Daftar Isi. Contents

Company Profile

PT Bank QNB Indonesia Tbk QNB Tower 18 Parc SCBD Jl. Jend. Sudirman Kav. 52-53 Jakarta 12190 Telp : (+6221) 515 5155 Fax : (+6221) 515 5388 e-mail : [email protected]

qnb.co.id

nt Is en i ts

Da ft Co ar

Company Profile

2

Sekilas Perusahaan

4

Jejak Langkah

6

Visi dan Misi

7

Ikhtisar Saham

9

Penghargaan

10

Apresiasi

11

Peta Operasional

13

Alamat Kantor Cabang

Company in Brief

Milestones

Vision and Mission

Stocks Highlights

Awards

Token of Appreciations

Operational Map

Branches Address

Sekilas QNB QNB at a Glance

16

Pemegang Saham Pengendali

19

Penghargaan

22

Jaringan Internasional QNB Group

Controlling Shareholder

Awards

QNB Group International Network

PT Bank QNB Indonesia Tbk

1

Company Profile

Sekilas Perusahaan Company in Brief

Selama lebih dari 100 tahun, PT Bank QNB Indonesia Tbk (selanjutnya disebut Bank) telah mencatatkan berbagai pencapaian bersejarah, prestasi dan komitmen kepada masyarakat Indonesia. Didirikan di Medan dengan nama NV Chunghwa Shangyeh Maatschappij (The Chinese Trading Company Limited) berdasarkan Akta Notaris No. 53 tanggal 28 April 1913, Bank terutama bergerak dalam bisnis simpan pinjam dan perdagangan umum. Hampir setengah abad kemudian, tepatnya pada tahun 1958, Bank resmi beroperasi sebagai Bank Umum berdasarkan Surat Keputusan Menteri Keuangan No. 191547/U.M.II tanggal 28 Oktober 1958. Sejak saat itu, Bank terus bertransformasi menjadi Perseroan Terbatas dengan nama PT Bank Chunghwa Shangyeh pada tahun 1962 dan kemudian berganti nama menjadi PT Bank Kesawan pada tahun 1965 dan memindahkan lokasi kantor pusat di Jakarta pada tahun 1990.

2


For over 100 years now, PT Bank QNB Indonesia Tbk (henceforward referred as the Bank) have recorded historic milestones, achievements and commitment to Indonesian community. Established as NV Chunghwa Shangyeh Maatschappij (The Chinese Trading Company Limited) in Medan based on the Notarial Deed No.53 dated April 28, 1913, the Bank is primarily engaged in the business of savings and loans as well as general trading. It is only in 1958, after almost half century later, that the company officially commenced its operation as a commercial bank based on Decree of the Minister of Finance No. 191547/U.M.II dated October 28, 1958. From there, it continued to be reformed as a Limited Liability Company, under a new name of PT Bank Chunghwa Shangyeh in 1962 and then PT Bank Kesawan in 1965 and relocated its head office to Jakarta in 1990.

Company Profile

Tercatat pada 5 November 2014 lalu inisiasi perubahan nama dan logo dari sebelumnya bernama PT Bank QNB Kesawan Tbk menjadi PT Bank QNB Indonesia Tbk. Sampai tahun 2016, PT Bank QNB Indonesia Tbk memiliki 49 Kantor Cabang dan 69 ATM yang tersebar di seluruh Indonesia serta didukung oleh lebih dari 49.000 jaringan ATM Bersama dan MEPS. Pada tahun 2015, Pemeringkat Efek Indonesia (PEFINDO) menetapkan peringkat “idAA” kepada PT Bank QNB Indonesia Tbk.

On November 5, 2014, the bank’s name and logo changed from PT Bank QNB Kesawan Tbk to PT Bank QNB Indonesia Tbk. Until 2016, PT Bank QNB Indonesia Tbk has 49 branches and 69 ATMs spread across Indonesia and supported by over 49,000 network of ATM Bersama and MEPS. In 2015, Indonesian Credit Rating Agency (PEFINDO) assigned a rating of “idAA” to PT Bank QNB Indonesia Tbk.

Selain meluncurkan strategi tahap berikutnya yaitu menjadi Salah Satu Bank Terkemuka di Indonesia yang tumbuh bersama dengan para pemangku kepentingan, Bank tetap berkomitmen terhadap kelangsungan usaha yang berkesinambungan dan kesejahteraan Indonesia. PT Bank QNB Indonesia Tbk bangga telah mendukung masyarakat, dunia usaha dan komunitas lokal selama 102 tahun terakhir dan berharap dapat terus melayani masyarakat Indonesia di tahun-tahun mendatang.

While launching the next phase of its strategy to become one of the leading bank in Indonesia that grows together with its stakeholders, the Bank remains committed to a sustainable growth as well as Indonesia prosperity. PT Bank QNB Indonesia Tbk is proud to support local people, businesses, and communities for the past 102 years and look forward to continue serving Indonesia communities in the years ahead.


3

Company Profile

Jejak Langkah Milestones

1913

1990

Pendirian Bank Kesawan di Medan dengan nama NV Chunghwa Shangyeh Maatschappij (The Chinese Trading Company Limited). The establishment of Bank Kesawan in Medan under the name of NV Chunghwa Shangyeh Maatschappij (The Chinese Trading Company Limited).

Relokasi kantor pusat ke Jakarta. Headquarter relocation to Jakarta.

1996 Memperoleh izin usaha sebagai Bank Devisa. Obtained the license to be a Foreign Exchange Bank.

1958 Mulai beroperasi sebagai bank umum. Operating as a commercial bank.

4

Perubahan nama menjadi PT Bank Chunghwa Shangyeh. Changed its name to PT Bank Chungwa Shangyeh.

Memperoleh kategori “Bank A” dari Bank Indonesia. Awarded “Bank A” category from Bank Indonesia.

1962

1998


Perubahan nama menjadi PT Bank Kesawan. Changed its name to PT Bank Kesawan.

IPO dengan mencatatkan 78,8 juta lembar saham di Bursa Efek Indonesia. Initial Public Offering by listing 78.8 million shares on the Indonesia Stock Exchange.

1965

2002

Company Profile

2009

2013

Rights Issue I. Rights Issue I.

Rights Issue III. Rights Issue III.

2014

2010

»

Reorganisasi; mengubah visi dan misi. Reorganisation, changed its vision and mission.

»

Mengubah nama dan logo menjadi PT Bank QNB Indonesia Tbk. Transformed its name and logo to PT Bank QNB Indonesia Tbk. Rights Issue IV meningkatkan kepemilikan saham QNB menjadi 82,59%. Rights Issue IV QNB share ownership increased to 82.59%.

Pembaharuan dan internalisasi QNB Values. Renewal and internalizaton of QNB Values. Pinjaman subordinasi senilai US$70 juta untuk jangka waktu 5 tahun, dan telah diperhitungkan sebagai tambahan modal Tier II per 30 September 2015. Subordinated loan amounted to US$ 70 million for 5 years, which has been calculated as Tier II Capital as of September 30, 2015.

Rights Issue II. « Rights Issue II. QNB menjadi pemegang « saham utama dengan kepemilikan 69,59% saham. QNB became the major shareholder, owned the Bank by 69.59%. Perubahan nama menjadi « PT Bank QNB Kesawan Tbk. Changed its name to PT Bank QNB Kesawan Tbk.

« «

2015

2011 Relokasi kantor pusat dan peluncuran logo baru. Relocation of headquarter and launching of new logo.

2012

Mendapatkan peringkat idAA dari PEFINDO. Rated idAA from PEFINDO. Mendapatkan penghargaan Vision Award 2015 dari LACP. Earned Vision Award 2015 from LACP.

« «

2016


5

Company Profile

Visi dan Misi

Vision and Mission

Visi

Vision

Sebelum 2017, kami akan menjadi: By 2017 we will be » Ikon* institusi keuangan di Indonesia yang tumbuh dan berkembang bersama para pemangku kepentingan kami. An icon* in Indonesia that grows together with our stakeholders. » Bank papan atas dalam hal kinerja keuangan di Indonesia. A top tier bank in terms of financial performance in Indonesia. * Dalam hal pemanfaatan teknologi untuk menghasilkan kenyamanan dan proses yang ringkas. * In terms of technology enabled convenience and simplicity of process.

Misi

Mission

Kami menyediakan produk dan layanan perbankan yang unggul, didukung oleh teknologi dan jaringan internasional yang menghasilkan peningkatan manfaat bagi para pemangku kepentingan untuk menjadi institusi keuangan pilihan. We provide outstanding technology enabled banking products and services supported by an international network that delivers enhanced stakeholders value to be a financial institution of choice.

Visi dan Misi Bank telah ditetapkan melalui SK Direksi No. 074/SKDireksi/VI/2015 tanggal 1 Juni 2015.

6


Company Profile

Ikhtisar Saham Stocks Highlights

Komposisi Pemegang Saham Shareholders’ Composition Masyarakat Public

9,26%

Qatar National Bank S.A.Q

PT Bosowa Kapital

8,15%

82,59%

Kronologi Pencatatan Saham Chronology of Share Listing Penjelasan Description Sebelum Penawaran Saham Umum Perdana (IPO) Before Initial Public Offering (IPO)

Aksi Korporasi Corporate Action -

Modal Disetor Paid-up Capital 321.200.000 saham/shares = Rp80.300.000.000

IPO (November 2002) IPO (November 2002)

Penawaran Umum Saham Perdana sebanyak 78.800.800 lembar saham dan tercatat di Bursa Efek Indonesia dengan kode ”BKSW” Initial Public Offering of 78,800,800 shares and listed on Indonesia Stock Exchange under the code of ”BKSW”

400.000.000 saham/shares = Rp100.000.000.000

Waran Seri I (November 2005) Warrant Series I (November 2005)

Eksekusi Waran Seri I menjadi 101.219.000 lembar saham Execution of Warrant Serial I into share of 101,219,000 shares

501.219.000 saham/shares = Rp125.304.750.000

Rights Issue I (Juli 2009) Rights Issue I (July 2009)

Penawaran Umum Terbatas dengan Hak Memesan Efek Terlebih Dahulu (Rights Issue) I terhadap 125.304.750 lembar saham Limited Public Offering with Preemptive Rights (Rights Issue) I of 125,304,750 shares

626.523.750 saham/shares = Rp156.630.937.500

Rights Issue II (Januari 2011) Rights Issue II (January 2011)

Penawaran Umum Terbatas dengan Hak Memesan Efek Terlebih Dahulu (Rights Issue) II terhadap 2.935.263.768 lembar saham Limited Public Offering with Preemptive Rights (Rights Issue) II of 2,935,263,768 shares

3.561.787.518 saham/shares = Rp890.446.879.500

Rights Issue III (Juni 2013) Rights Issue III (June 2013)

Penawaran Umum Terbatas dengan Hak Memesan Efek Terlebih Dahulu (Rights Issue) III terhadap 2.596.543.000 lembar saham Limited Public Offering with Preemptive Rights (Rights Issue) III of 2,596,543,000 shares

6.158.330.518 saham/shares = Rp1.539.582.629.500

Rights Issue IV (Juni 2014) Rights Issue IV (June 2014)

Penawaran Umum Terbatas dengan Hak Memesan Efek Terlebih Dahulu (Rights Issue) IV terhadap 2.598.815.479 lembar saham Limited Public Offering with Preemptive Rights (Rights Issue) IV of 2,598,815,479 shares

8.757.145.997 saham/shares = Rp2.189.286.499.250


7

Company Profile

Penghargaan Awards

01

02

03

04

06

1.

Anugerah Perbankan Indonesia 2015 (Diberikan oleh Majalah Economic Review) Peringkat Pertama "Finance: Efficiency & Profit" 2. Anugerah Perbankan Indonesia 2015 (Diberikan oleh Majalah Economic Review) » Peringkat Kedua Bank BUKU II » Peringkat Ketiga GCG » Peringkat Ketiga Risk Management 3. Anugerah Perbankan Indonesia 2015 (Diberikan oleh Majalah Economic Review) Peringkat Ketiga Marketing 4. Anugerah Perbankan Indonesia 2015 (Diberikan oleh Majalah Economic Review) Peringkat Pertama Human Capital 5. Indonesia Improvement Award 2015 (Diberikan oleh Indonesia Improvement Award) The Most Improved Banking of the Year 6. 4th Infobank Digital Brand of the Year 2015 (Diberikan oleh Majalah Infobank) Peringkat Pertama Kategori Produk Brand Kartu ATM 7. Vision Award 2015 (Diberikan oleh League of American Communications Professionals) » Platinum Award » Top 10 Indonesian Annual Reports of 2015 » Top 80 Annual Reports in the Asia-Pacific Region

8


05

07

1.

Indonesia Banking Award 2015 (Presented by Economic Review Magazine) 1st place, “Finance: Efficiency & Profit” 2. Indonesia Banking Award 2015 (Presented by Economic Review Magazine) » 2nd place, Bank BUKU II » 3rd place GCG » 3rd place Risk Management 3. Indonesia Banking Award 2015 (Presented by Economic Review Magazine) 3rd place, Marketing 4. Indonesia Banking Award 2015 (Presented by Economic Review Magazine) 1st place, Human Capital 5. Indonesia Improvement Award 2015 (Presented by Indonesia Improvement Award) The Most Improved Banking of the Year. 6. 4th Infobank Digital Brand of the Year 2015 (Presented by Infobank Magazine) 1st place, ATM Card Product Category 7. Vision Award 2015 (Presented by League of American Communications Professionals) » Platinum Award » Top 10 Indonesian Annual Reports of 2015 » Top 80 Annual Reports in the Asia-Pacific Region

Company Profile

Apresiasi

Token of Appreciations

1

6

1. 2. 3. 4. 5. 6. 7. 8.

2

7

3

4

8

Kemitraan Wealth Management dengan PT Danareksa Investment Management Kemitraan Wealth Management dengan PT Batavia Prosperindo Aset Manajemen Kemitraan Wealth Management dengan PT First State Investments Indonesia Kemitraan Wealth Management dengan PT Syailendra Capital Kemitraan Wealth Management dengan PT Mandiri Manajemen Investasi Kemitraan Wealth Management dengan PT Trimegah Asset Management Outstanding Engagement Award dalam acara AIA Bancassurance Award 2015-2016 Apresiasi diberikan tahun 2016 atas kemitraan strategis PT Bank QNB Indonesia Tbk dan PT Commonwealth Life dengan meluncurkan produk Invest Link Assurance. 9. Apresiasi diberikan tahun 2016 atas kemitraan strategis PT Bank QNB Indonesia Tbk dan PT Prudential Life Assurance dengan meluncurkan produk Sparklink Assurance. 10. Rakernas Perbarindo 2015 Kendari, Sulawesi Tenggara

9

5

10

1. 2. 3. 4. 5. 6. 7. 8.

Wealth Management Partnership with PT Danareksa Investment Management Wealth Management Partnership with PT Batavia Prosperindo Aset Manajemen Wealth Management Partnership with PT First State Investments Indonesia Wealth Management Partnership with PT Syailendra Capital Wealth Management Partnership with PT Mandiri Manajemen Investasi Wealth Management Partnership with PT Trimegah Asset Management Outstanding Engagement Award in the event of AIA Bancassurance Award 2015-2016 Appreciation is awarded in 2016 on on strategic partnership of PT Bank QNB Indonesia and PT Commonwealth Life upon the launching of Invest Link Assurance. 9. Appreciation is awarded in 2016 on strategic partnership of PT Bank QNB Indonesia and PT Prudential Life Assurance upon the launching of Sparklink Assurance. 10. Perbarindo National Congress 2015 Kendari, Southeast Sulawesi


9

Company Profile

Peta Operasional Operational Map

Palembang 1 Kantor Cabang 1 Branch Office

Jakarta

Semarang

19 Kantor Cabang 19 Branch Offices


Medan 7 Kantor Cabang 7 Branch Offices

Pematangsiantar 1 Kantor Cabang 1 Branch Office

Batam 1 Kantor Cabang 1 Branch Office

Depok 1 Kantor Cabang 1 Branch Office

Bekasi 2 Kantor Cabang 2 Branch Offices

Pekanbaru

Tangerang


1 Kantor Cabang 1 Branch Office

10


Bandung 2 Kantor Cabang 2 Branch Offices

Company Profile

Solo 1 Kantor Cabang 1 Branch Office

Makassar Pasuruan



Balikpapan 1 Kantor Cabang 1 Branch Office

Surabaya

Denpasar




11

Company Profile

Alamat Kantor Cabang Branches Address JAKARTA Bank QNB Indonesia KC SCBD QNB Tower Lantai Dasar, 18 Parc SCBD, Jl. Jenderal Sudirman Kav 52 - 53 Jakarta 12190 Tel : (+62 21) 515 505 8 Fax : (+62 21) 515 538 8 Bank QNB Indonesia KCP Central Park Komplek Central Park Ruko Garden Shopping Arcade Blok Beaufort 8 No.8 EJ Jl. Tanjung Duren Raya Kav. 5-9 Jakarta 11470 Tel : (+62 21) 292 064 00 Fax : (+62 21) 292 064 01 Bank QNB Indonesia KCP Green Garden Rukan Golden Green No.7 Jl. Kedoya Raya, Kedoya Utara Jakarta 11520 Tel : (+62 21) 581 913 3 Fax : (+62 21) 582 912 6 Bank QNB Indonesia KCP Kapuk Komplek Duta Harapan Indah Jl. Kapuk Muara Blok A/6 No. 7 Jakarta 14460 Tel : (+62 21) 668 342 9 Fax : (+62 21) 662 696 1 Bank QNB Indonesia KCP Menara Jamsostek Gedung Menara Jamsostek Lantai Dasar, Menara Selatan Jl. Jend Gatot Subroto Kav. 38 Jakarta 12710 Tel : (+62 21) 252 548 0 Fax : (+62 21) 252 547 0

12


Bank QNB Indonesia KCP Permata Hijau The Belleza Shopping Arcade Apart. Belleza Arteri Permata Hijau Jl. Letnan Jenderal Soepono No.34, Blok Sa-06, Kebayoran lama Jakarta 12240 Tel : (+62 21) 299 160 22 Fax : (+62 21) 299 161 60

Bank QNB Indonesia KCP Sunter Jl. Danau Sunter Utara Blok G7 Kav. 1 No. 7 Sunter Podomoro Jakarta 14350 Tel : (+62 21) 653 030 66 Fax : (+62 21) 653 031 10

Bank QNB Indonesia KCP Pluit Ruko Sentra Bisnis Pluit Jl. Pluit Sakti Raya No. 28 Blok A.12 Jakarta 14450 Tel : (+62 21) 668 172 2 Fax : (+62 21) 668 122 6

Bank QNB Indonesia KC Tanah Abang Jl. KH. Fachrudin 36 Blok BB No. 2 Tn. Abang Bukit Jakarta 10250 Tel : (+62 21) 398 317 08 Fax : (+62 21) 344 046 8

Bank QNB Indonesia KCP Pondok Indah Jl. Sultan Iskandar Muda no. 28L Jakarta 12240 Tel : (+62 21) 728 953 77 Fax : (+62 21) 723 803 6

Bank QNB Indonesia KCP Kelapa Gading Jl. Boulevard Blok LB-3 No. 22 Jakarta 14240 Tel : (+62 21) 453 303 3 Fax : (+62 21) 453 305 5

Bank QNB Indonesia KCP Puri Indah Jl. Puri Indah Raya Blok I No. 19 Jakarta 11610 Tel : (+62 21) 583 546 66 Fax : (+62 21) 583 576 66

Bank QNB Indonesia KC Kebayoran Jl. Panglima Polim No. 9 - 10 Jakarta 12160 Tel : (+62 21) 727 973 23 Fax : (+62 21) 723 411 1

Bank QNB Indonesia KCP Mega Kuningan Gedung Kantor Taman A9 Blok A9/B9 unit A1 Kawasan Mega Kuningan Jakarta 12950 Tel : (+62 21) 576 108 8 Fax : (+62 21) 576 107 7

Bank QNB Indonesia KCP Pulo Gadung Pulo Gadung Trade Center Jl Raya Bekasi KM 21, Ruko A2/20 Kawasan Industri Pulo Gadung Jakarta 13920 Tel : (+62 21) 468 002 22 Fax : (+62 21) 468 003 00

Bank QNB Indonesia KCP Mangga Dua Mangga Dua Blok E IV No. 4 Jakarta 14430 Tel : (+62 21) 600 987 0 Fax : (+62 21) 600 987 1

Bank QNB Indonesia KC Gajah Mada Mediterania Gajah Mada Tower Alpha No. TUD16 Lt. UG Jl. Gajah Mada No. 174 Jakarta 11130 Tel : (+62 21) 630 215 1 Fax : (+62 21) 630 215 2

Company Profile

Bank QNB Indonesia KCP Roxy Komp. Ruko Roxy Mas Jl. KH. Hasyim Ashari Blok E1 No.6 Kel. Cideng Jakarta Pusat 10150 Tel : (+62 21) 638 595 55 Fax : (+62 21) 638 522 55 Bank QNB Indonesia KCP Taman Palem Ruko Taman Palem Lestari Jl.Kamal Raya Outer Ringroad Blok A No. 58 Cengkareng, Jakarta 11730 Tel : (+62 21) 556 2003 Fax : (+62 21) 556 2004

TANGERANG Bank QNB Indonesia KCP Alam Sutera Perumahan Alam Sutera Komp. Pertokoan Sutera Niaga I No. 35, Jl. Raya Serpong Tangerang 15310 Tel : (+62 21) 539 933 2 Fax : (+62 021) 539 933 8

DEPOK Bank QNB Indonesia KCP Depok Jl. Margonda Raya No.197 A Depok 16423 Tel : (+62 21) 772 189 99 Fax : (+62 21) 772 189 89

BEKASI Bank QNB Indonesia KCP Bekasi Kalimalang Commercial Centre Jl. Ahmad Yani Blok A2 No. 1 Bekasi 17144 Tel : (+62 21) 889 65561 Fax : (+62 21) 889 65562

Bank QNB Indonesia KCP Jababeka Cikarang Komplek Ruko Capitol Business Park Blok 2A, Jl. Niaga Raya, Desa Pasir Sari, Kecamatan Cikarang Selatan, Kabupaten Bekasi, Jawa Barat 17530 Tel : (+62 21) 898 358 90 Fax : (+62 21) 898 358 95

BANDUNG Bank QNB Indonesia KC Bandung Dago Jl. Ir. H. Juanda No. 11 (Dago) Bandung 40116 Tel : (+62 22) 842 810 91 Fax : (+62 22) 422 286 0 Bank QNB Indonesia KCP Bandung BKR Jl. BKR No. 100 Bandung 40254 Tel : (+62 22) 522 586 8 Fax : (+62 22) 522 288 3

SEMARANG Bank QNB Indonesia KC Semarang Gajah Mada Jl. Gajah Mada No.101 B Semarang 50134 Tel : (+62 24) 865 690 99 Fax : (+62 24) 865 690 88 Bank QNB Indonesia KCP Semarang MT. Haryono Jl. MT. Haryono No. 729 Semarang 50242 Tel : (+62 24) 844 899 9 Fax : (+62 24) 844 399 9

SOLO Bank QNB Indonesia KC Solo Jl. Slamet Riyadi No. 312 Surakarta 57141 Tel : (+62 271) 745 1580 Fax : (+62 271) 745 1581

SURABAYA Bank QNB Indonesia KC Surabaya Darmo Jl. Raya Darmo No. 108 Surabaya 60264 Tel : (+62 31) 568 753 0 Fax : (+62 31) 567 809 0 Bank QNB Indonesia KCP Surabaya Kembang Jepun Jl. Kembang Jepun No. 88 Surabaya 60161 Tel : (+62 31) 354 268 83 Fax : (+62 31) 354 263 1 Bank QNB Indonesia KCP Surabaya Ngagel Kom. Pertokoan RMI D1-D2 Jl. Ngagel Jaya Selatan Surabaya 60238 Tel : (+62 31) 501 324 2 Fax : (+62 31) 501 324 5

PASURUAN Bank QNB Indonesia KCP Pasuruan Ruko Grand Parimas Blok A-6 Jl. Panglima Sudirman Pasuruan – 67115 Tel : (+62 343) 564 577 7 Fax : (+62 343) 564 566 6


13

Company Profile

BATAM Bank QNB Indonesia KC Batam Komplek Jodoh Square Blok A No. 2 - 3 Jl. Raja Ali Haji Sei Jodoh Batam 29453 Tel : (+62 778) 456 126 Fax : (+62 778) 424 281

MAKASSAR Bank QNB Indonesia KC Makassar Jl. Veteran No. 402 Makassar 90124 Tel : (+62 411) 853 422 Fax : (+62 411) 856 292

PEMATANG SIANTAR Bank QNB Indonesia KC Pematang Siantar Jl. Sutomo No. 5L Pematang Siantar 21117 Tel : (+62 622) 296 66 Fax : (+62 622) 246 91

MEDAN Bank QNB Indonesia KC Medan Pemuda Jl. Pemuda no. 5 Medan 20151 Tel : (+62 61) 415 292 9 Fax : (+62 61) 415 565 6 Bank QNB Indonesia KCP Medan Sutomo Jl. Sutomo No. 128 Medan 20213 Tel : (+62 61) 736 250 0 Fax : (+62 61) 734 323 3

14


Bank QNB Indonesia KCP Medan Asia Jl. Asia No. 97P Medan 20212 Tel : (+62 61) 735 111 8 Fax : (+62 61) 735 295 7 Bank QNB Indonesia KCP Medan Petisah Jl. Rotan No. 65 Medan 20112 Tel : (+62 61) 453 761 6 Fax : (+62 61) 452 350 1 Bank QNB Indonesia KCP Medan Bogor Jl. Bogor No. 55 Medan 20212 Tel : (+62 61) 452 336 2 Fax : (+62 61) 453 611 6 Bank QNB Indonesia KCP Krakatau Jl. Gunung Krakatau No. 88C Medan 20239 Tel : (+62 61) 664 103 1 Fax : (+62 61) 664 103 2 Bank QNB Indonesia KCP Medan Centre Point Komp. Ruko Centre Point Blok G No. 19, Kel. Gang Buntu, Kec. Medan Timur Kota Medan, Sumatera 20231 Tel : (+62 61) 805 108 78 Fax : (+62 61) 805 104 89

PALEMBANG Bank QNB Indonesia KC Palembang Jl. Jenderal Sudirman No. 589-592 Kel. 20 Ilir III, Kec. Ilir Timur 1 Palembang 30128 Tel : (+62 711) 318 853 Fax : (+62 711) 318 854

DENPASAR Bank QNB Indonesia KC Renon Jl. Raya Puputan Renon No. 58A Denpasar 80234 Tel : (+62 361) 233 777 Fax : (+62 361) 239 779

PEKANBARU Bank QNB Indonesia KCP Pekanbaru Riau Jl. Riau No. 149 G Pekanbaru 28282 Tel : (+62 761) 444 68 Fax : (+62 761) 444 70 Bank QNB Indonesia KC Pekanbaru Sudirman Jl. Jend. Sudirman No. 303 & 305 Pekanbaru 28112 Tel : (+62 761) 333 08 Fax : (+62 761) 333 98 Bank QNB Indonesia KCP Pekanbaru Nangka Jl. Tuanku Tambusai No. 305 Pekanbaru 28155 Tel : (+62 761) 429 91 Fax : (+62 761) 429 89

BALIKPAPAN Bank QNB Indonesia KC Balikpapan Jl. Jend. Sudirman No. 353 Balikpapan 76114 Tel : (+62 542) 882 095 5 Fax : (+62 542) 882 095 6

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Company Profile


15

Company Profile

Pemegang Saham Pengendali Controlling Shareholder

Qatar National Bank S.A.Q (QNB Group) didirikan pada tahun 1964 sebagai bank komersial Qatar pertama yang dimiliki oleh negara, dengan pembagian struktur kepemilikan antara Qatar Investment Authority (50%) dan anggota masyarakat (50%). QNB Group telah tumbuh stabil menjadi bank terbesar di Qatar serta sebagai institusi finansial terkemuka di wilayah Timur Tengah dan Afrika Utara dengan pangsa pasar sekitar 45% di sektor industri perbankan. QNB Group hadir melalui anak perusahaan dan perusahaan asosiasinya di lebih dari 30 negara dan 3 benua, menyediakan rangkaian produk dan jasa yang lengkap. Dengan jumlah staf lebih dari 27,300 yang melayani lebih dari 20 juta pelanggan, beroperasi di lebih 1,200 lokasi dan dengan jaringan ATM lebih dari 4,300 mesin.

Qatar National Bank S.A.Q (QNB Group) was established in 1964 as the country’s first Qatari-owned commercial bank, with an ownership structure split between the Qatar Investment Authority (50%) and (50%) held by members of the public. QNB Group has steadily grown to be the biggest bank in Qatar and leading financial institution in the Middle East and North Africa Region with a market share around 45% of banking sector assets. QNB Group is present, through its subsidiaries and associate companies, in more than 30 countries across three continents providing a comprehensive range of products and services. QNB Group staff exceeds 27,300 serving more than 20 million customers through 1,200 locations and 4,300 ATMs.

16


Company Profile

Pencapaian

Achievement

Berdasarkan kinerja finansial yang kuat dan berkelanjutan serta perluasan keberadaannya di lingkup internasional, QNB Group saat ini menduduki peringkat ke-79 sebagai bank paling bernilai di Timur Tengah dan Afrika senilai USD2,6 miliar pada tahun 2015 berdasarkan Majalah Brand Finance.

Based on the Group’s continuous strong financial performance and its expanding international presence, QNB is currently ranked as the most valuable bank brand in The Middle East and Africa, with a current world ranking of 79 in 2015 and a brand valuation of $2.6 billion according to Brand Finance Magazine.

Untuk dua tahun berturut-turut, 2014-2015, QNB diakui sebagai “Bank Terbaik di Timur Tengah” oleh Majalah Euromoney.

For two consecutive years, 2014 and 2015, the Bank was recognized as “The Best Bank in The Middle East” by Euromoney Magazine.

Bloomberg Markets, penyedia berita bisnis, keuangan, dan ekonomi terkemuka memposisikan QNB Group sebagai “Salah Satu Bank Terkuat Dunia” di tahun 2014.

Bloomberg Markets, the leading provider of business, financial, and economic news ranked QNB as “One of the World’s Strongest Banks” again in 2014.

The Global Finance Magazine memposisikan QNB Group sebagai “Salah Satu dari 50 Bank Teraman di Dunia” pada tahun 2013.

The Global Finance Magazine ranked QNB as “One of The Top 50 Safest Banks in the World” in 2013.

Peringkat

Rating

QNB memiliki rating dari Moody’s, Standard and Poor’s, Capital Intelligence, dan Fitch sebagai berikut:

According to Moody’s, Standard and Poor’s, Capital Intelligence, and Fitch, QNB Ratings are as follows:

Rating oleh Capital Intelligence Capital Intelligence Rating

Rating oleh Moody’s Moody’s Rating

Foreign Currency Long Term

Short Term

AA-

A1+

Bank Deposits

Financial Strength

Support Rating

Outlook

AA-

1

Stable

Long Term

Short Term

Aa3

P-1

Financial Strength

Outlook

C-

Stable

Rating oleh Fitch Fitch Rating

Rating oleh Standard and Poor’s Standard and Poor’s Rating Bank Credit and Deposits Long Term

Short Term

A+

A-1

Outlook

Long Term

Short Term

Support

Viability

Outlook

Stable

AA-

F1+

1

a

Stable


17

Company Profile

Subsidiary Name of Subsidiary

Negara Country of Incorporation

Tahun Penggabungan Year of Incorporation

Kepemilikan % Ownership %

Luxemborg

2004

100%

Housing Bank for Trade and Finance (HBTF)

Jordan

2007

35%

CSI QNB Property

France

2008

100%

QNB Capital LLC

Qatar

2008

100%

Commercial Bank International (CBI)

UAE

2008

40%

Switzerland

2009

100%

Syria

2009

51%

Cayman Island

2010

100%

Bank of Commerce & Development

Libya

2010

20%

QNB Financial Services SPC

Qatar

2011

100%

Indonesia

2011

82,59%

Al-Mansour Investment Bank

Iraq

2012

51%

Al Jazeera Finance Company

Qatar

2012

20%

QNB Tunisia

Tunisia

2013

99,96%

QNB ALAHLI

Egypt

2013

97,12%

QNB India Private Limited

India

2013

100%

Ecobank Transnational Incorporated (Ecobank)

Togo

2014

20%

Turkey

2016

99,81%

QNB International Holdings Limited

QNB Banque Privee QNB - Syria QNB Finance Ltd.

QNB Indonesia

Finansbank

Susunan permodalan dan pemegang saham QNB per tanggal 31 Desember 2015 Shareholder structure as per December 31, 2015 Pemegang Saham Shareholder

Jumlah Saham (lembar) Number of Shares (shares)

Persentase Persentage

Pemerintah Qatar q.q Qatar Holding LLC Pemerintah Qatar q.q Qatar Holding LLC

349,864,719

50%

Publik Public

349,864,719

50%

Jumlah Modal Ditempatkan dan Disetor Penuh Total Issued and Fully Paid

699,729,438

100%

18


Company Profile

Penghargaan Awards

» » »

Bank of the Year- (Middle East): 2013 Bank of the Year (Qatar): 2005, 2007-2010 Deal of the Year: 2011

» » » » » » » »

» » » » » » » » » »

» » » » » »

The Best Bank in the Middle East: 2014-2015 The Best Bank in Qatar: 1997-2004, 2007, 2009-2015 Best Overall Private Banking Service: 2014 Best Local Private Bank in Qatar: 2007 Best Debt House: 2005 Best Range of Advisory Service: 2014 Best Net-Worth Specific Services for Super-Affluent Clients: 2014 Best Fixed Income Portfolio Management: 2014 Best Real Estate Investment: 2014 Best Private Equity Investment: 2014

Best Transaction Bank in the Middle East & Africa: 2015 Best Credit Card Product: 2015 Best Direct Bank: 2015 Sub- Custodian Bank of the year in Qatar: 2015 Best Cash Management Bank in Qatar: 2015 Best Trade Finance Bank in Qatar: 2015

» » »

One of The World’s Top 50 Safest Commercial Banks: 2014-2015 Best Bank in Qatar: 1999-2004, 2006-2009, 2013-2014 Best Investment Bank Qatar: 2013-2014,2016 Best Investment Bank in Frontier Markets: 2013 One of The World’s Best Foreign Exchange Providers (Middle East): 2004, 2006, 2007, 2009, 2014 Best Foreign Exchange Provider in Qatar: 2016 Best Trade Finance Provider in Qatar: 2006, 2009, 2016 Best Treasury and Cash Management Bank and Provider: 2005 Best e-bank in Qatar: 2007 Best Internet Bank Award: 2007 World’s Best Internet Bank: 2006

» »

Best Bank Brand in the Middle East and Africa: 2015 Best Bank Brand in the Middle East and North Africa: 2014

» »

Regional Asset Manager of the Year: 2014 Asset Manager of the Year in Qatar: 2013, 2015

»

Ship Finance Award: 2010, 2013


19

Company Profile

» » » » » »

» »

Best Bank in the Middle East: 2012 Best Bank in Qatar: 2012, 2015 Best Corporate Bank in Qatar: 2004 Best Retail Bank in Qatar: 2004 Best SME Customer Service in Qatar: 2016 Best Managed Advisory Service in Qatar: 2016

» »

Best Customer Experience - Overall Bank in Qatar: 2014-2015 Best Customer Experience - Overall Branch in Qatar: 2014

»

Qatar Equity Fund of the Year, Al-Watani Fund: 2015

»

First Bank in Qatar to be awarded the ISO 22301:2011 certification in Business Continuity Management (BCM). First Bank in Qatar to awarded the ISO 27001 certification in Information Security Management for Datacenter Operations. QNB awarded the ISO 27001 certification in Information Security Management for E-Business Applications. QNB awarded the ISO 27001:2013 certification in Information Security Management for Customer Care Center Operations.

Elite JPMorgan Quality Recognition Award: 2004,2005,2007,2010,2016 JPMorgan Bank Quality Award for Operational Performance: 1999-2004

» » » »

Best Local Investment Bank in Qatar: 2010 Best Asset Manager in Qatar: 2010 Best IPO in the Middle East: 2009

»

Best Company for Investor Relations in Qatar: 2014

» »

»

20


Euro STP Excellence Award: 2007 -2010

Company Profile

“Elite J.P. Morgan Quality Recognition Award”, 2010 Qatar National Bank (QNB), lembaga keuangan terkemukan di Qatar dan salah satu yang terbesar di kawasan Timur Tengah dan Afrika Utara, meraih penghargaan prestisius J.P. Morgan Quality Recognition Award atas keberhasilan mencapai 99% untuk Straight Through Processing (STP) untuk sektor Komersial maupun Treasury.

Qatar National Bank (QNB) as the leading financial institution in the Middle East and North Africa Region received a prestigious J.P. Morgan Quality Recognition Award for its 99% achievement in STP (Straight Through Processing) in commercial and treasury business unit.

“Best IPO in the Middle East”, 2010 Melalui anak usahanya di bidang investment banking financial advisory, QNB Capital, menerima penghargaan “Best IPO in the Middle East” dari majalah Emea Finance yang diselenggarakan di London.

The Group’s subsidiary, QNB Capital, which specializing in investment banking and financial advisory was awarded “Best IPO in the Middle East” from Emea Finance Magazine at their award ceremony in London.

“QNB - The First Qatar Bank that received ISO 27001:2005 Standard Disaster Recovery Operation”, 2010 Bureau Veritas memberikan sertifikasi khusus standard ISO untuk QNB ISO 27001:2005 setelah melalui audit kepatuhan yang mendetil sesuai spesifikasi.

Having gone through a detailed and specified compliance audit, Bureau Veritas issued a special standard ISO certification for QNB ISO 27001:2005.

“Middle East’s Bank of The Year”, 2012 The Banker, publikasi yang juga dimiliki Financial Times, memberikan Qatar National Bank (QNB) sebagai “Middle East’s Bank of The Year” tahun 2012.

The Banker, owned by Financial Times, rated Qatar National Bank (QNB) as the “Middle East’s Bank of The Year” in 2012.

“The World’s Strongest Bank”, 2013

Bloomberg, penyedia Bisnis terkemuka, berita keuangan dan ekonomi telah memberikan peringkat untuk QNB sebagai Bank Terkuat di Dunia di tahun 2012. 78 bank dalam daftar peringkat Bloomberg sudah termasuk beberapa lembaga keuangan terbesat dan paling terkemuka di dunia, QNB menjadi satu-satunya bank dari kawasan MENA.

Blommbergs markets, the leading provider of Business, financial and economic news has ranked QNB as the World’s Strongest Bank in its 2012 ranking. The 78 banks in Bloomberg’s ranking list included some of the largest and most renowned financial institutions in the world, with QNB being the only bank from MENA Region.


21

Company Profile

Jaringan Internasional QNB Group QNB Group International Network

Cabang Internasional dan Kantor Perwakilan QNB Group QNB Group International Branches and Representative Offices China

Lebanon

South Sudan

Room 930, 9th Floor Shanghai World Financial Center 100 Century Avenue, Pudong New Area Shanghai - China Tel : (+86) 21 6877 8980 Fax : (+86) 21 6877 8981

Ahmad Shawki Street Capital Plaza Building Mina El Hosn, Solidere Beirut – Lebanon. Tel : (+961) 1 762 222 Fax : (+961) 1 377 177 [email protected]

Juba P.O. Box: 587 - South Sudan Tel : (+211) 912 15 5822 [email protected]

France 65 Avenue d’Iena 75116 Paris Tel : (+33) 1 53 23 00 77 Fax : (+33) 1 53 23 00 70 [email protected]

India Mumbai – India Tel : (+91) 22 2652 5612 [email protected]

Iran Representative Office 6th Floor Navak building Unit 14 Africa Tehran - Iran Tel : (+98) 21 8888 9814 Fax : (+98) 21 8888 9824 [email protected]

Kuwait Al-Arabia Tower, Ahmad Al-Jaber Street, Sharq Area P.O. Box: 583 Dasman 15456 - Kuwait Tel : (+965) 2226 7000/7023 Fax : (+965) 2226 7031 [email protected]

22


Mauritania Al-Khaima City Center - 10 Rue Mamadou Konate - Mauritania Tel : (+222) 4524 9651 Fax : (+222) 4524 9655 [email protected]

Oman QNB Building, MBD Area - Matarah Opposite to Central Bank of Oman P.O. Box: 4050, Postal Code: 112 Ruwi - Oman Tel : (+968) 24 725 555 Fax : (+968) 24 779 233 [email protected]

Singapore Three Temasek Avenue, #27-01 Centennial Tower Singapore 039190 Singapore Tel : (+65) 6499 0866 Fax : (+65) 6884 9679 [email protected]

Sudan QNB Building Africa Road Amarat Street No. 9 P.O. Box: 8134 Tel : (+249) 183 48 0000 Fax : (+249) 183 48 6666 [email protected]

United Kingdom 51 Grosvenor Street London W1K 3HH - United Kingdom Tel : (+44) 207 647 2600 Fax : (+44) 207 647 2611 [email protected]

Vietnam Times Square Building 10th Floor, 57-69F, Dong Khoi Street, Ben Nghe Ward, District 1, Ho Chi Minh City, Vietnam Tel : (+848) 3911 7525 Fax : (+848) 3827 9889 [email protected]

Yemen QNB Building, Alzubairy Street P.O. Box 4310 Sana’a - Yemen Tel : (+967) 1 517 517 Fax : (+967) 1 517 666 [email protected]

Company Profile

Anak Perusahaan dan Perusahaan Asosiasi QNB QNB Subsidiaries and Associate Companies Algeria

India

Jordan

The Housing Bank for Trade and Finance Subsidiary 16 Rue Ahmed Ouaked – Dali Ibrahim P.O.Box: 103 Algiers, Algeria Tel : (+213) 21918787 Fax : (+213) 21918881 [email protected]

QNB India Private Limited Associate Company 802 TCG Financial Centre, C 53, G Block Bandra Kurla Complex, Bandra East 400 051 Mumbai, India Tel : (+91) 22 26525613 [email protected]

Bahrain

Indonesia

The Housing Bank for Trade and Finance Subsidiary Parliament Street, Abdali P.O. Box: 7693 Postal Code 11118 Amman, Jordan Tel : (+962) 6 500 5555 Fax : (+962) 6 56781211 [email protected]

The Housing Bank for Trade and Finance Subsidiary Al Manama Center P.O. Box: 5929 Manama, Bahrain Tel : (+973) 1 7225227 Ext.: 800/808 Fax : (+973) 1 7212822 [email protected]

PT Bank QNB Indonesia Tbk Associate Company QNB Tower, 18 Parc SCBD Jl.Jend. Sudirman Kav. 52-53 12190 Indonesia, Jakarta Tel : (+62 21) 515 5155 Fax : (+62 21) 515 5388 [email protected]

Egypt

Iraq

Palestine

QNB ALAHLI Associate Company Dar Champollion 5 Champollion St Downtown 2664 Cairo, Egypt Tel : (+202) 2770 7000 Fax : (+202) 2770 7799 [email protected]

Mansour Bank Associate Company Al Wihda Area, district 14 building 51 Al Alawiya 3162 Baghdad, Iraq Tel : (+964) 1 7175586 Fax : (+964) 1 7175514 [email protected]

The Housing Bank for Trade and Finance Subsidiary Ramallah, AlQuds St., Padico Building P.O. Box: 1473 West Bank, Palestine Tel : (+970) 2 2986270 Fax : (+970) 2 2986275 [email protected]

Libya Bank of Commerce and Development Subsidiary BCD Tower, Gamal Abdel Nasser Street P.O. Box: 9045, Al Berka Benghazi, Libya Tel : (+218) 619 080 230 Fax : (+218) 619 097 115 www.bcd.ly


23

Company Profile

Qatar

Togo

Al Jazeera Finance Company Associate Company Al Sadd area, Suhaim bin Hamad st. P.O. Box: 22310 Doha, Qatar Tel : (+974) 4405 0444 Fax : (+974) 4405 0445 [email protected]

Ecobank Transnational Incorporated Subsidiary 20, Avenue Sylvanus Olympio P.O. Box: 3302 Lomé, Togo Tel : (+228) 22 21 72 14 Fax : (+228) 22 21 42 37 [email protected]

Switzerland

Tunisia

QNB Banque Privée Associate Company 3 Rue des Alpes P.O. Box: 1785 1201 Genève-1 Mont Blanc Genève, Switzerland Tel : (+41) 22907 7070 Fax : (+41) 22907 7071 [email protected]

QNB Tunisia Associate Company Rue de la Cité des Sciences P.O. Box: 320 – 1080 Tunis, Tunisia Tel : (+216) 71 754 911 Fax : (+216) 70 728 533 www.qnb.com.tn

Syria QNB Syria Associate Company Al Abbassiyeen Square P.O. Box: 33000 Damascus, Syria Tel : (+963) 11 2290 1000 Fax : (+963) 11 44 32221 [email protected]

24


UAE Commercial Bank International p.s.c Subsidiary Al Riqqa Street, Deira P.O. Box: 4449 Dubai, UAE Tel : (+971) 4 2275 265 Fax : (+971) 4 2279 038 cbiuae.com

nt Is en i ts

Da ft Co ar

Company Profile

PT Bank QNB Indonesia Tbk QNB Tower 18 Parc SCBD Jl. Jend. Sudirman Kav. 52-53 Jakarta 12190 Telp : (+6221) 515 5155 Fax : (+6221) 515 5388 e-mail : [email protected]

qnb.co.id

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