds. Banjaran,
1. Adiwerna KCP 0283 444872, 445728 444872
Kec. Adiwerna, Tegal
2. Slawi KCP Jl. Dr. Sutomo No. 3, Ds. Slawi Wetan 0283 492494 492494
6924475, 6921075, 6921675,
19. UNGARAN KC Jl. Jend. Gatot Subroto No. 75, Ungaran 024 921104 22562
6923303
1. Ambarawa KCP Jl. Sudirman No. 150, Ambarawa 0298 591150, 592715 592715
YOGYAKARTA KW Jl. Cik Ditiro No. 3, Yogyakarta 0274 561403, 520270 514166
1. AJIBARANG KC Jl. Raya Ajibarang Wetan No.1, Ajibarang 0281 571543/4, 5725448/9 571544
2. BANJARNEGARA KC Jl. Pemuda No. 70, Banjarnegara 0282 591024 591585, 591104 591639 25309
3. BANTUL KC Jl. Jend. Sudirman No. 3, Bantul 0274 367312, 367433, 367044 367122 25441
321067, 325058, 321120,
4. BOYOLALI KC Jl. Pandanaran No. 154, Boyolali 0276 21414 25386
321413
5. CILACAP KC Jl. Jend. A. Yani No. 29, Cilacap 0282 533422, 533015, 534068 533215 25422
1. Kroya KCP Jl. Jend. Sudirman, No. 60, Kroya. 0282 492100, 492101 494214
6. GOMBONG KC Jl. Yos Sudarso No. 208, Gombong 0287 471162/ 3, 471087 471539 25493
7. KARANG ANYAR KC Jl. Lawu Barat No. 391, Karanganyar 0271 495383, 495388 494275 25301
1. Palur KCP Jl. Raya Solo, Sragen 0271 827571, 825565 494275
8. KEBUMEN KC Jl. Pahlawan No. 114, Kebumen 31247 0287 381005, 381247 381555 25391
321859, 322330, 321824,
9. KLATEN KC Jl. Pemuda Selatan No. 67, Klaten 0272 321425 25213
325655, 322738
1. Pedan KCP Jl. Raya Pedan No. 4, Kec. Pedan, Kab. Klaten 0272 897986, 897467 897467
642177, 641369, 641035,
10. KUTOARJO KC Jl. Mayjend. S. Parman, No. 107, Kutoarjo 0275 641044 25355
641138, 641646
11. MAGELANG KC Jl. Ikhlas No. 1, Magelang 0293 365161, 364060, 365277 365269 22153
Komp. Pertokoan Shopping Center Ruko No. 1-2,
1. Shopping Centre KCP 0293 361035, 310158 361035
Magelang
12. MAJENANG KC Jl. Diponegoro No. 318, Majenang 0280 621069, 621360, 621145 621496 25637
1. Sidareja KCP Jl. Jend. Sudirman No. 171, Sidareja 0280 524162 523316
13. MUNTILAN KC Jl. Pemuda No. 6, Muntilan 0293 587096, 587380, 586097 587444 22853
596086, 596011, 597345,
14. PARAKAN KC Jl. Kosasih No. 15 Parakan 0293 596086 22759
596455
891577, 891054, 891395,
15. PURBALINGGA KC Jl. Jend. Sudirman No. 214 A, Purbalingga 0281 891892 25307
895341, 891892
16. PURWOKERTO KC Jl. Jend. Sudirman No. 57, Purwokerto 0281 640985, 631813/14/15 631819 25330
24. WATES KC Jl. Kol. Sugiyono No. 2, Wates 0274 773146, 773340, 774333 773671 25219
25. WONOGIRI KC Jl. Kabupaten No. 1, Wonogiri 0273 321044, 323473, 321287 321496 25270
391703, 391472, 391119,
26. WONOSARI KC Jl. Pramuka No. 6, Pandansari, Wonosari, Gunung Kidul 0274 392045 25236
394193
321190, 321025, 321738/9,
27. WONOSOBO KC Jl. Jend. A. Yani No. 1, Wonosobo 0286 322258 22394
321702
136.
YOGYA 520261/2, 520581, 561935, 25121,

28. KC Jl. Cik Ditiro No. 3, Yogyakarta 0274 512110
CIK DITIRO 563439 25618
1. Bethesda KCP Jl. Jend. Sudirman No. 70, Yogyakarta 0274 520136
2. Seturan Plaza KCP Jl. Raya Seturan, Caturnunggal, Depok 0274 4332615, 4332688 4332688
25185,
29. YOGYA KATAMSO KC Jl. Brigjend. Katamso No. 13-15, Yogyakarta 0274 372724/6/8/9 387949
25365
Gedung Mulia Lt. 2, 52920586,
JAKARTA 2 KW 021 52920581, 52920585
Jl. Gatot Subroto, Kav. 9-11 52920587
1. BEKASI KC Jl. Ir. Juanda No. 93, Bekasi 021 8802820, 88349008 8800971 46973
1. Cikarang KCP Cikarang Plaza Blok B No. 10, Cikarang, Bekasi 021 89110462 89110463
Jl. Raya Cikarang-Cibarusah No. 39 B, Ds. Sukaresmi,
2. Cikarang Selatan KCP 021 89677087/89 89677087
Kec. Cikarang Selatan, Kab. Bekasi
Komp. Pondok Gede Plaza Blok A 20, Pondok Gede,
3. Pondok Gede KCP 021 849933566 8471488
Bekasi
4. RS ANANDA KCP Jl. Sultan Agung No. 173, Kel. Medan Satria, Kodya Bekasi 021 88861041 88855108
Sentral Niaga Komp. Ruko Sentral Kalimalang
5. KCP 021 88850371 88850370
Kalimalang Blok A 2, No. 3, Jl. A.Yani, Bekasi
Ruko Kalimas Blok B 1, Jl. Chairil Anwar, Kel. Margahayu,
6. Tambun KCP 021 88342908 88359638
Kec. Bekasi Timur, Bekasi
48424,
2. BOGOR KC Jl. Dewi Sartika No. 6, Bogor 0251 313137 320043
67049
Cibinong Mayor Perum. Taman Rezeki, Jl. Mayor Oking Jayaatmaja, Kel.
1. KCP 021 87914147 87914185
Oking Ciriung, Kec. Cibinong
2. IPB Dermaga KCP Kampus Institut Pertanian Bogor, Dermaga, Bogor 0251 391393 423046
3. Parung KCP Jl. Raya Parung, Desa Parung, Kec. Parung, Kab. Bogor 0251 8610154 8610194
4. Suryakencana KCP Jl. Suryakencana No. 312, Sukasari, Bogor 0251 321851/8 321856
5. Tajur KCP Jl. Raya Tajur No. 49, Bogor 0251 337578 338822
Jl. Raya Padjajaran No. 95 A, RT.02/RW.06, Kel.
3. BOGOR PADJAJARAN KC 0251 334568 334568
Padjajaran, Kec. Bogor Utara, Bogor
1. Batu Tulis KCP Jl. Raya Pahlawan No. 80/152, Bandongan, Bogor Selatan 0251 8326685
BUMI SERPONG Jl. Pahlawan Seribu, Ruko Golden Boulevard Blok Q 6-7,
4. KC 021 5376571, 53161402/4/5 5376570
DAMAI BSD Tangerang
1. ITC KCP Ruko ITC BSD No. 57, Jl. Pahlawan Seribu 021 53161564 53161563
2. Gading
KCP Serpong No. 30, Tangerang 021 54212198 54212198
Serpong
3. Pamulang KCP Pamulang, Kab. Tangerang, Banten 021 7408079 7499888
4. Serpong KCP Ruko Sentra Niaga III E No. 6, Tangerang 021 53123419 53122978
Jl. Trans Yogi - Jl. Alternatif Cibubur, Kranggan Permai Blok
5.. CIBUBUR KC 021 8446653/54 845832
16 No. 19-20, Kel. Jatikarya, Kec. Jatisampurna, Bekasi
1. Cileungsi KCP Komp. Griya Kenari Mas, Blok B/ II, No. 2-3 021 8230614 8230614
2. Gunung Putri KCP Jl. Raya Wanaherang No. 6 021 8670145 8670145
316069, 316085, 312200,
6. CIKAMPEK KC Jl. Jend. A. Yani No. 16, Cikampek 0264 316743 44798
319273
Ruko Cikarang Comersial Center, Jl. Raya Cikarang,
7. CIKARANG KC 021 89835728, 8935349, 89835728 8934544
Cibarusah KM. 40, Cikarang, Bekasi 17550
8. CILEGON KC Jl. S.A. Tirtayasa No. 5, Cilegon 0254 391393/2, 391351 802666,
9. CIPUTAT KC Jl. Ir. H. Juanda No. 88, Ciputat, Jaksel 021 7403188, 7427806 7427737
10. DEPOK KC Jl. Margonda Raya No. 21 A, Depok 021 7752341/42 77212720
Jl. Raya Margonda No. 341 B, Kel. Kemirimuka, Kec. Beji,
1. Margonda KCP 021 7870338 78884575
Depok
11. JKT FATMAWATI KC Jl. RS. Fatmawati No. 37, Jakarta Selatan 021 7694430, 7503980/81 7695239
1. Cinere KCP Jl. Cinere Raya No. 19 B, Cinere 021 7540856, 7540845, 7536209 7540841
Komp. Pertokoan Duta Mas Blok B. 2
2. Duta Mas KCP 021 72793825/6 72793815
No. 6, Jl. Raya Fatmawati, Jakarta
Komp. Ruko III Citra Grand No. 19,
3. Kranggan KCP Jl. Raya Alternatif Cibubur, 021 843000017 84300016
Kel. Jatikarya, Kec. Jatisampurna Bekasi
4. RSU Fatmawati KCP Jl. RS. Fatmawati Cilandak, Jakarta Selatan 021 7694430, 7503979/80 7695239
137.
5204431, 5204466, 5204417, 60553

12. JKT GT. SUBROTO KC Jl. Gatot Subroto Kav. 52, Jakarta Selatan 021 5204433
520444, 5204414 /54
Telkom Gatot Jl. Jend. Gatot Subroto Kav. 52,
1. KCP 021 52731746/47 5273175
Subroto Jakarta Selatan
2. Gedung BEJ KCP JSX Building Tower, Jl. Jend. Sudirman Kav. 52-53, Jakarta 021 5152791 5152790
13. JKT KEB. BARU KC Jl. Hasanuddin No. 62, Blok M, Jakarta 021 7201053/4, 7201054/5 7201056 47180
Jl. Ampera Raya No. 8, Kel. Pejaten Barat, Kec. Ps.
1. Ampera KCP 021 71792504 7192410
Minggu, Jakarta Selatan
Jl. Sultan Iskandar Muda/Arteri Pondok Indah Kav. No. 3,
14. JKT PD. INDAH KC Keb. Lama, 021 7294070/ 71/ 72/ 73, 7294069, 7294066 47691
Jakarta Selatan
Komp. Ruko Plaza Bintaro Jaya, Sektor 3 No. D 41,
1. Bintaro KCP 021 7375169, 7375857 7375856
Jakarta
Jl. Ciledug Raya No. 15, Cipulir, Kel. Ulujami, Kec.
2. Cipulir KCP 021 58904160, 68196654 7206362
Kebayoran Lama, Jakarta Selatan
Jl. Cirendeu Raya, Ruko Cirendeu Griya Permai No. 7,
3. Cirendeu KCP 021 7493285, 7495529 74710406
Jakarta
Grand ITC Permata Hijau, Jl. Arteri Permata Hijau, Type
4. Permata Hijau KCP Emerald No. 31, Grogol Utara, Kebayoran Lama, Jakarta 021 53664223 53664234
12210
Pd. Indah Mall 2, Lt. Dasar No. G 33 B, Jl. Raya Metro Pd.
5. Pondok Indah Mall KCP 021 75921054/5 75921053
Indah, Jakarta Selatan
15. JKT PASAR MINGGU KC Jl. Ragunan Raya No. 39, Pasar Minggu 021 78833026, 78839888 7805452 66189
1. Kampus UI KCP Kampus UI Depok Fak. Psikologi 021 70241012, 70300536 70300536
Jl. Mampang Prapatan No. 8, 7982480,
16. JKT WARUNGBUNCIT KC 021 7982411, 7983911, 79195844 66052
Jakarta Selatan 7983911
1. Cijantung KCP Jl. Raya Bogor KM. 23 No. 1, Pasar Rebo, Jakarta Timur 021 87795861 87795861
Jl. Cikajang No. 3 Blok. Q/ IV, RT. 001/ 05, Keb. Baru,
2. Cikajang KCP 021 7252125 7392467
Jakarta Selatan
Jl. Raya Joglo, Ruko Puri Botanical H 7 No. 1-2, Jakarta
17. JOGLO KC 021 58907163 58906368
Barat
18. KARAWANG KC Jl. Tuparev No. 27, Karawang 0267 402333, 415315 415228, 415138 44740
Jl. Blok Kraton RT. 02/ 06, Rengas dengklok, Kec.
0267 484841/2 484843
1. Rengasdengklok KCP Rengasdengklok, Karawang
19. LABUAN KC Jl. Jend. Sudirman No. 156, Labuan, Pandeglang, Banten 0253 81213/4, 82800, 81761 82666
Jl. Gatot Subroto No. 62, Kel. Menteng Dalam, Kec. Tebet,
20. PANCORAN KC 021 83785557/8 83785562
Jakarta Selatan
21. PANDEGLANG KC Jl. Bhayangkara No. 1, Pandeglang 0253 201047, 201971, 204958 203501 45885
Plaza Pondok Gede Ruko Blok C No. 23-25, Jl. Raya
22. PONDOK GEDE KC 021 84938476/7/8 84948480
Pondok Gede, Bekasi
Komp. Ruko Taman Galaxy Indah Blok H No. 1, Kodya
1. Galaxy KCP 021 82404134 82404331
Bekasi
2. Jatibening KCP Jl. Caman Raya No. 17 H, Jatibening, Bekasi 021 84976959 84993668
23. RANGKASBITUNG KC Jl. Ika Jatmika No. 7, Rangkasbitung 0252 201012, 201683, 204063 204112 45887
24. SERANG KC Jl. P. Diponegoro No. 3, Serang 0254 210025/26 200133 48294
25. TANGERANG KC Jl. Jend. A. Yani No. 4, Tangerang 021 5520789, 5524357, 5515914 5524356 43548
Komp. Pertokoan Pintu Tol Balaraja Barat, Kamp. Telaga
1. Balaraja KCP 021 5952545, 5282558 5952577
Sari RT. 05/2, Balaraja, Tangerang 15612
2. Bandara S. Hatta KCP Angkasa Pura, Gd. 600 021 55910938 55910938
Ruko, Jl. Imam Bonjol No. 42, Karawaci, Kawasan Lipo 55791051
3. Karawaci KCP 021 55791051
Karawaci, Tangerang
4. Tangerang Ruko M. Toha Blok B No. 34, Jl. Raya M. Toha, Tangerang
KCP 021 5518306 55791097
Pasar Baru (Jl. Raya Mauk Tangerang)
5324033,
SURABAYA KW Plaza BRI lt.20, Jl. Basuki Rachmad 122-138, Surabaya 031 5324230
5324044
3095049, 3095520, 3095273,
1. BANGKALAN KC Jl. Let. Singosastro No. 1, Bangkalan, Madura 031 3097123 31533
3099088
138.
424888, 412700, 421444,

2. BANYUWANGI KC Jl. Jend. A. Yani No. 12, Banyuwangi 0333 424616 31887
427069
1. Genteng KCP Komp. Ruko Pasar Genteng Blok C, Banyuwangi 0333 846351, 847955 636401
2. Rogojampi KCP Jl. Raya Rogojampi No. 123, Rogojampi, Banyuwangi 0333 636400 636401
3. Muncar KCP Kec. Muncar, Kab. Banyuwangi 0333 590208 596101
801846, 802325, 801234,
3. BLITAR KC Jl. Jend. A. Yani No. 2, Blitar 0342 804174 31698
801755
1. Wlingi KCP Jl. Bromo No. 22, Wlingi, Blitar 0342 5696361/62 5696360
4. BOJONEGORO KC Jl. D.I. Panjaitan No. 6, Bojonegoro 0353 881307, 884958, 882495 884979 31029
5. BONDOWOSO KC Jl. Ki Mangunsarkoro No. 5, Bondowoso 0332 427069, 421780, 425994 421444 31887
31157,
6. GRESIK KC Jl. P. Sudirman No. 89, Gresik 031 3990078 3983298
31011
1. Driyorejo KCP Jl. Raya Driyorejo No. 180, Gresik 031 7508240 7508208
7. H.R. MUHAMMAD KC Jl. H.R. Muhammad No. 90 B, Surabaya 031 73282090 7341860
1. Wiyung KCP Taman Pondok Indah, Blok A5-A6, Surabaya 031 7671134 7671276
483258, 424162, 421808,
8. JEMBER KC Jl. Jend. A. Yani No. 1, Jember 0331 486484 31050
486983
1. Ambulu KCP Jl. Manggar No. 34, Kec. Ambulu, Kab. Jember 0336 883344 883344
9. JOMBANG KC Jl. K.H. Wahid Hasyim No. 116, Jombang 0321 861041, 862126, 861232/4 862758 31661
1. Mojoagung KCP Jl. Raya Mojoagung No. 236, Jombang 0321 495362 495362
10. KEDIRI KC Jl. K.J.P. Slamet A No. 35-37, Kediri 0354 773307 771322 31984
1. Doho KCP Jl. Brawijaya No. 40, Blok A 1-2, Kediri 0354 696859 696858
2. Pare KCP Jl. Raya No. 76, Pare, Kediri 0354 398535 398534
312255, 321520, 323317,
11. LAMONGAN KC Jl. Basuki Rachmat No. 86, Lamongan 0322 323222 31647
321442
1. Babat KCP Jl. Raya Babat No. 227, Lamongan 0322 457669, 457000 457669
881287, 886374, 881883,
12. LUMAJANG KC Jl. Alun-Alun Selatan No. 3, Lumajang 0334 881054 31565
882338
13. MADIUN KC Jl. Pahlawan No. 50, Madiun 0351 454131/2/3 462406 31956
1. Caruban KCP Jl. Panglima Sudirman No. 141, Caruban 0351 384533 384533
895309/10/11, 891920/21,
14. MAGETAN KC Jl. Jend. A. Yani No. 12, Magetan 0351 892456 31663
891841
31089,
15. MALANG KAWI KC Jl. Kawi No. 20-22, Malang 0341 327666, 328208, 362217 328106
31507
1. Batu KCP Jl. Panglima Sudirman No. 21, Batu 0341 594782, 594779 594779
2. Kepanjen KCP Jl. Ahmad Yani No. 106-107, Kepanjen, Malang 0341 399850/51, 399523 39850
3. Lawang KCP Jl. Raya Thamrin Blok AJ-1 0341 422898/99, 423540 423423
16. MALANG M.DINATA KC Jl. Laks. Martadinata No. 81, Malang 0341 368681/2, 363839, 359445 363831 31748
1. Turen KCP Jl. Panglima Sudirman No. 4, Turen, Malang 0341 827434, 827778 827800
2. UNIBRAW KCP Jl. M.T. Haryono, Malang 0341 575952/53 575901
17. MOJOKERTO KC Jl. Mojopahit No. 378, Mojokerto 0321 322402, 322442, 392978 323642 31949
1. Mojosari KCP Jl. Masjid No. 64, Mojosari, Mojokerto 0321 594960/61 594961
18. NGANJUK KC Jl. Raya Supriadi No. 3, Nganjuk 0358 321690/2, 325667, 321007 323404 31721
19. NGAWI KC Jl. Jend. A. Yani No. 55, Ngawi 0351 749525, 749529, 749536 748140 31607
881020, 881193, 881211,
20. PACITAN KC Jl. Jend. A. Yani No. 18, Pacitan 0357 884153 31378
882590
322853, 327328, 322693,
21. PAMEKASAN KC Jl. Jokotole No. 24, Pamekasan 0324 324064 31617
321485
22. PASURUAN KC Jl. Pahlawan No. 24, Pasuruan 0343 426621/2/3/4 425344 31684
1. Pandaan KCP Jl. Pahlawan Sunaryo No. 8, Pandaan, Pasuruan 0343 631100, 637645 637646
2. Bangil KCP Komp. Plaza Suropati Blok A No. 16, Bangil 0343 741810, 743900 744810
23. PONOROGO KC Jl. Soekarno-Hatta No. 28, Ponorogo 0352 481271, 481939, 485066 484265 31459
139.
24. PROBOLINGGO KC Jl. Suroyo No. 30, Probolinggo 0335 424130 421267 31899
Jl. Raya Panglima Sudirman No. 270, Kraksaan,
1. Kraksaan KCP 0335 843456 843413
Probolinggo
25. SAMPANG KC Jl. K.H. Wahid Hasyim No. 83, Sampang 0323 321085, 321477, 323483 322544 31546
26. SIDOARJO KC Jl. Jend. A. Yani No. 35, Sidoarjo 031 8967985 8941065 31669
Komp. Pertokoan Gateway Aloha Blok B 07, Jl. Raya
1. Aloha KCP 031 8554627/9 8554627
Waru, Kec. Gedangan, Sidoarjo
2. Krian KCP Jl. Raya Imam Bonjol No. 37, Krian, Sidoarjo 031 8983343, 8976144 8976133
3. Pondok Komp. Pertokoan Wadung Asri, Jl. Raya Wadung Asri,
KCP 031 8688174 8688175
Chandra Sidoarjo
4. Sepanjang KCP Komp. Ruko Taman No. 58, Sidoarjo 031 7871776 7871762
27. SITUBONDO KC Jl. Jend. A. Yani No. 123, Situbondo 0338 674111, 671279, 675273 673356 31039
662717, 663282, 664821,
28. SUMENEP KC Jl. Trunojoyo No. 135 A, Sumenep 0328 662682 31876
662682
SURABAYA KUSUMA
29. KC Jl. Kusuma Bangsa No. 122, Surabaya 031 5344495, 5467102 5350320 34214
BANGSA
1. Kampus UNAIR KCP Jl. Darmawangsa Dalam No. 23-B, Surabaya 031 5015776, 5039995 5015776
Komp. Ruko Sutorejo Prima Indah No. 78 B, Jl. Raya
2. Mulyosari KCP 031 5965313,5964564 5965313
Mulyosari, Surabaya
32881,
5320736/7, 5320757, 5341448,
30. SURABAYA KALIASIN KC Gd. Plasa BRI, Jl. Basuki Rahmat No. 138, Surabaya 031 5320738 32882,
5350573, 5345771
32883
1. A. Yani KCP Jl. Jemur Andyani No. 69, Surabaya 031 8477361/2, 8475217 8477361
SURABAYA 5474045, 5475277, 3544802
31. KC Jl. Pahlawan No. 39-41, Surabaya 031 5474059 34119
PAHLAWAN
1. Diponegoro KCP Jl. Diponegoro No. 174, Surabaya 031
32264,
32. SURABAYA RAJAWALI KC Jl. Rajawali No. 23-27, Surabaya 031 3531219, 3551045, 3540275 3540581
32136
Jembatan Merah Jembatan Merah Plaza II Lt. Dasar Blok B, No. 1-2,
1. KCP 031 3520418/9
Plaza Surabaya
2. Kedungdoro KCP Jl. Kedungdoro No. 67, Surabaya
3. Pucang KCP Jl. Pucang Anom Timur No. 25 B, Surabaya
Komp. Pertokoan Rungkut Megah
4. Rungkut KCP 031 8709265 8794955
Blok D No. 7, Jl. Rungkut No. 5, Surabaya
SURABAYA 36317,
33. KC Jl. Perak Barat No. 357-375, Surabaya 031 3291380/2, 3291385 3295115
TJ. PERAK 36345
1. Manukan KCP Jl. Manukan Taman Blok 2 H No. 16, Surabaya 031 7411190 7458688
2. Pasar Turi KCP Jl. Semarang No. B 16, Surabaya
Jl. Jend. A. Yani No. 4,
34. TRENGGALEK KC 0355 791691/2/3, 791390 323652 31637
Trenggalek 66316
321739, 321095, 323079,
35. T U B A N KC Jl. Veteran No. 15, Tuban 0356 791691 31708
321049
36. TULUNGAGUNG KC Jl. P. Diponegoro No. 2 B, Tulungagung 0355 329328, 323076, 323070/75 323072 31969
BANJARMASIN KW Jl. Jend. A. Yani KM 3.5, No. 151, Banjarmasin 0511 252056/57 251649, 252992
1. AMUNTAI KC Jl. Jend. A. Yani No. 1, Amuntai 0527 61062, 62075, 61890, 61493 62727 39297
1. Paringin KCP Jl. Jend. A. Yani No. 26 Paringin Kota 0526 2028123, 2028237 2028237
Jl. Jend. Sudirman No. 37, 37126,
2. BALIKPAPAN KC 0542 736765 732850
Balikpapan, 76112 37303
Jl. M.T. Haryono, Komp. Ruko, Balikpapan baru, Blok B 3,
1. Balikpapan Baru KCP 0542 875304, 875199 872817
No. 7, Balikpapan
2. Kebun Sayur KCP Jl. Letjend. Suprapto No. 68, RT. 05, Balikpapan 0542 746883 746884
Ruko Taman Citra Blok C. 65
3. Muara Rapak KCP 0542 416748 734209
Jl. Soekarno- Hatta, KM. 0.5, Muara Rapak
Jl. Pangeran Samudra No. 98, 39118,
3. BANJARMASIN KC 0511 66848, 57884, 54363 53862, 365924
Banjarmasin 39107
1. A. Yani KCP Jl. Jend. A. Yani No. 151, KM. 3.5, Banjarmasin 0511 3271876 3266610
140.
Bandara
2. KCP Jl. UR. Iswahyudi, Bandara Sepinggan, Balikpapan 0542 766866 762907
Sepinggan
3. Kayu Tangi KCP Jl. Brigjend. Hasan Basri No. 46 B, RT. 15, Banjarmasin 0511 3302025 3304468
4. BARABAI KC Jl. Pangeran Muh. Noor, No. 19, Barabai 0517 41055, 43083, 42296 42297 39288
5. BATULICIN KC Jl. Kampung Baru No. 50, Batu Licin 0518 70947, 70927 70917 39497
1. Sungai Danau KCP Jl. Propinsi RT. 27, Sungai Danau 0512 61029 61029
38396,
6. BONTANG KC Jl. M.T. Haryono No. 9, Bontang 0548 21085 21091
38292
1. PKT Bontang KCP Wisma PT KIE, Bontang 0548 41223 41221
7. BUNTOK KC Jl. Panglima Batur No. 20, Buntok, 0525 22309, 21093, 21019 21295 39295
21611/12, 21335, 21700,
8. KANDANGAN KC Jl. Panglima Batur No. 16, Kandangan 0517 22575 39289
21918/9
9. KOTA BARU KC Jl. P. Kesuma Negara No. 12, Kota Baru, Pulau Laut 0518 22207, 22021, 21073 21212 39398
39118
10. KUALA KAPUAS KC Jl. Jend. A.Yani No. 41, Kuala Kapuas 0513 21031/2, 21532 21903
39221
4799010, 4799030, 4799661,
11. MARABAHAN KC Jl. Lima Desember No. 63, Marabahan 0511 4799001 39317
4799010
12. MARTAPURA KC Jl. Jend. A. Yani No. 5, Martapura 0511 721870, 721072 721292 39397
Jl. Tumenggung Surapati No. 93,
13. MUARA TEWEH KC 0519 21119, 21614 22701 39296
Muara Teweh
14. PALANGKARAYA KC Jl. Jend. A. Yani No. 85, Palangkaraya 0536 22638, 21507, 22392, 22901 21593 39396
15. PANGKALAN BUN KC Jl. P. Antasari No. 141, Pangkalan Bun 0532 21138, 21015, 21766, 21767 23223 39357
16. PLEIHARI KC Jl. Pancasila No. 2 A, Pleihari 0512 21058, 21028, 21194 210903 39299
17. RANTAU KC Jl. Brigjend. H. Basri No. 2, Rantau 0517 31015, 31150, 31735 31975 39298
38246,
18. SAMARINDA KC Jl. Gajah Mada No. 1, Samarinda 0541 742562, 741651, 201317/18 742592 38247
Komp. Pertokoan Mall Lembuswana Blok C No. 9,
1. Lembuswana KCP 0541 206603, 744781 744781
Samarinda
Jl. Cipto Mangun Kusumo No. 2,
2. Loa Janan KCP 0541 261138, 7030810 261138
Loa Janan Ilir, Samarinda
3. Melak KCP Jl. Piere Tendean RT. II, No. 61 A, Melak, Kab. Kutai Barat 0545 41424 41703
19. SAMPIT KC Jl. M.T. Haryono No. 46, Sampit 0531 21080, 21274, 25306 22764 39384
20. SANGATTA KC Town Centre, Jl. Dr. Sutomo, Sangatta Baru 0549 22225, 5508463, 21655 21155
21. TANAH GROGOT KC Jl. Jend. Sudirman No. 4, Tanah Grogot 0543 21157, 21666 22646 37227
RT. 10/ RW. 14, Kel. Petong Kec. Penajam, Kab. Penajam,
1. Penajam KCP 0543 5238923
Paser Utara
22. TANJUNG KC Jl. Putri Zaleha No. 2, RT. 03, Tanjung Tabalong 0526 2021189 2021915 39287
23. TANJUNG REDEP KC Jl. S.A. Maulana, No. 1050, Tj. Redep, Kab. Berau, 77312 0554 21043 21759 38334
24. TANJUNG SELOR KC Jl. Teratai No. 4, Tanjung Selor 0552 21300, 21123, 21173 21079 38355
731337,
25. TARAKAN KC Jl. Yos Sudarso RT. 14/5, No. 86 Tarakan 0551 21143/4 24209
731310
1. Nunukan KCP Jl. Jend. A. Yani RT. 1 No. 08, Nunukan 0556 22922 22965
Jl. Cut Nyak Dien, No. 14-15, 661953, 662828, 661416,
26. TENGGARONG KC 0541 661404 38333
Tenggarong, 75512 664146
DENPASAR KW Jl. Dr. Kusumaatmaja No. 1, Denpasar 0361 228715, 221979 225791, 234796
1. AMLAPURA KC Jl. Gajah Mada No. 61, Amlapura 0363 22745, 21686, 21019, 21026 21788 35401
2. ATAMBUA KC Jl. I-J Kasimo No. 10, Atambua 0389 22054, 21053, 22053, 21024 21339 35021
3. BAJAWA KC Jl. Soekarno-Hatta No. 2, Bajawa 0384 21362, 21366, 21711, 21024 21675 35963
4. BANGLI KC Jl. Kusumayuda No. 1, Komp. Kota Baru Bangli 0366 91019, 91039, 91398 92098 35547
35113,
5. DENPASAR KC Jl. Gajah Mada No. 5-7, Denpasar 0361 228817/8/9 263715
35684
Dps. Gatot
1. KCP Jl. Gatot Subroto No. 459 X, Denpasar 0361 430756 430752
Subroto
2. Hayam Wuruk KCP Jl. Hayam Wuruk No. 123, Denpasar 0361 231859 231859
3. WR. Supratman KCP Jl. WR. Supratman No. 104, Denpasar 0361 464627 464627
141.
6. DENPASAR RENON KC Jl. Kusumaatmaja No. 1, Denpasar 0361 233011 (hunting) 233021
1. Dps. Diponegoro KCP Jl. Diponegoro No. 220, Denpasar 0361 224580 224580
2. Undiknas KCP Jl. Watu Renggong No. 149, Denpasar 0361 233091 233091
21147, 21062, 21494, 22130,
7. DOMPU KC Jl. Akasia No. 62, Dompu 0373 21669 35344
21969
8. ENDE KC Jl. Soekarno No. 16, Ende 0381 23286, 21030, 21615, 21020 22870 35462
941097, 943150, 943038,
9. GIANYAR KC Jl. Pudak No. 19, Gianyar 0361 942266 35495
942273
1. Celuk KCP Jl. Raya Celuk No. 22, Gianyar 0361 296930 296930
2. Ubud KCP Jl. Cok Gde Rai No. 50, Ubud Gianyar, Bali 0361 972305 972305
10. KALABAHI KC Jl. Soetoyo No. 6, Kalabahi 0386 21584, 21040, 21461, 21392 21569 35793
31011, 31020, 31747, 31609,
11. KEFAMENANU KC Jl. Mayjend. El Tari No. 30, Kefamenanu 0388 31588 35964
31748
831010, 833788, 833353, 35435,
12. KUPANG KC Jl. Sukarno No. 18, Kupang 0380 831373
833481, 833463 35370
13. KUTA KC Jl. Raya Tuban Mo. 99 X, Kuta, Denpasar 0361 765573 765573
21053, 21506, 21030, 21605,
14. LARANTUKA KC Jl. Piere Tendean No. 3, Larantuka 0383 21563 35873
21819
Jl.. Trans Lembata Rayuan Kelapa Timur, Kel. Lewoleba
1. Lewoleba KCP 0383 41641 41641
Utara, Kec. Nubatukan, Kab. Lembata, NTT
15. MATARAM KC Jl. Pejanggik No. 16, Mataram 0364 631318, 638379, 633017 633084 35483
16. MAUMERE KC Jl. Don P.C.X. Da Silva No. 1, Maumere 0383 21788, 22210, 22206/7/8/9 21377 35932
17. NEGARA KC Jl. Udayana No. 13, Negara 0365 41076, 42661, 41890 42022 35400
18. PRAYA KC Jl. Gajah Mada No. 128, Praya 0370 654069, 653032 654911
19. RABA BIMA KC Jl. Pintu Gerbang No. 1, Raba Bima 0374 43352, 43122, 42997 43723 35475
20. RUTENG KC Jl. Yos Sudarso No. 25, Ruteng 0385 21603, 21764, 21722 22383 35382
1. Labuan Bajo KCP Jl. Soekarno-Hatta, Labuan Bajo, Manggarai Barat 0385 41995, 41474 41994
21. SELONG KC Jl. Pahlawan No. 92, Selong 0376 21242, 21428, 22680 21419 35343
22. SEMARAPURA KC Jl. Gunung Batukaru No. 7, Semarapura 0366 21042, 21328, 21805, 21841 21329 35473
23. SINGARAJA KC Jl. Ngurah Rai No. 74, Singaraja 0362 23432, 21980 24576 35493
1. Seririt KCP Jl. Sudirman No. 30 A, Seririt, Singaraja 0362 93302 92419
24. S O E KC Jl. M. Hatta No. 34, Soe 0388 21042, 21590, 21346 21144 35931
25. SUMBAWA BESAR KC Jl. Dr. Wahidin No. 13, Sumbawa Besar 0371 21006, 21940 22632 35384
26. TABANAN KC Jl. Gunung Semeru No. 1, Tabanan 0361 819034 814166, 35433
Jl. Ngurah Rai, No. 12 X, Bajera,
1. Bajera KCP 0361 8533782 810678
Kab. Tabanan
Jl. Raya Kediri No. 88 E,
2. Kediri KCP 0361 810982, 812338 812390
Kediri Tabanan
27. WAIKABUBAK KC Jl. Gajah Mada No. 30, Waikabubak 0387 21048, 21068, 21088, 21677 21218 35997
28. WAINGAPU KC Jl. Jend. A. Yani No. 36, Waingapu 0387 61030, 61921 62234 35433
MANADO KW Jl. Sarapung No. 4-6, Manado 0431 863592, 863378, 863778 862779
1. BITUNG KC Jl. Sudirman No. 1, Bitung 0438 21037, 21252, 21647 32177 74248
824156, 824465, 830201,
2. GORONTALO KC Jl. Jend. A. Yani No. 22, Gorontalo 0435 821046 74255
826657
3. KOTAMUBAGU KC Jl. Jend. A. Yani No. 311, Kotamobagu 0434 21887, 21014 21078, 21901 21224 74347
4. LIMBOTO KC Jl. Jend. Sudirman No. 269, Limboto 0436 881445/7, 880100 881446 74311
Jl. Trans Sulawesi, Desa Marisa Utara, Kec. Marisa, Kab.
1. Marisa KCP 0443 210369 210429
Pahuato
5. LUWUK KC Jl. Jend. A. Yani No. 179, Luwuk 0461 21103/04, 22756, 21153 75133
Banggai Jl. Mandapar, Kel. Lompio, Kec. Banggai, Kab. Banggai
1. KCP 0462 21555 21556
Kepulauan Kepulauan
863177, 863377, 852747, 74182,
6. MANADO KC Jl. Sarapung No. 4-6, Manado 0431 867435
866725 74282
1. Boulevard KCP Komp. Bahu Mall Blok S 2, Jl. W. Mongonsidi, Manado 0431 844700, 843375 841919
2. Martadinata KCP Jl. Martadinata No. 61, Kec. Tikala, Manado 0431 855031, 858784 873794
142.
75147,
7. PALU KC Jl. Dr. Mohamad Hatta No. 12, Palu 0451 454000/1/2/3, 466000 427140
75142
8. PARIGI KC Jl. Pasar Inpres Tagunu No. 227, Parigi 0450 21631/3/4, 21321 21632
9. POSO KC Jl. Pulau Sumatera No. 7, Poso 0452 21133, 21796, 21135 21134 75101
1. Ampana KCP Jl. Yos Sudarso No. 10, Ampana 0464 21095 21525
10. SOA SIU KC Jl. Pattimura No. 1, Soa Siu 0921 61046, 61600, 61896 61298 73262
11. TAHUNA KC Jl. Dr. Sutomo No. 50, Tahuna 0432 21318/9, 22784/5 22252 74178
12. TERNATE KC Jl. Pahlawan Revolusi No. 234, Ternate 0921 21280/90, 22072, 21926 25585 75157
1. Tobelo KCP Jl. Pelabuhan Kec. Gamsungi, Tobelo, Halmahera Utara 0924 22540 22540
13. TOLI-TOLI KC Jl. Usman Binol No. 144, Toli-Toli 0453 21195, 23195 75198
14. TONDANO KC Jl. Pinaesaan SK No. 17/31, Tondano 0431 321412, 321447/9, 321248 322420 74341
1. Tomohon KCP Jl. Raya Tomohon, Kel. Paslaten I Lingkungan No. 37 0431 355287 355289
MAKASSAR KW Jl. A. Yani No. 8, Makassar 0411 313174, 312931 365535
73112,
1. AMBON KC Jl. Diponegoro No. 29, Ambon 0911 356563, 315108, 355277 355177
73277
1. Waihaong KCP Jl. Sultan Babullah No. 18, Waihaong, Ambon 0911 314849, 356563 356565, 355277
2. BANTAENG KC Jl. Kartini No. 17, Bantaeng 0413 21093/5, 22476 21162 71366
3. BARRU KC Jl. Sultan Hasanuddin No. 90, Barru 0427 21080, 21118, 21600 21818 71385
Gedung BRI II Lt. 5,
BRI SYARIAH KP 021 5713115, 5709060 5713117
Jl. Jend Sudirman Kav 44-46, Jakarta 10210
1. JKT MAMPANG KC Jl. Mampang Prapatan No. 17, Blok G-H, Jakarta Selatan 021 7982538, 7982316 7996032
1. Benhil KCP Jl. Bendungan Hilir Raya No. 17 B, Jakarta Pusat 021 5723906/7 5723947
2. Otista KCP Jl. Otista No. 72, Jakarta Timur 021 2801348 2801351
Jkt Pondok Jl. Pahlawan Revolusi RT. 003/ 004, No. 16, Pondok
3. KCP 021 68196657, 68196653 8607095
Bambu Bambu, Jakarta Timur, 13430
4. Jkt Cibubur KCP Jl. Raya Lapangan Tembak No. I A, RT. 006/02, Cibubur 021 70263436/7 87713275
Jkt Pondok Plaza Pondok Gede Blok C, No. 5, Jl. Pondok Gede Raya,
5. KCP 021 68196656, 68196652 8469423
Gede Bekasi
2. SERANG KC Jl. Ahmad Yani No. 165, Sumur Pecung, Serang, Banten 0254 202011, 220377 220376
3. BANDUNG KC Jl. Karapitan No. 92, Kel. Cikawao Kodya Bandung 022 4214385, 4207162 4207158
1. Cimahi KCP Jl. Raya Cimahi No. 598, Cimahi 022 6631675 6632341
2. Lembang KCP Jl. Grand Hotel Lembang No. 21, Lembang, Jawa Barat 022 2784902 2784903
Jl. Siliwangi No. 181, Kel. Kejaksaan, Kec. Kejaksaan,
4. CIREBON KC 0231 207311, 231313, 231414 207311
Cirebon
Jl. K.H. Abdul Halim No. 491, Cigasong, Majalengka,
1. Majalengka KCP 0233 284445 284446
Jawa Barat
5. MALANG KC Jl. Kawi No. 37, Kel. Bareng, Kec. Kojen, Malang 0341 347925/26, 365269 347926
1. Pandaan KCP Delta Permai A. 37, Pandaan, Kab. Pasuruan, Jawa Timur 0343 630108 638308
Jl. Majapahit No. 226 B, Kel. Kalicari Kec. Pedurungan,
6. SEMARANG KC 024 6721849, 6718660 6718771
Semarang Timur
Ruko Kereta Api Indonesia (KAI)
1. Kudus KCP 0291 439474 439475
Jl. Jend. A. Yani Kudus, Jawa Tengah
Komp. Ruko Rungkut Megah Raya Blok L2-3,
7. SURABAYA KC Jl. Raya Kali Krukut No. 3, Kel. Panjang Jiwo, Kec. 031 8054362 532460
Rungkut, Surabaya
1. Sidoarjo KCP Jl. Ahmad Yani No. 35, Sidoarjo 031 8054362 8054361
Surabaya
2. KCP Gedung BRI Tower, Jl. Jend. Basuki Rachmat, Surabaya 031 5324633 5324640
Kaliasin
3. Gresik KCP Jl. Panglima Sudirman 031 3980980 3980973
Jl. K.H. Ahmad Dahlan No. 89, Kel. Notoprajan, Kec.
8. YOGYAKARTA KC 0274 411221 450603
Ngampilan, DI Yogyakarta
1. Sleman KCP Jl. Bhayangkara No. 18, Sleman, Yogyakarta 0274 867301 867302
Komp. Pertokoan Pante Priak
9. BANDA ACEH KC Jl. H. Dimurtala No. 6-7, Kec. Kuta Alam, Banda Aceh, 0651 638304/5, 635355 638306
NAD
143.
Jl. Veteran No. 37 D, Kel. Purus Selatan, Kec. Padang
10. PADANG KC 0751 38813/4 812660
Barat, Padang
Jl. Ahmad Yani KM 4.00 No. 31, Kel. Kebun Bunga, Kec.
11. BANJARMASIN KC 0511 3257991/2 3257995
Banjarmasin Timur
Jl. Dr. Ratulangi No. 7-9 Petak No. 3 & 4, Kel. Mangkura,
12. MAKASSAR KC 0411 83303, 8111156 8111157
Kec. Ujung Pandang, Kota Makassar
Jl. Taepur Yusuf No. 61, RT. 01/ 02, Kel. Pamoyanan,
13. CIANJUR KC 0263 270097, 263260 271909
Cianjur
14. BOGOR KC Jl. Padjajaran No. 53, Bantar Jati, Kec. Bogor Utara, Bogor 0251 313629 317442
1. Depok KCP Jl. Margonda Raya No. 297 Depok, Jawa Barat 021 77210587 77206807
15. KEDIRI KC Jl. Pahlawan Kusumabangsa No. 2, Desa Ngadirejo, Kediri 0354 682776, 672114 683142
16. SOLO KC Jl. Slamet Riyadi No. 325 Solo, Jawa Tengah 0271 728403 742906
17. MEDAN KC Jl. Gaot Suroto No. 189 DE, Medan 061 8826225 8830545
18. PALEMBANG KC Jl. Jend. Sudirman No. 926 B, Palembang 0711 353666 320321
19. SAMARINDA KC Jl. Abdul Hasan Kav. Samarinda, Kalimantan Timur 0541 744450 202353
20. PEKANBARU KC Jl. Ir. Juanda No. 81-83, Pekanbaru, Riau 076 839672 839674
21. TANJUNG KARANG KC Jl. Kartini No. 156 A, Tanjung Karang, Lampung 0721 265003, 267020 265007
22. MATARAM KC Jl. Pejanggih No. 47 E, Mataram-NTB 0370 639527 649271
Komp. Graha Arteri Mas No. 2, Arteri, Jl. Panjang No. 68,
23. JKT KEDOYA KC 021 58303563/4/5 58303567
Kedoya
1. Jkt-Palmerah KCP Jl. Palmerah Barat No. 50, RT. 003/04, Jakarta Barat 021 53678860 53671380
Jl. Ciledug Raya Komp. Cipulir Center No. B/2, Kebayoran
2. Jkt-Cipulir KCP 021 68196651 7206362
Lama, Jakarta Selatan
24. TANGERANG KC Jl. Merdeka No. 110 A, Tangerang, Banten 021 5522466 5579422
25. BALIKPAPAN KC Jl. Ahmad Yani No. 1 A, Gunung Sari, Balikpapan, Kal-Tim 0542 425314, 736767 732270
26. PONTIANAK KC Jl. Tanjung Pura No. 206 A, Pontianak, Kal-Bar 0561 762875, 760400 748600
27. JAMBI KC Jl. Sudirman No. 31 A-B, Hok, Jambi 074 22451 22317
Note
KW : Kantor Wilayah/Regional Office

KCK : Kantor Cabang Khusus/Special Branch Office
KC : Kantor Cabang/Branch Office
KCP : Kantor Cabang Pembantu/Sub-Branch Office
JKT : Jakarta
Statement of Responsibility for
Financial Reporting
144.
This Annual Report and the accompanying financial statements and related information, are the responsibility of the
management of PT Bank Rakyat Indonesia (Persero) Tbk., and have been approved by members of the Board of
Commissioners whose signatures appear below:
Bunasor Sanim
President Commissioner/Independent
Agus Pakpahan Agus Suprijanto

Commissioner Commissioner
Saifullah Yusuf B.S. Kusmuljono

Baridjussalam Hadi Aviliani

Independent Commissioner Independent Commissioner
Statement of Responsibility for
Financial Reporting
145.
This Annual Report and the accompanying financial statements and related information, are the responsibility of the
management of PT Bank Rakyat Indonesia (Persero) Tbk., and have been approved by members of the Board of
Directors whose signatures appear below:
Sofyan Basir
President Director
Sarwono Sudarto Abdul Salam Sulaiman A. Arianto

Director Director Director
A. Toni Soetirto Bambang Soepeno Sudaryanto Sudargo

Suprajarto Lenny Sugihat Asmawi Syam

Financial Statements
147.
PT Bank Rakyat Indonesia
(Persero) Tbk and subsidiary
Consolidated Financial Statements

with Independent Auditors’ Report
Year Ended 31 December 2008 and 2007
Purwantono, Sarwoko & Sandjaja
Registered Public Accountants No. KEP-122/KM.5/2006
A member firm of Ernst & Young Global Limited
Subsidiary Company
151.
273.
Subsidiary Company of BRI

(equity holdings of more than 50%)
Line of Share
No. Name Address Description
Businness Ownership
1 PT. Bank Syariah BRI *) Menara Jamsostek South Banking 99.99% Has been operating
Tower, 24th Floor since 2008 with total
Jl. Gatot Subroto 38 assets of Rp483.15
Jakarta 12710 billion and revenues of
Rp20.24 billion
*) - The Deed of Acquisition of the Shares of BJA by BRI has been signed on 19 December 2007 (Acquisition Deed no. 61)
- Pursuant to Decision Letter of the Governor of Bank Indonesia No.10/67/KEP.GBI/DpG/2008 dated 16 October 2008, as of 17
November 2008, PT. Bank Jasa Artha has changed its line of business to become a Commercial Bank that is engaged in banking
activities on the basis of sharia principles under the name of PT. Bank Syariah BRI
Corporate Information
152.
274.
Name of Company PT Bank Rakyat Indonesia (Persero) Tbk.
Establishment 18 December 1968 (Formally, based on Law No. 21 of 1968)
Composition of Shareholders (as of 31 December 2008)

• The Republic of Indonesia, 56.79%
• Management and Employees, 0.71%
• Public Shareholders, 42.50%
Share Listing Bursa Efek Indonesia/Indonesia Stock Exchange on 10 November 2003
Line of Business Banking
Ticker Code BBRI
Public Accountant Rating Agencies Corporate Secretary

Purwantono, Sarwoko & Sandjaja PT Pemeringkat Efek Indonesia Gedung BRI I Lt. 20
(Ernst & Young) (Pefindo) Jl. Jend. Sudirman Kav. 44-46
Indonesia Stock Exchange Building Setiabudi Atrium 8th Floor Jakarta 10210, Indonesia
Tower 2, 7th Floor Suite 809 - 810 Tel: (62-21) 575 1966
Jl. Jend. Sudirman Kav. 52–53 Jl. Rasuna Said Kav. 62 Fax: (62-21) 570 0916
Jakarta 12190 Jakarta 12920 email: [email protected]
Tel: (62-21) 52895000
Fax: (62-21) 52894100 Fitch Rating
PT Fitch Ratings Indonesia
Gedung Plaza DM, 24th Floor
Suite 2406
Shares Registrar Jl. Jend. Sudirman Kav. 25
PT Datindo Entrycom Jakarta 12920 - Indonesia
Jl. Jend. Sudirman Kav. 34-35
Jakarta 10220 Fitch Ratings Singapore Pte. Ltd.
Tel: (62-21)570 9009 6 Temasek Boulevard #35-03/04/05
Suntec Tower Four
Singapore 038986
Securities Depository Moody’s

KSEI (Kustodian Sentral Efek Indonesia) PT Moody’s Indonesia
Indonesia Stock Exchange Building, Menara Rajawali Lt. 22
Tower 1, Lt.5 Mega Kuningan Lot. 5.1
Jl. Jend. Sudirman, Kav.52-53 Jakarta - Indonesia
Jakarta, 12190
Moody’s Singapore Pte. Ltd.
Tel: (62-21) 5299 1003
50 Raffles Place #23-06
Fax: (62-21) 5299 1129
Singapore Land Tower
Singapore 048623
Contact Address
275.
153.
273.
Contact Address for Readers

PT Bank Rakyat Indonesia (Persero) Tbk.
Head Office
Gedung BRI I
Jakarta 10210, Indonesia
Tel: (62-21) 251 0244, 251 0254, 575 1966
Fax: (62-21) 250 0065, 250 0077, 570 0916
Corporate Secretary
Gedung BRI I Lt. 20
Tel: (62-21) 575 1966
Fax: (62-21) 570 0916
Website
www.bri.co.id
E-mail
[email protected]
154.
276.
This Page is Intentionally Left Blank

Annual R eport 20 0 8
PT Bank Rakyat Indonesia (Persero) Tbk.
Head Office
Ged ung BRI I
Jl. Jenderal Sudirman Kav. 44-46
Phone: (62-21) 251 0244, 251 0254, 575 1966
Facsimile: (62-21) 250 0065, 250 0077, 570 0916
Corporate Secretary
Ged ung BRI I 20 t h floor
Jl. Jendral Sudirman Kav. 44-46
Phone: (62-21) 575 1966
Facsimile: (62-21) 570 0916
Website
www.bri.co.id
E-mail
[email protected]

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What do

more than 30 million

1,769 More than

OVER 50 PRODUCTS AND SERVICES

01 BRI in Brief and Milestones 88 Institutional Business

Corporate Cultures Business Strategy

(in trillion Rupiah, except earnings per share)

2008 2007 2006 2005 2004

Financial Ratio (in percentage)

BRI’s Share Performance in 2008

Movement of Price and Transaction Volume of BRI Shares in 2008

Quarterly Share Price

Share Price Number

2003 2,579 990.47* 84.19 75.01

- 4% or Rp193,520,044,184 will be for the Fourth Agenda

Fifth Agenda Chronology of Share Listing

Phase III 117,647,050 20% 10 Nov 2005 Pursuant to

Share Ownership of BRI

Number of Shareholders Number of Shares Percentage

The Government of the 1 1 7,000,000,000 7,000,000,000 56.79% 56.83%

Public 10,574 8,845 5,325,299,500 5,317,800,500 43.21% 43.17%

Total 10,575 8,846 12,325,299,500 12,317,800,500 100% 100%

Infobank Magazine Bisnis Indonesia Daily

Investor Magazine Forbes Magazine:

SWA & Stern Steward & Co Alpha Southeast Asia

SWA Magazine MRI & Infobank Magazine

SWA and MARS Magazines MRI & Infobank Magazine

Asiamoney ABFI Banking Award &

Treasury Single Account

Assalamu’alaikum Wr. Wb.

Several key points that require the full attention of the

From left to right :

1. Bunasor Sanim 5. B. S. Kusmuljono

2. Agus Pakpahan 6. Baridjussalam Hadi

3. Agus Suprijanto 7. Aviliani

Assalamu’alaikum Wr. Wb.

From left to right :

1. Sofyan Basir 6. A. Toni Soetirto

2. Sarwono Sudarto 7. Lenny Sugihat

3. Abdul Salam 8. Bambang Soepeno

President Director (CEO)

Director of Director of Director of Director of Director of

Micro Business Funds Services General Business Institutional Retail Business

Retail Loans Credit Card Agribusiness

Treasury Credit Risk Risk Operations Cen- Internal

Financial & Loans Information Corporate

Loan Market Share Loan to Deposit Ratio (LDR)

Banking Sector Banking Sector

Deposit Market Share Ratio of Low-Cost Funds

8.56 7.00% 56.29 52.21 55.87

400 2006 2007 2008

0 -3.00% BRI Commercial Bank

Banking Sector Banking Sector

Net Interest Margin (NIM) Non Performing Loan (NPL) Ratio

BRI Commercial Bank BRI Commercial Bank

Banking Sector Banking Sector

Return on Assets (ROA) Capital Adequacy Ratio (CAR)

Banking Sector Banking Sector

General Overview of the Company financing working capital or other purposes.