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Management Profile
 
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Ma Xiangjun
President
Commissioner
Position & Appointment Mr. Ma Xiangjun was appointed as a President Commissioner since February 2016, based on Deed of Resolutions of Shareholders of the Limited Liability Company PT Bank ICBC Indonesia Number 135 dated 22 February 2016. Education His attained Bachelor’s degree of Economics in International Trade from Shandong Economics University in 1994 and Master’s degree of Economics from Shandong University in 1999. He then pursued further studies at University of Hongkong, which conferred him MBA (International) in 2009. Training He has participated in a number of training programs both in China and abroad. In 2011 he took part in "Compliance and Operations Management course at the University of Toronto. In 2016 he attended “Automatic Exchange of Financial Account Information (AEOI): Implementation and its Compliance in Hong Kong” course organized by the Hong Kong Institute of Bankers. He has successfully completed Bank Risk Management Certification by Kiran executive development program in Jakarta in 2015. Professional Career He started his career in 1994 in ICBC Shandong Branch as a trainee, and was promoted later as manager of International Banking Department, where he rotated in International Settlement Division (1995-1999) and later in International Finance Division as a manager of the division until 2001, followed by a three-year stint at ICBC Seoul Branch as Head of Banking Business Department. From 2004 to 2007, he returned to ICBC Shandong Branch initially as Deputy GM of Corporate Banking and later as GM of International Banking. Subsequently, he was entrusted with establishing from scratch a subsidiary institution which in April 2008 became ICBC (Middle East) Co. Ltd., China's first bank in the region. Having established and helped grow the Dubai-based institution as Vice Managing Director in charge of, among others, Marketing, Operations and Investment, again, he was called to establish what would become China's first banking institution in Latin America, ICBC (Peru) Bank, which he headed as its President and GM until July 2014. Following a brief assignment as Business Development Specialist in ICBC Shandong Branch, he was posted at ICBC Headquarters in Beijing starting April 2015 as an accredited Non-executive Director with responsibility to supervise ICBC's overseas institutions.

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Hendra Widjojo
Independent Commissioner
Position & Appointment Mr. Hendra Widjojo was appointed as an Independent Commissioner since September 2007, based on Resolution of Shareholders of Extraordinary General Meeting of Shareholders of PT Bank ICBC Indonesia (formerly known as PT Bank Halim Indonesia) Number 24 dated 19 September 2007. Education He pursued his undergraduate studies at Universitas Merdeka, Surabaya and earned a Bachelor's degree in Economics (2001). Training Mr. Hendra Widjojo took part in "Managing People in Risk" by Kiran Resources Indonesia (2016) and "Strategic Governance and Sound Bank Strategy Implementation" (2014). Professional Career Mr. Hendra Widjojo's 35-year career includes Director of PT Ogasaka (1981-83) and Finance Division Head at PT Multi Commodore Leasing (1982-83). In the ensuing 5 years, he was Director then President Director of Bank Pasar Sumber Dana. From 1989 until 1998, he was appointed as President Director of PT Bank Halim Indonesia, then as its Commissioner (1998-2005) and finally as its President Commissioner until the Bank was acquired by ICBC Limited in 2007 and changed its name to PT Bank ICBC Indonesia, where he has served as Independent Commissioner since.

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Christina Harapan
Independent Commissioner
Position & Appointment Ms. Christina Harapan was appointed as an Independent Commissioner since February 2016, based on Deed of Resolutions of Shareholders of the Limited Liability Company PT Bank ICBC Indonesia Number 135 dated 22 February 2016. Education She graduated with an undergraduate degree in Business from the University of San Diego in 1999. She then pursues postgraduate studies at San Diego State University with a Master's degree in Business. Training She obtained Level 5 Risk Management Certification from LSPP in 2013, and went through refreshments in 2015. Her other professional development trainings include participation in "Befriending with the Boom and Bust Cycle" in Jakarta (2014), and in the "Essentials of Leadership" course arranged by ICBC in London (2016). Professional Career She has wide-ranging exposure in diverse industries as investment banking, public services, travel-related services, and holding company, contributing hands-on in financial analysis, audit, business development, recruitment and training, and strategic planning. Her banking career started at PT Bank Artha Graha Internasional, Tbk. In 2008, she led a business supervisory team within the Bank's Internal Audit. Subsequently, she was promoted to be Head of Internal Control Division, and tasked with managing credit and operational risks of the Bank. Before resigning from the PT Bank Artha Graha Internasional Tbk. In 2016, she was entrusted to head the Board of Directors' Office where she was responsible for governance, planning, and internal control functions.

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Shen Xiaoqi
President Director
Position & Appointment Mr. Shen Xiaoqi became President Director of PT Bank ICBC Indonesia in September 2014, based on Deed of Resolutions of Shareholders of the Limited Liability Company PT Bank ICBC Indonesia Number 16 dated 2 September 2014. Education He earned his Master's degrees in Business Administration from two higher institutions City University of Macau in 2002, and Fudan University & Hong Kong University in 2011. He also holds undergraduate degrees in Accounting from Number 1 Professional's Business Academy of Guangzhou (1988) and in Culture and History from Guangzhou Amateur University (1987). Training He has undertaken extensive trainings in a number of countries throughout his professional career. In 2010, he took part in a joint program by ICBC Limited and Goldman Sachs in Tokyo, whereas in 2011 he joined a Risk Management training by ICBC Limited in London, and more recently in 2016, he participated in senior-level executives' "ICBC Globalization" workshop conducted in Beijing. Mr. Shen Xiaoqi is certified for Competence in Bank Risk Management Level 5 by LSPP and underwent a refreshment of Risk Management Level 5 by Kiran Resources in 2016. Professional Career He is a senior banker with four decades of experience. After spending 4 years of his early career with the People’s Bank of China, Mr. Shen joined ICBC Limited in 1979 and for the next 37 years, he contributed to the growth of the Bank in different capacities with a progressive career path. He had been a GM at ICBC Guangzhou in charge of deposit and credit (USD50Bn) as well as trade finance business (USD1.2Bn). Following a one-year stint at ICBC Asia in Hong Kong as Assistant GM responsible for the management of the whole institution, he was assigned to manage ICBC Macau in May 2003. For the next 10 years in ICBC Macau as its Deputy President Director, Executive Director and CEO, he helped spearhead the massive growth from a small branch into one of Macau's foremost financial institutions with total assets of USD200Bn. For five years in a row, ICBC Macau was awarded Macau’s best bank by Asia Financial Magazine, and was assigned a BB+ rating for long-term stability by Fitch, making ICBC Macau the first local bank with an external rating.

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Jeff S.V. Eman
Director
Position & Appointment Mr. Jeff S.V. Eman was appointed as a Director since June 2015, based on Deed of Resolutions of Shareholders of the Limited Liability Company PT Bank ICBC Indonesia Number 417 dated 30 June 2015. Education He earned his Bachelor of Economics from Advent Indonesia University in 1981. Training He has participated in various conferences, trainings and workshops in Indonesia and overseas. Recently, in November 2016, he led a delegation to take part in an Executive Program conducted by Euromoney in New York by ICBC Limited and in December he took part in refreshment on risk management by LSPP entitled "Economic Outlook 2017". Also in the same year, he not only attended the Indonesia Business and Development Expo 2016 but also contributed as a speaker on "ICBC’s Roles In Indonesia’s Economic Development". Further back, he attended the 43rd ASEAN Banking Council Meeting in Myanmar (2013), the 2012 World Islamic Conference organized by the Monetary Authority of Singapore, Senior Risk Management program conducted by DCG Gardner in London (2010), and Panel Discussion and Workshop on Implementation of Banking GCG by LPPI (2008), among others. Professional Career A banker with 35 years of experience, he started his banking career with PT Bank Halim Indonesia in 1990, and during the next 17 years had been entrusted with increasing responsibilities in various capacities, including as Branch Manager, Branch Coordinator, and Director in charge of Marketing, Operations, and finally as President Director. He was involved in the acquisition, negotiation and finally business transfer processes of Bank Halim Indonesia to PT Bank ICBC Indonesia, where he had subsequently taken up various directorate responsibilities since 2007, including Compliance, Credit, and Operations. Currently a Director in charge of Global Markets, Financial Institutions, IT, Special Asset Management and Bill Center, he had also served as a Commissioner of the Bank from end of 2012 until 2015. He is also an executive in the Foreign Committee of Indonesian Banking Association (Perbanas).

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Yu Guangzhu
Director
Position & Appointment Mr. Yu Guangzhu was appointed as a Director since May 2014, based on Deed of Resolutions of Shareholders of the Limited Liability Company PT Bank ICBC Indonesia Number 118 dated 13 May 2014. Education He earned his Bachelor's of Science degree in Geochemistry from University of Science and Technology of China, in 1988. He later pursued his post-graduate education in Xiamen University, China, and earned an MBA in 2004. Training He has participated in a number of professional trainings throughout his career. In 2016, he took part in "Overseas Institutions Management Training" conducted by ICBC Limited, then attended the prestigious "ICBC Interbank Business Training" at Yale University, New Haven and participated in "Basel III Implementation and Its Impact on Banking Industry in Indonesia" arranged by Kiran Resources. Late in 2014, he went to Fontainebleau, France to participate in "Risk Management in Banking" arranged by INSEAD. He completed his Risk Management Certification Level 5 by BSMR in 2013. Professional Career He started his career at his hometown in 1988 with ICBC at Xiamen Branch, where he had been entrusted with an extensive range of credit-related responsibilities such as corporate credit marketing, credit review, and credit management. He had also served as Vice Chairman of Credit Committee and until January 2010, he was General Manager of Credit Management Department and SME Department. His overseas assignment started in early 2010 at ICBC Singapore as Head of Credit Department in charge of credit review, credit administration and credit operations. Just before he was assigned to Bank ICBC Indonesia at end of 2013, Mr. Yu was Head of Risk responsible for risk control and management.

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Liang Qinjun
Director
Position & Appointment Mr. Liang Qinjun was appointed as a Director in June 2016, based on Deed of Resolutions of Shareholders of the Limited Liability Company PT Bank ICBC Indonesia Number 21 dated 3 June 2016. Education He earned both his undergraduate (Public Finance and Finance, 1987) and post-graduate (International Finance, 2000) degrees from Renmin University of China. Training He has attended courses and seminars on such topics as Innovation by Sun Yat-sen University
(2006), Improvement in Leadership of Modern Commercial Banking by Tsinghua University (2011), eBanking by ICBC Changchun Institute of Financial Studies (2016), Executive Program in Frankfurt by Euromoney (2016), and the 13th China Expo of Chinese Economic and Commercial Counselors in Asean Countries by the Ministry of Commerce of the People’s Republic of China Department of Asian Affairs in Nanning, Guangxi (2016). He has completed Risk Management Certification Level 5 in 2015. Professional Career He started his banking career with ICBC in 1987, at his hometown's Jiangmen City Branch, where for almost two decades he held such diverse responsibilities as international business, corporate banking, credit review, and credit management. He was then transferred to ICBC Guangzhou Provincial Branch in September 2006 as Deputy GM of International Business Department and later as GM until August 2011. His contributions had made the Provincial Branch a recipient of numerous awards, including Cross-border RMB Settlement (2011), International Banking Product Innovation (2011), and International Banking Business Comprehensive Contribution (2010). Before joining Bank ICBC Indonesia, he served in ICBC Dubai Branch as Vice GM in charge of Business Banking, Trade Financing, Credit Review and Risk Management. Previously from July 2011 until April 2014 in ICBC (Middle East) Limited, he contributed in the growth of a USD290Mn-institution at end of 2011, to almost USD8.6Bn by end of 2015. He had also been a Chairperson of Risk Management Committee for ICBC in Middle East, encompassing Kuwait, Abu Dhabi, and Dubai branches.

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Xin Haiyan
Director
Position & Appointment Ms. Xin Haiyan was appointed as a director since April 2017, based on Deed of Resolutions of Shareholders of the Limited Liability Company PT Bank ICBC Indonesia Number 71 dated 13 April 2017. Education She earned her post-graduate degree from University of Macau in Business Administration (2008) and her Bachelor's degree in International Trade from Nanjing Agricultural University (1995). Training In 2012, she underwent Management Training program and earned Certificate of Specialty and Technology for Senior Economist at ICBC Jiangsu, while in 2010 she completed Syndicated Course Certificate Training held by ALPMA in Singapore. In 2016, She went to Yale University to take part in executive training program titled "Corporate Client and Investment Banking". She was certified in Risk Management Level 5 by LSPP in 2015. Professional Career She started her career at ICBC Jiangsu in 1995 as Credit Officer and was promoted to Credit Manager in 2003. In 2006, she joined ICBC Macau's
Corporate Banking as GM until 2009 before she was assigned to Credit Department as GM. She then returned to ICBC Jiangsu and served as Deputy GM of Credit Department from 2011 to 2015. Her contributions have resulted in numerous awards, including Best Syndication Loan of the Year by The Asset Magazine (for Galaxy Entertainment Group, HKD9Bn, 2010), The Best Service Award of ICBC Macau (2006), and the first prize awarded by City Financial Excellent Paper Competition for a paper entitled "Credit Portfolio Transformation" (2003).

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Thomas Arifin
Director
Position & Appointment Mr. Thomas Arifin was appointed as a Director in February 2015, based on
Deed of Resolutions of Shareholders of the Limited Liability Company PT Bank ICBC Indonesia Number 135 dated 22 February 2016.Education He is a holder of multiple undergraduate degrees in Mathematics from Institut Teknologi Bandung (1985), Economics/Management from Universitas Katolik Parahyangan (1986), and Economics/Management from University of Indonesia (1990). On scholarship from European Community and ASEAN Countries, he completed his MBA from European University at Toulouse in 1993. He is a Certified Risk Professional (Bank Administration Institute, Chicago, 2003) and Chartered Financial Analyst Level 2 (CFA Institute, 2004). Training He has participated in a number of executive programs conducted by renowned instutions such as Kellogg School of Management (Corporate Financial Strategies for Creating Shareholder Value, 2008), Wharton Business School (Investment Strategies and Portfolio Management, 2009), Stanford University (Leading Change and Organizational Renewal, 2010) and Said Business School at Oxford University (Global Investment Risk Management Program, 2011). More recently, he took part in the Executive Program in London by Moody's (2016) and risk management refreshment programs by London Financial Studies (2014) and by Bankers Association for Risk Management and LSPP, in Frankfurt (2012). Professional Career He started his career at PT Bank Bali Tbk., where his career progressed since 1987 until a three-year sabbhatical leave to pursue post-graduate studies in early 1993. Subsequently, he was assigned to Bank Bali Los Angeles as First VP and GM (1997 - 2002) and then involved in the integration of Bank Bali and 4 other banks into PT Bank Permata Tbk, which he later joined as GM of Risk Management Group until May 2006. For the following 5 years, he was at PT Bank Mandiri (Persero) Tbk. as Director in charge of Treasury and International Banking and of Special Asset Management, during which the Bank was recognized for excellence related to his areas of responsibilities, by Asian Banker (2011), Ministry of Finance (2010), Asia Money (2010, 2006), and Finance Asia (2007). He has also been a Director of Risk Management and Chief Risk Officer for PT Bank OCBC NISP Tbk. (2011-14) and a lecturer at his alma mater, Universitas Katolik Parahyangan.

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Sandy Tjipta Muliana
Director
Position & Appointment Mr. Sandy T. Muliana was appointed as a Director since November 2009, based on Deed of Resolutions of Shareholders of PT Bank ICBC Indonesia Number 35 dated 24 November 2009. Education He graduated from Unika Atma Jaya in 1988, with a Bachelor's Degree in Economics/Management. Training He has been enrolled in diverse training subjects over the years. His recent years' trainings and seminars including Making Corporate Board More Effective by Harvard Business School held in Boston (2014), "Increase Profits and Lower Risks Through Avoidance of Corruption" by Indonesia International Chamber of Commerce (2015), "The Leadership and HR Forum APAC" conducted in Bali by Orchid Associates (2016), "International Congress on Assessment Center Methods" by Daya Dimensi Indonesia (2016), and Executive Program held in New York by ICBC Limited (2016). He also took a refreshment course on Risk Management Level 5 facilitated by Kiran Resources in Jakarta (2016). Professional Career He started his banking career in 1989 at PT Bank Arta Prima as an Account Officer, and was progressively entrusted with greater responsibilities as Sub-branch Manager, Branch Manager, Corporate Banking Manager, and in 1995, as Credit and Marketing GM in charge of Corporate Banking, Financial Institution & Syndication Banking, Consumer Banking and Credit Support and Review Departments. By 1996, now at Bank Artamedia, he was Business Development GM, then Head of Internal Audit followed by Compliance Director, and Chairman of Management Team in 2002. His subsequent career at PT Bank Permata Tbk. as Senior VP from 2003 to 2009 involved Corporate Compliance then Corporate Secretary roles. During the period, he had managed and got involved in, among others, Compliance Risk, AML, GCG, Operational Risk, and acted as Spokesperson for the Bank. Joined Bank ICBC Indonesia in 2009, Mr. Sandy Tjipta Muliana is a certified Compliance Manager - Executive Level since 2012.

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Fransisca Nelwan Mok
Director
Position & Appointment She was appointed as a director since April 2017, based on Deed of Resolutions of Shareholders of the Limited Liability Company PT Bank ICBC Indonesia Number 71 dated 13 April 2017. Education She has a Master's degree in Finance (2002) from Sekolah Tinggi Manajemen Labora and an undergraduate degree in Animal Husbandry (1981) from Universitas Padjajaran, Bandung. Professional Career From 2010, she served as Director of Corporate Banking at PT Bank Mandiri (Persero) Tbk. until 2015, during which she was responsible for not only Corporate Banking Groups, but also the Bank's Transaction Banking Sales, overseas offices, and all Jakarta-based branches. She had also been a supervisor for the Bank's pension funds and for PT Asuransi Jiwa Inhealth Indonesia, and now serving as a commissioner at PT Mandiri Sekuritas. Training In 2015. She completed her Level 5 Risk Management Certification in 2010 (LSPP) and refreshment courses in 2014 and 2016, and participated in a number of execution education programs such as "Creative Encounters to Inspire Leaders" at London Business School (2014), "The Women's Leadership" at Darden Business School (2013), "High Performance Leadership at the University of Chicago Booth School of Business (2008), "Risk Management in Banking" at INSEAD, France (2009), "Strategies for Leadership Empowering Women Executives" at IMD, Lausanne (2011) and "Driving Corporate Performance" at Harvard Business School (2012).

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