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Board of Directors

Member’s Profile	Career & Educational Background
Ritsuo Fukadai President Director	Age/Gender 59/Male Nationality Japanese Domicile Indonesia Education Bachelor of Economics in University of Hitotsubashi State University of Japan (1987) Work Experience: President Director of J Trust Bank (2019 – present) Business Advisor at J Trust Co., Ltd. (2019) Director at Nihon Hoshou Co., Ltd. (2018 – 2019) General Manager Seoul, Korea at JT Chinae Saving Bank (2016 – 2018) Chief Financial Officer Yangoon, Myanmar at Super Seven Starts Motors Co.,Ltd. (2015 – 2016) General Manager Yangoon, Myanmar at Bank of Tokyo Mitsubishi UFJ (2012 – 2015) General Manager Houston, U.S. at Bank of Tokyo Mitsubishi UFJ (2008 – 2012) Various positions at Bank of Tokyo Mitsubishi UFJ up to Senior Manager Corporate Banking Odenmacho Branch, Tokyo (1987 – 2008) Concurrent Positions Has no concurrent position as member of the Board of Directors, Board of Commissioners, Committees or other position Affiliated Relationship Has no affiliation with fellow members of the Board of Directors, members of the Board of Commissioners, or with the Ultimate and Controlling Shareholder.
Masayoshi Kobayashi Vice President Director* *) Subject to Fit and Proper Test Result The Financial Services Authority (OJK)	Age/Gender 53/Male Nationality Japanese Domicile Indonesia Education Bachelor of Laws from Keio University, Tokyo, Japan in (1993) Master of Science in Industrial Administration with Concentration in Finance from Carnegie Mellon University, Pittsburgh, USA (1999) Work Experience: Executive Vice President of Risk Management Division at J Trust Bank (2019 – present) Deputy Director of Major Banks Monitoring Office, Strategy Development and Management Bureau and several other position in Financial Services Agency, The Japanese Government (2009 – 2018) Investment Advisor at Oasis Advisors Limited, Tokyo Branch, Japan (2008 – 2009) Investment Analyst at ABN Amro Asset Management (Japan) Ltd., Tokyo, Japan (2007) Equity Analyst of Financials/Bank in Japan at Deutsche Securities Inc., Tokyo, Japan (2002 – 2007) Treasurer/Assistant Investment Officer at Fuji Bank Limited, New York, USA (1999 – 2001) Assistant Trader of Fixed Income Products at Fuji Bank Limited, Tokyo, Japan (1995 – 1997) Sales at Fuji Bank Limited, Tokyo, Japan (1993 – 1995) Concurrent Positions Has no concurrent position as member of the Board of Directors, Board of Commissioners, Committees or other position Affiliated Relationship Has no affiliation with fellow members of the Board of Directors, members of the Board of Commissioners, or with the Ultimate and Controlling Shareholder.
Felix I. Hartadi Director of Compliance and Corporate Legal	Age/Gender 63/Male Nationality Indonesian Domicile Indonesia Education Bachelor of Laws in Civil Laws from Parahyangan University (1985), and Master degree in General Management from Institut Pengembangan Manajemen Indonesia (2006) Work Experience: Compliance Director of J Trust Bank (2014 – present) Compliance Director at PT Bank HSBC Indonesia (2009 – 2014) Compliance Director at PT Bank DBS (2006 – 2009) Compliance Director at PT Bank Rabobank International Indonesia (2000 – 2006) Various positions with PT Bank Rabobank International Indonesia up to Manager Credit Risk Control (1990 – 2000 Concurrent Positions Has no concurrent position as member of the Board of Directors, Board of Commissioners, Committees or other position. Affiliated Relationship Has no affiliation with fellow members of the Board of Directors, members of the Board of Commissioners, or with the Ultimate and Controlling Shareholder.
Helmi A. Hidayat Director of Finance and Planning	Age/Gender 64/Male Nationality Indonesian Domicile Indonesia Education Bachelor degree in Electricla Engineering from UDS 45 (1987), and Master degree from Krisnadwipayana University (1993) Work Experience: Director of J Trust Bank (2016 – present) Executive Vice President at PT Bank JTrust Indonesia Tbk (2012 – 2016) Head of Finance, IT and Operations Division at PT Bank Nationalnobu Tbk (2011 – 2012) Branch Manager, KPO Plaza Semanggi, PT Bank Nationalnobu Tbk (2010 – 2011) Project Manager for IT, Finance and Operations at Lippo Group/PT Visionet Int. (2009 – 2010) Head of IT, Operations and Finance Division at Bank Akita (2003 – 2009) Group Head, Bank Administration and Monitoring, IBRA (1999 – 2002) Head of IT and Operations Division at Bank Dana Asia (1989 – 1999) Concurrent Positions Has no concurrent position as member of the Board of Directors, Board of Commissioners, Committees or other position. Affiliated Relationship Has no affiliation with fellow members of the Board of Directors, members of the Board of Commissioners, or with the Ultimate and Controlling Shareholder.
Cho Won June Director of Information Technology	Age/Gender 52/Male Nationality South Korean Domicile Indonesia Education Bachelor of Science in Material Science & Engineering from University of Myonggi (1995), and Master of Business Administration from Korea Advanced Institute of Science and Technology (2002) Work Experience: Director of J Trust Bank (2019 – present) Managing Director, Information Strategy Group at JTrust Group (JT Chinae Saving Bank) (2013 – 2019) Departmen Head, Information Strategy Departmen at Gongpyung Saving Bank (2012- 2013) Senior Project Manager, IT Department at Solomon Financial Group (2005 – 2012) Manager of New Business TPF at LG Group (2001 – 2005) Concurrent Positions Has no concurrent position as member of the Board of Directors, Board of Commissioners, Committees or other position. Affiliated Relationship Has no affiliation with fellow members of the Board of Directors, members of the Board of Commissioners, or with the Ultimate and Controlling Shareholder
R. Djoko Prayitno Director of Credit Risk and Management All Delinquencies	Age/Gender 64/Male Nationality Indonesian Domicile Indonesia Education MBA from Saint Louis University, Missouri, US (1988) and Bachelor of Economics from the University of Indonesia (1982) Work Experience: Director of J Trust Bank (2021 – present) EVP Management All Delinquencies at PT Bank J Trust Indonesia Tbk (2020- 2021) Credit Director at PT Bank Resona Perdania (2017-2020) Independent Commissioner of PT Bank Resona Perdania (2015-2016) Consultant of ISO Management, Daya Wisesa Sinergi (2012-2021) Banking Consultant, Daya Determination (2010-2012) Permanent Instructor, LPPI (2006-2010) Senior Instructor at PT Bank Mandiri (2003-2006) GM of City Business Center at PT Bank Mandiri (2001-2003) Several positions at PT Bank Dagang Negara Indonesia-now PT Bank Mandiri Persero (Tbk) to Regional Manager at Banjarmasin (1982 - 2001) Concurrent Positions Has no concurrent position as member of the Board of Directors, Board of Commissioners, Committees or other position. Affiliated Relationship Has no affiliation with fellow members of the Board of Directors, members of the Board of Commissioners, or with the Ultimate and Controlling Shareholder
Widjaja Hendra Business Director	Age/Gender 53/Male Nationality Indonesian Domicile Indonesia Education Bachelor from Auckland University, New Zealand (1993) Work Experience: Director of J Trust Bank (2021 – present) EVP Business JTrust Bank (2021-2021) EVP/Group Head Corporate, Commercial, SME & Multifinance Lending at PT Bank Mega Tbk (2014-2021) Managing Director SME Lending at PT Bank UOB Indonesia (2008-2014) Head of Division of Commercial Loan Business & Strategy at PT Bank OCBC NISP Tbk (2005-2008) Head of Sales Commercial at PT Bank Danamon Indonesia Tbk (2004 – 2005) Head of Commercial Jabodetabek at PT Bank Pertama Tbk (1997 – 2004) Marketing Manager at PT Bank Tiara Asia (1993 – 1997) Concurrent Positions Has no concurrent position as member of the Board of Directors, Board of Commissioners, Committees or other position. Affiliated Relationship Has no affiliation with fellow members of the Board of Directors, members of the Board of Commissioners, or with the Ultimate and Controlling Shareholder

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