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

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**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

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**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

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Wilhelmus Max Charles

SEVP Collection & Litigation

Indonesian citizen, 51 years old. Serves as SEVP Collection & Litigation at BNI finance.

Prior to joining BNI finance, he held various positions at PT Bank Negara Indonesia (Persero) Tbk, including Anti-Fraud Division Head (2021–2026), Group Leader of Fraud Authorization & Control, Business Risk and CLN Division (2017–2021), Debit & Prepaid Risk Officer (2016–2017), and Manager of Risk Debit & Prepaid Card, Consumer Business Risk Division (2014–2016).

Obtained a Diploma III in Management from Universitas Gunadarma (1998) and a Bachelor’s degree in Management from Universitas Gunadarma (2005).

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Eddy Jatiwaluyo

Corporate Planning & Secretary Division Head

Indonesian Citizen, 42 years old. Serves as Corporate Planning & Secretary Division Head of BNI finance.

Prior to joining BNI finance, he served as Manager – Performance Management at PT Bank Negara Indonesia (Persero) Tbk. (2015–2019), Manager – Strategic Planning at PT Bank Negara Indonesia (Persero) Tbk. (2020–2021), Acting Group Head – Strategic Planning at PT Bank Negara Indonesia (Persero) Tbk. (2021–2023), Sub Project Manager (SPM) – New Way of Working (NWOW) at PT Bank Negara Indonesia (Persero) Tbk. (2022–2023), Manager – Corporate Innovation Center at PT Bank Negara Indonesia (Persero) Tbk. (2023–present), and Co-Project Manager (Co-PM) – Sanur SEZ Project at PT Bank Negara Indonesia (Persero) Tbk. (2024–present).

Obtained a Bachelor’s degree in Animal Husbandry from Universitas Gadjah Mada (2007) and a Master’s degree in Business Administration from Universitas Gadjah Mada (2009).

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Galuh Hayu N.

Internal Audit Division Head

Indonesian Citizen, 40 years old. Serves as Internal Audit Division Head of BNI finance.

Prior to joining BNI finance, he served as Manager of Quality Assurance at the SAI Division (2019–2022), Manager of Quality Assurance at the Internal Audit Division (2022–2023), Corporate Function Audit – Senior Auditor at the Corporate Function & Subsidiaries Audit Department (2023), Corporate Function Audit – Lead Auditor (2023–2024), Corporate Function Audit – Lead Auditor (2024), Subsidiaries, Governance, Risk & Compliance Audit – Lead (2024–2025), and Governance, Risk & Compliance Audit – Lead at the Corporate Function & Subsidiaries Audit Department (2025) at PT Bank Negara Indonesia (Persero) Tbk.

Obtained a Bachelor’s degree in Management from Universitas Gadjah Mada (2008).

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Kristiawan Dwika Satria

Operation Division Head

Indonesian Citizen, 41 years old. Serves as Operation Division Head of BNI finance.

Prior to joining BNI finance, he served as 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).

Obtained a Bachelor’s degree in Aquatic Resources Management from Institut Pertanian Bogor (2007) and a Master’s degree in Management from Universitas Trisakti (2015).

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Yudi Satriadi Thamrin

Information Technology Division Head

Indonesian Citizen, 55 years old. Serves as Information Technology Division Head of BNI finance.

Prior to joining BNI finance, he served as IT Division Head at Bussan Auto Finance (2005–2018) and IT General Manager at PT Suzuki Finance Indonesia (2018–2022).

Obtained a Bachelor’s degree in Informatics Management from Universitas Gunadarma (1990).

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Tjahjono Budi Santoso

Finance & Accounting Senior Division Head

Indonesian Citizen, 58 years old. Serves as Finance & Accounting Senior Division Head of BNI finance.

Prior to joining BNI finance, he served as Deputy Division Head of Finance & Accounting at PT ADIRA Quantum Finance (2006–2009), Finance & Accounting at PT ADIRA Dinamika Multifinance (2002–2006), General Manager of Finance & Accounting at PT CIMB Niaga Auto Finance (2009–2013), and Division Head of Finance, Accounting and MIS at PT JACCS MPM Finance Indonesia (2013–2023).

Obtained a Bachelor’s degree in Economics from Universitas Gadjah Mada (1991).

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Rangga Satriya Ramadhani

Corporate Credit Risk Division Head

Indonesian Citizen, 48 years old. Serves as Corporate Credit Risk Division Head of BNI finance.

Prior to joining BNI finance, he served as 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 (February–April 2015), and Credit Risk Corporate Fleet Manager (April 2015–February 2023).

Obtained a Bachelor’s degree in Accounting from UPN Veteran Jakarta (2002).

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Hendriawan Hartanto

Marketing and Channel Division Head

Indonesian Citizen, 49 years old. Serves as Marketing and Channel Division Head of BNI finance.

Prior to joining BNI finance, he served as Task Force Analyst at the Change Management Office of PT Bank Negara Indonesia (Persero) Tbk. (2011–2012), Consumer Risk & Portfolio Unsecured Loan Manager at PT Bank Negara Indonesia (Persero) Tbk. (2012–2019), Group Head of Credit Card Product Development at PT Bank Negara Indonesia (Persero) Tbk. (2019–2025), and Mass Value Proposition Customer Journey Department Head at PT Bank Negara Indonesia (Persero) Tbk. (2024–2025).

Obtained a Bachelor’s degree in Accounting from Universitas Muhammadiyah Surakarta (2000).

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Amelia Halimatussadiah

Enterprise Risk Management Division Head

Indonesian Citizen, 38 years old. Has served as Enterprise Risk Management Division Head of BNI finance since 2025.

Prior to joining BNI finance, he served as Credit Analyst at PT Bank Negara Indonesia (Persero) Tbk. (2011–2015), Relationship Manager at PT Bank Negara Indonesia (Persero) Tbk. (2015–2019), Relationship Manager Supervisor at PT Bank Negara Indonesia (Persero) Tbk. (2019–2020), and Wholesale Credit Risk Management & Modelling Team Leader at PT Bank Negara Indonesia (Persero) Tbk. (2020–2025).

Obtained a Bachelor’s degree in Industrial Engineering from Institut Teknologi Telkom (2010).

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Rendi Seftian

Human Capital Division Head

Indonesian Citizen, 37 years old. Serves as Human Capital Division Head of BNI finance.

Prior to joining BNI finance, he served as Assistant Manager at BNI Card Center, PT Bank Negara Indonesia (Persero) Tbk. (2013–2015), Assistant Manager of Consumer Loan Processing & Collection Division at PT Bank Negara Indonesia (Persero) Tbk. (2015–2017), Assistant Manager of Service Quality Development at PT Bank Negara Indonesia (Persero) Tbk. (2017–2018), Service Quality Development Manager at PT Bank Negara Indonesia (Persero) Tbk. (2018–2020), Manager – Team Member of Branch Transformation Project at PT Bank Negara Indonesia (Persero) Tbk. (2020–2021), Manager – Team Strategy Channel & Roadmap Corp Transformation at PT Bank Negara Indonesia (Persero) Tbk. (2021–2022), and AVP Business Partner – Human Capital Business Partner at PT Bank Negara Indonesia (Persero) Tbk. (2022–present).

Obtained a Bachelor’s degree in Economics from Institut Pertanian Bogor (2012)

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R. Bagus Sasmita

Corporate and Fleet Division Head

Indonesian Citizen, 38 years old. Has served as Corporate and Fleet Division Head of BNI finance since 2025.

Prior to joining BNI finance, he served as an Officer Development Program participant at PT Bank Negara Indonesia (Persero) Tbk. (2014–2015), Small Business Relationship Manager at PT Bank Negara Indonesia (Persero) Tbk. (2015–2017), Supervisor of Small Relationship Manager at PT Bank Negara Indonesia (Persero) Tbk. (2017–2018), Commercial Banking Relationship Manager at PT Bank Negara Indonesia (Persero) Tbk. (2018–2021), Commercial Banking Senior Relationship Manager at PT Bank Negara Indonesia (Persero) Tbk. (2021–2025), and Assistant Vice President of Commercial Banking at PT Bank Negara Indonesia (Persero) Tbk. (2024–2025).

Obtained a Bachelor’s degree in Business, Management, Marketing, and Related Support Services from Universitas Airlangga (2012).

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Rendy Kurniawan

Legal and Compliance Division Head

Indonesian Citizen, 41 years old. Serves as Legal and Compliance Division Head of BNI finance.

Prior to joining BNI finance, he served as Corporate Legal Assistant Manager at PT Indomobil Finance Indonesia (IMFI) (2015–2016), Corporate Secretary & Legal Department Head at PT MNC Finance (2016–2017), Head of Corporate Legal Department at PT Sinar Mitra Sepadan Finance (SMS Finance) (2017–2018), Head of Legal Division at PT Sinar Mitra Sepadan Finance (SMS Finance) (2018–2022), and Head of Legal and Compliance Division at PT Sinar Mitra Sepadan Finance (SMS Finance) (2022–2025).

Obtained a Bachelor’s degree in Law from Universitas Atma Jaya Jakarta (2008) and a Master’s degree in Law from Universitas Gadjah Mada (2016).

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