%UGENE+EITH'ALBRAITH
Note:
1) /VERSEEINTERNALAUDIT RISKMANAGEMENT compliance function of subsidiaries in association with integrated corporate governance and integrated risk management application.
2) Deputy President Director oversees and coordinates overall management of subsidiaries.
3) Compliance, Legal and Risk Management Director oversees subsidiaries risks as part of integrated risk management.
4) Finance and Corporate Secretary Director oversees subsidiaries financial performance.
5) Directly responsible to the Corporate Banking Director.
Operation Strategy Development
Lilik Winarni Domestic Payment Services Sunandar Suryajaya
Electronic Banking
Services
*OANES*'UNAWAN International
Banking Services 4EDDY'UNAWAN
Digital Services Wani Sabu
Legal Hermanto
Risk Management1)
%DUARD'0URBA
Credit Analysis s$JULIJANTO,IONG s%DY'UNAWAN s'RACE0UTRI!YU Dewijany s)NA7IDJAJA s(ELENA-ARIA Atmodjo s4AN4ESIEN Tanudjaja s7IDJAJA3TEPHEN Finance &
Planning Corporate
Secretary Jan Hendra
Human Capital Management
Hendra Tanumihardja Learning &
Development Lena Setiawati
Credit Recovery Megawaty Compliance1)
Arif Singgih Halim Wijaya
Enterprise Security Lukman Hadiwijaya
COMPLIANCE, ,%'!,!.$2)3+
-!.!'%-%.4 DIRECTOR3)
Subur Tan
2018 Annual Report PT Bank Central Asia Tbk
54
Management Discussion and Analysis Management Report
Financial Highlights
!
Jahja Setiaatmadja President Director
Indonesian citizen, aged 63. Domiciled in Indonesia. Appointed as the President Director of
"#!ATTHE!NNUAL'ENERAL-EETINGOF3HAREHOLDERSANDAPPROVEDBY"ANK)NDONESIAON
*UNE(EWASLASTREAPPOINTEDATTHE!NNUAL'ENERAL-EETINGOF3HAREHOLDERS for a five-year term.
Roles and Responsibilities
0RESIDENT$IRECTOROF"#!RESPONSIBLEFORTHE'ENERAL#OORDINATIONASWELLASOVERSIGHTOF the Internal Audit Division, the Corporate Social Responsibility Work Unit and the Anti-Fraud Bureau.
Career
Previously served as Deputy President Director of BCA (2005–2011), he was responsible for Branch Banking Business, Treasury Division, International Banking Division and Overseas Representative Offices. He worked as the Director of BCA from 1999 to 2005, and held a variety of managerial positions within the Bank from 1990. Prior to joining BCA, Mr. Setiaatmadja worked as the Finance Director of a leading Indonesian automotive company, PT Indomobil (1989–1990), and held various managerial positions at one of )NDONESIASLARGESTPHARMACEUTICALCOMPANIES04+ALBE&ARMAn WITHHISLASTTITLE as the Finance Director. Mr. Setiaatmadja started his career in 1979 as an accountant at an accounting company (PriceWaterhouse).
Educational Background and Training
'RADUATEDWITHA"ACHELORSDEGREEIN!CCOUNTINGFROMTHE5NIVERSITYOF)NDONESIA In 2018, participated in a number of training programs, seminars and conferences, including:
sTrading Trends 2018 – BCA – Jakarta, Indonesia.
sCreco Indonesia Outlook 2018 – PT Creco Indonesia – Jakarta, Indonesia.
s 2EFRESHMENT 2ISK -ANAGEMENT h#YBER 3ECURITY )NTEGRATING /PERATION 2ISKv AND THE Role of Banking in Welcoming the Digitalization of the Capital Market – LSPP – Jakarta, Indonesia.
s #%/ 'ATHERING 4HE /PTIMIZATION OF &INANCE 3ECTOR 2OLES IN )NCREASING %CONOMIC 'ROWTHn!SOSIASI%MITEN)NDONESIA)NDONESIAN!SSOCIATIONOF0UBLICLY,ISTED#OMPANIES AEI) – Jakarta, Indonesia.
s 0RIORITAS 4ABLE %VENT h$EVELOPING THE 4OURISM )NDUSTRY IN )NDONESIAv n "#! n *AKARTA Indonesia.
sDigital Awareness Program for Executive – BCA – Jakarta, Indonesia.
sSummit of Leaders Organizational Committee – Oxford (Europe Business Assembly) – London, England.
s34th Annual Strategic Decision Conference 2018 – Bernstein – New York, USA.
sIMC Conference – IMC – Washington, USA.
sBank Indonesia (BI) Dialog Forum: The course of BI’s Policy in Maintaining the Stability AND'ROWTHOFTHE%CONOMYn")n*AKARTA)NDONESIA
sNational Seminar of Indonesian Economist Association (ISEI) “Strengthening the Capital 0RODUCTIVITY OF )NDONESIA 4HE (ARMONIZATION OF THE &ORMAL )NFORMAL 3ECTORv n )3%) n Bandung, Indonesia.
s3rd Annual Indonesia Conference – Credit Suisse – Singapore, Singapore.
s )NDONESIA+NOWLEDGE&ORUMn"#!n*AKARTA)NDONESIA
sIBEX: The Next generation of banking in The Fourth Industrial Transformation – Perbanas – Jakarta, Indonesia.
s ")!NNUAL-EETINGSh3YNERGYFOR2ESILIENCEAND'ROWTHvn"ANK)NDONESIAn*AKARTA Indonesia.
s %CONOMIC /UTLOOK h"ANKING IN THE $IGITAL %RAv 2ISKS AND -ITIGATIONS n )NDONESIA Banker Association – Jakarta, Indonesia.
Affiliation
(AS NO lNANCIAL STOCK OWNERSHIP ANDOR FAMILY RELATIONSHIP WITH ANY MEMBER OF THE
"OARDOF#OMMISSIONERSFELLOWMEMBEROFTHE"OARDOF$IRECTORSANDOR"#!CONTROLLING shareholder.
Dual Functions
Holds no position as a member of a Board of Commissioners, a Board of Directors, or executive OFlCERATANOTHERBANKCOMPANYANDORINSTITUTION
2018 Annual Report PT Bank Central Asia Tbk 55 Eugene Keith Galbraith
Deputy President Director
"#!ATTHE!NNUAL'ENERAL-EETINGOF3HAREHOLDERSANDAPPROVEDBY"ANK)NDONESIA ON !UGUST (E WAS LAST REAPPOINTED AT THE !NNUAL 'ENERAL -EETING OF Shareholders for a five-year term.
Roles and Responsibilities
Deputy President Director of BCA responsible for general supervision of the Compliance, Legal & Risk Management Director, Finance & Corporate Secretary Director, Human Capital Management Director and Credit Director, as well as responsible for the Enterprise Security Work Unit. He also supervises and coordinates the management of the subsidiaries.
Career
Previously served as the President Commissioner of BCA (2002–2011). Prior to joining BCA, -R 'ALBRAITH SERVED AS 6ICE 0RESIDENT #OMMISSIONER OF 04 "ANK .)30 4BK n Chairman of Asiawise.com (1999–2001), Managing Director of ABN AMRO Asia (1996–1998), AND0RESIDENT$IRECTOROF('!SIA)NDONESIAn (EALSOSERVEDASANADVISORTOTHE Indonesian Ministry of Finance (1988–1990), and as economic planning advisor in East Nusa Tenggara Province, Indonesia (1984–1988).
Educational Background and Training
'RADUATEDIN0HILOSOPHY HOLDSAN-0HILIN%CONOMIC(ISTORY ANDA0H$IN Anthropology (1983) from Johns Hopkins University, USA.
In 2018, participated in a number of training programs, seminars and conferences, including:
s Nomura Indonesia All Access 2018 – Nomura – Jakarta, Indonesia.
s 2EFRESHMENT 2ISK -ANAGEMENT h#YBER 3ECURITY )NTEGRATING /PERATION 2ISKv AND THE Role of Banking in Welcoming the Digitalization of the Capital Market – LSPP – Jakarta, Indonesia.
s Indonesia Corporate Day – Deutsche Bank – London, England.
s Indonesia Conference 2018 – UBS – Jakarta, Indonesia.
s Digital Awareness Program for Executive – BCA – Jakarta, Indonesia.
s Citi Indonesia Investor Conference 2018 – Citigroup Securities – Jakarta, Indonesia.
s 3rd Annual Indonesia Conference – Credit Suisse – Singapore, Singapore.
s Asia Pacific CEO-CFO Conference – JP Morgan – New York, USA.
s )NDONESIA+NOWLEDGE&ORUMn"#!n*AKARTA)NDONESIA
s 11th Annual dbAccess Indonesia Conference 2018 – Deutsche Bank – Jakarta, Indonesia.
s Refreshment Workshop Risk Management with Octagon: Trend Risk 2019 – BCA – Jakarta, Indonesia.
s Asia Pacific Summit – Morgan Stanley – Singapore, Singapore.
Affiliation
(AS NO lNANCIAL STOCK OWNERSHIP ANDOR FAMILY RELATIONSHIP WITH ANY MEMBER OF THE
"OARDOF#OMMISSIONERSFELLOWMEMBEROFTHE"OARDOF$IRECTORSANDOR"#!CONTROLLING shareholder.
Dual Functions
Holds no position as a member of a Board of Commissioners, a Board of Directors, or executive OFlCERATANOTHERBANKCOMPANYANDORINSTITUTION
2018 Annual Report PT Bank Central Asia Tbk
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Management Discussion and Analysis Management Report
Financial Highlights
Indonesian citizen, aged 43. Domiciled in Indonesia. Appointed as a Deputy President
$IRECTOROF"#!ATTHE!NNUAL'ENERAL-EETINGOF3HAREHOLDERSFORAlVEYEARTERM ANDAPPROVEDBYTHE&INANCIAL3ERVICES!UTHORITY/*+ ON*UNE
Roles and Responsibilities
Deputy President Director of BCA in charge of general supervision of the Network Distribution Director and the Transaction Banking Director, and responsible for Information 4ECHNOLOGY 'ROUP AND OPERATIONAL DIVISIONS NAMELY /PERATION 3TRATEGY $EVELOPMENT Domestic Payment Services, Electronic Banking Services, International Banking Services and Digital Services Divisions. He also supervises the development of PT Central Capital Ventura, a subsidiary operating in venture capital.
Career
Previously a Director of BCA from 2009. He served as Head of Planning and Regional Development of BCA (2004–2009). Prior to joining BCA, Mr. Hartono held various managerial positions at PT Djarum (1998–2004) including Finance Director, Deputy Purchasing Director and Head of Human Resources Department. Armand Wahyudi Hartono was an Analyst for 'LOBAL#REDIT2ESEARCHAND)NVESTMENT"ANKINGAT*0-ORGAN3INGAPOREn
Educational Background and Training
'RADUATEDFROMTHE5NIVERSITYOF#ALIFORNIA3AN$IEGO ANDHOLDSA-ASTEROF3CIENCE degree in Engineering Economic-System and Operation Research (1997) from Stanford University, USA.
In 2018, participated in a number of training programs, seminars and conferences, including:
sAsian Leaders in Financial Institutions (ALFI): Alumni Meet – ALFI NUS – Singapore, Singapore.
s 2EFRESHMENT 2ISK -ANAGEMENT h#YBER 3ECURITY )NTEGRATING /PERATION 2ISKv AND THE Role of Banking in Welcoming the Digitalization of the Capital Market – LSPP – Jakarta, Indonesia.
sDigital Awareness Program for Executive – BCA – Jakarta, Indonesia.
s )NDONESIA+NOWLEDGE&ORUMn"#!n*AKARTA)NDONESIA s 'ARTNER3YMPOSIUMn'ARTNERn"ARCELONA3PAIN sCCV Workshop – BCA – Jakarta, Indonesia.
Affiliation
Has financial and family relationships with BCA controlling shareholders, Robert Budi Hartono AND"AMBANG(ARTONOBUTHASNOlNANCIALSTOCKOWNERSHIPANDORFAMILYRELATIONSHIPWITH ANYMEMBEROFTHE"OARDOF#OMMISSIONERSANDORFELLOWMEMBEROFTHE"OARDOF$IRECTORS
Dual Functions
Holds no position as a member of a Board of Commissioners, a Board of Directors, or executive OFlCERATANOTHERBANKCOMPANYANDORINSTITUTION
Armand Wahyudi Hartono Deputy President Director
2018 Annual Report PT Bank Central Asia Tbk 57
!NNUAL'ENERAL-EETINGOF3HAREHOLDERSANDAPPROVEDBY"ANK)NDONESIAON!UGUST (EWASLASTREAPPOINTEDATTHE!NNUAL'ENERAL-EETINGOF3HAREHOLDERSFOR a five-year term.
Roles and Responsibilities
Director of BCA responsible for Individual Banking, comprising the mortgages, auto loans (four-wheeler and two-wheelers), Individual Customer Business Development, and wealth management business. Also supervises the Sharia banking subsidiary, PT Bank BCA Syariah, as well as the general insurance and life insurance subsidiary, PT Asuransi Umum BCA (BCA Insurance), and PT Asuransi Jiwa BCA (BCA Life).
Career
Prior to joining BCA, he started his career as Systems Analyst at Bank Rakyat Indonesia (BRI) since 1975, and subsequently holding various managerial positions, including Head of the Technology Division (1992–1995), special staff to the Board of Directors (1995–1996), Head of Palembang Region (1996–1998), Head of the Operational Division (1998–2000). Suwignyo Budiman’s last position at BRI was as Head of the Central Java Region. He was also a member of the Proxy Team of the Board of Directors at BCA (May to July 1998).
Educational Background and Training
(OLDS A "ACHELORS DEGREE FROM 5NIVERSITY OF 'ADJAH -ADA AND AN -"! FROM THE University of Arizona, USA (1986).
In 2018, participated in a number of training programs, seminars and conferences, including:
s 2EFRESHMENT 2ISK -ANAGEMENT h#YBER 3ECURITY )NTEGRATING /PERATION 2ISKv AND THE Role of Banking in Welcoming the Digitalization of the Capital Market – LSPP – Jakarta, Indonesia.
sDigital Awareness Program for Executive – BCA – Jakarta, Indonesia.
s )NDONESIA+NOWLEDGE&ORUMn"#!n*AKARTA)NDONESIA
s !3%!.'LOBAL,EADERSHIP0ROGRAM!',0 4RANSFORMING!3%!./RGANIZATIONSTHE Leadership Imperative – University of Cambridge – Cambridge, England.
sIBEX: The Next generation of banking in The Fourth Industrial Transformation – Perbanas – Jakarta, Indonesia.
Affiliation
(AS NO lNANCIAL STOCK OWNERSHIP ANDOR FAMILY RELATIONSHIP WITH ANY MEMBER OF THE
"OARDOF#OMMISSIONERSFELLOWMEMBEROFTHE"OARDOF$IRECTORSANDOR"#!CONTROLLING shareholder.
Dual Functions
Holds no position as a member of a Board of Commissioners, a Board of Directors, or executive OFlCERATANOTHERBANKCOMPANYANDORINSTITUTION
Suwignyo Budiman Director
2018 Annual Report PT Bank Central Asia Tbk
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Management Discussion and Analysis Management Report
Financial Highlights
Indonesian citizen, aged 58. Domiciled in Indonesia. Appointed as a Director of BCA at the
!NNUAL'ENERAL-EETINGOF3HAREHOLDERSANDAPPROVEDBY"ANK)NDONESIAON!UGUST (EWASLASTREAPPOINTEDATTHE!NNUAL'ENERAL-EETINGOF3HAREHOLDERSFOR a five-year term.
Roles and Responsibilities
$IRECTOROF"#!RESPONSIBLEFORTHE#OMPLIANCE7ORK5NIT,EGAL'ROUPAND2ISK-ANAGEMENT Work Unit.
Career
Worked for BCA since 1986 and held several managerial positions including Head of Credit Department at Operational Head Office (1991-1995), Head of Legal Bureau (1995-1999), and Deputy Head of Legal Division (1999-2000). Prior to being appointed to the Board of Directors, he was Head of BCA’s Internal Legal Counsel.
Educational Background and Training
Earned a Bachelor of Law degree from Universitas Sudirman (1986) and completed the Notary Program at Universitas Indonesia Faculty of Law (2002).
Participated in a number of training programs, seminars and conferences in 2018, including:
s 2EFRESHMENT 2ISK -ANAGEMENT h#YBER 3ECURITY )NTEGRATING /PERATION 2ISKv AND THE Role of Banking Industry in Embracing The Digitalization of Financial Market – LSPP Jakarta, Indonesia.
s $IGITAL!WARENESS0ROGRAMFOR%XECUTIVEn"#!n*AKARTA)NDONESIA s )NDONESIA+NOWLEDGE&ORUMn"#!n*AKARTA)NDONESIA
s !3%!.'LOBAL,EADERSHIP0ROGRAM!',0 4RANSFORMING!3%!./RGANIZATIONS4HE Leadership Imperative – University of Cambridge – Cambridge, England.
s 2EFRESHMENT7ORKSHOP2ISK-ANAGEMENT7ITH/CTAGON4REND2ISKn"#!n*AKARTA Indonesia.
Affiliation
(AS NO lNANCIAL STOCK OWNERSHIP ANDOR FAMILY RELATIONSHIP WITH ANY MEMBER OF THE
"OARDOF#OMMISSIONERSFELLOWMEMBEROFTHE"OARDOF$IRECTORSANDOR"#!CONTROLLING shareholder.
Dual Functions
Holds no position as a member of a Board of Commissioners, a Board of Directors, or executive OFlCERATANOTHERBANKCOMPANYANDORINSTITUTION
Subur Tan Director
2018 Annual Report PT Bank Central Asia Tbk 59
%XTRAORDINARY 'ENERAL -EETING OF 3HAREHOLDERS AND APPROVED BY "ANK )NDONESIA ON &EBRUARY (E WAS LAST REAPPOINTED AT THE !NNUAL 'ENERAL -EETING OF Shareholders for a five-year term.
Roles and Responsibilities
Director of BCA responsible for the SME and Commercial banking, including cash management and credit services. He also supervises BCA’s wholly-owned subsidiary, namely PT BCA Finance that works in four-wheeler financing, and PT Central Santosa Finance (CS Finance) that works in two-wheeler financing.
Career
0RIOR TO BEING APPOINTED TO "#!S "OARD OF $IRECTORS (ENRY +OENAIl WAS THE 0RESIDENT Director of PT BCA Finance (2000–2008). He was appointed by the Indonesian Bank Restructuring Agency (IBRA) as the Head of the Management Team of PT Bank Bali Tbk and as a member of the Managing Team of Bank Jaya (1999-2000). He joined BCA in 1989 and has since held various managerial positions both at branches and at the head office. Before BEGINNINGHISCAREERINTHEBANKINGINDUSTRYANDJOINED"#!IN(ENRY+OENAIlWORKED for IBM, a global IT company, for six years.
Educational Background and Training
'RADUATED WITH A BACHELORS DEGREE IN #IVIL %NGINEERING FROM 0ARAHYANGAN #ATHOLIC University (1984), and continued his studies at the Institut Pengembangan Manajemen Indonesia (Indonesian Management Development Institute, IPMI) in 2000. He holds an MBA degree from Monash University, Melbourne, Australia (2001).
In 2018, participated in a number of training programs, seminars and conferences, including:
s Trading Trends 2018 – BCA – Jakarta, Indonesia.
s Asian Leaders in Financial Institutions (ALFI): Alumni Meet – ALFI NUS – Singapore, Singapore.
s -ARK#OOPERSMITH3EMINARh)NNOVATIONAND%NTREPRENEURSHIPINTHE$IGITAL"USINESS%RAv – PT BCA Finance – Jakarta, Indonesia.
s 2EFRESHMENT 2ISK -ANAGEMENT h#YBER 3ECURITY )NTEGRATING /PERATION 2ISKv AND THE Role of Banking in Welcoming the Digitalization of the Capital Market – LSPP – Jakarta, Indonesia.
s Digital Awareness Program for Executive – BCA – Jakarta, Indonesia.
s !3%!.'LOBAL,EADERSHIP0ROGRAMn327#On.EW9ORK53!
s 3EMINAR!3%!."ANKERS!SSOCIATIONh#/&&)43USTAINABLE&INANCEvn0ERBANASn*AKARTA Indonesia.
s The Future of Finance Indonesia 2018 – The Asian Banker – Jakarta, Indonesia.
s )NDONESIA+NOWLEDGE&ORUMn"#!n*AKARTA)NDONESIA
s IBEX: The Next generation of banking in The Fourth Industrial Transformation – Perbanas – Jakarta, Indonesia.
s 3$'SINTHE)NDUSTRY%RA3EMINARn)NDONESIAN-INISTRYOF.ATIONAL$EVELOPMENT 0LANNING00. "APPENASn*AKARTA)NDONESIA
Affiliation
(AS NO lNANCIAL STOCK OWNERSHIP ANDOR FAMILY RELATIONSHIP WITH ANY MEMBER OF THE
"OARDOF#OMMISSIONERSFELLOWMEMBEROFTHE"OARDOF$IRECTORSANDOR"#!CONTROLLING shareholder.
Dual Functions
Holds no position as a member of a Board of Commissioners, a Board of Directors, or executive OFlCERATANOTHERBANKCOMPANYANDORINSTITUTION
Henry Koenaifi Director
2018 Annual Report PT Bank Central Asia Tbk
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Management Discussion and Analysis Management Report
Financial Highlights
Indonesian citizen, aged 59. Domiciled in Indonesia. Appointed as a Director of BCA at the
!NNUAL'ENERAL-EETINGOF3HAREHOLDERSANDAPPROVEDBY"ANK)NDONESIAON!UGUST 25, 2011. Later appointed as an Independent Director of BCA on April 7, 2014. He was last REAPPOINTEDATTHE!NNUAL'ENERAL-EETINGOF3HAREHOLDERSFORAlVEYEARTERM
Roles and Responsibilities
Network Distribution Director responsible for managing, monitoring and supervising daily regional and branch operations, and in charge of branch support divisions, namely the Procurement & Facility Management and Network & Regional Development Division.
Career
Before, he served as BCA’s Head of Regional Office for Jakarta, Surabaya, Medan and Malang (2000–2011). He also served as Branch Manager at BCA Bandung (1995–2000) and at BCA Pekanbaru (1989–1995), and Head of the Credit Department at BCA Pekanbaru (1987–1989).
He joined BCA in 1985 as a trainee in the Medan branch.
Educational Background and Training
Holds a Bachelor of Law degree from University Satyagama (2010) and obtained a master’s degree in Business Law from Trisakti University (2012).
In 2018, participated in a number of training programs, seminars and conferences, including:
sDigital Awareness Program for Executive – BCA – Jakarta, Indonesia.
sCreating Organizational Change Trough Blue Ocean Leadership & Creating a Breakthrough 6ALUE0ROPOSITIONn-ASTER#LASSn+UALA,UMPUR-ALAYSIA
s )NDONESIA+NOWLEDGE&ORUMn"#!n*AKARTA)NDONESIA
Affiliation
(AS NO lNANCIAL STOCK OWNERSHIP ANDOR FAMILY RELATIONSHIP WITH ANY MEMBER OF THE
"OARDOF#OMMISSIONERSFELLOWMEMBEROFTHE"OARDOF$IRECTORSANDOR"#!CONTROLLING shareholder.
Dual Functions
Holds no position as a member of a Board of Commissioners, a Board of Directors, or executive OFlCERATANOTHERBANKCOMPANYANDORINSTITUTION
Erwan Yuris Ang Independent Director
2018 Annual Report PT Bank Central Asia Tbk 61
THE!NNUAL'ENERAL-EETINGOF3HAREHOLDERSANDAPPROVEDBYTHE&INANCIAL3ERVICES
!UTHORITY /*+ ON *ULY (E WAS LAST REAPPOINTED AT THE !NNUAL 'ENERAL Meeting of Shareholders for a five-year term.
Roles and Responsibilities
$IRECTOROF"#!RESPONSIBLEFORTHE#ORPORATE"ANKING'ROUP#ORPORATE"RANCH4REASURY Division and International Banking Division. Also supervises BCA’s wholly-owned subsidiary in remittance service, BCA Finance Limited, and securities subsidiary, PT BCA Sekuritas.
Career
Since joining BCA in 2002 and Rudy Susanto has held several managerial positions, including
%XECUTIVE6ICE0RESIDENTOFTHE#REDIT2ISK!NALYSIS'ROUPn (EADOFTHE#REDIT 2ISK !NALYSIS 'ROUP n AND (EAD OF THE #REDIT $IVISION n 0RIOR TO joining BCA, he worked at the Indonesian Bank Restructuring Agency (IBRA) as Head of the Loan Work Out II Division (2001–2002) and Senior Credit Officer (1999–2001). He also served at PT Bank LTCB Central Asia (a joint venture between the Long-Term Credit Bank of Japan Ltd. and PT Bank Central Asia Tbk) as Vice President of Corporate Finance (1998–1999), Senior Manager of Corporate Finance (1996–1998), Manager of Corporate Finance (1995), and Assistant Manager of Corporate Finance (1994). He started his career at PT Bank Danamon Indonesia Tbk in 1992 as a trainee in the Credit Marketing Program.
Educational Background and Training
'RADUATED WITH A BACHELORS DEGREE IN #IVIL %NGINEERING FROM 4ARUMANAGARA 5NIVERSITY AND EARNED AN -"! IN &INANCE FROM THE 5NIVERSITY OF 4ENNESSEE +NOXVILLE 53!
(1992).
In 2018, participated in a number of training programs, seminars and conferences, including:
s Trading Trends 2018 – BCA – Jakarta, Indonesia.
s Digital Awareness Program for Executive – BCA – Jakarta, Indonesia.
s )NDONESIA+NOWLEDGE&ORUMn"#!n*AKARTA)NDONESIA
s Refreshment Workshop Risk Management with Octagon: Trend Risk 2019 – BCA – Jakarta, Indonesia.
s ")!NNUAL-EETINGSh3YNERGYFOR2ESILIENCEAND'ROWTHvn"ANK)NDONESIAn*AKARTA Indonesia.
Affiliation
(AS NO lNANCIAL STOCK OWNERSHIP ANDOR FAMILY RELATIONSHIP WITH ANY MEMBER OF THE
"OARDOF#OMMISSIONERSFELLOWMEMBEROFTHE"OARDOF$IRECTORSANDOR"#!CONTROLLING shareholder.
Dual Functions
Holds no position as a member of a Board of Commissioners, a Board of Directors, or executive OFlCERATANOTHERBANKCOMPANYANDORINSTITUTION
Rudy Susanto Director
2018 Annual Report PT Bank Central Asia Tbk
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Management Discussion and Analysis Management Report
Financial Highlights
Indonesian citizen, aged 67. Domiciled in Indonesia. Appointed as a Director of BCA at the !NNUAL 'ENERAL -EETING OF 3HAREHOLDERS FOR A lVEYEAR TERM AND APPROVED BY THE
&INANCIAL3ERVICES!UTHORITY/*+ ON!UGUST
Roles and Responsibilities
Director of BCA responsible for Credit Analysis and Credit Recovery.
Career
Since joining BCA in 1980, Inawaty Handojo has held various managerial positions in internal audit, including Head of Internal Audit Bureau (1985–1988), Deputy Head of Internal Audit Division (1988–1990), and Head of Internal Audit Division (1990–2008). She then served as a MEMBER OF THE !UDIT #OMMITTEE n AND THE )NTEGRATED 'OVERNANCE #OMMITTEE (2015–2016). Inawaty Handojo was an active lecturer at one university and several internal audit training institutions in Jakarta (2000–2016), while actively serving as a consultant in various internal audit projects (2010–2016). Prior to joining BCA, she served as the Head of Finance at PT Naintex, a textile company (1976–1980).
Educational Background and Training
Holds two bachelor degrees from the Economic Faculty of Parahyangan Catholic University, Bandung in Management (1976) and Accounting (1979) and a Master of Management degree from Prasetya Mulya Business School, Jakarta (2003).
In 2018, participated in a number of training programs, seminars and conferences, including:
s2EFRESHMENT2ISK-ANAGEMENTh#YBER3ECURITY)NTEGRATING/PERATION2ISKvANDTHE Role of Banking
in Welcoming the Digitalization of the Capital Market – LSPP – Jakarta, Indonesia.
sDigital Awareness Program for Executive – BCA – Jakarta, Indonesia.
s 03!+)&23n$ELOITTE#ONSULTANT)NDONESIAn*AKARTA)NDONESIA
sIndonesia Sustainability Financial Initiative Launch & CEO Dialogue on Sustainable Financial - WWF Indonesia - Jakarta, Indonesia.
sMedia Training for Board of Directors – BCA – Jakarta, Indonesia.
sBank Assessment Report related to ASEAN 2018 Banking Sustainability Report – WWF Indonesia – Jakarta, Indonesia.
s )NDONESIA+NOWLEDGE&ORUMn"#!n*AKARTA)NDONESIA
sRefreshment Workshop Risk Management With Octagon: Trend Risk 2019 – BCA – Jakarta, Indonesia.
Affiliation
(AS NO lNANCIAL STOCK OWNERSHIP ANDOR FAMILY RELATIONSHIP WITH ANY MEMBER OF THE
"OARDOF#OMMISSIONERSFELLOWMEMBEROFTHE"OARDOF$IRECTORSANDOR"#!CONTROLLING shareholder.
Dual Functions
Holds no position as a member of a Board of Commissioners, a Board of Directors, or executive OFlCERATANOTHERBANKCOMPANYANDORINSTITUTION
Inawaty Handojo Director
2018 Annual Report PT Bank Central Asia Tbk 63
!NNUAL 'ENERAL -EETING OF 3HAREHOLDERS FOR A lVEYEAR TERM AND APPROVED BY THE
&INANCIAL3ERVICES!UTHORITY/*+ ON!UGUST
Roles and Responsibilities
Director of BCA responsible for Transaction Banking Business Development & Marketing, Transaction Banking Partnership Solution Development, Transaction Banking Product Development, and Transaction Banking Business Support & Services.
Career
0REVIOUSLY HE WORKED AS THE (EAD OF #ONSUMER #ARD "USINESS 3ERVICES 3UPPORT 'ROUP (2015–2016). His career with BCA began in 1992 as Head of Supporting Administration Department. Throughout his career, he has held various managerial positions, such as Head of Marketing for Non-Jabodetabek II Area (1996–1998), Chief of Area Marketing Bureau (1998–2000), Deputy Head of Consumer Network Division, Deputy Head of Network Services Division, and Deputy Head of Network & Sales (2000–2005), Head of Small & Medium Business Division (2005–2009), Head of Credit Card Business Unit (2009–2012), Head of Merchant and
#ONSUMER #REDIT #ARD 'ROUP n -R 3ANTOSO WAS ALSO ACTIVE AS (EAD OF $ANA Pensiun BCA, a pension fund company (2003–April 2016), and as Commissioner of PT Abacus Cash Solution, a cash management service provider (2010–April 2016).
Educational Background and Training
'RADUATED WITH A DEGREE FROM THE &ACULTY OF %NGINEERING OF 4RISAKTI 5NIVERSITY *AKARTA (1989).
In 2018, participated in a number of training programs, seminars and conferences, including:
s 2EFRESHMENT 2ISK -ANAGEMENT h#YBER 3ECURITY )NTEGRATING /PERATION 2ISKv AND THE Role of Banking in Welcoming the Digitalization of the Capital Market – LSPP – Jakarta, Indonesia.
s Digital Awareness Program for Executive – BCA – Jakarta, Indonesia.
s Taksila Banking Forum Leadership Program 2018 : Navigating The Next Wave of Revolution n+ASIKORN"ANKn"ANGKOK4HAILAND
s )NDONESIA+NOWLEDGE&ORUMn"#!n*AKARTA)NDONESIA
s &INANCIAL 4ECHNOLOGY AND )TS )MPACT ON THE #ULTURE "EST 0RACTICE IN "#! n 5'- n Yogyakarta, Indonesia.
s )"%84HE.EXT'ENERATIONOF"ANKINGIN4HE&OURTH)NDUSTRIAL4RANSFORMATIONn0ERBANAS – Jakarta, Indonesia.
Affiliation
(AS NO lNANCIAL STOCK OWNERSHIP ANDOR FAMILY RELATIONSHIP WITH ANY MEMBER OF THE
"OARDOF#OMMISSIONERSFELLOWMEMBEROFTHE"OARDOF$IRECTORSANDOR"#!CONTROLLING shareholder.
Dual Functions
Holds no position as a member of a Board of Commissioners, a Board of Directors, or executive OFlCERATANOTHERBANKCOMPANYANDORINSTITUTION
Santoso Director