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Paparan Publik 2026 PT Bank CIMB Niaga Tbk Jakarta, 26 Februari 2026 ADVANCING CUSTOMERS & SOCIETY
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Agenda
Tentang CIMB Niaga 1
Progress Strategi dan Ikhtisar Kinerja 2
Kinerja Keuangan FY2025 3
Lampiran 4
2
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Divider: Macro & Industry
Tentang CIMB Niaga
3
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Tentang CIMB Niaga
CIMB NIAGA’S FOOTPRINT FINANCIAL HIGHLIGHTS
Kota Kantor
cabang
Cabang
Digital
Cabang
Syariah 2nd BANK SWASTA TERBESAR KE 2
BERDASARKAN TOTAL ASET
Jumlah aset Jumlah ekuitas
104 394 31 43 Rp 373 T Rp 58 T
Anak Usaha ATM EDC, QR & E- Jumlah kredit Simpanan nasabah
(CNAF) commerce
34 2,786 707,256 Rp 238 T Rp 271 T
Nasabah Karyawan 52% RoE # KPMM/CAR
9.1 M 11,657 48% 13.0% 24.8%
DIGITAL CAPABILITIES SUSTAINABILITY DEVELOPMENT
App Web OCTO Kontribusi transaksi
users users Pay Kanal digital Sustainability Sustainability
UNIT USAHA SYARIAH TERBESAR financing financing ratio
3.8 M 2.1 M 6.1 M 91.6% BERDASARKAN TOTAL ASET
60 T 24.9%
Data per 31 Desember 2025. Jaringan kantor termasuk cabang syariah, kas mobil, cabang digital, dan payment point. ATM termasuk CDM, CRM, dan MDM. # Definisi OJK, ROE dihitung berdasarkan modal tier 1 4
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Divider: Key Performance Highlights
Progress Strategi dan Ikhtisar Kinerja
<Specify Data Classifications one of the following: 1) Highly Confidential 2) Confidential 3) Proprietary/Internal Use Only> 5
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Strategy House – 4C
Advancing Customers & Society
Purpose
“Membantu nasabah dan masyarakat Indonesia mewujudkan mimpi dan aspirasinya dengan semangat bekerja dari hati”
Strategic Moves – 4C
Capital Cash/CASA Cross-Sell Capabilities
Strategy
Optimalisasi modal dan Tingkatkan profitabilitas Perdalam customer relationships Tingkatkan kemampuan untuk
sumber daya untuk dana murah/CASA melalui dan cross-selling untuk hadirkan pengalaman yang
maksimalkan efisiensi dan transaksi perbankan pertumbuhan revenue serta simpler, better, faster
pertumbuhan pemenuhan kebutuhan nasabah
#teamCIMBNiaga Nasabah
Impact
Operasional yang Simpler, Better, Faster Produk dan layanan yang Simpler, Better, Faster
Core Spirit & Values
EPICC
Spirit
Work From Heart
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FY 2025 highlights
2025 CASA 2025 Kredit
Pertumbuhan CASA yang kuat menjaga stabilitas pendanaan di
tengah pertumbuhan kredit yang disiplin
Rp189.5 T Rp238.3 T
+10.1% yoy +4.5% yoy
Pendapatan Laba sebelum pajak
Kinerja pendapatan dan laba mencapai rekor tertinggi di tengah Rp19.4 T Rp8.8 T
tantangan makroekonomi
+2.7% yoy +1.1% yoy
NPL CoC
Kualitas aset tetap kuat dengan NPL yang lebih baik dari industri
serta pencadangan yang prudent
1.81% 0.74%
+5bps yoy -10bps yoy
ROE# CAR
Memberikan imbal hasil yang baik kepada pemegang saham dengan
tetap menjaga permodalan yang kuat 13.0% 24.8%
-130bps yoy +150bps yoy
# Definisi OJK, ROE dihitung berdasarkan modal tier 1 7
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Pertumbuhan laba dan penciptaan nilai yang konsisten sepanjang 5 tahun terakhir
LABA PER SAHAM NILAI BUKU PER SAHAM
(Rp/saham) (Rp/saham)
CAGR: CAGR:
13.1% 12.9%
2,800.9
271.6 273.5 (1)
259.5 487.6
2,800.9
202.2
1,725.4
164.5
2,313.3
1,725.4
2021 2022 2023 2024 2025 2021 2025
(1) Akumulasi Dividen Per Saham tahun 2022-2025 8
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Kombinasi seimbang dari pertumbuhan dan profitabilitas
16
14
Pertumbuhan Modal Inti (Tier-1) (%)
12 Peer 4
Peer 9
10 Peer 6
8 Peer 7 Peer 3
Peer 12
6 Peer 8 Peer 1
Peer 11 Peer 5
4 Peer 10
2
Peer 2
-
0 2 4 6 8 10 12 14 16 18 20 22 24
ROE (%)
Catatan: Kinerja per 9M2025 kecuali untuk CIMB Niaga yang merupakan kinerja tahun 2025. Peer = Bank KBMI 3 & 4 and ukuran lingkaran berdasarkan besar modal inti (Tier 1) 9
Sumber: Laporan keuangan masing-masing bank
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Efisiensi and kualitas aset yang membaik
EFISIENSI TERBAIK DI KELASNYA KUALITAS ASET YANG SEHAT
BOPO(1) NPL BRUTO
CIMB NIAGA: 2021-2025, % CIMB NIAGA: 2021-2025, %
INDUSTRI: 2021-11M25, % INDUSTRI: 2021-2025, %
3.5
79.0
76.9 3.0
73.1
71.3
2.0
1.8
2021 2025 2021 2025
CIMB Niaga
Industri
Sumber: OJK 10
(1) Formula BOPO = Biaya Operasional (termasuk provisi) / Pendapatan Operasional
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Memperluas basis nasabah sekaligus memperdalam pengalaman nasabah
NASABAH BARU(1) (dalam jutaan) TRANSAKSI DIGITAL(2) PER NASABAH
1.8
2.1X
2025 vs 2021
TRANSAKSI NON-CABANG(3) PER
NASABAH
1.5X
0.6
2025 vs 2021
2021 2022 2023 2024 2025
(1) Penambahan nasabah baru bruto 11
(2) Transaksi Digital = Transaksi dari OCTO
(3) Transaksi non-cabang = Transaksi dari OCTO, ATM, CDM & CRM
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Digital mendorong peningkatan interaksi, transaksi dan monetisasi
• Beli & jual emas di • Klaim & layanan • Pembayaran tagihan • Liquidity management
•
208 11
aplikasi bancassurance Payroll & bulk payment system & notional pooling
• Klik untuk menelpon via • Aktivasi kembali akun dorman • Pembuatan billing ID pajak • Hybrid onboarding
OCTO & WA call • Branch Transaction & OCTO • Pembayaran pajak via • Transfer lintas mata uang
Fitur baru di 2025 • QRIS Tap & Tap to Pay Mart Approval Fitur baru di 2025 Billing ID asing tanpa kena kurs 2x
• Rebranding OCTO • 196 biller baru • Penempatan Time deposit
JUMLAH PENGGUNA JUMLAH TRANSAKSI BIAYA PER TRANSAKSI JUMLAH PENGGUNA CA BALANCE# BIAYA PER TRANSAKSI
OCTO OCTOBIZ
5.9 Jt 515 Jt 102 x 10.8 Ribu 106 Tn 70 x
+10.6% YOY +47.8% YOY CHEAPER VS BRANCH +4.1% YOY +18.0% YOY CHEAPER VS BRANCH
AKUISISI PRODUK MELALUI KANAL DIGITAL
Pembukaan rekening tabungan Akuisisi KPR
65% 39%
# Rata-rata saldo giro MTD Des’25 12
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Memberikan imbal hasil yang menarik dan berkelanjutan bagi pemegang saham
DIVIDEN TUNAI HARGA SAHAM IMBAL HASIL PEMEGANG SAHAM
(Rp/saham) Rata-rata bergerak harga saham empat Imbal hasil tahunan pemegang saham yang
kuartal dihitung berdasarkan rata-rata bergerak
(Rp/saham) harga saham empat kuartal
5-YR cumulative returns 128%
1,846 47%
156 1,721
1,500
123
115 32%
30%
94
1,073
997 16%
44
2%
2021 2022 2023 2024 2025 2021 2022 2023 2024 2025 2021 2022 2023 2024 2025
13
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Divider: Financial Results
Kinerja Keuangan 2025
<Specify Data Classifications one of the following: 1) Highly Confidential 2) Confidential 3) Proprietary/Internal Use Only> 14
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Posisi keuangan - konsolidasi
(Rp tn) Des-24 Jun-25 Sep-25 Des-25 QoQ YoY
Kas & Investasi Jangka Pendek 21.20 25.04 25.69 29.08 13.2% 37.2%
Obligasi Pemerintah & Efek Efek 93.81 83.87 93.48 85.47 (8.6%) (8.9%)
Kredit 228.00 231.84 228.65 238.31 4.2% 4.5%
Jumlah Aset 360.22 357.87 369.45 372.70 0.9% 3.5%
Dana Murah (CASA) 172.07 180.64 188.79 189.46 0.4% 10.1%
Giro 91.79 96.03 101.56 103.08 1.5% 12.3%
Tabungan 80.28 84.61 87.23 86.38 (1.0%) 7.6%
Deposito 88.57 81.25 89.22 81.06 (9.1%) (8.5%)
Simpanan Nasabah 260.64 261.89 278.01 270.52 (2.7%) 3.8%
Jumlah Liabilitas 307.22 304.29 313.36 314.76 0.4% 2.5%
Jumlah Ekuitas 53.00 53.58 56.09 57.94 3.3% 9.3%
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Kinerja keuangan - konsolidasi
(Rp bn) 3Q25 4Q25 QoQ 2024 2025 YoY
Pendapatan Bunga 6,206 6,075 (2.1%) 24,227 24,672 1.8%
Beban Bunga (2,751) (2,677) (2.7%) (10,961) (11,196) 2.1%
Pendapatan Bunga Bersih 3,455 3,398 (1.6%) 13,267 13,476 1.6%
Pendapatan Selain Bunga 1,810 1,277 (29.4%) 5,651 5,960 5.5%
Pendapatan Operasional 5,264 4,675 (11.2%) 18,918 19,436 2.7%
Beban Operasional (2,220) (2,380) 7.2% (8,384) (8,925) 6.5%
Pendapatan Operasional
3,044 2,295 (24.6%) 10,534 10,511 (0.2%)
Sebelum Provisi
Beban Provisi (735) (213) (71.0%) (1,805) (1,685) (6.6%)
Laba Sebelum Pajak 2,310 2,082 (9.9%) 8,729 8,826 1.1%
Laba Bersih 1,814 1,608 (11.3%) 6,826 6,877 0.7%
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Ratio utama - konsolidasi (%) 3Q25 4Q25 QoQ 2024 2025 YoY RoA 2.6% 2.2% 2.5% 2.4% RoE # 13.6% 11.6% 14.3% 13.0% NIM 4.08% 3.88% 4.09% 3.97% Cost of Credit (CoC) 1.28% 0.38% 0.84% 0.74% Risk Adjusted NIM 2.80% 3.50% 3.25% 3.23% Fee Income / Total Income 34.4% 27.3% 29.9% 30.7% Cost to Income (CIR) 42.2% 50.9% 44.3% 45.9% Rasio CASA 67.9% 70.0% 66.0% 70.0% Loan to Deposit (LDR) 81.1% 86.8% 86.3% 86.8% NPL bruto 1.98% 1.81% 1.76% 1.81% NPL bersih 0.80% 0.72% 0.69% 0.72% Loans at Risk (LaR) 7.7% 6.9% 8.6% 6.9% Gross Impairment Ratio 3.4% 3.1% 4.1% 3.1% NPL Coverage 199.9% 197.8% 270.0% 197.8% LaR Coverage 50.5% 50.8% 54.7% 50.8% Impaired Coverage 113.6% 112.3% 115.3% 112.3% # Definisi OJK, ROE dihitung berdasarkan modal tier 1 17
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Penyaluran kredit
KOMPOSISI KREDIT BERDASARKAN SEGMEN PERTUMBUHAN KREDIT BERDASARKAN SEGMEN
(Rp tn) Des-24 Sep-25 Des-25 QoQ YoY
KPR, 17.6%
Konsumer 75.75 77.14 78.34 1.6% 3.4%
Korporat,
40.6% KPR 41.83 42.00 41.97 (0.1%) 0.3%
Kartu Kredit
& KTA, 7.3% KPM 17.14 18.15 18.88 4.0% 10.1%
Rp 238.31 tn
Kartu Kredit, Personal
loans, & Lain-lain 16.78 16.99 17.49 2.9% 4.2%
KPM, 7.9%
UKM 26.90 27.30 27.43 0.5% 2.0%
UKM, Komersial 34.63 34.33 35.72 4.1% 3.2%
11.5%
Komersial,
Korporat 90.72 89.89 96.82 7.7% 6.7%
15.0%
Jumlah Kredit 228.00 228.65 238.31 4.2% 4.5%
KOMPOSISI KREDIT PERTUMBUHAN KREDIT
RETAIL(1) RETAIL(1) (YoY)
44.4% 3.0% Pembiayaan Syariah 60.29 58.23 55.72 (4.3%) (7.6%)
(1) Retail termasuk segmen Konsumer dan UKM 18
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Simpanan nasabah
KOMPOSISI CASA BERDASARKAN SEGMEN PERTUMBUHAN SIMPANAN NASABAH
(Rp tn) Des-24 Sep-25 Des-25 QoQ YoY
Korporat,
29.6%
Dana Murah (CASA) 172.07 188.79 189.46 0.4% 10.1%
Konsumer,
42.1%
Giro 91.79 101.56 103.08 1.5% 12.3%
Rp 189.46 tn
Tabungan 80.28 87.23 86.38 (1.0%) 7.6%
Komersial,
10.4%
Deposito 88.57 89.22 81.06 (9.1%) (8.5%)
UKM,
17.8% Jumlah Simpanan
Nasabah 260.64 278.01 270.52 (2.7%) 3.8%
KOMPOSISI CASA PERTUMBUHAN CASA
RETAIL(1) RETAIL(1) (YoY)
Simpanan Nasabah
59.9% 10.7% Syariah 54.68 57.93 50.31 (13.1%) (8.0%)
19
(1) Retail includes Consumer and SME segment
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Kualitas aset
TREND LOANS AT RISKS (LAR), % TREND NPL COVERAGE DAN LAR COVERAGE, %
8.6% 8.6% 8.4%
7.7%
1.8% 1.9% 6.9% LaR
1.9%
2.0% 270.0%
1.8% NPL 249.7% 233.9% NPL Coverage
4.1% 4.3% 199.9% 197.8%
4.4% 3.7% 3.3% Special Mention
2.7% 2.5% 2.1% 2.0% 1.8% Kat. 1 Restru Impairment
115.3% 109.9% 110.7% 113.6% 112.3%
Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Coverage
TREND BIAYA KREDIT (COC), %
1.3% 54.7% 53.0% 51.9% LAR Coverage
50.5% 50.8%
0.8% 0.8%
0.5% 0.4%
(1)
CoC
4Q24 1Q25 2Q25 3Q25 4Q25 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25
20
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Posisi likuiditas dan permodalan
POSISI PENDANAAN DAN LIKUIDITAS YANG SEHAT, % PERMODALAN YANG KUAT, JAUH DIATAS BATAS
MINIMUM, %
24.8% 24.0% 24.7% 24.8%
23.3% KPMM
225.5% 23.7% 22.9% 23.6% 23.7%
22.2% KPMM Tier-1
207.4% 203.8%
198.7%
192.6% LCR
228.42 224.41 224.39 229.18 234.56
115.6% 115.6% 116.1% 114.8% 113.2%
NSFR
ATMR, Rp tn
86.3% 89.3% 87.3% 86.8%
81.1%
LDR
Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25
21
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Appendix
Lampiran
<Specify Data Classifications one of the following: 1) Highly Confidential 2) Confidential 3) Proprietary/Internal Use Only> 22
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Sustainability pillars
CIMB Niaga is committed in integrating and harmonizing environmental, social, and governance (ESG)
aspects in its business activities and supporting a just transition, a low-carbon economy, the Paris Agreement, and the Sustainable
Development Goals
▪ Sustainability Policy & Procedure
▪ Disclosure on GHG emissions (Scope 1, 2, & 3)
▪ Stakeholders outreach on sustainability ▪ Green Office Policy
(internal and external parties) ▪ Waste management initiatives
▪ Member of Indonesia Sustainable Finance ▪ Internal Carbon Pricing
Initiatives (IKBI) Sustainable Action ▪ Human Rights Policy
▪ Sustainable Finance Action Plan (RAKB) ▪ Renewable energy utilization
▪ Publishing annual Sustainability Report since ▪ Net Zero Operationalization Policy
2012 aligned with various globally recognized
disclosure standard, including PSPK 1 and 2 ▪ Sustainable Finance Policy & Procedure
▪ Sustainability website ▪ Sustainability Sensitive Sector List
▪ The Cooler Earth Sustainability Series ▪ Sector Guidance
Stakeholder ▪ Identify and Monitor Sustainable Finance Portfolio
Sustainable
Engagement & ▪ Development of green and/or sustainability-linked
Business
▪ Bank’s Vision and Mission on Sustainable Finance Advocacy
products
▪ Establishment of Sustainability and Integrated & Climate ▪ Adoption of No Deforestation, No Peat and No
Risk Units Exploitation (NDPE)
▪ Integrating sustainability values to Bank’s DNA
Net Zero 2050
▪ Sustainability KPI for all employees, including Board of
Directors
▪ Disclosure of climate climate scenario analysis ▪ CIMB Niaga Scholarship Program
▪ Net Zero targets (2030 Targets) towards Net Zero by ▪ Community Link
2050 for the Thermal Coal Mining, Cement, Palm Oil, ▪ People With Disabilities Empowerment Program
Power, Oil & Gas, and Real Estate sectors ▪ Financial Literacy & Inclusion
Governance & Risk CSR
▪ Established climate governance through Climate Risk ▪ Bamboo conservation & its carbon stock (C) measurement
Management Policy ▪ Stunting fundraising program
23
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Sustainable finance performance
Our Support to the Sustainability
Development Goals (SDGs)
“Approximately 25% of the bank’s loan portfolio
contributes to climate action and sustainable Sustainable Financing Products/Programs
development.”
Sustainability-Linked Loans (SLL)
Metrics Dec 25 • Sustainability-Linked Loans (SLL) are a type of loan instrument that promotes the achievement
Total KKUB Portfolio (IDR T) 59.52 of ambitious, predetermined sustainability performance targets (SPT) by clients
% Portion of KKUB Portfolio 24.9 Sustainable Finance Program
• Sustainable Finance Program provides special rates for green and/or social financing
Green Auto or Environmentally-Friendly Vehicle Financing
• Green Auto Loan is a financing facility accustomed to electric-battery motorized vehicles as well
0.16
0.89 0.85 MSME (39.8%) as hybrid vehicles provided by our subsidiary CIMB Niaga Finance (CNAF)
2.13 0.05
Green Mortgage
6.26 Other Business Activities and/or • Financing for green building certified housing and apartments
Environmentally Sound Activities
Solar Panel Financing & Green Merchants
(25.1%)
Management of Biological Natural • Provides solar panels financing using credit cards
Resources and Sustainable Land Use • EDC in merchants identified meet the provision of sustainability criteria
23.69 (17.7%)
Products that Can Reduce Resource Giro Kartini & Kartini Loan
Use and Produce less Pollution (Eco- • Current Account and MSME Loan products dedicated to womenpreneur and women
efficient) (10.5%) communities
10.52 Environmentally Friendly
Transportation (3.6%) One House One Tree
• An initiative for mortgage customer to contribute for mother earth through tree planting activity
Green Building (1.5%)
Digital Credit Card
• Digital credit card issuance on OCTO Mobile to reduce plastic consumption
Energy Efficiency (1.4%) Sustainability-Linked FX & Derivatives
• Strategic financial solutions that reward customers for meeting sustainability performance &
Sustainable Water and Wastewater FX/Derivatives transactions targets.
Management (0.3%) Sustainability-Linked Trade Finance (SLTF) dan Green Trade Finance (GTF)
14.95
• Special competitive interest rate for clients committed to green and sustainable business
practices.
24
*Data as of 31 Dec 2025
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Notable awards 4Q25
SWA Indonesia Best CX – EX Strategy 2025 Awards 2025 14th Infobank Sharia Financial Institution Award 2025 Investortrust.id ESG Awards 2025
▪ The Best CX – EX Strategy 2025 With Excellent Predicate ▪ The Best Performance Sharia Banking Business Unit 2025 ▪ Platinum Star Awards Big Cap
(Based on Financial Performance 2024)
▪ The Excellence Performance Sharia Financial Institution - for
10 Consecutive Years : 2015 - 2024
SWA Infobank Investortrust.id
Top 20 Financial Institutions 2025 Indonesia Sustainable Synergy Award 2025 Top Digital Financial Award 2025
(Bank Assets Category Rp100 - Rp500 Trilion) ▪ PT Bank CIMB Niaga for Recovery of Ecological Functions (Bank Devisa KBMI 3 Modal Inti Rp14 Triliun-Rp70 Triliun)
▪ The Best Performing Bank 2025 Based on Financial and Community – Focused ScholarshipTop 5 PLC Indonesia ▪ Keterlibatan Pelanggan
Performance 2023 -2025. ▪ Lani Darmawan for for Building Multiple Collaboration and ▪ Pengalaman Pelanggan
▪ Lee Kai Kwong AS Best CFO in Financial Institution Social Welfare Improvement ▪ Kepercayaan & Persepsi Pelanggan
▪ Wawasan Pelanggan
2025
▪ Inklusivitas Pelanggan
The Finance Plus Idea Komunika & Netral News Media Asuransi
25
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Notable awards 4Q25
Alibaba Cloud Award 2025 Disway Award 2025 Bankers of The Year 2025
▪ NusantarAIntelligence Indonesia Customer Appreciation ▪ PT Bank CIMB Niaga Tbk: Anugerah Brand Populer Indonsia ▪ Lani Darmawan : Direktur Utama Top 100 CEO 2025
Dinner 2025 Kategori Jasa Keuangan Perbankan Umum ▪ Joni Raini: Direktur Sumber Daya Manusia 100 The Future
▪ The Pioneers of AI Advancement ▪ CIMB Niaga Syariah: Anugerah Brand Populer Indonsia Leaders 2025
Kategori Jasa Keuangan Perbankan Syariah
Alibaba Cloud Disway Infobank
Brand Communications Excellence 2025
▪ Category: Video Commercial in the Banking Industry
Predicate: The Best Tutorial Video Commercial (Good)
▪ OCTO - Category: Visual Branding In the Digital Banking
Industry. Predicate: Very Good
SWA
26
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Corporate social responsibility 4Q25 October 23, 2025, CIMB Niaga hosted an award ceremony celebrating social innovators through October 30, 2025, CIMB Niaga launched the 2025 CIMB Niaga Scholarship Program for 50 students the Community Link #JadiNyata 2025 Program. The event recognized three Best Social Ideas and from 24 universities from 12 provinces. The benefits provided by CIMB Niaga include tuition fees for two Special Award Social Ideas. The Best Social Ideas awardees were Budi Anggoto (Upcycle four semesters, thesis preparation costs, laptops, and financial literacy training. Since 2006, CIMB Project), Achmad Adias Wijaya (Artdias Gallery), and Prayogi Harry (Maringrang Arts). The Special Niaga has provided scholarships to over 1,300 students in Indonesia. Awards were presented to Daniyah Deluca (Kakarobot) and Riska Fadilla (Seed Paper Indonesia). November 27, 2025, CIMB Niaga, in collaboration with the KEHATI Foundation, local government December 5-8, 2025, CIMB Niaga and UNICEF visited Kupang, NTT as the location for the and local partners, launched a community-based Bamboo Conservation Program aimed at implementation of the Malnutrition Prevention and Early Detection Program. As of 2025, the program strengthening ecological preservation, social empowerment, and local economic development in has been implemented in Kupang, reaching 100 early childhood education centers (PAUD) through Nusa Tenggara Timur (NTT). The event marked by a bamboo planting ceremony in Rana Mbeling training for 452 teachers, 150 health cadre, and parenting classes for 1,755 parents. The program Village, East Manggarai. As of December 2025, 25,000 bamboo plants had been planted in supported school gardens and cooking demonstrations in PAUD centers, conducted nutritional Manggarai Raya and Ngada, bringing CIMB Niaga’s total bamboo planting since 2012 to screening for 1,119 children, and promoted best practices for prevention across 21 districts. 115,400. 27
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Board of Commissioners
GLENN M.S. YUSUF *
DIDI SYAFRUDDIN YAHYA SRI WIDOWATI VERA HANDAJANI
Wakil Presiden Komisaris
Presiden Komisaris Komisaris Independen Komisaris
(Independen)
FARINA J.SITUMORANG DODY BUDI WALUYO NOVAN AMIRUDIN
Komisaris Independen Komisaris Independen Komisaris
*) Ditunjuk sebagai Komisaris Independen Senior Bank melalui Keputusan Sirkuler Dewan Komisaris CIMB Niaga No. 011/DEKOM/KP/V/2024 per 6 Mei 2024 28
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Board of Directors
LANI DARMAWAN LEE KAI KWONG JOHN SIMON FRANSISKA OEI PANDJI P. DJAJANEGARA*
Presiden Direktur Direktur Strategi & Keuangan Direktur Tresuri & Pasar Modal Direktur Kepatuhan, Corporate Direktur Perbankan Syariah
Affairs, & Hukum
RICO USTHAVIA FRANS HENKY SULISTYO JONI RAINI RUSLY JOHANNES NOVIADY WAHYUDI
Direktur Operational, Teknologi, Direktur Manajemen Risiko Direktur Sumber Daya Manusia Direktur Perbankan Bisnis Direktur Perbankan Konsumer
Analitiks & AI
*) Pengunduran diri telah disetujui pada RUPS Luar Biasa pada tanggal 26 Juni 2025 and akan berlaku efektif sejak tanggal efektif Spin-Off dari Unit Usaha Syariah PT Bank CIMB Niaga Tbk 29
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Struktur perusahaan
Kumpulan Wang
Khazanah Employees Provident Permodalan Nasional Persaraan Others
Nasional Berhad Fund Berhad (Diperbadankan)
21.4% 18.3% 7.3% 5.9% 47.1%
CIMB Group Holdings Berhad
100.0%
Public
CIMB Group Sdn Bhd
7.54% 92.46% (1)
83.28% 97.32%
Data per 31 Desember 2025. 30
(1) Termasuk PT Commerce Kapital 1.02%
Page 31
Kinerja saham dan peringkat perusahaan
Lembaga
(Rp) (Mn) Kategori Peringkat
Vol. Price Pemeringkat
2,500 60 Outlook Stabil
2,000 50
Counterparty Risk Rating A3/P-2
40
1,500
30 Bank Deposits Baa1/P-2
1,000
20
Moody's Baseline Credit Assessment Baa3
500 10
0 0 Adjusted Baseline Credit Assessment baa1
Nov-23
Aug-24
Nov-24
Nov-25
Aug-23
Aug-25
May-23
May-24
May-25
Feb-23
Feb-24
Feb-25
Feb-26
Counterparty Risk Assessment A3(cr)/P-2(cr)
Issuer Rating Baa1
Outlook Stabil
Data per 16 February 2026
Harga saham Rp 1,875 / share
Corporate Rating idAAA
Jumlah saham 25.1 bn shares Pefindo
Kapitalisasi Pasar Rp 47.1 tn Shelf Registration Bond Rating idAAA
P/BV 0.84x
Subordinated Bonds IdAA
P/E 6.77x
Sumber: Investing.com 31
Page 32
Disclaimers: This Presentation is not intended to form the basis of any investment decision with respect to PT Bank CIMB Niaga Tbk (“CIMB Niaga” or the “Company”), Neither this Presentation nor anything contained herein shall form the basis of, or be relied upon in connection with, any contract or commitment whatsoever, This Presentation is based solely upon information, estimates and projections (the “Information”) of the Company, No representation or warranty, express or implied, is or will be made by the Company in relation to, and no responsibility or liability is or will be accepted by the Company as to the accuracy or completeness of, the Information or any other written or oral information made available, and any liability therefore is hereby expressly disclaimed, The Company does not make any representation or warranty with respect to the accuracy or completeness of the assumptions involved in producing this Presentation, The Company does not assume any responsibility for the independent verification of the financial and other information contained in the assumptions, which are subject to business, economic and competitive uncertainties and contingencies, Accordingly, no assurance can be given that any projections contained in the Information, this Presentation or underlying the assumptions will be realized, Any variation between such projections and actual results may be material, This Presentation is necessarily based upon financial, economic, market and other conditions as they exist and can be evaluated on the date hereof, This Presentation and its contents are strictly confidential and must not be copied, reproduced, distributed, summarized, disclosed, referred to or passed to others at any time without the prior written consent of the Company, In addition, organization changes over time often involved changes in the classifications across CIMB Niaga’s current business segments which include consumer/retail, business and corporate. Due to rounding, numbers presented throughout this and other documents may not add up precisely to the totals provided and percentages may not precisely reflect the absolute figures.
Names mentioned 18 people and organisations named in the text · linked when the evidence is strong
unresolved
org
Bank KBMI
p.9
unresolved
org
Bank Assets Category Rp
p.25
unresolved
org
Bank Devisa KBMI
p.25
unresolved
org
Bank Deposits
p.31
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