BANK SINARMAS Executive and Leadership Team

July, 2026

Leadership Overview

BANK SINARMAS has 5 executives leading key functions including strategy, marketing, and board oversight.

Driven by a commitment to financial excellence, BANK SINARMAS operates with a leadership philosophy centered on robust governance and strategic market penetration, solidifying its impact within the Indonesian financial sector.

Leadership Roles at BANK SINARMAS

  • Chief Executive Officer - S.Ip Desy Natalia Widya
  • Chief Executive Officer & Founder - Chyntia Azka
  • President Of The Board Of Directors - Khicip Basmakhin
  • President Commisioner - Tjendrawati Widjaja
  • Chief Marketing Officer - Muhammad Rafik
  • S.Ip Desy Natalia Widya - Chief Executive Officer

    S.Ip Desy Natalia Widya, the Chief Executive Officer at BANK SINARMAS, directs the overall strategic vision and operational execution for the commercial bank. This leadership role involves steering the institution through dynamic market conditions in Jakarta, Indonesia, ensuring alignment with the company's founding principles and growth objectives. Overseeing critical functions, the Chief Executive Officer drives initiatives that enhance customer value and operational efficiency. By optimizing resource allocation and fostering a culture of innovation, S.Ip Desy Natalia Widya directly impacts the bank's competitive positioning and long-term financial health. This executive ensures robust governance frameworks are maintained across all departments, supporting the bank's mission to provide reliable financial services.

    Chyntia Azka - Chief Executive Officer & Founder

    Chyntia Azka, the Chief Executive Officer & Founder at BANK SINARMAS, establishes the foundational strategic direction and entrepreneurial spirit of the Jakarta-based commercial bank. This leadership position involves guiding the company's long-term vision, drawing from the initial impetus for its establishment in 1989. Overseeing key strategic partnerships and market entry plans, the Chief Executive Officer & Founder ensures the bank's continued relevance and expansion within the Indonesian finance sector. By championing innovative financial solutions and maintaining a forward-looking perspective, Chyntia Azka directly influences the bank's ability to adapt to evolving industry demands. This executive's role is pivotal in embedding the core values and mission that define BANK SINARMAS's market presence.

    Khicip Basmakhin - President Of The Board Of Directors

    Khicip Basmakhin, the President Of The Board Of Directors at BANK SINARMAS, presides over the strategic oversight and governance of the commercial bank's operations in Indonesia. This critical leadership position involves guiding the Board in setting the overarching corporate strategy and ensuring adherence to regulatory compliance and ethical standards. Overseeing board meetings and deliberations, the President Of The Board Of Directors facilitates informed decision-making that supports the bank's long-term objectives and stakeholder interests. Khicip Basmakhin ensures that the executive management team operates within the approved strategic framework, driving sustainable growth and financial prudence. This role is fundamental to maintaining the integrity and strategic direction of BANK SINARMAS.

    Tjendrawati Widjaja - President Commisioner

    Tjendrawati Widjaja, the President Commisioner at BANK SINARMAS, provides high-level supervision and guidance to the Board of Commissioners, ensuring effective corporate governance and strategic alignment for the Jakarta-based financial institution. This position involves overseeing the Board's responsibilities in monitoring the company's performance and management. By reviewing strategic plans and financial reports, the President Commisioner ensures that BANK SINARMAS operates in the best interests of its shareholders and stakeholders. Tjendrawati Widjaja's leadership fosters a culture of accountability and transparency, crucial for maintaining trust within the Indonesian banking sector. This executive's oversight is vital for the bank's sustained success and adherence to its mission.

    Muhammad Rafik - Chief Marketing Officer

    Muhammad Rafik, the Chief Marketing Officer at BANK SINARMAS, architects and executes comprehensive marketing strategies to enhance brand visibility and customer acquisition within the Indonesian financial landscape. This role involves overseeing all promotional activities, digital marketing campaigns, and market research initiatives designed to resonate with the bank's target demographics in Jakarta. By analyzing market trends and consumer behavior, the Chief Marketing Officer identifies opportunities for product promotion and service enhancement. Muhammad Rafik drives the development of compelling brand narratives that underscore BANK SINARMAS's commitment to financial stability and customer service. This executive's efforts are crucial in expanding the bank's market share and solidifying its reputation as a trusted financial institution.

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    Frequently Asked Questions Regarding BANK SINARMAS Top Executives and Leadership Team

    Who leads BANK SINARMAS?
    BANK SINARMAS is led by S.Ip Desy Natalia Widya (Chief Executive Officer), along with executives such as Chyntia Azka (Chief Executive Officer & Founder) and Khicip Basmakhin (President Of The Board Of Directors).
    Who is part of BANK SINARMAS’s executive team?
    The executive team of BANK SINARMAS includes leaders such as S.Ip Desy Natalia Widya (Chief Executive Officer), Chyntia Azka (Chief Executive Officer & Founder), Khicip Basmakhin (President Of The Board Of Directors) and other senior executives.
    How many executives does BANK SINARMAS have?
    BANK SINARMAS has 5 executives leading key business areas.
    What roles are included in BANK SINARMAS’s leadership team?
    The leadership team of BANK SINARMAS includes roles such as Chief Executive Officer, Chief Executive Officer & Founder, President Of The Board Of Directors, President Commisioner, Chief Marketing Officer.