Performance Management Company Management Discussion Risk Highlights Reports Profile and Analysis Management SENIOR EXECUTIVES PROFILES RUSLY JOHANNES ANTONIUS PRAMANA GUNADI CHIEF OF CORPORATE BANKING & FINANCIAL INSTITUTION, CHIEF AUDIT EXECUTIVE AND CHIEF OF TRANSACTION BANKING Indonesian citizen, 50 years old. Indonesian citizen, 46 years old. Has served as Chief of Corporate Banking and Financial Institution and Joined CIMB Niaga in December 2016 and has been serving as Chief Audit Chief of Transaction Banking since February 2015. Previously he held Executive since January 3, 2017. He started his career as an Auditor at various positions at ABN AMRO Bank Indonesia, Deutsche Securities a public accounting firm Coopers & Lybrand, KPMG and Ernst & Young, Inc. New York, and Rabobank Indonesia and Managing Director, Local then he entered the banking industry and served as Head of Internal Corporate Unit, Corporate and Investment Banking at Citibank Indonesia. Audit at ABN Amro Bank Indonesia, Barclays Indonesia, and Bank International Indonesia as well as the Audit Director at Citibank being He completed the MBA program from The Anderson School, UCLA and responsible for audit activities in Indonesia and a number of countries in the Bachelor of Business Administration program from The University of Asia and EMEA. Texas (Austin). He earned his bachelor’s degree of Accounting from Tarumanagara University and several international certifications such as Certified Internal Auditor (CIA) and Certified Anti Money Laundering Specialist (CAMS). Currently he also actively plays a role in advancing the internal auditor profession in banking industry in Indonesia by serving as the General Chair of Bank Internal Auditor Association (IAIB) for the period of 2020-2023. JONI RAINI MEGAWATI SUTANTO CHIEF HUMAN RESOURCES OFFICER CHIEF OF CORPORATE BANKING & FINANCIAL INSTITUTION, AND CHIEF OF TRANSACTION Indonesian citizen, 40 years old. Indonesian citizen, 58 years old. Has been serving as Chief of Human Resources Officer since April Joined CIMB Niaga in April 2010 and is currently serving as Chief Special 2020 after previously served as Head of HR Business Partner, Talent Asset Officer. In prior, she served as Credit Director CIMB Niaga from Acquisition, Rewards & Performance in January-April 2020. During his March 2011 to April 2020. Prior to joining CIMB Niaga she served as 9-year career at CIMB Niaga, he has held several strategic positions in Head of Corporate Banking at Bank Danamon from 2007-2010, Deputy Human Resources in HR Business Partner, Talent Acquisition, Rewards, President Director of Bank DBS Indonesia from 2003-2006, Head of Performance Management, HR Services, and Talent & Leadership Wholesale Credit Banking at Standard Chartered Bank from 2000-2003, Development functions. Prior to joining CIMB Niaga in 2011, he served General Manager of Corporate Banking Credit & Marketing at PT Bank as Head of Human Resources and Head of HR Management & Service at Dagang Nasional Indonesia 1997 - 1998 and Deputy Head Domestic Bank Barclays Indonesia from 2009 to 2011. He also had a career with Corporate at Hong Kong Bank 1995-1997. Bank UOB in 2003-2009 with the last position as Head of Learning & Development. She completed her Postgraduate education in Business Administration from Pepperdine University, United States (1988) and Bachelor of Finance He earned his bachelor’s degree of Economics from Tarumanagara from University of Southern California, United States (1985). University and Master’s degree from Pelita Harapan University, Jakarta and an Executive MBA from Peking University, China. 106 CIMB NIAGA ANNUAL REPORT 2020 Supporting Business Corporate Governance Corporate Social Others Corporate Consolidated Review Report Responsibility Data Financial Report ADRIAN PANGGABEAN ANTONIUS SUKRISWANTO WIDODO SURYADI CHIEF ECONOMIST HEAD OF ANTI FRAUD HEAD OF COMMERCIAL BANKING MANAGEMENT Indonesian citizen, 54 years old. Indonesian citizen, 58 years old. Indonesian citizen, 47 years old. Has been serving as Chief Economist Bank CIMB Has been serving as Head of Anti Fraud Has been serving as Head of Commercial Niaga since October 2016. He started his career Management at CIMB Niaga since 2011. His Banking in CIMB Niaga since September 2019 as a Lecturer at the Faculty of Economics and experience includes operational, audit and after previously serving as SEVP/Deputy Head has been a visiting professor in the subject of operational risk management and previously of Micro Small Medium Enterprises. He joined State Finance at KIMEP (Kazakhstan), and Policy from 2008 to 2011 he held the position of Head CIMB Niaga in September 2015 as SEVP/ Advisor at UNDP (Indonesia). He also served of Operational Risk Management at OCBC NISP, Head of Corporate Banking II. Previously, he as an economic advisor for the Southeast Barclays Indonesia, and Bank Ekonomi Rahardja served as EVP/Head of Wholesale Banking at Asia region in Nomura (Singapore), Asian (HSBC Group). Commonwealth Bank (2011-2015) and various Development Bank (Philippines), and economic senior positions at DBS, Rabobank, Citibank, advisor at the Prime Minister’s office of Brunei He earned his bachelor’s degree of Political and Arthur Andersen. Darussalam. Adrian has also been CEO of Science in International Relations from Gadjah several investment manager companies. Mada University Yogyakarta, INSEAD Senior He earned his MBA from Bandung Institute of Leadership Program Singapore - France, as Technology in 2009 and a Bachelor of Business He earned his bachelor’s degree of Economics well as various trainings related to banking and Administration from the University of Wisconsin from the University of Indonesia and master’s management. at Madison, USA, in 1996. degree in Social Science and Doctor of Philosophy (PhD) from the University of Birmingham, UK. MIRANTY SUPARDI RIBOET BUDIONO RESTI PRAMESTUTI RACHMAT HEAD OF CORPORATE BANKING HEAD OF CORPORATE BANKING HEAD OF CORPORATE BANKING OFFICE Indonesian citizen, 39 years old. Indonesian citizen, 53 years old. Indonesian citizen, 54 years old. Joined CIMB Niaga in August 2014 and is Joined CIMB Niaga in April 2016 as Head of She has been serving as Head of Corporate currently serving as Head of Corporate Banking Corporate Banking - SOE, Infrastructure & Banking Office since January 2018. Previously overseeing Large and Middle Corporates and Energy. Previously, he worked at Standard she served as Structured Finance, Mergers and Multinational business. Chartered Bank as Director of Corporate Acquisitions Head from 2011 to 2017, Corporate & Institutional Client, GE Capital SE Asia in Banking Division/Group Head until 2010, Special She started her career at Deloitte and Ernst Singapore and Branch Manager at Clipan Asset Management Division Head until 2004. & Young in the US office. She also worked at Finance Indonesia. She started her career at CIMB Niaga (formerly Citibank New York and Hong Kong with last Bank Niaga) in 1996 as Merchant Banking position as Senior Vice President for Corporate He earned his bachelor’s degree of Accounting Officer. Prior to that, she worked at Indover and Investment Banking at Citibank Indonesia. from Brawijaya University. Bank, Amsterdam for 3 years. She earned her bachelor’s degree of Business She earned her Postgraduate degree from Administration from the University of Wisconsin Faculty of Economics, Erasmus University of Madison, USA and Master of Business Rotterdam. Administration from Cornell University, USA. JEFFREY BOB KARMAN LINDA MARSHELIA RATRI SETYORINI HEAD OF CORPORATE BUSINESS HEAD OF FINANCIAL INSTITUTION HEAD OF RISK CONTROL UNIT - CREDIT BUSINESS BANKING Indonesian citizen, 60 years old. Indonesian citizen, 49 years old. Indonesian citizen, 43 years old. He has been working at CIMB Niaga since Has been serving as Head of Financial Has been serving as Head of Risk Control Unit October 2013. He previously worked for 27 Institution to oversee Banks and Non-Bank since November 2018, after previously serving years in various companies in financial sector Financial Institutions since October 2018. as Head of Risk Control Unit. She started her and held key positions in Standard Chartered career at Citibank in September 2001 and her Bank, ABN AMRO Bank N.V., Sucorinvest Gani, Previously, she served at Citibank, Standard last position prior to joining Bank CIMB Niaga Bank OCBC Indonesia and Bank OCBC NISP. Chartered Bank and MUFG Bank Jakarta with was Head of Middle Office and Support at last position as Head of Financial Institution and Bank UOB Indonesia. Her working experience He earned his Bachelor of Science in Business Multi National Corporate. includes working at Standard Chartered Administration - Finance from the University Bank Japan and also serving as guest auditor of San Francisco and Master of Management - She earned her Bachelor of Business in various overseas branches of Standard International Management from Prasetya Mulya Administration from the Indonesian Institute of Chartered Bank such as Pakistan, Bangladesh, Institute of Management. Business and Informatics (IBII). India and Malaysia. She has obtained more than 10 years experience in the area of Operational Risk for both retail and non-retail banking. She earned her master’s degree of E-Business Management from the International University of Japan (IUJ) and bachelor’s degree of Civil Engineering from Bandung Institute of Technology (ITB). 107 CIMB NIAGA ANNUAL REPORT 2020 Performance Management Company Management Discussion Risk Highlights