UOB Buana Annual Report 2007 - United Overseas Bank

RIGHT ON COURSE
PT BANK UOB BUANA TBK.
(A SUBSIDIARY OF UNITED OVERSEAS BANK LIMITED)
Annual Report 2007

PT BANK UOB BUANA TBK.
(INCORPORATED IN INDONESIA)
CONTENTS
Corporate Information
UOB Buana at a Glance
Financial Highlights and Financial Ratios
Stock Highlights and Shareholders Information
Events and Activities in 2007
Message from the President Commissioner
Profile of Commissioners
Report from the President Director
Profile of Directors
Business Development
Human Resources
Systems and Infrastructure
Branch Office Network
Corporate Governance
Corporate Social Responsibility
Audit Committee Activity Report
Risk Management
Management’s Analysis and Discussion
Accountability Statement of Commissioners and Directors
Audited Financial Statements
Corporate Data
All figures in this Annual Report are in Indonesia Rupiah unless otherwise specified
1
2
4
6
10
14
16
18
21
25
30
32
33
34
43
44
48
52
62
65
143

CORPORATE INFORMATION
PT Bank UOB Buana Tbk.
Head Office
Jl. Gajah Mada No. 1A, Jakarta 10130
Tel. : (021) 63865927, 6330585 (Hunting)
Fax. : (021) 6324467
Swift : BBIJIDJA
Website : www.uobbuana.com
Type of Business
Banking
Date of Establishment
August 31, 1956
Notarized by Eliza Pondaag, SH No. 150
Republic of Indonesia Ministry
of Justice Decree No. J.A.5/78/4
dated October 24, 1956
Business License
Republic of Indonesia Ministry
of Finance Decree No. 203443/U.M II
dated October 15, 1956
Commenced operations on
November 1, 1956
Decision of the Governor of Bank Indonesia
No. 9/14/KEP.GBI/2007
dated February 28, 2007
on changing the Business License to
PT Bank UOB Buana Tbk.
Share Capital
Par Value Rp 250,-
Authorized shares 18,000,000,000
Issued and fully paid
6,653,357,004 shares
Stock Exchange
Indonesia Stock Exchange (ISX)
1
Ticker Symbol
ISX: BBIA
Share Registrar
PT Sirca Datapro Perdana
Jl.Johar No. 18, Menteng
Jakarta 10340, Indonesia
Tel. : (021) 3900645
Fax. : (021) 3900671
Public Accountant
Ernst & Young
Purwantono,Sarwoko & Sandjaja
Gedung Bursa Efek Jakarta
Tower 2, 7th Floor
Jl. Jend. Sudirman, Kav. 52 - 53
Jakarta 12190, Indonesia
Tel. : (021) 52895000
Fax. : (021) 52894100
Corporate Rating
PT Pemeringkat Efek Indonesia
(PEFINDO)
Setiabudi Atrium, 8th Floor,
Suite 809-810
Jl. H.R. Rasuna Said,
Kav. 62, Kuningan
Jakarta 12920, Indonesia
Tel. : (021) 5210077
Fax. : (021) 5210078
Corporate Secretary
Susan Kwanto
Jl. Gajah Mada No. 1A
Jakarta 10130, Indonesia
Tel. : (021) 6330585
Fax. : (021) 6312340
Email : cst@uobbuana.com
PT Bank UOB Buana Tbk.

UOB BUANA AT A GLANCE
PT Bank UOB Buana Tbk. was founded as PT Bank Buana Indonesia on August 31, 1956. The Bank received
its business license in October 1956 and started operations on November 1, 1956. Over the next five decades,
it grew to become a leading bank in financing Small and Medium-sized Enterprises (SMEs) in Indonesia.
The Bank acquired three banks in Bandung, Semarang and Jakarta in between 1972 and 1975, and became
a foreign-exchange licensed bank in 1976. It successfully weathered the financial crisis that hit Asia in 1997
without the need for government recapitalization. This success was followed by the Bank’s listing on the
Jakarta Stock Exchange and Surabaya Stock Exchange in 2000.
In 2004, United Overseas Bank Limited (UOB) of Singapore acquired a 23% stake in the Bank through
its wholly-owned investment company, UOB International Investment Private Limited (UOBII). UOBII
increased its shareholding to 53% in October 2005. A tender offer for the remaining shares of the Bank
in November 2005 increased UOBII’s shareholding by 8.1% to 61.1%.
On March 9, 2007, in line with the resolution of the Extraordinary General Meeting of Shareholders
in January 2007, the Bank officially changed its name to PT Bank UOB Buana Tbk. (UOB Buana). This move
was to leverage the strong brand name of UOB in Southeast Asia.
As at year end-2007, UOB Buana’s service network comprised 35 branch offices, 170 sub-branch offices
and 126 ATMs across 30 cities in 18 provinces throughout Indonesia. To further improve our banking services,
UOB Buana also collaborated with ALTO and ATM Bersama, enabling the Bank’s customers to access
over 18,000 ATMs in Indonesia and over 1,000,000 ATMs worldwide using the Visa network. In addition,
UOB Buana is linked to the regional and global network of UOB.
In line with UOB’s vision to be a premier bank in Asia Pacific, UOB Buana strives to expand its business
in consumer and corporate banking, while maintaining its leadership in the SME financing segment. Supported
by an extensive service network, effective information technology systems, sound capital structure as well
as experienced management and human resources, UOB Buana is committed to creating sustainable
long-term value for its stakeholders.
PT Bank UOB Buana Tbk.
2

1956
The Bank was founded as
PT Bank Buana Indonesia
and commenced operations
1972
Acquired PT Bank Pembinaan Nasional
– Bandung
1974
Acquired PT Bank Kesejahteraan Masyarakat
– Semarang
2000
Initial Public Offering (IPO) leading to listing
on Jakarta Stock Exchange and
Surabaya Stock Exchange
2003
International Finance Corporation (IFC),
subsidiary of World Bank became the first
foreign stakeholder in the Bank through
Limited Public Offering II
2004
UOB International Investment Private Ltd.
(UOBII) became the second largest
shareholder after PT Sari Dasa Karsa
UOB BUANA AT A GLANCE
1975
Acquired PT Bank Aman Makmur
– Jakarta
1976
Became a foreign exchange bank
1998
Received a predicate category “A”
from Bank Indonesia
2005
IFC divested its stake in UOB Buana
UOBII increased its ownership to 61.10%
and become the majority shareholder
2007
Name changed from
PT Bank Buana Indonesia Tbk.
to PT Bank UOB Buana Tbk.
(UOB Buana)
3 PT Bank UOB Buana Tbk.

FINANCIAL HIGHLIGHTS
Balance Sheets
ITEMS
December 31
(in billion of Rupiah) 2007 2006 2005 2004 2003
Assets
Cash on Hand
Demand Deposits with Bank Indonesia
Demand Deposits with Other Bank - Net
Placements with BI and Other Bank - Net
Securities - Net
Securities Purchased Under Reselling
Agreement - Net
Derivative Receivable - Net
Loans Receivable - Net
Acceptances Receivable - Net
Investments - Net
Deferred Tax Assets - Net
Fixed Assets - Net
Others Assets - Net
Total Assets 18,260.09 16,856.12 15,999.51 16,353.68 14,335.12
Liabilities and Equity
Immediate Liabilities
Demand Deposits
Savings Account
Time Deposits
Certificate of Deposits
Deposits from Other Banks
Taxes Payable
Derivative Liabilities
Accrued Interest Expenses
Acceptances Liability
Borrowings
Subordinated Bonds
Estimated Loss on Commitments and
Contigencies
Liability for Employee Benefits
Other Liabilities
Total Liabilities
Total Equity
Total Liabilities and Equity
Income Statements
ITEMS
(in billion of Rupiah)
Interest Revenue
Interest Expenses
Net Interest Income
Other Operating Income - Net
Provision for Possible Losses
on Assets and Estimated Losses
on Comitment and Contigencies
Other Operating Expenses
Operating Income
Non Operating Income (Expense) - Net
Net Income Before Tax
Tax Expenses
Net Income of the Year
Earnings per share (in whole Rupiah)
PT Bank UOB Buana Tbk.
219.14
892.70
168.92
877.55
3,059.15
-
-
12,455.49
24.36
0.03
20.18
349.24
193.33
61.11
3,541.63
4,758.67
4,990.58 -
743.28
53.07
1.32
28.49
24.58
16.33
294.98
2.81
16.41
169.18
14,702.44
3,557.65
18,260.09
2007
1,836.77
681.07
1,155.70
144.04
36.90
733.41
603.23
1.15
604.38
184.08
420.30
63
4
182.75
957.09
91.16
1,416.70
3,525.63
-
0.04
10,108.44
28.28
0.03
26.23
365.54
154.23
67.32
3,114.87
4,126.03
5,224.52 -
462.83
74.14
0.04
38.23
28.55
22.22
293.92
2.04
10.31
122.77
13,587.79
3,268.33
16,856.12
2006
2,183.72
1,009.90
1,173.82
125.14
(66.58)
639.50
592.88
(5.67)
587.21
177.97
409.24
65
130.56
1,002.61
127.64
1,528.57
2,494.19
-
0.02
10,126.48
24.06
0.03
19.55
367.87
177.93
10.30
3,115.83
4,051.85
5,724.33 -
367.61
43.56
0.02
34.91
24.50
28.55
295.43
2.11
12.22
119.16
13,830.38
2,169.13
15,999.51
2005
1,673.99
745.30
928.69
121.81
(76.26)
518.47
455.77
36.43
492.20
146.40
345.80
59
126.52
897.84
83.44
537.32
5,934.04
506.83
0.32
7,758.26
36.52
0.03
13.05
322.57
136.94
73.79
3,569.67
4,767.14
5,083.36 -
416.99
48.16
0.01
24.75
37.05
34.89
294.15
3.14
14.37
84.31
14,451.78
1,901.90
16,353.68
141.35
603.24
63.19
645.77
6,624.12
473.22
2.53
5,267.83
18.22
0.32
9.61
321.79
163.93
62.61
3,148.25
4,347.16
4,809.30
0.01
102.43
17.68
0.08
22.54
18.40
41.23 -
2.65
8.92
70.56
December 31
2004 2003
1,497.96
623.58
874.38
86.96
(15.14)
551.62
394.58
18.16
412.74
129.16
283.58
49
12,651.82
1,683.30
14,335.12
1,559.22
873.27
685.95
89.90
1.61
459.66
317.80
1.48
319.28
97.43
221.85
61

FINANCIAL RATIOS
ITEMS
December 31
(in percentage) 2007 2006 2005 2004 2003
Financial Ratios
Total Liabilities to Total Assets
Total Liabilities to Total Equity
Total Loan Receivable to Total Assets - Net
Total Earning Assets to Total Assets - Net
Total Third-Party Funds to Total Assets
Operational Ratios
Net Interest Income to Average
Total Assets
Net Interest Income to Average
Total Equity
Net Interest Income to Average
Total Earning Assets (NIM)*
Net Other Operational Expenses to Average
Total Assets
Net Other Operational Expenses to Average
Total Equity
Net Other Operational Expenses to Net Average
Total Earning Assets
Return on Assets*
Return on Equity*
Net Income to Net Average
Total Productive Assets
Operating Income to Interest Revenue
Net Income Before Tax to
Interest Revenue
Net Income to Interest Revenue
Growth Ratios
Net Interest Income
Operating Income
Net Income
Total Assets
Total Liabilities
Total Equity
Other Ratios
Loans Receivable to
Net Earning Assets
Loans Receivable to
Third Party Funds (LDR) *
Allowances for Uncollectible Loans to
Total Loans Receivable
Non Performing Loans to Total Loans
Receivable (NPL Gross*)
Non Performing Loans to Total Loans
Receivable (NPL Net*)
Capital Adequacy Ratio (CAR)* for Credit Risk
Capital Adequacy Ratio (CAR)* for Credit Risk
and Market Risk
* Calculated in accordance with Bank Indonesia regulations
5
80.52
413.26
68.21
90.83
72.79
6.58
33.86
7.07
3.15
16.19
3.48
3.40
13.18
2.65
32.84
32.90
22.88
(1.54)
1.75
2.70
8.33
8.20
8.85
75.10
95.23
1.56
3.34
2.69
27.94
27.24
80.61
415.74
59.97
90.00
73.95
7.15
43.18
7.65
3.54
21.37
3.94
3.47
16.05
2.78
27.15
26.89
18.74
26.40
30.08
18.34
5.35
(1.75)
50.67
66.63
83.03
2.33
4.39
3.25
30.83
30.36
86.44
637.60
63.29
89.38
80.58
5.74
45.62
6.51
2.92
23.23
3.24
3.13
18.91
2.37
27.23
29.40
20.66
6.21
15.51
21.94
(2.17)
(4.30)
14.05
70.81
79.96
1.77
2.35
1.66
20.15
19.86
88.37
759.86
47.44
90.85
82.06
5.70
48.78
6.12
3.13
26.77
3.43
2.66
17.75
2.03
26.34
27.55
18.93
27.47
24.16
27.83
14.08
14.23
12.99
52.22
58.55
1.26
1.61
1.50
22.12
21.83
88.26
751.61
36.75
91.35
85.84
4.97
46.40
5.35
2.67
24.90
2.92
2.31
17.00
1.76
20.38
20.48
14.23
10.25
(7.96)
(11.70)
7.93
5.36
32.17
40.23
43.37
1.28
0.86
0.75
22.32
PT Bank UOB Buana Tbk.
-

STOCK HIGHLIGHTS AND SHAREHOLDERS INFORMATION
STOCK HIGHLIGHTS
Corporate Actions
Initial Public Offering
Share Dividend
Bonus Share
Limited Public Offering I
Stock Split
Limited Public Offering II
Share Dividend
Bonus Share
Share Dividend
Bonus Share
Limited Public Offering III
Share Performance
UOB International Investment Private Limited
PT Sari Dasa Karsa
Public
Total
Dividend Payment
July 20, 2000
May 17, 2002
May 17, 2002
September 20 - 27, 2002
December 23, 2002
May 28 - June 5, 2003
November 4, 2003
November 4, 2003
May 12, 2005
May 12, 2005
June 9 - 19, 2006
Type of Dividend
Distribution Date
Outstanding Shares
Weighted Average Number of Outstanding Shares
Book Value (Rp billion)
Highest Price
Lowest Price
Closing Price
Earning Per Share
Price Earning Ratio
Share Price (Rp)
1 st
2 nd
3 rd
4 th
Quarter
Quarter
Quarter
Quarter
1,000
1,020
1,050
1,200
6
950
980
970
990
New Shares
(share)
-
223,689,754
47,133,917
248,164,734
1,488,988,405
744,494,202
306,091,338
959,549,650
410,821,132
367,309,605
887,114,267
4,067,140,767
1,780,043,475
806,172,762
6,653,357,004
Issued Shares
(share)
970,000,000
1,193,689,754
1,240,823,671
1,488,988,405
2,977,976,810
3,722,471,012
4,028,562,350
4,988,112,000
5,398,933,132
5,766,242,737
6,653,357,004
Par Value
(Rp)
500
500
500
500
250
250
250
250
250
250
250
2007 2006
2005
980
980
1,020
1,030
6,653,357,004
6,307,752,071
3,268.33
1,000
870
970
65
14.92
970
1,000
940
970
1,198,500
607,500
2,314,000
986,500
900
910
870
930
5,766,242,737
5,823,905,164
2,169.13
970
830
950
59
16.10
Trading Volume 2007 2006
1 st
2 nd
3 rd
4 th
Quarter
Quarter
Quarter
Quarter
900
920
930
970
1,788,000
996,000
2,793,000
2,721,000
Shareholders Number of Shares %
Fiscal
Year
Payment
Date
6,653,357,004
6,653,357,004
3,557.65
1,200
950
1,030
63
16.35
Total Dividend
(Rp milion)
61.13
26.75
12.12
100.00
Dividend Pay-
Out Ratio
2000
Dividend
July 5, 2001
31,040
31%
2001
Dividend
May 17, 2002
129,980
50%
Interim Dividend
March10, 2003
56,998
2002
Final Dividend
June 3, 2003
18,642
30%
Interim Dividend November 4, 2003
42,250
2003
Final Dividend
June 29, 2004
24,342
30%
2004
Dividend
May 12, 2005
85,097
30%
2005
Dividend
July 3, 2006
103,792
30%
2006 Dividend
August 1, 2007
122,774
30%
PT Bank UOB Buana Tbk.
2007
Highest Lowest Closing
2006
Highest Lowest Closing

SHAREHOLDERS INFORMATION
Shareholding of Board Members
Share ownership by the Board of Commissioners and Board of Directors in the Bank is as follows:
Name
Wee Cho Yaw
Lee Chin Yong Francis
Wee Ee Cheong
Karman Tandanu
Rusdy Daryono
Armand B. Arief
Wang Lian Khee
Aris Janasutanta Sutirto
Eddy Muljanto
Pardi Kendy
Safrullah Hadi Saleh
Ishak Sumarno
Goh Seng Huat
Francis Hsu
Soehadie Tansol
Shareholding Structure
Notes
SDK
UOBII
UOBS
:
: PT Sari Dasa Karsa
: UOB International Investment Private Limited
: United Overseas Bank Limited
Bank
7
Position
President Commissioner
Vice President Commissioner
UOB Buana
Ownership
SDK Individual I UOBII
Public
26.75% 0.91%
61.13%
11.21%
UOBS
100%
Commissioner
Commissioner
Independent Commissioner
President Director
Vice President Director
Director
Director
Director
Director
Director
Director
Director
Compliance Director
Shareholding structure of the Bank as at December 31, 2007 is as follows:
-
-
-
0.16%
-
-
-
-
0.45%
PT Bank UOB Buana Tbk.
-
-
-
-
-
-

Individual I consists of:
Individual I (Founding Shareholders)
Eddy Muljanto
Karman Tandanu
Lukito Winarto
Siang Hadi Widjaja
Sastro Wijatno
Sri Muljati Suwito
Types of Transaction
(in billion Rupiah)
8
Ownership Percentage
Total 0.91
Transactions with Related Parties
As at December 31, 2007, the Bank has certain transactions with related parties, with the following
balances:
Current Account with Other Banks
Placements with Other Banks
Loan
Demand Deposits
Savings Account
Time Deposits
Commission Income
Insurance Expense
Rental Expense
Use of Proceeds from Public Offerings
Limited Public Offering (Rights Issue III)
No.
1
2
3
4
5
PT Bank UOB Buana Tbk.
2007
Amount % of total
45.86
140.90
78.63
249.98
100.50
305.70
1.92
0.65
7.39
(in million Rupiah)
Description Amount
Proceeds from Rights Issue III
(887,114,267 x Rp 900,-)
Share issuance cost
Net proceeds from Rights Issue III
Funds utilization from Rights Issue III
Funds remaining from Rights Issue III
0.45
0.16
0.04
0.02
0.18
0.06
0.25
0.77
0.46
1.70
0.68
2.08
0.10
0.09
1.01
798,403
2,306
796,097
739,065
57,032

Unrealized proceeds of Rights Issue III of Rp 57,032 million is for the development of the Information Technology
System and at the end of this reporting period is invested in securities in the form of Certificates
of Bank Indonesia (SBI) for one month with an interest rate of 8.25% p.a.
AWARDS & RATINGS
Awards
In 2007 the Bank received the following awards:
Ratings
•
•
•
•
Indonesia Bank Loyalty Champion of 2007 in the Savings category awarded
by the InfoBank magazine in cooperation with MarkPlus Research
Bank honored with a “Very Good” grade from InfoBank magazine for financial
performance in 2006 and also received the Golden Trophy Award for its success
in maintaining the “Very Good” grade for financial performance for five
consecutive years, from 2002 to 2006
On December 10, 2007, Indonesia’s rating company (PT PEFINDO) upgraded
the rating of the Bank from idA+ (Single A Plus; Stable Outlook) to idAA-
(Double A Minus; Stable Outlook) and at the same time upgraded the rating
of the Bank’s Subordinated Bond I of 2004 from idA (Single A; Stable Outlook)
to idA+ (Single A Plus; Stable Outlook) for the period of December 5, 2007
to December 1, 2008
The international rating agency, Fitch Ratings granted the National Long-Term
Rating of the Bank as AA+ (idn) with a support rating of “3”
9
PT Bank UOB Buana Tbk.

EVENTS AND ACTIVITIES IN 2007
January
UOB Buana Rebranding Name
During the Extraordinary General Meeting of
Shareholders of Bank Buana at the Four Seasons
Hotel in Jakarta, the Shareholders approved the
Bank’s change of name to UOB Buana.
April
The Champions Seminar
The Champions Seminar, a motivational seminar
was launched in April. It was attended by staff from
various divisions and branches. The seminar’s objective
was to help participants recognize their strengths
and weaknesses, build discipline and responsibility.
PT Bank UOB Buana Tbk.
10
June
New Board Members
Shareholders approved the appointment of
Mr. Armand B. Arief as President Director and
Mr. Hsu Francis as Director during the Annual
and Extraordinary General Meetings of Shareholders
held at the Four Seasons Hotel, Jakarta.
August
Leadership Management Style Training
The first session of the leadership style training
was held at The Hotel Yasmin, Cianjur, West Java.
Participants included Division Heads, Regional
Managers and Branch Managers. The training also
discussed the Bank’s vision, mission and business
strategy, with the President Director, Mr. Armand B.
Arief as the facilitator.

Relaunch of UOB Classic and Gold Visa Credit
Card along with Launch of UOB Platinum Visa
Credit Card
The Bank re-launched the Visa Classic and Gold
Credit Card with a new look, more attractive
features and regional benefits during an event at
the Intercontinental Hotel, Jakarta. At the same
event, the Bank also launched the new Visa Platinum
Credit Card.
September
3rd Sales Convention & Training in Beijing
To increase motivation and as a show of appreciation
to the sales teams, the Bank held the 3rd Sales
Convention & Training workshop in Beijing, China.
The event was attended by the UOB Buana sales
team who had won the Great Wall of China training
and tour contest.
Sports Festival
To improve camaraderie and teamwork, the Bank
held the UOB Buana Sports Festival on July 7-
September 8. The event was a success and
the closing ceremony was officiated by Mr. Wang
Lian Khee, Vice President Director of the Bank, and
was attended by 3,000 staff.
11 PT Bank UOB Buana Tbk.

UOB Buana Scholarships
As a part of HR initiatives and the Bank’s commitment
to Corporate Social Responsibility (CSR), scholarships
were disbursed to the children of employees with
good academic results. Mr. Wang Lian Khee and
Mr. Pardi Kendy represented the Board of Directors
and presented the scholarships to the recipients. For
the academic year 2007 – 2008, the Bank disbursed
scholarships to 208 students from Elementary School
and Junior High School.
PT Bank UOB Buana Tbk.
12
October
UOB Buana CSR Program
The Bank initiated the first stage of its social program,
with its employees visiting several orphanages in
Jakarta and Serang, Banten Province to donate staple
goods packages and prayer kits.

Fast Breaking
Harmoni Branch held a Fast Breaking event which
was officiated by Director Mr. Pardi Kendy.
UOB Buana Rebranding
The UOB Buana Rebranding project entered its final
stage with its implementation in all Branches and
Sub-Branches in Indonesia.
December
Sacrifice (Qurban) Event
UOB Buana, together with the Workers Union, held
a feast in conjunction with the “Sacrifice (Qurban)
Event” to commemorate Idul Adha. The offering of
eight cows was distributed to employees and locals.
The event was held in Jakarta and Bandung Branches.
13 PT Bank UOB Buana Tbk.

MESSAGE FROM THE PRESIDENT COMMISSIONER
Wee Cho Yaw
President Commissioner
2007 marked a new beginning for the Bank as it
began operations as PT Bank UOB Buana Tbk.
(UOB Buana). The rebranding not only enabled the
Bank to build upon its existing strength in commercial
banking for Small and Medium-sized Enterprises
(SMEs), but also reinforced its position in the
Indonesian banking industry.
Notwithstanding the international financial turmoil
caused by the US sub-prime mortgage and
collateralized debt obligation (CDO) crisis, Indonesia’s
economy grew by 6.3% in 2007. This represented
the highest growth since the Asian financial crisis
ten years ago, placing Indonesia on the economic
growth highway. Political stability and prudent macro-
economic policy supported the economic growth
PT Bank UOB Buana Tbk.
14
momentum. Indonesia continues to provide a
conducive environment that attracts real investment
flow to support economic growth.
In the midst of promising economic growth, the
national banking sector showed a positive trend
in 2007. Aggregately, banking credit grew 25.5%
to Rp 1,045.7 trillion and deposits grew 17.4% to
Rp 1,510.8 trillion. The reduction in the BI rates from
9.75% in December 2006 to 8% in December 2007
and the favorable investment climate contributed to
healthy credit growth in Indonesia.
We are pleased to report that UOB Buana had
performed satisfactorily and was not adversely
impacted by the effects of the sub-prime mortgage
issues or credit crunch that gripped the global
markets, in particular the US financial industry in
2007. The Bank achieved a net profit after tax of
Rp 420.30 billion in 2007, representing a growth
of 2.70% over the Rp 409.24 billion in 2006.
During the year, the Bank had also taken significant
steps to strengthen its corporate governance, risk
management and internal control frameworks. This
had enabled the Bank to increase its lending activities
to the consumer segment. Various training programs
were also conducted to create awareness amongst
our employees and improve their understanding of

anking risks following Bank Indonesia’s guidelines.
This will prepare the Bank for future challenges, such
as the implementation of Basel II standards as outlined
by Bank Indonesia.
In 2007, UOB Buana focused its efforts to achieve
greater synergies between its key business
and operation functions. The Bank has been able to
tap the expertise, experience and know-how of the
UOB Group to enhance its presence within the
Indonesian financial landscape, while continuing to
leverage the UOB Group’s extensive network in
Southeast Asia.
On behalf of the Board of Commissioners, I thank
Mr. Jimmy Kurniawan Laihad for his contributions
to the Bank as the President Director. His term of
office ended in May 2007. I am pleased to welcome
Mr. Armand B. Arief as the new President Director
of UOB Buana who brings with him 35 years
of experience in banking and consumer products
in Indonesia. I also extend a warm welcome to
Mr. Wee Ee Cheong, Deputy Chairman and Chief
Executive Officer of the UOB Group, who joined
the Board of Commissioners during the year.
The achievements of UOB Buana in 2007 would not
have been possible without the contributions of a
dedicated team. I want to record my appreciation
to all stakeholders of UOB Buana for their trust and
support, to fellow Commissioners for their wise
counsel, and to the Board of Directors, management
staff and employees for their efforts to grow the
Bank. With your support, I believe that UOB Buana
will continue to have good growth ahead.
15 PT Bank UOB Buana Tbk.

PROFILE OF COMMISSIONERS
Wee Cho Yaw, President Commissioner
Lee Chin Yong Francis , Vice President Commissioner
PT Bank UOB Buana Tbk.
Singapore citizen. Born in 1929. A career banker with more than 40 years of experience.
Received Chinese High School education. President Commissioner of UOB Buana since
December 2005. Chairman of United Overseas Bank (UOB) and its Executive Committee
and Remuneration Committee, as well as a member of its Nominating Committee.
Chairman of UOB subsidiaries: Far Eastern Bank, United Overseas Insurance, United
Overseas Bank (Malaysia), PT Bank UOB Indonesia (President Commissioner) and United
Overseas Bank (Thai). Chairman of United International Securities, Haw Par Corporation,
UOL Group, Hotel Plaza, United Industrial Corporation, and Singapore Land and its
subsidiary, Marina Centre Holdings. Former Chairman of Overseas Union Enterprise.
Honorary President of Singapore Chinese Chamber of Commerce and Industry and Pro-
Chancellor of Nanyang Technological University. Received the Businessman Of The Year
award at the Singapore Business Awards in 2001 and 1990 as well as the inaugural Credit
Suisse-Ernst & Young Lifetime Achievement Award in 2006 for his outstanding achievements
in the Singapore business community.
Malaysian citizen. Born in 1954. Vice President Commissioner of UOB Buana since
December 2005. Joined United Overseas Bank (UOB) in 1980. Oversees UOB’s individual
banking business and drives its businesses outside Singapore. CEO of United Overseas
Bank (Malaysia) prior to his appointment as UOB’s Senior Executive Vice President, Personal
Financial Services and International, in Singapore in 2003. Holds a Malaysia Certificate
of Education. Has held senior positions in operations, consumer services and corporate
banking in UOB.
16

Wee Ee Cheong, Commissioner
Karman Tandanu, Commissioner
Singapore citizen. Born in 1953. Appointed as Commissioner of UOB Buana on 31 August
2007. Joined United Overseas Bank (UOB) in 1979. Appointed to the UOB Board in 1990.
Held the position of UOB Deputy Chairman and President between 2000 and April 2007.
Appointed UOB CEO on 27 April 2007 and currenly holds the position of UOB Deputy
Chairman and CEO. An Executive Director of UOB (since 1990) and a member of UOB’s
Executive Committee. Holds a Bachelor of Science (Business Administration) and a Master
of Arts (Applied Economics) from The American University, Washington DC.
Indonesian citizen. Born in 1951. Graduated from Yock Eng High School in Singapore
in 1971. Commissioner of UOB Buana since October 2005. Started work as Staff at
UOB Buana Medan Branch from 1972 to 1974. Staff at UOB Buana Jakarta from 1974
to 1976. Deputy Head of International Division from 1976 to 1979. Senen Sub-Branch
Manager from 1979 to 1980. Deputy Head of Surabaya Branch from 1980 to 1985. Head
of International Division from 1985 to 1995. Executive Vice President of the Bank
from 1995 to October 2005.
Rusdy Daryono, Independent Commissioner
Indonesian citizen. Born in 1950. Graduated from Faculty of Economics of Universitas
Indonesia. Commissioner of UOB Buana since June 2006. Started his career at Public
Accounting Firm of Drs. Utomo, Mulia & Co. from 1973 to 1977.
Joined PT Salim Economic Development Corp. from 1978 to 1982, PT Hardy Trading
from 1982 to 1987 and Public Accounting Firm of Drs. Mulia Iskandar & Co. from 1983
to 1987.
Partner and Division Head at Public Accounting Firm of Prasetio, Utomo & Co. from 1987
to 2002, and from 2003 to 2006 as partner at Public Accounting Firm of Osman Ramli
Satrio & Partner. Actively involved in the management of the Indonesian Institute of
Accountants since 1986 until present, with latest position as member of Board
of Supervisor, Indonesian Institute of Certified Public Accountants.
17
PT Bank UOB Buana Tbk.

REPORT FROM THE PRESIDENT DIRECTOR
Armand B. Arief
President Director
UOB Buana performed well in 2007 and continued
to focus on commercial banking for SMEs and the
consumer banking business.
We recognized the fierce market competition in
consumer and commercial banking, as well as the
increasing customer demand for quality banking
products that are comparable to those being offered
by other world-class banks. This had led us to
implement various initiatives to improve our
operations, such as harnessing technology to improve
operational efficiency and centralizing our operations
which is vital to providing competitive consumer
banking services.
PT Bank UOB Buana Tbk.
18
With strong determination and dedication to
establish UOB Buana as a dominant player in
consumer and commercial banking in Indonesia, the
Bank perfomed well for the financial year of 2007.
Net income grew 2.70% from Rp 409.24 billion
in 2006 to Rp 420.30 billion in 2007. Total assets
increased by 8.33% to Rp 18,260.09 billion at the
end of 2007. An estimated 69.31% of the total
assets are credit assets, which grew some 22.29%
from Rp 10,349.81 billion to Rp 12,656.95 billion.
Meanwhile, credit growth was supported by the
successful launch of several new consumer banking
products and the introduction of various new features
for existing products. These included the Twin Invest
program (an investment program related to our
Privilege Deposit program), the launch of UOB Buana
credit cards, themed “What’s Stopping You?” to
offer greater benefits across Southeast Asia, and the
UOB Elite Protection program which is an improved
series of bancassurance products.
During the year, UOB Buana made good progress in
enhancing its system infrastructure, streamlining
its operations for effective risk management and
strengthening its corporate governance by tapping
the expertise, experience and know-how of the
UOB Group. With these changes, UOB Buana is able

to build on its brand equity within the Indonesian
domestic banking market as it continues to capitalize
on the business synergies provided by the
UOB Group, a recognized and established regional
bank in Southeast Asia.
In 2007, UOB Buana invested in a new treasury
operating system. This investment enabled
UOB Buana to develop its Treasury Division into a
new profit center that would fuel the Bank’s future
income growth. UOB Buana’s customers can now
leverage the UOB Group’s international network for
their business and personal banking needs.
The various initiatives required a significant paradigm
shift in UOB Buana’s human resource policies, as
well as understanding and support of all employees
regarding the need for changes and a new work
culture. To this end, the management paid vast
attention to improving and developing the human
resource function to support the Bank’s growth plans.
Every member of the Board of Directors was assigned
to visit branch offices to share with employees on
the current developments and future directions of
the Bank. Various meetings involving the employees
– from small groups in the meeting rooms of branch
offices to hundreds of participants at town-hall
meetings – were held to improve their understanding
19 PT Bank UOB Buana Tbk.

and gain their support for the Bank’s work plans.
Training for employees also grew in terms of the
frequency and number of programs.
For the first time, UOB Buana established a
management development program as a recruitment
vehicle for management associate trainees and to
nurture them to become the future managerial cadre
in UOB Buana. The Bank also recruited several senior
banking executives with extensive work experiences
in international banks. This is expected to accelerate
the management change currently underway in
UOB Buana.
Supported by these key initiatives, we believe that
UOB Buana is on the right growth track. UOB Buana
will continue to build on (i) consumer banking with
emphasis on housing loans, extension of various
PT Bank UOB Buana Tbk.
20
credits, credit cards and car loans; (ii) commercial
banking where financing SMEs is a traditional strength
of the Bank; and (iii) banking services such as trade
finance and the likes, relying on the Bank’s upgraded
treasury services and the UOB Group’s wide and
trusted international banking network.
Finally, on behalf of the Board of Directors, I take
this opportunity to thank our stakeholders, especially
the management and staff, for their continued
support and confidence in UOB Buana. We will
continue to preserve your trust in us to achieve the
best results for UOB Buana.

PROFILE OF DIRECTORS
Armand B. Arief, President Director
Indonesian citizen. Born in 1952. Graduated with a degree in Bachelor of Business
Administration from Curry College, Milton, Massachusetts, U.S.A. in 1979 and received
his Master of Business Administration degree from Suffolk University, Boston, Massachusetts,
U.S.A. in 1982. He was appointed President Director of UOB Buana in September 2007.
He started his career in Nestlé Indonesia in 1983 and held various senior positions
with the last position as Regional Development Manager. He then joined Citibank in 1988
and his last position was as Distribution Director. From 1997 until 1999 he was Retail
Banking Director of Bank Papan Sejahtera.
He served as Vice President Director of Bank Danamon from 1999 to 2002. Prior to
joining UOB Buana, he was the Vice President Director of Bank Internasional Indonesia
from 2002.
Wang Lian Khee, Vice President Director
Singapore citizen. Born in 1956. Became Vice President Director of UOB Buana in
September 2006. Graduated from the Economics Faculty of University of Essex, UK.
Initially employed at United Merchant Bank as Credit Analyst from 1982 to 1984.
Started his career at UOB as Credit Officer from 1984 to 1986. Credit & Marketing
Manager UOB (London Branch) from 1986 to 1992. General Manager UOB (Seoul Branch)
from 1992 to 1994. General Manager (Sydney Branch) from 1994 to 1999, and
Deputy President & Deputy CEO UOB Philippines from 1999 to 2006.
21
PT Bank UOB Buana Tbk.

Aris Janasutanta Sutirto, Director
Eddy Muljanto, Director
Pardi Kendy, Director
PT Bank UOB Buana Tbk.
Indonesian citizen. Born in 1945. Studied Economics at Airlangga University. Participated
in various banking seminars. Director at UOB Buana since 1996. Started his career at
Bank BCA in Surabaya from 1966 to 1969.
Joined UOB Buana Surabaya as Section Head of Current Account from 1969 to 1977.
Head of Urip Sumohardjo Sub-Branch from 1977 to 1978, Deputy Branch Manager of
Semarang Branch from 1978 to 1981, Branch Manager of Semarang Branch from 1981
to 1991, and Branch Manager of Bandung Branch from 1991 to 1995.
Indonesian citizen. Born in 1947. Graduated from Hua Chung High School in 1965.
Director of UOB Buana since August 1999. Started his career as Assistant Manager at
UOB Buana from 1967 to 1970. Assistant Director at PT Karet Mas from 1971 to 1973.
Director at PT Karet Mas from 1974 to 1983. President Director at PT Inumas from 1980
to 1983. Served as Head of the Domestic Division at UOB Buana from 1984 to 1995.
Commissioner at PT Sari Dasa Karsa from 1990 to 1999. Executive Vice President at
UOB Buana from 1995 to July 1999.
Indonesian citizen. Born in 1958. Participated in various domestic and overseas seminars
and training. Director of UOB Buana since August 1999.
Started his career in 1977 at the Hong Kong and Shanghai Banking Corporation in Jakarta
as Junior Staff. His last position was Treasury Executive Officer from 1986 to 1987. Chief
Dealer Treasury at the Bangkok Bank Limited in Jakarta from 1987 to 1988. Treasury
General Manager at Bank Mitsubishi Buana in 1996. Consultant at several private and
joint-venture banks from 1996. Head of Treasury Division from 1996 to 1997 at
UOB Buana. Executive Vice President from 1998 to 1999.
Active in several Professional Organizations: Member of Foreign Affairs Department
– Indonesian Banks Association, Board of Ethics of Obligation State Letter Trader Association,
Honorary Member of Technical Analyst Association and Board Member of Certified Wealth
Managers’ Association.
22

Safrullah Hadi Saleh, Director
Ishak Sumarno, Director
Goh Seng Huat, Director
Indonesian citizen. Born in 1954. Graduated with a Bachelor of Science in Accounting from
the De La Salle University in Manila, Philippines. Participated in various domestic and overseas
training and courses in finance and banking. Director of UOB Buana since October 2001.
Started his career at Drs. Utomo, Mulia & Co. Accountant Office with his last position
as Partner-in-Charge at Drs. Utomo & Co. Public Accountant Office from 1975 to 1993.
President Director at PT Bank Arya Panduarta Tbk. from May 1993 to March 1999. Management
Team Coordinator at PT Bank Nusa National from March 1999 to September 1999.
Project Manager on the merge of “8 BTO (Bank Take Over) banks into PT Bank
Danamon Tbk.” and Chief Financial Officer of Bank Danamon from October 1999
to September 2001. Project Director Advisor for the merging of five banks into PT Bank
Permata Tbk. from July 2002 to January 2003.
Indonesian citizen. Born in 1943. Graduated from Stuttgart University in West Germany.
Participated in various seminars and courses on finance and economics abroad.
Director of UOB Buana since April 2004. Started work at Dicky Metals Co. Ltd. from
1971 to 1973 as an Accounting Manager. Accountant and Finance Manager at PT Sasa
Fermentation from 1973 to 1975.
Worked at UOB Buana as Sub-Manager from 1976 to 1984. Deputy Head of International
Division at UOB Buana from 1984 to 1985. Head of Supervision Division from 1985
to 1987. Division Head of Information System and Technology from 1987 to 1995.
Executive Vice President of UOB Buana from 1995 to 2003.
Malaysian citizen. Born in 1961. Earned his Banking Diploma at Associate Chartered
Institute of Bankers (UK) in 1989. Participated in various training and courses in Malaysia.
Director of UOB Buana since January 2006.
Started working at UOB Malaysia in 1981 to 1994 with his last position as Training
Manager. Worked at Hong Leong Bank as Training Manager from 1994 to 1995. Head
of Delivery Channels and Operations at EON Bank from 1995 to 2003. Head of Project
Management Office at EON Bank from 2003 to August 2005. Joined UOB as First
Vice President, International since September 2005.
23
PT Bank UOB Buana Tbk.

Hsu Francis , Director
Soehadie Tansol, Director of Compliance
PT Bank UOB Buana Tbk.
Singapore citizen. Born in 1951. Graduated from Nanyang University with a Bachelor of
Arts in 1973 and in 1976 received his Master of International Management from American
Graduate School of International Management, U.S.A. He started his career as Area
Manager at Colgate - Palmolive in 1978 until 1981.
He joined American Express (AE) as Area Manager for Southeast Asia from 1981 to 1985.
In 1985 he served as Director of Travel Management Services until 1989. In 1989 he was
promoted to Vice President and was directly responsible for marketing AE charge cards,
card services and traveler’s cheque until 1991.
He then served as Senior Manager at Visa International from 1991 until 1993 and then
from 1993 to 1995 as Director of Marketing responsible for market development in the
Asia-Pacific region. In 1995 he joined HSBC as Senior Manager. He started his career at
United Overseas Bank (UOB) as First Vice President in 1997 and was appointed Director
of PFS at UOB Buana on July 2, 2007.
Indonesian citizen. Born in 1959. Participated in various domestic seminars and
overseas banker programs at Pasicif Bankers Management Institute and the University
of Washington, in 2000. Compliance Director of UOB Buana since January 2003. Started
work at UOB Buana as Head of Checking Account Department fom 1980 to 1987
in Pontianak Branch.
Head of Bookkeeping Department at UOB Buana Pontianak from 1987 to 1989. Worked
as an Authorized Signer from 1989 to 1990. Head of Sub-Branch Office at Pontianak
from 1990 to 1991. Head of Batam Branch Office from 1991 to 1996. Head of Pontianak
Branch Office from 1996 to 1997. Head of Palembang Branch Office from 1997 to 1998.
Head of Organization, Research and Development Division at UOB Buana from 1999
to 2001. Executive Vice President at UOB Buana from 2001 to 2002.
24

BUSINESS DEVELOPMENT
Consumer Banking: Breaking Through with Premium Products and Services
On August 1, 2007, UOB Buana relaunched its credit cards under the UOB brand and introduced a new
UOB Platinum credit card. The UOB-branded credit cards offer UOB Buana cardholders access to privileges
and benefits in Hong Kong and Southeast Asia, particularly in Singapore where UOB is the largest card issuer.
Our exchange rate for spending in Singapore is the most competitive compared to other credit cards,
when the spending is converted to Indonesian Rupiah for billing purposes. UOB Platinum cardholders also
receive double reward points and enjoy special access to airport lounges in several countries as well as many
other exclusive privileges.
UOB Buana offers many card incentive programs/privileges such as 50% discount at selected dining
establishments, 25% discount at leading fashion houses, a special Bintan Golf package, a special promotion
of two Merpati Airlines tickets for the price of one, and much more.
We also enhanced our credit card features. UOB FlexyPay is an installment program that offers cardholders
a low interest rate, and the program can be accessed at any point-of-sale (EDC) or through a telephone call.
A recurring bill payment feature was also introduced to enable cardholders to pay their monthly utility bills
to Telkomsel, Indosat, Telkom, XL and PLN. In addition, our cardholders can now pay their travel fiscal tax
with their credit card at the Soekarno-Hatta International Airport.
25
PT Bank UOB Buana Tbk.

With so many attractive features and benefits, and supported by consistent and highly visible marketing
promotions, we were able to successfully position our credit cards as among the best in the market. The
launch of the UOB-branded credit cards achieved outstanding results. Our cardholder base increased by 60%
and outstanding receivables’ growth rate exceed 200%. In addition, our highly impactful advertising campaigns
raised public awareness of UOB Buana and its image.
Reaffirming UOB Buana’s commitment to helping customers acquire their dream home, we successfully
repackaged our home mortgage loan facility, KPR Buana Plus, to meet the needs of the market. KPR Buana
Plus not only offers competitive interest rates, but also flexible loan repayment and a long credit tenor of
20 years. This product enjoyed a significant growth of 83.87% in 2007.
UOB Buana launched two deposit products during the year. The first product, Twin Invest, is a product-bundle
that offers customers a higher-than-average interest rate on their time deposit when they also invest in a
mutual fund. The second product, Maxiyield, is a cross between a time deposit and a currency option, and
offers customers a higher yield than a regular time deposit.
We also undertook several marketing campaigns to grow deposit-taking. Through two direct gift programs,
Double Direct Gift and Triple Direct Gift, deposits into the Tabungan Produktif account grew significantly.
In addition, UOB Buana developed bancassurance products to bring peace-of-mind to discerning customers.
From September 2007, our customers can participate in the UOB Elite Protection program, a life and permanent
disability insurance plan that offers a minimum coverage of Rp 100 million. UOB Buana also offers a variety
of mutual funds managed by top fund managers, such as Schroders, Manulife Asset Manajemen Indonesia
and Fortis Investment, to help customers grow their wealth.
In enhancing our consumer banking service, we implemented various initiatives across the board from
organizational restructuring to human capital enhancement, including customer service quality improvement,
operational centralization and comprehensive enhancement of information technology.
These initiatives improved the performance of our consumer banking business in 2007. Consumer loans
increased by 37.07%, mainly attributable to increases in the housing loan and credit card businesses
which grew by 40.95% and 175.03% respectively.
The ratio of low-cost CASA (current-account savings-account) funds to total third-party deposits increased
to 62.5% as at end-2007, compared to 58.1% at the end of 2006. Total consumer savings (individual accounts)
provided the largest contribution to the rise of our CASA ratio.
PT Bank UOB Buana Tbk.
26

Commercial Banking as Engine of Growth
UOB Buana will continue to focus on its commercial banking business, particularly its traditional stronghold
in the retail commercial segment which includes Small and Medium-sized Enterprises (SMEs). Indeed, a
UOB Buana survey found that a majority of SME customers, particularly those who have grown or are growing
from medium-sized enterprises to large companies, were more comfortable banking with UOB Buana which
provides international-class banking service.
UOB Buana believes that its existing service network is sufficient to serve business centers in Indonesia’s major
cities. Through business process improvements, and more coordinated and targeted marketing programs and
customer service, the Bank expects further growth in its commercial banking business.
UOB Buana will continue to assist its potential and value customers who are going to develop and expand
their business in domestic and overseas market especially in the region. It will do so by tapping its existing
local network that serves the major cities in Indonesia as well as its regional and international network
through the UOB group’s expertise and international branches.
In 2007, UOB Buana strengthened its commercial banking arm by increasing its activity in the corporate
banking segment as part of a larger credit diversification effort from small and medium to large companies.
UOB Buana is confident that the corporate banking segment will provide expansion opportunities through
participation in large projects and syndicated loans following the growth in the national economy.
27 PT Bank UOB Buana Tbk.

Treasury : Developing New Treasury Businesses
During the year, UOB Buana initiated plans to establish treasury activities as a core business for the Bank.
In April 2007, UOB Buana implemented a new treasury information system, which is able to handle straight-
through-processing of trades from deal capture to settlement. This system is supported by UOB’s treasury
system in Singapore. The new system will enable UOB Buana to improve operational efficiency, reduce
operational risk and monitor its traders’ positions and performance in real time. With better data processing
capability, the new system will also enhance UOB Buana’s ability to offer varied and advanced treasury products
and services to meet customers’ needs.
UOB Buana has divided its Treasury team into two divisions. One division manages UOB Buana’s banking
book, liquidity risk as well as customers’ transactions on foreign currency and interest rate. The other division
acts as a supporting unit for the first division, handling the logistics and dealing room infrastructure, product
programs, and other operational responsibilities. The two divisions are expected to provide support for new
significant revenue streams for UOB Buana.
As an integral part of the UOB Group’s
global network and business scope,
UOB Buana offers international
banking services of the same scope
and scale. The Bank’s customers can
now enjoy trade finance services,
cross-border transactions, inter country
remittance services and other similar
services.
29 PT Bank UOB Buana Tbk.

HUMAN RESOURCES
Changing the Mindset and Behavior of Human Resources
A major transformation of the business and culture of UOB Buana is currently underway to build a bank that
focuses on quality service and customer satisfaction as measures of success. Human resources are a key
component of this transformation – via intensive training and development of our staff, particularly those
at customer touch-points, to establish a customer-centric mindset and behavior.
Through cross-border job attachments, our staff adopted best practices and deepened their learning and
experience to increase productivity. During the year, our management also proactively met our staff at the
branch offices, conducting town hall meetings and sharing with them on the developments and new directions
of UOB Buana.
As part of the Bank’s emphasis on customer service, UOB Buana also strengthened its sales and marketing
team. The number of sales and marketing staff increased by more than 50% in 2007. In addition, through
concerted marketing campaigns, customers were provided with accurate features and benefits of UOB Buana’s
products and services, which is a vital ingredient in a successful customer service platform.
In addition, to support the growth of the front-office, UOB Buana reinforced the quality of its back-office
staff by intensifying training programs, covering areas such as risk management, internal control, credit,
treasury, accounting and taxation. We also highlighted to the staff the importance of providing prompt and
accurate service to achieve customer satisfaction, and how effective back-office operations can often have
a direct impact on the quality of service provided by the front-end units.
PT Bank UOB Buana Tbk.
30

Overall, the intensity and number of training programs conducted for UOB Buana staff had increased during
the year. For example, 2,303 participants attended 47 sessions of the Service Excellence program in 2007,
as compared to 1,618 staff in 35 sessions in 2006.
2007 also saw other activities aimed at bolstering team-building, and reinforcing the five core values of
UOB Buana, namely Integrity, Teamwork, Responsibility, Continuous Improvement, and Proactive Selling. These
values are continuously promoted to every UOB Buana staff through various staff engagement events including
sports activities, outbound training and community involvement such as the blood donation drive for the
Indonesian Red Cross.
During the year, UOB Buana focused on recruitment to fill key positions in the Bank. As at December 31,
2007, the Bank had nearly 6,000 staff, as compared to 5,665 staff at the end of 2006. The increase reflects
UOB Buana’s commitment to be a reputable consumer and retail commercial bank in Indonesia, in line with
the Indonesian Banking Architecture framework.
31 PT Bank UOB Buana Tbk.

SYSTEMS AND INFRASTRUCTURE
Relying on Effective Information Technology Systems
Information Technology (IT) plays a pivotal role in the Bank’s business strategy. Today, many banks in Indonesia
are able to provide world-class consumer banking services that are supported by state-of-the-art banking
technology systems which deliver speed, accuracy and reliability.
In 2007, UOB Buana made a strategic decision to invest in the development of a state-of-the-art,
scalable and robust IT infrastructure which will give the Bank a competitive advantage and position it
for anticipated business growth. As part of a carefully designed IT blueprint, UOB Buana has successfully
developed an open-architecture IT infrastructure which is not only capable of supporting all its current
banking services and products but also has the flexibility and scale to be extended to support future
products and services. UOB Buana is committed to the continuous upgrading of its banking infrastructure
whenever necessary.
One of the IT strategies adopted is to align the IT systems
employed by UOB Buana with those employed
by the UOB Group so as to leverage the Group’s best
practices in risk management, controls, efficiencies
and products. With this approach, IT investment cost can
be reduced and IT delivery can be accelerated.
During the year, UOB Buana made further progress in
tapping IT in the areas of core banking, credit and
debit card services, as well as electronic banking services
which include the ATM network, mobile banking and call
centre. One of the key milestones was the deployment of
new IT systems to support the operational centralization
of the credit and treasury businesses. This resulted in
significant improvement in operational efficiency and risk
management.
UOB Buana is also equipped with proper disaster recovery
facility to ensure continuous, uninterrupted data processing
in the event of any disruptions to the main systems.
PT Bank UOB Buana Tbk.
32

BRANCH OFFICE NETWORK
Optimal Service Network Development
In this age of Information Technology, it takes an appropriate mix of conventional service networks
such as Branch Offices, and electronic service networks via various available media to deliver a high standard
of banking service.
UOB Buana adopts international best practices and capitalizes on IT, automation and centralization processes
to facilitate business growth. In line with this, the Bank’s business development strategy does not focus on
expanding the Branch Office and service outlet networks, but more on improving the work processes and
expanding the scope of service through electronic distribution channels.
UOB Buana believes that its 205 offices – comprising the Head Office, 35 Branch Offices, and 170 Sub-Branch
Offices – as at the end of 2007 are sufficient to serve customers effectively. Hence, the Bank can concentrate
on improving and enhancing the work processes for optimal service performance in its office network.
Beyond the office network, UOB Buana operated more than 100 Automated Teller Machines (ATMs) by end-
2007. The Bank’s customers also have access to more than 18,000 ATMs across Indonesia in the ATM Bersama
and ATM Prima networks, around 1,000,000 Visa Plus ATMs across the world, as well as the UOB Group’s
ATMs in the Malaysia, Singapore and Thailand.
In addition, customers can access UOB Buana’s Call Center as well as banking services through a cellular
phone’s short message service (SMS). In the near future, UOB Buana will consider launching an Internet
banking service, following the growth in its consumer banking business.
33
PT Bank UOB Buana Tbk.

CORPORATE GOVERNANCE
Corporate Governance
The practice of Corporate Governance is crucial for UOB Buana. The Boards of Commissioners and Directors
recognize the importance of good corporate governance in sustaining the business and increasing value for
shareholders and other stakeholders.
The Bank’s corporate governance policies and practices are described below.
General Meeting of Shareholders
As per the Bank’s Articles of Association, the General Meeting of Shareholders (GMS) constitutes the highest
authority of the Bank. It approves the appointments and resignations of Commissioners and Directors,
gives resolutions on important policies and actions of the Bank, and votes on issues requiring the resolution
of the GMS. The Bank holds an Annual General Meeting of Shareholders (AGMS) once a year, and Extraordinary
General Shareholders Meetings (EGMS) as needed.
Board of Commissioners (BOC)
In line with UOB Buana’s Articles of Association, the BOC is responsible for monitoring the Board of Directors
(BOD) in the running of the Company and advising the BOD on their duties and authority as stipulated
in the Articles of Association.
In summary, the BOC:
The BOC has three board committees to assist in the effective discharge of specific responsibilities. They are
the Audit Committee, Risk and Monitoring Committee, and the Remuneration and Nomination Committee.
The membership, duties and responsibilities of these three committees are set out in the subsequent pages
of this report.
• reviews and approves business plans and budgets;
• monitors financial performance;
• determines capital structure;
• approves major acquisitions and divestments; and
• reviews the risk management framework.
PT Bank UOB Buana Tbk.
34

BOC Composition and Independence
The BOC consists of five members, including the President Commissioner, the Vice President Commissioner
and an Independent Commissioner. The BOC members are:
To meet the prevailing corporate governance criteria, the Bank is in the process of increasing the number of
Independent Commissioners to four.
Board of Directors
The BOD is responsible for achieving the business targets of the Bank that have been approved by the BOC.
The BOD also:
Wee Cho Yaw
Lee Chin Yong Francis
Karman Tandanu
Wee Ee Cheong
Rusdy Daryono
: President Commissioner
: Vice President Commissioner
: Commissioner
: Commissioner
• sets direction and business strategy;
: Independent Commissioner
• draws up business plans and budgets; and executes these plans accordingly;
• reviews quarterly results against the annual budget;
• provides leadership and vision to employees;
• performs risk management and internal controls; and
• sets company values and standards
The Compliance Director is responsible for implementing good corporate governance and ensuring the
Bank’s compliance with prevailing rules and regulations.
The BOD has nine management committees to assist in the effective discharge of specific responsibilities.
They are the Assets and Liabilities Committee, Credit Policy Committee, Risk Management Committee,
Information Technology Committee, Human Resources Committee, Business Continuity Management
Committee, Computer Security Committee, Executive Committee and Credit Committee.
35 PT Bank UOB Buana Tbk.

BOD Composition
The BOD consists of ten members, including the President Director and the Vice President Director. The BOD
members are:
Armand B. Arief
Wang Lian Khee
Aris Janasutanta Sutirto
Eddy Muljanto
Pardi Kendy
Safrullah Hadi Saleh
Ishak Sumarno
Hsu Francis
Goh Seng Huat
Soehadie Tansol
Board Competency
PT Bank UOB Buana Tbk.
: President Director
: Vice President Director
: Director
: Director
: Director
: Director
: Director
: Director
: Director
: Compliance Director
The Remuneration and Nomination Committee has assessed the specific qualities and skills of the
Commissioners and Directors and is of the view that they possess the necessary skills for the Bank’s business.
Detailed information on the Commissioners’ and Directors’ experience and qualifications can be found
on pages 16 and 21.
The Commissioners and Directors have the opportunity to attend training courses and seminars. A budget
is set aside yearly for Board members’ training needs. New Commissioners and Directors are given guidance
on the duties and responsibilities of the Boards and relevant regulatory requirements. Board members may
also request independent professional advice to aid in the discharge of their duties.
Board Meetings
The BOC holds four scheduled meetings a year. Additional meetings may be held to deal with specific matters
in between scheduled meetings where necessary. BOD meetings are scheduled more frequently and when
needed, additional meetings are held.
Prior to Board meetings, members are provided with meeting materials, specifically financial reports, to enable
them to discharge their duties. The financial reports provide detailed information on the Bank’s performance
against budgeted and actual results and explanations of any material variance. Commissioners may request
additional information or seek clarification on any matter concerning the Bank from management.
36

Board members have access to advice from the Corporate Secretary. The Corporate Secretary keeps the Boards
informed of relevant laws and regulations and updated on corporate governance matters.
The President Commissioner and President Director
The President Commissioner provides leadership to the BOC and ensures that Board meetings are conducted
regularly. The President Director is responsible for the day-to-day running of the Bank and ensures that the
BOD’s decisions and strategies are carried out effectively. Mr. Wee Cho Yaw has been the President Commissioner
of the Bank since December 2005. He is a career banker with over 40 years of experience in various senior
banking positions. He has served as a board member of UOB since May 1958. Mr. Armand B. Arief has served
as President Director of the Bank since September 2007. He is a career banker with over 35 years’ experience
in the banking industry and consumer goods market.
BOC Committees
The three committees which assist the BOC in the discharge of specific functions are:
1. Remuneration and Nomination Committee
The Remuneration and Nomination Committee (RNC) reviews nominations of commissioners and directors
for appointment to the Boards and Board Committees and to the key positions of President Director,
Vice President Director and Director.
The RNC meets at least once a year and reviews its membership annually. The Committee reviews nominee
Commissioners or Directors based on a set of eligibility criteria. Nominated candidates are assessed by the
BOC against a range of criteria including background, experience, professional skills, personal qualities and
their availability to commit themselves to the Board’s activities.
The RNC reviews the remuneration policy of the Directors and Commissioners, and makes its recommendation
to the BOC, which in turn will place the fees as a lump sum for shareholders’ approval at every AGMS.
Total remuneration for Board members in 2007 is Rp 18.06 billion.
The RNC comprises:
Chairman
Members
: Rusdy Daryono
: Lee Chin Yong Francis
Marulam Sitohang
37 PT Bank UOB Buana Tbk.

2. Audit Committee
The Audit Committee reviews the financial statements, the internal and external audit plans and audit reports,
the external auditors’ evaluation of the system of internal accounting controls, the scope and results of the
internal and external audit procedures, the adequacy of internal audit resources and the cost effectiveness,
independence and objectivity of the external auditors.
Annually, the Committee proposes the nomination of external auditors to the BOC. The Committee has
nominated the Public Accounting Firm of Purwantono, Sarwoko & Sandjaja, a member firm of Ernst & Young
Global, for re-appointment as the Bank’s auditors for shareholders’ approval at the forthcoming AGMS.
The Committee also reviews with the internal and external auditors their evaluation of the Bank’s internal
control systems and risk management processes, and reports the results of its review to the BOC. The BOC
derived reasonable assurance from reports submitted to it that the internal control systems, including financial,
operational and compliance controls and risk management processes, which are designed to enable the
Bank to meet its business objectives while managing the risks involved, are adequate for the Bank’s business
as presently conducted.
As at December 31, 2007, the Audit Committee comprises:
Chairman
Members
3. Risk Monitoring Committee
The Risk Monitoring Committee is not yet effective pending the appointment of The Independent Commissioners.
The role of risk monitoring is done by the Risk Management Division under direct supervision of the
President Director.
PT Bank UOB Buana Tbk.
: Rusdy Daryono
: Thomas Abdon
Winny Widya
38

BOD Committees
There are nine committees that assist the BOD to implement their duties and responsibilities effectively.
In summary, the duties and responsibilities of the committees are as follows:
1. Assets and Liability Committee is responsible for developing the Bank’s risk management policies
and strategies related to market and liquidity risk.
2. Credit Policy Committee is responsible for formulating the Credit Policy and evaluating the implementation
of the maximum credit limit and compliance to existing rules in providing credit.
3.Risk Management Committee is responsible for formulating the Risk Management Policies and
Implementation Guidelines and ensuring that the Bank’s operational/business activities do not cause
excessive losses that can have adverse impact on the Bank’s business.
4. Information Technology (IT) Committee is responsible for creating policies regarding the optimum and
effective implementation of information technology.
5. Human Resources Committee is responsible for setting and evaluating all strategic policies related
to human resources including the strategy to retain and develop quality human resources.
6. Business Continuity Management Committee is responsible for ensuring that Business Continuity
Management (BCM) policies are effectively implemented, evaluating BCM developments, as well as providing
solutions for BCM issues that have not been completed.
7. Computer Security Committee is responsible for developing IT security policies, monitor and IT usage.
8. Executive Committee is responsible for assisting the BOD in administering the Bank’s annual budget and
overseeing senior management’s business plans.
9. Credit Committee is responsible for assisting the BOD in the reviewing and approving of loans and
other loans-related matters.
39 PT Bank UOB Buana Tbk.

Internal Audit
The internal audit function of the Bank is performed by the Internal Audit Division. The Division reviews all
the Bank’s units and operations, prioritizing its audits according to its assessment of risks. The Division’s
responsibilities include, but are not limited to the audit of operations, lending practices, financial controls,
management directives, regulatory compliance, information technologies and the risk management processes
of the Bank.
Risk Management
The BOD has the overall responsibility of determining the type and level of business risks that the Bank
undertakes. Risks are identified, measured, monitored and managed within a robust risk management
framework and returns must commensurate with the risks taken. The key risks which the Bank manages
are credit and country risk, balance sheet risk, liquidity risk, market risk and operational risk.
The BOD counts on the Risk Management Committee to advise and assist the Board in managing
and mitigating risks.
Corporate Secretary
The Corporate Secretary, in line with prevailing regulations, is responsible for communicating information
related to the condition and performance of the Bank to the relevant parties.
The Corporate Secretary attends and takes minutes of all Board meetings and ensures that Board procedures
and all applicable regulations on governance are complied with.
Communication with shareholders
Information and notices, including the Bank’s financial statements and annual report to shareholders,
are either published in the press or sent to shareholders. Shareholders are given the opportunity to raise
relevant questions and communicate their views at shareholders’ meetings.
PT Bank UOB Buana Tbk.
40

Board Attendance in 2007
Jimmy K. Laihad
Armand B. Arief
Wang Lian Khee
Aris Janasutanta Sutirto
Eddy Muljanto
Ishak Sumarno
Pardi kendy
Safrullah Hadi Saleh
Aw Tee Woo
Goh Seng Huat
Soehadie Tansol
Hsu Francis
Wee Cho Yaw
Lee Chin Yong Francis
Karman Tandanu
Wee Ee Cheong
Quek Cher Teck
Rusdy Daryono
Marulam Sitohang
A. Attendance during meetings
H. Number of meetings held
* By Invitation
A
H
A
H
A
H
A
H
A
H
A
H
A
H
A
H
A
H
A
H
A
H
A
H
A
H
A
H
A
H
A
H
A
H
A
H
A
H
41
BOD
Meetings
9
25
7
25
22
25
21
25
21
25
19
25
21
25
18
25
4
25
22
25
23
25
7
25
-
-
-
-
-
-
-
-
-
-
-
-
-
-
BOC
Meetings
1*
4
1*
4
4*
4
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
4
4
4
4
4
4
1
4
1
4
4
4
-
-
Remuneration &
Nomination
Committee Meetings
-
-
2*
2
-
-
-
-
-
-
-
-
2*
2
-
-
-
-
-
-
-
-
-
-
-
-
2
2
-
-
-
-
-
-
2
2
2
2
PT Bank UOB Buana Tbk.

CORPORATE SOCIAL RESPONSIBILITY
Engaging Our Communities in Sustainable Development
Sustainable development has become synonymous with the interests of businesses and corporations with
long-term growth horizons. Hence, we take it upon ourselves to operate in a socially responsible and consistent
manner that is in the best interest of all stakeholders. That is why we take our Corporate Social Responsibility
(CSR) seriously.
We understand that our broader responsibilities help us gain and keep the trust and confidence of our
stakeholders in our ability to sustain our growth indefinitely. They underpin our commitment to social
development and supporting issues that affect the communities in which we operate.
As part of our CSR activities, UOB Buana provided scholarships to 208 children of the Bank’s employees
for their elementary and junior high school education for the 2007/2008 school-year. We also visited
several orphanages in Jakarta and Serang and donated staple goods. With the cost of living increasing in line
with the price of oil, UOB Buana tries to lighten the burden of its rank-and-file employees by providing
them with sembako for their household needs. To commemorate the Idul Adha holiday, UOB Buana held a
feast in conjunction with the ’Sacrifice (Qurban)’ event for the Bank’s employees and local people at the end
of the year.
Also in 2007, among several cultural and philanthropic activities, UOB Buana demonstrated its commitment
to the Children of Tomorrow program which is run by AIESEC, a non-profit global organization of university
students and recent graduates dedicated to developing young people throughout the world.
The partnership with AIESEC represents UOB Buana’s new direction in its CSR activities towards long-term
development programs in education, social progress as well as economic empowerment.
43
PT Bank UOB Buana Tbk.

AUDIT COMMITTEE ACTIVITY REPORT
Audit Committee Members
On June 22, 2007, at the Annual General Meeting of Shareholders (AGMS), the Board of Commissioners
reported the appointment of two new Audit Committee members: Thomas Abdon and Winny Widya.
They replace Theodorus Lufti and Hendra Tedjajana who already served two terms. Rusdy Daryono maintained
his office as the Chairman of the Audit Committee.
Audit Committee Composition
Name
Rusdy Daryono
Theodorus Lufti
Hendra Tedjajana
Thomas Abdon
Winny Widya
PT Bank UOB Buana Tbk.
Appointment
On 22 August 2006
From 15 January 2002 to
21 June 2007
From 15 January 2002 to
21 June 2007
On 22 June 2007
On 22 June 2007
44
Total Attendance
33
18
18
15
9
Attendance
%
In 2007, the Audit Committee held 33 meetings. Each meeting met the quorum of representation by members.
The meetings were the implementation of the Audit Committee’s workplan which was approved by the Board
of Commissioners.
Activities Performed by Audit Committee
During the year, the Audit Committee:
1.
2.
3.
4.
5.
6.
Reviewed the 2006 financial statements, annual report and quarterly financial statements for publication;
Evaluated the Independent Auditor’s work and provided recommendation for appointment at the AGMS;
Monitored audit implementation and discussed audit findings with the Independent Auditor;
Regularly discussed Internal Audit’s findings;
Discussed the annual workplan for Internal Audit Division for the upcoming year; and
Provided recommendation to the Board of Commissioners regarding the appointment of the head
of Internal Audit division.
Based on the activities as set out above, the Audit Committee did not identify any significant issues to be
reported in the annual report.
Audit Committee
Rusdy Daryono
Thomas Abdon
Winny Widya
: Independent Commissioner as Chairman
: Independent Member
: Independent Member
100
55
55
45
27

PROFILE OF AUDIT COMMITTEE MEMBERS
Rusdy Daryono, Chairman
Thomas Abdon, Member
Winny Widya, Member
Profile of Mr. Rusdy Daryono can be found on page 17
Indonesian citizen. Born in 1942. Graduated from Extension Program Economic Faculty
in Indonesia University, Jakarta with a Bachelor of Economics in Management. Participated
in various seminars and work training in banking and finance. Start his career as an
Accountant Assistant at Drs. B. Soenasto Accountant Office, Jakarta from 1965 to 1969.
Joined ABN Amro Bank, Jakarta in its Accounting Division from 1969 to 2000. Held
various positions, with his last position as Department Head of Accounting Division
and Officer in Internal Audit ABN Amro Bank. Joined UOB Buana Accounting and Finance
Division from 2001 until June 2007.
Indonesian citizen. Born in 1952. Graduated from Indonesia University with a Bachelor
of Economics in Accounting. Participated in various overseas seminars and job training
in banking and finance. Started her career at PT Lippo Indah, Jakarta as an Internal
Auditor in 1980 and as an Accountant in PT National Union Steel, Jakarta the same year.
Joined UOB Buana as Head of Administration Division from 1981 to 1995. Head of
Internal Audit Working Unit from 1995 to 1996. Head of Accounting and Finance Division
from 1996 to 2004.
45
PT Bank UOB Buana Tbk.

PROFILE OF REMUNERATION & NOMINATION COMMITTEE MEMBERS
Rusdy Daryono, Chairman
Lee Chin Yong Francis , Member
Marulam Sitohang, Member
PT Bank UOB Buana Tbk.
Profile of Mr. Rusdy Daryono can be found on page 17
Profile of Mr. Lee Chin Yong Francis can be found on page 16
Citizen of Indonesia. Born in 1962. Graduated from Gajah Mada University, Yogyakarta
Faculty of Psychology and received his Masters degree from Indonesia University Post
Graduate Program with a Major in American Studies. Participated in various seminars
and work training in banking and finance both in Indonesia and abroad.
Started his career at PT Sepatu Batu Bata in 1986 as Recruitment & Training Manager.
Then in 1990 as Management Development Manager at PT Bank Niaga. He was Human
Resource Manager at Indofood from 1992 until 1996.
In 1996, he joined Rothmans as Human Resource Director. In 1997, he became Managing
Partner at Ortano Consulting. He was Human Resource Director at Glaxosmithkline
from 1999 until 2007. Joined UOB Buana in early May 2007 as Division Head of Human
Resource Department.
46

PROFILE OF CORPORATE SECRETARY
Susan Kwanto*
* Effective since January 2008
Indonesian citizen. Born in 1970. Graduated from Sriwijaya University, Palembang
with a Bachelor of Economics degree in 1992. Participated in numerous banking,
finance, leadership and management training programs and seminars both in Indonesia
and abroad. Started her career in UOB Buana in 1992 as Export Staff and held various
other senior positions from 1995 until 2004. Appointed as Corporate Planning Division
Head in September 2005.
47
PT Bank UOB Buana Tbk.

RISK MANAGEMENT
Risk Monitoring and Management
One of the key agenda of UOB Buana’s transformation into a leading consumer and retail commercial bank
in Indonesia is the development of a risk management framework and mechanism that will be responsive
to the demands and rigors of the Bank’s business growth. With technical support and active involvement of
the UOB Group, UOB Buana continues to develop a more integrated, robust and holistic risk management
system and infrastructure that meet international best practice standards adhered to by the UOB Group.
This includes the efforts to comply with Basel II requirements in line with the timetable for implementation
that has been set by Bank Indonesia.
The various risk management activities within the scope of UOB Buana’s operations take place in an integrated
framework that comprises an adequate internal control system, effective communications and information
management, standardized systems and procedures for various operations, and adherence to proven risk
management practices. All these steps make it possible for UOB Buana to monitor and manage the wide
variety of risks in a more integrated and effective manner. The categories of risks constantly monitored by
UOB Buana are credit, market and operational risks that are in line with the Basel II risk framework, as well
as more specific risks related to operational activities that include liquidity, legal, reputational, compliance
and strategic risks as stipulated by Bank Indonesia.
Credit Risk
Credit risk arises when debtors cannot meet their financial obligations to the Bank. These obligations are
related to the Bank’s credit, trade financing and treasury activities. In managing credit risk, UOB Buana has
implemented several risk prevention and management policies. They include setting safety limits on the
disbursement of these credits based on the prospect of a debtor’s business, its market segmentation as well
as the viability of the industry to which the business belongs. All credit policies as well as credit risk mitigation
steps have been compiled into a set of written credit policies that are regularly evaluated, adjusted and
improved in accordance with market dynamics. The evaluation and formulation of the credit policy fall under
the responsibility of the Credit Policy Committee which reports directly to the Board of Commissioners.
PT Bank UOB Buana Tbk.
48

Market Risk
Market risk arises as a result of fluctuations or volatilities in the money or stock market that affect movements
in interest rates, foreign currency exchange rates and securities valuation. These movements may have an
adverse effect on the value of the Bank’s marketable securities portfolio or net open position from time to
time. In managing market risk, UOB Buana applies widely-used risk measurement regimens such as routine
monitoring of Value-at-Risk (VAR) and stress testing of various market risk tolerance thresholds. In addition,
UOB Buana has set various limits on its treasury activities in order to prevent the possibility of excessive
exposure to any single security or market transaction that carries potentially high risks. The monitoring of
market risk and the formulation of appropriate mitigation policies are essentially the responsibilities of the
Assets and Liabilities Committee, which is also responsible for monitoring the sound management of the
Bank’s assets and liabilities.
Operational Risk
Operational risk is the result of inadequate or dysfunctional internal processes, faulty work or negligent
personnel, system failure, fraud and any other factor beyond the control of the Bank. UOB Buana continuously
exerts efforts to anticipate and control the various risk factors that can impact negatively on the Bank’s
operations. This is accomplished, among other things, by ensuring that employees are qualified to do their
respective jobs, and that all work activities are carried out under the correct systems and procedures that have
been set in the official work guidelines and manuals. Operational risk analyses are carried out in order to
prevent repetitive failures or errors, and to mitigate their negative impact. To ensure the continuity of
basic banking services in times of emergency, UOB Buana has improved its Business Continuity Plan (BCP).
In the event of an earthquake, a flood or another form of emergency, UOB Buana’s BCP will automatically
kick in to ensure continuity of service. Included in this BCP is an improved Disaster Recovery Center to ensure
uninterrupted data management and preservation of the information technology system in any emergency
situation.
49 PT Bank UOB Buana Tbk.

Liquidity Risk
Liquidity risk occurs when the Bank cannot meet its financial obligation on the maturity date or when payment
is due. Liquidity risk management is carried out holistically, which among other things comprises gapping
analyses between funding and lending, capital adequacy analysis and defining optimum asset liquidity
level, including capital that is invested by the Bank in marketable securities that can be bought or sold at
any time.
Legal Risk
Legal risk is closely related to the possibility of a lawsuit against the Bank, as a result of a weak or inadequate
legal framework, the lack of corroborating proof of transactions, and narrow stipulation of obligations in the
clauses of contracts on credit and other financial transactions. As a result, UOB Buana continuously strives
to ensure that all its activities and working relations with related parties are based on mutual agreements
and terms of conditions that are set to protect the Bank from any future legal suits that may arise thereof.
Reputational Risk
Reputational risk arises as a result of one-sided news reporting or negative public opinion that can reduce
the number of customers or decrease the Bank’s income. In managing reputational risk, UOB Buana strives
to be open and transparent in all its dealings through various public relations programs and public exposures
that fall under the responsibility of the Corporate Secretary.
Compliance Risk
Compliance risk is related to the Bank’s inability to comply with regulations, such as those related to
capital adequacy ratio, non-performing loan ratio and net open position. Failure to comply with these
regulations can bring about the obligation to pay fines, reprimand from the relevant authorities, or reputational
loss. In managing compliance risk, UOB Buana closely scrutinizes all business activities and ensures that these
activities fully adhere to and comply with prevailing external rules and regulations as well as internal policies
and procedures.
PT Bank UOB Buana Tbk.
50

Strategic Risk
Strategic risk is related to potential losses that may be caused by faulty business judgments and decisions,
bad business strategies or the Bank’s inability to seize new opportunities or adapt to external environmental
changes. In managing strategic risk, UOB Buana gathers important information on business developments
and monitors market movements, in addition to adhering to prudent principles when considering all factors
that go into the decision-making process in the context of risk management and mitigation.
In 2007, in accordance with Bank Indonesia’s regulation, UOB Buana made a full assessment of its risk profile,
taking into account all the eight risk factors mentioned above. On the basis of this risk profile, the Bank
developed an appropriate risk management strategy and took steps to improve its risk management competency.
Most of these steps were initiated in 2006 and enhanced continuously in 2007, especially in the areas of risk
management, human resources and information technology.
Thus far, UOB Buana’s efforts to improve its risk management and internal control frameworks and
implementation have made progress during 2007. In terms of human resources, UOB Buana continues to
develop and employ training programs that are designed to improve employees’ technical competencies in
various risk management procedures, and instill risk awareness at all levels of the Bank.
51 PT Bank UOB Buana Tbk.

MANAGEMENT’S ANALYSIS AND DISCUSSION
The following is a brief analysis of the operations and financial results of PT Bank UOB Buana Tbk. for the
year ended December 31, 2007. Corresponding financial data from 2006 are presented for comparison and
analytical purposes.
RESULTS OF OPERATIONS
Net Income
The Bank earned a net income of Rp 420.30 billion in 2007, an increase of Rp 11.06 billion, or 2.70%,
from Rp 409.24 billion in 2006. The following table shows the main profit and loss components:
Main Profit and Loss Components
December 31
(in billions of Rupiah)
Interest income including fees and
commissions on loans
Interest expenses including Government
bank guarantee premium expenses
Net Interest Income
Other Operating Income
Recovery (provision) for posible losses on
assets and Estimated losses on
Commitment and contingencies
Other Operating Expenses
Operating Income
Non-operating Income (expenses) - net
Net Income before Tax
Income Tax
Net Income
Interest Income
PT Bank UOB Buana Tbk.
2007
Rp
1,836.77
(681.07)
1,155.70
144.04
36.90
(733.41)
603.23
1.15
604.38
(184.08)
420.30
52
2006
Rp
2,183.72
(1,009.90)
1,173.82
125.14
(66.58)
(639.50)
592.88
(5.67)
587.21
(177.97)
409.24
(346.95)
328.83
(18.12)
18.90
103.48
(93.91)
10.35
6.82
17.17
(6.11)
Increase/ (Decrease)
Rp %
11.06
(15.89)
(32.56)
(1.54)
15.10
(155.42)
14.68
1.75
(120.28)
2.92
3.43
Interest income is derived from the Bank’s outstanding loans, marketable securities portfolio, placements and
demand deposit with other banks, and includes fees and commissions earned on loans disbursement. In 2007,
total interest income amounted to Rp 1,836.77 billion, a decrease of Rp 346.95 billion, or 15.89%, from
Rp 2,183.72 billion in 2006.
Interest income from loan assets posted a decline of Rp 188.05 billion, or 11.65%, from Rp 1,614.52 billion
in 2006 to Rp 1,426.47 billion in 2007, despite a 22.29% increase in total loans outstanding as at year-end
from Rp 10,349.81 billion to Rp 12,656.95 billion. This indicated that the competitive bank interest rate
environment in 2007 was behind the decline of the Bank’s interest income from loan assets. In a similar
2.70

development, interest income from marketable securities decreased by Rp 139.83 billion, or 35.22%,
from Rp 397.05 billion in 2006 to Rp 257.22 billion in 2007. The decrease resulted primarily from the decline
in the prime Bank Indonesia Certificate (SBI) rate and as a result of lower yields from other marketable securities
that prevailed during the year.
Interest Expenses
Interest expenses, including Government bank guarantee premium expenses, amounted to Rp 681.07 billion
in 2007, a decrease of Rp 328.83 billion, or 32.56%, from Rp 1,009.90 billion in 2006. This was mainly due
to the lower average interest rate on deposits that prevailed in 2007 compared to 2006. Interest expense on
third-party deposits comprising of demand deposits, savings and time deposits, accounted for the bulk of
the Bank’s interest expenses, totaling Rp 576.01 billion in 2007, a decrease of Rp 338.05 billion, or 36.98%,
from Rp 914.06 billion in 2006.
Net Interest Income
As a result of the above, net interest income in 2007 amounted to Rp 1,155.70 billion, a decrease of Rp 18.12
billion, or 1.54%, from Rp 1,173.82 billion in 2006. The ratio of net interest income to average earning assets
was 7.07% in 2007, compared to 7.65% in 2006.
Interest Revenue and Expenses
December 31
(in billions of Rupiah)
Interest Revenue
Loans
Placements with other banks
Marketable Securities
Bank Indonesia Certificates
Other Marketable securities
Demand Deposits with other banks
Provision and Commissions
Total Interest Revenue
Interest Expenses
Demand deposits
Savings Accounts
Time deposits
Deposits from other banks
Bank guarantee premium expenses
Subordinated bonds
Others
Total Interest Expenses
1,426.47
70.49
257.22
184.12
73.10
11.23
71.36
2007
Rp %
77.66
3.84
14.00
10.02
3.98
0.61
3.88
1,836.77 100.00
69.45
168.01
338.55
39.17
24.66
39.34
1.89
10.20
24.67
49.71
5.75
3.62
5.78
0.28
681.07 100.00
1,614.52
91.84
397.05
206.44
190.61
17.63
62.68
2006
Rp %
73.93
4.21
18.18
9.45
8.73
0.81
2.87
2,183.72 100.00
87.69
242.50
583.87
26.57
26.72
39.75
2.80
8.68
24.01
57.81
2.63
2.65
3.94
0.28
1,009.90 100.00
Increase/ (Decrease)
Rp %
(188.05)
(21.35)
(139.83)
(22.32)
(117.51)
(6.41)
8.69
(18.24)
(74.49)
(245.32)
12.60
(2.06)
(0.41)
(0.91)
(11.65)
(23.25)
(35.22)
(10.81)
(61.65)
(36.32)
13.86
(346.95) (15.89)
(20.80)
(30.72)
(42.02)
47.42
(7.71)
(1.03)
(32.50)
(328,83) (32.56)
53 PT Bank UOB Buana Tbk.

Other Operating Income
Total other operating income amounted to Rp 144.04 billion in 2007, an increase of Rp 18.90 billion,
or 15.10% from Rp 125.14 billion in 2006. The increase was primarily a result of a significant rise in volume
of credit card business.
Other Operating Expenses
Other operating expenses comprise of general and administrative expenses, and personnel expenses. In 2007,
other operating expenses amounted to Rp 733.41 billion, an increase of Rp 93.91 billion, or 14.68%,
from Rp 639.50 billion in 2006.
General and administrative (G&A) expenses increased by Rp 32.57 billion, or 12.68%, from Rp 256.94 billion
in 2006 to Rp 289.51 billion in 2007, mainly reflecting increases in G&A expenses related to the Buana-UOB
integration process which continued to proceed at full pace in 2007.
Personnel expenses, which comprised of salaries and employees’ benefits, increased by Rp 61.34 billion, or
16.03 %, from Rp 382.56 billion in 2006 to Rp 443.90 billion in 2007, mainly due to the increase of the
Bank’s personnel headcount from 5,665 to 5,997 people in 2007, as well as salary and benefits adjustment
to compensate for inflation rates and living costs.
Other Operating Income and Expenses
December 31
(in billions of Rupiah)
Other Operating Income
Fees and commissions
on non-credit transactions
Gain on securities sold and form changes
in fair value of trading securities
Gain on foreign exchange
transactions - net
Other Income - net
Total
Other Operating Expenses
Provision for Possible Losses on Assets
and Estimated Losses and Commitments
and Contingencies
Personnel expenses
General and administrative expenses
Total
Total Other Operating Income
and Expenses - Net
PT Bank UOB Buana Tbk.
75.55
25.67
6.42
36.40
144.04
36.90
(443.90)
(289.51)
(733.41)
(552.47)
2007
Rp %
52.45
17.82
4.46
25.27
100.00
60.53
39.47
100.00
54
70.14
24.90
16.18
13.92
125.14
(66.58)
(382.56)
(256.94)
(639.50)
(580.94)
2006
Rp %
56.05
19.90
12.93
11.12
100.00
59.82
40.18
100.00
Increase/ (Decrease)
Rp %
5.41
0.77
(9.76)
22.48
18.90
103.48
(61.34)
(32.57)
(93.91)
(28.47)
7.71
3.09
(60.32)
161.46
15.10
(155.42)
16.03
12.68
14.68
(4.90)

Provision for (Reversal of) Loss Allowances
The Bank recorded a reversal of provision for possible losses on earning assets and estimated losses on
commitments and contingencies amounting to Rp 36.90 billion in 2007, compared to a loss provisioning
expense of Rp 66.58 billion in 2006. The decrease in possible loan loss provisioning was mainly due to the
improving quality of the Bank’s loan assets portfolio. The Bank was able to post a reversal on its provision
for loss allowances by adhering to more rigorous and stringent credit approval processes that resulted in the
quality improvement of its loan assets in 2007 compared to 2006.
FINANCIAL POSITION
The total assets of the Bank increased by Rp 1,403.97 billion, or 8.33%, from Rp 16,856.12 billion in 2006
to Rp 18,260.09 billion in 2007; whole total liabilities increased by Rp 1,114.65 billion, or 8.20%, from
Rp 13,587.79 billion to Rp 14,702.44 billion over the same period. Total shareholders’ equity increased by
Rp 289.32 billion, or 8.85%, from Rp 3,268.33 billion in 2006 to Rp 3,557.65 billion in 2007.
Earning Assets
Total earning assets of the Bank amounted to Rp 16,798.40 billion at year-end 2007. This constituted an
increase of Rp 1,369.05 billion, or 8.87%, from Rp 15,429.35 billion in 2006. The following table compares
the Bank’s different earning assets in 2007 versus 2006, and their respective growth.
Earning Assets
December 31
(in billions of Rupiah)
Demand Deposits with other banks
Placements with other banks
Marketable Securities:
Bank Indonesia Certificate
Other Marketable securities
Loans Outstanding
Derivative receivable, acceptances
receivable and investment
Total
170.63
885.39
3,060.76
2,303.40
757.36
12,656.95
2007
Rp %
24.67
1.02
5.27
18.22
13.71
4.51
75.35
0.15
2006 Increase/ (Decrease)
Rp % Rp %
92.08
1,430.55
3,528.23
2,745.57
782.66
10,349.81
28.68
0.60
9.27
22.87
17.79
5.07
67.08
0.19
78.55
(545.16)
(467.47)
(442.17)
(25.30)
2,307.14
(4.01)
85.31
(38.11)
(13.25)
(16.10)
(3.23)
22.29
(13.98)
16,798.40 100.00 15,429.35 100.00 1,369.05 8.87
55 PT Bank UOB Buana Tbk.

Outstanding Loans
Total outstanding loans as at year-end 2007 amounted to Rp 12,656.95 billion, up from Rp 10,349.81 billion
a year earlier. A loosening of the credit market as a result of lower interest rates in 2007 versus 2006 provided
the backdrop for the considerable growth of total outstanding loans in 2007. However, the Bank continued
to lend with prudence while also maintaining the quality of its loan assets. Loan disbursement to the three
largest sectors amounted to Rp 8,823.99 billion, accounting for 69.72% of the total loans portfolio as at
year-end 2007. This accounted for the Trading, Restaurant & Hotel, Industrial and Business Services sectors.
However, the Bank managed to improve the distribution of loans among the various sectors, in which no
particular sector commands more than 50% share of the total loans portfolio. The following table shows
the distribution breakdown of loans by industry sectors.
Loans Disbursement by Economic Sector
December 31
(in billions of Rupiah)
Agriculture and Agriculture
infrastructure
Mining
Industrial
Electricity, Gas and Water
Construction
Trading, Restaurant and Hotel
Transportation, Communication
& Warehousing
Business Services
Social Services
Others
Total
PT Bank UOB Buana Tbk.
2007
Rp %
68.35
40.01
2,409.90
1.61
180.17
5,123.60
405.37
1,290.49
74.37
3,063.08
0.54
0.32
19.04
0.01
1.42
40.48
3.20
10.20
0.59
24.20
56
2006
Rp %
69.70
43.03
2,215.65
1.54
189.75
4,246.23
264.41
1,003.31
81.58
2,234.61
0.67
0.42
21.41
0.01
1.83
41.03
2.55
9.69
0.79
21.59
Growth
Rp %
(1.35)
(3.02)
194.25
0.07
(9.58)
877.37
140.96
287.18
(7.21)
828.47
(1.94)
(7.02)
8.77
4.55
(5.05)
20,66
53.31
28.62
(8.84)
37.07
12,656.95 100.00 10,349.81 100.00 2,307.14 22.29
A large segment of the Bank’s customers are commercial borrowers who have a great need for overdraft
facilities to finance their day-to-day business transactions. As a result, the Bank maintained a disproportionately
large portion of demand deposit overdraft facilities that amounted to Rp 4,959.23 billion, accounting
for 39.18% of the Bank’s total outstanding loans as at year-end 2007. The following table shows
the breakdown of the distribution of different loan types.

Loans Disbursement by Loan type
December 31
(in billions of Rupiah)
Current Account Overdrafts
Promissory Loans
Import Loans
Fixed Loans
Installment Loans
Housing Loans
Investment Loans
Motor Vehicle Loans
Export Loans
Multi-purpose Loans
Employee Loans
Syndicated Loans
Micro Business Loans
Credit Card Loans
Receivable Financing
Total
4,959.23
1,539.10
2007
Rp %
57.60
208.50
958.16
2,794.70
1,553.13
69.06
9.03
25.42
5.16
305.67
1.12
168.74
2.33
12,656.95
39.18
12.16
57
0.46
1.65
7.57
22.08
12.27
0.55
0.07
0.20
0.04
2.42
0.01
1.33
0.02
4,579.18
1,010.93
2006
Rp %
34.29
331.91
846.30
1,982.75
1,304.03
165.72
4.78
20.42
4.49
0.60
1.48
61.35
1.58
44.24
9.77
0.33
3.21
8.18
19.16
12.60
1.60
0.05
0,20
0.04
0.01
0.01
0.59
0.02
100.00 10,349.81 100.00
380.05
528.17
Growth
Rp %
23.31
(123.41)
111.86
811.95
249.10
(96.66)
4.25
5.00
0.67
305.07
(0.36)
107.39
0.75
2,307.14
8.30
52.25
67.98
(37.18)
13.22
40.95
19.10
(58.33)
88.91
24.49
14.92
50,845.00
(24.32)
175.04
Meanwhile, working capital loans amounted to Rp 8,040.74 billion, accounting for 63.53% of total outstanding
loans as at year-end 2007. The amount of consumer loans continued to increase in size, reaching Rp 3,063.08
billion, accounting for 24.20% of total outstanding loans, in line with the Bank’s increasing focus on consumer
banking. The following table shows the breakdown of loans by different loan categories.
Loans Disbursement by Usage
December 31
(in billions of Rupiah)
Working Capital
Investment
Consumer
Total
8,040.74
1,553.13
3,063.08
2007
Rp %
63.53
12.27
24.20
6,811.05
1,304.03
2,234.73
2006
Rp %
65.81
12.60
21.59
12,656.95 100.00 10,349.81 100.00
1,229.68
249.10
828.36
47.47
22.29
Growth
Rp %
18.05
19.10
37.07
2,307.14 22.29
PT Bank UOB Buana Tbk.

Third-Party Funding
Total third-party funds as at year-end 2007 amounted to Rp 13,290.88 billion, an increase of Rp 825.46
billion, or 6.62%, from Rp 12,465.42 billion in 2006. The increase was attributed to the more aggressive and
successful marketing of the Bank’s liability products in connection with the accelerated development of its
consumer banking business. In addition to the increase in third party deposits, the Bank also benefited from
the continuing improvement of its CASA (current account savings account) ratio to total deposits, in which
the portion of time deposits declined by 4.36% year-on-year, while those of savings and demand deposits
increased by 2.70% and 1.66%, respectively. The following table breaks down the composition of the Bank’s
third party funds in 2007 and 2006.
Third-Party Funds Composition and Number of Account
December 31
2007
2006
(in billions of Rupiah) Rp % No.of Account
Rp % No.of Account
Demand Deposit
Savings account
Time deposit
Total
PT Bank UOB Buana Tbk.
3,541.63
4,758.67
4,990.58
26.65
35.80
37.55
58
28,253
163,472
27,391
3,114.87
4,126.03
5,224.52
24.99
33.10
41.91
32,078
151,593
32,436
13,290.88 100.00 219,116 12,465.42 100.00 216,107
FINANCIAL LIQUIDITY AND CAPITAL RESOURCES
The Bank maintains adequate financial liquidity and capital resources by complying with
statutory financial ratios and capital adequacy requirements as set forth by Bank Indonesia. As a
majority-owned subsidiary of UOB International Investment Private Limited (UOBII) which is 100% owned
by United Overseas Bank Limited (UOB), the Bank must also consider the requirements stipulated by the
Monetary Authority of Singapore. The following discussions describe the Bank’s financial liquidity and capital
resources in 2007 compared to 2006.
Capital Adequacy
In 2007, the Bank posted an increase of 8.85% in the amount of total stockholders’ equity to Rp 3,557.65
billion. The increase resulted from the Bank’s retained earnings account that rose by Rp 297.53 billion
from 2006’s net income. The following table sets forth the Bank’s risk-adjusted capital adequacy ratio as at
year-end 2007 and 2006.

Calculation and Breakdown of CAR
December 31
(in billions of Rupiah)
Tier I Capital
Paid-up capital
Additional paid-up capital net
General reserves
Previous years net income
Current year net income
Subtotal
Tier II Capital
Revaluation increment on fixed assets
Allowance for possible losses on earning assets
Subordinated bonds
Subtotal
Total Capital (Tier I dan Tier II)
Long-term investments
Total Capital
Total Risk Weighted Assets
CAR
Percentage of Tier-I capital
CAR (BI requirement)
Quality of Earning Assets
59
2007
Rp
1,663.34
812.60
32.50
503.06
213.18
3,224.67
103.28
127.90
297.00
528.18
(0.03)
3,752.82
13,431.57
27.94%
24.01%
8.00%
2006
Rp
1,663.34
812.60
30.00
225.77
201.28
103.28
137.53
297.00
(0.03)
3,470.77
11,258.85
30.83%
26.05%
8.00%
Growth
Rp
(0.00)
(0.00)
2.50
277.29
11.90
2,932.99 291.68
0.00
(9.63)
0.00
537.81 (9.63)
3,752.85 3,470.80 282.05
0.00
282.05
2,172.72
(2.89%)
(2.04%)
As at year-end 2007, the balance of allowance for possible losses on total loan assets amounted to Rp 201.47
billion, accounting for 1.59% of the Bank’s total outstanding loan assets. The corresponding figures in 2006
were Rp 241.37 billion and 2.33%, respectively.
PT Bank UOB Buana Tbk.

Loan Quality Classification
December 31
(in billions of Rupiah)
Current
Special Mention
Substandard
Doubtful
Loss
11,875.50
359.00
66.51
29.66
326.28
Total 12,656.95
100.00
10,349.81 100.00
Total Non Performing Loans
NPL Ratio
422.45
3.34%
2007
Rp %
60
93.83
2.84
0.53
0.23
2.58
9,542.49
353.00
146.40
57.49
250.43
454.32
4.39%
241.37
(34.85)
(6.78)
1.09
0.64
201.47
2006
Rp %
Total non-performing loans (substandard, doubtful and loss categories) amounted to Rp 422.45 billion as at
year-end 2007, accounting for 3.34% of the Bank’s total loan outstanding, compared to non-performing
loan (NPL) ratio of 4.39% in 2006. In both years, the Bank’s NPL ratios were well below the maximum limit
stipulated by Bank Indonesia for non-performing loans (net of loss provisioning) of 5% of total loans.
Allowance for Possible Losses on Loans
December 31
(in billions of Rupiah)
Beginning balance
Provision during the year
Loans written off
Recovery of loans previously written off
Exchange rate differences
Balance at end of year
PT Bank UOB Buana Tbk.
92.20
3.41
1.41
0.56
2.42
2007 2006
Rp Rp
182.20
64.13
(5.34)
1.70
(1.32)
241.37

Legal Lending Limit
In disbursing loans to the retail sector and medium scale businesses, the Bank has always complied with
stipulated legal lending limits.
Net Open Position
The Bank’s Net Open Position (NOP) as at year-end 2007 was Rp 22.46 billion or 0.60% of its equity in nominal
amount while its corresponding position at year-end 2006 was at 0.60% of equity. In 2007 and 2006
the Bank’s NOP were in compliance with Bank Indonesia’s regulation.
Liquidity
As at year-end 2007, the Bank had liquidity reserves of Rp 3,662.87 billion, comprising Rp 219.14 billion in
cash and cash equivalents. Rp 1,063.33 billion in demand deposits with Bank Indonesia and with other banks,
Rp 77.00 billion in placement with Bank Indonesia and Rp 2,303.40 billion in Bank Indonesia Certificate.
These liquid reserves represented 27.56% of the Bank’s third-party funds at year-end 2007. The amount of
demand deposits with Bank Indonesia, amounting to Rp 892.70 billion was adequate to meet Bank Indonesia’s
regulation regarding the minimum demand deposit requirement.
61 PT Bank UOB Buana Tbk.

ACCOUNTABILITY STATEMENT OF COMMISSIONERS AND DIRECTORS
Board of Commissioners and Board of Directors of UOB Buana hereby take full accountability for the correctness
of this Annual Report and its Financial Statements and other related information by signing below :
Board of Commissioners
Wee Cho Yaw
President Commissioner
Lee Chin Yong Francis
Vice President Commissioner
Board of Directors
Armand B. Arief
President Director
Wang Lian Khee
Vice President Director
Pardi Kendy
Director
Goh Seng Huat
Director
PT Bank UOB Buana Tbk.
Karman Tandanu
Commissioner
62
Wee Ee Cheong
Commissioner
Aris Janasutanta Sutirto
Director
Safrullah Hadi Saleh
Director
Hsu Francis
Director
Rusdy Daryono
Independent Commissioner
Eddy Muljanto
Director
Ishak Sumarno
Director
Soehadie Tansol
Compliance Director

63 PT Bank UOB Buana Tbk.

PT Bank UOB Buana Tbk.
This page is intentionally left blank
64

Financial Statements
With Independent Auditors’ Report
Years Ended December 31, 2007 and 2006
PT Bank UOB Buana Tbk.
65
PT Bank UOB Buana Tbk.

SENIOR OFFICERS
Group Head
Credit Approval Group
Division Head
Retail Credit Approval
Personal Financial Services Credit Approval
Trade Remittances & Settlement
System & Policy
Centralized Credit Operations
Credit Card Operations
Branches
Service Quality Assurance
Channel Support
Sales Channels
Deposit, Investment & Insurance
Unsecured Products
Mortgage & Secured Loan
Privilege Banking
Compliance
Risk Management
Human Resources
Large Commercial Business
Small and Medium Enterprise Business
Global Market & Investment Business
Global Market & Investment Support
Accounting & Finance
Corporate Secretary & Communications/Investor Relations
Corporate Planning
Property & General Services
Information Technology
Legal
Internal Audit
Regional Office Head
Jakarta Regional Office
West Java Regional Office
East Java Regional Office
Central Java Regional Office
Sumatera Regional Office
Kalimantan Regional Office
* Subject to Final Approval by the Central Bank
** Effective since January 2008
143
: Ajeep Rasidi Bin Othman
: Yongky Irawan
: Doddy Permadi Syarief
: Yanto Ramli
: Melani Misniwati
: Januar Tedjo Kusumo
: Basuki Tjahjono
: Welhelmus Indra Widjaja
: Arif Yulianto
: Lukman Sulistya
: Agus Setiawan Sutedjo
: Jacking Edyanto Wijaya
: Iwan Notowidigdo
: Heintje Mogi
: Lee Bon Teck (Freddy)*
: Dewi Arimbi Kurniawati
: Wahyu Suryadi
: Marulam Sitohang
: Lim Marjono
: Chew Tjiong Kie
: Bambang Eko Karjono
: Alwil Lim
: Karnadi Widodo
: Susan Kwanto**
: Susan Kwanto
: Theo Kharisma
: Adrianto Liauw
: Maruba Sihaloho
: Janti (Deputy Head)
: Antony
: Didi Tjahjono Tirtokusumo
: Iman Setijo Budi Utomo
: Bambang Suradi
: Ismanjah Kurniawan (Temporary Officer)
: Amir Abidin
PT Bank UOB Buana Tbk.

ORGANIZATIONAL STRUCTURE
Board of Commissioners
Audit Committee
Risk Monitoring
Committee
Remuneration &
Nomination Committee
Credit Committee
Board of Directors
EXCO
ALCO Committee
Human Resources
Committee
Risk Management
Committee
Business Continuity
Management Committee
Credit Policy
Committee
Computer Security
Committee
President Director
Information Technology
Committee
Vice President Director
Information
Technology
Director
Corporate
Services
Director
Commercial
Banking
Director
Human
Resources
Director
Compliance
Director
Personal
Financial
Services
Director
Delivery
Channels &
Operations
Director
Credit
Approval
Director
Special Asset
Management
Director
Internal
Audit
Division
Legal
Division
Information
Technology
Group
Corporate
Secretary &
Communications/
Investor
Relations
Division
Global
Market &
Investment
Group
Retail
Business
Division
Human
Resources
Division
Risk
Management
Division
Compliance
Division
Regional
Operations
Jakarta
West Java
East Java
Central Java
Sumatera
Kalimantan
Sales
Channels
Division
Trade
Remittances
& Settlement
Division
Credit
Approval
Group
Special Asset
Management
Division
Information
Technology
Division
Deposit,
Investment
& Insurance
Division
System &
Policy
Division
Large
Commercial
Credit
Approval
Division
Retail
Credit
Approval
Division
Corporate
Planning
Division
Global
Market &
Investment
Business
Division
Large
Commercial
Business
Division
Unsecured
Products
Division
Centralised
Credit
Operations
Division
Accounting
& Finance
Division
Global
Market &
Investment
Support
Division
Small &
Medium
Enterprise
Business
Division
Personal
Financial
Services
Credit
Approval
Division
Mortgage &
Secured Loan
Division
Credit Card
Operations
Division
Property &
General
Services
Division
Strategic
Team
Division
Privilege
Banking
Division
Delivery
Channels
Division
Small &
Medium
Enterprise
Credit
Approval
Division
Collection
Division
Branches
Division
Financial
Planning
Division
Service
Quality
Assurance
Division
Channel
Support
Division
Notes :
= Special Communication Line
= Command Line

PRODUCT AND SERVICES
1. Lending Products
• KPR Pondok Buana
• KPR Buana Plus
• KKB Oto Buana
• Multi Purpose Loan
• Overdraft Facility
• Promissory Notes
• Fixed Loan
• Import & Export Financing
2. Funding Products
• Time Deposits (Rupiah & Foreign Currency)
• Productive Savings
• Prioritas Savings
• Buana Plus Savings
• Current Account (Rupiah & Foreign Currency)
145
3. Services
• Letter of Credit
• Tax Payment
• Bank Guarantee
• Safe Deposit Box
• Payment Draft & Collection
• Bank Draft & Travelers’ Cheque
• Inward & Outward Transfer
• On-Line Bill Payment
• Mobile Banking
• ATM
• UOB Credit Card
• Debit Card
• Call Center
4. Investment Product
• Distribution Agent for Mutual Funds
• Distribution Agent for Discretionary Funds
5. Insurance Product
• Distribution Agent for Single &
Regular Premium Life Insurance
PT Bank UOB Buana Tbk.

BRANCH NETWORK
HEAD OFFICE
Jl. Gajah Mada No. 1A,
Jakarta 10130
Tel. (021) 63865927, 6330585 (Hunting)
Fax. (021) 6324467, 6322373
Website : www.uobbuana.com
ASEMKA BRANCH
Jl. Asemka No. 32-36,
Jakarta 11110
Tel. : (021) 6922901, 6922045,
2601051, 2601055
Fax. : (021) 2601033, 6924105,
2601013, 6925946
Sub-Branches:
Glodok Plaza
Komp. Glodok Plaza Blok F No. 1-2
Jl. Pinangsia Raya, Jakarta Barat
Tel. : (021) 6595026, 6596745,
6280943-44
Fax. : (021) 6280944
Pluit
Jl. Pluit Kencana Raya No. 76,
Jakarta Utara
Tel. : (021) 6611770–71
Fax. : (021) 6691163
Petak Baru
Jl. Petak Baru No. 25-26,
Jakarta Barat 11110
Tel. : (021) 6922115, 6922432, 6912224,
6924069, 6901756-57, 6917410-11
Fax. : (021) 6928086
Mangga Dua
Pusat Grosir Pasar Pagi Mangga Dua
Lt. III Blok BC
No. 011, 012, 012A & 014
Jl. Mangga Dua Raya, Jakarta Utara
Tel. : (021) 6255661, 2601031, 6127340
Fax. : (021) 6127341
Soekarno-Hatta Airport
Terminal D Arrival Hall
Ruang Usaha No. D9 P14 & 15
Tel. : (021) 5501182-83, 5506814
Fax. : (021) 5501181
Terminal D Departure Hall
Ruang Usaha No. D9 D60
Tel. : (021) 5501184
Mangga Dua Plaza
Mangga Dua Plaza Blok F No. 5
Jl. Mangga Dua Raya, Jakarta Pusat
Tel. : (021) 6120086, 6120912, 6129128,
6129129
Fax. : (021) 6129130
PT Bank UOB Buana Tbk.
Jembatan Dua
Jl. Jembatan Dua No. 139 A,
Jakarta Utara
Tel. : (021) 6631760-62
Fax. : (021) 6610615
Muara Karang
Jl. Muara Karang No. 1
RT. 019 RW. 02 (Kav. Blok Y3 Barat
No. 10), Jakarta Utara
Tel. : (021) 6625967-69, 6601048
Fax. : (021) 6606171
HARMONI BRANCH
Jl. Gajah Mada No. 1A, Jakarta 10130
Tel. : (021) 63865927, 6330585
Fax. : (021) 6324467, 6322373
Sub-Branches:
Petojo
Jl. A.M Sangaji No. 25 E, Jakarta Pusat
Tel. : (021) 6324562-63
Fax. : (021) 6324562
Roxy Mas
Jl. K.H. Hasyim Ashari Blok D4 No. 18
Roxy Mas, Jakarta
Tel. : (021) 63858204-07
Fax. : (021) 63858207
Sawah Besar
Jl. Sukarjo Wiryopranoto No. 26,
Jakarta Pusat
Tel. : (021) 3853677, 2313678,
2313479, 3453336, 3453337
Fax. : (021) 3860602
Pasar Baru
Pusat Perbelanjaan Metro Pasar Baru
Jl. Samanhudi Lantai Dasar
No. 112A-115 Jakarta Pusat
Tel. : (021) 3500523, 3850468
Fax. : (021) 3455719
K.H. M. Mansyur
Jl. K.H. M. Mansyur No. 202 B,
Jakarta Barat
Tel. : (021) 6332755, 6332756
Fax. : (021) 6332759
Mangga Besar
Jl. Mangga Besar No. 68–68A
Jakarta Barat 11150
Tel. : (021) 6594677, 6292150, 6292349
Fax. : (021) 6293113
Pangeran Jayakarta
Jl. Pangeran Jayakarta No. 126-129
Blok A / 5, Jakarta Pusat 10730
Tel. : (021) 62201905-907, 6016574
Fax. : (021) 62201904
146
Jembatan Lima
Jl. K.H. Mas Mansyur No. 165 A
Rt. 003 Rw. 02 Kel. Jembatan Lima,
Kec. Tambora, Jakarta Barat 11250
Tel. : (021) 6340565, 6335251,
63859132-34
Fax. : (021) 6291344
WAHID HASYIM BRANCH
Jl. K.H. Wahid Hasyim No. 89,
Jakarta 10350
Tel. : (021) 2303610 (Hunting)
Fax. : (021) 2303611
Sub-Branches:
Pondok Indah
Proyek Perumahan Pondok Indah
Blok IS/E-IA dan IB
Jl. T.B. Simatupang, Jakarta Selatan
Tel. : (021) 75906165
Fax. : (021) 75900185
Tanah Abang
Pusat Perdagangan Tanah Abang
Bukit Blok F No. 6-8
Jl. K.H. Fahruddin No. 36, Jakarta
Tel. : (021) 3803320, 3846171
Fax. : (021) 373406
Fatmawati
Jl. Fatmawati Raya No. 1
Rt. 001 Rw. 04, Jakarta 12150
Tel. : (021) 7504770
Fax. : (021) 7661333
Senen
Pusat Perdagangan Senen
Lantai 4 Blok I No. 11-12, Jakarta Pusat
Tel. : (021) 4210826, 4211072,
4252083, 4268271
Fax. : (021) 4210461
Bungur
Ruko Central Bungur
Jl. Bungur Besar 42B,
Gunung Sahari Selatan,
Jakarta Pusat 10610
Tel. : (021) 4250813, 4248841
Fax. : (021) 4248844
Depok
Jl. Kartini No. 88 C-D, Depok
Tel. : (021) 7765236, 77202916-18
Fax. : (021) 7765237
Pasar Minggu
Jl. Raya Ragunan No. 11
Pasar Minggu, Jakarta Selatan
Tel. : (021) 7804680, 78831562,
7890439
Fax. : (021) 7890438

Panglima Polim
Jl. Panglima Polim Raya No. 18 A-C
Kebayoran Baru, Jakarta Selatan 12130
Tel. : (021) 7251603, 7202668,
7251655 Fax. : (021) 7222187
Arteri Pondok Indah
Jl. Sultan Iskandar Muda
(Arteri Pondok Indah) No. 18 F
RT. 001 / RW. 002,
Kel. Kebayoran Lama Selatan
Kec. Kebayoran Lama,
Jakarta Selatan
Tel. : (021) 72801071
Fax. : (021) 72801078
Plaza Atrium
Jl. Senen Raya No. 135
Lantai V Blok BC 63-64
Jakarta Pusat 10410
Tel. : (021) 3862972, 3862792
Fax. : (021) 3512510
Metro Tanah Abang
Pusat Grosir Metro Tanah Abang
Lt. 6 Unit No. 8
Jl. K.H. Wahid Hasyim No. 187-189
Kel. Kebon Kacang, Kec. Tanah Abang,
Jakarta Pusat
Tel. : (021) 30036023-25
Fax. : (021) 30036026
Permata Hijau
Grand ITC Permata Hijau Emerald
No, 10 Jl. Letjend Soepeno
(Arteri Permata Hijau) Kel. Grogol
Utara, Kec. Kebayoran Lama,
Jakarta Selatan 12210
Tel. : (021) 53663111
Fax. : (021) 53663222
KELAPA GADING BRANCH
Jl. Raya Barat Boulevard
Blok LC 7 No. 1-2 Kelapa Gading
Permai, Jakarta Utara 14240
Tel. : (021) 4529171 (Hunting)
Fax. : (021) 4529179, 45844045,
45844728
Sub-Branches:
Bekasi
Jl. Ir. H. Juanda No. 98 G
Bekasi Timur
Tel. : (021) 8802926, 8809675,
8812179, 8817127
Fax. : (021) 88348645
Kelapa Gading Boulevard
Jl. Boulevard Raya Blok FW I No. 18
Kelapa Gading Boulevard,
Jakarta Utara
Tel. : (021) 4531069-70
Fax. : (021) 45841059
Rawamangun
Jl. Pegambiran No. 33 Rawamangun,
Jakarta Timur 13220
Tel. : (021) 4703107, 4707069,
4722162
Fax. : (021) 4753326
Tanjung Priok
Jl. Yos Sudarso No. 69-70,
Kebon Bawang, Tanjung Priok,
Jakarta Utara
Tel. : (021) 4351459-61, 4366571-72
Fax. : (021) 4366562
Sunter Agung
Jl. Danau Sunter Agung Utara
Blok D 1 No. 6 B Sunter Agung,
Jakarta
Tel. : (021) 6451120 - 21,
65833281 - 82
Fax. : (021) 6453821
Pondok Gede
Pondok Gede Plaza Ruko Blok D/12
Pondok Gede, Bekasi
Tel. : (021) 84993550-52
Fax. : (021) 84993552
Kramat Jati
Jl. Raya Bogor No.1, Unit RA 2,
RT. 001 RW. 01 Kel. Kramat Jati,
Kec. Kramat Jati, Jakarta Timur.
Tel. : (021) 8011644, 8092417,
80878641
Fax. : (021) 8013973
Jatinegara
Jl. Pintu Pasar Utara No. 10-12
Kel. Balimester, Kec. Jatinegara,
Jakarta Timur 13310
Tel. : (021) 8191918, 8193110,
8197726, 2800178
Fax. : (021) 8508919
Bekasi Selatan
Jl. Achmad Yani Kav. A4 No.7
Ruko Kalimalang Commercial Centre
Desa Kayuringin, Bekasi
Tel. : (021) 8853521, 88965890-93
Fax. : (021) 88965588
Cikarang
Komplek Ruko
Cikarang Commercial Center
Blok B1 No. 23
Jl. Raya Cikarang Cibarusah
KM. 40 No. 1 Kel. Pasar Sari,
Kec. Cikarang Selatan,
Bekasi 17550
Tel. : (021) 89835725, 89835726,
89835727
Fax. : (021) 89835724
147
Cempaka Mas
Ruko Mega Grosir Cempaka Mas
Blok D1 No. 3 Jl. Letjend. Suprapto,
Kel. Sumur Batu, Kec. Kemayoran,
Jakarta Pusat
Tel. : (021) 42906693, 42906694,
42889441
Fax. : (021) 42889440
GREEN GARDEN BRANCH
Komplek Perumahan Green Garden
Blok A7 No. 47-50 Kel. Kedoya Utara,
Kec. Kebon Jeruk, Jakarta Barat
Tel. : (021) 5819004-06, 5802814-15
Fax. : (061) 5802776
Sub-Branches:
Tangerang
Jl. Ki Asnawi No. 64 C-D,
Tangerang 15111
Tel. : (021) 5523081-83-84,
55799082-83
Fax. : (021) 5523082
Cimone
Jl. Merdeka No. 320
Kel. Cimone Jaya, Kec. Karawaci,
Tangerang
Tel. : (021) 5522004
Fax. : (061) 5525017
Kedoya
Kompleks Perumahan
Taman Cosmos Megah Permai
Blok I No. 1-2 Kedoya, Jakarta Barat
Tel. : (021) 5652332, 5640948-49
Fax. : (021) 5652338
Cengkareng
Taman Palem Lestari Blok D 10 No. 1
Cengkareng Barat, Jakarta Barat 11730
Tel. : (021) 55957447, 55957448,
55957449
Fax. : (021) 55957446
Duta Mas
Kompleks Perumahan Taman Duta Mas
Blok D8 No. 1 Grogol Petamburan,
Jakarta Barat
Tel. : (021) 5649621, 5648262,
5649550, 56942340
Fax. : (021) 5649464
Teluk Gong
Komplek Duta Harapan Indah
Blok G No. 10 Kapuk Muara,
Jakarta Utara
Tel. : (021) 6617577–78, 6622957
Fax. : (021) 6612279
PT Bank UOB Buana Tbk.

BSD Golden
Ruko BSD Golden Boulevard
Blok C No. 6
Jl. Pahlawan Seribu, Kel. Buaran
Lengkong Karya, Kec. Serpong,
Tangerang, Banten
Tel. : (021) 53160680, 53160681,
53153168, 53153169
Fax. : (021) 53153087
Tanjung Duren
Jl. Tanjung Duren Raya Blok N No. 352
Rt. 007 Rw. 03 Kel. Tanjung Duren
Utara, Kec. Grogol, Jakarta Barat
Tel. : (021) 5642027, 5673950,
56969082
Fax. : (021) 5685079
Pesanggrahan
Jl. Pesanggrahan No. 23
Rt. 001 Rw. 003 Kel. Meruya Utara,
Kec. Kembangan, Jakarta Barat
Tel. : (021) 58903811-16, 58902645
Fax. : (021) 58903817
Citra Garden 2
Komplek Rukan Citra Niaga
Blok A No. 3 Jl. Utan Jati
(Depan Perumahan Citra Garden 2)
Kel. Pegadungan, Kec. Kalideres,
Jakarta Barat
Tel. : (021) 54377025-31
Fax. : (021) 54374021
MEDAN BRANCH
Jl. Palang Merah No. 30 Medan
Tel. : (061) 4156574 (6 Lines)
Fax. : (061) 4148556, 4154793,
4560116
Sub-Branches:
Tomang Elok
Jl. Jend. Gatot Subroto Kompleks
Tomang Elok Blok A No. 55
Sei Sikambing, Medan
Tel. : (061) 8455405, 8455785,
8455635
Fax. : (061) 8455656
Central Pasar
Jl. Letjen Haryono MT
Central Pasar Medan Lantai 1
Blok I No. 1-2-17-18, Medan
Tel. : (061) 4531929, 4531611
Fax. : (061) 4531737
Asia
Jl. Asia No. 132/172 Kel. Sei Rengas I
Kec. Medan Kota, Medan 20214
Tel. : (061) 7368623, 7368653
Fax. : (061) 7368932
PT Bank UOB Buana Tbk.
Pulo Brayan
Jl. K.L. Yos Sudarso No. 258/16A
Pulo Brayan, Medan
Tel. : (061) 6611688, 6611911
Fax. : (061) 6636922
Petisah
Jl. Nibung Utama No. 10
Kel. Petisah Tengah,
Kec. Medan Petisah, Medan 20112
Tel. : (061) 4554322, 4143383
Fax. : (061) 4530251
Krakatau
Jl. Gunung Krakatau No. 111C
Kel. Glugur Darat I,
Kec. Medan Timur, Medan
Tel. : (061) 6620991, 6623079,
6632211
Fax. : (061) 6643483
Medan Business Centre (MBC)
Komplek Medan Business Centre
(MBC)
Jl. Letjend. S. Parman Blok A No. 16
Kel. Petisah Tengah,
Kec Medan Petisah Medan 20112
Tel. : (061) 4148167, 4148724,
4148743
Fax. : (061) 4148295
SURABAYA BRANCH
Jl. Panglima Sudirman No. 53,
Surabaya
Tel. : (031) 5471772, 5481888
(Hunting)
Fax. : (031) 5345026, 5345136,
5345146
Sub-Branches:
Coklat
Jl. Coklat No. 12–14, Surabaya
Tel. : (031) 3526785, 3530967
Fax. : (031) 3523332
Kertopaten
Jl. Kertopaten 30
Kertopaten, Surabaya
Tel. : (031) 3760601-02
Fax. : (031) 3762855
Sidoarjo
Jl. Jend. Achmad Yani 40 J
Sidoarjo, Surabaya
Tel. : (031) 8941046-47
Fax. : (031) 8941836
Mayjend. Sungkono
Komp. Darmo Park I
Blok III-A No. 7-8
Jl. Mayjend. Sungkono, Surabaya
Tel. : (031) 5672982, 5614431-32
Fax. : (031) 5672982
148
Kedungdoro
Jl. Kedungdoro 155D, Surabaya
Tel. : (031) 5321365, 5322451
Fax. : (031) 5471442
Kertajaya
Jl. Kertajaya No. 172, Surabaya
Tel. : (031) 5017300, 5019391
Fax. : (031) 5017300
Kapas Kerampung
Jl. Kapas Krampung 55 B, Surabaya
Tel. : (031) 3727910, 3718281,
3769292
Fax. : (031) 3715633
Rungkut
Jl. Rungkut Kidul Industri No. 62,
Surabaya
Tel. : (031) 8418271, 8419272
Fax. : (031) 8414517
Pasar Atom
Kompleks Pertokoan Pasar Atum
Blok G-18, Surabaya
Tel. : (031) 3523545, 3558115
Fax. : (031) 3530793
Pasar Turi
Kompleks Pasar Turi Tahap 4
Lantai I Blok R-2, Surabaya
Tel. : (031) 3577212, 3577243
Fax. : (031) 3577128
Bratang Binangun
Ruko PT Rukun Makmur Indah (RMI)
Blok G 17,
Jl. Bratang Binangun, Surabaya
Tel. : (031) 5043647, 5043225
Fax. : (031) 5046026
Gresik
Jl. R. A. Kartini No. 150, Gresik
Tel. : (031) 3990052-53
Fax. : (031) 3990054
Klampis
Jl. Klampis Jaya No. 27C,
Kel. Klampisngasem,
Kec. Sukolilo, Surabaya, Jawa Timur
Tel.: (031) 5927261, 5927672,
5927673
Fax.: (031) 5927262
Baliwerti
Jl. Gemblongan No. 65L
Kel. Aloon-aloon Contong,
Kec. Bubutan, Surabaya, Jawa Timur
Tel.: (031) 5322886, 5327030
Fax.: (031) 5353720

BUKIT DARMO BRANCH
Jl. Raya Bukit Darmo Golf Blok R
No. 28-30 Kel. Pradah Kalikendal,
Kec. Dukuh Pakis, Surabaya,
Jawa Timur
Tel.: (031) 7343949 (Hunting),
7326000 (Privilege Banking),
5486008 (Call Centre 24 jam)
Fax.: (031) 7343910 (Secrektariat)
7348259 (Back Office Lt.1)
7341943 (Back Office Lt.2)
BANDUNG BRANCH
Jl. Jend. Sudirman No. 55A, Bandung
Tel. : (022) 4204491 (10 lines)
Fax. : (022) 4238906
Sub-Branches:
Achmad Yani
Jl. Jend. Achmad Yani No. 235,
Bandung
Tel. : (022) 7204952
Fax. : (022) 7205551
Kopo
Jl. Kopo No. 91, Bandung
Tel. : (022) 5230030
Fax. : (022) 5204784
Kiaracondong
Jl. Kiaracondong No. 267, Bandung
Tel. : (022) 7301110, 7311930
Cimahi
Jl. Raya No. 545, Cimahi
Tel. : (022) 6649530
Fax. : (022) 6657013
Sukajadi
Jl. Sukajadi No. 5, Bandung
Tel. : (022) 2037498, 2039266
Fax. : (022) 2039266
Banceuy
Komp. Pertokoan Banceuy Permai
Blok B 7 No. 80, Bandung
Tel. : (022) 4237267, 4210851
Fax. : (022) 4214267
Andir
Jl. Jamika No. 22, Bandung
Tel. : (022) 6000992, 6023509
Fax. : (022) 6023472
Kopo Bihbul
Jl. Raya Kopo Bihbul No. 69,
Bandung
Tel. : (022) 5401131, 5420269
Fax. : (022) 5420466
Ujung Berung
Jl. Raya Ujung Berung No. 26, Bandung
Tel. : (022) 7832512-13
Fax. : (022) 7832513
stana Plaza
Istana Plaza Blok LG/D2,
Jl. Pasirkaliki 121/123
(Jalan Pajajaran No.64), Bandung
Tel. : (022) 6006623/853, 6040845
Fax. : (022) 6030117
Bandung Electronic Centre (BEC)
Bandung Electronic Centre (BEC)
Blok UG A-06
Jl. Purnawarman No. 13-15, Bandung
Tel. : (022) 4202374-76
Fax. : (022) 4202393
Garut
Jl. Cileduk No. 101-A, Lantai I
Kel. Regol, Kec. Garut Kota,
Kab Garut, Jawa Barat
Tel. : (0262) 243948, 243949, 243956
Fax. : (0262) 243957
Pungkur
Jl. Pungkur No. 139A
Kel. Balonggede, Kec. Regol,
Bandung
Tel. : (022) 4262357-58-60
Fax. : (022) 4262361
SEMARANG BRANCH
Gang Tengah No. 16, Semarang
Tel. : (024) 3547415
Fax. : (024) 3542142, 3542478
Sub-Branches:
Siliwangi
Jl. Jend. Sudirman No. 131,
Semarang
Tel.: (024) 7608791
Fax. : (024) 7608723
Majapahit
Jl. Brigjend. Sudirato 106, Semarang
Tel. : (024) 6723762
Fax. : (024) 6723761
Weleri
Jl. Terminal Colt No. 4, Semarang
Tel. : (0294) 41393-94, 41411
Fax. : (0294) 41394
Ambarawa
Jl. Jend. Sudirman No. 57/AI-2-3
Komp. Pertokoan Ambarawa Plaza,
Ambarawa
Tel. : (0298) 591289, 592290
Fax. : (0298) 591289
Salatiga
Komp. Pertokoan Salatiga Plaza
Blok A/4
Jl. Jend. Sudirman 61, Salatiga
Tel. : (0298) 322027
Fax. : (0298) 326032
149
Lik
Jl. Industri Raya Timur
Kaveling No. 1, Semarang
Tel. : (024) 6590868-70
Fax. : (024) 65690867
Mataram
Jl. MT. Haryono Ruko Plaza
Blok A No. 8 A, Semarang
Tel. : (024) 3560033, 3560461
Fax. : (024) 3560462
Agus Salim
Komp. Ruko THD Blok B-21
Jl. K.H. Agus Salim, Semarang
Tel. : (024) 3584035, 3584007
Fax. : (024) 3584036
MAKASSAR BRANCH
Jl. Sulawesi No. 83, Makassar
Tel. : (0411) 321421
Fax. : (0411) 315702, 319457
Sub-Branches:
Bandang
Jl. Bandang No. 50 B, Makassar
Tel. : (0411) 326694
Fax. : (0411) 317445
Panakkukang
Jl. Pengayoman No. 48, Makassar
Tel. : (0411) 421921, 433017
Fax. : (0411) 458260
Sungguminasa
Ruko Balla Lampoa Plaza Blok E No. 3,
Jl. K.H. Wahid Hasyim, Sungguminasa,
Makassar
Tel. : (0411) 841707, 841392
Fax. : (0411) 841458
Daya
Komplek Ruko KIMA Square
Blok A No. 8
Jl. Perintis Kemerdekaan, Makassar
Tel. : (0411) 4723417
Fax. : (0411) 4723418
PALEMBANG BRANCH
Jl. Mesjid Lama No. 48-50, Palembang
Tel. : (0711) 310965 (7Lines)
Fax. : (0711) 313216
Sub-Branches:
Jend. Sudirman
Jl. Jend. Sudirman No. 1031D-E,
Palembang
Tel. : (0711) 358682, 358411
Fax. : (0711) 354891
10 Ulu
Jl. K.H. Azhari No. 56-58, Palembang
Tel. : (0711) 515584, 515574
Fax. : (0711) 513344
PT Bank UOB Buana Tbk.

KM 5
Jl. Kol. H. Burlian No. 48, Palembang
Tel. : (0711) 411287
Fax. : (0711) 411287
16 Ilir
Jl. Pasar 16 Ilir No. 132, Palembang
Tel. : (0711) 354233
Fax. : (0711) 365833
Veteran
Jl. Veteran No. 1365A, Palembang
Tel. : (0711) 355496, 353034,
373260, 313104
Fax. : (0711) 321292
R. Sukamto
Jl. R. Sukamto No. 84, Palembang
Tel. : (0711) 353929 (Hunting)
Fax. : (0711) 310420
SOLO BRANCH
Jl. Jend. Urip Sumoharjo No. 13-17,
Solo
Tel. : (0271) 646348 (12 Lines)
Fax. : (0271) 646533, 646947, 630620
Sub-Branches:
Pasar Klewer
Kios Pasar Klewer Blok EE No. 9-12
Jl. SecoyudanSolo
Tel. : (0271) 641798
Fax. : (0271) 641798
Kratonan
Jl. Yos. Sudarso No. 246 Solo
Tel. : (0271) 652626 (3 lines)
Fax. : (0271) 655622
Pasar Legi
Pasar Legi Kios No. 26-27
Jl. S. Parman Solo
Tel. : (0271) 666536
Fax. : (0271) 641177
Klaten
Jl. Pemuda Utara No. 133 Klaten
Tel. : (0272) 321282
Fax. : (0272) 322378
Sragen
Jl. Raya Sukowati No. 194
Sragen, Kel. Sragen Kulon,
Kec. Sragen, Kab. Sragen, Jawa Tengah
Tel. : (0271) 891276, 891250
Fax. : (0271) 891276
Palur
Jl. Raya Palur No. 59,
Karanganyar, Solo
Tel. : (0271) 827474, 821733
Fax. : (0271) 821166
PT Bank UOB Buana Tbk.
PONTIANAK BRANCH
Jl. Tanjung Pura No. 278, Pontianak
Tel. : (0561) 732600, 734656
Fax. : (0561) 736282
Sub-Branches:
Sungai Raya
Jl. Adi Sucipto Km 7,3 Sungai Raya
Tel. : (0561) 721770
Sultan Muhammad
Jl. Sultan Muhammad No. 183,
Pontianak
Tel. : (0561) 731582
CIREBON BRANCH
Jl. Yos Sudarso No. 29, Cirebon
Tel. : (0231) 205040, 206959,
206396, 221541
Fax. : (0231) 201989, 248340
Sub-Branches:
Kuningan
Jl. Jend. Sudirman No. 51/55, Kuningan
Tel. : (0232) 871738, 871810
Fax. : (0232) 876641
Pasar Balong Pekiringan
Jl. Pekiringan No. 113, Cirebon
Tel. : (0231) 205625
Fax. : (0231) 211423
Plered
Jl. Raya Plered No. 56A Rt.01/Rw.01
Desa Weru Lor, Kecamatan Weru,
Kabupaten Cirebon, Cirebon
Tel. : (0231) 325372
Fax. : (0231) 325371
BENGKULU BRANCH
Jl. Let. Jend. Suprapto No. 169-171,
Bengkulu
Tel. : (0736) 21705 (Hunting)
Fax. : (0736) 21110
Sub-Branches:
Curup
Jl. Merdeka No. 11, Curup
Tel. : (0732) 21764
Fax. : (0732) 21024
Lingkar Timur
Jl. Salak No. 105 C, Panorama Lingkar
Timur, Bengkulu
Tel. : (0736) 345222
Fax. : (0736) 345333
JEMBER BRANCH
Jl. Gajah Mada No. 68, Jember
Tel. : (0331) 484545, 424759, 424859
Fax. : (0331) 484980
150
Sub-Branches:
Kencong
Jl. Krakatau No. 1, Kencong
Tel. : (0336) 321228
Balung
Jl. Puger No. 28, Jember
Tel. : (0336) 621306
Ambulu
Jl. Suyitman No. 46
Ambulu, Jember
Tel. : (0336) 881902
Bondowoso
Jl. R.E. Martadinata No. 49,
Bondowoso
Tel. : (0332) 421429
DENPASAR BRANCH
Jl. Dr. Wahidin No. 39, Denpasar
Tel. : (0361) 433014 (Hunting)
Fax. : (0361) 424245
Sub-Branches:
Tabanan
Jl. Gajah Mada No. 80, Tabanan
Tel. : (0361) 811588, 811277
Fax. : (0361) 812569
Klungkung
Jl. Dharmawangsa No. 8, Semarapura
Tel. : (0366) 22062, 24442
Fax. : (0366) 24456
Kuta
Jl. Raya Legian No. 99X
Tel. : (0361) 754044, 767188
Fax. : (0361) 767189
Gatot Subroto
Jl. Gatot Subroto No. 100X Kav. 10
Tel. : (0361) 259562, 248826
Fax. : (0361) 259568
Diponegoro
Jl. Diponegoro No.150 Blok A1 No. 2
Tel. : (0361) 262773, 263719-20
Fax. : (0361) 247246
Istana Kuta Galeria
Kompleks Pertokoan Istana Kuta
Galeria Blok Valet 2 No. 15
Jl. Patih Gelantik, Kuta
Tel. : (0361) 769255
Fax. : (0361) 769269
TASIKMALAYA BRANCH
Jl. Empang No. 50, Tasikmalaya
Tel. : (0265) 310300 (5 Lines)
Fax. : (0265) 332007

Sub-Branches:
Ciamis
Jl. Pasar Manis Ruko No. 38, Ciamis
Tel. : (0265) 777200, 774011
Fax. : (0265) 777200
Banjar
Jl. Letjen. Suwarto No. 99 Banjar
Tel. : (0265) 743469, 742860
Fax. : (0265) 742860
Pasar Wetan
Jl. Pasar Wetan Baru No. 12,
Tasikmalaya
Tel. : (0265) 334023, 311041
Fax. : (0265) 311041
SERANG BRANCH
Jl. M. Hasanuddin, Serang Plaza Blok
II No. 3-7, Serang
Tel. : (0254) 200153, 201566
Fax. : (0254) 200692
Sub-Branches:
Cilegon
Jl. Raya Cilegon No. 6, Cilegon
Tel. : (0254) 391033, 392057
Fax. : (0254) 391151
Rangkasbitung
Jl. Sunan Kalijaga No.62,
Rangkasbitung
Tel. : (0254) 201595, 201703
Fax. : (0254) 201596
BANDAR LAMPUNG BRANCH
Jl. Ikan Tenggiri No. 17/A
Teluk Betung, Bandar Lampung
Tel. : (0721) 481620, 484959,
482982 (Hunting)
Fax. : (0721) 482951
Sub-Branches:
Tanjung Karang
Jl. Padang Blok B III No. 2,
Tanjung Karang
Tel. : (0721) 261155
Fax. : (0721) 261927
Metro
Kompleks Pertokoan Sumur Bandung
Blok B No. 3, Metro, Bandar Lampung
Tel. : (0725) 49988
Fax. : (0725) 47123
Ikan Bawal
Jl. Ikan Bawal No. 87, Teluk Betung,
Bandar Lampung
Tel. : (0721) 489694
Fax. : (0721) 489695
MAGELANG BRANCH
Jl. Tidar No. 17, Magelang
Tel. : (0293) 362181, 364344,
365261, 364405-06
Fax. : (0293) 364271
Sub-Branches:
Purworejo
Jl. Kol. Sugiono No. 44, Purworejo
Tel. : (0275) 325357
Fax. : (0275) 321740
Temanggung
Jl. S. Parman No. 36 A, Temanggung
Tel. : (0293) 491555
Fax. : (0293) 491155
Muntilan
Komp. Ruko PJKA Blok A II No. 3
Jl. Pemuda, Muntilan 56413
Tel. : (0293) 586508, 587323
Fax. : (0293) 587415
Wonosobo
Jl. Jend. A. Yani No. 112
Wonosobo, Magelang
Tel. : (0286) 321302, 321598
Fax. : (0286) 321598
PEKANBARU BRANCH
Jl. Jend. Sudirman No. 442,
Pekanbaru
Tel. : (0761) 21116, 21168,
848053, 20879
Fax. : (0761) 848052
Sub-Branches:
Jalan Nangka
Jl. Nangka / Tuanku Tambusai No. 181
Pekanbaru, Riau
Tel. : (0761) 31308-9, 20439, 20440
Fax. : (0761) 37317
Juanda
Jl. Ir. H. Juanda No. 125, Pekanbaru
Tel. : (0761) 23648, 38885, 38964
Fax. : (0761) 855791
BALIKPAPAN BRANCH
Jl. A. Yani RT 61 No. 267,
Balikpapan
Tel. : (0542) 732531 (Hunting)
Fax. : (0542) 732534, 734204
Sub-Branches:
Pandan Wangi
Jl. Pandan Sari No. 37, Kel. Marga Sari,
Kec. Balikpapan Barat, Balikpapan
Tel. : (0542) 733597, 423009
Fax. : (0542) 733597
151
Klandasan Ulu
Komplek Pertokoan Cemara Rindang
Jl. Jend. Sudirman No. 76,
Klandasan Ulu, Balikpapan
Tel. : (0542) 733064, 736809
Fax. : (0542) 736809
Balikpapan Permai
Komplek Balikpapan Permai
Jl. Jend. Sudirman Blok C/II No. 88,
Balikpapan
Tel. : (0542) 733238, 733228
Fax. : (0542) 733238
SAMARINDA BRANCH
Jl. Pangeran Diponegoro No. 68-70,
Samarinda
Tel. : (0541) 732492-95-97,
749516-17-18
Fax. : (0541) 732490
Sub-Branches:
Dr. Soetomo
Jl. Dr. Soetomo No. 4, Samarinda
Tel. : (0541) 745082, 746807
Fax. : (0541) 735927
Yos Sudarso
Jl. Yos Sudarso No.36,
Samarinda 75112
Tel. : (0541) 731558, 741586
Fax. : (0541) 742274
BANYUWANGI BRANCH
Jl. Jend. Sudirman No. 16,
Banyuwangi
Tel. : (0333) 426500, 424705,
423061-62, 422270-71, 424070
Fax. : (0333) 424260
Sub-Branches:
Genteng
Jl. Gajah Mada No. 168A
Genteng, Banyuwangi
Tel. : (0333) 845453
Fax. : (0333) 845388
Muncar
Jl. Raya No. 147, Muncar
Tel. : (0333) 593064
Fax. : (0333) 593504
Rogojampi
Jl. Raya Rogojampi No. 102,
Rogojampi, Banyuwangi
Tel. : (0333) 631709
Fax. : (0333) 631710
Jajag
Jl. P.B. Sudirman No. 56, Jajag
Tel. : (0333) 396305
Fax. : (0333) 396398
PT Bank UOB Buana Tbk.

YOGYAKARTA BRANCH
Jl. Jend. Sudirman No. 62, Yogyakarta
Tel. : (0274) 562000, 517410
Fax. : (0274) 563433
Sub-Branches:
Brigjend Katamso
Jl. Brigjend. Katamso No. 278,
(lama 280) Yogyakarta
Tel. : (0274) 384193, 415732
Fax. : (0274) 378569
Pasar Beringharjo
Jl. Sriwedani, Ruko No. 11 Kel. Ngapusan,
Kec. Gondomanan, Yogyakarta
Tel. : (0274) 546350
Fax. : (0274) 555911
Kricak
Jl. Magelang No. 81, Yogyakarta
Tel. : (0274) 553385
Fax. : (0274) 563672
BOGOR BRANCH
Jl. Pangkalan Raya No. 4A
Warung Jambu, Bogor
Tel. : (0251) 320113, 320075,
323959, 342736
Fax. : (0251) 321262, 382077
Sub-Branches:
Dewi Sartika
Jl. Dewi Sartika No. 54
RT. 03 RW. 02 Kel. Pabaton,
Kec. Bogor Tengah, Bogor
Tel. : (0251) 311836, 314257
Fax. : (0251) 314933
Cibubur
Kawasan Niaga Citra Grand
Ruko Citra Grand Blok R3 No. 7,
Jl. Raya Alternatif Cibubur
Tel. : (0251) 84592489
Fax. : (0251) 84597922
Tajur
Jl. Raya Tajur No. 65 D, Bogor
Tel. : (0251) 392485
Fax. : (0251) 392486
Suryakencana Baru
Jl. Suryakencana No. 70, Bogor
Tel. : (0251) 325256, 325307
Fax. : (0251) 325307
Empang
Jl. Empang No. 6A, Bogor
Tel. : (0251) 318523, 318016
Fax. : (0251) 360821
Cibinong
Jl. Mayor Oking Jayaatmaja,
Ruko Central Cibinong Blok B No. 5
Cibinong, Jawa Barat.
Tel. : (021) 87908382, 87903767
Fax. : (021) 87908119
PT Bank UOB Buana Tbk.
BANJARMASIN BRANCH
Jl. Lambung Mangkurat No. 17,
Banjarmasin
Tel. : (0511) 3357172, 3353754,
3365312 (Hunting)
Fax. : (0511) 3353305
Sub-Branches:
A. Yani
Jl. Jend. A. Yani KM 2
No. 12 Rt. 17 Banjarmasin
Tel. : (0511) 269525, 262991, 263021
Fax. : (0511) 269525
BATAM BRANCH
Komp. Batam Plaza Blok E No. 1-3
Jl. Imam Bonjol, Batam
Tel. : (0778) 459691 (Hunting)
Fax. : (0778) 458601
Sub-Branches:
Sei Panas
Komplek Tanah Mas Blok B No. 9
Sei Panas, Batam
Tel. : (0778) 422589
Fax. : (0778) 429478
Penuin
Komplek Pertokoan Citra Mas
Blok A No. 8 Penuin,
Kec. Lubuk Baja, Batam
Tel. : (0778) 428700
Fax. : (0778) 452772
JOMBANG BRANCH
Jl. Merdeka No. 133, Jombang
Tel. : (0321) 862500-01,
862337, 874857-58
Fax. : (0321) 862171
Sub-Branches:
Mojokerto
Jl. Mojopahit 55-57, Mojokerto
Tel. : (0321) 322719, 322816
Fax. : (0321) 322291
MALANG BRANCH
Jl. Basuki Rahmat No. 63, Malang
Tel. : (0341) 342333 (6 lines)
Fax. : (0341) 342572
Sub-Branches:
Lumajang
Jl. P.B. Sudirman No. 20 F -G, Lumajang
Tel. : (0334) 81521, 881905
Fax. : (0334) 881905
Gatot Subroto
Jl. Gatot Subroto No. 21E, Malang
Tel. : (0341) 356044, 343230
Fax. : (0341) 356044
152
Blimbing
Komp. Pertokoan Letjen S. Parman
Megah No. 9 Blok B9, Blimbing, Malang
Tel. : (0341) 405111, 405100
Fax. : (0341) 418441
Batu
Jl. Panglima Sudirman No. 14 Batu, Malang
Tel. : (0341) 594114, 593053
Fax. : (0341) 591783
Dampit
Ruko Jenggolo Kav. A3
Jl. Jenggolo, Dampit, Kab. Malang, Malang
Tel. : (0341) 898485, 898486
Fax. : (0341) 898484
PURWOKERTO BRANCH
Jl. Jend. Sudirman No. 330, Purwokerto 53116
Tel. : (0281) 623466, 635996, 630942,
630259, 635950, 631464 (Hunting)
Fax. : (0281) 636747, 640945
Sub-Branches:
Purbalingga
Jl. Jend. Sudirman No. 51, Purbalingga
Tel. : (0281) 896757
Fax. : (0281) 896758
Cilacap
Jl. Ahmad Yani No. 69, Cilacap
Tel. : (0282) 537105-06
Fax. : (0282) 520489
Pasar Wage
Ruko Gede Kawasan Pasar Wage
Blok A No. 1, Jl. Jend. Sudirman,
Kel. Purwokerto Lor, Kec. Purwokerto Timur,
Kab. Banyumas, Purwokerto 53114
Tel. : (0281) 625508
Fax. : (0281) 625745
JAMBI BRANCH
Jl. R. Mattaher No. 34-35,
Kel. Orang Kayo Hitam, Jambi 36113
Tel. : (0741) 20623 (Hunting)
Fax. : (0741) 54014
Sub-Branches:
Kol. Abunjani
Jl. Kol Abunjani No. 72D
RT. 025 / RW. 008 Kel. Selamat,
Kec. Telanaipura, Jambi
Tel. : (0741) 61299, 61370
Fax. : (0741) 61652
TEGAL BRANCH
Jl. Kolonel Sugiono No. 56
RT. 003, RW. 05, Kel. Pekauman,
Kec. Tegal Barat, Tegal, Jawa Tengah
Tel. : (0283) 325001, 325005
Fax. : (0283) 325008

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