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 Bank Indonesia, 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 Bank Indonesia, Barclays Corporate Unit, Corporate and Indonesia, and Bank Internasional Investment Banking at Citibank 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 Tarumanagara and a number of international certifications, such as Certified Internal Auditor (CIA) and Certified Anti- Money 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. Credit Card, Debit Card, 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, Medan. 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 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. 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 Jakarta, before finally joining career as a lecturer at the Faculty of Bank CIMB Niaga in November 2009. Economics, University of Indonesia, He holds a Bachelor’s Degree in and as a visiting professor in Public Industrial Engineering from Bandung 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), Maybank Indonesia as Executive Vice Director of PT Standard Chartered 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, Commonwealth Bank 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 banks 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. Gadjah Mada University Yogyakarta, 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, Diponegoro University and Master Senior Vice President of Micro of Management Degree from Gajah Collection at Bank Danamon, 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 Airlangga University, Surabaya. 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