Organizational Structure

The organizational structure of BNI finance as of 10 November 2025 is outlined as follows:

Directors are appointed and dismissed by the General Meeting of Shareholders (RUPS). The term of office for Directors is 5 (five) years from the date of appointment. Below are brief profiles of each member of the Board of Directors of PT BNI Multifinance.

**Muhammad Jufri*)**

President Director

Indonesian citizen, 56 years of age. Appointed as President Director of BNI finance pursuant to the Deed of the Annual General Meeting of Shareholders (AGMS) No. 41, dated 30 June 2026.

He earned a Bachelor's Degree in Accounting from Bandung Islamic University (1993) and a Master's Degree in Management from Trisakti University (2017).

He has extensive experience in Credit Risk Management. Prior to his appointment, he served as SEVP (Senior Executive Vice President) Risk Management at PT BNI Multifinance (2025), Credit Risk Senior Executive at PT Bank Negara Indonesia (Persero) Tbk. (2024), and as Commercial Credit Risk Division Head at PT Bank Negara Indonesia (Persero) Tbk. (2023).

He has no affiliated relationship with any member of the Board of Commissioners, the Board of Directors, or the Company's Controlling Shareholders and Major Shareholders.

*) Subject to the Financial Services Authority (OJK) Fit and Proper Test

See detail

**Aryani Dwi Satiti*)**

Director Finance, IT, & Operational

Indonesian citizen, 53 years of age. Appointed as Director of BNI Finance pursuant to the Deed of the Annual General Meeting of Shareholders (AGMS) No. 41, dated 30 June 2026.

She earned a Bachelor's Degree in Forestry from Gadjah Mada University (1998) and a Master's Degree in Finance from Gadjah Mada University (1995).

She has extensive experience in Credit Risk Management, particularly in Corporate and Enterprise Credit Risk. Prior to her appointment, she served as EVP Senior Credit Risk Executive at PT Bank Negara Indonesia (Persero) Tbk. (2026), Senior Credit Risk Executive at PT Bank Negara Indonesia (Persero) Tbk. (2025), Corporate & Enterprise Credit Risk Division Head at PT Bank Negara Indonesia (Persero) Tbk. (2024), Acting Corporate & Enterprise Credit Risk Division Head at PT Bank Negara Indonesia (Persero) Tbk. (2023), and Senior Business Executive at PT Bank Negara Indonesia (Persero) Tbk. (2023).

She has no affiliated relationship with any member of the Board of Commissioners, the Board of Directors, or the Company's Controlling Shareholders and Major Shareholders.

*) Subject to the Financial Services Authority (OJK) Fit and Proper Test

See detail

**IDGN Yoga Pratama*)**

Director Business

Indonesian citizen, 47 years of age. Appointed as Director of BNI finance pursuant to the Deed of the Annual General Meeting of Shareholders (AGMS) No. 41 dated 30 June 2026.

He earned a Bachelor's Degree in Accounting from Atma Jaya Catholic University of Indonesia (2002) and a Master's Degree in Management from Atma Jaya Catholic University of Indonesia (2006).

He has extensive experience in the banking industry. Prior to his appointment, he served as Enterprise Banking 2 Division at PT Bank Negara Indonesia (Persero) Tbk. (2025), Commercial Banking 1 Division Head at PT Bank Negara Indonesia (Persero) Tbk. (2024), Acting Commercial Banking 1 Division Head at PT Bank Negara Indonesia (Persero) Tbk. (2023), and Area Head at PT Bank Negara Indonesia (Persero) Tbk. (2023).

He has no affiliated relationship with any member of the Board of Commissioners, the Board of Directors, or the Company's Controlling Shareholders and Major Shareholders.

*) Subject to the Financial Services Authority (OJK) Fit and Proper Test

See detail

Kristiawan Dwika Satria

Corporate Planning & Secretary Division Head

An Indonesian citizen, aged 40. He has been serving as the Head of Corporate Planning & Secretary Division at BNI finance since 2022.

Prior to joining BNI finance, he held positions including Management Development Program at WOM Finance (2007-2008), Credit Support at WOM Finance (Apr 2008 G?? Nov 2008), Credit Initiation Manager at WOM Finance (2008 G?? 2010), Area Credit Manager at WOM Finance (2010 G?? 2011), Branch Manager at JACCS MPM Finance Indonesia (2011-2014), Credit Operation Department Head at JACCS MPM Finance Indonesia (2014-2017), Branch Development Department Head at JACCS MPM Finance Indonesia (2017-2019), and Region Head at JACCS MPM Finance Indonesia (2019-2022).

He currG??ntly also sG??rves as the head of Credit Risk Management Division.

He holds a BachelorG??s degree in Water Resources Management from Bogor Agricultural Institute (2007) and a MasterG??s degree in Management from Universitas Trisakti (2015).

See detail

Yudi Satriadi Thamrin

Information Technology Division Head

An Indonesian citizen, aged 54. He has been serving as the Head of Information Technology Division at BNI finance since 2022.

Prior to joining BNI finance, he held positions including IT Division Head at Bussan Auto Finance (2005-2018) and IT General Manager at PT. Suzuki Finance Indonesia (2018-2022).

He holds a BachelorG??s degree in Informatics Management from Gunadarma University (1990).

See detail

Dwiwaty Tantawi

Operation Division Head

An Indonesian citizen, aged 53. She has been serving as the Head of Operation Division at BNI finance since 2022.

Prior to joining BNI finance, she held positions including Area Operations Manager at PT. Central Santosa Finance (2010-2011), Operation Division Head at PT. CIMB Niaga Auto Finance (2011-2013), Compliance & Risk Policy Head at PT. CIMB Niaga Auto Finance (2013-2015), Compliance & Policy, Risk Management Division Head at PT. MNC Finance (2015-2016), National Marketing Head G?? Direct End User at PT. CIMB Niaga Auto Finance (Jan 2016 G?? Sep 2016), Center of Excellence at PT. CIMB Niaga Auto Finance (Oct 2016 G?? Mar 2017), Sales Governance Division Head at PT. CIMB Niaga Auto Finance (Apr 2017 G?? Sep 2017), Compliance Division Head at PT. CIMB Niaga Auto Finance (2017 G?? 2018), and Service & Support Division Head at PT. CIMB Niaga Auto Finance (2018-2022).

She holds a BachelorG??s degree in Accounting and Computer Science, majoring in Computerized Accounting from STMIK Bina Nusantara.

See detail

Tjahjono Budi Santoso

Finance & Accounting Senior Division Head

An Indonesian citizen, aged 57. He has been serving as the Senior Head of Finance & Accounting Division at BNI finance since 2023.

Prior to joining BNI finance, he held positions including Admin Finance Staff at PT. Button & Thread (Pan Brothers Group) (1992-1993), Assistant Finance Manager at PT Bumen Redja Abadi (1993-1994), Finance Manager & ADH Coord at PT Bumen Redja Abadi (Mitsubishi Motors) (1994-1997), Operation Manager at PT Armada Multi Finance (1998-2002), Deputy Division Head Finance & Accounting at PT ADIRA Quantum Finance (2006-2009) and PT ADIRA Dinamika Multifinance (2002-2006), General Manager Finance & Accounting at PT CIMB Niaga Auto Finance (2009-2013), and Division Head Finance Accounting and MIS at PT Jaccs MPM Finance Indonesia (2013-2023).

He holds a Bachelor's degree In Economics from Universitas Gadjah Mada (1991).

See detail

Aram Vempidou

Collection Division Head

An Indonesian citizen, aged 52. He has been serving as the Head of Collection Division at BNI finance since 2022.

Prior to joining BNI finance, he held positions including Regional Account Management Head for West Java and Central Java (1997-2007), Branch Head at Pontianak PT. Suzuki Finance Indonesia (2007-2009), Area Manager for North Sumatra at PT. Suzuki Finance Indonesia (2009-2015), Area Manager for Southern Sumatra at PT. Suzuki Finance Indonesia (2015-2020), Regional Collection Head at PT. JACCS MPM Finance Indonesia (2020-2021), Division Head Collection at PT. JACCS MPM Finance Indonesia (2021-2022), and Regional Manager (2022).

He holds a Bachelor's degree In Fisheries from Palangkaraya University (1996).

See detail

R. Rangga Satriya Ramadhani

Corporate & Fleet Division Head

An Indonesian citizen, aged 46. He has been serving as the Head of Corporate & Fleet Division at BNI finance since 2022.

Prior to joining BNI finance, he held positions including Financial Services Assistant at PT Bank Negara Indonesia (Persero), Tbk (2000-2002), Credit Analyst at PT. BFI Finance Indonesia, Tbk. (2002-2004), Credit Officer at PT. Suzuki Finance Indonesia (2004-2005), National Analyst at PT. Toyota Astra Financial Services (2005-2015), Area Credit Manager at PT. Mandiri Tunas Finance (Feb 2015 G?? April 2015), and Credit Risk Corporate Fleet Manager (Apr 2015 G?? Feb 2023).

He holds a Bachelor's degree in Accounting from UPN Veteran Jakarta (2002).

See detail