AnnualReport2025-BNGA-att2.pdf

Table of
Contents

KEJARMIMPI

TURNING INSPIRATION INTO
ACHIEVEMENT

Kejar Mimpi Is about turning Inspiration Into
achievement, much like Indonesia's traditional
Nusantars weaving. which brings each strand
Of thread together inta a creation rich with
meaning. The beauty of Indonesia's decorative
motifs has captivated the world, not only far

their visual elegance. but for the values they

carry: perseveranre, togetherness, anda
strong sense of national identity

Across many regions. itis womer's hands that
keep weaving alive through patience, skill and
devatian, making ita symbol af empowerment
and resilience. Together with CIMB Niaga,
lets continue to unlock potential, weave our
dreams, and move forward In building a future
for Indonesia that is rich In color and hope.

Disdatmer and Umitadon of Uabiity

In this Sustainability Report CIMB Naga presents
information, 09 operational actiities  finandal
achievements policy directian and plans and profections
that support Banks sustainability strategy Information
that IE -not 3 statement of historical fact IK damulfted
2s foreaniooking stutemenis and & preparedi In
accordance with applicable repudatory regidroment
As such ctatements rely on 2esumptiang shout current
conditions and estimates of future business dyremia
they are subject to risls and uncertaintisc These factors
may ce actual results to differ. materlalty from the
propectinns set SA In this Report. Arcardingly. CIMB Niaga
does not guarantee that verifad documents or Infoemnatian
voli result In performance as prokcted

CIMB Naga ata Giance

Sustatnability Performance
Hehllshis

Messago From The President
Directar

Dujr Support to the
Sustalnabie Development
Gials (S0G5)

Bniet Communication: IMS
Niaga and CIMB Group
Towares Net Zero GHG
Emiussiors by 2050

About the Report

3

ta
&

We Together with Employres
We and Green Office
We Together with Business Partners

4

Cargorate Social Responsibility (CSR) Pilar
Pillar 1 Education

Pilar P- Community Heatth and Weli-Being
Pilar 3: Economic Empowerment

Pilar 4 Oimate and Enmronmant

Treating Meaningtul Impact far
Cammunities

Bila | Governance

OL matan

Sustainsbility Governance

Sustainabilky Risk and Opportunitiss
Apprgacti Framework

Environmental and Sodisl Ritik
Approach

Development of Sustainability Polities
and States

Glsnare Rlk Mapasament
Climate Scenario Analysis (ESA)
Ethitai Business

Stakeholder Engagement

Buliding 3 Culture of Sustainability and
Sistainabia Finance

Rpplying Human Fesource Analyts to
Mitigate Human Resource Risk

Extermal Initiatives and Association
Memburships

Sustainabin Finance Advocacy for
Stakeholders

The Cooler Earth Sustainability Series
Response to Feedback

&

#

115
ta

151
kl
ya

El

ya

Wat

Isl

2

Sentamubakey Report
PT hara GMN Mizga Ttat

CIMB Niaga ata Glance.........

Company Name - Legal Entity and Share Ownership
PT Bank GMB Niaga Tok —3$ " Umited Liability Company
» Lstet on the Indonesian Stock Exchange (IDX)
an 2 November 1983, with stokk ami teind onde
Date and Y: 1 m2
ate and Year 0! : Share Ownership
Establishment pena mui
25 September 1955 ta "3 CMB Group Sllrs Bid
“ Laz1L
k 1 #7 Commerce Kapitiil
AS 1 Uu “ ZSUL
Tp, Line-of Business na Other Pubiic Sharehuiders
| Bariking Services
"1
Website CD Head Office Address
| Me mbniaga co id ( Aj Graha CIMB Niaga
| SL and Sudirman Kav SB: Jakarta TM9O Indonesia
& Tetp (“62-7) 250 5752 2505353
PE ES
Subsidiaries

“PT CIMB Naga Auto
Finattce (CRAF)

“PICIMB Niaga Sekuritas
(ENS)

E-mail Address
borporata secretaryatimbnlaka.coid

- Sustainability:
sustainsbittyddmbnagacoad
» Investor Relations:

Financing Portfolio by Business

Segment nariman 5:

&Lommertl @ comartins @ inegog Uusnes Liamkang (LK)
| Non-Performing Loan (NPL) Rate |
2025 2024

Significant Changes ...—-

There were: changes in the compositico af CIMB Niaga's Board of -Directors in 2025
The Annual General Mestng of Sharcholders (AGM) on April 14:2025, accepted
Tpoe Met Time e-remenatian from his position as Director due to personal rpasons
(retirement). effective 25. af tbe- closing of the-AGM. and appo Rico Ust
Frans as Directar ot the Bank. On 24 July 2025. Bank recmved the Finandai Services
Arthonty (DIK) Board of Cammisionars Desree No. KEFR-B0/D.01/2075 dated 24
July HI25 regarding the results af the F8 and Proper Test for Rico Usthavia Frans
28 Director of Oppratians and Information Technolegy of FT Bank ZIMB Niaga Tbk
Acardinaly the Board Of Dirertors tomprised 10 members

A15 Sntamubasay Faport

PT fara OMA Niana Tak

CIMB Niaga Vision, Mission, and Values......

VISION

z CIMB Niaga is committed to empowering Customers and the Indonesian
#1 Society to achieve their Dreams and Aspirations.

MISSION

Gd OMB Naga provides financial services tailored to the needs af Individual
and business customers. While advancing the Indonesian Sodety through
3. sincere ommitment to work from heart

NBL TALANT
(Our commitment is:to empower and develop
and strive tobe the best place

We pursye excellence in all we do and deliver
beyond the-ordinary.

IU INTEGRITY & ACCOUNTABILITY

Our commitment is to act inan-ethical and
trustworthy manner and be accountable of all
Our actions

COLLABOHATION

We commit ta team over Individual success, as
CIMB Niaga's sucsass is ny success as wellas
surncallective success.

ISto put customers first and
by them

2nd uphold
tukMasaDapan as a vdlje
ho-making: Through an- approach
integrated with CCSS pentipies, Bank ran rnake 2
posityh contributiory to afi-stakehoiders

CIMB Nisg:
an MseparaDa
perormanta Tut sar
CIME Soup Torware3n matanabiny
red by th pup
EV: where

Advgncing Customs
5 to help Customs

Sustainability Pillars

CIMB Niaga has five core sustainability pillars integrated Into Banks business
strategy

BANK

Sustainable Action

How bat mmmbsati sustainability principtes Into dll dot ketika and boks prod to Fedi
mes-tive impatts suth 2s our cerban toctprint. white Belh-ering positive Impact

CUSTOMERS

Sustainable Business

Hose ae penerate prolite responsllay, Trente posilles hmpatts Street the prollotts and sena we
orde and trip and sagipert Custom er-in teit sustalnatillty jodriey

How mena porton Of jerdfita to (enprove and Geljker sustsinetike longer pete comribufiane
Aas koe corgirpuriles mrnurad Le

GOVERNANCE AND RISK

How w rnanags and cnmimunizate sustainebiTnv risk, Inctuding setting tangeta and tolerance leveta-
bend how Me yuan and Uperate Yo athleve thu best outcomus.

ADVOCACY AND STAKEHOLDER ENGAGEMENT
How petautwoelite masam bedili citpaki(tais ad cepu ly ralus swanertewa Und #pouraes suriicdpstlon
inalstamahiny intornally end artermally,

(PT ikan CITAM Maya Ttat

CIMB Niaga Sustainability Journey

 Eetablishmmeent of tihe Suntainebility Unit
" Development of the Sustainability ani

Sustainable Frans Pulioy

" CIMB Niz2s becerne 2 member ol the

Indonesa Seratamnalila Arts Infak
Iwer)

IVA

“ Ampotincernesi tt SestanratilUky

Forgnltnenta

» Katicdi of Sestairiabat ydamked

Loan and ot Financing ISLL)
and Sustainahte Finames (£F)

as unt
" Sestainabilny KS tar (he Board

of Dikectora

Implireentatan of internet

terbon pfitirg (ICP)

ben ot the

Sustainable Finance Action

Plan (RAKE) 201932033

Corporate Banlika

Guidelines

110

225 Sentamutalay Report
PT Bari OMAN Niaga Tia

" Sessamatility Due Diigence
(SD) Irnyileirmneritatkan For

“ Development ut Sector

Deleloprrent andi slang sil the Human
Pisnits Policy
No Duforestation. No Feat anu Na
Exptpsation (NOPEJ uban
CUSE Niaga und CIMB Group inwkerrerrtet
the Hat Zero Sirateey ari Clirrete Miuk
Management progeet to suppurt th
azhnevemeri of peganiatiapsl NZE 2050
by setling target Searbonksutkan seetora,
parnely Thermab Coal Miniag anii Cement
Sustainability WM far ali ermployess

« Employee volunteer Program
Pie mp mertuatkar of SOP for
Cammersial Banikirg

1

lbterim decarbonsation langets for this palrm ok and
power generalign setor
Estat sherasit of tts Ihtesratod end Clirnote Rad Urlt
» Divetoprment of the Cirnate Rek Menaaement-anci
Serang Arutyss (CMS) model und mmethadotoky
» Pertidipatian in cerbat unit puriheses at lhe
Intupuration af tts Iidibnesia Carbon Exchange
(oxtarbon)
Use of remanbbik energy Wirouh te purthase cit
Pemeabis Eneriy Certilicates (RE:
destance of the Sustainalile Fisayvs Attlla Pilar
Iraksi) anon 2029

15

«mari pl SestamatiliAy Unked PL arpi Derivalhers

ptograritne

“ Sodar pareA Operalione at Ie Yogyakarta Sudinmat

S0 Branch Offics

“Reses gram from LINE 10 suppert Wemen-ed

SMES for energy transiton inilisthes (ihe Perenpuin
Berkarya fmancing programmnel

« Habnibh df Greerifil:Resdy probe
» tangnch ad SestamebilnyUnked Traoe Finanesand

Ceeen Trade Fihantr

- Partimpatlom in the taungh af internatimal| (Oarbari

and CGP3O

» kengnesat Ihe Sustamahillny Communtatics

Procedure ind thie Skaiaincbte Proturement
Procedure

"CIMB Group ihtresass It sestalhability financing

Tarpst 10 RM3OD bilibon based pr ttw GSSIPS

Peubteti sustalasiility hunding tatpet to RMIDO billian through the swtalteble
Hntanting 'tarawork, Green Sesal Sestatnatike hmpurct Protect and Seryeag
(GS51S)

— Ihteran detarbenisallan targets for tie ot and gas ame test esfite sector
Peporting to tie Fiteintia Serda Authority (DIK) ore aesultsaif RMS aa TKBI
tesilis lor the energy sector
Bepan idopilng the International Asandal Reporting Stasideris Fpunelatibn
MERSI Siang S2 stangdargk Im the Sgetainahillty Report

" Wealanes of th-nt Asu GHS Ogeratlohal Policy

— Shilar panel operatoneat Bintaro heri afficeand purchase of Renewabir Energy
Certificut-s (RE)

- aameh af the geneer-responetes pragremme 'EB6 Kartini. Lor ang Siro
Kastil"

- Desloprnert ot emi-sutormuted SDO form
Sistashalillty Peport dewuranc by a Top 4 publik acebentleg din

1

RIS Setambasny Pompert
PT fkardx GTAN Mizgys That

Sustainability Awards & Ratings

Awards

Masri deryarif - Finunciai Services Seciiar
#npactiula Suktsinable ESG Stratery
Ingtemeatatien, from (PX Ohannsd Anugerah
ES Award 2125

s1

Werrsaranul Indogeruteney. SD
8'- Decent Work & Econairile
Groath. Irom Women in 5063
Actign Aerarge 2075 by Bani
Indonesa

-

Piatu Amard— Algrent
Mnrough Empoweting MSMES
In fastern Indonesa Commurity

Plain Chgaemplit - “CINA Dasi
Sustsinabls Burmbod Corservatioh.
roma Bjeiss Indonesa CSR Awards
(BRA) 225

Werer — Siste Ownei!Peedie
Erderprise Lategary from Mandays
Airarti: 2075 by ihe Eoonsihslla,
Ministry for Cormunity Empovertent
if ttae Repubilk of Indonesia

Sexi Green Lan — Autohtotlve dari
Tripis A Sistsinatie Finaran Deals
South Easi Asia

Blisire— (Comeentiondl Barik Coteatrv).
trore Indoreesa Putilic Relations Award
2015 hy Warta Ekonomi

Tre Mesi Inngualiw Full Finance
Kevarite 2015 for Strength verilnys this
Ieidterrentatkun of Business Sistsinability
ant Impruding Operatinnat Excedance
Irom Innovative Future Finapcs Seard by
153 Kormanika Ps (18K TV)

Besi Soclat Brad tari The Asset Triple A
AWards for Sustainable Fihanee

Deseng Work and Bromo Grawnafe

Yak £tariBarketanjutan, from Aman Ingat
Areartia 20278 toy La Tali Seto vit Siah Post Pudak Pebitiarye 20125 In Kenny bak Prana
Pespansbllty & Portman College Prorioling tmpocttul Sustisknatile Kenang CS Asntoa.
ESG Ratings
(D spuaurnes Moo st setia S&P Global
2350 (Mesiiarri Fak)" 5-2 (meuteat totow) 54

ASEAN Corporate Governance (ACG5) Scorecard

Top 50 ASEAN Pusilit Lianad Cornyorses (PLC), Tap 5 erionesis PLC2

“per de smubira 22

Sustainability Performance Highlights

TRTIU MAAN

Environmental Performangg soo oi sian

(ah Sair Setu 9 TA

Fuel (EM

225 ESA 2125 kzl 1s ng

2024 166433 2025 RER NE

2023 Liya ting 203 22523 2023 P

-

COz2 Ietebpesat (5tmpe 3) busess traad &  (xope3)-investrent
Manga "aa At tivi pal Ineutes in NA (firiancing peortfolia)
Dorantare CO) Seppe Lor5cope3 (tornes Ou“

2025  TUSG" A25 1253 H5

2npA 2572 2024 tzaae 2024 B30aeso

Pemalu Social Pertormanas -...

Economk

Business D tterrak Cusioomer
am "aa
A5 425

ra
25 WN 205 3385
2924 bli 2024 Ioi 2024 322
20233 520 2023 Io 2023 32
ta

Iban #entsiohin Ii Scope Land Serma 2 dit resi Oi bui 1ve sr Of Penesesslir Eoiray Grace ME)

TRNEA AAL ereet Ale Tn Tangan. In ie ALLEN TEANOAAEY

West bni teset is strteri as Hr petenis repiiiakerit af GH #ti—inen tar car tur disked hri tp 2046 Aa tu Langit! Intkatue Mie MKL Cilcataberi
Ane akte Gita from Ine DBAS Paaga Crana Mward Office. "Tn IMA cecuanan cars wsate adara Prrirrn tree ON Manga Uranarresad OrScz. Uitya Magi Sintare 14 4
Patut Hraretn Ocet Cant Mad Weatichi OPPtce-

The CERIA Yaa Tarra Out NNNE LA Mma 25 hiasng tiga LHG #rnetian Imey among 25 th Met Jiwa Garbingg Alliamen (tk) css
if Par toerelip for Cari Accotiriheyd FianCiati (ACA) naghodi Ten Esirutanipend ta DILIN AYI ai JADG ie ta XL etion Ui che PCAN iithoik teluk
dita mading mesag 3 sea Lap IN Ie BANI rnparTng Sange T menevacng caltukanand far JUL cowo al sectars Fan Caltuladong ee LI and BPI
cakrulabesvi are lirubed to Penari are revestreanrt ri the Of and Gas anetor

K5 Sertamabaay Rapat
(PT ikonik GARA Miang Tit

"

Sustolnoble
siness

Economic Performanos -......

Le AN 3iner

E @ entin Total Assote y Nek profit
5 Inccena (Bo billorul 3 (Ro biiisrisl
Rp billangj
Kas MA36 2025 312.633 2025 6935
2024 98 2024 35022 2026 5899
2023 18785 2023 324369 2023 655)
Total Products Tata Ervironmantalks V micro, Sma,
are Sermone FI 2nd Median
Products ihet meet andi Emerprses
mpoorting Ie emtamable MEME) Financing
Business Activity Catsgoties KE Ko Wllorai
IWKUR) crieeria)
255 2025 B
»a 2028 ra
1s 2023 3

2024 saja
Sas am

12 | S5 pemmatilty Peponi
(PT Bari CIMAM Nia Tiat

Corparate Social Responsibility

mag onssenga Performance -

Social Performanec —.... pns aanai
£YI

Restisation of CSR Funtis Total Bariboo

(Rp milan) (Aecumutatad)
2925 26312
2024 23578 2024 sang
2023 ALS 203 DA

4 4
“
Governance and Risk

Lom0ayag koe 2enmramaryam. PER Totat Antttrnud Tramung
PP Mejan been ce Ba Pan
as IK

2125 1SB
2024 AG 2024  GO03
2023 SEAL 2023 602
3 na
2d . Advocacy and
2 & Stakeholder Engagement
4
| Sustainable Finance Training
Customer Comptaint for the Board af Directars
Resolution Rate | (Senior Executive) and Board af
Comemesioners
2025 99K 2025 DOK
2024 99 2024 10035
2023 9an6 2023 oo

AP Setau, Papan
PT hara GMN Mizga Ttat

3

14

moenertapon 3a

#eharmel network Mrougbout kdorea

tonnes CO tonnes CO,e

| 3220 28105

SUMATERA

225 Sentamatalay Repeart
PT Bini CIMAM Niya Ttat

211

Pertertae reduction cd tutul Sunpe
Panci Scope 2 SAS sril—inrs
HIP cprmpared to 2024 wedi

Kirruate chhargg rritileation ad fiarts

tonnes CD:e

15

16

#SekarangUntuk
MasaDepan

mori

Throughout 2525, GMB Niaga continues to
Et'engthen Its sustainability journey through five kay
pillars of sustainability. ranging front Sustainable
Actions, Sustainakta Businnss Corparote Social

and Enviranmentai Responsibility. Governance

and Risk 25 well 25 Stakeholdes Engagement and
Advacacy Thocs efforte are reflected In vswious key
athlevements that affirm Banks rommitmbnt to
supporting a just transition towards alowxcartion
future

36:

Contribatkm of Resuction in
(enak ereray 3 @perallonat GH
lutal erergy La #ieslons intersihy

£ 209.000:

Potenti! greenhoue gs (GHG) senesiona Ihat tan he avoidec

#horunagih atipetatl tari

'karag3 #rasessar firarea

255,

KKUB Prenong 2 percentape at
Bar total finaneng

1,337

CIMB Nings acholarahip

Tram 2006 to 2015

»950 MSME

Eantern Indonesia retbivea
mriteprenesrahip training Iri
2022161025

2 107,000 students
2 1150 schoots

AMI and 106 Arancisi Iteracy artivikles frarr 2GT1 to 2025

19..

tonnes

2 15,000:

Putermtisl cartori semuestrallon from barnbon planting
durny 2612-2015

225 Sestemutalay Report
PT Bari OMA Niaga Ttat

Pelit plantatione that tes pbluined

ar areim the process of obtainine ISPO
and ar RSPO Geri pesan

Customers that avmpleted
arstamability Actimm Pars in line with

DAYS targata

:75,000 hours

Total Ermployee Volurteur Program tuurs

baja Omar Risk Total Serter
Guidelit —urd 3
Management Palioy 995
Testoreer complaint
| meolulian rate
Patrn OIL Power Generation. L
Thermal Coal Mining.
Estite Irak pobes Ya lesu | 19
Suten tera putrenlly Power generation, oil and Hosrif & Cammnissinners and Board
targeter (pr derarbonmatan #Ps. and palm oil sertors Of Firectors thist parficdipated in
towarde the Orgareaation & below the releraica mestaljakbds frisrice broerdrus atud tliryasta
pet zero GHG ermiesitin enaro pathvey hekand cepartuniy traming

Potenitatineoided ermasans ar crbon segiesiration awulvalerit to the narriber ol Ines | 1517251

Ttree » 167 kg CO, eguivalen:

9 Ak

6

Dati Mremakia — Throuh bamboo planting enletnm Thetwgh ter purthesi af dirtion
nergry Certificates (RELS) 2etivites units.on the Indonesia Larban
aja mb rgs 3 ) Eecharipe (DCarbon) the Zero
sman footprird and Wasts to Landinil prograrrutur,
Solar panel operattone EN euange of astalemenis and
Paper vga

Tutad renewabie energy used bg Bank Corraes from hndiropeswer piliants (PLTA) amid sale
panelu where the energy 2enerated Ss agukalem fo

2.9 kilotonnes ...

RIS Setamubaey Paporit 17
(PT ikardk CIAM Miaya Ttak

r “The transition toward 1
a low-carbon economy
creates strategic space
and opportunities for us to

strengthen resilience and
improve the guality of growth

DEAR RESPECTED STAKEHOLDERS, In addition, In Uine-with CIMB: Niaga's updated vision
and mission, alignmt

made with

t has

CIMB Niaga contind

? Banks sustainable finance vision and mi

This alig
5 Sustainability initiat

IS Strategic role in croating long-term and

jalal

sustainable nt is @ crucial

ve Impact CIMB Niaga upho

stainabilty es antifar main

slor-niaking. product relevant. adaptive. and agile in responding to

ment and velL as future chal 5 and

lopment. risk manage

lai

in buliding current conditions 3:

with all

long-term ehoiders Opportuniti

mented varidus — POLICY TO ADDRESS CHALLENGES
wironriental — Sustainability Volues and Sustainable Finonce

beda

CIMB Nlaga #

Cor

sustainability aspects Iri L

ESB) principles These A5 part of CIMB Group

social. and. govemanc

sustainability aspecis are carried out through five sustainability. values as 3 foundational element

tainabllity pillars The fiv S are Integrated all operational @ and busing
as a unificd the gies as 4
Bank ir 2 business long-term 2 valus

N environmental presgervai

On, econamic

performance, and sotial tespor

lity.

19

20

approach also sirengthens CIMB: Niaga rote In
promoting 3 jkSt transition toward 3 low-carbon

ecoridorny,

Furthermore. this Framework IS reflected
through the values of Enabling Talent. Passion,
Integrity & Accountability Coltaboratiani and
Customer Centricity (ECC) - which serve as
behavioral and decisian-making: guidelines
triroughout the organization, These values guide
CIMB Niaga. to enhance internal capacity, foster
Innovation In sustainability solutions ensure
transparent governance Practices. and strengthen
mmutt-stakehotder coltaboration, white consistentiy
piating custorner needs as the highest priority

Response ta Sustainability and Sustoinoble
Finance Issues

CINB Niaga recognizes the various gtobai dynamics
Inftuencing Sustainabilty ssvos, such as climate
Change, geopolirical tensiona  techmolagical
disruptlon, and rising stakeholder mpectations
Tnese. global dynamits. have ahaped, aa new
landscape for the: financial services Industry. In
atidition. they have ampufied multiple risks,
Induding transition. physical and reputationat
risks However, tie emergence of these risks also
Opens various business opportunities. indluding
sustainable financing opportunities tw support
the energy tansition Therefore. sustainability can
no longer be treated as-a supporting agenda but
must be positoned a5 3 strategic Impuratke in

safeguarding long-term business resilience.

To address these dinamis and apportunities, CIMB
Niaga proattively integrates sustainability printiples
Into governance, strategy, risk management.
as weli as rmetrics and targets: This Integration
Is carriad out with the aim of managing risks
Cornprehensively while capturing cpportunities

MI Semata Pepamt
PT Bare IMA Mira Ttak

related to sustainability and Climate change.
in alignment with the 2024-2028 Sustainahte
Finahce Action Plan (RAKB),

Cornmitments, Achlevements, and. Chollenges
In Implementing Sustainability and Sustainable
Finance

CIMB Niaga continves to uphald Its sustainability
cCOmrmnitments in Supporting the achievement
of the Paris Agreement. a just transition toward
3 lovecarbon economy, Indonesias Second
Nationally Determined  Contribution. (SNDO).
and the countrys 2050 net-zero greenholas
gas (BHS) emissians target. Throushout 2025,
varidus Initiatives Were implemented as part of
the realization Of sustainability strategy, Inctuding-
opurational detarbonization efforts (GHG emission
reductions In Scope Land 2) and the development
of sustainable business -arid financing solutions
that support a just transitlan toward a low-tarbon
ang inclusive gcenarny.

From 3 governance and risk management
perspective. CIMB: Niaga continues tw strongthien
data-driven analysis as a basis for decision-making,
Variousstrategicinitiativesaredirectedatenhandng
resillence towards ciimate- change-retatad risks,
improving readiness for transiton dynamks, and
ensuring business growth remains aligned with
Prudent banking principles.

Neverthotess. CIMB Niaga recognizes that the
Imiplermentation of sustainable finance still faces
structural challenges, including varying levels of
Customer readiness, Umitatiors In the Syailabilty
and guality of ES6 data. and the compilexity of
evotving regulations. Moving forward. CIMB Niaga Is
committed to balancing Its sustainability ambitlons
with the strengthening of internal capacity to
ensure more effective and consistent integratlon

Of E56 principles, £IMB Niaga belloves that success
Is-measured not Only by numerical achievements,
but also by the ability to bulld an ecosyateri
that enables all stakeholtlers to grow together
sustainabiy.

SUSTAINABLE FINANCE IMPLEMENTATION
Achievements and Recognitions

Trreughovt 20125, CIMB Niaga recorded severat
achieverentsand milestonesin theimplementation
Of sustainable finance Tnrough Its sustainability
action pillars. the Bank 'undertook operational
Gecarbonization eforts by utllizing. renewable
energy and renewabie energy certificates (RE£S).
tnabling CIMB Niaga to adhieve a 4635 reduction
In Scope | and 2 greenhouse gas (GHG) emissions
tompared with the 2019 baselino These efforts
veere further strengthened by the operation of.
solar panel Installabon at the Yogyakarta Branch
Office starting June 2025, complemunting the
garlier Installation at Griya Niaga Bintaro: which
began operating In 2024. In axidition. measilremerit
and transparenoy of Scope 3 GHG emissions
dksclosures were expanded to Include employee
travel within its calculation boundarits. As a
Rtobat otizen, OMB Niaga also contributes to
Climate change mitigation and adaptation efforts
by actively participating in the carbon market
kcosysttim through the Indonesia Carbon Exchange
(iDKCarbon), As of 2025, CIMB Niaga hules (5000
carbon uriits with recent participatioh in! the First
Official Indonesia International Carbon Trading
through IDX Carbon on 20 January 2025 and the
Setler Meet Buyer forum at the Indonesia Pavilion
during UNFCEC EOP3O In Belem, Brazil in II
Novembar 2025.

Through the Sustainable Business pilar. CIMB Niaga
launched various initlatives and/or programs, such

3s GreondizReady (GBR) as. an integrated solutlan
t0 support SMEs in undertaking-a sustainable
transitlon the developmenit of Sustainability-Linked
FX & Derivatives Sustalnability-linked Trade
Finance (SLTF). and Green Trade Finance (GTF).
3s well as leveragine 155250000 granit from the
United Nations Environment. Programme (UNEP)
and the United Natlons Entity for Gander Egualty
and the Empowerment af Women: (UN Women) to
stronkethen the empowerment of women-led-sinsil
and medium enterprises (SME3) or other vuinerabie
groups In Indonesia. while also providing access to
financing for sustaitable energy sotutlons through
the Perempuan Berkarya program. Since fts launch
In October 2025, the G3R progratm has successfutly
farilitatad SME attors. with committed financing
reaching Rp17 billloni CIMB Niaka also Cohtinues
to support sustainable financing. As ol the end
of 2025. CIMB Niaga successfully maintained the
Campasition Of its sistainable finandng partfollb
at Rp53.52 trillion or 2556 af total financing: This
portfolio Includes financing for reriewabie energy,
lavecarban transport. green bulldings, and other
sectors tHat meetthe established criteria.

For tho Corporate Social Responsibility pillar. CIMB
Niaga Implernents. Its inltiatives through “four
CSR pilar: Education Community Health and
Welibeirg. Econormit Empowerrnent. and Clmati
and Environment. In 2625, under the Education
pillar. CIMB Niaga delivered finaridlat literacy and
Inclusion programs to more (han 10,099 students,
and awarded CIMB Niaga Schotarahips, including the
CIMB ASEAN Scholarship, to ST university studerits
Under the Community Heaith and Wellbeing pilar,
CIMB Niaga collaboratod witti United Natiors
Ehildrens Fund (UNITEF) to support- the. early
detectian of malnutrition in East Nusa Tenggara

KOS Setarubay Paporit
PT Band GAN Niaga Ta

2

2

(NTT) reaching more than 3300 beneficiariea
and carded out severai humanitarjan actions
for disaster-affected. commUnties Tirough
the Economic Empowerment pillar, CIMB Niaga
continued the Community Link #fadiBerkelanjutan
program. which to date has reached nearty LOD0
training participants: targeting. women and/or
persons with Uisabilites who riin Micro. Small
and Medium Enterprises (MSMEJs. Tne Bank
also provided interest-free loaris td 150 MSMEs
and facilltated the. estabtishment af -3: MSME
communities as part of efforts. to strengthen
this sesillenze of MSMES in Eastern Indonesia For
the (Gimate and Environment pillar CMB Niaga
continved Its sustainable Yambod tonservation
program,which has now reached more than 115.390
bambod piants, and Initiated thw development of
ero-edutourism villages in two locatians in West
Nusa Tertegara' (NTB) and NTT. As part of the
Collective contributlon of CIMS Niaga employees.
In 2025 the Bank recorded an average of 649
#miployee volunteer hours per staff exceoding the
target by 6250.

Tnrokgh the Goyernance and Risk pilar, throughout
2025 CIMB Niaga compieteditsciirnateriskanatysis
thirough the Climate Risk & Management Scenarid
Analysis (CRMS) for sebmission to the Financial
Services Authority (OJK). The CRMS model and
methodalogy cover 1DGS5 of the Banks financing
portfolio. CIMB Niaga also began applying portfolio
ctassifitation basad On the Indonesia Taxonomy for
Sustainable Finance (TKBI) version 2. This stepaims
t6 enhante decisian-making guality, strengthan
resillence to climats change-related risks, -and
Inprove CIMB Niaga's readiness In responding to
#lobal transitian dynamics. In addition, CIMB Niaga,
together with CIMB Group. continued to-strengthen
ciirnate-retated governance by monitoring progress
against decarbonizatian targets across six priprity
sectors. which are thermal coal mining. cement.
power generation palm, oil oll.and-zas, and real

ML Sesaat Hepamt
PT Bara IMA Mira Ttak

estate The monitaring results showed that 4 olit
af the|6 sectors or mare than 50P5 were still below
true reference pathiway,

As a strategic step the Bank atso issued the
Sustainable Finance Framework. the Climate
Cnange-Related Informatian Disctosure:
Framework, the Climate Risk Management Policy.
the. Sustainable Procurement Procedure, and
trie Sustainabilty Communitations Procedure.
along with updates to severat other intemal
documents. These devetopments and renewal are
initendid to ensure that CIMB Niaga's sustainability
Iramework remains aligned with national and
global develafments | partitutarly those related
to sustainability risks and opportunities 35 well as
Climate change.

CIMB Niaga, through the Advocary and Stakeholder
Engagement “pilar continues to ewourage
stakeholders to participate in sustainable finance
etosysterm) and engage In climate action. This Is
carried dut through one Of our flagship initiatives,
The Cooter Eartit Series, which comiprises a' series
of intercannected and cantiruous events The
2025 Cooler Earth Series -comprised: 21 media
engagemerit sessians 'involving mOre than
460 journalists 22 activities with customers
arid communites reaching more than 44.000
participants and 5 Experiential Learning programs
involving more than 249 participants.

Im recognitian: cf these: various sustainability
brograrns/initiatlves, CIMB Niaga received several
awards intluding Platinum Champion far the
CIMB Niaga Sustainable Bamboo Conservation
program (Bisnis Indonesia CSR Awards 2025)
Platinum Algnment through Community Link
#adiBerkalanjutan (Asian Impact Awards 2025):
the Mandaya Award in the Private Sector category
from the Coordinating Ministry for Tomimunity
Financing of the Republic of Indonesia the

Main Award fo the Financial Services Sector
(IDX Channel Anugerah E56 Award 2025) and
Best Public Relations In Promotiag Impactfiul
Sustainable Business (Indonesia Public Relations
Awards 2025) Furthermore, CIMB: Niaga: atso
recelved assessments from global rating agencius.
suciy.as the S&P Gtobal Corporate- Sustamability
pssesemient (CSA) wkha sustainability store af
SA (“very high), and Sustainalytics witha scare af
226:

Challenges That StIL Need to Be Addressed
Despite these variovs achievement GMS
Niaga: acknowiedges. that the implementation
of sustainable finarite coftinves to face severat
Challenges, arlsing from both external factors.and
Intarnat processes or. cipatity. Ong Of the miain
Challenges concerns the varying levels of readiness
among customers to transibon toward tow-carbon
and ciimate-allgned business practices which are
Shaped by diferencesin capacity. capability. literany,
and accoes to low-carbon technologles. Another
Challenge Ues in the avaitability and consistency
Of ESG data stardards and methodologies. which
Temain nan-unifarm, To address these issuta
the Bank has estabtished-strategic coltaboratjons
with varlous partners, such ag renewable energy
technology. providers,. emissions: measurement
blatforms traihing “Institutions, and SG
performance assurance service providers, through
trie Green8izReady program.

Frorm 3 regulatany perspective, the-evolving policy
landscape demands that the organization be
predared to adapt swiftly without compromising
prudential banking orinciples. The Bank responds
to this challenge by strengthening internal capacity.
Including enhancing employee competencies. UMB
Niaga Has taunched the Yellow Belt Sestainabllity
Training. for. non-retait fronttiners at relevant
business units and branches, witti more: than

500 employees participating. This program was

Introduced to deepen sustainability Understanding.
Strengthen Tunctional capabilities, and build
tecfinicat skills in support of. tHe-2050 Nat Zoro
Emissions target

STRATEGY TO ACHIEVE SUSTAINASILITY
PERFORMANCE TARGETS
Sustainable Finance Risk Manogement

The management af sustainable finance risk
one of th key drivers of CIMB Niaga's business
resiience. amid increasing -Blobal uncertainty,
Inciuding clmate risks and the energy transition
that now directly Impact asset gualty and
financiat perfarmance. The Banks sustainability
risk approact 8 applied not only for mitigation
purposes but also a52 integral part ot strategic
Yecision-making Severat Initiatives Undertaken
by the Bank Include estabiishing and menitaring
the Banks sustainability risk appetite, as well as
tracking progrews toward the decarbonizatlan
targets tnat havo beer set.

Utilization of Opportunitles and Business Prospects
In Sustoinobte Finance

The transition toward 3 low-“tarban economy,
with & particular focus on climate-related
Consideratians, creates sidnificant business growth
Gppartunities In line with. increasing Financing
needs for renewable energy, energy @fidency,
Sustainable transportatien, and business process
transformation. In addition. the Indonesian
Sustainable Fipance Taxonamy (TKB!) offers
strategic opportunities as both @ compilance
Instrument and a driver of commercial value,
servingas a reference standart to raise awarznesa
and educate industry players In Indonesia on
the Impartance af transitlening to 3 lew-carbon
Ecanomy,

External Situation
The Bank tonsiders external dynamics that

AU Sesama Paporit
(PT arik GAN Mina Tia

Inftuencu the direction Of mistainable finance at
bath tne national and global teveis, including the
implementation of TKBI version 2 Indonesias
commitments under the Second Nationally
Determined Contributian: (SNDC). the Indonesia
Net Zero 2060 target. as will 2s developments
in global reporting standards and frameworks:
Indonesia's SNDC reflecis 3 more ambitious
approach compared with the Enhanced Nationally
Determined Contribution' (ENDC), This shift &
driven by the. transition from percentage-based
targets referenced to-thie 2010 Business as Usual
(BAU) sxenarlo toward absolute emisslun targets
for. 2035: using the 2019 historical emissians
baseline When compared with the "ENDE CM7
stenarlo, Indonesigs projected ernissions under
thie-SNDC are estimmated to be at Wwast 855 lower.
“Bank wlll continue to review Its sustainability and
ciimate-related metrics and targets based on both
national and global frameworks and standards.
induding adjustment to external dynamics. te

ensure the creation af sustainable business growth.

APPRECIATION

With the spirit of #SekarangUntukMaseDepan
(Now. far the Future), we extend our sincere
gralitude and appreciation to ali stakeholders
and to #teamOIMBNlaga for the trust and strong
edllaboration  throughout 2025. We remain
committed to advancing the implementation of
sustainable bUsinkss prattices “acrOss SECtOrS
through ollaboration with-stdkeholders, ensuring-
that the transitiori toward 3 low-carbon economy.
and a just transitlon can take place indlusively
and delkser positive impacts for-both sodety and
th environment This 18 alighed with the Bank's
purpose, Advancing Customers and Society, which
serves as our Compass In creating long-term value
for stomers. communitles, and the planet

Jakarta 17 March 2026

Lam

LANI DARMAWAN
President Director

24 M3 Setarutsay Pegat
PT Band GIMA Nia Tt

Sustainability Report Responsibility Statement ........

Board of Commisioder' Remorisibillity Statement for this 2025 Sustainability Beport of PT Bank CIMB Niasz Tbk.
We, the underukgned Board of Commisnnera oi PT Bank CIMB Missya Tbk, hurerbay desckares that ali irdornmustiet in the 2025 Sisetalnabillty

Hepoct of FT Bank CIMB Niaga Tbk & presented In Its ertirety, and that we take fill mponsibillity for the coractnea of the content: ol
tie Sustainabilhy Report.

This statement BE made in ali tndihduleees.
17 March 2076

Aytheundenigneii,

 ——

Didi Syafruddin Yahya
#esidan Coruna:

asal

Glen. M. S. Yusuf"
Yon Peradant Commesanner (Independen)

Aha

Sri Wklawati Handajani Farina), Ah
Indopendetir Commulsrionat Comrsinldner Indopendent Comminidocr

an Hg
Dody Budi Waluyo Novan Amirudin
utepandea CAOTEteR Kotiuer

gponend 25 uin endepermakarn Camuntisaran a dw ak Baung CIMII Miaja Boni ad Cammisatoncra Cacat Terror Mes AHOK KOMENTVN NIA did & May MTA

26 | SIS setanutty Pepori
PT Bank CIMN Misgya Ttat

Beard ol Ditsaiy Bemponsibility Stateriatit for the 2075 Suntainability Taport of PT Bank CIMB Niana Tbk.

We the undsrsigresi Board cf Ditectos df PT Bank CIMB Niaga Tbk, heseby declane thuet adi Information In the 26125 Sustainability
Report of FT Barik CIMB Niaga Tbik z5 presented Iri Its entirety, and that we take full resporeibility for tho corectness of iko cdntants of

this Sustainability Repoet

The statemen madein ai rothfulnese

U Mxcb 2026
By iheundersigned,
Lani Darmawan
Presidanat Onec3or
(JS
John Simon Fransiska Oei
Depan Diwetor
Henky Sulistyo Joni Raini
Diva Ditectnr
rr ,
Noviady Wahyudi Rico Usthavia Frans
Dareetar Were

A15 Semamubalay Hrport
PT Barik GIMN Niaga Tb

27

Board of
Directors

Noelady Wahyudi Pandji P Dinianegara Henkv Selstyu Busly Johannes Fransiska Oel

ameetni

28 | Taek Oman TA

Ricn Usihavia Frans dori iri Lze Kal Kwong Jots Simon

Frnsedeir (eactar re Iwectar Drperca tirgcanr

“Piare Om Nag TA 29

Board of
Commissioners

Kedy Budi Waluyo Farma | Situmorang Vera Handajani Desi Syafruddin Yahya

(odapendent Cannon Indepenaarit Cornesioner Lanynetane Presedenf Lommnsibne

samukaay Pegat

30 ma OManan Tk

31

1 Pemai

APPS Setamab
PT ihard OMA Niana Ttak

Sharia
Supervisory
Board

Or. Yulirar D Sanrego. MEc Prut Or. M Ouratah Shikat, MA Prof Or. Fathurrahman Djamil. MA

32 | am OMKan Ta

Our Support to the Sustainable Development Goals (SDGs)

Ba

Es

SDG Indicator

#etuese Nigaar less of seanorak

Achiewe hill and productive
menpiaynant and Becant work for ali
Weber and man Incbding poling
Penala and persona wrn #sabilfties
andi egual bahy tot Wari #f gl Val

Taka Itenediata and dffectie
MEREreS Tp #ragisatn Forces lasOun
traftiding and secure the pranihttan
anti stiminadian of the worat fat of
enid kanour.

Proteer libdur rights and
Promote sap are seure MErMA
Erormenta ford worker

Aye cerpcanan for IT operamonat functios, eering Cyber Secunty
Indraspuxtire Syatesrr Management Date Lertar Operation Management
ang Appitatyo Develcomen.

Ageng certihentes (PELI of 287) tannes at COL seujvalent.cr menewable
erarky angulkakerit ta 401622 GL

Bark operated solar panelis at Ing Gnya Niaga Bintaro Land 2 Haag

Gif teritilbaiting uwoded emasiona of 335 totines of CO, egumalent
€ ronesadle mepy agunalent to 1507 BI

- Ybrougs GW tua ratiatives abuus. Ban avoided murz has AD 2D tannes of

(3, ejukalert pr mpes Tuan K2200 G1 of eneuabis ang

«Balok naa ridleovant poles Ibeludrar

al Da Human Rahta Policy winch mfoguards tundamantal tabour rfafrts-
and Uphotds sglality bindpls Wihbut discrinneton bil on
athnicity relgian are sex, RreUp afilntan Latidi SIA Or Ather
Gia0eninatory tattore that may olate hlmen diah

Bj she Dweruty and Inctusan Pnncpies Paloy under which recutmerr
atdseincion prbocee ralat Uphotd farrese regatdlesa  andidatas

daggroung
- Mecrutment Is conducted otipe tel In Jirel aris Bian rrarned standards.

and Dusiay pooriples
Falof December 2025. emollnyer tornbesiticn was SEE women and Set
ma

Bank Nama Huma Rights Poloy with comenitrnssts nat to be Involued

19 forced Lahoun mesarn tayery. miprane tapeur eepiaitatinn. human
#eaffioking ara Onkd labor (uht 18 Ir hararialis seri andi cr Urstar HS)
ang & applins to Bani. GsTOMER IN PAMA

Bare ada Numnan (iphss-related orteria (0 sendor salacion trisaa Baloh
22 the avakabilty of a human Nan: policy human rghta he dp
gina memhanin nd commitment 1 dersity eouty and
nekaon)

Miipene (SES) for customers ang prope ve aatomera

Bari Is cOrmnitted to fair tenant fot amployees Ih lks with thut Code
@trhies and Code at Canguct Petioy and retara to UNGI Princola Ion
#eeedom Of anmadatioh and #temive recognitiot cFihe ngat to coliecihe
bargaming. nelading forming labour uniara and cnilecove langur

agreementa
«There were 13 fernala cuntompesin Sani: MEME financing

KOS Setarubaay Paporit
PT Bari OTAM Niaga Ttak

33

3 Ensare erat opportunity and redare  Sameas Iheachimementa mer 83

DA seb piliime, epecialy ical wage Bank provides alometcra Me Inasance ari Nesteware inih mih appa
an Dia Protein poles arit oran The teniributan to tee BPIS Eror pesan pes by Bank.
Progpesalisy acheve gresta mnaity SOE weie tie zmelbyer cemtnbutlan Is 325

aihentus of natural resnuraa ang 2 by 2IED
- Band rasailed salaf Danele-at urur ofite head offers and CMIN Masa
Panchafhces
- Bank purchasad 102733 #MIM offlenewabile Energy Certifcates (NEO)
- Aa gf December MIS. Bari has TE ON carbon unfs #rulveani to mpre.
GeniOR 10732 million reeordit as intangoleasseta

Bi Serpihan meslliknce mud ataptnye «Graha UMB Pass is Kerifissfas 2 Diatur gyeen bullding dy Bulifing

Bamboo ptarbng mer 2012 of more than MS thoksan hambeo

Phenete dewlopinea. Ka “| Bank charnelled MSME financing af 222118 triiban in 3025

(rena polis that semar — Bank proviard Tinanorgg 35 nara than 2291 MSME dethtore with

Podiiceve artities job kreatian Ditatanding balaricee of Rp2418 #illion, witita cnmpositioh OF 22 rricrin

Hasan ega TP small ari SPS mean ampas (urther moratian um be
found in Pilar 3 of Simtanabis Boss

Serengihen the capatity ofdomeste | Through Sail banking Imiosatlin. Bank ceanda-and imeihes Access 10
fmancial etitutise to anurags ang Melani M pend eter Lara bee Pnsetan

topand c:cess to banieng Insuarte und Cewelopmmesit af Coitalnabte Financa Protucte Services and Progam
ang finangal services for all na

Incresse Sctes ofamidiacale In 2025: Bari had 31385 Indieduikl and MSME current aerouni Elstomera.
#odabke kerdit

Lepas miras and retrodit “ln FI2S Saruk proud MMUE Fwancirg for canatustibn send and
(eketrestn miikrtemamtarake oo Infasnature di Mpa Trifian
— MUAL Mancing aeaf 31 Dewnyear 2025 rescned FO3SB trillon tb Tere
Ian 4200 debtora

|
4

Eros and promete nia
#munga an pelitical nclusian far
 -

Integate cimate cidnee memar ne
ae eta and Aang

Bank provides banunp sevces for ali means wihokt PRA
Bateti or 2ON/NIKIV relloio, rate Ae. gender run #FOSIan acid statis Or
Siber distrimenatary factors that may Wolate human oghta.

«Erik has cetabished Sustaakihy and Sestainabie Anang Pola
Mao en Pe meta date Penge SraEyy

» Bak 2etatibshes the Ietegratettand Clmusa Risk Unit.

— Bank Onelarei Umat stereo anayas (CSA) memeaulaa

“| Bat. together with CIMB Gala) Haa antam anna. bgi
Giimata fiicx Managament prajpet Tha: prajpet Oroduced strategins and
Intern tirgets for 309D atroes mx wctnre Further details ane presented
19 Ina Cimate Acsion Kommimans section

“ Bari implemented the Net Jero Operatonatitatiin Progam
18 achieve Baris interim decarbaniesnan target Gaak wil ala
Incorparate finarc ed ama interaty froiti Finance aeitirs As pari of

teearabiny sonudnaton

"Bale cilosiated GH #rremeoan rom Gank Fihtanciing ae &F B1 December
2226 2erps ring Score ideratind by shg Not Zerg Banking Allancr
(NBA) as high emusilons mtensiry skictore Tn pesillts mow 83 rnilliors

«Bank mplementad itu Ng Drtorestation, lo Pest-and NG Explotanon
(Woo) cermemitrnet tor pudrn ak and toresary Enancing The MODE
SETIR MEN has been reguires for ati dehtore snce Derameer 2003

: eng daa mg Daan ad mama
Tomparies ka: izsa than 0084 of Bara petai finarsgirie In.
aan ee Taput patas

— Bank teeettrar with IMB Geoug. tes a Coretan to Gellver mn gamatta
#aastingat RM3DO bila, euketent fp R11 222 erllica in 2024 under
Ira Creep, Sactil Sistematis Inyati Predhicis and Serves (GS3IPS)
Samawotk Ia AITS, CIMB Naga tontriaited 0158. trillasn to sajppord this
KTA

"Baek held sustainable Itsarnest porifollos hi Green Bosdeand Green

2d Ehterprnes (5063)

— Through AMDB andi ITIB progrene Bankintrotfocesi sperisi seuinga
ar studi 10 Me younger penataan Tes eeiatve ha for
af ihe Banks spobit for the KEJAR (One Account er Student) proeam
#etatet by the CIK In ALS thema werg ADS mes savinga ato
mpesed witita totak donatihn of RpADE SS mailkot,

In rs wi be bamboo conevaboh brogramena Bark alac della

mntreeherelip and financial ltmaty

» Bank cundocad 8 portallo mnpacr analysis to storm buas satepy
almpat 285 of Barkt total financing Indiuded in the sustainability
Seattiye secine

and ormas 1 ass financng for the thermal zaal sertor tv 200.

Tirouga the Eecllaion List Bank seohihits Foaniling for drbanrs dnestiy

and ar indireniy involsed in arttes Mat adversely affect Worid Hertags

sim and athersitea keeluding but not Urmited tr

& Sites resources. habitata-ar landscapes Of global or national sanificahcs
Penataan for lee and emas CAR Ceriiad with
Temui mobemant

5 Natosal and orinternetinnak pentet are asa Kraton
abeas ati serliana 1 Ramaar sites.

Teko urgent actiin to end paacklng. Barik Mapan Lerilison Ust in which one-ofF the probibited aciMtes kirab ca
andtaffekngof proterseassecme for Magalartunes

End bus eibitaton tafhellng Under the Human Rights Polloy Bana comrnitted sat to be Involved iiforcedi

and ali formeof molenge agarat ang Lahoun gr banded labaur gr debt labour. child lsbour funger 18 in herardose.

tortune eFthlldren. work and or under 151 #egrant labour #spioktation. human afficing and
medan alan

Reduoe Hot #rantial and arma lok. Gank hasan Sisfusen kt in wfici ane of the prohibited axfufties &
sinen assets and cembatal fame Money Laundesing (AMG, Covetar-Terroosrm Financing KTI and Counter
Pera va Pruliteration Finanang af Weapon af htasa Destruman (CPPWAMLI) Prograrmi

es

Siibetantiaiy reruce corrapnon and
Sribaeny Ir ali theme Fararaa.

$ Bank nas aaataf Probitited Simas Artivipes (Estiusion test) whicn
Indiides #rancng for meagons & ammunitian and teratam
Bank obtained 5G 370012016 Ant Brbey Management System
se tiAkaman for the Sirgtepic Procueiment ang Admin Praperty

Manapernent Sub Srennata

Bank Pit Sigra tie Intoprty Part Caca of Erica & Ardi-Belbery ang
Cerraptisa Cernmermant-by the Board Of Convokalaters and Dirartora.
Wnicti ea than pubeetuat on CIA Marga trial Wetama " 2NG
NE step reinforane Barat obimmnitmeat to uihalene Intsprny and
Tarra Pe Maung of the near Pari aiso Filost 00

Cerraptisa Cornmermiant firall miployees both perrnanarit ah
Temparary Ines the pem sam

Through these eHhirta Bani cantares that every CIMB Naga mmpinyee
Menma Inai cemASeNAN to Integrity and compbanecoestantiy from
Wtar to ysar t3 2026 thesigrong will take piacr an Ime 2 2106 and
aktestatipo Dy Jl rmploeses Wfil taka place from May 5-4 2172.

mec-ahisra to minrage Oatoner 15 Miopt sugamability best proitey
0 Onduttigg bas anne

| Bank nasa segbated siitebabiity weiete Thee Lan De arceesaii pobliciy,
Bank acyety Implementa matainasbility mtistiyes such 25 The Cooler
Eprta Sustainstnlay Series to mesawaranasa of amergiing
lesu catu ae aetlon #rarn Gaston and ssehaliters and bulis
Tegbi: momentum on matanahi

Darto 2125. Gak Diki Frxtre Than SO bakire Semata an duta dung
petamat (sks an Keparat

Brief Communication: CIMB Niaga and CIMB Group
Towards Net Zero GHG Emissions by 2050

38 PT Bari GIA Minga Tak

Strategy Towards NZE 2050

selera

0 Optimrestion of physenl oftee fecilltiw
8 Fesudion in ihe (botarint of operatolisi office

Avoiding and Reducing Energy Consumption

Invetniant In eheray eflidanoy Initiatiees and kete charge capai

Desiiopiment &f fsterne Ibr retonding Banks openillinah GHG emnissibts data

Replacgrent gt at condiboners SA) in several locations for energy savngs

Conversian to LED Ughrting st operatimal offices

Eresrgny-nsulise Initiative (insta suit hiny of blisetrical ejulorneni bfter operating haus at serat
best offis

....

Green Energy

& Teoesitkan to newbie eserpy spunces through the parchess ot wenfied sengpeabla snenay certifeats
2 Solar pare Iestallatior proteets
& Internal Carbiori Pricing OI

Green Sector Strategy

2 Tenodic mesurement and moendonga of finance emussar Iromn te firsncina perttalia

2 Settang green Snanting targeti ara siratugies kar the palem ai. poet pereritkan thermal cie mining
aril cerment cltura

@  Cobedination with other besinesa Unlts on green Nnancing strategies and dpportunitks

Carbon Otfsets

Purchase gt higb-oaality carbon unita (vb certificatiare) from decal snurus ounavodabie srpssaprrs. for
meammp33 through the Indonesa Carben Bartsanes (0x arban)

my Saman Aa Tepar 3 GA

KIS Seentamabaay Fear 39
PT hard GMAN Niana Tak

40

Kcy Design Principles for Setting Interim Targets Towards NZE 2050

Bank cets its 2030 targets in line with the NZE 2050 cllmate ammbition through 'a science-
based approach to keep global warming at or below 15'C and ensure-a liveable planet.
These targets serveasa basis for Irmmediate action while preparing longer-term targets
that support Sustainable growth. All target setting Uses credible sdentific scenarios and
will be reviewed In line with developments In science, methodologies and applicabis laws
and regulations.

Te 'deliver 3 just transition. Bank balances environmental protection with Indusive
development and food and energy security, while ensuring the journey towards net zero
Bundertaken together with customers as decarbonisation partners. including In-sectars
facing challenpes

Banks primary focus is to set initial targets In the most material sectors that deliver
the greatest decarbonisation impact and have significant exposure to EHG emissions in
the financing portfolio, to support ari econorny that adopts sustainable practices and
technologies. Further Information is available In the whitepaper on Bank's website

KI)! Sentamuataay Pegat
PT Bari OMA Niaga Tt

yaaah
mana
inenoeay,
marriud
dr taon
AD
raaolone
pe tee ad
Teraant
Cement
Pesidurtaya

Fed Patel Pisiraoohe Romeetidheratorg —— (herinak Colt vemeri Beerkapori, tenar,
» “aga 3 ngernttes aed
rtang and prodiurten KET (eat Essatn
AV Hiaigpt (Eni) #wedinent Ihusang
Anang Tara tea tendang tepet
mud ntngratd mci Iytak
SLaod ri Wotrie olesi at
Pn bad menda Doha
ka » 26060 1 fineluding Sxope itur Mt pyrkatar ttope 1 Kcope Ulang Seopetaig2
teen resa Somad Pane aer 01t sana $ Arena AS
Soga tan (angan Samar Teman from tnstitngs
Olwng segursinstunjaed producng
vena Seage 2 tar plantatana Gatmmer
IV Haigps erotis and keitesyasad
Anang Pa ki
1 Sespr Itam uren an
mxdweles (rniattmg
sourorng Of treah teu
Sundel croducte by
atprated tintorners
Ki Pnanerig peratio to Curtamari
Cispa #rebherit purtfolin pet orde 5 Awbikatike he Sale GAP) ane bolt to Matutry GATMY
teciadng » | Kretiation of capital-ajing ae2ats tar carstamwre Metugng band ang muk Kauangg and rat putinc oftermes (included in me
AN Targre porttolio of Hand mbedaru MT OMG Naga Sekaritad
Anung
Postiw Aek ie 2027 #35 (pee 2027) MD per 201) TT2 pet 23 (por2021) HI pe
2021)
Sini Tahan 2 mg Son bali Sui ”
Peter Aduseg pun (LAG Adista BAN oo KANE santana SANERST  KANSECNENII
Arbekatio Gagomndidey Panitia tor 3550 (ngana) Iregloruatj Jinbaeteitar (regarati bengicmalj
pan Ot kenari Data,
far areat
NUX Pan Adkatad SHD PLAG Adjuse 587 Pase out Miped milih Abgned moh Migrasi witt the
Lemot Parvesty tor PRA Cawwmesdity Pepe ta Ie eren AMA setia relerenan
pal al (pond) Pattnaoy far palm Mermal ceai retreragn reteronaa tv tv HAL
2x (regorad Imesmiabenn Ibra NY

Nate
Per Ear TERTATA Aa dar arangaN PATIN KENA Knama Mit KKNI matt UM emg AEal part Wesica te tara ivuap tar iloweng ar

as Papert
PPT fkarik ONAM Mina Ttak

41

Sectoral Interim Decarbonisation Targets and Performance .......

Thr 2024 regional analysis results show that decarbonisation pertarmance varied cross sectors. Thormal caal
mining, power geoeration, cit and gas and palm oil. were belaw the reference pathway. Real estate wes:recorded
slightly above the set derarbonisatior target butotormalnkd alignet with the direction of the reference pathwayi In
Cortrast. the cement sectar showed performance that was not yet aligneii with the reference pathway.

Gank performance reporting has oneyesr Interval to allow for compecheneeve data collertion verifitation. and
recomeillatian (9 accordance With that reporting oycke Tire Bank continue to striee te reduce this Interval and improve
the timolmess af (rs reporting

—— ——$
2 ——— — T— — -
(— iroiekenatame Dit Gas
Rn
Tan
N 5 Ha 1
2m ma bantuan ai Be Onbhaang prabu |!
. - -
x Palem Oil Cemerk Hp semati tete
ta Ana 2

—enintimn Tb ag teang
- -

| Fa aman hina man em Ina
"- y. |

42

The reductlen in exposure ta tha Thermal Coal Mining sector continued thrdughout 7024 kesping the partfolia
betow the reference pathway This trend was driven mainly by the natwal amortisation of financing facllitiss and the
consstant application af the strengthoned Coal Sector Guidelines While utilization of proviously approsed farilities
may create shart-term filctuntiona. additional controls through secar linmts ensure that mrposure Is provided only
for activities that support a transition Or astractured phase-out.

In the Power Generation Sector. overall 2024 performance remained aligned with the reference pathway aithough
It woakoned compared with the previous yoar. This change prrnarily reflecte updates to data guallty and power
generatian methodology, resulting In a more acurate representatian of the partfola Beyand tiece technical
adjustmente the strategic Hirection remained consistent ihrdlgh financing for renewable energy and limits ah
tepeslre to high-amislon aneets

JI Sentaruktany Pegat
PT Band OMA Nizga Ttak

Meanwhile tho Ol And Gas Sectne recarded irnpeoved finarced ernissiahs Intonsity In 2024. alongside lower meposure
and Improwed eenicskons pertormance among key cuntornera The improvement largaly reflectnd one-off operational
adwstments and did nat yet represent strucuri changes in the sectar With Umitattons in indirect cmisspns data
persisting the portfolio rontmurd to be managed cautinusty to ramain allgned with the sector target towards 2030
thcoogh monitoring and Tanstian-upportka firiancng.

For the Palm Dil Sector the 2024 portfobo continucd to track: the referonte pathway. Changesan emissions intensity
were drisar mainly by lower exposure. while comparability acrots customers remdined a challenge due todiforonces
In methodologies and frameworks used As adoptiun of appiroaches more allgned with the GHG Protocol FLAG (Forest.
Land and Agriculture) Ineroaces cistomer angagamant tontinwed to focus Gn Improving data guadlity. emissione
dialosure and sustainability certificatloti

Customer pperational progress was & key factar behind
Improvemenis (n Cenvent Sector cmisgons Intensty In
2624. Production @fficiency Imorovements. incroased
Use of aiternatie ficis and elecirification. contributad
to lower emissioric further supported by the absente af
a repeat of large-ccale facilitatod Financing transactlons
remrded In the previols year | Hewever secar
performance remainod above the global SET Carbon
Intersity Patnway for Cement reference pathway. Going
forward. CIMB Niaga. tegether with CIMB Group. will
TEVIW the regionalisaton Of the referonco-pathway as
sector data ayalability improves.

In the Real Estate Sector. portfolio emissiore Intensity Improved In 2124, alihough Ir ceonained dightiy above the
reforenta pathway tsad A shift In exposure towards markets With stronger bullding energy aficenty Standards
and more mature disclosure guality wes:a key driver of this change. Siven that operational emissions in this sgctar
depand heswilv or alectacity consumptisa, transition eifors cantinucd through financing and customer angagement
10 improvi- energy 2ffoenoy adoptHow-carbon techniologjes and strengthen emissians disclosure

Emerging Focus Area: Data Centres

Data ceatres area rapidIy srowing partof- the rei estate sector. driven by rising demand for digital
services. cloud computing and data storage and characterised by Ngh energy consurhption. When the Real
Estate Net Zerd target was sat. data cerrtres were nat expilicitty
Inctuded within the sector scopo due to Umited partfalin
meposure As thia sub-sector growe GMB Ngga together
witn CIMB Group, cantinues 16 monitor Geselapments and wil
provide turther diselpsures in line with the dewolopmont af data
Centre managoment and financing appeoaches algned with Net
Zoro objectives

AU Sertamubaay Raport
PT Rara GMN Niaga Tak

43

44

Strategies to Achieve Sectoral Interim Decarbonisation Targets by
2030

Derarbonisatinn Strategy

Eesura commpilance Weh the Coat Sector Gundalines

Ceeigtnen te Coal Serner Eulitilres pericdirasy Iwluring by epanding ane and Pediuting ran
threshold and or fuel mili theeshtolda for new arel aeuting debtors

Proartissty engape debtars to Sppart Iher diherufication plars

Eraure relevant bargrals ara ma plure 89 menagi ancin-eangamic #oparta arting from the transition

Eraure comollance with ne Codl Sector Guideln

Peogresshviy stengthen the Coal Setir Sujidelines in lina with the commitrent to phase out thermal
coal mining finanang »y MMO

increase the share of fiianong 10 renawabla energy

(inasar Carbon Capase Utilizatos and Ssorage (CCUS) technology as a long-tera strategy beyond 2030
Facfitate carty retirermpre af fesad-tusi power plants on A phasan hasi and in lang mh ngutatory

ear Ban or Lean Dy Rt proniding maa debat Finanang tar ne ad Fita prosetts
What Gevelbormani was apn oves after 3| December 2121

Sepgortang finanos besinesa diversifcanion for oiband gas astitors into renesabia mergy lowtarban
file ard pete mi nmustire

Actlvely supmort al and gas Genturs-to reduLs Upstational emasins intessity and improve production
afhioenoy

Facilltate Mettrs heel mesting and anang rat ro GHG mera initepes

Mantan tne No Geforzetatin, No Pest and No Eeplortanon (NOPE) commutmant

Senar debanga to Obitas certifikaton un mternavonat and local st hernes. memet te Kemnitatsa
9n Sistsinabis Palm Ot (MSPO) Malaysian Sestainabia Pairn OIL (RSPO) Indonesan Sestaihabts Pain
Ot BSPO) und the Intersatiorat Sumalnaplity and Carbon Gerson (SEC and #mprove enyesipra data
teatina

Provide fail trs For nami ce-ohed sustenable palm oli debtors and support esting debtars to delik
andaceleatr emasana ntenety redurtonsfforta

Pravide Pesmong fanlibes Far toe irstallatisn af binyas power ptantaat palm oi mtk

Inorase Financing and other foirma of mppart 1 debtcand tuppllers Focutong on scongme Irelislitin
and #mpronng iieelinoogs for vulneraht groups for eeample skills desetopment, mproved yitlits for
smalinckrs ON upsiraan airetas and citarasa

Encourags and support the adaptan of terhnolastesand production mnathoss That reda emukiara
Problde Fenarvng Getar to opor setor dararhunmatian

Work vit dabturs in the real estate sertor 20 decarbonaa «order to stimulate Gernahdfor lom-arban
coratruduen meterata

Collahorats asal sngapi vetn esuatry orpaslsations and regilators te contribute ideas on decarhankatian
sffore

Salecnurly onboard new cernant debtora with Clear tranempn plans aignad wi net zero RIS

Prencihg the deedopmnent. retrofit and maintenance of mnc eng efiieat bulidinga prioritaing
tanding for properties wrh higner energy afficmnoy ramnga and recagnised green bulding cermicatons
Sepperting 2eerpy tranaltlan Intatees its tudilnga Ineluring #leririhcason Gnia tennis
@rtergv Installatinn and the procutement af resawatia shergy throogh Power Purthase Apresmants.
teras)
Sespperting barrowera n destupang ang artipsing Cus set-2eo Gremahouse Gas (SAG) emissians plana
Preser the development, ebefir and maintenance af one eneg affideat hulidinee piriorItisine-
#nancing tor Dulidings wtth higher anangy #fndenoy ratines-and green building cernficatoee
Support shergy rarsilan in buldihgs, Ihcloding electrificatiur, or-site renemablie energy cabaciny
Irstallatico aril renbaabls anergy proGlreereht tentu an Power Mirthasa Semaemests (PSV)

-. Sappart destors n develaping ang achirving net zen GMG anton: piara

X2) Semtanukalay Papan
PT Bari OMA Nizga Titik

Intensity

matan

The tabie below outilnes cppartunities for Bank to strengthen perfarmance and long-term compotitiveness across
different time horizon: This presentation focuses on setected key sectors that shape thm transition landscape In
to ASEAN region. While not axhaustive. it-highbghits sectore that-are currentiy most material to Banies transition
srigagemient and strategy aligned with Banks ciimite-related risk and opportunity management approach.

Barik (re 3 shart-termassumptian up to betarz 2032 while th medilim- and long-term horizans cover 21130 anyaarda
In kdentifying and ascessing dlimate-related opportunities In addition Barik asspeces cpportunitiss In pmerging green
sectars. Including green mobillty, the circular e—norny and data centres thrgugh the GSSIPS framework.

Femulng rememabie ererpy penjara (enlur,
weni ara hydrapower)

Support a-phased phase-out and accelmated
Sar Petirernang af fosil pemer plantu tinat dn
not hai Snisioke capiure techmoicay

Medium to Lang Ter

Peanee trpeacale pnurgy storage salim
aed gd uborades

Support Gros—tertor Integration poket
and the deelopment of ntertavertad
regina powergrids (for asatnoia the
ASEAN Power Erid (APS))

Deselap mydregar andi other zericarbon
zen aalatiora

Supnort cintarpera (3 achileving sustalnanls
palm Ol cernficati Hati as MSPD ISPO,
$5P3 and ET

Finance moden agriekiturat technalogis that
Iriptoee yicids ardf temirco sfhnieney
Promate hiogas capture and cincular waste
solutitra "mill opuratiors

Suport the mnpnan af tecmnlog -tesud
Tekukur

Foanee targescaie production df Law
Grban palm dewatver tuuh 35 Wocrar and
Sustainable Aaron Fatel (SAFI

Nature operatiandi amiksiprs through tost-
#ffecbvs mesires

Finance Sversficetan tewards remnebis ang
laye-carbpn fuel and derarbantatian resanh
and development

Support Cewnstream useca partculariy
Otot hay Indoatry re por
Feneritian, to st tonarda Laane Ry
punca

Oevelap nyoragan and arher kew-carban
tuts

Scal2up zarbon capture and stnrags (CCS)
technolagy far ndusmal apgicatioee

Heip tustoren-dieraty towares Sustainable
Husinesses ang atternative gsen Incnme
arema

Promote aaiabie and cortaect
terfoologes to geceierata the tramsitinn From
Sea Ia Un ag

Sipoort ajisttanstlan for Woriters and
"wroueding sommunges

FU treselbiin to renawabla Snergy Dasa
Continee suppert fara just-tranerbon ang
temona mengy reraaton nrastruttire

KOS Setarubay Paporit
PT hara GMN Mizga Ttat

45

46

- Fully tarsitan 10 eewable energy rata
Continue support fara justtransibor and
reslanat onargy tangan Infrasmucture

Finahca bo captire ia storage (CLS)
propas
— Seno tra deler CF lema tarticri
cement fomnulabana using snvirosmentaly
Kendi noer
Sape Ker attonnion af ora Searuttan
materials

About the PEPOFt si He bi inn sama nasir ten ter Lara ii

Ling Niaga perlodically publistes-a Sustainability Feport that disciwses environmental sotial ur gewetrancz (ESG) performance
The previous reporting period Sustainability Bendrt wes published or Wi Marc 2025

Ths Susthlnability Pepori presents Banks perfarmunes far
tie reporting period (rom 1 January 16 31 December 2025 All
dita arid Inforrnatibih were cormpiled frorm CIMB Nicpis Head
(lfits ane all Ol Baris dpsratiohut iivities In Indonesia
Ferandial informeatian Is munced from tie concolidated Nnaridial
Staternenta audited by 3 public scmuntihg Hem, wblle burian.
Pesatirces Ie dariveti Iromn the anik arnpiloyee tata Slectricity
and fuel Corsurnption data cover-all operational tiHices af CIMB
Wap and ts subedanes an Indonesi: Merasa restatementaf
#enfouse gas emisatons informjatien ram business trips dus
Pon apaan ap the ciaicudarbon merhodology

To Smua pelidbitny wrsitengy, and credibility af the
Monuaban the AS Sustumability Peport has undergane
Independent verificeton (inwted seuana) by the public accounting inn Aint furnesk Rlarito 3 Rekan (PwC Indonesia) The -
verifeation process (limited sssuranus) was conducter Wih reference Ioapplicable regulabune- standarda and tramewode, rtuding
Internatinned Standard on Assurance Engagement: SAE) 2000 (Revrseo). Assaranes Engapements Other Than Aselits or Reses ot
Hatorical Finandiat Information (SAE 3NDO (Fevised)): and setated to greenhouse gas embos Internotional Standard on Asmmenes
Engegenets MID Asptante Engagementa- on Greenhows Gas Statement IISAE JA) 2 med hy the-Internetionat Auditing and
Assayanes Standeras Board. The-apnointrment of its verifi— | uranee practitoner) wes carried ant In accondanee with the Goods
and Semata Potret Poiloy ang Proceduires receh approval rom She Boarii o Ulkectars and as condirrpasst to tee fresi rum
sanfikta ad mtereet The verificatkan period (limited aesuranee) tok jilat krom Asepest DILPS to Marciy 2126 This process supperts
mepot ting Ihurt ke sthvical transparant. and 2erountatite while strengtheming stillmmoliler trust 1g long term value creaflon

S5rb complles WM Financlul Services Authority Regulatkan (POIN) Na SUPOI 03/2077 an (he emplernentetkan Ol matanutts
finance June tts preparatian of sestalnatility repuarta Ir adelltkn. thud Barak diaz eppilles varites refurangas mretres that adopi ant
allgsy wtitv other sturutarca aral frayusncorka beusludirgg Itu Slesidl Pegusriiry Mitiathvar (GS). he GRI-54 Financlil Services Sertor
Supplermend. the sarly udubtion bl the Internationul Financial Reporting Standards #FRS) Foundikllons IFRS Stand S2 Implerented is
Indonesia theough Sestninsbilty Ciselasare St-ndards (PSPKM 1 and 2 uni tts Buriks support Ibr the oehisvernent of the Sustaihlbile
Developrsent Bouls (Stkts) Where the Bank Ukes mnatrici deriwed (rum standards ce frarmenotks other bhan the PSPK. the Bank
Uearty Wenlifiss the source and the meties upplisa

JI Sentaruktany Pegat
PT Band OMA Nizga Ttak

Material Topics ...

La Pasta 2antan LEitah TIMAY UEA TES PEN ETATI TAS M1 R2A7

Bank determines material tapis with refarence to the DMB Groug materiality framework Which & thon adjunted
to Sanks operational conteet ang strategic pmoritics. Material topics aro determined using a dsuble matenality
approach, cowering Impact matenality to assess the impacta of CIMB Niagas activities on the-anvironment and society
(inside-but) and financial materality t0 map the potential impacis of ESG Issues on Banks perforrnance and finardal.
Conditioi (outside-n). This financial materiality analysis Is conducted throdgh discuceldns and roviaws together with
Bepert tparS from atademia. Eachi topic is dssessed using a scale of HS. Witit category 1 (not significant) to category
4 (mest dgnificant). 10 determine its priority level ane relevancs 10 Bank and skeholdors Bas on the double
materlality concept, the Bank has Identihed that 4 out af the 3 maternal topic: carry potential significant finangal
Impacs The topes are Suntamable and Responsible Fmance. Cyberseaurity and Data Privaoy Digitalkatan and
Innovation. and Wetfare. Meatth, and Safety

Yustainad lt!
Material Topic saderoon denda tita

&

Nik Monagement and Mutiners

Cybersecurity and Data Privacy Resilience Ciimate Change
5 6 f1 KS
n N
Muman Uights and tabour
Standards Ecanamic Inclusion and literacy Governance and Etnicr
P3
8 8 9 Sas

Inclusian & Diversity Customer Experience bigitalisatlon and innovailon

1D “LL 3 3,

Talent Acguisition. Develapmant
Nature and Blodiversity and Ketention Weltare. Healih and Safety

RIS Serstamubaay Famport
PT hara GMN Mizga Ttat

47

1 Sustainable and Responsible Finance

Impact Materilaity: ce... Financial Materiolity: eee2

Grancing dctiitis Itisive utsrashy reka Uebtnrs receling Aaandng krom
Bank may have nee reatari TA deforestatian. land Warerk MANAN Mattank land
6 meal besanahility bales As 4 penponekis hahk Back marka with dattars ta
Pay pe eren NAK pa IA ASAP et
inang allppart & ist transitioh a ibvicarban economy
Apa ara pp tapa Ag Aap Mgrenpan aauta
Sange aro an eta reguler and Du anna

2eta (Greet,
, biteprane and Tmaksatrzam No Deferestatan, No Pesat and Nic Erpkatation (NONE anpexta

abal In peri menata Ban . Compliwis Lorparan Aan and aga Doeloe setel
YEL nun Orang oamating reach PISA bihan 1 baba
ID Sila or BC56 was chahasiled to wornan Bifitora

r Upstatng the Sector Giaidetress toe Paten OX Ce am Ol & Gas
Interrabon pf Hjman Pighteasperte ang Sar NDPE
tarmitment ato sO0 and

» Aimangg of Setamabip Financa Famewet

48 2005 Sentamaksihy Paporit
PT Band OMA Niaga Tik

2 Cybersecurity and Data Privacy

Impact Materiality: see

Financiol Moteridilty” #00

1

The barving setan hugnty vuineania to Ovberattaka anji tineate weh can cause aset far
Cistone3 ane Bank M response Bank tontinies td endsnce und stronatheei Is operaboral
swetnma, Inthndiosy tan #fncz Barya financiat and aporatona Gerformanes, Induning re
Perutahon

Cikar Pesilwnca und Security Policy

Personal Data Protection Policy

Information Secuciry Standard

rasinanee Metmora Security Deva

Standard

Anglizaton Secunty Perurerene (ASA)

Saad

SOP for Bank (iata Protection by Third
isa

SAP far fecares » Proeesiing Amtes (RObaj
ang Cats Pratersigo Ingast Assessrnarg (PPM)
SOP ca Data Loss Prevention (DLP)
Marsapemarit

30P on Cyber Incident irsponse and Hecoeery

Hteehgrenad Bani oyteufity cagability as tesilienea hentai
INcidera manaperseng olirforin and ts empiemencakin  meomated
ay host. gr ad pelak melerai apem Keagenan
Faks andre affeciieiy and aneire Setal bareng terkices remi secure
ad trust or antenna

1 Freured ta fulan of data subjet maba adluding coneen wirbeirawat ang
Pegutiis For date copa In setordance with UU POP regllrenente by mesnding
banding char agro pil astad hanmeli gened by Bani.

“Pedas mobitarihg and reporting of ecutity sad prhesoy dika si

ne
2 Panipdk rovew af tha mEhectrveness at inforrnatan sewurity paloes

A15 Sestamubasay Rapert
(PT hard GAN Mizya Ttat

3 Risk Management and Business Resilience B

Impact Materlafity"eeee — Financiat Materiafity"

aa ba AN SA EA
Iv repulations 2nd emironmersal cordibors 'Indiding cikmat: together Wih Intersal Factors related to Penis Peda
(rantruttua ang polkia. may pose potentat hogatise jinpasta an the Bang asset Gili profitabilitv capital posean. ang

Penedly vpesatng

desingmesit af si Cilmate Rik Management Polioy
-Ttagranng Uirnata At into the risk memasemnent framsewark three the
deseingoent and tesortihg 2 AN Appetiti Ieelitators Tor alssaiablihy Geoenanta
(nata merang De ereanaaton af radit pour tg Pagar Hntensty
Pberak Wremamrhes enviah ea luk See oke
Menteri Center

| Divelopiig andi refrsng mereisand tethaologiss for dllmat-aranerio mal
LESA), and condusting (SA 10 22225 the patantial Impact af Cimata ea-anihg
Bara not hariolla peoFiAblIY and capitat ahenlany

: debet benang menuai tata
deabonratcn taterti are adievoii

» Manitoring and svaksting antri andr portfolis That may Renerata Or rana tp.

Sebpe 12 and 3 gremocet pan (OMG ermaasionia

Pen Management Dirertarat

Serategu and Ohance Drecinrase

Pass Bariling 2nd Cprimmer Beny Dir
Cornyilianos. Lorporatu Affars, and Legal Omecnrasa apechcdily One
Sasasieahility Dat

Impact Materiality se0e Financiat Materiality: #22

Net Zero tneratiamal GHG emi—song for Soge ang 2 by 2030
- Nut roro GHG etrisesors Overall (Sobpe 1 2 kind 3) Or orgaiiilibnat taat aini ermealbra INZEL by 2050:
— Setting AA desrbenuatian inter target for wverat tertona — Iollowe

» Subrressan af the Crnate Seenariu Anaiyes (ESA) masal 0 UIK ang erhengenyan at tut methpdolagy In Wisnu ah

Stutetnesit and Risk Appetite Dashboard 2 voli as #ehuneing he methodolopy ter determininy elirnuile-raak

ba Gemen Sector Fectuce contoryan physical ernietana interety in This cemas sector by 368 romi the 207 busi

£ Pali Gk Sector Beduce palin ol portfolio #nisilbrs #ihersiti/ boy 161 #forri tie 2022 Weseline thnoligf cistotrast
engesemann to ahiif prpeuciton toseerdu setainatte palm oil

&, Power Seraatlon Sector. Redbte power generatiin portlullo enlor Intersity by 3898 freon ttit 2022 beatikasi
focesangg on ovecarbon on reruswoble 2iternaltwr #nargy 20UTUR tu aeoderate customers Gecarberisatlen pln
€ Hiusite and Pesideniul Secibr Fedurs umtomers pinyuleal krmsaibrs Intenshy Int hour See tesilientkad toy ae |
trom (he 2022 baseline by Finenting the Gevelopirent retratit ang mesintenanes of mere ten,

LO and Gas Sector. feduce ertisilona interaliy of #rianting for ol ahdl pas catorers by 1535 We 2172 bat
malas "Liotdalaslida Tor green rmining projecta whose cevelopruwni wes appnoasi after 31

DAK Clirturte Rich Managerreni ang Seenaric Anatyals (CRBS) technical

mein Ihrebokte

— ——|

MIS Sertamabaay Fepert
PT Rara GMN Niaga Tak

51

dar ato Eau 1
maa Iefarto Aan rita ki raspaha pos nyala N aa
Lah pos en Dea Daan Se 2 en aa |

XI Sestmuakdky Pepamt

52 | Pama Oma Nk

5 Wuman Rights and Labor Standards £

Impoci Matericlity: ee. Financio! Moterlalily”

Hn Paman heran Rep anon tara Prancis ega arad mepataram ren and menara
Keebolder teatkawiga Asa reaparisitilv butresa, Bath M regukesi 09 tupfeiil apglicaika hain rigifits
Laws any pemuanana ard kere ta Erpatmpre ptarnesara hama seba prhcaMs and Kanaan
sor2et aperanonak attstti supply Chika anti taslihesa attatibtwhnga. (tin Int tatbes promoting tas Label
er and mean IT peng eAII vepatT teri arana menangani af harram rgpta ana rrnay SENGA
@eotitidehull kelibiliby, Mesahdfi musitakmatiliny par drvtinmoe bra bangka tharsen carerbeatioti to betngteren watlian
Crpaman for Sustarners and sncirty

L
55.

kngleirrasat Paras rijtnku asget far Lses frang ud tes

» #rolkmmeic #intamabiny And Yuntan rygtitv prone Viles, subpurted bg ru V
Conduct 500 22m 25nwara wang We Picisan Las mat menruorars wa
Pesan anggti aepertt gnnetarseei
Seowoe muenowing a0d pr wwooco rana Inrough an

tutependset Burdkpusty managed Viturlletkawang Syakerti (VVOS) t
Condiucr human "gi awan rajung Induding Purasp Tang "
fee seru pereamni '
&Angilwonent Bar Tinis af Pine sang Cas GP aduk Poht to mngar :
Jera LAN Yr MUA PEP MELALILTA IN Bare prana

Huan Petasan rara
Uadhptislitr Creporate Aang mei Lagah Dwnriienti

pesany Yara
nee or lt ar fb
kaget nana

Coryltrrevasan buy-Direrturay

54

& Financial Literacy and Inciusion Aa:

Impact Materlality: sc... Financiat Materlality: e220

Hip Unslinmdwkty ca Feruiragal Int ea kenali sasarriatala cd srt can liye? senar row
Pinang getar atahilitv, poserty Uikedation initthes- and paduan sconpenkk it y in
#elilitian te Wnprtosnie Mirutracial Aru lusskenra bt bas alot veresaary te tr engihen Grusletal literasy.
Limiberh understanding ol Mhehcial pebduktesan Indresas Near produtt mak

Corporate todsl
Responsibility Polity

- Corporate Soil
Responsibility Protedurs

Cemdopmen Uni

Pre inai pitssitetlests Ntar Weriduss purunriatrirrasa piortsctilidbty Plane ls
Saat an array Pk eea

| Purkedlt revbem of Knianelat sihocatla ari lturaey rrislerkata
Impact studies using the Secisl Petunvon investment (SROI)
treethad Hr Verias prograiruture implsrnentesi by Ih Carenunity

— The AMES Proyrarnirid wes atterdud hy 5956 sex orlery szhoal silutenta SMP-SMA
Ta
k23)

"Through AMDE ang TOR 125 paner studiemt savings a0cojnte were opened

— Tie Te—her Franda Uteracy Webinar was duliyeredi to S6 tembera from shodls
perticipaling In AMS and TPB

- Ainanasl Literacy training dn enttrepreneuraip and buslitsa was peouleladd lo 244
Worreri MEME ap ang persita with Usebilitas in Eestarn Indonesi and 10 A9
MSMES in carununty metmetirka

"83 OMB Niaga mbhotirainp redpienta partiipatei In the Be Sinart programene

- Sean nelaa lo tu aed
Soal

205 Sentamutslay Pepamt
PT Bard OMA Niaga Tt

7 Governance and Ethics a

Impact Materlolity: seee Financial Materlality: 6222

Tiooit Bpatnanean 9 ane af One hinga tan duzinesa caritinuty. Meoagir and gevennahea. ndahoodhips ttm
Tenar and danang KUA Waeehekan ana MreSana MEA, eppana MAA
Ietal cmueinities ari tabirer urilten) iitaitesi by Hamiti mpbeaooie cat ba mioragad fihuugh cisar nghb-and
ittgabang angned been Sania aaon and NsaKn whike Tandang LSG Maa,

Rettebartbitev and Corriapasonn Bralty Sexs We Ieerrenahiliny Levi and tie Integpazed and Kumar
Pem Drtbeny Manager Sea Pitey Yeah Urut

AettPrama Poliey 'Updzre charyertang Inyernak pobkisst0 reeiass atas Wih

V4 Natkebssneang Pes apipocakar regilatcrse grad Gamal « nerua toner SE
Cesar Aratarsah Policy “gerai

Lose and Seretes Prosumer Pay and SIP and Wergdar Code ad « Agily xurprooe jenvehita £ WI Um patfu Soptiratd reguilarnt,

Eroses And prnat ta Yewelog BovemaA PRE ES anyer RUN Kan
Croitter tegpai #LLPArnwoe Bata Serparermenes, panrtiraukarny tartel ce AKI Cort ba Hwa Wdiwkan
Fals Coininlescatibe and Fessoonetip Manageiwent Poling dist Cirporat? Gaset ana Gini Sicieliped (PBEAKN aed ati
Sharehakdera Or negara. “eatusaat nata Sewu au fi oeneynata mendng RAK
Mofilci Managrmeet Pelit Pet SUPOK ESAI GI Ine SDGs ang PSSI ea

» Mutestonny Laungenng a06 Lountar Teronam Pnanting #eboy. « Sarenyitiina roonpilinee, prhayead Comtitil Aru Foba | javuanggrmnot

perteprolihiritian Pnanong Pelley

» Human MpperHoscy
Seretanabilaty Polides 2nd Procedurea

» Sestainahie Financa Pohoins and Peocadures
Het Zarn OMO Opeasidral Wollev

» Lammernat Linde Poscy

Pee AAL BNN PERMAINAN
Prageety Merungermot tato Dereranrat

5 Megparog Hae eranjesa partrira tp Up the vena Saran
Lxste bf #EM0CS ang Bisane Parte metegyit Part

» Gannarenji se dhlgtonen far gw and cone ernyaonyesa ah
librees2 mv tree (tm Yaar Lrngpitnyrer GC PE) ang Coca wunar

“ebilulinrez pesen

a Atasan Teeorene ah Ying 3D MALAM Dus Uszeed
andi Tie Indonesia Pioolic Lobang Crntessihy fa de taat
tematngama

» Aimntaihiid Oe Tewrboitig: Ir Cirtotiatw Gen tidracn' discih ti) Por
Me rama YES

baduutian' df carpurte Auvensen Wnpbmentaecn based Dn
medatoiy parameter AS RUSA and best prarteen

AU Sesama Paporit
PPT ikan AM Ming Tak

56

8 Diversity and Inclusion

Finansia! Materiality: @200

Impact Materlality: ce.

Irrokerretins diversity dindl Wabllision gafire kpilles Is part ut Hark3 atritep) 10 bulid an MeLaNk ofgahsalian Bani provides egjusl
@pperturslies for Ai employee Io pertidests in sarieua Company artnatiss wilftout giseriminaton besed on nge. ethaiuty aigpon,
race. group aHillution social status gender skdls Or other tertuns diut rnuy be dswreninatary A poslihe mork emndronmurd 8
ogacted 10 2uppori mproved orpunisahlonat performance

- Ermpiloyes Code at Ethics and Toce of Conduct Poliky
Diseralty ind Inctusan Policy
Human Rights Polloy
Divseralty Polloy for the Compesitled ti the Boand at
Comwrussioners and Bear of Director

Pen Gnaaa SNr aa Uang
#eshbaurus and
z ai an cuka ri early

VP. LOG ane lactatien romi Io ensure DI
Prughirime rani s planned

Prrsaded ernpsowneme opportunitiez tar LI peryont mun dana 25 peserta
@rnyilgyees as part of egukt Gmphayiruet cmpurturutise Bank art DU matotssal
avarensa Uroug Miami commenkaban Shane 9y Saring melo anne.
Ce tow diwerurg And lncilabo Lrvu (plis ae enzerenced Rs Uully setisnes.
#eginmenged inyyianves that recoge and KppO SWeNny Indudng ana .
@tersty Biroug!! te Perwa Rewernyuan Lorstatuser sed Ihngueata puan
(R5 perpanjang mahores deep Detagh VOUNGSTIMO Ne Dot
parzepares) md dgptal silia dvemutn Lena me Lita Lexaeesup Colllerener
(on (3an05 parsapaneg

«Prem anta kl LAKI tri yg 1 kitevliis ape aagfh liternak Lesneng ptatharmu. Be Wr
Gasa ang Sita asing.

- netrenensetLise Fseske Iong#ti Prisoyaren ye PeNalarng PM |plOyrag h2 Talip taingenta
In daa Terb nee pruflt

- heel! Ernyilinyee Vulliteereng Limy A4 2 CS eurnt werbving UBK pereglnyess 08
Iboditatan

— apanctat erngdoyee AELy arad MLUyeSI plattarere kheungan kt SMU #rmplaen
aildu, mebacti altrenEre bus GOKKH Actaer mutiara atrae 1s ACtnety bimacheg

— Mamtamat a tabera imnetoyen TOmpes Den betaran meri and Maan
(BELIA

The Camneany nella cari Ira nptererttea Detil pemerhahy und thtougpi
aral amami LA, TG Petiaben Jang Ii mean TR Aa

225 Sestemutalay Papar
PT Bari OMA Niaga Tt

t le
mt Kobe Tah

—SE ——

» Condiki perintik vustnrper setikfacinn merana
» Penvker multipie sernice thannete Intluding kran
Ongltih Latar 2/7 Tortatt Cetitre, wutsite, Use chiat,

KOS Setarubay Paporit 57
PT Gr Kan Ra

10 Digitalization and Innovation s

Impact Materlality: seee Financial Moterlality: 205

aa AA TA ee NATA TT TT ANA,
tenrisetara medang Gambang sevees mera si fekert, cereement and seuessikis. In Ute mitti Baris Gormeilitrvanit to Obliver the
best servan atlit Siperkenca Bisik continue (co Ggkalise sel Ionchartar prodi tani eruines 1D meet avalirg Kestorner tupai,
@rengihening reputatian and compstivene In senita gelang

DD

€ Network Policy

| Develop ang peradically upcsti dgtat
mergaa teatures bu perriain retesant Io
Lahibarner cwsiis

2 Meengiten teshmotogy nfrsirutlurie
Do-sudiport banter secure anti melati
ramah

— Analya ceme bebmuwione duta to kdentity
mpporikandils for yee protuet ati seru
ineitovatioirzs

Menag aral Optak Daring Cirertorate part ukarty tt Digital
Hankingand Contact Catiirs Sub Direceorana

Pne Barwing Drearate perpeutarly te Transacign Banibng
SD erat

Operation Termnolngy Arulutizi & AI Dicoret

TT rature and Biodiversity

Impact Materjlaity: ss... Financial Materilaity: 0205

Business bcdihsttes Uepend ba nufune Biodiwrslly Jenyodutian pesis Isl risks

Ilo the camtinuhty df Getar Companies and can MOMEN dtect Bank Ihrdughi
potential ieress— In (ae eks

: Paementora Ja PAM
' Wo Delorestaban, lo Pest, No £ (nara
Banks xplaftiun

" Biluwptat
"Sector Guitlelinus.

- Apply SOP ari or ESOO muwhanlatns
 Tirouagh Sector Guidelines Bank enccurapes
Mamtorners and businsa relatanshlpa to-atiagit
#estainability besi prsctioes paarticulariy NDPE
prinegiles Ire hhe pealery sal kerior ani in forestry ant

KIS Seentamabaay Fear
PT Bari GAN Niaga Tak

59

Pia Area da Yoerar
Supervisary Ecerd Drouramne Policy

Neremattar Cai mak Dantiesmam mas maros mon SN
ineluding (heough (raining-ang capebillity cevkpgmerik Innpit Oselt anpinyer cajiabilithes Git
Inereae perobucINYy ang, In Lari Support Barik perfunmanan

» Ah SIA tb anrngan Iring hibuufii peorrviplonya Wei (K4 idul wali
an
5 Prokian of VI ewean at LIS bruneh hoabong #OreA F3 One

bang asia,
2 TAN Kang memaaian recavog (he Test La Of AT wang:

mplamnont Suman ypssurces Mewmgmnt tacse2A On Tree Corn

penopli

& Ewpemence: ctengeanog Orebiapmmnnt Mrakam expanded

renpamabiatiat job Kotatideb did Niriotiirnt mengyatad tabesit

@eweloprmerit prograrnmiss ta bulkd capatrrpes alan atm MA

Perantara pra

Enpatum Sevticoment TIuuah PragGRTMEs EMS AANG

and mentarig petiserwng piltfarena #silgrumprats &1.cus-

Ipuntry Or REAK Don TAK PI And ASN ON IN

Subsltar or acrees CMD Geoep Is mutple toontres

@. Education ntegratad peosramnaa designed to Orvelop

Indiwarhaal, #nanagerinl arut waderurap cempetunaas nd ttd
fupctionatang tedhncai compeaNkies rngulsed Fe sagport hay
blnirzs ciyecnves

| Megan ang mada ira ARJUNA or PW aya Pyar,

erabeeg employees t3 sec at ung ESL bun eegiscabon

Inrasaftzsenicatjon Thn nteerated dagtal anng area

erangan Ingat an AFLILINYA war aikat tie Lesprang Hulk Kndvlhay

Managemen? System (MSi ang anying S0 the Tuo (ES JALO

Mart efihmncremsitai Lam 21 #ne Lea Wu sekira Leabtsny

Beatinen Platiaem DO) atures.

Dewolag Waerarg tv Irsegsratung artifars intuligence (AN) wae

Mirtuat reslity (WM module

»

| ide ergn Pm dng ahdes

5 he Laseneng rilih was oiplaithentas tu prana mngi—arafartu

2 Aersaga 1 sand fiour-pe #niployes Ie JELES wear id pour WIN

1 pehoom bi colleet. sore
omibtir

lini
«The Lzsjtmsa Hlib  limplbnweritind tel rutan ond4m-enit tees: 10"

tata PKL
 pajunesa bnd UYA Ledrrilig Ceoters INN Coneril affieng IS

Aron the HCM Brandon Hasi Lacgiliwwe Amarti. rsengneung bian
Pemerng usa cF VR secmnalagy IM tamung,

Diferang mibep Its JALINJU Comterit ittrree seting over KNIUND
Mrdlilina mud PELINY #-iotk4, tot (lie LAI? glamtarera fraturamg teeda
at facitate kearning Kuch 2 Ylill-b250g Hirncterauyang Lv.
Lain Eworiti and Satfhethulis Ibiring In 2226 10G- vas
beam ora

Must OS) Merasa ran rana
mowirde anting to
#rhanee (eta #aamga, and utlatiman af #arrnanan Lesnar
TAN aKarsA Conten 2ErOs3 GAgore an 3S UEwe AU Tatotng,
Pehoes Ouidelinee 5 Pengurts 4 Seret and Wendar
Marnnesenenit. Iri HIP AMS gt acroed Ipy @vpr VGKAI Warna.

Pe mang prateaa Sralltg npineeai to Mey Liareng atahags.
reaiiar far coeries, resor anergapan, cpipikta pre-and pot
denis maludtearenana Howntodd ed e1Acatet ali reva tamil
Senay 0 NE there mna Gap ULEI Ito Tatabagi SAT
ceerdag nee ON Tang Masa emang

Semen (lt Tam land Wndemopt 2eretand by ver
LAM kerena

eng Hiasan ha aga
Sanemeapen er patamitkatirnule EPA

beamung meswazin megan an Desi Ub2 of Ar
Nang ap Tepompe engan enek
Mvoanan Lang YH tehnotang ag 8 menas

TP UP pria may TALILS coopert Kama neludny mar
Man H2 DOD mriboumei ahid YIDK meboolik mt hrikires tari 35
Sadap Beren, Me bara Deret arat sentana
Trans IN HIP LOG iri acresang Dy Mari Ina Z0 IGD

Sarnepanga
Il kutpnye ba ser—eloeimsmhadpabat helai

2003 sehanga Oa PIA LA ana

San Serasa Saran eka NKB Ya Tarang Palas
Buiktbotines and Peputatorid. Produtta and Seniices and vendur
Mrpnggenne Ir ZILES, MM watd meyesasd tay rear Lhuma KI

«3
Dang Pay MILA Mery men wara Dan LI sama
TA NNAAN ES tama |Iapang, Kena Narang de
Lesrtang Sen (DLS) Semen Ouitiling ang Wolksnaps and the
PEngnn Wes antetaeA by mata Man SEAA warnere.

Impart Materiality eeee — Financial Materfality: #c22

22
Sule and ajvobule working erutrurmeni Inadiijukte miiemak dl Welkine besih and Haul Oi pose
3 teputatoral duku for Bank £Mactiv management seppores tesihy
1 ag Safe werhpiane reduand (re likslihood Dl woriplace mede and
| pecupatipeat Alpesse— Ihat tan kower motivalam and prodeciiiy

Ernploogee Safety and Decudatikaret Henlit : Pa nan
Fish Management Poifoy « Empipves ptvsical sad mental Fesalih tb suppart proructidde

' bateugesidagukkabi mubop mesen akeralN Nbinsnslikendi

» Prowis! bacestiari to01ne and hemat Idirasce Lemefits for mati pengdoyar

» Prandr dink acdpiot. aparat Fmlter and reg kaDug and mp3 Padi acer Indonesa In suppar pewurat perihal and Moga Peng

» 'Probtdk! tupport tr dihastee menda #iergeniy condimonezed dalmas warkgkara sate, sancatan

1 Aenakamnonh pe MARrpean BEAN PIA Tenes. to mapan eerplayosa an praparitg for tu end dmna: Dane

O Lenturwe Du Mara WOAtng (AMI) proorarane leweyjing teemnbiaty to stiongtdess cullateraton and auployee capabulity desalicwtent

Pay
| No warapkaan seradengg were mpcondad Geng X2

All kenylnyees andi tasiliy metibees ane eoveted by Senttis mawrande benetits for mpatee ang Lutpatlert care. Okita Opoesi Snuj maertuty. ee
Spon 10 PAR raNda IeLKANP PNgIATANES

1 bwat prosidet the CIMO Minas tehotise Amar (IMO) 6ferrng tisliltti server for ertyiloyoes ani ti fmnily mmernibera Tarders opesase as biaya
a week mod ne mupporipd by @rwrak pracikicnt dootal mmndc2n pom ena sec ason pkagranmas and otiiret eluding penaddic
hisadita eelucamen Ytliyerea mnlise arek m pernah toy #xpersenerdi and (ompenere toeukees

Tara tuppotE pewvendisn health mestanpe kududIing nedizat checi-upa IMEL) and masi Kacnaasan pop an Iflunnga and densar

macrinaneng and uthers
| Prnett making ap Pee onngesiNe an Temag AV Ye DriN” moegiko aod 30 Taringatar module 2roaihin wa GR header menlabin ar VP

Uhomeey ati brmcni Setu MUG
(ine mdaponasntiy 2dnyrestered Ernpioyte Sentrnent barevy (KS5I EK DMB Peng (namtamei it Or gastaenora,P WEI hrigdara (OI) Wu ova Pop
Kila! Kemgpang rear ig Karna Auitaya rOlig Il dag 71-24 trparesatnei Uy stare

Bank @ednates each Initathe Itpiarrented. Ip aks 1)
deler

MIS Sentemubasny Faport
(PT ikan CITAM Maya Ttat

61

008:1 5374 113-1 120-1

Ratio of median Growth.in median Fernate
Income value to the compensation for
Lompensation af the all employeos .
highest-paid employee K
Tea .
54 Ratio.of compensatlan for the lowest-paid
employee to that emptoyee's Regionai
Growth in Minimum Wage (UMR) sos
Compensatian for N

the highest-paid

Ti 087:-1 | 098:1

096 - 1 Camparisan Comparison af the

293 af the lowest average wages
Ratio af compensatlan tompensatlon (gender pay
growth for the highest- Human Capital betweer male gap) of fernate
paid emptoyee to the Return on and female #rnployees to
growth in median Investment (HC emiployeps Ihose of male
compensatlan far all RO) Na @mployees
#mployeks 317 CE

We Together with Employees
Employment and Employee Egvality anon an

As part of (ts commitment to cunparting the achievement of Forward3O tong-tarm business cbjectivos, CIMB Niaga
understands that effoctive human resource management isa key factor. Bank believes thiat corporate sustainability
growe ro the glality bad woll-being ofits people. Theratdre: Bank continues to bul ari Inciuisive sate and respecttal
work environment by upholding eguality principles Withiout discrimination based dn ethnidty relgian Ac sex
grinder, ##oup affilintion codal status or Other discrimlnatnry factors that may violate human rights Kach employee
Je troated 252 sirategi partner In Banks sustainatility transformation |ounngy.

Sanks EPC calteral values (Enabling Talent. Passion, Integrity & Accountability. Collaboration and Customer Centriaty)
and Banks purpose. “Advancing Customer and Socirtv' seree-ama foundation im shoping work behaviuss. decsion-
making and colishorafion among CIMB Niaga empinyees- In the 2025 Empioyce Sentiment Survey (ESS) conducted:
Indepoendentty by a' third party, CIMB Niaga date again succoeded In maintaining tc Organizational Hesith Index (OHI)
In tie Top Dovile categary reflecting the Banks pesitlon amang the top 1096 of Organizatioes with the hizhest scotes.
In addition, thv employee Abserjtee Rate Ih 2025 was recorded at O 274 of total echorluled worcing days

MOS Sertainsbeiry Kmport
(PT Back CIMB Wiaga Tia

63

Key Performance Indicators setang to Sustainability and
Climate Change sonata

Meh ae saya amankan asian
(KPisj with 3 weighting af.516 of KPIS Sustainability performance Indkded In tho ansesemont covers sustainability
and ciimata chongerclated ncks ang appartunitins

Achicvement cf tins sustainabllity performane & ale

ane. af the parameters m derarmining the amount af EPICC Work £ -

bonus remuneratian awarded to each, member of the

Board of Directors

In addition, Bank promdes agual opportunjties for

all empicyoes. to develop through am objectlee davelop every. emplayes ar
and transparent performance appraisal system bo the best place for the best talerit to
Performanre-appraisal Is conducted based on KPis that work

Appiles KPI: Felatod tosustainabllity initiatves Induding
Climnato Change-rolated Indicators sudh 2s:
1 Achievement of targars under sussainabis finance

not only measure buntiness cutcomes but also considar PASSION
SUstNnabllty performance achievsmente Barik currently
in

programmes In line with the Sustainable Business. 1 s

3 5 (INTEGRITY 5 ACCOUNTABILITY
Activity Catssory (KKUB) and ailaned with the :
Green. Social, Sustsinabla Impact Products & n PK con na 2 Listo act othical 2

Sarvicss (GSSIPS) framework

2 Reduction cf greenhouse Gzs (GHG) emissione far
Scope land 2

3 Sustainability and ciimate.change-related tainino

2. Corporate Social Responsibility (CSR) Or the
Empleyss Volunteer Program, whars CSR activities
may inciyde climate change-reisted activities

Aecordingly. each employee has the same eppartunity | CUSTOMER CENTRIITY

to enhance competenoes and receive recegnition in line Our commitrnent is to pit out

with the contnbutions made icustomers first and always dothe right
(thing for our customers.

Empioymeni-Solated Po

Respecting Human Rights in Employment Aspecis comet te

Pe ibeti

——
1001 21 | Bia |
of CIMB Mlbea fernale te tita
emplnyees (epresentalives 28: Aa
3re mramed In te Soari ahinnai Maa
under the Coilecie & Cormissioners and sepuantahus sruloyes se
Labouir Agreenient (COLA) Board of Dirertors Ina membara of the
menagana tabur Lir
0 Games pelat to forvesi Erypolovess who ok muternity
Labs or berndus tatitur andi petermnity Lenyue
dor tot labor elit ke) &
fabour underage workera
Tegar Warkera, modern 28 ma
slavery and hiirman traffioking In Bri Mata
A3
Emptoye— who retumed
PBV orriplinyesa ur VK 1» warkatter rriaternity and
Its total warkfarce tesis pemunyhng,
promotars. netuing jobs ke) 6
lesel  mesnente anik
tary Intreases, Kenpiising- 202 120
muda A Wal
IA mess andi GX female employee pre 3

Diversity, Egulty and Inclusion

In Ime with Banks purpose, Advandng Customers & Socirty, Bamk not only focuses Gn prosresawe financial
pertormance growth but also remains committed to creating.a positive. open, collaborative and inciusive work
environment by respecting differences. eguity and anzuring melusivity across thp organisatlon-Bank supports th:
through various polites that help ersure effoctive operations. including the Code of Ethicsand Code of Conduct
Policy. the Divorsity and Inclusion Principles Policy and tMo Human Rights Policy. Through these polides: Bank is
COrruritted to zero tolerance for uhethical actions or behawlour Including discriminstion. cppression Intimidation and
Iharcasement based on athmlkity. retegion. aice-and Intergroup Identity (SARA), s0 that every employee can work safely
and with Mutual respect

Gank belipves that diversity af backgrounds. experiences and
persperctwes toa key asset and an important fector In driving:
Innovation and sirengihaning corporato competitiveness. As
part of its commitment to continucusly #nhance awareness
and Implementation of diversity and inclusion. Bank regulariy
Organises varlous 'forumis and Internal cmmunicators.
Induding focus group discussians (FGDs| and Uses Intemal
Communications such as Galeri News and Portrait Magazine

M5 Sertainabdiny Rmport
PT Batik CM Niaga Tik

65

Ensuring Employee Weli-belng oma coeirace2 21

Bank strives to pravide 3 sate and healthy work enviranment and suppart
workelifo Batance through various health programnnes.and fong-tenm weli-
baing development. Bank arirois ali empioyees.in tho Emptoyment Sada
Security Programi (BPJS Ketenagakerjaan) programme. which covers Work
accident Insurance. old-age security. pension security job loss sezurityand
dentn benefits Premium contributions for BPJS Ketenagakerjaan paid by
Bank are 52455 while employee contributinris are 33

Bank has an Internal policy reguiring 3 consultatian period &r notice pericd
before the imptementatian of mass termninatian af employment. This aim
to protect employee rights and ensure a far and transparant process in
accordance with the Procedure for Handiing Empioyment Termination
Dieputes

Bank also sets asidr pension funds far employbes' retirement at the age af 55 In addition before retirement. Bank
provides a pre-retirement training programs to help emiptovees pressare for the transition to retitemmesit, Induding
paychologitai pteparatipn health amd financial planning: As of the andof 2025, Bank had set aside Rp696 54 billan
far pensian and other tong-term employee benefits. managed with the mvolvement af an independent actLary to
ensure the-uamability and accurery of pension tunda

Inaddition. Bank organises the Pre-otirement Training Programme to supiport employces in preparing for rotirermenit
S6 that the post-emptoyment phase cah be undertaken productively while maintalning happiness health and
welk-boing The programme (& desisned comprehensively through a structured rpadrmap beginning with a Survey
Assesment to map participarits readiness levels Induding plamning past-etirementartimtis and patentaal business
Opportuntee The next stage 5 Awarentss and Mintiset. which alms to bulid understanding motivation and a positive
mindset in facng (etiroment, while formulating actinity Or busingss plans aligned with cach participant's protile The
training is delivered through four core modules Wisdom Lwing, Healthy Lifestyle. Financial Pianning and Loveragng
Assets By ttp end ot 2025 122 ompioyees and thcir spouses participated in thieretireonent traming pregramme.

Bank alsc contiriued to apply a hybrid working odol to sirengihen Banks inage'in attrocting and retaining top talent
by prowidiris Plmribility to work in the Office ar at horne depending an job type. thereby Impraviag worketife balance
Bank appliss best practires an reasonable working hours In accordance witt applicable taws and regulanons. narpely
4D hours per week and where overtimi Is negulned, Ir is Ilmied to 3 maximum cf18 heurs per week (in acoordance
with Governmant Resulatipn Ne 35 af 2021)

To support halistic weli-bemng. Bank also developed various employoe weli-hcing Initjatives cowenng physical mental
sobat and finandal-aspects. Programmes such as SHINE (Sports, Hobby. Interest. and Enlightenment). community
activifes and various seldevelapmenit Initiatives farm part af eHorts to create a cupportive and sustainahte work
savicameat

66 KOS Sesamakainy Pepant
UT Rank CIMB Niaga Tbk.

—
—

Piysital. Spiritvol & Mantot Wolibeing: SHINE (Sportc Hobby: Interest, and Enlightenment) 5 an
Employee Club that serves asa platform for mployoes to collaborite through varinus positive
activities The programme intludes sports activitiss such as boskotball football badminton futsaland
tennis as well as mpiritual arsivities to accomMmodate employees' rellginus npeda

Community Weliheing: Bank (mpizmentz corporate social responmibillhy (CSR) 25 Banks commitment
to buiding harmoniaus and musualty benghidial relatinnahips with the environment. communities,
society and all other stakeholders Bank has formutated CSR programmes based on four care pilar
Education, Community Health-and Weli-being, Economic Empowerment and flimate and Environment
The saisction of these pillars Jins to aligh Banks CSR programmes with tho purpose Adancing
Customers & Soticty.

Financiat Weltbeing! Flewibie options for employee benefits programmes (lifestvis benatite) and
seholarships for ampiovees children

Team Wollbeing: Empioyees are cncouragod ta bulld collabarative relationships based on EPICC
yalues through acrivifies ihat Increase engagement berweon ompioyees and the warkpiace, such-as
Office outings: pottucks and brainstorming:

Career Welibsing Provides resources, motivation and oppartunities for employess to achleve their
| goals and, managa their carcers tar the present -and future feuch as EPICC Star, Opera Inrkesation
Awards: Kejar Mimpi Employee Warrior, CIMB Niaga Has Talent and others).

Bank conducis the Interdal Customer Satisfaction Survey (ICSS) annually to evsluste collaboration levois and the
guality of cpoperatian between work units that Interact freguently. In 2025. CSS results showed a crpre af 335
reftecting an Improvement compared vath the proviovs year and Inditating progres In callabaratian gualty and
Internal cennces

Innovatians in Employee Welibeing

Throbghalt 20125 Bank continued to introdure varibus Inmovations to support hollstic omployoe well-being covoring
@hysical mental social ang financial azpecre The following Initatives are designed to ceste 3 hesiliny and inctisive
wark environment. while promoting sustained employee engagement and prodiktivity.

MB Sentanabdiry Report 67
PT Batik GMB Dilaga Tik

68

facilltios aro cxpected to help improve work cornfort and support employees' mental and physical well-being

during thoir work actvries

tnpa ester Obi) rendra Mitologi
prosramma le 3 priventive stop to protect empiloyees fram the rai bf Infectious disnases, Whili supporting
Lai dota baliepea ak Cobaan erebalieaisdim ena gone
the Cornjiahy aims to incroase emptoyer awareness of the Importante of disesse provenition and fostora
hanithy and sustainabie work anviconmeat-

To capand ptatforres for ampioyee activities and Intoresis thp
Company launched two new SHINE (Sport, Kabhy, Interest and
Enlightenmest) communities SHINE Jelajah and SHINE Billard

gabance ompioyeo 2ngazement through acfivities that-refact
Uivoree Interests

X1)S Surtamatsiny Pepart

IT Rank CIMB Ntaga Tbk

HyWork

Bank continues to Implement and canduct aneoing toviews af the HyWork way of working. namely Hybrid Working
and Happy Working as a soltaberative approach far employses working in the office or at home. to provide the best
cmployes taperience through Modble yet eHective working anrangemunts based on job type (Alex and Non-Fler)
Trias implementation ame 16 promote Wgrkplacs welinees to improve praductivty, fipebility and engagemenit, while
considaring customer service. arganktational and @mpinyes needs operangnal nsks and informatian secunty To
support the-smoath (mplerneantation of MyWork. Bank also provides HySpace-a5 3 coworking space faciliy In 2025.
tho HySpace (coworking space) area was eguippod witiy relaxatan facilities: which I-expected to improve workpiace
Cornfort and support employees' mental and physical health during work activities

In Its implementation, Hy Work Is 3upported by 6 Integroted plilors

application for workepace and merting booking anid for
monitoring employee attendarte. HySpace is currentty

avallabis across five hoad Affice areas. with an attractivo
work #rnironment design that support praductivity

Implementing a Fair Wage and Remuneration Structure

Gank has @mmunloted Its wage streciure and wage sale (SUSU) In accordance with applitabls renuirements and
(valustes $ penpdidally Without distingulshing gender Bank ale» ensures remuineratan and bencfita for all empinyces,
both permanent and ngn-permanent (temporary) employee. with companents such 25 salany allowances. leave and
Insurance. In addition, armployoes an Leave continue to receive salary In accordance with the provsions set aut In the
Leave Fadilites Policy

MB Sertamatery Brpert 69
PT Batik GMBI Niaga Tbk

70

Occupational Health and Safety (OHS)

Tenant TU TEEAT ATT A01 abtan KIT ALTA ASI AGI-E ATI: 42310)

Bank congistentty Implements occupotional henlih.and safety
Standards through poldes. operational procedures-and pariodic
training for omployees. Throughout 2025. thero were no Workplati
Decident Intidonts arif no types of work with high hedith /ickc. Gank
alsp provides supporting tacilties such as health services. lactation
roprne sports facilties disablliry friendiy tnilots and prayer facilitibe
10 Create 3 safe and comfortable workanvironment for all employee.

On, tno health aspert Bank provides various health facillties for
permansat and mam-perrnanent (temporary) ampinyses. including
medical chetk-ups: health insurance and partiipaton in the BPIS
Kesehatan programmne. For permahent emiployees Bank also
provides additianal benefits In the form of general health Insurance.
r2imbursoment for glacses and dental care services, Througti these
programmes and fatilit. Gank serks to create a work environment
that supports physical and mental well-bomg z0 ompioyess can work
in safe and comfartable conditigns.

GMB Hiaga cormtmily srengtnene the Implementaticn
of the green office concept as 3 tangible manifestatian of
Banks cammitment to improving resource efficency while
mininnising environmental Impacts As part of ms-long-temn
sustainability transitioo agenda. Bank-sets an ambitious target
to ichisve net zoro greonhouse gas (GNG) emiscisps dr net
220 Omissidris (NZE) for Scope 1 and 2 by 2030. Furthermore.
Bank i£ conunitted to achleving net zero GHD ermniedaris for
Scope 1 Zand 3 by 2050. ceflecting strong dedication to
supporting theglobai cllmate agenda and onsuring responsible
Cperations for future generations

KOS Semamatiiny Pepan
IT Ranik CIMB Niaga Tbk

Te reinfarcs this commitment, Bank has 2stablished a Net Zero GHG Operational Poley 28 a framewirk tar monitoring.
reporting and asuring GHG emissions data The polley also gowerns the application of an internal carbon pricng
(EP) mechanism and the use af carbon (estruments that cam support the achievement af Sank's NZE targets The
polloy is manazed by several wark units. including but not limited to the Sustainability Unit together with the Energy
Sustamabilty Management Unit, the Cost Management Unit and the Centrabsed Operational Accounting Un. to
2nsure conssteak accurate and 3ccountabie GHG emissions managernent-across'all of Bank's operational activities
Through this framework. management has a strong basis for strategic dacisian-making and: for refining transiton
stepd tewards a€hieving net z0ro targots

In Line vath this policy. Bank santinuss to imploment vahious energy eficency and rengwabls energy utllsatian
Initiatives sudh 3s optimiang electricity consumpbga using energy-officlent torhnolegas and sirengihaning
environmentally friendly work culture These Imtiatives not anly support GHG cmissions reducipn target but ains
#ncoursge respanghle and sustainable operational practices including

Taring otf Using sang
anne Mertua —an
A bedelperant
putaide working
boss ecu
lighns air conditions. poweranan iribdes ani

I Instsllling salat Asing erootitint
ya)

to redurs
ho Feni #ectrkny
diemut Wantag

power saurce for bulitines. from bafita lwt corn Us mrnpity

mom

Utitization of Renewable Energy in the Bank”s Operational Activities
Ten ia Ian) Tian abon

In June 2025 Bynk cepanded Its solar panel operatone by Installing solar
panots at ita Yegyakarta Sudirman 50 Branch Offico 25 part af its offorts to
ingreaso the us2 of renewabie onergy and suppart fts emisalon reduczion
-etratogy Throughout 2028 theuse of those sotarpanels successfully avoided
greenhouse gas (GNG) emissians af 569 tons of CO) egoiyalent. which 1s
Leguivalent to energy cost Svings ofarotnd Rp577 milliba.

Bank currently opeiates solar panel at the Griya Niaga Bintaro Moad Office
Tand 2 and the Yogyakarta Sldirman SO Branch Offxe The solar panete at
Griya Nasa Simtaro Head Office | are mainty uned to supply cloctridty for the data centre. supporting Banks
technology operatipns with renewable energy

MB Sertanabsey Amport
PT Batik GMBI Niaga Tbk

71

Seitar panel Instaliatian at the Griya Niaga Bintaro Head Office Vand 2 took into'accodnt spatial efficiency and
employee benafita A total af 2896 af the solar panel afes Is used 3s a roof for employee motor vehicie pirking
areas This approach not only supports the transition to renewable enargy use but aleo fosters a Sustainability
culture

By the 2025 reporting year Sank had spent more than RpID billlon on the purchase ofsalar panels 25 2 first
step tawards implementina the plan, Bank has also set aside Rp15 billionin Investment costs for the Ingtallation
Of solar paneis Iin 2025, which will be courced from the bufiding Installatian budeet. There Investment costs-
aro part af Bang's climate adaptation plan. which 1s (aline vathBank' commitment to achisve net zero GHG
erniesioes in its operatibrial activitiss bj 2030.

——

———

Analysis of the Impact of Climate-Related Risks and Opportunihes on Banks
Emission Footprint senin

Bank has Mantificd varibus impacts tki, and opportunites related to dinite change that are already heing
Teperianced and those that are crpocted to arie Ih the future, particularly relation to Scope 1 2 ang 3 greenhouse
gas (GH) emissians This identification process indtudes an evaluation af direct emissions from aperational activities
and Indirect cmussions from Banks entiro value cha. Through this analysis. Bank can map potential physkal ang
Iransition risks that could affect its operational performance and business strategy. While idontifying opportunitizs
to Imptove energy efficencyi accelsrate the use of-renewable-energy and pkoriote low-carbon practices acrose all
lines of business.

Effidency. Investment
tines andi regulatpry tompllanee cosis cam increase In energysfficent yateme and law alobat

Carbon Price & Regulatory Costs Mister carbun Increased — Operational

eperational cost related tb fuel use und elextridty

warming potenilil (low GWP) retiigeants an
coraumpban tere emisana

and lower Yonesterm ata

Energy Suppiy & Reliability Risic Disruptians to
gt rellability dus tu stres meathe Lan dika
Operatlon— reulting In higher anergy coets or power,
cutapa

Technology Transition Risk: The staf mweris tow
livetetrpent Ibenengga Ncisnoy uppratlesand renewable
Ay Prota.

Supply Chain Disruption Clerate charge (for example
Moods and odreme weuihe) can ate suppllera

Renewable Energy Procurement: The use ol green
SKTBV Sbumes Indiuding enterirg into am Electric.
Agreement

Sepatan 2 Purchase (ET) or Poker Purchase

Agreement (PPA) and purchasing renewabie ener3y
ceriiates (REC3) cam help rutture 2 compunya
carbea footprini

72

Scope 3

@iaruptlng operstkarya conintut pari prerurgrtumik coat

Stakeholder Expectatione Insta regatataa
and tustimers demand preater trinibkreny and
2ec0untebilny Tor watue chain erussons.

Higher Business Travel & Commuting Emissian Coste
Potertial cartian cust For air trnel ang trarepart
facts tin affett business trovel polides and mebilihy
“intens

- Invotvernent: Collatoritiw with sayogallara de reva
@erilssiors (rcen porchased goods and servikes-and
support cetular eooany nillales Gn TAS
Supply chain resillence
» Digitalisationc Tne use of virtus callabaratiun tools
Gan pedute busmesa tnosel and mnployee mobillty:
Inveering Scope 3 SHG smissions wiila Improing
df

“ Sustainable Transportation Solutions: Investmisat in
@lesirin weictes (EVa). green mmebillity pregrammaes
and lowcorban logistik un reduce trorapuri-
related Smope 3 emfisiors.

Bank hasale Idertified currentand antidpated Inpacts of dmate-related neks and opportunities an Bank s businpee
Model and value chain, structured based on Bankc Sope 3 emisnions categories.

"| Fotther supoller scrsetiag for dimata
- « Higher cost fot susiaineb produttr Impacts
Citepay | Purchase Mus atid  Transition to suppiers aioped WiN ESG ““ Potenusl New pafineruhka min Kami
See princpis supplers
"Higher reporting regwrenent:
" Implementation of maste-to-energy
» Waste reducbisn tirovoh Insreased Iniuativs

Category & Waste Seneratedin recysilng. " Higher costs for non-compilance with
Operatiora “ Collaboration with los-carbon wasta Waste repulatiuna
manager " Regulatory Incentives for sero-msstia
ptosremime
« Transiton tovirtus! mestinos
pe £ Ai & Pedutad traseri bucat
Category & Etalvss Travel Exploration sf low-emission travel si far Ki
pertnerships Kart al Lowcarbah Ialut Hesibat:
Tategary ? Employes “ Exploring incentives for pubhc " Investing in bicycle parang vatrastructure
Commuting transportaton or electric vericles Irntfne went
———
? Energy afficisncy initiativesin leasad.)o- Support the kratelitkan to net mera
Category  Upstresm Ledaed apaces #rmissiun bulidings
Asset “ Nagotiations for orean-—tariifiaa » Potentet rent premmurne for hugin-
bulidings performing builstinys
£ Grean financing for low-ermissian
Cfanern|Dagmireeri Lapan buijdings » Eptlmbstjon ot the number ol lsased
? Epergy afficiancy imptovements on 2th

Jadsed assets such as ATME/ CDMs-

| sa proxy ICP price of Rp23DOD0 per tone ofiCO) #glwalont

pr unpapasbak agnes Kerana
| sadfivites thereby encouraging decisibn-making that considers environmental impacts Bank appiies:

M5 Sentanabdiny Rmport
PT Batik GMBI Niaga Tbk

73

74

Carbon Instruments s3

As part ofitsefforts to reduce GMO ernissions Bank Uses credible and verifed
carbon Instruments. Thraughour 2025, the use af carban Instruments was
limited to the parent entity and did not yet Include subsidiarlee In 2025.
Bank purchesed remewabis energy certifitates (RECE) of 14793 MWh ar
12870 tonnes of C52 egulvalent valued at Rp575 million, using the (CP budget. Bank ensures that the renewable
cnisrgy certificates purchased comply with RETOD guidance an purchasing clectricity sourced from rencwable energy

As ot 2025. Barik holds 15000 tarbon units obtained through IDXCarboni In 2025. Bank also participated' in varicue
global events incliding the Inauguraton of Indonesia's first Internatidnal trading ot carbon units and Indonesia's
carbon trading at COP 3D in Brazil

Bank Carbon Unit Ownership

Iecmnatagptibani Chior
el kli Mi team “
Prokct Unite So will riduem poresilser ttiroughi— Einbrjiy Tia
ad raga, TE NAN
In Om Geotiwemut deveikomeat
arPpenes Indung Antang
meesuktihh and aperadita “
Ofosw power getaran tra
tornpasa Fei horrii Lukame

Kepang Desmsan Geun

#eernety to me Mursi Lilatesi 4 ea

and Berpnrato Cuuhrgad saran kadas

eleerpeeepon did Internatiorat

—————

Mewtigsrned — Iectnongetssnd caban Pratu tidunesa 2Uvatap Swara. mosaggea2om H000 unt
Kala um emmientangTa Puma Opok KI » MEEADSS
(LNG) Poiner milk redutr mrsasan Biroaf: — Combihed Oytie 1 Mimaterof Erweoomast.
Pat, Proh (Te @mvelagmmne af mma LA Pawor Par Tas Forestry Repileran
Block A Sumihret Fx FI Pria bilah Ne 2iof 2075 sencampa
Tammmed lah ang me ae AE »e anton 2
Bom Plan Sothnnolagay cartritsatiing 10 Carbon Eronomir Yaa

edaran LL amen ne  benasan CMC Emaman

bogrid olecmnoty Mmeni bt Reduntion Certificate

aa Mara ang an DAMAI) G5 on nan
Se Manga Iermmelagr-tuksi (aman una P1 Pertalikaa P1 IPp memang 8 ISO moexaois SUN kaji
Tatan Sabali edit  mutilbhie Pemmbeindoriesla — Wnoomesda: 1 BO 20et- Ia |
at Teng Ie atik lewas 3 Miniaterof Eerconmant
Pkntintine) hiasi en DIA mania an 272 Ferasiry Bagulanan
Pram Hingga Women Dhkea Ka 23 Gap Ha 2112011 comeening
Pemany in Mactricny 10 thit Came tha mpamantatcn af
DL Wa pora at anak me Carbon Tote La
Pencesung mmdthiih tiae Sae Aarjaan Serat 1 neonaran GHO

tesrerne fana Ist Eissens Resurtan

Carbon Units are reognicedi as intangible assers'and are planned to be utilised to suppart the achirvemient of Banks
NZE targets, particulariy to offset residual amlesiana that cannot be avoided This Will be undertaken after Bank hac
Implemunted avoldance reduction, and subsiktutlon measures for emissions gmnerated from Its activities

JO/S Sertamaksiny Repant
JT atik CIMB Niaga Tbik

Greenhouse Gas (GHG) Emissions and Energy su. oi miui

ATA REA ET REI IPA KE KETAT ix SM PER Isap Laju) Iga

Bank consistentty manages and montors GHG- eminsions as partaf its
zommitmeht to the transition towards 3 low-carbon aconomy, Bank
has sera net 20ro emilstiuns targetfor Scope Tand 2 by 2030 arid net
zero GMG emiscidns overall (Scope 1 Z and 3) tiy 20SD- This serves 2s
2 strategic foundation far operational planning and decision-making
related to energy efficiency, renewable erergy Use and CNG erjiscions
Managemei,

To support the achievement of these targers. Bank conducrs penadic
measurement-and monitoring ot GHG emnesions across Scope 1 Zand
Sinline with:the Greenhouse Gas (GHG) Protocol.

GHG Emissians Operational

Bank & committed ta Improving th8 guality of energy use reporting as part of efforts to support the achievement af
the Companys sustainabll1y targete To deliver this commitment. Rank collaborates with third parties to obtaln fuel
toneamption data digitally through the Implementation ot 3 mon-ash fuel purchasing mechanem In addition Bank
collaborntes with third parties through an electricity usage monitoring application 10 obrain etectricity consumptiOn

data marg easily, accurately and Ina more-structured manner. The -caloulation af tha Banks Scope Land Scope 2-

GHG ermissions zovers-all OMB Niaga operational offices in Indonesia using the operational controt approach This
approach was salectod as It refiects th assets and activities over WhitM the Rank has the authority to Implerbent
docarbtnization polities and strategic To-enhante trarsparengy and support users of our distiosures the Bank
also provides additicnal GHG @missidris Information based on thie financial controt boundary. covering entitiss whose
financial and operational paliciks can be directed by the Bank This additidnal diericsurg allens with the Banks finanuial
reporting boundary and with evelving sustainabillty disclosare practices-

2. Scope 7 ENG emizslons arise from the use of diesel and petrot tar transportatian activities and generator oporations,
os weltasrefrigerant refills for cooling systems at Banks operational offices-In 2025. Bankupdated fusi conversion
emission factors-using a combination of-methods inciuting sources from the Ministry of Energy and Mineral
Retources (2023) the IPCC Global Warming Poteritial (GWP) Assessrment Report Gthrarid the IRCC Guldolines for
National Greerhouse Gas Inventories (2006). The conversion factor values for mobile diesel sources are 272 x10-8
and for petrol are 234 x 10-4, While for stationary dlesel sourtes they are 289 X10-4 and for petrol are 230 x 10-4
In addition, eefrigerant conversion factors were updated based on the (PCC Glahal Warming Potental (GWP) shah
Assenmeni Repart

The-emissions factor update did not hawa matoriat impact :as thp difforences were below the 535 materiality
threshotd: Therefore. the-updated cmissions factors began to be applicd to 2025 data, wiilleemissions data for
prior years were not restated using the latest foctbts

5 Scope 2 GHG emissions arise from purchased electricity frorn third parties Scope 2 GHG-2missions calculations
fartor vse5 medited method from the Ministry ot Energy and Mineral Resaurces (2019). There were no changes
to the prmissians factors applad In the 2025 reporting period. Accordingly, the methodotogy for messuring GG
@missions remajned consstent with the prior reporting penied

MB Serzamabdey Report
PT Batik GMBI Niaga Tbk

75

Indirect GHG Emisslons

Scope 3 SHG emkesibns are indirect emissora arsing from adiivititsin Banks value chaln. In 2025 Bank updated
amJeslans factors in armrdance with the iatest reference sources Tie emussians factor update dld not havea material
Impact Dn ermissions calcutatidns and there were no changes to the emiesions measurement methodology Thersfore.
amisslans data far prior years were nat restated unlecs stated otherwiso. Scope 3 GG eriissians catsgores relevant
to Bank Inctucis

from GNG Conyersion Factors for Campany Reparting 2025 (UK Department for Endray Seculity and Met Zero.
2025)

"| Category 3: Fliel anid cnergisrelated activitips not Indiododi in Scopb Yo Scope Zcakrulated from upstream activitic
Of fusk consumption purchased fot tranepartation and generator in Scope Temistione The kmissian fertors used
are sourced from SIG Corversian Factots for Company Reporting 2025 fuK Department for Energy Security.and
Net Zara, 2025).

» Category 5: Waste generated in eperabonsis calcutatod based an waste at officos where waste Ii managed bythird:

parties using amnission factors from Emission Factots for Greenhouse Gis Invontories (Ervironrnental Protection
Agency, 2025)
» Category 6: Businasa travel ts calculated from business trips managed by third parties using emission factors:
trom Srnission Facters for Greenhouse Gas Inventories (Environmental Protection Agency. 2025) (BAT) Bank also
updated the methadalagy for mensuring GHG-emissions from air travet by ngecasing calcutatian-predision through.
separating flight categarjes mto short: medium: and tang-haul travel. Due to this methodalogical difference, Bank
restared data tor priar years Bank ala updated the methodotogy for messuring GHG ernissana fram air travel dy
increasing calculatian pracisan through separating Meht categories Into shart-, modiurn- and (ong-haul travel. Due
to this mothodolagicai difference. Barik restatad Bata for pritr year—

» Category 7: Employee commuting (5 caiculated from employee travel betwem hame and affoe based on an
amplayee survey Lang emiesjen factors from GHG Lonversion Fectora far Company Reporting 2025 (UK Department
for Energy Security and Net Zero 2025)

«Category 8: Upstream Ieazod 3csots are calkutated based on elecericity coneumptlan at the Bumi CIMB Ninga Gunung
Geulis learning centre and estimated clnctricity cnsumptio-at dffices where electricity cosrs are included In rent:
4 Category 3: Downlitraam (pasad arts are criculated based on Banks ATA and CRAL or MDM machines torated
Dutsade afices.

» Category IS: Investment — Financing Portfolio Is caleulated using an atrribiitian metnad alisnod with tho Global GHG
Atcoulhting and Repbirting Standard Far the Financial Intiustry developed by the Partnership tor Carbon Acrounting
with th6 UN Enviroriment Programme Fiharice Initiative (UNEP FI) Guidelnes for Ciirriate Target Setting far Banks.
The calculatanis cover 3sset classes financed by Bank. including band Investment busihass financing commerdal
Auto Finance

Thb GHG omissleris mensurerribht procesa Ie carriad Out based on 'the collection of emicsibas data and finandal
data from debtors obtaihes Ithroueh publicly availabib customer tepoirta and Internal and external databaces
Lirnitationg Ih data awallability resulkin a one yosr roportihg lag for Bank Where rogillred data Ic not yet available.
Bank uses tie rnost-recentiy reported amiissiona data'or financial data to estimate emissions from financing and
investment activibes, In addition, in 2025 Bank calculated emissions for gross exposure (the financing portfolic
or funded carrying ameunt-af RpW4O:5 trillinal or around. 6215 of the total finanong persoliah and this included
partfabas from undrawn toan Tonwnitmenta. Farthar mtarmation on GHG amussions from tba financing portfatip.
presented by Industry classificotion and asset class, Is provided In tho Appendhe to Pitlar | Sustainable Actiona

76

KOS Surtamatainy Pepani
UT atik CIMB Niaga Tbk

GHG Emissions Inventory Expansion sn ana sn
Aspart of the transtion to meet PSPX Zreguir menta Bank dasclo—d Kop Tang 2 GHG emissiara cowering the parent
antity and owned subadiaries namety PT CIMB Nisga Sekuritas and PT ONB Niaga Auto Finance for the first time
Threughoat 3025, Bank had no other investees such as pesaciates, joint ventures and unconsolidated subsidiaries
therafore ne GNG emissions calculations were carrjed out for those groups The assumptions and methadotegy far
ralcuiating GHG enussiong for subsidiaries are aligned witti the methods used by OMB Niaga and the GHG Protocol
and zover ali operational affices owned Dy the suhsidiaries
As Ot the ond of the reporting period, Bank had not calculated
Scope 3-SHG ernissions for sutisidiariss 2xcept for eimissions
from investmentand financing activities.

In 2025 GHG emissions cgntributions from these subsidiarits
accownted for less than S6 Of total operational GNG
Crussions af PT Bank EIMB Niaga Tbk. To malntam yearor-
year comparability: emissions from-subsidiaries are disciosed
separately. While total Scope 1 arid Scops 2 GHG emissions at
PT Bank CIMB Niaga Tok are presonted or 3 cdnsoldated basis.
Induding erniesians from subsidiarles

T .

Target Scope & 2 GHG smisslony (absolute) saat ani pe 2 maan

Target reduction compared to 2019

Aan Ore ape At 5 SE ana za -
Aciiirvement induding cirnats
Ahiswihe  Ahisvethe — Ariicvethe
thanes millatton sifartsthroueh naga @etarget Ia Png

Renewable Energy Certiftut—

The.2180 net 2x0 GHG mission terget cover foun relevant greenhotse gases carbon

Kan Type Wetan metana dianlde (CC). resthuri (CA tadfogen dicaide (NG) and Hytrollubrvcarbans Ata)

——m—
Targat Type Nat GHG smnistibra targatl Harih does not have d goa GHS emisalora target
——
A forward-doking Usa ptujectlon, taking Into decount poteritis future changes
Basis for Target Setilag based un technotogicat progress pevernmenit pubev thanges or new enengy seheres

MB Sentamabdiny Rmport
PT Batik GMB Niaga Thi

Bank CIMB tonnes CO,e tonnes Ci,e toner N,0e

Amount and Intensity of GHG Emisslons Bank CIMB Niaga -o.-—c

TAS man ISO
Ma Oeariilksn |
t KAT Errewaipya - Scope 3
1 Tarepirtetan-Snlar 129 18 12
IZ — Transportaton—Gauline Yama 1a7e jasa
12  Generalor-Oeel tunnes ol CD,e . lgi ki 8s
1 4 Denerator- Sasoline ng kian) k24
1S Refrigeunt 37 En
F3 GMT Erewatora - Bonpe £
2 skectridry— PLN (Location Desed) tonnes ol CD/e 3131 32239 3h707.
3 Cimatz Uhange Mingsnen Efturts
ah Reremitile Eneray Cetifkote (REC) tau) Gan) (sasis
32 Solar Fanei" Liuessaabsa: (563) (353)
4 Total Bh Tinkseies
rs Sceps | Zn 2208 1
Stapa 2 tonnes ol CD.e 31316 A5 28223
Sceps 1 ScrpeZ 24029 36537 IeaBE
F3 The Aeneusit ud ea melkts Ulitraate
St Siopu 212 2206 ta
S2 Sxope2-REC (Market Based) tenmes fe ka 2451 72723
S2 (Sape 14 Seope 2) - BEC 153 25720 35014
ka Opreratang Wes
St Operating Incorne ga bitinsey 18438 83 le7as
GEA Eren Intanaty
1 Stope1-2 tonmes of CO./ 175 (3 134
72 (Sape Scope Z|-REC Api toll 129 Tai 150

78 WS Semanatilny Pepari
IT Rank CIMB Ntaga Tbk

kl Tea
L (Gril Emas ular - Seayte 3

u Category 1 Purchase of Goggs ati Sennces F5) kj Li
w Cetepory 3 Fuel ol enprpy relate activities 4 7
Lo motinetider in Scope lok Stope2 5 asa 4
12 Celegory & Waste from Operilinral Activiiles 3 15 s
5 Se .
1. Tatepatv & Business Travei 1236 1233 1368
tone of CD
IS Telenny 7 Emploeee Travel : 320 ras -
1G: Teleptity BUpsirsam lebsed searis 525 5 453
1 Tetogory 13 Downetrearn lens seat 294 56564 -
Y merit - Fi
Ia. Stepoty 15 Investment - Financing 1 Hanasag Saaahsn
Purtlobu"
Notes
Nuintutew veritian IN Brstkota 1) Inditatw deervase
Ie 2tectritipg gemurates (remi star

Limitag data awallahinry ras result H Dy Hink Scope 3 #mkixory Keitutatone for JOIN Wil cover secar
talndasane fur arid 2022 mt di lireted 40 Pecincng alud investment an the ok abid gak sekitar

Financed Emissions by Economic Sector

Emissions from Financing or Investment Portfolios Total In-Scope Exposure by Economic Sector
by Economic Sector (thousands 1CO.e) Rp ulikon

TI
Sapna Kempul Tape? Sagat SOPO
200 1x ET 20 22
@ Goosumer @ socpiisarukes @ agocuture
$ Howimg @ Transportation warchousing. @ Trading, romauranta,
@ mecireiy get and water ang communication hotels andadminetatan
& Conetruction @ Manufactunng

@ miring
Ori mayan

MB Sertanabsey Amport
PT Batik GMBI Niaga Tbk

79

Finonced Emissions by Asset Closs

Emissions from Financing or Investment Portfoltos Total In-Scope Exposure by Asset Class
by Asset Class ftnousands tC0.e) (ep triltion)
Kg
1. 2? mw
-
ag
2200
| 2 | ”g
|— —
Sampel) Sapeto Tapak Sopat Spek) Sapet
20 2 za Zn 2023 1

"Te Sena Hmumoru Gikukaion to JO Games 28 poco. La ihe cloatecorain XL and R9, ihe cakculiban tertata fnanong ad mmesamer in he
Giand Gus setor

& actor 0 pendonitial O Commed @ #imancing memet
Wohicies Properties Propertine Bisnes Banda

Total GNG Emissions of Subsidiari:

2125
Wa, Description
1 Total Scope 1 Emissions
u Traneportatron — Solar 5 3
Trarmportatisn — Gxoline —— z 3
 Ganerutor- Dissal Pagi Salt - z 2
LA Beneratrr- Sanolins - 1
1S Relrigesant . 36 ES
..Jntal Scope 2 Emissiung
Electricity — Location Based tok ara 7 t512 1513
Etocteitity — Market Beseti rguiyalert 7 1s1z 1518
Total GHG Ernissians
BL Scope) 8 “g Es
32 Stope2 SEA, 7 1512 1518
Senpu 14 Seope 2 E 1522 1675

Consolidoted GHG Emissions ceria

La dengan

1 Total GHG Emissions Scope 2.and 3 36567 36488

Mo Seupai tan pi CO, 2218 La
Puuvuterit

12 Scope2 23535 34.223 34707

tenaga ear nNO TIRS,

80 KOS Sertamakiinyg Report
IT atik CIMB Niaga Tik

Total Operational GHG Emisslons bosed on Financial Control ss

Tesbul GRG erris sana (Scope 1» 2 Market-Desei) 25198 22384 nc
Tatat GHG ernasiar (Scope 14 2 Market Base « sar “251 3253
Scope 3)
Direct GMG 2eressiores (Stose 1) zn2 2298 1781
Inujirgat GHG ernesakam (Seupe 2 Market Basel) zaga? 3076 28223
Indirent GHG smssocs (Sopit 2. Lncotior Sasati) 32357 35233 BATU
Othwr inmirect GNG smnilssinnis (Scope 3) Category - & $
Durctasa af Goods and Serdde
Other indirect BHS emussione (Seope 3) Category tons af CO,
& Fueland snetay related axtholtles taat bnaclluses Are #usuybvaaberat 483 a98 Peti
Stape Nor Scope 3
Othwr indirect GHG enissione (Scope 3) Cateery & - £ &
Wakte trort Dperatioral Acihati—
Other indirect SMG emnissione Scope 3) Category &

seenak 1263 1235 1253
Other ingireci GHG emissione (Scope 3) Category 7.
Employee Tel 5389 73K o
Diher indirect GHG eriesjone (Scope 3) Category &:

585 62 253

Upsirege lessay assets
Scope 3 Category B GHG emissions fail into Scope Tand 2 based an operational controts
Other indirect BHG-epusslong Seope 3) Category 13 tone gt CO,
Duwrstream lezusi saat #wubvalent 1 Sara 2

Comparison of GHG Emisslons with Previous YSOr ocean an Han peni os pnnay

No

aa Lenuattean

Disicesn xx uasal (BAU) scenora

Tha siriburit ol GHG #risaitra (Scope 1 and 2) 21preseii Ih

2 tangaf CO, 2gutvalent (2spsi 18 (ai
5 » 627 as (oem
12 SHS fmeasipp Intersity kanpreseed in
& tonu of CO sdiivalent/Rb bilboti (038) (ca) am
on tes) (om Gap
2» Theampant af BHS emesjane (Scope Land 2) - RECa je sapressed In
i & ton of CO. edulvalent (5552) (32253 jason
8 (982) (1955) ra
22 S5 Omission Intersily Geopel and 2) 2 REC sdaprekaed in
— 2 tanaaf CO, 2gunalent/Fp bilion (CE (014) (231)
5. Tea US 38)
33

PT Batik GMB Niaga Tbk

81

82

Energy Based on Source, Amaount of Use, and Intensity of Energy Used

Papa an jua nan RA IN ana

1 Bareng Suppuart Activities

Mo PN elartradily 23758 ts3yo6 1ati36
-' Solar Paneis 2355 16AT. .
Za 3 Olesi Geraratar & 1377 1473 193
1. Gasoline Generator 213 2197 1803
— — — —

2 Teraportatian Support Activittes

20 Solar sn 1583 1680
22 Gas 5 tiara ag 12513
3. Total Energy Usage

51 Energy ka - TEASI" 165483 tes gan
Az “pasal Income:

AL Operating Income App tollira A35 12318 yaras
& Tnengy sape intersity

St fnergv Usagslintensity Gif tolklian 305 280 Ea

Mate
"Wuueng cewe mpiapswekkilh syanyay PELUN) Of BE

Energy Comparison with Previous Year coment

IL Theamonnt of energy used mpresedin
2G (3382) Lana 2173
bh (7 ass 1ae
“a Theintersity df the ammourit ofehergy Lee mpresed in
2 GVRp billan 03 201 an
5 (Ban) Os 20
30/S Semtanakilny Peponi

UT Matik CIMB Naga Tbk

Waste Management .-

Bank implements responsible waste management prindples with third-party partmers through the implernsitation at
the zerp 0 langiil concept and waste segregation at the Graha OMB Niaga Hoad Office the Griya Niaga Bintaro
Land 2 Head Office, the Tebet Branch Office and the Gajah Mada Bronah Office. Through this Initsstive. In 2225 Sarik
Eeneated 222 tars of waste 1gnssting of 2576 organic waste and 724 inorganic waste, With 286 of it being paper
waste and 34X residual waste. During the reporting year, Bank managed solid waste through several meacurable
methods, namety organic waste treatment Lsing composung and Black Satdier Fiy (BSF) treatment tatalling 53.235
kg and inorganic waste treatment throagth mechanical recycling. Incdtudiag shrodding, wasting. drying and crushing
proresses totalling 83:873 kg By category. total Waste that was recyciod or robcod rostried IS7IO9 kg whilo waste
managed through non-incinerotor burning that still produced energy fecovery totalipd 75.222 kz

Inorganic waste Is sorted and then sont to waste management parmers and Waste banks for reoydiing Throueh thu
Initiative. Bank has succended In reducing the amount of waste seni to tandffits by 222 tmns and has the potential to
avoid 102 tang ot CS. eguvaleat GHG amir

1s. it has

ine (fthis pregrant is expanded to cover all af Banks aperatio
the patential ta avaid more than ZE4 tensof CD, eguivatent GHG omissians. In 2025. Bank allocated Rp 333 million to

support the mplementation of the zaro waste to land! (nitatiye as partaf the Banks oparamng budget

h two methods namsely composting and Blaci

Organic waste ic rnanaged thn Liier Fly (BSF) treatrmerit Through
this BSF mmethiod organic Waste is processed into organic slun'y which Is then utilized by cultivation partner'sin the Setu
Jraa Bekasi as maggot food The cultivated mazgors are used as alternative feed for chleken and fish farmers thereby
Crenting 3 new value chain In the application of circular economy. Ts approach redui
and suppai more sntainadie wasis management SyStom. Ih addition the pragremme also dellvers positive sodal
and economic impacts. Operational waste management activiti2s involve empowering surrtunding Communities
through job creation, skills development
and opportunities for additianal income
Trio use of maggots as aiternative feed
alsn holps reduce conventidnal feed casts
for poultry and aguaculture businoseps
thersby strengthening the eemaamy for
manage and communitis Iwoled

potential methane formatian

In adgitian, Bank also coltahorates with
tturd partios that have the compatence
and 'offidal licences for managing
alectronic waste (e-waste) arid effluent
Banks operstisnal “activities dd not
Esnocatp hazardals and tocic waste (B3)
In Sgnificant guantits 0s spills that have
environmental impacts

M25 Sertamabdiky Rmport

PT Batik GMBI Niaga Tbk

83

Paper Savings -..—

As part af digital trarsformatlon and Its comrnitment to resource
#ficieney CIMB Niaga continues to reduce paper use through the
Implemuntation of digital services. statementa digital datahases
and thp wes at digital banners at branches These affoits not only
suppart operational effideney but also, contrmute ta reducing
enussiong and theuse of naturaf resources.

In2025. Bank issiied 44 million o-statoments. which Is egukaldat
toa reduction In paper Use of-around 20 tons This Insiative also
zontributed to the mvokdance of greenhduse gas emissions at 19
tong af CD, egulvalent along with a rediction In paper corisumption
and the supporting printing process

Several Initianves rodute paper ule Inciude:

Sa ball 230 Yanea

Vaturne oi Paper Used ——
Wis 8233 z0a0a 2sa00

3
Paper procurepnenit cost Rp mitlion 250 AB787 k33)
Uberatirg Intoene Fo billlon 3553 185754 1879552
Paper Use Intenanty Kap bilkon 035 153 138
—

Natze
Paper Use cilrutahione Coca) hikad orhee Jrtivibiks Ita Cexwtesid form reses to Wbkutriawn eU bear «25 hg.

84 KOS Sesmamakainy Pepart
UT Rank CIMB Niaga Tbk.

Water Management and Use so. os»

CIMB Niaga mManages water use resporsibly by priaritising efficiency and conservation
prindplos Water Used in Banks operntians Ik sourced thraleh purchasas from third parties
and Is used for afi activities such 2 Sanitation building cleaning and the operatian of

supparting fatilites

|

As partof (5 cfhicenoy eftarts, OMB Niaga has impicmented various water managoment
Initiatives. tocluding reusing water from wudu for toilet Ftushing and-plant- maintenance
around the Graha CIMB Niaga bulldiig Th bank alco @ricures that wastewater
Management by the Graha CIMB Niaps bulkding management is carrjed out In accordance
with environmental standard Although there was ng cignifiant Incrance in water usage
In 2025 GHG emnissions from Water Usage Increased compared to the previnus year due to
the updating af omission factors in secordance with the latest refprences.

JI

———— 8

Water Use
“an
Water Purthisse RSA
Operating Income p biliar SAIG ea 1735
Water Usz Interisity mitp biliar 539 z5 653

We Together with Business Partners oo.

CIMB Niaga ensures that all partnere implement respansible business practice aligned with sustainability principles
Bank prjoritisee partnerehips far the provisian af goods and services that meet cthical srandaras, humian rights
protectan and spund eaWrommental management In 2025 334 of gooes and Srvic— nekds were met by local
Pane

In the procurement process, Bank applkes Nom-Tredit Sustamability Due Dikgence (SDD Non Credit). Tins process
Intiodas assessments of-envirormental social and governance (ESG) aspects. including labour practices. human
rights protection and managementot environmental Impacts.

Through the Sustainable Procurement Procedure, ESGaspocts

are one of the criteria In tho vendar selection procese with -

welehting of 626 of the tatal asem—emttnt

To support transpareat and accguntabie procuremert :
Eovernance, Bank appliss:a Vendor Eoda af Ethics as a code 3 new vendors

of conduct that must be comptied with: by afi :partners: Woro meed Usang SDD Han Credit and all
Procurement Is coordinated by the: Strategic Procurement
and Adrnin Property Management (SPAPM) Sut-Directarate
with support from related urjts including Legal, Finance.

Operational Rak Management and other relevan work anita
to enuure all processes complv With applicable taws and US vendor
PeaJaiaan soializoton for the first trmg In 2025.

M5 Sentanabdiny Rmport
PT Batik GMBI Niaga Tbk

Sustainable
Business

Responsible Banking .....—-

As part ot impiementing responsibla banking
practices CIMB Ninga places customer
protection as a-top priority in-the devetopment
and provison af products-arid services: Trises
processes ara cafried out with feference to thd
Financial Services Aurhorty's (OJK) Standard
Guidelines for Product and Service Information
Summarits In the Fimangai Serace Sector
enabling Bank to ena ogutable access
and tha-deleny ot dear, relewant.and casily
understood Information

Aira Pang (Sena

As part of guality control ail ((00M4) products

and services undergo a postarnplembirtaton review (PIR) bofare being marketed to assesa technology secisrity
Depects and Impiomentation readinese: This process je carried Out by the releyant Work units and is govorned by the
New Product and Arpmty Policy: Eank through its Customer Protection Polkty. also encures thatall ksformmation related
Toits products and services Indudmg but nat Urmited to -Intormaton on product features. benciis cost and ras 5
Communicated acnwrately. honestiy. cieariy. and Inan accessible manner. and dae3 nat have the potential to misisad
customera

Durinig the 2025 reporting period. Bank recorded no withdrawais of-marketed prodocts and'ot services Bank was alsd
niit inyolved In any legal cases related to non-compLante with regulamars on prodiict and seivics labeling infarrnatioh
disclosure, anti marketing communication ner In any Isgal cos Or compilalhts related to fair competition.

Protecting Customer Dato Security and Privacy

(En ag man ME Pr aa

The arcelerating pace of digital transtarmation m the banking Industry encowragas Bank to conmnue mnovating M
provking Srikas tbatare fost secure and casily arcessibie At the same timor. this acceteration also (ncreaces risk
Complaxitp perticutariy in relation to oybarsecurtyano personal data protection Intespansa. Bank placos infowmnation
security and customer pifivacy as tundanyental elerments In the developineat pall digital productsard services

Arcariiagty Bank continuesto strengthen systems and @nkance controlsover customer data secihity and mondgtmbnt
Bank hasan Information Security Uhit rerponsihle tor bulidine tanaping and Awintaining Banks overall Intormatian
setutity posture, covering the Cyber Security functiba and the Data Protecrkin Office. This scope of respenelbility
Indudes threit monitoring and detection. timely preventlon and handling of security incidonta strengihening security
Awareness arress Bank and overseeing the implementation of infarmatian security palicies and control

M5 Sertamabitey Rmport
PT Bath GME Niaga Tt

87

88

Inits implementation. the Inforrnatian Security Unirencures thatall personal data proceesing aeajuitits within Sahkare
care Dut In 2cc0rdanke with personal data protection prinoptes and applliable tawa arid regutarana In kionesia
and zubmints penoda. momtaring and evaluation reporta tc the Oyroctor cf Oprcationa, Tectinplegy, Analytics and
Alas part ot srengthening.z0vwemanre. risk control and conIMUpUS MproweMeNt M Information security and data
protection

Sank considers that data protection and infermaborn security do nat depena sotciy on system strength butalso an
tie-nworanesi at behaviolir ofall Bank ompioyees Theretore. throbphoiit 2D75. Bafik cohsittofitly ctrongthened
empioyees' oybbrseturit/ and personal data protectihm Uterscy through various lkaming pirogrammes, Induding
madules an Lem ning on Tha Go“ (LOG #) and awarsnses campalgns throueh intensal communictisa channel such as
Gallery Newe with the ali of bulkdinga culture of visiance tewarda cyber reics sore all argankatioas levets Inline
usth this obigetive, Bank oteo penued an Al Risk Managament Policy 25 pimtance to onsures that artifidaf molllgmite
(AI) terhnologies are devalapod. utiliz2d. and governed respansinly The policy ourlines the Banks commjtmani to
Tenpecting data privacy. safeguardng ovbarsatunty, prevonting bias enatring transgarenoy In Akzenerated content,
and deariy defining the roies-and resporsibilities af all stakrhotdree AI povernanca

In additlan. Sanik consistontiy 2rpanded protectioh effarts for custamess through various educatbnal IntintVes oh
secure financial tranyartione Tiwough the #KonsumonCardesPekafistransaksi movement Inifisted by Barik Indonscia
together with assanatinna and fimancal services Industry partiilpants. education Is delivered through social media
focrang on taking awareness of various digital fraud mmethrotis such 35 phisning serial onginesring skimming:and
SIM card swap. Customors are also oncowrased to undarstand the importancr of safeguarding securhy codes. from
creating-to maintaining PiN& paswocds and OTP codes, 25 wetlas recognising tho methods usad by fraedatars: to
ateal such information, Bank atso emphinsises persona data pratertan by providing an underatanding of the typesiat
data ttiat must be kept confidontiat and how such data can ba misused by rrespansibte parbes, Through those cfforts
Bank net-oily bullds Follabie systems buHalco promotes secure behavlodr 2epart oa kustainable digital ecocystom

Innovation and Development of Sustainable Finance
Products/Services/Programmes

Pe, Ag PASAR INN FEE PINANG (AT (ESETN)

Through thd Green Social Sustainable Impact Products
and Services (GSSIPS) sustanahls financing framework.
CIMB Nasa (irects all product service and programe
mesatien tc alan with Banks sustainability otjectna
ang Kirnate action. The framework saree 25 abang
tor Keapordiing ta eolvns custarner nanda and tbc
aeceteraung adoptioroftecfmolopy Intne banking sector
in 2025 Bank lasupd Sustanabie Finance Framework
which cat be droeesed through Banks website link The
fiamework provides stakehiolders with informatah oh
how Bank mplements sustainable financing and btfers
melati Int how Bank manapes tidks and captures
sustamatia finance opportunities. meluding ctimate chamge-related appontunitis

MS Sermtainabilny Report
IT Rank CIMB Niaga Tbk

In 2025 through tie GSSIPS framework Bank al cmnnelisd diinate artinn-related financing af
During tie reportina period as refected an curang tnandai Imp3rts Including incrsaseg Income from thegi
pantolo of Rp2935 billlons and more stable cash fows rom sectors With Lower climate risk profiles Bank has not
conducted an analysis af the anticipoted financial Impacts from ciimate-related opportunities

AN

, SOCIAL

» Grngfar Ecaticeny « Trereportafian 6 Cenceciany

» Pesoure Eficy » Netwgrk totergonpettlon - SutakikreiFre Tedmeal 5
Eren Manufactuaing, — Dapital Tnttmolapv. Vanparai fdocatan Sena

— Peliiakan Corttdl are Eownerat ca latertet — Sukuintireed Pres #hucanlya

— Fmanciat Inelisian
- Permata: & Clean Eheras atid #otsis- piataiertaa

Energy Elemen Trarsitipn Firandng/Bueib
5 SARI aa 5

Target and Realization of Sustainable Finance Financing Facilities Based on the GSSIPS Framework
arget and renikaton of sustamabie finance financing facilites based on tho GSSIPS framework represent the

rgprand realiztan af additional fadilibes booked during the curreat year originating fronn the Corporate Banking
Commercial Banking Erherging Busirises Bahiking arid Consurnar Banking

Te

M3 Serzamabutey Hmport
PT Batik CIMB Pilaga Tbik

ente tag Aaron Kelas aaa ntt

Prograommes in 202!

Sustainability-Linked Trade Finance (SLTF)
and Green Trade Finance (GTF)
Asa tangibis form Of Its support far
taibility and the kation tewards
1 FT Konany. TM3 Ngga trorehred
Testainability-Lnked Trade  Fmanoe (SLIF)
and Green Trade Finance (STP) tar custorners
Commnitted to “green and 0 sosanabis
buisinesa practiceo while Teman Batik
pesition a5 A strategic partner Wi achisying
environmental sogal and governance (ESE)
targets

SF taolty Is Intonded for trade finance
corstomers that demonsirate A Comment
to mastalnability Through the estabilsahmeni ot
sustananility perforrnance-targets- that have
bed Motudlly agreed lipon With thie Bank
Mennwhile: GTF 4 itended for trade finance
meitorrars Operating In the preon cednorny
Serat, Or for customer Whse Imahong
tacilitis from the Bank arg utikaed to support
Eren andior #nviranmentally  friendty
morcta Throwgh these pragramrne. Bank
provides transaction incentiyes to Gustorners
Iri tPve- farrid ot campotitive fpos ad special
SLTS giud GTP Interest Gites In. tinks wan
Ban engures that sustainability Ie nat dhly
Aa option but also 2 tangible bengis for
Dustongg buana

90

KO)S Sesmtalnakiltty Report
IT anik CIMB Niaga tik

EB8 Perempuan Berkarya

As pat of Is mmm 0
tromoting sustainable financing
Bank tiunched the Perempuan
Berkarya programme In Decemiber

The progranvi

Support women g
In deoping suanablk
tnroueh this adoptio

SE

n of dian and
environmentaiky friendly
sotutlona Tncough Perempuan Berkarya G1
fosternan inctusive 2cosystem. supportthe energy transihonand
delivot tahgibls tontributions towsirds 3 Broemer future

enerev

Nican alms to

poyamme isa caltaboratisn betwoen CIME |

collaboration with United Natinns Environment Program
(UNEP) and UN Women, Pasi ig CIMB Niaga asa pigncer
bank m Indonesia m launching 3 dedicated jnitiattvr to suppart
men ntr sustainable coerzy transition In addinan
10 fmani support the programme- sisa promotes broader
jaland environmnettal Impact The strategic collaboration Ic
nable Enorgy (BASE
nan-profit organirmbon anda
partner af this United Natior

ari

Kourdinated by the Basel Agency foi
Faundation), a Sm

specia

Erviroament Programme (UNEPJ

Perempuan Berkarya compimnens the sute af “ms

cmpoworment programmes imptemented preweasiy such

as Gire Kartini and Kart
Contributon to the achiovementaf the Sustainabie Development
Gadis (SDGz) 5 (Gender Egiuality) SDG 7
latfort 3 (Cllmate Attian) and SDS

WF (Fartnerships

Ethan Banks

Loan and. strer

particutariy SDOG
Lable and Cipan Es

Financiat inciusion Through Digital Banking -x

Thtobgh strengthennd digital services, CIMB Niaga corsinijes to expahd knclusive accossible and relevant banking
access for varlbus customer segments Throbghout 2025. Zapk provides 3 range af disjtal chonnets induding OCTO
(formeriy OCTO Mobile and DETD Cleka). OTO Bir and othie chamngks, as the primary piatforms for customers to
comdirt financial transadiong practicaily and otfidenily To maintain the guslity af the Lcer mpertonce, Bank regularty
monitors performance and updates digital service features and syste ma

Irntire context of srengihening digital services through 2025. CIMB Niaga recondad “digital channci-transaction
values 'oharound SOD milloi trahsarctione whici are estimated torcdntribote to greonhouso gas (GMG) ernissions
avoidahze of appronirnately 209 thousand tannes of CO, egulvalent This achlevormenit reflects the role at digital
services not anly in emhanting customer canyenlence but also In supporting the traksition towards lower-emissiah

banking cperatiang

Total Financial Transactlons Through Digital PIatorms (millon tansacdons)

Cash Wagf Unked Sukuk (CWLS)

Cash Wagf Linked Sukuk (CWLS) form part afa sirstegit
Intative of the Ministry af Finanae af ths Repubil- at
Indonwas through the Orectorate Gameral of Dudget
Financing and Risk Management (OSPPR) Ih callaboratan
with the Shara Busmoss Unit (SBU) of CIMB Niaga 2s a
Share Financial (nsttuttan Beceiwiag Cash Want (LKS-
PWUj and: as'a Distribution Parmer (Midis). This product
Isa form of cash wagi that uses returns-troni Sharis—
based Investment management. State Sharia Securities
(SBSN) to support sorial programmies and economic
(mposermentfor the memmunity

In distribiuting thie retiriis Shaiha Businses Uhit (SBU)
worke with tie Dorpet Dhunta Fobndation zs the
appolwed nazhir to help manage and distrbute returns
from Cash Wagf Unked Sukuk (CWLS) optmaily The
primary focus af these return Is an the Education ang
Nanith soctors cuch as sehotarships tar the dhuata
provSsioin of tearning fadilitizs. dovelopmentaf education
faditise provision of-free armbulances and provisiori of
medical eguipmenit

M25 Sertamahiley keport
PT Batik GMBI Niaga Tbk

N

22

Rebranding DCTO

transtonmatinn through ths 0170 rebranding hy Integratine
OTO Mobile and DCTO £llkks Into 2 ingie mingrated digtal
ceneyatem, OKTO This Integration #nables cesiamars to

one user (D, defivoring 3 more seamiess practical and
Ctnvastont banking expotience.

Barik also cohanced GUTD features through various
Innovatiora Jecliding cardies payiments using NFC via
ORS Tap and NFC Tap & Pay for oeera trareadiinai
as well 25 the launch af RIS Croasborker Japan. In
addition several services proviously carred cut offline
are now awaltabip online through GCTD. such as digital Haji
Fepistratiori| accese-to Indirahte product detaits And ithe
Bold priitide Fonture In Tabungah Esriae Whichi enable
Bold collsetian at Pegidaian:

Tiwoygh these lanovariona Bank not saly Amproves
tremsactian convmiener. and affidoncy but iko
Strengthens ks position as a bank that adapts 10
terhnologaal devetopments-and customers nanda In the
digital era.

Ietesa servKaS tnrouah (he application and website using:

Fraud Detection System (FOS) Implementation
on BirChanpelatiMB 2025

To. enhance the security of non-retail
trorsartona Indudihg Bi-Fast Single and Bulk,
Bizthanoel implomented a Fraud. Detection
Sistem (FDSI ktegrated with thp Predator
ayatem. This solution supports transparent
Beernanee and regalatory cimmpilanceihrugh
realtime “mafitoring tramaeiin pattern
andi yss arit autornated notrricatihne tn relevant
harties when tleh-resk Indicators ang desected
Transetion dita 5 tramsmitted perlodically In
batch tarmat Wa Secure File Transtar Protocol
(SFTP) every 1-2 mmetes anabling faster, mare
arcurate and more tfectwe moritaring for
Trnud rick mitigatiba. This implomentatiai hot
anly strengthens  custamer confidence but
also reflecte the Company's cdmmitntent to
Operatinnal suctamability. Gistamer protection
and povemanca with Intterity

Financiai incivsion Through Micro, Smali, and Medium

Enterprise (MSMEI Financing -—-.-

Through various distribution schemes: OMB Niaga axpands access to financing for MSME-actors in line with their
noeds and bbsiness seal Distribution Is cafried but throughitwo main segiments namely Emerging Businees Banking
(288) and Tammnercial Banking throdgh tie micro linkage programmme Under those schemes, Bank provides financing
tor warking capital. nvestmentand supply chain neecia This approach complaments tmancing programmes inclisted
In the Sustainable Business Activity Category (KKUB)

JO) Sumtamatilny Report
JT Manik CINB Niaga Tbik

Micro Linkoge

The Unkape soneme is an ihdireet Finahting, progtamme Imolemented
by Bank #hvoliaiy callahoratian Wth Fiiama Fooporatises and Rural!
Banks (GPR) to Giparad Incdurye access to finaneing Femndng to Plasma
Cboprratias, particuarly In Tha palhn al sector, & delhresi tnroueh the
Nucieus Plasma Schrme, where Bank channeis financing. to farmers
thrnesh partnce cooperatves that collabarate with Nuctous Companies
Mearwiilla, collaboration with BAR partner facuses on end-user finanong
Iri th MSME sector 2nd individunls With Fbod Income theoug Sxecising if
| Bank has not'cet specific regional coverage targors For micro Uinkase
serncee However. Bani hias partnered Wwitin 120 Plaama Conperatikes and
PBS across Indonesia, wth most using the moecuting scheme.

cutstanding balancos of Rp290 billon, with mast-financing channelled
to Womin 'totalling Rp233: bilah 19. three dokitots The Wistributica
tefleas Bata contiibution to supportihg 3cdamic embowermant and
the athivement of the Siistainatile Develenmormt Gosils (5DG) & (Decent
Workaha Ecamumik Growth), through Sandng access to responilols and

Financiai inciusion Through Financing for Low-income
Communities so.» » isat

CIMB Naga considers finandal indlsion 25 the foundation far fair and sustainsdli growth. In line with CIMB Groups
commitment to econamir Intusipn, health and financial literacy, Bank targets adding 1 milllan new active customers
trom bevsincame communites during 2025-2025 as an offort:to (mprove the hnancal health of this segment. In
2025: 1he Bank recorded the addition of more tian 350.000 pew active customers froon the lowsintorne segment

To support this target. Bank provides acceseibla arid Indiusive products Indoding Sings Inveetment-and financing.
with fee structures and regulrurments tellored accordihgly For sawngs products OCTO Savers Payroll arid' OCTO
Sayers are available to farilitate acenlint opening and trancasiiane. Cin the Investment side. Bank affers mutual funde
with a minimum Investment starting fram Rp ILODD. For Financing, CIMB Niaga provides KPR XTRA with 3 competitive
detit burrden ratio (DAR) cchome Through those solitions Bank cepands access to relovant and sustamaile financial
services while supparting the achievement af thp Macroprudential Inctuste Finanging Ratio (RPIM)

MBS Sentamahilay keport
PT Batik GMBI Niaga Tbik

93

94

To ensure ronsistong appilcation of sustamabie finance principies, GMB Niaga routinply conducts evaluatians through
Internal audit mechanama The Internal Anda Unit carries out rovicws af sustamahhe finance Implementation yanga
risk-based approach and comprohensive internal contrats with reference to tho international (089 - Internal Control
Integrated Framework standard

From an operarlanal perspertivo Bank Integrates sustalnability aspects Into financing processes and porifalla
management. Avwsessments cover nat daly enwronmental and soddal (sks but also coneider human rights bindiversity
and dlmate chenge-relited reska and cpportunites Tn process & mpported hy several irstruments Inctuding
Sustamability Owo Diligence (SEO) Enhanced Sustamability Due Iiligence (ES5D). and the Indonesia Taxonamy for
Sustainable Finance (TKB) Furtber detata on 5290 and ESOS are presented In Fillar4 Governance and Risk Tius
approach forms part of Banks commnitmeat-to: pronating sustainahte finance practtes aad supporting 3 just
transition towards a low-carbon econorny.

Indonesian Taxonomy for Sustainable Finance (TKB! -.....

Inline with srengthoning the stamobie finance framework. Bank applizs financmg siassitication based on the
tawonorny established by the Financai Services Asshonty (CIK) in February 2225. Otoritas Jasa Keuangan (OK)
jesucd the Indonesia Taxonamy for Sustamabis Finance (TKSI) Version 2. Since the financing reportang for tho
position as of September 2025: tts Bank has reported to DIK In aecordanca witirthe criteria set out in TKBI Version
TKB) Identification afid reporting fesults
28 cf December 2025 show that 2 af
104 rustarners (3016 of. Banks total
Ron-MSME pofole and the Tap XID
MSME debtars) are in TKE: «2 sectors
(Energy. Construction and Real Estate
Transportaton and Storage and part
Ot Agriculture Ferestry and Other Land
Use (AFOLU). namotly Farestry and Gil
Palm Plantations) and are reported as
Green with an erjuwalent total porifolie
of Rp313 trillion desed on cutstanding
balances

105 Sertamabilny Papar
IT anik CIMB Niaga Tik

KKUB or Environmental and Social-Themed Financing

(Ina Ah RS AKN

Cerarntam fa » X128
Prodnte Wit Meet MLS Celtesia .
9 SetamatiftpUsiked Los Prunong (SLUT) Program 178691 ts3ar5 13345
H Sentalbihie Sibonce (SF) Prokratmni- 082204 318332 DIASAT,
& Breen Buto Frarerrg or Arum Frienly Veticlas” Wah3n anta) E
& Greet Mortgime Finabcing Rp bilfioni 1285 28136 27asE
£ Sale Damat Frmnemg va Crest Car 1322 9 G3
UC Mutnebine 5 Electric Bikes Finasisingg Me Crest Card z9) 227 un
HB Kartini loan sz 1 -
Tntat Prostartrre Arta mf NMUE
2 Total KKU Ceng ep Malem SASSEH SISA SSASI2S
G Total Math Credit KKLIB — Geesti Sukuk Innsstertente Rp biifiosi 132 3299 3229
Total Non radit KIS - Green Bend ksesitmerit" pl Milli AE 22176 sam
Siepcentagje tot KMUB Fimsticitat It Toll Credit - z5 28 25

"Eagle prnvong ay menulgan F7 SIUE Naga kuta Finance (OMA.
“The Save-mnenr Of Masnesia itnses Srpen urut png 67 Green Bonia LOLA MAL Ara Lae 13 TEPPONT Panja ta PerNd CAME CNNSER MEPASAA Ah PEN NNAN.

KKUB Financing Compasition and Ouality 22-an bean
A duarter of Banks total financing Is-altocated to drive cdinare aevon-and sustainabie developmmentinitiatives

Renevabla Energy kei - om 39573

Energy Eny G85 pas voor

Sestatizbis Minagsrnesit of Biolegicul Natural

P3 rtes andi Use una oz S3 hore

3 K3 Pollutian Prevention ant Controt 205 - ats G00s
La

M25 Sertainabilny Heport 95
PT Barh CIMEI Niaga That

5 8 Coriseruatibn al Land and Water Bibdiseralty gor
- ———
—.
s 3 Enviranmersaliy Fhesuly Teanaporlutkan 18 13 dio
U th Sestametie Wate and Watewoter Manggerent Or 01 G00s
 ————mmmam
8 ? Ciimate Chinge Adaptatian goo
——
3 & Prodi at Ona Feng ai Cepat Em otis &5e idox
—  ———
Ervionmentally Frienilly Bulumngs ttiit Meet
1 P1 Hatlorisl, PeJjonil or internatlonally Herogrisit a83 GBs ts
Simodaris an or Cenifeations
Other Ereronmentally Fendi Bidiness Aclivities
, A -
—
u Fe MEME Artlvilies 223 2389 SA9E
— ———
Total 3535 Peti: 5252 2s

"ivan HPL Dertertage 2 reidinter Dased 2 Tas Tea DOrRalih 2 Sec NIMiA Sitegatu

ble Finance Products/Programmes —anoa

Sustainal
 ,——

Sustainability-Linksd Loan and or Financing (SLL/F) and
Sustainable Finance (SF)

Tnnoueh the SELF scheme. Bank encoureses KtOMPIS 10
Integrata sustamabilky targeta Into thor business. cintegirs.
through an incentive mechangm based on the achisvement
OF #uittainabilty Indicators agrord: from the outcet. The SF
progromirid Is directed spesitkally at busindes sertars Incided In
KLS, 2nakiling financing ta dollyer meseiirahle envionwnentaland
soda Impacts During the 25 reporting perlod, Bank recorded
Imanding cebursmmen af Rp172 teililam under tie SL ehenie
whita Financing through the SF programmo reached Fp482 tnililan

96

IPS Sermtainakilny Report
IT Rank CIMB Niaga Tbk

E-bike Financing Through Credit Cards
at Green Merchants

Bank provides Haoncing far Wbikes
(etectric motoroydes and bikyties)
ucihg DAR Maca credit carde and
merchant Dy the nd of 2025, ebike
Rp2Otalhan

ProdukiFrogram yang Mendukung Kavangan berkelanjutan

Products and programs Ithat mupport sustainabli finoice are iritiatives desighoi 'to 2aharice understanding and
awareness bf sustainable finance while also gencrating pdsitive Impacts on enviroomental ahd/ar sotial aspects.

438 382.51 857 59181
Rp billibn Rp bilian Account card
Credit cord Giro Kartini One House One Digital Credit
financing through Tree Card
Green Merchant

98

One House One Tree

taunched mn Z3 the One Hnuae One Tree programme
Imites customars to Cenmbuta td EMIMNMantal
canservatjon through 3 beme Of ptanfing one tren
for eacn CIMB Niaga morgage booling- Tha initiats tc
dosigiied to INegrate environmental betitin Into hobsing
finaoring activities As afthie 3035 reporbng piioti the
prosramme supportod ttye filatiting of more than 2600
plant dorinated by harnboo (421) and cottas (2205)
vith “the tenmaindar rnpeiting other scnorically
vatimbis pian nypes

Green Merchante - Other Sustainable
Throaghi tive Groen Merghants tatiotiye. Bank
Tapamiis 2e0e3s to Sustamatis Imanang by
aing CMS Naga crodir card and EDE farilities.
parteytary for transarnang- at. merchanys
ragistered oat envioamaany  fnindiy
partner As ot Derember 2025: Ahandhe
disbursements tiwoukh the green merchants
Aetwork reached PPAS Billar  reflectine
the role af credit! carde as an Inttrutment
amal the tren towatds more

GreenBirReady '
In supporting aus transihgn Towarp3 3 lowetarbnn ecapomy. CIMB Nia Introduces ang pronotes-
cekiabaraton among stakchaideee on warus sustainable Nnance sotutione- and: programs Dry of thesp
Intatwes 15 Dreendn Ready, a rellabaratvo platform designed to suppart SME and Tommercial Banking
CH TOmEra In agoping mere soviranmanzaly friendly business pracnces

Tnrough GreendeReady, the Bank. connests. Cuntomers and pronpestie Kestomars with /a range of
sustainatklity solunon providers, Indoding servo for GHO emicsinns measurement. renewable enpray
Druf chergy giiolennyi tecmmologes capacity tiuliding, 35 Wei! 5 emarammental and Kode. careulting and
Perforante menang Era

Ta strengiten this ecnsyatam, tt Bm collaborates vath sevgral pertmera Induding Jmjakin through the
CarboniO plartorm, Massat | Mira Solar Radimce' (MMSR), PLN koontireen, IFortm Energi Nusantara, atw
Selor Indoneata Surya Indonesia Buraau Veritas Indonesia Tri Hita Konetitan (rrilvta Honsuttingi), and CiZ
Enersy Indonesia ih mpportsnties ta 304 mare stratesic psrtner In ine future tosupptirt customer needs.

us
UT atik CIMB

Barik provideda Seritaimumility- Intan aan (SU fasility af OR 17 billan to Prmnaralul Sdkces Whils
akto deloring added valle throteh thm GreensirBead) program. the Banks sunsdinahllity support
initiatiwe that strehgthenis custamgrs capabilities ui the green trandidiba. Through thils collaboration:
Primurajuli nst only obtained Finahting Linked to Stope Z GRO 2missibhs reductan targets but also
Balned acoees to GroendirReady's solutisas and stratesit partnerships Thisinitiative dernonstrates how
GreenBizReady supportaindiistry piayers Ih-acceierating decarbonization and sehandng sustainability
rendinpas Willie (einforcing the Banies comanitmeorit td cpanding green Finatiding and cuppbrting the
Hatibnal appeda towards aowecarboti 2eariomy

— —

www.

Gang hngacta of Surtamabia

Finance PON con

Seven challenges In Implementing sustainable finance
Indude rustomers Umited understanding af the. Fatis
Agreement, the Sustainahie Dievetapment Goals and tho
Indonesian Sustainabiz Finance Taxanorny (TKB), as weilas
aeonantic ari technicat constraintsin roeeting sustainability
best practices and the oxistonce Of rogulaticns that aro
not yet mandatory resulting in low combiance Levels. In
addifior ongoing shanges jn laws and regutatiane Umited avaitabllity af green prolerts and supparting data havealas
slowed Implementation progre—

In response. Bank conestentiy adopts sustainability best practices at national and gobal Levels through partioipation in
varioks tramag programmex active roles 25 sprakers and the ongoing development of sustamnabiility-basod products
and services such as Sustainobiltytinkad Loamand:or Financing, Sustamability-Linked PX and Derivatiwes and Kartini
Loan ta encdurage customer engagement In the Sustainability agenda. Further details oi training programrnes and
stakeholder engagement are presented In Pillar 5 Advocazy and Stakeholder Ersagemont.

in Sectors with Sustainability Risk or

Banks financing Ss oellvered ttiroygh Systematit a—esrments Of the potential envitammental. sotial and gevernante
(ESS) impacts of cach business activity af customers and prespectiye customers. This approach 8 supported dy
mapping sector with high sustainability nak testis tocensure financing: decisions adoguately consider nan-inandal
aspects For the corporate banking segroentand paronf the comrneccal segment Bank roguires Sustainability Due
Diligencr (SDD) 25 part of-ths initial pvalllatian process.

Bank has aleo developed Sertor Guidelines covering minimum sustainabllty perfarrance regulrements prohibited
Practices nd sports eouragad 10 Improve customkrs” ESG performance. These guldolines cover varigus
Suntemabilty-sonsitive sertora Or those rolated to Agnculture. Forestry. Othor Lang Use anal Land Uce Changes
(AEDLLLUO, far mrampie palm of, coal. oit and g3s forestny and natural. rubber. construction and Infrastructure
services Mimng and guarrving and.manufadunng

TESDD mesutis indicate thiat a customer or prospoctive customer doas not meet minimum sustainability criteria, Bank
reguires Enhanced Sustainability Dile Diligonco (ESDD) as the basis tor further decisionmaking Detailed pxplanatidns
Of these due diligence mechanisms are prestinted In Pillar 4 Governance and Risk while 3 summiary of th6 sector
Euktelinoe can be acceseed through Banks webaite

M25 Sertamahiley keport
PT Batik GMBI Niaga Tbik

KKUB Financing in Land-Based Sectors

In distributirs finandng In land-based cectara particularly thinse included In the AFOLULUC caregary, Baik setively
mnooli'ases the aroptian af micro responsible business practices ttwough the holeling af sustainabllity certifi-ations
Trs approach alas to strengthtn environmwntal and cocal fisk management while erhancing the credihilty ot
tustomers sestamalility performance. As at the 2025 reporting prnod. D. Customera in the fisheries and forestry
serctors held sustamability certificatipns. with total finanang dicbursed reaching Rp3, 99137 billion

— Best Acunulae Prartice K673
" Adulioslturs Stewardship Cenarselt
» Good Halzhery Practies
" Geud Atjurultling Pracile
Fishery
Timber Lepality Verba Syatern (SULM) | 25an
PST COC 6 SMM 3 57306
Forestry Fsecor ' za

Sustainability Commilment3 for Palm Ol Cus Omer aneuna Pa tas SERA ae

Tie pal dil sector Is one 0 Hihi main conbitic drivers in Indenesia arid the ASEAN riegibit. Mowovor. this commodity
also carriss high erivironimental and socat (LES) riske including defdreszatiosi, biodiversity loss and volatlons of
labaur tightz £or Bank. managing thess riske recponsihly Is secontial to protect canwnunities and safeguard lang-
term fmancial stabllky The ank coreiders the trade-otf between the sono opparturutiss presested by financing
The palm dil sector and the cuntaingbility- and Kirnate-retated reksa a—ocatec with It.

AS part of sustamatilty risk managoment In the-palm ol sector, Bank reguines customers to demonatrate the
application af cespontibia business practices. These reguirements inciude implernenting No-Deforestafion. No Ppat:
and No Expinitatibh (NDPE) principles appiving Free: Priori and Informed Consent (FPIC) and protocting arcas with
High Conservation Valub (HCV) and or High Carban Stock (HCS) In addition. customers are srpected to hold relevant
sustainability crifictione tuch as Indonesia Sustaimabks Palm Gil (SPO) in socrdance with Presidential Regulatian
(Perpces) Na 16 af2125 go the Indonesian Sustalnahte Palm Ol Certifcatlon System. the Boundtable on Sustainabie
Paim Ol (PSPO) and ar the International Sustainability and Carbon Certification (ISC). as esidence af compllance with
sustainability standards recagpised nationally and giobally

——

U3 34 aye

FPE «3 18

IKI andpar SAT w 19
Pa Ai Nia Pat Ho Leptamnsoa FAT Fe Par mR Ino RSA KANE ILY MA Lensevuatmn Yama IV, HS high Larpan

F
100 KIS Sermamakilty Report
UT Matik CIMB Niaga Tbk

3 Eri

FSPO' 2 333
———

Bro— 33 «1

L Gaga 5 255

HSP » Rovetiaike 22 Seitmahie Palur (IX SPO - keetarmala dstamuatke Balon Dil! MICL » anawrrntieuah Sastra
On Tie nebanai mearpretasan Of tin PSO Se pers aruat Cree GUN Wil gadai pan era Inai Tunas sita
canda for oil Lardik rrwagnlgrnarenodkt iignertoeli peni an
aa hadi eat Semen Lea
cet ciontara ti reneoettazo Cerptkaricn mk tar Eturscomar birikois Rirsenealilat Fila

Da maa Aa Ng an peang aan Japan "SPO is ie sestapabily
Ea and yektakin

Sapa
Erarapeari Liatuttis Sem retagrameat (SCC am tirer ti ter feat
Uivertve (EL) regu rest.

Id art Center "Hadad
Bie ag ana

Bi embeat Has ema IN AAN 2

Managing the Fhase-Out of Thermai Coal
Mining Financing by 2010p 22x0

Within tho-roadmap tawards Nct Zero Emissions (NZE) 7080
Bank positians the redurtiorof- iposure to th coal-sactor as
part af Ikeclimate action stratesy. A fulliphase-nut of financing
for thorrhal coal mining Is targctod far 2040. with ah Intirtan
target to reduce the financing porrfola for tiils sertar by SD86
by 2030 @mpared with the 2021 basolin" To ensure policy
Ton EEteNTy, Batik also appiles an Erelusion List, which prohibits
Knancng for crparsion and greentield projects for thermal coal
Mining. coal-fired power plants and the use Of the Mountain Top
Pernovat (MTI method:

At the Same time. Bank rerognices that the energy cyktar Iri
Indonesia and the ASEAN resion romains hishlly dependent
an fnedi fucis meaning thw #ransitian regulres a gradusl and
just approach. Acelerating (the phaso-out cf fossil energy
uras Wehout adeguate remes may ata maray se artY,
economic stability and job availahility Theretore. Bank supports
the 2owernmentagenda througa transition financing tonarda
lowcarbarreconorny althoagh Inthe sharttern this may affect
Thi: dynarmics cf akhleving- Interim derarbonisatinh targota
Challonges suri'as Ilmited access to funding prid infrastructure
reidiness energy stmrage capatity and the need to modernise
transmission syaiems al influence the pace of renewanle
(urgy Inteeratlon

and Gas Sector sewaan

| Reteenng ta. the Irogional IEA: NZE 2069
Seerumio. new dilsand gas projerte are
|ancessod "as nd) longer tegiiret beyond!
Bean SA Kena because. tisting.

| aka In
k ne with this: Band applies an Esetusion Ust.
| Mnctudang 3 prohibifion-or-finarking for new.
oi Hotels that received ' Final Uwestment

Power sertar Dinar to ensare fmancng:

M25 Sertamahiley keport
PT Batik GMBI Niaga Tbk

101

Ta maintaln service gunlity Bank provides varidus
Chanmeis for custam to submit gubstions
complairits and feedback related to! products and
Tie kec bo used by other
cakeholdars t0 submit suggNons or complaints
which aro then handled by the ralevani uns In 2125
Bank recorded ng customer complaints regarding
the environmental 1mpacts of Banks cperations or
oor-comp) with laws- and repillations Further
details on compiaint types arid resolution foveis are
presented In the 2025 Annual Report

sorvi

channel

an

In addition. Lank Ie currently condurting customer
satisfaction memurementa. mduding the Nat
Fromoter Score (INPS) for @stainabie finance
products and/or services The-NPS-score recordaes (In
2024 was 6 The survey covers various asperts.
incinding product guality-samvice channcis ane tb
@Hoctiveness of customer service. Custorrisr compisint resolution rates In 2025.
and 2023 wes sutcessiully maintalnod at 3986

Communicatton and Service
Channel: tor Customar3

Conlect Gentar
Erat « » MO or 267012577 U8G5
Wosljjimbnagarod (from mera

N 1
|
2
Preterred Ashar Wotssite:
1520 90 (CIMB Profermd 3 Wwernbmaaa CI
only) " 2
"

Burn Bartang Cartac Centre
liga or 461 218055 SIN (Itam
mo)

K1)5 Surmainakiiny Pepart
NO2 | Aiman cma Tok

|
|

maan K1

Corporate Social Responsibility (CSR) Pillar

104

mamabsity Papar
JT atik CUMI Niaga Tbk

Reolization of CSR Funds (apmitonj s3

£
ii
1
——

cz
Cr)
Eibeutior Cometilitiity Etonerrat Clirraoster el Dihars
Hesithvarsd West Eenpoverment Berorenesit
being
10.582 —D 1937 5D 8.000 1.656 5D 1087 SD
8,873 1823 — 3,179 — U,716 — 257
8,110 1,956 8,31 &— 6,169 250 €»
radiitan 26,312 23,878 21,946
0
Fundu ——a

The repidrterd Wiklnsen Purdart Hxotii Ghiur geritu Uut Pyanes ketan ant uuidiy Iteerrseci andi Ore coat tua Prog berair ale

(erovisioneg) dunia Ibe come Year,

CIMB Niaga sngages ompinyees through the Employee Volunteer Program to support Banks (58 implementation The
frogrammis aligns with the folir CSR pillars' Education Community Hesith and Weil-being Econcenit Empowtrmetnt
and Ciirnate and Environment and alis to create a positive collektive-contaibution.

During 2075 Bank reguined eh employee to partiopate In volunteer actinties In accordance with Its CSF piltars
vith aa mmamurn target af four hours per year. which wes 2ounted 25 ono of the key performanceinditators (KPE). By
the end of2025. thp Employee Volunteer Program recorded 2 total.af 75.678 hours, ar an average of 549 hours per
cmplayor. The prosranime serves not only 35 3 platform for engasing 2mpipyees In adnevine thair KP33 but also jin
tostenngawarene— and 3 senas-of renpansibilty toward their urroundinga, 2s vetil an demonstrating how the Bank
togetisar with its managemant and empioyers.
siriwes to delik a positive Impact on te
zayihanmoat anti thie sur'oundiig cammunities

As In tho prcwious year Employee Volunteer
Program attinitis Were crned out Individually
and bankwide individual activines incladod waste
procesang charity runs and walks, teaching:
Cleaning riers/echonim/hinces of woritip
dorating undible Items and bibod daratan
Msatiwtile. bankwilie activities that Involvod
all Bank employres in ine Employps Volunteer
Program included

M5 Sentaiobiiny limport
PT Batik MEI Niaga Tb

105

1 A Better Climate anD Environment (ABCDE) Chaltenge Programme
Bankconcoiragks employen partitipatiar Id hnosohold watto management
throigi the collecion af inorgahit west from zarh employot's local
neighbourhoati Sorted waste Is thon handod over to Was bank local
Collerrnts or perban mental ramanama engaked 1 eri wronmental
mibative meat emplnyes piara Of
residonce- In 2025, the programme
cokced SI tonnes. of Wesia
compnsing 422 paper, 7295 plasto
Tik lisod cooking ai! 1995 electronic
warite and Pe metal waste

106

2 Ciliwung River Clean-Up Action
Bank suppar Le
citoris by

Day 2055 at Pa

an Komunitas Cillwung
2 than 500
empinyees fram vanous Bank. wark unis

Depok Tina activity Invalved r

odetabek, wha to

acrons Jai

part In three
Iman
trd) mmentaly nendiy
approach to pisstic waste management
and the of endemic hh frv
Voluntprrs cl

and procesned

ibis: tiver cidan-up: “ero-tirick

bncks. As part of ecosystem rasta

Te 3.000 endermic fish fingering:
reibased into the Ciliwung Rivor. Votunteerz
mved aducaton on responsibie
vatidn pra Bank bullt 19 how
sanitatiah facilites to suppoft long:term
and

tainahie river cantervatian

Mi)S Sertamakilty Report
IT Rank CIMB Niaga Tbk

3. Community Forward: Real Action, Real Leaders. Real Impact
es ae part otthe

Bank hosted and argani—d voluni

ntrategiesan driving sustainable business performance The
S attondad by 5D delegates and took place atthie
ar. Tris
mmurty by Inviting 150 siudente rom

ne
Burni CIMB Niaga Learning Ci
the local
Pasirangin 04 and 50
d tiwoveha
and, under “ehich sude

Non We

the surrnundii

wat Implemente

Learn Fa atet In

partitip
various ducational activities. inctuding finanoal literary

spssiona ang 3 handeon
Tour de Bank: (TB) £
bottor understanding ot how bahking operatibr

le, parents atronded edbcational sissions

piporience to gain a

Week

Mesmwtiil

tdr. where

dd 0n stunting p
Buldarke on pi
meat for thor famili
orward. through which wearabte clothing items
In delagates were datributod to benehoar

perartic mereda mnt ikon

ang

Cc) Food Forward. which invoived

distribution of nutnbous

tr
and hadir hoces:

food packng

MS Sentainobiley kimport
PT Barak IMEI Niaga Tik

107

108

4, Mission Possible: Charity Against Stunting
Bank organised 3 charity activity as part of the 2535 Year-End
Senior Leadina Conference (SLC), Banks ammuai crrategic forum
that bnngs together senjor Isaders to review Banks performance
Ip thie current veanand formukate strategtes tor the year ahoad, Tie
charity activity Was hei at Taman Hutan Raya (TAHURA) Djuanda
Bandung. vuttsa focus an stunting orevention. This initiative
tepiresonts Banks tupport for the Governments progromwnie and
turthor strongthens the ongdlng collabbration between OMB Niaga
and ttve Unitedi Nations Childreme Fund (UNICEF) wn cotmbating

manutritiba and stunting. Furuinaksing was camed out through cllaboratwe games ang » bkkilng comept
Cngamg serubr isaders in an interadiye and memingfut way. Tne actruny aed RPRS million n donetiana from

more than IGD seniar teaders wnich wera then channgited to UNICEF Tints Initiative atco the commitment of Banks
semar leadars to delivar the purpasa af Advancing Lustorners and Society!

5 Aksi Peduli

The Initiative bt part of the activities to maik OMB Nagxe 70th
annverany and akmz to strengihen employee awareness and care
for the emironment and the 2emmunity. The Programme wotks with
donation disenbutian partners (Barang Berkah and Sedekah Barang
Bekas Berkualitas) and invites all cmployces to participata W-coklecting
donations of usablz dofhite books and worship items. The actity
was carricd olit in seven cities Jakarta Malang, Yogyakarta. Bandung
Makassar Siirabaya art Ball A portion of tha donated disthilngand books
vers subserlentty managel throush a thrifting procees bya third party
All proceees gengrated from the thrliting actiitine were then donated
tc apport OMB Maga's stunting ailewatian programmo mplemented in
collaboration with the United Nations Children's Fund (UNICEF)

MI)S Serrtainakility Report
IT anik CIMB Niaga tik

Pillar 1 Education

Scholarship Programme

CONS Niapa organi—e a Sehblarchip Proeranvie thor
focuses 01 mepanding acows 10 sualkty education for
Ingh-achiewng yoeng pengin from diveree backercunda
Ing programme. ki -dasiened to nela scholarship
metpenis Completo el education optimally tiough
zducation funding support and capadty buliding. while
also promoting egual cpportunities in atceesing higher
education Diring 2275. Bank 3warded stidlarships to 51
students from public and private Uvyersties In Indonesia
and mpened ppeortunities for Indonesian students t0
Gotam khglarshta to unneratss located anto shio
ASEAN region

In-aoditian 10 the Scholarship programmes that have
boen awarded the. Bank continues its dffors to
ctroligthei alumni Networks. Since its establishmetit In
2128, the LVNERSY Scholarship Alumal Association has
candstentiy demonstrared its conurutment to providing
2 plattorm for coltaborntian and capacity buliding anncaig
alkrmi, While #ncouraging Sustamabie santrihutinre to
soricty. Entenng S5, CYNERGY Launched a number ot
Girategic IWtistives aimed at axpandIing (bs positno Impact
and: strengtheting the commurityS rontibubon These
Initiatives inciuded
3) Digital Marketin2 Training: for Fihancial Uteracy
Ambassadors (part at thn Ayo
Menabung dan Berbagi (AMba)
Programme).
b) Mantonng Pregramme for
prospoctye scholarsivp recipiants.
&) Public Speaking Workshop and
OI) Fun Run is coflahosation with the
Kejar Mimpi Tangerang Selatan
mnt

MS Sercanabiry Amport
(PT Bath IMA Hilaga Tb:

109

Savings and Investment Programme ..

Bank mpments vanots financial llterasy ang
inglusian initiatives Indwding the Ayo Menabung-dan
Berbagi (AMOB) Progranwne. Tour de Bank (TDS) ane
Se Smart which are delivared acxoss muftipie areas In
line with DankS operational coverage These InitkttiVes
are designbd to alizn with narlanal poly direction
particutarly tho Natidosl Strategy for Finahcial Inclusion
(SNO) 25 cet out In Presidential Regulation No. IT of

2029, which targets moesang the. national finanoal
Inctesian rate to 3S In adanion, the pregrammes
support Anandal Services Authority Regulatian (POJK)
No 3 of 2023 on Enhancing Finandal titoracy and
Inctusion In the Finaridlat Services Sectorark contibute
td thb Finaricial Services AutiuritVs (SIK) agenda
through the Financial Inclusion Month (SIK) Programme
ani the One Acrournt Gue Sai 1 (KEJAR) Prosrammit

U5 19 7

|
| |
Inae Ja -

Ayo Menabung dan Berbagi LAMD8|

AMDB Programme is Banks initiatve to raise fimancial fiteracy
aWwa'enees amohig young people. Bank Implernerits various educational
brogramrmes and promotes thb utilisation of Financial products to
support cammbrites id making more informed #oondal derisora
Theep #ffarts erkamnpasa bath short and lang-term #nandial planning
cepanded 3rze— 10 savings and kwesiment products ae well as the
strengihiomng ot financial, enllence The Initintves are alened with
Banks CSP pilar in promoting Inclusive and sustainabte economic
growth. As past Of Banks comtnued commitment to collaboration
and to konping paca with trends in finanosl crtoe. Bank contnues its
collaboration with the Financial Transactida Reports and Analysis Center
(PPATK) to provide edukatiori to students on the limpartante af understanding

money taundering acivitiba

(' Mumber of ftudents earticipant Understanding!

x

5,156 5,319 4,737

251

Partiapant undersanding In
the 2025 AMEB Programme
basor-on post-test resiitte
compared with the pre-test

an 5. 1
676 80,325
Morurruliatiorn tartil 2006 Accurrstatton wrtil 2005
110 05 Semainabilty Pepari

UT Rank CIMB Niaga Tbk.

Tour de Bank (YD8)

TOB Programme is & financial literacy Initiative designed 15 bullid
ptirrary school childton's basic understanding of bandang through
3 hang-on learning appromeh. Dering DIK
Anang Inclusion Month in Septermier 2075
Gank rupported the programme by delivering
fnanciai Uterapy ang Inciusion activities ta 248
students from five primary schodis in Medan
sirmultansousiy throggh Visit to the CIMB
Naga Syariah Medan - Fing Foad Branch.

7 Mumber of Students Participant Understanding
« A

U,601 YI47 2,909

74 64 37
201
Paricipart understanding in the
2925 TUB Programme incrpased
basod an post-test results
tampared with the pre-test
Tno passing standard far this

1m oz

. aa 1g

programs san Improvement

178 26,974 at more than IOS
Accumulatian until 2008 Acumulaton unt XS

Savings for Students Savings Habit Competition

Through 1». AMD and TDE 1n2025. the financial literaoy programme introduceda new initiatye.
the Savings Habit Compotitiba The Initiative aims to cntourage
sustainod Improvements In. chlidren's financial behaviouk. The
sampetilon dnes nat focus on the cizp af savings balances but
on participants- mnelstency and the saving hatilts they build The
Zampetition targets primary and secondary sthpal students and
Selected 3D winngrs: Each winner will recelve an additional tavings
reward to encourage- them to continye. bustding their savings
balance and deveiop 3 regular saving habit for a botter futura

Provision of Educational Facilities

In 2025 Bank provided subport to strengtiieh the Edbcation pillar through the provisian at edutational support
tacilitles to B8 sihiools across Indonesia participatuig In the AMDS and TDB Programmus

M5 Sertanabilny Heport 111
PT Batik CIMB Niaga Ttik

Financial Literacy for Teachers:
Invesiment for Prosperity and Smari
Tactics for Managing Finances

Furthermore. the Bank net only focuses on detivenng hnanaai
Ikeracy programrmnes to studente but also cxtends tho benefits
10 egucatorc Atntat of 56 rceachers from 1B echoois partimipating
In th AMDB and TD8 Progtamones attended online finandal
Liternoy sessioris conducted aeross two training sessiong The
programs Is mpekted 10 Srengthan teachiers' capatity as apents of change

wa not only teach Financial litersoy hut also demonatrate and apply sound Finangal practicee ln titi daily vs

Be Smart Program

Tne So Smart Prugramine Is 3 finangaal literacy programme that alms to Improve t

umderstandi

In 2225, Bank promided financial Iiterary training to 83 GMB Niaga scholarship recipiants across two levots

L Gamo financial Uteracy, covering financiat planning fer the future and an latroduetion to the financial servees
Iretuntry, particularty financing supported by speakers from CIMB Auto Finamoe (ENAFI

£ 211 introductibn to investment and ah understanding ot moniy Iaohdering

i: younger generation
af personal financial management imestmgnt and the uc2 af digital banking services and terhnalgps

2 Advanced financial biterary

supported by spesikors from the Fihandial Transattion Reports and Arslysis Center PPATK)
—
met)
83 33 87

2 times 5
- 2 times S5
2 times

Participant Understanding

E

0 om
”

251 167

for the advanced module for the basic module

Particinuen understaniiihgs bi Uu IIS Be Suri Orogpamine kner
batasi on posttest resiiita compared witih his pes test Tihas gas
for this proeumme & an improvement cf mari thun KAS

112 MIS Sumtamakilny Report

UT Rank CIMB Niaga Tbk.

The Complete Intern

As part of BahKs commitment to supporting te devoloprmant af national young taleat Bank continues to Implement:
Tns Complete Inten #resrammie Ths proeramme & desigwd to provide students Om diverse educatioral
backgraunds with opportunines to gala first-hand work ceperange In the banking Industry, In ling with thelr talents,
Interests and arcos af mportise Partidpants are not.aniy mvalved In professional wotk actisties within the relevant
umits and direcrorates bat are aleo egutppod with a range af soft ddlls devlopment activities for eomnple through
Character bpiiding. volunteering and team Giriding

Furthermare. In 2025. Bank mepanded 5 collaboration with the Ministry of Manpower af the Republik of Indonesi
ttirough the MagangHub National Apptenticeship Programrmne. The programme alsns to cepand arcess to employment
oppbrtunjtise anti Improve wark readinese for newly sradumed students while supporting efforts to reduce the
yaung workforce competenoy gap In Indoneeka

udara from a total of

varian

Kejar Mimpi Talks
Kejar Mimpi Talks & Banks Inspiratiamal platform that
cambmes financial Iteracy with ingpirational talks to fostor
the gpinit af pursung dreams jp 3 tangiblo and sustainable
veany Ttwoweh Kejar Mimpi Talka Bank posinoned asapartner
that accompanies the commurity in planning preparing for
and realicing their dreams The programmie Ic designed to
agulp parricipants with relevant and pradtical financial
understanding rom personal financial managtment and
fotore plamning to making more informed financol deriskna

Kejar, Mimpi Talk. as features
inepiratonal speakora including public
fgures, professionals and locaf haroes
wfyo share real:bfe-stones of strugain
failure and coccees Ih pursuing thole
dreams These stories are cipectud to
fower 3 positive mihdeer, the zourage
to dream big anti the belut that evony
dream can be athrevod With ting ngnt
Preparation, In-2225. Kojar Mimpi Talks
was held In two cities- Ambon and
Yogyakarta. teaching more than 1290
young peopile

M25 Sertanabilny Heport
PT Batik GM ilaga Tb

13

114

Pillar 2: Community Health and
Well-Being ..... AB

Peduli Gizi Anak #CegahStunting

Since 20 November 2073 Bank has par tnered with tne United Nations International
Children's Imergenoy. Fund (UNICEF) in support at the Sovermments Early
Dotection and Management ot Ehildren with Malnutrition Programme to
present stonting In East Nusa Tenggara (NTT) Promince, Th programma
Gelivers a tigroficant impart Ip stronethening preventiooncany detection
and management for children at ritik Ol wasting In Kopong City through
strengthiehing the role of Early Childhood Educatian (PAUD) and
cotmmunity angasement ih 2525 activities were merled dut with tote
main focus areas

& Pramoting preventtve nuftrition behavlour (Fram to Fork)

TOD PME0) etaMdahed khod Prem — B9 PAUD held cooaing ammonikrafora mein proan Itam sthmal gandena
8 pillekfiserm far mutiitlan seiko ld Sneiad Ustell Yioditis Yes wrae titoruneye biidaru me) plitritient perselies. kis hititJakahiealita
sake hangtis food,

KIS Semamabiiny Pepan
VI Ratik CIMB Niaga Tbk

Anak 2LegahStunting with czhpi
rs sourced from produi
Thisalned hot orily te racopi

e dari

ISR activities by promiding attrat

In additan to progamme Implsmentatitn W
ANIS BW contihued. DH Kolitate fundraking
#CegahStunting tirough Swag Internal and
ermal activines. Internal activities included. for
crampic. the MR Info channel. Galeri News and
WhatsApp biasts. while meternal activities included
Nedjo Gathering, Nzobiz. Travot Fair. Wealth & XTRA
XPO Kejar Mimpi Festial and The Coolor Earth
Estibition.- Ts 2epand the reach df donatons to the
public Bank nlen pervidod a donatien channel on
the DCTO applkcatan. A total cf Ia 3oivatloas were
Dned ar, asing 2p23554 millio

In donatiors
from U9C2 danors Bank also linked Peduli Ga

serurs for Peduli Gi Anok #CegahStunting

$ supported under the Community Link s#-JadiNyata and #JadiBerkelanjutan Programme
antributioris butalso.to introdute products si

peorted by Bank

Philanihropic Activities

KAGN artvkios "which Involkd providing
Ramadan packages to people In Roed and
peans with dicibillires around Bank trance
In celectod dtise Jakarta Tangerang Dbgar,
Bekasi and Yopyakuta Bank ai red
at Ovrban Danation tb. which wara
distrihoted around GMB: Naga Oranches im
Matang. Jakarta. and Bandung In-addition, Bank
Orosided Onristmus Donation -to foundations
in Bekasi Medan and Kolbaria: NTT. Bank also
kaktled out daster resporse activities by
providing Sssistanep to Vidiims of natural
dkasters Including those aferted by Moodirg In
Cisarua, Sukabumi, Aceh and North Sumatra. In

Bank provides donatins to support Improvementa mn community hesith and wefi-being Phitantnropic actrvnes
orgarised by. Bank throughout 2025 included Ramadan

2025 Banks philanthropic activitins directly reached more than 6700 hengficianes

M3 Sentamahitey keport
PT Batik GMB Niaga Thi

115

Bank directsa range oFsotial and etonormik initiatives to streagthen the foundatlns fo Inclusive and tone-tanm growth
particularly through sirengthening MSME capacity mepanding financial Incluslon and semmunity development The
Implementation ot these programmes has delikerod tangilte benefits Inclding noreseed economic ackAty, Stronger
tanme set edliance and mprosed auelity attife for bengidatta and communities argund program lacationa

Community Link Programme

Community Link & one cf Banks programmes that Involves cstormers ar/or the
zammunity In addre—img Or Tmpoweting: Indrormental, ecanomit and semai (EES)
tesues The Community Link Pregramme & divided into thnees sjadiPeduli, ##adiNyota and
i Berkelanjutan,

BI CiMa KING:

Community Link “JadiPeduli Programme

Tba Community Link #ladiPeduli Programme ian initiathy
that ercourages the Banks ompinyees to'actively participato

Intiib Banks TSR artiyiles

Trecughiout 20125 she Camntunity

Link 2jmtPedoll Programms vas

Impiomentad axross 70 branches

and work unitea encompassing
activibes such ag financial linnracy
programines, tree pianting boach
and Uver cisamup istiativea
athosl rehdvationa 3s well as
social Gutcearh arttvitis far
Orphanages and nursing home

116

1S Sertainabiliny Report
IT anik CIMB Niaga tik

Community Link Program #JadiNyata

The Lommungy Link £JadiNyata Pragraniie amis to cncourago Innovation and active parbapation from the wader
Community In addressing erwironmental sconomic ang social issues In 2925, Bank continued to imotement-the
Community Link #ladiNyata Programme. which involved 515 applitants. Through this programime, Bank setecod
thireo best social Idpas and two sociat Ideas that rereived special recoghitibal naa

:
3BestSocialideas |

Artdias Galleryisan Innoyation thatises teak wood waste combined with high areatnity
to produce a range of educatlonak rhiidren'e- toys and duthentibartwarke with sesthetic
value Beyond creating creathe produets Artdiss Is alko cormmitted to shifting the
mindset of furniture craftamen to view wood veattz a8 a recnurce with eodfntyuc valun
Father than merely 3 produrtlon leover

Achmad Adias Wijayo

(Aridias Gallery!-

This: social idea forusas on-an upoyeling project-namety processing Inorganic waste
and mineral water botiles into reryctod products with economit valub. Throdgh the
liwolvetnent of waste bank commuhities. lacat yolith orginisations and enyifanrneital
axtviss the project akms to sxpand the reach of reopcded products sn that more pegple
are encouraged ta parbelpkitr in managing Ihorganic waste pankulariy mira wates

Budi Anggoro
(Bank Sampah Pa-@-One) - Yogyakar

Tris sodal intianve focuses an Innovation Ihat-uses shell waste by optimising the
invotvernent Of pro-procperbbs Wwotren who are palt cf the KUBE (Kelomipok Usatia
Bersamis) In Wonorejo Vilisge thvolishbut the production protess: resultiks In urigue
and creative pradurte

Prayogi Harry Widharta

(Maringrang Arts) - Probolir

Report
PT Bath GMBI Niaga Itik

17

118

2 Special Social Award Ideas

Ovtitonding In 5.T.E.M (Social. Technology, Engineering. Mothematical

Daniyah Deluca

Am oduratanal sadal movement that foruses on eguitabie access to
orlucatugn ang techsology. partutariy mn Frontier Outermost and Least
Devetoped ragioris (ST). with modules. materials and appronchestallornd
10 the Indonesiah cun culun and trhools neede.

(Kakarobot)

Animnoyston that-processes paper wasta Into recvcied paper ombedded
with plant seads (seed paper). After use. the paper can be ptanted-to
AT intoa plantand: over tim. It decomposes into cormpost Tha paper
cmn be Usaij as'greeting cartis ih Witation Cards and calondar

Outstanding in Circular Economic

Riska Fodilla Sari

(Seed Paper Indonesia) - jakari:

AS In the peavjowe year Bank alien provides mentoring ant development suppart to the thres winners of the 2024
Tonimumuty Link #IadiNyata Programme. with progress as follinws

Arka Irtani (Beli Living Lab! - Bandung

Arka Irfan establishod Bell Uying Lab» sacial anterprss
that foceses On the utilimton Of coffee waste and the
Tmpewermentar catfes tarmes in Cilengkrangi Bandung
Reseney Throeeh mentoring under the Cammunny Link,
& jadiNyata Program n 2225 Geli Livinetah procensed
Coffee husk waste into varibus sutheatic products ant
work In paraliol ompowormont efforts were delivered
tor coffee falmer groups tirodgh edutatioh and by
supporting tho simply of coffps hiek waste. Bank aled
providod, marketing support by showoasing Sell Uving
tah producis at various cemia Ireluding operential
lenming: actidtis on matang lanyars wing cafe
wastn matanals

Taroughmut-the 2025: mentofing period, Bofi Ling Lab
racorded 3 tirnover of Rp5876 milih ampowrred

2015 Sermarabilty Pepari
PT Ratih CIMIR Miasza Ti

cisht ofise tatrmers and one farjner group comprking
IGO memhersand utilskd waste surced frotn Glonffes
Shop Tirouehi Acihe orgasme 7, s00al. media
and its website, Bell Living Lab contnued to cepand ts
Outreach and social Impact

One cf tht fiseship Innovatisns resuling Trim the
mentoring: programime Ic Cfoam, a coffee Wwaste-
baso matortal that mperlenced signifont growih In
2025 with product: development Increasing by 5
These (iniatives reaftim Bell Ling Latis commitment
& Integrating Innovation, matamobilty. ang local
CommuNIty empowermann

abell Ivingtab. “SP belliymelab.com

Cahyo Febri Wijaksona (Metasekertal -
Surabaya

Cahyo prosarwes Wayang by lesoraging davelapments m
1he digital spa. He bagan by creating an ediucotional
Fame Motasekerta. which features wayang characters
as an etfort to pfeserve wayang culture Inn crgasing
and Interactwe way algned With tecmnblogicai
devulopmerua Tntokeh mentoring unlter the Cohmunity
Link #JadiNyata Programme, Canyo further 2evelopeti
has since. grawn Into 25 animatiga brand that highllehts
Wayaog art through edurativaal arirnated content
Gn -cocial modia platform cucb-a8 Instagram. TikTok
and YouTube The pubUshod contest combiribs varlbus
Olenenis inelixding financial literacy. comedy and other
Isuee In addklim. Mesasokerta developed 3 range
Gf wayang animatipns that wera atlaptec (Into other
products surhjas tote bags.and tumbiers.

In addiran to proserving Wayang ciiture and at
Metasikerta can generato sadal and economic Impact
for young pecple invotved in the production protes. In
2025. Metasekorta recordeid more tiian 125 thousand
Vikuer oren al month and genericed pofeodmately
Rp7 miillan In revenue over itWe months through
the sieniticant potential af cotlaboration between oral
Kuiture and distat nnosation Indiving SEowth within the
creative econoiny.

(BJ #motasokertaotficial
df @merasekorantficiat
Et Simetsakorta

Seraco Luminar Isa dacaratya Lehting brand that
cumbines coconat shell waste with carved eraframanship
by local artisats in Tampak Siriig Villago. Bali. and
integratrs sustainability tiroligh solar panels as the
pemer source Tiraugh mentoring under the Carittunity
Unk #indinysts Programme Decaco Lunviner was
further cevoloped. vdth mproamnenta 0S mal
areas Induding product Guaity. arisan | production
mabikty, cperatonat Row-and guality control, Te-ompand
branding and market: reacn: Drcoco Lurciner levorages:
Social modia-arid a-cortinirce bukds angapomont With
vyatblis stakeholders particlpates In MSME exhibition
am cllahorates yith seatesic partnora

In 2225, Deroce Luminer surcesfully seid more shin
ICS solar-powered dacorotwa lamps and ayar ZD
mtertrie decarkive tamp3. The company afso secured 3
parmerghjp with an ALstratian partner through contract
for the tepular shipmont af. 40) products per month
ai ono-yoat period! This progress also supported
sical growth bwolish comimusity tmpowermotit by
inyalVing local artisane and halsswlves Ig sala panel
production and female worktrs In the finishing process.
Scmomically Deco Lurniner reoided rere At
Rp34 million,

Pai ia
O oesctinar

Loocurrenity with Te final judging sesion Of the 2025 Community link #iadiNyata Pregramene. the Annual
Workshop Cotnminity Link #iadiNyata Was-atco hold 45 a-piatforini for continued mentoring btinging together
ptogramiris alumii to foster collaboration and knowledge shating The annual workshop alsa featured cpeakers
With meperirer In soelal business develenment. namely Jemi Ngsdiono, Folndor af 00 Go'u and Dina Dellyans! 3
Iirekjees devulonmera ewpert

M0 Sai
PT Badik GMI Hilaga Tit

119

120

In adidition, the 21525 Comntunity Link
Programme also arganked Pasar #JadiNgata an exhlbitan
platform to cepand: branding for products crcated by
alm and finati Tnis reflects CIMB Negas efforts
(5 provide ongcing menmarng under the Community
Link #JadiNyata Programme. Pasar #fadiNyata featured
Inposatika prodacts from Ine 10 Analisis in 2025 and
10 programhie allimii cinco 2018. Pasar KiadiNyata
also gencrated sales from selected prodicte With the
pincpede chennellad to CIMB Nisga's stunting program
Im coltaboration with UM

SladiNyata

Onanothar accasian.

event. Bank features Innosatiw produsta from Tesacoprepeurs dawn froro the programma

20)S Serrmamability Report
PT Rank CIMI Niaga Ttik

wang ang Analisis
of the Community Link #fodiNyata Programme In
adiitioh to the products visitc cotkd “iso enjoy
haniis-on aipiorlontes by tryine the direct practite it
making innesanve products at almost very bobth
Prnceede from product sales were channwilod as
donatara to #CegahStunting- pregrammes mM NTT
and for pest-disaster recovery In aress areund Aceh
ad North Sumatra For further Information an Tha
Cooler Earth, pisase refer to Pilar 5 Advocacy and
Stakehoider Engagement

Community Link #Jodiberkelanjuton
Programme

Tiwokgh Lammunity Un #jadiBerkelanjitom. (Bank contirwes its
collabwation with BerdayaBareng Programme to deler crtsnabke
conanic empowerment training Programme alm to strengihen
Capacity and mproes readinasa to access financial Srves for women
MSME actars and persgns with deabilitins mM Ezstern Indonesia. Since
2022 the programme has focused an several areas. In Eastern Indonesia.
Incioding Marmimihasata (Makassar Maros Gowa aad Takatar). Toraja.
Kupang Samara Balikpapan and Manado. As 3 custainabilty
step, in 2075 the Community Link #jadiBevkelanjutah Programme was
Implermwnted and further develaped through

Akademi UMKM — 3 regular training and devetapeneat programime
entering its 4th azan. This sessgn focus on Opanding Impact ta
four now areas, namety Banjarmasin, Kengani. Lombok. and Pontianak,
and reached 438 M5MEs: This was fotlowed by 284 particpants In
Oino trirang on business Firanda Iteraoy which willbe #tnored into
50 MSMES tat rereivo atcess to Interest#rob fiharicing for business
development.

Jaring Komunitas UMKM - Rank eetablisned MSME Communitiss
In three areas amuly Balikpapan. Maksssar and Manada
28 pat of supporting Setamabilliy In @mpowering MSME
entreppengurs in these areas

3, Tambuh UMKM — an alumni development pragramme tor
Seasone 1.10 3 with low non-pedforming Ican (NPL) values
atuf strong biisinese. growthi potontial Whict will teken bg
supported thvoleh tienatic training. mintoring and wider
(harkat accees

"

438
MATAN ttyat :

M5 Sarrsinibeliry Amport 121
PT Batik GM Hilaga Tb

122

Empowerment and Training for Persons with
Disobilities

As part of thib Implementation of Law of th Republic df Indonesia No
BD of 2116 or Persona with Dicabilitks Bank cantinues 10 strive to build
2 positlke and Indusive work environment by providing employment
Cpportunitie for a totat of IZ perens vetn disabilitis 20
outenurced employens (Contact Center. Admin Sumport for tie Risk

Contra Urut and Human Resources) and dwect contract ompidyses

(Frontiinor as Telier. Desk Coflection and Development
Program)

Meamwhila since 223. Bank Nas continued its callabaranan
with Alunjka mi In Z5 appointed three persona with
militer as bengikiaries following 3 sekte af talining
pegamm nducted In the pra sat. As ag result
Bank now has spc partners with disabilnies under the
Kennftraon Seraya (nltiates, Furthermore. starting:In 2525,
Ine programme has focused an mentoting and capacity
buliding for those six partnbrs lecioding facilitating the
participatlon ot Seraya paftners with disabilil:s in opening
arlous cupnrs supportad hy Barik

bonttes atv:

Empowerment Training for
Bamboo Farmers

As part of @fforts 10 sustain the socip-
sronomic beneftts.of tno Bamboo Cansenatian
Programme inptemented wati Yayasan! KERATI|
Bank contihbes to bultd the capacity oF-bambot
falmers ttwough various - talang Ihitstves In
20525 Barik pryuldeit training to 965 partidbants.
tomprsing brnboo farmers and local
tamnities across Bank barnibgo programrne
loramone The. trainme. aims 19 encouraeo

enviranmentatty friendly tambao cuftivation prarbees.
(mprove. produreMty and Gutpat guality and -sxpand
Opportunities for sustainable Income growth tot

Kommninities dround tNG programmmaroda

KI Suamatiiny Repan
IT atik CIMB Niaga Tik

Pillar & Climate and

Bamboo Conservation

Through a longterm partnership With the Indonesiah Glodiversity
Folendatinn (KEHATI) and @veral other strategik gariners, Batik has
taraeentiy mplemented barntoo cmeervation Initiative Which has
been running tar more than, ten years The pregramme focuses on
Planting several saleccd bamboo yangtise including Biack Bamboo
(Gigantochlos atrowalacza). Tabah Bamboo (Gigantochioa negrocilata
Busa-kurz) arid! Betung! Bamboo (Dendrorilamus acpor). These
are dovotoped srross varluls areas Iiduding Lombok (West Nusa
Tengeora) Tabanah and Ganjar (ab). Fidres (past Nya Tengaswa)
Nagstang (Central Java) and others new lecatkan In Manggarai Raya
(Cast Nusa Tenggara)

In 20925. Bank. tosetber witn the Indonesian Bjodiveraty Foundation (WEHATI) ptanted S5 500 bamban (mn Magetang
(Central Jawa). Lorbok (NTB), Manggarai Raya (NTT) and Flores (NTT) Asa resait since 2012 Bank has planted atotal
Of. TIS500-bamboo In addition: Bank also ptanted more-than 6.000 economirally vatuabtie otants that can be utilsed
Inther short term by surrouhding commndnites in Manggarai Raye-2nd Lombok.

In additins Tank Is alan besinning' to develop sco-edisratianal
touam vilapes at two lotattong that have Implamiented thr
tramboo. coreeryatian programma Temely the Farisi Arga with
Special Purpose (KNOTK) Rarung in Lombok (NTB) and Wogo Villago
In Rores INTI Vantous sermities that deliver- sentopical, sconomic
and social impact are heginning t0 be-felt by communities In bothi
locatioris making eco-edu-toltisrn Vilisgp developineint oniof the
2mnerging developrment opporturitiss

Ero-sfucatsanal tourism viliages (Integrate three key cormponenits
nature canservation Smpovenmant of decal ommunites to
improve coonomik dutoomes and Increased environmental awarenasS This approach Is ntended not aniy forvisitors
but iso acrively Invoives Iocai- communites. The eco-educstona tourism concept encouragesdrarning through direct
Interaction. understanding-and appredation af-the culture and custorns. of the tourism village visited. Community
2IRoo erni Is-tNe core spirit In devaloping tourism villages. wittetne mepertatior that ian improve communities
giallty Of ito and wolkbeing when managed serobhtahly

Furthermnore Bank reglllariy canduets perjodik anal yses of the carbon seguestratian potential of planted bumribad
Gakutations In 2025 show that the carbon seguestration potential from piantod bamboo reached mur than 3aO
temnes af 2D, eguvalent, with armulatne Sgurstratkan Anas 2018 reading more than 15005 tonmes af. CO,
#guivotont

MOS Sertainabiiry Rmport
PPT Bank CIMI Miaga Tb

Inorgonic Waste Management

As part af its Kammitment to |renpongibis mwitonmentat
(managernent Balik ntegratesa tintulaeconamny agrpr bath
“through the apblkatisn af'tha 38 pilncibles (redce reuse
“and reoytlnl acrnee various peratinnil areiyitisa supnotted!
194 ttirdparty parmera TR iriltiatwe 3x Implomented
thraveh 4 Tange of progam and aKates meudag
Ine ABEDE' Chalinnge: Eeporential Learning. Warkshops
and the appticanan Of tha Zero Waste ta LandPil concept

at vanous Bank ewnts In 2026 Bank. managed 770 kg
af luhtcod debit ahi credit cdrde ahd TB Ng'of recyciabl

vessta

Creating Meaningful Impact for Communitics

As part af its sustainability commitment OMB Niaga continbes to cirsure that all corporate CSR programmes deler
tangitio and sintainable benefirs for th cenmiunity. the environment and stakeholders Bank messures the social
Impact value of its CGR programs through the Social Fetum on Investmeot (SROI) approsen which onatiles the
Bank to nee the #Hfocheones of social interventigns holistically and in 3 mossurable marmer

The 5201 approach hetps Bank undorstand the artant to which LE5 value is created from each Bank Investmont acrozs
thetour core C5f piliars. SRGI catcutations are conducted by (ONa Solutions an Independent third-party research and
Coreulting firm with sepertiseomanagernent custonar behavtour Innovation and digital transformator. which has
seryed varinus publi: and private sector diionts since 2016. SROI calculations show that overy Rupiah nunstod can bc
convertei Into th6 valuc of social benofits recviyod by bonefiiarios akd the environment An SROI ratio of more tiiah
1 Indicntes that the social value created Gerestis the Inyostment made. meaning tne programmns is ansessed to have
2 pesitive and dHfecihe mpact The SEO analysis results for the four pillars show that CIMB Naprs sadal Investment
delers ganificant and sustainable vatus for stokaholiers

124 KIS Sesamatilny Repan
UT Rank CIMB Niaga Tbk.

Social Return on Investment ISROI) results for the four pillars of CSR

53 Piltar

10056 of partners, Induding vendors, business partners,
notaries and CSR beneficiaries, passed sustainability due
diligence (SDD). Therefore, none. of Bani SR partners had
environmental and or social and ethical Iss over the pasti
three years and none were included In Banks Exclusion Ust

L —

125

Testimony

Kalrcs Abinaya Susantu - CIMB Miaga Scbalarship Awardee of 20265

Computer Silence ang Statiifmoe— HMS Untesnety batarta

Hani weny happy to bb order dl Wa repot df Ae CIMB Nian Suhalarahip In add bari to #ihaneksl mujiport
Din remik aroma jap ang benehesl esfvitae one of abitihnsa Steel (esepptasan thai
pertrokehess kresiaetrta: entus Pensi pelasraingg 2nd #rovessttrvornt. Pedlborag tree missing ny Panam tartil

Mprsgeee tanng part ok aha CKA Ifan sehotaretnp mupeng mornenynity ajo anto gan many Frenga
tiara kmowtesite are bullid cetakan Ita help us grow togettes

1 hape the DMB Naga Seholarahp Preseam ai centini (3 grow ang meet aseronmngar aloe nan
warioar tenor In dora

Diretc beat ot Ceglirteraeeil Pellarithrotap Me tik — ASAP Murseanity

Wu bet that our adllaborating with COME Ne $ marehuan just» pregramune partner Aa gemuing
@erpemanuang ad (het barus hropee to enim pemula Tie talppoort pnayadasi sraahilars (tu pitelemartirne 40 ear
riiote Bplmnblly Feseti a widier obideroe lari dub: derper benafita 60 Hal community Triks tida bera troly
vwtustte sparengg and arematters our baliaf Inyt crew sertur cofleborabon & key to Gent mntaeble
sactal brnguat?

We appestiste TING Maps3 mnt whuth not arby Offers support but &lxo demmpratrates pemuine
kxomcer 7 mad edaat Iri Wropdissrarg lte par tiners (to barber Jebat eresaiNnga till ehianga

Sen Nurul Adbernyati- Decoce Luminer

Viirrsen at Dapat SAN yata Pregrarmeya of 2025

TN #iantoneg reel IhhetigN Ie 7025. Lammunity Link #ImiNyata Peoggati hei bada ru
agrticant Impact ant the Cevetremantat Desaco Laminer Thngagh this program, wes pat ant neaya
twthniical nil rrunaperidi Mutelerrce but alay encotdemmetri Io ee ine potensiut af cocorast shalll Waste
Iran & naa perpetta—a an Elina opporturitv Bit cati sreeptosarr the-oormetilanity

It pempriinn (ncilitatsrs tonbistsrny pniwided Heat direcilan stkad) support. and motivation thl
Sirenighebed Our corifidence In Ueerloking an windootienebtblly Desa btsittes Ihut empowera terung
arteane Mm Tampak Sieg Wilase Bol This mentoring proc— he teripad ak rona prabu
Bowernance trihance protuti Guklity Urat tepsared ca mrosrethengg teltwwearkie.

Wo are prpod and RoatetiA to ber part ot the progam Lormmunty nia Jadihiyata his nat only birnetitai
sar business bul bur slim apsred pdthviays for tile surreutatdana cortetiltilly to pecuy tagetiser throussis
Crentrety ati stnebiNY

Uji Acturnad Hetwan - Desa Pernepek, Kerarnatan Pringgarata. Lombok Tengah - NTB

We #njira— Our periutitlicie to TIME kang aki tas KEMATI Fesirodiritar 00 Asir coraakterit aetifcartan | Saagopobortidigg
barnboo cukfivating in Peraepek Vitage with hua rasi awyeenesa ani moabilag fe cemmunfbv Io se for ie
Atoyiroririerat asu adilise #ppeat proekurta responukitihp

Toesytar with Oper Mitra Tani group, wes haree bean able to plant barmboo along cerrtbanfesang oocat langsa within
RHOTK Fanung Fri sedang prepsaralitita Lires (lesrira3, ptarilingg ds rudi smiaraee, Lae cervurtakitilty bs pnoree bila
tis histweti Tabah baimbao manke buribod Nan aki betriboo der No bar ptocrssedi Inda asas pendiotte atif
sal

ke saditiono isrbugh batniboc cuttiwatitn ae have begun to ar pokiikaardinnenerta Innguacta sat landstidapangaan ate that
ane (onger mpenenang lepiikl— ang ita mmergenas al mey natural wpringa

Due hope de that tis pifopram selil candihie to row 2 Ihut the-bomnetiunity bacuier Ikoeaihaty dam Gi he Ikiportarite ol
Preerving Our forest

126 2 Sean Gasa

NE EN

Ta support cimate change mingation

and adaptatan cfforta OMB Niaga. has

integrated clmmate changowoiated risk

Or ciirnote risk. Into its cirategic and risk
mamagentnt ameworke as pat af
sustainability grwemance Bank has set aa
target to adhipve nnt Iero gPerhOL— ga
(GH3) amismans 3oress Scope 1 2 and 3 by
ZOSI or Organisationai net 380r0 amksians
(NZE) 2050 Since 20279, Bank has initiated the
Nat Zarg GNG Emrussions Strategy and Climate
Rick Managornent project ("Net Zoro Strategy
& 'Clinte Rick Managetneat”) to ensure
the target ke supparte# by a siruttured and
masurable roadap The peojset Idenifiad
Glx meta with high carbon or GHG emlskons Intensity and set Interim decarbontation targots for cach sector
Asa fotlow-up, Bank mpicmonted the Net Zera Operatimallstion Presramme (NZOP) to support tho phased
implomenzation.and eperatianalisation of those decarbonisatian targo1s

Sans sustanabilty management indoding climate change-related risks ang opportunites Is carded out dy thr
Sustainability and Integrated and Ciimiate Risk function Bank has sukinitted Climate Scenarib Analysis (CSA)
roparting to tie Finandal Servites Authiority (OJK) sincs 7024. referring to thie DIK Climate Risk Manakensent and
Scenarin Analysis (CRMS) 2024 Tectwical Guidelines far Banking Bank ales played an active role in strengthesing
Industry capatility and reftaing the CRMS methodology bv particdpating In OJK focus group descuesions (FGOa) on thir
development afindonesian policy senanaa ani tipe Indkstry-Wide Stress Test in Nowymber-Decmmber 2025

128 I0)S Sertamabilty Pepart
IT atik CUMI Niaga Tik

Sustainability Governance Body ». oo. oo.

Bo

MB siemingiksorseai 153 teorgat biksetain

Dipanotiezany.— IP Wmotementisan

Oesutitisy Urat

(NN Wbih Liat Tecrandtng tie tmpirrmestaban
"at esmpabdnpriaat hapects

ID engisitea and Cilivuite 20x int

The Beard of Commissianers serves as the
highest govemance body, followed by the Board
of Directors led by the President Director. The
Board of Directors has collective responsibility for
implementing sustainability principles sustainable
finance and dimate action and mitidation
afforts. Spenifically, the Directar of Complance,
Corporate Affairs and Legal serves as the Director
in Charge of Sustainability, While the Director
of Risk Management sorves ae the Directot, in

Charge of Climate Risk In relation to sustamability

governance, particulariy climate risk, Bank has.

established tho Integrated and Climate Risk Unit
under the Risk Management Directorate. Oversight
of sastainabiity performance  coerdination,
including climate change-related riska, is carnied
out by the Board of Comrnissioners through
the Audit Committee and the Risk Monitoring
Cominittes, in acoordance with the 'guidance set
Out in the relevant Committse Charters.

MS Sentainabliey hmport
PT Batik MEI Niaga Tb

129

in 2075 Funther details an the main discussion topics are presented in the table below.

Sustainability Governance Agency Forum on Risks and Opportunities Related to
sustainability and Climate Change sein an Pena an Ham ana

Forurrt. Beard of Conutissianet- Levet

Bek Munitoring 5 Pam ee MAAN petang praja reka ta ia alga

Cominihtes
& Ka MEA AP TAN EN PAN arema
Sud ysis Auurydited to DIK undae DIM Cliyate Fesk Menagemeni and
Semiarlo Analyen (CRMG) ItiI5
5. Period reporting ang monitoring of tas rab appetfe dastihoari,
Inndudine guuntitathee rreztrices for Ie sustainability dirersasr

Giieludirng ellrmitai Plak).
& Bepgrling on dek hotupats and merang rina jncluding sesuunghitly
teks and siirmate riak
Tamala” pak 5 VP ap bilidpe 6 proses Y dc dan
Cart re Pack otong rr ai apn Gham
Ineliuling #psartutive rryattvces (oe (hu sussralnutsliy dlnyersian
(imbang cdirrsatu resah)
5 Fepartips on res botepota ang emuergang rada Induding
#ussiblraabjity Semakan iarvd olitrud (rak
2 Estabilahment ati approval of Barik5 Cllinate Fak Menagent
Poley toge und ensure Koneateil appruadh (0 clmoata rak
menaganten fundodit defintlars ups. priiples uwernanca, rash
@poelie menagehani piocsses ati data)
Ssardat 1 Sibrrisssan gl tee reslilts and merihonsisgy df te clltmate wenuriu
Dretiors anis pads to OJK tiruier DIK Ulirriute Fish Menugermujit and Stersatio
Nestirng Analysis IKMS) 2025
Asaiit 4 Subrretsun of Ike Systamuble Finance Arban Plan (MAKE-and uptates on
Carmlittee pertorinana. gpport atas. ari #iekes pelat al due sent atIHILY saraf WUrsitas
Mma Bangga: Indang but met Urnitesi to:
merang " & Scope Tang GAG emiaslora
Sak & G5 reduction initlatpes
Sustmmablity Board ol & U #nencing totnpolUor Ih #iigh sustakrwbility Hak sectora
 KEmaEisioreri &. semtainghle finance portfolio indtading (he Sestaineble Pusinges Actuily
Merlina Category IKKUB) Indiirestan Sustaimahis Ananue Tone (TKBI) and
— Other awstainutteinance prodicti services oridd proprerirnes
Bsardat 4
Director
Neetir

Aina an me ter mean sinta nata mentaati

130 YO)S Sermtaimakilny Report

Duties and Responsibilities of the Highest Governance Body
for Sustainability, Sustainable raanga, Risks and Opportunities
Related to Climate ChANgE —.-...ii.o.o oo o.c#ooo.oo oo oo

Tang PERAN

Bank has aligned roles and remponetilitias that support astamatility prmciples sustainabte finonce and the
Imptemuntanon of the Sustainable Finance Acbon Plan (RAKB) within the Charters of the Board of Cammlsinnera,
Boord of Directars, Audit Committee and Nominatido anif Remuneration Caoryrnittee Cluyatr chongp-related risk and
Opportunities have also bean Integrated Into the Chartors of the Board df Director and Board of Tommissioners A
full description af this roles af th6 Audit Committee. Rick Monitoring Carnmittes and Norrinatian and Remuneratioh
Committee in supporting sustainability imptemehtatibh Ic provided in Appendix Pillar & Governdnco and Risk To
znsure the sffectiveness of governance -bodies ih monitoring sustainability risks and opbortunities. including dimate
Change. as part of the assessment process for candidates for tha Board af Comnissionersand Board af Directars
Appointment of. mambers af the Board af Commussianers. Bsard of Direstars and/or committees also takes into
akcoua Banks strategic needs ini strengihiening governange and Sustainability capacity Lach yesr, Bank also regularty
(Grntifies and provides sustalnability capabilty Itevelopment for members akthe Board of Cammbesioners and Board
of Direcire

Dutles and Responsibilities of the Sustainability Governance Body ui. 2eisen

Jana

Board of Commissioners

18 h ok emorervtantul (petisi diinsade churgse) menertilk tncial ara mnereints (LEST) sperti
any aa ARA MANA NA NAf aa ikan we

(pelarangan metayle bandang busi wes paying aitanpor la ine rata and pepertupa al SETAN AP:
| 2 Pituide aganoslit Hor RAK mes tnoeiloritNnglernentatiat.

Board of Directors

4 Erma he atambiliy Girategy dr milih Bank sirabeyy

2 Appirioae sodtainility and kuutasdble frodisal politis imd ptocediras

3 Bvizar and approee ita: AKB and ersure Av knplernensatibon after appenat by Oo Doad of Comnisonera

4 Biiluste sestaasilliy aril sustaimenlk finance peranan penodically

& Ersute ie aligyitent ol #lrorirsntil (including cntite chinav) @etnerrike acid ad peneeirsrite spatta In besi
strategy si best aetiMibes 15 par of aminetie banding potk wife caraidaring metainsdilihy and dimatreated.
eselon

Director In Charge of Sustainability, heid by the Director of
Compilance, Corporate Affairs and Legal

(PT Lesu and ensiure the RAK Is pipareti In re dst Beries Wati anid misilem

2 Tenninata, makuate and folio up 0n RAKB Implementation perodicaliy.

3 Enare apeuate famenaks polos mwihocolapes and PELAN Ae M plate ID MERE MManghlity rak
Jernelrurinental socel aral Mustruars “ifirs riska)

Director In Charge of Climate Risk, held by the Director of Risk Management

AL Drert BW dimute rak management Serategy anti emry arang ceerught by the Baani ot Cireslors andi Baru ol
Cerai

2 Dewellag Uncderatiiiding ti Kirmiter Pak anid ikajirati it effecdivehy Inte Intra conttoks to vtrengther BAnkv resilisrica ta |

25 Sentainabily port
PTBsek OM Naga Ta |

131

132

Sustainability Work Unit

(1 Propese und erralife the sustainable fihnree Uisior and tnissibo are reviewed) givtiodlblly ara aliginei wilis Hardi wsc
and alat

2 Geeiop Ustamebilly and terstanadik teen pollOes, Ingin: buat not limmilesd tt Sestabsslliy Serstamasi: Feniner ara
Hiurran Filghrts Police

Preer he RAKB are aurat it tp regukatora

Mernar RAB 5 £

Mbp bit sept with: cirrutar dianjke Fin dnitiiluirar and KilreNy Mikdncitigg Into itik drotigtal Wacbisdieet Int Ubi
Semtapabity Sensitie Sector Lat: .

#rplerverit and onerses Interrad mustamatalny Inilatives and cerporite setkk and ernercremettad mesponetsliy (CSR).
Strengtheh awkrenea al adalh Nhanes proetibes anti bultute

Eesute temmurcatan on Setamei fitants tnplementasiun 20 seamrholdera

Coorilltate sitatepts ft manastng sentamatilly ang darstu-retatad epartunilhe

WA

Us

Integroted 4 Ciimate Risk Work Unit

IT Deselop Wnglerrin and period (ada Ui Dmnute Rek Margaret Polloy 10 methsiktallared ahh Sendatabiti
Pepatigna and Bank pot |

3. Sepppori bad tanitor 1he Inpleriehtatian Of dimata riak Inabhksemant policy sono ll bemine—unlt-ane sol tritb
ape sutarmit lhmunte riak tenues Gpdates erpropo—s to tt Alak Mensarmg Committes (MPER) and th Psk Mangamment
CartanVetes (PAN) Gusatterih

@Ietithiplermanting dttote tak menajeteni proof usi eiponsihte, among lha tot IdamtihAng atid 2a—eng
cdimnate risk (hrongh a dimete nik Pesiar meanng and reporting dimata rak through ESA, tom ditesnes and sector

| tuyul estetonibily erperlihea mnoevterinsi sodi reporting lak Ihnatagh th Fiah Appetite D-shbmard avi PSPK 2 reperling

Bank impiements the Integrated Sustainability Operating Model (SOMI through the appointrnent of Sustainability
Iharnpions to strengthen cross-unit-coordinaten and support the implementation of sustainability Inibahves.
Inctuiding the managoment'of cllmate changs-heintad riske and opiportunitles. This molet kntoarages' otot Work
urits to enhance slistsinablllty Innovation and tb Ihtegrate sustainability culture. vales and accduntability across all
businge Ines

As part of strong sustainability governance, the Bare af fllrectars and Board af Commons annually undortake
a data-driven process to plan. disnuss and monitar Bank's capital. needs and tunding stnusture- This progess takes into
account cronamic prpjcctjana. the-patential for sustalnabie business growihu risk appetite. stress tesing remuits:and.
Capital rabo targets inline with regutatory reguirements: Thesa considerations form tie basis forsetting resporsible
Capital structure and-tunding policies: to-ensure Banks resiilmce In tesponding 10 erdngmic chango while captuting
#rowth oppartunitizs that support the trarisibon towakds a low-carbon econdmy.

Inline with sustainability powermence prindples at all Levels ofdecisinn-making thu Bodrd af Direerorgand Manazement
SEIvely evaluate various trade-otfs between res and cpportunities related to Setalnabikty and dimate change
anpocts This evaluation Includes analysis at potentiat financisl. operational. orvironmantal and socisi (mpacts tc
ensure that every strateoc dessian (emMAIns copsEstent With Banlks long-term objectives and within the established
risk teieranga Oimita ThrougA this approach, Bank ensures that thi Integration of ESG aspects and cilmate-relatod
risks form-an inseparabiz part of:the strategic planning and risk management process

KOS Semtaimabilny Repani
UT Rank CIMB Niaga Tbk

Atull desrriptian and dlsetesura of Information an Carpbrate Governance the naminetion and remunsratian criteria tar
members of the Board ot Directoes and Board of Commisionerz GMS duthiarity, the duties and respanshbilities at the
Board af Direciors and Board of Commissiogers the Audit Committee Charter and the Namnation and Romuntratian
Committee Tharter, 22 well as the baris for datermining management policies On capital and debt structure. ane
presented In th 3025 Anjual Report The report s-pubished separataty but compisments-and reinforces ts
Sustainability Report therceby providing 3 comprehensive picture of Banks: comrngment:to and implamentation of
sustainability govermance

In line with ths Launch of the Farward3O strategic plan as a sii-yoar roodhap to accelerate growthi and prepare the
@rgancaton far tho future Barik has adjucted its Suntalnable Finance Visan and Medon This adjustment reaffirms
Banks commitment to ensuring that Its sustainahllty direction Is aligned with 4s sintegik iranstormation and
Strengiheng Its 2ere purpose at advancing customers and Indonesian sodety

?#

Pa

#

an

Vision for Sustainable
Finance -x1

aa aan

Mission for Sustainable
Finance...

MS Sentainabiiey keport
PT Batik GIMB Niaga Tit

133

Management Review of Sustainability Performance -

PASS EN MEN PI LN

Within tho sustamnbility sesornance structure: the Ohrectar af
Tompbanec. Corporote Affairs and Legal a-dasignated as the
porsan responsible for managirtg sustainabilityrelated asks
and ppportunities Induding dimate change acpects 38 Well as
ttis Implernerzstian and evaluition of the Sustsinabile Fihancp
Action Fian (RANB) In this rolo the Cilrpetar recelyes and reviews
Banks sestalinability performance reparts. which Include. nong
Othere reparta on the Sustamabie Business Actiy Latezary
(KKUS) parttolio. reports an the portfolio under he Greon, Socai.
Suatainatillty Impact Products and Seruces (GSSIFS) framewark
and reportsion sector risk management basod on the Indonesian
Sustainabis Finante Taxonomny (TKBI). Banks sustainatility
performance teports are sulimmirted perladicaliy at least twicea year. to the Board of Directars tive Audit Committte
and thg Board of Commissioners In addition. th results af suntalnability (sk identiication In Banks financing partfolla
and varkbus susmanability recammendations tor debtpesare pertodkally reportad to the Risk Management Committee
ang the Risk Monitering Committee.

Furthermare. the Director In Charga-at Olmate Risk, held dy the Director of Risk Management through the Integrated
and (imate Risk Unit also reporta-on the (mptementation af the-dimatesredated risk framework, Induding ESA results
showing tho impacts:of transition and physical risks frarp dlimate change or Banks portfofib. Furthror axptanation
Of ceporting arbas and discussion tepi 61 sustainability and climate-relatod Maks and dpportuhiti2s at tho Board
Of Directirs and Board cf Commissioners lovels cai be found in the table Sustainability Govemahte Forums with
Sustalhability and Cimate-Relotpd Risbc and Opportunities Tapice

Evaluaton ct RAKB mmpiementation & senducted pertodically md reparted to the Board of Dfectors and the
Board af Commissioners. Through tha Audi Committee. tho Board af Cammijssianres reviews tho resuits af RAKB
Impismentaton submitted by the Board:of Dirociors, While the Rink Monitoring Committee focuses On highsnisk
sertors. sustainable finance risks human rights tisks-and cdimate fisks, both physicat-and transitipa. This evaluation
mriechyinismn-engutes that the dirpetida of this sustainability stratogy prowth okthio KNUB portfolib. rick mitigation and
this capture of opportunities remmalh Oh tradk The ruvew of the-2025 BAKB showed no significaht Issues reguiring
spocal attention The custainahility performance report. Inctueing the 2AKB and its intplerpentatian received approval
from the Board af Directors-and the Board of Cemmbsloners before submbssian to OJK.

— ——— m1

134

The Banks Management onsiltes readiness 10 comply with SPM ID andSPK 2 by cdnducting 2 gap assessment
2nd strengthening the competancies pl the Board of Commissinners. Board of Director. Commiktoes ani
relevant working units. The Bank is-also in tie process of deweloping and adjusting palicies: pracedures aod:
reporting Information systems. These efforts are undertaken to enture that considerabans of sustainability
development and budgating proceases to managemant derisianmakipg.

These peeparotiona have been Intarnalized Into the reporting process bareg on the four pillars—Gowernance.
Strategy, Risk Management, and Metries & Targets—as described In Pillar 4 Bowernance and Risk Sub Chapter
Dutios and ResparsibAitins ot ine Hghost Governance Body for Sustainability Sustainable Finarice, Fisks and
Opportunjties Related to Cilmate Change. 3s weli 26 tne Sub-Cihapter on Management Review of Sustainability
Performance.

075 Sermainabilny Report
IT Rank CIMB Niaga Tbk

Sustainability Risk and Opportunities Approach
Framework ......

Sustainobllity Policy

Palicy Responsibdity (CSR)
Corporate Saad
" Ank Bribery atid Cortior-Potioy — Resporessilty (ESA) Polioy

Worelndividual F
sa —e
» Members ul the Band ul Comenesinuirs, Shufts Sunerusany Doune “ Ula knssituficn Sruup
Boure Gi Dinetors 2xi retependent rembes af Banke Board ol Segment
Corumesoners Coitunittae
» Neningvekt Finenping Gustornera
MS

Sertamabiliay keport
PT Batik GMBI Niaga Tbik

135

Environmental and Social Risk Approach ......

A5 pat tot Ita rek management apptosch, Bank recopnises that environmental and social rek can cesult
Inggversa (mpacts Indung cimnate chanes (ptresicat and transtion mela), evi onani dieradatian,
biodiversity less, deforestation. land use change and Issuos related to water, marine.and air, human
Nights local and indisenous ommunites and labaun These impacts may al arjne from the activities of
detitors vethyn Banks financing portfollo: Accordingiv Bank appbes Sustalnahftny Due Dilesnce (SDN) to
mitigato ndks and to-oncourage-tho adaption of sustainability best practices throkiah Sector Guidelines
10 supportpasitivo environmental andsodial dutrbrnes

Key Environmental and Social Considerations for Risk Assessment —....

angan mein

Within &c rek management Framework Bank treate
sustsinatillty #isks, Includins deforestatibi, Intaridi
waters and marine matterc land us community
sical mpecte lahour, hipdkersity and human hehts
2s key focus areas Aresenent of sustmnable finance
nak is conducted periodicalty through tho application
of Sustamabiity Due Diligence (SDD) and or Enbanced
Somamabiity Duw Diligence: (£SOD) Titis process Is
supported by Sector Guidelines aiid the use ohadegikate
data and kiformaton from Intersationally rocognized
ESG data platform 10 Identify potential amtainabllity
risks comprehenekely. Through these Sector Guldallne
Bank alm engouriges cusinmers to adopt sustainability
besi Practices. inttuding but not Umited to ontributng
to carbon amkzsiang redurtian plans dligned with tne Pars Agreement and Indonesa Second Nationally Determined
Contributian (SNDC)

A Tuli descripflon and disclosure of information
On environmental and social risks is presented in

Appendix Piltar Y and on Bank”s website.

136 M5 Sumainabilny Pepan
IT atik CIMB Niaga Tbk

Bank Strategy for Managing Environmentaoi Risk

PN VROKMENTA

1 Tea png temm comment to becpme an NE preanisaten by 2051)

2 Bank lak begin a7toolingg tt Knierridikorsal Frnanesst Raportang Starnarc (RS) Sustautgllty Diseeeur (SI) and

Gimnite rela Diidosure (52) ratna alias Oy the Inteniatonsi Sustilnelllly Standart Board OSSB). &
Weell z5 biodiverany related indra metan boga abyeknutisaahmymihase wsaluhrko mpasi lela
Indonesia this uan prinoples 1 PBSI aril S3 hurve besi betorited! Wrote Sustsinbbilty Distlirre Standards
(PSP Ie Ziseuedi bw Ie indonesian Institute aff Acbuntant JA

z "Bank bisa sanad 4 Suktarudility Serastike Seirtors Lst (peevcasslif Nobi 22 the Lisi td Serta with Hah
Sirtainabilty Res) by ksentilying sector potentky af feted by Gimnate honge. kidibding Amsitfture Fohistry
aamiin ian Pabermnpa SN are The docurreni Man prepare seenitifte meshags and
tefers to Interniltlionul (lterstire induding Ihi Intergoverienental Mane on Cllrtisiter Ora ita United

Kitors Fambewark. £ tar
& Bt hain rolonranuesi Ita Mio Dferestaten Wi Paid ad Mo Exist (MOPEY c2rrwnilrneri. gumrticadnetip Wi

AFDLLLIE segfat TH conirmnitmesil ia pefletadi Jmnang other ihsogit egidnantuesita hat tieney Lita clearing bas

anal on lesing the High Coresrvation Vabas (HOV) mpraethi pentililore on land coreeerulari In are Wenlifet

1 hivirig HOV 2200 bening bolity and pirehikitiirs on aitmtie thdi ocoerety uffect Worlii Heritizg sites ani

otbaer sites Inctesline but not rnttedi for

- Dika pesan ea obtika rLansi abes man jBbbIA dr naikin sgrlfecaines or Mgpalbames forlbed Combat
2nd or iieenta pepes Identitas Wih ts invofverenta those cemmuriit

5 nevorak and or intermatord protected saree meeting pet vonesyusi)bn areas sni Wet: when Raman
aa

& Timoesh ito Selvia List, Bari has tommitted not to finance

2 emut ons mining and csod-Hrnd stelarra power ilarits (PUTU) Hor sepiinalon On sesi brojotia as well
It us af te Mopritasn Tap Pemorat (MTA) Serasfien method it maning actints
Rt: resa cad Hudluke

6: Bini fest Intetim decrbonlestion tangsta Intake sein to be athisvei hy 2030. Furtfer inforesiiols on ts
tangeta he presented in Ih secilon Sectoril Intern Derarbanesitian Target: and Progres.

7 To edi tie Interini decarbohesation tutrgeti. Book Impkernenit the Net Zero Operutkinulketidin Progpartirtis
(122p) nasgor, Baik ncurpprata nanas #misiom Inesty rom fnaneed 2eclors me part ol Ie stainebitty
(orekleratone

8: Thrutgh Ike Sector Gukdeline Barik conimeuaay ari ad ahoodes debitor Io murmpie In mtor
alih 10 #onmendal or setia as, to sop best practice In Iheenerttara netudiies but net
irvated 16 apyilying prindple from tie Marire Stewotdahilp Cooheit tia Allan for Wife Sesvertiship arit othere

F3 Bank tes seserad Souupenta melia 0 mergy ang SHE nu Indoding:

&. Nut Zero SHG Operstkireisatiori Pelioy

F. Smert Spending Policy abah ptomotes responsehle-energs tonslempGpniki Bank aperatiote—
Carter rusuk meentarg anu Merhasulagg Proteaura tower Seopp Dami DEH emuana.
& Tehnik Hor Cekadatian of Sampe 1 Dabii 3 SHD Errilesiara

(0 Lark has Sentifind 5 Scope 3 GLS mean sownresand has mesurad 3 gf then head on ie Gres G5
(GHS) Protocdl

IT Bank he purthasesi carbon upits Argon the Indonesi: Carbon Bahenge (R(Carhonj and Femessle Energy

Certificatus (rar PUN to milisi risk arisirul Iker GHG emlesiona meneratud! by Balak» operdltidra.

IE Sanertenn Iis 0 Opal sakiti dikily Sitiirb ai aff bibuhversaty Indir care prntecte Mid ani

Sun arora (0 ihae International Umiori far Conaevation af Natare and Natural Remurgs (LGX).

Bmport

M3 Serzamabilay
PT Batik GM Niaga Trik

137

Bank's Strategy for Managing Social & Human Rights Risk

“Bkpang ang ix ba bara pai SO Dn MeNMuDNAy Pememerria Bap da menaati p
Cestain setines to apply Free Prier and bilarmned Cisnsemt (PPG) in Ukir corimusily social engakenent.

TE En Laki SAK lg Ke dar ira nd Gr ly
De pa Ta KAN Kap pa AN aa
Sa Pa Tap SA Ya LN See Sa or bedakan panen
Lap Bawleyed roma Hap bae tetn pemesan ush tulus

Sa aa pa Da Gapapa ia MAS ya opa aan m3

« Ea Be panahan
#uhite indluding but mat United to #rbesana mechurikers, oktupititrsl heslih and ilutv (GMS) polisi
mbikisupidn Ing Ag utiined with the prindples af the United Nafars Suidag Mine (UNS un

Busru und!
& Li bay dibakar Sp Iya pang Pesanan (CSR)
ar: Rank sests t3 tone terily etbeer periihee coriiutern Iron Its Gperaliorud 2etndies tes surrsundir
Pandan aooay ar anta

Enviminmergas ane soda reka face bay santo
Ane tar aries mag aris Inem amang other.
(ne cuiture af klas setiilies, peogrsobiesi Incotibn.

sagiply ohbin urti Kowe tnoterial predbtUon anpatta.
The rear cepecta coreidered ipcibde physard

trarafpam rhu relatesi lo dimata

Enwronmerdal ad soul ala may do arie -
Aram Inang achilles These Ine itle pretest:
api resks and trpaatts Irorn (he apeunding
Landetape an well kg msenent Of the dllent
Sudamebilty comenilbiartta police. peiformatica
Irak recuad and reputatua

138 Kenakan Dena

Bank's Approach and Strategy in Responding to Climate
Change Challenges and Opportunities ....- :

Cet Der IR Henydi Sana

Widespread financial Impocts (market iosses, credit tightening! feed
back Into the economy

BET MAMLMNLLON

Ehocrease In valus of acsete
Ne propeny)

Deciins in househotd
west

On financial conditlons

The worsening economic situation (decreasing demandi has an Impoct |

A full explanation of the definitions and aspects
of ciimate change-ralated risks is provided in

Ihe Climate Risk Disclosure section under the
Table of Risk Types and Impacts.

MS Sestainabiiey Heport
PT Batik MB Niaga Ttat

139

Delivering Climate Action Through Bank's Operations and

Strategy Percneanan Lang
The Bank has mteerated cimnate action Into NS reemanc. rek management ang business srategy, In line with
Its NZE 225 cammitment. The Banks approach to seyeral key focus areas including nak managamont Net Zero

strategy and:climate action ppportunites karesentoed in the figure beton,

140

Furthermare:to supportrnitigation ang adaptabon initiatives in response to climate risk arid tc achicve decarborisation
targeta) Bank allocates the nocewany retolircec 2 discoseti In the Sustainability Report Internal adjustments have
boen made to Integrate diihmate #Isk considesatlons Into the risk rminagement functiois iicluding stranathening the
Integrated and Glhsate fisk Unit throueh additlonal persannel. fulfiiment af data regulrements and capability bulding
Tre— memsur enawe that dimmote rich Initiatises are (mplemenged In line with applizabte best practkese-

KOS Semtaimabilny Repani
JT Rank CIMB Niaga Itik

Development of Sustainability Policies and Strategies

In ar

As a demopstration of support tor the sustamable finance vision, Bank develops policiss and procedures aijened with
its fhwe-sustamability pilars. Thus approach supparts the achjovemant af the Sustainable Developaveni Goals (SDG3)
the Paris Agreemuat Indonesia's contributior through the Second Mationally Determineri Lantribution (SNDC) and-the
printiptes of-s justtransition towardaa low-carbon sconomny. These fee piltars fotim th basis for the developrnaint
of Banks sustalnabil:y roadmiap to achlsve het Jero grocnhouss gas (GHG) amissions adross Sampe 12 and 3 by
2050 Ths roadmap Indudes framuworke. strategles and Implementation mechanisms to ensure the management
Of climate change rak and environmental socal and governahas (ESG) sks bath creslit and non-credit, Including
finandngand business relatonships

— , 4 sustainabie | Finance: rotiey ana! Sustainable
Sustainability Policy and Finance Procedure |
| Sustainability Procedure | The Sustainabile Fiiance Policy Formi thie basis Fori anting.
'palie, . ing De Pa sa po Ba pe |

Kate Mona medik tafentelan rar Hemat Mu
| MOP Se Pane gn domeengo mn Mod elang en BD re

M25 Sertamahiley keport 141
PT Batik GMBI Niaga Tbk

142

Sector Guidelines

Te Bank has crrentty publishad seven sector gulldoelines namety the Falm OiLSector Guidelines, Cnsi Sector Gaideline,
Construction and Infrastructure Sector Guidelines Forestry ane Natural Rubber Sertar Guldelinas Mamufartuting
Sector Suidelines. Mining and Guanying Socor Gundelines. and Oil and Gas Secor Guidelines Through these sector
gsidefines, (he Bank has estabtshed mialmum sustainability regulremenis and best-sestamability practices:

Soverat sertar gilidelines that Will Ie Updated In 2025 are Palm OIL Coal ang Oil and Gas.

“Palm Oil Sector Guidelines
“Bank reguares debtors In thl palm: of sertar to hold Beliung sok sg) Badi

Map ae anna ga Ta
De mn Sea Sa Pa mr botaa wp NI seakan 0 Sena

| at ea naat

KIS Sumamatilny Repari
UT Matik CIMB Niaga Tbik

Bank also encourages customers to (Omi Not to Undertaks new developiment Ih High Carbon Stock
Bra KE Da Dag Ta Pra OP ca Ya #naera

Sa San ag Ba Engape external FFB suppliers Iri NDPE policiee and comminente
havea grinvance mechanism 2nd (mpicment gobal best pracuices such azthe Reunatabis on Sustamabis.

“Bpk rvaffirmns Its tustalnibllry carmmnitment by nat prtviding financing to palm allcompanles invalyed
| kllinarei Una arie sana Jan SEsUn Sist seualelaui |
| faweand regulatons |

|Coal Sector Guidelines
“This policy apples to“customers Invdved Iin tool mining (hard coal Including thermal casl and Ugsite)!
itransportationl Contractor 1 power goneritan companies-ahd toat-Fred powor planta With'ari:
nona Ra peakin Denyen Dak measing at Vote: Jekka mart

j2 ji an sa Pi enureape apik Uap en Giant aa an akan
Aang triinsitisn plate With cefirct tipolnes.

Poiningndeetitaar ten mpnyntpamirg sedia estuonipe melayu 4

In ting with Its sustainability commnitrmsnt Bahk dope not provide Tinandiig far greentisid prolects ar axpansion
Of thermal coal niries ad coal-fired power plarita CIMB (ae-partot CIMB Group Which Ic 2 meniber of the:

Na Ppap Pan 3 AN Aa CARA aa GA Apa

nc of procores js prehitites far preentiela and 2x costing thermal coal mmines coal-fired pawer lam projecta ”

atgulsitians of thermal coil mine and or rasi Hred puwer plants rpansinn sf thermal tbal mines mepanson.
returbkhment and dr modification projects fdr coal-fired penver plants, prveniisld coal Infeestrurture prolects:
IN HAN ONE TG BW Ing pita SG Del IN Menara Fpi emosi. Dara) method

Pa teport
PT Batik GM Niaga Tik

2

143

144

Bad

Oil and Gas Sector Guidelines

Bank regulres debtors to. meet mAIMuM regulrements related tg #nwinoamental and sociat msk
managayent and @coupetional safety In acrordanca adth appllcabia taws and regulatinns Debtars
modurting traciion sri suppoting activites are renuired ta hee relevant environmental Gocurnints.
mujth a8 AMBAL or UKLUPL Bdeguate ehvconmental management plssis t0 Identity and! mitigate
environmental and social irnpacts srid implementatlan of cerupational health atid safety (OM5) policios.

In managing g001hous2g33 (CNG) mission dabitars whese main husingss activities Invakve eerraction
pf crude oll or natural gas ara roglikad ID manage and dicelose Sropr |and 2 GNG amjlssloris lanverkorks.
Mezmwhlle tor dehtars in other parts of tho yaluw chain such as manufacturing tradine traneponatiah
and othicr oil and pas supporting artivitibc GNG riparting and diselosure regllreniente aro applied

selectnsty:

Bank antourages Custornars to Strengihen matamabillty prortices acro— ek onmental, social and
BWemanc aapecte From an enyironmerital permpectivk clstorhers are @reourasad 39 rmohitor dn
mmenage GNG emissidha including Indireet Scope 3 emlesiane rai end-User grodutt Use Hovelop
Kredibs transitian plans algned With national targets and global dirnate comenitmants. taka steps td
reduca methang EmIsnga redura and cimunate restine veniing 2nd flanng and mmpiement giabal

on ain Thange Wironeantal an sae ah management ethical business: practices anti
Dut apettauha agen oasis ea ot ab bell yo

elevamt mtorrnaticry with referenca tc relkvant International mandar ant gudalines such an ino
Sie oran Fe prmon HO se meretn perak Pat Gran
Tonervotion Association OPIECA)

Bank reaffirms: Its commitment to responsibte tinantng Aa nia Ma api anak
Mena 19 busingS acivities that ane nat Ilignad Spplicahle tawa and #reulatione This
ima bra Ginny ana denim anime nemrala
abtharksod althoritiss and bikciness artivites that Violite national labour taws and regulanonz and
human rights Fukihormore Bahk Ic Slto hot permitted to provide how financing intended for prolects
related ta new Of bietas that rereved Final Investment Decision (FD) after 31 Docambar 207

Fur Guidance and Exdusion List

an be

Sertanakilty Report
UT Matik CIMB Niaga Tbk

Nct Zero GHG Emissions Operations Policy

B3 dirives

coinstridont ari artirulates strategles to achisye net

ro GNG emissikts by appiyi

£ cffective

toitrul measures setting mencuratilo targets and ptamatihg coriihuous Imgrovemerit

Maintaining Data
Integrity

Borik aeeka to collect seturata Buni GMG errikakana reportini Borik sngjiess third pilrtiwu

2 Grnprebenmae Gula gn Tepreparei macondanga ati to ndepanceniy seritv ifa
Seno | ank 2 GHG ejaan menopause stahetaruta, muter may andi Kmpleterean
Tita Iheilides kpotyingt tobrut dalinilone ot repocting vcoge am Barika GKG emkaloris reporting,
data ulet method uang beundar yrki cumsatani ang Independent wenfteatlop
Pebiatala reda Tartara cd Urrubhy #e77irasekc.arker, cd Bare #r-anges data redibility ang

termuhing upbropriata duta birbgrwnia bboli5z tau leter trisut
management and Intemui
Pem

GHG Emissians
Reduction Strotegy
Hierarchy

Offset

Asa List mesort Bani will actress unawadahle GH5 etnisalores thwouyfr
tar pilothaso df zsrboh redik- Iran verifed offer pnbiait—

Substitute

" anpesktesd tts mitiedelrgi Lt Klmnraer atvergep dlterrulliven

mean Bar apple at:
FitiyadAY Or tertai

at tanin
Werrinate SH6 EN

M25 Serrainabsiny Rmport
(PT Batak CIA lacya Tt 145

Inttenal Carbon Pricing
Bank apoties Intotnal Carbon Preing (ICP) to Incentvtes @heloht Operations and secelerata Banks
journey towards pet zero GHG semsslora for Stope 3 arit 2 by 20130.

Lee af (CP ic directed to supanet GMS #mlesibng redurtian throteh

Performance
Assessment ond
Incentives

Investment In
Sustainable Solutions

Energy Attribute
Certificates

Barak menepis HN rel ntar pmanhdina -
(ting) enissiora h only Oia met Of H3 meerilieharts

Semgestrate Banks commitment to: 2 To. aetras mmua carbon emiten, perncatariy
uaa Single | emptsaona Uinat are dilfitadt Lu drare, arud te
Kulatritute (oa oider dimata alot Dank strategkaally
The purposs af uang REM melar 2228 Votantary Carbon Credits (WCCA) an am mtegrat
& Supporting rentewyabili emengy develaprmetil pari Ul cormpeeherals sustakmaksihy uiratugy
Ie. Buleleng trust and creibilNy
solletiw acton Bar appnnadh 10 VCC3 mein
4 Froset selertian

& Foceori ie SDGs

Net Zero Operationalisation Programme to Deliver Climate
Action Ambitions sa...

Fallowng the establishment Of sectorai derarbonisatian targeta CIMB Niaga, as part of CIMB Group, mplamorted
the Nat Zero Operaficsalisstlan Programme (NZ9P) to Integrate cmate change and sustamabilty conaidaratians
into Bank? business activities. The prograrnrne is designed tc cnsuro the.offective delivery of Banks diimate action
targets and commitmenta NZOP isa long:term Initiative implemehted in phases through to 2030 acroce multiple
wark unit. with the ali of aligning Banks procesces. tools and ways af wolking with the achlevement of the 2030
Interim derarbonlenyian target Fromi.a governanze perspeciiva NZOP 5 minaged by the Sestalnabillty Unit with
metrsght through the Sustalnatsllity Governance Body. Te pregramme invalve both bbsine— and enabling unitsand
(5 siructured agung five wotkatneam as follawe

KIS Sesmainatilty Repari
146 UT Rank CIMB Niaga Tbik

Portfislies Suslebelirv Estatilah elsa rules arvd Lsrvta.at lte genrtdesiko lava te wrieblu #ffersiue #morllorire
Lprrenertialiretkan Strenyiten decisiammalii caplbiltis Dl the irarsaktloriat level wble brioritisihg
Crsit Landeren tiri camumeridal wabilltystid robisst ak management

Erafiss Workstreame

Entes Itendl capabilllis Muvuph trang Unprowe tolluboriban and pramote

Tara Dpcakleg Moda (TOM) sitounisbilty with dear icenthes

Dik ketkasknlisl Oeetiap a data System to sLgapami the cullectlon analyes ang mmonillring of cimate-retateti
Sa — Gali while euring seedatory cunpilance and sddressing stakeholder need

na —

NZOP Key
Strategies

Sustainability Dve Diligence Mechanism --

Sustanabillty Dur Dijgenca (SDD) has bzen tully Implemented In tbe- corporate banking segrment sinca 2030. with thc
scope expanded gradually each year to setectod sectars withirthe commutrtial bariking sagmerit. To support more
Corriprehensive sustainability risk assessment process in 2025 Bank dewoliped 3 com alitomatod SDD term. The
developinemt Weludes among bthers greenhouse gas (GHG) emissians dilculations and adjustments to minimum
sustaiability reguirermenta tar ttw palnt all soal and ol and gas sectare

“nancmnagna | 147

sDD
Implementation
Mechanism

SAR caneucted hy Campleting 3 risol gesitio— in the em entomated for Komp eNOmeantat

#cumernit soclal an pevernare (BESS) espeuia (reluting humum Mehta (hr eumple grievence tandlin
(reechanicra) | oeture relabat die (kielonsstatibh and bindhaersity). irnutesrelated risk (pohtesicast darat

SE pa Sela Mag Sm sr HS

The SOO cuteurre gunswales metairabilty reterraperidutkrs ari ras bae artormperiil toy ddlrye-bewng
Astion Plan An apjoneei Actidn Plan Iv Incoepoestett Into he credit agreeemesi and mnta ts fulfiltet hy
“D- SEA Or prosner tika Cebtar Ts W in prateti Ihe Banh and thie debiprfpropeetiaa debit Terang
repentiee rahta and keillestkans, Incliutiine IA ttm event ol Intim yelitud 10 seistaputility enifar
Oikrota chan The sesilihg rentrnttesidatkons abet Action Plan ee hiportes to tie REK Mataperent
Comrittes andi itu lak Meonearing Cormenittes

———-

movie Revan ara sonata periodicalky and on an 2d hoc bawa cepending ori the debitor dreumetares.
Where men-tompUlance with Un action Plan Is Menbifes Burk applles mmisgallor steps in secordaree will
#polakis procerure-abt tepliretnahta

8 Bank motibots and meulgates dil mua Action Plars Geribiitaily Im cojunctitors yelit tim aneudi trecit

Wnletid sidhvitiza Mz ri tesihe cresili ap meerakilallitp moruderdikana Detiklog ari tesaskl on tie

AL: tinancing Gecklane ane mus by the suthorited lime! holder ce credit approren in Line with nelekant
@ maan Eraelng propesatanghetutdad hy the Credit Dnit.

——

A an na
G- MasyosskaagliyUmansersabgs ii ia ulu deg
Welibterakke aus Ciireseriatan

2026 | 2gah 2023. . 2.2 2071

Target fit swaluating detitors using SDD with dirate changerelated adjustmente
Cotporiie su Comes Bening | korpatate Baring

Acirsement

Fult mptamentstian In corpecate banbing and (Full impterrentatop (0 carpecate banking rat | imptemersaton
One implementaltory In cormeruah barang Puhtesed (mjitermesttatian iri commmerulal bana tamara
Iinctudihg motor cxbpe iogaieior)

148 ME SI Ma"

Summary of ESDD Results and Sustainability Risk Cotegories In the Agricviture, Forestry,
Other Land Use, and Land-Use Change (AFOLULUC) Sectorss

Ta ra
Pi ka
Te Te

Tasea on Tm Mmter C7 peepotati Tuat Leataramera LAI are G7 CE,
“Npeluder Mecormmpnded win notes

Bank troolirages the Implementatian af wetsinahillty recommehcatianr thecugh artisa plane, Inelikins Indonesian
Sistamabie Palm Dil (SPO) and or Roundtabih on Sustamabie Paim Gil (RSPO) certifcatign tor palm oil sector
debtors. as wol as impravements in environmental performance ratings through the FESPER pragrammo. Tncer
acmngn plang are alpncd with Presidentlak Regutatian (Perpres) No: 15 ot 20125 on the Indonesian Sustammabte Palm Gil
(SPS) Certificatioo Systeru the GHS wmissibns reduction targeta under the Paris Agreement and Indonesias Second
Nationalty Determined Contritkition (SNDC).

Sustainability Risk Management -... 3

Strategy and support the delivery Of optimat performance The applicanon af governance principles. including the
foor-ryas approach. strengthons mansparenoy, in TSk managrment processes Risk managoment :5 embedded
Gperational acfivities argorvsatonal culture and day-ta-day decision-malong, supported by the three lines of-defonce
model, which covots the management of anviroamentaland social (sks across all leveis af the arganisation, framihe
Board ot Commnissibtters ai Doiird of Directots through to mandgrmontahd ompinyees To ensure compilante with
this Sustamiable Finante Polity Bank conducts Iternal audits and caritrol Effectmveness testing on a perlodic basis.
Ts tallaving table altlinet the tonls and miethodalogles used bi) Sank to mitigate ricks and cupport ks cimtainability

Makara | 149

150

«Bank reports financial cxpesure to settors

damar having Iepostalnebillty rak
TE Sada jt volneabiliy Bank fes Incurporbted o
PA Ar sa Lam “Inisial sustanabis Mndncng Sestaltability diemerslar int it-
3 metiala  PskalRk pertormarce Xiares oth the GSSIPS Risk Appetite Statrrrunt (RAS).
Iramewori is repurted es part ol the
dashboard toprovdiea comprehanaisa vi
ot dimats eetated Fekeang gpportuni—
“Bak eselopi ai HS Ih ebftakta ih bea "DP f5 somanluray
titi tyoe ol (ask Bank can-anif Is milling to ana ai
Nate in pursung (ts strategy and huge Ambar Iiress Into tie RAS
REK Appetite » Tomalyse and manitor sustslnebiity “ba Peri Dai GA
Statement Tranaiiar Hk Irnpatts. inelugang sirrate-relatasi rada Bea Ntah
(ras) th PAS 2 sipgoortakl bay less gsarnlitaha AA ek sa
.“ #ratrikes Sistainability High Rek Kaset anus erulyas dy atina tnsiricia
3 emua ieb satuan Mrestictas ha de ssaneitalfow
metrik
Peer (the Oimrate Ruh
Tirmate Scenario Traesiilon Fit and Peter to the Climate fnk Okclesure Chapter - kenaikan
2 : Chapter - CUkriste
Analysis Phipsital Risa Elitmile Sesurto Anulyals (CSA) Fs Keras ISA)
0 Bak anna the relakan diktiat
mapel Nk Bad Lama Sedia | sma ve
p Sen Trans FA at Suidelines set mumamuM sentamsbilty Sean Hua
bera 1 pa aah an aa ve 3 ah Pi
. prattite3or relawant Wntkusrlirtay Plan
tronsactian but not timited 20 tawes ama Irpdementan Actor
y Pemulatkria sar star pustals: poollilaia : Aa
« Purthier Getitlmn Ine SOD merhansntare ds are pedas in Allan 4
: prosidet in Pilar A Smeernine andi Fast. Koveemangk ani sh.
BNN 0 ? Bank h5 derla—d Ips
3 EKS emisulons Catepory
Saparma - ra
investment Telan Phikatid| —— Pefif ta PALI Sisllindbile Attioh and Plir 2 Pepe emang
(finannog Perscal Ras Ststoinatile Business baris sadar
partfatia) Indestry #eselopes hy Ihe
Iitebtor/ Pactierahip for Carbon
portfolio level) Arentnning Financisia (MEAF)
0 Furttar declomre pm

MS Sumainakilny Report
NT Matik CIMB Niaga Ttik

“Bak Uppls olleis to idestify dknale

sulpsiorting sets far periodik reporting “Bank repafis Ih Keulis al

Tksyessips ? The criteria tollow the Sistematis Business — perifala kentificatinn based on

Dane Acihdky Categories OOUBF uriti the Indonesian KMLIS “FHI brid TER penodicaliy

(dobtor/ Traraltion Riska Susah Anin Taohory ITB) te Me Fihandal Sea
: Pesat tp addilkan Bapk 155 the Aren Sacal, Authority (OM)

sesal Sustsirabilk Impact Products are Serulars « Biarik also denufie firurting

(GSSIPSI Iramewark for sesteinatte Sihangitg Weppel Wil tik GSSPS
tc sampart the strateey teman eat ae tramnevork gn an annual b-—.
emislon (M7E) 205

CIMB Niaga's Approach to Climate Risk Management

Climate change 2 ggnificant rek that cam affect Banks ability to create Long-term value. In response Bank itertifies,
asspsses and manages dimate Nick holistically through gualitatwe and guantitative analysis taking Into account
regulatong: stondarda, puidolines and best-prociices, Oirmate risk ta ovaluatod acroes releyant-scenarics and time:
horizons to understand transmission pathways arid impacts an operational and financial performance.

Climate Risk Management -... oo...

In 2075, through the Integrated and Climate Risk Unit Bank prepared a Climate Rkk Management Palioy The policy
aim to integrate cimate change coneiderations fate Banks rek management process are to camplement other
related polides. oncuring a holistic and consetant approach toidentifying 21an messunng ManAgIns MANItONNg:
and reporting ciimata risk, ncluding Its cross-acctor Impacts on other risk tupas-

MS Sertamabilay keport
PT Batik GMB Niaga Tbk

151

152

Management Policy Cilmote Risk

This policy streriitturs the Integration of cllmate raih curside-stiang Ino Banlis yovernance unt Cortri Hatteewerk. br Line site
@iplicobis lrws and regatatians, Intuisi

POR No (2023 on Implementation & Goerance for Commurpat Bia

POIK No 5YPOJK 63/2517 ori Skstalnable Finance

PSK Ne 18/POIK 03/2016 on Implementation of Risk Manaperment Idr Commerdal Banks

SEOW No 34) SEBIKD3/2016 on keiplerraintutian af Risk Muhugernet fibe Commercial Eariks
DIK Cllmute fish Management £ Somatis Anahsa (CRMS 2028) Gsideboola &

«
“

& SEDIM No M/SECIK P3/2075 on Implareentutian of & far Commercial Banks
“

£ Indonesian Green Tirconpmny / Indonesian Sestainaksle Firumes Taronarny

Hias TU GNnhard orernamakkdaknarika ini SekdNcay 3 ima jl Paaanf Heurne
Concafita. detinitibis and cro—-cultng Kature df dilrti Fak

Bank governance approach fo munaging dmetenke (ndudng (bs ralus ang mespanestlis af key stakeholders
Barikc rok apputite fto Ulerriate: tek

Tie ditmatu risk management process Iridludes the key tobta this Bank Usa to Identlly. 2-2. tnemeihe matage-cohtrol
meritor ang neport dimat riska

«fish Managererit Cummrilttes Oherter «fisik Manager Policy « Skatulnbbiliy Polloy

& Bkaridof Coriniiesione Chania & Hesd Office sn Bratich Opesatiorul 8 Sistainable Fisahes Pollov

0 Bosrdat Oinectoss Charter Managereent Polis » Ne Tera Geeentiowse G— (HS)
" Bloisesa Lantinuty Manayepent Emisuluns Dperalonat Pality

Pa MT

Ta support Integrated management. Bank strengthened its (isk management process and cantrals by #mbedding
climate risk Ino esisting rameworke Varats tools and merhodalogkes are appiled to Identihy, messure. montor and
repari tinate risk Induding CSA, 28 ummarsed imi the table balow

Ciirnate Risk Mapping 10 (dentify anti vsualae pokkets ol ik using Guantitativend ar dudlitatlWe
methoda Tor esiemple the percentage of credit Deposurs to carhan-interahe sertai

Risk Hotspot and Emerging Risk Assessments Io erabts sarfy Wuterikan ol emenjing or esalul
Ellrrsarteh Faks that sie diffiokt to erasseare-bull my hane 2 muleriil mpasi on Bank

Portfolio GHG Emissione Calculations tv menure its carbon footerint ut Sanks
Uniinting and INietrei ssota Wih resiilta ed 2 Hjiroky lor the selibrof tramailor Hak SNOrtsnngj to mesum Lara

Net Zero 2030 Target Alignment to measure alignment between Banks perfarmangesnd te Met

Sierbterm ti) kong-teran

Shoriterm

en ea Yaa MP Tesallta wasit as & pruxy for Irataltlon Psk ane reputatiural rah Shoe ta medibihea
Cilmiate Scenario Analysis (CSA) (0 svalste tlnute-irven Unpueta on credit Za pareriah
paraeleusita Guanlitathar er duslitathe rmethoda in" mliadsnba id

Sustainability Due Diligence (SDO) (si iscw— kereing after Ihe eeiot elimata riak sesotated
with Sanka customers mad transcibons and to ceselep an action plan for customer to mitlkstk Shert-term to longsterm
andi be atap tu Uurstu change mbere reyuirad

Sustainable Finance 10 implement Banks comenjinenis Uvoegh & etamable Fiesnee purttoko
and tramsilitm (mancing tuwanis 3 IbW-carton econerny. relarting 10 OM Sustatalilk Blenew,
aciniy Categories (KKUB) und Banyu Green Sodal Suntainatia liripatt Prodocta and Sera
NGSSIPS) Iramewark

Sector Appetite & Limit Methodology Io morissw Usriks saposure to eimale risk Ihrvuth 4
F Be AN

Operational Risk Management tv msnazs opesutionel risk Issue anissng (rom ptrpsal ape
Msitan (sk matt Shorttirm to medilrn tera

“Risk Appetite Dashboard 16 monitor Banks perfarmante agatat Ui defiledi Elirmate Riak Apputitie

Shprtstirm to mmedilrn- tera

eetrice ape (edfit It 1 Biker par ti) kong teran
Regulatory Disclesures tv prapire urid publlih disdlmsura In re with regullitbry kiguiremeta
anu politis (for 2uenpis OIK rekulationa CRMS TWER RAKI IFRS S2 shd PSPK 2) Shisri-barmn 10 long-term

Maak canaaa | 153

Bank defmes the short, medilirn- and long-torm tiine horions as set dut ln sie able below taking Into account the
timerames releyan! to the meeecrment of dimata rieks (CSA) and climate-related opportunffise

———————————— ee
teki

Short-term

». Bank dahnes the-3hort- medisrne and dong-term tina horjzons asset cutln the table
below, taking Intoaccount the timetrames retevant fo the assesamenit of climatensks
(ESA) and climatesratated oppartanitira

Madiun term
Foot (Ah tai ten (TO) yes to memaure the medilan-term Impact of dimate
Change Drer Sanga strategi planning harian

kongslarmn
More than ten (1D) years up to at art 30 years to Kapture tricertainty
and the structural Impacts of cbinate change On the econdrny and the

financial system.

Impacts of Climate Risk on Other Risk Types»...

Cimate chonge-retates risks ara complac and cvatving. with potential -cross-sertar Impacta. In response: Bank
prioritises strengthening understanding and devetoping comprehensive rnethodotogies. In line with Bank miatarial
topic pricritics: climate change has been designototias a priority area reoviting particular attention. givon its potential
to affoct other rick types. As part otits approach Bank has undertaken ah evaluation to-analyse how climato diange-
rulatod risks influence otitek cstegoriks of' Hei

154 015 Sermainakilny hepar
UT Batik CIMB Niaga Tik

|
:
:

sean Oma
« Policy bri legal ehaihges (caitbor unit prices, seztorul Urnitsj 0 Cheers
« Tedinglagial changes » kute
£ Thang n market seitimen

“ Reditet Gnainera ability 10 cepu. posengally resulting in detautp.
$ OrsUring collateral vabaes tas ts stramdeti aware that are not Jligrves willhi elirnsttar #ramelesar

Market Risk

Hagteer okay red potential con lirtes dp the valllas if securidles tnedid ty Barak.

f
!
E

Operational disrupikan arisiryg rom phbvlcal Pisa wtbehh rrusy best to ust menerus In adelithaset ria
tirta data regulatiana mey @nylire changes to Internal policies andi procedure (0 mernsin

stigned with regulatory reguinonenta.

|
1
i

$ Center Inability to spay credit Or financing tatilitex which may attect Banks cezh fine
“ Uirgestlle beposlt wittuirawils to fund capital eependilune in toastarttn tethnologies or 12
neoeer (rian darnagan cissed by wetrepas events.

E

“ Adveras meputatonat mpe araing troen Bank fieandng of han terbon-intersaty setia.
$ Redutari stakehalosr zonflesnc Banks swstamabilty eHorta and Is-atillity to manage pan
to dllrnotas plak

Less of cortipetiteene market ahane said Investor apiparal dlle to an dhlbility to traraltiar fien Li
trgwn Financing portlaba toa green financing portfolio.

Fiskal titipabon and Or legal wesknesees rising frarn dirpat-reated Lawa and regulator

Inadllity to campiy vath dirnote change ani metainabiy fmance-relaten lane and segatatinea

tempaired ability to guantify diimats rek #mpacts accursgely oke to mhesent uncertainty and
lintitavote in dlirnate risk: modellit, the assurmpions brt scenariws used Und muppropriate misa
Impjamantaban

E

Ineseguate tejital Jekels 10 withetgng ditnatenetatad Vists, afnkh aay teduee Banks abifity.to
ac lose meja publik con ldr and sport carmpetilive tafsir growth

Potential Impacts of Climate Risks, Management Sirategies

and Opportunities engan Tatan

long term Bank ale Identifies potential opportunbes-aring team clinate changrand outlines relevant management
Initiative The detinitions af short. medium and long termn are alaned with the tim horizane used for climate rek and

gpportumity asesemeni

MS Sertamabilay keport
PT Batik GMB Niaga Tbk

155

& Detarbunkation tarjeta sarat portfolla slarment:
Irnpterneriting Intetim 2etorat decirboresutibn
targete ine 2930

1 Pena yenpeda « Sovernaneeatd rak cikmate rak tnaraserteri
Ae tslrag policy enterpnea rek menda penaen, Seretaintabilay
R Insncing higiermbaiar shbrti TBK appetite and seteguartine pahcies. induring
na 1 z Financing restrit kare sligrnesi Wil tfte Engtuisian List
D00tutar kaca Setan Hn Bae Teen « Sustilnobie #nairibe mlutlors to support custorsat
sustainability efforts br 5 -
Pa Tes . trenggtPamvingi CustOrver am mwestor corner
ud through climate raik mancgemeni
Seralenganan » Cirnaterelated disclosures through Ine
Sustanebdily Report. maintaining 2Umate
@aclosune allpreai With IFRS S2 dr PSPKI
» Reouced tyetomer
Sa an, « Idirilifkatisti Biktiljih CA to 1030/20MULGSO US
opa leading aus potential mpacs ap Banks enpgaure
# ai . Camerering sercitirsabis (Iran sollillors for
sm Pesan berak jg nite with Wostlnebilky tari including
Carbon pricirig sya kamis mustangtla finanging dor bh power, cemunt, real.
messlatory change Pj: hedon eaats. W tan estate, dll ara pas ani palrn Gill sextas Ir Ike adit
Tomplanbesnud persit » lbih port tolio di Aa
Higher nikel Fil for Pe baa mad mera
Tarbon-intensive sectora
- « Merilloring market anersal aril wslng srenarid
analysis to test (reatket shock arid Mahtihy sectors
tong demang decline
anita: 2 Erusasine custurnara on bramalilan memilnaa
stan - - & lara cpat Lao bia: AN
Iee-tarbon ora iya ia Long: Term Pesen ons si
mergii presalier & Suppootihng test bonrker diheerakfkciatlesrn (coal arit all
and ga) anda psi tangan coltaborating ar
alis chaos for emarnjilu boy cuppnetiag dear dor
towturbon cerant
? Lesat ompsiitn
W unalile to support
custners terfmulogy “lengang tension patthways-into CSA
Tetnolagikad thames Irama kereta ? Supporting uatoyers' tetmulogy Ungrades
“ Ligsoy tethnologies bwough sustainable financing
hecorming ctseletz or
Strada
Pingaicak Risles | Tanam —
Lrpasity « in 5 ika fo 8 AA and serpasure mupping using SA resulieand
Hanana shorvs locitiotaneed bapesure kdunlifitatian lo neto
Derema eh ser se and Kepua patentiat tiguloity stress from trima 2venta
Kara Bk dn aan Term « Funding strategy manlterine funllng concentratlan
Foti Gedil 2g an tesertar and diverihjing funding munes

156 Pari nenikm

Managing Sustainability and Climate Risk Through the Risk
Appetite Dashboard Statement

Irr2024, Bank formulat

Ty RAS) foritne

por

tronsioting PAN

ang (rai of sustainability and cin

hucted

rview of thp

Ids are to be implemented in

ciimate risi

athisvemetit Of Banks

Intern

Mtartag

Committee (KI

Sector Appetit cand Limits

As partaf Integrating ci

and managing
Sustaihabillty Ove

irma

Anance Initiative (UNEP Al

process

M5 Sestamahilny

PT Barih GMB Niaga Thi

157

158

Building Internal Capability in Climate Scenario Analysis

Gank continwes to strengthen resilionce to dlimate nak. including by developing internal cepability in CSA across
piausible ciimate scomanes Thls:is undertaken progressisely to ensure Bank can 225055 -potential phvsical and
transmon (mpatts on the credit portfolio: while intagrating CSA results-lato riak management procreses- Lapability
development is not only orianted towards regulatary compiiance butalse towards strengihoning Ban's readIness tc
(etporid to long: totim clihnato dynarnics supported through Learning, collaboratibh andthe year-oti-ycar expansioin of

amafytical coverage diross soctars and credit segiments The following sumrnarises Banifs CSA capabillty development
Over time

KIS Sesmainatilty Repari
UT atik CIMB Niaga Tbk

Enhanced Climate Scenario Analysis Capabilities so

Bulliding an ciimate scenario analysis (CSA eepertetica froni tik 2053 proof of contept arad the 2024

DIK CAMS pilot. Bank made several Inprevemaohta In 2025 nelbiding:

" Scenaria Adiustment.
Bank appllad the DIK CAMS 2025 seenarins besod On tho Network far Greonina. th Fmandial System
INGFS) far CSA acroas both nomretait and retail agmonts

» Ekpanded Coverage
Bank mxpanded this aialytital scope by addlag sik new cortars to tho nowketall portfolio CSA
modellitg

: : .
Bank Inorgased the number Of representatve companies ksed as samples kn the CSA pricesa
Bank guantined the predit rak Impacts from CSA apross 10035 ot the credit portfolio.

Climate Scenario Analysis Governance

TA reguires strong collaboration 3cros: stakeholders In #15. Gank strengthoned Intomndl govemanza by clariying
The rales and responeibilittes af key business units and supporting fumctions under tho Climate Risk Management Palloy
The-governance arrangements far (SA implementatian below support rooreinatian, aversight and accountability

- ———— —— — -— ——

M5 Sentamahily keport
PT Batik GMB Niaga Ttik

159

Climate Scenario Analysis Framework and Process
In broad tone, Bank carries out CSA through a series af stages From data preparation thirdueh to sutimission of

For further detail on cach step undertaken, please refer to the Climate
Scenario Analysis Methodalopy Appendix.

Climate Scenario Analysis Implementation in Bank's Credit Portfolio
Following the estatiishment of the TSA methodotogical framework. Bank apptied (to tho crodit portfolio tonneess
potontiat climate risk impact. as outlined belas.

For details of the methodology applied by Bank in line with the OJK
CRMS Technical Guidance as well as Internal enhancements, please

refer to the Climate Scenario Analysis Methodology Appendix

NEO emang

Climate Scenarios

Sextor-iperifi and metoragoostik ruk parambters (rom DIK CRMS sconarlis benatal cry bur
Network tor Greening the Finandiat System (NGFS)-are integrated and transiated Into the key
ransition risk drivers Within Bana CSA moudts Bang then simulates CSA Ilmpacts ot th
performante andTinancial positian af cdobtors assessed Over the 30-year prolertion period
Furtheriinformatioiy ori the scenarios'Is avallabte in the Oimate Scenarlb Anatysis Methudotogy
Appendix

Climate Scenario Analysis Uncertainty and Limitations

CSA Ic sespntial In aceresing thai potergial Impacrs of and resilence to dditnate ricks. hut & remalng sisbjort to
urcerratnty. Understanding these Ilmitanone Is Important foe cetming ak management proceetes amid complex
roai-wortd chailange. More detalled daresan of modelling. data. and capital adegUa0y ceiculatian uncertaintgs and
limitations is prawided In tho Ciimate Scenarin Analysis Methndolagy Appendix

OJK Climate Risk Management and Scenario Analysis

1 Zaitneen Ima)

Irr2024, Bank partidpated for the firsrtime in the Ototitas Jasa Keuangan (DIK) pilot project for diimmate scanarib
analysis (CSA) to assess the impacts ot transition and physical risks using clinnate scenarios Ia line with: the OJK
Tirvatt Rich Mahagemonz and Scena'lo Analysis (CRMS) 2024 Terhnlcal Guidante In 2025 In Uno with regulatory
direction Bank expanded the CSA medalling sape 10 cover 190 af the portfolih. Induding both retail and non-retail
sepmtnte

Gank also plays an active role in dwlding Industry cepabillity and retining L3M5S methodologies by particpating in
OM focus group discussions co the dowtoprment of Indonesia policy scenarios and the Industry Wide Stress Test in
Woverriher-Decernber 2025,

Credit Exposure to Climate Risk-vulnerable Sectors oa isi

Bank has mapped the corkentration Of credit. meposure
areas business activities and econgmic sectgra that are
Viinerable to ciknate tension nakas Ines serta are
Idontihed based on the priarity sestar classihcation set out
Inthe DIK CRMS 2625 Tecbnical Gurdance, cnabling Bank to
urkterstand the Dusmess areas tmost Ukely to be affected
by regulatory changes technolegical devolapments sid
markot dynamits assocdisted with the traksiion toa low-
tarbun economy

M5 Sentamahily keport
PT Batik CIMB Niaga Ttik

161

162

3 #ibctridiy, Gas Stsarn/Hot Wil end Air Suppby
5 Trintportotion und Werehowsing

& Manulastyring/Procesaing Innlusiry.

Totat

rates
Katak cra recsura tor oya? ra-vulneabia sprei basag on Me 2025 teanoal sangwn pohon
" Share if Hredet sajisssmr hardifnati eb-villnnabii mnctara-m jiasat 0 far JL Siisscadi miibemeteta potitioti helaltnr tai BEA & Siotat kit

OJK CRMS 2025 Climate Scenario Analysis Results -i.
Ta uiderstand th potential Impact on portfolios that are Vulnerable to dilnsate trarisition riskc Bank conducted 3
cdlimatp menari analysis (CSA) af credit risk Ih line vdth the DIK CAMS 2025 Technical Guidanee. The analysis was
perfarmed tin portfolibe within the assessment scope and Illustrates thr Imparts under tho Net Zero 2059 erenarin
with the kistributlon af (esultsas follow

Traneenn 2nnga: 22k

Sector S6 2 under th Ox
1 Agpltoliine Forestny sriti Fizherisis
1 mung and Duarrying
A-teetritity. Gula Stedim/Mot Witer and Alr Supgily
4 Comatrettipn
5 Trinepontutibn und Witehawing

7. Produtilve Sictars otiier than Sertors 1 to 6

Based on the OX CRMS pnicess and results, Bank cantinues to sercngthan the Integratiba, managenient. and mitigatien
of zlimate nek under the Climate Risk Management Policy through ttk identification. 2sesmeni, mesurement
management. monitonng and reporting. As part of the dimate rsk managsment process. Bank has begun integrating:
Climate rak consideratians into other risk framework: IncudIng the setting of sector Umits far the non-etal andit
portfolio througita Sustainability Gvorlay Contentration monitoring of credit axposura to sectors that are vufnerabic
to clirnate rick Iealco condukted regularly through Rick Appetite reporting Further detalis aro grovided In thic
Gavelnarite andi Risk Managerunt pillar, under the sub-chapter Integrating Climate Change Cansiderstlans through
the Cibnate Risk Management Policy

In gomerai, the clinjate scmmatie anaiyas indicetes Ilmitat movement dye tc the canstraints af blmmate somarios
which tong to asrumea smooth innpiementation Of trapsiton terhnotogies and do not yet capture nan-dIMpar riska an
voetkas thor selidoce on internal data-swaflabikty and third-party modeta Farther discussan provides In tbar Cmnate:
Scenario Analysis Methadalogy appcodix

Looking ahead Bank Will continde tostrahgihen Its data Infrastructure. modelling and-analytical capabilities to deeperi

this Integration of tilmmate riak Into the hek management framework and ensure a mohe consistent and relevant CSA
piocese with the aim af delivering atided kalus to Bank business procweses and tisk management

JOS Semtamatalny Repari
JT Rank CIMB Niaga Itik

Retail Portfolio Transition Risk --- ya
In Uri& witih tire SIK CAMS 2025 technical gulldante, the pransition risk scope foe HBMI Sand & tizmks also appUes to tie
retail portfollo To ynossive the Impact of transition risk on the retail parifolin Bank applles a finaritial stress testing
methodotapy and madel where the primary dnwers are movement: In macresononik Indicators under the NGFS-
tnsed DIK CRMS scmmarios

Physical Risk
Bank perforing 9 ceporiste necesenwent IN arcordanto with the-ascumptbiis set Out In the CRMS 2024 terhinical
Buldance for physical cak. Bank appliss a bottonm-up approach to 2ssess wilidfire risk far the Agricutture. Farestny
and Fishories partfolio and Mood risk tar the contumner martgage portfollo The stages of Banks climate risk mmpact
Been xe St Out In the Climate Scenarla Analysis Methodoloey anylendhx

Hanya Tenan

Distribution of Credit Exposure by Collaterat Location 227x220
Far the physical tak mpact-asesament-as set cut In the OJK CRMS -2024 Techwicat Surdelines, the distribution
Of Banks collateral &-presented in the map Mustrabon dolow. The distribuban covers Banks credit portfolio witfi
Collateral locatori in areas ciacsifind as high risk under the Indonesian Disaster Risk Index (IRBI) for the two-sperified
Climate hararde

Floods

As Mustrated In the map helow., the concentratimn reflerts the consumer mortgags portfollo withit the Of CMS
2024 scope (high IRBI finod nak) relatten to the overall carsumer mortgsss portfolia, Inctuding omposurss putaide
high-risk areas As one Mitigatian measarn for fiood physical nsk. Bank ensures adeguate pravisionjng Levels

Ntra
The cad yrastaer (epoenznte Ihp Caeverilizaaan leyet ud (ratiit sepasura Ne aren ine (edar #i ego tp ceoweriasan

M25 Sertamahiley keport
PT Batik GMBI Niaga That

163

164

Wildfiros

As Uktratot in the viap bolow eeprsure to waldfiro phyelcal rek Is reftected by tho geoeraphicdleeribution af collateral
tecations far Banka produrtng edit in the Agnadture Foreciry and Fsihoties setor vethm the OK CRMS 21724
scope (high (BI wiidfre risk) This concentration 1s presented as 3 share af the total cottatorsi value far productive
credit In the Agriculture Forestry, and Pishenessartar,

Tio codnuli gradent rere—onts tim toindentiistksm levil af crodit enpevesiri- Mur idr thue Colomot. tnd hugpoe tiim tcirndertiistkam

As part of sffarts to ctrongthen understanding anti Integratian ot dlimate risk within Bank ths Intesrated & Clinate
Risk Unit canducred 3 sadialisation sesalun on the resits af the 2125 cdlmate eenario analysis (CSA) with the businrss
tmits and Sustamabillty tc ommumcate scenario-tased trameition neks retated to FV2024 credit mepesure. In addition
Semar bred opportunity catmatns dertyed from the 22175 ISA outputs were alba dacweed to align cfmmate tisk
considerations with oppartunity Identification

Ethical Business

Asa referpnco for professional condoct. Bank applles
this Code of Ethits aldi Code of Condet Policy No
AG7I1 to all CIMB Ninga emplayers to ensure the
performanae af dutks uphotde Integrity A full
descmption at the polloy 5 presented Ih the 2025
Armusi Report

MIS Suramatilty Report
NT atik CIMB Niaga Tbk

Anti-Fraud aon — un

Bank mpleinents an AnttFraud Policy as pari of Its Internal control system to bulld 3 culture cf compilance arid!
strongihien awareness af the risk of fraud and its potential mparts In arcordance with Financal Services Auttssirity
Regulatan (POJK) No. 12 of 2124 an tne-Implementation of Anti-Fraud Strategies for Financial Services Institutlors
Bank has cetabilshed 2 dedicated unit to manage fraud, the Anti-Froud Managemen (AFM) Unit. tg Impisment Sank's
anti-fraud strategy campmhensivsiy The senmegy covers four main pillarz preventian. detection, Inveengatian ang
traud monitoring, In addition, Bank subnnits 3 repartan tbo Imptementation of fs-antkfraud strategy to DIK cuery
Semester through APOLO (DIK Online Reporting Application). in line watti the POIK reguirerneats To foster anintegrity-
driver and -ariti-#fraud culture Bank appiles-d rere-toltirahte spproathi to fraod Arcordingly all perpetrators of fraud
ara subject to Hery acekon Witholit exception Inctuding criminal proseciman.

Bank enforces Its anti-froud commitment through cewaral atfores:
» Deweloping an AntEraud Polloy in Ime with PSIK Ng 12 Of 2024 on the Implementation of Anti Fraud
Strategies for Financial Services Instititona,
Haa Sa tea JA Boh tum an jua bajihbisne hias mesh abal
Sharia Superveary Board. and Board af Cammesioners, end publiatian an 1he CIMO Niaga weliata
» Attestation of the Intaerity Pact and Code of Ethiks by all #mployers throveh the ARJUNA platform, mcluding
the Garing af IT Intagrity Pact Dectaratian and Caite at Ethits by outmurced empinyes
“Tone from tk Top" commitment: rufleciing lesdeeehip's conymlincnt to tak Firm acciin aparat all farma
Ot Iraud, or Zero Tolsrahce to Fraud Includipa meeagjag Ih mandatany tralnihg and Anti-frauo Awneonees
sodnlsatian delivered by the AntFraud Managomiet Lnit Ih cdllabaratian wirh dther relevan tita

“ AniHtrabd awareness sedalsatian for pmployezs throlgh 3 speal-up culture. mandatory train. sharing
s2—one or birines lesipihje sestintes e-Inarming ind Internal cortrnunications such at emall hlaste Internal
billistine and posters.
" Anti-fralid awareness sorialicaribn for uttombrs via sadial rnedia Wharsapp SMS amal accooit reports df
billing statements. and screen displitys on e-chandets (ATM CDM, CRM UCTO Apah as weli asi Cali Centre 1VR,
Inctuding website charihils at cessible'to the pubik

“To makk Interriational Anti-Corruptlon Kay ori 9 Setember, Bari: held Anti Fraud. Brlbary & Toruptan
Carngaign Weeks Over two weeks (8-19 December 2025) daily email biats were sent to Bli eimplbyees
Containing Mesciges aki senior mandgimant comeniftmenis an anti fralid beibery/and carruptionalongsitio
shoct reiretiicrs io reinfored pmpiloyaes Understanding af fraud: bribery-and carupan

“M2028 Bank hold ari Anti-Fralid Avarenase Webinar for Bank partner venciors uihdbr tho theme "A Culture
Of Business Integrity” The ptograhime almied Ito stneagiheh uhdirstandihg Of antitraud regilrermants
1hat vendoec must compiy with As partias working with Bank, sendors aro also mepacted to support fraud
prevuntinn effort and upholia spvaksup culture nctuding repertng If they Find hear or becompaware of
any Bank party angaging in framd. brtibery. Of corruption- and boderstanding the conseguences for vendars
munlvedin supporbng: or comroding such act
» Socalsatinn ot POIK Ng 28. of 2024 on the Management of Perpetrators Track Record Informatan mrough
tbo Informatap Syam tar Perpetnatora inthe Finanoal Services Sector,

Based on the cvaluaton condurted by the Anti-Fraud Manazrment (AFM) Unit on fraod and sarruption prevention.
during 2025 there veera ID fraud case with tour ampunts ceceeding Rp1CO million per cana

166

Fraud Detection

Fraud detection Ica Vey piliar of the Ant-Fraud Strategy. aimad at identifying and derecting Indications af mi-ondbci
at an carty stage before thoy result Ih greoter impact. Bank applizs vartoa detection mechoniama, Induding an
ingependentty managed whistleblowng syatom (WES), surprise audis hy the Internal Adit Unit (SKAI), the Rick
Controi Lir (RC, ar AEM, and thiuse of supoilance-nystems such 25 CCTV, transacton audit trada, and myatery
shopperc These mechanisrns are designed to ensure that any Indicator of 2 braacit can be rmonitored, traced. and
2vatunteri ohjectively without interference from interested parties: Irracditiba. soch unit Is reguired to implement
adeguste intornal centrole ranging trom cupernvisida dial control atif recondillatidns to rahdorn cherks. to detect
potential fraud Iri day:to-day operational prokdsses.

The bank has mplemented varidus fraud detection Stem that cover the entire ovcie Of customer activine,
from Iho argulsitian process to Wankactiana 25 Vetil 25 network security to comply with regulationa and mitigate
maks offectivety Through FOS tnstinct. the Baik manitors credit card aeguisitiona persona Icane morigages ang
merchanta Thp Predator syatem Fa used to monitor credit card, debit card. and merchant transastions. In addition,
Actimie Retail moniors transactions orthe OCTD App. while Actirnize Enterprise 5 used to reonitar activity on
BixChannel arid OCTO Biz-In line with Its-corntrnont to improving security Ih 2025. the Frabd' Management Work
Unit will continue to make continuous Improvements by optamizing machine Learning capabilites and updatitg the
Fraud Detertian Syatern to the latest wersian to enture mote proattvs and serurate fraud detection and preventan

Tirough this combination Of deterton mechanngana Sank Seks to mneure that tigh-rak activities are idontihied aa
eariy as pasibie ca that carrective actiana INveSTIFItIONS Ar MITIPANON MENSUTES AN de (mplemented pramptiy
Bank also strengthans its apeak-up culture to encouraga cmpiayses to-play an active rate (In reporting Indications af.
traud without fear, as Bank safeguards whostiebiowera Through a comprehensivo and layered detection approach. tbc:
affoctivenessof fraud risk controts can be improvedand potontial tosses for Bank and customars can be minrrised.

Employee Anti-traud Aworeness Training Bernaraan

Anti Fraud Awatenesa Training Inrough Mandatory Training. 1325 207
Jnforemutkan Sesurlhy Awareness Fralla 15 1871

Anti-Bribery and Corruption Policy ss omi

Throbgh ttur Anti-ribery and Coruptian Palicy Bank affirms that bribery and sorruptian are zatesorised as farm
Of frakd and that the policy applios to ali Bank persanneL Inctuding the Board af Commisloners, Sharia Superwenny
Eibard. ang Independent Comenittess. To mitigate thece take Sank implemenis venus zontrot mezhanisn and
eerternal. commynications particalarty for third papties warking with Bank. Bnbery and conruption risk assessments are
conducted penodically, both monthly and annualty, with annual 2ssesamenIs canjed out by each unit and ampored
by the Risk Contral Unit (RC) or the Diesignated Compliance and Risk Officer (DCGRO) These asseesments cover risk
Identification mutigation measures. and th tisk level within cach-unit The results are updated cacii year.

Banks corrnitment to preveniting bribery and corrubtion :S also reftected Ih the attalameit of SNI ISO 37001 Anti-

Brihery Management Syatem certifiratian by the Strategic Procurerjent and Admin Property Management (SPAPM)
Sub-Directorate since 2172

KOS Sermainatalty
Pinkan emosi on

Grievance MechanisSM ».—. oi...

Bank implemesitsa wbistisblbWing system (WBS) guded by PGK No 12 of 2024 on thie Implemmentatisri of Ant-Eroud
Stratogles for Finoncial Services Institutione Bank maintainz an ongolng partnership with a thu'd party (Delottte) ta
manage whatleblowing reparts In a proteeiunal and Independent marmer, prloritsing 3 hen-retallabon prindple
Tam pertnarship & sapoctad 10 minurage more partira bath Internal and 2xtornal. to sutimit reporta moretretiyand
contidentiy withput hesitanon.

Money
Laundering or
Insider trading

Discrimination
or Horassment

Corruptian or
Bribery

Customer

Conflicts of
Intoresi

Data Privacy

Whistleblowing Reports Handling and Volume

Tnrougtrthe WBS. reportabie viotations include fraud: money taundering: and breaches af:the Code of Etis or

Human Capital policiss: Enchi report recokad is reviowed and anaiysed by the Whistlebloiving Officer in-accohdonee

withi thie appUcable whisrisbtowihg handling procadures as followe

« For reporte that are valid and supparted by iciont data and Information. the report Is torwarded tar further
tevicw by. the Investigation team. The Invesilgatian outcome. whether cubstantinted or uncukstantisted
Suberitted td the Wnletlehlowing Gificer and then communicated to the repurter after whlah the report status Is
dosed.

« Far reparts that are mvaiid or where the data and Information pravided by the reporter are insufficient. the raport
jedased,

« For reports thatare not rdevantarfall outside the-scope of the WBS, tno Whistleblowing Officer forwards the
teportto this retevat party dr uhit For tollow-up action.

MS Sertamabilry keport
PT Batik GM Niaga Tt

167

168

(adifitional information is reguired and tht reporter provides their identity and a telophone number or email
address the OMB Nixga Whistleblowing Officer contacts the reporter directly to obtain this reguired Information,
Hovover, (Fine reporter does not promide identity or Zontact dotalla the regusat far additional Information &
conveyed throueh the third party Reporters who provide contart details recolve updates an thp report status which
may Induda:

« The report is diommed invalid and temporarily closed

« The report remains under Investigation.

«The report has been coricluded. with the catcon cubstantisted OF Ungubstantiated.

Trs number af compibints rereIvad through the whistlebloing syatern tnroushout 2025 amaunted to 755 reparta
at Whirh only TB were related to Frand/WRAAML. Tt remmaining G27 report were forwarded 10 the resjertive
reloyant partirs far separate fallon-up, Of the 128 teporta 675 (86 reportai could proceed to mmvestigntian resulting
in 51, valid report 4 pnvalid reports and 21 reports still under review, Tnere are 13 reports Still awaiting additional
data/mtarmatian from 152 Whisticblower Furtber Inferrsatian on the handiinz mechaniam far reported viotations is
presanted in the 2025 Annual Repart

|

——

REM/HR/AML WB Reports

2 PPOVEN Wi Repbrts

Ih UKPATNER WB Reparts
KEM/HR/AML WB Reports in Progress (Open)

8 (incier pagoing Invesifpstkan

bt. Pendiri dia to data fnforrriatiori corngietmes

Pecentage at AFM/HR/AML 8YB reparts that have been invesingates
Ulik af the tika valid etfuplilitits Par tenvesllsatibr (us cf Us end cit Yatea Peta
Decembet)

#

ng

la

bt

rlsls
alta lala aan
F

Ir
ws

.

Taxation

Approach to Taxation ——u

BMB- Niaga In committed to-coodurting Its husinees Kespensitiy bv fulfilling tax ablgatinos (na transparcat and
aecountable mannor, n-accardance with applicabte tax laws and ragulationa. The tax policy 15 formatatod with
due consideratiorrof BankS business strategy and the-needs af.relevontunts. The Tax Management Unit manages
Implernentaton under the overcight'of the Director of Strategy & Finance Revitws are conducted perloditally as
regulred, particularly when regulations chahge ai where transactian charocteristits regiilre further tar analysis In
practice Bank does not use spesifir tar Incontivps Bank applies transfer priring arransoments for transactione with
related partles In secordance wath tg proviskana Of the Incar Tax Law.

KOS Sermainatalty
Pinkan emosi on

Tax Governance, Control and Risk Management »5—

Thb Directar of Strategy & Finance is the exgciitive remponsible fo canpilisnos with tax policy and th6 tax approach The
tax approdch Is embedded acress thw Organlsatian through Standard Operating Procedures (SOPS) peeparad by the
Tax Management Unitand relevant unta supportod by the lesuance of tax-related memes. Intrenal Kammunicatians

Tar riska are Kennihed, managed. and mantored regulanty In esponsc To regulatory changes affecting business
actiitics and operaticns including provalling pradfices In the banking Industry This is foitowed by Impactassassments
and risk Indnngermionit for Implementation. Inctuding uncertaln tax positians. Bank sate its tin ricicappotite' ne tik
niutral Incluiing cptimisia tasation within tho legal ramewark. avoiding agsrersiye or spiculstNe approaches. arid
minitnising the potential far disputes with thi tax authority, All tax derisiong ane hand on applicahis tav Laws and
regulatons and are defenalhle Ih the event of a tax andit Or dispute.

Evaluomon ot compllance with tax governance and contrals Is canrind Out through angoing Oversiehi by the Tax
Management Uni: donuat Internal 2odita. and cominaticas dv the tax authorty, Reporting-of sunpectod teperelatod
vialations fnilows Banks grievanos-mecharism through the applicante Whistleblowing System (WBS)

Stakeholder Engagement & Issue Management

Bank meintairs a proteeslonal relationship with the tancauthority theough a cooperative complantr approach ersuring
full comptance with dl tax obligatlons Ih xcoordante with applicabie Laws and regulanoae The Government, through
The 12x 3uthority, ts Banks key stakeholder In relation to tmertion Bank & not involved Im public policy advocary m the
fela-of taxatian ar other effarts to infiuence the authonty 5 derisipns.

Iremanaging tax disputes. dorisione regarding handling steps and further tegal actions take into accountinternal indut.
particutariy From thio Board of Dirbetote to einglire allgnmont with Banics strategy and governance

Tax Paymenfts -—.

Bank San Indonesian legal anitity registored 35 3 Tangayor with tng Diretterate General of Tana Bank mperates solid
in Indonesia, tnerefore. all. af its taw reporting and obligatians are camied out In aocordanee with Indonesan tax taws In
Z125, Bank (Bank only) recorded 2 profit before tax at RpB:575 billlan. The totok tax payments far Ihe-penod tanyary-
December 2025. exdurfing Regional Taxes and Empioyee Incorne Tax ambunted to Rp4258 billlan

Makanan | 169

Advocacy and
Stakeholder Engagement /

“8

.—
je —

170 | 225 Setinatity tepori MNNNNNNNN
Manafik

CIMB Naga conducts stakoholder mapping
and cngogerment ana regular basis as-part
Of ts commutment-to-ensikre Iiat operational
artiviies nemain algned: With relevant
sustsihabilty lssues This process alms to
understand tie material Impscis at Banks
Operational acrivitise-arki capture stakeholders
pedas at Bmks sustainatility
performance.

Engapement-is caricd out-through vanous
Corrirmahitatio mechahisms that are active
tranaparent. and  coltabarative Through this
approach Bank santinuss to strengthen Its
environmaral cotial and governance (ES)
performance. Constructie dialopue with stakehotders enaties Bank ta maka positWe centributlan to the community
and the ensitamment. while ato supporting sugainadle econome performance

Identification of Stakeholder Needs and Approach...

ASI EA1 SL1 At

Gal can xices, btanetara L #nhonce setiirity of
T. Security of banbirg, financial Pore taring, web snclak banking Bata anti
Irancattans treeelle Facebook dnetugram. At Uli Heri frersacars
2 Suklalissuan ari kormatian YobTube Laikesin, TikToicang 2 Pecelve uktom
on products and mic Xx tompaints any
3 Banking facilitkes and caseat atur Sila us 2 aa Rrnvanca
ata and internal trvwys Once a yes hy Bank 3 Wenuliy custome:
A Resolution testomer 5 Satisfaction andreas for
tenan
complnnts In secordame, — Sitetal asmsamerit Ore a year by san sunya Pemai
walihi Ubas servitu levet Gatra sehetanton Provider taanblns Pinarselal
agreement Sia) Informasion Iroei It wabuta TE es Semata melimed to
ad Irontisers — barking product

M5 Sertamabitey Rmport 171
PT Ratih GMBI Niaga Itik

172

Pe sad Nai

1 Detibery erud upedataa pes Sungai jari rar firtarsekal «1 Pedarmuns report Dust
performance Indesine suitainetlity esuas and 0 Analyst mesfinga — 1 Comemunnata
petemang Sarik

2 Signifkasit tompany acbutissant renta lan mompis Public empose Aklsztoresawear  berformewe
ESA aktvltkaa 2 Reeri

3 tie of Bank profit Pilek Ha Inserordanesatth“ yearend

&, Dotermikaton ol selaties or handraria. bonus and Erhanpe ND) PD repulationa perlimunce
Other hesefits Ine ita Board at Cemmasahera Sogeitul — Tnyrem
Direttora soet Shuris Superusary Desi - uk Mesatirng tt SMS

5. Rppointrnent of 2 Peblc Arcounpng Fin

Sharebotders (GM)

Altsasi pnceayenn — meulutkann

Sutimesjan ol Butik Busiresa Plan
(R26) ang Its resdkation to the Financial Teceaver
1 sdthi arm ati Senees Aokhetehiy (OKI 1. Irsbtirevi posrva lara
Salat PE 13 F K sehati In
2 Pnliferitikk potiroehote— rs Siaran Of Swktanable Finange ARA Ate 3 year adicoidinoe vit Libra
burjking oparatiars und Plis RAHII 45 DIK pub yan
berricis (corwendonal eri Fengrting on Starju semau: Inpets 2 iforen ne level df
na to tite Aatiorut Shursa Cobiracll sempliance wil Shharia
3 Sussndbie finunee In nnana Yth pendipla
Otmer reporting tu repstaturuim UK reyulationa
sccurdarite weitts ottilable rewulrertmrtis

arora ore Bm L ons impteientitisri
L Derupiikisid hestih sad DU, — 1 Wierieser Ibereis 2 Sorialksation Of kitinur
zafety (DKS) Internal mua (Galeri Nawa Hfinfo formalin jan relatasi polleles ini
2 Engine rights #iartasl Dikital Porteati Cena rates
3. Egusality dheraity and LOG HR Obat Bot Npdzast, Anuna z2 - mantan 3 Hurnan vigifitis
career Uesetaprnerit apolicstion) Mheneser iheraa —implemertatiun in
apperturitiez Pala hang #noloymest zelsikura
A Peonatitamt process Yoon ta A lentify employee
5 Bank perfolrmarits update Interral Uestomer Setistaktion eta and oren
BA valtaklesmd anak Sur (CSS) ! Aa pn
Wotkihe mperiren petalen develop
7 Bark Ba and aulia Employee Seulmunt Survey Anmuaily fotlowup pns Integrated
Morreerty known as the Organstian dn corporate ooslijers for
Hedi Inda or tiki) Inpromenit

XO)S Sesrtamatilny Repan
IT Rank CIMB Niaga Tbk

Topi

1 Correnbnlty srmp4mermersi Omnusslan with bersfkaies

1 Cundirted during pruyrarture
Retatian impbementation dad 1 Provide solutoes. ya

1 Peogramuna empati fo Mertifiga ami discuskir witti manitsring keslles (hat arise
benefigjarie Gaeenment. fpundatrana. pr BAG heri the sanurgen 3 Condudt felti veitsto

Aam Indliding arsilLanta 2x ummi meesaei that mmeocis tm be bemeticarny Cemal
Jacat communitra Seslopaeni partnera corturuincatai
tocal resetanta lecal 6- "4 yA
onnunie MKABEMALS:—Dirodiiing Sersitack ar Harih pengerasan Sie Tunai V,
pecoles arai vdneriie)— Sadis Mestaatsify repori ATU pepprt ki jai tan teneoad
aftups receved

z3

Sepphers
LT Engazement Method — |

L Mutuslly terreticiad pelatktowmhips vote I

alipoilera Sedaksatian of pil Dana utiors yan
2 Fair ang trensparent procurement at angaustamatifitvated Al lesut onoe ag ynar at ea h

Sada ang ayla capucity bilaleting da maa tar
3. Sustainabte sugplv dholn preetices

kaboer Union
Topi Aap! Approach Fregienoy Bani Follow-ut

1 Bank polis reparibong LA dll tina aa masi .

2mpioyee management 212025 mesti Mean Indistridi relutlors.

ID benapen culerul Ms ifa Laura
Unian as the employee

0tI1 kans Libocstar (tallar
were beli Ahinoughh than

and Input From tee Labbur Union

2 Lany get Cammunikatimn

repesenlutive oremniudltan Biprartitu Croperallcr
Bifnuseriat relations kettctonsiptihs oo Peres ntar at
PA € Metagand apl 4 Agophy ftorrntol laris Iriforrmuat
A, Mepotistian of the Callective asian and tokfbusup y ar ,
Labolir Agreerrenit (ULA) Irorn the negetiatamul— SPMaKunang Ma Sa
5.Input tom Labaur Walan tar Collerite Lahitiur woperatlan Era eteaean
ni krbasi na PRIA far Undanio Geote Sebar
Paicowebartnk anita dad tis ZO2A ti 2016 Haa —
Baris rights ang Olillgatarn pera
-

Senzanabilay kmport
PT Batik GMBI Niaga Tbk

173

174

Developing Professional Employees —........

CIMB Niaga bolrves that structured and sustainabis
talant managementisakey factorin maintalning business
cantinuty and Improving productivity performance and
competahenes In line with this bellet, Bank peloritt—s
Succesman planning acrosa all Srategic fundtiors n
accordance with the applicable Talent Managemont and
Succsasan Planning Policy

Bank continurs to develop a learning architoectare to
support sustainable growth. which canasts al four core
pillare which are Businces & Credit Digital and Opwrations
Siric and Lemning Support This structure sprves as
the fouhsation for various talem devalepment Intiatres
alianed with busimes needs and Ggtal transtermatian,

Bank managos & range ot training Intiatves to
anhantco ampioyoe competencdies akross afi function
while atcb 'providing Structured talent develapmont
ttirough development programmnes and afyirentesiiip
programmes The development programmes forus
an developing Relanonshp Managurs (RMS) acrces
vafous Sgments. sudh 3s Emeranng Blsmes Banking
(E5B). Cammercial Banking and Mortgaee. Meanwnile.
apprenticeship programmes:provide opportunities tar
young talont-to contiibuteacross diveras areas from
Information technology roles (cuch as developers IT
testing and akalystsj 16 business support tunctibiis
Such as recrultrnemt as well as froraliner roles sin as
Cuntorner Service and Tell

In adiiticn, Bank continues to strengthnen #5 learning
arrhitectore to build future capabilities through varidus
technalogy progammes, such.as Compact Digitat
Leaderstup Developmentand Digital Datatipska WS Reskill
Learning Pathway! These pirogramrmnes are delivered
usihs Innovative approatties Incildiag inimersion
programmes action project Coaching and mentering
and blendesi cdmsrpama. making leaeming more relevan.
ang Impsctful

KIS Sumamatilny Report
UT Rank CIMB Niaga Tbik

In line with thecs devalopintahts Bank focuses oi
stronathoning business arid rice tompetsndes
through Initatves such ac Syarah Cergfication
Wealth Acaderny and. retail, sector development. Bank
ako strengihoned the mmpabiliies of Its Relationship
Managers through a mara structured senes of training
and upskilling Iniiatwes- Dne-of these irvtjatives ls-tho
One AM Program 3 training program designed tc eguip
RMS with 2 comprehensise understanding of the divdrea
mods af different custarner personas Through this
progaorn RMS ate nd longer trdined salely based on
product type ot —gmont Iprofored mortgaze. and
EBD). Inctead they are gulded to deliver more Integrated
services and solutions that alan th mxh customers
profile and charartenstics. In addition, Bank has Credit
Acaderny anda Senace Sxcellence-programmeio ensure
tie best sesvite guality and not bersutelysales-orented

Ta suppart digital transfarmarian | Bank Integrates
tangnine channel within the ARJUNA ar HyLearn sy em,
anabling employees to acces ting easily starting
tramn regamration through to oertification Laming
Integration acreszed through Hyiearn In ARJUNA Is

Integrated distal leaming coerihg the Learning Hub
the Knowledge Managemunt System (KMS) and Learalng
on rhie Go: (LOG4). LOG« ipa devclcpment af Leaming on
the Go with the additian of Learning Experience Platform
(LXP) featuros-

Sank has also developed new LOG modules nameiy
Tramsaction Banikirig Arceptable Use Policy (AP) and
Forwarti30 and has more than 2000 learning modules
dcrnee various tnples including mrandatary certificatlane
digital and data and payment systems Within the LXP.
there are varipus features that facllitate Learning. aeh
an akillbosed henchmarka Uvetsaming avenis Al
simujatare certification preparation and seffscheduled
training Currontiy more than 2A1OOD pivces of content
dire avallabte includiig more than 209.000 modules and
ISOOT e-books This content has been zereserd by mur
than MNOOO employe—, with an adaption rate of IG

In 2025 Bank enhanced (earning by Integrating artificial
Intetikganca (AI) into a virtual reality (VR) module ca Bank
Guaranter, bringing the total VR Icarning modules and
sub-modules to 25 Tnnse cover. among others. handling:
customer comeiaknts: account apaning: fire respance,
robbery prevention and others. This new: Iritative can
enhance the icarnihg experionce by crgating 3 more
reallatit and personalised icarning Envitcameht. whbire
particIpante tan interatt With Al that simulates real-lite
human interaction

Vh-bawd learning Was undertakan by more than 54.305
Irarners through VR Comnors and VR donices acrogs 325
bramchrs tnroughout Indonesia. Bank currantiy has TER
Corners located in jakarta Bogor. Bandung: Surabaya.
Somatarig: Malang and Makascat. This VR Ieatning
nnoyation received the "Best Use cf Ar award from the
HCM Brandon Hall Excellence Award. recogrising Bank'c
Jangyatinn in using VE technology aa learning method.

PE IK Un ungu aan ni

Since its Introduction in 2024 the Sustainability Acaderny has servod as a platforrn to bufidernployee capabiines by
strengthehing understanding expertise and skills In sustainability. Through the Sustainability Acaderny. Bank devetops
am appropriate plan to bUllld the skdils rerulred by cach core fuketlori within Bank The approach Ineludet iriplomerting
training programrnes tallared to tnd needs of ath funrtisn This approach & designed to ensure that overy ompioyee
has adenuate preparation to Integrate artalmability sspcsts Into thisir daily duties and responsihilities Key features
af tie Ststalnobility Acadorny inttude sirkctumed and timed Learning medules ranging front vituto buli, yetiove bott
green belt and blwo beli through to black bett

Tris year. CIMB Niaga launched the yellow beit curritutum. whrich this year focuses:or providing decper learning on
sustainable finance for frontliders from Cdrporate Banking Commercial Banking and Emerging Business Banking
(EBB), Financial Inesitutions and EBB troritiinets Ini biranches As of 31 December 2025. rnott than SO employses hadi

complated this programmne.

Going forward Banks stratngie plan Includes the phasd rollout ot peogramimnes from the yellow belt through to the

Makanan | 175

Competenoy development fox
memptoyees officers and ar

strengthening competendes and capabilities In devela

opportunties. The training is delivered through in-persan. online and e-learning formats.indluding:

PPA PAK LT KAA IE

Bullding a Strategic Commnitmenttto Sustainability
Climate Dialogue by AXA Ciirnate - Join APACS
Driving Project. Program. and Partfolka Success: Thi |
Sustainability Wheel

| Facilitating Sustainable Change

Tatat teri
Training »
Iroinea#:

194 hours

Employee Training Data —

1 betusea merdioyres vena Panen Vhskgneii net peler catnyorea cf worker kantuomreti wiberytak te |

Practice in Banking, Investment and Insurance, Thirdi
Edition
9. How to Be Sustainable Business Strategies for
Haa aih 3

TZ Scope 3 Financed Emissions Warkshop

& Sustainability Acaderny - White Belt

WM. Sustainability and Climate Rick

15 The Effects of Environmental Change on Business

Training Hours
og Troinad on

176

2075 Senmainatitny
UT Rank CIMB Niaga Tbk

Sharia Sustainability Initiatives

In supporting Banks sustainability agonda. the Sharia Business Lira (SBU) ptays ary active raden promoting econornic
dovelnginont based oh SNaria ptinciblos While sleo cahtributing to the achinvenent oh thd Sustainable Development
Gaal, (SDGs). Thraughi various prosisrames and Initintves SBU seks to create sustalnable added valui for the
Katpenunity, the environment and $he ecanorny. Tie programmes and inttistites Implemerited by SBU ttwoughout
2125 kclude tho following

Sharia Sustainability Wesk

Sharia Sustoinatility Week an effartto rate ompioyer
marenea by crying out activities #hat tuppott
sustainahitty One of thee» Is the "Shatia Walk & Run for
Charity” an activity that ale to motivate tears throuah
a fun dally progratmmewitha shaned tarpet Tie arpoted
Dtagramme Isa wagi donation for cigan watar wella
valued at Rp30 millon For cach partGpating tmployee.
aeary | km ran or wak ompleted Is convertod into Ap1O
thousand The amount colleciad on be channelird to
1he wagf clsan wator well program Tife prograrmme
anda drice the total fundi collerted reach the target This
activity Ibstors a Kealthy spirit ft competition among
amplnysre

Appiying Human Resource Analytics to Mitigate
Human Resource Risks

,
Performance Management
As partof GIME Niaga's commitmeat 0 bulfding aa sustainatitond competitiw worktarce: Bank confinues tostrengthen
ita performance management system through the development af-the ARJUNA digital platform. Tns Initiative ts
dosigned to engiro that performance rhatagement is tndre contictenit. tdosparentand oriented towarda rmployres
long-term development

Sevorat performance manageman tunalane In ARJUNA have been enhanceg Include
1 An oto process Ttpremeat for perfarmana management Implementatian Covering B0 —tting
individyal developmont plans (1DP5) and mid-year and year-end performance revicwe

MS Sercanabiry Amport
(PT Badik IMA #ilaga Tb

177

Z The 'abilty for cupervicors to conduci gulek checks to obtaln fesriback an team members” perfantance and
behawaur from relevant stakeholders throughaut the year.

I The ahillty for HR and ling manage to monitor progress Im Impismenting perfarmanca revi through &
comprehonsiyo dashboarg, Ingluding reminder notificarions that can he sant to their team mombers,

4 Feature ahancemanis to Improse-discipline and the atfoctwonessof the parformanas review process.

These enhancements aligri with. OMB Nagas aspiration to detiver an cxperence that is simpler. better, faster

People Analytics

As part of ctrangihening analytits arid human recurce risk managernent, Bank developed the People & Organization
Rick Heat Map Dhehboard asa strategic monitoring tool for key risks related 10 talkat and organkaticnal manggemenit
The dashboard Is designed to pronde 3 comprehensive messurabis and data-driven virw of Prople & Orsanizatin
rak levote vimlised Ona scale from low to high. Risk scores are consolidated from vanaus key Indicatars ang
dinssitied Into five risk teveis enabiing management ta proartively Wdonfify areas reguining cariv attention and
daterrnine appropriate miitgation prioritiks

Thi People & Orgarizatibin Rlsk Heat Map Gashbbard covers sevoral Key Risk #roas damely.

Merzssires ergarmsstsn ud

ati Opeatkasat contibbltu. perdictikathg Ie)

Pabara Mv.udpa Koe mts resin
key pesiltratatate Pan ea!

Ie Bantuan Di sae hn Bari,

Gavernance & Ethics

The dashboard rofiscte OMA Niasis somutmuent tc
Integrating people analyiks as 3 driver In creating
oriented towards strong sovemance

- UT atik CIMB Niaga Tbk

Strategic Workforce Planning

sustalnabilny an
Incudee

»

Pj Capacity planning Tugu te

»

»
»

part of «es sada commitment w
Implemunis Intesrated human res

tor ttus ESG #ramowbri. CIMB: Niapa
2 plannuirg to suppor
empinyee well-ibing Tnes workforce planning proo

targaniotional

Aligmmant with the company strategy and direction Atuna ea

sumporis the adnerement 9f bugs tafarts

kation c? capatity and worklo Crmiie human?

meeds securately andi sustainably

abi in ag using performance and financial

ore mn alien with bursihede

Siatepy

ate 3 lean ar

Management of span of control and organisational Lryers ASI ye structure
Na ag tirotah analysis af historical recruitment moability and

sitrition trends tor more aftukate planning

This human resource “planning cansidors external factors much as
terhmotogical develapments economit conditions and Industry dynamiles
Workdorce planting implementation Is maritored an an ongoing basi
through dashboarde tracking amployso mevments. human resource
budget control and rabust and myasurable justiicatan af wnrkforoe
megu ements

Tneoygh this approach, Bank nrooetvelv manages human
resource (sks. maintains a balance between cambetencies and
Wotktoade, credtes ernpioymenit: Opportunities for the new
prabration and fostbrs stabile and Inciusive eriploymerit
sustdinability

25 Sestamahitey Keport
Batik CIMB Dilagga Ttik

179

As Oftho cri Of 2025. OIMB Niagi WAS an active meriber af 16 Orgahitatone With total mernberchip tere af Rp362
milan Cetalls of Banks cotec and participatidh are presentad in the Appendix to Pilar 5 Adeocoty and Stakeholder

Engapemibat

1 na PAN ST ag neo Alunan tas PN an ajaa

CIMB Niaga": Contributions as an Organiser or Speaker at Sustainable

finance | Events.
Event Nume

lima Aitenimadio—ioe dong Asem her al

A natianed Shara bank

Blended Finunte ma

Indonesian Findice tomnitiw

ES Webirnar Serlay

ag ea MPa

meet Dee Our 3 Samara Sri ESA Sa me .

Multetamholder Fardin br ComEIteit Bean Manan er
Imesitke GM...

Sana eAfuhunsi sisi)

Sharing Semsan an GHG & SS

Benpurstutiam Aboctkn (EEN) Moner and Doribral Program
Facutty at Feongrrits eng Business from Indonesia Internatanal
badirric rahversity OM)

Sesampllty Auditor Trandarmatian Vamare WIV)

Paina aan tene TE Temen mane.

The Couler Earth Sunthintility Series 20035

CIME Mbps . —

25 Ofiieer tie Wrarlehgp

Indonesian Coryerme Semeton Asaraien DESA

Faone Sewa ALIbaANy & Dgn For ECORGE Ca
@peration and Daweloprpent (DED) 2

THE
Beber

EARTH

Sustainability Series

The Coalet' Earth Sustainability Series Isar Initiative organiised by Banks partotits commitmentto sustainability
and sotial responsibility. while alko algned with the purpose Advanting Lustoricrs & Society The Inrtiative
represents LING Nlagis ongoing #fortto mobilisa kollecive action 46 bulid a repansihle sadety and a mere
Uvsahls planet treough education. Inspiratian and cross-stakeholder mgaRameat This year. Tha Cooler Earth
Sustnmability Sengs Wes mplemented in mnare than 49 Gtisa reaching cver 60.0DO partidemis through more
tian 170 events invotving business Ieaders. arademira communites, MS media and the yeunger: generatian,
wath the aim af cxpanding the-reach of the-sustatmabiitv message and spirit of #Sekarangiintuk MasaDepan,
These acthabes mcinded media gatharings. custormur gatharing Ngobrolin Bizrus (NGOBK expos and festwals
CSR Finaricial Literation. upnyeling activitles internal podtasts conforeices atid gatrieringa

Number of
poarticipants
in The

Cooler Earth
Sustainability
Series in 2025:

MS Sertainakitley Bmport 181
PT Barak IM Niaga That

The Cooler Earth - Media
Engagement Reaching Several
Cities in Indonesia

part of The Cooler Earth Sustamatilty Series 2075, CIMB
haga conducted offime and online media engapemanr arresa
GEVE Tts In Indonesia (ncluding Jakarta, Jayapura, Prhanbaru,
Surabaya and Fantlanak. among others. The acivftes mad
10 promo Ina ut information con CIMB Niaga inciading tne
Importance Of protecting the cavirohmant 10 belili-a sustainable
Planet together The activities are alco erpocted to stieagthien

retationatips vith media ganners and Srvg 3s Banks
ongoing effort to mobilize solisctiro cemmamani ang
achon: towards buliding- 3 responsihte society anda
more Iwsatte planet fa addition, media partaers Were
eredaraged ta support others-thmugh contributonsta tha
Fedull Gizi Anak #agahStuntiig ptogramme to address
malnutritian and stunting In Indonesia Initksted by CUMI
Waga and UNIC:

Ngobrolin Biznis (NGOBIZ)

CIMB Niaga suppors Small and Medium Enterprise (SME!
through: the "Ngabroln Bani:
INSORZ) ant held In more than 10 cinea Tree cont provides
tc into opportunifiea-challenges: strategits
to Navigote updates to tak repulstiang and banking
sollitions to help custanwrs manage ttisir businesa
ly and #fhcentiy. Te avent Is
Al part of Te! Cmoles Earth Sustainability Series
Telvered tc Build understanding. and: support
castomers in achieving their business 2oals while

continuing to protect Iha- avircament In day:to-

entrepreneurs: In Indo:

JUS Sesmamnatakry Pepan
182 Rok MN Mana Tk

Media Empowerment and Experiential Learning

CIMB Niaga stengthbns tho role bf tie media as 3 strategic partner In sustalnatillity odutatian through &- planned.
Sustainability Journatem Fellawship In 2125 In collabaratian with the Indonesian Institute af doumalis (UI) The
pe opramme ame to enoduragr ournalists to contribute mate sxtively to the development of soclat andenronmental
Solutiara terough arion-basd ptojects and sustamabllly Tampaea

In addition, The Iooler Earth 2525 sades also (nctuded: Sustanabihy. Sxporental Learming-n collabaratan wah
Dit Revsilip (DAE). am well as-an Exnitition anda Cornraunity Link Bazaar fpaturing CIMB Niaga'c sustainability
otiisetmonts and sustainable prodiitts teori Commidhity Link SiadiNyata Winhbrc This Iritiatke ctrengthens
Community engasoment while encouraging the adoption of more-sdstainabte Ufestyles and practice

BPR Appreciation Workshop

Bank held 2 BPR Appreciation Workshop: teled
"Membangun Hubungan Menguatkan Ikatan" at
trio CIMB Niaga Leoring Center in Bogor on 28-30
Aprit 3025 as part of its comunitment to strength
siratepic partnerchips with Rural Banle (BPS) and
Sharia Rural Ranks (BPRS) In supporting an Intiushe
nanda onta Th actityamed te atrengihen
partners ceparity through competency and tapatility develppment for hurnan res2urces in the bapiang sertar
Bank shared insights and best practires IM credit analyaa cash management. Srvice guality and compliance
th Ant- Money Laondering and Cownter-Terroriam Financing (APU PAT) regutatans

EPICC Podcast/ Stories

EPICC Podcast it oh ot Banks progrorame that Iplores corporate cultup Ira cosiial format with relevant toplos
In Juris H925, Ban held an EPICC Policast sesilon thwened Ato Z tentang CSR which distusad in depth various
(S2 artivitist Implemented ty Bank. Tnroueh #his podiast. Bank ained tb ralep amployee awarrnese whllr inepiring
ester par telpatlan In Z3 prosamines as 3 tangiils waprscana Ot Implementing th: purpose Advondng Cuntotnavs
& Sacanty,

035 Serrsnubsey fmport
PT Batik GMP Bila Tit

183

184

AS part of GPERA Innovation 2025 Bank alec
Grponizod thr Webinar Faimagining lanovation
for a Sustainable Futura ta further strengthen
aalltre Of sustainable mnovatian, Tne
webinar prowidod Insight and best practices on
sustainable innovatido. mmocurasing employces
10 generate ideas that ceate value for the
bbsirises while dolivoring pesitive Impact or
the @wirahment ahd sodety. Tiroueb this
Initiative. participants wWerv mperted to gaiha
doeper understanding af sustainatiity practice
vetnin Bank, recognia the Ungency af embodding
sustanabilty into Innpvation. and Mtegrate
sustainatitity prnciotes when daseloping dear
for OPeRA 2025

Kejar Mimpi Rising Star: Innovation Enthusiast 2025

Kejar Mimpl Allng Star Innovation Entiwaast 2225 & 3 campetitinm-basal reonetment pathway organied by Bank
ta attract. nurture mi devdap Yung talent Weth an langvanne mindet. Tne programme provides a platform far
participants to crpiore. design and present inngvative Ideas acroes yangas agperts af banking senvices and products

Throgeh-the prograrnmie. partiipants generated jopas tnat-eotourige the adoptian of. more sustainebie business
practice. Incilding initatises oriented towards environmental social and 2conornicasperts In 2025. the programmie
attrazted 1394 registrants through the Instogrom sodal media channel. Sihycimbniaga and was supported by
collabiwation with IC) partner uniyersitis and Peretuan Pelajar Indonesia rammunties acrods Indonesia and porsdas

As par af Banks commitment to strengiheing comprehensiwe awareness and understanding af sustainability in
the banlang industry, the programme provides participants with access 10 direri. mentaring from Banics internal
professionats and-experts. In addition, Kejar Mimp3 Reing Star Innowatlan Enthusisi 20125 also serves span af
Banks talent pipeling. where seleciad parmcipants have the cppartungty to cecelve-agoiden ticket to continue tikar
Carper development journey through The Carnpiote Bankor progam

la 2025 fiya topranked pariciparits from
the ogamme janed The Complate
Rmker 2025 Bank also perekdod ariditonal
metapnition (n the form of cash pres to thmee
best participante Ttus Initiative refiects Banks
active rpiein ambedding sustainability values
asa foundatiorrfar responsible growth inthie
future Sandal industry.

30/5 Sermtanabilny Report
IT Rank CIMB Niaga Tbk

Fs
CIMB Niaga Career Festival - Goes to Campus 2025
CIMB Naga Career Festiyal — G9es to Lampis 2S (5 Banks srategic mitiatvg to strengthan the guality and
custamabilty ofits tatentpipalin by engaging potortial talent sarty whiansurngallenment with cerruftmant needs
for Banks gradijate programmes Inctuding OPTA. Ti Sppaalist Program and Tie Cornpiete Banikor Program. The
Programim Is designed Using A strurtured and sustainable approseh aligned With Banks long:torm human resoutce
developrnerit strategy.

With the theme "Yolr Jounney Starts from You" the pecgramme focuses an devoloping the capatity at young taletit
and aw padu by sirengihning Slawarenesa. Understanding ndhdual potential and buidihg the ore
capabilkties nesded to entor The warkplace, Participanzs are ancouyased to identity strongths and development areas
ama foundation far building sustainabip caneers that arendaptive to Industry dynamka

Throughout 2025: OMB Niaga haid 5 activities Iniduding Job Fales, Campus Hiring Guost Lactores. Cotnipany Viits
and Ce-Curriculura Activities atroes 32 universities and commuinlties) bothti Indonesis ani owirseas The programime
reached more than 1AGOG participanta reflecting Srang Intereet and enthutiaon among the youneer penuration
towards OMB Nihga 23 prefenced finatidal bestitution for career develaptnoht. Fram this seriks oFactiVitles 850 young.
talenta were recrulted and loined Various pradlate prosramines at Bank. selatordng ths programme's eFicetiverikes
25 one af the main channel 12 meet talent needs

In-additipn to @upparting-renutmrak the program also serves ama plattorpo tor active capagement by CIMB
Niaga ampinyeesin sharing penfessibnall Kmowledge and oeperienca with oxternal audiances. Diring tho-prograrnroe.
39 CIMB Niaga emptoybes partiripatod ac spivakers and fatilitatora contributing to capasity billldihg tor the yotinger
Beneratlan Furtheimore. the involvement of sehlor managemetat as speakers further sirangthiens Banks lendesehip
role and refterts CIMB Mamat carntritment to bulliding a sustainabis learning culture Throueh stresethening the
Capabilitiss gf the pnunger generation and emouragiha acikye employee participation. CIMB Niaga nat only focus
On busmess performance achireemonts hut Also rerarbuta to Geaimg Usbinabis sotial Impact through the
development of high-ouality and competitive human resources

Response to Feedback ....

Input from various stakeholders plays a'-sisnificant role In refining and strepgthenins CIMB Nsens sustainability
Inioatives Tiraueh feedback collection machanism3, ncudiag the cormeletan Of evaluangn torms. Baak continooualy
teviewa and adiusis Rs- strategic directibn and actiong. The ferdback recewad seres asa basis for improwing
Gastainabilty performante atross operational asperte productdrviloprnerit and social impact-creatidn! With regard
to LIMB Napas 2024 SUstalkability Report Ba

Rank rervived feodhaek through foodhack

form ceme va the webate Jne We welcome your suggestians, which can be
tecdbsrk recerurd von positwe Indicting subimitted through:

that each maternal topic In an mportant Sustainability Unit

bni! ki Miniwiod sulaltatai E-mail: sustainability@idmbnlaga.coid

and operational sustainability Feedback Sheet
https://Investor.dimbnlaga.colid/sr feedback formihtml

M5 Sarranabdry
PPT Badak CIMA Mianya Tb

185

Climate Scenario Analysis Methodology

This appendix presents 3 camprehensive ummary af Banks Climate Stenano Analysis (SA) implementation pro-
cess coyeriRg Gdata-collection and preparatiap stagrs. dovelopment at sector-.and emissions-based models and tran-
sition' and phiysicaf rsk analysis using the Financial Services Autnority (OJK) Cirnate Risk Managomeat and Soenaric
Analysis (CRMS) climate sconarica based an thie Network fot Greeniing the Financial Systern (NGFS). The mmethodnto-
By assumptins and gusntitative and gualtative dssessmenis set out In this-appendik alm to provide transparency
on Banks approach to identitying. Mexsuring and mitigating clmnte risk Imparts primarily on the credit pdrtfnllo
Inttuding the Integratiba of CSA results and their Impacts on! Bank's profitability and capital. as part af overall cisk
management

Impiementation of Climate Scenario Analysis

Data Collection & Preparation

SA (mpismentation ingludes assessing the mpacts of transitian and physical risks on Banies portfglio. Tne data
collection and peeparaton process Invotves thros key stakeholders: the risk mmanagoment unit, the finance unit ang
the sustainability unit

Pa

Data cllected comprises debtors financial and rin finandal Infotmation frden taternal and external sourtes. Farther
details on trancition risk data collection are presented In the Implementation and Analysis section.

Far physical tisk data indiudes the geographical lorations Of collateral and Bank branches. together Wati the
relatad alkes reguired for risk mapping and impact assesment. This data 15 collected In the cariy stage of CSA
Imptsmentation

Model Development

Climate Scenario Analysis Modeling Approach

Norr-Retail Portfolio

Tie marifestation of teansibon risk mp3sts an mal stonarny cectars sarioe in severity and form Acsardingly. Bank
debolopad a series of sertor-zpecific models and emtslon—bad models for aloven Indkustry secrors These models
are used 19 Understand sertar sensitmity te trammition fik mpacts.

Sector selection and model type are determuned through climata risk matariality assessment that considersthe Impact
afa-sectoron dimate (th inside-out” perspectiva) and Banks exposure ta the sector (the “outside” perspective)

MOS Sertainsbeiry Kmport
(PT Back CIMB Wiaga Tia

187

approach

Mey Wricerp are moadellat (haw an Key drkera ot a dettara Mhenilel perform are models buset an emikulone
Produtt! characterstis and penjerted lela, willih Costa produdt pricesas #tungtss ol Stipe 1 Dand 3 (downalream)
market changes under sach cenuna The SHS emisines infkences hy carbon prices- Tits approach Ie used far lowearton
trade remuires prodietlest Inforreailon  itors be sertora wlih Urited data bul Is nat sultabla foreriora highly doperuteri
2NG Getaile semirio variahles Oon dowratreaan Seope 3

Sertore wing tts approsh -z Sertars uere this 2pproeeh are

L Dlmdgas Ayritultilre tereeludirng palrr OM)
2 Pesen generatan Fan Eitate

3 Pulmat Tramepertatian

Wetsis and Mising
Manyfasturme/processing Industry
Cersiimer Staples

Cofsumer Dicretlonary
Heglifware

3. Tatrelv

10. Teteomimuriatitra

1 Hospitality

HM RANK LI

Summary of CSA Process Approach
CSA Modeling Process Flow - Transition Risk

#1 Oom Dota Lesu Pandai Credit Bin Memutea peras tnapotriun
GH Saba pa Setan:
| PN nd (kopena it mur 2
| Aap ogu Setir Patenetarna. —. —,
Lir yes
i 3 2 NN baki Hu amat ireng wang rmnta @eranegna
necae
besi
K —. maa -. - .  krapeg eng
| 1 KARAN f H3 ai 5,
| Pentar amara Lapara an Ke AI mui)
peda el fdr Ao mia amen Linmas
Po nara Open PAR a ra
| Getaran
| (eiier Aap uee

Retail Portfolio

Assesement Of climate risk Impacte on the rotall portfallb uses J stress test model by setting the initial portfolio
profile at the actusl position and projeetihg Itin Une with the CSA harizan In ine with OJK diractlan. a dynarnle balance
Sheet asuimptian & used for the shot term (roforring to tho Bank Businpes Pian R88). While 3 static balance shoot
mud for the long term. Bank then apps a credit migration model basod an the Eoonamic Composite Index (EC)
adjketed tc macraeanomic Vanabls In tne-0)K CRMS NGES-based scenarms

188 | 05 Semanakilty Papan
IT anik CIMB Niaga Tik

Implementation and Analysis
Trahsition Risk - Noa-Retail Portfolio

Cumate NGFS-haeeg IV) OIK cnas 2125 Serap Seenaria time heriori
Icenuria 2 Net 267012 ! #Shortiterrm 2025 2026-2027:
AN anairaPan NN Deliyesi Tratedllani 1 Lampu 2020 20102086
» Chereni Policies

Sepasure sektor Klessifsatibas sub 31 Desernber 2020
EN si str (ryan Ia Or oya Oh risk profiles

nata Nominal Gala Inelindes Seng H3 GPS miicsrone gia misal lema proulvtign Ia
Cattectian "Ak bottornibpapprusth reyuire: deep analysis Of tepresertafjee emities andi samples
» iternal atu and proses are wised tu salitnesa internal duta Urmitattrs

" Apply sector apada ang Or eruswne based approathes to representative deblora
kan ioytaanennesikrake enak tunas ag Urea apr aseforerile NA pi

» PO anti edit ratings industed Banks Internal credit triodef—
aa aa Pa aa Se Ne Sa Menara

Sa Selor iri Aoi Aan apa pir can rap pegi dag Simaarienatan

sabsertor hornogenecus pa eka
anoda Ima ea Ibr credit risk cabovilatkon

XES Sertamabsiay Amport
PT Batik GMBI Niaga That 189

190

NGFS Stenario

Drderty Denriety Hot House World
Hat Zero 2050 Divergent Net Zero Nationally Oetermined.
(xoce)
Seenarla Narrative Earty sud decislue Govemureni action f0 Governmoenta fall to introduce

arban by povermmenta Sikirese dimata changes polides Io address cirnafe
Gampanirs and #etayeri ntN 2030 tirange beyand thusz akad
Conetrnera Kradulilly The loe deli Coa ahiouncet up to COP26 Hold lea
tedikeegiokat the giobal carbon budget Ape LK in20717

transiated into tho key transition risk drivors within Bank'c CSA models These are then used to smulate CSA Impacts

On the performance and financial position of debtors aesecsed over the 3D-year projection period.

Pad

Semtamatiiny Repani
UT atik CIMB Niaga Tbk

Uincertainty and Limitatiors of Climate Scenario Analysis 2x sana

(GA Ik eeential for assessing the potential Impacts and resilienc of banks to dimate rsks butitinvolves uncertainty
Understanding these limitatians Ic Impartant fdr strengthoning the risk management process In the conter of
Complex (eal-world challengee

Ka aa barak Bala Di Da POLA Pearson ea mak iii,
? Soerisrlos 2ssUme linear deddopmenta In tedwiology ind consumer behasidur. linniting the abilty
10 capture disnuptive Innpwation pe sarden shifts- Scenarios ale do net tullv capture the-nari-imear
nature af ciknite went uni! hei atonornic #mpatis Ihkluding Upping points Ukat can wiuse Ineversbla
srotogitat ang financial damage, potemtktiy (bading (0 tnderestimation of rak
» Transtion senang nellding NGFS. seume sempat polloy mplementition and Idesl wopsratian
Wtiler usefut for meptoring plouilbis futures hate models tend tv underrepreseril phyultal elimots
Olirate Seeranos Impacts am tai Maks that are rare hut severe potentisly overtooking disrupthe cutzames outside

tancerd patang

» Standaruised scerarios used Ih financlat Institutlors provide » eseful basis fee comparsun bul are often
jesuffidently detated to reftset Institutign-specific porticfive penpraphies and dah apoetite Recent ar
@guntry-sperific polldes may not te #ULLY capture with shadow carbon prices used as proniss that
tray not orcurstsly reffect desire) tonditiode potentlally leading to rmesestirmetion Leriited replural and
sector detail further constrame precsionand creates (sks Ip assessing lecet impacts-

» Cihmaterisi moisels (ypltully Jess riska seperateiy aset thdugh make aften oetur conajrrritly Or
Wr Intertonnertes seguemces This linuts the ability fo capture syatemir unpetts muh as supply chain
disruptare trugsabirgs financial market Shueles

» Maseh predelin deperda on hi compictanesa and scurecy Of iiternel data indodihg cotatrrat
address and sector dassilicetions, Prortes and alternative techokgues such as 2caling metijods are
used to orldlress duta Sagra hit (uses 2ssumpilona enay meduea seniNVIty and robtiutresa of olirnata risk
asem

Muda ami Dita" Assesamente rely Ona cemnbinahon gt internal datang thire-party dita for fipangatand pgrelidancet.
Information on caunterpariies and sesali Peui/ts depiend on waternal data yullllfy arus ihife-party model
aaumptibnw and methadolesies (or praducing esimates Incduting Stoge -3emeiara and are subject
10 inberent linutabons of axterned datesets and senang mudsllmg.

' Dyramik batince ahesi malemptlars for Ihe ahortterm harian depend Sa muumpilana on banking
“book growth. incessing sssuraption riak and ohscuring rooi-zatise anatyals of dimate risk trangmisslbn
Into finangal mhs although it provides forvaro dealing, wan

“ “Static balance stuset saaaynpi ora for the longeterrn Marlon are sasler to Impilernent but may tut relasi
2 resiistic banking postion

Tee large hererori of dimate steriarios we ii CSA (oirumad 30 years) pace typltal busana inii

Mibu—! #rancial plurming peri Amiting practice applkitian
. - Taptat adeguncy sasewment ke mherenity challerging due to combined effects and nterastines at
Pane 1 multiple (irsandat and tar-finanelel risk factors ant asupan teeii ti address data and maseling

rnitatipos In SA

Peaanemangma | 191

192

CIK Durpatr Risy Manaeernent-and Srenano Analyoe sae 2meon

Bank first particpated In the Financial Services Authority (DIK) pilat project for implomenting tilmate stenarg analyas
(£SA) In ZI24 to assees transition and physical risk Impacrs based On ciimate scenarias referring to-the DIK Climate
Risk Management and Scenarip Analysis (CRMS) 2024 technical gudance

Irr2025 Bank erpanded the scenario analysis modelling scope to cover 10096 af-the portfolio, 'inctuding retail and:
non-retaiL A summary of DIK CRMS 2025 and 2025 Implementation is as follow

2125 212h
Reporting Cims 2028 Fiat CRMS
Watreriad
AL OM Econerne Setara Nar-retail
1. Agriculture, Forestry and Fishures Prianty Seutore
2 Biectrkcty Gis StsartiHot Water and Air LAgrktulture Forestry and Fisherisa
Conditoring Supply, 2 Elesinitty, Sae Steaty Hot Waterand Air
3. Mining amil Ouarryinig Comeilioniita Supjils,
&. Traraportution and Warehouting 3. dirnng and Guarrying
& Construction, A Transportation and Warehousing
5. Manufacturing (with priority on meetads. paper, & Cerstructlate
themacals and tail) & Manufzzturing (With priority on rhstsls. gapet
s 7. Predietive settars other than Sector 1-6 Chernicats ani textiles)
Bkasinesa Semmanta. Besi: Senantiasa
Corporate Esnbing. Corporate Banking
Temerdl Lam Coment Banting
Enterprise Business Banking Enterprss Business Bariking
seturibes Securities
Biail Esiai
1 Consumer loans secured by property. Consurnar loss setures by property
2 Come settara (tter than proper Vsatumeti
ShartTerm ShartTem
len25 2026 2017) (2025 angs 2077)
Timie Horizon Long Term Lang-Term
(239, 2019 2057) Boan 2010 2050)
Baselne 3 Deembe 14 Fl Pemmbs 3

DIK ERME 2505: an NGES w DIK TAMA 20126 bad un NGFS vifitage Mhese IV

Srenerins Met Teru DST belayei Trarsilian an Cinyerit Poleias Net Zero 2050 Delayes Trapsitian and Curreri

Share Ssesmenbappilas Net Zara BUSI ori Het Tera SEN

KOS Semamatiiny Pepan
UT Rank CIMB Niaga Tbk.

Reperting Pikat CAS
». Short-Term
Own balinese erjsraing peda Ana
Batatke Sheet (Aposure prowtii as teparteti in the Band Business na 305 upon
Bisnes: Plan
Assumpitana Pan NE
- Long Term pak
Static balance sheet sesumiog no seposure erowin Na Papa sep
Benntaihs Assament Oanfitatler Assesatnent
Crecit Risk Credit Plak
Financial Markart Fak Market Rek
Risk Impact
Asesmeti @kslitaliit Asssamani Mualitalh Anscaameni
Operational Risk Opsritional Risk
Wendy Rise Ueidity Risa
Physical Risk

Bank conducts 3 separato assessment in line with the assumptions setout In the CRMS 2024 technical-zuidance tor
physical risk The approach for wildfire risk In the Agriculture. Forestry and Asheries portfolio and food: ek an the
Conctinter property ownership loan portfolio is conducted using 2 bottom-up approath. The following are the stages
af clinsate rick impdct 3ssesemeni Implemanted by Bank

Lasimabs diimbte

erespulkati ea

#s2imate diimlte

Irma On Okaga
Ka

M5 Sentanabdiny Rmport
PT Batik GMBI Niaga Thi:

193

Climate Impacts on Market Risk 25x ma
As part of the ouanttativs a—e—ment of dlmate risk impacts on market risk. Bank applles 3 methodatagy In line with
the OK CRNS 2024 techrical guldance as followe

Asa mitigation measure, Bank sets market:risk limits. including trigaer loss tinta sensitivity limits and conceatration
limnits for certaini seciirities portfolika. Market risk-exposure Is monitored dally by an independeht unit and reported
perlodically to management. Escalation mechanisms are atso applled for any breachies along with monitoring tollow-

up carrecive actinne

Ouantitativv dimate impact calculations on profit or loss. RWA and capital
Inacrordance with the DIK CIMS 2024 Technical Guidancs. estimated capital ratios are Infiuenced by changes in
profitor lossand isk-weighted ansets (RWA) due to climato Impact transmission through credit and markot riska:

2s Wustrotec below:

Ciimote Risk Impoct on Capital Ratio Companenti through Profit ar Loss and EWA

Creoit Rick tmpatts Searhat kah Irma
- Simudated Ihrough Ike Incoene statement va " Assessed thrituteb mmariete-miarket (MLM) minemertt
1 Changes mprovasuns

2 Interest hwa
" Beterioratian in ssast yuslity impscts interest Incorrisi (tict
Semficant)

Credit RWA
- AHatted by teteriorition in set gudlitpand credit arovih.

Market RA
2 In aordanae wiih CRMS techhikad guktanoe dasumning

Changes in sssetgustlitv from Investment Grade to Hish
Visid & Non-Rates

KOS Surtamatainy Pepani
UT atik CIMB Niaga Tbk

Gualitotive Assessment of Other Risk Types -snca
In CAMS 2125, Bank considered the Impact of dimate transitlan and pihysital risks on non-credit risk types, Indtuding
liguidity risk and operational rak, through the following methodologies and mifigatian effarts

Tersiiu Aki Plak

Biak

- The besad reach of dimata rek can « Bank rnciy Dt. axilese detarbbnisallan tergseis If operatlons ira not
becomea munepf ayem rakthat —adjustes to support the trarsitign Infrastructure produsts Jd senada
kems3 tp dorlles ip Uut sei prices oo reyurad

terwyiowr of attected financing- » Impartancs of adiksting Banks cesratlors to support the tnmaitign
KaeStopiars, peclut mp credit towargaa lomcarban economy
repaynanta Mitigation
Ubrate polis - Sirenpthaning Intarnel arid saternal capazity The Coaler Earth and UNEP
keentifcaititier FI Trarsition Fish
» Securitas sate and por to » Sustmmability prectices im Sani operational aotisitirs-
Wuh-ernisalam seciura - Suratiinublo finance prariices sik kntih Ika Sustairtahle Ehevelaprnesu
» Arttitipation Of potential deteriaratian— Gissis (SD66) Inctuding but not |imnitesi to tanid-basesi sectora Ngh GHG
mere gusllty #rnilksione and Agririliture. Fotesiry, Other Land Use and Land Lie
2 Securitiks ssateand sepotsres 0 Charge
bigh-emlssian sectate « Environmental and Baciat Risk Aralyat
» Anticipatjan of credit guslity « Andusivity dreersity and human rights
» Crstarner bahesiour anatyss to » Fisk management in dlitnate senaria analysis.
05252 deposit .run-olf profiles
» Support liguidity management
» Loan tustomers may beatfacted

Uuring the trarsillan Ieading to lower
cash Infloks due to eterintating:

credit cuallty
2 Credit analysis 1 used to #arinate
Wecnunted cash inftows from delta
Prysal Gak Risk
Risk » Syatersephusita risksaffeci » Cimete (Sasters may disrupt Banks jefrastrecture facjlities. pargeutarly
coment conditi finandat Tommunitatigrs and the we at physical assets at branch office
tnackerts andi redute —astprices Identificatiore
» Petentisi ootflows due to dirnats » Valus of fiked assets in hagb-rek arzas (RSI)
Mesatera perteularty from largeand - Historcal demter retores Inciuding Low Eeent Data (LEO)
Volutile depositors Mikination.
Migatan » Considering Iecatan-and Uisaster wufneratsility Tectors to minimnts
Asets (HOLA) « Branth Opening SIX ss2sssmeni of strategi Ibtotion, disester safety.
» HOLA serve asa liguidity buffer buileng feestably sad tepatity and fong term planning (xp. tsase tenar
» Bank myonitone and controde deposit " Sveas)
cuncentretlon to anticlpate sudden « Trareter RIM Approdd Irsuranue coverage lor tirandh bed laseta
behavicural changes among lergp » Consider tocatian and disester vutherstality to mmininese disruption
Mepasitara tirta

« Branth Opening SliP assessment of strotegit Ibeotian, disebier sale
cppditione butiding sim ebility and legal compllence and fong-terrn plane
(foraarnjib Lease term alat leasa five years)

« Traneter Pk Approddl Insurance Ine branch uifice Itred cseeta

Adaptatar

» Estatilstimenit ttf a Crids Menagerrent Team (CMT) an Cinta.
Coordinoting Fear ICCT) with #scalatian protutols Ibr retovery and
Cisaster responas

- Dowrrentallan and periodic testing Basinves Cortinidty Plam (BCP)

» Altemete sites for operational continyity (Dedicated Site: Split
Operations. Reciprocal Site) wiih socountalite persaris at sachi location

MS Sertanabdiny Rmport

PT Batik GMBI Niaga Ttik

195

Communication of CSA Results

The Clrnate Risk Unit conducted dissemiination of the 3025 CSA results to business units to communicate scenario-
based trarisitian risks related to FV2024 credit mposures Scanarla-based opportunity ostirnates derived from the
C5A 2975 outputs were also dicused to ensure sljanment between climate rick cansideratidns and opportunity
Identification.

Others

Organisational Scale »—.

Categories Unit 2025 3024 2023
Totul empioye-s Pevpte 12775 W083 k33
Met Protit Epmiltane 6338345 6338534 SIA
Operating incarmis Ep tsllions 15435633 18 917536 1765525
Tatat Logne Aprriltons 238308225 220102295 212363870
Total Thard-party Faruts Rpmillans Irong2yan Den B3STT7 235861670
Egg Aprilkons 58157163 52196377 N333737
Payabiss/Uahilities Rp millans AM Sat 3071024183 2e503tHs2
Tesat Assets Ap milfone 372590393 3602205 331262233
Bratch Networks Offiee 3 am ap
Numberat Products ang
raducts/Senwes
Servtea P " 2 Pa ns
PILLAR 1 SUSTAIMABIZ ACTION
Employees Basad on Employment Status conan,
2025 2024 2023
Status
8 Malo Female Male Female Mate Female

Permanent

3 Kan As92 5996 4336 5107 Aan sisi
Tontraci 2

2 ' 533 z8n 531 328 Ea) A65

£ 5355 2339 Sa ss0s san 2sis

1775 263 nne

Holi Bank does not have semployees Totapi ed ae (reelanas wurkers (noriirest mmployses)

Employees by Region ma
2125 2124 2023
Male Female Male Female Male Female
Jekarta Reglon 341 25m 3S 3045 3s 2056
Sumatera Region “2 558 . 575 «73 563
West Juwa Rigjurn 383 soa El 2g E 35
305 Semmamakiiny Pepani

Central Jaye ani DIV Regu 386 “9 3M 9. 325 sn

- Ba s8 - -5 zan san 2

total S335 5380 ES - 2606 San 565
1073 1os3 mita

Management by Gender and Poslitian Level

Mebanadesa | 197

AMAN
Mai SIR RUN NI
ang
| | | | ja
tj

23
3

, |
Ci jelatel aa

us

253

S1

1

tip 10 High Sebodl.

Es
Employses by Education Level s5

Mebanadesa | 199

iEebt Java Ball and Mes

epari

Tatat

asi

EK ima 4 koi

(East Jai, Bell and Mess
Tenggara Regian

Repan

aloe 1337 1530
Tatat Emoloyees at Ihe End of he Year 10775 1063 nns

daa 2 “2 2 2
returned to Pe
or atr para lea PB BB
NA

mareboudrus ang ass 35 105: 33 me 155 "2
serumunitatjan

Social serviks 323 » an Eu) as ae sg
Miring PE 3532 655 ag 7 5 “
ee song man sa u azan cas u
Consumer BRA 12 az 2s 28 2 s9

204 KOS Surtanaktiny Pepani

Scope 3 GHG Emisilons In the Financing Portfolio by Sectar - 2023

38 8 27
ta 2? 2s 27
39 & & 5
23 u 280 22
28 - - -
3 Li 63 z5
30 - - .
29 Bad yag 1
Fa) rr 415 20
an - s 5
8 z
3s 1939 | 39

Scope 3 GHG Emisslons in the Finoncing Fortfollo by Asset Class - 2023

z
8
g
#
:

Business Finentirig Tas. 303 aga” 36” Pom 22
Pendant home anreaa 222 1 an - - .

Scope 3 GHG Emisilons In the Finoncing Portfolio by Sector - 2022

Mergtarturng

Trading restuuranis
hate: ang
aimmistration

Aprulture
Disinna Servks
Larutan
Temporatian
weemusdng ad

carmunkstkon
Socul terykes
Miring

Eictridly g33 and
water

Howsing
Case
Totat

Total Loans.

Financed Emissions
Coverage (56)

29731
B9313

WIM0
52013
32519

33634

s7
22525
5416

398340

2A455
1226631
1966110

Eza

na

A0
328
33

5685

Isis
397

9

a

1533

Scope 3IGHG Emissiana in the Finoncing Portfolio by Asset Ciass

Bond tessirnent
Besiress Financmg

Torotektiat
Property

Resideritiat Horrie
Motor vehicle

Totat

P:PhI
721228

1833)
379933

21130

206 | 15 Sumanatilny Mpan

UT Rank CIMB Niaga Tbk.

303

337

533

29894

ts

Emissian
Intersitv
(tonnes

af CO2/Rp

Data Guatity
Score

“8

MS Senzamabdiy
engareidanaid

23 0120257 and Performance for Production. Portfolio.
Omparison orgets Financing

age
pat to Income Raba (CI) 2
POE Ter) Br3
Ta ara

and MSMES) 2023-2025 sie—eca

Sesings Oo A2RANOS 38, AG 3427 SS67EM RON)

Total Value of Current Accounts, Savings ond Deposit Accounts (individuols and
end Maman LS

JOS Sumainabilny Report

Niste: Siptahanarg af noongeue perfunterite atilenenta sriata to @rralnasie Nnance wisiemeritanan atF-discunseni 0 this erat tundire
Finanang In the Sucainadie Ikesihess Actisty Latogory (111.

enam | 200

Tutul veorrame valas sirtutes 2ss2yasr 2A3MAT 2aned

n
a
2
a
o
s
2
a
2

Horte/Apartmert Ownerahip
Fino

Lol
aasas aa

AN —

PILLAR & GOVERMANCE AND RISK
Sustainability-Related Duties and Responsibilities of the Audit Committee ond the
Nomination and Remuneration Committee

The-Audlit Committee sasists the. Board of Cammisaners In anewing and darityng finandat
Intorrnatian. selecting, appainting ard cverzecing the work ol Independent sudittra #vallating
1 Amit Cotrmnittes lha effpctlveness of be Intemai sudit, tunciion and internat controls The Ausit Committee ala
gyersesa AE Mlepi2 cormpilance- with appliceble Lawe and regutatione anti the implenentatlan of
sustainability protes at CIMB Nigs

Namunatian functon

Provides retommenttitiors an preposed tamiidates wtm meet the tetalitamenti ID ena
(riemibers Of th Boat af Coromibskners the Shiiris Supervisory Boind and the Downd df Dirattora
tg Ihe Board of Cocwnesoners for approval by DS and ie Generid Meeting of Sharehalilers
(GMS) Comedurallors meluk Wenlifving gEgrrment bil weam Garnditates” guallles. mledins lem
awaorerisswol sustainability ptintiplks and considiring the tesutts dd Sestkinability Due Dillgence
(SPO) lor the candidates. where sppliceble

Nominsilan and
2 Remureratinn Pemureratian funcilort
Carmyutissi Pewiops:the sirycture polices arti amuuni af remuseratian for the Boang Of Comrnissioners.

tfue Sharia Superutsory Boand ang the Board at Oinectons tor sutimissan to the General Meeting of
Sharzhotiters (GMS) The Coromitise also provides evaluation results and recamimmendatior to the
Board Of Comrnissioners an oeerall remunerstian potides:for fecutive Office and srmpioyeea
#a selllas Board af Commespee Committee far stibmian tc the Board ot Oeectore Ime
ottor considered In cemnang out this remuneration function #5 Bank performanue targets or tie
perfarmanc Of cachi mermber af the Board ol Commessianers. the Board of Directors ami Board of
Commesoees' Committee ntludins tutarmabillity- related pertormanca

Number of Anti-Fraud ea dna xi Bank Ha aoekonm 2 ai

Peka
Semata
Resah"
Werer Dres
Remon

Testi rab
adan a Ta 3 G BEI 7 K3 33 a
Wegiau

Tesirang

Martaikan 2 ui E & 2 a e) 2th #
Ng

Hota tinha sb tiba

Nite: Manngormeng pnludtes ane Searid of Cammuasaner and the Beard of Director.

MB Serzamabdey Report
PT Batik GMBI Niaga Tbk

211

212

Fraud Case Resolutions —— on merit

Tempered Kan 0 7 t Pe
Ininternai Setilenent Process 3 k:) .
MtvetBesalad, RL
Tata Fraud, ka) 4 8

(Nite: #wdorenadksis Il tin tahta show «3524 with marniruhi dewiatiore af more shiar pic ietiloit.

Total Training Participants by Position Level and Genders a.n

«seting potonya Ws haw Tapa md min printed hn elang des

Number Of Training Hours by Position Level in 20255 six

mi an Ea Jak Sena Ben? tatB67
Developer Program'& TCB — 2022504 TAGS tanpa
30 Unutunde 17 Upakill& Feby — EN 2531 zasst
Pa

Surtamakiiny Pepan
IT atik CIMB Niaga Tik

Number of Participants by Type of Trainings mo.
TN ||

Fak Corporate Assurance Tompllanus.

Sales —

Treesury Finance & Tax —

Operattune & IT 15238 A2

Tramsarton Banking aaga Ki

Team Bukding 23 mpas — am
ea — - — 2 — 2
1 zasp 3izyss

rector Of Cormpliange Corporate Affairs and
Kaya os Cwirman

Director at Te and
jeep saria Compliance Jorpuratw Affairs.

Oirettor gl Tesesury 8 Capital Markatas
Mita

(rector af Tornpilance Corporate Affairs and
tayel os Ehuirmen ot tie Supervisary Board

RR ararn|a

Dia | mesen topan

REFERENCE OF FRAMEWORK AND
STANDARD ON SUSTAINABILITY
REPORT

FOJK Ro. SMPOIK-01/2017 (SEOIK Mo,
Wa. inden indae Mamo Toge Wumaer
ad Elaboraton on Sustainability Strategy 7
81 Econorruc Aspecis 1
a2 Ervimnmiental Ampects MU ttaa
B3 Social Aspects 1
Company Profile
da Vision. Mission, and Values of Sustainability 8.2
« Companys Address &
c3 Erterprse Scale Aa,
tx Products Services and Duninas Activities "
cs Significari Changesin bkuer and Public Companies s
Di The Bose of Orsetoni' Peplanation ah
Suscatnabillisy Governance
E1 Responsible far Impicmnonting Sustainable Finance R68
€3 Risk Assescmerit of (ho Impilementatan Of Sustainable Finance ISI, M9150:
EA Relatiana with Stakahokters 559
Es Problerns wath the Implementation of sestamable Finance 38
2) Seetainable Culture Development Activities Ca?
(23 Companson of targets to performanes af production, portfofia, financing targeta ce investmments, 7
F3 Comparison oFtarget to performance of portfoho, financing target. orinvestments m ficandal Ta
MANA ee Tanah bada memakai ina
Environmemal Performance
General Aspen
"3 Use of Enwronmentady pnendiy Matanads 3

M5 Sartainibelry Report
(PT Batik CAM Wilaya Tik

215

216

Intiee Moms

Fa Te, Ta, 79
r Cl
ra 2
ra Dn
Fo Brodeersay Conservation Effomts "2
n
Fe
kai Amount of Waste and Eftisent Generated by Type ”
En Waste and Elzont Managernent Mechanumn ”-
Fan Murnbor ard material of Envitoamental Commplsints Recelved and Resohod 1g
Social Periormance
En Comnmitriemt to Ptoride Services ani Egual Products-andjor services to Consumer 3
«
ca
-
wp
S0eo
mm
3
204122.
BEA
Z7 Produrteserykas Thiat ttm Been Eraluntesd for Sakety tor Customners 3
33 Product Service Impact 3x
F9 Customer Satafacbon Sutvey on Sustamable Finangsi Products anditr Senices 102
— Ga “written Veriication from Independent Party (fonyj 20
G2 Feedback sheet ya
Ga Respanses 19 Feedback on the Premous Years Sustumnabikty Report mn

30)5 Serganabilty opor
UT Ratih CIMIR Marga Tik

GW Standard Content inder

Statementaf use PT OMB Niaga Tbk has seported the information cead un bus SAT content Indeee for the poned Nanuary
1031 Decombar 025 with reference to the GRI Staretarcdi.
Ganusad Ga Foundation 2071

jala

228 Commiuricatian af artical concemna
277 Coloctmeknowdos dfthe tighea ar
body

Spb
218 Evaluntion ofsheporlonmancoof the Li
Pie gomarcobody
2 pemuneratian palicis ta
220 Prodeseio determine remuneration Bi
2 Annual total compensatinn ratio s
220 Sistem ontintinbe 18
development arategy
224  Pokcy commiftmeris ya

Sa ma ana 217

Dan tremdard

na 25 Poosesas to remodiate negative Lg
Impact
226 mechaniane for selang adeceand Lai
asing caena
Gat z General 227  Compliancewithtawsand 27
Disclasures 2071 regulatinns
325 membendip amodsllona 20,24
220 appibah tostikoholdat m
engagement
230  Colertive bargaining agrsementa s
GRI Matertal Esi Poco detitrmine material tepat. .
ata 32 Let of materi topks “
GRI 201 Agkt  Ditect economic valuo gencatnd P1
Economic ang distrbut3
208 An? Finandislimpicnions and other tske Bea
arut gpportumities (duo to clirnate
change
KIS  Defmed benak plan obikgationeamd. 3
other retiramantplans
KIA Firanda asistance ram 1
goemmori.
Gridas indirect oo 2GSI Infostructure eamertiand Yess
Economic Impacts servo supported
6
2 Segpifiant edm More “
bgt
Gr 205 RSI Opoors mesrd torrearuland ea,
Antcorrupion to caruptian
. R2 Communcatan and tnairing 1,21
about arti-caruptian policies and 2
Preedurs
2053  Confimod incidenteaf comuptian (556
and atans tabati
GRI 206 Anti- 2061 Legal artions far anti-competitiw -
campetitve behavlonr, anti-truss, and monopoly
Behavicur 2016 Practices
GRI 302 Energy 301 Fhergy Omsutmpkan within the -a
2016 organizitinn
300) Energy omeutmpikan otiside the -a
rganization
3003 Energy ntoraily -a

GRI3OX Waterand MISI interacticns Wih wates sashaned
Events 2018 rena

A05 Veatt masumpOn |

218 KIS Sermamatalty Pepant
UT Ratih CAM Niaga Tbk.

Mke1  Oporational sites ownod leasedi. Bea
managed by oradjcent to,
proenctad areas or hat, but that aro
hngtiim bicdiority value

22 Sigrificant impaos df activities. Bea
Pendis and con bindetity

304 MUCN Red Lt species and national bera
carsernvallan too wah
aftoctod by Operations

ISA Dira Konga) GEG siraman za

na
ma
er
Ta
ma
&
8
2
e
-
200202
5.5.
22

MP5 Sentainibeiry Rmport
(PT Barak CM Silaga That

219

220

CRiLan Kaya " Wotker porticipaticn, corsuktation. KT
Oocupational and communication on cecupatonal
Health and Safety bosith
- WI55 Worker training an ocoupetional pn
hoalth and safety
#3536 Promotion of wotkor hoath bakul
K7  Prewentian and mitigatiin at Tan
perupational health and satery
Impsets finkod by busincez
Mar ' Watlsiss coierod ban oceipatkirat | Tai
hoatth and safery management.
5
AE Work rolated injunes kuku
A30 Worsotatad il health Tt
GRL 404 Training A04! Average hours of training pes year Mera ta,
- #42 Programs for upgrading 2mployoe- -..
Ski and tranekion asestanco
progam.” Ta Ta
AKA PercentngeoFomployees recekiing 28
regular perforrnance and career
development roda
GMA0S Dveraty KS Divenaty ofgovemance bodies and p3
and Egual cemployees
yang MEI Ratioof hose salaryand
rerriuhetatian of women 10 men
Gaara seanmty KG Humannghits policy or procedure -
GRI XK3 Local MEA Operatiane with lacaf community Dl
Communilies 2016 engagement, Impact Kamen
and developmant programs.
GRI LM: Suppiter AMI Sodal criteria for new suppliee -
Social #ssessment screening:
ai M2 mogative social mpactsin the -
supoly cham and actonstakon
GRI 4i6: Customer Ckbt  Amesemont oftha health and safety Ld
Health and Safety Impact df product and serace.
bata AMD #icidonts of ion-compliarice Li
concerning the health and:
Innpacte of products and services
MIS Sergamabilty Pepani

UT Ratih CAM Niaga Tbk.

CRI4IT- Marketing ATAL  Segiimermentsiot product and ma

and Labeling MN6

ATAZ Incidonts of non-compliance mm

ATF3meidoris af non-campiance EN

GRI 41 Customer G1 Customer compiaints rotsted 33

Privacy 2016

GRI GU Financial Service Sector Suppiemeni

Pa
Fameeiat

Sarvlog Lectar
Jeppiameni

Fs
Pa
rs
Fsa
Fss
Fs6
-

8g

papa aa g

Daciorure

Policies with specific CeViranmental and serial components apoliod to business lines
Procectures for ameing and screening @rsitonmmemtal and soda tida in business lines

Ptocesses fot monitoring disnts implementation of and compikincs with-endronmantai and social
Teguran indiude In agreomatits ar tramsactione

Piocessies for impeoving statf campetsnoy to implernant the environmental and social policias and
pencetus 25 apple to business lines

@pportumitie

Percaritage of the portfolio far husirmes lines by specific region, size (og microfsmeAargej and by sectot

Morestary valas af prorducts arad series designed 10 daliver a media social benafit for sachi businesa
line ttokan down by purpose

Mgnetary valise of products arad services designed to daliver a medt enuranmental beng farah
butiness line broken down by purpose

Cowsage and freguengy cf audit to 20253 mplementatan df onviremmnental and soda police and
risk assecemeni procedures

Pertentage and number af companies Iold ir the netitution's perdoka with which the separting
Perentage dfasarta subject to pesitise and negative environmental Or sadis sopan

yating pobeyfies) mpplad to ermoreneraa ce notia nie kardares merch Ha repargr
organisation hakds the ngfit 10 vote shates oratisas On voting

Aecesa points mn km-populatnd or economy disadvantaged aroas by type-
Initiatives to enprove 2005 10 finangal services tor disadantaged people
Policies for tiho fair demgn and sale of financial product and sevees

M5 Sarzanibiey Report
PT Batik GMBI Miaga Tbk

221

Panduan Pengungkapan Standar Keberianjutan !

PSPK
trade

PSPK
2

3

B3

30)5 Serganabilty opor
IT atik CUMI Nisga Tik

3

(aj

td

tw

KO)

Ui

(W

lw

ts)

Lo

(W

PSPK

Sestatnabilty-retated riska siri opportutitis goeerangs hooykal ur
Individusl(s) owereaht.

Incorporation of sustamabibty-related rule and epportunities ya wa
meponkilslitas into genernancs framewaka or other pusaran 10
petater police

Appropriatursss skills aral competerite io overaee atratepiles, meludirg
Tuture rhrvelopurent. denger (0 respond to sestainability-retated riska BLn3
ang Gpportunifs

Reporting freyuenoy otstainabililysretates rise ang cppgrlunities tc 1
be puwernange bodyfs) or Uncdiiotukad|a)

Incorporasiurn wFaustasahlOtysrelatesf rise and apportunuikss iretu
2ntitV strategy disclston cralong, and Fak management prosa 100.131
tncluchag (ts tradeatis

Geersight and monitoring Of Lingeta related to muntlanatillty related
Teks and Gpporturutes.arud linhage of related perlorrmanas metrjes Io 54
menuneratibn pallei

Mnagementy role in the sovernanes proses, confrult ang
pirocedures uked Lo mortar mars und vers sustaknetality-relatasi
Kaka ard opporturities. Inturing Informatian about

Pole delegatinn and oversight ol (bit pdsitlan ar coremnittee B0
Congrota and #rotedures to support overagght of sustamatoility-related

isis and Opporluniifles. meluding Integratan veth other merah 10
function.

Fupetted eHuct of sustiinability-relatedi rak and opportunitss un Apar Uu
antiya prosperts 1:4
Carrent ane anticipated effects af sestaimabilityretated raks ang AR 0, NS
Opbottunites ori business model andi yulue chain 157
Effects of testainability risk and cpportunittes an strategy and 1291733.
desipn-making PO AS157

SestainabilNy related riska aris opportunitles current and arititipatesi
effects on the-entitys finanmial- position performanes and cash fione

during tie repbirtinuz perbod conedering Its Inctuulan to edi financiul 2
plarming

Utee resllie nga Ol tw enlity 3 atrateny and business model to

Sustalngilty celatei riska istaiad

Sestaimabilny-cetated riska and cpporturupes spectai ettecta ur the
#mtily 3 pruspecta

Description df sestunfability- related rasa and bpiportonitles tari cetak AL BI 3
reasonably be mepected to.stfext the enlhy3 prospects 1-74

Spsuilcatlan of ttre (me hiorisan—sirott, mmedilan ar long tarm—-for ee
ustoinbhiltit prelktod Ptsk ar Opportinlty' sperted stfe

Palar

Strategy

8

pspk

83

Ha

PSPK
t35

pspk
Pl

&

K3)

ta

(51

ta)

(3

fo)

PSPK1

Definltion of ahdet meedilan (and lohat term Urne horrorsi and their
Onkages wih theentitgs strategic planmengi harizone

Current andi antizimated #ffect of sustmnebillty-retated raksa ang

opporturites or business model and yulue chain

Deserption of currantangd anticipated effect of sustamabilityelated AT 3G. 3
eis and Oppartumities an business made ang value chain 157

Desergtlan of sustalneivlAy-celatesi plak and bpportunit
Conceniration In the busiriesa model and wilke chain

Sestamabilny-retated reka ang opporturuyes zftests pratrategiy and
Seniae-mehing,

Entifya current ind planned response forsustainabilityretated riak 47 91-33
ang Gpportunif I ifa atretegy ang Becsionmelaing: 37

Progress against prempully diertwied plane meludng glantalwe an
@uklitatie informution

Trede-tfi3 between Sretamubilky-related neks and cppartunities (hat
the entity onar

Sisstulnaisility elite risks and opportunitl curresit Serta or financial

position performance and cash (lom for the meparting period SE M3

Sisstwinatlsility-reliteri risk and opporturitk artiputer eiferta ora
fbanciat position. performance and cash Now stross short. mnediusti,
ang tang tem. conedaring their Integration Into Hnandat planning,

Speafically. an entity shali vedose yuuntitatas and yuslitalng (SA 15S
ai ermatian about

Apn crrenyastleary tra susetain vabilit y-reluter! riska and Oppartirdtira wtfeet dar
Noandat position. performance nd cash Mowedor the reporting periati

Aduiretifteaslhkari of sestanmuabilNy-celuted Tile and temrartunithes silih
SignlNcant hak materi adjustment Witiin the nect reportiig pesad to
Itte carrying amounts of assets and Usbilifies reportes in the related
(reantal staternersts

Eiperted changes to fihaneial position sihiss-short, media, ani lorig
torrn burngana based on the entity strategy Io rnanags sustsinebility-
pet riska and opportunilkea conuderina

Ik #meestinrert and disposal pilar mellefirag plams Ime ritity ts mat
contrattually commiitted to

Its ptanned seurces of funding to mnplemnent (te strategy

Erpettei changes to fibancial performance and cash flove acrnsa time
hortrunis bewed un the mtity3 stroleg lo mandge sustairsbilty-selated
tika api opporturities

Capacity to-adjust to sustainabiliy-etated Faks tnkertaintnes Discjose
GsUtathe aral (f appitatle guanlitalike merameng gt ine resiken af
Its Strateyy and business model In relation lo ts sbstamabilty-relates
Faks, (ktaing 2ssesnmeri process and time harian

let 181

MS Sartainibeiry Amport
(PT Batik COME Misa Tbk

224

PSPK
Wa
Risk
Management
PSPK
146
Metrics arit
Tergets
FSPK
HB
xp

UT Ratih CUMI Niaga Tbk

w

ta

(31

LO

Iu

tw

tw
tw
tw

LO)

di)

PSPK1

The proces5e5 and related poli used lo identify 5szss prloritiss and
#ekardtot sestainabilinpeettted nela Indtusing informitlamahout

The mputu ang parameter (he snilily uses
Fts use af scenarlo anuhpsisi to kaitorrn Its Ietantihit ution of sustairtabillty-
related tes and Itsapproath

Approsch to asses (tu nature (urlihood and magnitude of the effevta
of i—a riska

“The prioritisutkan Ofmuwitdintabllityreloted riska relateto other tyees of
Tekani tt appruezh

Approseh to rronitor akstainbbill!y-relatus cisis.

Chafige In the protesses he eritity used congare with the previous
meporting penad and Es approeh

Proesessas Uu splity keaws fo kurtiNy ame persoritkas, ara prusrutar
Sustalnahilty-celatet upporturitle—

The satent to Whilch the process ol dan yina assslit,
priortising and rporiitoring sustzinabiltyelated Faks abg opportunitis—
222 Integrated Into and inform theentitVs seal: management
process

Metrits remuired by.an mpllcatie IFRS Sustainatility Olsrtosure Stanttang

Metriai the antity uses (9 tmesare andi (monitor
Tbat serutalrnatil yoretates risk we oppturturalty

Performance related 10 mustamubikty-peLater) risk and oppersuritise
Includieg progress towarss any Internal tanpeta or any law or aegulatian
reguped targata

Metrks disclited by an entity applying pardiraphis 45-46 shali Inckide
meriries ssogluteg with paropudar business models activibes or other
Correnon fentuyes that Charatterte pertitipallori Im ah egllstry

Page

“3

-

PSPKI Page

Wan entity disclosea a mesti takan from modtes otr tian PSPK Other
2ntity shatj identity Ike source and the metic taken

Ia metik has teen ttevelu pes by an entity theamility shual detto
FSO Infotrnatian about

Detirllur Of the mete Including ary aiijustmenits from source other
NE (han SMK and, if 2g, enfity shati disctase the seuras and any diferances “8
rom the spediftet source

wu Nstric diesaification, expre—ed & an absolute Mercure 3 mesra

upressed Ih relotio ts anothe- metrik, of wu Ulotive tteaure 3
d Tedi perry sabtatiom of the metric and, (Esa, which party. “8
Method uses to celadate the metricang the mputs to the caludatan
& Ipneliuelirng #his Uprutartitares Cof Uar prosthaod waseet my bhne sisaysfeanrsf
Meirire ang sumptone mada
eps pspk "Me turgers set ta pignilar propress toward lnterril strategic muals arut
any Law Or regulation neyused target Fi Bath torget Um aritity ehdll
ts)
dadar
Metricu for Girget setting and progress moritoring, and any targeta
la renuired to meet by law or regutatign. For each target the entity shui
disilose
wi Duantititibe Sr cusiitlve target set Ud
d Tergetapplicabon perind
& Mdestones and interim targeta

w Pertonmares ellnst Largats and trenija ay

G Tergetrevisiong and ratonaie

MP5 Sentainibeiry Rmport
PT Batik GMBI Milaga Tbk 225

226

Panduan Pengungkapan Standar Kebarianjutan 2

PSPK
aa index
PSPx
Ing
Sopenama
PPK
213
Shrutegy
PSPx
2-6
KOS Sesmamatakty Pepant

IT atik CUMI Nisga Tik

tt)

G3)

KG)

UN

tu

PSPK 2

Cinate-related hak and cpportunitits #owernancs bociy&) er individuatis)
Over

Incorporation ol dimteretited maka arid bpbortunilise resporsbilitks into
BOwrianee framework or ottier sowemnance-nelatad policies.
Aburoprisikitea siilli and competentiss to ownes rategies including
future deselopmera. (jesianed to epond to dimat—ated fisis ang
@ppartuniti—.

Repottitig Inegiseny Of dlmate-retited Hal and cpporturitk-u to har
Rowrnanee badulah or indewedosllah

Incorpuration of dimata telbted raks and bpportunitiss into shtllya
Induscing MS tratecifs

Do&sightand monitoding of target neated to diimnaterelated Faksand
@pportunilis, ang nkags of related performanar metne tp remuneradon
police

Management roiv in the povenngante processes tontrole-ared procertures
teserl to menitor Trenagk and Over tihmate related rela aril
opportuitiiil—, Incluting inoermutinn about

Pale delepatlan and merraighit Of that puwltigty or carmnyutiam.

Controls an procestutes to senpart @vereight of dtirate-relatedi mekt and
oppartunitle, Incluting Integration with other Internul function

Expert uffect ob cirnate-celater rmks and opporturutws op emity
prosnecta

Current sad antapatet effects of Wfimate-relased raks ang eppertunities an
business model srt belum ctiain

Cilmate-telited Faks and opportlanitles sffetis am wnlitVt siratexy and
dieclsirut rnisking, Inctudirty Informatkah abei lis clirnoti-reloted tratwsltltsr
plan

Current sad antapatei effects of Ufimate-relased raksa anc cpportunites
Ga the 2ntitVs finance pesillan, performance, anti ch (mes dung Ike
reportihg period Cursidesing Its Inelisian torentitys #irushekal planning.
The dimate resiberce of the enfitya- strategy and business model.
Ciimate-related haks and cpporturitiks sepected effects on the enfilVa
psp

Description of dlimate-retated Hiska and Opportunities that Lould #essonakiy
be-srperted to affest iheentitya prospette

Citegorisatior Ofalatt ientifisd ciates related Faks to physitull or
(ransigon (sk

Spooniftc.rleiry ca fo Urus buirior—ahart. mretilun or Lang terrn-lor sachi
Oircaterelated rek o- mpportunity empecteri effect,

Pefinitiori af shert, medium. and Lung ter time honooite ang their Unkpes
volt tia 2ntit/ —stratepit ptaraihg hohlrorrs.

pa PA

En

KOIL 2
pan

BIS 4,
SS

aa
Ba

38 BSA,
aa

RA

SA IR,
ban
WRG-1A7, BIS,

Ie,
| 2A 5

B3), G3

Piitar

Strategy

Bli:

la)

ta)

lb)

FU

ti)

mM

te

@
W

PSPK

Turrentark antitipatet eftect of dimate-relatad raske and opportunitis on
buset mode and value chyun,

Description ol current and anticipated effect of uilimateralsted Faks and

apportunities on business model and velus chsin mak
Desariptkon of elirrute-netatesi ricks and opportuvies concentratian In Itu 1s
biviinees model and value chain .
Cilmate-elatesi (take and opportianitkes sffenis am sirategy am wetisian-
making.
Eritetys currentand planneg cesporee for omate-neated rak and
@ppiorturdtles br H4 strategy arc dewukan-ervaklhn. kselucdirgs pelarut sehiuwue
Crate- related target
Current amat anticipated Chiang ti bhn entitV Ss businesa model ancliding It an gas
mesolins alldcatior to address dirristas melata raila and dpportunitizs
Current ar artiopates direst elsa and adloptutkan e#forta sang
Current and antidpated Ihdirset mitigetion and adaptbtian sort kekesap
Cilrvuate—rebat er) traredtlar pilar Wuwuciiras katy @surripr lor Ir its teallian
plan and dependencies an whikh Ihe plan celles
Pane 10 atiese dlinate-rklated targats, meluding Bemmbot pss Penari
@mnisclors tatgsts
Resourong current and plarmesd dimateretates 2tt/vitee ”n
Duantitktive and Gublitatha Inforrabtian of cliraterelated plane progres-in m3
previnus reporting perkis
Clirviate-rebitesi rlstes arud opportunitisi curvend #ffecta ar fanta pe-sititara aa
periormengeand cash Mows (erdhe neporfing perjad
Cilmate-telated (uks and opor anitles antiopated effects on fimangal
positiin, performance and caih (oeer ucrom-ahort medilen. arid lorig term. Si
coraijenag their ntegrabon into fisancet planrung,
An antity shall disilose gusriitativeand oualitath Informetbri about
Information ori Uimete-retatus reka andi opportunitks stfest on Ayanglal 5»
positiin, performanes and cah (res for ta reporting perldet
Icentificatron Of cllmate- related (isis and cppartunities vith-sgrmticant
rak moterial odjusttrent Udin the risut reporting period to the carrying an
andurits Ofasseta and Kabiliti repesrted in hut rekated (Inanial.
ataternenta
Eaprot tani thariges to Niedaniial ptsitkor ore short, Ihieeikurn and kbng tern
Iyorizons based ur Ih ant ye strategy to manare dimatewelated rek ang
Iwvestment and disposat pian Irgiudang plans thientity Is not nea
contractunity commiited to
Is planned sure df unding to Inmlermani It strategy. 783-383
Eapected charge to finandial pertormanceang cash low 2orpes tim
bottzons busad on the sntit Ya strategy to munape Uimiste-telbtet raks and AS
apportunifes

MS Sarzamibery

Report
(PT Batik COME Misa Tbk

227

228

PSPK
Piitar
papa
322
Strategy
xp

Sermamatalty Repan
UT Ratih CAM Niaga Tbk.

ta)

tu)

W

w
Gi)

ta

PSPK 2

Entity -strateey and business (ride tesillenice 10 cilraterelate Changes,
Geveoprmenis and uncertsintes, cnnaidenng Klentifes cirnafe-retated
Faks and opportipnktkes Thu erillty shull Lis civnateretated menano
arityels f0 sexx is dimate mesilenceusing jar approach that Nite wikhi tiba
entity Oirourmnstances (see paragrapha #T-BIB) In providing geantitative
Information the enilty pay disi lose & nye amnbung Or range

(imete pesihence #iscesmen as af the reporting date, which enable seri
te lureteratanit

Strategy ang business (angel #iplicablara Of dimata resileice se sesuneril
Indung how the entity would need to atidresa to Idwntifisti effects an the
clirnuterelated srenurks anulysss

Sigolfizan areas of uncertainty coesidered in Oorriata resitiemce asa meni,

Entity s capacity to adapit Itu siriatepy atu busa rnadel ta cilrute churg:
atom time heran. induding

(UI Finandal resaupaes ana till y smd (esibillty to resporad to he effects
Ioantified in tire dlirnate-relited somnatib anatsis. including to sddre
Climate relates rekeang tortake advantage of (fimete-netated Opportufities

(2) #ntit/s ability to cedeploy, repurpasa Uperade or dezenynbaklan eating,
ari

GI urent and planmesi Ineestiments sffert am dirnate-retated #rilllesilan
adaptation und mpdrtutities For dimati resitencz

Process and periad of the £linnate-related senaria analyas was carried pat
#sclusdirga

Informaban about the Inpetsihe entity osed mctusing

(1) cilreueretites wrenarlis sed for Unilysla and lis dilrces

(2) Fenge varistion of dirnate-nelatad menanas used far anuiyaa

(5) Ansodatkan of olmatereliteri uenarius used with diriste-relatei
Iransition of phvsici riska

(0 Aligormenit af Uirmatusrebatud seen sed wi tr tartest Itterrtslhamsal
aipeemeal on Uimnate Giange

(5) Raticnele for ima chesen climate related ccenarics ane relesant to
sswessing Its resillend to Ulersste-reloted Uhangea Jevdupinenta or
Yndertalnties

(6) Tere horizon usa iramalyes

(Ti Sonpe of operation used Inirialyse

Te bay 2mlurmptinpes ihe enity rasis In tie arus metutling 2sammpllora
about

(| Oirnaterelater pain In the junedictigrs in which the
enlily perda

(2) Manruesongrryc trans

(8) Mutionuk ar reglonsil-tevel variables
Ui) Enerey unage and mix

(5) Cevelopments in tertmiology

Thereparting pena in wtuch the cbmnete-relaled scenano analysis was
carrika at

na

na

IL, 6528:

tot 19?
Nat IP

Piitar

Tsgets

:-

225

223

la

day

tah

KG)
di)

mn

tg

K0)

Ug

di)

vw

ta)

PSPK 2

Thiproceses and relate polides used ta idenfihy asassa prlorilise jarid
mpniter dimate-related peka mutuding Inforrasijun about:

The inputs anti perameters the entity pscs
Titis tt senatio analyals 10 inlbere Ms identifibitian of dirnateteiated

Talang tts appruezh

Aputoocii tc 255255 the nature Ukelihood and tragriitude af the eifecis ul
(hose risk

The prborjil-stleri «f clirata-peliitet rak relathv to other types of risk and
It zpproath

Approarti to rmoriitter ulirrate-retatesi rluks

Thetnge in thur procetees Ie entity Used coriparet With te previous
reporting period and its approach

Process the antity Us td idanlify. ass prioritse and menltor clirate
related oppertunities milad its apprvach Io infor its dentificatan of
(lirnat-Asted Ojporturitss

Tiisadent to wtc Ini proreresses Ol Idenitilying sesessing prioritising,
and monitoring climate-retated rek an mpportunitles are Integrated Into
are (form the entity overall rak munayement procea

Greenhonsa pase—ihe satity that

Absoluts gross greenbdesi 225 eriasian disclosare mpressad as metrie
torres af (OI eeutvalent cl-sslikd 3x

Ui) Scope 1 greenhouse gas erikslons

(DR) Scope 2 greenhow pa emesn

(3) Stops 3 yreenbodss pat erikalorai

Greenhonsa pas emisyane mesorement melhaodolagy In acondanee
wtih the Grenhouss Gas Protocok A Carporata Anounling and Reporting
Standar (2004) unt2w different maKttiod Is redjulred by 3 junedidiicnal
aihanty or stogk cerhange

Dicdoee the spproseh Nite to mesunsiks greenholite gas smiksloni
Incturing:

(1) Me—uremerit pptobeh puts Uni essurmpiiorre Used ti treasure ibs
greentiouse gas emislbte

(23 Rationuile for messurement approach input aned assmplomis teseti to
messufeits geenhotes gas smkalbna

(3! Changes medem messnrement approeeh mput3 and Ssumpilona used
dbririg the reporting perlad anus the ressuns fur Indie changes

Osaggregaled Scope land Scope 2 greenihouse 225 srnisalung between,
(1-Fte corsolideted becuunting group

(3) Other tester exclude frarn paragraph ZSfa)fv)()
Location-baad Scope 2 #resihouse pes emslons In aecondanke With
paragraph 2041) sbd contractusi lasiruments disclosure

For Skope 3 greentanis pas mpesiara Ulltloseg in atuerdanga Wih
paragraph 29(a)0)(3) distozr

PO BSA,
Ba

PO BSA,

Pa Eta

:

:

MS Sartainibeiry Amport
(PT Batik COME Misa Tbk

230

PSPK
Piltar

Metrice and

Tagets Pspx
233
park
23A

1s

Sermamatalty Repan
IT Rank CIMR Niaga Tbk

&
IG)
le
mn

tel

Iw

W
w

(9

@

PSPK 2

IV The Categories ane tesid in Ie anilihya Scope 3 preenkotie Has emisiloas
In secordaner with SHS Protocol Corporate Value Chain (Senpe 3)
Areoenlng arc Reporting Standar (201)

(2) Arititonest infarmetian on fidanced emisans (Cetegoev 1S)

Ulirniate-relited trandika faka—ths smeuntand percentaga of 2saeta or
butines activities vulteranis to dirnete related trahsiton rals

Cllmate-telites ptresical riska—tite amoumit ane perumluge of aweta or
buviresi actWlfirs vulnsruble to clilte-retated phyultal raisa

Cirnete-related oppgrtunifee—the smauni and perzentare of sets ar
trus setiv tie Llkerred with dltrate-retateri opaortlmitise

Gapitat daployrnert—ihe amgunt of capital kependituas finandhg or
(rerstment deployed tevars «|limate-ratat ssi ristes ar tepptrtursiiles

Internat carbon ptices—ine entity shall disciost
Apgitis- ntar of carbear price iri decisiatkerahlrng an lte approasi

Thisprice ot cagh metic tania ol greehhoLsa gas emissibme Ine 2erlihy
(133 fo seen the c0st3 of lin gresnbouse gas sman

Remuneration—the-amitity sal disco

Beseriptipn Of «limate-retated corsidenatikane tactored Into smeclitive
remunerallan and As approach

Pertentage of —esutss nemuneratian In the 2urrenit period finhed to
dirmat-ated Crekteralims

Diantilktive and Goslltati Cilate-related targeta Il has set to manitur
progress toward athieyng Its strategik goal. and any targets It ereguired
tt macet boy Law Or rayuilatiara Inctucirat ary gresnboues gas embaloris
tirgeta Foresch target. Ie entity Shasll disctoze

Vine mmktrie test tas set Ah target
Thincibjerthe of the target

Tie port ad ihnentily ta weiich the target mppiltes
Thisperiod over which tite tirgst apple

Tie tnsser periau form Which progress Ie meesurat
Any milestohes arit Inter targets

IP tr target le yuan aries What N bean salut tirget oran iriterralty.
target

How tie latest mternatitmal 2greeyeent Oon dimete change, Indung.
Juradictionut c0ereitrrasnta Usut arsa trom that ogreernent ea Nocrnad

Ih target

Approart to setting aeewing and monitoring pepe asasi aah
target Induding

Walidaticn Of the- target and the reethhodoloay far setting th target tv a
third party

Ertey procses for revemag The target

Metrics used to monitor proyress toward reathirig thl target

Any eessigre fo the target and an eglanabon Tar those revisuna

7”

Tarpete

2063

G3)

Ia

W
W

da)

m

t

@

@
W

W
w

disi)

PSPK

Petlommane agaltsteath dirate-retsted targetard trend analysis ar
changes m perlurraance

For esth phemmhouse gas emsalons target diadlbsad in accordurite sulit
paragraphs 33-35. an endify shakti disclasa

Which gp—nbaue gs are g0venai by the tirget

Grerage af Scope 1, Scope 2 or Seape 3 peoenfknrie pac emesipan in Uie
@mlilVs target

Diselovure of gross dr net greenhouse gas errissiona target. IP the entity
sets a net greembouse gas eresuurs fareet. (tmust alan descloar ita
sas0t latut prues #misulors tergat seplarutely

(the target wes derived using ssertaral decrboneatian spproath

The entitys pilanmedi usa el carbon ceudita to Offset prourihowss pas
#rhissiona to achlewe ary net preenhowas pas emaatuts target.

Pellane cm artian credits bo mehiisar net prenmihovs gas semissiotis tarast.
Thirc-party scbemela) tttat serihy Or certily tis carbon credit:

Types ot carben credif. antliuudirig Winetttreer tie taft old take mnattrre-tsasaee tar

tezhoolegicat carbah removata: and whettter the offset athleved through
Cerbon peduatian or remonal,

Fittiars fee tirag Unas creblitallity arved Itegrity di Uus pobasurasat tadas cah cabean
cdi

Ar entity fhuat guard infpates le corpunurlal barkirag avteollisu ahaii dibeli

Its absolute gross financed smissone disepgregated by Scope | Scope 2
Industry—An entity hati aze Ine indostry darsiiantron establiehed by ine
pepulatin to claselly counterpartkes. rellecjirn the Latest versikar of time
(lissifitotibn Syatern avsitable at the reporting dite

Ascat clawe—the dwlosyre shall Indode los project finance. bones.
seguity kewearrrents ariel Lnafraw baars comyutrraseeta His aepility calcudktan
arus Secinse financed erneusiara for cifer asset diatssa M shi include an
eplanatian af Why ttm inctusion Of three siditional aset class provides
relevant Idforrmavan to Users of geneul purposs finandal repurte.

ME gross sepesure to-eath jndustry by asset class capraed In ih
presergatan turrema af te entity (Ibamelal staternurts For

Funded amount-—giosa saposare prepared kdccordante with IFRS
Accounting Standares ar dtirer GAAP.

Undenan loan cominitrnatit

The percentaga ot the-entitya greee eprsure meludes in the financed
#misslors taltulation The entity shali.

If less than TOCES of gross 2nposure Is nduded in tb financed aminn

(Heater Uci te melusors and spetiv ir tvpes of 2esots entuoeti.

For funded amgurita 2edude (nur gross snposure ati impacts af risk
mikiganti W applicabte

Dies separutety the genceritage ol ita undrawn Loan cormnlirnenis
Included in (he finance emesgns sultalaton

The methodology used to calculate Hinanted emnisiina. Includlrik Uk
alloctian method (or attributing 2rbslors based on the size of gross
peura

MS Sartainibeiry Amport
(PT Batik COME Misa Tbk

231

232

Sustainobility Accounting Standard Boord (SAS8) - Financial Sector

tade Desetature

FNCBOODA (1 NGmborand () sulus ofohediing and savings socalints by segment fa) personal and (bj small
business

Eh-emobod ““$ Nimiberand Pj uli Ul koata diy meaiiort: fa) pesona and (bi eri bosiiar

Dasa Security

FR CB250a1 (1) Nomiber of data brvoches () percartage Invohing personally dentifiabks information (P1), ()
number af account holders afected

FNCB 25022 Desenption af approach to Kimritfying and addressing data security risis
Financial Inclusion & Capocity Duliding

FNCB2s0a1 (I) Namberand (2) amount oFpast due and nonacerial Ioars gualified to programs desgnad to promote
gua bumnoss and community deselapment

FNCB26022 |I) Namberand () amount oFpast due and nonacorual koars gualfisd to programs designed to promote
amal bamnee and community dovelapment

FNCB24011  Mumber ofnio. cost total chockinig 3boourits provided to provioualy unbankad at Underbankad
CesIOMOr

FNCB2401x Number of partkipantsin financial literacy initiatives for tinbanked, underbarikod, or undersetved
CEsIOMOrL

tncorporatlon of Environmental, Sociak and Governance Facors In Credit Analysis
FNCB-aWla! Commercial and industriai credit crpesura. by industry

FNCE-ilOa?  Desemptioh oFapprodch to Inoorparation of ervironfmenbal social and ooverane (ESG) factors in crodit.
analyas

Business rehkes
FNCBSIOa1 Total amount af monetary kes 253 rosuh of legal proceedings 2encinted with fraud. insidor trading,

FNCBsioa2 Description ofWhisieblower policies and procedutes
Sestemik Rick Management

FN CB35nai Global Setemically important Bank (G-siny sore. by catogoty,

FNCesata? Deseriptian al approach to incceparation df ereronnental sociak anti goweranen (ESG) laetori in cmd
anolpas into capital adeguacy planning, long term corporate strategy. and other business actinties.

XI)S Sesgamatalty Pepant
UT Ratih CAM Niaga Tbk.

ASEAN Corporate Governance Scorecard (ACGS)

Level

8 Sustainability and RosMence

Bl Sustainability-ralated disclosure should be consistent, comparable and retlabie, and Indude
rerrospeciive and forward-looking material Information that a reasonable Investor would
consider important in rnaking an Investment ox voting decision

Bal Does the company identilyheport ESG topics that-are material to the organization's sirategy? Ta

B2 Does the company Wentify climate change as an sue3 Panu

813 Does the company. adopt ani Internationally tecognired teporting Iramework Or standard fot ta
sustainability (12 GR, Integrated Reporting. SAS. IFRS Sustainability Disclosure Standards)?

B4 Dos the company disclase guantitatve sustainability target? kai

815 Does the company disclose siistainability-relatod pelformnance progress In telation to Its za
previouslyset targets?

BhG Does the company confimm that its Sustainability Report/ Reporting ii evewed and trapproved. 3577 00
by the Board or Board Committee? kang

B2 Corporate governance frameworks should allow for dialague berweon 3 company, Its
Shareholders and stakeholders to exchange views.on sustainability matrers

821 Does the company enga0e Internal stakeholders to cachange views and gathor feedback on — T7I-I73

sustainability matters thiat are material to the business df the company?

R22 Does the company engaas external stakeholders to exchange views and gathar fedback on ma
sustainability rnatters that are material to the business af the company?

The corporate governance framework shoukd ensure that boards adeguately consider
materlai sustainability sks and opportunittes when fuffillino theis key funcdons In revtewing,
monitoring and guidina governance practices, disdosure, serategy, risk management and
Internat control systems, IncludIing with respect to cilmate-related physical and transillon
nsks

831 Does the company disclose that the board reviews oh-an annual basis that the companys capital »
ard debt structure is compatible with its strategic goals and its associatod tisk appolite?
B4 Tire corporate governance framework should recognise the rights ofstakeholders establishod

by law or through mutual agreemems and encourage active conperalian betweon
corporatigns and stakeholders In creating weaith, Jobs, and the sustainability of financsaily

G

sound orwerprises.
B43 The srstoncs and scope of the company afiorts to address customers wolfare7 233
542 Suppilarcontractor selectian prodedures ES

B43 This company's afforts to-snsure that its value chain is environmentally fiendiy or is obnsstent 85 NM 03
with promoting sustainable development?

BIA The companys efforts 10 interast with the cammunitis in which they operate? W4-100,

ML Sartamabey Ampat
(PT Batik CAME Wiga Ttik 233

234

Bas
846
B47

872

The comparyys anti-certupuon programmes and procedures?

Does the company have a separate report&ertion that discusses Its sifarts an environment
Rconorny and social lesuwe?

Where stakehiolder Intoreszs are protecred by law, stakeholders siouki have the opportunity
40 Obtain effective redress for violation of their righas.

Does the company provide contact detail via the companys website at Anna Report which
stakeholders (eg customers supplisrs, general public etc | can use td vaioe thair cancerns and/
Se Manga Ren Pesepak DEL Tanpa)

Mechanisms for employee participation should be permnitred to develop,

Does the cotmpany @eplicitiy disclosa the police and practites on health Safety and wolfate for
Itsemployaes?

Does the company expicitty disclose the policies.and pracbces on training and development:
programmes for its employees?

Does the company have 3 tewandkampensation policy that acoourits for the performance af the
company beyond short-term financial measutes?

Stakehotders Induding IndiMidual employee and thoir representative bodies, should be abie
t0 freely communicato thetr concerns about Illegal or unothical praciices to the board and
thetr rights should no be cozmpromised for dolng thls.

Does the corripany have 3 whistle blowing policy which includes procedures for compiainis

by empiloyees and other stakeholders concerming alleged Ilegal and unethical behaviourand
provide contact details wa tha company website or annual report

Does the Company have 3 policy at procedures to protect an etmployee/percon Whb revezis
alloged illegal/imnethical behaviour from retaliation?

Level 2 Bonus items

Ben
(Bj812

IBja13

(814

(ajans

Bale

tej2y

Does the company disclose how It maria9es clirnate-related rsks and appartunitles?

Does the company disdose that its Sustainability Report / Sustainability Reporting is edernaly
asu

Does the cosmpany dizclose the engagement channel with stakeholdet groups and how tie
respondds to stakeholders ESG coricerns?

Does the company have a unit /division / committee who 1s specifically responsible to manage
thea sustajnabiliry matters?

Does the company disclnse board of dirsctorgkormmissoners cversighit of sustainahitity-telated
tisks and apportunitles?

Does 1he company disclcse the linkage between executive directors and senior management
Tumuneration and sustainability perforrnanea far the prenous year

Is the company/s Whistle Blowing System managed by independent partles /insituticns?

205 Serpanabilty Pepart
UT Ratih CAM Niaga Tbk.

Han

42

64, 129-130
167 168

Independent Verification Party saus aa in

aa

pwc

LagaranRepert No. N20RIOM YOMIDG2LIPA/ OB

Laporan murans Independen derigan keyakinan terbatas
atas informasi keberlanjutan yang diidentifikasi dalam
laporan keberlanjutan PT Bank CIMB Niaga Tbk dan
entitas anak

Kepada Diraksi
PT Bank CIMB Niaga Tbk

Kesirnpulan koyakinan terbatas

Kami) tolafi melakukan suatu petjaatari beyahlnat lortiatas
atas Informan kebedanjutan yang diidentifikasi dari P7 Ank
CIMB Njogu Tbk dari Entitas Anak (“Grup”) yang tarcanturn di
bawah Ini tar dimuat pada tegian “Informasi Kebartanjutan
Verpilin dalam Lingktp Lintas Assurance” dalan Laparam
Keitrnetonjutarn Snap tahun 2025 infomasi Kebertanjutan
yang Didamifikas) tanggal 37 Desember 2028 dan untuk
tabu yang terahtur padu tanggal tancabut.

Bareasarkan prosedur yang teliti kakrmi liku ce bukti
yang kari peroleh, tidak turdapat hal yang menjadi perhatian
kane yang menyebabkan kimi yakin bata Intormagi
Kabertanjutan yang Uieteniilikas nwlik Grup twsggal

91 Pagamber 2025 dari untuk taiun yang barakhir pia
tanggal tursebut ndak dinusun, dalam semua hat ynog
maloriat. sesal dengan katana yang dgetaskan pada bagian
“Informasi Ketertanjutar Tefgsdif dekaia Lingkar Lernferet
Assurance” Jalam Laporan Kebisrlanjutan Geup tahun 2025

Informasi Ketrstanjutan yang Olidontifikasi
Informasi Koteertanjutan yang Dindentikarsi tanggal

MN Desambar 7025 dan unluk tuhun yang baraktir pada
tunggal terKebut dirangkum Kobragrai banikuti

Indopendont praclllonor'a Imited sasurance report
on tha Idantifod sustninwbility information in

PT Bank CIMB Niaga Tbk and ita subsidarles"
austalnetlity report

To the Board of Director of
PT Bank CIMB Niaga Tdk

Limitad assurance conctusiun

Wee have conduetod a limtad aanuranon engapomont or ih
Idoniiiot suaminabiity Inarmatian df PF Bank CIMB Niana
Ttm sandi te Sebaidiariea (ihe “Group listed baldw and
tocbeetat tr itu “Sofoctod Suatatabitty Informatort Waist Ie
Segpe of Laratad Assurance” section of tha Grouy w 2625
Sustainability Raport (Iu dung Susan
WorrnutibeY ax-at 3 Cocembar 2025 arit foe the year tian
ma

Bosod on dhi procesures we have performed and Uh
Owtance wa five obtained, nothing has game fo our
attonton Ihwt covaea us to bolewe that no Grain
(eemtiast Sustaktatiity Information as at It Docombar 025
(aril for tfie yaar Ihon andet is not preparec. in ali materi
Peopesta, in acowdance with Io erdterln mppUnet as exploiree
in ihe “Soloctod Suntaisatiity Information within Ihe Scope of
Liritas Asturanen” zactian afihg Sroup'» 2023
Sustamubilily Report,

Identihed Sustainability information

The ittonsifisat Sustuirnmbilty Intommatine ag at 31 Oncemtier
2025 and for the pair then andad Ia summwarlsad below:

Wtormusi Keberlanjutan yang Sawan Idantifiod Sustainability informallan Unta
DlidentiMhasi

Emisi Gas Rumah Kaca (GRK Yan molar Greannouse Gie "GHE) Ermasions - oa”
| Cakupan kene Seapa t

Emisi GRK — Cakunan 2 — Lucalida | ion setara GG Erressiarg Seapa 2— Locatian based | TGO1
Bused | C0s

Kantor Akuntan Publik Rintis, Jumadi, Rianto & Rekan

WTC 3, JL June Stullrmati Kate. 29-31, lakarta tagao — tudonesiy

The Con) s00g 2001 fanen 2001
Wake Len) soo gang / nuno saga

Waton Ass sses madara WP

MS Saganokdiny teport
PI Band CIMB Niaga Tik

235

236

Kayakinan kami Hanya mencakus infoemesil tangal

AN Desambar 2025 dan untuk tatsuri yang tonakhir tida
tanggal lersebaut dan kami tidak melaksanakan prosedur alas
porlodeserlode satuhunnya atau hal Lnirnya yang tercamiten
"alam Laporan Keberlanjutan Grup Lahun 2026, oleh karons
Itu, kami tidak menyampaikan kesimpestar cra tes Ira,

Basis kesimpulan

Kami melaksanakan perikatan keyakinan (orbilen
botitasarkan Iitetitattarat Standard on Assurance
Engagoruntu (BAE) 1000 (Revisot). Asswange
Enyjayamora Olhar tban Anin or Rovlowa of Kistoreat
Finangaat tntocmuton (ISAE 3000 (Ravixed) ) dan totkalt orrisi
Gus rumah kaca, Intortsatianat Stancdtunt an Assurance
Engayeitonts 3410, Assuranos Engagumenta on Gretitouue
Gan Statumonts (SAE 3410”). Yang dieklapkin cokat:
Iemahonat Auiling and Azsuranco Standarcia Bore

Kart percaya butww bukti yang kari peroleh adalat cukai
Gan tupai untuk rrionjadi dasar bagi kesimpulan kami.
Tanggung pwob kami berdangakan Mandar ini diussikan babi
lanjut patia bagian Tanggung jawab prosdai tata taporan
Kanetal

NOT MN TC0MAUPA TN

KOS Surtamatainy Pepani
UT atik CIMB Niaga Tbk

Informasi Keberlanjutan yang Batuan | Wentifed Sustainability nformatan Unita
Diidentifikast

Emisi GRK — Cakupan 2 - Mahal Won mba GNG Emkssions Scope TI  Markal barad | 1COK
Barou CO:

| Wanabuh net baru dar sagman Jemiah New adiive low-ncome Customers kanba
masyarakat berpengttasitiar rendah nanahan Customers
Enwibyes Valuntser Program. Pm | Emmtayee Veluntaar Frogram howa
Kuryawan yang Mosohut Palaikan perlah Ereloyoa trawud In Sumlarubit mumber of
Kebertanjutan karyawan. #enployong
Pembulian air m Water putehera -
Timbah yang @naniikan tan “Wasta genarntod' tangal
Kesenjangan rata-rata upah gondar Tao Gandar pay ruo ratih

Our asmurance any sdverot information ae at 31 Decamtrar
2025 and 15 to yaa Uas @euhsdd net wa hunves paat
performed any procoduron Wih mapaet Io odtlidr periode ci
any othpr alomonts incloded am Iba Groups 2016

Sustuinatiky Report atuk, Irirekor, da nat mrpeoea any
conkilumian Horan

Basis for conelusion

We conducted aur benllod? asaurance enpaparmnani In
cecondarew with Iwarnalcnai Stanitard on Aksumnoe
Engogemunts (SAE) 3006 (Anvised), Assurance
Engaypernesata oliper Ihya Audts or Reriwws cl hatcrncat
Finpasial Informatiam (SAE 3000 (Revizod)) at, In suspanet
Ol memnhouso gan ceiesiona, Infernatibem Standard ori
Asmrancs Engagomonta 3410, Asgurange Engagomanta on
Groonbovse Gas Siatomentu (ISAE 24107), lesire by thn
Intotnationa! Audifing and Axslranos Standards Board.

We beliawa (har Ii #vitonoe wr have obtaises i suffitieot
and appnopetnte 19 peowkto a barwr for over canckumian,

Our sapenaikiitios undur tuse atmuteda ane furhar
Geseribed in to Praciitjoner' sexponalhilitisa dectida Of Ot
rapat.

7/6

pwc

Indopondenal kari dar pergerakan eenatu

Kari talah mematutu katontuan Indopandenai dan ketentuan
tika lainnya yung relevan datar Irternattane Code of Etc
Jar Profesional Accowntanta (termasuk Intornatkiriat
Indopordonce Standaras) yang ditatapkan alah Intornatnapi
Elhvos Stanuiude Board kur Accolintomta. battandeskan persia
Makar yaitu Inlogritas. objoktvitas, kompototul dan Wobuditis
hatian profesional, koranasinan, sena perttaku prolesional.

Kamtor Akuntan Punilk (KAP) menurapkan Internatknal
Stunetord an Ovalty Itanagement 1, yang munsyaratkari
KAP untuk marsocang, menerapkan dan inengopurasikan
Statom manajemen mutu, tormapuk kutijakan aluu peopedur
mongenal kepatuhan terhactap Keluntuar ella, stator
professional Wari ketentuun perautan pisundong-indangan
yang berrliilaa

Tanggung juwab untuk Informasi keberlanjutan yang
diidantifikani

in PA: PA PE Ski
Penyusunan Informami Kahrutanjutan yang Olidentifikasi
sesuai Uragan kitorin yang dijelaskan pada bagian
“nloernani Kebertanjutan Terpilih diatur Lingkup Linier
Assurance” dalam Laporan Keberlanjutan Gtup tahi
20251

& Merancang, mengrapikin dun menralihura pengerktikan
Internal sebogmmina Sanggap podu oki Grup untuk

tahun 2025, yang babas dar salah saji mutarial, baik
karena kecurangan maupun kesakihan: dur

&. Perrillhan dan penerapan metoda polrporan

koberianjutan yang sesuai sbria penetapan #eumul siar
Sallmasi yang wajar segudi dangun udaari

Pihak yang bertanggung jawat atas tita Kelola bortintidung
Iryah untuk mangawasi proses pelaporan keberlanjutan,

Indogoodt OOUDOAIPA/N6

Ow indopandance and guslity managamant

Wo huwo compud with Ino ieetmperetanca Ha other ethicsl
teepurarrarata Of tra Interralonat Code of £thica Kor
Pebtassional Ascourtfnts fincluding Indernaiforaat
Indopendanoe Standarda) Irsuod by Ino Intunatiman Etios
Standards Bow far Acsountanta, #hichia faundodf an
Yungamantal principlss of irtogeiy, atjusteay, puntesslsnat
20 sn
bai

Tio Tiro agiidon kuemationsat Standard on Guality
Murngamors ?, which reguires the dim ta domon, wnptornurt
and operato a ayatern of guniliy munagaman Inckiting
palciss or procodurws regarding complete with uihica
rerpamementa, Arofesiranal mandarin asu applicabro hegrul
nd rogulalary #eupuitwrmerite.

Responzihilitian far he Idontitkett sustainability
Information

mu t0maduknd redaman
The ptoparatian df Ino Isanihed SustainabUy
Ieforrsatian in aecordnaca with te cnferia poli an
Opa in the "Siotestea Sustainability Inforrmatisan
wibin ito Senpe of Limitac? Asxursmew" mectisa ya Ius
Group'r 2025 Sestenubilly Rerort

& Desipring motemonling ant maintainin sbch intarim
motiroh as thp Group determinas is nacagaary ta #nadio
the prupuratlan of Ihe Ilantiling Slntairetitp
Informabar, in secaraneo with Ihe criteria aaphod asi
Saplulned In to “Salecoe Sustainabiiy Intorroation
wifhin Ih Sapa af Limled Assuunee" sactitin Of Mn
Graup'3 2025 Suatoinarihty Report, hit Ia Ires bot
mutteniat tmestahoment, water Suu to rawit or oeror,
dara

"Thu soloctiber imut Rapilisetian of approgriato
mtainasiIty reporting methods and making
SSSPAKYIr rx @atitanos Ihat are resrsonahic in (mi
Uirewnatatoan.

Tose ehargud will gowemnanze are reaponubile far
Owuksoning Ho Geoup'g sustainabiltp reposting process

MB Sentanabdiry Report
PT Batik GMB Dilaga Tik

237

pwc

Koterbatatan inheren dalam penyumunan Informasi
Wodartanjutan yang didontifikani

Katiatfaan praklik yang signifikan sobugui acuan untuk
mengevalkasi dan mengukur informasi non kouangan
memungkinkan digunakannya ukuran dan toksik pesnguhiian
yang berbeda, namun tatap dapat diturima, dan dapat
memanganihi Ingat keterbandingan antar enditas.

Kuantifikani GRK momaiki ketidakpastian inberen karun
katertatusan Im pengetahuan yang belum sapenuhnya
mampu digunskan Untuk mementydkwri Nabtcor sesi dara roll
yang dipertukan untuk menggabungkan emil diwi boorrtitnrgisi
loniis gax.

Tanggung jawab pesta

Tanggung jumub lori setalah Untuk mersncanska dan
melaksanakan perikatan asurana untuk meumperaleh
keyakinan terbatas tantang apuhah Informasi Kaberlarjutan
yang Diidentifikas betina dari sada aya saseried, bak yang
disebabkan oleh kecurangan maupun kesalahan. dan untuk
menamatkan laporan Keyakinan terbatuw yang mamuat
kosimputan kam. Kesalahan penyajian dapat dlsebiubkan elah
kecurangan maupun kesalahan dan dianggap mutan jika,
baik secara individual maupun aesarn pgeogat, dapat
Wokapuktoslkan sarat wat aka mtrmangamuhi kepulkasan
yang diawobil oleh pengguna berdasarkan Inoonowl
Kaberlanjutan yang Ordentifikapi,

Sebagai bagian dari suatu porikaton hoyakinan kertiatan
Derdasarkan (SAE MMO (Ruvisow) dan ISAE 9410 kare
@wapikan petinlsanyar ptotesiara (tan mempartatankan
Me Na aan sangan Jika Kar Bap
Monilai kesesuatun, dalam kondisi pangyundan Grup.
atan kitaciu sebagai dasar penyusunan Informasi
Kebatlanjutar yusny idesriffiuse.

8 Melaksanakan prosedur penilaian risiko, termasuk
memparleh pemahaman atas pengendalian internal
Yang rdlevan dengan persuntar, untuk munyiduntifikan
aroa dongan kamungkinan timbulnya kesalahan
penyajian mutariat, baik yang disebabkan alun
Kecurangan maupun Mesarlatar: rami Nda kanttik
(uluan membatikan suatu kanimpulan atas dletlivias
panpundakan Internal Grup.

NATAMDI TOO UTP ALAN

238 KOS Surtamatainy Pepani

UT Matik CIMB Naga Tbk

Inboroni Imitationa In proparing the Idontifed
sustainability Information

The libaence df w sigilhemat body of entabilahuwat prsdtne kun
wtich to draw to valzate and measwo nominasi!
snfonmatian akang for diffarani, but acogptabla, monyurna
3nd measurwmuat tocitiguwa aril con affact ccunparatility
bolwoen enttisz

Seoenhowan gas gumnttidcsilon Is subjeet fe anyanerd
@ncartinty becarze of Inconpiote #cisnlifia knawlodipa unad
Io doterenne #miralare factarn and the vatusa nemdatito
ciwabina emiysiday Of ciferart paten

Practitianer's responslbliitkin

Cwe rerporsibittz fto plan and pertbem fto amsurancg
engga to abitain Iintietf assurance about whother Ii
Kania Sustainability Information ia hwa rom matoral
Temesata man, wnathor dum to irawef or anror, andi te iss at
Irnttod @ssurance repert hat Wchustus ola coneluaran
Misatatcments cari @siae tham Irousi Or error abad at
Consitdarad material IM, ndwkhay or in the agarngate: they
Could #easonabiy ba aepneind to inluanoe the darimana of
vrara taken an Mia tawa Of Ike identihod Sustuindbity
tntarmaman.

Ae puwt ola lnrutedi maxtranca m aocanianco

wi ISAE I000 (Ruvisew) rd ISAE 3410 we exercxiw

pofusmonal judgoment and teatari prolvailorat scepticisot

Meusghout ihe engagerrati, Wa also

0. oten Iis suttidilky in Ika cihsumatnnces of in
Grouyrr use Of (ie crikeorio ag the borcti Kor Iis
Preparation of the Idanlifioe Seatamatilny tomat

«Perform clsk aesessmoni procedures. including obtaining
an undbratanding ot intornak contral celavari to Lho
engogomnant, fo kdarity where eatariat miwatnemernta
aa INGIy 10 2rase. when kan to fatich ar oran, but not
Jar the purpoa ot petrokiing » conetuskan Ori te
@octivareza ol iba Group naa cantrol,

PI

pwc

8 Merancang can melaksanakan prosadun yang reapoorif
terfusdap ara ci rana matah suji retarlal mungkin
Unntiul dalam Informaal Kobertanjutan yang Okdeniitikasi.

Dalam perikolan koyaklnarr terbatas melibatkan provodur
untuk mumparalah bukti farkoi Informasi Ketseranjutan yani
Diktenlilikasi. Prosexdur datamn potikatan keyakinan tartotas
butboda Gaiam situl dan waklu petakzarannya. aorta debit
Iurbatag cakupannya dibahdingkan petikan kayak
mamadai. Akibatnya, tingkat keyakinan yang «iparokeh wulan
kayainan terbatas socara sutritamel kabiti ranctati

parta pirtimbangan profesional, lermusuk muspgkdher kas cl
mana kesalahan penyajian maleral mongkin Mmitiul datar
Informasi Kebertanjutan yang Dodentiikasi, baik yang
Olsebatkan oluh kecunogan malpur kesalahan

Dalam melaksanakan patikutan keyakinan terbatas, kami:
“Mendapatkan pemahaman tentang pronen pelaporan
Grup yang raheran dengan pampesunan Infomasi

Kebaranjutan yang Dldiantifkani Wenga

» Mominta Kotarangan dari pornonel yang bertanggung
Wiwab atas laporan ketrertanjutar,

& Mamariksa dokuman yang rolayan torkait proses
palapetan Grup,

“ Menguvaluasi apakah saluruh Intormins yang tiiktentifkani
molalui proses penotapun Infoemasil petapbtun telat
tarcakup datarm Informani Kebertaryutan yangg
Diresaentilikasi

& Molokukan permintaan keterangan kopantu persona
torkait sara ptesedur analitis atas indornatai teepdi desire
Informasi Kebertanjutan yang Oidoritiiksisi.

« Matiiksanakan prosedur pubetunii Atom Informam terpilih
datar Inter Kebertanjutan yang Dintantilikasi.

NAN MANA

0 Design and:perform procoduros reiapanahas Io whars
metwial miastatomnanta aro Akal to arsa in tha Kantiked

Sustairratelity kios Te blk 2 not detecting a
#naterial enbatotormiant remuliry roti Eric bs tunghesr bian
Terong resatting from orrar, ne hayd may involve

Sumunary af thu work performed

A firted sasurance angagurami Invotves mororming
peocodwes to obikin svldancg about ine Idenlifiad

SUR niy (ormarian. Te procekdures ik a Anutot
FEELAAAN angagament yan” nature aret Iring tom. ane
Ayo losz Ur ester ur lor, a runsonubie assurance
Engagement, Consomieniiy. Ike Ikat of assurance obialned
Wa Renita aaauranco wagapaman Ia Muba any tawar dim
Uw aesumaan that would Maa dear Obimroc kada
ransunuble warurunge Mngingparra Jie pe karen.

Tie mature. tinmog unik axtaeit Of procooures salosted dahurad
Ortprotamonat jadgomnent, inctuding ine Itonuticahar of
wars matarial nusstntn rta re Mbety fo anime Ar th
Idervifieo Swatainatilty Intormnban. whotker duo to Gaud ce
Orroe

Int conducling uur Nnvilod aszurancw engagerraei, we

& Obtairietl sir uriddaralaridiny af the Group '$ reporting
Pieszas relevan. to Ine prsparation of Itk Idontiiod
Suatainabsaty Informatkar by.

«Making Inmuirina of ttie permone responsibte for Iu
tutatanatii!p raport.

"— Innpocting pulawant #acletimntitian aluting to Uus
Genup's reporting procoases.

& Evahuatad atefor at informaton idontiiad by Ia
proses t0 Adariity rar itiforemsatlor reyaortiat ir tor
Ietomdifincf Guastolrimbtty Isarrmtkar tx lereliokmei 30 dino

& Pertormat logukies of rulorant percormot mud snalyticar
Procedurus ran anjustad Information Mm the Idontitied.
Sustairabilty bdorenaltara.

& Perlorinint substaniked assurance procedunea wr
Afoematkirn,

MB Sentanabdiry Report
PT Batik GMB Dilaga Tik

239

240

pwc

# Mangewaluasi kesesuaian metoda duonlilkasi dan
tebijukan pelaporan.

» Mangewahas matoda, osumsi dan dala yung digunakar
Gulam pengembangan elite

Pembatasan atas distribusi dan penggunaan laparam kami

Laporan kami ditujukan mominto-rmukle kopada Dirakal untuk
mambantu Direksi dalam menjalankan tanggung jawab tata
kesinia dongan mermpecolah tagioran krturitres Intaponden
torkasit Informasi Kebartanjutan yang Diidnntitaarsi.

Kimi did martarma kewajiban, tangung jawati, aka
Tuntutan kepada pihak selain Grup sihubungan dengan
Japaran ini, maupun kepada Grup atas xonebuarsi cai
penygunaan atau pengandatan atas taparan ini untuk tujyan
lain bobngoimana Bimuksad atas. Kari lidas enembierikan
bkarnyataah mengenai Kesatuaian laparan ini bagi pihak salain
Grup, dan apubita pihuk sefain Grup memikh untuk.
menggunkan atau mangandalkan laporan ini, maka tut
tervebul sapenutrwya menjadi (iniko pihak tersatrat,

dakanta,

1 (Maret:

KI Pangestu, S.E, GPA
TA Pa ne Je UE DA AT n

ARUS PUONDEDIPA TGT

KOS Surtamatainy Pepani
UT atik CIMB Niaga Tbk

& Evalumted Iheappmoprintaness of gumntilicanan method
and reporting polisies.

&. Ebilatihi lho mmihestt. marumphon and data tor
Hoveloping eetimahsz.

Restrletion on distributlon and use Of our repart

Our raport & intondud sala tar the Baard af Olestprs to
aeniet Ih Barat Of Dissetora in semponding 10 Midh
Fovemanca responaitalwa by obtaining an Indepundont
senrance repot ia connedlian with Ika koniiiod
Suatoirobilty Infoernatkar.

We ncempt no duly. responarhihhy or hatulity to anyone Other
Ihan Ira Gruup In connection witi Itla raport or to Lha Group
Tor thor cansagunicon af using cr relyina on il Joe purpose
Other hu Itiat roterrasi lorabavo, Ws make ro reprasentatkin
Gonserring the appropriatanes2 Of (hits report far anyone
otraser Iva (hot Girataa and If arirotne cat tnare the Group
Uinons lo Lae ar ray Gen At toy ot 20 al Utusan can pegi

0e

Selected Sustainability Information within the Scope of Limited Assurance

Water purihasa R3

SHS Seupe 1 Ine irde

SMS Scope 2- Lorebun basad 31315 iOe

SHS Seupe 22 Market based 19016 101

New active low incorne customers 350239 number of mstomers
Employee Volunteer Program BE hours

Employee Wained Ws Wstlinsbility 2385 numberaf employee
Sender pav ratio 58 (Female): 100 (Male)

Greenhouse Gas ("GNG”) Emissions

Mayo Tbk os the pareni sality.

Some!

Sonpe 1 GHG eemissione comprise direct amEsime Orang (rom sourzes that are cwned or cantealed by the setiy Indoding
emiamon frorn feel combistipn Iestotioeery and motille saances es weni as fugitiveemissgns frarm these of refrigeronts.

Senpe NGMG emissipes are cofcutnted Using arnasian factors sourced rar officici pubficaticns #seed by tie Minjtany of Energy and
Mineral #esnurces af the Ropubiie of Indonesi and the Intargavernmentat Panel an Oimate Change (PECI anplving tts relawant
Sope2— Locotombosai

Scope? GHG emissipas (Ipeation-beseri) camp3se indirer: amsians from purchased elecerigity cannon, what are colratorerf
using grid ernissjon foctors published by tap Ministry of Energy and! Mimenal Mesawnces of the Republir of Indonesia,

Seed dihetkesei

Scope 2 GMG sniskuns (market-bosed) reflect enialonis from punthised elertricity consumtollah after consalering cuntroctudi
instnumenis hetd dy the entity including Renewobie Energy Certifikotes (REC3)

Water Purchase

The reporting bdundary fur water punch cuwga the aperutibnal oc bls af be hee titian ore bercmbih offices ai CIMB Mon es
(the porantentiy.

Woter-purthuse relevis totut volurne of water purchosed frdis wbter campony Ond/be tarik water, witherenun for the entity S

MB Serzamabdey Report
PT Batik GMBI Niaga Tbk

241

242

Waste Generated

The resartiha boundaty for wes le coeera aperotibnil aetklitks at spetific kdcotlon— harmaly Graha CIMB Noga kend Office Griya
Kao imara Tond 2 Hedi Office Tetier Braner Offiee and Gajah Mata Semeh Offee

The reported wekte cmprse-solid waste denerotad rom oberatlondi octivita:s ot throse locafibr-

Gender Fay Gap

Tia reporting bewmdary Kur (ft gerider joy gap Covers mmplpyees ut FT Baik CUAS Maya Tbk, ori two subndortes whnch ara PT
CIMS Nisyo Seliuritirs and PT CIMB Nindo Aito Ehorite.

The petreer poy gap IS cntcutoted cs the sarankan Letusan the cernage sblury of fernule ernployees ud Ihe average satory Of
mate enpldyees

Tie caleulatkan Of tkw Yaraer bay gap tata Stikes salaries Uf It CE Sputriolks setouleee and Iran

Setory used in the asleulogon comprises bwt satary and uther Reed remumerutiLN compuNent: eHeciya us oi 3! Dewnber 2225

'Realisation of Corporate Social Responsibility (CSR) Funds

The reporting boandary for therediketian df CSR Junds covers com Intursed fdr obthMfles corfted lt by P7 Dorile CIMB Niooo Ttsk
ge the purerit entity

The renlitation Of CSR und reptesenida tie botol occumuloted tost—indunrad by BT Borik CIMB Nioga Yak in the Inpierrentotibit
of vatuntary octiynw— wbether pryantsed Indopendenily by #7 Banh CIMB Niaga Tbk ar corgdurted In calleboroton wittusnternat.
perties during 2025

CSR fundu inclucled 2o77yarises cos related to 2duruton, hecith ang cammunky welkbeng uni smponerment 0 well as
cma aril brivinannyaetntbl melivltkes 4net ora calirud polis ta CSO pailara- cf PT Burak CIMB Atsyes Take Ira ceddittar, CSR pendilure
Ofso Inetudes inter costs #icurred to sapipokt the #nplemnentatiah! mmondgerisat and reparting Of CSR oeliNtissof PT Bank CIMB:
Mago TOK.

The reported arribunt Inthudes cbatu that howe been renlised 02 well os cost that htras ben Indurrad but not yet bai during thr
reporting pear
Emptoyee Volunteer Program

The reporilng boundary for the-Erribloyes Wolunteer Arogrorri covers employee 6P PT Dani CIMB Niaga Tale orid two sutsidores
wire ore PT CM Nego Sebungos ond PT GMBI Niaga Auto Finones

The Employee Votuhitesr Program represenis Ute totol derurnbtoted hotr— of employee perikibation In vofantary ociMtis
conducted an un indoaduai basi or orgonsed by P7 CME Niogo Tb ornd sateidores during 3025

Ia MMR FA Or mama mara satunteer hours cantributed 5y staff, contract ernbloyees. CEO erpateate
gd manogermenit trainee wiych ore colcdated based an (he cetus durction of employee partiapetimn (p valentary getivilirs Gs
recarded «1 (he Internal reparting sitem.

Volunteer cetivites ngtuder comnprise employee, pernapaton in sesal, community and enwironrmental aetivtesihat are oliyned

305 Setanabsiny Pepori
IT Matik CIMB Nitnga Tak

Absentecism Rate

The reporting bolandory for ho abeentesisin rote cobera smptoyess cf PT Son CIMS Niaga Tb at ik: two subsidrses which ore
PT OMS Nioyp Sekuritas and PT (M8 Ning Auto Finenge

The absentesisrn rate rs Coleuloted cs the ratio Of Ifa totol dumber af sid: eove dis to tik averoge nutrber of @ripldye—
Ieudiinted by Ihe tatol mumber af wodilng daya ta year

Working ding Used It the cnteslotiori mnelude weshenda publik halktaya and cotidetive Iedve des In odcondonta with thre offitikal
Koja Dane Hy thre Sovernmen of (he Republicaf Ihoboesia

Ermplopews coralderad in the coleulittion of thenbsertesitan cote Include CEO. Erpotiote-atolf. controcernblopes ohd Mondgerent
Troee
Employee Trained in Sustainatility

The reporting boundary foremployess tedinad In tbinobilily covers ihe number of employe— of PT Bank CIMB Naga Tbk and)
(we sebeidories which are P7 COME Niogo Sekuritas and PT CM Niaga Auto Finance

Sestuinatlity trolning ncdudes troining progforrmnes reloted to sestoinabilty topi Indliding but nat lirted to eliriote change
Sestinubte finonce gni pther related togica

Participerian In sustolvebility troliing Includes srnployeee Who at tended sestoinobilAyreloted troinlag diring 2025 including ato.
comiroct employee CEO eepatngte seconilee and monuyenyat troinee port pants within TIM3 Naga anud ita twg suburarie
The reportitig botidbry for raw active Lustore rn the fow dndome segment code tusforera of PT Sonk CIMB Moge Thh.
New tctive casternera frorn tts low—ngorns sgmunt compriss new (elividuc cestorers (the reporting yesr Wwhe holi savinga

accounti. with oneitadl ind brraw Of hit rribear than ID SS. 200 LOO or rmdrithly Incott of nat nose tian IDR A DOLL5OG In occordonee
with Fesuatlan of the Mernbera of the Boord af Governors af Bank Indonesia Nu Za76/Pana/2ng?

MB Serzamabdey Report
PT Batik GMB Niaga Tbk

243

A Minimalist, Efficient, and
Environmental Friendly
Report Design Approach

We try to presert 3 report that not only considers effective
communication to readers but also considers various things, such as the
choice of typoface and desian style. Enwironmentally fnendiy typetace
can Optirnize pages Usanye when canveying information, but also provide
#esthetically look and case of reading. In addition, through a simple
desiari and concise information will reduce number of pages Therefore,
reducing the carban footprint.

Simple
Not using complicated
terminolbay

Congested
Full of information

Short
Nor wordy

StraighHtor ward
Firm, unambiguous

0909-09-49

Clear
Easy to understand

20)5 Semtamabsiny Pepari
244 Matk CIMB Niaga Tok

MINIMIZE ENVIRONMENTAL
IMPACT ON THIS REPORT
ISSUANCE

We have made great effarts to reduce the environmental impact
you can also help us reduce our environmental impact. Did you know
that every second a forest of the size of football Field is cut down?
Thus, we encouraged your participation to prevent and reduce it
Play your part by downloading the digital version of this Report.

FSC

waw teng

1908

Froee mal: Piesical lam Ol tits Repart Is printed using renycled
Mastagad hirmnte paper obtained throogh the supply chain sustainable
F8C” Cow0000 | andhas bean certified Forest Stewardshtp Council.

RIS Sestawabiy Sport
PI Bank OM Naga Tik

245

2025 SUSTAINABILITY REPORT
PT Bank CIMB Niaga Tbk

KEJAR MIMPI,
TURNING INSPIRATION
INTO ACHIEVEMENT

Isi CIMB NIAGA

PT Bank CIMB Niaga Tbk

Corporate Secretary
Graha CIMB Ni
Jl Jend Sudirman Kav. 38
ad 12190, Indonesia
146221 2505252, 2505353
is 146221 250 5205
Email 1 corporate secretaryScimbniago.co.id

YouTube : CIMB Naa
linkedin —: CIMB Ninga
TikTok 2cimb.nioga