20250314_BNGA_Pemanggilan RUPS_31868935_lamp3.pdf

     namely a minimum of 20% (twenty percent) of the Company's Issued and Fully Paid-up Capital have
     been met; and (3) accruing the remaining net profit (Company only) for the financial year 2024 as
     retained earnings. Further details regarding the agenda of this Meeting including the proposed
     dividend amount is able to be seen and downloaded from the Company’s Website.

3.   Appointment of Public Accountant and Public Accounting Firm for the Financial Year of 2025 and
     Determination of the Honorarium and Other Requirements related to the Appointment.
     Explanation:
     Pursuant to the provisions under: (i) Article 68 of the Company Law, (ii) Article 3 of the Financial
     Services Authority (“POJK”) Regulation No. 9 of 2023 regarding The Services Usage of Public
     Accountant and Public Accountant Firm in the Financial Services Activities, and (iii) Article 11 paragraph
     11.14 of the Company's AoA; the Company will propose for approval to the Meeting on the
     reappointment of Jimmy Pangestu and Public Accounting Firm of “Rintis, Jumadi, Rianto & Rekan” (firma
     anggota PricewaterhouseCoopers Global Network) which are listed in Financial Services Authority
     (“OJK”) respectively as a Public Accountant and the Public Accounting Firm; or other Public Accountant
     from the said Public Accounting Firm, in the event he is permanently unable, to audit the Company’s
     Consolidated Financial Statements for the Financial Year 2025; as well as determine the honorarium
     and other requirements with regard to the appointment of the Public Accountant and Public
     Accounting Firm. The Curriculum Vitae of the proposed Public Accountant and profile of the proposed
     Public Accounting Firm is able to be seen and downloaded from the Company’s Website.

4.   Reappointment of Vera Handajani as Commissioner of the Company.
     Explanation of the 4th Agenda of the Meeting:
     Pursuant to the provisions under: (i) Article 111 of the Company Law, (ii) Article 23 of POJK No.
     33/POJK.04/2014 regarding the Board of Directors and Board of Commissioners of the Issuers or
     Publicly-Held Companies, (iii) Article 41 of POJK No. 17 of 2023 regarding Implementation of Corporate
     Governance for Commercial Banks, (iv) OJK Circular Letter (“SEOJK”) No. 13/SEOJK.03/2017 regarding
     Implementation of Corporate Governance for Commercial Banks, (v) OJK Circular Letter No.
     39/SEOJK.03/2016 regarding Fit and Proper Test for the Candidate of Controlling Shareholder, BOD
     Member and BOC Member of Banks; (vi) Article 17 paragraph 17.3 and paragraph 17.4 of the
     Company's AoA; and in relation to the term of office of Vera Handajani as Commissioner of the
     Company will be ended at the close of the Meeting. The Company will propose to the Meeting to
     obtain approval on the reappointment of the Company’s BOC members mentioned above, with
     effective term of office since the close of the Meeting until the closing of the 3 rd (third) Annual GMS
     after the effective date of the appointment without prejudicing the rights of the GMS to dismiss at any
     time in accordance with the provision as stated in Article 119 of the Company Law. The detailed
     explanation regarding the 4th Agenda of the Meeting, as well as Curriculum Vitae of Vera Handajani are
     able to be seen and downloaded from the Company’s website.

5. Reappointment of Lani Darmawan as President Director of the Company.
6. Reappointment of John Simon as Director of the Company.
7. Reappointment of Lee Kai Kwong as Director of the Company.
8. Reappointment of Rusly Johannes as Director of the Company.
9. Reappointment of Joni Raini as Director of the Company.
10. Reappointment of Henky Sulistyo as Director of the Company.
11. Reappointment of Noviady Wahyudi as Director of the Company.
    Explanation of the 5th up to 11th Agenda of the Meeting:
    Pursuant to the provisions under: (i) Article 94 of the Company Law, (ii) Article 3 of OJK Regulation No.
    33/POJK.04/2014 regarding Board of Directors and Board of Commissioners of the Issuers or Publicly-
    Held Companies, (iii) Article 9 of POJK No. 17 of 2023 regarding Implementation of Corporate
    Governance for Commercial Banks, (iv) OJK Circular Letter No. 13/SEOJK.03/2017 regarding
    Implementation of Corporate Governance for Commercial Banks, and (v) OJK Circular Letter No.
    39/SEOJK.03/2016 regarding Fit and Proper Test for the Candidate of Controlling Shareholder, BOD
    Member and BOC Member of Banks; (vi) Article 14 paragraph 14.2 and paragraph 14.3 of the



                                                  Hal 2 dari 8

    Company's AoA; and in relation to the term of office of each Directors of the Company as mentioned
    above will be ended at the close of the Meeting, the Company will propose to the Meeting to obtain
    approval on the reappointment of the Company’s BOD members mentioned above, with effective term
    of office since the close of the Meeting until the closing of the 3rd (third) Annual GMS after the effective
    date of the appointment without prejudicing the rights of the GMS to dismiss at any time in accordance
    with the provision as stated in Article 105 of the Company Law. The detailed explanation regarding the
    5th up to 11th agenda of the Meeting, as well as Curriculum Vitae of each Directors as mentioned above
    are able to be seen and downloaded from the Company’s website.

12. Approval to Change the Company’s Board of Directors Composition.
    Explanation:
    Pursuant to the provisions under: (i) Article 94 of the Company Law, (ii) Article 3 of OJK Regulation No.
    33/POJK.04/2014 regarding Board of Directors and Board of Commissioners of the Issuers or Publicly-
    Held Companies, (iii) Article 9 of POJK No. 17 of 2023 regarding Implementation of Corporate
    Governance for Commercial Banks, (iv) OJK Circular Letter No. 13/SEOJK.03/2017 regarding
    Implementation of Corporate Governance for Commercial Banks, and (v) OJK Circular Letter No.
    39/SEOJK.03/2016 regarding Fit and Proper Test for the Candidate of Controlling Shareholder, BOD
    Member and BOC Member of Banks; (vi) Article 14 paragraph 14.2, paragraph 14.3 and paragraph 14.5
    of the Company's AoA, the Company will propose to the Meeting to obtain approval to change the
    Company’s BOD composition, with accepting the resignation of Tjioe Mei Tjuen from her position as
    Director of the Company and by appointing Rico Usthavia Frans as Director of the Company, with
    effective term of office since the date specified in the Meeting and upon obtaining the OJK approval
    and/or fulfilled of the requirements as determined in the OJK approval letter (the “Effective Date”)
    until the closing of the 3rd (third) Annual GMS after the Effective Date of the appointment without
    prejudicing the rights of the GMS to dismiss at any time in accordance with the provision as stated in
    Article 105 of the Company Law. The detailed explanation regarding this Meeting agenda and
    Curriculum Vitae of Rico Usthavia Frans are able to be seen and downloaded from the Company’s
    website.

13. Determination on Salary or Honorarium and Other Allowances for the Board of Commissioners and
    Sharia Supervisory Board of the Company as well as Salary, Allowances and Tantiem/Bonus for the
    Board of Directors of the Company.
    Explanation:
    Pursuant to the provisions under: (i) Articles 96 and 113 of the Company Law, (ii) POJK No.
    45/POJK.03/2015 regarding the Implementation of Governance in Providing Remuneration for
    Commercial Banks ("POJK No. 45/2015"), and (iii) Article 11 paragraph 11.14 and Article 20 paragraph
    20.6 of the Company's AOA; the Company will propose to the Meeting to: (1) approve and determine
    the amount of salary or honorarium and other benefits for the Board of Commissioners in the financial
    year 2025, and authorize the President Commissioner of the Company to determine the amount of
    salary or honorarium and other allowances for each member of the Board of Commissioners of the
    Company, by considering the recommendation of the Nomination and Remuneration Committee of
    the Company ("NomRem"); (2) approve and determine the amount of salary or honorarium and other
    allowances for the DPS in the financial year 2025 and authorize the President Commissioner of the
    Company to determine the amount of salary or honorarium and other allowances for each member of
    the SSB of the Company, by considering the recommendation of NomRem. All members of the Board
    of Commissioners (including Independent Commissioners) and DPS do not receive tantiem/bonus; (3)
    approved the amount of tantiem/bonus for the financial year 2024 will be paid in 2025 for the Board
    of Directors of the Company, including the provision of variable remuneration in the form of shares or
    share-based instruments issued by the Company, and authorized the Board of Commissioners of the
    Company to determine the amount of tantiem/bonus for each member of the Board of Directors of
    the Company, taking into account the recommendation of NomRem. The provision of variable
    remuneration in the form of shares or share-based instruments is in accordance with POJK No. 45/2015
    and the Company's Policy; (4) approve use of the share from the buyback of the Company's shares to
    provide variable remuneration to the members of Management who are classified as the Company's



                                                  Hal 3 dari 8

    Material Risk Takers (MRT) and will be to be paid in 2026 and 2027 in accordance with POJK No.
    45/2015; and (5) approved the delegation of authority to the Company's Board of Commissioners to
    determine the amount of salary, holiday allowances and other benefits for each member of the
    Company's Board of Directors for the financial year 2025, and determine the terms and conditions for
    the provision of variable remuneration to members of Management who are included in the Material
    Risk Takers (MRT) category by taking into account the recommendations of NomRem. The amount of
    salary/honorarium and other benefits for the Board of Commissioners and SSB, as well as the proposed
    tantiem/bonus for the Board of Directors can be seen in the explanation of the Meeting agenda on the
    Company's Website.

14. Approval on Update of the Recovery Plan of the Company.
    Explanation:
    Pursuant to the provisions under Article 31 of POJK No. 14/POJK.03/2017 regarding Recovery Plan for
    Systemic Banks (“POJK No. 14/2017”), the Company will seek approval to the Meeting to: (1) approve
    the update of Recovery Plan that has been submitted by the Company to the OJK on 28 November
    2024, among other includes the trigger levels updates according to the current condition and
    regulation; and (2) approve the delegation of authority to the Company’s BOC and BOD to take any
    and all necessary actions in relation to the Company's updated Recovery Plan, respectively with regard
    to the POJK No. 14/2017, as well as the other related regulations. The summary of the updated
    Recovery Plan can be seen in the Meeting materials that have been uploaded to the Company’s
    website.

15. Approval of the Company's Share Buyback and Transfer Plan.
    Explanation:
    Pursuant to the provisions Article 2 POJK No. 29 of 2023 concerning the Buyback of Shares Issued by
    Public Companies and Article 2 of OJK Regulation No. 45/POJK.03/2015 concerning the
    Implementation of Governance in Providing Remuneration for Commercial Banks; the Company will
    propose to the Meeting to: (a) Approve the Company's shares buyback from public shareholders, with
    period of the implementation of the Company's share buyback will be completed no later than 12
    months after 14 April 2025 (the GMS approving the share buyback).; (b) Approve the transfer of shares
    resulting from share buyback through the provision of variable remuneration in the form of shares or
    share-based instruments issued by the Company to parties categorized as the Company's Material Risk
    Taker (MRT) for a maximum of 3 (three) years. Details regarding this corporate action plan is as
    described in the Company's Disclosure of Information, as published in the daily newspaper with
    national circulation, namely Investor Daily, the Company's website and the Indonesian Stock Exchange
    website on 27 February 2025.

16. Others (this agenda item does not require Meeting approval):
     a. Report of the Sustainable Finance Action Plan (“RAKB”) of the Company.
        Explanation:
        Pursuant to Article 6 OJK Regulation No. 51/POJK.03/2017 regarding the Implementation of
        Sustainable Finance for Financial Services Institution, Issuer, and Public Company; it will be
        reported to the Meeting on the Realization of 2024 RAKB and 2025 RAKB, which has been
        submitted to OJK Banking Supervision on 22 November 2024. The 2024 RAKB Summary is able to
        be seen and downloaded from the Company’s Website.
    b. Accountability report on the use of fund proceeds:
        - Shelf Registration Sukuk Mudharabah I Phase II Year 2019 Series C;
        - Shelf-Registration Bonds III Phase I year 2019 Series C; and
        - Shelf-Registration Subordinated Bonds I Phase I Year 2019.
        Explanation:
        Pursuant to Article 6 POJK No. 30/POJK.04/2015 regarding Report on Realization of the Use of
        Proceeds from Public Offerings it will be reported to the Meeting regarding the realization of the
        use of funds obtained from each Bond/Sukuk. Further details regarding this report can be seen on
        the Company's Website.



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     c. Report on the End of Tenure and Re-appoinment of Audit Committee Member of the Company.
        Explanation:
        Pursuant to the Company's Audit Committee ("AC") Charter and NomRem's recommendations
        which have been approved by the Company's Board of Commissioners; it will be reported to the
        Meeting on the reappointment of the Company’s AC member without any impact on the change
        in the composition of AC members of the Company. Further details regarding this report can be
        seen on the Company's Website.
    d. Report on the Realization of the Transfer of the Company's Share Buyback
        Pursuant to the provisions under: (i) Resolutions of the Annual GMS (“AGMS”) of the Company
        dated 3 April 2024; (ii) POJK No. 30/POJK.04/2017 regarding the Shares Buyback Issued by the
        Publicly-Held Company (“POJK No. 30/2017”); and (iii) OJK Regulation No. 45/POJK.03/2015
        concerning the Implementation of Governance in Providing Remuneration for Commercial Banks
        ("POJK No. 45/2015"), it will be reported to the Meeting for details of the transfer of shares
        resulting from the share buyback approved at the AGMS on 3 April 2024. Further details regarding
        this report can be seen on the Company's Website.

Explanation on Quorum of Attendance and Resolution:
1. The Meeting is valid and entitled to take the lawful and binding resolutions, if attended by the
    Shareholders or their authorized proxies representing more than 1/2 (half) of the total shares issued
    by the Company with valid voting rights (in accordance with provisions under Article 13 paragraph
    13.1.a. of the Company’s AOA).
2. The Meeting’s resolutions are made based on deliberation for consensus. In terms of the deliberation
    for consensus fails to be reached, the resolutions shall be valid if it is approved by more than 1/2 (half)
    of the total shares with valid voting rights present or be represented at the Meeting (in accordance
    with provisions under Article 13 paragraph 13.2. of the Company’s AOA).
General Provisions:
1. This Meeting Invitation (the “Invitation”) constitutes as an official invitation in accordance to the
    provision of Article 82 paragraph (2) of the Company Law and Article 52 paragraph (1) of POJK No.
    15/POJK.04/2020 concerning Plan and Implementation of General Meeting of Shareholders of Publicly-
    Held Companies (“POJK No. 15/2015”) in conjunction with Article 12 paragraph 12.2. of the Company’s
    AOA, and therefore it is not necessary to extend a separate invitation to the Company’s Shareholders
    (the “Shareholders”).
2. Shareholders who are entitled to present/be represented and cast a vote in the Meeting, the
    Shareholders who are listed in the Company’s Shareholders Register and/or the Shareholders whose
    Security Accounts are registered in the Collective Custody of the Indonesia Central Securities
    Depository (PT Kustodian Sentral Efek Indonesia or “KSEI”) on Thursday, 13 March 2025 at 4.00 p.m.
    Western Indonesian Time.
3. The implementation of the Company’s Meeting in electronically through the eASY.KSEI application, can
    be accessed on the AKSes KSEI website (https://access.ksei.co.id/), with due observance of the POJK
    No.16/POJK.04/2016 concerning Implementation of Electronic General Meetings of Shareholders of
    Publicly-Held Companies (“POJK No. 16/2020”) in conjunction with Article 12 paragraph 12.1. of the
    Company’s AOA.
4. Shareholders participation in the Meeting shall be conducted through the following mechanisms:
    a. attend the Meeting electronically or authorize the electronic proxy (e-Proxy) through eASY.KSEI
       application; or
    b. attend the Meeting physically; or
    c. attend by authorizing the proxy with the Power of Attorney form as referred to in point 8.b.
5. In compliance with POJK No.16/2020, the Company strongly suggests the Shareholders to attend the
    Meeting with the mechanism as referred to point 4.a. with due observance to the following matters:
    a. Shareholders who can use the eASY.KSEI application are the Shareholders whose shares are kept in
       the collective custody of KSEI;
    b. Shareholders must first register for the KSEI Securities Ownership Reference facility (“AKSes KSEI”).
       For the Shareholders who have not been registered, please register by accessing the AKSes KSEI
       website (https://akses.ksei.co.id/);



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    c. To use the eASY.KSEI application, the Shareholders can go to the eASY.KSEI menu, and then login in
       the eASY.KSEI submenu found on the AKSes KSEI website.
    Guidelines for registration, use, and further explanation regarding the eASY.KSEI application (e-Proxy
    and e-Voting) can be seen on the AKSes KSEI website.
6. Shareholders or their proxies who will attend the Meeting electronically through the eASY.KSEI
    application as referred to in point 4.a., should observe the following provisions:
    a. The Company’s Shareholders can declare their electronic attendance until 13 April 2025 at 12.00
       p.m. Western Indonesian Time (“Deadline for Attendance Declaration”), and cast their vote through
       the eASY.KSEI application from the Invitation date until the Deadline for Attendance Declaration;
    b. For:
       (i) The Shareholders who have not declared their electronic attendance until the Deadline for
             Attendance Declaration;
       (ii) The Shareholders who have declared their electronic attendance but have not cast their vote
             for at least 1 (one) Meeting’ Agenda until the Deadline for Attendance Declaration;
       (iii) Individual Representative, and independent party appointed by the Company who have
             received their proxies from the Company’s Shareholders, but such Shareholders have not cast
             a vote for at least 1 (one) Meeting’ Agenda until the Deadline for Attendance Declaration;
       (iv) The KSEI Participants/Intermediary (Custodian Banks or Securities Companies) that have
             received its proxies from the Company’s Shareholders that have their vote through eASY.KSEI
             application;
       must register through eASY.KSEI Application on the Meeting date at the latest at 1.00 p.m. Western
       Indonesian Time.
    c. Any delay or failure in the process of electronic registration for any reason will result that the
       Shareholders or their proxies will not being permitted to electronically attend the Meeting and their
       share ownership will not being taken into account in the attendance quorum.
 7. Shareholders whose shares are or are not registered in the Collective Custody of KSEI or their
     authorized proxies that will attend the Meeting physically, are required to provide the Collective
     Shares Letter (“CSL”) or provide the CSL copy and copy of a valid Identity Card (“ID”) or proof of valid
     personal identity document as well as the power of attorney (if authorized a proxy) to the Registration
     Officer before entering the Meeting Venue.
 8. Shareholders may be represented by their proxies, by:
     a. Authorizing the electronic proxy (e-Proxy) through the eASY.KSEI application that can be accessed
        through the AKSes KSEI facility. Shareholders may declare their proxies and votes, change the
        appointment of their proxies and/or change the votes for the Meeting’s agenda or revoke the
        proxies electronically through eASY.KSEI application from the Invitation date until the Deadline for
        Attendance Declaration. The party who can be authorized as a proxy electronically, must be legally
        competent and not a member of the BOC, BOD and employees of the Company, as well as refer to
        other provisions as stipulated in POJK No. 15/2020; or
       b. Authorizing the proxy by completing the Power of Attorney (“POA”) form which may be
            downloaded from the Company’s website (http://investor.cimbniaga.co.id/gcg/agm.html), with
            the following terms:
        1) Any member of the BOC, BOD, and any employee of the Company may act as a proxy for the
            Shareholders in the Meeting, but any vote they cast as proxy in the Meeting will not be counted
            in the voting (including act as the Shareholders);
        2) Shareholders are not allowed to provide the authority for some of their shares to more than
            one proxy with different vote;
        3) POA from the Shareholders executed abroad must be legalized by the local public notary and
            the official representative office of the Government of the Republic of Indonesia;
        4) The completed POA as well as the copy of valid ID or proof of valid personal identity document
            of the authorizer/grantor must be received by the Company, at the latest 1 (one) working day
            before the Meeting without prejudicing the Company’s Policy, through the Securities
            Administrative Bureau (“BAE”) PT Bima Registra, with registered address in Satrio Tower, 9 th
            Floor A2, Jalan Prof. Dr. Satrio Blok C4, Kuningan Setiabudi, South Jakarta 12950 – Indonesia;
            Phone: (+6221) 25984818, e-mail: rups@bimaregistra.co.id, website: www.bimaregistra.co.id;



                                                 Hal 6 dari 8

        5) The proxies of the Shareholders which are legal entities (Corporate Shareholders) must provide:
           a) Copy of the valid Articles of Association;
           b) Document of the appointment of incumbent members of the management;
           to the Company through BAE at the address as referred in point 8.b.4) above, at the latest 3
            (three) days before the Meeting without prejudicing the Company’s policy.
9. Shareholders or their proxies can view the ongoing Meeting through Zoom webinar by selecting the
    eASY.KSEI menu and the Tayangan RUPS (“GMS Video Streaming”) submenu on the AKSes KSEI
    website or the Tayangan RUPS menu on AKSes KSEI mobile, subject to the following provisions:
    a. Shareholders or their proxies have been registered on the eASY.KSEI application no later than 13
        April 2025 at 12.00 p.m. Western Indonesian Time;
    b. The GMS Video Streaming has a capacity up to 500 participants, and the participants’ attendance
        will be determined on a first come first serve basis. For the Shareholders or their proxies who
        cannot view the Meeting through the GMS Video Streaming will still be considered as validly attend
        electronically as well as the share ownerships and votes will be taken into account in the Meeting,
        as long as they have been registered in the eASY.KSEI application;
    c. Shareholders or their proxies who can view the ongoing Meeting through the GMS Video
        Streaming, but whose electronic attendance is not duly registered in eASY.KSEI application will not
        be considered as validly attending the electronic Meeting and therefore their attendance will not
        be counted in the attendance quorum for the Meeting;
10. To get the best experience in using eASY.KSEI Application and/or the GMS Video Streaming,
    Shareholders or their proxies are suggested to use the Mozilla Firefox browser.
11. If after the date of this Meeting Notice there are changes in the technical operations of the eASY.KSEI
    application, or changes to any regulations, guidelines and/or explanations of KSEI related to the
    electronic meetings through the eASY.KSEI application, then such changes shall apply to the Meeting,
    and all the provisions in these General Provisions concerning the implementation of electronic
    Meeting through the eASY.KSEI application are deemed to be adjusted to such changes.
12. In compliance with POJK No. 16/2020, under certain conditions the Company may limit the number
    of Shareholders or their proxy who attend the Meeting physically based on the first in first served
    basis. Any Shareholders or their proxy who attend the Meeting physically, must follow the protocol
    in the Meeting’s venue as set out by the Company as stated in the Meeting’s Rules of Conduct, among
    others:
   a. Shareholders or their proxy that has arrived in the Meeting premises, but cannot enter the Meeting
       room due to the limited room capacity, may still exercise their rights by granting power to an
       independent party appointed by the Company (the “Independent Party”) by completing and signing
       the power of attorney provided by the Company, so then they may still use their rights to attend
       and cast vote in the Meeting by represented by the Independent Party.
   b. To ease the administration arrangement and Meeting’s orderliness, Shareholders or their proxy
       must register their attendance no later than 1.00 p.m. Western Indonesian Time, since the
       registration desk will be closed 1 (one) hour before the Meeting. Shareholders or their proxy who
       arrive after the registration desk is closed or late/fail to electronically register with any reason,
       deemed as absence or will not be accounted in the attendance quorum.
13. All materials of the Meeting, including the agenda explanations, are available in the Company’s
    website (http://investor.cimbniaga.co.id/gcg/agm.html) and eASY.KSEI application that can be
    accessed through the AKSes KSEI facility (https://akses.ksei.co.id/) or may be retrieved by submitting
    a written request to the Corporate Secretary of the Company on working hours at the address stated
    below.
14. The Shareholders of the Company are encouraged to read in advance the Rules of Conduct of the
    Meeting and Voting Procedures which are provided in the video illustration, both available in the
    Company’s website ((http://investor.cimbniaga.co.id/gcg/agm.html) since the date of this Invitation.
15. Should there any change and/or additional information related to the procedures of the Meeting due
    to the latest conditions and updates that have not been conveyed through this Invitation, it will be
    further announced in the Company’s website ((http://investor.cimbniaga.co.id/gcg/agm.html).




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In accordance with Good Corporate Governance practices, the Company has carefully considered the
mechanism, venue and schedule of the Meeting, as such the Shareholders or their proxies may participate
in the Meeting. Therefore, the BOD strongly suggest to all Company’s Shareholders to use their rights
properly to cast a vote in decision-making process for all Meeting’s agenda.

                                          Jakarta, 14 March 2025
                                            Board of Directors
                                         PT Bank CIMB Niaga Tbk
                         Address: Corporate Secretary, Graha CIMB Niaga 11th Floor
    Jl. Jend. Sudirman Kav. 58, South Jakarta 12190, Phone. (+6221) 250 5252, Fax. (+6221) 252 6749
               e-mail: corporate.secretary@cimbniaga.co.id, Website: www.cimbniaga.co.id




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