Indonesian Citizen, aged 46, domiciled in Jakarta. Received a degree of Bachelor of Business Administration in Finance from Texas A&M University in 1998 and Master of Business Administration from National University of Singapore in 2009.

He initiated his career in Legacy Texas Bank as a Banking Officer and Senior Credit Analyst in 1998. In 2002, he occupied as Credit Portfolio Manager in Northern Trust Bank, then in 2003 he returned to Legacy Texas Bank as Assistant Vice President up to 2005. In 2006, he joined Standard Chartered Bank in Indonesia as Senior Manager Consumer Banking Operations. In 2007 up to 2014, he continued his career in Standard Chartered Bank in Singapore as Senior Business Analyst, Group Operational Risk Assurance, Senior Manager Operational Risk and Senior Manager CDD Operations & Approver.

He was appointed to be Director of Bank Sinarmas based on the decision of Extraordinary General Meeting of Shareholders on 24 March 2015 and on 8 September 2017, he was appointed to be the Managing Director of Bank Sinarmas based on the decision of Extraordinary General Meeting of Shareholders.

It is also noteworthy that Frenky Tirtowijoyo does not have any family or financial relationship with other members of the Board of Commissioners, members of the Board of Directors, and Controlling Shareholders.