|Risk Management Policy|
PT Bank Commonwealth is incorporated and licensed in Indonesia with limited liability and a subsidiary of the Commonwealth Bank of Australia (“CBA”), an Australian company. CBA is an Authorised Deposit-taking Institution (“ADI”) with authority granted by the Australian Prudential Regulation Authority (“APRA”) under the Banking Act 1959 (“Commonwealth of Australia”). PT Bank Commonwealth is a separate entity to CBA and is not an ADI under APRA definition. Unless otherwise disclosed, PT Bank Commonwealth is not guaranteed by the CBA and, accordingly, the obligations of PT Bank Commonwealth do not constitute deposits or other liabilities of CBA.