Audit Committee (AC)

• Audit Committee Charter

• Audit Committee Membership Composition in 2024

  No.	Name	Position in Bank	Position in the Committee	Term of Office
  1.	Dody Budy Waluyo	Independent Commissioner	Chairman	2024 - 2027
  2.	Glenn Muhammad Surya Yusuf	Vice President Commissioner (Independent)	Member	2024 - 2027
  3.	Endang Kussulanjari S.	Independent Party	Member	2024 - 2027
  4.	Angelique Dewi Daryanto	Independent Party	Member	2022 - 2025




• Qualifications & Profile of Audit Committee’s Members

  Member's Profile	Career & Educational Background
  Dody Budi Waluyo Chairman	Appointed for the first time as Chairman of the Audit Committee on 21 August 2024, concurrently serving as Chairman of the Integrated Governance Committee and Member of the Risk Oversight Committee. He also serves as an Independent Commissioner. His complete profile is presented in the Profile of the Board of Commissioners. Legal Basis for Appointment as Chairman of Audit Committee: Circular Resolution of the Board of Directors No. 002/SIR/DIR/IV/2024 dated 18 April 2024.
  Glenn Muhammad Surya Yusuf Member	Appointed as Member of the Audit Committee on 21 October 2022, concurrently servers as Chairman of Risk Oversight Committee and member of Nomination and Remuneration Committee. He also serves as Vice President Commissioner (Independent). His complete profile is presented in the Profile of the Board of Commissioners. Legal Basis for Appointment as Member of Audit Committee: Circular Resolution of the Board of Directors No. 002/SIR/DIR/IV/2024 dated 18 April 2024.
  Endang Kussulanjari S. Member	Reappointed as Member of the Audit Committee effectively on 18 April 2024, concurrently serving as Member of the Integrated Governance Committee. Age/Gender : 68/Female Nationality : Indonesian Domicile : Jakarta Education Background & Professional Certifications : Master of Arts, University of Colorado Boulder, Colorado – USA (1987) Bachelor of Economics, Universitas Gadjah Mada, Yogyakarta, Indonesia (1981) Level 7 Risk Management Certification Work Experiences : Commissioner in PT Pefindo Biro Kredit (2016–August 2022) Deputy Commissioner of Internal Audit, Risk Management, and Quality Control (AIMRPK) of Financial Services Authority (2015–2016) Deputy Commissioner of DKB2, Financial Services Authority (OJK) – Banking Supervision Division (2014–2015) Assistant Governor of Bank Indonesia-Banking Supervision Division (May–December 2013) From 1998 to 2013, she held various senior positions at Bank Indonesia, including Head of Bank Supervision Section, Deputy Director of Banking Supervision 1, Deputy Director of Banking Examination 1, Deputy Director of Banking Supervision 3, Head of the Bank Indonesia Yogyakarta Office, Senior Principal Researcher of DPNP, and Head of Banking Supervision Department 2. She is responsible for overseeing all bank activities, including finance and accounting, credit, risk management, governance, and internally ensuring the quality control of bank supervision. Concurrent Positions : - Share Ownership : Nil Affilated Relations : Has no affiliated relations with other Committee members, members of the Board of Commissioners, members of the Board of Directors, or the Ultimate and Controlling Shareholders Legal Basis for Appointment as Member of Audit Committee : Circular Resolution of the Board of Directors No. 002/SIR/DIR/IV/2024 dated 18 April 2024.
  Angelique Dewi Daryanto Member	Appointed as Member of the Audit Committee effective as of 21 October 2022 and concurrently serving as Member of the Integrated Governance Committee and Member of the Risk Oversight Committee. Age/Gender : 53/Female Nationality : Indonesian Domicile : Jakarta Education Background & Professional Certifications : Bachelor of Economics in Accounting, Trisakti University, Indonesia Certified Public Accountant (CPA) & Chartered Accountant (CA) Indonesia Level 7 Risk Management Certification Work Experiences : Worked at PricewaterhouseCoopers (PwC) Indonesia for over 27 years (1994 – 2021) and served as a Partner at PwC Indonesia in the Assurance Division - Financial Services Group for the last 15 years (2006 – 2021) Previously appointed as the Public Accountant responsible for auditing the Financial Statement of CIMB Niaga (2017 – 2019) Concurrent Positions : Audit Committee Member in PT Honest Financial Technologies (2022–present) Audit Committee Member in PT Asuransi Allianz Life Syariah Indonesia (2023–present) Audit Committee Member in PT Asuransi Allianz Life Indonesia (2023–present) Audit Committee Member in PT Asuransi Allianz Utama Indonesia (2023–present) Share Ownership : Nil Affilated Relations : Has no affiliated relations with fellow Committee members, members of the Board of Commissioners, members of the Board of Directors, or the Ultimate and Controlling Shareholders Legal Basis for Appointment as Member of Audit Committee : Circular Resolution of the Board of Directors No. 005/SIR/DIR/X/2022 dated 21 October 2022.

Nomination & Remuneration Committee (NRC)

• Nomination & Remuneration Committee Charter

• Nomination and Remuneration Committee Membership Composition in 2024

  No.	Name	Position in Bank	Position in the Committee	Term of Office
  1.	Sri Widowati	Independent Commissioner	Chairwoman	2023 - 2026
  2.	Didi Syafruddin Yahya	President Commissioner	Member	2023 - 2026
  3.	Glenn M.S. Yusuf	Vice President Commissioner (Independent)	Member	2024 - 2027
  4.	Nora Joice Kimbal	Head of HR Shared Services & MIS (Executive Officer in charge of HR)	Member	2024 - 2027




• Qualifications & Profiles of Nomination and Remuneration Committee’s Members

  Member's Profile	Career & Educational Background
  Sri Widowati Chairwoman	Appointed as Chairwoman of the NRC effective 9 April 2020 and reappointed for the same position effective 10 April 2023. She also serves as the Independent Commissioner. Her complete profile is presented in the Profile of the Board of Commissioners. Legal Basis for Appointment as Chairwoman of NRC: Circular Resolution of the Board of Directors No. 004/SIR/DIR/VIII/2023 dated 9 August 2023.
  Didi Syafruddin Yahya Member	Initially appointed as a member of the Nomination and Remuneration Committee on 26 November 2019 and reappointed to the same position effective 10 April 2023, concurrently as a Member of the Risk Oversight Committee. He also serves as President Commissioner. His complete profile is presented in the Profile of the Board of Commissioners. Legal Basis for Appointment as Member of NRC: Circular Resolution of the Board of Directors No. 004/SIR/DIR/VIII/2023 dated 9 August 2023.
  Glenn Muhammad Surya Yusuf Member	Appointed as Member of the Nomination and Remuneration Committee on 9 April 2020, effectively serving as of 16 September 2020, reappointed for the same position effectively as of 3 April 2024, and concurrently serving as Chairman of the Risk Oversight Committee and Member of the Audit Committee. He also serves as Vice President Commissioner (Independent). His complete profile is presented in the Profile of the Board of Commissioners. Legal Basis for Appointment as Member of NRC: Circular Resolution of the Board of Directors No. 002/SIR/DIR/IV/2024 dated 18 April 2024.
  Nora Joice Kimbal Member	Appointed as a Member of the Nomination and Remuneration Committee on 17 December 2021 and reappointed to the same position effectively as of 18 April 2024. She also serves as Head of HR Shared Services & MIS (Executive Officer in charge of HR). Her complete profile is presented in the Profile of Senior Executives. Certification: Level 5 Risk Management Certification Human Resources General Manager Competency Certification Legal Basis for Appointment as Member of NRC: Circular Resolution of the Board of Directors No. 002/SIR/DIR/IV/2024 dated 18 April 2024.

Risk Oversight Committee (ROC)

• Risk Oversight Committee Charter

• Risk Oversight Committee Membership Composition in 2024

  No.	Name	Position in Bank	Position in the Committee	Term of Office
  1.	Glenn Muhammad Surya Yusuf	Vice President Commissioner (Independent)	Chairman	2024 – 2027
  2.	Didi Syafruddin Yahya	President Commissioner	Member	2023 - 2026
  3.	Vera Handajani	Commissioner	Member	2021 - 2025
  4.	Farina J. Situmorang	Independent Commissioner	Member	2023 – 2026
  5.	Ronald T. A. Kasim	Independent Party	Member	2024 – 2027
  6.	Dody Budi Waluyo	Independent Commissioner	Member	2024 – 2027
  7.	Angelique Dewi Daryanto	Independent Party	Member	2024 – 2025




• Qualifications & Profile of Risk Oversight Committee’s Members

  Member's Profile	Career & Educational Background
  Glenn Muhammad Surya Yusuf Chairman	Appointed as Chairman of the ROC effective as of 6 October 2020, after previously being a Member of the ROC member as of 16 September 2020 and concurrently serving as a Member of the Nomintation and Remuneration Committee and Member of the Audit Committee. Reappointment as Chairman of the ROC on 18 April 2024. He also serves as Vice President Commissioner (Independent). His complete profile is presented in the Profile of the Board of Commissioners. Legal Basis of Appointment as Chairman of ROC: Circular Resolution of the Board of Directors No. 002/SIR/DIR/IV/2024 dated 18 April 2024.
  Didi Syafruddin Yahya Member	Appointed as Member of the ROC effective as of 26 November 2019 and reappointed for the same position effectively as of 10 April 2023, and concurrently serving as a member of the Nomination and Remuneration Committee. He also serves as President Commissioner. His complete profile is presented in the Profile of the Board of Commissioners. Legal Basis of Appointment as Member of ROC: Circular Resolution of the Board of Directors No. 004/SIR/DIR/VIII/2023 dated 9 August 2023.
  Vera Handajani Member	Appointed as member of the ROC effectively as of 25 January 2022. She also serves as Commissioner. Her complete profile is presented in the Profile of the Board of Commissioners. Legal Basis of Appointment as Member of ROC: Circular Resolution of the Board of Directors No. 001/SIR/DIR/I/2022 dated 25 January 2022.
  Farina J. Situmorang Member	Appointed as Member of the ROC effectively as of 25 January 2024. She also serves as Independent Commissioner. Her complete profile is presented in the Profile of the Board of Commissioners. Legal Basis of Appointment as Member of ROC: Circular Resolution of the Board of Directors No. 004/SIR/DIR/VIII/2023 dated 9 August 2023.
  Ronald T. A. Kasim Member	Appointed as Member of the ROC effective as of 20 January 2023 and reappointed for the same position effectively as of 18 April 2024. Age/Gender : 57/Male Nationality : Indonesia Domicile : Jakarta Educational Background & Professional Certifications : Doctor of Philosophy (PhD) in Leadership and Policy Innovation from Gadjah Mada University – Yogyakarta, Indonesia (2019) Master of Business Administration (MBA) – Business Administration & Management from Creighton University-Omaha, Nebraska, USA (1994) Bachelor of Science in Business Administration, majoring in Finance (BSBA) from Creighton University – Omaha, Nebraska, USA (1992) Chartered Financial Analyst (CFA) Level 7 Risk Management Certification Work Experiences : President Commissioner at PT Bangun Percaya Sosial – Jakarta, Indonesia (2022-2023) Chief Advisor at PT Advance Intelligence Indonesia – Jakarta, Indonesia (2019-2023) Country Director at PT Trusting Social Indonesia – Jakarta, Indonesia (2017-2020) Director at PT Trust Teknologi Finansial (TrustIQ) – Jakarta, Indonesia (2018-2019) President Director at PT Pefindo Biro Kredit (PBK) – Jakarta, Indonesia (2015-2017) President Director at PT Pemeringkat Efek Indonesia (PEFINDO) – Jakarta, Indonesia (2010-2015) Senior Vice President – Strategic Information Management at PT Permata Bank Tbk – Jakarta, Indonesia (2009-2010) Project Manager – Risk Management Products at Fermat (a business unit of Moody’s Investors Service) – Paris, Dubai, Singapore (2007-2009) Senior Risk Management Consultant – Banking Risk Product at IPS-Sendero (a business unit of Fiserv, Inc.) – Scottsdale, AZ, USA (2004-2007) Finance Officer and Head of Financial Strategic Group (including responsibility for accounting) at First National Capital Markets, Inc. – Omaha, NE, USA (2001 – 2004) Lead Financial Analyst of Asset-Liability Management Group at First National Bank of Omaha – Omaha, NE, USA (1999 – 2001) Head of Financial Institution Ratings Division at PT Pemeringkat Efek Indonesia (PEFINDO) – Jakarta, Indonesia (1994 – 1998) Concurrent Positions : President Commissioner at PT Kredit Biro Indonesia Jaya – Jakarta, Indonesia (2022-present) Independent Commissioner at PT Atome Finance Indonesia – Jakarta, Indonesia (2022-present) President Director at PT Kredit Pintar Indonesia – Jakarta, Indonesia (2024-present) Shareholding : Nil Affilated Relations : Has no affiliated relations with fellow Committee members, members of the Board of Commissioners, members of the Board of Directors, or the Ultimate and Controlling Shareholders Legal Basis of Appointment as Member of ROC : Circular Resolution of the Board of Directors No. 002/SIR/DIR/IV/2024 dated 18 April 2024.
  Dody Budi Waluyo Member	Appointed as Member of the ROC effectively as of 21 August 2024 and concurrently serves as Chairman of the Audit Committee and Chairman of the Integrated Governance Committee. He also serves as an Independent Commissioner. His complete profile is presented in the Profile of the Board of Commissioners. Legal Basis of Appointment as Member of ROC: Circular Resolution of the Board of Directors No. 002/SIR/DIR/IV/2024 dated 18 April 2024.
  Angelique Dewi Daryanto Member	Appointed as Member of the ROC effectively as of 26 August 2024 and concurrently serving as Member of the Audit Committee and Member of the Integrated Governance Committee. Her complete profile is presented in the Profile of the Audit Committee. Legal Basis of Appointment as Member of ROC: Circular Resolution of the Board of Directors No. 005/SIR/DIR/VIII/2024 dated 26 August 2024.

Integrated Governance Committee (IGC)

• Integrated Governance Committee Charter

• Member of CIMB Indonesia Financial Conglomerate

  1. PT Bank CIMB Niaga Tbk as Main Entity

  2. PT CIMB Niaga Auto Finance

  3. PT CIMB Niaga Sekuritas

• Integrated Governance Committee Composition in 2024

  No.	Name	Position in Bank and in Subsidiaries	Position in the Committee	Term of Office
  1.	Dody Budi Waluyo	Independent Commissioner of CIMB Niaga	Chairman	2024 – 2027
  2.	Serena K. Ferdinandus	Independent Commissioner of CNAF	Member	2024 – 2027
  3.	Yulizar D. Sanrego	Member of Sharia Supervisory Board of CIMB Niaga	Member	2023 - 2026
  4.	Achiran Pandu Djajanto	Independent Commissioner of CNS	Member	2022 - 2025
  5.	Endang Kussulanjari S.	Independent Party	Member	2024 – 2027
  6.	Angelique Dewi Daryanto	Independent Party	Member	2023 - 2025





• Qualifications & Profiles of Integrated Governance Committee’s Members

  Member's Profile	Career & Educational Background
  Dody Budi Waluyo Chairman	Appointed for the first time as Chairman of the IGC effective as of 21 August 2024, concurrently serving as Chairman of the Audit Committee and Member of the Risk Oversight Committee. He also serves as Independent Commissioner of the Bank. His complete profile is presented in the Profile of the Board of Commissioners. Legal Basis for Appointment as Chairman of IGC: Circular Resolution of the Board of Directors No. 002/SIR/DIR/IV/2024 dated 18 April 2024.
  Serena K. Ferdinandus Member	Appointed for the first time as Member of the IGC since March 2015, and most recently reappointed on 18 April 2024. Age/Gender : 64/Female Nationality : Indonesia Domicile : Jakarta Education Background & Professional Certifications : Bachelor in Economics from University Indonesia (1986) Work Experiences : Member of the Audit Committee at PT Elnusa Tbk (2020-2023) Member of the Risk Management Committee at PT Elnusa Tbk (2016-2020) Member of the Audit Committee at Elnusa Tbk (2015-2016) Member of the Audit Committee at PT Blue Bird Tbk (2014-2020) Commissioner at PT Anpa Internasional (2012-2018) Member of the Audit Committee at PT Chandra Asri Petrochemical Tbk (2009-2015) Member of the Audit Committee at PT Barito Pacific Tbk (2009 - 2013) Senior Vice President Investment Banking Division at PT NC Securities (2002-2009) Vice President Investment Banking Division and Direct Investment Division at PT Danareksa (Persero) and PT Danareksa Finance (1996-2001) Audit Division Manager at Ernst & Young, Sarwoko & Sandjaja in Indonesia (1986-1995) and Ernst & Young, Dallas. Concurrent Positions : Director of PT Putra Sleman Sembada (2022 – present) Chairwoman of the Risk Oversight Committee at PT CIMB Niaga Auto Finance (2020 - present) Independent Commissioner and Chairwoman of the Audit Committee at PT CIMB Niaga Auto Finance (2012 - present) Chief Audit Executive (Head of Internal Audit & Risk Management Division) at PT Ithaca Resources (2009 - present) Shares Ownership : Nil Affilated Relations : Has no affiliation with fellow members of the Committee, members of the Board of Commissioners, members of the Board of Directors, or the Ultimate and Controlling Shareholder. Legal Basis of Appointment as Member of IGC : Circular Resolution of the Board of Directors No. 002/SIR/DIR/IV/2024 dated 18 April 2024.
  Yulizar D. Sanrego Member	Appointed for the first time as Member of the IGC since March 2015, and reappointed on 14 March 2023. He also serves as Member of the Sharia Supervisory Board of the Bank. His complete profile is presented in the Profile of the Sharia Supervisory Board. Legal Basis for Appointment as Member of IGC: Circular Resolution of the Board of Directors No. 003/SIR/DIR/III/2023 dated 14 March 2023.
  Achiran Pandu Djajanto Member	Appointed as Member of the IGC on 7 August 2019 dan reappointed on 27 July 2022. Age/Gender : 66/Male Nationality : Indonesia Domicile : Bekasi Education Background & Professional Certifications : Bachelor of Law, University of Gadjah Mada (1983) Magister of Management, Entrepreneur Development Institute (1997) Doctorate degree in Law, University of Gadjah Mada (2015) Work Experiences : Director of Compliance and Risk Management at PT Jasa Marga (Persero) Tbk (2015-2016) Expert Staff of the Minister of SOEs for Governance and Synergy (2014-2015) Expert Staff of the Minister of SOEs for HR and Technology (2014-2015) Deputy in Restructuring and Strategic Planning (2013-2014) Expert Staff of the Minister of SOEs for Corporate Governance (2010-2013) Head of Legal Division of the Indonesian Bank Restructuring Agency (1998-2002) Head of the BPR Sub-Directorate of the Directorate General of Financial Institutions DJLK (1994-1998) Various Positions in Government Agencies since 1983 Concurrent Positions : Independent Commissioner of PT CIMB Niaga Sekuritas (2018-present) Share Ownership : Nil Affilated Relations : Has no affiliated with fellow members of the Committee, members of the Board of Commissioners, members of the Board of Directors, or the Ultimate and Controlling Shareholder. Legal Basis for Appointment as Member of IGC : Circular Resolution of the Board of Directors No. 004/SIR/DIR/VII/2022 dated 27 July 2022.
  Endang Kussulanjari S. Member	Appointed as Member of the IGC since April 2016 and reappointed effective on 9 April 2020 and 18 April 2024, concurrently serving as Member of the Audit Committee. She also serves as Member of the Audit Committee of the Bank. Her complete profile is presented in the Profile Audit Committee. Legal Basis for Appointment as Member of IGC: Circular Resolution of the Board of Directors No. 002/SIR/DIR/IV/2024 dated 18 April 2024.
  Angelique Dewi Daryanto Member	Appointed for the first time as Member of IGC on 10 April 2023. She also serves as Member of the Audit Committee of the bank. Her complete profile is presented in the Profile Audit Committee. Legal Basis for Appointment as Member of IGC: Circular Resolution of the Board of Directors No. 003/SIR/DIR/III/2023 dated 14 March 2023.