Komitmen Anti Money Laundry

Corporate Governance
Integrated Governance
KYC/AML

GMS

Corporate Governance Report

Committee Charters

Policies on Corporate Governance

Code of Conduct

Penerapan Anti Penyuapan dan Korupsi

Articles of Association

ASEAN Corporate Governance

Whistleblowing

General Meeting of Shareholders

Corporate Governance Implementation Report

The Bank has committed to constantly improve the quality of the implementation of Good Corporate Governance principles in order to ensure that the whole internal process and mechanism carried out within the Bank has aligned with the Bank’s objective as well as taking a role to avoid the infringements.

The Bank has consistently implemented the principles of Good Corporate Governance in carrying out all activities of the Bank through a comprehensive and internalized formulation of internal policies and procedures in order to create a system that is able to maintain a balance specifically in terms of internal control in order to achieve the goals and expectations of all concerned parties so as to create added value for the Bank's stakeholders.

The Bank considers an effective and efficient GCG implementation to be able to support the achievement of the Bank's business target through strategic planning of governance implementation by building commitment, system and Corporate Culture. In relations to this, the Bank is aware of the importance of commitment from all ranks of management and employees in the quality improvement of GCG practices implementation that has been shown by the efforts of adapting to the best governance practices.

Corporate Governance Implementation Report 2024

Corporate Governance Implementation Report 2023

Corporate Governance Implementation Report 2022

Corporate Governance Implementation Report 2021

Corporate Governance Implementation Report 2020

Corporate Governance Implementation Report 2019

Corporate Governance Implementation Report 2018

Corporate Governance Implementation Report 2017

Corporate Governance Implementation Report 2016

The Board of Commissioners and The Board of Directors Charters

The Board of Commissioners Charter

Guidelines and Working Procedures for Sharia Supervisory Board

The Board of Directors Charter

Committee Charters

Audit Committee Charter

Code Ethics of Audit Committee

Risk Monitoring Committee Charter

Remuneration and Nomination Committee Charter

Ethic and Conduct Committee Charter

Nomination Policy of Member of BOC, BOD, SSB, and Committee of BOC

List of Policies on Corporate Governance

Good Corporate Governance Charter

Internal Audit Charter

Risk Management Policy

Procurement Policy

Quote of AML/CFT Policy

Whistleblowing Policy (Summary)

Procedure on the Provision of BOD and BOC Shareholding Report Submission

The Code of Conduct that Company Must Obey

Bank OCBC NISP Code of Conduct is a basic rule that is enforced by Bank and must be complied by all employees, including the Board of Directors and the Board of Commissioners. Company management can not be separated from the rules of the game which based on the prevailing law, morals and ethics. Therefore the Code of Conduct will always be refined or aligned, in accordance with the conditions of the company and the condition of society.

Code of Conduct Guidance

PENERAPAN ANTI PEYUAPAN & KORUPSI

Bank berkomitmen menerapkan prinsip zero tolerance terhadap tindakan suap dan korupsi serta menerapkan dan menegakkan langkah-langkah yang efektif untuk melawan korupsi yang merupakan tindakan pelanggaran hukum sesuai undang-undang maupun peraturan anti korupsi yang berlaku.

KYC/AML

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OCBC's Articles of Association List

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ASEAN Corporate Governance Scorecard Reports

ASEAN Corporate Governance Level 1

Right and Equitable Treatment of Shareholders

A. RIGHTS AND EQUITABLE TREATMENT OF SHAREHOLDERS
A.1. Basic Shareholder Rights
A.1.1 Does the company pay (interim and final/annual) dividends in an equitable and timely manner; that is, all shareholders are treated equally and paid within 30 days after being (i) declared for interim dividends and (ii) approved by shareholders at general meetings for final dividends? In case the company has offered Scrip dividend, did the company paid the dividend within 60 days.	Yes. OCBC pays dividends in an equitable and timely manner, as approved by shareholders at the Annual General Meeting of Shareholder (AGMS) and disclosed Cash Dividend Distribution Payment Schedule with the implementation as follows: - 2024 AGM Date: 18 March 2024 - Payment dividend: 18 April 2024
A.2. Right to participate effectively in and vote in general shareholder meetings and should be informed of the rules, including voting procedures, that govern general shareholder meetings.
A.2.1 Do shareholders have the opportunity, evidenced by an agenda item, to approve remuneration (fees, allowances, benefit-in-kind and other emoluments) or any increases in remuneration for the non-executive directors/commissioners?	Yes. Remuneration of non-executive directors/commissioners has been approved in AGMS 2024. Shareholders have the opportunity to approve remuneration or any increase in remuneration of non-executive directors/commissioners as stated in the Invitation and Agenda Explanation of AGMS 2024 on the 5^th agenda (Changes of the Company’s Board along with the determination of its remuneration).
A.2.2 Does the company provide non-controlling shareholders a right to nominate candidates for board of directors/commissioners?	Yes, as stated in the Announcement of AGMS 2024 - Paragraph 4: The proposal from shareholder will be included in the Meeting agenda.
A.2.3 Does the company allow shareholders to elect directors/commissioners individually?	Yes, as stated in the Invitation and Agenda Explanation of AGMS 2024 on the 5^th agenda.
A.2.4 Does the company disclose the voting procedures used before the start of meeting?	Yes, the voting procedure included in the Rules of the AGMS Point V which was disclosed on the website one day prior the meeting and presented before the GMS started.
A.2.5 Do the minutes of the most recent AGM record that the shareholders were given the opportunity to ask questions and the questions raised by shareholders and answers given recorded?	Yes, the shareholders were given the opportunity to ask questions and the questions raised by shareholders and answers recorded in the Summary of Minutes of 2024 AGM Part F. The opportunity to ask question/opinions and Voting Results.
A.2.6 Does the company disclose the voting results including approving, dissenting, and abstaining votes for all resolutions/each agenda item for the most recent AGM?	Yes, as stated in the Summary Minutes of 2024 AGM Point F.
A.2.7 Does the company disclose the list of board members who attended the most recent AGM?	Yes, as stated in the Summary Minutes of 2024 AGM Point B.
A.2.8 Does the company disclose that all board members and the CEO (if he is not a board member) attended the most recent AGM?	Yes. Members of BOD BOC, Sharia Supervisory Board and Committee who attended the AGMS disclosed in the Summary of Minutes of 2024 AGMS Point B.
A.2.9 Does the company allow voting in absentia?	Yes. We had voting procedure for shareholders or their proxies either by attend the meeting or electronically attend as stated in Rules of the AGMS point V.
A.2.10 Did the company vote by poll (as opposed to by show of hands) for all resolutions at the most recent AGM?	Yes, We conducted vote by poll at the most recent AGMS that are identified in Rules of the AGMS point V.
A.2.11 Does the company disclose that it has appointed an independent party (scrutineers/inspectors) to count and/or validate the votes at the AGM?	Yes. The Company had appointed independent party, namely Securities Administration Bureau (BAE) PT Raya Saham Registrasi, to count the shareholders who were present in the Meeting, and Notary Fathian Helmi, SH to notarize the meeting processes and results. Stated in the Announcement of Summary Minutes of 2024 AGMS.
A.2.12 Does the company make publicly available by the next working day the result of the votes taken during the most recent AGM/EGM for all resolutions?	Yes, the Announcement of Summary Minutes of 2024 AGM was published on the Company"s website the next working day on 19 March 2024.
A.2.13 Does the company provide at least 21 days" notice for all AGMs and EGMs?	Yes. OCBC provides at least 21 days" notice for all AGMs and EGMs that are identified in: - Invitation and Agenda Explanation of AGMS 2024 dated 23 February 2024 (25 days before the AGMS: 18 March 2024). - Invitation and Agenda Explanation of EGMS 2024 dated 11 June 2024 (21 days before the EGMS: 2 August 2024).
A.2.14 Does the company provide the rationale and explanation for each agenda item which require shareholders" approval in the notice of AGM/circulars and/or the accompanying statement?	Yes. As stated in the Invitation and Agenda Explanation of AGMS 2024,
A.2.15 Does the company give the opportunity for shareholders to place item/s on the agenda of general meetings and/or to request for general meetings subject to a certain percentage?	Yes. OCBC gave the opportunity for shareholders to place item/s on the agenda of AGMS that are identified in the Announcement of AGMS 2024, Paragraph 4: The proposal from shareholder will be included in the Meeting agenda. Provision related to the opportunity of shareholders to place items on the agenda of AGMS as stated in the Articles of Association, Article 12 paragraph 8.a.
A.3. Markets for corporate control should be allowed to function in an efficient and transparent manner.
A.3.1 In cases of mergers, acquisitions, and/or takeovers requiring shareholders" approval, does the board of directors/commissioners of the company appoint an independent party to evaluate the fairness of the transaction price?	Yes. In 2024, PT Bank OCBC NISP TBK acquired 100% shares of PT Bank Commonwealth that effective on 1 May 2024 and merged with PT Bank Commonwealth, effective on 1 September 2024. As stated in the Annual Report 2024 page 113, guided by internal policies on affiliated and conflict of interest transactions, BOD ensured these transactions complied with applicable procedures and carried out arm"s length basis.
A.4. The exercise of ownership rights by all shareholders, including institutional investors, should be facilitated.
A.4.1 Does the company disclose its practices to encourage shareholders to engage with the company beyond general meetings?	Yes. There are various channels to provide information and engagement with the shareholders beyond AGM, among others: 1. Company Website - which contains various useful and important information for the shareholders and investors, along with the contact information of Corporate Secretary, Investor Relations, Whistleblowing and Phone Banking as communication tools. The website also has specific "Investor Relation" and "Corporate Governance" sections, 2. Annual Report 2024 – disclosed in page 171 (Information Disclosure), page 174 (Transparency of the Bank’s financial and non-financial condition) 3. Direct email to Investor Relation Unit through email ir@ocbc.id 4. Call centre (Tanya OCBC) 5. Social media [Instagram OCBC Indonesia, LinkedIn OCBC Indonesia, Twitter @tanyaocbc] etc.
A.5 Shares and voting rights.
A.5.1 Where the company has more than one class of shares, does the company publicise the voting rights attached to each class of shares (e.g., through the company website / reports/ the stock exchange/ the regulator’s website)?	The Company only has one class of shares, based on Article of Association, Article 4
A.6 Notice of AGM
A.6.1 Does each of the resolutions tabled at the most recent annual general meeting deal with only one item, i.e., there is no bundling of several items into the same resolution?	Yes. Every resolution only consists of 1 (one) item and there’s no bundling items as reflected in: Summary Minutes of 2024 AGM Point F and G. 2024 AGMS Implementation – Resolution and realization of 2024 AGMS, Page 119 – 121.
A.6.2 Are the company’s notice of the most recent AGM/circulars fully translated into English and published on the same date as the local language version?	Yes. OCBC noticed that the most recent AGM/circulars is fully translated into English, as reflected in: - Announcement of AGMS 2024. Both Indonesian and English version was published on the same date, i.e. 24 January 2024 in OCBC’s website, - Invitation of the AGMS 2024. Both Indonesian and English version was published on the same date, i.e. 23 February 2024 in OCBC’s website. - Announcement of Summary Minutes of 2024 AGMS . Both Indonesian and English version was published on the same date, i.e.19 March 2024 in OCBC’s website.
A.6.3 Are the profiles of directors/commissioners (at least age, academic qualification, date of first appointment, experience, and directorships in other listed companies) in seeking election/re-election included?	Yes. In the Invitation and Agenda Explanation of AGMS 2024 – Point 5 (Changes of the Company’s Board along with determination of its remuneration). Profile of the Board of Commissioners and the Board of Directors who will be proposed in the AGMS 2024.
A.6.4 Are the auditors seeking appointment/re-appointment clearly identified?	No. The AGMS approved the delegation of authority and power of attorney to the Board of Commissioners based on the recommendation from the Audit Committee to appoint Public Accountant and Public Accounting Firm with criteria or limit according to the applicable regulations to audit the Company’s Consolidated Financial Statements for the financial year 2024. As reflected in Summary Minutes of 2024 AGM Point G, 6th Agenda.
A.6.5 Were the proxy documents made easily available?	Yes, proxy documents were available at the Share Administration Bureau and can be downloaded from OCBC’s website http://www.ocbc.id.
A.7 Insider trading and abusive self-dealing should be prohibited.
A.7.1 Are the directors / commissioners required to report their dealings in company shares within 3 business days?	Yes, as regulated in the Provision of BOD and BOC Shareholding Report Submission.
A.8 Related party transactions by directors and key executives.
A.8.1 Does the company have a policy requiring a committee of independent directors/commissioners to review material RPTs to determine whether they are in the best interests of the company and shareholders?	Yes, As stated among others, in: 1. BOC Charter Point 5.7.a.i.(1) 2. Corporate Governance Charter Point 7.7.1.10 (c)
A.8.2 Does the company have a policy requiring board members (directors/commissioners) to abstain from participating in the board discussion on a particular agenda when they are conflicted?	Yes, as stated in: 1. The BOC Charter, point 9.4. 2. The BOD Charter, point 10.6.
A.8.3 Does the company have policies on loans to directors and commissioners either forbidding this practice or ensuring that they are being conducted at arm’s length basis and at market rates?	Yes. Board of Directors member and Board of Commissioners members are categorized as related parties of the Bank. Bank has policy concerning the Funding to Related Parties and Large Exposure, as stated in Annual Report 2024 page 130. and all loans to directors and commissioners are being conducted at arm’s length basis and at market rates as stated in Annual Report 2024 page 460.
A.9 Protecting minority shareholders from abusive actions
A.9.1 Does the company disclose that RPTs are conducted in such a way to ensure that they are fair and at arms’ length?	Yes. As stated in AR 2024 - Part Financial Statement - Related Parties Information page 458 – 465 that Transactions with related parties are conducted with normal pricing policy and conditions as similar with third parties except for loans to key management personnel. Note: Key Management Personnel are senior level employees below Director’s level. Loans to key management personnels are part of employee benefits.
A.9.2 In case of related party transactions requiring shareholders’ approval, is the decision made by disinterested shareholders?	Yes. As stated in Article of Association Article 14, paragraph 4. However, there is no conflict-of-interest transaction during 2024.

Sustainability and Resilience

B. SUSTAINABILITY AND RESILIENCE
B.1.1 Does the company identify/report ESG topics that are material to the organization's strategy?	OCBC has identified and reported on 10 material topics related to ESG, which align with our "ABC" imperatives, which include: Accelerating the Transition to a Net-Zero Future 1. Climate Action 2. Responsible Financing 3. Sustainable Financial Solutions Bringing Impact to Communities 4. Talent Management and Wellbeing 5. Workplace Diversity 6. Community Development Conducting our Business Responsibly 7. Cybersecurity and Data Protection 8. Fair Dealing 9. Financial Crime Prevention 10. Governance and Culture 2024 Sustainability Report page 219
B.1.2 Does the company identify climate change as an issue?	OCBC recognized climate change as a significant issue, specifically elaborated upon under three primary topics: 1. Climate Action 2. Responsible Financing 3. Sustainable Financial Solutions 2024 Sustainability Report page 221 – 225
B.1.3 Does the company adopt an internationally recognized reporting framework or standard for sustainability (i.e. GRI, Integrated Reporting, SASB, IFRS Sustainability Disclosure Standards)?	OCBC’s Sustainability Report has been prepared in accordance with the applicable regulations, which include, but are not limited to, POJK No. 51/POJK.03/2017 regarding Sustainable Finance Practices for Financial Services Institutions, Issuers, and Public Companies, as well as OJK Circular No. 16/SEOJK.04/2021 concerning the Format and Content of Annual Reports for Issuers or Public Companies. Additionally, OCBC’s Sustainability Report has been developed with guidance from other internationally recognized reporting framework or standard including Global Reporting Initiative (GRI), the Task Force on Climate-Related Financial Disclosures (TCFD), and the Sustainability Accounting Standards Board (SASB). 2024 Sustainability Report page 268
B.1.4 Does the company disclose quantitative sustainability target?	OCBC disclosed quantitative sustainability target as elaborated in the 2024 Sustainability Report page: - 229 - 235 - 237 - 243 - 244 - 256 - 265 - 267
B.1.5 Does the company disclose sustainability-related performance progress in relation to its previously set targets?	OCBC disclosed quantitative sustainability target as elaborated in the 2024 Sustainability Report page: - 229 - 235 - 237 - 243 - 244 - 256 - 265 - 267
B.1.6 Does the company confirm that its Sustainability Report / Reporting is reviewed and/or approved by the Board or Board Committee?	Sustainability-related reporting, including the Sustainable Finance Action Plan (RAKB), the Sustainable Finance Portfolio Report, and the ESG performance report, reviewed and/or approved by the Board of Commissioners and the Board of Directors during meetings of the Sustainability Committee and Sustainability Council, which are conducted at least twice a year. The Sustainability Report is likewise endorsed by the BOC and BOD, as indicated in the Statements of Accountability. 2024 Annual Report page 24 – 25
B.2 Corporate governance frameworks should allow for dialogue between a company, its shareholders and stakeholders to exchange views on sustainability matters.
B.2.1 Does the company engage internal stakeholders to exchange views and gather feedback on sustainability matters that are material to the business of the company?	In assessing sustainability matters significant to OCBC and our stakeholders, we employed a materiality approach. Sustainability Council regularly reviews major challenges affecting the Bank, including identifying ESG factors that are material and in line with the Sustainable Development Goals (SDGs). The Sustainability Council identified these issues through consistent discussions. Once identified, the Sustainability Council conducts a materiality test to prioritise issues and topics that have a significant impact on the Bank and its stakeholders. The key topics are reviewed with the Board of Directors for approval by both the Board of Directors and the Board of Commissioners. 2024 Sustainability Report page 269
B.2.2 Does the company engage external stakeholders to exchange views and gather feedback on sustainability matters that are material to the business of the company?	In addition to fostering internal engagement regarding sustainability issues, OCBC also organized Focus Group Discussions and interviews to ascertain the needs of external stakeholders. We are convinced that proactive collaboration with diverse external entities is essential to enhance and broaden the influence of our sustainability initiatives. 2024 Sustainability Report page 271 – 272
B.3 The corporate governance framework should ensure that boards adequately consider material sustainability risks and opportunities when fulfilling their key functions in reviewing, monitoring and guiding governance practices, disclosure, strategy, risk management and internal control systems, including with respect to climate-related physical and transition risks. Boards should assess whether the company’s capital structure is compatible with its strategic goals and its associated risk appetite to ensure it is resilient to different scenarios.
B.3.1 Does the company disclose that the board reviews on an annual basis that the company's capital and debt structure is compatible with its strategic goals and its associated risk appetite?	Yes. As part of the management policy on capital structure and its determination basis, the objectives of the Bank’s capital management are to maintain a strong capital position to support business growth, ensure an efficient capital structure, and to meet capital requirements from regulators as disclosed in Annual Report 2024, page 106, Part Capital Structure. Annual Report 2024, page 106
B.4 The corporate governance framework should recognise the rights of stakeholders established by law or through mutual agreements and encourage active co-operation between corporations and stakeholders in creating wealth, jobs, and the sustainability of financially sound enterprises. Does the company disclose a policy and practices that address:
B.4.1 The existence and scope of the company's efforts to address customers' welfare?	OCBC acknowledges that the success of a business is intricately connected to the well-being of its customers. We commit resources to community development initiatives by empowering local populations through education, skills training, and economic assistance. Among the financial campaigns we have undertaken are the Financial Fitness Solution, which allows community members to regularly evaluate their financial health, and the Women SME program, a comprehensive financing initiative that includes business coaching for women entrepreneurs as well as financial solutions for small and medium-sized enterprises. 2024 Sustainability Report page 251 – 257
B.4.2 Supplier/contractor selection procedures?	OCBC has established a policy for the selection of suppliers and contractors, as detailed in the Bank's Procurement Policy: GN-00001-L4_Kebijakan Pengadaan Barang dan atau Jasa_id (2).pdf. This policy also outlines the Due Diligence mechanism applicable to suppliers and contractors, which encompasses environmental and social considerations.
B.4.3 The company's efforts to ensure that its value chain is environmentally friendly or is consistent with promoting sustainable development?	OCBC has established a policy for the selection of suppliers and contractors, as detailed in the Bank's Procurement Policy GN-00001-L4_Kebijakan Pengadaan Barang dan atau Jasa_id (2).pdf. This policy also outlines the Due Diligence mechanism applicable to suppliers and contractors, which encompasses environmental and social considerations.
B.4.4 The company's efforts to interact with the communities in which they operate.	OCBC commitment to community development is underpinned by a holistic strategy that encompasses a range of services to support the entire community, including the underserved in strategic areas across our key markets which elaborated in 3 main pillars, 1) Education, 2) Environment and Health, and 3) Humanitarian. 2024 Sustainability Report page 251 – 257
B.4.5 The company's anti-corruption programmes and procedures?	OCBC has developed an anti-bribery and corruption (ABC) policy as a demonstration of our dedication to executing the anti-bribery management system (SMAP). This policy has been ingrained within all internal and external stakeholders to avert bribery and corruption. As a manifestation of active oversight and commitment from the Board of Directors and the Board of Commissioners, we also made available a Declaration of Commitment to Anti-Bribery and Corruption on both our internal and external websites. 2024 Annual Report page 175 – 179
B.4.6 How creditors' rights are safeguarded?	Creditors rights are outlined in the agreement as agreed by both parties (i.e. Credit Agreement), and the Bank fulfils its obligation in a timely manner and avoids delays or negligence that could potentially cause losses to both parties. 2024 Annual Report page 182
B.4.7 Does the company have a separate report/section that discusses its efforts on environment/economy and social issues?	OCBC’s Sustainability Report has been prepared in accordance with the applicable regulations in disclosing efforts on environment/economy and social issues, which include, but are not limited to, POJK No. 51/POJK.03/2017 regarding Sustainable Finance Practices for Financial Services Institutions, Issuers, and Public Companies, as well as OJK Circular No. 16/SEOJK.04/2021 concerning the Format and Content of Annual Reports for Issuers or Public Companies. Additionally, OCBC’s Sustainability Report has been developed with guidance from other internationally recognized reporting framework or standard including Global Reporting Initiative (GRI), the Task Force on Climate-Related Financial Disclosures (TCFD), and the Sustainability Accounting Standards Board (SASB). 2024 Sustainability Report page 268
B.5 Where stakeholder interests are protected by law, stakeholders should have the opportunity to obtain effective redress for violation of their rights.
B.5.1 Does the company provide contact details via the company's website or Annual Report which stakeholders (e.g. customers, suppliers, general public etc.) can use to voice their concerns and/or complaints for possible violation of their rights?	Stakeholders may use our various channels to voice any concerns and/or complaints for possible violation of their rights as stated in the report, including i) branch offices, ii) email at tanya@ocbc.id, iii) phone banking & whatsapp, iv) other social media accounts (X or Instagram), and v) OCBC Mobile Application. 2024 Annual Report page 93
B.6 Mechanisms for employee participation should be permitted to develop.
B.6.1 Does the company explicitly disclose the policies and practices on health, safety and welfare for its employees?	Human Resources (HR) management in OCBC is founded on the principles of Indonesia Acquisition, Indonesia Development, Indonesia Retention, and Indonesia Engagement, all supported by the core values of B!SA. Through these foundational elements, we aim to create a secure and pleasant work atmosphere for our employees, ensuring a balance between work and personal life while aiding for their well-being, health, and safety through a variety of initiatives. These initiatives are designed to improve the welfare of employees both during and outside of working hours, as specified in the Employee Management Policy. This strategy guarantees that employees stay motivated and can sustain and enhance their performance in their daily responsibilities. This matter specifically elaborated upon under two primary topics, i) Talent Management and Wellbeing and ii) Workplace Diversity. 2024 Sustainability Report page 239 – 251
B.6.2 Does the company explicitly disclose the policies and practices on training and development programmes for its employees?	OCBC has established organized career development programs, offered ongoing training, and created distinct career pathways. Dedicated to promoting a culture of continuous learning, we emphasize comprehensive growth, enabling employees to achieve their potential in both their professional and personal lives. Further disclosure on OCBC training initiatives is available in the 2024 Sustainability Report on pages 239 to 246. 2024 Sustainability Report page 239 – 246
B.6.3 Does the company have a reward/compensation policy that accounts for the performance of the company beyond short-term financial measures?	OCBC executes its remuneration strategy by considering various factors, including the scale of the business, the complexity of operations, peer group comparisons, economic conditions, the capabilities of the Bank, and applicable laws. The Remuneration Policy regulates the compensation for the Board of Commissioners, the Sharia Supervisory Board, the Committees of the Board of Commissioners, the Board of Directors, and the employees. Remuneration is awarded in accordance with the annual performance of the Bank, working units, and individual employees. 2024 Sustainability Report page 157 – 162
B.7 Stakeholders including individual employee and their representative bodies, should be able to freely communicate their concerns about illegal or unethical practices to the board and their rights should not be compromised for doing this.
B.7.1 Does the company have a whistle blowing policy which includes procedures for complaints by employees and other stakeholders concerning alleged illegal and unethical behaviour and provide contact details via the company's website or annual report.	OCBC has implemented a whistleblowing program that allows both employees and external parties to report instances of fraud or violations of the code of conduct. This program is accessible to all levels of employees, from the lowest to the highest. The details of this system have been regularly communicated to both employees and the public. Whistleblowing reports may be submitted either verbally or in writing via our website (https://whistleblowing.ocbc.id ), email (whistleblowing@ocbc.id), designated bank officers, or directly to the President Director (whistleblowing.presdir@ocbc.id) or the President Commissioner (whistleblowing.preskom@ocbc.id). 2024 Annual Report page 176 – 178
B.7.2 Does the company have a policy or procedures to protect an employee/person who reveals alleged illegal/unethical behaviour from retaliation?	OCBC has designated a Whistleblowing Protection Officer to ensure the safety of whistleblowers. The Whistleblowing Handling process consists of three primary phases: i) Investigation All reports received that involve allegations of fraud will be examined by an independent unit known as Fraud Risk Management (FRM), while reports related to violations of the code of conduct will be addressed by the Human Resource (HR) unit. ii) Reporting The statistical report on whistleblowing is submitted to the Fraud Council, the Board Risk Committee, the Risk Monitoring Committee, and the Ethics and Conduct Committee. All whistleblowing reports will also be communicated to the President Director. iii) Sanctions Bank enforces stringent sanctions against employees who commit violations. The Disciplinary Council will determine the appropriate sanctions. 2024 Annual Report page 176 – 178

Disclosure & Transparency

C. DISCLOSURE AND TRANSPARENCY
C.1. Transparent ownership structure
C.1.1 Does the information on shareholdings reveal the identity of beneficial owners, holding 5% shareholding or more?	Yes, as stated in Annual Report 2024 Part Corporate Group Structure, page 69.
C.1.2 Does the company disclose the direct and indirect (deemed) shareholdings of major and/or substantial shareholders?	Yes, as stated in Annual Report 2024 Part Corporate Group Structure, page 69.
C.1.3 Does the company disclose the direct and indirect (deemed) shareholdings of directors (commissioners)?	Yes, as stated in Annual Report 2024 Part Indirect Ownership of Share, page 67.
C.1.4 Does the company disclose the direct and indirect (deemed) shareholdings of senior management?	Yes, as stated in Annual Report 2024, page 160 Part Material Risk Taker, page 66 – Shareholders Composition.
C.1.5 Does the company disclose details of the parent/holding company, subsidiaries, associates, joint ventures and special purpose enterprises/ vehicles (SPEs)/ (SPVs)?	Yes, as stated in Annual Report 2024 Part Corporate Group Structure, page 69.
C.2. Quality of Annual Report
Does the company's annual report disclose the following items:
C.2.1 Corporate objectives	Yes. OCBC’s Board of Directors has undertaken the formulation and execution of strategic policies as part of the governance and responsibility as stated in: 1. Annual Report 2024 Part the Board of Directors’ report, page 17. 2. Annual Report 2024 part Vision, Mission, and Corporate Values, page 38. 3. Annual Report 2024 Part Strategic Plan, page 173-174.
C.2.2 Financial performance indicators	Yes. OCBC’s has disclosed as stated in Annual Report 2024, part Key Financial Highlights page 6-7.
C.2.3 Non-financial performance indicators	Non-financial performance indicators are stated in Sustainability Report 2024 – Part Bank Sustainability Framework, page 219.
C.2.4 Dividend policy	Yes. OCBC has a dividend policy as stated in Annual Report 2024, page 108.
C.2.5 Biographical details (at least age, academic qualifications, date of first appointment, relevant experience, and any other directorships of listed companies) of all directors/commissioners	Yes. Biographical details of OCBC’s BOD and BOC stated in Annual Report 2024 part of Board of Commissioners’ profile, page 48 – 56 and part of Board of Directors profile, page 57 – 63.
C.3. Remuneration of Members of the Board and Key Executives
C.3.1 Is there disclosure of the fee structure for non-executive directors/commissioners?	Yes. The fee structure (remuneration and facilities) for BOD and BOC has been disclosed in Annual Report 2024, Part Remuneration implementation, page 159 - 160 has been disclosed the fee structure (remuneration and facilities) for BOD and BOC.
C.3.2 Does the company publicly disclose [i.e. annual report or other publicly disclosed documents] details of remuneration of each non-executive director/commissioner?	No.
C.3.3 Does the company disclose its remuneration (fees, allowances, benefit-in-kind and other emoluments) policy/practices (i.e. the use of short term and long term incentives and performance measures) for its executive directors and CEO?	Yes. Stated in Annual Report 2024, Part Remuneration implementation, page 157 - 162.
C.3.4 Does the company publicly disclose [i.e. annual report or other publicly disclosed documents] the details of remuneration of each of the executive directors and CEO [if he/she is not a member of the Board]?	No. Total remuneration of the Board of Directors is stated in Annual Report 2024, Part Remuneration implementation, page 157 - 162.

Governance

Collection of information related to the implementation of OCBC Governance

GMS

Corporate Governance Report

Committee Charters

Policies on Corporate Governance

Code of Conduct

Penerapan Anti Penyuapan dan Korupsi

Articles of Association

ASEAN Corporate Governance

Whistleblowing

General Meeting of Shareholders

Corporate Governance Implementation Report

List of Policies on Corporate Governance

The Code of Conduct that Company Must Obey

OCBC's Articles of Association List

ASEAN Corporate Governance Scorecard Reports