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MANAGEMENT MANAGEMENT 01 HSBC SINGAPORE BRANCH PRIVATE BANKING DIVISION - 3 CHURCH STREET, 13-02, SAMSUNG HUB, SINGAPORE CMNT PT Bank HSBC Indonesia SINGAPORE … MANAGEMENT MANAGEMENT 01 SINARMAS LAND PLAZA MENARA 2 LT.24 JL MH THAMRIN FREN SINARMAS SEKURITAS, PT PT. DIAN SWASTATIKA SENTOSA Tbk INDONESIA

MANAGEMENT MANAGEMENT 01 3 CHURCH STREET, 13-02, SAMSUNG HUB, SINGAPORE CMNT PT Bank HSBC Indonesia BNPP SIN/2S/WH INVESTMENTS PTE. LTD. SINGAPORE … MANAGEMENT MANAGEMENT 01 SINARMAS LAND PLAZA MENARA 2 LT.24 JL MH THAMRIN FREN SINARMAS SEKURITAS, PT PT. DIAN SWASTATIKA SENTOSA Tbk INDONESIA

MANAGEMENT MANAGEMENT 01 CMNT MANDIRI SEKURITAS, PT WH INVESTMENTS PTE LTD 3 CHURCH STREET 13-02 SAMSUNG HUB SINGAPORE SINGAPORE … MANAGEMENT MANAGEMENT 01 SINARMAS LAND PLAZA MENARA 2 LT.24 JL MH THAMRIN FREN SINARMAS SEKURITAS, PT PT. DIAN SWASTATIKA SENTOSA Tbk INDONESIA

MANAGEMENT MANAGEMENT 01 DB SG WM CLT PT WH INVESTMENTS PTE LTD.- CMNT BUT DEUTSCHE BANK AG 3 CHURCH STREET HEX13-02 SAMSUNG HUB SINGAPORE 049483 SINGAPORE … MANAGEMENT MANAGEMENT 01 SINARMAS LAND PLAZA MENARA 2 LT.24 JL MH THAMRIN FREN SINARMAS SEKURITAS, PT PT. DIAN SWASTATIKA SENTOSA Tbk INDONESIA

Level 3 Risk Management Certification - Risk Management Certification Body (BSMR) • Level 2 Risk Management Certification - Risk Management Certification Body (BSMR) • Level 1 Risk Management Certification - Risk Management Certification Body (BSMR … Management Subdivision and the Operational Risk Management Subdivision and Others. Director Risk management Vice President Risk management AVP Market, Liquidity and AVP AVP Management Corporate Risk Management Credit Risk Management

ketentuan dan tepat contegency plan pada Business Business Continuity waktu sesuai target. Continuity Management System Management System (BCMS) (minimal 1x dalam (BCMS) dilaksanakan sesuai setahun). dengan ketentuan Pemantauan dan evaluasi … Meeting 9 28-30 Agustus 2023 Ciptadana Asset Management One On One Meeting Semesta Asset Management Wanteg Asset Management GAP Capital BNI Life BCA Sekuritas 10 22 September

MANAGEMENT MANAGEMENT 01 3 CHURCH STREET, 13-02, SAMSUNG HUB, SINGAPORE CMNT PT Bank HSBC Indonesia BNPP SIN/2S/WH INVESTMENTS PTE. LTD. SINGAPORE … MANAGEMENT MANAGEMENT 01 FREN PT SUPRA SEKURITAS INDONESIA PT DIAN SWASTATIKA SENTOSA TBK GEDUNG SINAR MAS LAND PLAZA MENARA 2 LT.24 INDONESIA

ITSEC ASIA, Tbk Jumlah Persentase No Nama & Alamat Pemegang Saham Saham Saham 1 INV Management Pte. Ltd 3,139,336,097 48.680/o 112 Robinson Road #11-04 Robinson … Aiamai Pemesang Saham Saham Saham 1 INV Management Pte" Ltd 112 Robinsofi Road #11-0+ 3,139,336"097 4$.68olo Robinson L1? N*. Ledg*r: *Oecili 2 ME Investment

Bulan Saham Bulan Pengendali Afiliasi Sebelumnya Sebelumny Ini Ini a INV 112 Robinson 3.139.336.097 48,68% 3.139.336.09 48,68% Management Road, # 11-04, 7 X Robinson 112, Singapore … Shares in Controller Affiliation Previous Previous Current Current INV 112 Robinson 3,139,336,097 48.68% 3,139,336,09 48.68% Management Road, # 11-04, 7 X Robinson 112, Singapore

MANAGEMENT MANAGEMENT 01 3 CHURCH STREET, 13-02 SAMSUNG HUB, SINGAPORE CMNT BUT. STANDARD CHARTERED BANK SCB SG PVB A/C WH INVESTMENTS PTE LTD SINGAPORE … MANAGEMENT MANAGEMENT 01 SINARMAS LAND PLAZA MENARA 2 LT.24 JL MH THAMRIN FREN SINARMAS SEKURITAS, PT PT. DIAN SWASTATIKA SENTOSA Tbk INDONESIA

Credit Policy Asset & Liability Credit Committee Business Committee Management Committee Committe Committee Performance Technology Human Capital Risk Management and Subsidiaries’ Management Management Committee Anti Fraud Committee Committee Committee Committee Informations … namely minimizing operation handling costs. Payment Management, Collection Management, and c. Payment Management Liquidity Management. Management of payment transactions from BNI a. Collection Management which makes it easy for Institutional/Company

Keuangan SERTIFIKASI ISO 9001:2015 Quality Management ISO 30301:2019 Quality Management ISO 9001:2015 Quality Management ISO 9001:2015 Quality Management Systems untuk BNI Contact Center System for Provision … Value Proposition Mission Competency Based Human Performance Management Learning & Development Recruitment & Selection Human Capital Planning Work Culture Reward Management Capital Management Career Management Provide Termination Shareholder Value Through Increased People

MANAGEMENT MANAGEMENT 01 UBS AG SINGAPORE S/A WH INVESTMENTS PTE. LTD.- CMNT BUT DEUTSCHE BANK AG 3 CHURCH STREET HEX13-02 SAMSUNG HUB SINGAPORE 049483 SINGAPORE … MANAGEMENT MANAGEMENT 01 SINARMAS LAND PLAZA MENARA 2 LT.24 JL MH FREN SINARMAS SEKURITAS, PT PT. DIAN SWASTATIKA SENTOSA Tbk INDONESIA

MANAGEMENT MANAGEMENT 01 DB SG WM CLT PT WH INVESTMENTS PTE LTD.- CMNT BUT DEUTSCHE BANK AG 3 CHURCH STREET HEX13-02 SAMSUNG HUB SINGAPORE 049483 SINGAPORE … MANAGEMENT MANAGEMENT 01 SINARMAS LAND PLAZA MENARA 2 LT.24 JL MH FREN SINARMAS SEKURITAS, PT PT. DIAN SWASTATIKA SENTOSA Tbk INDONESIA

MAIN MANAGEMENT COMPANY COMPANY MANAGEMENT DISCUSSION & HIGHLIGHTS REPORTS PROFILE PROFILE ANALYSIS PROFILE OF THE BOARD OF DIRECTORS • Risk Management Certification Refresher Program for Cyber Risk Management and Financial Crime … MAIN MANAGEMENT COMPANY COMPANY MANAGEMENT DISCUSSION & HIGHLIGHTS REPORTS PROFILE PROFILE ANALYSIS PROFILE OF THE BOARD OF DIRECTORS • Certified Professional Management Accountant held by The Indonesian Institute of Management Accountant

Marketing Group Serlina Sari Wijaya Special Asset Management 1 Group Faiz Firdausi Special Asset Management 2 Group Prihanto Herbowo Special Asset Management 3 Group Chandra Legal Group Dedy Teguh Krisnawan … Performance & RemuneRation mengelola Reward Management, Performance Management, Organization Development, Strategic Workforce Program. • HC Strategy & Talent Management mengelola Leadership Development, Management Development, Emerging Leaders Development, Talent Management, HC Strategy & Analytics

Risk Management Secretary R. Wahyu B. Adee Indriana D Kusumarjono Henri Ari Wibawa Rahmayati Ramon Armando Witjaksono Learning Finance & Enterprise Risk Policy & Procedure Customer Care Management Accounting Management L. Esti … Kualitas Pembiayaan Tema Strategi Inisiatif 1. Memperkuat Collection Management System. a. Memperkuat collection management system - segmen konsumer. b. Memperkuat collection management system - segmen komersial. c. Percepatan penyelesaian dokumen pokok

Management Agency Management of Hajj funds Halal Product Assurance Organizing Agency Fund management Environmental Fund Management Agency Fund management Public Housing Savings Management Agency Fund management Educational Fund Management Institution … Madani (Persero) Fund management PT Jaminan Kredit Indonesia Fund management PT Jamkrindo Syariah Fund management PT Reasuransi Indonesia Utama Fund management PT Penjaminan Infrastruktur Indonesia Fund management PT Sarana Multigriya

Kusuma Director Management (Kanwil & (FC) (DJW) #) Cabang) - Branch Network DPD2 DKS DFC Management (JPW) - Procurement & Facility DKR DKS DTP Management (LOG) 10 Antonius Widodo Risk Management - Risk Management … Organisasi Manajemen Risiko RISK MANAGEMENT OPERATIONAL CREDIT MARKET ENTERPRISE BUSINESS CONTINUITY & CYBER SECURITY RISK MANAGEMENT RISK MANAGEMENT RISK MANAGEMENT RISK MANAGEMENT CRISIS MANAGEMENT RISK MANAGEMENT Gambaran Umum Sistem Manajemen Risiko

MANAGEMENT MANAGEMENT 01 UBS AG SINGAPORE S/A WH INVESTMENTS PTE. LTD.- CMNT BUT DEUTSCHE BANK AG 3 CHURCH STREET HEX13-02 SAMSUNG HUB SINGAPORE 049483 SINGAPORE … MANAGEMENT MANAGEMENT 01 FREN PT SUPRA SEKURITAS INDONESIA PT DIAN SWASTATIKA SENTOSA TBK GEDUNG SINAR MAS LAND PLAZA MENARA 2 LT.24 INDONESIA

MANAGEMENT MANAGEMENT 01 CMNT MANDIRI SEKURITAS, PT WH INVESTMENTS PTE LTD 3 CHURCH STREET 13-02 SAMSUNG HUB SINGAPORE SINGAPORE … MANAGEMENT MANAGEMENT 01 SINARMAS LAND PLAZA MENARA 2 LT.24 JL MH FREN SINARMAS SEKURITAS, PT PT. DIAN SWASTATIKA SENTOSA Tbk INDONESIA

MANAGEMENT MANAGEMENT 01 DB SG WM CLT PT WH INVESTMENTS PTE LTD.- CMNT BUT DEUTSCHE BANK AG 3 CHURCH STREET HEX13-02 SAMSUNG HUB SINGAPORE 049483 SINGAPORE … MANAGEMENT MANAGEMENT 01 SINARMAS LAND PLAZA MENARA 2 LT.24 JL MH FREN SINARMAS SEKURITAS, PT PT. DIAN SWASTATIKA SENTOSA Tbk INDONESIA

MANAGEMENT MANAGEMENT 01 DB SG WM CLT PT WH INVESTMENTS PTE LTD.- CMNT BUT DEUTSCHE BANK AG 3 CHURCH STREET HEX13-02 SAMSUNG HUB SINGAPORE 049483 SINGAPORE … MANAGEMENT MANAGEMENT 01 SINARMAS LAND PLAZA MENARA 2 LT.24 JL MH FREN SINARMAS SEKURITAS, PT PT. DIAN SWASTATIKA SENTOSA Tbk INDONESIA

MANAGEMENT MANAGEMENT 01 DB SG WM CLT PT WH INVESTMENTS PTE LTD.- CMNT BUT DEUTSCHE BANK AG 3 CHURCH STREET HEX13-02 SAMSUNG HUB SINGAPORE 049483 SINGAPORE … MANAGEMENT MANAGEMENT 01 SINARMAS LAND PLAZA MENARA 2 LT.24 JL MH FREN SINARMAS SEKURITAS, PT PT. DIAN SWASTATIKA SENTOSA Tbk INDONESIA

MANAGEMENT MANAGEMENT 01 3 CHURCH STREET, 13-02 SAMSUNG HUB, SINGAPORE CMNT BUT. STANDARD CHARTERED BANK SCB SG PVB A/C WH INVESTMENTS PTE LTD SINGAPORE … MANAGEMENT MANAGEMENT 01 SINARMAS LAND PLAZA MENARA 2 LT.24 JL MH FREN SINARMAS SEKURITAS, PT PT. DIAN SWASTATIKA SENTOSA Tbk INDONESIA

strategies Liability perseroan (Asset & Liabilities Management); (Asset and Liabilities Management); 2. Menetapkan dan mengevaluasi kebijakan serta 2. Assessing and reviewing liquidity management strategis pengelolaan likuiditas untuk menjaga policies and strategies … Compensation & Benefit, Compensation & Benefits, Employee Relations, Employee Relation, Career Management, Industrial Career Management, Industrial Relations, and Relation, Separation Management; Separation Management policies. - Melakukan pengembangan Human Capital - Developing the Human Capital

MANAGEMENT MANAGEMENT 01 3 CHURCH STREET, 13-02 SAMSUNG HUB, SINGAPORE CMNT BUT. STANDARD CHARTERED BANK SCB SG PVB A/C WH INVESTMENTS PTE LTD SINGAPORE … MANAGEMENT MANAGEMENT 01 FREN PT SUPRA SEKURITAS INDONESIA PT DIAN SWASTATIKA SENTOSA TBK GEDUNG SINAR MAS LAND PLAZA MENARA 2 LT.24 INDONESIA

MANAGEMENT MANAGEMENT 01 3 CHURCH STREET, 13-02 SAMSUNG HUB, SINGAPORE CMNT BUT. STANDARD CHARTERED BANK SCB SG PVB A/C WH INVESTMENTS PTE LTD SINGAPORE … MANAGEMENT MANAGEMENT 01 FREN PT SUPRA SEKURITAS INDONESIA PT DIAN SWASTATIKA SENTOSA TBK GEDUNG SINAR MAS LAND PLAZA MENARA 2 LT.24 INDONESIA

MANAGEMENT MANAGEMENT 01 3 CHURCH STREET, 13-02 SAMSUNG HUB, SINGAPORE CMNT BUT. STANDARD CHARTERED BANK SCB SG PVB A/C WH INVESTMENTS PTE LTD SINGAPORE … MANAGEMENT MANAGEMENT 01 FREN PT SUPRA SEKURITAS INDONESIA PT DIAN SWASTATIKA SENTOSA TBK GEDUNG SINAR MAS LAND PLAZA MENARA 2 LT.24 INDONESIA

MANAGEMENT MANAGEMENT 01 DB SG WM CLT PT WH INVESTMENTS PTE LTD.- CMNT BUT DEUTSCHE BANK AG 3 CHURCH STREET HEX13-02 SAMSUNG HUB SINGAPORE 049483 SINGAPORE … MANAGEMENT MANAGEMENT 01 SINARMAS LAND PLAZA MENARA 2 LT.24 JL MH THAMRIN FREN SINARMAS SEKURITAS, PT PT. DIAN SWASTATIKA SENTOSA Tbk INDONESIA

MANAGEMENT MANAGEMENT 01 DB SG WM CLT PT WH INVESTMENTS PTE LTD.- CMNT BUT DEUTSCHE BANK AG 3 CHURCH STREET HEX13-02 SAMSUNG HUB SINGAPORE 049483 SINGAPORE … MANAGEMENT MANAGEMENT 01 SINARMAS LAND PLAZA MENARA 2 LT.24 JL MH THAMRIN FREN SINARMAS SEKURITAS, PT PT. DIAN SWASTATIKA SENTOSA Tbk INDONESIA

MANAGEMENT MANAGEMENT 01 DB SG WM CLT PT WH INVESTMENTS PTE LTD.- CMNT BUT DEUTSCHE BANK AG 3 CHURCH STREET HEX13-02 SAMSUNG HUB SINGAPORE 049483 SINGAPORE … MANAGEMENT MANAGEMENT 01 SINARMAS LAND PLAZA MENARA 2 LT.24 JL MH THAMRIN FREN SINARMAS SEKURITAS, PT PT. DIAN SWASTATIKA SENTOSA Tbk INDONESIA

MANAGEMENT MANAGEMENT 01 CMNT MANDIRI SEKURITAS, PT WH INVESTMENTS PTE LTD 3 CHURCH STREET 13-02 SAMSUNG HUB SINGAPORE SINGAPORE … MANAGEMENT MANAGEMENT 01 FREN PT SUPRA SEKURITAS INDONESIA PT DIAN SWASTATIKA SENTOSA TBK GEDUNG SINAR MAS LAND PLAZA MENARA 2 LT.24 INDONESIA

MANAGEMENT MANAGEMENT 01 3 CHURCH STREET, 13-02 SAMSUNG HUB, SINGAPORE CMNT BUT. STANDARD CHARTERED BANK SCB SG PVB A/C WH INVESTMENTS PTE LTD SINGAPORE … MANAGEMENT MANAGEMENT 01 SINARMAS LAND PLAZA MENARA 2 LT.24 JL MH THAMRIN FREN SINARMAS SEKURITAS, PT PT. DIAN SWASTATIKA SENTOSA Tbk INDONESIA

INV E S T ING ACT IV IT IE S F rom T ier 2 ( % ) 3.21% 3.21% 3.23% 3.19% C ap ital … Investment in equity share - - MANAGEMENT As of 3 1 De c e mbe r 2 0 2 3 Purchases of fixed assets (215,390) (194,386) 2 Option

MANAGEMENT MANAGEMENT 01 CMNT MANDIRI SEKURITAS, PT WH INVESTMENTS PTE LTD 3 CHURCH STREET 13-02 SAMSUNG HUB SINGAPORE SINGAPORE … MANAGEMENT MANAGEMENT 01 FREN PT SUPRA SEKURITAS INDONESIA PT DIAN SWASTATIKA SENTOSA TBK GEDUNG SINAR MAS LAND PLAZA MENARA 2 LT.24 INDONESIA

MANAGEMENT MANAGEMENT 01 3 CHURCH STREET, 13-02 SAMSUNG HUB, SINGAPORE CMNT BUT. STANDARD CHARTERED BANK SCB SG PVB A/C WH INVESTMENTS PTE LTD SINGAPORE … MANAGEMENT MANAGEMENT 01 FREN PT SUPRA SEKURITAS INDONESIA PT DIAN SWASTATIKA SENTOSA TBK GEDUNG SINAR MAS LAND PLAZA MENARA 2 LT.24 INDONESIA

risk management policies, b. Risk Management Committee i.e. Credit Risk Policy, Operational Risk Management At the BOD level, a Risk Management Committee Policy, Market and Liquidity Risk Management Policy … officers. DISCUSSION & ANALYSIS MANAGEMENT Board of Commissioners Risk Oversight Committee Board of Directors OPERATIONAL REVIEW Integrated Risk Management Risk Management Committee Committee Risk Management in Risk Management Directorate Subsidiary

MANAGEMENT MANAGEMENT 01 3 CHURCH STREET, 13-02 SAMSUNG HUB, SINGAPORE CMNT BUT. STANDARD CHARTERED BANK SCB SG PVB A/C WH INVESTMENTS PTE LTD SINGAPORE … MANAGEMENT MANAGEMENT 01 FREN PT SUPRA SEKURITAS INDONESIA PT DIAN SWASTATIKA SENTOSA TBK GEDUNG SINAR MAS LAND PLAZA MENARA 2 LT.24 INDONESIA

MANAGEMENT MANAGEMENT 01 DB SG WM CLT PT WH INVESTMENTS PTE LTD.- CMNT BUT DEUTSCHE BANK AG 3 CHURCH STREET HEX13-02 SAMSUNG HUB SINGAPORE 049483 SINGAPORE … MANAGEMENT MANAGEMENT 01 FREN PT SUPRA SEKURITAS INDONESIA PT DIAN SWASTATIKA SENTOSA TBK GEDUNG SINAR MAS LAND PLAZA MENARA 2 LT.24 INDONESIA

INV E S T ING ACT IV IT IE S F rom T ier 2 ( % ) 3.21% 3.21% 3.23% 3.19% C ap ital … Investment in equity share - - MANAGEMENT As of 3 1 De c e mbe r 2 0 2 3 Purchases of fixed assets (215,390) (194,386) 2 Option

MANAGEMENT MANAGEMENT 01 UBS AG SINGAPORE S/A WH INVESTMENTS PTE. LTD.- CMNT BUT DEUTSCHE BANK AG 3 CHURCH STREET HEX13-02 SAMSUNG HUB SINGAPORE 049483 SINGAPORE … MANAGEMENT MANAGEMENT 01 SINARMAS LAND PLAZA MENARA 2 LT.24 JL MH THAMRIN FREN SINARMAS SEKURITAS, PT PT. DIAN SWASTATIKA SENTOSA Tbk INDONESIA

MANAGEMENT MANAGEMENT 01 HSBC SINGAPORE BRANCH PRIVATE BANKING DIVISION - 3 CHURCH STREET, 13-02, SAMSUNG HUB, SINGAPORE CMNT PT Bank HSBC Indonesia SINGAPORE … MANAGEMENT MANAGEMENT 01 FREN PT SUPRA SEKURITAS INDONESIA PT DIAN SWASTATIKA SENTOSA TBK GEDUNG SINAR MAS LAND PLAZA MENARA 2 LT.24 INDONESIA

ITSEC ASIA, Tbk Jumlah Persentase No Nama & Alamat Pemegang Saham Saham Saham 1 INV Management Pte. Ltd 3,t39,336,097 48.680/o 112 Robinson Road #11-04 Robinson … Status lumlah Persentase No Nama Pemegang Saham Alamat Pemegang Saham All Saham Saham 1 INV Management Pte. Ltd 112 Robinson Road

Bulan Saham Bulan Pengendali Afiliasi Sebelumnya Sebelumny Ini Ini a INV 112 Robinson 3.139.336.097 48,68% 3.139.336.09 48,68% Management Road, # 11-04, 7 X Robinson 112, Singapore … Shares in Controller Affiliation Previous Previous Current Current INV 112 Robinson 3,139,336,097 48.68% 3,139,336,09 48.68% Management Road, # 11-04, 7 X Robinson 112, Singapore

MANAGEMENT MANAGEMENT 01 DB SG WM CLT PT WH INVESTMENTS PTE LTD.- CMNT BUT DEUTSCHE BANK AG 3 CHURCH STREET HEX13-02 SAMSUNG HUB SINGAPORE 049483 SINGAPORE … MANAGEMENT MANAGEMENT 01 SINARMAS LAND PLAZA MENARA 2 LT.24 JL MH THAMRIN FREN SINARMAS SEKURITAS, PT PT. DIAN SWASTATIKA SENTOSA Tbk INDONESIA

MANAGEMENT MANAGEMENT 01 DB SG WM CLT PT WH INVESTMENTS PTE LTD.- CMNT BUT DEUTSCHE BANK AG 3 CHURCH STREET HEX13-02 SAMSUNG HUB SINGAPORE 049483 SINGAPORE … MANAGEMENT MANAGEMENT 01 SINARMAS LAND PLAZA MENARA 2 LT.24 JL MH THAMRIN FREN SINARMAS SEKURITAS, PT PT. DIAN SWASTATIKA SENTOSA Tbk INDONESIA

Main Management Company Management Discussion Highlights Report Profile and Analysis ASSET & LIABILITIES MANAGEMENT (ALM) AND ASSET & LIABILITIES MANAGEMENT COMMITTEE (ALCO) Assets &Liabilities Management (ALM) Assets & Liabilities Management … Management 2. Maybank Sekuritas Indonesia: Head, Risk Management (alternate: Head, Compliance) 3. Maybank Asset Management: Head, Compliance & Risk Management (alternate: Head, Risk Management) 4. Maybank Indonesia Finance: Head, Risk Management

Technology Risk Portofolio Risk & Business Consumer & Strategic Risk Management Credit Risk Management Remedial Management & Policy Continuity Collection Management Management 1st Line of Defence 2nd Line of Defence 3rd Line … Management 2. Maybank Sekuritas Indonesia: Head, Risk Management (alternate: Head, Compliance) 3. Maybank Asset Management: Head, Compliance & Risk Management (alternate: Head, Risk Management) 4. Maybank Indonesia Finance: Head, Risk Management

Risk Management Infrastructure Pengelolaan infrastruktur manajemen risiko menyediakan Risk management infrastructure management provides infrastruktur manajemen risiko dalam pengelolaan risiko di risk management infrastructure for risk management in the perusahaan, agar … Risk Management capabilities. d. Benchmarking Manajemen Risiko. d. Risk Management Benchmarking. 3. Integrasi Manajemen Risiko 3. Risk Management Integration Pengelolaan integrasi manajemen risiko melaksanakan Risk management integration management carries