Management Discussion and Analysis Management Reports Performance Highlights Company Profile Risk Management Annual Report CIMB NIAGA 2018 668 Senior Executives Profiles Antonius Gunadi Chief Audit Executive Indonesian citizen, 44 years of age. Joined CIMB Niaga in December 2016 and has served as Chief Audit Executive since 3 January 2017. He began his career as an auditor at the public accounting firm of Coopers & Lybrand, KPMG, and Ernst & Young prior to entering the banking industry when he became Head of Internal Audit at ABN Amro Bank Indonesia, Barclays Indonesia, and Bank Internasional Indonesia. Prior to joining CIMB Niaga, he served as Audit Director at Citibank and was responsible for audit activities in Indonesia and several other countries in Asia and 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). In addition, he is active in the internal audit profession organization for banking industry in Indonesia named Ikatan Audit Intern Bank (IAIB). Rusly Johannes Chief of Corporate Banking Indonesian citizen, 49 years of age. Has served as Chief of Corporate Banking since February 2015. He has held various positions at ABN AMRO Bank Indonesia, Deutsche Securities Inc. New York, and Rabobank Indonesia. Prior to joining CIMB Niaga, he served as Managing Director, Local Corporate Unit, Corporate and Investment Banking at Citibank Indonesia. He completed his MBA program from The Anderson School, UCLA and Bachelor of Business Administration program from The University of Texas (Austin). Sukarman Omar Chief of Micro and SME Banking Indonesian citizen, 60 years of age. Has served as Chief of SME Banking at CIMB Niaga since November 2013. Previously, he held various key positions at Bank Permata, commencing in 1986 and most recently served as Head of SME at Bank Permata. He graduated from the University of Ryama, Medan. Budiman Poedjirahardjo Chief of Corporate Strategic Initiatives Indonesian citizen, 53 years old. Joined CIMB Niaga in January 2010. Leading and building the Credit Card, Debit Card, and Merchant Acquiring Businesses. He then served as Head of Branch & Branchless Banking, expanding the distribution of branches and building the Digital Banking Platform for CIMB Niaga, He is currently the Chief of Corporate 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.
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Management Discussionand AnalysisManagement ReportsPerformance Highlights Company Profile Risk Management
Annual Report CIMB NIAGA 2018668
Senior Executives Profiles
Antonius GunadiChief Audit Executive
Indonesian citizen, 44 years of age. Joined CIMB Niaga in December 2016 and has served as Chief Audit Executive since 3 January 2017. He began his career as an auditor at the public accounting firm of Coopers & Lybrand, KPMG, and Ernst & Young prior to entering the banking industry when he became Head of Internal Audit at ABN Amro Bank Indonesia, Barclays Indonesia, and
Bank Internasional Indonesia. Prior to joining CIMB Niaga, he served as Audit Director at Citibank and was responsible for audit activities in Indonesia and several other countries in Asia and 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). In addition, he is active in the internal audit profession organization for banking industry in Indonesia named Ikatan Audit Intern Bank (IAIB).
Rusly JohannesChief of Corporate Banking
Indonesian citizen, 49 years of age. Has served as Chief of Corporate Banking since February 2015. He has held various positions at ABN AMRO Bank Indonesia, Deutsche Securities Inc. New York, and Rabobank Indonesia.
Prior to joining CIMB Niaga, he served as Managing Director, Local Corporate Unit, Corporate and
Investment Banking at Citibank Indonesia. He completed his MBA program from The Anderson School, UCLA and Bachelor of Business Administration program from The University of Texas (Austin).
Sukarman OmarChief of Micro and SME Banking
Indonesian citizen, 60 years of age. Has served as Chief of SME Banking at CIMB Niaga since November 2013.
Previously, he held various key positions at Bank Permata, commencing in 1986 and most recently served as Head of SME at Bank Permata. He graduated from the University of Ryama, Medan.
Budiman PoedjirahardjoChief of Corporate Strategic Initiatives
Indonesian citizen, 53 years old. Joined CIMB Niaga in January 2010. Leading and building the Credit Card, Debit Card, and Merchant Acquiring Businesses. He then served as Head of Branch & Branchless Banking, expanding the distribution of branches and building the Digital Banking Platform for CIMB Niaga, He is currently the Chief of Corporate 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.
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.
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Amir MirzaHead of Cash Management
Indonesian citizen, 45 years of age. Started his banking career and held senior positions at Deutsche Bank AG Jakarta, before finally joining Bank CIMB Niaga in November 2009. He holds a Bachelor’s Degree in Industrial Engineering from Bandung Institute of Technology.
Adrian PanggabeanChief Economist, Treasury and Capital Market
Indonesian citizen, 52 years of age. Chief Economist at Bank CIMB Niaga since October 2016. He spent half of his career overseas. Adrian began his career as a lecturer at the Faculty of Economics, University of Indonesia, and as a visiting professor in Public 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 WicaksonoHead of Corporate Client Solutions
Indonesian citizen, 44 years of age. Head of Corporate Client Solutions since April 2013. Previously served as President Director of PT Deutsche Securities Indonesia (2010-2013) (an affiliation of Deutsche Bank), Director of PT Standard Chartered Securities Indonesia from 2004 to 2010 (an affiliation of Standard Chartered Bank), Vice President of Investment Banking at PT Trimegah Securities
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 SuhandinataHead of Consumer Banking Operations
Indonesian citizen, 42 years of age. Serves as Head of Consumer Banking Operations at CIMB Niaga. He previously worked at Citibank for 6 years, Bank Barclays Indonesia for 2 years, Commonwealth Bank for 2.5 years, ICBC for 2.5 years, and Bank Ganesha as Director of IT and Operations for 1.5 years.
He holds a Bachelor’s Degree in Finance from California State Polytechnic University, Pomona and an MBA from Loyola Marymount University
Andrew SuhandinataDeputy Chief of Transaction Banking
Indonesian citizen, 47 years of age. Joined Bank CIMB Niaga in May 2016. Started his career, holding various senior positions at HSBC Bank, OCBC NISP, with his last position being at Maybank Indonesia as Executive Vice President of Transaction Banking. He holds a Master of Science in Business Administration Degree from the California State Polytechnic University, USA.
Anton HermawanHead of Digital Business Development
Indonesia citizen, 50 years of age. He has served as Head of Digital Business Development of CIMB Niaga since 2018.
Prior to joining CIMB Niaga, his last position is group head of digital banking in PT. Bank Sinarmas Tbk, 8 years as head of business transformation in Permata Bank, Tbk and more than 13 years as bureau
head at Operation center division Bank Central Asia.
He holds a master degree in magister management from University Indonesia and bachelor of science in Physics from Bandung Institute of technology.
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Senior Executives Profiles
Antonius SukriswantoHead of Anti Fraud Management
Indonesian citizen, 55 years of age. Head of Anti Fraud Management at CIMB Niaga since 2011.
Has extensive experience in operations, audit, and operational risk management, and during the period 2008 - 2011 served as Head of Operational Risk Management at OCBC NISP, Barclays Indonesia, and Bank Ekonomi Rahardja (HSBC
Group). Holds a degree in Political Science and International Relations from Gadjah Mada University Yogyakarta, INSEAD Senior Leadership Program Singapore - France, as well as following various training programs on banking and management.
Aulia MochtarHead of Money Market & Funding - Treasury
Indonesian citizen, 53 years of age. Has worked at Bank CIMB Niaga since 2006 as Head of Trading Desk and became Funding & Gapping Group Head in 2009. He began his banking career in several domestic and Japanese banks.
He holds a Bachelor’s Degree in Computer Science from Embry
Riddle Aeronautical University, Daytona Beach - Florida USA
Bambang Karsono AdiHead of Digital Banking, Branchless & Partnership
Indonesian citizen, 51 years of age. Has served as Head of Digital Banking, Branchless & Partnership at CIMB Niaga since October 2015. Specialist in the credit card business and has worked at several banks such as LippoBank, Bank Bukopin and Visa International.
Previously, he served as Head of Cards & Merchant Business at CIMB Niaga from September 2012.
He graduated from the Faculty of Economics, majoring in Marketing Management, University of Trisakti.
Banyon AnantosenoHead of Consumer Collection & Recovery
Indonesian citizen, 52 years of age. Head of Consumer Collection and Recovery at CIMB Niaga since September 2017.
He previously held the position of Group Head of Unsecured Collection at CIMB Niaga, Executive Vice President of Card & Loan Processing, Fraud and Collection at Bank Mega,
Senior Vice President of Micro Collection at Bank Danamon, Vice President of Collection of HSBC, and Assistant Vice President of Credit Operation at Citibank.
He holds a Bachelor degree in Economics Management from Airlangga University, Surabaya.
Budiman TanjungHead of Retail Banking Product
An Indonesian citizen, with a career of more than 20 years in the banking industry. Currently, he has been serving as the Head of Retail Banking Product at CIMB Niaga since October 2015.
Previously, he served as the Head of Consumer Banking at PT Bank DBS Indonesia (2005-2009).
He earned his Bachelor’s Degree in Business & Administration from the University of Bath, England in 1996.
Cecilia Ninik MartiniHead of Jateng Commercial Banking
Indonesian citizen, 53 years of age. Head of Commercial Banking III. Joined CIMB Niaga in 1989 through the Executive Education Program after earning a Bachelor’s Degree in Accounting from Parahyangan University Bandung.
She has attended Leadership Programs from INSEAD in Fontainebleau and Singapore,
earned BSMR Commercial Loan/ Business Certification from Omega.
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Chairany DanusaputraHead of HR Shared Service
She graduated with Bachelor of Communication title from Padjajaran University on 1995. Before she started her career in CIMB Niaga, she started it in several Banks for almost 23 years, such as PT Bank Commonwealth for 10 years, PT Bank Sumitomo Mitsui Indonesia for 7 years and other Companies.
Chialmi Dialdestoro RosalimHead of Structured Finance and Syndication
Indonesian citizen, 46 years of age. Head of Structured Finance and Syndication at CIMB Niaga since December 2017. He has followed a career path with more than 22 years of experience in the Corporate and Investment Banking sector across Asia, United Kingdom, Europe and the Middle East.
He began his career in 1996 as Management Associate in Citigroup. He held several key positions including in Citigroup Indonesia as Senior Remedial Officer in the Institutional Remedial Management division and as Head of Local Corporates Group in the Corporate and Investment Banking division, as well as in Citigroup Switzerland as Senior Banker in the Global Corporate and Investment Banking division.
In 2006, he joined Samba Financial Group in London, United Kingdom, with his last position being Co-Heads of Corporate and Private Banking Group. In 2010, he joined Qatar National Bank Headquarter in Doha, Qatar as Global Relationship Manager in the Corporate and Investment banking division with sector coverage including Large Corporates, Oil & Gas, Aviation, Telecommunication, Infrastructure and Real Estates.
He holds Master in Professional Accounting degree (with Honors) from The University of Texas at Austin in United States and a Bachelor of Science in Accounting and Finance degrees (with Honors) from The Oklahoma State University in United States.
DajaniHead of SME I (Jakarta)
Indonesian citizen, 49 years of age Head of SME1 at CIMB Niaga since September 2016. Previously, he was Area Manager of SME Jakarta-4 at CIMB Niaga.
Started her career in 1995 as an Account Officer at Bank Dagang Nasional Indonesia, Tanah Abang branch, Bank Mashill Utama,Glodok branch, and as Marketing Manager,
Jakarta – Region to the Commercial Business Head of Jabodetabek1 at Bank OCBC NISP until December, 2014.
She holds a Bachelor’s Degree in Science, - Physics from the Faculty of Science - University of Diponegoro, Semarang.
Daniel HutapeaHead of Treasury Risk Analytics & RCU
Indonesian citizen, 47 years of age. He has served as Head of Treasury Risk Analytics & RCU since 2017. Started his banking career as an Account Officer at Bank Niaga in 1997 and as a Relationship Manager of Financial Institutions from 2000 to 2008. Has served as Credit & Risk Analytics Head at CIMB Niaga since 2008. He obtained a Bachelor’s Degree in Accounting/Economics
from Padjajaran University, Bandung in 1995.
Diah Rachma ParamaiswariHead of Syariah Consumer Banking
Indonesian Citizen, 54 years of age. Has served as CIMB Niaga Head of Syariah Consumer Banking (2016 – present), previously served as Head of Communication, Change Management and Training as well Business Case Stream Line on Project 1 Platform and Head of Sales and Distribution II, being responsible for all branches in Java and Sumatra. She obtained her Bachelor’s Degree
in Accountancy from University of Airlangga, Surabaya, Indonesia in 1988.
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Djojo BoentoroHead of Consumer Credit Underwriting
Indonesian citizen, 52 years of age. Head of Consumer Credit Underwriting since September 2017.
He previously served as Head of Consumer Finance at Maybank Indonesia, Member Relation Director at MasterCard International Inc., Indonesia, Wealth Director at PT AXA Financial Indonesia, and various positions at Bank Internasional Indonesia.
He has more than 24 years of work experience in the banking industry. He obtained a Bachelor’s Degree in Civil Engineering from Parahyangan University, Bandung in 1989.
Entin RostiniHead of Anti Money Laundering (AML)
Indonesian citizen, 53 years of age. Head of Anti-Money Laundering (AML) at CIMB Niaga since December 2016.
Started her career, and served in different positions at Bank Internasional Indonesia, Compliance Head of Bank Chinatrust Indonesia, and AML Head of Bank Danamon Indonesia.
She holds a Bachelor’s Degree in Economics, majoring in Accounting from Padjadjaran University in Bandung and Master of Finance Degree from the University of Gajah Mada in Yogyakarta.
Active in Compliance Director Forum (FKDKP) and Perbanas since 2009.
Faisal Aswin TambayongHead of Commercial Banking I - Jakarta, Jawa Barat, Indonesia Timur
Indonesian citizen, 54 years of age. Has served as Head of Commercial Banking I, and previously as Head of Business Products and Strategic Development since January 2013 and has held senior positions at ABN AMRO and ANZ Indonesia as Head of Business Banking.
He obtained his Law Degree from the University of Sebelas Maret, Solo, Indonesia and was enrolled in the Bank Niaga Executive Education Program in 1990.
FuriyantoHead of Securities Services
Indonesian citizen, 51 years of age. Head of Securities Services at CIMB Niaga since September 2016. He started his career at CIMB Niaga in 1991, and joined IBRA prior to rejoining CIMB Niaga in 2003.
He holds a Bachelor’s Degree in Mathematics from the University of Gajah Mada and a Master’s Degree in Financial Management from one of
the state universities in Indonesia.
Ferdinand Renaldi WawolumayaHead of Trading & Structuring
Indonesian citizen, 37 years of age. Head of Trading & Structuring at CIMB Niaga since October 2015. He has had experience in the field of Treasury since 2004.
He holds a Bachelor of Science degree from the National University of Singapore.
Hanny LibrataHead of Business Banking Funding
Indonesian citizen, Has served as Head of Business Banking Funding at CIMB Niaga since January 2016, support the growth of funding business for segment Corporate, commercial and Linkage. Covering area Jakarta, Sumatra, Kalimantan, West Java, Central Java, East Java, and Eastern Indonesia.
Previously served as Head of Sales and Distribution II under Consumer Banking from June 2013 to December 2015.
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Hartanto KurniawanHead of Commercial Business Credit
Indonesian citizen. Joined Bank CIMB Niaga in September 2017. Prior to joining CIMB Niaga, he served as Group Head of Credit Control & Supervision at Bank Mandiri and Head of Credit Approval at Maybank Indonesia.
He started his career in the field of financial institution and banking in 1994. He has experience in
Commercial Banking, Corporate Banking, and Loan Workout. He has also held various positions in several financial institutions/ banks, such as ORIX Indonesia Finance, Indonesian Bank Restructuring Agency, International Finance Corporation/ - World Bank, Bank Central Asia, 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 - Malang, East Java.
Helen Stella MarisHead of Business Planning and Network Management - Consumer Banking
Indonesian citizen. Head of Business Planning and Network Management Consumer Banking at CIMB Niaga since July 2016.
Started her career as Management Associate at Citibank Indonesia, and was subsequently rotated across various countries, holding various
positions as Financial Planning and Analysis Head, Consumer Bank HR Generalist Head, and Chief of Staff.
She holds a Bachelor’s Degree in Business and Master of Business in Finance Degree from the University of Technology, Sydney, Australia
Henry SawaliHead of Commercial & MSME Banking Credit
Indonesian citizen, 50 years of age. Head of Commercial & MSME Banking Credit at CIMB Niaga since February 2017. Previously served in Bank LTBC Central Asia, Bank ANZ Indonesia, Bank Permata, Bank Danamon, and most recently at Bank OCBC NISP as Head of Corporate Banking Credit. He is a Bachelor of Science graduate, Faculty of Finance
from the California State University of Fresno, United States.
Hernaman TandiantoHead of Treasury Distribution
Indonesia citizen, 40 years of age. He has served as Head of Treasury Distribution of CIMB Niaga since 2018.
He has 17 years of experience working in banking sector with 15 years working experience in Treasury Sales, foreign and local banks, all segment from corporation as well as individual. His experiences and
certification including plain vanilla, derivative as well as structured products.
He earned an MM degree from Gadjah Mada University and a Bachelor’s degree in Civil Engineering from Atma Jaya University.
Humilo Felona RonituaHead of Risk and Control Unit, Consumer Banking
Indonesian citizen, Head of Risk and Control Unit,Consumer Banking at CIMB Niaga since 15 August 2016.
Started her career, and held various positions at Ernst & Young, Standard Chartered Bank, PT Bank Barclays Indonesia, and PT Bank Permata Tbk.
She holds a Bachelor’s Degree in Economics and Accounting (SE Ak) from the Faculty of Economics, University of Indonesia.
I Gusti Ngurah Dwi SaptaHead of Non Retail Credit Administration, Checking & Appraisal
Indonesia citizen. He has served as Head of Non Retail Credit administration, Checking & Appraisal of CIMB Niaga sejak bulan Oktober 2018.
He has 20 years of experience in the banking industry, with started as CRU Manager at Standard Chartered Bank (tahun 1998 -2004) and
continued as CCU Head at PT Bank DBS Indonesia (2004–2007), Head of Credit Control Unit at PT Bank Danamon Indonesia Tbk (tahun 2007 - 2015) and Head of Credit Risk Control at Standard Chartered Bank before finally joining PT Bank CIMB Niaga as Non Retail Credit administration, Checking & Appraisal Head for the Credit Directory in 2018.
He holds a Bachelor’s Degree from the University of Trisakti Jakarta.
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Johanes Tomy IndartoHead of Learning, Organization Development & Employee Relations
Indonesia citizen, 45 years of age. He has served as Head of Learning, Organization Development & Employee Relations at PT Bank CIMB Niaga Tbk. Since March 2018.
He has 20 years of experience working at PT Freeport Indonesia (Papua) in the area of Information Technology, Business Improvements
and Learning & Organization Development with latest position as Vice President, Learning & Organization Development.
He earned an MBA degree from School of Business and Management – Bandung Institute of Technology in 2009 and had a Bachelor of Mechanical Engineering Degree from Bandung Institute of Technology in 1996; in addition to that he held HR Senior Certified Professional certification from SHRM (Society of Human Resources Management) in 2017.
Julius Wiantara TjhioeHead of Operational Risk Management (ORM)
Indonesian citizen, 53 years of age. Has worked with CIMB Niaga since 2015 as Head of Operational Risk Management (ORM).
Previously served at Citibank N.A. Indonesia as Head of ORM (2012 – 2014), Bank DBS Indonesia as Head of ORM (2007 – 2011) and Head of Internal Audit (1999 – 2007), as well as
in several banks as Head of Internal Audit.
He obtained his Bachelor of Economics Degree in 1992, majoring in Finance and Accounting, from Macquarie University, New South Wales, Australia.
LenaHead of LWO for Commercial Banking (Comba) & MSME
Indonesian citizen, 50 years of age. Has served as Head of LWO for Commercial Banking (Comba) & MSME (formerly ARR) of CIMB Niaga since July 2015. She started her career at Bank Permata (formerly Bank Bali), from 1991-2010, with her latest position as Head of Special Asset Management.
Prior to joining CIMB Niaga, she was Head of Special Asset Management at Bank UOB Indonesia (2010-2015). She graduated with a Bachelor Degree from the University of Atma Jaya Yogyakarta in 1991.
Joni RainiHead of HR Business Partner, Rewards & Performance
Indonesian citizen, 38 years of age. Has served as the Head of HR Business Partner, Rewards & Performance since 1st January 2018, Head of HRBP, Rewards & Services since 2017, Head of HR Rewards, Performance & Services since 2014 and Head of Rewards & Performance since 2013. He also served as Talent & Leadership Development Group
Head since 2011. Previously, he served as Head of Human Resources at Bank Barclays Indonesia and prior to that, he was Head of HR Management & Services and Head of Learning & Development at Bank UOB Buana. He obtained his Bachelor’s Degree in Economics from Tarumanagara University and a Master’s Degree from Pelita Harapan University, and an Executive MBA Degree from Peking University, China.
Jeffrey Bob KarmanHead of Loan Workout for Corporate Banking
Indonesian citizen, 58 years of age. He joined CIMB Niaga in October 2013 and has 27 years of professional experience. He held several key positions at various banks and financial institutions, such as Standard Chartered Bank, ABN AMRO Bank N.V., Sucorinvest Gani, and Bank OCBC NISP.
He earned his Bachelor of Science Degree, majoring in Business Administration - Finance from the University of San Francisco and a Master’s Degree in Management - International Management from Prasetya Mulya Management Institute.
Josephine Mercy Ari PriamsariHead of Wholesale Banking Operations & Shared Services Center
Indonesian citizen. Currently serves as the Head of Wholesale Banking Operations & Shared Services Center. Joined CIMB Niaga in September 2011.
She previously served as Head of Central Processing Center at Bank Internasional Indonesia from 2005 to 2011, and worked at Citigroup
Indonesia from 1997 to 2005, with her last position as Head of Corporate Payment Operations.
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Linda MarsheliaHead of Financial Institution
Indonesian citizen. 47 years of age.
Linda has spent the last 24 years of her career in the banking sector. She joined PT. Bank CIMB Niaga Tbk in October 2018 as the Head of Financial Institutions.
Prior to that, she has worked in MUFG Bank Ltd, Indonesia as the Head of
Financial Institution and Multi National Corporates. She also served as Director, Multi National Corporate unit at Standard Chartered Bank, Indonesia and as Senior Relationship Manager, Financial Institution unit at Citibank Indonesia.
Linda holds a Bachelor Degree in Business Administration from Institute Business Indonesia.
Miranty SupardiHead of Corporate Banking I
Indonesian citizen. Has served as Head of Corporate Banking Division I CIMB Niaga overseeing the Property, Regional Corporate and Multinational division since August 2014.
Previously, she worked at Citibank New York and Hong Kong with her last position as Senior Vice President for the Corporate and Investment
Banking division at Citibank Indonesia.
She holds a Bachelor’s Degree in Business Administration from the University of Wisconsin Madison, USA and a Master’s Degree in Business Administration from Cornell University, USA.
Mulyawan GaniHead of Strategy & Investor Relations
Indonesia citizen, 41 years of age. He has served as Head of Strategy and Investor Relations of CIMB Niaga since 2016.
He has 10 years of experience working in the United States before coming back to Indonesia in 2008. He worked at the Boston Consulting Group for two years as a Consultant in the Jakarta Office, and 6 years in
Sinarmas Land as Managing Director, and in GRAB as Two Wheel Head.
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.
Lukito AdisubrataHead of Non Branch Channel
Indonesian citizen, 43 years of age. Has served as Head of Non Branch Channel of CIMB Niaga since April 2011.
Previously he occupied senior positions in Bank Permata, Lippo Bank, and Citibank N.A.
He obtained a Bacchelor’s Degree from Tarumanagara University in 1997
Liston SiahaanHead of Compliance Management
Indonesian citizen, 51 years of age. He has currently served as Head of Compliance Management at CIMB Niaga since October 2013.
Previously he served as Chief of the Division of Risk Management Group of Bank Niaga and worked at the National Bank Restructuring Agency (BPPN) and PT Pefindo.
He obtained his Bachelor’s Degree from Bandung Institute of Technology in 1992 and Master of Management Degree from Prasetya Mulya Business School, Jakarta
Michael Gerald JusantiHead of Commercial Banking
Indonesian citizen. Joined Bank CIMB Niaga in June 2016. Prior to joining CIMB Niaga, he served as Chief Representative Officer at ING Bank N.V.
Started his banking career in 2003. He has experience in Commercial, Corporate and Investment Banking. He also served in various senior positions in a number of banks, such
as ABN Amro NV, OCBC NISP, and Rabobank.
Graduated with a Master’s Degree in Business Administration (MBA) from Eastern Illinois University, USA and Bachelor’s Degree in Business Administration (BBA) from Benedictine University, USA.
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Ratri SetyoriniHead of Risk Control Unit Business Banking
Indonesian citizen. Has served as Head of Risk Control Unit Business Banking since January 2017. Started her career as a Management Associate at Citibank in September 2001 with her last position, prior to joining Bank CIMB Niaga, as Head of Middle Office and Support of SME at Bank UOB Indonesia. Has experience working at Standard Chartered
Bank Japan and also experience as guest auditor at various overseas branches of Standard Chartered Bank, such as Pakistan, Bangladesh, India, and Malaysia. Has more than 10 years’ experience in the field of Operational Risk, both for retail and non-retail banking.
She holds a Master’s Degree in E-Business Management from the International University of Japan (IUJ) and a Bachelor’s degree in Civil Engineering from Bandung Institute of Technology (ITB).
Ria YohanitaHead of Operational Accounting
Indonesian citizen. Has served as Head of Operational Accounting at Bank CIMB Niaga since June 2017.
She has more than 12 years of experience in the banking industry, which started as Supervisor and Assistant Manager, Finance & Accounting Department at PT ANZ Panin Bank (2004 - 2009) and continued as Head of Project
& Development, Finance & Accounting Department at PT Bank UOB Indonesia (2011-2011), Head of FTP Policy & Framework, Central Treasury Unit at PT Bank UOB Indonesia (2013 - 2016) before finally joining PT Bank CIMB Niaga as Risk Control Unit Head for the Strategy & Finance Directorate in 2016.
She holds a Bachelor’s Degree in Commerce (B. Com) Finance & Financial Management Services and Master of Commerce (M. Com) Accounting & Finance from the University of New South Wales - Sydney.
Riboet BudionoHead of Corporate Banking – SOE, Infrastructure & Energy
Indonesian citizen. Joined CIMB Niaga in April 2016 as Head of Corporate Banking – SOE, Infrastructure & Energy. Previously, he worked at Standard Chartered Bank as the Director of Corporate & Institutional Client. Started his career at Societe Generale Leasing and VP of Business Development at GE Capital SE Asia in Singapore.
Pretty Halim Head of MSME Business Credit Team
Indonesian citizen, 45 years of age. Joined Bank CIMB Niaga since Juni 2003. Started her career in 1997 as a Management trainee at Lippobank with the last position as Branch Manager. She holds a Master of Applied Finance Degree from University of Western Sydney then continued he carrier in CIMBNIAGA.
Noviady WahyudiHead of Segment, Decision Management & Customer Experience
Indonesian citizen, 45 years of age. Joined CIMB in 2011. Previously, was a senior partner in a consulting firm and started his career with Citibank.
Graduated from the University of Indonesia, obtained an MBA Degree from the National University of Singapore and attended the Executive Leadership Program at
INSEAD business school.
In charge of preferred banking, payroll, student and community segment. By also in charge of the analytics unit (Decision Management), he is expected to increase cross-selling and customer product ownership through BizData & CRM. He is also responsible for end-to-end customer experience, business process re-engineering, and contact center.
Resti Pramestuti RachmatHead of Corporate Banking Office
Indonesian citizen, 52 years old. Head of Corporate Banking Office since Jan 2018. Previously served as Structured Finance, Mergers and Acquisitions Head from 2011 to 2017, Corporate Banking Division / Group Head from 2005 to 2010 after she served as Special Asset Management Officer / Division Head from 1998 to 2004. She started her career in Bank CIMB Niaga (formerly Bank
Niaga) in 1996 as Merchant Banking Officer. Before that, she worked at Indover Bank, Amsterdam for 3 years. She obtained Master Degree from Economic Faculty of Erasmus University of Rotterdam.
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Ricky HalimHead of SME 3
Indonesia citizen, 51 years of age. He has served as Head of SME 3 since Februari 2018 , previously he served as Sumatera 1 SME Area Manager for 4 years.
He earned a law degree at the Islamic University of North Sumatera in 1989.
Roby CokroHead of SME 4 (Kalimantan – INDTIM)
Indonesia citizen, 46 years of age. Head of SME 4 at CIMB NIAGA since February 2018. Previously, He was Area Manager of East Indonesia at CIMB NIAGA since December 2014.
Started His career in 1997 - 2003 at Bank Danamon as Account Officer until SME Lending Business Manager. Since 2003 – 2014, He worked at OCBC NISP with any position : Loan
Marketing Manager, Coordinator of Branch Manager, Consumer & Distribution Head, Head of Commercial & Emerging Business Loan.
He earned a Bachelor’s degree in Economic at Atmajaya University, Makassar – South Sulawesi.
Robby MondongHead of Sales & Distribution for Region Jakarta
Indonesian citizen. Serves as Head of Sales & Distribution Jakarta Region at CIMB Niaga.
Started his career at LippoBank Los Angeles and has held several senior positions in Bank Permata, Lippo Bank, and Citibank N.A.
He earned his MBA Degree from Woodbury University, Burbank, California, USA, and obtained a BA from the National University, San Diego, California, USA
Rusdi DahardinHead of Syariah Business Banking
Indonesian citizen, Head of Sharia Business Banking since 2015, and has more than 25 years’ experience in the banking sector.
Started his career as an employee and participated in the Officer Development Program. Since then, he has held several positions, namely as an Account Officer, Branch Manager, and Area Commercial
Banking Head in Sumatra, “he” has also served as a member of the Special Asset Management Team. From 2004 to 2008, the management of CIMB Group appointed Rusdi, as the Assistant General Manager of South East Asian Bank Ltd. Mauritius and from 2008 - 2013 in Kuala Lumpur, 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 North Sumatra, Accounting Department.
Rudy HutagalungHead of Government Relations & CEO Special Staff
Indonesian Citizen, 52 years of age. Head of Government Relations & CEO Special Staff since 1 December 2016. Previously, he served as the Head of Government Relations from 1 March 2016.
He has previously served as CIMB Niaga’s Corporate Secretary and also as Head of Corporate Affairs & Legal
of CIMB Niaga since 1 October 2013 and Head of Legal and Litigation of CIMB Niaga (2012-2013).
Prior to joining CIMB Niaga, he served as Relationship Director - Corporate Banking, Clydesdale Bank 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.
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Surya Kirana SulistijoHead of Legal/General Counsel
Indonesian citizen, 53 years of age. Head of Legal of CIMB Niaga since May 2016. Previously, he held various positions including Head of Legal at UOB Indonesia and General Legal Counsel at Bank Danamon Indonesia. He holds a Bachelor’s Degree in Law from Trisakti University and a Master’s Degree in Law from the University of Indonesia.
Sari KartikaHead of MSME Business & Product Development
Indonesian citizen, 37 years of age. Head of MSME Business and Product Development at CIMB Niaga, since February 2015.
She previously worked at Bank Permata for 12 years in the Marketing, Product Development and Value Chain division.
She holds a Bachelor’s Degree in Economics from the Catholic University of Widya Mandala, Surabaya.
Santi Gloria PangabeanHead of OIT Risk Control Units & Strategic Risk Analytics
Indonesian citizen, 44 years of age. Joined CIMB Niaga in June 2011 as Corporate and High End Credam Head.
She began her banking career at American Express Bank Ltd in 1997. She has also held various senior positions in Operational Risk, Credit Risk and Policy at PT Bank DBS.
She holds a Master’s Degree in Business Administration from the University of Notre Dame Australia and a Bachelor’s Degree in Management Economics from Satya Wacana Christian University.
Sjarif Hartady GunawanHead of Treasury Sales
Indonesian citizen, 48 years of age. He has served as Head of Global Sales & Marketing since 2015.
He previously served as Risk Advisory & Institutional Sales Group Head of CIMB Niaga from October 2011. He has had experience in the Treasury and Capital Market since 2001 at Standard Chartered Bank and Citibank and his last position was at
OCBC NISP as Head of Risk Advisory Workgroup in 2009.
He obtained a double degree in Bachelor of Banking and Finance/ Bachelor of Social Arts from Monash University, Australia in 1995.
Suherman OnihanaHead of Loan Workout for Corporate Banking
Indonesian citizen, 49 years of age. Has served as Head of Loan Workout for Corporate Banking at CIMB Niaga since July 2017.
He has had experience in loan recovery since 2006 at Commonwealth Bank and lastly at HSBC as Head of Loan Management Unit since 2010.
Previously, during his 10 year career at Permata Bank and Bank Universal, he held several positions in Wholesale & Commercial Banking. He obtained a Bachelor’s Degree in Economics from Tarumanagara University in 1993.
Sukasno TjokrorahardjoHead of SME 2
Indonesian citizen, 47 years of age. Serves as Head of SME 2 (West Java, Central Java, East Java and Bali) at CIMB Niaga since May 2018.
Joined CIMB Niaga in 2000 as an Account Officer and has since worked up the ranks.
Has a Bachelor degree from Universitas Darma Agung, Medan.
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Tony TardjoHead of Sales & Distribution for Out Region
Indonesian citizen, Head of Sales Distribution for Out Region since October 2015. Previously, he served as CIMB Niaga Head of Consumer Lending from January 2011.
Previously, he served as Head of Retail Banking, Bank Permata from 2010 to 2011 and Head of Consumer Lending Business, Barclays Bank from 2009 to 2010.
He earned his Bachelor of Science Degree in Electrical Engineering from Ohio State University, Columbus, Ohio, United States.
Tjahjadi YapeterHead of Wholesale Banking Credit
Indonesian citizen, 50 years of age. Head of Wholesale Banking Credit at CIMB Niaga since November 2012. Previously, he worked in Bank BCA as Head of Structured and Project Finance and at HSBC Bank as Head of Credit Approval Unit. He holds a Bachelor of Science Degree from the Faculty of Industrial Engineering and Management, Oklahoma State University, USA.
Tjiu FenHead of Value Chain & Trade Product
Indonesian citizen. Has served as Head of Value Chain & Trade Product at CIMB Niaga since September 2015. Her banking career has covers end to end business segments and serves various positions, including Informal SME Business Development Head at BTPN, SME & Commercial Business Development Head at Maybank (formerly, BII), Supply Chain Head at Bank Danamon, and Enterprise
Marketing Head at Lippo Bank. She earned a Bachelor of Civil Engineering Degree from the University of North Sumatra.
Vonny IrawanHead of Transaction Banking Sales
Indonesian citizen, Head of Transaction Banking Sales at CIMB Niaga. She has 25 years of experience in the area of Transaction Banking covering product management, client services, marketing and has been a Senior Executive Head leading Relationship Management for both Corporate and Financial Institutions/NBFI.
She holds a Bachelor’s Degree in Computer Science and Master of Business Administration Degree from the University of Southern California, United States.
WagiminHead of Commercial Banking - (Jakarta, Sumatera, Jawa Barat)
Indonesian citizen, 50 years of age. Head of Commercial Banking, Jakarta, Sumatra, and West Java since November 2016. Started his career at BCA, and held various positions at ABN AMRO/RBS (FI, Corporate Banking, Commercial Banking and Head of Global Trade & Advisory), Head of Middle Market, Standard Chartered and Head of
Corporate Banking at Bank Ekonomi. He holds a Bachelor’s Degree in Industrial Engineering from the University of Indonesia.
Toni DarusmanHead of Marketing, Brand & Communications
Indonesian Citizen, 43 yo. Almost 20 Years in Brand Marketing positions in Multinational Companies in Indonesia, Malaysia and Hong Kong. Prior joining CIMB Niaga, He was the Chief Marketing Officer at Bank Danamon. He started his career at Sampoerna where he spent 8 Years from Brand Associate to Marketing Manager. He then worked at Coca-
Cola, Unilever, Heineken, GSK Asia as Area Marketing Director and joined Indosat before entering the financial sector. He graduated from Universitas Andalas in Padang with bachelor degree in Mechanical Engineering and earned MSc(Eng) from the University of Liverpool in UK.
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Yulius SetiawanHead of Risk Analytics & Infrastructure
Indonesian citizen, Yulius joined CIMB Niaga in March 2015 as Head of Risk Analytics & Infrastructure at the Directorate of Risk Management.
Previously, he held senior positions as Wholesale Credit Audit and Analytics at Bank Danamon (2006 - 2015) and at BCA (1992 - 2006).
He obtained an MBA from PSBA – Manila in 1997 and Bachelor’s Degree from Institut Pertanian Bogor in 1992.
Wahdinie MusmarHead of Credit Assurance Testing
Indonesian citizen, has served as Head of Credit Assurance Testing at CIMB Niaga and joined the Bank since January 2016. Her banking career has covers end to end business segments and serves various positions, including Credit Approver at Standard Chartered Bank and ABN AMRO Bank. She earned a Bachelor of Economic degree with a major in Financial Management from
Padjajaran University, Bandung and MBA in the field of International Trade from Texas A&M International University, USA.
Yenny SiswantoHead of Information Technology
Indonesian citizen. Has served as Head of Technology Infrastructure at CIMB Niaga since 2010, and currently is Head of Information Technology.
Previously she held the positions of Head of Technology Infrastucture Management at PT Maybank Bank International Indonesia and Head of Country Technology at Citibank N.A.
She earned her Bachelor of Business Degree from one of the universities in Australia in 1995.
Wenny Ekawulan HandojoHead of Finance
Indonesian citizen. She served as Head of Operational Accounting at Bank CIMB Niaga from 2 January 2014 then as Head of Finance at Bank CIMB Niaga since 12 June 2017. In addition, since 2014 she also take the rule as a Director of at CIMB Niaga Pension Fund,which then appointed as President Director since June 2017. She also served as the President Commissioner of PT
Niaga Manajemen Citra effective, November 2017.
She has over 21 years of experience 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.
Widodo SuryadiHead of Corporate Banking II
Indonesian citizen, 45 years of age. SEVP/ Head of Corporate Banking II at CIMB Niaga since September 2015. He previously served as the EVP/Head of Wholesale Banking at Commonwealth Bank (2011-2015) and held various other positions at DBS, Rabobank, Citibank, and Arthur Andersen. He obtained a MBA degree from the Bandung Institute of Technology in 2009 and Bachelor
of Business Administration Degree from the University of Wisconsin at Madison, USA, in 1996.
