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 , 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 Indonesia. Audit at ABN Amro , 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 University and several international certifications such as Certified Internal Auditor (CIA) and Certified Anti 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 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 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, and an Executive MBA from Peking University, China.

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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 (), Asian (HSBC Group). (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 , INSEAD Senior He earned his MBA from 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 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 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).

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TONY TARDJO CHIALMI DIALDESTORO ROSALIM HEAD OF SMALL MEDIUM HEAD OF STRUCTURED, ACQUISITION & SYNDICATED ENTERPRISE FINANCE AND HEAD OF BUSINESS DEVELOPMENT

Indonesian citizen, 51 years old. Indonesian citizen, 48 years old. Has been serving as Head of Small Medium Joined CIMB Niaga in December 2017 and has been serving as Enterprise since March 2020, previously serving Head of Structured, Acquisition & Syndicated Finance and as as Head of Analytics & Customer Experience Head of Business Development since April 2018. He has also been in 2019, Head of Sales & Distribution for Out serving as Commissioner at PT CIMB Niaga Sekuritas since August Region in 2015 and Head of Consumer Lending 2020. CIMB Niaga since January 2011. He served as Retail Lending Head at Bank Permata from 2010 Started his banking career as a Management Associate at Citigroup to 2011 and Consumer Lending Business Head, Indonesia in 1996. He has been having a career for more than 24 Barclays Bank from 2009 to 2010. years in the global corporate and investment banking sector in Asia, United Kingdom, Europe and the Middle East. He earned his Bachelor Science of Electrical Engineering from The Ohio State University, He earned his Master of Professional Accounting (with honor) Columbus, Ohio, United States, and attended from The University of Texas at Austin and a Bachelor of Science the INSEAD Business School Executive Program in Accounting and Finance (with honor) from The Oklahoma State in 2012. University.

ENTIN ROSTINI LISTON SIAHAAN LINA HEAD OF ANTI MONEY LAUNDERING HEAD OF COMPLIANCE HEAD OF GOOD CORPORATE MANAGEMENT GOVERNANCE & SUSTAINABILITY

Indonesian citizen, 56 years old. Indonesian citizen, 52 years old. Indonesian citizen, 44 years old. Has been serving as Head of Anti Money Serving as Head of Compliance Management at Joined CIMB Niaga in November 2017 and Laundering (AML) since December 2016. Started CIMB Niaga since 2013. Previously, he served has been serving as Head of Good Corporate her career and held various positions at Bank as Head of the Risk Management Group at Governance & Sustainability since September Internasional Indonesia, Compliance Head of Bank Niaga and worked at the Indonesian Bank 2020. Previously, she worked at Bank QNB Bank Chinatrust Indonesia and AML Head of Restructuring Agency and PT Pefindo (Credit Indonesia, Bank UOB Indonesia and Bank Bank Danamon Indonesia. Rating Agency). Victoria International. She earned his Bachelor of Economics majoring Liston Siahaan earned his bachelor’s degree of She earned her bachelor’s degree of Economics in Accounting from Urban and Regional Planning from the Bandung from Tarumanegara University, Jakarta Bandung and Master of Management from Institute of Technology in 1992 and master’s Gajah Mada University, Yogyakarta. degree of Management from Prasetya Mulya Business School, Jakarta in 1996.

RUDY HUTAGALUNG SURYA KIRANA SULISTIYO KHUSNUDHON HEAD OF GOVERNMENT RELATIONS HEAD OF LEGAL / GENERAL HEAD OF LEGAL BUSINESS ADVISORY & STAFF KHUSUS CEO COUNSEL

Indonesian citizen, 54 years old. Indonesian citizen, 55 years old. Indonesian citizen, 45 years old. Has been serving as Head of Government Has been serving as Head of Legal at CIMB Has been serving as Head of Legal Business Relations and CEO Special Staff since December Niaga since May 2016. He served in various Advisory since September 2020, after previously 1, 2016. Previously, he also served as Head of positions including General Legal Counsel for serving as Legal Group Head of Corporate Government Relations since March 1, 2016. Bank Danamon Indonesia, and Legal Division Banking. He joined CIMB Niaga in September He also served as Corporate Secretary of CIMB Head of UOB Indonesia. 2015 with previous experience as a Senior Legal Niaga and concurrently as Head of Corporate Advisor at Standard Chartered Bank Indonesia, Affairs & Legal CIMB Niaga since 1 October 2013 He earned his bachelor’s degree of Law from Corporate Banking Legal Head at PT Bank OCBC and Head of Legal and Litigation CIMB Niaga and master’s degree of Law NISP and several other experiences at Citibank, (2012). from the University of Indonesia. NA Jakarta, PT Bank OCBC Indonesia, PT Bank Tbk (now PT Bank Permata Tbk) and PT He earned his PhD in Law (M&A) from American Permodalan Nasional Madani (Persero). University, , UK in 2009, Master of Business Law from the University of Minnesota, He earned his bachelor’s degree of Law and Law of School, USA in 1999 and a Bachelor of master’s degree of Business Law from Gajah Law from , Yogyakarta Mada University, Yogyakarta. in 1990.

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ARIS SUSANTA BANYON ANANTOSENO DJOJO BOENTORO HEAD OF BUSINESS PERFORMANCE HEAD OF CONSUMER COLLECTION HEAD OF CONSUMER CREDIT MANAGEMENT AND RECOVERY UNDERWRITING

Indonesian citizen, 49 years old. Indonesian citizen, 53 years old. Indonesian citizen, 54 years old. Started his career at LippoBank as Assistant Has been serving as Head of Consumer Has been serving as Head of Consumer Regional Business Head for Central in Collection and Recovery since September Credit Risk since September 2017. Previously 1995. Prior to his current position, he previously 2017. Previously he served as Group Head of he served as Head of Consumer Finance served as Sales Performance Management Unsecured Collection CIMB Niaga, Executive of Maybank Indonesia (until August 2017), Head at CIMB Niaga. Vice President of Card & Loan Processing, Fraud Member Relations Director of MasterCard and Collection Bank Mega, Senior Vice President International Inc., Indonesia (until November He earned his Bachelor of Computer Science Collection Micro Bank Danamon, Vice President 2010), Wealth Director of PT. AXA Financial degree from Duta Wacana Christian University, Collection HSBC and Citibank Assistant Vice Indonesia (until April 2008), Product Liabilities Yogyakarta. President Credit Operations. & E-Channel Division Head of Bank BII (until December 2005), Regional Office III Manager of Bank Internasional Indonesia (BII) in (until March 2002) and several other positions in BII from MDP Trainee (October 1989) He earned his bachelor’s degree in of Civil Engineering from Parahyangan University, Bandung in 1989.

BAMBANG KARSONO ADI TONI DARUSMAN LUKITO ADISUBRATA HEAD OF DIGITAL BANKING, HEAD OF MARKETING, BRAND & HEAD OF NON BRANCH CHANNEL BRANCHLESS & PARTNERSHIP CUSTOMER EXPERIENCE

Indonesian citizen, 54 years old. Indonesian citizen, 45 years old. Indonesian citizen, 45 years old. Has been serving as Head of Digital Banking, He has been holding various Brand & Marketing Prior to serving as Head of Non-Branch Channel Branchless & Partnership CIMB Niaga since positions in multinational companies across CIMB Niaga, he held senior positions as Head October 2015. He served as a specialist in industries in Indonesia, Malaysia and Hong of National Non-Branch Sales of Bank Permata, business and joined several banks Kong for more than 20 years. Prior to joining National Sales Group Head of LippoBank, and such as LippoBank, Bank Bukopin and Visa CIMB Niaga, he served as Chief Marketing Branch Manager of Citibank N.A. International. Previously he served as Head of Officer at Bank Danamon. His career started Cards & Merchant Business at CIMB Niaga from at Sampoerna for 8 years, then Coca-Cola, He earned his Bachelor of Economics from September 2012. Unilever, Heineken and Indosat prior to entering Tarumanagara University in 1997. the banking industry sector. He graduated from Faculty of Economics, majoring in Marketing Management, Trisakti University. He is the best graduate of Mechanical Engineering from Andalas University and holds a master’s degree of Science (MSc) with honors from the University of Liverpool UK.

NOVIADY WAHYUDI (DEDE) AURELIA MULYONO ROBBY MONDONG HEAD OF RETAIL PRODUCT & HEAD OF RISK CONTROL UNIT - HEAD OF SALES & DISTRIBUTION SEGMENT CONSUMER BANKING

Indonesian citizen, 47 years old. Indonesian citizen, 53 years old. Indonesian citizen, 52 years old. He joined CIMB in 2011. Previously, he was a Has been serving as Head of Risk Control He started his career at LippoBank Los Angeles senior partner in a consulting firm and started Unit of Bank CIMB Niaga since October 2019. and previously held several senior positions at his career with Citibank. Previously, she held various positions at Bank Bank Permata, LippoBank, and Citibank N.A. Permata in 2008 and her last position was the He graduated from University of Indonesia, Director of Human Capital & Risk Management He earned his MBA from Woodbury University, earned his MBA from the National University at PT Catur Sentosa Adiprana Tbk. Burbank, California, USA in 1993, and his BA of Singapore and attended the Executive from National University, San Diego, California, Leadership Program at INSEAD business school. She earned his Bachelor of Economics - USA in 1992. Accounting from Parahyangan Catholic He is responsible for all consumer products University. (deposits, wealth, insurance, mortgage, indirect auto, credit cards, and personal loans). In addition, he is also in charge of preferred banking service, workplace banking and personalization.

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PRIBADI WIJAYANTI NUGROHO ADHI WIBOWO ILVIA ARITONANG KUSUMODEWI HEAD OF HR RISK CONTROL UNIT HEAD OF HR SHARED SERVICE HEAD OF HR BUSINESS PARTNER

Indonesian citizen, 50 years old. Indonesian citizen, 36 years old. Indonesian citizen, 50 years old. Joined CIMB Niaga in May 2014 as HRBP Head Joined CIMB Niaga in 2018, and previously Has been serving as Head of HR Shared Service for Support Function (Enablers), TCM & Sharia worked at Citibank N.A. as AML - Global since April 2020. She joined CIMB Niaga in 2011 Banking. During his career in banking industry Investigator for Indonesia in 2015 - 2018. His and held several positions including Rewards for more than 20 years, she has held several experience includes working in various banks Head, HR Services Head, Personnel Services strategic Human Resources positions in HRBP, in banking industry such as Bank Maybank Head. Recruitment, Employee Relations & Governance Indonesia, Standard Chartered Bank, Bank functions at Citibank, Bank Permata, Bank Barclays Indonesia and ABN AMRO Bank. She graduated from Academy of Analytical Barclays, Bank Danamon, ABN AMRO and GE Chemistry in Bogor. Money (financial institutions - non-bank). He graduated from Gajah Mada University, Yogyakarta with a degree in Economics. She earned his bachelor’s degree from University of Indonesia.

NORA JOICE KIMBAL SOLIHIN HAKIEKIE ERIC GUNAWAN KOSASIH HEAD OF LEARNING & HEAD OF ORGANIZATION DEVELOPMENT, HEAD OF PERFORMANCE, HR DEVELOPMENT TALENT & EMPLOYEE RELATION STRATEGY & ANALYTICS

Indonesian citizen, 50 years old. Indonesian citizen, 41 years old. Indonesian citizen, 50 years old. Joined CIMB Niaga in July 2014 as Customer Joined CIMB Niaga in December 2018, and Joined CIMB Niaga in September 2019 as Experience Program & Improvement Head. is currently serving as Head of Organization Head of Learning & Development at Human Prior to serving as Head of Learning and Development, Talent & Employee Relations. Resources Directorate. Prior to joining CIMB Development in July 2020, she held several Prior to joining CIMB Niaga, he served as Head Niaga, he served at as Senior positions at CIMB Niaga, including Learning of HR Center of Excellence at Commonwealth HR Officer, PT Bank Danamon Tbk as EVP Intervention Head and CX Strategy and Bank in 2018, having previously worked at Talent, Learning and Rewards, PT Bank CIMB Performance Head. Toyota Astra Financial Service since 2009 and Niaga Tbk as SVP & Head of Learning & Talent SCTV since 2005. Development and PT Bank HSBC Indonesia as She earned her bachelor’s degree from Udayana SVP Resource Planning, Policy, Analytics and University, Bali. He graduated from PPM Management College Talent Management. with a master’s degree of Management and Parahyangan Catholic University with a He graduated from Petrochemical Engineering, bachelor’s degree of Social and Political Science. University of Indonesia in 1995.

LIVIA SUTANTO AFFIANTI SUWITA JEFFRY KUSNADI HEAD OF REWARDS HEAD OF TALENT ACQUISITION HEAD OF INFORMATION TECHNOLOGY SECURITY

Indonesian citizen, 39 years old. Indonesian citizen, 42 years old. Indonesian citizen, 39 years old. She has been serving as Head of Rewards since Prior to serving as Head of Talent Acquisition in Joined CIMB Niaga and has been leading September 2020. Her previous experiences April 2020, she served as HR Business Partner Information Technology Security unit since include Head of Compensation of PT SMART Head of CIMB Niaga 2018-2020 and previously July 2017 with previous experience as Senior Tbk, Compensation and Benefit Head of CIMB at PT SMART Tbk as Lead HR Business Partner Manager in Risk and Control Solution at Niaga, and Reward Information Services Operations, and at PT HM Sampoerna Tbk with PricewaterhouseCoopers. In addition, he Consultant at Hay Group. last position as HR Business Partner Operations. previously served at Bank Bumi Arta as head of IT division from 2007-2011. She completed her education in Computer She earned his bachelor’s degree of Computer Science and earned her bachelor’s degree from Science from Trisakti University Jakarta and He is a graduate of Bina Nusantara University, Inti College. attended several trainings in 2020, including Jakarta and is a certified CISA (Certified Risk Management Certification Program & Information System Auditor), and ISO27001 Digital-Data-Design as Key Differentiator. Lead Auditor.

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MAGDALENA ALBERT SUHANDINATA YENNY SISWANTO HEAD OF OIT OFFICE, COST HEAD OF CONSUMER BANKING HEAD OF INFORMATION MANAGEMENT, & ANALYTICS OPERATIONS TECHNOLOGY

Indonesian citizen, 41 years old. Indonesian citizen, 43 years old. Indonesian citizen, 46 years old. Joined CIMB Niaga in July 2010 and has He is currently serving as Head of Consumer Prior to serving as Head of Information been serving as Head of OIT Office, Cost Banking Operations. Previously he worked at Technology since 2016, she served as Head Management & Analytics starting September Citibank for 6 years, Bank Barclays Indonesia of Technology Infrastructure at CIMB Niaga. 2020. Her previous career history includes Bank for 2 years, Commonwealth Bank for 2.5 years, Previously, she served as Head of Technology International Indonesia, Citibank, and Allianz ICBC for 2.5 years, and Bank Ganesha as Infrastructure Management at PT Maybank Life Indonesia. Director of IT and Operations for 1.5 years. Bank International Indonesia and Country Technology Head at Citibank N.A. She earned his Bachelor of Economics from He earned his Bachelor of Finance from Parahyangan University, Bandung. California State Polytechnic University, Pomona She earned Bachelor of Business degree from and an MBA from Loyola Marymount University. Edith Cowan University in 1995.

JOSEPHINE MERCY ARI PRIAMSARI TAJINDRA PAL SINGH HEAD OF WHOLESALE BANKING HEAD OF OIT RISK CONTROL UNIT & OPERATIONS & SHARED SERVICES CENTER STRATEGIC RISK ANALYTICS

Indonesian citizen, 49 years old. Indonesian citizen, 45 years old. She is currently serving as Head of Wholesale Joined CIMB Niaga and is currently serving as Banking Operations & Shared Services Center. Head of OIT Risk Control Unit & Strategic Risk She joined CIMB Niaga in September 2011. Analytics since September 2020. Previously, Previously, she served as Head of Central he served as SVP Service Excellence at PT Processing Center Head at Maybank Indonesia Aplikasi Anak Bangsa (), and had 15 years - Bank Internasional Indonesia from 2005 to experience at Citibank, with last position as 2011 and served at Citibank NA and Citicorp Credit Operations and Technology Director in Securities Indonesia (1997 - 2005). 2019. She earned his Bachelor of Economics from He earned Bachelor of Science and Master of Gajah Mada University, Yogyakarta. Science from Michigan State University.

HENRY SAWALI I GUSTI NGURAH DWI SAPTA WAHDINIE MUSMAR HEAD OF COMMERCIAL BANKING HEAD OF NON RETAIL CREDIT HEAD OF NON - RETAIL CREDIT & SME CREDIT ADMINISTRATION POLICY AND ASSURANCE TESTING

Indonesian citizen, 52 years old. Indonesian citizen, 46 years old. Indonesian citizen, 49 years old. He joined CIMB Niaga in February 2017. He held Joined CIMB Niaga in October 2018 and She has been serving as Head of Non-Retail several positions during his 28-year professional prior to serving as Head of Non Retail Credit Credit Policy and Assurance Testing and joined experience in various banks such as Bank Administration of CIMB Niaga, he had 20 years CIMB Niaga since January 2016. Her career LTCB Central Asia, Bank ANZ Indonesia, Bank of experience in the banking industry, starting has covered all business segments in banking, Permata, Bank Danamon and most recently with serving as CRU Manager at Standard by holding various positions including Credit Bank OCBC NISP as Head of Corporate Banking Chartered Bank (1998-2004) then serving Approver at Standard Chartered Bank and ABN Credit. as Credit Control Unit Head at PT Bank DBS AMRO Bank. Indonesia (2004 - 2007), Head of Credit Control He earned his Bachelor of Science majoring in Unit at PT Bank Danamon Indonesia Tbk (2007 She earned Bachelor of Economics Finance from the California State University of - 2015) and Head of Credit Risk Control at majoring in Financial Management from Fresno and Master of Business Administration Standard Chartered Bank. Padjajaran University, Bandung and an MBA from the National University of San Diego. in International Trade from Texas A&M He earned his Bachelor of Engineering degree International University, USA. from Trisakti University, Jakarta.

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TJAHJADI YAPETER JULIUS WIANTARA TJHIOE KOEI HWEI LIEN HEAD OF WHOLESALE BANKING HEAD OF OPERATIONAL RISK HEAD OF RETAIL CREDIT RISK CREDIT MANAGEMENT MANAGEMENT

Indonesian citizen, 52 years old. Indonesian citizen, 54 years old. Indonesian citizen, 47 years old. Has been serving as Head of Wholesale Banking Has been serving CIMB Niaga since 2015 as Has been serving as Head of Retail Credit Risk Credit CIMB Niaga since November 2012. Head of Operational Risk Management (ORM). Management at CIMB Niaga since May 2015. Previously, he served at Bank BCA as Head of Previously he served at Citibank N.A. Indonesia She started his career at GE Finance Indonesia Structured and Project Finance and at Bank as Head of ORM (2012 - 2014), Bank DBS prior to eventually exploring retail risk HSBC as Head of Credit Approval Unit. Indonesia as Head of ORM (2007 - 2011) and management and holding the position as Credit Head of Internal Audit (1999 - 2007) and in Policy & Risk Analytic Head at ABN AMRO/RBS, He earned his Bachelor of Science from several banks as Head of Internal Audit. Standard Chartered Bank and Bank Danamon. the Faculty of Industrial Engineering and Management of Oklahoma State University, He earned his Bachelor of Economics in 1992 She earned his Bachelor of Economics from United States. in Finance and Accounting from Macquarie Atma Jaya Yogyakarta University and Master of University, New South Wales, Australia. Management from Prasetiya Mulya.

YULIUS SETIAWAN RAYMOND DAS BUNG ALDILLA HEAD OF RISK ANALYTICS & HEAD OF RISK CONTROL UNIT - HEAD OF SHARIA CONSUMER INFRASTRUCTURE SHARIA BANKING

Indonesian citizen, 52 years old. Indonesian citizen, 56 years old. Indonesian citizen, 48 years old. Joined CIMB Niaga in March 2015 as Head Has been serving as Head of Risk Control Unit - Joined CIMB Niaga on 8 October 2018 and has of Risk Analytics & Infrastructure at Risk Banking starting September 2020. He has held been serving as Head of Consumer effective 1 Management Directorate. Previously he held several positions at CIMB Niaga since joining in August 2019. He is responsible for Consumer senior positions as Wholesale Credit Audit and August 2004, including Sharia Risk Control Unit and reports to the Director of Banking. Analytic at Bank Danamon (2006 - 2015) and Head, Treasury Office & Risk Analytics Head BCA (1992 - 2006). (2010-2016), Asset & Liability Management He graduated from Gunadarma University with Head (2005-2010) and Market Risk Management a bachelor’s degree of of Computer Science. He earned his MBA degree from PSBA - Manila Head (2005). Prior to CIMB Niaga, he worked at in 1997 and bachelor’s degree from Bogor the Indonesian Banking Restructuring Agency Agricultural Institute in 1992. as Treasury Risk Management Group Head (1999-2004). He graduated from Faculty of Economics, University of Indonesia with a bachelor’s degree of Economics. He attended Bank Staff & Leadership School (SESPIPANK) -LPPI and obtained a Level IV Certified Risk Management.

HOTAMAWATY AHMAD NASIHI ULIL AMRI PASKALINA PN SINGARA HEAD OF SHARIA PRODUCT, BUSINESS HEAD OF SHARIA STRATEGY HEAD OF FORECLOSED ASSET & PROCESS & BUSINESS ANALYTICS BUSINESS PLANNING

Indonesian citizen, 47 years old. Indonesian citizen, 46 years old. Indonesian citizen, 46 years old. She has 23 years of experience in banking Joined CIMB Niaga in 2004 and is currently Has been serving as Head of Foreclosed Asset industry, the last 16 years of which include serving as Head of Sharia Strategy. During his & Business Planning since June 2020, after Islamic banking sector. She started her career career at CIMB Niaga, he held several positions previously serving as Head of Credit Office & with Management Trainee (1997) at Bank BNI including Strategy & Investor Relations Head Asset Disposal CIMB Niaga since July 2019. She and worked as an Accounting Officer, prior to in 2018 and Corporate Planning Management joined CIMB Niaga in January 2012. joining CIMB Niaga - Sharia Business Unit in April Head in 2014. He has also gained experiences 2004. She has been serving as Head of Sharia in conducting mergers and acquisitions, as She earned his Bachelor of Industrial Product, Business Process & Business Analytics well as leading projects at CIMB Niaga such as Engineering from National Development since 2020 and has held various positions during Islamic Bond (SUKUK) Issuance, Syariah Aceh University and Master of Business her career at CIMB Niaga, including as Branchless Branch Conversion and T18 Project. Previously, Administration in Finance from Trisakti Banking & Sharia Non Retail Product Head, he served at Maxima Resources, American University. Sharia Product & Business Process Head, Sharia International Group (AIG) and Lippo Life Financial Management & Analytics Head, and MIS Bancassurance. & Sharia Reporting Head. He earned his bachelor’s degree from University She earned her master’s degree in Management of Jember and worked as a lecturer at the (Strategic Finance) from Paramadina Post University of Indonesia in 2006-2008. Graduate School of Business and her bachelor’s degree of Economics (majoring in Accounting) from Padjadjaran University. She also obtained Sharia Accounting Certification from Indonesian Institute of Accountants.

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LENA SUHERMAN ONIHANA ROY BAHREN SIREGAR HEAD OF LOAN WORKOUT – HEAD OF LOAN WORKOUT – HEAD OF ASSET LIABILITY COMMERCIAL BANKING & MSME CORPORATE BANKING MANAGEMENT

Indonesian citizen, 53 years old. Indonesian citizen, 51 years old. Indonesian citizen, 40 years old. Joined CIMB Niaga in July 2015. She started He has been serving as Head of Loan Workout Started his career as a Management Trainee for her career at Bank Permata (formerly Bank for Corporate Banking at CIMB Niaga since July the Executive Education Program at Bank Niaga Bali), in 1991-2010, with last position as Head 2017. He handled loan recovery starting in 2006 in 2004 and has been currently serving as Head of Special Asset Management. Prior to joining at Commonwealth Bank and most recently of Asset Liability Management since September CIMB Niaga, she served as the Head of Special at HSBC as Head of Loan Management Unit 1, 2020. He previously served as Asset Liability Asset Management at Bank UOB Indonesia starting in 2010. Prior to that, he served for 10 Management Head, Asset Liability Coordinator (2010-2015). years in . and Division Head of Bank Products, FTP & Hedging. She earned his Bachelor of Economics from He earned his Bachelor of Economics from Atma Jaya Yogyakarta University in 1991. Tarumanagara University in 1993. He earned his MBA from Gajah Mada University and Bachelor of Economics from Padjadjaran University.

SANTORI MALINTON ANTON HERMAWAN HELEN MARIS HEAD OF DATA MANAGEMENT HEAD OF DIGITAL BUSINESS HEAD OF FINANCE DEVELOPMENT

Indonesian citizen, 48 years old. Indonesian citizen, 51 years old. Indonesian citizen, 45 years old. Joined CIMB Niaga and has been serving as Has been serving as Head of Digital Business Has been serving as Head of Finance since Head of Data Management since January 2020. Development since 2018. Prior to joining CIMB November 2019 after previously holding the Previously, he had a career at HSBC Indonesia Niaga, he served as Digital Banking Group position as Head of Business Planning and as SVP IT Data Management since 2018. He has Head at Bank Sinarmas (2017-2018), Head of Network Management - Consumer Bank since gained experiences and served in various roles E-Channel at Bank Permata (2009-2017) and July 2016. Starting her career as a Management and responsibilities in Technology Risk and several positions at Bank BCA from 1996 to Associate at Citibank Indonesia, then she Audit at the Commonwealth Bank of Australia 2008. was rotated in various countries with various Group (Australia and New Zealand) in 2010- positions as Financial Planning and Analysis 2018, Ernst & Young (Australia) in 2007-2010 He earned his master’s degree of Management Head, Consumer Bank HR Generalist Head and and PricewaterhouseCoopers, Jakarta. from the University of Indonesia and bachelor’s Chief of Staff. degree from Bandung Institute of Technology. He earned his bachelor’s degree from Bina She earned her Bachelor of Business and Nusantara University. Master of Business in Finance from University of Technology, Sydney, Australia

RIA YOHANITA NICKO VIRANICKO WASKIN HEAD OF OPERATIONAL HEAD OF RISK CONTROL UNIT - HEAD OF STRATEGIC PROCUREMENT & ACCOUNTING STRATEGY, FINANCE & SPAPM ADMIN PROPERTY MANAGEMENT/SPAPM

Indonesian citizen, 41 years old. Indonesian citizen, 44 years old. Indonesian citizen, 53 years old. Has been serving as Head of Operational Has been serving as Head of Risk Control Unit Has been serving as Head of Strategic Accounting at Bank CIMB Niaga since June 2017. since September 2020, after previously serving Procurement & Admin Property Management She has gained experiences in banking industry as Risk Control Unit Head since 2017. CIMB Niaga since October 2018. Previously, he for more than 12 years starting with Supervisor served at CIMB Niaga as Group Head of Project and Assistant Manager, Finance & Accounting He earned his bachelor’s degree of Business Development & Integration Management, Department at PT ANZ Panin Bank (2004 - 2009), and Management from Slippery Rock University, at Bank Permata as Group Head of Data then Head of Project & Development, Finance United States. Quality & Strategic Information Management, & Accounting Department at PT Bank UOB at CIMB Niaga as Division Head Information Indonesia (year 2011 - 2013), Head of FTP Policy Management, at Panin Bank as Head of IT & Framework, Central Treasury Unit at PT Bank Security & Core Banking Implementation, at UOB Indonesia (2013 - 2016) before finally Bank Bali as IT Development. joining PT Bank CIMB Niaga as Risk Control Unit Head in Strategy & Finance directorate in 2016. He earned his bachelor’s degree of Information Management from Faculty of Computer Science, She earned her Bachelor of Commerce (B. Gunadarma University, Depok, West Java, Com) in Finance & Financial Management Indonesia and his post graduate degree in Services and Master of Commerce (M. Com) in Sharia Business Management from Faculty of Accounting & Finance from University of New Economics, Tazkia Institute, Sentul Bogor, West South Wales - Sydney. Java, Indonesia

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SAUT PARULIAN SARAGIH IWAN PUJIHARTO FAISAL ASWIN TAMBAYONG HEAD OF STRATEGY, INVESTOR HEAD OF TAX MANAGEMENT HEAD OF TRANSFORMATION RELATION & PARTNERSHIP

Indonesian citizen, 46 years old. Indonesian citizen, 53 years old. Indonesian citizen, 56 years old. Joined CIMB Niaga as Head of Strategy in 2019 Joined CIMB Niaga in April 2013 and is currently Has been serving as Head of Transformation and has been serving as Head of Strategy, serving as Head of Tax Management. He had in 2020 after previously serving as Head of Investor Relations & Partnership since 2020. a career at Bank Permata (2006-2013) with Commercial Banking (2015-2019) and Head of Previously he had more than 20 years of last position as Head of Tax. He also had Business Product and Strategic Development experience serving in various companies and experiences as a Tax Consultant at Ernst & since January 2013. He previously held senior industries including Unilever, AT Kearney, Young (2001-2006) and Arthur Andersen (1998- positions at ABN AMRO and ANZ Indonesia as Standard Chartered Bank, Bank Permata, 2001). Head of Business Banking. Sampoerna Agro, Sampoerna Strategic, and OVO. He is a graduate of STIE Perbanas with a He earned his Bachelor of Law from Sebelas Bachelor of Economics and is currently a Maret University, Solo, Indonesia and attended He earned his MBA from the London Business member of Tax Committee of National Bank the Bank Niaga Executive Education Program School - United Kingdom and a Bachelor of Association (Perbanas) in 1990. Engineering degree (Cum Laude) from Industrial Engineering Department - Bandung Institute of Technology.

ERIC AUGIE SAPUTRA PATRICIA HENDRAWIRAWAN FURIYANTO HEAD OF TRANSFORMATION HEAD OF BUSINESS STRATEGY & HEAD OF SECURITIES SERVICES SUPPORT

Indonesian citizen, 41 years old. Indonesian citizen, 40 years old. Indonesian citizen, 53 years old. Has been serving as Head of Transformation Joined CIMB Niaga in June 2013 and served Has been serving as Head of Securities Services since 2020 and previously served as Head of in various roles including Sales Management CIMB Niaga since September 2016. He started Customer Journey CIMB Niaga since 2019. Head, Segmentation Strategy Head, Strategic his career at CIMB Niaga in 1991, then moved Prior to that, he has gained a total of 8 years Planning & Performance Management Head, to have a career at IBRA and later rejoined CIMB of experience working in Malaysia as Director, and Business Strategy & Support Head since Niaga again in 2003. Retail Risk Analytic Head & Regional Risk Head February 2018. She also had a career at for Auto & Personal Loan Products at CIMB Asuransi AXA Indonesia as Head of Strategic He earned his Bachelor of Mathematics from Group, and at Standard Chartered Malaysia Planning & Development, Bank ICBC Indonesia Gajah Mada University and Master of Financial Bank Berhad as Senior Manager, Risk Analytic and Bank UOB Buana. Management from a state university in for Consumer Banking. Previously, he began Indonesia. his career at Astra Credit Companies and held She earned her Master of Management from various senior positions in the Credit Risk sector University of Indonesia with Cum Laude and for 10 years. Bachelor of Economics from Tarumanagara University Jakarta. He earned his bachelor’s degree of Industrial Engineering from Bandung Institute of Technology.

JONI HERMANTO AMIR MIRZA FERDINAND RENALDI HEAD OF TRANSACTION BANKING HEAD OF TRANSACTION BANKING WAWOLUMAYA COMMERCIAL SALES & TRADE PRODUCT CORPORATE & FI SALES, AND CASH PRODUCT HEAD OF TRADING & STRUCTURING

Indonesian citizen, 44 years old. Indonesian citizen, 47 years old. Indonesian citizen, 39 years old. Has been serving as Head of Transaction Has been serving as Head of Transaction Prior to serving as Head of Trading & Banking Commercial Sales & Trade Products Banking Corporate & FI Sales and Cash Products Structuring, he had held several positions at at Transaction Banking Directorate effective starting March 2020 after previously serving CIMB Niaga, including among others Trading & March 1, 2020. He previously worked at PT Bank as Head of Cash Management. He started his Restructuting Head, Rate & Structuring Head. He Danamon Indonesia Tbk as Financial Institution banking career and served in senior positions at has gained experiences in Treasury since 2004. Head and Acting Regional Transaction Banking AG Jakarta, prior to finally joining Sales Head & Trade Sales Head, PT Bank HSBC Bank CIMB Niaga in November 2009. He earned his Bachelor of Science degree from Indonesia as Senior Business Development National University of Singapore. Manager and PT Bank Commonwealth He earned his bachelor’s degree of Industrial Indonesia as Head of Global Trade and Engineering from Bandung Institute of Transaction Services. Technology. He graduated from Department of Financial Management, Trisakti University in 1999.

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AULIA MOCHTAR HERNAMAN TANDIANTO JULIANA HEAD OF MONEY MARKET & HEAD OF TREASURY DISTRIBUTION HEAD OF PRIVATE BANKING FUNDING – TREASURY

Indonesian citizen, 55 years old. Indonesian citizen, 42 years old. Indonesian citizen, 46 years old. Joined CIMB Niaga in 2006, as Trading Desk Has been serving as Head of Treasury Has been serving as Head of Private Banking Head and served as Funding & Gapping Group Distribution of CIMB Niaga since 2018. at the Treasury and Capital Market Directorate Head since 2009. He started his banking career Previously, he has gained 18 years of work effective December 16, 2019. She started at several local banks and Japanese banks. experience in banking industry with 15 years her career in banking industry in 1998 at of which in Treasury Sales both in foreign and Citibank, NA Indonesia. Prior to joining CIMB He earned his Bachelor of Computer Science local banks, and in all customer segments both Niaga, she served in several Private Banking from Embry Riddle Aeronautical University, corporate and retail customers. He has gained sectors including Bank LGT Ltd. Singapore as Daytona Beach - Florida USA. experiences and certifications in a variety of Director-Private Banker, PT Julius Baer Advisors products from plain vanilla, derivatives and Indonesia and Bank Julius Baer & Co. Ltd., structured products. Singapore as Director-Senior Client Advisors, Standard Chartered Private Bank, Singapore He earned his MM degree from Gajah Mada and American Express Private Bank, Jakarta. University and bachelor’s degree in Civil Engineering from Atma Jaya University. She graduated from Department of Economics, Parahyangan Catholic University in 1997.

SJARIF HARTADY GUNAWAN AGUS SETIONO I WAYAN ARIESTA WINARSA HEAD OF TREASURY SALES HEAD OF TREASURY ISLAMIC HEAD OF SERVICE & DELIVERY

Indonesian citizen, 50 years old. Indonesian citizen, 42 years old. Indonesian citizen, 46 years old. Prior to serving as Head of Treasury Sales, he Has been serving as Head of Treasury Islamic Has been serving as Head of Service & Delivery served as Risk Advisory & Institutional Sales since October 1, 2020 after previously serving starting October 2020 and previously served Group Head and Derivative Sales & Structuring as Treasury Islamic Head from 2013. He joined as Application & Documentation Head. Prior to Head at CIMB Niaga since October 2011. He has CIMB Niaga in Executive Development Program that, he served at Bank BII, American Expersess specialized in Treasury and Capital Market since in 2004. Bank, and , then at Deutsche Bank 2001 at Standard Chartered Bank, Citibank and (2005-2010) as Client Service & Implementation most recently at OCBC NISP as Head of Risk He earned his Master of Management Manager under Account Management & Service, Advisory Workgroup since 2009. from University of Indonesia and Bachelor Global Transaction Banking Indonesia of Engineering from Bandung Institute of He earned double degrees in Bachelor of Technology. He earned his Bachelor of Engineering Banking and Finance/Bachelor of Social Art from degree from National Institute of Science Monash University, Australia in 1995. and Technology majoring in Civil Engineering and had also participated in the Middle Management Development Program in Malaysia.

DANIEL EDISON HUTAPEA HADI SOEDARSO DIVA MAHDI HEAD OF TREASURY RISK ANALYTICS HEAD OF CREDIT RELATED RCU HEAD OF MARKET RISK MANAGEMENT & RCU & MODEL VALIDATION

Indonesian citizen, 49 years old. Indonesian citizen, 52 years old. Indonesian citizen, 38 years old. Has been serving as Head of Treasury Risk Started his career at Bank Niaga in November Joined CIMB Niaga in August 2013 as Market Analytics & RCU since 2017. He started his 1995 and during his career, he held various Risk Management Head. Previously, he served banking career as an Account Officer at Bank roles including Value Chain & Business Synergy as Market Risk Head at Bank OCBC NISP in Niaga in 1997 with last position as Relationship Head, Corporate Business Group Head, Project 2010-2013, Trading Risk Head at Bank Danamon Manager of Financial Institutions from 2000 to Management Support Head. in 2008-2010 and Treasury Risk Analyst at Bank 2008. He also served as Credit & Operational of -Mitsubishi UFJ in 2003-2008. Risk Analytics Head at CIMB Niaga since 2008. He graduated from University of Indonesia with an SSI degree. He completed his education at Hogeschool He earned his Bachelor of Economics in ‘s-Hertogenbosch, the Netherlands majoring in Accounting from Padjajaran University, Civil Engineering. Bandung in 1995

115 CIMB NIAGA ANNUAL REPORT 2020 Performance Management Company Management Discussion Risk Highlights Reports Profile and Analysis Management

SANDI MARUTO BANAR GRATIANUS YUNIARTA ELISA GUNAWAN HEAD OF ALM RISK HEAD OF AUDIT - BUSINESS BANKING & HEAD OF AUDIT – ENABLERS CONSUMER BANKING

Indonesian citizen, 40 years old. Indonesian citizen, 47 years old. Indonesian citizen, 31 years old. Prior to joining CIMB Niaga in February 2015 Joined CIMB Niaga in January 2018 as Head of Started her career as an External Auditor at serving as ALM Risk Group Head, he had a Business Banking & Consumer Banking Audit KAP Tanudiredja, Wibisana, Rintis & Rekan career at Standard Chartered Bank as Country with working experiences at Accenture, BV Risk (PricewaterhouseCoopers Indonesia - PwC Head of Market & Liquidity Risk in 2015. He also Management division for Indonesia) in 2010. She joined CIMB Niaga as served as Head of Analytics & Policy at Bank based in Amsterdam, the Netherlands since Segment Head Audit in September 2018 and is Danamon in 2011. 2011. Previously, he worked at Royal Bank of currently serving as Head of Audit - Enablers. Scotland (RBS) Jakarta as Deputy Head of Global He obtained Financial Risk Manager (FRM) Network Banking, and ABN Amro Bank, NV as She earned her Bachelor of Economics from certification from the Global Association of Risk APAC regional audit manager in Jakarta (2005). Tarumanagara University, and obtained the Professionals (GARP), graduated from PPM His banking career began with the Asia Pacific following certifications including Certified Public School of Management with a degree in Master Management Trainee program for ABN AMRO Accountant (CPA Indonesia) from Indonesian of Management and earned Bachelor of Civil Bank Asia Pacific (2000). Institute of Certified Public Accountants (IAPI), Engineering degree from Bandung Institute of ASEAN Chartered Professional Accountant Technology. He earned his Bachelor of Economics from (ASEAN CPA), certified Risk Management (BSMR) Atma Jaya University, a Research Diploma from level 4, and certified Business Analytics: From Universitaet Innsbruck, Austria, and Master of Data to Insights from The Wharton School - Science from Rijksuniversiteit Groningen, the University of Pennsylvania. Netherlands.

HARTONO AGUS LYDIYA WIDJAJA SUDONO SALIM HEAD OF AUDIT – IT HEAD OF AUDIT - OPERATION, HEAD OF AUDIT - PROFESSIONAL SYARIAH & S&D PRACTICES

Indonesian citizen, 46 years old. Indonesian citizen, 45 years old. Indonesian citizen, 35 years old. Started his career at CIMB Niaga in 2010 as IT Joined CIMB Niaga in July 2018 as Audit Segment Joined CIMB Niaga in July 2020 as Audit Segment Audit Head, with experience as IT Audit Head Head. Previously, he served as Audit Head Head and is currently serving as Head of Audit at Bank Danamon. He worked at Schlumberger at Bank OCBC NISP (2007-2018) and started - Professional Practices. He worked at PwC (2001-2003) and PricewaterhouseCoopers her career at Bank BCA (1996-2007) with last Indonesia (2007-2013; 2015-2020), PwC USA - (1996-2007). position as Senior Auditor. New York Office (2013-2015), and EY Indonesia (2007). He earned his Bachelor of Technology She earned her Master of Management and a (Computer Studies) from Monash University. Bachelor of Economics from Unika Atma Jaya. He obtained his Accountant certification from University of Indonesia and Bachelor of Economics from the .

ALBERT AGUSTIUS SYAMSUL AIDI BACHTIAR HEAD OF AUDIT - TB, RISK HEAD OF ADVISORY & LEGAL MANAGEMENT, TREASURY & PRODUCT

Indonesian citizen, 37 years old. Indonesian citizen, 47 years old. Started his career as Internal Auditor at Bank Joined CIMB Niaga in February 2013 as Syariah BCA in 2006 and later Citibank APAC EMEA Advisory Head. Previously, he had a career at Consumer Audit Team in 2011. He joined CIMB Bank Syariah Mandiri (2002-2013) with last Niaga in May 2020. position as Branch Manager. He earned his Bachelor of Economics from He earned his Master of Management from University of Indonesia. National University of Malaysia and Bachelor of Sharia Law from Al Azhar University, Cairo.

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