Management Discussion Performance Highlights Management Reports Company Profile and Analysis Risk Management Senior Executives Profiles Antonius Gunadi Rusly Johannes Chief Audit Executive Chief of Corporate Banking Indonesian citizen, 44 years of age. Indonesian citizen, 49 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. He held various positions at ABN AMRO began his career as an auditor at the Bank Indonesia, Deutsche Securities public accounting firm of Coopers Inc. New York, and Rabobank & Lybrand, KPMG, and Ernst & Indonesia. Young prior to entering the banking industry when he became Head of Prior to joining CIMB Niaga, he Internal Audit at ABN Amro Bank served as Managing Director, Local Indonesia, Barclays Indonesia, and Corporate Unit, Corporate and Bank Internasional Indonesia. Prior to joining CIMB Niaga, he served Investment Banking at Citibank Indonesia. He completed his MBA as Audit Director at Citibank and was responsible for audit activities program from The Anderson School, UCLA and Bachelor of Business in Indonesia and several other countries in Asia and EMEA. He holds Administration program from The University of Texas (Austin). 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). In addition, he is active in the internal audit profession organization for banking industry in Indonesia named Ikatan Audit Intern Bank (IAIB). Budiman Poedjirahardjo Sukarman Omar Chief of Corporate Strategic Initiatives Chief of Micro and SME Banking Indonesian citizen, 53 years old. Indonesian citizen, 60 years of age. Joined CIMB Niaga in January 2010. Has served as Chief of SME Banking Leading and building the Credit at CIMB Niaga since November 2013. Card, Debit Card, and Merchant Acquiring Businesses. He then served Previously, he held various key as Head of Branch & Branchless positions at Bank Permata, Banking, expanding the distribution commencing in 1986 and most of branches and building the Digital recently served as Head of SME at Banking Platform for CIMB Niaga, Bank Permata. He graduated from He is currently the Chief of Corporate the University of Ryama, Medan. Strategic Initiatives at CIMB Niaga since 1 October, 2015. Prior to CIMB Niaga, he was the Head of Lending at Bank Permata (2008-2010), Director of Consumer 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. Gregory Hendra Lembong Chief Transformation Officer Indonesian citizen, 47 years of age and serves as Chief Transformation Officer on January 2019 as previously served as Chief of Transaction Banking CIMB Niaga and Chief of Fintech in CIMB Group. 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. 668 Annual Report CIMB NIAGA 2018 Supporting Corporate Governance Corporate Social Others Consolidated Business Review Report Responsibility Corporate Data Financial Report Adrian Panggabean Amir Mirza Chief Economist, Treasury Head of Cash Management and Capital Market Indonesian citizen, 45 years of age. Indonesian citizen, 52 years of age. Started his banking career and held Chief Economist at Bank CIMB Niaga senior positions at Deutsche Bank since October 2016. He spent half of AG Jakarta, before finally joining his career overseas. Adrian began his Bank CIMB Niaga in November career as a lecturer at the Faculty of 2009. He holds a Bachelor’s Degree Economics, University of Indonesia, in Industrial Engineering from and as a visiting professor in Public Bandung Institute of Technology. finance at KIMEP (Kazakhstan), He 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 Minister’s Office, Brunei Darussalam. Upon his return to Indonesia, Dr. 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. Agus Wicaksono Andrew Suhandinata Head of Corporate Client Solutions Deputy Chief of Transaction Banking Indonesian citizen, 44 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 as Started his career, holding various President Director of PT Deutsche senior positions at HSBC Bank, OCBC Securities Indonesia (2010-2013) (an NISP, with his last position being at affiliation of Deutsche Bank), Director Maybank Indonesia as Executive Vice of PT Standard Chartered Securities President of Transaction Banking. Indonesia from 2004 to 2010 (an He holds a Master of Science in affiliation of Standard Chartered Business Administration Degree Bank), Vice President of Investment from the California State Polytechnic Banking at PT Trimegah Securities University, USA. Tbk (2000-2004), Chief Accountant at PT Dowell Anadrill Schlumberger (1999-2000) and Financial Analyst at PT Astra International Tbk (1997- 1999). He obtained a Bachelor’s Degree in Accounting from the Faculty of Economy of the University of Indonesia in 1997. Albert Suhandinata Anton Hermawan Head of Consumer Banking Operations Head of Digital Business Development Indonesian citizen, 42 years of Indonesia citizen, 50 years of age. age. Serves as Head of Consumer He has served as Head of Digital Banking Operations at CIMB Niaga. Business Development of CIMB He previously worked at Citibank Niaga since 2018. for 6 years, Bank Barclays Indonesia for 2 years, Commonwealth Bank Prior to joining CIMB Niaga, his last for 2.5 years, ICBC for 2.5 years, and position is group head of digital Bank Ganesha as Director of IT and banking in PT. Bank Sinarmas Operations for 1.5 years. Tbk, 8 years as head of business transformation in Permata Bank, Tbk He holds a Bachelor’s Degree in and more than 13 years as bureau Finance from California State Polytechnic University, Pomona and an head at Operation center division Bank Central Asia. MBA from Loyola Marymount University He holds a master degree in magister management from University Indonesia and bachelor of science in Physics from Bandung Institute of technology. Annual Report CIMB NIAGA 2018 669 Management Discussion Performance Highlights Management Reports Company Profile and Analysis Risk Management Senior Executives Profiles Antonius Sukriswanto Banyon Anantoseno Head of Anti Fraud Management Head of Consumer Collection & Recovery Indonesian citizen, 55 years of age. Head of Anti Fraud Management at Indonesian citizen, 52 years of age. CIMB Niaga since 2011. Head of Consumer Collection and Recovery at CIMB Niaga since Has extensive experience in September 2017. operations, audit, and operational risk management, and during the He previously held the position of period 2008 - 2011 served as Head Group Head of Unsecured Collection of Operational Risk Management at CIMB Niaga, Executive Vice at OCBC NISP, Barclays Indonesia, President of Card & Loan Processing, and Bank Ekonomi Rahardja (HSBC Fraud and Collection at Bank Mega, Group). Holds a degree in Political Science and International Relations Senior Vice President of Micro Collection at Bank Danamon, Vice from Gadjah Mada University Yogyakarta, INSEAD Senior Leadership President of Collection of HSBC, and Assistant Vice President of Credit Program Singapore - France, as well as following various training Operation at Citibank. programs on banking and management. He holds a Bachelor degree in Economics Management from Airlangga University, Surabaya. Aulia Mochtar Budiman Tanjung Head of Money Market Head of Retail Banking Product & Funding - Treasury An Indonesian citizen, with a career Indonesian citizen, 53 years of age. of more than 20 years in the banking Has worked at Bank CIMB Niaga industry. Currently, he has been since 2006 as Head of Trading Desk serving as the Head of Retail Banking and became Funding & Gapping Product at CIMB Niaga since October Group Head in 2009. He began his 2015. banking career in several domestic and Japanese banks. Previously, he served as the Head of Consumer Banking at PT Bank DBS He holds a Bachelor’s Degree in Indonesia (2005-2009). Computer Science from Embry Riddle Aeronautical University, Daytona Beach - Florida USA He earned his Bachelor’s Degree in Business & Administration from the University of Bath, England in 1996. Bambang Karsono Adi Cecilia Ninik Martini Head of Digital Banking, Branchless & Head of Jateng Commercial Banking Partnership Indonesian citizen, 53 years of age. Indonesian citizen, 51 years of Head of Commercial Banking III. age. Has served as Head of Digital Joined CIMB Niaga in 1989 through Banking, Branchless & Partnership the Executive Education Program at CIMB Niaga since October 2015. after earning a Bachelor’s Degree Specialist in the credit card business in Accounting from Parahyangan and has worked at several banks University Bandung. such as LippoBank, Bank Bukopin