Senior Executives Profiles

Indonesian citizen, 43 years of age. Indonesian citizen, 48 years of age. Joined CIMB Niaga in December Has served as Chief of Corporate 2016 and has served as Chief Audit Banking since February 2015. He has Executive since 3 January 2017. held various positions at ABN AMRO He began his career as an auditor , Deutsche Securities at the public accounting firm of Inc. New York, and Rabobank Coopers & Lybrand, KPMG, and Indonesia. Ernst & Young prior to entering the banking industry when he became Prior to joining CIMB Niaga, he Head of Internal Audit at ABN served as Managing Director, Local Amro , Barclays Corporate Unit, Corporate and Indonesia, and Bank Internasional at Indonesia. Prior to joining CIMB Indonesia. He completed his MBA Antonius Gunadi Niaga, he served as Audit Director Rusly Johannes program from The Anderson School, Chief Audit Executive at Citibank and was responsible Chief of Corporate Banking UCLA and Bachelor of Business for audit activities in Indonesia and Administration program from The several other countries in Asia and University of Texas (Austin). EMEA. He holds a Bachelor’s Degree in Accounting from University and a number of international certifications, such as Certified Internal Auditor (CIA) and Certified Anti- Laundering Specialist (CAMS).

Indonesian citizen, 52 years old. Indonesian citizen, 59 years of age. Joined CIMB Niaga in January Has served as Chief of SME Banking 2010. Leading and building the at CIMB Niaga since November 2013. , , and Merchant Acquiring Businesses. He Previously, he held various then served as Head of Branch & key positions at Bank Permata, Branchless Banking, expanding the commencing in 1986 and most distribution of branches and building recently served as Head of SME at the Digital Banking Platform for Bank Permata. He graduated from CIMB Niaga, He is currently the Chief the University of Ryama, . of Corporate Strategic Initiatives at CIMB Niaga since 1 October, 2015. Prior to CIMB Niaga, he was the Budiman Poedjirahardjo Head of Lending at Bank Permata Sukarman Omar Chief of Corporate Strategic Initiatives (2008-2010), Director of Consumer Chief of Micro and SME Banking Banking at ANZ Indonesia (2000- 2008). He earned his MBA in Finance, Investment & Banking and Master of Science Degree in Manufacturing & Automation from the University of Wisconsin - Madison, Wisconsin, USA.

Indonesian citizen, 45 years of age. Has served as Chief of Transaction Banking since August 2013. He had previously held several senior positions including JP Morgan , , and Citibank branches in various countries. He holds a Master’s Degree which he earned from Stanford University, USA in 1994.

Gregory Hendra Lembong Chief of Transaction Banking SENIOR EXECUTIVES PROFILES

Indonesian citizen, 51 years of age. Indonesian citizen, 45 years of age. Chief Economist at Bank CIMB Niaga Started his banking career and held since October 2016. He spent half of senior positions at Deutsche Bank his career overseas. Adrian began his AG , before finally joining career as a lecturer at the Faculty of Bank CIMB Niaga in November 2009. Economics, , He holds a Bachelor’s Degree in and as a visiting professor in Public Industrial Engineering from finance at KIMEP (Kazakhstan), He Institute of Technology. then served as Policy Advisor at UNDP (Indonesia), economist for Southeast Asia region at Nomura (Singapore), the Asian Development Bank (Philippines), and economic adviser at the Prime Adrian Panggabean Minister’s Office, Brunei Darussalam. Amir Mirza Chief Economist, Treasury and Capital Upon his return to Indonesia, Dr. Head of Cash Management Market Panggabean pursued a career in the fund management industry and became CEO in several investment companies. He holds a Bachelor’s Degree in Economics from the University of Indonesia and Master’s Degree In Social Science and a Doctor of Philosophy Degree (PhD) from the University of Birmingham, England.

Indonesian citizen, 43 years of age. Indonesian citizen, 47 years of age. Head of Corporate Client Solutions Joined Bank CIMB Niaga in May 2016. since April 2013. Previously served Started his career, holding various as President Director of PT Deutsche senior positions at HSBC Bank, OCBC Securities Indonesia (2010-2013) NISP, with his last position being at (an affiliation of Deutsche Bank), Indonesia as Executive Vice Director of PT President of Transaction Banking. Securities Indonesia from 2004 He holds a Master of Science in to 2010 (an affiliation of Standard Business Administration Degree Chartered Bank), Vice President of from the California State Polytechnic Investment Banking at PT Trimegah University, USA. Securities Tbk (2000-2004), Chief Accountant at PT Dowell Anadrill Agus Wicaksono Schlumberger (1999-2000) and Andrew Suhandinata Head of Corporate Client Solutions Financial Analyst at PT Astra Deputy Chief of Transaction Banking International Tbk (1997- 1999). He obtained a Bachelor’s Degree in Accounting from the Faculty of Economy of the University of Indonesia in 1997.

Indonesian citizen, 41 years of Indonesian citizen, Head of Human age. Serves as Head of Consumer Resources Business Partner & Banking Operations at CIMB Niaga. Employee Engagement at CIMB Niaga He previously worked at Citibank for since September 2016. 6 years, Bank Barclays Indonesia for 2 years, for Previous positions include Human 2.5 years, ICBC for 2.5 years, and Capital Business Partner Head at Bank Ganesha as Director of IT and PT Bank Mega, Business Human Operations for 1.5 years. Capital Head at PT Bank International Indonesia and Human Resources He holds a Bachelor’s Degree Business Partner at PT CIMB Niaga in Finance from California State Tbk. In addition, she has experience Polytechnic University, Pomona and in non-banking companies, such as Albert Suhandinata an MBA from Loyola Marymount Ang Lennywaty PT Parastar Echorindo and PT Dexa Head of Consumer Banking University Head of Talent Acquisition, Medica. Operations Organization Development & Employee Relations She holds a Bachelor’s Degree in Psychology from the Maranatha Christian University, Indonesia SENIOR EXECUTIVES PROFILES

Indonesian citizen, 55 years of age. Indonesian citizen, 51 years of Head of Anti Fraud Management at age. Has served as Head of Digital CIMB Niaga since 2011. Has extensive Banking, Branchless & Partnership experience in operations, audit, at CIMB Niaga since October 2015. and operational risk management, Specialist in the credit card business and during the period 2008 - 2011 and has worked at several served as Head of Operational such as LippoBank, Bank Bukopin Risk Management at OCBC NISP, and Visa International. Barclays Indonesia, and Bank Ekonomi Rahardja (HSBC Group). Previously, he served as Head of Holds a degree in Political Science Cards & Merchant Business at CIMB and International Relations from Niaga from September 2012. , Antonius Sukriswanto INSEAD Senior Leadership Program Bambang Karsono Adi He graduated from the Faculty of Head of Anti Fraud Management Singapore - France, as well as Head of Digital Banking, Branchless & Economics, majoring in Marketing Partnership following various training programs Management, University of Trisakti. on banking and management.

Indonesian citizen, 54 years of age. Indonesian citizen, 51 years of Has served as Head of Mikro Linkage age. Head of Consumer Collection since October 2014. Previously and Recovery at CIMB Niaga since served as Deputy Head of Mikro Laju, September 2017. Area Manager of SME, ARR Group Head and Branch Manager at High- He previously held the position of End Commercial Banking. Group Head of Unsecured Collection at CIMB Niaga, Executive Vice He holds a Bachelor’s Degree President of Card & Loan Processing, from the Economic Faculty at Fraud and Collection at Bank Mega, and Master Senior Vice President of Micro of Management Degree from Gajah Collection at , Vice Mada University. President of Collection of HSBC, and Arief Danardono Banyon Anantoseno Assistant Vice President of Credit Head of Mikro Linkage Head of Consumer Collection and Operation at Citibank. Recovery He holds a Bachelor degree in Economics Management from , .

Indonesian citizen, 52 years of age. Indonesian citizen, 47 years of Has worked at Bank CIMB Niaga age. Head of Up Country Branch since 2006 as Head of Trading Desk Operations at CIMB Niaga. and became Funding & Gapping Previously, he served at Standard Group Head in 2009. He began his Chartered Bank for more than 15 banking career in several domestic years in Operations with his last and Japanese banks. position as Head of Core Banking, Lending & Liabilities Operations. He holds a Bachelor’s Degree in Computer Science from Embry He holds a Bachelor of Science from Riddle Aeronautical University, the University of Indonesia, Jakarta. Daytona Beach - Florida USA

Aulia Mochtar Bayu Presetyanto Head of Money Market & Funding - Head of Up Country Branch Operations Treasury SENIOR EXECUTIVES PROFILES

An Indonesian citizen, with a career Indonesian citizen, 48 years of age of more than 20 years in the banking Head of SME1 at CIMB Niaga since industry. Currently, he has been September 2016. Previously, he was serving as the Head of Retail Banking Area Manager of SME Jakarta-4 at Product at CIMB Niaga since October CIMB Niaga. 2015. Started her career in 1995 as an Previously, he served as the Head of Account Officer at Bank Dagang Consumer Banking at PT Bank DBS Nasional Indonesia, Tanah Abang Indonesia (2005-2009). branch, Bank Mashill Utama,Glodok branch, and as Marketing Manager, He earned his Bachelor’s Degree in Jakarta – Region to the Commercial Business & Administration from the Business Head of Jabodetabek1 at Budiman Tanjung University of Bath, England in 1996. Dajani Bank OCBC NISP until December, Head of Retail Banking Product Head of SME I (Jakarta) 2014.

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

Indonesian citizen, 51 years of age. Indonesian citizen, 46 years of age. He Head of Commercial Banking for has served as Head of Treasury Risk Central . Joined CIMB Niaga Analytics & RCU since 2017. Started in 1989 through the Executive his banking career as an Account Education Program after earning Officer at Bank Niaga in 1997 and a Bachelor’s Degree in Accounting most recently worked as Relationship from Parahyangan University Manager of Financial Institutions from Bandung. 2000 to 2008. Has served as Credit & Risk Analytics Head at CIMB Niaga She has attended Leadership since 2008. He obtained a Bachelor’s Programs from INSEAD in Degree in Accounting/ Economics Fontainebleau and Singapore, from Padjajaran University, Bandung earned BSMR Commercial Loan/ in 1995. C. Ninik Martini Business Certification from Omega. Daniel Hutapea Head of Central Java Commercial Head of Treasury Risk Analytics & RCU Banking

Indonesian citizen, 45 years of age. In 2006, he joined the Samba Head of Structured Finance and Financial Group in London, United Syndication at CIMB Niaga since Kingdom with his last position being December 2017. Has followed a Co-Head of Corporate and Private career for more than 21 years in the Banking Group. In 2010, he joined corporate and investment banking the Qatar National Bank head office sector in Asia, Europe, and the in Doha, Qatar as Global Relationship Middle East. Manager in the Corporate and Investment Banking division He began his career as Management with sector specialties covering Associate at Citigroup Indonesia in Large Corporations, Oil and Gas, 1996. Held several key positions, Telecommunication, Contracting, including Citigroup Indonesia as and Real Estate. Chialmi Dialdestoro Rosalim Senior Remedial Officer in the Head of Structured Finance and Division of Institutional Remedial He holds a Master’s Degree in Syndication Management and as Head of Local Professional Accounting with Corporate Unit in the Corporate and Honors from The University of Texas Investment Banking division, as well at Austin and a Bachelor of Science as at Citigroup Switzerland as Senior in Accounting and Finance Degree Banker in the Global Corporate and with Honors from Oklahoma State Investment Banking division. University. SENIOR EXECUTIVES PROFILES

Indonesian Citizen, 52 years of age. Indonesian citizen, 53 years of age. Has served as CIMB Niaga Head of Head of Anti-Money Laundering Performance & Sales Management (AML) at CIMB Niaga since December – S&D since 2009. Previously served 2016. as Head of Sales & Distribution II, being responsible for all branches Started her career, and served in and Java (2010 –2013). in different positions at Bank Project Manager for the 1Platform Internasional Indonesia, Compliance Pre Implementation (2013), Head Head of Bank Chinatrust Indonesia, of SMME Business Development and AML Head of Bank Danamon (2014), Communication, Change Indonesia. Management & Business Case Stream Lead for the 1 Platform She holds a Bachelor’s Degree in Diah Rachma Paramaiswari Implementation (2014 –2016), Head Entin Rostini Economics, majoring in Accounting Head of Syariah Consumer & Business of Sharia Consumer & Product Head of Anti Money Laundering (AML) from in Management Development – Sharia Banking Bandung and Master of Finance (2016 –present). She obtained her Degree from the University of Gajah Bachelor’s Degree in Accountancy Mada in Yogyakarta. from University of Airlangga, Surabaya, Indonesia in 1988.

Indonesian citizen, 52 years of age. Indonesian citizen, 53 years of age. Head of Consumer Credit Risk since Has served as Head of Commercial September 2017. Banking I, and previously as Head of Business Products and Strategic He previously served as Head of Development since January 2013 Consumer Finance at Maybank and has held senior positions at ABN Indonesia, Member Relation Director AMRO and ANZ Indonesia as Head of at MasterCard International Inc., Business Banking. Indonesia, Wealth Director at PT AXA Financial Indonesia, and various He obtained his Law Degree from positions at Bank Internasional the University of Sebelas Maret, Indonesia. Solo, Indonesia and was enrolled in the Bank Niaga Executive Education Djojo Boentoro He has more than 24 years of work Faisal Tambayong Program in 1990. Head of Consumer Credit Risk experience in the banking industry. Head of Commercial Banking I – Jakarta, West Java, Eastern Indonesia He obtained a Bachelor’s Degree in Civil Engineering from Parahyangan University, Bandung in 1989.

Indonesian Citizen, 55 years of age. Indonesian citizen, 37 years of age. Has served as Head of SME III at Head of Trading & Structuring at CIMB Niaga since June 2014 and CIMB Niaga since October 2015. He concurrently as Head of SME II since has had experience in the field of August 2016. He previously served Treasury since 2004. as Sumatra SME Area Manager. He holds a Bachelor of Science He obtained a Bachelor’s Degree degree from the National University from Dharma Agung University, of Singapore. Medan, Indonesia in 1986.

Edianto Lim Ferdinand Renaldi Wawolumaya Head of SME II & III Head of Trading & Structuring SENIOR EXECUTIVES PROFILES

Indonesian citizen, 50 years of age. Indonesian citizen. Head of Business Head of Securities Services at CIMB Planning and Network Management Niaga since September 2016. He - Consumer Banking at CIMB Niaga started his career at CIMB Niaga since July 2016. in 1991, and joined IBRA prior to rejoining CIMB Niaga in 2003. Started her career as Management Associate at Citibank Indonesia, and He holds a Bachelor’s Degree in was subsequently rotated across Mathematics from the University of various countries, holding various Gajah Mada and a Master’s Degree positions as Financial Planning and in Financial Management from one Analysis Head, Consumer Bank HR of the state universities in Indonesia. Generalist Head, and Chief of Staff.

Furiyanto Helen Maris She holds a Bachelor’s Degree in Head of Securities Services Head of Business Planning and Network Business and Master of Business in Management - Consumer Banking Finance Degree from the University of Technology, Sydney, Australia

Indonesian citizen, 51 years of age. Indonesian citizen, 41 years of age. Has served as Head of Commercial Has served as Head of Learning & and Wholesale Funding at CIMB Development since 2015. He joined Niaga since January 2016, covering CIMB Niaga in 2010 and has held Jakarta, Sumatra, , West various senior positions in Human Java, Central Java, East Java, and Resources. Eastern Indonesia. Previously he worked at a variety Previously served as Head of Sales of well-known organizations, such and Distribution II under Consumer as Bank International Indonesia, Banking from June 2013 to December PT Asuransi AIG Life, PT Kalbe Farma 2015. Tbk, and lastly as Head of Talent & Organization Development at HSBC Hanny Librata Henry Budiarto Indonesia (2008 – 2010). Head of Commercial and Wholesale Head of Learning & Development Funding He obtained a Bachelor’s Degree (Computer Science) from Bina Nusantara University in 1999, and attended the Accelerated Universal Banker program at Nanyang Technological University, Singapore

Indonesian citizen. Joined Bank CIMB Indonesian citizen, 49 years of Niaga in September 2017. Prior to age. Head of Commercial & MSME joining CIMB Niaga, he served as Group Banking Credit at CIMB Niaga since Head of Credit Control & Supervision February 2017. Previously served at and Head of Credit in Bank LTBC Central Asia, Bank Approval at Maybank Indonesia. ANZ Indonesia, Bank Permata, Bank Danamon, and most recently at Bank He started his career in the field of OCBC NISP as Head of Corporate financial institution and banking in Banking Credit. He is a Bachelor of 1994. He has experience in Commercial Science graduate, Faculty of Finance Banking, Corporate Banking, and from the California State University Loan Workout. He has also held of Fresno, United States. various positions in several financial Hartanto Kurniawan institutions/ banks, such as ORIX Henry Sawali Head of Commercial Business Credit Indonesia Finance, Indonesian Bank Head of Commercial & MSME Banking Restructuring Agency, International Credit Finance Corporation/ - World Bank, , 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 - , East Java. SENIOR EXECUTIVES PROFILES

Indonesian citizen, 39 years of Indonesian citizen. Currently serves age. Head of Risk and Control as the Head of Wholesale Banking Unit,Consumer Banking at CIMB Operations & Shared Services Niaga since 15 August 2016. Center. Joined CIMB Niaga in September 2011. Started her career, and held various positions at Ernst & Young, Standard She previously served as Head of Chartered Bank, PT Bank Barclays Central Processing Center at Bank Indonesia, and PT Bank Permata Tbk. Internasional Indonesia from 2005 to 2011, and worked at Citigroup She holds a Bachelor’s Degree in Indonesia from 1997 to 2005, Economics and Accounting (SE with her last position as Head of Ak) from the Faculty of Economics, Corporate Payment Operations. Humilo Felona Ronitua University of Indonesia. Josephine Mercy Ari Priamsari Head of Risk and Control Unit, Consumer Head of Wholesale Banking Operations Banking & Shared Services Center

Indonesian citizen, 57 years of Indonesian citizen, 52 years of age. age. He joined CIMB Niaga in Has worked with CIMB Niaga since October 2013 and has 27 years of 2015 as Head of Operational Risk professional experience. He held Management (ORM). several key positions at various banks and financial institutions, such Previously served at Citibank N.A. as Standard Chartered Bank, ABN Indonesia as Head of ORM (2012 – AMRO Bank N.V., Sucorinvest Gani, 2014), Bank DBS Indonesia as Head and Bank OCBC NISP. of ORM (2007 – 2011) and Head of Internal Audit (1999 – 2007), as He earned his Bachelor of Science well as in several banks as Head of Degree, majoring in Business Internal Audit. Administration - Finance from the Jeffrey Bob Karman University of San Francisco and a Julius Wiantara He obtained his Bachelor of Head of Corporate Business Credit Master’s Degree in Management Head of Operational Risk Management Economics Degree in 1992, majoring (ORM) - International Management from in Finance and Accounting, from Prasetya Mulya Management Macquarie University, New South Institute. Wales, Australia.

Indonesian citizen, 38 years of Indonesian citizen, 50 years of age. Has served as the Head of HR age. Has served as Head of LWO Business Partner, Reward & Services for Commercial Banking (Comba) at CIMB Niaga since 2017, Head of HR & MSME (formerly ARR) of CIMB Rewards, Performance & Services Niaga since July 2015. She started since 2014 and Head of Rewards & her career at Bank Permata (formerly Performance since 2013. He also Bank ), from 1991-2010, with her served as Talent & Leadership latest position as Head of Special Development Group Head since Asset Management. Prior to joining 2011. Previously, he served as CIMB Niaga, she was Head of Head of Human Resources at Bank Special Asset Management at Bank Barclays Indonesia and prior to that, UOB Indonesia (2010-2015). She he was Head of HR Management & graduated with a Bachelor Degree Joni Raini Services and Head of Learning & Lena from the University of Atma Jaya Head of HR Business Partner, Rewards Development at Bank UOB Buana. Head of LWO for Commercial Banking Yogyakarta in 1991. & Services He obtained his Bachelor’s Degree (Comba) & MSME in Economics from Tarumanagara University and a Master’s Degree from Pelita Harapan University, and an Executive MBA Degree from Peking University, China. SENIOR EXECUTIVES PROFILES

Indonesian citizen, 50 years of age. Indonesian citizen. Has served as He has currently served as Head of Head of Corporate Banking Division Compliance Management at CIMB I CIMB Niaga overseeing the Niaga since October 2013. Property, Regional Corporate and Multinational division since August Previously he served as Chief of the 2014. Division of Risk Management Group of Bank Niaga and worked at the Previously, she worked at Citibank National Bank Restructuring Agency New York and Hong Kong with (BPPN) and PT Pefindo. her last position as Senior Vice President for the Corporate and He obtained his Bachelor’s Investment Banking division at Degree from Bandung Institute of Citibank Indonesia. Liston Siahaan Technology in 1992 and Master of Miranty Supardi Head of Compliance Management Management Degree from Prasetya Head of Corporate Banking I She holds a Bachelor’s Degree in Mulya Business School, Jakarta Business Administration from the University of Wisconsin Madison, USA and a Master’s Degree in Business Administration from Cornell University, USA.

Indonesian citizen, 42 years of age. Indonesia citizen, 40 years of age. He Has served as Head of Non Branch has served as Head of Strategy and Channel of CIMB Niaga since April Investor Relations of CIMB Niaga 2011. since 2016.

Previously he occupied senior He has 10 years of experience positions in Bank Permata, Lippo working in the United States before Bank, and Citibank N.A. coming back to Indonesia in 2008. He worked at the Boston Consulting He obtained a Bacchelor’s Degree Group for two years as a Consultant from Tarumanagara University in in the Jakarta Office, and 6 years in 1997 Sinarmas Land as Managing Director, and in GRAB as Two Wheel Head. Lukito Adisubrata Mulyawan Gani Head of Non Branch Channel Head of Strategy and Investor Relations He earned an MBA degree from Chicago Booth School of Business, University of Chicago, a MSc degree from DePaul University, and a Bachelor’s degree in Business Administration from the University of Wisconsin, USA. He holds several certifications in accounting and finance.

Indonesian citizen. Joined Bank Indonesian citizen, 45 years of age. CIMB Niaga in June 2016. Prior to Joined CIMB in 2011. Previously, was joining CIMB Niaga, he served as a senior partner in a consulting firm Chief Representative Officer at ING and started his career with Citibank. Bank N.V. Graduated from the University Started his banking career in 2003. of Indonesia, obtained an MBA He has experience in Commercial, Degree from the National University Corporate and Investment Banking. of Singapore and attended the He also served in various senior Executive Leadership Program at positions in a number of banks, such INSEAD business school. as ABN Amro NV, OCBC NISP, and Rabobank. In charge of preferred banking, Michael Gerald Jusanti Noviady Wahyudi payroll, student and community Head of Commercial Banking Graduated with a Master’s Degree Head of Segment, Decision Management segment. By also in charge and Customer Experience in Business Administration (MBA) of the analytics unit (Decision from Eastern Illinois University, Management), he is expected to USA and Bachelor’s Degree in increase cross-selling and customer Business Administration (BBA) from product ownership. He is also Benedictine University, USA. responsible for end-to-end customer experience, business process re- engineering, and contact center. SENIOR EXECUTIVES PROFILES

Indonesian citizen. Has served as Head Indonesian citizen. Has served as of the Business Banking Risk Control Head of Operational Accounting at Unit since January 2017. Started her Bank CIMB Niaga since June 2017. career as a Management Associate at Citibank in September 2001 with She has more than 12 years of her last position, prior to joining Bank experience in the banking industry, CIMB Niaga, as Head of Middle Office which started as Supervisor and Support of SME at Bank UOB and Assistant Manager, Finance Indonesia. Has experience working at & Accounting Department at Standard Chartered Bank Japan and PT ANZ Panin Bank (2004 - 2009) also experience as guest auditor at and continued as Head of Project & various overseas branches of Standard Development, Finance & Accounting Chartered Bank, such as Pakistan, Department at PT Bank UOB Ratri Setyorini Bangladesh, India, and . Has Ria Yohanita Indonesia (2011-2011), Head of Head of Business Banking Risk Control more than 10 years’ experience in the Head of Operational Accounting FTP Policy & Framework, Central Unit field of Operational Risk, both for retail Treasury Unit at PT Bank UOB and non-retail banking. Indonesia (2013 - 2016) before finally joining PT Bank CIMB Niaga as Risk She holds a Master’s Degree in Control Unit Head for the Strategy & E-Business Management from the Finance Directorate in 2016. International University of Japan (IUJ) and a Bachelor’s degree in Civil She holds a Bachelor’s Degree in Engineering from Bandung Institute of Commerce (B. Com) Finance & Technology (ITB). Financial Management Services and Master of Commerce (M. Com) Accounting & Finance from the University of New South Wales - Sydney.

Indonesian citizen. She has Indonesian citizen. Joined CIMB served as Head of Non Retail Niaga in April 2016 as Head Credit Administration, Checking & of Corporate Banking – SOE, Appraisal of CIMB Niaga since March Infrastructure & Energy. Previously, 2015. She started her career at CIMB he worked at Standard Chartered Niaga in 1990. Bank as the Director of Corporate & Institutional Client. Started his career She holds a Bachelor’s Degree in at Societe Generale Leasing and Economics from the University of VP of Business Development at GE Padjadjaran Bandung and a Master’s Capital SE Asia in Singapore. degree in Management from Prasetya Mulya Business School, Jakarta. Retno Hestiati Riboet Budiono Head of Non Retail Credit Administration, Head of Corporate Banking – SOE, Checking & Appraisal Infrastructure & Energy SENIOR EXECUTIVES PROFILES

Indonesian citizen. Serves as Head Indonesian citizen, Head of Sharia of Sales & Distribution Jakarta Business Banking since 2015, and Region at CIMB Niaga. has more than 25 years’ experience in the banking sector. Started his career at LippoBank Los Angeles and has held several senior Started his career as an employee positions in Bank Permata, Lippo and participated in the Officer Bank, and Citibank N.A. Development Program. Since then, he has held several positions, He earned his MBA Degree from namely as an Account Officer, Branch Woodbury University, Burbank, Manager, and Area Commercial California, USA in 1993, and Banking Head in Sumatra, “he” obtained a BA from the National has also served as a member of the Robby Mondong University, San Diego, California, Rusdi Dahardin Special Asset Management Team. Head of Syariah Business Banking Head of Sales & Distribution Jakarta USA in 1992 From 2004 to 2008, the management Region of CIMB Group appointed Rusdi, as the Assistant General Manager of South East Asian Bank Ltd. Mauritius and from 2008 - 2013 in , 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 , Accounting Department.

Indonesian Citizen, 51 years of age. Indonesian citizen, 43 years of age. Head of Government Relations & Joined CIMB Niaga in June 2011 CEO Special Staff since 1 December as Corporate and High End Credam 2016. Previously, he served as the Head. Head of Government Relations from 1 March 2016. She began her banking career at Bank Ltd in 1997. He has previously served as CIMB She has also held various senior Niaga’s Corporate Secretary and also positions in Operational Risk, Credit as Head of Corporate Affairs & Legal Risk and Policy at PT Bank DBS. of CIMB Niaga since 1 October 2013 and Head of Legal and Litigation of She holds a Master’s Degree in CIMB Niaga (2012-2013). Business Administration from Rudy Hutagalung Santi Gloria Panggabean the University of Notre Dame Head of Government Relations & CEO Prior to joining CIMB Niaga, he Head of Loan Operations & Document Australia and a Bachelor’s Degree in Special Staff Safekeeping, OIT Risk Control Units & served as Relationship Director - Strategic Risk Analytics Management Economics from Satya Corporate Banking, Clydesdale Bank Wacana Christian University. London, United Kingdom (2010- 2012), General Manager of Bank Mandiri Europe Limited, London, UK (2004-2010), and Business Analyst Head - Investor Relations Group Bank Mandiri, Jakarta (2001-2004).

He started his career in banking [1992-1999] at BankExim with various assignments in Treasury, International Banking (New York Agency) and Corporate Banking of Bank Mandiri (1999-2001).

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. SENIOR EXECUTIVES PROFILES

Indonesian citizen, 35 years of age. Indonesian citizen, 48 years of age. Head of MSME Business and Product Has served as Head of Loan Workout Development at CIMB Niaga, since for Corporate Banking at CIMB Niaga February 2015. since July 2017.

She previously worked at Bank He has had experience in Permata for 12 years in the loan recovery since 2006 at Marketing, Product Development Commonwealth Bank and lastly at and Value Chain division. HSBC as Head of Loan Management Unit since 2010. She holds a Bachelor’s Degree in Economics from the Catholic Previously, during his 10 year University of Widya Mandala, career at and Bank Sari Kartika Surabaya. Suherman Onihana Universal, he held several positions Head of MSME Business & Product Head of Loan Workout for Corporate in Wholesale & Commercial Banking. Development Banking He obtained a Bachelor’s Degree in Economics from Tarumanagara University in 1993.

Indonesian citizen, 48 years of age. Indonesian citizen, 52 years of He has served as Head of Global age. Head of Legal of CIMB Niaga Sales & Marketing since 2015. since May 2016. Previously, he held various positions including Head of He previously served as Risk Legal at UOB Indonesia and General Advisory & Institutional Sales Group Legal Counsel at Bank Danamon Head of CIMB Niaga from October Indonesia. He holds a Bachelor’s 2011. He has had experience in the Degree in Law from Trisakti Treasury and Capital Market since University and a Master’s Degree in 2001 at Standard Chartered Bank Law from the University of Indonesia and Citibank and his last position was at OCBC NISP as Head of Risk Advisory Workgroup in 2009. Sjarif Gunawan Surya Kirana Sulistijo Head of Treasury Sales and Marketing He obtained a double degree in Head of Legal/General Counsel Bachelor of Banking and Finance/ Bachelor of Social Arts from Monash University, Australia in 1995.

Indonesian citizen, 44 years of Indonesian citizen, 49 years of age. age. Head of Marketing, Brand and Head of Wholesale Banking Credit at Communications, CIMB Niaga since CIMB Niaga since November 2012. June 2014. Previously, he worked in Bank BCA as Head of Structured and Project Started his career and held various Finance and at HSBC Bank as Head positions at Unilever Indonesia, of Credit Approval Unit. He holds a Head of Marketing of Permata Bank Bachelor of Science Degree from and Country Marketing Head at ANZ the Faculty of Industrial Engineering Indonesia. and Management, Oklahoma State University, USA. He holds a Bachelor’s Degree in Mechanical Engineering from the Slamet Sudijono Bandung Institute of Technology Tjahjadi Yapeter Head of Marketing, Brand and and Master of Industrial Engineering Head of Wholesale Banking Credit Communications Degree from the KU Leuven, Belgium. SENIOR EXECUTIVES PROFILES

Indonesian citizen. Has served as Indonesian citizen, Head of Trade & Head of Value Chain & Trade Product Cash Sales and Head Of FI & NBFI at CIMB Niaga since September at CIMB Niaga. Prior to joining CIMB 2015. Her banking career has covers Niaga, she had 25 years of experience end to end business segments and in the area of Transaction Banking serves various positions, including and Marketing for both Corporate Informal SME Business Development and Financial Institutions, with her Head at BTPN, SME & Commercial last position as Country Head of The Business Development Head at Bank of New York Mellon, Jakarta Maybank (formerly, BII), Supply Representative Office. Chain Head at Bank Danamon, and Enterprise Marketing Head at Lippo She holds a Bachelor’s Degree in Bank. She earned a Bachelor of Computer Science and Master of Tjhiu Fen Civil Engineering Degree from the Vonny Irawan Business Administration Degree Head of Value Chain & Trade Product University of North Sumatra. Head of Trade & Cash Sales from the University of Southern Head of FI & NBFI* California, United States.

Indonesian citizen, Head of Sales Indonesian citizen, 50 years of & Distribution for Out Region since age. Head of Commercial Banking, October 2015. Previously, he served Sumatra, Jakarta and East Java since as CIMB Niaga Head of Consumer November 2014. Started his career Lending from January 2011. at BCA, and held various positions at ABN AMRO/RBS (FI, Corporate Previously, he served as Head of Banking, Commercial Banking and Retail Banking, Bank Permata from Head of Global Trade & Advisory), 2010 to 2011 and Head of Consumer Head of Middle Market, Standard Lending Business, Barclays Bank Chartered and Head of Corporate from 2009 to 2010. Banking at Bank Ekonomi. He holds a Bachelor’s Degree in Industrial He earned his Bachelor of Science Engineering from the University of Tony Tardjo Degree in Electrical Engineering Wagimin Indonesia. Head of Sales & Distribution for Out from Ohio State University, Head of Commercial Banking – (Jakarta, Region Sumatra, Jawa Timur) Columbus, Ohio, United States.

Indonesian citizen, 40 years of age. Indonesian citizen, 47 years of age. Has served as Head of Strategic Head of Micro Finance at CIMB Procurement, and Admin Property Niaga since August 2014. Previously, Management at CIMB Niaga since he served as Distribution Head at April 2016. PT Bank BTPN Tbk and Regional Business Manager at PT Bank He previously served in various Danamon Indonesia Tbk. He holds companies, including HSBC a Bachelor’s Degree in Business Indonesia, later joined DBS Bank Law, Faculty of Law, and a Master’s Head Office in Singapore. His last Degree, majoring in Marketing position was at Deutsche Bank AG Management from Sriwijaya Indonesia as Head of Corporate Real University, Palembang. Estate & Services, and Corporate Victor Indarto Services Business Partner. He Welli Irawan Head of Strategic Procurement & Admin is experienced in managing Head of Micro Finance Property Management procurement and regional corporate real estate portfolios including Indonesia, Singapore, Vietnam, Philippines and Bahrain.

He holds a Master of Science Degree from the National University of Singapore (NUS). SENIOR EXECUTIVES PROFILES

Indonesian citizen. She served as Indonesian citizen. Has served as Head of Operational Accounting at Head of Technology Infrastructure Bank CIMB Niaga from 2 January at CIMB Niaga since 2010, and 2014 then as Head of Finance at currently is Head of Information Bank CIMB Niaga since 12 June Technology. 2017. In addition, since 2014 she also take the rule as a Director of Previously she held the positions of at CIMB Niaga Pension Fund,which Head of Technology Infrastucture then appointed as President Director Management at PT Maybank Bank since June 2017. She also served International Indonesia and Head of as the President Commissioner of Country Technology at Citibank N.A. PT Niaga Manajemen Citra effective, November 2017. She earned her Bachelor of Business Wenny Ekawulan Handojo Yenny Siswanto Degree from one of the universities Head Of Finance She has over 20 years of experience Head of Information Technology in Australia in 1995. in the banking industry, which began from Financial Control at ABN AMRO Bank, NV (1998-2005) then as Head of Finance at Bank ANZ Indonesia (2005- 2009), Head of Financial Reporting at PT Bank Barclays Indonesia (2009- 2010) and as Head of Finance at PT Bank UOB Indonesia (2010-2013).

She holds a Bachelor’s Degree in Economics and Accounting from the University of Tarumanagara - Jakarta.

Indonesian citizen, 44 years of age. Indonesian citizen, Yulius joined SEVP/ Head of Corporate Banking CIMB Niaga in March 2015 as Head II at CIMB Niaga since September of Risk Analytics & Infrastructure at 2015. Previously he served as the the Directorate of Risk Management. EVP/Head of Wholesale Banking at Commonwealth Bank (2011-2015) Previously, he held senior positions and held various other positions as Wholesale Credit Audit and at DBS, Rabobank, Citibank, and Analytics at Bank Danamon (2006 - Arthur Andersen. He obtained a MBA 2015) and at BCA (1992 - 2006). degree from the Bandung Institute of Technology in 2009 and Bachelor He obtained an MBA from PSBA of Business Administration Degree – Manila in 1997 and Bachelor’s from the University of Wisconsin at Degree from Institut Pertanian Bogor Widodo Suryadi Madison, USA, in 1996. Yulius Setiawan in 1992. Head of Corporate Banking II Head of Risk Analytics & Infrastructure