110

CIM

B N

IAG

A A

NN

UA

L R

EP

OR

T 2

01

9

Performance Highlights Management Reports Company Profile Management Discussionand Analysis

Risk Management

SENIOR EXECUTIVES’ PROFILES

ANToNIuS PRAMANA guNAdICHIEF AUDIT EXECUTIVE

Indonesian Citizen, 45 years old. Joined CImb Niaga in December 2016 and has served as Chief Audit Executive since 3 January 2017. Started his career as an Auditor at the public accounting firm Coopers & Lybrand, KPmG and Ernst & Young before entering the banking industry and becoming Head of Internal Audit at AbN Amro bank Indonesia, barclays Indonesia, and bank Internasional Indonesia. Prior to joining CImb Niaga, he served as Audit Director at Citibank and was responsible for audit activities in Indonesia and a number of countries in Asia and EmEA. He holds a bachelor’s degree in Accounting from Universitas Tarumanagara and several international certifications including Certified Internal Auditor (CIA) and Certified Anti money Laundering Specialist (CAmS).

hENdRA lEMBoNgCHIEF OF TRANSFORmATION OFFICER

Indonesian Citizen, 48 years old. Has Served as the Chief Transformation Officer at CImb Niaga since January 2019, previously served as CImb Niaga’s Chief of Transaction banking and Chief of Fintech at CImb Group. Prior to joining CImb Niaga, he served as managing Director at JP morgan Singapore, Deutsche bank, London and Citibank branches in various countries.

He holds a master’s Degree which he earned from Stanford University, USA in 1994.

SukARMAN oMARCHIEF OF mICRO, SmALL & mEDIUm ENTEPRISE

Indonesian citizen, 61 years old. Her served as CImb Niaga’s Chief of SmE banking since November 2013. Previously he held various positions at bank Permata since 1986 and most recently served as Head of SmE at bank Permata.

He is a graduated from Ryama University, medan.

RuSly JohANNESCHIEF OF CORPORATE bANKING & FINANCIAL INSTITUTIONCHIEF OF TRANSACTION bANKING

Indonesian citizen, 49 years old. Has served as Chief of Corporate banking and Financial Institution and Chief of Transaction banking since February 2015. He has held various positions at AbN AmRO bank Indonesia, Deutsche Securities Inc. New York, and Rabobank Indonesia. before joining CImb Niaga, he served as managing Director, Local Corporate Unit, Corporate and Investment banking at Citibank Indonesia.

He completed his mbA program at The Anderson School, UCLA and bachelor of business Administration program at The University of Texas (Austin).

111

CIM

B N

IAG

A A

NN

UA

L R

EP

OR

T 2

01

9

Supporting Business Review

Corporate GovernanceReport

Corporate SocialResponsibility

Others Corporate Data ConsolidatedFinancial Report

AdRIAN PANggABEANCHIEF ECONOmIST, TREASURY AND CAPITALmARKET

Indonesian Citizen, 53 years old. He served as Head of Economist / Chief Economist bank CImb Niaga since October 2016.

Half of his career was spent overseas. Adrian began his career as a Lecturer in Fakultas Ekonomi Universitas Indonesia, and visiting professor for State finance at KImEP (Kazakhstan), then worked as a Policy Advisor at UNDP (Indonesia), economist for the Southeast Asia region at Nomura (Singapore), Asian Development bank (Philippines), and economic advisor in the Prime minister of brunei Darussalam office. Upon returning to Indonesia, Adrian worked in the fund management industry and became CEO of several Investment manager companies.

He holds a bachelor’s degree in Economics from Universitas Indonesia and a master of Social Science and Doctor of Philosophy (PhD) from the University of birmingham, England.

AlBERT SuhANdINATAHEAD OF CONSUmER bANKING OPERATIONS

Indonesian citizen, 42 years old. Serves as Head of Consumer banking Operations at CImb Niaga. He previously worked at Citibank for 6 years, bank barclays Indonesia for 2 years, Commonwealth bank for 2.5 years, ICbC for 2.5 years, and bank Ganesha as Director of IT and Operations for 1.5 years.

He holds a bachelor’s Degree in Finance from California State Polytechnic University, Pomona and an mbA from Loyola marymount University.

AMIR MIRzAHEAD OF CASH mANAGEmENT

Indonesian citizen, 46 years old. Started his banking career and held senior positions at Deutsche bank AG Jakarta, before finally joining bank CImb Niaga in November 2009.

He holds a bachelor’s Degree in Industrial Engineering from bandung Institute of Technology.

ANToNIuS SukRISWANToHEAD OF ANTI FRAUD mANAGEmENT

Indonesian citizen, 56 years old.CImb Niaga’s Head of Anti-Fraud management since 2011. Has experience covering operational, audit and operational risk management and prior to 2008-2011 held the position of Head of Operational Risk management at OCbC NISP, barclays Indonesia, and bank Ekonomi Rahardja (HSbC Group ).

He holds a bachelor’s degree in Political Science in International Relations from Universitas Gadjah mada Yogyakarta, INSEAD Senior Leadership Program Singapore - France, and has several training related to banking and management.

AulIA MoChTARHEAD OF mONEY mARKET & FUNDING - TREASURY

Indonesian citizen, 53 years old. Has worked at bank CImb Niaga since 2006 as Head of Trading Desk and became Funding & Gapping Group Head in 2009. He began his banking career in several domestic and Japanese banks.

He holds a bachelor’s Degree in Computer Science from Embry Riddle Aeronautical University, Daytona beach - Florida USA.

112

CIM

B N

IAG

A A

NN

UA

L R

EP

OR

T 2

01

9

Performance Highlights Management Reports Company Profile Management Discussionand Analysis

Risk Management

BAMBANg kARSoNo AdIHEAD OF DIGITAL bANKING, bRANCHLESS & PARTNERSHIP

Indonesian citizen, 53 years old. Has served as Head of Digital banking, branchless & Partnership at CImb Niaga since October 2015. Specialist in the credit card business and has worked at several banks such as Lippobank, bank bukopin and Visa International.

Previously, he served as Head of Cards & merchant business at CImb Niaga from September 2012.

He graduated from the Faculty of Economics, majoring in marketing management, University of Trisakti.

BuNg AldIllAHEAD OF SHARIA CONSUmER, PRODUCT AND bUSINESS ANALYTICS

Indonesian Citizen.He joined CImb Niaga on 8 October 2018 and served as as Head of Sharia Consumer, Product and business Analytics effective from 1 August 2019.

He is responsible for Sharia Consumers and reports to the Sharia banking Director.

BANyoN ANANToSENoHEAD OF CONSUmER COLLECTION AND RECOVERY

Indonesian citizen, 52 years old.Head of Consumer Collection and Recovery at CImb Niaga since September 2017.

He previously held the position of Group Head of Unsecured Collection at CImb Niaga, Executive Vice President of Card & Loan Processing, Fraud and Collection at bank mega, Senior Vice President of micro Collection at bank Danamon, Vice President of Collection of HSbC, and Assistant Vice President of Credit Operation at Citibank.

He holds a bachelor degree in Economics management from Airlangga University, Surabaya.

CECIlIA NINIk MARTINIHEAD OF COmmERCIAL bANKING III

Indonesian citizen, 54 years old.Head of Commercial banking for Central Java. Joined CImb Niaga in 1989 through the Executive Education Program after earning a bachelor’s Degree in Accounting from Parahyangan University bandung.

She has attended Leadership Programs from INSEAD in Fontainebleau and Singapore, earned bSmR Commercial Loan/business Certification from Omega.

ChAIRANy dANuSAPuTRAHEAD OF HR SHARED SERVICE

Indonesian citizen. She graduated with bachelor of Communication title from Padjajaran University on 1995. before she started her career in CImb Niaga, she startedit in several banks for almost 23 years, such as PT bank Commonwealth for 10 years, PT bank Sumitomo mitsui Indonesia for 7 years and otherCompanies.

AuRElIA MulyoNoHEAD OF RISK CONTROL UNIT

Indonesian citizen, 52 years old. Head of bank CImb Niaga’s Risk Control Unit Consumer banking since 2019. Previously held various positions at bank Permata since 2008 and most recently served as Director of Human Capital & Risk management at PT Catur Sentosa Adiprana Tbk.

She holds a bachelor’s degree in Economics / Accounting from Universitas Katolik Parahyangan.

113

CIM

B N

IAG

A A

NN

UA

L R

EP

OR

T 2

01

9

Supporting Business Review

Corporate GovernanceReport

Corporate SocialResponsibility

Others Corporate Data ConsolidatedFinancial Report

ChIAlMI dIAldESToRo RoSAlIMHEAD OF STRUCTURED, ACQUISITION & SYNDICATED FINANCE AND HEAD OF bUSINESS DEVELOPmENT

Indonesian citizen.Joined CImb Niaga in December 2017 and served as Head of Structured, Acquisition & Syndicated Finance and also as Head of business Development since April 2018. Starting as a management Associate at Citigroup Indonesia in 1996, with more than 23 years in the global corporate and investment banking sector in Asia, United Kingdom, Europe and the middle East.

Holds a master’s degree in Professional Accounting (with honor) from The University of Texas at Austin and a bachelor of Science degree in Accounting and Finance (with honor) from The Oklahoma State University.

dAJANIHEAD OF SmE I (JAKARTA)

Indonesian citizen, 50 years old.Head of SmE1 at CImb Niaga since September 2016. Previously, she was Area manager of SmE Jakarta-4 at CImb Niaga.

Started her career in 1995 as an Account Officer at bank Dagang Nasional Indonesia, Tanah Abang branch, bank mashill Utama,Glodok branch, and as marketing manager, Jakarta – Region to the Commercial business Head of Jabodetabek1 at bank OCbC NISP until December, 2014.

She holds a bachelor’s Degree in Science, - Physics from the Faculty of Science - University of Diponegoro, Semarang

dANIEl EdISoN huTAPEAHEAD OF TREASURY RISK ANALYTICS & RCU

Indonesian citizen, 48 years old.He has served as Head of Treasury Risk Analytics & RCU since 2017. Started his banking career as an Account Officer at bank Niaga in 1997 and most recently worked as Relationship manager of Financial Institutions from 2000 to 2008. Has served as Credit & Risk Analytics Head at CImb Niaga since 2008.

He obtained a bachelor’s Degree in Accounting/ Economics from Padjajaran University, bandung in 1995.

dJoJo BoENToRoHEAD OF CONSUmER CREDIT UNDERWRITING

Indonesian citizen, 53 years old. Head of Consumer Credit Risk since September 2017.

He previously served as Head of Consumer Finance at maybank Indonesia, member Relation Director at masterCard International Inc., Indonesia, Wealth Director at PT. AXA Financial Indonesia, and various positions at bank Internasional Indonesia.He has more than 24 years of work experience in the banking industry.

Obtained a bachelor’s Degree in Civil Engineering from Parahyangan University, bandung in 1989.

ENTIN RoSTINIHEAD OF ANTI mONEY LAUNDERING (AmL)

Indonesian citizen, 55 years old.Head of Anti-money Laundering (AmL) at CImb Niaga since December 2016. Started her career, and served in different positions at bank Internasional Indonesia, Compliance Head of bank Chinatrust Indonesia, and AmL Head of bank Danamon Indonesia.

She holds a bachelor’s Degree in Economics, majoring in Accounting from Padjadjaran University in bandung and master of Finance Degree from the University of Gajah mada in Yogyakarta

ERIC AugIE SAPuTRAHEAD OF CUSTOmER JOURNEY

Indonesian citizen, 40 years old.Has served as CImb Niaga’s Head of Customer Journey since 2019. Previously, served for 8 years in malaysia as Director, Retail Risk Analytic Head & Regional Risk Head for Auto & Personal Loan Products at CImb Group, and at Standard Chartered malaysia bank berhad as Senior manager, Risk Analytic for Consumer banking. Previously over 10 years served at Astra Credit Companies and held various senior positions in Credit Risk.

Has a degree in Industrial Engineering from Institut Teknologi bandung.

114

CIM

B N

IAG

A A

NN

UA

L R

EP

OR

T 2

01

9

Performance Highlights Management Reports Company Profile Management Discussionand Analysis

Risk Management

ERIC guNAWAN koSASIhHEAD OF LEARNING & DEVELOPmENT

Indonesian citizen.He began working at CImb Niaga since September 2019 as Head of Learning & Development at the Human Resources Directorate.

Prior to joining CImb Niaga, he served at Lippo Group as a Senior HR Officer, PT bank Danamon Tbk as EVP Talent, Learning and Rewards, PT bank CImb Niaga Tbk as SVP & Head of Learning & Talent Development and PT bank HSbC Indonesia as SVP of Resource Planning, Policy, Analytics and Talent management.

Graduated from the Department of Petrochemical Engineering, Universitas Indonesia in 1995.

FAISAl ASWIN TAMBAyoNgHEAD OF COmmERCIAL bANKING I

Indonesian citizen, 55 years old.Has served as Head of Commercial banking I, and previously as Head of business Products and Strategic Development since January 2013 and has held senior positions at AbN AmRO and ANZ Indonesia as Head of business banking.

He obtained his Law Degree from the University of Sebelas march, Solo, Indonesia and was enrolled in the bank Niaga Executive Education Program in 1990.

FERdINANd RENAldI WAWoluMAyAHEAD OF TRADING & STRUCTURING

Indonesian citizen, 38 years old.Head of Trading & Structuring at CImb Niaga since October 2015. He has had experience in the field of Treasury since 2004.

He holds a bachelor of Science degree from the National University of Singapore.

FuRIyANToHEAD OF SECURITIES SERVICES

Indonesian citizen, 51 years old.Head of Securities Services at CImb Niaga since September 2016. He started his career at CImb Niaga in 1991, and joined IbRA prior to rejoining CImb Niaga in 2003.

He holds a bachelor’s Degree in mathematics from the University of Gajah mada and a master’s Degree in Financial management from one of the state universities in Indonesia.

hARTANTo kuRNIAWANHEAD OF COmmERCIAL bUSINESS CREDIT

Indonesian citizen.Joined bank CImb Niaga in September 2017. Prior to joining CImb Niaga, he served as Group Head of Credit Control & Supervision at bank mandiri and Head of Credit Approval at maybank Indonesia.

He started his career in the field of financial institution and banking in 1994. He has experience in Commercial banking, Corporate banking, and Loan Workout. He has also held various positions in several financial institutions/ banks, such as ORIX Indonesia Finance, Indonesian bank Restructuring Agency, International Finance Corporation/ - World bank, bank Central Asia, and bank Permata.

He holds a master’s Degree in management from PPm management - Jakarta, and a bachelor’s Degree in mechanical Engineering from brawijaya University - malang, East Java.

hElEN MARISHEAD OF FINANCE

Indonesian citizen.Head of business Planning and Network management - Consumer banking at CImb Niaga since July 2016 and Head of Finance since November 2019.

Started her career as management Associate at Citibank Indonesia, and was subsequently rotated across various countries, holding various positions as Financial Planning and Analysis Head, Consumer bank HR Generalist Head, and Chief of Staff.

She holds a bachelor’s Degree in business and master of business in Finance Degree from the University of Technology, Sydney, Australia.

115

CIM

B N

IAG

A A

NN

UA

L R

EP

OR

T 2

01

9

Supporting Business Review

Corporate GovernanceReport

Corporate SocialResponsibility

Others Corporate Data ConsolidatedFinancial Report

hENdRA guNAWANHEAD OF bUSINESS bANKING OFFICE

Indonesian citizen.Appointed as Head of business banking Office at the business banking Directorate effective 2 September 2019. Completed his education at the Department of Accounting, Universitas Tarumanegara in 2003.

before joining CImb Niaga, worked at PT. bank HSbC, Indonesia as Head of Financial Planning and Analysis, PT. bank Ekonomi Raharja Tbk as Head of business Finance and PT. bank DbS, Indonesia as Assistant Vice President - Finance Control.

hENdRA guNAWANHEAD OF mIKRO LINKAGE

CImb Niaga’s Head of micro Linkage since march 2019. Joined bank Niaga as a participant in the Commercial banking Special Education Program in 1997, with his last position as micro Linkage Area manager since 2012.

He is a mechanical Engineering graduate in Industrial Engineering from Universitas Indonesia in 1997.

hENRy SAWAlIHEAD OF COmmERCIAL & mSmE bANKING CREDIT

Indonesian citizen, 51 years old.Head of Commercial & mSmE banking Credit at CImb Niaga since February 2017. Previously served in bank LTbC Central Asia, bank ANZ Indonesia, bank Permata, bank Danamon, and most recently at bank OCbC NISP as Head of Corporate banking Credit.

He is a bachelor of Science graduate, Faculty of Finance from the California State University of Fresno, United States.

hERNAMEN TANdIANToHEAD OF TREASURY DISTRIbUTION

Indonesia citizen, 41 years old.He has served as Head of Treasury Distribution of CImb Niaga since 2018.

He has 18 years of experience working in banking sector with 15 years working experience in Treasury Sales, foreign and local banks, all segment from corporation as well as individual. His experiences and certification including plain vanilla, derivative as well as structured products.

He earned an mm degree from Gadjah mada University and a bachelor’s degree in Civil Engineering from Atma Jaya University.

I guSTI NguRAh dWI SAPTAHEAD OF NON RETAIL CREDIT ADmINISTRATION, CHECKING & APPRAISAL

Indonesia citizen.He has served as Head of Non Retail Credit Administration, Checking & Appraisal of CImb Niaga since October 2018.

He has 20 years of experience in the banking industry, with started as CRU manager at Standart Chartered bank (Year 1998 -2004) and continued as CCU Head at PT bank DbS Indonesia (2004–2007), Head of Credit Control Unit at PT bank Danamon Indonesia Tbk (Year 2007 - 2016) and Head of Credit Risk Control at Standart Chartered bank before finally joining PT bank CImb Niaga as Non Retail Credit administration, Checking & Appraisal Head for the Credit Directory in 2018.

He holds a bachelor’s Degree from the University of Trisakti Jakarta.

JEFFREy BoB kARMANHEAD OF CORPORATE bUSINESS CREDIT

Indonesian citizen, 59 years old.He joined CImb Niaga in October 2013 and has 27 years of professional experience. He held several key positions at various banks and financial institutions, such as Standard Chartered bank, AbN AmRO bank N.V., Sucorinvest Gani, and bank OCbC NISP.

He earned his bachelor of Science Degree, majoring in business Administration - Finance from the University of San Francisco and a master’s Degree in management - International management from Prasetya mulya management Institute.

116

CIM

B N

IAG

A A

NN

UA

L R

EP

OR

T 2

01

9

Performance Highlights Management Reports Company Profile Management Discussionand Analysis

Risk Management

JoNI RAINIHEAD OF HR bUSINESS PARTNER, TALENT ACQUISITION, REWARDS & PERFORmANCE

Indonesian citizen, 39 years old.Has served as the Head of HR business Partner, Talent Acquisition, Rewards & Performance at CImb Niaga since 2019, Head of HR business Partner, Rewards & Services since 2017, Head of HR Rewards, Performance & Services since 2014 and Head of Rewards & Performance since 2013. He also served as Talent & Leadership Development Group Head since 2011. Previously, he served as Head of Human Resources at bank barclays Indonesia and prior to that, he was Head of HR management & Services and Head of Learning & Development at bank UOb buana.

He obtained his bachelor’s Degree in Economics from Tarumanagara University and a master’s Degree from Pelita Harapan University, and an Executive mbA Degree from Peking University, China.

JoNI hERMANToHEAD OF TRANSACTION bANKING SALES

Head of Transaction banking Sales at the Transaction banking Directorate effective from 22 November 2019.

Previously served at PT bank Danamon Indonesia Tbk as Regional Transaction banking Sales Head & Trade Sales Head, PT bank HSbC Indonesia as Senior business Development manager and PT bank Commonwealth Indonesia as Head of Global Trade and Transaction Services.

Finished his education at the Department of Financial management, Universitas Trisakti in 1999.

JoSEPhINE MERCy ARI PRIAMSARIHEAD OF WHOLESALE bANKING OPERATIONS & SHARED SERVICES CENTER

Indonesian citizen.Currently serves as the Head of Wholesale banking Operations & Shared Services Center. Joined CImb Niaga in September 2011.

She previously served as Head of Central Processing Center at bank Internasional Indonesia from 2005 to 2011, and worked at Citigroup Indonesia from 1997 to 2005, with her last position as Head of Corporate Payment Operations.

JulIANAHEAD OF PRIVATE bANKING

Head of Private banking at the business banking Directorate effective from 16 December 2019.Prior to joining CImb Niaga, served at bank LGT LTD. Singapore as Director, Relationship manager. PT Julius baer Advisors Indonesia as Director, Senior Client Advisors and Standard Chartered Private bank Singapore as Director, Relationship manager.

Completed her education at the Department of Economics, Universitas Katolik Parahyangan in 1997.

JulIuS WIANTARA TJhIoEHEAD OF OPERATIONAL RISK mANAGEmENT (ORm)

Indonesian citizen, 54 years old.Has worked with CImb Niaga since 2015 as Head of Operational Risk management (ORm).

Previously served at Citibank N.A. Indonesia as Head of ORm (2012 – 2014), bank DbS Indonesia as Head of ORm (2007 – 2011) and Head of Internal Audit (1999 – 2007), as well as in several banks as Head of Internal Audit.

He obtained his bachelor of Economics Degree in 1992, majoring in Finance and Accounting, from macquarie University, New South Wales, Australia.

koEI hWEI lIENHEAD OF RETAIL CREDIT RISK mANAGEmENT

Indonesian citizen.Served as CImb Niaga’s Head of Retail Credit Risk management since may 2015.

Started her career as a management Trainee at GE Finance Indonesia before entering retail risk management with a position as Credit Policy & Risk Analytic Head at AbN AmRO/RbS, Standard Chartered bank and bank Danamon (SEmm). Has a bachelor of Economics degree from Universitas Atma Jaya Yogyakarta and a masters in management from Prasetiya mulya.

117

CIM

B N

IAG

A A

NN

UA

L R

EP

OR

T 2

01

9

Supporting Business Review

Corporate GovernanceReport

Corporate SocialResponsibility

Others Corporate Data ConsolidatedFinancial Report

lENAHEAD OF LWO FOR COmmERCIAL bANKING (COmbA) & mSmE

Indonesian citizen, 52 years old.Has served as Head of LWO for Commercial banking (Comba) & mSmE (formerly ARR) of CImb Niaga since July 2015. She started her career at bank Permata (formerly bank bali), from 1991-2010, with her latest position as Head of Special Asset management. Prior to joining CImb Niaga, she was Head of Special Asset management at bank UOb Indonesia (2010-2015).

She graduated with a bachelor Degree from the University of Atma Jaya Yogyakarta in 1991.

lINdA MARShElIAHEAD OF FINANCIAL INSTITUTION

Indonesian citizen. 48 years old. Linda has spent the last 24 years of her career in the banking sector. She joined PT. bank CImb Niaga Tbk in October 2018 as the Head of Financial Institutions.

Prior to that, she has worked in mUFG bank Ltd, Indonesia as the Head of Financial Institution and multi National Corporates. She also served as Director, multi National Corporate unit at Standard Chartered bank, Indonesia and as Senior Relationship manager, Financial Institution unit at Citibank Indonesia.

Linda holds a bachelor Degree in business Administration from Institute business Indonesia.

lISToN SIAhAANHEAD OF COmPLIANCE mANAGEmENT

Indonesian citizen, 52 years old.He has currently served as Head of Compliance management at CImb Niaga since October 2013.

Previously he served as Chief of the Division of Risk management Group of bank Niaga and worked at the National bank Restructuring Agency (bPPN) and PT Pefindo.

He obtained his bachelor’s Degree from bandung Institute of Technology in 1992 and master of management Degree from Prasetya mulya business School, Jakarta.

lukITo AdISuBRATAHEAD OF NON bRANCH CHANNEL

Indonesian citizen, 44 years old.Has served as Head of Non branch Channel of CImb Niaga since April 2011. Previously he occupied senior positions in bank Permata, Lippo bank, and Citibank N.A.

He obtained a bacchelor’s Degree from Tarumanagara University in 1997

MIRANTy SuPARdIHEAD OF CORPORATE bANKING I

Indonesian citizen.Has served as Head of Corporate banking Division I CImb Niaga overseeing the Property, Regional Corporate and multinational division since August 2014.Previously, she worked at Citibank New York and Hong Kong with her last position as Senior Vice President for the Corporate and Investment banking division at Citibank Indonesia.

She holds a bachelor’s Degree in business Administration from the University of Wisconsin madison, USA and a master’s Degree in business Administration from Cornell University, USA.

NovIAdy WAhyudIHEAD OF SEGmENT & RETAIL PRODUCT

Indonesian citizen, 46 years old. Joined CImb in 2011. Previously, was a senior partner in a consulting firm and started his career with Citibank.

Graduated from Universitas Indonesia, obtained an mbA Degree from the National University of Singapore and attended the Executive Leadership Program at INSEAD business school.

Responsible for all retail products (deposits, wealth, insurance, mortgages, indirect auto, credit cards and personal loans). In addition, is also responsible for the preferred banking, workplace banking and community segments.

118

CIM

B N

IAG

A A

NN

UA

L R

EP

OR

T 2

01

9

Performance Highlights Management Reports Company Profile Management Discussionand Analysis

Risk Management

PASkAlINA PN SINgARAHEAD OF CREDIT OFFICE & ASSET DISPOSAL

Indonesian citizen.Head of Credit Office & Asset Disposal at CImb Niaga since July 2019. Previously held various positions at CImb Niaga since 2012 and most recently served as Asset Disposal & Project management Head.

Has a bachelor’s degree in Industrial Engineering from Universitas Pembangunan Nasional and a masters of business Administration in Finance from Universitas Trisakti.

RATRI SETyoRINIHEAD OF RISK CONTROL UNIT

Indonesian citizen.Has served as Head of the business banking Risk Control Unit since January 2017. Started her career as a management Associate at Citibank in September 2001 with her last position, prior to joining bank CImb Niaga, as Head of middle Office and Support of SmE at bank UOb Indonesia. Has experience working at Standard Chartered bank Japan and also experience as guest auditor at various overseas branches of Standard Chartered bank, such as Pakistan, bangladesh, India, and malaysia. Has more than 10 years’ experience in the field of Operational Risk, both for retail and non-retail banking.

She holds a master’s Degree in E-business management from the International University of Japan (IUJ) and a bachelor’s degree in Civil Engineering from bandung Institute of Technology (ITb).

RESTI PRAMESTuTI RAChMATHEAD OF CORPORATE bANKING OFFICE

Indonesian citizen, 53 years old.Has served as Head of Corporate banking Office since January 2018. Previously served as Structured Finance, mergers and Acquisitions Head from 2011 to 2017, Corporate banking Division / Group Head until 2010, Special Asset management Division Head until 2004. began his career at CImb Niaga (formerly bank Niaga) in 1996 as a merchant banking Officer. Previously worked at Indover bank, Amsterdam for 3 years.

Has a Post-graduate degree from the Economic Faculty at Erasmus University of Rotterdam.

RIA yohANITAHEAD OF OPERATIONAL ACCOUNTING

Indonesian citizen.Has served as Head of Operational Accounting at bank CImb Niaga since June 2017.

She has more than 12 years of experience in the banking industry, which started as Supervisor and Assistant manager, Finance & Accounting Department at PT ANZ Panin bank (2004 - 2009) and continued as Head of Project & Development, Finance & Accounting Department at PT bank UOb Indonesia (2011-2011), Head of FTP Policy & Framework, Central Treasury Unit at PT bank UOb Indonesia (2013 - 2016) before finally joining PT bank CImb Niaga as Risk Control Unit Head for the Strategy & Finance Directorate in 2016.

She holds a bachelor’s Degree in Commerce (b. Com) Finance & Financial management Services and master of Commerce (m. Com) Accounting & Finance from the University of New South Wales - Sydney.

RIBoET BudIoNoHEAD OF CORPORATE bANKING II

Indonesian citizenJoined CImb Niaga in April 2016 as Head of Corporate banking – SOE, Infrastructure & Energy. Previously, he worked at Standard Chartered bank as the Director of Corporate & Institutional Client.

Started his career at Societe Generale Leasing and VP of business Development at GE Capital SE Asia in Singapore.

RICky hAlIMHEAD OF SmALL mEDIUm ENTERPRISE (SmE) 3

Indonesia citizen, 52 years old.He has served as Head of SmE 3 since Februari 2018, previously he served as Sumatra 1 SmE Area manager for 4 years.

He earned a law degree at the Islamic University of North Sumatra in 1989.

119

CIM

B N

IAG

A A

NN

UA

L R

EP

OR

T 2

01

9

Supporting Business Review

Corporate GovernanceReport

Corporate SocialResponsibility

Others Corporate Data ConsolidatedFinancial Report

RoBBy MoNdoNgHEAD OF SALES & DISTRIbUTION

Indonesian citizen.Serves as Head of Sales & Distribution Jakarta Region at CImb Niaga.

Started his career at Lippobank Los Angeles and has held several senior positions in bank Permata, Lippo bank, and Citibank N.A.

He earned his mbA Degree from Woodbury University, burbank, California, USA in 1993, and obtained a bA from the National University, San Diego, California, USA in 1992

Rudy huTAgAluNgHEAD OF GOVERNmENT RELATIONS & CEO SPECIAL STAFF

Indonesian citizen, 53 years old.Head of Government Relations & CEO Special Staff since 1 December 2016. Previously, served as Head of Government Relations since 1 march 2016. He also served as CImb Niaga’s Corporate Secretary and concurrently as Head of CImb Niaga’s Corporate & Legal Affairs since 1 October 2013, and CImb Niaga’s Head of Legal and Litigation (2012-2013).

He earned a Doctoral Degree (m&A) in Law from the American University, London, United Kingdom in 2009, a master’s Degree in business Law from the University of minnesota, School of Law, USA in 1999, and a Law Degree from Gadjah mada University, Yogyakarta in 1990.

RoBy CokRoHEAD OF SmALL mEDIUm ENTERPRISE (SmE) 4 (KALImANTAN – INDTIm)

Indonesia citizen, 47 years old. Head of SmE 4 at CImb Niaga since February 2018. Previously, he was Area manager of East Indonesia at CImb Niaga since December 2014.

Started his career in 1997 - 2003 at bank Danamon as Account Officer until SmE Lending business manager.

Since 2003 – 2014, he worked at OCbC NISP with any position : Loan marketing manager, Coordinator of branch manager, Consumer & Distribution Head, Head of Commercial & Emerging business Loan.

He earned a bachelor’s degree in Economic at Atmajaya University, makassar – South Sulawesi.

RuSdI dAhARdINHEAD OF SHARIA bUSINESS bANKING

Indonesian citizen.Head of Sharia business banking since 2015, and has more than 25 years’ experience in the banking sector.

Started his career as an employee and participated in the Officer Development Program. Since then, he has held several positions, namely as an Account Officer, branch manager, and Area Commercial banking Head in Sumatra, he has also served as a member of the Special Asset management Team. From 2004 to 2008, the management of CImb Group appointed Rusdi, as the Assistant General manager of South East Asian bank Ltd. mauritius and from 2008 - 2013 in Kuala Lumpur, malaysia as an Associate Director, Strategic management - Corporate Planning management at the Group’s Islamic banking Division - CImb Group.

He graduated from the University of North Sumatra, Accounting Department.

SARI kARTIkAHEAD OF mSmE bUSINESS & PRODUCT DEVELOPmENT

Indonesian citizen, 38 years old.Head of mSmE business and Product Development at CImb Niaga, since February 2015.

She previously worked at bank Permata for 12 years in the marketing, Product Development and Value Chain division.

She holds a bachelor’s Degree in Economics from the Catholic University of Widya mandala, Surabaya.

SANTI gloRIA PANggABEANHEAD OF RISK CONTROL UNITS & STRATEGIC RISK ANALYTICS

Indonesian citizen, 46 years old.Serves as Head of Risk Control Units & Strategic Risk Analytics. Previously served as Corporate and High End Credam Head at CImb Niaga.

Has a master’s degree in business Administration from the University of Notre Dame Australia, and a bachelor’s degree in Economics from Universitas Kristen Satya Wacana.

120

CIM

B N

IAG

A A

NN

UA

L R

EP

OR

T 2

01

9

Performance Highlights Management Reports Company Profile Management Discussionand Analysis

Risk Management

SAuT PARulIAN SARAgIhHEAD OF STRATEGY

Indonesian citizen, 45 years old. Served as CImb Niaga’s Head of Strategy since 2019.

Previously, served for more than 20 years in various companies and industries including Unilever, AT Kearney, Standard Chartered bank, Permata bank, Sampoerna Strategic, and OVO.

Has a mbA from London business School - United Kingdom and a bachelor of Engineering (Cum Laude) from the Department of Industrial Engineering - Institut Teknologi bandung.

SJARIF hARTAdy guNAWANHEAD OF SALES

Indonesian citizen, 49 years old.He has served as Head of Global Sales & marketing since 2015.

He previously served as Risk Advisory & Institutional Sales Group Head of CImb Niaga from October 2011. He has had experience in the Treasury and Capital market since 2001 at Standard Chartered bank and Citibank and his last position was at OCbC NISP as Head of Risk Advisory Workgroup in 2009.

He obtained a double degree in bachelor of banking and Finance/bachelor of Social Arts from monash University, Australia in 1995.

SuhERMAN oNIhANAHEAD OF LOAN WORKOUT FOR CORPORATE bANKING

Indonesian citizen, 50 years old. Has served as Head of Loan Workout for Corporate banking at CImb Niaga since July 2017.

He has had experience in loan recovery since 2006 at Commonwealth bank and lastly at HSbC as Head of Loan management Unit since 2010.Previously, during his 10 year career at Permata bank and bank Universal, he held several positions in Wholesale & Commercial banking.

He obtained a bachelor’s Degree in Economics from Tarumanagara University in 1993.

SukASNo TJokRoRAhARdJoHEAD OF SmALL mEDIUm ENTERPRISE (SmE) 2

Indonesian citizen, 48 years old, Served as Head of SmE 2 (West Java, Central Java, East Java and bali) at PT. bank CImb Niaga since may 2018.

Has worked at PT. bank CImb Niaga since 2000, in several business unit divisions.

SuRyA kIRANA SulISTIyoHEAD OF LEGAL / GENERAL COUNSEL

Indonesian citizen, 54 years old.Head of Legal of CImb Niaga since may 2016. Previously, he held various positions including Head of Legal at UOb Indonesia and General Legal Counsel at bank Danamon Indonesia.

He holds a bachelor’s Degree in Law from Trisakti University and a master’s Degree in Law from the University of Indonesia

TJAhJAdI yAPETERHEAD OF WHOLESALE bANKING CREDIT

Indonesian citizen, 51 years old.Head of Wholesale banking Credit at CImb Niaga since November 2012. Previously, he worked in bank bCA as Head of Structured and Project Finance and at HSbC bank as Head of Credit Approval Unit.

He holds a bachelor of Science Degree from the Faculty of Industrial Engineering and management, Oklahoma State University, USA.

121

CIM

B N

IAG

A A

NN

UA

L R

EP

OR

T 2

01

9

Supporting Business Review

Corporate GovernanceReport

Corporate SocialResponsibility

Others Corporate Data ConsolidatedFinancial Report

TJhIu FENHEAD OF VALUE CHAIN & TRADE PRODUCT

Indonesian citizen.Has served as Head of Value Chain & Trade Product at CImb Niaga since September 2015. Her banking career has covers end to end business segments and serves various positions, including Informal SmE business Development Head at bTPN, SmE & Commercial business Development Head at maybank (formerly, bII), Supply Chain Head at bank Danamon, and Enterprise marketing Head at Lippo bank.

She earned a bachelor of Civil Engineering Degree from the University of North Sumatra.

ToNI dARuSMANHEAD OF mARKETING, bRAND & COmmUNICATIONS

Indonesian Citizen, 44 years old.Almost 20 Years in brand marketing positions in multinational Companies in Indonesia, malaysia and Hong Kong. Prior joining CImb Niaga, He was the Chief marketing Officer at bank Danamon. He started his career at Sampoerna where he spent 8 Years from brand Associate to marketing manager. He then worked at Coca-Cola, Unilever, Heineken, GSK Asia as Area marketing Director and joined Indosat before entering the financial sector.

He graduated from Universitas Andalas in Padang with bachelor degree in mechanical Engineering and earned mSc(Eng) from the University of Liverpool in UK.

ToNy TARdJoHEAD OF ANALYTIC & CUSTOmER EXPERIENCE

Indonesian citizen.Head of Analytics & Customer Experience since August 2019. Previously, he served as CImb Niaga Head of Sales & Distribution for Out Region from 2015 and Head of Consumer Lending from January 2011.

Previously, he served as Head of Retail Lending at bank Permata from 2010 to 2011 and Head of Consumer Lending business, barclays bank from 2009 to 2010.

He earned his bachelor of Science Degree in Electrical Engineering from Ohio State University, Columbus, Ohio, United States, and attended INSEAD business School Executive Program in 2012.

voNNy IRAWANHEAD OF COmmERCIAL bANKING CLIENT SOLUTIONS

Indonesian citizen.Head of Commercial banking Client Solutions Sales at CImb Niaga. She has 25 years of experience in the area of Transaction banking covering product management, client services, marketing and has been a Senior Executive Head leading Relationship management for both Corporate and Financial Institutions/NbFI.

She holds a bachelor’s Degree in Computer Science and master of business Administration Degree from the University of Southern California, United States.

WAgIMINHEAD OF COmmERCIAL bANKING II

Indonesian citizen, 51 years old.Head of Commercial banking, Sumatra, Jakarta and East Java since November 2014. Started his career at bCA, and held various positions at AbN AmRO/RbS (FI, Corporate banking, Commercial banking and Head of Global Trade & Advisory), Head of middle market, Standard Chartered and Head of Corporate banking at bank Ekonomi.

He holds a bachelor’s Degree in Industrial Engineering from the University of Indonesia.

WAhdINIE MuSMARHEAD OF CREDIT ASSURANCE TESTING

Indonesian citizen.Has served as Head of Credit Assurance Testing at CImb Niaga and joined the bank since January 2016. Her banking career has covers end to end business segments and serves various positions, including Credit Approver at Standard Chartered bank and AbN AmRO bank.

She earned a bachelor of Economic degree with a major in Financial management from Padjajaran University, bandung and mbA in the field of International Trade from Texas A&m International University, USA.

122

CIM

B N

IAG

A A

NN

UA

L R

EP

OR

T 2

01

9

Performance Highlights Management Reports Company Profile Management Discussionand Analysis

Risk Management

WIdodo SuRyAdIHEAD OF COmmERCIAL bANKING

Indonesian citizen, 45 years old.SEVP/ Head of Corporate banking II at CImb Niaga since September 2015. Previously he served as the EVP/Head of Wholesale banking at Commonwealth bank (2011-2015) and held various other positions at DbS, Rabobank, Citibank, and Arthur Andersen.

He obtained a mbA degree from the bandung Institute of Technology in 2009 and bachelor of business Administration Degree from the University of Wisconsin at madison, USA, in 1996.

yENNy SISWANToHEAD OF INFORmATION TECHNOLOGY

Indonesian citizen. Has served as Head of Technology Infrastructure at CImb Niaga since 2010, and currently is Head of Information Technology.

Previously she held the positions of Head of Technology Infrastucture management at PT maybank bank International Indonesia and Head of Country Technology at Citibank N.A.

She earned her bachelor of business Degree from one of the universities in Australia in 1995.

WASkINHEAD OF STRATEGIC PROCUREmENT & ADmIN PROPERTY mANAGEmENT

Indonesian citizen, 53 years old.Head of CImb Niaga’s Strategic Procurement & Admin Property management since October 2018. Previously, worked at CImb Niaga as Group Head for Project Development & Integration management, at bank Permata as Group Head for Data Quality & Strategic Information management, at CImb Niaga as Division Head Information management, at Panin bank as Head of IT Security & Core banking Implementation, and at bank bali as IT Development.

Graduated from the Faculty of Information management at Universitas Gunadarma Jakarta, and has a master’s degree in Islamic Economics from Fakultas Ekonomi Sharia Institut Tazkia, Sentul bogor.

yulIuS SETIAWANHEAD OF RISK ANALYTICS & INFRASTRUCTURE

Indonesian citizen.He joined CImb Niaga since march 2015 as Head of Risk Analytics & Infrastructure at the Risk management Directorate. Previously served as a Senior Wholesale Audit and Analytic in Danamon (2006 – 2015) and bCA (1992 – 2006).

He obtained a mbA graduate from PSbA manila in 1997, and bachelor Degree from Institute Pertanian bogor in 1992.