AnnualReport2024-BNGA-att3.pdf

FT Nest CINA wang Tua

#KEJARMIMPI
ACTION and
COLLABORATION

Every achievement
starts with action.
Through collaboration,
synergy, and shared
inspiration, we unlock
true potential.

Together with CIMB
Niaga, let's take bold
action and collaborate
to make the dreams
of Indonesia's future
generations.

Disclaimer and
Limitation of Liability

Except for historical matters, this
Sustainability Report contains
operational, financial, projection, and
plan stataments, Implementation

Of strategies and policies, and

CIMB Niaga's objectives, ali of

which are classified as forward-
looking statermants regarding the
Implementation of applicable laws
and regulations. These staternments
are subject to risk and uncertainty,
and actual performance may differ
materially from those predicted, These
forward-looking statemenits are based
on various assumptions involving
Current conditions and include
predictions as to future conditions in
the business environment in which
trie Bank operates CIMB Niaga does
not guarantee that documents whase
validity has been confirmed will
produce the expected results.

Table of Contents

1.9 Glancs

Sustanabllit Perforrnane
Highlights

& From The President

Our Suppartt

Development

Bnef Communication: CIMB
Niaga and CIMB Group Towards a
Net Zaro Greenhouse Gas (GHG)
Emisitrs Orpanization by 2050

About the Report

Sustainable
Action

Responsible
Banking

Sustainable
Finance

and Compiaint
Resolutian

Aam Citan Maguro | “3

Corporate Social

Responsibility (CSR) Ox

Piliar

Pilar £ Education 197 8 5

Pillar2 Community 12 20
Corporate Social Health and Wellbeing 2
Responsibility Biliar 3 Economic Advocacy and

Stakeholder

Piliar & Clirnate and Engagement
Environment

Empower t

Stakeholder Engagement 156
Buliding a Culture bf
Sustainability and Sustainsbis ya
Finance
External Initiati and 163
#esociatlan Mermberships “1
Governance Sustainable Finance Advacacy TA
and Risk for Stakeholders
The Cooler Earth Sustainability Iss
Series
Response to Feedback ri
Sustainability Governance Ba
Sustarnability Risk and Opportunitu ' - i
Approach Framework 8 Climate Risk
Disclosure
Environmental and Social Risk Approach 2 173
Formulation of Sustainability Policlesand Yao
Strategles Let
Eshical Business 15 Appandix, Reference, and Indax las
Independent Party Verification 2

FT Meli LIA Ms Tik

CIMB NIAGA AT A GLANCE

Company Name
PT Barnik CIMB Niaga Tbk

Date and Year of
Establishment

BEA gan
26 September 1955

Ae) Line of Business
JIE Banking Services

FF Legal Entity and Share Ownership

(K3 Limited Lability Company

ed on the Indonesian Stock Exchange (IDX)
n 29 November 1989, witfi stock and bond
code BNGA

Share Ownership

. Group Sdr Shd

a — aa
4 areneroa Kapital

aU

Other Public Shareholders

(tww| Website

— www.cimbniaga.coid

Subsidiaries
- PT CIMB Niaga Auto
Finance (CNAF)

- PT CIMB Niaga
Sekuritas (CNS)

Head Office Address
Graha CIMB Niaga

IL Jend Sudirman K akarta 2190, Indonesia

Telp: (x62-21) 250 5252 5353

(GS), E-mail Address
(4 - Corporate Secretary
carpotate gecretaryaa mbnjaga.coid
- Sustainability
sustainabilitfitoimbntagacoid

Investor Relations
Investor.relatipnsicimbniagacoid

14 Sumbar

FT Bank Cita Mi

Financing Portfolio Based on Business
Segment Inp reinlon (or ren ewean nfeh C da Oa |

672 —

@ corporate @ corumat

8 Coruurnar @ Emerging Eksinwea Banking (EBI

| Non-Performing Loan (NPL) Rate |

KELU)

187

Significant Changes —......

In 2028, there was 3 change in the compasiton of the Board
ot Cammissioners Based on the Annual General Meeting of
Sharaholders (AGMS) on 3 April 2024, shareboldars anproved
the appointment of Mr. Dody Budi Waluyo-as.an Independent
Commissioner of the Bank, which, effectiyely recerved OJK
approval on FI August 2024. Latet in the year, the Extsordinary
General Meeting ot Shareholdars (EGMS), on 25 October
2024 approved the sppointrnent of Mr. Noyari Amirudin as 2
Commissioner of the Bank, which became.effectiye upon OJK
approval on 26 February 2025

tan

stansatty Rat

Cin Mlinya Tuk

CIMB Niaga Vision, Mission,
and ValveS sa

VISION

To be the Leading ASEAN Company

MISSION

Providing integrated universal banking services
in Indonesia as a company with outstanding
performance in the ASEAN region and

other key regions, while alsa promoting the
rapid acceleratlon of ASEAN Integration and
connectivity with other regions

CORE VALUES sos

ENABLING TALENT
Cut commitment Is to empower and develop every.

employee and strive to be the best place for the
best talent

PASSION
We pursue excellence in all we do and deliver
beyond ths ordinary

INTEGRITY & ACCOUNTABILITY

Our commitment is to-act in an-ethicaland
trustworthy mannet and be accountable of ail our
actions

COLLABORATION

We comnnitto team over individual success, as
CIMB Niaga's success Is rny success as well as our
collective success

CUSTOMER CENTRICITY
Our deterrnination Is to put customers first-and

always da riaht by them

FT Bank CIMB Miagi Tik |

Sustainability Strategy -...

PT Bank CIMB Niaga Tok ("CIMB Niaga" or “Bank")
Is committed. te continvolsiy emhancing Its
Operational performance sustainabiy, driven by the
#SekarangUntukMasaDepan Initiative, As part of
CIMB Group, CIMB Nisa: adopts the “Forward234"

Integratassustainablityasa fundamental element,
focusind on mitigatino snvironmenital, economic,
social, and gwwemance (£ESG) risks By applying
an Integrated approach rooted in FESG principles,
Bank aims to deliver positive contributions ta all

sustainability strateoy, which Is alioned with
CIMB Groups broader framework This strateay

stakeholders

Sustainability Pillars

BANK

Sustainable Action

Konv we embedf sustambbilty pincples in all our business
Operations and processes to taduce our pedatiye impset, such 88
carbon featerintand genenats pesitive Impactthreugh our businesa

CUSTOMER

Sustainabie Business

Wow we resporsibiy Osnenite profita, Creating het positive Impact
Through the products ari sar/ices we Dronide, and by asateting ane
eneburdging Our Custornesa are Olents on Ingin own sustainabihry
Journaaya

CIMB Niaga

Integrates five SOcIErY
key sustainability Corporate Social Responsibility
pillars into Haw we use a partlon Of our profits toenhance and
Bank's business cant bute toward susiainabis lohg-term besitvs

Serasi Inpacta li this comuyunitles ardund Uus

GOVERNANCE AND RISK

How we govern and report Gusta ability reksa,
ptvelkaci pig seseriragg tapgjata mrk Ealerarss lensska, barbel
how wenorgar-ze and mobile ourselves for cha
best results

AOVOCACY AND STAKIHOLDERS ENGACEMENT

How we champion. engaas, bulid capabillity and capacity,
Inise.awatenesa, and drive participation for sustainability.
tobat Mertntrnal arie extarmal

3 FT Bok CIMR Nilaya Tik

CIMB NIAGA
SUSTAINABILITY
JOURNEY

Serta at 9

10 | (FT Bika CIMB Pilaya Tak

SUSTAINABILITY AWARDS
& RATINGS

———— Awards Pa ESG Ratings

SISTAINALY ICS
— Best SME Bank Indonesia 2024 from World 2

Ecomarnit Magazine Awwds and Global 23.5 (Madun Risk”
Business 4 Finance Magazine Awaras

- Mple A Awarda 2026 ficm The Awat
crwering The Bat Sustainabilltp-Linbed Loan Moopy' | eno sama
for Manufacturing and The Best Green Loan CIS-2 Mevwat mrowi
for Utility cansgorles '

» Best Corporate and Environmental TP ear
Resporwlbillity Award 2024 for Strengtnkning S&P Global
Svategic — Collaboration to Suppart 53
Environmental - Indonesia CSR Award 3024
from Warta Ekonbeni ( tone Musi 325 J

» Indonesia Excellence Good Corparate
Governance Awards. 2026 Itam Wirta
Ekonorni

» Indonesia's Top Green Leaders Award 2024
Trom Warta Ekonceni

» Green Elite and Piatinum Plus from
Investortrustid and Bumi Gicbsi Karbon

» Sustainabilky Report Study from Foundation
for International Human Rights Reporting
Standards (FIHRASTI. teceiving ah As rating
Irorn Mocres Rowland

»- Outstanding Achlevement In Sustainability
& Covernance Award from GML Performanes
Tansulting and Kontan Media

» Katadata ESC Awards recognimny companies
wiien  dernonstrate strong sustainability
commiment progtimnt and. principies In
thsir busiress cperations

“Toe pegiw datuhi dh wukdtrrnal waris, pemda saat 15 dp Cimtri
Mina ATA Arvud Tere

——

SUSTAINABILITY PERFORMANCE
HIGHLIGHTS

Environmental Performance (aras Ban namu ag

GHG Emisalons
ao La yareraah (Seope 3) business travel and
Hope »-xope aciNitks not inchudad In Scope
Bernesopang ot Scage 7 irorines COpE)
2024 —V6G,/48340 1024 — RG,7N966 2024 133875
205 KO7a7O 20285 — WOOKIA” 2023 15077 paman
2022 16190678 2022 3650657 2022 Napaga
Waste Raductian GHG Emisilona
Water (rr) #onnescobap" Ting (Scope 1) - Investment
(tanrves COje)
202 NASA 20214 3189 2024 “
2023 262 2023 "2 2023 360985838
2012 M053 2022 Na 2022 31842865
Economic Performance ui oa: Social Performarice basa
Internal Customer
Target 3)
21028 322
2023 327
2022 319

"Eakculabera were periorrneg on ning sector Identiiaa ag tugh-arnaaon Intenety OHLs bj the Net Zam Banking Alliance (NBA uang Thr
Partretirin tor Cimban Acoounting Finiseiali IPCARI method Fise 2028 cela ulmoes eloictad Use 2017 ecion Of ttue PAP eryitirod vuhihas Ne 2022
Owoulitkan vwrng 2G SU

1" Vesito reduc bore capremtod 3 the potestral sgeralant of CG emimuura ayeddad tersugh ting Baro Veante to Lindfii itna, (her 3DAI
Colculatkin levesarad wiste dala Nom Graha CIMB minfih Hand Ofmce. Tw 2025 caicukation Indudes wasta data rom Griha CIMB Nisgar Mond:
Cifam, Giiya Ninga tlintaro NX 2 Tebet Biramch Cifisar, aned Gajah Mardi Branch Office

"Scope Jand Scope 2 2HG @iretalons yeth dimata Otange meigntidn eifurts through Rerewabie Energy Certificate

"Data It tepirtet umrg uidatad armason Tuktor

LA Ip seba pawai

Sustoinobhe

Busina1d

Performance (rosk3iaL LA MAA LLALI, LLALUUPN-CE-20OAAI

Operating Total Assets Nut Profit

Income (Pp bilitemal (ro boilieari)

(Ap bimanid

18,319 2024 36021 6833

18785 2023 334369 6551
2022 306754 5097

2023
202
Total Environmeraally Micro, Seriall,
Frianely Preduets and Medium
dp

|
si

2
ai

(Products that meet andika
supporting tha Sustumable (MSME) Financing
Hiztryes Artivty Categeity (Rep toriikearnn)
(KKUJB) ernerla)
us 2026 R
2023 1S 2023 B8
2022 195 2022 9
KKUB Financing
|| (Ro biliionah
2024 39123
2023 SSASI
2022 5lddh

Social Performance (ros ara.il

Corporate Social

Responsibility

Environmental Performance -

Biodiversity (rom she.aul
ji Number ot
Bamboo
(ecurmutatad)
2024 23,678 2024 sai9o
2023 24946
2023
So daun A90
2022
KAM

Governance

and Kisk

Advocac and
Stakeholder
Engagement

13

1G | ema Ca Maya Ta

Markets Served and Emission Footprint in 2021

at ENI dah

E-channei network throughout Indonesia

407 6 Barm CRM

Branch Multi Derom Machine In Mirnika, Kuala
Networks (MOM) Kencana, Central
Papua

rose Indoresia. 1he Sottoreanal Markata Siswo

328273 1 30,444.91

tonnes CO. tonnies CO,e

SUMATERA JAWA

36,536.74

tonnes CO,

Total GHG n
ernissions fScor
and Soope 2)

629.71

Year 2024

Nge

Percentage reduction
of Total GHG emissions
Sconel and Scope
2 footprint in 2024
compared to 2023

tonnes CO,e

BALI &
NUSA TENGGARA

Percentage
reduction of Total
GHG ernusions

Scope land Sc
2 footprint in 2024
Compared to 2023

1039.61

tonnes CO.2

SULAWESI -
MALUKU - PAPUA

P5

Oia Miagu

Contribution
through 39792
tonnes of COze

solar panels

01164655 G3

renewable anergy
eguhalent

16 | Anak Cm Nlaya Tok

#SekarangUntukMasabepan .........

SA 25x Co1y 121

Cantnbutlon through tenewabla
areray tb total energy uis

L Reducton In grsennduus gas (GG)
Ho emussons intensitycomparedto
2025 ngasi daa Cina PO

£ 165,00 tonnes cCOo.e

FGMG ernissians thnt can bu

Average potet
avaldeo through digital banking transartiors

26x

Percentage of slstalnable
Business Acsivity Category
IKKUBJ from totut Barik
financing

2

Ol pal plantaton
Tinancing portfolio that
already has SPD andibt
RSPO certificatlon

Cilents complete
sustainability action
pan

1,286

Pecipisnts Of the CIMB Niaga
seholarahip prograrn in 2008
“2024

2 11,400
tonnes CO,e

Poteritiat of carbon
dbsorption frorn batnboo
(anting fto 202 umi
2024

2 people

Taining pertciparte witn
disablilties In 2024

270,800 hours

Torsi hcuss af erriployee
partkcipating In the Ernoloyes
Volunteer Progtsrr

» 96,700 students

? 1,000 schools

AMOE and TDS financial tersey
activities from 2911-2034

Issuanceat Totaf sector Integraoan of Human Rights Palm Ol. Power, Thermal Coal
the Nat Zero dukdanca Riaks and Losa Mining. Cement. Oli and Gia, Real
CHO Emisslons piublahad assessment wathori tie Estat
Operations Policy 5 3 Jl

tea penenang menara Sub-ssctors currently tangened for

Intaren decarbanizatian toward
& pet-1870 greenhouse gas (GMO)
emisslana organgatian

52| 1005: YA 99x 57x

Sistainabis finance Resolved Custarner Cistomer Loyalty Level
traring attended Compleints - Net Pramiutes Score
ly trne Elerargd cat (NPSI
Cominissicnersand

the Board of Drectors

Potential Contribution to GHG Emission Avoidance from Climate Change
Mitigation and Adaptation Actions

85x. 6x

Through diytal saring Through sarnbon plariting
activities

Total of terewakie energy
Lari, used by tr Bank serrced

from hydrosjectris power
Trrough Rerewabis Through the purcriase plants (PLTAJ and solar paneja
a Energy Certificates of carbon units frorr - Energy genetatsd were
fi

ca (REC for SeopeTand 2 the indonesia Curbor) egulvalent to
GHG emislons and the Exchange NDX Carban),
solar panels cpevition Zero Venste to Land
progam, -tatemert B7 tONS row
lesuahte,and paper
saving

ntuabetriy Rere

18 | FT Hal CIMI Pilaya Tio

MESSAGE FROM THE PRESIDENT
DIRECTOR oi.

Dear Respected Stakeholders,
We emtend our deepest appreciatlan for the trust
and support given to CIMB Niaga throughout 2024
This year, banking sector faced complex dynamics,
LANI DARMAWAN includina global economic uncertainty, Interest rate
Preaideng Cirectar fuctuationg and the growing dernand for digitalization
and financial service Innovation, . Additionally,
heightaned  regulatory and Irwestor @xpectatioris
for greater transparency In environmental, social,
and governance JESG) performance. have placed
sustainability Issues (such as ciimate-related risks and
@pportuniti2s as well as biodiversity), at the forefront
These conditions have driven the Bank to swiftiy adapt
and strategically transform to navigate challenges and
sejza opportunities amid 3 dynamic global landscape

Policy to Address Chailenges

Sustainability and Sustainatile Finance Values
Aspartof CIMB Group, CIMB Niaga consistantly embeds
its sustainability values across all operabonal aspects
and bushness stmteges, namely, Enabling Talent
Passion, Integrity & Accountabilty, Collaboration,
and Customer Centricity (EPICC), These values ara
the foundation for addressing global challenges,
ersuring that econornic drowth Is supported by strong
governance and .competent- resources The EPICC
valuss reflect Bank's commitment to actively engaoe
stakeholders through coliaboration and conducting its
business with Integrity, including its responsibility to
ptaserve theenvironment

Response towards Sustainability and Sustainable
Finance Issues

CIMB. Niaga  addresses sustainability chailenges
through various strategic Initiatives alianed with the
2024-2028 Sustainable Finance Action Plan (RAKB)

The Bank temialrs comimnitted to supporting the Paris
ntend to engage ourclients | pergi iba
greement, @just transition toa low-carbon SC INDTMNY,

to develop and accelerate their Indonesias Enhanced  Natlonaly — Determined
Contributon (ENDC), and ths country's 2060 met-zero
transition pians towards net greenhouse gas (GHG) emissions target. Furthermore,
zero" the Bank as part of AMB Group, which Is 3 member
of the Collaetive Comrnitment to Climate Action and
1he Net-Zero Banking Alliance iscommitted toachieve.
net-zaro GHO emissians far Scope | arid 2 by 2030 and

for Scope 1, & and 3 by 2050, ar becomina a net-
zero mission (NZE) aroanization by 2050.

Commitments, Achlevements, and Challenges
In Implementing Sustainability and Sustainable
Finance

CIMB Niaga's cllmate action commitment is
realized throuah the. establishment of 2030
target to achleye net zero by 2050: Bank's interim
decarbonizatian targets currently facus on six key
sectors: thermal coal mining, cement. palm -ojl,
power, oil and gas. and real estate. The designation
of these interim decarbonization target sectors is
the resilt of the Nat Zero Strateay & Climate Risk
Management project.

Furthermore, allaned with CIMB Group's
Tommitrment toecontamit Indusion, heaith,-and
financial Iiteracy, CIMB Niaga has set taroet to
Improve financial health of pricritized groups. By
2026, Banks goals is tc increase an additional 1
milllon new active law-Income customers

Banks dedication to advancing financial incluson
underscores the commitmant to creating value
for Its stakeholders and fostering egultabls
develaprment across the communities sarved,

We recognize that Implsmenting sustainability
Principles comes with various challenges.
Reoulatory  complssitles, cimats change
dynarits, and the need t6 integrate sustainability
across al| business: aperatigns are among the
strategic challenges that must be anticipated
and effectively. managed. However, we remain
committed to drive Innovation, strengthening
csilaboratlan with stakeholders, and #nhancing
Competencdies to Overcomie these challenges and
turn them Into cpportunitles far growth,

Sustainobie Finance Implementation

Achisvernents and Recognitions

As of December 2024, CIMB Niaga's Sustainable
Business Activity Category (IKKUB) portfolip
teached Rp33 12 triilion, accountingfornearly26Kaf
Banks totsi financing portfolio. Additionally, Bank
continues to identify and report In aocordance with
Tts Indonesia Green Taxonomy (THI) for top 45D
debtors and Indonesian Taxonorny for Sustainable
Finance (TKBI) for top.20 debtars in sneray sector,
This findings Indicated that 1S of the portfolio are
classified into green or yellow category, based on
loan putstanding,

2014 Seutaremiy Rebort
FT Bank DIMB Magis Tiki

CIMB Niaga also continues to offer sustainable
firiancing programa, such as Skstainsbility-Linked
Loan/Financing (SLL/FI Sustainable Financing
SF) Green Mortgage, solar panel financing,
and other  sustainabillty-suppottiny programs,
including One House One Tree, Giro Kartini, and
Sustainabillty-Linked Wakaf savings At the end
af 2024, Bank launched a new financing program,
narnely. gender-responsive 'Kartini Loan” This
program Is designed to pravide incentives for
micro, small and medium anterprises (MSME3)
Ibans cwned and/or led by women, supporting
their business growth and Independency. Through
Its CSR program, Barik also contimues Community
Link #ladiBerkelanjutan program, which offers
Interest-free working capital loans to sefected
MSME3, particutarly Women entrepreneurs andilir
people with disabilities in Eastem Indonesia.

Furtharmore, to reduce Scope | arid 2 GHO
emisslonsfrom CIMB Niaga'soperations renewable
eneray utilitatlon remainsa key strateOy, Initiatlves
uridertaken Include installation Of solar panels
at Bintaro branch, which: becarne. operational in
March 2024, and purchase af renswable sneray
certificates (REC). By the and af 2024, Bank
successfully reduced Scope land 7 GHG emissionis
by more than 12500 tannes af CO2 eglilvalent,
tepresenting 3 328 reduction comparad to 2019
baseline. This reduction exceeded the initial target
af 254

CIMB Niaga continucusly: stnves to meet
stakeholder information needs by positloning
itself as 3 leading bank In adopting various
global sustainability frameworks and standards.
In 2024, Bank conducted 4 gap analysis
comparing its previobsiy tecorted sustainability
disclosures. with the International Financial
Beborting Standards IIFASI SI and S2 The
analysis tesulted in recommendations and
actlon plan for Implsmentatlon.  Additionally,
Bank also Updated several intemal documents
tb incorporate sustainability and climate-
related risk and opportunitles, Including the
Board of Commissioners and Board of Directors
Charters, Sustainability Policy, and Bxelusicn
List, ensuring alionment with both natlonal and
Giobal sustainability devetopmenta. Furthermore,
Bank intraduced the Net Zero Oreenhouse Gas
(SHO) Emissions Operatlonal Policy asa strategit
foundation for achleving net-zaro operational
Scope Tand 2 emissions by 2030.

20 | Ka Lage

Furthermore, CIMB Niaga encourages - active
smployee participation in various sustainability
Initiatives. Thrcughout 2024, the Bank tecorded
an average employee participation of 590
hours per employee in the Employee Volunteer
Program, (4835 higher than the target of4 hours
per employee). Te further sxpand stakeholder
anbagernent. the Bank organized The Coalet
Earth (TCEJ Sustainability Series 2024 In 17 cities
across Indonesia, engaging 3 diverse audience,
Inctuding media, customers, amployees, studants.
and comimunities

CIMB Niaga sisa continued its support for the
Indonesia. Carbon Exchange (IDXCarbon)| and
participating asa carbon unit buyerin the Insugural
International Trading of Indonesian Carbon Units
held in Jakarta on 20 January 2025.

For these various perforrmance achievemants,
CIMB Niaga hias received recognition from multiple
partiss Bank's sustainable business performance
has been acknowledged globally through two
awards from The Asian Banking & Finance Award,
mamely Indonesia Domestic Green Financina Bank
ol the Year— Wholesale Banking Awards 2024 and
Best Initiative for SME Inclusion. Each award was
granted to the Corporate Banking segment and
Ernerging Business Bankino (EBB), respectively.

CIMB Niaga also received recognition for Its
afforts in reducing GHG emissions throudh the
Main Award in tbe Sustainability with Innovation
category for “CIMB: Niaga's Journay Towards Net
Zero 2050” from IDX Channel Anugerah tnovasi
Indonesia 2024. Moreover, the Bank has also beer
assessed by ulobal rating aaencies, Including SaP
Global Corporate Sustainability Assessment (CSA),
achieving 3 sustainability score of 53 ("very hiah!),
and Sustainalytica with a score of 225.

Challenges That Still Need to Be Addressed

Customer satisfaction rernains one of CIMB
Niaga's top priorities, making data protection 3
key focus across all aperatlonal aspecta. The rapid
advancement of technoloay, such as the artificial
Intelligence (AI) trend, btings positive impacts and
challengss In banking sector, While technological
acoeleration bringsaffidency andinnovation, Itatso
Increasas the risk of-data breaches and rnisuse of
Information, To address these riska Bank temains
proactive In strengthening security aysterns and
anhancing custorner data management to ensure
TObust protection against emerging thraats,

Strategy for Target Achievement

Sustainable Finance Risk Manogament

In Its commitment to sustainability, CIMB Niaga
prosectivelymansoesrisksrelated toenvironmental,
economic, and social (EES) aspects Inctuding
Climate change. Risk management encompasses
Weritification, svaluation, and mitigaton of
potential negative Imnpsacts that could affect
aperational performance and corporate repiitation.

In addition to setting sustainability targets, CIMB
Niaga conducted a ciimate rak management
and scenatio (CRMS) analysis, or ciinate seenario
analysis (CSA), for seven sectors based on OJK
Book 2 of the 2024 Technical Guidance on Climate
Risk Management 4 Scenarip Analysis for Banking.
As one of 18 national banks apoointed by the
Financial Services Authority (OJK) fara pilot project
on the initial CSA study. Bank teported CRMS
methodology used for the preliminary climate risk
assessment along with its findings to OJK at the
end of July 2024,

Sustainable Finance Opportunities and Business
Prospects

Beyond risk management, CIMB Niaga also
focuses on leveraging epportunites and business
prospacts arising from the arowing sustainability
trends Bank sees significant potential In
supporting sustainable financing ar Sustainable
Business Activity Category (KKUB), which not only
Generates positive environmental Impact but also
crestes significant business growth opportunitiss.

CIMB Njaga Nas also undettaken initlatives, such
as developing sustainable fnance products,
utifizing renewable anergy, and formingd strategic
cpilaboratiens with various paftners and
stakeholders Throuah these sfforts Bank aimato
seng asa catalyat in craating bositive addad Velue
amid the ongoing global economic transformation

Furtharmore, CIMB Niaga continues to
entourage ts customers to. enhanca their
sustainability performance and minimize negative
erwironmmental-and social Impacts. One of Bank's
key measuras:to mitigate these negative impact
Ie through implementation af Sustainability Due
Dillgence (SDD). In 2024. Bank refined its SDD form
toonable mars effective and efficient Identification
cf sustainatslity and ciitnate-related risks The neiy
SDD form Indiudes additional -guestiong related
to biodiversity aspects and Integrates mMInNIMUM

sectoral sustainability regutrements Additionally,
zince May 2024, Bank has panded SDD
implementation within the comrnercial banking
ze9gment by adding three new econornic sectors,
namely constriictlon, Infrastructure, and mining
and guarrying, These complament the existing
palm oll, oil and gas, coal) forestry and natural
tubber sectots under SDD assessment

External Situation

CIMB Niaga aiso considers axternsi factors that
may Infivence its performance and busindss
strategy In addressing sustainahility challenges
External factors such as- global economic
zonditions, changes in. environmental policies
and ciimate regulations, ac well as socio-political
dynamics are key variables In Barik's risk analysis
and strategic decisian-making. The tangible
Impacts of climate chanae, sich as the increasing
Treguency of natural disasters, extreme Weather
#vents and shifting climate patterns, have the
potential to affect operational stabillty and Bank's
financing portfolio. Additionally, shifting consurnet
preferences toward envronmentally friendly
produtts and services along With the growing
adoption of Global sustainability standards and
frameworks, serve as 2 driving force tor the Bank
to continuously Innovate and adapt Its business
strategy.

Overall, integrated risk management, strategic
business opportunity utllization, and an adaptive
response to external conditions serve-as the key
foundations for CIMB Niags in ensuring long-term
sustainability Through a comprehensive approach,
the Bank remains optimistic about its ability
to. continue making a positive contriblition to
Indonesia's econorny, environmental.conservation,
and social well-being,

2094 Sesiareiliy Rebort | 24
FT Bank CIMB Minggu Fil

Appreciation

Sustainability Ic one of CIMB Niagat priorities in
conducting Is business Throughout 2024, tis
Bank has further strengthened its commitment
to supporting s Just transition in financial sector
toward 3 iow-carbon,Inclusive, and enVironmentally
friandty.sconamny, Moving farward, wewill continue.
to prornote implementation and adoption of
Sustainable business models in Indonesia We
remain committed to, this journey: by sngaging
all stakeholders in what is still along path ahaad,
With this in mind, we atend our gratitude and
appracatlan toall partles who haye contributed to
&very stap of CIMB Niaga's sustainability Journey.

#“SekaranguntukMasaDepan

Jakarta, 9 March 2025

NG La

Lani Darmawan
President Director

22 | HID Sahehahstiiy Harest
PT Bok CIMI Nlays Tak

Sustainability Report
Responsibility Statement

Boortf of Gomrnissionera' Responsibility Statement tor thu 2024 Skate nakility Reoart of PT Asik CIMB Nida Tuk.
We thw ungersrgyod Bogrdaf Ganmmiawamers-af PT Ngnn C/MB Niaga Tlk, heraby deciara thatall Information In ine 2024

Sontinseslits Report ot P7 Bank CIMB Nivgra Tbik Is premeriteet Iri Itu wetirety, mncd Uner Wes tidke fuilk remparresitaitity For the
oorres mass at the content af this Sustainability Nenort.

Vila statemen Iu made in adi truthfolious
1& Mareh 2025

- By houndersignad,

2

Damon Naga

Vian Prert0ea 1 hitememtli am at ahasaagtir

Sri Widowati Fatin Muaarang:

va rem .. a jasa sedan Kamis

Dia Sk Mela” Novan Amurudin”

RERE 0 Ser MIntLtrWee GULAI (ef Ya Bah Oia CIWE Magi Beer Tai etktasetn Siti Dita Mz SYDELRUN POYV2EA iris Way 210
OOM 1 ea KCAAS 2 ET Ordehian DES itali han altuatis un 38 Pale wara BIKE

Board ol Directsrs! Aespansitslity Btateirienit for ttie 2021 Sitetakubility Regart of PT Bang CIMB Niaga Tbk.
We ibe undessianed Board of Directora at PT Bank CIMB Niaga Tbk. Nsreby dariara tmat ati Inforntation w tho 2024

Suutainahillse Report af PT Rare CIMI Niaga TBK In mresanted an Ma sertitety, mid giat we taka full rezponsibitity for Lv
Goreastness af tha contonts at thir Sustainability Report.

This state Is riade Inalt tulhfolness:

1 Mursi 2025
By the undurhignod,
Lani Darmawan
benturan
@ , bag
teu Ka Kan Jonn Siman" Fraritaka Oei
Meet Wes (harta
A
P — Ay
fo met iii Henky Sulistyo
ai -
Bi Se
Pa .
Z
CO Runly Johannes Novtaty Wanyudi

Drneettit Di aci Tnwatar

N
IP

Board of
Directors

Lue Kal Kwong Tjioe Moi Tuan Heniky Sulistyo Noviady Wahyudi Lani Darmawan

Preskoujit Olrecr

1

Ruaty Johannes

Joni Rain

Pandji P. Ojajanegara

PT Bani: IMB Mingu Tak

25

26 | mw cmn daya Tak

Board of
Commissioners

Sri Widowati Cdenn Muhammad Surya Yusuf Didi Syafruddin Yahya Novan Amirudin"
md DOmniasor ica Preman Mendent Camrmiioner rain

2

Farina 2 Situmorang

28

PT Baal Citi Mlaga Tbk

Sharia
Supervisory
Board

Dr. Yulia D. Sanrego, MEc. Prof, Dr, M, Guralsh Sisihwb, MA Prof. Dr. Fathurrahenaa Ojarmil, MA.
Mernber mar Mera

sesabetiy Rugi

Our Support to the Sustainable

Deve

DI

GS Ge ih

LAI sabA MAA ha

53

Actveve highen lesets.af esanamnir
broductivty theovgh Kiveraification,
technological upgrsding and
Iiwoereat biara

Imprors glotidl resource atficlanky
In comtumpitaar and ptoducilan
broaresaiveiy and endeavourto
decougle seoncenie arowik tram.
@rwotttaramntal Uanyraroketion

Aciveve full and productive.

@nployment and decent work
Kar ali wornsry and men, Including

for young peogle and vuirerabie
Group and soual pny fot work of
sansn valas

Take Imrpediata and affective
Mmeasizrei to @radicate forceg
labour, end rnodern siaveiy and
Kuman ttafficking and secure the
pronibiban and siminaton of
the woret formns ofetulid tabour,
including recrultmesit and use df
child soldlers

Proteet labar ngivts andi prornpte
safe ari secure workirg
#nvitarv nam (tot ll Worker
ncluding mugrant workers in
Onrticular womers fnlgrans and
shoes In pescanaus erngakiyrnerit

lopment Goals (SDGs)

Bank contiyues tne MyWstk way af working,

» Barik has obtained SO/RC 270012072 certificaticn for the
Information —Sacutity Mansyement System, covering IT
oberitpnal funerana iduding Cyoer Security Infrasirbctune
System Management, Data Centar Operation Managerrent,
and Apobearan Developrnerit

» BANK Utilses renewabia energy #EBT) through the purchuise Of
Renawable Energy Certifcatas (RBT), #enbuhting to LET tape
CO5 sguNsisrit 00401622 GJ-ot resewable enerpy

» Bank has alio gporatad solar paneli at Griya Nisgu BiAtbro 1 &
2 head office, comtributing t6 erriletipm avojclanca of Jaa tar
CO, enuivalerit 0 1687 G3.0f renewable enetgy
Trvough these two Initiatves Bank has successfolly uvoided
rrote than -ICIZDD tor CO, egulvalant at over 42200 G3 af
tenewabie enurgy

» Bank nas severai related pokces
& Human Rights Policy, where Bank gustantees habur dghts
and upholds the peinctnle afesjuality, witnoLit dlserirninatar
based. On @thnicity, jeligian ace, gender, Intergrotip
(etations, social status, or any othat factor that coutd lbs
diserrninatory ar potentlally walate hutan ridihits
Dp Divershty andi Inclusion Pobey ensuring that af recruliment
andzelectitn preobessei conducted by Barik uphoid fiiresa
without disctiminatian ngalnst cantiklate4 linsea on their
backgrounde
» Morsover, Bariks reriitmunt procewses ara conducted
Objectively, adhering to Internal stanelanda, and grkatitites the
principis-ot aguality
» Asol December 2025, tha workfarce compasitkan of Bank (Is
STW femmais and 490 male

Bank hasa Humnan Rights Policy ttrat Outlines Its commityents
10 fefraln rar engaging im. force labor, rnadarn slavery,
migrant. warketa, humat trafficking and ehikd labar 0s
underage wotkets Ibelawtne age af Ia years old whleh may.
endangenng the safety ancdijor below the age at Ei years old)
This poicy apples to Bank, customers and partners who work
with Barik

Bank includes criteria related to human aghts into vendor
selection eriterla process, such ss tive-crteria for the avallability
Of. Numan tohts policiss, umar ahts dus diliyence,
Oresiande riechansrmu encouraging diversity, @anualisy and
Inehusion

Bara commmitted to provkding fairtreatrnentto allitsernployees
following tne Employee Code of Etnics & Code of Conduet
Policy arsa refarrergy to tie tinired perveneipala Of rike Utari Nate
Glabai Compact (UNGC) regasding the freedom Of association
kind effactive recognition of the right-to collertise bargaining,
Inelading the formaton af hkbor unlons and the negatiatiar af
collertive labor agreements.

o mn kena

—
4
3
&

Ensure egual bepertuniry ang
reduce Inegualitkes af outcome,
Ineluding by almruniating
discriminatory laws policies

and practicezand peorsating
appropielate legkiation, policies and
aotionm ths regard

Adopt oolicies, especially tiscal,
wage anu social protection polickes.
arti ntogresikssiy actieve Orsatar
PeLay

Aciveve ine sustamabie
management and sffident use it
naturai resources

Strengjt var rmadilares shd adaptya
Capacity to climate-related hazard
and natural disaster

Promote development-orlented
palclas that support productve
sotvirlss decerit job creation,
#ntrepreneurthip, creativity and
Wrevatlan, and ancourageihe
formalratien anu arowan of
micre-, amal and mediurn- sizad

@nterprisea Unand ttreugh
aCoses to financial servies

Strengthen this capacity of
deomnestis finanalal Instititicns ta
ancdurhge and expand poweas to
Uhnkiny, Insuranwe and finsnelal
senacas for ali

207A Siakaraminy Rebort
FT Bank OMMB Magis Tak

Same as the ncflevementa outlined on target BS

Bork tegulates the prowision Of ailowanog, Ifa (nsusnce, ahd
Nealth care In securdance with appilcebke nejulatiend, Bark
Gortari reroecas it 436 vyhile arruplowan kuat Hk

«Barik has-commited to nat zero GG emissions.for Seope 1
nad Scope 2 in Operatora by 2030

. naa ARENA Ne again Ga!
office

» Bank purchased Renewable- Energy Certificatss (REC3)|
amesihting to N2B4 MAh

» fa af December 2024, Bank recorded Intangible: assets
amounting 10 7200 cut bon uritt egulVvaleritto Rp487.443600

Gerah CIMB Niaga okstihest As Aa Platinum" green bulledhrng toy
the Building and Construction Autberiny (BCA) of Singapore

» Banki positke odntributlen on barmboo carservation Is
mocunulated at more Iran SO thoksanid siros 2013

Bank has disbursed Rp2695 teillion in financing ta the MSME
Segment as per 31 Decernber 2014

Bank has sipanded and sasadi the banking Jetess tor ah
Indonesans through ts digital banking innovatian Detallea
meplanatara can be found In Pilar I Sustalnabis Butinesa
Under tiva Innevatian and Deyeloprnerit af Sustainable Finanelal

31

32 |

FOPA Jezatmonbatiiy: Rapi
PT oa TIME Nlaya Tbk

So in dots (000 resammarta

-
5
2
3
i
2
8
-

PILLAR

102

152

Increase the bebas af senali-
sraleindustrial and other
enternitaka In particular Ir
dexetopihng countrise, to fihancjat
smyites, Ineduding attondalule credit,
and their Integration Into vaiue
chakra sira rnaf kets

Upgrade Infrastructure and
retrofit Indtustries 19 make thern

aksitainabie with incressad
tesouice-use-afficlency and

procesaeg, witih.kll countrie taking
acton In sCoordance with their
tesbecthye capobilitias

Empowsrand promote the socul,
#comornit and pokitical Inctusian af
All, rrespective of age. sexx, Uksability,
race, et fanidity, arigin, relialan ot
2comornit oratheratatLs

Intagjrate alimate cnange measures
Into natiaral pillelas, utnmegles net
Glanning

Prorricte Pie Implemantatah of
suastalnAbis mahagemant ata
1ypes df foresta halt Osfotestanan,
restore dagrnded fotesta and
#ubatantlally (nresse aforeutatkarn
ana reforestatian @iobally

Mobilize and significafitiy increase
Tinansial resources fram all sources
tO conservs and sustainadiy use
blodivessity and sosysiem

Sarnenaa the sehiementa dutilmed ori tget 33

In2024, Bank disburted Rp63 tilllah In KKU f|encirg for the
Konstruktion and Infrastructure sectors '

Bank proddes banking senices 10 all mdlviduals wehout
Giseriminaton based on Sthnisiy, religion, race, gender,
Interproup relatlong, soclat statug, Of Any Other factors trust ae
dlseriminatory and pitentiatly votate hutan dahi

"Bank has setublished » Suenihability and Sistaiubla Finance
Policy akgned with the national dilrate change strateay
Bank fias forned the Integrated & Cilmate Risk Unit

Batk has sukrrittati the Oirnata Rak Management and

Scenario Analyils (CAMS) report or Climate Scenatip Analysis

(SA to the Finaricial Services Authority (03K)

» Barik together with CIMB Group Implernertedi the Net Zeta
OMG Ernissons Stnitegy 4 Climate Risk Management prolect.
The project resukad In deca'bonizatian Inteeirn strategles and
tergets for TOSO targeting UX sectara detalls af winch car tyet
referrad ton the Climate Action Commnitments Section

Bark has Implemanted a commitment to No Defotestatiar, Na

Land No Expioitatian INDFEJ In financing tie palm elang
forestry sectors, This NDPE commitment has been rayurested ta
all debtors since Debemibier 2028

Bark, together with CIMB Group 5 comimitted 10 achieving
tusainyabls Inancing Gt RMODO biliar #saulvalert to Rp208
trihiianj in 2024, baseci on the Green Socia! Sustainablity Impact
Produrta & Services (GSSIPS) framework. In 2024, CIMB Niaga
tontributed RIMLEZL KI indian (eguwalert to Rp336 tilllon
toward this target

mung Rebert

FT Bank CIMB Ming Tak.

2 o una don as

PILLAR 3 - CORPORATE SOC
RESPONSIBILITY (CSR)

3
n
&
tel
Hj
ji
ir
El
z
4
w
2
8
“
5
&

Einpowerarw promote the sorul,
#canomir and Lan an Induston af
ali urespactive of aye sex, dlsability,
race ethnikiny, origin, religkan ct
scohomik pr other statis

Imptove edlcation, awarsness-
maling and human and Institutipnal
Capacity on cilmite cange
mitigation, adaotatian Impact
reduction and sany warning

Integtute clirnate change massa
Anto

nutlonat policies, strateglea ardd
Ollrsrirug

Take urgentand sigmticantartian
to reduce the degradation af natural
Mubstats halt tis loss of biodiversay
arxi pebtect arit presarit the
axtinctipn ot threstened #peties

Take urgent aebian to end peachiina
Arvi trafficking af protectad spetles
Ot or and Isun and address

pot demand #Aldzuppiy or legal

wilatite ptoducts

End abuse sepialtation, trafficeang
and ali form of vicdlencs against and
torturt Of crulelnsrn

le ki sanggah Dis maun
ari all urrns Of violerice against andi
torture of children

Community Link aamBerkelanjutan PL em ho aries supports
Community soclal And #canaris

2mpowerrnent progrutms for women and pesona TEA
#isabiities, particulariy In Eastarr Indonesia

Aligned with the hambao-conservatan program, Banks also
#ngayed In capatity buliding sctiviles for tarmer groups

focusingi on bembeo ptortuct Srocesung. enttepeeneurshiip.and
finarwial literacy,

Same as tie Akhlevemants on Pilar 2 Sustaihbble Business
target 133

Bank Nas enplemented Its NDPE (No Detorestation. No Pest. NG

Exbibitation) commitment In nanding the palm Giand foresiry

#ectori arti Ha Committed to phasing out financing for tite
thersai coal miring sector by 2080.

Adaiyanaly, terough Its Busluslen List, Bank ptahibits financing
toe Gentar din ar andirectty. Invofved “In metivitles that
negatvely Impact worid heritage sites and Oliver desigrated
lraaa These atom Mclude, but are not United tor
1 5s, rescue hibitats, cf Bercdkrapes af globe tar nyaman
gnificante or Ihbse valsd by kasi carmmunibs ae
Indigsnous dedpika as Ioentifed throvgh ComPMuUty
engagement
D National andior Internanonal protected areas, Ineluding
peatiand Conservation areas and Wetiinda designatad
Urites the Rarnaat Conventiar

Ibitad Dusiness activities
acivitiss

Bank nas Exelusion List outining
wrn Inclucdesa (ever ear Was

Bank 8 commnkted, 5 putilned in ts Human Faghts Polliy, ta
tefraining frotn Involvertient In peactices sudh 25 foced labor,
bonded Mibarkiaut latar, dnikd Jabar, underyge labor, mildanant
Tebor, human teaffeking, and modern siavesy

Bank has esrabilshed an Bxebuslon List cutiihiig ptobitited
business pctivitiea whlen Mmeludes tiriancing tor. weaponiy,
menmunition, and terratiamn, Its abgnad with the Anti Money.
Laundering YAMLL  Counter-Tarrorem | Financing (CT and
Counter Prolifesutleri Financing at Weapun of Mass Destructibr
IKPFWMDI Progam

33

Tuna

34 |

abatiy Rei

PT Bowie CIMI Nilaya Tak

165 Sabstantially redice-conuptian and

168

Iribary Im ali thesih torrra,

Eneburanje cornparkak ESpetially
Jaige and teanshationai cofnpanik.
t0 adopt sustaivahie practites

and ta intagrate sustanukillty
Information Into thisir regytartirng

cycle

Ensure thatpeopis everywhsra
Nuve the selevatit Informatar
and awarernesn for sustainutle
development and Iifestylas in
Morris Wit rhatne

Imnprove'educatlon, awaranase-
malskrg rel Pocsrriaei mand Iintit uteri
capacity on cilmate change
mitipation, adaptation, Impact
pedlart gbr krsk sgrty meme Png

Develap effeervu, secountable and
trangparert Insitutloni at al lee

» One df the tera under Bank'e Exelunion tist Is ane-prahlbition
Ot tnancing setiytlss jelated to art luliery and cortuptinm

actviles

» Bank 5 certitled: ISO 370012016 hegarding Anti Bilbery
Managernent System #mbagdet. In Sub-dimsetorate af
Strategit Procurermerit and Adirrvri Property Management

» Banks Board af Commiasisners-and Board ct Director also
Slgned tise Deslarstion of the Intmority Pact, Code of Ekives &
Anti-Camuptkan Tammitment penodkaally atarting Ir 2020. In
A28 rhe S9niirig took plare-an 1 July Z00-and is published oh
the CIMB Niaga webulte

Bank implemented Sustainable Finarwe Policy and Procedurs
Yovetring the Sustainability Due Ollgence mechanamn TNs
mechantamn encnunges customers to adopt best sustaratiity
practices in their bumnees cperatkana

» Barik owre 3 dadicited webuta addresing sustainabilty
topirs, socemlbis for OLlbGc

» Ardditonatiy, Barik axtivey mnyages In varkiLa sustalhatillty
Initiatives and servitias, such as The Cooler Earth Sustainability
Summit This Initlanye airns to false awhrenass ofsustalnebility.
suda catalyye custornyers Ark stakeholders to take aseton,
&nd bulid resi mmorbshturn Ie sustamabillty

Tnroughout 2024, Bank has conducted 9 training sessioraon
Ciwrate change-related Faks and Oppottun bes

Bank consatentiy uphojas Ine values of accountability and
araparengy in Its business scomtida alkgrirg with the Corpotate
Policy Manual

Sustainable Development Goals
(SDG) Related Sustainability
Governance Based on the
Global Investors for Sustainable
Development (GISD) Alliance .....

Bank sommowhedgas Tni efTbres 10 mitigate tempat Of SDGs-relaneg rak WII Is suscesatul
win Ntegrstad Into 4 wesii-estmshei y0vemnannas Stnulitatts

2. Bank Nasa sustmnabelity governance bady In Pine WM suppan the achisvemeng of SDGs.
Tie sustalnhdIity govermancs body structure referd to. Pilar 4: Goarnarke and Bak The
Adteevement- and Imnpderpentamon of the Tes peta to Presigentikt Regulatarn af the
Republic of Indonesia Nol of 2022 coneerning Inidlemeritation St the Athlevernani: of
Suatan abs Developer Gonta

3, Bank currently has a Sustainability Uhitand at Integrated 3 Ciiviate Risk Unit tespareble tar
teng lerrerting Uhe sumtulryakilky Tarmawotk, meludingaupporting SDA

9, IR (£ bow to adidresg EDG relined (ende and @insure tnat Initiatives and agtors toeatd

Methalany rip Pase Sisata Pihtoe Dasyeligyersrit Goals atd con euareaiyehy samettet

Bank has vanoua piillcies supporting The acnieementaf tne anne indjuding but pot timmed
"0 Sustainatslity Palicy, Sustainubse Finance Pelloyand Hurman Rights Policy

2. Bank owts te Greet Goda SUAtAINktiIllty (ipsset Proellot A Sarwoe (CSSIPS) farnevatk
1» anyurs Ninanting alighe yeth pesite- contiibitiohi to SDG2

IL San Is devplopedi a medal and metientulogy to cilmate scerikt ks arnelyas FOSAJ ani
Darticpated in a-fillot project for uiinnate Nak stress tests (CRST) regusated by tina Financisi
SatVkais Akattntiny (OK), TTMS aalfres ti asma this Yesdilimetncas Of Elaryk busaihesas prynital rat
mmegy (n adidnessing dimate cnangs, ot-only in the short tarm butatka In the medium
und Iong tetrm

4, Bank Nag Inglarnented and cperates 3 Susiainability Ou Dikgence (SDD) mechanam
coverirkg both creelit and nOr- credit dctivitam

&. Sustainability Due Oiligence it congunteg, sonldeANg VaNGUS SniroAMantal hnd ata

asodets, Inciuding SDG achievemneriti

Barik Ais0 hua strategy to Idartiky SEiG-tetatad opporturit and charkengas

| Incorporanng rika related 20 Tire SDG3-ae 3 corsideranon in assessing Snancisi and non:
tinunea isis

2. Rasing debtor awareness an SDS achieyomenta wine revewing and Inteprating SDG
aapecis Into SDD

3 Enhancing sustainability nek Mteracy and understanmhng of the Sustalnahts Dewalopnnant
Gonta /SOGA) for BariKs Interrui mtakeholdera, custorryeri, and suppl-era

& Kentilyihg peterrial aka related to Ihe Sustalnktska Develaperesit Cobls

LK Identily debtora Partfolidgroun that harta gesitive Inipoct and: cantribute to aehiayirng the
sDGE

2 Sustainability Dus Dilganee GRID) centiacted an Banks tnansing portfolio

IX. Bin as dentified da seetora with lah carbon ar greanhuda gas (OMG) eeriaslan Intepesitp
Ardi has set sesrce-based Inten decarbonizaton targets for aach sectos

36

PT Boni TIM Nilnya Tbk

Sustainable
Development Goals Contribution
(sDas)
CG emissions assodated Bank caltulat GMC smissidas frarm Bank GSD
with the Companyand tns financing as of TI Decerrber ARI In nine
project jt Mnaoes, using tts Is ielentitjad yo has hitih CNG senisalang
speaflad methadology intensity pecoding to the Nat Zero Banking
illursca (NZSA), The Galsulatanps pemuda esp
4 total af S42 million tonres COze In Banks
financing portiofio. Further Information can be
Sounet In Pillar | Sustainable Actor
Percantage of Investrmeni Dwarse Bank hokis sustsinatle (nvestment portfolio. GSD
Portfolio that Is Ir lirie wyitta soonlsting af Sreer Bancis and Green Sakuh
Ine definition of Sustainable Bsied by State-Owned Enterprises |)
Deselopment Investng (SDI) 1he Government of the Republic of Indonesia,
amounting to Rp569:75 blllian Ir 2024. Pulttiet
#ntormaman cambe found In Mllar2 Sustainale
Businesa
Total outstanding (care Bank has disbursed Rp270 tilion Gn MSME HIPSO-—FI-
mabes Of cliatersedhigg Ian Koarning tt 7000 dultors, with Mnanding OVnz

bagmnented based ori
financing ter MSMEaj

Campositian of mito business of «8, amull
enterprines of 294, and medum entemirses of
673. Furthes Infoernation can be found in Piliar
2 Susumnabis Business

Tata amriguint andi value of
free cheeking accounts for
Custornert who previbusiy
did not havea bank aecount

As af TI December 2024, there wet 35 A35
with da totak

Studeri Savings (SimPefi acebun'
value of Rp3 billlars

Sustainability
Report

New ang ensring Business

Bank has less than OLPW af (ts tatal finanerng

Sustainability

4ctivives (riarselna thanneled t tnermial cosi mining arid Oil and Report
INvesamart, Insuraneej gas ekpioration companist Furthermare, ne
el ta thermal coal her financing fortherrrnal coal msireeparsar
mining and all and gas @ctivitjei. Purther information can be found Ir
@apidration cormpanen Pillar 2 Sustmnable Business
Tetal armount and value frorrs Ermironimnental- Based Business Astivity IKUBL) GSD
green and sustainability: Mnancing as of IT December 2026 reecned
ralunad fnancing RORNI tiiWon diistributes s9 rnote tharj 3200
@ebtors Furthee Information can bs found In
Pilar 2 Sustarn able Business
Portfolio impact analysis Oketse Airndst IS Of Barice total fiareirug kr UNEP FI

bandurteg to infarm
business strategy. erauring
that the peocess And outpiuts
Of the andlysis adheseta
npphcable guidsiines

high: level of sustaimaillty rak “potensi
Eurther infaimatiun can be found In Pillar 4
Gowrnange and Risa

implemeryation afimpacr
nnalysis ms and

dieri/irvestes comoany

tersepagyer arit

Sustainable
Development Goals

Contribution

Bank his a regulated
Oligence ISDD) mechariam far delitors and
business selatians with sustaipukinty act
plang that refer fo international best practices
Furtter Inloemsatkarn car te found Iri Pilar 3
Corporate Social Resporisibility (CSR)

Sustainability Due

UNEP Fi

Total cteecking account

Yansnctibns ad dctve users

4, Bank had 36,538 mendua cheekang
sccount customets MSME vulLed at Rp463
srifian Furtiser informabon can be found ir
Pullar 1 Sustainable Action

Incentives nrovided Tor

Oke Sawin

meotnts

In 2024, Bank provined
acebunts Wi
Rp
informaon
Sawial Responsibility

student savinga

& total donatlin value of

256 milan far secaunt apenlngi Furthes

an be found in Pillar 3 Corporate

(CSR!

iRie

Total amountand velus af

As of 31 December 2024, the Sustainatility-

ustal ability

ESG-elutad financing, where Unkea Losvrinancing (SLLA) pibotarm  Repoit

the conditions are afected was granted to S debtars valusd at Rp159

by sustainatiiity pertorrnance tridian, and the Sustamebis Finance prooram
provided Rp313 titan In fihanang to
debtoss Furthes informmaton can ferana ir
Dillar 2 Sustainsble Buliinesa

Total aecountz held by Total There are 676 female debtott in Bankt MSME GSD

acoourta held ly weormen In
cauntrles with large gander
diapun tie

Ineluskat

egarding financial

Kaandng Furthsst Information Sar bs found Ir
Pillar 2 Sustainable Business

38

PT Boni TIM Nilnya Tbk

Brief Communication: CIMB Niaga
and CIMB Group Towards a Net
Zero Greenhouse Gas (GHG)
Emissions Organization by 2050

Communicate
Manice perlodical
progresi towardz
(re achiovement

af neLraro CHO
emimlons target
to key Internal 06
and antena
"akehoider

Measure GHG
amissions
Scope, 2,

and3

01

Identity dak and

opportunity on
arnisalon source

02
Roadmap to
aNet Zero
Carbon-Neutral
Organization by
2050

04
Strategy settirg for
climate transitlon risk
mitigation through
@nargy saving and
Banks grean portfolio
capasure growth

Strategy Towards NZE 2050

Optimizing Business Location

Optimgation of physical office facilities
“ Reductan of hperstional afice space

Avoiding and Reducing Energy Consumption

Investrrvent In energy efficiency octiviles and tampalghs fat Ifastyis changes
Development of 2 aystem for recording operational GHG emiasions data
Upgrading air canditiaitng (AC) units star locatons far snerayaavings
Carvwersan to LED: Ikghting In operational office

Green Energy

Tranarioning to epewabis arergy sources thrbugh the purcnase Ot verified renewabik energy
vertificutas

Solar paneis have been Instaled at tne Griya Niaga Bintaro | &2 benci office

“Internal Carbon Preing (ICP) Irvitiativs”

Carbon Offsets

Purchasing hiah-guality curban units (with certificatkon) froen local sources. for unaboloable
emiasong such as tIwough the indonesia Carbon Exchange (DXCarbon),

Green Sector Strategy

Canduatng regular measurement andi menitonng Ot emnissiona from the financing parttalia
Setting turgeta and strategies for green financing in tine palm oli, power, thermal coal ruring,
cemeni, resi sutate 28 welias ailand gas sectars

5 Cansrjinating With other bilsiness unit mgsnding strategied And potential tor. green faanding

UMS) Cotton Prcong NCT 4 an Merias mena af Gehiieweg pot ame TAKE mENINLKA Rar Stop DAD NN GOR ANOE hy KO Hy esgring d binti NN ar In tan
DMC ennantand Yenesunat Dp AhVA Sisa 3 Tana DIM Kemah Ea beo sei UT ARNULESNV UI it MWA Wadi ENg (CPU mesti

40

(FT Hak CIMI Play Tiok

Key Design Principles for Setting Interim Decarbonization Targets
Towards NZE 2050

Aligned With The NZE 2050 Climate Ambitian

The 2030 target &- coraitasit “Wati Ine
Mesarbonyatmn path towards NZE ISS0, which
It necessary v0 lima: glsbal Warrmlng 16 Well
sjow TING abaya prendustnsi Wveis and. to
prersaar va tpi paliafeet"s huntuitakaty

——

Bana NAS Enyureo WAT WI De SIN AKI RSS 2ear Int KeLUA Kena Orang liDe wefessar za mnagyIM OM UNI NY
motly pecetred wu Uredible Eka dexrumindges that alunats sesangu Is continugusly evotiiny. ttsaretale Batin
Tam cheat act now basad oertiee bata Natilesenondedga ang Will tevwtbe tang ts ja Orararih avapos ente
In eesenga rarpet onga misetyogd Ieagpyeet. Jae wd Pine corngi menga ul artangan

—---H--

—3— —

sha TI pe algpeg wah (viva dawai mean gni
rena dility 04 Moge atu errar tm Batik haw Irggrpesatai Lines &Oeselesnatiutes
hocorderige with pegiol ya (and osn) koi

Aenleving a Just Transitlen as an lmmerative

Ban rncsgris

wenpurenaf

willy ko bulneng pesiliwseeeld this
aa

meri

Achieving Net Zoro CHC Emnissions in Partnership
With Cltertz

Bank dst

trusen

ravopate Kuas

Kat dkitance if

2030 Emission Reduction Targets

As part of CIMB Group. CIMB Niaga has estatished sector Interim decarbonizatlon targsts 2030) for ix sectora witri high
carbon ermasion Intersity. These sectars Include tivermal coal mining, power, oland gas. pair oil, cemenir, andi real estate
More detaled intorrnation reading the scope ane swumpbtions behind these targets can be accessed through CIMB
Group'safficiai report.

Sectar

Palm OT Thermal Coal | Camar | Ol and Gas
Mining
Target MeriC  Pivesicwi mrvasaan Pryawal amkkan — Rudtustion Present Peansag Pyasonl amnlesion

Imontit mpremetiln —intensity sapresseti In portfolio ernisdon Emang Intendty,mpeesod
tongut CO, saulsiant—InkgofoO, weponute, intarsny, Leon Inig ecu
sertenof palm egufsalien pe Oekresadana — eepressedke— Irtweity PELIL — #ubalkr pt ye

megawatt Saur partantagn INI tonaofCDe — #xpreesed ih wan Iri

Lusi sanjualard pat herwaf CD)

tas of coriamt. agullont ber
#hlBean Malinyakar
Birmoit Mal

#arrxafihe — Munting Power gertaratari  Iheernal cosi Cement Lpetream Developotu. mamnat
Van CMP Me1MrAg (neng mrunytscturna #plesulah ahd. mperatern and BEINS
iwetunoti production (ERP) |. merorar arina, (eta,
Tompener hotel indintriasl,
ani Integrutsd und mied buhsngy
omar Yoen
“erosi ports cah
ho valie criair
seupe at Scope ! finciLatng mpe lembsians Nia Secpeland “Scopel 243 Sevpe Land
Gustrrvsat and tete charge ch oa Dera operator
GHG mulatod emimions and @oneration cimnts c& corrider #missiona tam
#eniniors seawesratiani and 2 mahutsctunng bulkinga
Inthvatoti Of gewntation, bil msdi dllenta

intangtatnd tbeserta

Scope # uptream (ln
saat
fresh fruit busehen of
wrngtstad ckert3

Asnut Dussat - Firancirg porttito far customgts
incuded iihvestrrjeest portfolio recnreetias Awalliltile for Lake (AFS) ari His 2 Mtatianttp (HTM)
 Targat Fncditamian af Sapital asing petivitias Int curtomare Inctling bondMumk teruange are ina pie aan PAT,
Setting wfiich are part of tie portinisicf the Bank mubeldiary, D1 CIMB Niaga Sekuritaw
Haesilnn 181 Ioor 2001| A38 Ipar 2222| mardat), KKR Apen ZA Kd (perZU2N MP per puan
Kon tanyut Lag 7 su Cs 383 ”
Seat Adipasted SET FLAG Adjusted WANIE KANZERN SET Karbon (EA NZE 2050 IEAMPS KCREEMA
Lofereriw Cemrnedity Patnway tar 2050 (regioruil Iroganulj Interuity ergarall “2 rergonal
alta trodaloevnti Dartwag
far cerna
urobali
NZE fit Inino with thescenarip Inline satthi the Noesposuteto (In inewtn In ina with Iri ira weh the
#iTewensan Kar 20 sonar rethtence thermal con theseanario- tm mani seanari MNamnen
for 201p mesngby2060  tufotencetar — hofermncetor for 2050
2910 2730

kete
For mer intirewotiosi ot tha mm toner meta tenan KEERNO pure res an Ie oral TIME Gen 000 Wit sim Gearcemani Min be AAN) Wing: dat

42 | TOP Kenjaubutiy Rupat
FT Bali TIME Naya Tuk

Strategy to Achieve the 2030 Sectoral Interim Decarbonization Target

Sector Decarbonization Target
Meoorreoa Canda tetirolengg Ervurina sampillange wifi the prowwanw oftne Gonl Sectar Gumann
& Rogsary sttongthenirg the Lomi Sector Ketlance, meluding repanding it secee and mbadusihg
“ #esritia makar Mi milk Ihiweesotdte For bot rem una melbrg daditrira
Prosetnety engaging witti deteors to muppert thuir dherafhcution pan
« Fhmlfing time mgdargyeritatlam ai pebewuhit Soritrobs tes trudrsnge tin kaclwe.nnesrrke Imemeta ca
traesaititan
Paw Eniutino compllanes with the previsiors ofthe Coul Sector Uuidarite
Progreseveiy strongthahing the Caai Sector Gustance in Ilhe weh the cararmetment to Ohasa our nail
Tirwoong hy 2n60
Inzremung the proportien of financing for the renowabic energy coctor
Supportng OCUS ICatbon Cadtue ULBDMIoh. Isa Starngij technology findielrg wa koesg timer stmntadey
beyond 200
Fincitintnnes thn cerwdiuat wetty sar keresarit cf for Mam pemer pilar Iri mesen it rwEruamtsOr
tegulrernerta particularty far dobitors banviy relurt:om coal for powar ganerutian
Ol.and Gan mplurnenting Banks sexoai commitment by net prowidiny new dedicated financing for ot faia
projecta apprWard NT Unverapa ata Decernah S1 2027
Supporting and financing business dibohificaton far ol and gi debtots toward retevanbia arung tom
dion Pumlu. ir telutsd merastrutture
Activeky serporting ol and gas debt In mesuSng aperatiowal erriitan Intersity ari enhancing
praductide #Miclangy
Facitatng debtora in deveoping. meeting ang aoooltating that makoets CHG semhaor atretegnes
Pat GK Mamtaming the No Dafarestatinn, No Peat, and No Beptortabor (NOPE) commitment
Slapportng uwbtare In ADtaihing oertircurNn undtar Into hutkersal ad acar ever, Ieuitidirg tie
Rauodtabia 01 Siataitabe Paim Ol (RSPO) Maleysiar Sustainable Palrn Ol IMESS) Indonesian
Sontalcyole Dale Om RSPO and Interryitlorusi Gstwmalittp sd Garban Ceetingktian IROGI, wle
enhanring mmisuan data rnparting
Dremiding financing Pucilitssa tor newiy amruted wustainayw pan Ol debrors ang sapperung Yung:
debton in achieving and accolerating sinisaian intansty reductdin eticrtz
Prona the mutmtation af iga Gawat ghafiln atKonber OI Pel,
Ipcresaing financing and other torma bi support for dettora and supphers Wit 4 focus on eeonceric
Ihelunlors mn tvetmose Irmpttmerewrna Har wiwerdtia OrerIFa uci Ag WIN Uweisarn gr Wed ja
enhancernant for arnalihodar furrmara in the upstsearri sector
Camar Ehedursuing aril supporting the adkaptiah af ten hholotgkes thit reshuo #erviwaltirs
Providing financiog opbonn that tualitate uectorai decarbongatar
Infriwosisg dabtirs In the real estata sertar to #Topt, decarbonisation mmessunde tIneeety ASI DNGw.
Sigrtais uirid darnaba fob mone tumtamubly podiced cermat
Ceduberating band #ngugang wtm Industry Girguribatkone and regulator 16 cantibute Inskgran te
Gerartonizatan efforts in the cunstruction semat
Sefetive keteptara af mw Herman sertar Gokbars yet A Cikar trinetrar gear alianad wet hm Mes Za
LOSO semata
Dasi Estat inangog the development, retrofittng, and maintenance of more anergy dihoemt busidingg Incudng
ketvety zhahheling Tesancing tu Musdinga with Nikah away #Dcsncy Inggris ulir
cartificatong

Supporting the energy Vowalitior Ir thulkikega, Inuhding dlpeti keatirota cell termekwlihe memang
SapacRy Fetadatian and roninwakie enargy pro—mament through Perset Plrchase Agreernantr (PPA|
Supporting derors In devetoping and uchleving Thair netgero OMG eenlasonn plana

45 “
FT Bank CIMB Magi Tik

Sectoral Interim Decarbonization Targets and Achievemenis

The 2025 regional analysis results indicats
that (a) four sectors have exceeded thea
Interim decarbonization targets set In the
scenario teferance, |b) one sector has met the
decarbonization target In Ilne with the scenario
reference) and (ch one sector has not yet achieved
the Interim decarbonization target set in the
scenario reference.

The sectors that have. (exceeded the. Interim
decarbohizatlon targets set in. the scenario
reference are thermal coal rnining, power
generabon, palm oil, and real estate The
respectlve achievements of these sactors In 2023
vera 439, 254, 104, and 28 bsiow the scenariv
reference pathway. The achlevement was driven
by a cembination of factors In thermal coal
mining, erogress was primarily driven by natural
amortization ol financing and strict adherenca
to the coal sector guide. Meanwhile, exposure
atcross most sectors grew, but emissions declined
as portfollo growth was directed towards
lower-ernitting segment, particularly In. power
supported by large debt capital market deals for
renewable energy-and real estate. Additionaily,
debtors.within our portfolio that report emnissions,
by and large, showed encouraging year-on-year
decerbonizatien progress, further contributing
to 2missions reductions This was teinforced. by
stronder Internal control and policiss that have
been implemented

The achievement of the cil and gas sector was lower
compased to other sector, although if remained
alianed with the interim decarbonization targets
set by the JEA NZE 2050 (Reoional) reference. This
Is due to Increased credit utilkzation among lower-
emitting diients, which helped to keep exposure
growth to bs alloned with interim decarbonization
targats

Howeyer, the analysis resilts also Indicate that
the cement sector has not yet achieved Its Interim
decarbonization target as set In the scenafib
reference. This was driven by an (Increase In
exposuts to debtors with hiah smission Intensity.
Neverthalesa these debtors have established
decarbonization strateales and have achievad
annual carbon emission reductionz Therefare,
In line. with the principles of aa Just and balanced
transition, financing facilities will continue to be
provided, despite the short-term Impact on the
sectors target achisvement

Aggrsoatsy.climate action tnrough sectaralinterirn
decarbonizatlon targets remains on track with the
plannad teductian trajectory, Bank will continus
to Implsment mitigation mmessures to ensure that
targets are achleved effectively and remain aligned
with other sustainability commitments

sntsmbatiy Rare

Maya Tun

Achievement of Interim 2030 Targets Towards NZE 2050

Thermal Coal Mining
to Prrestalhn Eootataarw LG)

10

1071 Inez K3 RSG
| Ii

KANG WS

Pa baae I A5 U ga Paha
I 3.

Tas

1 tasntutn
Tanyai Patkrbeny Ad
@ mao Liha8 Tangan

Ba an

Oon aa Ping

O dent Pentiatea LINI peti IA MET

Comant
Ini eRcermeng
be

Ha
ak

05
na

»

emancity

Gmssisn
NO eAcettuera)
E

Tan) 022 033 30
| Tn G On Basars T

Iban MS IU

Tanetuana
sara J

@ troran dea
Monita hrs Drama

Palm On Power
noancio MW KKEO MN
PI .
2 Oa
Ie Te fiz ara
E - H3 2300
je Pa 3 | 3 Pa antum)
aa wd
ga ga
1133 2023 I030 KRI 1065 1050 Ta2 2073 1 I0ag IU NO
| TIM Ta Basara NI Wei Tea | Kaul aman Raman IT TE Tapa Pahang )
ya 1. v0. Net
@civaktnnsiva @ mean tuna @ con tarsiru @ 2020-2108 tegar

- Minho Besejatka - Akim HIT FLA "CIK Apes Punya Metniewut Sampan IL MABA
Comirunteg Pun Wong Peranan Unyu at
Oil & Gas Real Ertato
IntCD AMA Mit Weh
ng tg

Kan una
9 Cm
Da 2 CIOI

j

Emisslan
(co momen Mam)
8 8

Kn 2033 290 MMO RKS 2080
I In Dell Banaire I Hi Yayat Pulsa |
- Le

@ OhaBaman 2080 Cina Tinpar
— fetemrer Sinta - MANTE RIO “0 MBM Ipapess
Lengan

aa

NetUehn3

Ereisalan Intencity

.
32 X3 -.

| Banana II

KW) AMS. A50
TANI Tana Tuty )
Ko

@ en amtny

5 Matesena Suu ratik (LA APA
Gambie 2 (Negtball

(9 201021 tagar
@ an mua bryan

Sustainable Financing Opportunities In High-Carbon Emission Sectors

Beyond setting interim decarbonization targsts. Bank has also Identified sustairiable financing
Opportunities in vanous high-carbon emission sectors, including throvah nature-based solutions. Some
of these sustainable financing opportunities Indudie

Ecosystemn Sector

Energy Power

Opportunit

Work with power geretation companiss and sgulpment marufacturers
to adopt decmboriizatlan tunyata ahgned WIIN the Banks Intern
decarborsization targets

» Incsesse financing for new renenwable energy prolects

: Automotive

- Watk with saulpmnert fmanufactuters deslers and autanyotvs fihanciat

Isasing compatves to support slectrie vehicis JEVI supply chaina

» Increasa financing for EV-focused business

Ok and Gas

Work with compames in hard-to-abats sectors ta finance tenewabia
energy, lowernasiong fuel aitermatives and emissiong reduction
tectinologs

Bulit Erwionment Peel Eurate

“ wark with property asvelopers, operatbss and Inwestmnaist Companies to

encourarps adonan of anargy efficiency standaras for bulidinga

» Increase financing to suppart the retrafining ahd upgradirg oh existing

bulldinga with enengy-#NoehtegLipmesnt and maraktatlon of eneg
eneray

() Conatrusten

Wvark with contrectors and maternal suppilers to increase finanong to
men buliding conatrLction activities and enccuraga tia Incressed
Usage of sustainable bunding materials for better life cyele cost are to
lever ammbodlad cartar amisilons

Incresse financing of on-site nenewatis energy

46

FT iwih CIMI Oilanya Tio

About the Report........

PT Bank CIMB Niaga Tbk ("CIMB Niaga" or “Bank”)
periodically publish an annual sustainability report,
providing information on its environmental, sodial,
and governance (ESG) performance. The previpus
yaar's sustainability report was published on £
March'2024.

The data and information presented In this report
cover. Bank's performance from January 1 to
December 31, 2024, sourced from CIMB Niaga's
Head Office and all operational activities across
Indonesia. Financial performance Information is
derived from the sudited consolidated financial
statements prepared by 3 public accounting
firm Rintis, Jumadi, Rianto & Rekan Imember of
PricewaterhouseCoopers (PWC) Global Network,
yehile employee and electricity Usage data are
obtained from various business units and branch
offtes throughput Indonesia. There has been aa
testatement due to the update of emission factors.

The 2024 Sustainability Report has undargone a
verification process by an independent third party,
Kantor Akuntan Publik (KAP) Siddharta Widjaja
& Rekan or KPMG Indonesia, In accordance with
Assurance Engagement Standard (SPA) 3000
(Revised 2022) on Assurance Enoagements Other
than AbLdits or Revieas of Historical Financial
Information and Assurance Engagement
Standard (SPA) 3410 9n Assurance Engagement

an Grsehhouise Gas Statements as issued by the
Indonesian Institute of Public Accountant: The
appeintment-of thie Independent venifer fallowed
the Procurement af Goods and Services Policy and
Procedures, recelved approval from the Board of
Directors, and ansured to be free from any conflict
ot interest. The verification period took place from
November 20124 to March 2025

In preparing this report, Bank adheres to
the provisions olitllned In Finandal "Services
Authority Regulaton (POIK) No. SUPOJK.02/2017
on the Implementation of Sustainable: Finance
for Financial Institutions, lsisuers, and, Public
Companies. Ths Sustainability Report is also
prepared with reference to various frameworks and
Standards, Inciuding the Global Reporting Initiative
(GRI). GRI-G4 Financial Services Sector Supplement
Indicators, early adoptinnof Internatlonal Finandiil
Reporting Standards NFRS| SI and S2 the
Sustamnability Accounting Standards Board (SASB)
for the Financial Services sector, the Sustainable
Banking Assessment (SUSBA) by the World Wide
Fund (WWFI), the Sustainable Development Oosis
BDGsj, and the Global Investars for Sustaimabla
Develapment (GISD) Alliance Additionally, there Is
10 Information related to the Global Systernically
Important Bank (G-SIB) methodology. as Bank is
not ctassified under this category.

228
AT G

In 2024, Bank updated Its material topics
through surveys and interyiews designed in
collaboration With, CIMB. Group, engaging
neariy 1500 stakehoiders, including customers,
shateholders/investors, regulators, supplier,
amployses, local cammunities, labor unions,
non-prefit organizations, and financial
lastitutiong This process took place frorm June
to August 2024, coverning identification, business.
Impact assesment based On sustainable
finance principies, and prioritizatlon. The
updated material topic have beeri approved by
the Board of Directors.

wg

1 Sustamnabie and Responsible
Fian
2 Cybersacurity and Data Privacy
3 Risk Management and Business
Resilance
4 Cilmate Change
5 Hman Sigahts and Labour
Standards
6 Economic Inclusion arid t
7 Governance and Ethics
8 Olversity &tnelusion
9 Custarner Experience
10 Digitallsatlan 3nd Innovation
Nature and Blodetsity

Talent Attrsction Growth. and
Petentian

Welfars, Health and Safety

| 1074 Aetatsiihalifp Mena
FT Bak CUMI Meta Tio

48

Management Approach to | Topics

(AI Haa HI AE MALAM

f1) Sustainable and Responsible Finance

— ng — era

Ebonotnie Piettotrrueas (OA BIA De. 201 Up Sustainable Tinunee plays ah Inportunst tole In providing the financing

Ea famework ot Rank, supporting the sthievement of the SDS Inctuding
Pertfobo of Producta ond Laan Gualty climata charge actiong sod mutigation stritegika for climute change and
| the-estakkahmerit of a jow-&catbon sebhotnic eceeyaterm

Poleiea Rolatad 10 Soctal and Environmestal | X- 5x
agar angkatan | AN KN

Sltiness Artivitees joki Pi

Pernentage & Dusiness Partitillo According

to Banking Sector for Indivckiats with

Anaruing activities writad sustanaksity rasa. Cierrta recewing finanong
Iron Barik Tnay potential face Jesues related ta. defoneetatlan, watat

Limited Access Klu Fa) mati. tante change. cortnunity, latber, and hurnan Nghta Ali of
Approsch to Integrating ESG Factore In these mg important sustainabniity segi. As & weponsibe Bank, we
Crest! Ananya collaburate with debtors t6 triinimias the negatys Impacts af Tnancing
ES Ritik Assesament and Mibgatan at activities Additionity sustanahis firanae productMprogramng will
Portfodo Lesi supporta just transitony lowcatban econotny, the acftiwerrent of th

Patis Agrsermant, the Sastainabis Dewloprent Gosta and Inclustvoly
engoging custorneru, shareholders/investort, regulatora and local
commmuhitias

Disclosure df ESO Exposuis aridi Hal Taroote

Issyanog of sector-apadtic gulai nas documenta, including but nee Smited to land- based
sector, tvegh OMG erriiaions secara, and Agncultlirs. Fsrestry, Otrusr Laput Lie, are Lari
1.inse Cihanngge JAPAN ULUKT
Inergase ine poitfallo afaustatnahle Financing in we wet Indonesia's Green Tawononny ITHE)
and Banks nat kero OMG emnistiorns target ly 205D
Enbancing Iteraoy of Indonesian Sustainable Firanos Taxongany (TKS3 (formarly anon as
the Indonesan Sustainakstity Taconorny, TKI) to customers,
Enhanos sustainability ang sustainable finance Iteracy

"Align sustainatile Knance with Indonesia's FOLU Net Sink 2030 target (140 milkon tonnes
Coke hy RAYO) aril promngra Initiatives that present bindiversiny loss

| Inereate sustalrubte finance pertfolio in the palm of meetar

2 A

—GEaa- — ca

Bank conoducte pemprehensiyi susaingilily dus dilgenoran - Total finuncine perralla In sustainable
Customneruprospectivs custonera such as Sustalnatilits Due Dikgence bbeotirvsan metist bas (KALI mrrieseatut reg ton
(SOf) and Enhanced Sustainability Nwe Diliganos (ESDO), as well as Rp 5818 trillior

Perusal based on Seciot Olidanos MSME finanting thwosgh chumnsling
Bank Impames Actish Pliins fu certornerkprcspnetive CuttEnets Who (watned R05 billlan. Rot20 oilllor

do not mat tia mun mu sustamdbility teguerenta yet Or ABM af vs arngunt wus allocutad
Bank cunslstentty encuripes teslonveruprosgiective ustmrrases (a women debitor P4 Uf tesal MEME
to acippt and mplemant best sustainabsity practicee within their Channeting customer)

tespective asetors Total sustainnie nirn ll finnocing
Identification and ciassifcation of Banids portfalo nesad On Ikustomere with INDO/RSPO ceruficton
tustaitebillty Fak, sustuinatie butinesa activity catogocles DAKUBI, pemictalrng PETI tritikar

envtorimental social, arti siistainitik Impact Ibireer Solat lusuanes of tha Manufactutina Sectit

Sustainability Policy
andi Sustalnahiliy
Procedure
Sustansble Finance
Pesey and Sustainahis
Finance Procedura
High Sustalnahility
Rx Sector Liat

Sector Guktlarce

Suntuinoble Irmgntet Products arc Save), ari Ihe Indonesia Green Guldanee

Tawonomy ITHIL an well us Indonosia Sumainabia Finance Tamondrny, Integration of Hurnan Rights

(Ika coneeterations and NDPE commniltmenta
Integrating and mainatresming the No Detorestation. No Raat, NG Into SOO and ESDD

Explo'tetion INDRE) ptirsoles. which are mulernented Uhrough Sector
Gudance

Iriteserual

sudi, centiol

Ragular silectveress  testihg (CET)

Businese lunit

and Sustainahility Due Dilgence Andiysis (ANIMUTANJ) on the
spolication of sustairuitie finance including SOD and ESDD within
(he releant unit

Corrigiiance, Cotpotate Affair, and Legul
Diractoruta, mpecifiraliy tve Sustainabilty
Wark Unit

Cybersecurity and Data Privacy

Dati Security, Prima,
and Govertante Pin Ae

“Polka Har File Design
and Sales af Financial
Pendeta and Seo
asi

» Custortier Privnedy (Lila

Ay

Inttirmatian Tecnnology II) «
santo and Orgurusation

jasa Satar Devetoorrimrit
Policy
IOperationg Palley

- Sa La Secunty Poliev” Compilance Policy

End Umar Computing Palley

#T aan cita Ming Tiki

Technology payea enitisat rol: Im Mesgunag and KEpOremg Lho Fevel Of obaital trust and
3. (GP 0018

—d

Tbe banking sector in tughly vutneablo ta cyberattacea and thresta which can remult
In Sgnificant kesses far both customers-and Bare Taking this Into conedetatlan: Bank
Conlimuaty striwai to eriharice and strengthori its Opstationai systoma. Technoloyy wil
'enpact Bank financlal performanos operation and meplitatboo

PP,

TT Service Provider Usage
li Temon naya Dal

IT Peoce, Hikari
Zero compimnts simed to

IT Centinuty Policy cuatornar data pevacy

Diltyetat Lanking Policy

zscurm banking products and
san icas

: Paining and workiboos related Strengt hening cyberecutity tapabiiitias to be rere pecoletAae 3n Impecastatg IT
10 information and technotagy S0UTAY by afitigipatirg Virus and malware threats and rnitipating digitat Niska

« Efficierit, birrlaly, we coat tPersugh updates 49 nddert management ptatfarms arrid autornatlan of security
#lectiee uutillraton of technology testing on seplicatiors
to produce auality resabla, und Dewlopmentafthe Custosty 8 Pura Akan Suster sppilcabon, adosting new

teetinologies sed Holutiora Ihut are more eficient In meeting bukiresi need
Intagraban ofths OCTO Card Orgital Grodet GardAocto Tard Sharis Olga Card.
ato the CCTO Moviik apelizatian, eating cuktarners to use R without remuirirg
A ohysea card

Strengthering IT security sapabiliies and capatta to

pesactively antitipatp Vs and malware tniesita as well Ag Operations anti Intormation tecnnglaay Kirertorate
Initante digital riska

49

50 I| 1074 Prtaiisihalp Mes
FT ink CUMI ga Toke

Risk Management and Curentiy, one af the key concerna ofthe Financial Services Auttiority (OOK) Is the
Bus nets Resilllance thhnks abihty to miblrstaln Gnandal resillencs against clirate raksa CIMB Naga sarat
Scope and traguengy this priority and Ias conducted a diimnate risk stress test to aosess ahad strengthan Its
of sudits to review the rek management framesyark In response to dlimate related challenges
#mnalementatian of soelal

and ervironmeptal 3 1

pobcias as welas tik

assessment procedumes ep u—————.
aa PEN dssnin La tg
Ciwnata change rikk pole asa challenge for Bank, a& Its financing portfolio Ik
Indirecty vulnerante- 20 dinate-reluted Issues Therstore, integrating diimate risk
Corgideratiordi Into strategic decislon- making, pevernarwa, and risk managemant
Is mmential t0 ensure long-terrn resillencs and sustainabity

AL 3
1. stenana terus ANN
Sa » Surtalnability Pelky » Buberisalon of clirnite rak Impact anulysik tesultetn SIK
Sustainable Finance Development af models and methodologies to tacilitate the tnpismentanon af
Policy the Ciirnate Risk Sinsss Test (CAST)
» Carbon Emssidn » Preparation and integratitin af dimata rek rranagarnent framework Into Batik
Inventary Procedure and nek management
Methodolagy. Incorporate cilmate riak Into the Banks Riak Library
1» IX J
« Monitor arei sealuata bctivitkss ardAw porttollas that ray pervetata/ars assncatecd “ Submisuon of ciimate (sk
with Scope LL art 3 GNG ernissions impact analysis resulta to
Conduct various afieray sMelancy Inlklatives such as but nat limited to the use OK
at LED lights corctueting energy autits and Installirkg solar parela. Enr detallect “Me Bank has Integrated
Informutior, please refier te Pilar Sustainable Actana In Wes and Green Offke Litrate rise rruamayerment
section aspects Into the Bank's nek
» Conduct the Net Zero GMC Ernbssions Strategiy & Tilmiate Rksl Management management fremework.
Orogect Detalled eplanation can
Established a Himate scenario analysis (CSA| model and methodology and be referrad to Pilar &
Osrticipated In d clirrate siak stress tast (CRSTI pilot projeet as reguested by ng: Governance and Risk in
Financial Services Autiharity (OK) Governance Body Section
» Inplernenting Carbon Offsat Seherng, internal carbon prang (CP), andi
mudled varioLs Instrurnents that haye tie potertial to mnitkjats risks dbe-to GAG
ernisagra reguliting from the Bank's operations
» Purthase REG and carbon urin Indonesia Carbon Bxehange (IBXGatbon)
- 4 2

- TIM embalan seperting, alang With - Strategy, Finanos & Stratealc Procurement and Admin Propesty
GNG  amisalon teduction Initiatiyas, Management (SPAPM) Directorate, spenficaty the OHG
8 mn sevordarice with the estaolished Management Una
sustainability performance targets Risk Management Durectorate, specificalty the Integrated 4
: Inadiition, sustamabilitytopics meluding Clirnate Risk Unit and
GHG emissiars have become the scope «Compliance, Catporate Affairs, and Legal Directorate, apeoficaliy

af internal audits the Sustainabxlity Unit

4 Sunlawemiiy Report
( FT Bank IMB Magi Tiki.
Climate Change

Climate change Ia critical topic due to'its potential Impacts or the s#yeorwmnental
@nobomis, and secial aspecta af the business IncludiIng banking performance
Climate change can also lead to physical risks that thtesten assets and-affect

t (ustoneti abilty.to meet their obligations. J

—Vm— cD3—

Girnate change can affecifinanelal stabillty The physical Irnpacts of olimate

SastaadbIlty Polity and

Change can Isa to asset darsage operiOonal Uiinuptioris, and hagathwattaets Sustainability Procedure

On sustorrers and stakebaliters, Adelitkanaty, companies that fari to respond » Net 2410 GHG Ernlwlona
affectisly to policy, technology, and market changes-aimed at addressing Operational Potley

climate ena rnay face regulatory, reputationat and market riska Banks « Senart Spending Policy
suppait for clirats mutlostion and siaptation setipns wal prorrsote a just - Gesan Offee Palloy.
transition, 8 lew-carban econorny, the schleyament of-tha Pars Agreemeat » Carbon Emussipns Inventory
and the Sustainable Developmeht Gosis, While Incluulvely engaging clieeta. ard Methodolagy Procedure

Sharehultdera/Invesars, regulators and Ical cormmmumitasa.

» Net zero GHG emisslaha for Scope T and 2 in CIMB Niaga Gpetationa by 2080
» Onepsil hat zero GHG erimtora Senpe 1, 2 and 3) or petibeto #mlisan (NZE) argargatian by 205D
«Setting 2020 decarbonizatjon intesim target for several sectora, as follawa.
4. Therrnal Coal Mining Saetie
Reduce the financing portfolio of the tmermnal coal meaning. sector by 50K froen the 2001 baashne
ID. Cerment Sector
Reduce the pinysleal ervasikn Interaity dF custbarrsers an the cernant Lectiw by SEA, fenpn the 2OL7I Daselire
& Palrn Ok sector ' .
Reduce the emisalon intehsity of the- palm 0d pertfollo by 168 from tha 2022 baseline This Ss done by engaging
Kustorners ta Shifrthesr ptoductlon towbtedh Sustidrytatoles pamdrys Oli
KL Powet Sector .
Rediuce the ernisakan Intenslty af the pewer portfolio by 38 Irorr the 202 baseline), with a focus on alternathst
kow-carban arid renewable epergy wurtes tb bee elerste the decarbonizaran plans of customers
(& Real Estate Sector
Reduce tive physical emissions Intensity Of cusrrura in the real estate sector by 3686 (fetiya 2022 baseline), ny
funding tire development, tetrafit arid Inalntananue of mara energyeettident bulldings
t Okand Gas Sector
Reduce the ernisiari Intersity af Tinanscing for custamera In the oiland gas sector by TSM (from the 2022 bosehne|
and no langet provide new financing tor greenfield mining projacts wiose develonment & agpproved after 31
December 2071

|.

N

NO7A Pemtaitsihallp Mes

» Moniforand evaluate betivitles-andjor portfolos that generat/

»  Gonduct varioris anetay #ffinieney initiatves sur ag but ot.

». Canduct the Net Zaro Operatlofalistion Programtne (NZOPI|
» Establisfi & climatescenerio analysis (CSA) mudeland

» Implement Interndi- carbon pecing (ICP) harrewark ang

are related to Scope 12, andi BUMS emlisons

Nrnired to the use of LED Kghits condurting aneray audits arti
ipatalling solar parveis, For detailed Intorrnation, please reter to
Pillar'1 Sustainable Actians In Ye and Green Office section

methodology and participated In a dimate (sk atress test
(CRST) piiat project a3 reguested by the Finandisi Services
Authority (OIn)

seguire ifstruments cepable Of reducing nsjc assoclated wati
GG emissans stemming from tri Banks operstlons

——e—

» Utilizatlan of slectrksity generated from antar
Daneli at one df Bank Nend offcea

»- Purchase-at carbon Units Inom Indonesa
Carban Exchange IIDXCarban) and
'Renewable Enengy Certificate" from PLN.

» Energy corsumpitian Intenaity of B8 G/Rp
biltion

«Scope and 7 GHG emissan Intehsity With
Climate change mitigatlon effarts of |4ltong
Ot COn egulvalent/Rp bilhon ora decrense of
@libat 1296 when campared to 2023

» Water usage Intensity of 662. mnRp bilkan

» Paperusaos Inteosity af 63 kg Rp billlon-ora
decresss of 144 compared to 2073

Te evaluation Is conducted » Suntegy, Finance & Strasegic Procursmentand Admin Property

| using the same-approkch aa the Management SPAPMI Directorste speefically the GHG Managernent Work

Rek Management arit Businesa Unit

Resijenwe topics » Camplence, Corporate Affairs and Legal Directorare, spacihrally the
Sustainability Woek Unit

larang Report |
FT Bank CIMB Magi Tak

(s5) Human Rights and Labor Standards HB

—
 Egual Hkernan Rigiits wa cruciai tojalc that serjuliras continbals attention as Bank atknowiedges ali
Employment tkamarngnrs prineiplss, and matters related to human fghtsare inseparabis and Inalianabis
Oppo
kete N —
: Human Rights
Security Personnel
8 where Egjulty. Businesses |inked to hurnan rights yesationa face financlsl, legal, peputatonal #iuke are
and Incar damage to relatinrships with staksholders As 3 tesponsible business Bank & having the
Okyatan t6 upholul luna anu regulstionis related t0 human nphits and strives to Implenent
Internatlonal kuman rights pencipiles throughout Its Opemata ne suppy chairss. and businass
telationthips Tha (nctudes promoting fair labor peactices. ane tekting all Indiduak with
respect

«Human Rights Policy » Afnpierrent human nghts 2ipects in the SDIO process tor

» CIMB Niega Collectivs Labor Agteemant finanang and business relanars, including In the sector
(Eta) Guldancs

1 Recrutrneritand selectlan Pellay » Sodetration af kurryar rohts prinelolus

«. Diveralty and Inelusion Policy

3

« Implernentsustalnstilty and human nahts pelpelales, adhering « N6 Muram tights Viotationg repartesi In
to good corporate @tusrnante prudential banking principle, Banks. cperitional envifonment tnreugh
tompiance, and rick management the Whistisbiowing System (WBS)

« Gonduet SDD hesesements using the Exclusinn Ust that covers « Emnpleyment of people with dksekitas
tuman rights aspecin as pat af sgual employment opportunity
Ptovide grevaree  mechanisns thrsogh can Indapendeht, #ftorts

prafessibral third-party wtvstleblowing system - Ng cofmplaintveports regarding Untar

recruitment practices

Bank maulary asusimas Iruman rights raksa related to (ta « Muman Redourosi Oimetorste
businets activities and operatona estublahing heceasary « Compliance, Corporate Affairs ana Legal
mibgatan stepk In the event of human Iighits malatkong, Dirsctorata specificaily tie Sustainability Unit

Bank WII trangparantiy | peevide information regarding
the case depulopmants and resolutons to stakeholders
through various communication channela, inelschng the

Sustanaliitty Repart

53

kanan AN B,

54

L

| 1074 Aetatsiihalifp Mena
Frank "Take

@ Financial Literacy and Inclusion

aa, “2 miormation

Sustanetie Finance
Competeney
Development

» Initiatises to Impiove-

nancia| Itsracy and Indluson- are important toples to korsider, as banking
matitutions olay & crucial role Ih enhanoing financial awaraness within society

Finenelat Litersey poni
Si

Srnall Busneas Promotion
and Community
Developenent Prognimns
Yo GR-32D 61 PPI 3
pera

Financial Literaey Eguality
Ieoesihita Pa
Jaran

3

-

neluaivity In proniding Ing Tinancisl access 3D sil segmienta ofsecisty (ra country can
drive ecayamis growth, ensure financlsl system stablity, support poveity alleviktion
mitintives and contrihute to teducing eoanomic disparties amang cammunitiss. It
18 not only essential to-enhance financial Inelusion fortne public but atso cruciat19
Inprovs financial Iiteracy. Insufficisat understanding of financial products among
s6ciety rmay Increasa the risks asscctataci with financial prodilets

4 4
—.3—- bo ——
Corporate Social Enharce the financisi Ilteracy understanding
Responsibility Policy » Carducting financiah educatan and Iirsraty sctivilles for junior mat scheol
Corporate Social studeras through tne "Ayo Menabung dan Berhagi” (AMDE| program, and primany
Resparsibility Procedure 3choni sturients through the "Tour de Bank” ITOB) program and. providing the
Student Savirvgs (Sim/Pel) to pilmaiy and secondary serwol students
» Crganizing finaneial educatian and literacy for various greung, Induding CIMB
Niaga sehalarsnip redplenta teachers, MSMES worreni and peaoie with disabiitiss
tc AN 4

CIMB Niaga activey participstes
In financial seucation ah Nteticy
activities and fazilitates the saying
ateounts opering thibugh tra
AMDB aruj TOB programs

— Ceng.

———eg ——

The AMDB pragtany amended by 5319 secandary achpor students while the
TDB pirogram attengsd by 4,167 primary sehoal students

Through she AMDB and TDB programs, 61156 new itisdent sanngs actourts
wara opened

Financial Litetoey for Teacher Wabinar sesched 79 tesehets tom AMDB arid
TDB particpating sehools

Entrepraneursiiipi/business financial liteacy Eaining provided to 272 female
MSME players and people with disabilities In Eastern Indonesia

43 CIMB Niaga Senolarihip resplenta partiGpated in Be Smart program
Provided finanasi lteracy training for 30 people with disabihties
Achleversents of varibus CSR prograrns detalled in Pillar 3 Corporate Social
Mesparsibility (CSR)

and Htaracy matertals

Warklng Unit

« Konductlong pte- and post-tests for veribus program,
kapetially those remted to fimenclal education and #teracy
Perlodically revlewing the ceintent 5# (Inancial educational

Conducted assessment and Irnpact analysis utilking the
Soelal #eturn On Investment ISRO3) methodadngy tor sevural
progiams implemented by Community Development

Compliance,
Directorste,
Desloarment Unit

Corporate
apecifically

Atfara and Legal
trs Community

walau Repo
( FT aan Clan Miya Tol | 55

Governares & the foundasion for all aspecrs of Banks performance, including the
Implementation af-anvironmental, social, and a6veinahcs (ESGI princlpies

Good corporate governance 1 one. of the key factors for a. company sustamnatsiry Trebugti
proper govwenance, tive relabonenip between the management of the oroanizatlon and
stakehoiclars. (eustprrises, Sharehbidesi/inyestera, tegulators, suppiiars, embloyses, local

COmMmmunibes and Inborunlopah can he effectively managed, enauring th& mutuat ghtsand
Obiigators In alan with Banics vason and mission that also considering ESG Issuet

CE h Pertormanes Targatu SH

» Corporate Governance Palicy » Apetil sustainabilhty cututeand
« Anti-bilbery ard Corruptian Polley Integrate sustainability prnciples
» Anti-money Laundering and Counteding sne Tinancing ef Tamora Into business acovitles
Policy » Achievement of ESG-related
» Anti-Profferatlorj Financing Dolicy for Wehpons of Mass Destructon awas, Ineluding but not Imited to
» Human Rights (HR) Policy the ASEAN Corporate Govemance
» Anti-btibery Management System Potiay Seorecard /ACGSI and Ans Par
« Anti-Raud Policy Report Award (ARA)
» Suitulralslity Polley and Sustalnabsilty Procedutes » Improvement sustainability ot SG.
« Sustainable Finance Polisy and Sustainable Finance Procedurss related tatirnys
«Zero Net Greenhioute Das (GH) Erussions Opetatienl Policy
» Corrinerciai Credit Policy
J
—enn , en—
». Ektablishrrienit of Sustulmability Work Unit and! Implementad Ant-Bribery Manngetrierit Systerri
Integrated & Climate Risk Work Unit (ABMET In aecaroance SNI SO 17001 in this
» #ujjuservent of various chanteri and poticiss pirocurementof goods and services
» Implementation of governance with "beyond Reguiring Banks Business Partners to dgn tie
compiluncs" standatd, especially returring to Pantres Code of Etives und Partner Integrity Pat
Ihe ASEAN Corporate Governance Scorecard Cendyet due diligerwe for rey and exluting
(ACGS) eriteria, the Indonesia! Ganeal Gudellnes employeei as we! Iki businesa partneri (Know Volt
Tor Corporate Governanes (PUG- Ki) and other Empiloyee/KyE and Kncw You Custaman/kv)
sustainability-related stanowda and fearesyarks, Internalizatan Of corporate values and culturs
Induding bit not fimited to POOK Na SYPOIK 23/2017 througls three approachies narreiy EPICC
tepardina the Implstnentatjon of Sustainble Cernmunicatian, EPIOC Caseydlng, and EPIO0
Finance and The Preparation of Buatalnability Reporte Hardwtrlng
GRI SUSBA, SASB, GISD, IFRS Si and S2 TCFDI Bank rated as excellent company in terrma af DOG
Sistalnate Development Cosls (SDG:| syatern, Infrastructure and Implenverstatiori rak.
» Tertifation in governance prodedures inaccordares management and compilanca
with Intarnatlonal stendarca suci as the Implamentatlari af campliance reslews Lmllizing ths
Internatisnal Organ zatise for Standardiration (SO) Algniecl Assurange method, In whucti this Cornaliance
» Cenducting various socialzatiatrsininy) throbgh Urit llaise with Internal Aodit Unit regarding
various communication mediu-owned by Bank tompllance revsns
16 Injciease awarenkss about yusd corporate
@evemance to internal and extemal partiss

Ewaluation of cotponis  goyethanee Comillancs. Corporuta Affairs, and Legal Disetorite, specifcaily
Implementation bused on regulatary tne Good Corporate Govemance (GCG) & Sustainability Unit In
parieneteri, ACGS, PUGKI and best praetites collaboration with Risk Management Okactorate sa wall aa Muman

L Resourtes Directorate
4

1024 Pk-ntanshaldp Mass

Cina tasnya Tlah

8S Diversity and Inclusion

» Goyernance and #mployee
diversity (oa
“Gender pay rata (on una

The #mplsmantation of diveraity and: Indusan ptincoles Is part af Banks
atratagy to etablish an Inclusaye orgatizatan. In this regard, Barik provides
saLal opportunitms for All emoloyesi to partidpute In varlola oeirparate
aotivicsa, regardisas of aga, ethnicity, religion, race, social background, encer
Ekhls, or any Other potentially disenrninatary factors. By fosraring 'a pesitne
“IK #rvronrnerit Bank Alm to enhance gvesall arganisabonal perforrranca

An induske work culture seryeli asa competitke advantage for Bank In attihedrig top talent: trarn the-market The
Implsmentatan of melaty principles ersnires that. tiverte talenta have ugjuml copartunited to grew arit develon
alongsitke Bank, enabling them ito make thelr fuslest contributlons. Furthemmare, an ihclusike organization benefits
Troen a wide range of pesapectivet, allowing for more stfaetive problem-salvag and Supporting the achievement of this
Companys ualan ani musalon

.. at

Cotie af Ethics ana Code af Candust Policy

“| Diversity and Inchusian Policy
Na Human Rights Policy

CR —

Bulld a pesitis and Inclusye work anvironment
meoted In EPICC values 10 Impteve organizational
heat

Setstrategns abjectives prlortiaing

them Into Banks cworali growth
strategy through poly Isuance
Provide and deliver educatidn to ralse
awafenega of Dal among all employses
» Midrditaor darsel mesagart ca Tie
Implementation cf D&I principies
through data-driven approaches, much
at DB! Heahbnards arc repartihg
Enture leaders conecioisiy and
resporssibly support the establishmerit
Of an Inelusive cultural snviroeirtsrit
» Assist employees in accessing
#gunl development and wsitare
Opi0tturiltses truth menrjehanusent dare
#mpowermenit drograms
» Organize diversity ane Inetiakorn
prooturre tisat Invotve lenders and
#Mployees from all leweis of the
organization
Provide supporting faruliris and
Intrasznucture (64 recrearlonat & spora
Tadiities acrces Indonesia, Podcast
stutie, VR, LOG, and jawtatsar rooen)
10 enaure DAI progratns carrlad out as
elanned

en —

drersity and inctusion (D&I), Inteprating

WA

» Offered-emp3ayment Gpportunities for 12 persans witn disabilities

as Oursourced emplayees, refisrting a commitrwent to egual

Smployment upperturvties

Bulkding awareness within the Campany thmough dllaseminating

#bitatian of Banks Internal camwnuhicstlon charinels,

nlahijahting employse stories relateci to Iris appicatlonjexotirence

Ot diversity arvd inclusion ptinciptes in daily activites

» Ciganized various Iritiatves that value and support diyersity, such
as yarvder dlversity through Perspektif - Spectaculur & Inap
Wernen program, dcrees genesation-dlversity through YOUNG
CIMB Niaga, and digital slolk diversity through tie Digital
Lesderstwp Cokfarerice (DL

« Frovided range of Internal DAI traiing matenali, acceailble via
Internal learrung platform

» Implemented this Flemble Benefit Prograrn. enablirig smployees to
tailor tieir benefits ta meet their aperific reguirements

: Maintain the management of 3d btandhas df SHINE employee club
acthities with mate than 65 dlubs and 3B00 active Friembets

—a——

Bank evulustes the Implementation of every Initiative Undertaker,
bot purodsaliy ard TredutIh arus serveys related 16 ceganiratipnal
health, This evaluation aim 10 Inresaure Uhe #ffactivenass of tha ptoceus
Of mtamnulting the prineiples of diversity and Inclusion

En —

Human Res9urces Dinictorata. spesifically the Culture. Olversity, andi
Inetusian knit

Compliance, Corporate Aftaya and Legal Direcrorate: spedifically the

Susraknalbiliny Unit
L

09 Jese-snnntitereem

—E—

FT Bank CIMB Magi Tali

Sustainatie products and services

» Custorner meperjence IS crudiai Up ensure that custornars fest secure n

Product and service safety
Customer data secistity and ornacy
Jeon Jia |

Far design and sales af Ninanclal
Penta and services (NW FIS

assesiment of varous produkts
and services (La ale!)

Condurner hesith and safety
Protestan af customes Information
(EA) L

their transactiont and that Bank provides a Gositive sxpsriense whidn Ir
turn helps to malntain custpenur loyalty
Bank 2stublisnas KPIS for products arc services by measuring cusrorrer
lowaity through the Net Promoter Score (NPSI

« Custonyer satistanton Ika core. caminim eni farthe company, mmanifeareci
Ae gi Irpras tnrough (the internalitation cf The BPICC values: belia Customer
Cerntncay Isa mandatoey value ernbraoed by'all emiployees in thalr daliy
Antivitisg

» Financial valusat products and
services designed to support soclal

wusifare bai es

One of cha key facrarg In Banks sustainalslity Is the trust and-support.af
Customers. Bank coritinunisiy stilves 10 provide te best expetiance for
IS bustofrers Pasitve cistomar experiences riot only dirve custofrer
retantion but also snables Bank tc atirset ntaw custarner

13 -

3

» Customer Protection Policy (Sharia)
» Customer Proteeeion Polioy (Comentiordi)

CT —

Improve customer satisfaction sutvey results
» Reduce tie hurmbet of compiairits received by Bank
» Entianee custorner capetlenge by rreasunirg NPS

——GEna—

» Conduet parivella custoryet satistar an aura

» Provide varicus service channela suci as branch

offices Digital Lounge, 26/7 Coritact Center wehsita,

Uye Onat, WhatsApp CIMB Njaga, and social media

aceounta like Facebook, X and Instagram

Irnptore the performance of the Custorner Care

and Custanyer Baper laras Unita through enhunced

cormpialng resotutton gualky

« “Set KPIS for Ohodukts and Services 'based or NPS

messurernept

Conduet perlodic educanor-on transactlon security

tirough serve chanhnels

“Manise. the Implementation of condumner
pratertian policies regularly

— tm —

» Malhitalnitig Semtbrner boyullty bevels vit an NPS score of
STW In OA

« Ersuring' customer compluint resolution rate-oFaRA frorri
3022 H IUA4

U

Conilucting custarrset satisfaetiurs Alitwsps

Duselorata of Consumer Banking, apecifiaslly tne
Customer Excerience & Protection Unit.

L

F3
9

57

1074 Semtatuulnp Mel
FT Bak CUMI Meta Tio

(10) Digitalization and Innovation

Digitalzation and
Innovation

In the banking #custry, mpid technojogical ndvarkemants reguire banks to consistentiy
@mibtace digit transformator ahd Innevate their produtts and services to deliverthe best

posuibls snjasrlnrcs tor Cuytensa

The rapid advancement at tecmology has led to new. Innovatiora, partieulary In banking, such as mobile banking
and cashless teinsactiara making banking services more sficisat, conwenlarit, ared mowesska In Ine with Bank
Comrmitment. to delivsring the basa service. and custorner experience, Bank continues to drive: digitsizatan and irnovate
Its products andi services to rneet the-syolving needs of customers This enabka Bank to boister its regutatlon- and
GottvpotitAveresad Ir porowidieng Firsanyelal urea

PP,

—e

L

» Informatorn merhmology (Ti Strateoy and Orgarkzatian
Palley.
IT Systern Development Policy
"IT Operational Polity
IT Communisatian Network Paliey
IT conpnulty Polley
» End User Computing Pallay
Digital Banking Pabey
IT Service Promider Usage Policy
SIT Procesa, Alik and Carmpilancs Paliny

Enhancing digit! capabilitiss and ptolluct inewetian
through the development af techrology-baszed
banking. services focused an customer needs This can
be memsured through Ihdilcatars sudh axthe ncreasa pn
actve users Of diyital plattoerris, he grosvth In cashlass
transactiont volurme, custofmer satisfaction Iswels with
digita! servons, and the anrual lane of new laneryative
products Os featurss

— On

en—

Tr
Develop and uponte digali servire features » Developed OCTO Bil2 asa replacement for Bechannei
regulariy to mmaintair its relayance towards CIMB witn trs development of verious features
Customer need Actveve 248 milllan Application Programrning (nterfacs

« Irnprore technology |(nhastructure te support (API hits by December 2022, With a total Marninal valus af
(aster, saferard Mora reliaois Iransattons Rp42 teilkkon in transectlors
» Analyze custurner banauar data to kekentily » Launcha aluctrotie Supply Chulh Finanos (escFj AP|
Oppertunitses far new product and service and CKTO Pay API
Innowatons Signifeant atowth In TAM adopuon of digital banking
services when campaad to 2023
» Enunchad Bulk service for eficisnt bulk fund trarster and
upelates the Secure File Tearmfar Peotbenl SFTP) Bulk
Payment festure in Brrehannel DKI MB
— AA,

—ennB—

Evaluatjar' Is conducted through regilar monitating
of digital platform perlormuance and usage data
anafyais to enlire servke statslity, relubillity,. und
sMertvenasa. Furtherrioee pereda reviews of
digital banking service Operational efficency are
conducted to Improve ipsed. acourscy, and -sffectively
atidiress customer regullreryanta

L

Nerware & Digital Banking Direcrorate, specificaly the
Digital Bankirvy, Branchilesa & Partrerunip Unit

» Busines Banwing Directorats 2peciflcsiiy the Ttansaction
Banking Wark Unit

- 'Dbstatlars and Information Technoloay Directorste

» Operational (ocatiana that are
Own legsad, managed, or
aujacarit ta, protected areas nd
areas with hah blodiversity vahus
Uutslde protected areas MAL 94)

» “Sitifidarjtimpacts ot aceiting
producrs and servineson
bbiodiveesiry (Gm Ns)

» Blodiyarsity conseryatlan efforts

galatemuny Report |
( FT Bank CIMB Magi Tak

Bank ensures that Its operational sctvilles and business relatlarshipa,
meluding financing fot customers do nat negatively Impact biodivetsity

And ecesystarn Integnty

Business artivitiss heavily rely or the anvikonment The degadation
Ot blodivesity. poses & high #isk to the Justainstility cf dekto-cwned
companies Th Indirectiy affeets Bank tnrough potential inceases In
defaut Maks and reputational Fak for Bank

Sustainatility Polley
« Sestalnatse Finance Pollty

Fapkoitation (NDPE)
» Baelualon List
“ Sector Guldante

Banks commenitmentaf No Defprestatlon, No Pest, No

TT

»3DD andr ESDO impisensatatan Oh
business relatanships
- SDD #ndtv ESOD (mplemesitatian ar

Implerneritatiar: of SDD andibe ESDD masha srna
« Through Sector Ouidance Bank ancourage
Customer and bitines partndts. to. sdopt
sustalnsbillty best practites. partculany appiying
the NDPE principles In palm oil forestiy, andi
natural tubber sectista

Le

5 ND04 ot corporate barueing dekiars have conelsetar SDI
andjor ESDD

» GO Of busirveas telationitups have conducted SDO

» Tire #majarity af BarW's debtora In paten dll forestry, anal
natursirubber sector hovecommittedto NDPE principle

A

tuntas

Corducting Irtarrnal audits and control affeetivurvess testirvg (CET) Tompllance. -Dorperats . Affaita, and Legal
tegutarly to avalusta che Implemertatian 67 sustalnatuity and Dissetoratu, spesfitaly tie Sustainability Ur,
sustainable finance, including SDD andjor ESDD acrgsa relevant

59

N

ae ki

60 FT Bank CUMI hang Tio

Material Tapi: and Its lmportanon for Company Sustainability

Teient devaloomart plays & cricial role In steengthening Bank's cadabilibes ane

Employee trarung and
enhancing It capasity, enabing employbes to COongstantly delher mnovatve

aki developrwe:

Average training hours per antutans andi artain optimal performance

#rnbloyes INI s0 »

SKIN deveioprrert and

retirerrtant BIA

Regular re a Empioyess ate a crudal asset for Bank. Therafore, effective enanagerment and
pertarmanee and career ankancament af empsoyse gusity, Incuding training are skdil development,-are

Gevelopment jonrana 2eentidi Imoroving embioyee aklils can lead. to Incressed productivib, utimateky
empoeting Banks overall pertormance

”——NEB cCeRa-—
Employee Learning Pofioy Ive and nigh-ousliny arnptoyes capabilny
N.- Employes Grade Promution Policy rograrne Isa key focus centered around three
Talent Managermarit Paliy main penciplaw miperancu, spojuhe are #ralrving: Terus
Employee Transfer (Mutation) Pot programs are tmlored to Banks needs refiscted in varibus
Learning and Dewsioprrerit Program Palicy, uspectssuch as the nbmber of tralning types. training hours
Orisntatian af Dlpectats, Bowrd cf Com mlssiarser @iargiciparit umbar ana more
and Sharia Supervizory Board

AC@usiTttok

RETENTION

2254 Sialang Rebort |
FT Bank CIMB Magi Tali.

Ce

« Empinyee oeyslopmarit focuses an three mam
perindipkes
» Rxpetlance -— Dewsloing campetencles through

#xparded tasks and resparsibilities, job rotations
through structured and Integrated talent
Ovelopenknt projirarns ts suppart the srhancetnent
Of ermployes competeneias to meet the expected
sutcess profile

Ripasur& — Dewsloptnerit through Weerioua perrerdira
guth A8 coaching and mentoang, networking
Oepurtunitiss azsipnmenis in varicus sidregic cross
colnty oneresaturetional jirobscta, andi asilareneyits
In slbaidinries or CIMB Group In vangus colintrieg
Education - ntegrated progiares designed to deselop
Ingkvidusi, managerial, ang lesdatuhip competences
Hg vesi as specific fursctional and technical
Compencies needed to support key buanese
oojectves.

Providing a ftayitie learning platform threugh the
tikgation of Virtual Resty (VR) technology and
Inpoyating learning technology by Integrating vangus
digital tearing platorrns Into a single platform, HyLearn,
within Arjun This platoren Includes features such 42
Lewung on The Go (LOG), wiveih hasi new eyolved Into
LO, a Knowlzsdge Management Systern (KMSL anda
Learrang Hulk LOG (Learning on the Go Plus) coresists
ur LOG,
Platforen (LXP), which leveragas Artificial intsilioenee (An
to dffar personaltasd learning recommendatiars talisted
tO employees' dlverse learning needs

Loatning Journey, anda Leatring Experisng

« Provided 1900 Isarning rrodules an LOG, coveting

« Avallability Ofever 3AUIOO content pieces

« Evglustion results arhieved trs establshed targeta,

cEeB——

The average taining hours per empinyes In 2024
fencned 20 hburt with a total af 32.960 training
pamiripanis

Through the participatian af 307 empioyses In ane
OPERA Innowatiori event. 359 Inngvative ideas were -
generatad

VR Yevicea available at32S oranch locstans acroga
95 calas in Indoresia, along With 10 VR leaming
Lentera (VR Tornesij featuring 24 triining modules
Recognition towereis lenrning-related Initiatves
and Inndraticna- sininga Cold award at- the
Brindon Mall MCM. Exeslanca Awbid 2024 Ir the
Learning & Development category for Best Use
Of hugmented Reality and Metaverse, Best Use of
Maotule Learring, and Best Laamning Technology
Implementation

mandatory certiflcation programs, basic core
tompetencies basic sales tundamentals bas
servke fundamental shara, digital and data, and:
SPPUR

retuding
mare than 209001) madutes and 000 ebooks
Ot LXP, featuring various lsarning fagilitatan tools
such ne ShI-Basod Benchmark Live-Leaming
Events and Setf-Schediked Training. These have
been nocessedi by Oyes YLBOO parjolparits The
total number Of earning sesiona vla LOC4
ceededi 230.500 participants

with sualbation af participart reactina score ot 471

(posinsta target af 4 SOj-and pertidipantknowkage
@saluationi scoring B5.66 (against a target at BO)

A review process js conducted 49 evaluate partitipant tesponset
and knowledaos fokewing sacn tamning progran

Hurnan Resources Directorate, sesaificuliy the
Learning & Develoament Unit

61

L

| 1074 Aetatsiihalifp Mena
FT Bank CUMI tetang Tok

Oceupatlonal ebith and safaty
Management system Kl
Octupstianal kesith services (nct)

——e—

Employee Weifire, Hesith. arid Satety are cruda aspects that Bank
ptioritizes to-provicis-a Konducye and safa working enviranment,
Sasuning positive Impacts on both employses and the community

Employes partcipatish, con&iltatioh and
cammunlcation on secupatkonal health
anal safety (Nora
Ermnployes cecubational hesith and safety
aa
Emoityee hesth guatky mprieersent
laos-e|

». Employee covered by tree cecupatiaru
bearh and safety management asiem
Iankah

» Safe and aueguate working ervironmerit

Pootly managad welfare, heairh, and safety dan pose Faks to Banks
teplutaton. Trrougn sffectis managemert of Weli-being, hagith,
and safety, & henitny and safe wareng environment can be-created,
reduting the likelinood of work-telated accidanta/ Ulnesses that may
land to dernotivatlan and decrsased wark productivity

Na $ an
holi 4 ( ca B——
Work Security and Satety Risk « Mehisyiag Zero scoidenits In Banks operstanai sctivities
Management Polikty Ersuring physical and mental health of emoloyess to support work

Prodletanty

£

Ac hluverrarit Strateg me TA

Implemnernting tie ktytirid Working (My orkd initiatve as 5 collaboratwe warking model far snuplayees by werklng
bath In the office and remotely, and prediding HySpace, a ro-working space tacility

Providinig tactabon rooryis and besith Insurance benefits for ali smployees

Offering naaluh clinics, sports dentars (Gelora), and 46 recreabonal and sports facilitiss serass Indonesia 16 prornota
pinysicat, spiritual, and mental healtn

Providing financial aksstanca foe empioyeesaffected by disastars Or Emergersies and tonducting Work sataty

edutaticn prograr
| ehirumanes 4 ,

No workhilace seiderta were teportati wtnilh Banks work envibarmant tnroughout 2009.

Al amployees and 1heli familiss are covered by compreherslye health Insurance benefits, Incruding inpatent,
Outparjert, dental. optical, and rmaterrilty Ocwarags, On tap Of the Odverhment-mandated Insurance program

» Bank offeredi two Ih-house CiM3 Niaga elihles (IMC), ptovidirgi cashlese hesithcate senaces for emnployees Asei shielt
familjas Thase clinic4 operate six days a week staffed by general practiboneri. dental peotesalonals, and phermacata
Italso offers mecination prograrns andi conduct regular hesith education sessiana, both Online and offine. with sepert
spenkern

Dark has taken preventive healthcare massures Induding crganizing mass nealtn check-ups (MC) and vaccenariors
tor phisumoria and dengus fever. These inibatives are designed to snture- emiployses ane their famili can cetar
at their best while proritzing both physeal arid rrveritas) rvesttha

Al arnployses have completed fire extingyulsher talning using Virusal reality (VR) theough Ine “Fine Drill" module,
accessbie vis VA Hegekets located at UR Cornera and branch office across the countiy

Responaibiu Directorate

Bank evalustes tie amplementaton of » Human Resources Directorste

den (rifiat)ve 10 asesmen is affeetlvenaes

» Siralany. Fipahce 4 Strategic Procurement ane Adit Property
Management (SPAPMI Direetarats, specifisaly SPARM Work Unit

SUSTAINABLE
ACTION

us

1: 27.45

Ratio of median
employee income to the
highest-pald employee's

compensation

Ratio of highest-pald
employee compensatian
growth to the median
compensatlon growth af

allernployees

61

Growth in
median employee
compensatitn
Tea

3.71

Growth in hlgahest-
pald employee
compensation

3.03

Human Capital
Return on Invesment
(Hc R01)

1:0.88 1:0.81

Male Fernale

ve

Ratio of ernployse
Compensatlon with
the'lowest Wage to the
Regional Minimum
Wage (UMR) of the
employee (rolesi-h 201

The lowest.compensatlon
ratio for males and
fernalesemployees

Yam mos-al

2054 Silat Febort
FT mmk Cina Ming Tai | 65

WE TOGETHER WITH EMPLOYEES

Employment and
Employee Eguality

TPOnk et. 21) INUTNA LOLA, LA. TACGA A61 LG, Lal

CIMB Niaga acknowledges that effective
human resource managament is essential to
Banks dedication te facilitating the realization
ot its long-term business strategy, To achieye
this Bank adopts 3 work culture based on the
values of Enabillng Talent, Passion, Inteority. 4
Accountability, Collaboration, and Customer
Centricity (EPICC). These values create 3 work
snvionmenit that hot.only focuses On achieving
business objectives but also pridritizes respect for
human rights The sffectuveness of this cuitura|
Impiasmentatlan is reflected in the: resilits of the
2024 Organirational Haalth Index (OHf) survey,
where Bank achieved a score of 91, maintaining its
position in the top TOX (top decile), This ranking
Indicatesa hedithy and productive organizational
anmronment

Bank provides eglal growth opportunities
for all employses Performance assassments
are conducted based ori Key Performance
Indicators (KP/), which evaluate not only.business
achievements but also short and lona-term
sustainability performance. This ensures that
every empioyee has the same opportunity
to enhance their campetencies and receive
tecogritlon based on their contributlons. In
addition :to employees, all members of Banks
Board of Directors aiso have sustainability
performance KPts, which account for SK of
their overall KPI The achievement of these
sustainability targets directiy Infvences the
number of performance-based — bonuses
awardad to sach Board of Director" members
The sustainability performance criteria Include
climate:related fisks and opportunities

ENABLING TALENT

Our comrnitment Is tosmpower and
develop every employee and strive to
be the best pilace for the best talent.

We pursue excellence In all wedoand
deliver beyond the ordinary,

INTEGRITY & ACCOUNTABILITY

Our commitment Is to actin an ethical
and trustworthy manner and be
aocountable of all our actiona,

COLLABORATION

Wa commit to team over Individual
success, as CIMB Niaga's success Is my
success as well as our collective success

CUSTOMER CENTRICITY

Our deterrninatlon Isto put customers
fistand always do nght by them

Empioymani Policies

| Sustainability Poliny Na: M-08 & Employee Learning Policy AD402
Z2 Human Rights Policy Na. M73 T. Talent Managemant Policy A0406
3 Dhersity Poficy on the Compesitian of 9. Doard dl Directotsand Board of
Marmber of ihs Board of Commnissioners Commissidnets Learning and
sad Board of Directors No) M-07 Development Toliy A098-
4. Code afEthis and Code af Canduct Pollcy 3. Workelace Security and Safety Risk
No A70 Management PalicyA,Ol
5) Recruitment ang Selection Policy No: 1G Implementation of Diversityand Inelusion
A920l Peliey A07
ar —— my

-——| WOkot DEA tertata
S5) menua tapiresentatives 361
2 mpoyens fi the Board of fernale
are cvered Cammussibners tepiresentatNes
sehaga the Tollartlus and Bow of Mjectoes In serap
kebo Agreement (CLA) fexecutive senior) management

O cizas of child labor,
undurags labor,
forted labor, modetri
WOL arm Niaga ea ie Eat
erpkyees ara mate, and
BlLare #tatf(ckliva With Bank Aru its ginrtrasrs
LISU employeas, ar IPL Ot
(OOT of se0urity 1he total warkfoece, recetvag
personnei have prorrvaticeris, Imeluadirg just
tompikted human zevel achancerhents anolior
tighis trairung Salary ineressas, comprising
BL rate and G1 ternais ampioyses

#weduadrg simali Iga

AN an

Bank is committed to creatinga work environment
that values diffsrences, otomotes sauality, and
ensures Inclusion across all operational aspects.
This commitment is tefiscted im the development
and impismentation of policies rooted In diversity,
sauity, and inclusion ptinciples, narnely the Code

af Ethica £ Code of Conduct Policy and the Human
Rights Policy The application of these policies
allanswith the EPICC work culture, which servesas
the foundation for fostering an open, collaborative
wortkplace that respects every amployee's rights
Bank believes that empioyees with diverse
backgrounds, experiances, and perspectives are
key assets and critical drivers of innovatlon and
competitive advantage.

As part ofits commitment to enhancing awareness
and implementing diversity and Inclusion, Bank
regulariy cenducts focus group discussions (FOD5)
to address related issues. Additionally, Banks
Intarnal magazine, Portrait (https//eportralt
cimbniaga.co.id/), featuras a dedicated section on
diversity and inclusivity within CIMB Niaga.

Securing Employee Wellbeing jar 2011 v012 v0w21xc01 Ke.

Bank places ernployee welibsing as 3 top priority
to-support productivity and create a healthy and
sustainable work environment Bank belisves
that ampioyees who are physicaily, mentaily, and
financially well can caontribute optimally to the
zomparys arowth. Tp ensure this, Bank offers a
fange of benefits, including the Employment Social
Security Prooram (BP3S Ketenagakerjaan). which
Covers work accident insurance, oid-age security,
pension benefits, unemployment benefits, and
death protection, This program Is designed to
provide security and comprtehanswe protection
for ali ermiployees throuohout their carsers Bank
contributes 6.248 to the BPJS Ketenagakerjaan
premium, while smployees contribute 34.

In additon to. Its social sacunty programs,
Bank also conducts Pre-Retirament Training
to halp ampioyees prepars for retirement,
ensuring they cari transition into this phase
with happiness, health, and financial well-being.

This comjprehensive trainina program follows 3
structurad roadmap. beginning with 3 Survey
Assessment, which profiles participants based on
their readinesa for retirerment and their planned
activities or business ventures. This is followed by
Awareness & Mindset sessionsto establish a strong
foundation for retirerment preparation, fostering
motivation and alignino business activity plans
with participants' profiles The training consists of
four key modules: Wisdom Living, Heslthy Lifestyle
Financial Planning, and Leveraging Assets. The
program ernploys various learning methods,
including lectuting & experiential learning, group
business coaching, discussions & consultations,
and best practice. sharing from CIMB Niaga
Alurrini. As of the end of 2024, Bank has aliocated
Rp704. bilion for retrement and other long-
term benefits, managed with the involvement of
Independent actuaries to ensure the sustainability
and accuracy of penscidn funds

68 | YODA Tinmginesiiny Ambon
FT Bare Dt Naya Tbe

Bank alse continues to implement a hybrid work,
reinforsing Its position asan employerof choice by
offering flexibiilty tor emplayees to work either in
the office or from horne, depending on their job
function. This Initiative aims to Improve work-life
balance while maintaining productivity

FHYSICAL,
SPIRITUAL & MENTAL
WELLBEING

FINANCIAL
WELLSEING

Physicol, Spiritual & Mental
Welibaeing'

SHINE (Sports, Hobby, Interest and Entghtenment),
a community establikhed to provide #mployees
with apportunities to angage in sports isuch as
basketball, football, badrninton, and more) and
spiritual activitles toaccommodate varipusrellaious
practices. Additlonally, for mental health, Bank
offers Ruang Cerita (Sharing Space). ie sessidns
with psychologists and individual consultations for
Selected participants throuah virtual programs.

TEAM
WELLSEING

Through these programs: Bank is not only
committed 10 employee well-being during their
Carsers but also ensuras thay have the necessary
Preparationand support for retirerment. In addibon,
Bank follows five key elements asa reference for
enhancing #mployse wellbaing, which Inciuds

COMMUNITY
WELLBEING

CAREER
WELLSEING

Financial Wellbeing

Flexible options for employee benefit programs
(hfestyle benefits) and sehalarships for empioyees'
childreri.

Team Welibelng

Employees may build meaningful relationships
and mutual trust through workplace activities
such as company Outings, potlucks, brainstorming
sessions, etc

Community Weilbsing

Bank fulfills Its corporate social responsibility
(CSR) commitment as part of buliding harmonious
and. mutually beneficial relationships with the
environment, communiities, society, and all other
stakeholders The CSR program Is formulated
based on four main pillars Education, Health and
Community Wellbeing, Econorniz Empowerment,
and Climate and Environment, The selection ot
these pillars aims to align the CSR programs with
Banks sustainable finance Vision and mission as
welas businessstrateay

TOM Hunlaiesilify tmpat,
(FT Bank DIMB Ming Tak.

Career Weilbeing

Provides resources, motivation, and opportunities
for employees to achieve thair goals and rnanage
their careers effectively, both in the present and for
the future This commitment is reflected through
vatidus Initiatives such as Opera Innavation
Awards, Kejar Mimpl Employee Warrior. and
CIMB Niaga Has Talent. The irmpact of Employee
Wellbeing Innoyations can be measured through
the Organizatlonal Health Index (OHI) This Is
evident in the 2024 OHI survey results which
showed an improvement from the previous year,
allowing CIMB Niaga to maintain its position in the
LEO SAN Sea PARA In Dan

TO | anmma ce Mnya tia
Occupational Health and Safety (OHS)
IPOLK SEN) LGM MOD, G0I-3, MOI6I UOIA YOI-G U02-6, B03-7, MO3-N, GOI-, NOI-10)
Bank Is committed to prioritizing emploves benefits, such as general healthinsurancs, eyewear
health and safety by creating a safe, healthy, and and dental care
producte work environment. As part of this
commitment, Bank cantinuously strives for a Moreovet, Barik also supports employee wellbeing
zero-accident target and ersures that all work by offering additional fadilities. including a heaith
areas compy with safety standards. Throughout clinic, lactation rooms at the hsad Office, sports
2024, Bank reported zero workplace accidents faciliti2s, prayer room3, dedicated smployee
and confimned that no job roles posed high parking, and accessible tollets Through these
heaith risks In terms of hesithcare. Bank provides programs and. fadilites Bank arns to enhance
varidus medical benefits for both permanent and employees physical and mental Weli-baing
Contraci employees, including medical theck-ups, ensuring they can Wwotk In a safe and comiortabla
health insurance, and BPIS Kesehatan coverage. environment
Additionally, permanant employses receive extra
Efforts In managing occupotlonai
Ooccidaent riska Include
» 'Oecupatlonal Healih and Safety.(OHS) Basic fire extingwlsher training and
management, conducted amobally: bullidings, atended by bullding security
1 Erecuaton training and mformation personnel
seszions for high.tise bulikinga. held ance
—m——— —

te kapeit | “579

FT dark CIMB Miagu Tak

WE AND GREEN OFFICE

Greenhouse Gas
(GHG) Emissions
Footprint ronerai Iz

Bank is committed to reduding itsgreenhouse
gas (OHG) ernissions by setting 3 target of net
zero GHG emissions for Scope land 2 by 2030
and full net zero GHO ernissions (Scope 1.2, and
3) or organizational net zero ernissions (NZE)
by 2050, Bank continues to implement snetay
sfficiency. measures and environmentally
friendly technologies while monitoring the
carbon footprint from Its Operations and

financing portfolio to ensurs the achievemanit
of its NZE 2050 target.

Y

Powering dowrl eisetrioal Utilizing telsconference/Mdeo Using energketfident
Sgulp ment atas office hours, conterenge facilitias far mestinga LED lighting.
Indudirsg Matt air coruditidririg, with participahta troen difersrit

Can puter and pinptotopere. tecetlone

L

Instaljatlom afsoler parels Conductirg ani enenyy Implementing Upgradirug al
and ubilization of Renewabis #uditatthe Tebet motion semar for sanditoners

Energy Certifcutas (REC) Branch Office to #isetricity mavinga (ag Iri seworal
ta hamese new renewoola Dptimize energy Lage. btandh-affices.

anergy

72

FT Bara CeB Nlaya Tbe

As part of its commitment to reducing GHO emissions, Bank has ssued the Net Zero GHG Ermissioris
Operations Policy, which establishesa frarnework for menitaring, reporting, and varifying carbon emission
data, conducted by Sustainabillty Unit and GHO Management Unit. Through this framework. Bank
prornotes internal sccountability, supports management in making informed decisions, and continuously
refines Its strategy to achieve 3 sustainable future

Operated solar panelis at one'of its
Hap oitnee Cry iloge Dinkes

Througntheuseofsolarpanats,Bank
has successfully avuided 398 tons
ot CO, egulvsient GHG amissions,
which tranalates to cost savings
Ot Rp474 million The Installation
of talar panais was carrled out
with caraful considaration of
spatial efficiency and benefits for employees: Natabiy, 2894 |
of the total solar panel arga has been utllized asa root for

employest motor vehide parking areas This approach not

onily supporis the transitioh to tenewable energy but siso

fosters a culture of sustainability within the organization

Internal Carbon Pricing

Since 1021), Bank has been establishing and
Implementing an Internal carbon pricing (CP)
framework This framework assigns an econornic
value to Banks GHS emissions, measured in metnc
tons of CO, emissions eguvalent The ICP budaet
Isformulsted by cafculating the amounit of carbon
emissions exceeding Banks annual reduction
targets and 15 callbrated against an (CP price that
refiecis the external costs Of climats chanos, such
as mitigation or adaptation expenses Through the
ICP initiative, Bank ensuresthat the envronimenital
Impact of Its activitias is factored Into financial
planning, while 3iso promotino mere respansibls
Operational practices

The ICP budget Is crudial in expediting the Banks
progress toward reaching net zero CHG emissions
for Scope |and-2 by 2030. This budget is allocated
to support a range of ihitiatiyes aimed at reducing
amnisslona, Including the Installation of solat paneis,

Carbon Instruments

Throughout 2024, Bank purchasad 11.284 Mwh af
Renewabla Energy Certificates (REC5), eguvalent
toa reductian of 38B17.08 tons of CO: saguivalent,
ata total cost of Rp438 million by utliiting the ICP
budget This Inivatlve was Undertaken to support
the annyal OHO ernission reduction targets.

Bank has 7000 technolsgy-based renewabis
energy carbon units, acgvired from Indonesia
Carbon Exchange (IDX Carbon), These units are
recorded 3s intangible assets and Will be utilired
In the future as part of Banks afforts to achisve
Net Zero Ernissions (NZE)| by 2050. The carbon
units originate from the Laheandong Geotherrnal
Project Unit 5 4 6, deseloped and aperated by PT
Pertamina Geothermal Energy (SOE). Thay have
been verified by the Ministry af Environment and
Forestry of the Republic of Indonesia through
the National Reoistry System for Climate Change
Control. The Bank plans to utilze thase carbon
units in the futare to support its goal of achieving
net zero GHG emissians.

mtiny Rmpoit |

FT Bank CIMB Mingyu Tak

the purchase of renewable energy certificates
IREC), and the apguisitian Of verified carbon units.
Thase sfforts allow Bank not only to offset its GHG
emissions but also to contributa to broader social
objectives. such as cleaner air, enhanced clirnats
resibence, anda just transition toa low-carbon
econamy,

73

74 | ca emang jiran

Greenhouse Gas (GHG) Emissions and Energy

(ronKsi-#.6) MANGE IOLA, 022, 3023, IOTAA, IOS, 30E-3, 301-3, I08-U, 305-8, 3OE-7UACGI 0.1.4, BL)

Bank selalu mengikut praktik terbaik Untuk melakukan pengkinan metode pengukuran dan
pengungkapan smisj GRK berdasarkan metodologi GHC Protocol dan PCAF serta menggunakan tujukan
yang berlaku di Indoriesia dan global, seperti rujukan dari Kementerian Lingkungan Hidup, Kementerian
Energi dan Surnbet Daya Mineral (ESDM), dan Interpoverrimental Panel on Climate Change (IPCC).

Selain itu juga, Bank senantiasa memperluas cakupan pengukuran dan pengungkapan ermnisi CRK
dari tahun ke tahun. Selanjutnya, dalarn Laporan Keberlanjutan Ini telah dilakukan pengkinian metode
pengukuran dan pengungkapan emisi GRK Cakupan 3 yang berasal.dan portofolio pembiayaan dan
sumber emisi C2K lainnya yang akan dijelaskan kemudian

Other Indirect Scope 3
Greenhouse Gas (GHG)
Emissions

Bank has enhancediits inventory of Scope
3 GHG emssons focusing on emusions
tetevant to Its operational. activities In
2024, Bank began calculating Scope 3GHG
@rnissions for Category 7,which sempinyee
commuting. between hame and the office
Aciditionsily, Bank started measuring
Scope 3 GHG emisslons for Category 13:
Downstream leased assets, by tracking the
alectritity consumption of ATMs and CDM/
MOM machines located outside Banks
operational offices. With these additiong,
Bank has successfully measured ernissiong
atross several Scope 3 cateyories,
Inotuding Category 1 Purchased Goods
and Services, Category & Waste Generated
In Opetations, Category 6: Business
Travsi, Category 7 Employee Comimuting,
Category B8: Upstream Leased Assets and
Category 13: Downstream Leased Assets
Other Scope 3 GHG emissian categories
have not yet been talculated orare outside
Banks calculation scope Furtherdetaiison
othar indirect Scope 3 GHG emissions can
be found in the Table of Total and Intensity
Of CHG Emissions below.

Greenhouse Gas IGHGI Emissions from
Iho Financing Portfolio

Sinca 2021, Bank has measured Scope 3 Catagory 15 CHO
ermnissions ftam financing and investrnent activities This
monitoring activity helps Bank tracks its progress toward
achieving net zero GHG srnissionz by 2050

Financed emissions are measured across nine sectors
Identifisd as carban-intensive, following the UN
Environment Programme Finance Initiative (UNEP
FI) Guidelines for Clirnate Target Setting for Banks
The celculation methodology follows the Global GHO
Aecountinga and Reporting Standard for the Financial
Industiy, developed by the Partnership for Carbon
Accounting Finandials (PCAF). The measurement process
relies.on callecting emission and financial data from
debtors using publiciy available reports or internal and
external databases. Due tolimited data avallability, Banks
reporting has: one-year lag In cases where regulred
data are Unavailable, Bank estimnates financed ernissions
Using the most recent reported data.

Additionally, in 2023, Bank has measured financed
@missions for an axposure of BO, trillion or SIX af total
credit exposure. Detailed Information on GHG ernissions
from Banks portfolio can be found in Appendix Pillar
1 Sustainable Action. Bank remains committed to
continvousiy Improving ernissiori calculation coverage
and data auality to ensure accurate and reliable analysis.

LL Stope1GHG Emissions

TON Ginlatetiy Rmpott

IL Trebaportation — Diletet 2765 M4 1DA5A
12 Transportation - Gasollne 107532 Nasi? tas
IL Censet- Dieset tonnes toe 10337 8535 829
Lk Gensat-Ossoline 15386 tnos 127A
Ato Retelgurarat 34020 -
Z Scope 2 GHG Emissians
Zi Eiectricity—PLMI (Location Based) tonnes Cole 36 32B0? 3G IU heh IS0sa76
3l  Renewable Energy CertiTicate (REC) Oo (5.484M) 2
32. Solar Paneis” mennecaa Isoraz| 5
& Total GHG Emlsslons
A1 Seopet 2207H7 A7aLol La7a
A2 Scope7 tanfies CO 36,22837 IATUT kah 3505876
A3 Segpet“ Soope2 36538 74 36M8B45 3850657
& Total GHG Emisslons with Climate Change

Miigation Initiatives
EL Seopet 220703 ketaha) aya
S2 Seope2» BEC (Market Based) tonnes CO 2asmBA 2077233 ISOSAT
SI (Goopel« Scope3)- REC 267386 I9pod34 Jesoes7
& Operating Income
Bk Operating Income Rpiilllons TASIHOO 178500 IABGSNG
TH GHG Emissioris Intensity
FL  Seopets2 tonnescos/Rp tas 196 133
2 (Stopet  Stope 7) -REC billons ta 1ED -

75

Ad Binani

mo seripilan Uni 202 2023
1 Scope 3 GMC Emisslans
1 Categury 1 Purctrased Loods and Services” KA knaA oo
1g Category £ Waste Generate m Operatans 493 Kao
IL Category & Business Travet" 138875 100023
Ye P. hi Commuti 7583
Senen TEneaet. Ae tannes Ooe
18 Category 8 Upstream Lessec Assets 5250 (SAI Pala:
18 Category TS: Downstream Lessad Absbts SB6KOT
» Category 15: Investrments — Financing 260985838 3842555
Portfolio
Natar

CHO emimaicn data » sourced from simoat al. CIMB Niaga officesin Indonesa.

The: @rmuszian faciar Ia based an & modhed metnad frarn 1he Ministry of Energy sed Mineral Resources 2018) uung a locatipo-
Date appy OK The fuel emiasior conenian fawar 3 dertuedi tata Aa cardinal af vasjaws muthodalagian meluding sources More the
Monutey &£ Erwranmant RRT, IPCC Globe Watrring PatentiW (GNVP) anegamenit Reog Sih, and IPCO Gudulines for National Groenhusus
Gas "wartor les ROOK, wat Ta canyornat tautcr waluwa Ie mobile surong wira 272 « 1G” for diesel and 245 « YO” koe sasalinn Whik for
Ttationary mercea the corwersion factor 5268 « II “fardimetand 261 19 for gatoline Adetionalty. ha nefngatantconversen tnctoriwbancd
antv (SCC Giobal Warming Potential (CWO) Amsesarna rt Aepart Sih Papures wntten in pareritheses "| I" Indizate 2 reduction.

Yu Locatigr Basad Method. refarz to tie caiculaton af Scope 2 HC eeniiasoni biaaad on th sectncity rid Im thr peographiical locatitn

wes eluakricity Ie cammurradi

ye Doa kena Methos refene na th Onigutattan Of Soga 2 GNGI eenjusani busid on pursmasad #actrkcity Inoludirgi Rarewatie Enercry
tartificatna

Scoge 3 GHG eeninsices (or Category Dare Salcutated froo water purcdhused by the Bank troagh Perusahaan Air Minum (NAM utog thr
UK Gavernrnerit CHO Corvarson Factotz for Company Reparting (2094). Scope 4 CG ernirsioea for Category 5 are celcudatea from wastr
manage By UMApWty perek & Uicas UNng Erweman Fautore kir Greenivouw Git Immetoren (Grmranrmental Proteotkiti Agundy
ZAT. Scope I CNG ernONS Pot Cawasry & aw csewlad frorri tiasinvess tiga tnanuged &y (ird-party movidats Using Ervssiari Rectarx toe
Greentouwi Gan invantoriwe (Erwwanmentii Protectios Agerury, Z2), Ssope 3 OMG #enissiaru Kor Catagony 7 are caheuluted frorri emolcrene
auruny pesuilta using ttie UM Governheent GG Carverson Factor for-Comeary Mepartirg (RO24), Sospe I-GHO error fce Category Mate
@aitulated frorm the olectrisity conuLmption af durrv CIMB Niaga Cunuryg Ceula Loarreng Center and the stimuted elect set coneurnptioni
al itaced affscs spater Whiro afecttety cests afi included in rental feer Sospe 3 CHO ernissiora ks Category II are caloulatos from Bartie
owreti ATM3 and CRMMDM rnechurlan lacutesi outwde CIMB Nlage ofrosil Soope 3 CHO errisiana Tor Ginga 15 are Ohkoulutud conlrg tv
Global CC Arcountiig and Reporting Standaril.for the Firwscin Industry hy PAS (2027)

“ Tiwfe hama been a restatatrent Au tu tin upame Of anniaikon fnctoes la-at

“Eectroty generuted frorn antar conels has heart Integrited into PLK power grid aw atatod an section 21

The calculation of Scope |, 2, and! selected categories of Scope 3 GHG emissiong has
Undergane limited assurance by KAP Siddharta Widjaja & Rekan IKPMG Indanesia).
Independent verification details can be referred to Independent Party Verificatlon
Section. Additionally, Bank has: conducted GHO ernission calculatlans using the
Operational control approach. This approach highillahts focus areas whete Bank has the
Greatest control over ernission reductians, alloning With Banks sustainability. goals as
welas regulatory reguirements

Total Scope tonnes CO,e tonnes CH, tonnes N,0
Land 2 GHG
Emissions ISSI) Jakes: IGS07 nang

Egvivaleni to
Other Garei
atm

Based
Intergarewinarta Panai
0 Ciater Change MP3
ANN BEN
Keenan Buman

2020

latrmsiliny Pmpoit |

PT Hank CIMB Magi Tik.

Comparison of GHG Emissions with the Previous Year (POJKM-ANPIGAI 205-, 308-2, 208-3, 309-U,

3UE-RI Mb-1h, 306-5)
wo 2021 y1 2023 2021 vs 2022 2022 v1 3021
Lo Business as usual (BAU) scenarlo
LL. Total GHG ernissiona (Kopel and Scope 2) ktated In
8, wnnes CO, 4879 rs (5845)
bX 0. fans) lem)
2 CHO Emissions Intensity kb ztated In
JA. t0nnes CO/Rp billian ooy Dm jo1n
1057) 03s Bok
z Cilmate change mhigation @fforta scenario
Bl Total GHO senlaslore (Scope 1 and Sbope 2) — REC stated In
4, tonnes CO, reasn gl (650233) msasas
»x« : (ons) mai IS6)
22 CM Envgslons Intengty (Scope Pand Scope 7) - REC stated Wi
1 &: tonnes CO//Rp billion tara 04 1229)
bx lubui (naal C4)

Financed Emisrions by Economic Sector

Emilssions (rom Financing or Investment Portfolio

Total Exposure in Coverage by Sector Economy

By Economic Sector (thousand tCO,e| IRpuritliang
no
2.989 23
wa
yna 1a5
(1 ja 2
ai mopeha! MEmaIooLmperg Tea

aa 1022 PI 2025 101 1an
@ Tranaportanan & Owang Opa € cam
€ bus Extute € aominyin & cerment
@ Uiriitias ad fowur Gororation @ norund Stosi € pgrisiture

Tusewatmaslngy Ra

PT Bae

Financed Emisrions by Asset Class

Emissions (rom Financing or Investment Portfolio Total Exposure In Scope by Asset Class
by Asset Class jrhousand tCO.e| IRp trilliona)
130 -
Bisa teh Gaga Setau Ir NA ti
2 1022 xagi zn2s - 10

» dpasenn ntananp 0 wncuilatat uang Soma) 42 srryakan senripane pts pesur te tu Instal sepekan wi Tha uan

Mp IR the Book did not cakakatp eenemsen tipe the finance perttola dare firir detrtorr Soape Ik mramark Sbartrng 1D TO. n Ine Memti ICAF
secnmmpangdatkorn if Bari fin begit caleaning memitra tra ine fisanced mateinbo dunieati tramp Sempat Permiaainn apmpticants tnr oisbacm rn Ce Oi rat
Dan kasus

O tesise Vuhjow 0 Mortasame 2 Commerim 0 Husree € Bong
Laana Real Eatate Lzare Investment

Energy by Source, Total Use, and Energy Intensity Used (roses IGR 20751, 2017, 301-3, 301-uj

Ma Description 1021 2012

Ll Banking Support Activities

Io PLN Beetildity TIA WI3570 10257677

12 Solat Paneis 154655 - -

Olesel Generatat Lara Inaza7 104834

14. Casolire Cenesatar 2106396 1999.33 181773
2. Tranaportation Support Activities

Z1 Diesel 158919 1478.B0 145070
22 Gasoline 2 WBA021 1951210 1601524
T.  Tatal Energy Use

31 Energy use fi TES ABIAG STA TO EL 306 7E
ih. Operating Income

43 Operanng Income. Rp billiona NGIO 1878800 1886600
Ro Energy Use Intensity

S1 Energy Use Intenaity CRo biillors &B0 873 esa
"tx

The maa unggas csiciukatnn Inah ad ftioe Incaiorst we eertneRy am huni cumurmpoon Mremurm taat CP) Mangan MOM mma Ng BARA Erat
#trmeeeraarT Facbano mie ngant benth 2 Pral kowe: Titan COomumyakene fontita— ui besrtrictty Fretemi la Vpn tie GA) 1g IR «1077 Fee Gtarsemranan tarctt tor Povet tower Ine tar Gl 8 SI 0 0" tar
apa 3,“ 89" tar hama This terartiart rmatnadi Setra the ktinietny af Eemcwunrmt KOTA
Inrietes 156 the rotal #nerane cenmerenian tren mrewrabta ear INI

FT Dark TIMA Mingyu Tik

Energy Comparison with Ihe Pravious Year Iro1ku-esi Gn 20241, 302-2, 302-3)

Ho Comparison

Lt. Total ot Ereroy Used state In

1074 vs 1029

2013 vs 21022

22 vr 101

3 @G 160370 317292 F7S3858)

Dw 085 126 0829
2 Energy Used intersiry started in

a. GRphlilors om oa. @7nj

bw 035 24 paaa
Mutresng wetan itsachaca 1) incesna ecu

Wasle Managemant trosmsenia aa,

Bank is committed to managing waste In an
anvironmentally friandiy and sustainable manner
through the implementation ofanintegrated waste
segregation Initiative based on the 'Zero Waste to
Langdi!! concept at Graha CIMB Niaga Head Office,
Griya Niaga Bintaro1& 2 Head Office, Tebet Branch,
and. Gajah Mada Branch. This concept aims to
minimize waste sent to landfilis by marimizing
tecyding and relising materials, Inciuding salid
electronic waste (e-waste). sfiluent, and paper
waste, In 2024, a total of 76.80 tons ot waste was
Generated, consisting af 46f organit Waste and
544 inorgarnic waste, with 795 categorized 3s paper
waste, Cornpared to waste disposed of In landfills,
the waste management Initiative has ths potential
to avoid more than 31 tans af CO, emusions
@gUulvalent. If expanded across all Bank operations,
this program covid porentbally avoid over 200 torts
of CO: emissions egulvalent.

ITC 20651, IOEI, IOGU|

Additionally, Bank collaborates with third parties
to process e-wasta and #ffluent in accordance with
environmental standardz Several branch offices
have also implemented waste segregation and
dalivered solid waste to recyciing banks for reusa
Bank's operations do not generate harardous
and toxic waste (B3) ot resuit in sionificant spills
Through these initiatives, Bank strives to minimnize
Its environmental Impact and contribute to

achieving sustainable development goals

79

Binwainasiitty Kmpori

30 | FT Bara Catat laga Tbe

Water Management and Usage won serasa sex s02-1)

Bank efficently and. responsiby manages water

resources Water used for operational purposes,

Including sanitstion, hygisne, and ablutiori, Is sourcad

from the regional Drinking Water. Company. (PAM), GHG Emirsionz
which serves collective community needs. As part af from Water
Its-efficienoy efforta Bank Impisments water recycling Vrage Itonnes
practices where ablution Water is reused for Various co,el

purposes such as tollet flushing and plantrmaintenance

around Its bulldings, Futthermore, Bank ensures that

Wwastewatet management 5 properiy handied by

buliding management through a disposal system that

complies with environmental standards, ensuring that

Wastewatet is traated safely and does not harm tha € Buntanna data os
anvronment ea wo enisaan

t 2AM Water Use m' 25774 122522 yess
RL Operating Income Rp bililona m3 18,785 IBaoa
z Water Use Intensity m3 pp billkans 652 653 589

—-

FT dank CIMB Miayu Tak 31

Paper Reduction »

2.)
1-5)

Aspartaf its commitment te reducing environmental
Impact, Bank has optimized the use of digital
banking services, suchi as statement distribution,
digital databases, and digital barnners at branch
affices, to minimize paper Usage Asa result af these
afforts, Bank sucoessfuly issued more than 28
milllon e-stataments, eguvalent toa reduction of
approxrnataiy 13 tons of paper usage. This reduction
also contributed ta the avoidance of TI tons of CO:
amissions agunalant

Bonk har implemented severai Initlotives
to raduce papar urage, including

Transmoning docurnentarchng and

Enhancing the Use of e-channel-ang

repart subrnissions from hardcapy to mobile tanking for custamer transactions
softcapy “ Repiating physical account statarnents
Reising printed paper for double-sided with e-statemonts

photocopying when drafting Internal letters »- Implamanting formless transactions,

Gr memas teplacing printed transarten slips'torms
Optimizing multifunctlon printers for with digital validation records

scanning and faxing to reduce document — Bank orsuras all paper used Is sourced

printing fram respansitie sourcing

Paper V
2021 1021 2012
Reams 200 14169 NABI
1 Valuma af Paper Used
va 30800 35609 36363
z Paper Procurernerit Expensa Re iniliora AB7BT7 486.89 A1O.B3
3 Operating Income ab bilioera Bna 18,785 18,866
&— Paper Use intensity Kap bilions 16 Lea 1g
he setanilatarny INtadan artivtr IN the hama Of ram Tae esilibtan farya pemirsa yag an meat tm F3 Ing

82 | YOAA Tiresinetiitty
PT Ba

WE TOGETHER WITH BUSINESS
PA RTNER S Lean 3-6 40651, 20153, Out, mu4-21 ISUEBA LILAN0, LILIN) LACGI 86.2, AMI)

Bankensuresthat Its partnersand vendorsconduct
responsible bisiness practices, uphold- hurnan
nghts, and compiy. with high environmental
management standards. As part. ofthispolicy, Bank
Impisments Goods and Services Procurement
Policy No. 03.01.2101, prioritizing partnerships with
924 af local partners and vendars to meet the
Goods and services needs ir 2024, Additionally,
to ensure responsible business practices. hurnan
nghts pnoritization and high envronmental
management compliance, Bank has established
Vendor Code of Ethics

Bank assgns Strategic Procurement & Admin
Property Management (SPAPM) Sub-directorate
to overses the procurement process. This process
Is supported by other relevant siib-diractorates,
Including Legal, Finance, Operational Risk
Management, and other related Units, to ensure
that every procuremerit decision aligns with the
establizhed policies and standards.

To reinforce sustainability principles among
partners and vendora. Bank conducts a
comprehensive evaluation through the Nan-Credit
Sustainability Due Dilicence (Non-Credit. SODI.
This process Includes assessing environmental
management aspects and social aspecis such as

workplace safety implementation, fulfillment of
responsibilites, and human rights (HR) cormpllance
with the United Nations Guiding Principles (UNGP)
A key measlure in integratino the sustainability
aspects Is the vendor selection criteria, which
account for 6 of the overall assessment.

IO new vendors
have beer axsesbed using SDD Nan-
Credit. with results confirming thatal
vendore have no environmental and/or

YY Vendors

(participated In sustainability practice
secialization In 2024,

SUSTAINABLE
BUSINESS

AaAAare

84

FT Bara DE las

RESPONSIBLE BANKING soxv

BRG, NG 5 ME7 A1, MET, WTI, Petai) LPM Ce-RiOo.i)

GRAN PIN IGMP 2-17, 206-I,

CIMB Niaga s.committed to pravding the best.and eguitavie service for its products and/or services to
customets and praspective customers while mmaintainihng the guality of its services and products This
commitment alionswith the Financial Services Authority (09K) Guidelines on the Sumrnary of Information
af Products and Services in the Financial Services Sector:

All products and services are subject to sp implementation reviaw (PIR) process por to their market
Introduction, ensuring 3 guality standard of 1008. The PIR focuses on evaluating technologicai security
Ieatures and is-carned cut by the appropriate business unit 12 months prior to-the product launch, This
procedure is also outlined In the New Product and Activity Polley No. B.94.06

Bank also ensiires that all product and service-rejated inforrnatian, including but not limited to product
features, costs, benefits, and associated risks, 1s cleariy communisated to customers and rernains reliable
Trirouohout 2024, Bank teported a) thers have been no'instances of produtt or service tecalis following
their market introduction, b| there are no laga! disputes concerning non-compilance with Isbeting, product
and service information, or marketing communications, and dj there are no legal cases or compiaints
pertaining to business competition

Ime 1G JECUFIT

Tree accelerabon of technology brings vanous
Impacts to the banking Industry As technolegy
continuas. to advance numerous digitalization
innovations have been and Will need to ba
implemented. These imnovations aim.to enhanca
convenianca far customers in conducting financial
transactions However, the growing adoption af
technology also Increases the risk of data breaches
and misuse af information,

Therefore, Bank continues to strengthen its
systems and. enhance controls over customer
data security and management Bank has
astablished the Cyber Security Operations Unit
and the Data Protection Office, both operating

4 Suslamiky Report |
Ak CIMB Magi Task

and i

BALA

under the Operations and information Technology
Directorate The Cyber Security Operations Unit
Is responsible for developina and maintaining a
roblust security system. monitoring and detecting
threats, respondina swiftly to security Incidents,
and increasing security awareness Meanwhila,
the Data Protection Office ensures that personal
data processing withm. Bank complies with
personal data protection principles and applicable
tegulations in Indonesia. Bath the Cyber Security
Operations Unit and: the Data Protection Office
regulariy submit monitoring and evaluation
teportson information security systarms to Director
ot Operations and Information Technology.

Bank has ato anhanced amployess' undarstanding of cybersecurity and personal data

Dtotectian by providing training t6 all CIMB Niaga team through Learning on the Oo (LOG)

modules and rawing awareness via internal communication channela, such as Gallery

Nave, Additional, Bank educates customers on zafe financial transactons through the

#KonsumenCerdasPeKaBetransakal rmovement. an inltiats by Bank Indonesia, financial

Industry sssacjaborts and service providers, using social media to promote awararjess of

1 -Recogntemg fraud and. scam tactics and understanding their various types tphishing,
social angineering, id mming, and SIM card sWapoing)

& The.importance af security codes creating and safeguarding PIN, paswords, and OTP
codes, as well as understanding how fraudsters attemnpt to steal them

3 Protectino personal data Identifying sensitie personal information that must ternain

confidential and recognizing methods fravlistars use to steal and exploit personsi data.

PT Bare CAME Mlaya Tise

Innovation and Development of Sustainable
Finance Products/Services/ProgramSs porurasicu

Ker maki Debina L6.13, La)

Ttis ayolution of technology and chanoino custorner neads reguira Bank to continubusiy innovate and
develop sustainable finance products, services. and programs. These ininovatians align with Bank's
Sustainable Financing Framework, known as Greer, Social. Sustaineble Impact Products and Services

(assrp3j

« Cintulas Economy

- Resource Eficency

- Grsen Manutseturirg

- Pailutian Control &
Pesurtian

» Greeri Bulkdiny

» Cartkan Teprure & Storage
Climate Adaptation
Susainabis Forea
Manager
Environmental Conservation
A Restoratian

- Renewabis& Clean Enenyy,
andi pnesgy aiticienty
- Energy Storage

CN

Transportation 4 ComnectIWty
» Gikd Intersonnectaon
» Digital Technology,
E-Commerce, Internet
Cammunisatara

Sustakiatsis Supply Cinming
RSD in Sustamatie
Development

Susramabie Ngricuture &.
Food Inneresttona

Blus Soondrnyy

- Gustairinbillity-Linksd
Tinancing/iones

Transitlon Financing/Sonds

A

|

5 Affordntle Mokatirgi

— Teee/subtidizsa
#Educarenal Tectunical &
Wacational Sarvices

— FewSunsikisec Educational
ma

- Snbit 4 Medtuny-Sasd
Ernterorises (ektEaj

- Sharing Ezonormny

“ Sci Econaeny

- Bnancial (nelusian

- Merolinarng

|

Innovation and Developmant of Sustainable
Finance Froducti/Servicei/Programs in 2024

CIMB Niaga actively promnates open banking
In aiianment with Sank Intionesias Payment
System. Biueprint 2030 by implemienting
Open API servicer, knowen in Indonesia as the
National Standard for Open APt Paymenta
(SNAPI, API, 'or Application Programming
Interface Isa technology that anabies third
pertiesicustomers to develop and access
banking services within, their applicatlans
through direct interconnection With CIMB
Niaga sjstern. Its key advantage is facilitating
gpen Interconnectivity between applications
for secure and reak-tims banking transactians.
Throvoh API Implementation, Bank fosters
Innovation and collaboration between the
bariking sector and financial technology

#cosystern and drive dioital stanomic growth,
As of December 2024. CIMB Niaga recorded
248 million API Rits with 458 consisting ot
transactlonat: hit and 554 non-transectlonal
hits: egulaient to Rp43 trilllon

CIMB Ninga's API strategy aims "To bethe most
#silable Bank With oper banking solutions
for Indonesia's digital ecosysterri landscape"!
Emphaszing comprehensive — solutions,
seamless integrauan, and an anhanced

Custorner experience, In 2024, Bank launched
API Electronic Supply Chain Finance (eSCF)|
which facilltates buyers and supplier In
Managing supply chain busingeses and API

'OCTO Pay, Which allows users to open and
(Konduct transactipns Using OCTO Pay e-monay

within applications that are API-connected to

(fintech|| to bulld an inclusive financiai

EB8 Kartini Loan

CIMB Niaga continues to innovate in sustainable financing by
launching the Kartini Loan' program for Emnerging Business Banking
IEBB) segment customers This initiatiye supports Sustainable
Development Goal (SOUG) 5: Gender Eguality and Empowerment of
AII Women and Girls as part of the natiomal agenda. The gender-
responsive financing proaram Was Introduced in December 2024,
offering competitlve interest rates to Dusinassas ciassifled as Micro,
Small, and Medium Enterprises (MSME5) It is available to women-
led businesses, including: Individual female entrepreneurs or
business entities owhed and/or mansazd by women. Additionally,
for each riew facility booking or additional financing, Bank will
contribute to third party as part of its commitment. to community development and Women's
a3mpowerment, embracing ths 'women supparting Wwomen' principle.

This program complements Giro Kartini, a-previousty launched inltiative with -a similar theme. Further
detalis on Giro Kartini can be found in Pillar 2 Sustainable Business In the Sustainable Finance Supporting
Products/Programs Section

FT Bae Tatap Mlaya Tbe

Financial Inciusion Through Digital Banking

As of the end:of 2024, CIMB Niaga offered digital banking services-through OCTD Mobile, OCTD Cficks,
BizChanne/GCOIMB, and other e-channels To anhance transaction volumes via digkal services, Bank
regularly rmonltors and updates Its digital banking platforrns. Throvohout 2024, digital banking services
facilitated 654 million financial transactions. From this total, the estimated graenhouse gas (GHO) ernission
reduction potential reached approximate!y 165 thousand tennes of CO, egunalent

Total Digital Flotftorm Transaciiong (million yansaenoni)

ATM, CDMI
OCto Mobile | OCTO Ciicks Api Hits Bizchanneld | MDM,and
CRM

340.02 — | a70e | us | ni | 000 DD
217.00 “Tp 51.05 c» 62.21 € 40.47 em» 44.03 Cc»
175.60 c» y70y - . 96.57 99.81 —

Collabaration Through OCTO Bir Internet
Banking

The OCTO Biz internet kanking service Is an enhanced version
of BirChannekd0IMB, featuring Irmorovements in cash
management features, technology, user interface (WI). and
user experiance (UX). The available transactlon types on OCTO
Biz internet banking currently include transfers to CIMB Niaga
accounts BI-FAST, and ATGS

Bulk Service for Bank Indonesia Fast
Payment (BI-FAST) via BizChannei@CIMB:
Optimal Efficiency for Extensive Fund
Transfers,

BiChanneibcIMB launehed the BILFAST
service for Bulk Credit, an mnovation In digital
payment systeme-that anables custnmers to
Coriduct massive fund transfars to multipla
accbunts Within & single credit transfer
Instruction

The service offers speed, afficiangy, and
cempetitive costa alianino with BI-FAST's
objectve to enhance financial Intluswity
In Indonesia. It tepresants Bank's strataole
Initiative to sUppatt digital transtormation and
Improve custorpers' operational efficiency.

FT Bank CIMB Ming Tik

Simplitying Digital Tax Payments with the
Core Tax Administration System (CTAS)
Fellowing the launch of the Cora Tax
Administravan. System (CTAS) by the
Directorate General of Taxes on | January
2925, BizChanneldiCiMB has: integrated
feature updates Into the State Revenue
Module (MPN) Through Blechanneld IMB,
Customers can Yyenerate new. billing (Ds
using a more structured and transparent
System, ensuring compliance with the latest
tax regulations This feature strengthens
Banks tole in supporting the digitalization
Of national tax services, providing customers
with convenience and assurance in fulfillng
their tax obligatlonet

Financial Inclusion Through Micro, Small, and
Medium Enterprise (MSME) Financing secenuswa

Ta ag |

S

By tie end of 1024, Bank
recarded Rp26.958 trilllan
In MEME financing, an
IBX Increasa comparud to
Rp22.80 triilion in 2043

90 | (Tum Cus Naya Tin

In addition to financing through the Sustainable Business Activity Category (KKUBI prograrn, which will
be detalled below, Bank also offers working capital, Investment. and supply chain financing for MSMEs
through two segments Emerging Business Banking (EBB) and commercial banking via the micro
Inkage financing program. In 2024, CIMB Niaga received International recognition as the Best SME Bank
In Indonesia for (ts contributions and support to MSMEs. This.award was presented by Warid Economic
Magazine 2024.

Micro Linkage
The linkage scheme is an indirect. financing program
cunducted through partnerships with plasma cooparatlves,
Rural Banks (BPR), Regional Develooment: Banks (BPD),
amployee .cooperatives (Kopkar), and other: non-bank
(inancial institutlans. Bank has not.set specific service urea
coverage for the Micro Linkaoe program, but It currently
collaborates with approvirnately 160 Micro Linkage pariners
across Indonesia, with, ths majority operating under the
sxecuting schema.

For plasma. cooperatives In palm ei) plantations, the Inti
Plasma Model Is Used, where Bank chanheis financino to:
farmers through plasma coopsratvesin partnershipwithinti
(core) companias. Meanwhile, financing through RP2, BPD,
and Kopkar partner is directed to MSMEs and individuals
With nted incarnes, utllizing mxecuting, channellng..or joint
financing schertes . |

Emerging Business
Banking (E88)

Ernerging Business Bariking
(EBBj) 8s a direct financing
approach targeting micro,
small, arid rnediurn enterprises
(MSMEs) across Indonesia

In 2024, Bank recorded 23 debtors with a total outstanding
balance of Rp25 billion under the channeling scheme,
With zpproximatsiy S79 of these Icaris granted te women
@entrepreneurs. This demonstrates Banks. commitment to
supporting the Sustainable Developrnerit Coals (SDGs),

In Iine with CIMB Groups commitment to econornic inclusian, health. and firiandal Ilteracy, CIMB Niaga
has set 3 target te improve financial health for priority groups The Bank aims to: Increase financial
Inctusion by adding 1 million new active low-ncomne customers by 2026, This commitment reflects Banks
dedication to crsating positive value for stakeholders and prometing 2guitable daveiopment across the
Cormmunities It serves.

Currently. Bank provides varibus financial products
tailored for low-income communitiss and Vulnerable
groups, covering savings. Investmmenii. and personal
loan

For savings ptoducts, Bank offers OCTO Sayars
Payroll and OCTO: Savers, which provide easy
account opening and financial transactions. In the
Investment category, Bank offers Mutual Funds
(Reksa Dana) With an affordabie minimal initial
Investment, starting from Rp10 thousand.

MN

For financing solutkarts, Bank provides sevatal optbons basad on custornat need, Indluding
Personal Loan such as OCTO Loan Flexiand XTRA Dana, Which offer faxible Tinaricing access
Morigaoe Loan, suci ss KPR XTRA, designed to facilitats home ownership with a competiti
debt burden ratio (DER)

Auto Financing, offered tivough Bank': subsidiary CIMB Niaga Finance, previding vehirie
financing solutlons WIth tepayrnent paflods exterding up to 60 moniha

These products ahgn with. Banks commitment towards financial Inciusion and support the
Macroprudentia! Inclusive Financing Ratio (RPIM) target by ensuring broader financial service access
for low-income and vulnsrabie groups.

YOAM Tinesinastinty Gmport
92 | PT Bara DM Nlaya Tbe

SUSTAINABLE FINANCE cover a11

Bank is comrmnitted to Implementing sustainable finance and transitlan financing towards a law-carban
sconomy. Numertous Initiatives have been undertaken, including financing under the Sustainabis
Business Activity Category (KKUB), Additionally, Bank has conducted environmental and social risk
assessments within Its financing portfolio. Inariditlon to the afaremenritioned risks, Bank has also eyaluated
fisks assoclated With human rights, biodlversity, and ciimate-related risks and opportunities. Tha risk
assessrnent process empioys 3 range of toois and criteria, including Sustainability Due Diligence (SDD),
Enhanced Sustainability Due Diligence (ESDD). the Indonesia Green Taxonamy. (THI), and the Indonesian
Taxonorny for Sustainable Finance (TKB!) Detalied sxplanations of SOD and ESDD are provided Iri Pillar 4
Governance and Risk

The Internal Audit Unit conducts an annual sudit coverage on the implementation of sustainable finance
witban the Bank usino a risk-based assessment methodoloay and 3 tofriprehansive Internal control
approach This process adheres to international standards, specifically the Cdmrnittee of Spdnsoring
Organizations df the Treadway Commission (CDSO) — Internal Control Integrated Frarmework.

Indonesia Green Lang ang | (THI) and
Taxonomy for tainable
Finance (TK8I)

Bank has identified and classified
ks financing portfolio based n

alassifications set by the. Financial
Servites Authority (OIK), specifically:
2) Indonesia Green Taxonomy ITHI)
classification, which has been
Implemented since 2022, and bj)
Indonesian Taxanomny far Sustainable
Finance (TKBI) criteria, adoptad sinca
Septernber 2024, particularly for
the energy sactor As of December
2024, 15K af the top 450 dabtors are
classifled under the green or yellow

zateoories, where TKBI refers te the
yellow Category as Transition'

20) SidahaitmsilNy Hmbait | 93
FT Bank CIMB Mlayu Tak

KKUB or Environmental and Social-Themed
Financing on ea kmi

Unu 2024 3023 2022
Total Products Ihat Meet iha KKUD Criteria
——
8, “Sustuiability-Linked LesFinandng 15BB3S 1OISAS 58602
Program (ILLIP)
bo Sustainable Finance Program ISF) 316302 2 SAT 220977
L Green Auto-or Eruyonmentaly Friendly Gas 39257 8345
Vehicles Financirg
Green Mortgage ia 28136 21296 M2A07
&. Solar Panel Financing we Credit cired a38 Oxs 026
&— Bektne Motoreyrle a-Eicytle Financing Vig AT ng -
Credit Card
9, Kartini Loan" 150 . -
—— —— —
Total KKU Productive Assatt
& Total KKUB Financing S3120A S5 A20 3066142
I5 Total KKUB Non Finaneing- Green Sukuk 219 209 -
Investment" Ap bilbone
& Total KKUB Nan Financing — Green Bond Se 588.1 3229
5. Irwesiment' ma
Peremaari KKUB Finencing to Total Loans LI P1 28. P1
2. Changes (0 dita perapereaticn
an respon pi Lang Aa eka Daratista
2g ot Indorusia asi PN ap an dry trd pura MA PEN ya BAN TAI

94 | anta Manar
PT Bara Cg hilaya Tbe

Compasitian and @vality of KKUB Loons jom ray, real

Gary (KKUBI

1 Ii Renewakle znesgy Ooo - a00 D06

z & Energy Eficianey 238 - a18 a00

3 & Pollution Preventian and Control a04 - oa a90.
Management of Natursi Resoutces and

« 3 4 Lang Like! 02 ox 1076 a90

& tg Conservation ef Land and Water Biodiversny - - - -

& 8 Erwrormenitaly Friendly Transportation 128 - TDS oo
Sustainable Water and Wastewatet

8 ? Climate Change Adaptition 2 . & z

2 Prodlucta that Hata Conserve Resources and

- es Gontribute to Lean Ballutibn bi sa S AD
Envireomentally Frlendiy Bulldinga that Meet

» (21 National, Regjoniul, av International Recognizsdl 13 - 103 DA
Standarduteriifkcstion
Othet Ervironmentally Friendly Businessancior 1

Total 324 i593 Para 216

“Tie NPL perzantage kurang M Ohlealaked tekkeg Or The turiat gearrtnihmn Of each MKV.

Ualartamiiy Rebort

FT Bank CIMB Ming Tak.

Sustainabie Finance Products/Programs

Bank Is cammitted to supporting CIMB Oroup. In mobilizna RMIOO billlun In sustainabis
financing by 2024. To achieve this commitment ahd mitigate various riska including but not
imited to reputational risk. Bank continues to develop erwironmentaliy friend!y products, such

25 Sustainability-Linked Loan/Financing nk) and Sustamable Financing (SF), to enhanos |ts
sustainable finance portfolio in slionment with tha GSSIPS framework. taking into account
sustainability and clirnate charige-related risks and opportunities

Sustainability-Linked Loan/Financing Green Mortgage Financing
(SLL/F) and Sustainable Finance (SF) Green Mortgage Financing |mzal fedillty
Programs for purchasing properties developed by
The SLUF and SF programs provide incentlves for certified green developers such asthose
zustorners who achieve sustainability. targets as agreed accredited by the Green Building Council
upon at the beginning of the program. The SF prooram Indonesia (GBCI) and/or Excellance in
is specificaliy designad far Banks financing customats Design tot Greatet Efficiancies (EDGE)
engaged In businesses ciassified Under tha Sustainable In 2024, Green 'Mortgage financing
Business Activity Category (KKUS). As of December 2024, msached 3 totat of Rp2B1 bilon:

Bank tecorded sustainable financing af Rp153 trilllon

through the SLL/F program and Rp318 trilllon through

the SF program

Eco Financing for Environmentally Friendiy Vehicles

Tie Eco Financing program for environmentaily friendly vehiclas is an Initiatlve led by CIM3 Niaga's
subsidiary, CIMB Niaga Finance (CNAFI, This prograrri provides financing for battery electric vehicles
IBEV5) and hybnd vehicles, In 2024, financing in this segment reached Rp814.51 billion, reflecting a 1278
growth from the previous year, This orowth was driven by the swpandina market potential for eco-friendiy
vehicles and government initiatives encovraging 3 gradual transition to sustainable transportation in
Indonesia.

As part ofits 2024 Initiatves CNAF installed an electric vehicle (EV) charging station at its headguarters in
Bintaro, South Tangerang. This initlatlve demonstrates CNAF's commitment to supporting sustainability
sfforts by bath the cempany and the govemment, specifically In accelerating the development of
Infrastructure for environmentally fnendiy vehicias

KOH Tinesinatlitfy

In 2024, CIMS Niaga, FT Karya Bersama Takarob (KST), and PT Nirvana Wastu Jaya Pratama (NWIP),
part af the NWP Property business group, signeda Sustainability-Linked Loan ((SLL) financing
agreement with s tota:-comrmnitmerit of 20300 billlon. This financing Is allocated for investment
activities and supporting the operafjohal management of commercial assats for both companies
Tpe Stt facility links Banks financing to |NWP Property's sustainability targets particillary In

anergy efficeney and green bulliding certificatlon

Trus SustainabilityLinked Loan (SLL) Ninanang aligne with Banks climnate actioo strategy to achieve
net zero-emissans (NZE) by 2059, One af tha key sectors with) an interim dacarbonization targat
Is ths real estata sector, Which simns to redute physical emission Intensity by 349 from the 2022
baseline by 2030: To support this goal, Bank Will continue to develop sustainable and (rinovatlve
financing solutions to help customers transition towards a low-carbon sconorny.

Linked Wakaf)

Tree (B. Mapan Savings with Wadf sa term
sevings program with 3 fiked monthly deposit
system basad on the selectad tenura Customers
recalvean upfront gift from CIMB Niaoa Syariah,
which is allocated as a wagf lendowment| and
transferred to the current account of partnar
wagf institution for management on behaif of
the custorner.

18 Mapan Savings with Waat
(sustainability

One House One Tree

The One House One Tree Initiatlvs, introduced in
2023, angages custormets to conitributs towards
environmental sustainability by planting a tree
far sach CIMS Niaga mortgage (KPR) booked
Until the year of 2024. this program contributed
to the planting of 8100 trees, with the following
distributlon SI bamboo, 36K coffes, and the
remaindar consisting of other econornically
valuable plants

Giro Kartini Is a gender-responsive current account product
that supports the growth af women entrepreneurs'
businesses This product aligns with Sustainable
Development Goal (SDG) & Gender Egualiy and
Empowerment of All Women. and Girls. Gire Kartini offers
altractive features such 3s competitive Interest rates and
transactian fee reimbursernerits based on - apphcable
programs Additionally, for every Siro Kartini account opened,
a donation of Rp25 thousand Is made to the Yayasan Iriklusif
dari Timur (Tenoon) to support traditional WweaWing training
for women with disabilities in Sulawesi, In 2024, the-total
third-party funds managed by Bank through Giro Kartini

reached Rp3097 billlon

Bank provides solar panel financing
through CIMB Niaga credit cards and
CIMB Niaga EDC (Electronic Data
Capture) machines to registerad
green merchantc Oreen merchants
Include both sotar panel and non-solar
panel husinesses. By the end ot 2024,
Bank facilitated customer transacilan
Firancing. worth Rp689 billlon
through partner green merchants

dit Card

The OCTO Card Digital Credit Card
and OCTO Card Syariah Digital Card,
Integrated within OCTO Mobile,
enable custorners to transact without
a physical card. Features inciude ORIS
payment scanning, --cammerce
shopping, and the option to convert

transactions Into fixed installments
forup to 24 months. Additionally, Bank
praomotes the use of cardiess deposit
and withdrawal features via OCTD
Mobile.ahgmng with Bank Indonesia's
vision to facilitats seamless. digital
financial ttansacttons

Harwini and PT Harpindo Insan
Cemeriang

Harwini Is the owner -af PT. Harpinda
Insan Cemerang, an MSME that inltially
cenducted Its butinass Irarisarticeis through
3 personal accojint. She has-since mada the
tramation ta utilking a Giro Kartini sccount
registeted Under bar compary3 name, As
$ female enttepraneuir. Harwini Is proud to
support the empowerrnent of other women
Sitrepramevteby encoyraging them ta oper
a Oito Kartini account

Cire Kartini not oniy premdes #ransactional
Canverkence for Harwin!s. business but
aiso support its growih with -attractive
features, such, as competitive checkang
meputt saryicesang transactibn (ee tukates
Additonally, tot every Giro Kartini account
Operned, a donation ie made to fund treditional
wenumng training for women with disabilitles
in Sulawesi Harwins testimonial can also
be found on CIMB Nlags's official Instagram
page (Krcimbunjaga), serving 5-2 reaklife
samp cf how Women entrapreneure can
schisve success whlle empowering their
Temmunities

FT Bae Tatap Mlaya Tbe

Impact of

men,
map maa (ma

The impiementation of sustainable finance
continues to evolve In tesponse to Updated
standards, frameworks, taxonorny classificatians,
and regulatory changes The complexity
of regulations, ciimate change dynamics,
technologicai advancements, and the naed
to Integrate -sustainability across all business
Operallans presents an opportunity for Bank to
continvousiy grow and ensura its employees stay
informed and adapt bo the latest developments

entation korea

Bank is also cominitted to adopting best
sustainability practices at both the national and
global levels. This is-achieved by actively updating
Is knowledge through training participationi,
serving as a speaker at Industry events, and

enhance #mployees' understanding but aiso
encourage customers to actively contribute to
sustainable finance

developing sustainability-based. products and
services, such as Sustainability-Linked Loan and
Kartini Loan. These initiatives not only sim to

mplementation.  Further
details on training programscan be found in Pillar
SAdvocaty and Stakeholder Engagement.

Financing High Sustainability Risk Sectors

Teovesi-ral (Ga PRO) ISUSA LA, LIA LLL IMEL, LE LSI TPH-CI-N100.7, FN-CB-5500.2) (ACGI II, LL 9)

In its financing process Bank systematicslly assessas potential advetse erworimental and social Impacts
linked to the business activities of both existing and potential custorner, To rritigate these risks, Bank
Sonducts sector mapping for industries that presant high risks towards: environmental, social, and.
governance (ESO) aspects All corporate banking cilents, along With several commercial banking clients,
must complete 3 Sustainabilitv Due Dilidence (SDD) assessment. Furtherrnore. Bank hasestablished Sactor
Ovidelinas that outlines minimum ESG regulrement. prohiblted activities, and encouraged sustalnabdity
best practices. These guidance are applicabie to the Agriculture, Forestry, Other Land Use, and Land Use
Change (AFOLULUC) sectot, which encormpasses palm gi, coal, oil and gas forestry and natural rubber
coristruction and Infrastructure services, mining and guarrying, and manufacturing Should an existing
or potential custamer not fulfill the SOD reguirements or faii to-adhere to the minimum reguiremeni,
they will be obligated to undergo Enhanced Sustainability Due Diligence (ESDD). Details for due diligence
process can be found in Pillar 4 Governance and Risk, While a summary of sector guidelines & available
on Bank's website

KKUB Financing in Land-hosad Sectori
Bank consistenilly encdurages ciistorners and. prospective customers In the Agriculture,
Forestry: Other Land Use, and Land Use Change (AFOLULUC) sector to obtain sustainability
Certifications As of Decarriber 2024, 14 Bank custamers in the fisheries and forestry sactors
have obtained sustainability certificatlons with Rp3.282:98 billion In total financing.

Cariiticotio

» Best Agusculture Practice

- Aguacullture Stewardehip
Council

" Good Hatchery Practice

" Good Aguaculture Practice

Sialan

FT arik CIMB Mingyu Tiak

Total Financing

(tp dimana!

3 1e01,23

Forestry

Timber Legalty Venfication
Systern (SVLK)

7 310798

FSE COC A SVLK

4 3478

100

YDAS Biresinattitfy Report
FT Bare DE Nlaya Tbe

Sustainability Commitment for Palm
Oil Customor3

For palm oil sector financing, Bank reauires
debtors to adhsre to sustainability commitments,
Including obtaining Indonesia Sustainable Palm
Oil ISPO), Roundtable on Sustainable Patm Ol

Exploitation (NDPEJ principles, uphoid Free, Prior,
and Informed Consent (FPICPADIATAPA), and
ansure compliinca wiih High Conservatlan Value
IHOVJ and/or High Carbon Stock (HCS) standards,
along with several sustainability cornmnitments.

Total

fisoncing Itp

Commilmant trililomal

Debtori

(RSPO), andior International. Sustainability and Nope 5-1 5
Carbon Certification (ISC). Additlenally, detitor: tp 2g PP
must implement No Deforestatlon, No Peat, No

UDOE 5 Me Deftusarasan, tu) Past sen Lamotanan, TPI: » hwa Pie patuh
Itifmmmaih Ciremai. HOW « #egPt Gormemuatan We har II» Kggie Canbora Blak

Financing bused an ISPO, RSPO, andi ISCC Certitications

tot Menta Amount Fina: (Rp trlilion?
» Re9
3 928
A 3x3
3 208

ANPO » Raundtahe an Buramahia Nwen OM GPS 7 mufonesaa temanya Pair GI (POC » Mwerrartoral bumuabarny so Cartiue Ceri como ape menara
Waaeprutatkan of Dau RSD Pir ea ra MU CALINY, Wal mapun Kdi karhonta YNyat Natew ibtawwst An DGPE cant kmw Iva Ceresnihaka wak NIM ba Pia bal ve Wen
Ape prinberea cf li Detoerattirn, Ms Maat. adi We Eapinkatiun "SPO 8 ary IMI pair artarntattitrataatuammtsdtny starsdara UN Iodcrewia Arcana 5 mopilati Ne arm
#eOuitatanie "SELX jo ane Af Ty bening pertficstian eharya Soe puat wabiliy and (wnhnss gas wresaatm 4 Inly 2011, SL sexs seeseprisimat By BN Zurcenahy
Torammeer un 200 (fibe Pra Dan OrLOO ehemea mane Of AmmgenMaiNg-Komutince white ELIN Pemevyabto Eirmngy Deras FFETII peruteremeerhe

The sustainable palm oil financing portfolio in

2024 Increased by 34X compared to 2023

emban Report
#amkemamsara | 101

Management of the Phase-Out for supporting the government In achisying Its
Thermal Coal Mining Financing by tenewabis enargy mix targets through financing

20W0 isusaa Intl thetransitiontowardalow-carboneconorny. While

Liirs effort rnay results to.temporary fluctuations
As part Of its Cirnate action commitment and In achieving the 2030 interim, decarbanization
strategy: Ini Banks Journey | tawand:becgming targets, It Ic deemad essential to ensure & Just

an NZE 2050 organization, Bank |is.gradually  ransition and: assist debtors Ini-shifting towards
reducing financing for the cost sector and plang s,stainable alternative energy sources.

to: completely phase out financing for therrnal

coat mining by 2040, Bank also has an Interim in ASEAN sed indonesta, ut
dscarbonization target for 2030. almino to reduce imotementatiori presents uniaue “challengee
financing for thermal coal mining sector by coal will remain as an 'Important eneroy source
508 from the 2021 baseline. Additionaily, Bank due to Its affordability The sarly retiremant of
Impisments the Exclusion List as 3 commitment fassli Riel power piants ould Weaken eriargy
to sustainable finarice practices, which prohibits security, economic stability, and: employment
Iinancing for thermal coal mining and coal-fired opportunities Although renewable sneryy has
power plants ICFPP) expansion Or Oreenfield — hoen advancing, this tranisition may be hindered
Projects as well as Ihe Usa of Mountain Top” hy several Factors including ilmited accass to
PENAK AE ENY, MERE RRI Dati YA Uta er TO IA capital, grid Infrastructure constraints, energy
RCA, storage challenges, and the need fartransmission

modernization, all of Which may impedes the
Indonesia's current aneray mix primarily relles Integration of clean eneray,
on fossil fuels, however. Bank is committed to

Just Transition for Oil and Gas Sector

The International Enaray Acency (IEA) NZE 2050 (regional) scenario reference states
that new oil and gas development projects are no longer needed, axcapt for those
already comrnitted iri 2021, as existing projects are sufficient to meet global demand.
However, In Its 2023 update, the IEA acknowledaad that long lead-time exploration
projects—which typically take 20 years from exploration t0.production—may still be
necestary for energy secufity, particularly in response to short-term disruptlons such
35 security and geopolitical riska, In Ilne with the IEA NZE 2050 (regional) scemario

reference, Bank has established an Exclusion List. which prehihits financing for new
oil fisids.

Bank recegnizes ASEANS reliance on natural-gas as a transition fuel to reduce
dependency on Coal in this power sector While Bank remains cemimitted to
restricting financing for new oll feld projects, It Will continue to raview ciimate
science, technological advancements, regulations, and developrmenits in ASEAN
power sector toadjust its position as needed,

ing Kampar

Oo | mean

CUSTOMER SATISFACTION LEVEL AND
COMPLAINT RESOLUTION woneeri. 20101 221nc010s

We cantinvousiy strive to provide the besi service to our customers. Therefore, we provide estabished
sommunication channeis and customer service platfarms for customers to submit varicus maLiries,
Inctuding complaints related to our products and services These channels.are also accassible for other
stakeholders fot subrnitting complaints, feedback, or suggestions. Every compisirit received Is regarded
as a shared responsibility among relevant Units Within the Bank

Tiiroughout the year of 2024, we did not recalve any customer compiaints concerning operational activities
Impacting the environment or non-compliance with regulatione Detailed Informations on the types of
zomplaints and resolution rates can be found in 2024 Annual Report

Customer Communication and

Servica Channels (ACG3 &.I.i)

Furthermore, to mairitain the
highest standards: of service,
Bank conducts an. annual
customer satisfaction surney
to assess service guality and
evaluate the  effectiveness
of Its Offerings The survey
Considers various aspects,
including products, service
channels, and overall service
guakty.

Net Promoter Score INFS)
a71 em | son | 501 —

Customer Compiaint Resolution kate
Ka | 1D

2

104 |

YUOA Firsinetilify Report
FT Bare DME Mlaya Tbe

CORPORATE SOCIAL RESPONSIBILITY
(CSR) PILLAR peres oomoowsuncersaw

(4 ——u

Through Its four main Corporate Social
Responsibility (CSR) pillars, CIMB Niaga
implements its CSR programs as a
manifestation of Bank's commitment to the
Sustainable Development Goals (SDGs)

CSR Pillar

CSR focuses on
Increseang ouality
ot secess through

tinanest literacy
actyilss, sehglarship
programny and
assmtafoe lor
educutiondl supdOrt
faclitise

Am

CSR Pilar 2
Communit
Health

Welibeing

C3R Pillar Ir
Economic
Empowermant

CSR Piltar W
Climate and

POptaiana9 SA angn, ne Irveneinaan
cotrindunity kesitu zommunity
mada Dani #mpowerment
with the- atm of
Improving the

sana.

Realizatian of CSR Funds mo mitisnat Iron

z2 8

TR

Edusation Healing Eednorrise Climate & Others
Cominunity Weli Empowormerit Environment

Being
3,873 CD 16823 8179 uc 257 C»
5,140 ce» 1,156 &— 6,131 6,161 D 250 5
8,077 “1 5,012 2 5,187 1,023 & 1112 c»

| sar 23,878 21,416 24,216
Cs tonts

EMPLOYEE VOLUNTEER PROGRAM so.

CIMB Niaga remains committed to actively
Involving its employees in the Employee Voluntaer
Program. which aligns with its four CSR pillars. In
2024, Bank regulred sach smployee to participate
In CSR activities for a minimum af 4 Mours per
year, an increase from 3 hours per year In 2023
Trisse hours are counited as part of emptoyees' key
performance Indicatars (KPI), By the and-of 2024,
Bank recorded a total 5f 70,859 employee yoluntaer
hours, 3veraging S90 hours per employee who
participated in the program This achievement
refistts amployees' dadication to provide a positive
Impact for the environment and/or social.

In 2024, the Employee Volunteer Program was
cariad Out both individualy and bankwide
Individual activities included waste management,
charity runs/walks, teaching, cieaning river,

105

schools, or places of worship, and blooo donation
Meanwhile, bankwide activities that involved all
employees in the Employee Volunteer Program
includedi

106

1

PT Bara DM Nlaya Tbe

A Better Climate and Environment
(ABCDE) Challenge, 3 prooram that w:
Initiated In 2023, encourages employess to
participate In environmental conservatian
efforts around their homas by collecting
The coliected Wasta Isthen

Inorganic wast:
delivered to waste banks, v
or environmental non

aste collectors

organkzations (NGOS) near the employe
residences By the and of the program, 3

overnrmental

total of 236 tons of waste was collected
consisting of 458 paper Waste, 248 plastic,
used cooking oli, and 189 electronic
waste, This mnitiative. aims to reduce

househotd waste: from ending Up In
landfilis (TPSAJ and promote better waste
management practices

Aksi Peduli dan Kado untuk Akhir Tahun, 3
brogram encoliraging smployees to collect
Gently used clothing and books for donation
te various distribution
Indluding Donasi Barang, Barang Berkah.
Sedekah Barang Bekas Berkualitas, and
Yayasan Amal Sholeh Sejahtara. Aksi
Peduli was held in conjunction with CIMB
Niaga's €Sih anniversary and took place
simultaneousiy In Medan Sandung
Yogyakarta, Bali, Makassar, Surabaya,
and Jakarta, while Kada Akhir Tahun w
conducted In Jakarta The
Mected.- S.815
3S books for donabton

orgarizations,

wo initiatves

succassfully
clothing and 1,8:

131

lised cooking oi

187

slectrorie w

241

plastic

157

paper waste

2.36 tONNMES arwasarain cocoa

Total items collected:

5,815 1,835

weatabis elotiting books

#tasmk cina Mayutak | — 107

PILLAR I: EDUCATION sr... —— FP

Scholarship Program

The schotarship program is dasigned 33 part
of Bank's commitment to supporting higti-
achieving students in accessing guality
aducatlon, allgning with efforts to enhance
their guality of life

In 2024, Bank continued to provide
seholarships to-students from public and
privata universities In Indonesia While
also offering 2pportunities for Indonesian
students to pursue schalarships at
Universities in the ASEAN region Since
the launch of the scholarship program
In 2006, Bank has successtully awarded
scholarships to 12886 studenis across
universities In Indonesia arid several
ASEAN countries.

Bank also provides personal developmani
(soft skills) training for seholarship reciplents
through various educational programns, such as
Be Smart Program, Financial Literacy Training,
and other educatlonal workshops (ea, public
speaking and branding). Scholarship recipierits
also have the opportunity to participate In
voluntsering programs Including activities
In Kupang, East Nusa Tenggara (NTTj, visits
to. #JadiBerkalanjutan MSMEs, teaching and
tree planting. at schools, stunting. awareness
campalans, distributing basic necessities to
underprivileged farnilies, and beach cisan-up
Initatiyes

This year, Bank lsunched 3 new initiative alongside the
inauguration of scholarship recipients for the 2024-2026
peried, namely the CIMB Niaga Scholarship Alumni
Associatlan This Initiative is expected to see as 2
platform for alumni across Indonesia to continue sharing
#@xperiences and supporting one another

CIMB Niaga Scholarship

Program 2024

—“

Savings and Investment Program

am rana lrm-cn-adoa.d, 3u00.4|

As part-of its efforts to support financial inclusion
and literacy In Indonesia, Bank continves to
Impiament thea Ayo Menabung dan Berbagi
(AMDE) Program, Tour da Bank (TDB), and Be Smart
In various regions within Its operational hetwork.
Tre Implementation of these programs sligns
with Presidential Regulation No, 114 of 2020 on the
National Strategy for Financial Indiusion (SNKI),
which targets an increase in financial inelusion to

304 by 2024. Additionally, these initlstives support
the enforcement af POJK No, 3ef 2023 concerning
Improving Literacy and Financial Inclusion In the
Financlal Services Sector for Consumners and the
Community and align with the Financial Services
Authority (GIK) Initiat|ves, including the Financial
Inciusion Month (BIK) Program and the One
Student One Account (KEJAR) Program.

NN

NANNANANANENANNNNY
KARENA

2004
Aogumulatinn Accuraltalor
uundil 2024 urtil 2024

Ayo Menabung dan Berbagi (AMDB)

The Ayo Menabung dan Berbagi (AMDB) Program & Banks
Initiative to raise financial Iiteracy awareness amona younger
generator. This program focuses on financial literacy education
far high school students, covering-topics such as the Impoartance
Of saving, responsible financial management. digital banking,
Investment, and giving back asa forrn of social responsibility.
Through the AMDE program, Bank integratesfinandal education
values with engagina Intaractlve activities including educatlana|
content dellvered through mriniseries movies and adicational
Games. To expand the program and addrass emerging financial
crime trends, Bank collaborates with the Financial Transactlon
Reports and Analysis Center
with education on the Importance of understanding money
laundering activities

IPPATK) to provida students

Iiz

An Inoruase was shawn in
participants undenntanding In
the AMDB 2526 Progtimm kasad
On post-test results compared to
Le pre-test This Outcoryie met
The tangan Of» 1016

FT Bank CIMB Magis

Tour de Bank (TDS!
Tour da

to introc

(TDB) Is-an educationat program desioned

ucdents to the banking

industry erences. Th

nviting students to visit the

by bringinga mobile banking unit

alow hem too!

rve and unde

banking
the: techn

opera financ

ic

used In the industry. During the
d by DIK in

by

Month (SIK) i
the

ti

supported Initiative candu

Number of Studenti

447

we syoweri In

upderatanding In
jae

22,370

Acetinmutatic

Financial Literacy for Teachers:
Understanding Investments

on beyond
the t

d long-tarrr

109

"no PT Bara OME Nlaya The

Savings for Students

Bank offe " gs t for students
Intro

AMDB ahd T

Basic financial literacy financial

with varicus planning for the future and treduction

financia

to the financial

rvices Industry, partk

types of
banking
Financial | ining to 93 CIMB: Niaga Financ

Bank also provided financing, with support from CiMB
CNAFI

financial it
trment and understanding

focusing on the

scholarship recipients attwo le
naf in

atrmnon ppart from

y lsundering, with

(reraor Of Troining Sessions
-

2 times €»
2 times

2 times

ti

inderstardIng Ir

results commared to the pre

FT ank CIMB Muyu Tak

Provision of Educational Facilities

As partof its commitment to supporting education programs by providing Infrastructure and facilities,
such as printers, school sanitation egulpment, worship faollities, and ertracurricular activity support. Bank
provided assistance to 65 schools across Indonesia In 2024

11

The Compiete Intern - Kampus Merdeka

Bank continved its coflaboration With
the government through the Kampus
Merdeka Program in 2024, This program
offers students the opportunity to gain
reai-worid Work experience aligned with
their talents and interest In addition
particpants engagae In character
building, volunteering, and team-buliding
prograrns to enhance their soft skills.

Beneficiaries

In 2024, Bank provided opportunites to 152
students from public and. pnvate universities
acoss Indonesia, dlvided into 2 batches. These
students were Involved In 62 cross-directorate
projects Cumulatwely, as of 2024, Bank has
Offered | apportunities 19.565 students across
seven batches

Kejar Mimpi Goes to School

Kejar Mimpl| Goes to School is & volunteering
and aducational InitiatVe for siementary school
students, conducted simultansously in one day
by CIMB Niaga (In 35 citles supported by 35 Kejar
Mimpi Communitles. The avenit brouaht together
more than 4,699 participants, including students,
parents, teachers, CIMB Niaga employees, and
Kejar Mimpi Community voluntsers

With the theme "Generasi Tumbuh Sehat” the
Initative focused on stunting prevention and
financial Iteracy Im 35 schoois through various
Interactive activities Children were Introduced
to: financial Iiteracy concepts through. video
storytelling and coloring actvitiss Meanwhile,
parents received financial education On the
Importance of Investing for their children's
education and retitement planning, along
with & nutrilon seminar and 2 healthy cooking
Gernonstratlon

The program also included book and facillty
donations, as well as rmural painting in several
school The event receved -extensive media
coverage, with more than 175 national publications.

12

PT Bu

sg Nlaya 7

PILLAR 2: COMMUNITY ——» ff

HEALTH AND WELL
BEING

Peduli Gizi Anak #CegahStunting

Bank hn partnered with the United Nat
| rnational Children's Emergen
for the Early De mandT

Malnout to pre

ws, and WhatsApp blasts
ves encompassed Media Cath

el Fair Xtra Xpo, the Kejar Mimpi
Surakarta music concert, and The
Exhibition. To-furtt pand public

Bank @

the O

prav
Moti

donation chanr
TO Click

d out

total of 2! fundr tivation ore carri

million in donatic

donors

Additionally the

#C Stuntina collaboration
Initiatlves, Bank provided
to donors supporting the
unting program. souvenirs
ourced from produk loped
mmunity Link #Jadi and

2d out through
Donatlor
the LL

for Wetims o uption

akarta, Throughout 2024, B:

s phitanth:

Adiditianally

pya

#JadiBar ve aimed

anju

also topromo

not only to-apori

pp

featured iterns

ed products

Included T-shirts Individu: with
menta coastars made
Revelile). and

by

I-bsing: Severs

amadhan 44SH, Gurban
Barik
an NTT anggara

84 individu

FT Bank CIMB Ming Tik

PILLAR 3: ECONOMIC Pa
EMPOWERMENT sesi. io o1acer isi

Bank is committed to promating inclusive and sustainable economic growth, with 3 focus on MSME
ampowerment, financial s0cess erpansion, and community development These initiatives have had
3 positive impact on program participants and surocunding communities, contributing to economic
Improvement.and an enhanced standard of living for benefidaries and lacal residents.

1121 Program Community Link

LINI Cammunity Link Is one-of Banks programns that engages custorners and/or ths

2

Community In addressing and empowering environmental, ecenornic, and sai
(EES) issues, The Community Link program Isdivided Inta three initlat|vec #JadiPeduli,

CIMBNIAGA
buka " #JadiNyata, and #JadiBerkelanjutani
Community Link #JadiPeduli
Program

The Community Link AJadiPadul
Prograrmi isan initlative that encourages
Bank employses to actively participate
In social activitias Trirolighout 2024. 2
total af 69 branch offices and business
tinits took part in this program.
angaging in activities such as financial
literacy education, tree planting, beach
and "ver cleariups, school renovationa
and. social initiatives: for orphanages
and eiderly care homes A total of
20 branch offices or busiriess- units
conducted social activitizs, benefiting
more than 2000 individuaks, while
49 brarich offices organized financial
literacy programs invoing nearly
20900 participants. The impact af this
program Is also counted as part of the
AMDB and TDS program achiavementa

Na ion SiMamaya ma

Community Link “JadiNyata Program

Ina Community Link #JadiNyata Program aims to endourays Ihnovbtion and sctive Community
barticipatian In addressing soda, aconomit and envitonmierital challenges In 2024, Bank continusd this
Community Link #IadiNyata Program, With 528 partcipants, reflecting a 30 increase in participatlon
compated to the preyinus year Ths 3 best sucial innovatlan wirirers were

The Ball Ling Lab prouram atidrawes watu Isuss In tree coffe industry
Through this Inillatve, Arka Ifani Geveloped 3 biotnar productiom tool
to transform coffee husk Waste tem Tarmer groups In Clengktang
Bandung Regency, Into soil stabilirers. This program helps reduca waste
While sampowanhng coffee farming communitiss

Arka irtani
(Bell Lving Lab)
Bandung

Metasekcita seaks ti» develop an acioh-agdentute- Game festumg

Wayang Word arte to optimize culture-based. Ieaming, This gama
addfossas tne lack of cultural lesung resources in sehock By leveraging
rutting-edge digital technoleay, the Initiative aims to make cultursbased
sducsikin more sffective and appeslinato younger Gereratlona

Cahya Febri Wijaksono
(Metasekarta)
Surabaya

Dacoco Lumirer Ian erwiran mentaliy frenidiy Oghiting Innovation mada

Itam coconut sfalls incorporsting solar patisis for anetay efficiency Led
by. Siti Nurul Adbirniyati, this initlative enhances the economic value of
roganut zheil waste whila empowaring local srtisans In Tampaksiring
Vilags Ball, The program allans with sustainabihy ptinciples by Utillsing
renayable energy and supporting local community empowerment,

Siti Nurul Adhimiyati

(Decoco Lumninat)
Bali

truk Gian Mayurau || NS

In 2024, Bank also provided mentorship and development support to the three winners of the 2023
Communily Link #TadiNyata Prograrn, with the following progress:

Amaondo Prita Kirana (Ditkevelile) - South Tangerang

Dit Beyeille Ica brand that signifies an mvitation to.cars for the environment, focusing
an repurposing plastic bottia caps Into furniture and unigue, econornyically valusbls
Souvanirz. Sorrie of Dit Reveiles merchandise has been showcased at various Bank
events gaining attention from visitors

Dit Reveilis-aiso empioys seveh local workers who manage operatioris
waste collection, and production, Through mentorship under the
#iadNyata program, Dit Rawellia successfully bullt Its social media
presence, With several trending content pieces The brand's social media
3nd marketplace platforms include

2ditreveile d Siteselle Gg ditrwallie

In additiori, Dit Raveille sxpanded Its product rangs, progressingd from research and
development to fulkscale production, including coltabaratiss products with other
brands It atso estabiished new facilities and developed operational machinery,
snatiling future In-house production using Its own 2yuipment and Infrastructura
As ol May 2024 —January 2025. Dit Reveille gererated avet Rp79 rnillion in revenue
Irom product sales

Irfan Nur Ikhsan (Tanigo) - Majelengko, West Javo
& Through mentorzhip pravided by Bank, Irfan Nur Ikhsan successfully purchased several
TANIGO machines to process Tilas Baneng piants Into. Instant noodles and fsh feed Under
the Tanipo brand. The taw materials for Tanigo are 3ourced
from SO farmers, who serve as the primary suppliers. Additiopally, these farmers
recalva trainima is Talas Bensno cilltivation to snhance theiragriculturai practides
Tamigo's products are marketad both offline and ordine in Majalengka, Ciarnis and
West Banding, The business Operatas through 3 B20 (Business-to-Contumer)
model and a R28 (Business-to-Business|) model, collaborating with companies
and Inatitutions In Pati. West Bandung Regency, Majalengka, Ciamis,
Sukeharjo, Solo. and: Blora, as well as the Indonesian Ministry of
Cooperatives £ MSME3 (central office, Tanigo also leverages social
media arid online advertising (AdSanse) to expand Its reach, Below ara
Tanigos social rnedisa platform

cd ditanipa Id 8 tanigoselahtera.com

Within a year, Tanigo succeesfully genarated more than Rp500 million In revenus.

Betsy Yolanda (Nutriis)
« Kubu Raya, West

Kalimantan
Nutriisisa brand specializino
N ILS ri sado-based products

and sago waste processing,
developed by Betsy Yolanda with the Involvement
of over 10 lecal community members in Sungai
Ambangah Village, Kubu Raya, West Kalimantan.
The processed products Include wet and dry saga, Amanda Prita Kirana -Dif
which are soid to food factorles as raw materials for kevellie
cake and verrnicelli production. Additianally. sago 5
waste Is repurposed inte hydrogel cellulose for
plant fertilization and brialettes wlih ecoonamit
valus.

Through mentorship from Sank, Nutrils
successtully bulit a production facillty, acgulred
machinery, and Initiated tha process of obtaining
business legality, including Household Industry
Food. Permit (PIRT), Business Identification
Number (NIB), and the Implementation cf
Standard Operating Procedures ISOPs) The
production of wet sago and planting media has
Contributed to soonamic growth for the Jocal
community. Sore residents Gerisrate Income by
selling sago trees as raw matstials, While 10 local
workers benefit from employment opportunities
at Nutrils The business generates an annual
revenue of Rp30 million to Rp100 million

The Community Link #JadiBerkelanjutan Program continued Its
partnatship with BerdayaBareng to launch the Sustainable Economic
Empowerrnant Training Program. This initiative, which has been
running since 2022, focuses an women entrepreneurs and. persoris
with disabilitles In Eastern, Indonesia, specifically In Mamminasata
(Makassar, Maros Regency, Gows Regency, and Takalar Ragency), Toraja
Regency, Kupang, Samarinda, Balikpapan, and Manado, areas that have
historically had limited access to bariking and financial services.

In 2624, Bank held 3 graduation ceremony for selected MSMEs frorn the second season of the program,
vehich had been running since 2023, Tive in-pergon ayent in Manado was aiso attended by thea Deputy
Mayorof Manadoand the Department of Cooperative: & MSMEs As part af the program, Bank visited ons

FT Bank CIMB

of the benet arson with

ayo

her mont

ully Ine

Income
gram

disatilities vi

from Rp500 thou

Rp15 million t

tedthi
part in the

Bank

ning

ning fram 2

and Manado. F 50 selected N

will receive int K In addition

han their business networks through MSME

the opportunity to streng

(Community L

cupita! and
cina varidus cha
r partiupa
#JadiBe Uut 1,
d vgluable kr including bi

vriting

Thank you CI BR Niaga and Yayasan Berdaya Bareng,
program that greotiy benefits us MS

228 : uy

Wwornen : Men

Makassar, Balikpapan, Gowa, Samarindo,
Sungguminasa, Toraja, Kupang 4 Monado

rticiperntar Cities

Cumulatively since 2022, there have been 695 MSME entrepreneurs ,
involved

13 |

YON Tinesinastitty Gport
PT Bara DME Naya Tbe

Empowerment
and Training for
Persons with
Disabilities

As part of the Impismentatlan of Law
No. 8 of 2016 om Persons With Disabllities,
Bank continves to foster a positive and
Inctusive work environment by providing
amployrnenit opportunities for 2 persans
with disabilities under both outsourced:
employment contracts (Contact Center,
Admin Support for Risk Control Unit, and
Human Resourcea) and direct contracts
(Frontiiner « Teller, Desk Collection, and.
Development Program),

Additionally, — through the Seraya
Entrepreneurship and Partnership Training
Program in 2025, Bank has provided capitai
assistance and facilitated the opening of
Seraya coffee kiosks in Bandung.and Bagar.
Bank also continued Its collaboration
with Alunjiva, retaunching the Seraya
Entrepreneurship and Partnership Training
Program with 30 participants. Currentiy,
the program Is focused on the Jabodetabak

and Yogyskarta regions.

Betha Siarif

Seraya Kuliner Bandung

bil

appy und grotek

th disabil

Bamboo Farmer Empowerment Training

As part ofits commitment to sustainable bamboo
Conservation, Bank coilaborated with the
Indonesian Siodiversity Foundation (KEHATI) to
provide training for bamboo farmers In Rarung,
West Nusa Tenggara (NTB), and Flores East Nusa
Tenggara INTT). The training covered bamboo
cultivatlon and design, bamboo-basad product
Gevelopment, bamboo furniture making, compost
production, arid bamboo polybag rnanufacturing.
In 2024, Bank traimed 417 bamboo farmers across
Its barnbco program locatlans.

Asa result of tha training, barnboc farmers have
anhanced their understanding of bamboo-based

products, leading to the development of new
products such as bamboo leaf organic Tertilizer.
vacuurn-packed bamboo shoots, bamboo charcoal,
barnboo charcoal brigusttas, bamboo stem liguid
smoke, and tabah bamboo leaf tea One of the
trainad women farmer grovps (Kelompok Wanita
Tani/KWT) In Rarung, KWT Mekar Harurn, received
an award from the Ministry of Environment and
Forestry on August 10, 2024, during the LiKE 2
Festival (Erwiromment, Climate, Farestry, and
Renewable Energy). The group was recognized as
& Fostered Partner in the Implementation of the
Special Purpose Forest Area (KHDTK) Management
Standards for.Rlaruno.

@rik CIMB Miagis Task 19

PILLAR U: CLIMATE AND ——» KPA
ENVIRONMENT ore ec aloe

Since 2022, Bank, as 4 member af the Banking Compllance Director Communications
Forurn (FKOKPJ, has collaborated with, KEHATI to'immplement a five-yeat bamboo tree
ptanting initiatis as part of (ts: commitment to environmantal conseryatian. This tree
planting inivstlve Is part of FKDKP's support for the Natiorial Movernerit (Garnas) 22 Years
Of AML-CFT Indonesia, launchad by the Financial Transaction Reportsand Analysis Cantat
IPPATK) in 2024, Activitesinduded asymbolic barnbco tree planting cerernany.networking
Sessions discussions on the bamboo program, and community empowsrment visit in
Ngargoretno Viilage, Maoslang, ori October 3), 2024, The five year plamillng plan targuts
the planting of 15,875 bamboo seedllngs atross 27 hectares in Ngargoretno Village. Bank
has committes t010,080 seadlings (638 of the total commitment), of which 5,000 bamtioo
seediings have been planted az af 2024,

120

CARBON
ABSORPTION
tco,l

INCREASE
GROUND WATER
CONTENT

The Bamboo. Conservation Program, refiects
Banks lona-terrm comimitment, which has beer
carned out over 13 years in collaboration with the
Indonesian Bliodiversity Foundation. (KEHATI)
and field partners. Through this initiatlve, a total
af 59900 bamboo seediings have been planted,
Tonsisting of Biack Bamboo (Sigantochioa
atrowolacea), Tabah Bamboo (Gigantochloa
nigrociliata Buse-Kurz), and Betung Bamboo
(Dendtocalarnus asper) These plantings have
been conducted in West Jaya, Lombok — West
Nusa Terigoara (NTB), Tabanan and Gianyar — Ball,
Flores — East Nusa Tenggara (NTT), and Magelang
- Central Java, Over the past 3 years, the bamboo
program has been focused on three key jocations:
NTB, NTT, and Magalang

SUPPORTS
NATURE
CONSERVATION

RESTORES THE
ENVIRONMENT

Bank hasconductadimpactassessmentison severa|
programs, including the bamboo coriservatlon
program in NTB arid NTT as well as the sorghum
program In NTT. The findings indicate Increased
farmer income, Improved community water
access. #nhanced skiils and capacitles of farmer
Orcups, and a reduction in stunting prevslence

Bank 3iso conducts periodic carbon seguestratlon
potential analyses for the planted bamboo. Iri 2024,
calculations showed that the bamboo plantings
have tha potential to absorb over 3,700 tons of CO:
eguNalent, bringing the cumulstive total since
2019ta more than TI,400 ton of CO, eguivalent

Bamboo Program in Rarung Research Forest (KHP), West Nusa Tenggara, and the Betung Bamboo
Conservation and Valus Enhancement Program in Ngada. Flores, East Nusa Tenggara

Tabah
Bamboo (NTB)

Betung
Bamboo (NTT)

12 (G EN 19

Includes farmer groups cooperatives, anti — 4 Incfudes tama @roups ervironmenyal
Wage yoverurenta agendlet, and villags govemmerae
Lag oo

An investmenuof R00 rvihon oy.tne An invesimang of RP1OD million by tr
Company yerratesi an pistedhris Valiser Of £ SROI 2 Company (enezated ar cuntorne Vakue dat
RaisA milan Akaoo railllon

3.6- 4.7 mg/l dissolved 7.8 - 8.I mgIL dissolved
oxygan P1 —| oxygen

Masete the water guality stancassis for clear Enceerde ttie Water cust stardarda for
water

6 ' drinking water '
Protected Fauna (Based on IJEN Firozseted Fauna (Based on ILKEN
Carayoriesh Caregane
Endanyered (EN) Endangered
- Mawoea fnvelinis (ong-tarles Macanue) — Mesesisa mdieudol8 (tarrg-telerd Macet)
- Tralttes keleng (Combo Brewving C 5» Vulnetable (VUJ
Bumernyg Nyetir jovanica Gevan Porcuoinel|
« Troeiypithecul durktus Gavan Langun - elilkratur prochiaa #MrdlarrIrey Witeth
Gratula religissa (Carorrjat HI Myra)
“5 » Lehka gaeko Tokay Geckal |

Bank Irnolemented the Sorghum Development Program in East Manggarai Reoenicy,
East Nusa Tenggara to prornote Ipcal food-conservation While enhancing community
food security. Sorghum spp. Is an ideal clinsate-adaptive crop due to its C4 metabolism,
which makes It drought-resistant and hiahiy sffective In carbon absorption. Its axtansive
foot #ysterni halps prevenit soll arosion and retain moistute Asa reto-yaste crop, svery part

of sorghum can be utilzed, its grains serve az a food source, the atalks as Nvestock feed,
and Its waste can be processed Into eneray ar. compost, Additionally, sorghurmn contains
secondary bidsictlys compolnds that provide haaith benefits This program has sucoesstully
producad various healthy food ptoducis, including sorghum Nourfrom sorghum grains and
houid sugarextracted from serghurmn stalks, An impact assessment of the program revealad
2 Social Retur an Investment ISROI) ratio af 133, inditatlng that fof esery Rp100 million
Invested, the program generatas an output valus of #0123 million.

122

Inorganic Waste Mana

Bank implemenits waste management Initlatives
through various programs and activitses, including
the ARCDE
Workshops,

Challenge, Experiential

te to Landfil! initiatives

Laaming

and Zero Was
at Bank events. in 202
waste was collected from 18 major Bank events

a total of. 420 tone af

and processed by third-p:
providers

y wasts mansgement

gementi

In addition towaste collection, Bank also rmanaged
was' In 2023, totaling 309 tors
cf paper and card Was
led In product: tables
Chairs, notebooks, and tumblers, which were then
used as merchandise for Bank events

accumulated

These materials

rec 0 various such as

es In the pa

"3, nor are they

Pillar

GOVERNANCE
AND RISK «

ajal lojaa

124

SUSTAINABILITY GOVERNANCE sorosion

R-ARUVIRA LOL PILACGI (DLILILNI

CIMB Niaga actively contributes In supporting climate change mitigation and adaptation efforts As part
of its sustainability governance, Bank has integrated climate-related risk aspects into its risk management
strategy. As a member of the Net-Zero Banking Alliance (NZBA), Barik has set a target to achieve net-zero
greenhouse gas (GHG) emissions across Scope |, 2, and 3 by 2050 and become a Net Zero Ernission (NZE)
organization by 2050 To ensurs 3 cisar strategy and measurahle objectives in Its roadmap toward this

gosl, Bank Isunched the Net Zero Strategy & Clirnate Risk Management project, which Was Initlated in
2023:

The Nat Zero Strategy & Climate Risk Management projact successfully Identiffed six carbon- Intensive
sectors and estabiished intarim decarbonization taraets for each. Asa continuaton of these interim
decarbonizatan targets, Bank launched the. next. phase, namely. the: Net. Zero Operatonalisaton
Programme (NZOP)

Furthermore, the implementation
ot sustamabilty frameworks,
Incuding  dimate-retated —risks
and opportunitles, & managed
by the Sustainability Unit and the
Integrated & Climate Risk Unit
Bank has reported Its 2624 Climate
Risk Management & Scenario
Analysis (CRMS) or Climate Scenario
Analysis (CSA) based on Book 2
of the 2024 Technical Guldelines
for Climate Risk Management &
Scenario Analysis for Banking to the
Financial Services Alithority (09K)
Further detalis'on CSA can be found
In Climate Risk Disclosure Secton

dalattami Peebort |

FT Bank CIMB Mingyu Tak

Sustainability Governance Body poni

at 7MACGS Latala.i.sl

|
me aa

|
meta

IM oovsee Oo Respansilili

BB sapparUcuoratouite Digo of rirertors

IM krotementalian

El sein Unit

Ya moorarasing NS 01 Ie KnolemeraaOan of
"T SamainatiMy unet Climate Melateo Aspeets

HI tepat diatas rat

The Board of Commissioners functions as the
highest governance body, fallowed by the Board ot
Directors, led by the President Director The Board
at Directors holds collective responsibility for
(mplementing sustainability principles, sustainable
Tinance, and ciimate action and mitoation
afforts Spescifically, Director. of Compilance,
Corporate Affairs & Legal serves as the Director
In charge of Sustainability, while Director of Risk
Management serves as the Diractar In charae of

Climate Risk. Regarding sustainability governance,
particularly climate-related risk. Bank through
Risk Management Directarate has established
Integrated & Climate Risk Unit. Oversight of all
sustainability performance coordinat:on, Including
Ciirnate related riskand opportuinitles, Is conducted
by the Board of Commissioners through Audit
Committee and Risk Oversight Comrnittee, in
accordance with the guidelines outlined In the
Committee Charter

HIOA Hinsinesilify moon

126 | FT Bare DM Mlaya The

Discussions on climate-related Issuas have been a key focus in committee meetings at both the Board. of
Director and Bosrd of Comrmissiones levels in 2024, as detalled in the table below,

Sustainability Governance Body Forum on Sustoinobility and Climate Related Risks and
Opportunitles

Maatin Fregvency Key Discussion topic: on Climate Change
Fragvency In One Years

Committee

Board of Risk Oversight — Monchly 9 Updates an Climate Risk Inisintlves and Projects

Commissioners  Committes «Presentation of the results from the pilar Climwte.

lunyad Skenario Ankiyam ICSAL ptogeet winch Was
Subseguentiy subinitted to the Financial Services
Autnenty (21K)

«  Estabishrmmerit and approval af Banks 2074
Rek Appetits, Incorporating sustainstilty and
Olmnate Relnted risk sspeets gualitately,

»  Determinitian And approval of guantitative
matriceg tar sustainatillity ang Tiimate Related
risk appetite

» Regular reporuing- ang: monitoring af Ihe-rsk
ap petite dashbogrd, wnleh Includes guantitatiye

mek pi ae Dean 4 sustainability shg Climate Related risk matncet
Director Layar Menagernern, «Reporting an rak hotepots 2nd arnesehhig (uks,
Sem dh Ineluding sustainability and Cirnate Retutad tak
tasuea
Board or ps needad 2 Update an the CSA metnodology far ihesubenision
Directats Otthe 2025 CAMS results ta OIK
Meetnos
Bosrd of Muaddit pe neected & pateon Ptar IRAKB) ane pretes Or sustalnability
Corrmnissioness  Comrnittes performance Infoemntian, Including toples of rizke
Loves — ani Gppartunities #lated to Climate change, for
Risk oversight — Asneeded & example but Not limited ta'
Committee »  Stopeland2 geenhouse gas (OMG) smusona
«GMC senjaslana reduchon Initintives
Bowdot As needed & 2 Decarbonization target serting far sectore With
Commissaoners Ng cintan intenaty
Mesetiriga “ Shme of finahcing In sectors With nighs
susimnatility rak
Board ot Board at AE needed & « Sustapahis (inanes portfalo, imeluding KKUE,
Di'setors Level Disectars Tri TKBI, andothersustanablefinanceprodiicts/
Meetinga serwcesibtogram

«  Cotporatesocial andi environmental responsibility
performanes In the Dilla of sducarion hesith,
Stonomic erpowermen, and Uhe enviranment

Tiar Pungut peni Ira sibetsmap0 af unta LuiINy ane CEida Belati Wb ane oper Lantai Ore Ob katana aa yua

FT Bank CIMB Mau Tak |

Duties and Responsibilities of the Highest
Governance Body on Sustainability,
Sustainabie Finance, and Climate-Related

Risks and OpportunitieS jar 20201 21 205,27 s1 a10
Inusea Lina, bana Min, LAMA, LL KAL LLA7, LIL Af LACGI Mihta.t, LI-A

Bank nassigned the dutesand responsibilities to support sustainability printpies siistainabie finance, and
implement the Sustainable Finance Action Pian (RAKB) Into the Charters of the Board of Gammissioners,
Board af Directars, Audit Committee, Risk Oversight Committee, and Nomination and Remunerstion
Committee. Furtherrmnore, ciirmate-related risks and opportunities have been Integrated Into the Charter
af the Board of Directors and the Soard of Commissioners. A comprehensive description of the functions
of the Aldit Committee, Risk Oversight Comrnittee and thea Nornination and Remuneration Cammittes in
supporting sustainability implementation 5 available in Appendix Pilar & Governance and Risk.

Duties and Responsibilitles of ihe Sustoinobility Governance

and governance aipscta In the" preparatian of Banks buniness siratagles and
implementation af banasas ser/ities by the #oard af Twertars, ae the toe cf
Board of Commissioners tuglairsbis banding prectises whlcti also takes Into accouht sustsinabilty ad
@lirraate telatasi neka and cppartunitles
Aporeve RAWIS aed mvarutoring 3 #hplementatkat

Ni

| Lenure te herenany af seviroamani (Ineluding Oimate Lhangs), ssongemg total |

MN

ka

Ersure the akgnroant of sustainability srrategy with Slank's onerall ntrategy
Aporove Polis and Procedures tegang santan ability and mumarabie firanae
Review end approwe BAKB and enduro Its Inplernentalida uaon upptowul feorr trus
Board of commsares

4 Corwdvet penoric Iedewa tw sudhute sistainatity ad sustanani: finance
Board of Directors perforincs:

Coneder the harmany af tne snymoninsent (including dimate sangsi sconamit,
social und governanue aspects in Banks business strategies as wet! ds m conurting
business setivales, As Us Implementation Of sustainable banking practices which
Kite takes Into s0c0 urut sing nabvlity arsg ciiryurte telat rak and oppo im bas

(1

TTani

Eriure the molementation af framewotlat pellciei. msethodologis. and proceduret

1 mmitigate sustainebiIry ngk lenvironmental social ancthurmnan ngnts kai

4 Endute the mplomejwatibr
stratagy

3 Bevew sriti Orolas Input an mustairjatilty report.

£ Lesd Bank stratapy for maninging sustainability und Climate Reslitad opoortuniti—

Director df Compliance,
Corporate Affairs, and
Legal as Director In
Charge of Sustainability

If akastalrihbillity metivitisd/nitisthotss adigptis wyitin Banrjk4

1 Lend Banks diirnare rak management xrategy and epaure adeguats aupervisan-by
Director of Risk (his Bose of Derecturs ang Boeerj of Cormmuslanar
Develop krowedge Kundarstanding af dirsate file and efheetyaty Integtate these:

ya

Management as Director
In Charge of Cilmate Risk Haha anto Banke (ntereal cortres 10 safaguarg Bak teslenee agalnat Sinate
change Indacts in secordance with regjulatary regulrerrienta ard best prectices

Land and eribure the dessioprrent of RAKB tin line with te vision dki nlesior
Sooriinate svaluats, and pengdically follow up the implerentatisn.of RAKB

Propose and ensure the sustatnatiie fimancevsion and missar are (gitar rewewed

misa aliyrued settii Blnh's wesinir tara eresskare

12 Dewslop tie Suktainability Poliay, Sustamnble Fefahcs Pslicy arid Hua Righes-
Fallay

4 Develog HAKS und Uubtnit IK to regulator

3 Superyise RAKG (mplementatan

& Map busihusa. segrpants with dhinate-relatad jliks Are alga tng #inanelng
Cistngorisa Ifito tg, merturn, io lan ist

7 Implomentand dvesee the inmileenentatiars of kuttainablity Irstiatress wethiri Bank
intermal erwiranment, including corporate sosial emonslbllity (CSR)

8, Raise Ine awarenese-of sustainanis finance pracbces ang culhure.

3. mordinats tra #nolernertatkan af etratelay far marsang: sustainability and clunat

telatad cppdirtunites

L Dewsloa and Mnpimenta ciimate hek Mandpamaht fara

2. Ihtaprate illhvate rivk Into (re overall Enterpne-Wide Rise Maregernerit PrarravastK
Integrated & Climate Risk Develon methodologiss for dimatescenario analyils (ESA) and/or climate rak ate
Unit terr3 JCAST) 10 ansee5 (Ine impati Of Oimase Mekar) Bank ang ita #nterrelaban WTN
Otfyer visi foleta as crecdt "uk, (rates tith, apesational NI), ds Wp 2 EA camp fl
dnd bewidity conditinra

Additionally, to strengthen synargay and support the Implementation ol sustainability InitiatIves,
Inciuding ciimate-related  risks and opportunities, Bank has Implemented the Integrated
Sustainability Operating Model (ISOMJ) through the appointment of “Sustainability Champions.
This rnodal #ricourages other business Units to #nhance sustainabillty Innovation whhlis Integrating
sustainability culture. values and accountability across all business Ilnes

Bank's capital raguirements are perindically pianned, discussad. and rnanitored by the Board
Of Directors and the Board of Commissionera, supported by-data analysis Management has
Prepared 3 foundation for establishing capital structure policies based an severai factors.
Inludiny stonomic forecasts, blisinesa growth potential, Nak appetite, stress test results, and
Capital ratio targats Through these affarts, CIMB Niaga will be able to survive the sconornic
cyele, capital2e or growth and strategic opportunitles, maximize shareholder returns,
and conduct bisinets within the risk appetite sarridor while compiying with applicable
regulstions Detailed desdipton and disclcsure of Information regarding Cerporata
Governance: homination and remuneration criterja for Board of Ditectors (BoDj and Boerd of
Cornmissioners (BoC), suthOrities of the General Meeting of Shareholders IOMS), duties and
tespansibllitiss of Board of Directars and Board af Cormmmissiopera as Welas Audit Corrrnites
and Nomination and Remunetation Cornmnittee Charter ate prebented in 2024 Annual Report.

which is preparad separately fromntihis report but js compiermantary, |

“

VISION for Sustainable
Finance: Isuna Lir iros secal

Bae na”

P2» mesti Pempoit |
FT Bank CIMB Magis Tiki

Management Review of Sustainability

Performance ori mua LL Lana Lana Ka Mar, Man Kanan Lace Ka,

(nima.ci

Directorof Compliance, Corporate Affairs, and Legal
Is responsible for coordinating the management
of sustmnabllity-ratated nsks and opportunitles
and dimate-related opportunities, as well as
implementing and evsluating the Sustainable
Finance Action Plan (RAKB), including receiving
and reviewing reports on the Sustainable Blsiness
Activity Category (KKUBj portfolio portfolio
teports based On the Green Social Sustainability
Impact Prodiicts & Services (CSSIPS) framewark,
and fsk managernent reporis categorizad under
the Indonesia Green Taxonomy (THII and the
Indonesian Sustainable Finance Taxonorny (TKBI),

Banks sustairiability performance repotts are
submitted periodically, at Isast twice 3 year, tothe
Board of Directors, Audit Committee, and Board of
Commissioners, These reports Include monitoring
progress toward annual sustainability taroets,

realization of strateglas and RAKB: sustainabls
finance risks, and various sustainability Initiatives
Implamented by Bank Additionally, periodic
reports ori the Identification of sustainability
risks and opporunities In Banks financing
portfalio and sustainability recommendations for
debtors are piresanted to the Risk Managernerit
Comrnittee and the Risk Oversight Cornrnittea
Furtfiermore, the: Director in charge of Climate
Risk, held by the Director of Risk Management
throuoh: the Integrated 4 Climate Risk Unit,
reports on the implementation of the climate-
related sk framework, including the results of
the ciimats scenario analysis which, hiohlights
the Impact of transition risks arid physical risks
on Banks portfolio, Transition nak relates to
the fallire to respond to. emarging policies
ar regulationg technological advancementa
and market shifts aimed at addressing climata

129

130

FT Bana Date la

change through a low-carbon econorny transition,
Meanwhile, physical risk refers to the damapa
caused by ciimate change-induced disasters A
more detallad explanation of reporting areas and
discussions on sustainability and ciimate-related
tisks and apportunities at the Board af Directors
and Board of Commissioners ievels can be found
In the Sustainability Governance Body Forum on
Climata-related Risks and Opportunitias Table

The RAKB implementation rewew is conducted
periodically, with results presentad to the Board
of Directors and Board of Commissioners Board
of Commissioners. ttirough Audit Comrnittee,
rewews the RAKB results submutted by the Board
of Director while Board of
through # Oversight Committee, reviews the
Identification of high-risk. sustainability sectors,
nsks, human rights risks,
and ciimats change aspacts. Including physical
and transition rsks: This evaluatlon process
ensures that Board of Directors and Board of
Commissioners direct the

Commissioners,

sustainable finance

implementation of

sustainability strategies, the growth of the KKUB
portfolio, and financial apportunitiss and sk
mitigation @ffectively.. Bank has conducted 2
rewew af the 2024. RAKB realization, with results
Indicating no significant Issues reauiring special
reporting to ihe Soard of Commissioners The
Sustainability performance report, RAKB, and its
realgation are approyed by Board of Directors and
Board of Commissioners before submmission to OJK

The rewew conducted by Board of Directors
and Board af Commissioners is part of their
responsibility to ensure that the Implementation
of sustainability strategies the growth of the KKUB
portfolio, portfolio reporung based on the Green
Social Sustainability Impact Products & Services
(OSSIPS) framework, and the managamant of
sustainable finance risks, including sks and
opportunities related tociimate change, are carned
Out optirnaliy. The review of BAKB Impismentatlon
confirrns that achievernents align with the annual
plan

TO #irnlaitemilify Rapoit
FT Bank DIMB Naga Tak.

SUSTAINABILITY RISK AND
OPPORTUNITIES APPROACH
FRAMEWORK sx:

1 Sustainability Policy

3 Integration of Sustainability Aspecis In Bank"s Policy
Company Charter Operational Risk. Corporate Social
« Company Policy Manual » Whistlubiowiny Potey Responsibility (CSR)
» Board of Commissionera « Brit-Iraud Policy Corporsis Social
“ Boord of Directots - Anti-Eiribery and Ceeruptian Awspaiwiltillity (CSR)
» Mudik Cornnnittee Policy Poticy
» Nominaton and - Anti-Bibery Minageetent
Remuneratian Gestern Policy
Committee » Anti-Money Launderng,
« Risk Oversioht Counter Terrorlam Financing,
Teemrnittas and Preverwor if Prollferatior
&f Wespors af Mass Delstruction
Policy (AML, CTF. and PPPWMD)
- Risk and Credit Management
» Commercial Gedit Poligy
Strategic Procurement: Human Resources Finance
& Admin Property : Company Cada of Ethies and Smart Spending Policy
Management Code of Canduet
- Gooda arvd Series - Ngeniratian of Metnbers ut tie
Procurement Dolicyand Boked of Corndasonara Band
Procadu Of Directoes, arid Independent
» Garban Emhlsslon Mernbers of the Board
Inventory and Committees Polity
Mernadaloay Procedure
« Trurd-£iarty Sisik
Managemen Policy and
Prosediures

LA 3)

ba Sustainability Scope

Business Solutions Non-individual Financing.
" Bank sibsidiarms. Corporate banking seger.
» Corporate SaKlal Responsibiiry (CSR) program partnerar « Cormmercial banking
beneflciany tagrrarat
» Supphers verelora rrese harita-and culsourting partners
» Business partner
» Mernbars af ihe Board. of Comrressionets. Sharit Supervsiory
Bonrg, Board ot Dirsttora andi Iidependent yernbars cf Barik's
Board af Commeshanera Committee
» Nor-inddual Financing Customieri

Kamper

132 | maa oanbia nia

ENVIRONMENTAL AND SOCIAL RISK
A P P ROAC H IBUBAA K5 ML KALA AR, LAUT, MALANG) LIA LIL

Bank acknowledges and uhderstands the importance of varidus environmental.
social. and economic risks that negatively Impact multiple aspects, Including
but not (mited to dimata change (ptwsical and transition risk): #nvironmerital
Heoradation, biddlversity Ioes, dofotestation, land-use change, and ssUles retated
to water, matina- scogystemas air @uality, human (rights, Jecal commumities/
Indigencus peoples and labor Additionally, debtar activities through Sank's
financing portfolio may also coritributa to these negatlVe Impacta Bank
corisistently mitigates fisks through Sustainability Due Diligence ISDD) arid
encpurages best sustajnabilky practices through the Sector Culdelines. This
approach ensuras that both Bank and Its debtors Continuolsiy cantribute
pasitively to environmental and social weli-being

Key Environmental and Social Considerations

for Risk ASSESSMENT k0xs11 e21100012015, s0w1, 2014, s01ug sen KL,
PARA BAN LING LAI 2 3M RR RRI AA LAI

Bank recognizes that sustainability risks related
to lssuas such as deforestation, water and marine
atosysterms, land use social Impact, labor,
and human tights are of. eritical importance
Tnerefore, evaluations and risk assessments
related to sustainable finance implementation are
conducted repulariy through Sustainability Dus
Diloence (SDD) and/or Enhanced Sustainability
Due Oillgence (ESDO). These assessments also
Incorporate the Use gf Sector Cuidanca, leveragino
comprahensive data and inforrnation to Identify
potential sustainability sks Through Sector
Guldance, Bank encourages debtors to implement
sustainability best practices including but not
lirnited: to comrnitting to 3 carbon emission
reduction plan'in line with the Enhanced Nationally
Datermined Contributton (ENDC).

A complete description and disclosure of
environmental and social risks can ba found In

Annax Pillar 4 and on Bank$ website.

2234 Setlatnmnily Rebort | 133
FT Bank OM Ming Tiki.

Bank's Strategy to Address Environmental Risks

1 Matik hasa karig-taerri cormreiitment tp becarne Net Zero Errisilars orgeeril2atson bay 2050

5 To adiltess camute thange tisks, Bank has davaloped & buliness strategy that Incstpotates cara
Semants outlined. In the Tasiduses tor Climate:ralared Financial Disclosurss TCFD) hamewok
Bank has 3is0 begun #dopting the Intserabonal Financial Reporting Standards ((FAS) Sustalnsbilty
Desdosire (Si) and Tlimate-relatad Digokesse (GT) Wee by tie Irsernatioryal Silstainaksllity Sandards
Board (ISSB), at wet az bipdivaray aspaas In Ime With the Teskforce oh Nature-relared Financial
Disdlosures TNFDI

3: Bptik Isa identiresd:a "Migh Sustamabitty Risk Sector List' by mapping (ndustrhes tmat are perentiany
affected by climate change, Mena Liane Foteatry, Other Land Use, ane Land Use Change
Japan uLuc) This dogurnart. Is bassd ars seluntifla rnsfhods and refers to Internatkindl ktaratune such
2stre intergowenmental Pane! on Climate Change (POC), the Unisd Natiars Framework Lanvention
Oh Timate Chanye (UNFCTTj, and tie Siienoe Based Tangets Mitibtive (SET,

&- Bank hias Impismarited 4 No Daforemation, No Peat, and! Na Expiottatioh INOBE) cotunitment,
partibulary an ine MEOLLLUT sets Tivs cormiritmerit Includes rerjuknir)p resa tanu davelaprnerat te
tetlaw the High Conservation Value (MCVJ approsth, prohiblting land canverian W NOV-designated
asas, bantilng the use af tipe toe land cleari/g (amro buming and remniciing sctivitas that May
negatively Iwaci Werld heritage sites arit other oritektewardas Inutuda, but are net Iirniteri ta
sites, resources, habitats, or landscapes of plobai, matianal. or Iceal community akgnificance, as veall aa
natjonaliy und intsrnatlonally designated orotestad areas, including pestiandi consetuntion anids brd
Parrisar wettand sita ||

&  Trrough Ur Prolisan Ust. Bank has commnitted nari Finance aj thermal coal mining and coakrwed
power plant /CFPPJ exparsan Or yreenf elit peojerts as wet aa Mountain Top Removal (MTR) mining
method bj new'oll feica

& Bank has set inverim decerbonizabon target for akx sectors to be achjeved by 2030. Furihes details on
these targets ato avaltabis In the Sectotal Interim Dewarborkzatian Targaets and Achleemerits Section.

T- To mekt thes intesm detarbonizatan Cormmitments Bank WIL Impierent tra Nat Zero
Gpernbonalisatan Prograrr me (NZOP)| and bean Pras greserjhonus gas Ita) mission Intenasty
af tinanced sectorsan a ey muntulhability cedsideratian,

“ va un Ia altar Gklemoa Ah Co HO MA OA and sricouraga Its dektars, parUcularty
1hoee mn erwironmentally and socially serinitike sectord 10: best sumtainability practices meludIng
bUL pot limited to the principlks sat by Ine Maring Srewudstip Touncii and the Alllance for Water
Seat ash Ip

8. Barik fres dayelopad sevajal key docuyents relatad ts anergy sd CNG embslon& Inglusting!
a..Net Zero GNG Emissiona Opesatiana Polity
t  Gisen Office Poflay, whileh promates resrionsible ahergy censlirmptian ini Hanks operation,

&. Carbon Emilislora Invevitury & Methodotogy Procudute sovering Siene Y and 2OND efrilsulone td
@. Tesinkal Guidejirves for Szope 3 GHG Ernissiong Calculation.

10: Bank hat identifjed 15 sources ot Scope 3 ONG-emissions ang messure 7 of those based on the
Greenhouse Cas (CMC) Protocol

TI Bank nas purcnased carban unt from tine Indonesia Carbon Exchange IOXCarbon) and Renewabie
Energy Tertilichtes RECI) from PEN (0 rnitigate dala ancbeiated With errkaniara froen | Bariks
Operator

PE Bri arus tina, Its pperatlonkl setivitas co na di disupt ar negatisely Impset blod veruty,
#peluding rare arid protectesi flora and fauna, 2 ciamified by the Internanemal nian for Carsarabon
af Nature and Natural Peseurcas (UON)

Bank's Strategy to Address Social £& Human tisks

1 Bank has already sdoptea 2 Human Rignts Poliny and has pitegrated tinese sagal rak aspenta into the
Susainabilty Ou Diligence (SDO)

P3 auany tj beginian ru) Pitdctices Tiar the NDPE comimitment, apecifically No
Deforestatian, andi has Incorpotated tiern Into the SDD When canduciing & sustalnsbity study.
Aditinnaliy, banks rerulte clierten particulhr sectors to piractic& Free Prior Informed Coreent (PIC)

Intniek social approach

3. Mrougn Banks Exclusion List Bank I commined 10 prohibinng. Mnancing for debtore directty
Or Inidireotiy Invohsed in activities related 20 human Nghts Molatioes and labor lawe It ako prohlbits
Tnwneirg-aetiWbias that Pine a megathe Impacton UNESCD Work Nertage Sma such as dernaging
sites, resources, hahitata of landscapes with globator nattanal significance.arthose important totocal
cormunitissindigenous peoples ax identifled by ttreit Involvesnerit Tini Jndludes but in nof Iritasi to
sultutn heritage sitet pattanal aruyioe Intathatlonal protested areas) Welusiing pestlard conservabar
arsat and Wetland areas uncer Ramisar sites

4. Tnrough The Sector Gulance, dank yemeres cilenta to trave polisles/tomrmntmants related tO human
rights indsiding but not limited to grlevanes tpeckanisns and Orciipatonal Hesti ane Safety (OHS)
bobeles, and tespect fot human ngfits arisemlas alkphsd with the jilllars afthne United Matana Guledirg
Principles JUNGPI on Business and Human Alghes

&- Trrough ore at trs Sustmainalslity Pile apecifcslly the Corpneata Social Ressonslblity (CSR) Pillas,

Bprik ebdaswrs to always make 8 positive contilbutitin 29 The sutroundir comrainiky tnrolagh Ita
four CSR plllarz

Sustalnability
Due Diligence
Process Views
Risks from Two
Perspectives

97

Te environmental and social paka arising
frorys financial setivibes Tinis mdlude specifie
project-talated raks and related landacane
Irnpacti, sad assasomesit ofthe-dlents
mustainaksity cormmutmenta, palidies,
performance, track record. reputatian.

The erutonmental and socla) Maks (nat derita
UrNd tiysir operatiaris are pased to, suth

as the Nature of its activitisi goographical
Iecatian supp3y chain, arvd taw materi
ptoduetian mpactt among dtnert A hny
aspect of oonsitiwation Includes dlimate—
#elateti pihyascal and Iransitiors riskes mr
mieigatian,

TOY Hinlatiliny Hmpoit |
FT Bank CIMB May Tak 135

Approach to Sustainability and Climate Related
Risks and Opportunities Using the IFRS SI and S2

FFAMEWOTK «1 20121150561 K5, K2 Lx Laka, Lena, Lea, Lema tacen ML

17. al-vh2
6, ati-v), 6

1 The gtructurs, dities and eaponstbllites on, sumainability and £linate-relatag nik and opportuntiss are
buttined In Pilar 4 Goverriance and Risit undes the section on tika Sustainability Governalse Body aisd hate
been Intagtated into the Charter of Board of Directors and Roard ot Commissioniera.

2 The sefilasernents and pile for Oeyelaging #kilis and coretan lee Ir rrideevagg reg susulnability art clitresta—
talated risk and opportunitiet hrs detallad in Pillar 5 Acvosaey and Stakeholder Engagemeht.

&. The Sustalndhillty Goyemance Hady retafves regular updates On sumainabiy and dirnate-retated paks-and:
Opportunitles tiwough validus mecunga Including but not iimited tv Boand of Ditectots mesatingg, Bokd
Ot Cormmissionejr Meeting, RK. Oversight Camimitrse Meetinga, Audit Committee Meetings, and Rak
Marsegsrnent Committee Maktinga Flat?yet detalis or tnsss rmektings ane ttvesr pepondls cat bus foured (hi Un
Sustainability Ciowernanee Body Ferurn ori Sustilnability and Climate Chinge Retatad Risks and Opportuhitlas
Tabie

6. Sustainability Unit collaborates with businsas units to manage sustainability-nelatdd rak and opoorunities
Moreoyer, Sustainability Ung sisa collaborates wirn Integrarad & Climate Rak Lin 10 imptementsustainabillty
Governance: Incduding mahaging dimate change neks ana appartunitket, sedot Irgp Eat tllrrinte risk etrategay
and menagemajit are sffeotivaly executet and rnitigated.A more detalled expisnation af the synergy between
(he suntalnability unik Integrated A oirpata (isk uriit, ane busi upilts ir rranagjing ##mnate-talited re and
@pportunilties can be fbund In Suttainabllity Due Dilgance- Mecharilam Section And Climate Risk Disciaturs
Sektson - Sirategy & Action Plan rejated to Climate Chanye-

5. Bank has eytabslishod varivus Policies related to sustainability and ckmate-relatad rak, including but not
lirnited to the Sustamabilky Pobiy, Sustamabie Finance Palley, ani the Net Zero GMG Emidekons Operatlars
Pokey

&. TR mihimnike-1he potantia imp3cts af sistainebility arc Cilmate Related rlsks, Sustainkisility Dus Dibganga
BODI conducted tr financing peoposala meluding-al majartransaetigna ter corporate kaniong Eilenta Any.
#stainisbility oe ciimiate change related ksues IdentiNed thuough SDD are reported to this Boar of Directors
Meeting, Board af Commissoners Meeting: and/or other relevan forums for furtier risk and oppartunity
Aasesernarit

7. Congideriniy the hsks and apportinittes rekatad to sustainability And ciimate change the Bank hdsan intehirm
desarnongaticn tarpets 10 achiese & net Isa GMO organgation by 2050. The highest Gavemnante Body
Oyorsees the monitoring nd allyarneni af the Net Zero Biwlssion (NZEI strategy.

B. In additian 10 amployaes al) member ot Banks Board of Oksesors ale Wave sustainability performance
Kalu, whlah accerurat tot SR af heij total KPI Tim schinyernant af these sustalnAbility pertotmuance targeta
dirsctiy Influshces the bonus emuneratibn granted to sath Bebrd of Dirsctsrs member The sustainsbdlty
Ppetfarmurnes metries Musluce suutainatillt/ arya clirrate-relatee eluks are pportuities

BD. As provibusly explained, in addltion to managing dustainabilty-cetatad reks and hhbortursitiet Susisinobility
Governance Boty Biso oversses Climate Related (isks und opportunyies Te Board of Gommissioners &
esponginle fos the: oveteighwt function, while the Fioardd 04 Tirectors pahciag (re implementetiar furetiar
Te auppart implementation, designated business urits have been designed to carry dut Bank3 operational
actiibes

YO AS part of the Impblernestatlah procetir for these -policies, the Sumainebility Unit caiiat out cook
trrough various. menureg, Inetudilng but not Imuted to the-analyes of SustainabAty Dus Oligence (SDO)

Implemuntatian and perlocle Lpelates 89 re Rise Control Satf-Assesanseht RCSAL 4

YODA Bineainatiiiiy Aesori
136 | PT Bara DME Naya Tbe

Strategy Pillor

| Daseden rnatsi lal topic developed In collaberattan With CIMB Grogp and Ika stakaholoesu tie Bark puas ideritifimet
Bematerid! topik related 1 susiniriabdity (eka and poportunities, as Dullinesiin the 13 Materai Toples including (n)
Sustameble and Asponsible Finanzs. fo) Cynersecutity and Data Pekasy, and (c) Rtuk tanagernent and Business
Dasilenca win re financial impact sesassrnant pondustei yet! Flirther detats On psforrangatargetk state
and Doul anak 2ehuwementa control end politias, as wet ak governance relitad to (resa sustamabitty lapis
Gan ba found in tive Managernant Aoproach to Material Topic action,

2 The eetabiiihrnent Ofinterir dacarbantzatian Targat 2050 har cansidered yanous trade-ofteto ensure that businogs
@onth can suppart Indonesa sgonsenic growth and“ aljaned With the Banks dirnata arnbitione The Bank
Strateny and schinementi an sid tergesa are Funteramplained In the Sewtoral Intatin Degarbemination Targitse
and Achleemnenta Sectidt.

Al Cllrnits charge can have 4 sanificaru Ireoact on Banks (nanclal resillerce and eputatan. In remkagiryy eileyatas
related uks, Bar sscettma the |mpazta adan frorn transsson Haks such as tegillatany and techhalogital thanges
Atfeeting Il financing portolia, and pihyslesi (laka set as looda nd forest fihms-

&. Howeses, ciimate change nat only pessenita Maka and uncertnintisa but aMO brings opportunitles to faciltate the
Pecessary traptittan for cumtorners Harik cohtinuss 1D enhanes It cmpaksilitlets Ir Ickeritifryg arit mn igat brg the
Dejatitb Imp3cts and risks assocjated with clmate change while alta jeveraging OpportunAiss to drive posite
Gtrange toward cikmata mitigabon and adaptaton,

5. Banik continuss ta preenote Finansial Ilteracy edusataon, Indludima cimata actian, and har allocated @edicataa
buuger fund: to finance sustainable acunities. Indloding Ciimate change adaptanon and Pnltigasioh, throvuh
Susinabillty-lanked Loan/Finaneing (SELF) and Hustainabls Finance (SF) programs 25 wes ak the devaloprnarit
Of varioya sustainable financal producta. Dotated Information Ox sustainable financing products can be found
In Pilar 2 Sustainabie Butinsss Banks bumhesi strategy is alan developed In alignment with and considers
4Ustalrsatility and cilorate-helatect (ni traragerrerut dkratagi kes, me dutlire iri tivast sectisar

& M2024 the Danh recorded hat 30W ot uks Banks totkl financing has the hoterstisi to have high suurainabilky faks.
On the ather hand. the Blank has suceseded In taking oppar tunitiss related to sumtaiwolity and dinate change
ty tecarding a KMLIB Tirameial partfolio-ot IDR 2 sellllde ar seutvuleri to 228 af Se BarikY total financing

7. Ak part af Is #forts to mohage cilmate-rointed risk this year Gank han dlso #nhiancedi Its capalilitkes byimpreving
Internal ptocesass and develaping methodologies far th dentficition, asssinmantand measurement ofelimiate-
Folate reka that colld impact Baris porttalla, The idantifisation and rnanagemnort Of cilmata related riska rnust
be conducted holistically across masonabte sconarior and Varicus timaframies incfuding short, reedium, sndlong
Katon Kurt dataila can be found an Uhe Cllinata Risk Daclosure Section - Oenata Biik Identifcatit.

8. Bank has dovolapod irvtiatives and orograrne to mmtigate sustainability and climato:related risksat the operanonal
love to achiewa its mat geri GHO #entnsiona targat Or N2E 2050 sommnitrtemit, ak Outlined in the NZOP. Barik hias
tradu sfforts te develop vathils sustainable financial penducts tb ensure that credit Growth alkpns watt Bank
Interim- decarboniration targeta. Adetitionaily. Bank has outlined targete atrategiea, and poficias tetmted to mteriad
aris ju ya aim are detaked in the following section

ktitetirn Sectoral Decarboniration Target and Arhleverrisnts
Manogernerit Approsch to Matesiai Topic

Pilar 1 Sustainshillty Acbons - We und Creen Ofie Sector
Pilar 2 Suctainahie Business

Pilar 4 Cewenange and Risk

Clirnata Disk Olmbosurg Section

3 Io RAK: Ba pie inetat Ts DU pkai adimlslon: ok lingta-aganasio mnaeik IGSA) In Tha: Pinang: Sorvone
Altisority (OIK), fostuppoet tis, Barik desadapad messunsenant models and rmathodologies (Gassass the imp3ct.of
@irnate tetatad riikaran Bank, Indilanenant wet the 2028 Cilmata Rink Management and Semnaro Analysis (CRMS)
Technical Oukdante isswed by OJK The CSA (mplemmentation focusati on 2sassing the jmpaet of transition riska on
credit tuk within #riorlty sector pertfalian, ndopitirng thtse climune teenanet: Nat Zeo 2056, Deloyed Tenmaition, and
Curterit Palices with bot shdrt-terrn (year) and kang-tarmn (until 2050) assessment horisoni: Auditor, Eank
also mesensod the impoct of pPmtical rise. apecifically Iroeni tua typiss of cilmase-roiated disestere Noodu and forest
few,

W In adeion to the gumntithtve aridlyat Of credit ruk lepucta, Baris CSA Also Indudes guutitathe urai Of
(market Fik aa we ita gudlitatwe ahalyss df operational ar Negsdity Feksi. Destulled dapkanutibns of this CSA phocesa
Ane methadelagy can tas fouine iri the Cllrrsatar Sink Deslomure — Clkrnate Stursarka Anatyais ICA) setor.

TOY Hisalaitsslify mpoit

FT Bank CIMB Miagu Tik.

Risk Managemani Pillar

IFRS SI - YWU. alih
IFRS 52 - 25. ali-vil, 25. b, 25. €

1. Bank has established policies to Identity, assess, prioritlze, and monitor sustainability and
Climate Related risks, Incfuding the Sustainable Palicy, Sustainable Firarice Policy, the High
Sustainability Risk Sector List, and Sectot Guldance. For additlonal policies, please referto the
Sustainability Risk Approachi Framework Section,

2. m2024 Bank participated for thefirst time In the Financial Services Althority (OJK) pilot prajeet
fot conducting Climate Scenario Analysis (CSA) toasiess tha Impacts of trahsition and physical
(isks under varidus climats scenarios, az outlined in the 03K Climate Risk Mansgement and
Scenatin Analysis (CRMS) 2024 Technical Guldance. Far more inforrnation, rafer to the Climate
Risk Oisclosute Section

3. Climate-related risk is a complex and evolving challenge with poteritial cross-sectaral Impacts
To address this, Bank priortizes anhancing understanding and developing 8 comprehensive
methodology. Alioned with Bank Material Topic Priorities, climata change risk has been
Identifiad as 3 high-priority Issue that #egUires special attention. As part af Its approach, Bank
Has conducted an evaluation to analyze how ciirnate-related risk Infibehces other tisk types
(reter to Climate Risk Disclosure Section Types of Risks and Impactsi. This evaluation ensuresa
desp Understanding pf the Intercunnertlon betweeri elitnate risk and other risk factors

& The Sustainabilly Governance Body receives perlodic updates on ciimate risk monitoting
activities. Details of thase meeting: and agandas can be foung in Sustainability Governance
Body Forums an Cilmate Change Risks and Opporturiltles Tatile.

S5. Climate risk mansgement Is camied out In allomment With the Enterprise-Wide Risk
Management (EWRM) framewotk, Including the-astablishment of risk dpbetite and the
Implsmantatipr of cllmate scenario analysis, An explanation of the-risk management process
Gary put by tha Bank Is presented Ih the diagram below. Details ofthetoals and nethodologias
Used to cafry dut the risk management process is presented In In the Sustainability Risk
Management Secuon, |

aw at

137

2. Managing k 3.Monitaring &
Miltgetion keparting

&. Sumungtilliy ane ciimate retited: yk management process & mtegrated Into. EWAM tnrougiy the
Implementation. ot (aj Sustulnability Due Dillgenee (SDIO) for elidata ad priority sector Ih) Impiementation
Ot Sector Gusdanee which cover human right and oecupavanal hasitn and -safery (OMSPorinciples as wedi
4 (9 "limiats semnaria knlyals (CSA) cowsring #ransitissn dr gihydkea! resa. Seutairaakallity 6s |ysedlecstrors gara
Incorporitad into the Risk Appette Statement (RAS) and reparted to the Bodrd of Directors ara relevant
Corntnittees Banks clirnate rek management etrtagy and performance Are trarmparentiy didesad Ir Its
armual Sustainability Regiort.

MASA aenerpemeng

TON Hirnlaitesilify Repoit
PT Dank CIMB Miagi Tik

Metrics £ Targets Piilar

IFRS 51 - 46

IFRS 52 133 5, Jelo,b,d.e)

1 Bank messures Scope 1, Scope 3, and aleetert cataganes within Scope 3 greenhouse yas (CNG) emssipns.
Including Category 15. which Mecounts for serilssians from the financing portfolio This measunement follow
(he Creennouse Gas Protocol A Corporate hacaunting and Reporting Standard PDOSI ana the Global GHG
Accounting and Reporting Standara tar the Financial Industry developad by Ihe Plvtnershipi tor Caibon

.. Acebunting Finandials (PCAF). — |

2 The memuuferment af Scope 1 Scope Z ari) setucted Sonpe 3 GG seriltestptes Iran Uncdung or |keritstd memunarga
by KAP Siddharta Widjaja & Fesiari (KPIMCI Indoriesla).——— '

D Bank-nar conducted CHO emisdan cakulatiors sing The operational corkrol aporoschy Thu aporcach
highights tocus areds where Bani has the graltest control oyar emnisalon redlictiona, allaning win Sanics
awateinability Goalk as well he ragulatery regulfemanta

A Bank tutresilly mesuures #rnesllbns frorri Its operjtkoral aktivis Mtowing forward, Barik are tc enggta rudi (hhe
dedpe and refine the mmethodolbay for CNG emnlasinre caiculatiahe Fukihar detals can be found ih Pilar
Sustunatis Action.

5. Bank setively assesses factors thist inay pose trariition je to Its assets and Tnancing, Ihetutling Roteyibal
paliny changes by the govemment tegarding: reneaabia energy toryete andi Indonesias GMO emussion
teduetlory sarumimenta

&. Bank hie mapped physical Hak siposurs, such as Noods and forest fires, using dataruer the indonesia Dibssrar
Fish inden (RE) The risk assegoment tesulte indicate that:

@) Almest:703 Of Banks property financing portfolib Is concentrated In areas with high Ncod tisk.
5629 Of Bank: noreeerai financing in the agricultune, forestny and fisferies sertoes Ie located In aroma with
#vlgotv Lemeut fire prgk.

7. Bank report the amount of sustsihabte (dancing sligned with Cimate changes ppertuhities as detaied In
Piltar 2 Sustmneble Busa.

8! Hank han ato Jeveloped & framework hid polidies teluted 10 chrmate sningatlan strategles including the
Procurement of hign-gusimy carbon nstruments More cistais can Ge found In Pilar? Sustainable Action

9, Since 207), Bank, has studies andi (enplermantsit The ICP arnework Furtner detalu ara avaiatola ir Pilllas
Sustainable Action In 2024, Bank allocatad Rp438 million free Ita Internal Carbon Pricing (NP) bund. tor
Purehsaitg terekatis orergy certificatesat part of ta cilhmate cHanye #iltikgatiorsatrategy.

10. Bank hi Integrated ciimate-relitad saks and opportunitiss Into the sustilnabifity KPIs af ernployesi and ali
Mmamibert of the Bourd of Divectora. More detalla can be tsund In Filar | Sustainable Action.

TI. Bank messures abanlute yross amissians from its financing parctolo basad wn baret ciassas and high-carbot—-
Intensity sectora. following the UN. Envitonreent Programme Finance Inltiatwe (UNEP FI) Cuidetines for
Climate Target Sernryg for Banks Aciloorally, Bank wesassas (iiahcing seposure witkilh secti sector mnc ansat
ciasa, Induding the percentaga af Meposute wiLhinh the #miszons salculation sedpe The metnodology follow
(ne Giohal CHG Accounting and Reparting Standard tor the Tinancial Industry develaped by the Partnerstip
far Cerbun Accounting Peraneais IPCAF). Purtner details can Ie laurid Ir
@, Pillar3 Sustaimalke Action,
bb Pijar! Suntalmabis Actlan AppandUk

IE Bank Nat sstsbilihed minual Scope Tard Stahe 2 emissions reductiari targists throtyh 2030, as presersted ir
(ne tobowing table:

—€ FF. ...:-5:

139

4 Tinminetiliy Ampori
Bara Dg Nlaya Tbe

Scope IK 2 GHG Emissiong (absolute) IACOS SINI

Pa an tag Ka KAM TA EK Th - PL 3x
1

tomparug:

109 bandine

sat

kehiwvamant On phoceaa Actweing Achiwing IN ornog
ntargataf a tatgetot yet mesilng
Ia Pu (ie target

| —natin Larnt 3 CM evianpa Wii slbkata Uhs #1 batin hate Iin Books ErdriiV Daritaasa

Tin 2024, Bihhk (ntined Its uincarbonization tanguts for dn Pilgh-caston-embslan setor including thermul soal
mihing. power aland gas, palem all German. and rek tete Moteovet Bank has also reraned Ita progress
towara Inten decarbenzation Targeti far the pesition of 2023 Allastumptars scopes, and boundafes and
achteverments related to these turgeta are presented In (hee Sectoral Interim Decarbonizaton Targets and
Aehieements Sacnon

18, The rnetiles and Irethardelogles Ulad to estabilih Bank& target Piave pit tsser Validatec bay Lileri peartias but
are Hibsed or scisntifie literature ahd irtarnntiofat InsutuNOr Furtivar detaiks can be fo in the official
CIMB GtoLp report, Wih can be mecessasi thtouah tes folhniIng Miki.

15 Target achloverterit tevwma v6 conducted anniually and reported (0 the Sukainabiliy Governance Body, as
detalled in Pillar 4 Govemanceand Risk

1G In #c24, Bunk slbeetstully teduted Scope and Scope 2 etnisslord hy 3S, surpasaing tie taryet teduetian af
251 More data can be fbund In Pilar | Sustainable Actiin Seops Tand Saopa 2 Greemhouse G3S mission,
Largats cover saran diode (COn), metiiatsa KOH. end riitnous arie (NO)

IL Ak of 2024, Diarik hias seguked #O00 techholoah basa carbon Uniti from the Indonesia Catban Exchange (MX
Carbon These unnade not cant /Ibute ra Banks GNG senjasion teductian kemniawernents tor 2026 Tne carbon
hit hay Deen veniad by Indoriesis'y MiNisty of Emsronmserit ang Falestry tnhougih Iris Matahal Registry
Syatern for Ciirnate Chsngr Control

IM Sank plans to lse these cittoon unita Ih the Putut 19 acihlawe rier-2ero CNG emisslang, pAPticblay fe

| Unavoidsble enisslent mesuling trderi Banks Operatiorial ethsitisi

mm Merrics und actustyernent.of tustalnability yiaks and Boparturities frorm 18 material topik car be teteryed Ya

Ule Management Apriroach t6 Materai Topics sectice.

Matricz £ Targets Pilkir

——————b4-—#

|

|

20) Santai apoit | 141
FT Bank DIMB Mingjis Tik.

bank Approseh and Strategy in Addressing
Climate Change Challenges and Opportunities

Invsna Lea.r)

Widespread financial impact: (market lo1ses, credit tightening) feed
back into the economy

DIKECT TRAMIMILUON

Physical Risks

» Ekirerne dirinte
rhange

» firadumi cimmata

Wet

Now rwentrrarnt
Transition Risk and deselpenarit Dettunseitrorniparty
- Climate polley needa mofita
Technotegy
“cheat Incraasa in lwsuti
prelereriwe Aing commudky au —
| and snergy prices

The worsening economic situallon (decreasing demandi has an impoct
gn financial conditions

A comprehansive explanation of the dafinition and aspects of

cilmate-related risk can ba found In Climate Risk Disclosure
Section - Types of Risks and Impacts Table

Biremginaklitiy Kenari

FORMULATION OF SUSTAINABILITY
POLICIES AND STRATEGIES ox. ovvssn 1.

LP LLG LG

Bank is comrmnitted to daveloping policiss and procedures aligned with its flve sustainsbility pillars, In line
with It5 vision and rnission ori sustainable finance This initatlye supports the Sustainable Development
Goals (SDGs), the global 15!C comrnitment, Indonesia's Enhanced Nationally Determined Contnbution
(ENDC), and 2 jLst transition toward 3 fow-carban ecanorny. These five pillars serve as the foundation for
Bank' sustainability roadmap, which airns to achieve net zero greenholise gas 1CHGC) emissiana (Scape 1, 2,
and 3) by 2050. The roadmap oullines the framework strategies, and Implementation methods to ensure
that climate change, envitonmentai, social, and governance (ESC) risks are effectively rmanaged. These
Tisks encompass both credit and non-credit aspects, Including financing and business relationships.

Sustainability Policy and
Sustainability Procedure

This policy and procedure LGoyEtnS NON
credit activities — covering business
rejatonships with: aj Banks subsidiaries, b)
Partnars-or recipisnts of Corporate Social
Raspohsibility (CSR) programs-c| Suppllers
vendora| merchants and “outsourcing
Partners: dl Business partners: e) Members
of. the: Board of Commissionerz Sharia
Supervisory Board, Board of Directors
and Independant Parties of the Board
af Commissioners Committeec and
Ih Nan-Individual Funding Custarrers
The Sustainsbillty Poll and Procedure
particulariy the List of Prohikited Business
petivitles,” have beeri fully implermented at
YON,

#Tamkowamuyura | 193

Human Rights Policy less are, atu

Tine policy gutlines Bank's commitment to tecognizing all human rahts principles, Which ars
indlVisibis andinalienable-n addition to these principles, Bank supportsanid upholdsthestandards
outlined In the United Nations Global Compact (UNGCI, the iriternational-Labour Organization
(LO), and apphicable human riohts taws and regulations. Bank applles an SOD mechanism to
identify social and human rights risks associited With custorners and business relationships
Bank Is committed to prompily tesporiding to and addressing human rights Wolatlons within Its
Operations. Te support this an Independent and professional Whistleblowing system (WBSI is in
place. In cases of human rights violatlons, Bank ensures transparenoy by inforrning stakeholders
about case dasslopments and resolutlons through varidut communicatlan channeis, includino
Its Sustainability Report Aligning with the United Nations Guiding Principles (UNGP) on Business
and Human Rights Bank plans to explore the Hurnan Rights Due Diligence (HRDD) framework.

4

Manufacturing Sector Guidelines tuna aux

Bank reguires manufacturing companiesto meat minimum sustainability tegulrsmarita, Induding
possessing Environmental Documents and prjoritizing Occupational Safety and- Health (OHS)
principles. Debtors are also expected to- uphold: human nghts penciplas Furthermora, Bank
consistantly kencourapes detitors to Implerment best sustainability practices In the manufacturing
sector, Including but not limited to comnikting toa carbon amission reduction:pian In line with
The Erihanced Nationaliy Determinad Conitribution (ENDC)

Net Zero GHG Emissions Operations Policy Iwa Laris, eatlal
Bank hias astablished 2 policy to drive commitment andi olitline strategis for achiaving
het zero CHO ernissions by implementing effective control rneasures, setting measutable
targeta, and fostering continuous improvement.

Ensuring Dato Integrity

keporting

Manttaring

Pa

N

Bank isdedicated tocokeetingi
necurate and cornprehenut
data an dun Scope 1 and
2 #missions. Tris indudesi
(relemeritihg totiket data
colectlan metneda utilibng
rellabis  eeilsian. factor
and ansutrg proper data

cloarly detining. mperting
scope and beundares, and

eneuting  corestent and
Unely caramunication afotir

Ptopraw

Bank engnges tnird-onrty
eturance oo ptoyklers oo Wi
Indoperdentiy verify the
security and completiness
af ita Smesiora teports This

Independent verification
enhances the credibility of
Hana ceta rd bilikas trust

With stakenoidesa

managemen and Internal
rere.

GHG Emissions
Reduction Levers
Hierarchy

Offset

Asa laut manrt, Bank WII bucirets any remalning ungvoidatle
Ernisworis by purchasing carbon credit from vesified offset projecta

Substitute

Bank Is coeimirtad to bansitidning tewards cisanes alternakiyes
whereves feasikie

For unavdidable emissiore Bank Impiernentsatratagles
decnease their Intenfity Or ovetall amcun

Avoid

Bank prloritises-seUvities and piactices that iinimize
Ot alimihate CHG error frorn the butset.

2011 Sisbsitasilu Feboit |

FT Bank CIMB Magi Tik

Internal Corbon Pricing

Bank implernents Internal Carbon Pricing (ICP to ncentivze efficient operations and
actelerate Bank sjourney towards NZE Scupe land 2 by 2030

ICP will be utilized to drive various emissions reductione

Cort Allocation

Sotutiona

Performance

MEBEEEEE Asseriment and

Incentives

The ICP nfluencas Integratiny tive ICP inao cost

(neermeng desa, abocation rmee Hanisens ansuta
dinsetiig resuLrcma toward that the aruronental ripatt
Shesgy #ifidenty upgrade &t different hcnvrnes In factored
tenewable energy sourcing, Into budiyeta arorioting
and other smissbnteducing resparaihia resources aiocstion,

Imitiatwes.

Carbon Instruments

Yoluntary
Carban Credit

Bank recagmiz& that reducing IS bwari
#mismons Ejust one piece of the pugrie,
To adidress pesidusi emissiong lespecialty
resklual hard-ta-abate Scope 1) and
sorkribute 29, brosdat. silmats actan,
Bank xtratagicelly sutilise . Volutary
Tarban Credits (VCCS) as-part ot Banks
Cornpeeheruve Sustondabkity strategy.
Bank$ spprosch 19 VCC are ha folio
Project selettan
Focus on sDCs
Lorimuniy desetopaneng
Transparency und teporting

7...

145

Net Zero Operationalisation Programme to Achieve Climate Action Ambitions

In additian to setting sectoral decarbonization targets, Bank. as part af CIMB Group. Is also impiementing
the Net Zero Operationalisation Programme (NZOP) to Inteprate various aspects of dimata changs and
sustainability Into Its business activities. This programme almns to ensure that Bank'sclimate atctiori targets
and commitmentsare sffectively realised, NZOP isa long-term proyeci that will be carried Dut continuousiy
by multiple work units over several years until 2030, ansuring that Bank's processes, toots and work culture
allan with its 2030 interim decarbormizatlon target.

Tre NZOP framework is currently coordinated by the Sustainability Unit, with oversight provided by the
Sustainability Governance Body, This program will continue over the coming years, invelVing vandus
business and supporting units within the organisation. NZOP consists of five (S| workstrearns, which

Inciude:
1 #onfolio Guldelines Establishi des rules and (Imits attne portfolio level to erdble effective manitormg.

2 Cammercialiration
Sirengthen deciton-malang cepahiliitissat the teansactianal level winlle priortising

T Credit Underwriting commercial Vability and robust risk management

Enabler Workatreams

& Target Operating Model (TOM) Enhunos Internal canabilities Usraugh training, mprove collaboration, and
promote socountability with ciear Incentwes

S$ Data Infrastructure Develop a data syitern to cupport the collection analysis, and monitoting af
Elimate-elared data while ensunng regulatory compiance and addressing
makenckejar resa

NIOP Key Sirategies

Managing high-

emission sectors Lo drive
Secarbenizatian sffons
and mitigate climate-
ceinted riska

FT Baik DIMB Mingyu Tak |

SDD Implementation Mechanism (011 1-101175 3, 3, 10, I218UNSA Lani, 12000, LIL, LEMAN, LLAMN,
IRI IN TALI BAM TEBU LMLL AULIA 229 22K LA

Since 2020, Sustainability Due Diligence (SDD) has beeri fully implemented (1008) in the corporate
banking segment, and sach year, the scops of SDD has been gradually expanded to several sectors in the
commercial banking segment. Additinally, Innovations have been made to the SDD form, transitaning
It toa serni-autornated format This provides several advantages, Including facilitating sustainability risk
analysis minimiang hurnan error, and-improving the accuracy of sustainability nsk assessments.

SDD Implementation Mechanism
|

SDIHs conducted dy completing a series af ayesrpn3 Ina semi-sutornated form covening Environmenyal,

Social Goverriance and Tranapsrency (napseta Inddding human nghti (sucn ds gdevance mecbansrna),

nature-.relatsii rille (defotentatian, bloedwersity), clltrate-rulated rel (phymeal and trersikkan), checks

ayairst the Exslusion List, tne High Sustainability Risk Sectar Lilit, the Sustainability Watchlis, and the
1 Sector Culdaros

SO) tesuits generate sustamability recommbendatiars and may Indude 8 tirne-bound Action Pian
The approved Action Plan Will be dacumunted is the loan agreement and must be fulfillec boy trs
daktorforosoectise debtor The tecormenendatkons and wetiin paldrs (sseed will ba repartadi to The Fak
Marjagemeant Comenittes and tts Risk Oversiaht Committee

Bank WIN Monitor and evaluste' wi issued Aetian Pians perlodicaliy In conjunetkon with the amnual credit
review, The prodessis conducted rs: | or incidertally, depending or the debtose condition. If There
SB han-comp3ance with the Action Fjan, wil taka rnitigation steps foliswing appicable procedures
and tegutatlana

@atharty limit condidering bath credit and guntainhbility napeets Financing decisiona are made based
On ad review af ths finanting proposal conducted ly credit unit.

ca tw else meter Meteran be madeti Lal
latian ang regulreti, declilon V para we Vating,

!
|

( “ ) AN Minancingi declalons are matu by. the Lirrit Moldestradit ar Financing Apnruver basa on the rebevatit
!

2024 2023 20232 1021
Target tor debtar evaluation Cneporste and Coeenmeecial Ranking Corporate Banking
aing SDD with adjiatments
In clmmate change sepecta
tehleverrarit FulHrngiementation Inthecorperste “Full implementation In the Simrt

bankng segment and gradual corporate banking segment Implementaton
implementation in the commercial and gradual implementation

banking segment Ineluding in the commercial banking

#xpanding Ine sector seope) segment

Summary of SDD Results and Sustainability Risk Categorles in the Agriculture, Foresiry,
Other Land Use, and Land-Use Change (AFOLULUC) Sector Iwa ata, cal, Kelik, kanal

AFOLULUC Outside the AFOLULUC sector
tecommendation Sustainability Hiak
Medium High low Madium High
Recommended ” SO, on Uu Pet On
Recommended with Action Plan ox 9x om On 2 Oo
Nut Recommended an kkal on on al om
"EESWA Diss ee TN part Af peemum massak O pena BEYO arab ETIK

Some axarmples ofactlon plans provided include Indonesian Sustainable Palm Ol (ISPO) and/or Roundtabla
on Sustainable Pair Oil (RSPO) certification for palm oli debtors, as well as improving rankings In ths
Corporate Performance Rating Program in Environmental Management (PROPER). These plana also

allan with GHO smission teductlan targets outlinecd in the Paris Agresment and Indonesia's Enhanced
Nationally Determined Contribution (ENOC)

Sustainability Risk Management posiisvia dwi.

Bank employs 4 proactive Enterprise-Wids Risk Management (EWRM) framework to align risk appetita
with business strategy and Gptirmize performance. Governance principles, such as the four-eyes approach,
ensure transparency in the nsk managernent process. Risk management ts embedded Into operation,
culture, and daiy decision-making, supported by 3 three-limes-of-defense model that manager
anvironmental and social risks at all leveis, Inciuding tha Board of Cormmissioners and Board of Directors,
management, and employees. To uphold Sustainable Finance Policy, internal audits and effectiveness
testing.of controls are conducted regularly The table below outlines the tools and methodologies Bank
Lses to rnitigate risks and supoort Its sustainability stratagy

Tool and Assesimani
Level

Types of Ciimate-
related Risks

Explanation

Achisvemenis and
Future Piang

Slstaimalnlity Ask Transitkan Wak and « Barik teporte finahcial sapasuis to Bank Is Incorporsted &
Dashboard Prysical Risk Decisrs cisesiNed as high sustainability sustainability dimmension
bt this portfolio lewat Mak as 9 proxy Indicator tor Baniis Amd its Risk Appette
transition rak vuinerahilky, Statement (RAS)
» Additonaly, the schlevsment of
sustainable finanang, In atcordance
with tne CSELPS framework Isregirted
az pat of the dashboard, providing 8
Compretverisive- Overview of clnate-
related riskg and opportuntiee
Risk Appetxe Statement Transition Risk “ Rank formulates RAS to refiect the « Bank has. considered
(Ras) level ane type Of lks Its wiling sad Sustalnahilty —. aiperts,
able 15 take in pursuit of its business weladirg ciimate
strategy and targets hanya, and Integrated
them, ino iB Ak
» To.analyas and monitor the Impset Aopevte Statement
Of sustainability, Inctuding Climate IMASI
Rekstod risku the RAS Is supportad by» Goeng forward Bak will
(wo guanotanve merrics Sustainability Konfinue to sirengthen
Mic Risk Cases and Credit Expesure- and deeper the analyss
to Catban-Irtensiye Sectora Of ine RAS matrcet,
Including ttroughs
the esrabletrement af
uppe threshnids for
@uantitatve metrics
Climate Scenario Analysis Trarsibon Rskand — Referto Climate Risk Olsclosure Secrion Ref to Cimar Ask
Buttam-up and Lop-down — Prysscal Risk —Tiimate Scenario Analysis (CSA) Desclosiare Section -

assesement in the non:
retail sagrm

Glmate Sesnario Analyss
ICSA)

149

150 |

4 Binmainesilny Ampori

FT Dara Gteg Mlaya Tb

Achievementi and
Future Plang

Tooland Assesiment — Typer of Cilma
Level Pelatec Riska Explanation
Sustainability Dus Trarsilon Riskand « Bank ersura the relevwance Of
Oillaenes Fryscal Wusk elirryate rek assesemenrs (Inctuding
Nan-retadi tustornara/ Physical and transition Maka) through
trarracibari Una Sustenahllity. Due Dihgance (SD)

and alignerunt with Sector Gukdance
The Sector Dukdance outines
muifierum sustainability reguementa
In accondance with best sustainatility
Oracuces fbr the relevant sectots
including but not Ilmited to spplicable
laws, regularjors, and public policie:
A detailed eeplanation of the SDD
methanam can be found in Pilar 4
Gowrnance and Risk

Bank has Implemnented
Sustamatity Due
Diligeres (SDDI which
Intluttes cilmute-telated

riak aspectu
Cusnormnets who
do not meet the
mikir dustalnakility

tegumernents 2
teouved to Implsment
an Action Plan

A detalled saplanaton
at the Action Pjan can
be found In Piliar &
Governance and Risk

Stape 3 Greerihowie Trarsitiar Rakand Refer to Pillit 1 Tustaiyable Astor and
Cas jONG) Emissions Physical Rak Pilar 2 Sustainable Business

Category IS Investmerits

(Financed Portfolio)

jt debtonportfolic tevet

Bank has reported
Stopa 3 OHo
Irrilssiana Category 15 -
Investmments (Financed
Porrtoljaf dung the
Global GHG Accounting
and Reporung Standard
fot tine Financial Industry,
developed by trs
Partnership far Caryan
Aecoumting — Finarciaks
IPcAR

A more comprehensive
disctesure can be found
In. Pilar 1 Sustanatis
Ketlan

TNUTKBNCSSIPS Tool Trarsition Rukand « Bank his estabished criteria for
(atine debtorransacilan — Piyscal Mak kdentitying ciimnate-support irkg assets,
Jawad whidih are used for regular reporting,
Several Of 1nete ariteria Align Witik
Sustanable Business Artivity
Catagories (KKUBI, Indoresia Oieen
Taroramny (TKI, and Indonesia
Sustamabie Financs Tasonory (TKBI).
Additionaly, Bank has developed the
Green. Social, Sustainability Impact
Product and Services IOSSIPS)
frarnework for sustainable financing,
supporting Its strateyy to schlas Nat
Zeto Emission INZEI 2050.

Tne identificston feults
Of Beriks  Iinancing
porttolia based-on KKUB,
THL and TKBI Ndve bean
regulaty reponed 10
the- Financial Setvices
Autnotity (DIK)

Bank Mas also Identifisdi
financing in acoordance
with the. GSSIPS
tramewotk-an an annual
pasa

ETHICAL BUSINESS

TOY Sinlatsmtity empoit
# BI Minggu Tai

Bank has establishad the Code of Ethics and Code of Conduct Polity No..A0701 as a guidellne for all
CIMB Niag3 empioyees to interact professionally and perform their duties With high Integrity. Completa
Information regarding CIMB Niaga's Code oi Ethics and Code of Conduct can be found in the 2024 Annual

Report.

AntiFFAUG kon pon s011 2011 wewa

Bank implements an ant-fraud policy as part
of Its internal contral system to faster a culture
of compliance and enhance risk awareness
reparding potential fraud and Its possible
Impacts. In secordance with Firjancial Services
Authority Regulation (POIK) No. IT? of 2024 on
the Impismentation cf Anti-Fraud Strategies for
Financial Institutions, Bank has established 3
dedicated unit, Anti-Fraud Management (AFM), to
compraherisively Implement anti-fraud strategies

monitoring. Additonally, Bank submits reports
on the Implementation of its anti-frsud strategy
sermi-annually to the Financial Services Authority
(DIK) via the APOLO systern, In compllance Wth
the regulation, To foster a work culture of Integrity
and anti#raud principles, Bank Is committed to 4
zeto-tolerance policy against fraudulent activities,
ensuring that any (mud perpetretor Will face
strict. actions, including criminal prosecution If
necessary.

bo

across Bank Thisstrategy consists offour key plilars:
prevention, detection, investigation, and fraud

Bank upholds itsanti-aud commitment (iwouah varlels Initistlves

& bavelabing Ant-raud pollcies based om POIK No. OSMPOOK.OV2019 concerning Anti-Fraud
Strategjies for. Commercial Banks

€ Sigonina of the Integrity Past Deslaratian, Code Of Ethles arid Codar af Condbct, as welas Anti-
Bribery and Corruption Comtnitment by ali mambarsof the Board of Directors Shatia Supervisory
Board and Board of Commisloneis Ori 22 May.3023, and published ori the CIMB Niao3 website:

@  Attestation-of Integrity Pact, Code of Ethics and Code of Conduct, as well 2s Ant-Bribery and
Corruption Comm|tment bw all smnoployees Via lha VODA piatfarm

&  Tonnes from The Top' comrnit ment, refecting the flim stance of CIMB Niaga's leadership to
take strictaction against any form of fraud, demonstrating Zero Tolerance to Fraud

&  Antifraud awareness campaigns for through 3 speak up' culture, mandatory training. sharing
sessiona eLaafning, and internal. cammunicatons such as #mnail blasts, intefnal bullatina and
postets

@  Antw-frayd: awareness: campaigns for customers through social media (Facebook, Twitter
lestagramj, WhatsApp. SMS, sisctronilt letter, accouni/billlno statement and display sorban
On e-cHannsis (ATM, CDM, CRM Octo Mobile. Cicksj, as well as VR Call Cantar

€ Coliaborativa Anti Fraud Management for NDBI Focus Group Discussion (POD) was conducted
as a result of collaboration besween the Anti-Fraod tanagsment (AFM) tunit, Operational Risk
Manapamant (ORM), NDB, and Consumer Banking, This Initiative servesas afullow-up to Identity
hecessary comeetive setionsto strendihen the culture ofintegrity and compliance wthid branch
operationa, ensuring that fraud Incidants do not -recur

Lam

Based on the evaluation conducted by the Anti-Fraud Management (AFM) unit regarding fraud and
Corruption prevention, there were four fraud cases In 2024, sach With a fraud-related financial loss

axceeding Rp100 mililon per case
Ta ar
| Anti-traud Awareness Training for
mb nasyid

Anti-Fraud Awareness Training through
Mandatory Training

2024 2023 2022

Anti-Bribery and
Corruption Policy :

Bank has adopted the Anti-Bribery and Corruption
Policy Na MIT, which smphasizes that bribary
and cerruption are forms of fraud and apolies to
ali employees, including members of the Board
of Commissioners, Share Supervisory Board, and
Independent Committess. To mitigate potential
fisks of bribery and corruption, Barik Implerments
variGus controls and advisories for external parties,
particulariy third pariles ongaoed in businas with
Bank Bank also conducis risk assessmenis on
bribery and corruption on a monthly and annual
basis: The annual assessment Is carrad out by
sach business unit with assistance frorn the Risk
Control Unit (RCUJ or Designated Compliance and
Risk Officer (DCOROJ, covering tik rdentification,
mitigation measures and the level of bribery and
Corruption rsk In-each unit. This evaluation Is
updated annually

Information Security Awarenesa
Traising

22 2023 202

As a demonstration of Bank's commitment to
Preventing bribery and corruptian Initsoperatlana|
processas, Bank obtained SNI ISO'37001 — Anti-
Bribery Management System (SMAP) certification
for the Sub-Directorats af Strategic Procurement
and Admin Property Management (SPAPM) since
2023.

Grievance MechanisSm ox sawer e1tusa a1tacos an

"7

Bank impiements a Whisileblowno System
(WBS) in accordance with POJK No. 12 of2024 on
the Implementation of Anti-Fraud Strategies for
Financial Institutons and Whi: biowing Policy
No, E08 Bank maintainsa sustainable partnership
with a third party (Deloitte) to ensure that
whistleblowing reports are managed professionally
and Independent. This caliabaration aims to
encourage both internal and external parties
omfartably,

to- submit reports more freely and
without hesitation.

Whistlebiowing
Reports Handling and
Volume pico

Throbah the Whistleblowing system (WBS)
violations that can be reportad include fraud,
money laundering, and: breaches of tha Code
of Ethics or Hurnam Resources policies Each
report received is reviewed and analyzed by tha
Wristleblowing Officer In accordance with the
appicable whistlablowing handling procedures,
as follows
For valkd reports with data!
information, the report will be forwarded
for further Investigavon by the sxarniriation
team. The investigation. results, whether
prover or unpraven, will be submitted to the

sufficient

Wnistlebiowing Oficer, who WII! then, inform
the whistleblower and close the report status
For reports that are irrelevant or outside the
scope of WBS, the Whistleblowing Officer wiil
forward them to the relevant unit for further
action.

Fer invalid reports.or those lacking sufficient
data/informaton, the report will be closed

FT Berik CIMB Ming Tik

If additional Information Is tegukad and the
Wwhistleblower as provided their ident: and

contact details, such as a phone number or email
address, the Whistleblowing Officer from CIMB
Niaga Will directly contact the Whistlablower

However, Ifthe whistleblower remains anonymous.
reguests nformaton will be
made through the third-party service provider
Whistteblowers who provide contact details will
receive Updates On the status of their. report
whicb rnay indicate that the report 5 ciosed as
Invalid. under investigation, or tesolved With either
3 confirmed or Unconfirrned outcome

for additional

153

In 2024, the whistleblowing system received 207 reports, representing a 219i decrease compared to 2023
Compiste information on the Whistleblowma report handling mechanism can be found in the 2024

Annual Report.

Whistleblowing $y rTormance 2024 1023 2022
Pepors that ae not subrrutted far investigation (preclosad) 30 az 38
Reparis that have Deen Investipated jelbeadj E.7 15 z8
Reports tnat are still oper 1 35 28
Reports received 207 263 164
Percentage ot WB reports that have been corngilunaiy nvestigntecd koi En san

Frorn total compisints chat are yalid for invesugaton (as ofthe and of
Decemtier)

156

PT Bata CAME Nlaya Tbe

STAKEHOLDER ENGAGEMENT soxvswices

ta

akeholders

Te identification
are conducted and reviawed td assess
operatidnal activities. and Understand st

expectations regardina CIMB Niaga's sustainabllity
afforte Throughactive, open dialogue and constru
on, Bank tani enhance its environmental

d engagement

cotlabor
social, and governance (ESC) performance, which

not only strengthens economic performance but -aiso

contribu

positively to sociaty and the environment

Identification of Stakeholder Needs and
Approach Irouu- akan 2-74) Irusaa Lini, Lin La facG3 ha,

LA

Approach Taken to Engage Stakeholder iri Sustainable Finance Implementation

Customers

mani Method Fregvancy at
or Channets Approach

tngo
ani

Topic Company Mozponse

1. Enharciny data

Iter sasryi ecutity

L Banking financial transacnon Call ce
dit branch aff
bankirg , web:

social media (Facatu

ard banking trerssetlaha
2: Recelving clstarmer

uct and ser

ghevances/kornpuairtn

Insert

Identifying cust
far

ram, Youtube Manar

edin

likes and &

Banking fac
etrternent of cusik

al regu

Sari

ok and X) sat

mer carmpi

uts

Ummprowenyert sep,

Ih secardance with the Service Level
Armualiy by Bank

rrser satisfactlo

Banldng finanes aducation

Bemerit ISLA)

zurveya and inte
or banking products

survey

Extemulassessmantof Ily by gacn

Drner satistacbon

Inforrnation from website As needed

and frortliners

200 Santang Rebort

FT Bank CIMB Magi Tik

sharehoideri/
Investors

Engagemant Method
and/or Channelr

Fraguency ot
Approoch

Company kerponie

L Financial and non-financial performance «Performance reparts—— Owartay 1. Presenbngtne
update, including sustamatility ssues and «Analyst meetings Companys
performance — —— performance

2 Important setivitlsikeyants for arampia CER Publio exposure - At east orcenyeat 2 Reporting yeat-end
metunties perfarrmance

2 Lseot Compny profita anne in Tenun 1 Implumenting GMS

&, Determinstion af salary er honordrtum, dacsiona
onbaes and other alliwances forthe Bostd General Meeting of Arjeaat once a year
af Commesioners, Bbard af Directora, and Sharaholders (GMS)

Shania Supervisary Buard

&.- Appointment of pubric accounting firms

kagulator

Fragveney of

Approoch Company Responte

Topic Engagement Method and/or Channeis

1. Complkence with lama Subinison of Banks Business Alan TWiceayear 1 Company pare

and regulstont IRBB) and 13 reslgation to the Indonesia and Lachisyementa In
D Theprecsutinnary Firancial Services Authesiry (OK) Kecordance with tr
“principle In berking Aa tawes and regulatione
andservkes Tahap 2 Danke Henindat Orseayear 2: Reporting the detes
(kanventisrial and waria “monce Action lan IRAKE) to G7 Of compllance toward.
& Sugainable Firunos Raparting #hatia, cormpilance 10 the Asper DIK waria primciples
Wationel Snaria Board tegulations
Other meporte In secordande wil
provitians to regulators

Engagement Method and/or Fregvency of
Channets Approach

Company Nesponse

1 Organzauon community Diseussor witn 1 Canducted dunng 1 Providing solutions to
aruviles benefioiaries. true Initiation, Isnas that aris
Z Measuring theimpact 2 1 — Implementatian, 2 Conducring Keld vans
Of activities on the Mesungavith the and supervalon ota to community program
ie Govemmenit, Foundationg, ptogram benaticiarss
& Cemmunity, inetudirg local, OF CDAMITANIS AS CO MMUNNY JT Ad hoc wheniset
comenunttias Indigenous — develaprnent partners an urgenuy arses
people, and vulnetabis tnat needs tobe
Feedback on the sustamatnlity Annually. Retinemeny of sustainability.
(pot lalvad by Bank reports ancarding ts

Jeedbatk received

157

WAH Tirmsinetilify Renon
158 PT Bae CIMB Mlaya Tts

Engogemeni Method Freguency al

Gnd/or Channeis Approach Company Response

1 Mutually berieficial telatlonships Policy disemination arid At least oncea 'Expariding  co0peration. Velti

witii tuppallars suatainability-telited year partreta ir Banks ptocuremurg
2 Fair ind wanspatent proturement KOp3SINY building Of gonds and services
Process for good ami services

3 Sustainable suoply chain practices

Empioyees

Engagement Method and/or | Preguaney at
Chonneis Approach

Topic

Company terponie

1 Employee Health. and Eternal Media (WhatsApp Bias 1 Wnenever 1 OKS mpe mentabon
Satety (OMSI OCTO Budayj truere ka £ Dimserundung empkyment
Z Emplayee Rights Information PAK ang ananaplas
XL Eauhy. dweraity, And Internal media (Galeri News HR natneedato X Application “ot human Mahts In
career development Irta, 8-Mariuak Digital Magazine kecoreyed — #mploymantrelations

opportunitias Partai, LOG, NA ChetiBat,  nompioyess 4. kdertilying empinyee satisfscrions
4 Recultment procers OCto-Chat, Podcast, OTO 3 Wherever and capestations
& Gompany. performance Stteer Saver, Afjung app) paliay 5 kentiying the wpanizahank

updutas Town Kaif Orariges Hasgitts tevel | and davelaping 4
6: A valuabie end enjoyabie oceur Joliowetap- plan that Is #ntegrated

WOrnirp apa leruze with the cisempanya yalus 10 druk
7 Valse and culture of the Intemal  Clstornet Setisfsetlon Anndally continuous Improvement

Bank Survey NCSS)

Organlsation Hanith (ndes (OM

“naa

Unions

engagamani Metnod| —#raguaney ot

Topic Company kerponte

or Channaels Approach

L Company #mptoyse management Maerings and 1 Ary urea 1 Aecornmedating and
politis Uscussiong nesded Identifying propesale ang
Z Emplnyee-telited Ssues that have T m2026 6 Inputs ftam Labor Untang
been corweyad to Labor Uniang as Insetings were TI Comrnunicating In tie event
employee representative Kelerwith Labar ot an industrial petatkana
& Orgatizirg . Company Indisral Unionstodlicuss oo dispute
#elatisra Weroed Mora Kirney 3 Torducting format — andi
& Discuusion of ttie Collectiw Labor (etatlanshiks inforrmal approachas, 8
Agsemerit ICLA welas designing 8 good
SInpat, Iron Labor Umon Cooperation concept between
tnanagement on management and tabir
Mablk involving the Nghts—and Uniona, to foster harmanious
abilyationg uf srnlcyees arc Line Industrial relatioti

OA SisnlatremiM

bat |
Bank CIMB Ming Ti

BUILDING A CULTURE OF
SUSTAINABILITY AND SUSTAINABLE

FINANCE sori

Employee
Professional
Development sore

Wow IUBA Mn Li
Bank conducts tiered leadership training
programsthrovgahthe CIMB Signature Leadership
Program and Compact Digital Leadership
Program. In 2024, Bank devsioped a learning
architectlirs to support sustainabis arewth, This
structure consists of two main pillars Leadership
& Cultura and Business, Credit. and Services

Under thea Leadership & Culture pillar, Bank
Implements the CIMB Signature Program, wnich
focuses on leadership development at ali leveis
through the following programs aj) Leading
Leaders Development Program, b) Emerging
Leaders Development Program, and cj Junior
Leaders Development Program Addittonally,
Bank offers various other prodrams, Includina a)
The Complete Manager Program, which ensures
that managers possess the necessary capabilities
to be effective laadars, b) The Complete Banker:
Program, dasianed for recent graduatas “ind cj HR
Leadership Program, aimed at developing future-
ready leaders.

The Business, Credit, and Services pillar focuses on
developing business and service competencies,
Including Sharia Certification, Wealth Acaderny,
and the development of tha retail and consumer
banking sectors Additlonally. Credit Academy and
the Service Excellence program ars implamented
to ensurs the highest service guality, with a focus
beyond Just sates.

Bank continyes to strengthen Its learning
architectiirs to build futura-ready capatilites
through various technology programs. such

as Compact
Technoivgy Graduates Program, and Digital Data
Upskill & Reskill Learning Pathway Bank also
focuses -on risk and compliance “development
through) the Audit Graduates Program. All these

Digital Leadership Development,

programs are mplemented using innovaliye
approsches Including  immetsion programs,
action. projectss coaching & mentoring, and
biended ciassroom learning.

Tosupport digital transformnation, Bank integrates
learning: media into the ARJUNA application or
HyLearn systerri, enabling 2mployees to easily
access training, from registratlon to certificatlon. In
2024, Bank introduced innovations by Integrating
artificial intelligence (AI) Into virtual reality
(VR) modules This naw Initiative enhances the
learning experience by creating 8 rnore realistic
and personalized |earning environment, whara
participants can (nteract with AI that simulates
real hurnan interactionis

In 2024, Bank added thres new VR learning
modules, bringing the total to 28 modules
and sUb-modules These Include customer

159

160 |

YOAA Tinesinastinty Gmport
FT Bara Catat laga Tbe
complaint handling, aecount opening, fire

amnargency response, tobbery anticipation, taller
service standards cash replenishment machine
Sperations, phoning skills, coaching skills, selling
skilis communication skills, MLD compiaint
handiina, carthguake response, and VR Al) MLD
Product. VR-based learning has been utilired
by more than 46000 participants: through. VA
Cornets and VR devices available Ih 325 branches
across Indonesia. Currantly, Bank cperates 10 VR

Cprners. in Jakarta, Bogor, Bandung, Surabaya,
and Semarang, With plans to expand to other
major citles outside Jakarta. Banks VR learning
Innovation has received. recognition from the
Indonesian World Records Museum (MURI) as the
first bank in Indonesia to Implsment VR Learning
and from the Indonesia Stock Exchange (IDX)
for its Innovation In utilinno VR technolopy as a
leaming method

Sustainability Leadership Program ori. eva

Sustainability Academy

In 2024, Bank established Sustainability Acaderny
with the aim toenhance employee's knowledge,
expertise, and technical skilis in sustainability
Tirougoh Sustainability Acaderny, we olutlmad 3
robust plan In developirni essential skills needed for
all key roles/functions within tne Bank. Approach
taken Includes implementing tailor-rnade traiming
programs by role - to ensure sustainability
Integration Is sufficient towards business-as-
lsual operstions & vancus role/responsibilities.
A key feature of Sustainability Academy: Is the

Introduction of'a structured & trered learning
Journey, proarassing from white to yellow, green,
blue, and concluding with biack "belt" This year,
Bank rolied outthe curriculum for white belt, which
focuses an sustammability-reiated basic knowledge
This has been completed by 7,426 2mployees from
Junior management (assistant manaoer| level and
above. Bank recorded more than 62900 learning
hours, ar an ayerage of 8.80 hours per employee

Coing forward, Bank's strategic plan invotves 3
gradual rollout of this program, cavering the yellow
to black belt This strategy will ensure 2 deliberate
progress towards comprehensive & sustainable
employee capability development.

|. 161

162 |.

ve CE Nlaya Tbe

Sharia Sustainability Initiatives

As part.of Banks cornmitmenit to- sustainability, the Shara Business Unit (SBU) actively supports the
development ofan sconomy based on Sharia principles while also contributing to the achievement af the
Sustainable Development Gosis (SDGs) to Generate broader benefits for sociaty, the anvironment, and
the ecorjorny. The following are some programs and Initlatives Implemented by

SBU in 2024 to support sustainability

Sharia “Sustainability: Week 15.an
Initlatiye zimed at raising employe2
awareness by distributing articles on
sustainability topics via email to all
SBU smployees This Initiative seeks
to. provide Insights and enharce
employee awarehess ol sustainability
ASSURS Each week, varlous
sustainabllity-retated topits, sich as
microplastics, carbon fodtprint, and
waste segregdation, are shared,

Sustainable Living eh
Litestyle Webinar Trareportation Nonthi

The “Sustaineble Living Lifestyle"
webinar Is an initiatve aimed P3 Ea

at promoting the adoption of

sustainable 'ifestyle both at the : aa P3
workoplacs and at home. This lifestyle —
includes actions such as reducing 855
excessye energy  cOnsumption, 5S

lowering carbon emissionc recycling oat. Mn ata 4
Waste, and choosing eco-friendly ae eng 3
products. The Webinar “provides bea mad
Insights and training to employees,

helping then understand the importanos af reducing carbon
emissions and actively participating in various sustainability

initlatVes

Sharia Green
Transportation Month

Sharia Green Transportation Month
Is.a weekly-monitored . Initiative
aimed at asing amployee
awareness of the Importanca of
taducing carbon ernissions This
program encouragas emplbyees
to. minimize the use of motarized
Vehicles.as part of efforts to support
a greener environment

sela 14 Fempoit

Pi ET Bank CIMB Ming Tak

EXTERNAL INITIATIVES AND
ASSOCIATION MEMBERSHIPS ono.

By the end of 2024, Bank has been an active member of15 organizations, with Rp194 mmilllan In total
membership fee contributions Details on Bank's rolas and participation in these associations can be
found In Appandix Pillar 5 Advocacy and Stakeholder Engagement

CIMB Niaga's collaboration with the

Indonesian FinTech Association (AFTECH),
Fintech:

Indonesian Sharia
(AFSI), Indonesian Joint F

Fintech

unding
Lan annaNan SA aRN, the Financial Services
Authority (OJK) ), and Bank Indonesia.

CIMB Niaoa participated in the closing event
of National Fintech Month (BEN) 2024, which
featured a panel discussion ttlad "ntegrating
Innovation. Empowering Digital Growth and
Financial Isalusion through Bank-Fintech
Collaboration" During the discussion, CIMB
Niaga emphasized the (mportance of strategic
pollaboration between the banking sectar
and fintech companies to expand socass to
financial services, partculariy for communitss
not yet reathed by ths formal banking systern,
CIMB Niaga aiso dcussed Initiatlves such
as technadlogy intearatian through BI SNAP
(Standardizsed National Open API for Payments),

whcn enahles secure data sharing and
facilltates access to digital financial products

Additionaly, CIMB Niaga educated the
public on the importance of digital financial
Iteracy whlle leveraoino BPN 2024 as an
opportunity to Introduce innovative solutions
that support digital transformation in the
financial sector. Throuah this Initiative CIMB
Niaga demonstrated Its strong commitment
to fostering Inciusive and sustainable digital
@cenomit Growth:

Source httes Jwaw.combrtiaga.co.idAd/tentang kamUbatitaAsukung bukan

Tuvsntii-tunkiorugI-2T126—jtribe-nluyga-phoerlesaat berakar

163

164

HDAA Binesinatiity Report
FT Bara Cteg laga Tbe

SUSTAINABLE FINANCE ADVOCACY
FOR STAKEHOLDERS Te

CIMB Niaga"s Contributlon as Organizer and Participant in Sustainable Finance

Event Organiter

The Cooler Earth Siretalrsktoity Series 2074 CIMB Niaga

Pubfic Censultatian on the Taxonorny for Sustainsbie Finance 49 Financial Services Autharity (GIK)
Indoresia (TKB)

Cowehing Clinic on the Imnglerrsentatian of the Indonesian Sustafmutile | Financial Services Autnonty (01K)
Finance Taxonomy (TKBI) and In-Depth Interview on Cimate Risk
Management & Scenatip Analysis In Banking

ESG Bankers Club "Nawgating Criange: (PRS S1 S2” JA tnernber of the ESG Bankers Club

CIMB Niaga": Role az Speaker in Sustainable Finance Events

Lvent Organiter

Financial Planning Workenop Untusesitas Tinjah Mada (LIGIM)

Eidtusive Firsside Chat — Sustainability Inmoyatjan: Best Praztices teori Liberty Sociaty

Lesding Kompenies In Indaresta

Focus Group Discussion (FGD) — Underatanding the leswes of Indonesian Banks Associatiari (PERBANAS)
Sustainable Finance in Indonesia and How Should SMES Define ESC

Greenwasning Unmasked Preventing and Detecung the Hiden Bantany Complenze Dwsctor Communications
Bealm of Envrenmental Deception Forum (FKDKP)

Higt-Level Conference & Workenog on Gipening Industnat.and Unmted Nations Conference an Trade and
Financial Paliey for Economic Transformation - Indasiilal and Develoomenit (LINCTAD) and the Ministry of
Anancul Policy Osan Energy Transiton Forelun Atfajes of the Repubtic af Indonesia

Arinual Report Awisrdi 2025 Socialization — The Benefits af Ttanspiatent- Annual Report Awsrd (ARA)
and Informative Annual and Sustainability Reperts and Insights on
Embediding Sustalnsbility In Business Models

uisees | 465

FT Bank CIMB Mlagu Tak

Focus Group Discussion — The Role of the Financsal Sector In Financial Sector Policy ter, Fiscal Policy

Financing Clmare-Aetion in Line wtb the Paris Agreemant Ageney (BKF) of the Ministry of Ananzs,
and Indonesia Research Institute fo
Decarbonization (IRID)

Sustainable Finance Sharing Session Aregianal develonrnerit bank

Pars sesulan of Indoneses Intormational Sustalriatillity Fetures— Indonesian Chamber of Tarrneres Nut Zara

Fostering SME5 Decarbonization tntough Suppiy Chain Finance Htub (KADIN NZMI, WWF Indonesia Foundation.

Satuniora and the Indonesia Sustamabile Finance Initiative
(KBN

LPS SIK Law Falt 2024 - ESC-Based Daputs Resalutlan Through Alternative Dispute Resdlutlon Institutrar fat

Aroltratlon the Financial Services Sector

Teti Tarik Talk — ESC Opportunitles mn Indonesia Maleysla Tinarribsers Jakarta

ESG Wsbinar — Banking Aspects in Advancing tne Achievement ot Banting Compliance Derector Communicationg

Sustainable Development Goals jSOCa) Forum (FKDKP)

SDCS Action Talkshow — Bast Praktices Sustainkbaliny-Linked Loan Natiorssi Devefopenent Planning Agency
IBAPPENASI

Indonesian Banking koad to Net
Tero Emission

The Financial Services Althorliy. (03K) SEENMATIRYAS SENEANANGAN GUKUNG
continue to detmonstrate its “comimitment TAN LENU EMIUDIUN INDONESIA
to.the development of sustainable finance s

mn Indonesa toward achieing the Net dg 3 NT ” “ T
Zero Emissions (NZE) target by. 2060 This M- Pb Na :
commitment was reinforced through the

signing of the NEE support pledge by seyan

banks, Including CIMB Niaga, and thie taunch

of the Climate Risk Managernent & Scenario

Analysis (CRMS) @udelines The. Issuance

ai the CRMS guldallnes air to helg barnks

Tneasure dirnata Impact on businas3 perforrnance and sustainability by standardizing the cllmate
tizsk management framework, defining uniform scenarios and methodulogies and groviding
structured data sources and references CRMS serves as an integrated framework covering
Oernance strategy, tisk management. and dikclosurs to asseas the renillence of banks' business
models and siratsoies in tacing cllmats chanos over the short, medium, and long term.

166

THE
COOLER
EARTH

Sustainability Series

THE COOLER EARTH
SUSTAINABILITY
SERIES ssvr isi

The Cooler Earth (TCE) Sustainability Series 2024.
tepresents an Initiative spearhasded by the Bank
In 2024, reflectina its dedication to sustainability
and social responsibillty, Bullding upon the TCE
Summit. which took pace solely In Jakarta In 2023,
the 2024 series has expandedintoa comprehansive
array of events that engage business leaders,
academic, caemmunites and yolih across 17
prorninent citiesin Indonesia This sepansion aims
to- enhance. the disseminetion of sustainability
Messages and increase awareness The initiatlve
Sncompasses a variety ofacilvibes, including media

Number of

Participants
In TCE Series
@venti in 202:

-

and customer gathering. expos and festiyais, CSP
finandal literacy programs, upcyeling Initiatives
Internal podcasts, conferancas, and networking
opportunities. This year-lang effort seeks to eleyate
awareness and fostar coliaboratye action among
stakeholders to tackla anvironmental Issues
while simultaneousiy advocating for sustainable
busmess pracilees and lifestyles throughout

Indonesia. By the and of 2024, the TCE initiative Is
projected to have engaged over N,000 participants
acress 17 sities through more than 30 distinct
activities

TamkoimaMmayua | 167

TCE Media Gathering Roadshow Reaches
17 Cities Across Indonesia

As part of The Cooler Earth (TCE)
Sustainability Sanes CIMB Niaga
otganized 2 media gathering
roadshow across 17 cities in Indonesia
This Initiative aimed to provide Updates
on Bank while also #mphaszing
the jmiportance of environmental
Conservation fo create 2 sustainable
future together The event served to
strengthan telationships with media
partners While reinforcing Banks
commitment to. sustainability by
mobilizing colisctve action toward
3 more responsible society and 3
more Iivabls planet. Additionalty,
media partnars vera
ancouraged to contribute to
the #CegahStunting Initiative
for Indonesian children, 3
program led by CIMB Niaga In
collaboration with UNICEF. The
media gathering roadshow
angaoed more than 400
Journalists cross 17 cities

168

PT Bara MB Nlaya Tbe

Inspirational Journalism: Journalist Class &
Workshop

Asa continuation of the media gathering roadahow, CIMB Niaga held Inspirational Journalisn: Journalist
Class & Workshop in Gunung £
3 days participants gained Insight, knowledge, and appreciatlon from CIMB Niaga: Additlonally, as part
af Tha Cooler Earth (TCEJ) Susi
n making erwironmentally-friendly containers from

ulis, Bogar, inwting 69 journalists from 17 cities (Including Jakarta), For

ability Series, CIMB Niaga also held an Expenential Learning Ses

Invite journalisi aw-based rnaterial. This

Is in coilaboration with Ecoplast.id
that are more eco-friendiy. Ecoplast.id is one of the h

lal anterprise that offers alternative solutions

ngle-use plastic
B
Niaga through the Community nk #dadiNyata program, The container can later be utilized as 3 pot
for bamboo plants that can be teplanted or Used asa

Es that raceives business assistance from

besutiful display

Ngobrolin Biznis
(NGOBIZ)

CIMB Niaga & committed to supiparting Smail and
Medium Enterprises (SMEs)- In Indonesia through
the “Ngobrolin Bizns" INGOBE) event, which) takes
Places In 15 cities such. as Banjarmasin and Batarn In
2024, NGOBIZ successtully teached more than 2000
customer from 20 events. This ayent offers valuabis
insights Into opportunitjes andi challenges, as weli
“5 strateoies for adapting towards the updates in tax
regulations arid banking solutions — which further designed to help customers in managing their
business finances both effectively and affcientty. Additionally, the event isalso-part of The Cooler
Earth (TCE) Sustainakility Series, which seeks to anhance understanding and assist customers in
teaching their business target Whlla promoting environmental sustainability imto their day-to-day
Operations

PT Bank CIMB Miagu Tak

#SekarangUntukMasaDepan Exhibition, Media
Gathering, and Experiential Learning Jakarta

As partof CIME Nlaga's 69th anniversary celebratlon and the continvation of the TCE Sustainability Summit,
Initisted by CIMB Graup in 2019, Bank hosted 2 sustainability event series from 2 to 4 October 2024, at
Graha CIMB Niaga and Energy Bullding, Jakarta. Heid under the theme "Shaping Tornorrow, Sustainably
Today," the event featured various activities, Inciuding the #SekarangUntukMasaDepan Exhibition, Media
Gathering, and Exoeriential Learning sessions focused on transforrning plastic waste into art pieces while
simUltaneously rasing funds for the #CegahStunting Initatlve in East Nusa Tenggara, in collaboration with
the United Nations Children's Emergency Fund (UNICEF). At the #SekarangUntukMasaDepan Exhibition,
visitors had the opportunity to-explore CIMB Niag3's sustainability achievements and participste ina
gadget suction by exchanging electronic waste. Additlonally, attendees could purchase various sustainabla
products from multiple merchants. including KAMI, Jarit Tenun, Six Scents, and Winners of the Community
Link program such as Dit Revsilie, Arthup, and Sinergi Mahakarya, as well as visw a special showcase by
designer Ivan Ounawan

Through this event, Bank hosted ingpirational
discussion sessions highiighting. practical steps to
promote 3 sustainable lifestyle, The svent weicomed
95 locsi media reprasentatives and featured
Andien Aisyah, 8 singer and sustainable living
advocate Serving as.3 platform for education and
Coltaboraton, the 2vent sngaged media, clistorners,
communities, and business partners, with the goal
at inspiring mere people to adopt 3 sustainable
lifestyle consistently.

Aligned with the #SekarangUntukMasaDepan
spirit, Bank also commmitted to respansible
waste management for all event activities
by Imiptementing the Zero Waste to Landfill
method, ensunng Liat no waste was seni to
landtills

169

170 FT Bara Citeg Mlaya Tbe

EPICC PODCAST - KISS (INSPIRATIONAL
STORIES ON SUSTAINABILITY)

EPICC Podcast i
Uhat explores corporate culture In 3 casual format,
featuring relevant and engaging topics In July 2024
Bank hosted an EPICC Podcast episade titled Kisah

one af CIMB Niaga' Initiatives

Inspiratif Seputar Sustoinotbility (KISS), or Inspirational
Stories on Sustsinabliity, focusing on the benefits of
adopting 3 sustainable lifestyle, Sank's commitment
tosustainability pract|ces. and employ
In embracing sustainability, Through this podcast,
Bank aim

€ @xperisnces

to raise awareness and inspire maa

empiloyees to take coricrete actions In support
sustainability By sharing real experisnces and be:
practices, the Initiative reinforces that sustaimability is

not just a trend but a long-term investment for th
anvronment, business, and a better guality of life

FT Bank CtAB Mingyu Tik

KEJAR MIMPI RISING START:
INNOVATION ENTHUSIAST 2021

Kejar Mimp! Rising Start Innovation Enthusiist
2024 Isa business competition program organized
by CIMB Niaga to Identify and develop: young
talents The program provides a
platform for participants to explore, create, and
present their best Ideas across various fields,
Inctuding Sustainability, Digital Banking, and Data
Management. Participants genarated Innovative
Ideas that promote envirorimentally friendly
business practices and concrete actions toward

Innovative

social and sconomic susta(nebility, The program
attracted 1700 registrants and rearhed 32.000
audiences on social media reftecting the strong
Interest of the younger generation in (nneyaton
and CIMB Niaga

As part.of Banks commitment in rakting
awareness and fostering 3 deeper
understanding “of sustainakility In the
banking industry, th program prov
exclusive access for participants to
racerve direct. mentoring from Banks
axperts Additionaly, the program
serves as One of Bank's talent pipelina

Initistves, offerimo selected participants the
opportunity to join The Compiete Banker program

The Complete Banker is Banks management
trainee piroyram dasioned to develop future
leader In the financial industry. In 20246. Bank has
succassfully recruited TI particpants into The
Comnpikte- Banker program, with the top three

participants recelvimo additional recoenition in the
form of cash rewards This initiative reflects Banks
commiment to developing high-guality talent
white also Instilllna awareness of the impartance
of sustainability in the future growth of tha
Tinanoal industry. The preararmn aligns with Banks
commitment In creating a lasting positive Impact
on socisty and tha environment.

TA

172

PT Bara Cg Nlaya Tbe

RESPONSE TO FEEDBACK soxeca.c.

Bank has received feedback from
various stakeholders which has
been a key

/ alement in refining-and
strengthening ur sustainability
initiatives Tnrough feedback

farms, CIMB Niaga continuously

evaluat nd enhances Its strategic

rneasures The Input received serv

as the found for improving

e, covering
operations, products and s |
impact feedback from
the CIMB Niaga 2023 Sustainability

Report. Bank received positlve

onses, affirming that each

material topic
Bankssustaina

sssantial part of
yefforts,

We walcome your fesdback and suggestions,

which can be conveyed through:

Sustainability Unit

E-mall: sustainability@cimbniaga.co.id
Feedback Form: https://investor.cimbniaga.co.id/

sr. Feedback form.htmi

CLIMATE RISK
DISCLOSURE

174 |

YUOA Firmsinetilify Ampar

FT Bata CAB Maya Tbe

CLIMATE CHANGE STRATEGY &

ACTION PLAN

The ciimats changes strategy & managad by
the Sustalnability Unit, which is responsible for
addressing and mandging climate-related risks
and apportunities. This includes impiementing
frameworka, policiss, and strategi2s aloned with
the net zero ernissidn (NZE) targets for key sectors.
The unit 5 supported-and aynergizes with other
business and support unita, includino the Sub-
Directorate of Strategic Procurement & Admin
Property Management (SPAPM), which focuses on
reducing operationalemissionsandenvirori mental
Impacts. This Includes greenhouse gas (GHG)
ernissions from energy and water consimpton
through initiatives such as optirnizing office space
and increasing energy efficiency by installing solar
paneis

Tne Integrated & Climate Risk Unit, under the Dick
Management Directorate, complements net zero
strategies and targat-setting Initatives led by the
Sustainability Unit. As the second line of defense,

Risk
Management

ue by ti riba meaning

ente eemajaan «0
#nsere Gormpiliariceowikh Sar
Las naa

this unit iz responsible fot understanding cllmats-
related risks, assessing CIMB Nlaga's exposure to
these risks arising from financing and investment
activities, and develaping measures to guantify,
manage, and monitor Ihese riske

To address climate change challenges Bank
strengthens Its business strategy by Integrating a
risk-based approach to capitalizs on opportunities
and. manage fisks from the transition toa low-
carbon economy. Thu approach) Is essential to
ensurz (he successful realizatlon of the NZE 205D
target. To support this sustainability Initiatives,
Including ciimate-related actions are integrated
Into governance, risk. management. and business
strateoy, ensuring alignrment with Banks nat zero
cornrnitment. The diagram below illustrates the
key focus areas and the interconnection between
tisk management, net zere strategy, and climata-
related opportunities

kodty thn Firrt Inejbusinesa unit:
Anohathen taaiidirng 1 mpvline ara
kara

testing as wes as amtunng
corn ktatuerulye superukaan

RPM Elia Su KUPMUAT KPNS

Identification of Ciimate-Related Risks

Climate changs Isa key focus area as It Is one of
Bank' priority topicc Recognized as a significant
and pervasive #isk, climate- change can greatly
Impact Bank's ability to create fong-term value
for its stakeholders. To address this, Bank has
anhanced Its gualitative and guantitative srialysis
tosdentify the underlying factors of climate-related
Tisks, understand how these risks are transmitted
through macro and micrmeconomic pathwaya,
and evaluate thelr Impact on Bank's operational
activites asa financial institution.

Transitlon and physical risks associated with
Climate change can Infivence other risk areas
While credit risk remains 8 prirnary focus for
Bank, Bank is also committed to measuring and
monitoring its exposure 10 other risks. Including
market risk, liguidity & funding risk, reputational
Tisk, strategic risk, capital risk, operational risk,
lagal risk. compilance risk, and model risk, ail of
which may escalate due to the impacts of climate
change

2054 Silat Febort |

FT Bank CIMB Magu Tik

By considering relevant regulations, standards,

guldelines, market conditions, and (Internal
Practices, cdlimatae risks and their actual or potential
Impact: on Banks financial and. nor-financial
performance must be Identified, assessed, and
managed holistically across varibus reasonabie
scenarias and time horizohs, as follows:

Long Tara

8!) to three (3) years, capturing climate-relatad financial risks (particularly
: 'higb-impact. low-probability eventsi that may emerge within Banks budgeting
and capital planning period:

Madiun Term
Four (9) to-ten NO) years, assessing the mediurn-termn effects of climate
"change over Banks strateoit planriing harleon.

. Mora than ten (IO) Years axteridind up to at least 30 yesra
accounting for uncertainties and structural impacts of cimate

176 |

YOO4 Binesinertitty Ompon
FT Bata CteB Naya Tbe

Type of Risk and Impact

Climate-fetatad Rlik
Drivers

Type of Risk

Impoct

Trarsitlon Ras

- Policy and tegal
#hanges (carbon
unit pricing, ssctoral
bera)

- Terhnolagicai
changes

» Sisifts in #rarket
sentiryent

Physical Aas
Chronic

Crest Risk

The tepayrant capanty Of custornara, potentially lsading yo default.
The detlinein collateral Value due t6 the abandonmenit af usseta that
are netaligned wan dimate change

Market Risk

Hok volatilty and the poteritlal kuciden checrsase In hevulLisaf seciutitkes
heid by Bank

Liguidity ana
Funding Aise

Reputational Risk

Impact or Barik3 llauidity dus to customer (Rability to repay their
faniliies windrawat of custornes deponts, ar significant -and sudden
tredit dtawdowns resulting from catame cimate ewerits.

Negative rebutational Impact dus to Banks financing af high-carban-
#mnisgan seetors

Adeclina Ip stakenolder confidence In BankA sustainability aorta ane:
Im ability 10 manage its exposure to chirnite rek.

Sirategic Risk

Tie Icss of competitiveness, market skate, and Investor appell due to
Abs (akulity to trarsitien from & high-catban-srnission sector f(hancing
portfolio (brown) to 8 greer financing panfolia.

Capital Rak

Inadeguate capital leveis 20 address: cjimnate-related. tiske, Ootentially
tenang to tie Inabillity to absoeb kossae, malnrair pub trust, and
Support competitive business Grow.

Operational Risk

Operatiotal disruptione cawsed by physical riska, immpacting remenue kasi.
Addisonaty, the emmergence Of new: dimate-related tegulatiora may
neceasitats changes Ini Internal policies and piodedutes to align Witis

tegulatory reguirements

Compliance Risk

Bani Insbilty to compiy with liwa and regulations related to Kimate
Change and sustainable finance.

Modi Risk

Challenges In Banks ability to auantify tie-impaet of ciimate risks
Becurately due to Inherent uncertaintles, Timirattana In cimate nak
Modeling, Asumptons and seenuras Lsad, and (matoper tnodel
mplementavon.

224 Sisalatoiny Pebort |
FT Bank CIMB Miagu Tali

Climate Scenario Analysis (CSA)

Since 2023, to enhance resilience in facing dynamic and Increasing!y intense climate risks, Bank has taken
ateps to Irnprove Intetnai capabilities related to.climate scenario analysis (CSA), consideting the diverse
business and geographica| characteristics:of Bank's portfolio. CSA prirnarily focuses on asseksing the
Impact of transitlon risk on credit risk within key portfollo sectors, such as agriculture, power generation,
Ol and gas, among othees. The CSA process Is davsloped by Inoorperating Internal Input from various
representatives of business units, Credit Risk Unit, and Sustainability Unit. both'in Indonesia and CIMD
Group.

Ttie manifestatlon of transition risk Impacts an the real ecanomic sector yarias In severity and form
Therefore, Barnik has developad a serias of sector-specific and emissions-based models for elght climate-
serisitive sectors These models are Used to assess the sensitivity of these sectors to transition risk impacts.

Tris deterrnination of sectors and model types is based on an assassrrient of cilmata risk mnateriality, which
Considers both the sector's Impact:on the climate (“Inside-out" perspective) and Bank's exposure to the
sector ("outside-in" perspective).

Emisslons-Sorod Approach

The pelmmary drivers os debtors fihancsul
Tector-Specific Approoch nee ih sach sektor are modelast
— jon the detitor's ermilssion hevala Pricitng
AI Itdetermined ana funebiin af Gteenhouse
Gx (GI) eenlawors from Stape |, soope 2.
and downttrearn Scope 3 idriven.by carbon
mci)

Tris approach Is appiled to sector that are -
less carbotinteriie Or lock sufticlent-data/
Intorrriatise to inplementa sector-specific
Aporoseh Menvever, It is eyet sumakala foot

Jala ine porlinaany Eromelcderatkear,

The sectot4 utliksing tnls apptosch Her
1 Agritultate (excluding palm Gil)
2 Ren estate
& Trarspertaron
4. Metahs and mining

5 Marrutactunng/procesaing Industries

17

178 |

YUOA Firmsinetilify Ampar

FT Bata CAB Maya Tbe

CSA Procest Approach Summary
Transition Risk

The CSA proceas begins by selecting several debtors that repreisant different business and tisk profiles for
sach sector Subsegueritly, aildebtors within each sector (including representative debtors) are categotized
based on their business characteristics and risk profiles, which are classified according to archetypes that

allow for ertrapalation In later stages

Tris impact of transiton sk is derived from-projections of the financial-position Of sacti representative
debtor, transrnitted through various key drivers such as valume, price, cast per unit, etc) These prajections
serve is ihe basis for calculating the Probability of Default (PD) for sach representative debtor. The
calculated results are then ektrapolated to other dabtors ctassified under the sarne sector and archetype

CSA - Risk Transition Procesi Approach

neon Dosoter Lewut nat sitak Rumaty paretatta
“ lrre 1 Lergrarah Cetapalatar
(1 Paman Date Kutpemaread us tes
peran Newton
Apgrogare Sam
yr seretmrp Wala Pu aphaaal Batuan Cet tasrag roaada IT stttia
i #mesiun Intenerg wecany
: janda 27 " " sayaja LNG tiens
| sea spoctra Sei , Tag Seraya
#wrarpatanr. area Lana KTT TN
Menahan Perrlid Mn Na -

F Wu at Kay wertya
| Cerme: Matta PEP Gac
Cape edit tata Bete

f3

Panja

1. Selection of NGFS Climate Scenarios

The Network for Greening thea Financial
System INGFS) provides widely recognized
soenarias that serve as Industry benchmarks far
financial Institutons ensuring consistency and
comparability In assessments conducted acros
different financial Organizations. Implementing
NGES scenariosallows for ahanment With common
Industry practices, enharces tansparency, and
Iacilitates better collaboration in addressing
challenges related to CSA at the Industry level, In
this CSA process, Bank has adopted three ciimats

scenarios from NGFS Phase IV, namnely Net Zero
2050. Delayed Transition, and Currant Policies

Risk parameters for both sector-sperific and
sectot-agnostir categories darved from NGFS
scenarios are Integrated and transiated Into the
key transition risk drivers within Banks CSA model
These diiyers are Ihan used to simulate the impact
Ot CSA on the financial performance and pesitlon
Of evaluated debtors uver 3 30-year projection
period

2. Selection and segmentation of companies

To ensure appropriate representatlan of Bank's
portfollo exposure to priority sectorg Bank
Identifias debtors based on sector classification,
axposure levela and data avallability These
sectors are further seymented Into sub-sectors ar
archetypas that teflect similat clirriate risk profiles,

3. Data collection

This CSA process regulres 3 comprtehensive and
divefse set of financial information, Including
Income statements balance sheets, and cash flow
statemenis along with non-finandial data such as
Scope 1,2, and 3 greenhouse gas (OHO) ernissions
or asset-level production data from debtors. Artha
bottarn-up assessment stage, an in-depth analysis
Is conducted on representatle companies
with external data sources and 'proxies used to
supplament internal data

4. Bottom-up analysis of representative debtors
By appiying sector-spercific ot ernissons-based
approadhes the financial performance of sach
tepresentatvs dabtor Is projected based on
the key transition risk drivers for each selected
NGFS scenario, The financial Impact of transiton
pressures under these scenarios Is than used to
project Probability of Default (PD) velues and PD
shiftsfrorn the baseline (noclimate stress scenaria),

salamun Report |
FT Bank CIMB Magi Tak.

as well as climate-adjusted credit ratings lusing
Banks internal credit Modelj at annual intervals
Over 3 30.year period for each NGFS scenario:

5, Extrapolating climate Impact to other
companies with similar profiles

The average PD shift from the bottom-up resiits
Is-consolidated at the sub-sector level and then
@xtrapolated to other debtors with homogenecus
ciirnata risk profiles ciassified withiri the Identified
Sub-sectors. This extrapolation process formns part
of Bank's top-down approach in Its hybrid CSA
methodology, The PD prajections for each debtor
In the portfolio are then used 10 calcutate expected
credit foss (ECL) previsioning.

OJK Climate kisk Management and Scenario Anatysis 2021

In 2024, Bank participatad for tha first tirne in the Financial Services Authority (OJK) pilot project for
conducting climate scenaro analysis (CSA) to assess the Impact Of transition risk and physical risk based
an climate scenarios pullinad in the OJK Ciirnate Risk Management and Scenario Analysis (CRMS) 2024
technical guidance. Bank adopted three climate scenarias from ths Natworis for Greening the Financial
System (NCFS) Phase IV, narnely Net Zero 2050, Delayed Transitian, and Current Policies Bank fulfilled ths
raguirements of this pilat project using Its intemnally developad CSA process

The scope of the CRMS analysis includes (1) Ovantitatlve assessment of climate transition fisk impact on
credit risk andi market risk for OJK priority econornic sectors, (2) Guantitative assessment of physical risk
Impact on the sgricu Iture, forestry, and fisharies sectors, as welas the residential mortgs9e loan seament,
and (3) Ouslitatlvs assessment of ciitnate risk impact on operatlonakrisk and liguldity risk.

Moving forward, Bank will continue to develop methodologies and capabilitlesin preparing for the second
CRMSA 2025 report, where the assessment scope will bs expanded to cover (he entire credit partfolip,
beyond Just priority economic sectors

179

180 | YUOA Firmsinetilify Ampar
FT Bata DM Nlaya The

GUANTITATIVE ASSESSMENT OF
CREDIT AND MARKET RISK

Impact of Climate on Credit Risk
Applied assumptions:
C5A Projection Horizon
The CSA projection horizon spans Up to 30 years
reguiring forward-looking — assumptions — rather |
than relying solely on historical data There are two F
projection time horizons in CSA: short-term (2024. 2025, ps Balance ilon Sheet
2026) and long:term (2030, 2040, 2050). Shart-terrn
projections are based on the baseline position from tin accordance with GIK CRMS
Banks Business Plan (R88) submitted to CIK Whereas technical guidance, different balance
long-tarm @mposure projectioris are derlved fromn actual sheet assumptions are applied For
Credit exposure as of Decerriber.31.2023, aligning with short-term projectians (2024-2026),
static balance sheet assumption dynamic balance sheet assumption is
Used, incorpotating exposure growth
AM ar reported in the-RBB Far long-
term projector (2030-2050), 2 static
SP balance sheet assUmption Isappiled,
Physical Risk
Bank conducts separate assessments for
physical risk, adhering to the assumptions
Gutlined In the CRMS 2024 technical Transition Risk
guidance, The assessment approach varises . In
by tizk type: for Wildfire disasters, a mined Fe0K Ganas: kerna
bottam-Up. and top-down approach Is transiton risk analysis-as
applied. For consumer murtasgs Ibari detalled in the Summary
portfolios, collateral devaluation calculatons Of CSA Process Approach.
are perarmedusing 3 bottom-up approach,
2

alamin Pepott |
FT wak CIMB Midgis Tik

Impact of Wildfire Disasters on PD (PD)
Bank amploys 3 mixed battorn-up and top-down soptoach to assess the Impact of wlidfires on PDA
Wwildfire event is assurned to occur onily once in 2024. The bottorn-up assessment Is conducted for debtors
In tbe agnculture, forestry, and fisheries sectors to Identify the financial impact caused by two primary
factors
a. Increased costs due to revitalizatian f
The caiculation of increased costs fallows
the CRMSA Technical Ouldance ind has
been adjusted based on the proportion
Ot forest area affected by wildfires relative
(0 Indonesia's total prodluctive forest araa
These costs ara allocated to debtors whose
collateral is located in high-risk areas based
on the IRBI wildfire Index.

b. Disruption to business activities
Bank also assurnes that wildfire disasters
Impact business operatlons leading to J
potential deciinas in debtor productivity

and revenue loss due to crop failure. The
crop failure scenano (Crop Vield) & referenced from the NGFS Ciimate Impact Explorer.

Similat to the transition risk methodology, the deterioration of a debtor's financial performance based.on
the bottorn-up results serves-as Input for assessing credit. rating shifts and PD movements These shifts
form the basis for the extrapolation process (top-down approachj, where debtors located in the same or
nearby hiat-risk (AB areas are assurned to experience climata Impacts that similary affect their financial
performance at retatively comparabis levels.

Impact of Wildfire Disasters on LGD

The wildfire ayerit is assurned to occur only once In 2024. Bank calculates the impact of forest fires am
the collateral value of affected debtors, which tnay potehtislY Iricrease the Loss Glven Default (LOD). The
calculatian of collateral value Is based on revitalization costs as guided by OJK. In this calculation, Bank
also appliss an adjustrnerit propurtlonate to the area of forest affected by the fire relative to tha total
productive forest area in Indonesia.

2. Noods

Impact of Flood Disasters on LCD

Bank condlcts 3 hottorn-lp analysis of the impact Of Noods on the Consumer Credit for Property
Ownership pertfollo. A-haircut Is applied to the collateral valus in 2024, following ths ouldalines outlined in
the OJK CRMS Technical Guide Tha reductian in collateral vafue due to food risk is calculated for debtors
hose collateral Is located! in areas with a high flood 'risk index accarding to.iRBI data, Subseguently, the
haircutreduction In collateral valus Is determinad basad.on the category of building size The decrease in
collateral value then results in an Increase'in Loss Oiven Defalilt (LCD).

182 | YAA Binesinetilify Amponi

FT Bata CAB Maya Tbe

Bank's Exposure Distribution to Physical Risks

Floods

Based on collateral locations, approximatsiy 709 of Barnik's exposure in the Consumer Credit for Property
Ownership portfollo is concentrated In cities categorized as high-risk according to the Indonesian Disaster

Risk Indar (BBI), However, Bank hasallocatad sufficierit provisions to anticipate potential losses

Wildfires

Based on collateral locations, 628 of Banks supasiira In the Agriculture, Farestry, and Fisheries sector Is
concentrated in cities cstagorized as high-risk accordino to the Indonesian Disaster Risk Index (IRBI),

The: movernent Ih the capital adeguacy ratio
Is influencad by changes In otafit and loss
cemponents and AWA,

The Impact on credit risk and Banks asset
@uality deterioration after implementing climate
scenarias Is simulated at the profit andi |loss
atatemerit level throuah chanoes in previsianino
and Interest Income Asset duality deterioration
also affects Interest Income although not ata
significant levet Simlarty, dimate-relatad "market
risk tmpacts are considered through rnovements
In mark:to-market (MIMI valuations.

The caiculation of credit RWA and market RWA
foliowz tha Standardized Approach for Commercial
Banks Credit RWA moserments are influenced
'by factors such as asset guality deteriaration
jand credit growth. Meanwhile, market RWA
movemenits assume changes in this asset guality
High Vieid & Non-Rated securitiss are reassigned
#oOothersectors in accordance with DIK technical
guidelines,

Market risk exposure covered In
the chmate risk Impact analysis
categorized Under Fair Value Through.
Firotit ar Loss (FVTELI and Fair Value

“Through Other Comprahensive

Incsme (FVOCI, White other

@xposures are assumed to cernain

unchanged: The guantitatne analysis

Is conducted by transmitung cihmate

(sk impatis 10 credit ratings and
and

SstibtitsiNY Report |
FT Bank CIMB Ming Tini

GUANTATNE ASSESSMENT OF OTHER

RISK TY

Bank. has considered the Impact of cilmata,
trarisitlon risks and physical tisks ori mor-credit risk
Iyves. including

1 Liguldity Risk

Climate change, through physical and transition
risk factors, has the potential to tioger other nsks,
SUCI as Tiguidity risk. Olven the broad scope and
potenUally savere Impacts Of ciimate changa,
Nuidity risk could becorne 3 systernic risk for the
banking sector and thrsaten financial stability
This may gocur i-householdx corporatlons, and
finaoclal: Iistitutions -sionificantly Inctease their
Foguidity dermands as a precautionary measure
following 2 severe natural disaster

Bank recognizes the Importance of balanded asset
and ability management In terms of maturity
profiles and counterparty behaviot while ensuring
sufficent Ilguld assets tol cover unaxpecred
Nouidity gaps caused by climate nek impacts

2, Transition Risk

Bank considers transition risk particularly
regarding the asset gusiity of corporate
Credit/Seciititles. that have. hiah. carbon
amissions exposure This 8 assantiat in
anticipating cradit guality deterioration and
rating downgrades that may Impact cash
(low from loan repayments-or reduce the
value of liguid assets.

Customer deposit behavior may change
duting the transition period due to
various climate-relsted “policy changes
and climate phenomena Bank. regulariy
Canducts customer behiaviot analysis to
determine deposit runoft profiles for liguldity
managerment purposes, Horrowers may also
be affected durma the transition period,
where their cash Infiows fram businass
Operations Jecline dUe to deteriorating credit

@atahty. Credit analysis results Wi! serve 2x
Inputs in estimating cash flow discournits from
borrowers

b. Physical Risk

LUguidity risk management blaces significant
emphasis on maintaning adeguate Hiah-
Guality Umuid Assets (H9LA) to mmitiosts the
Impact of physical risks frorn acute natural
Gisasters Physical risks can affect econornic
conditions and financial markets ultimately
leading to 2 decline In the values of liguid
assets HOLAserves asa liguldity buffer during
perioas of stress when large and volatile
third-party funds are withdrawn by jumbo
depositors. Therefore. Barik-activeiy moritors -
and manages deposit concantration levels to
anticipate sudden behavioral changes among
large depositors dus to physical tisk aposura

2 Operational Risk
2. Transition Risk
Bank emphasizes the Impartance of
Operational adjustments to enslire 3 smooth
transition toward a low-carbon economy, In
addition to-expanding 'taraeted sustainable
financing, Bank has Implernented varidus -
energy #fficiency Initiatives inciudina but rot
limited to:

Peducing emissions tirough eneroy
efficiency and the utiliraton of renewabia
energy sources Initlatves Include the
installation of solar pansis at the Griya
Niaga Bintara had office, the use of LED
Ilghting, air conditioning unit upgrades,
Office space reduction, hybrid workine style
implementation, a reduction in operational
vehicdies, and the purchase of Rerewabls
Energy Certificstes (REC) and carbon units
(rom IOXCarbon

HI juraginetirty Repot
PT Bare OM Nlaya '

Enhancing (Internal and external capacity
regarding sustainabilty Isnles relevant
to each business line, Induding, training
on. sustanable finance practites in
hloh-emission sectors such as palm oil
plantatlons, socializatlan Of sustainable
finance polloiss and prodedures- to
Business Units, sustainability ask. training
by UNEP-FI far Supporting Units and tha
annval The Cooler Earth event for axternal
stakeholders.

Bank |is committed to. continuously
Generating positive Impacis through
Various initiatlves telated to the transition
toa law-carbon economy.

b. Physical Risk

Bank conducts @ualitative assessments of
physical risks related to floods and forest
fites, referring to: the CRMS technical
Guidelines. These ekternal events cari Impact
Banks business: conitinuity and operation,
particularly affecting Infrastructure,
communication systerns, and the use cf
bhysical assets at branch offices.

The approach begins with zssessing the value
Of fised assets In areas classified as High Risk
far Noods and fires, based ori Indonesia's
Disaster Sisk Index (IRBI), Furthermors, Bank
considers past disastar events thiat hate
Impacted Its operations.

Asa follow-up and mitigation planning for
physical risks of food and fira disastars, Bank
Is making efforts to do the folluwing:

1 Bank hasestablished a Crisis Management
Team (CMTj anda Crisis Coordirating Tsam
ICCT) to oversie recovery and disaster
response effarta, ensuting. adeguate
escalatian ptotocols, especially in crisis
sittatons|

2 Bankdocuments and regularly updates the
Business Continulty Plan (BCP), Disastsr
Recovery Plan (ORP), and conducts Risk
Pesessment— Location. Continuity. Plan
(LCP) to anticipate cetastrophic events

& Bank has designated Alternate Sites for
asch work Unit to maintain operational
continuttydurinodisruptions Thesemeclude
Dedicated Sitss Split Operations Sdhamies.
and Raciprocal Sites, sach mariaged by
@ Location Incidant Commander and
Location Incident Coordinator

4 Bank pripritizes the Transfer Rlsk Approach
as part Of risk Iniugation planning, ensuring
that all branch affices. have Insurance
coverage for their fixed asseta

5. Bank has a comprehensive SOP outlining
New btarnich openings, which includes the
tollowing criteria:

The sits must be siratagically located
with strong business potential and free
From disastar riska

1 The bullding should! be striscturally
sound, provide adegiata space. and
meet operational necda '

- The premises may Include shophouses
(ruko), stand-alane bulldings, office
bulidirios, orretall complexes.

» Clear poperty ownershik Proper
documentation (land/bullding
certificates BUliding Permits Land and
Buliding Tax recordzj must be available
and registered Owners must be involved

» | New. outlet. openings must alian with
long-term plans, ega mirimmum lease
tenure of !ive years

APPENDIX,
REFERENCES & INDEX

186

APPENDIX

Organization Scale (rossa

Categories Units 2021 2023 2012
Total Eimipioyees Peonle m0E3 Ti16 10036
Net Protit Rp emsllians GEA SA ESA 205677
Operating Incorne Rp miliians B917536 18.785,520 18186572)
Total Loaris: Fo miilions 228002205 FISIKSSTO SiOtA

Total Trurd-party Funds RD mneditona 260639227 ZISAG1 70 227188537

Total Capirahzation

EBauaty Rp millions 53196327 KI3ILIN 653776263
Payablev/Labiliti Rp mulia 307024 ET 285 ON BRI 201473 125
Total Axsers Ro mullinns 80205 394,362733 306 75A 299
Branch Networke Oie “7 Ag a17
Number of Products and Services Produets/sengces 3 1 195

Pillar I: Sustainable Action

Employee1 Hosed on Employment Status Irosegi-c.al IGan 2-7, a-61

ttratus

Permanent Employees 4828 5207 an S181 «7rag 539
Contract Employees «1 399 860 464 Lg) “38
5457 ssus San 5545 333 5557
Total
no Wis 1036

Mutia Bara Hina Net We MEP Tatang LL Aa TA aya OM REA NO AGE er PpROpa aa

un Repert |

Ming Tak

Employee1 by kagion ica a-7i

Jakarta Repion 353) 323 3516 30sa 3,542 3166
Sumateri Region ko s5 ks sg Pet sko
Nest Java Rerlors al 528 33 515 p273 h3-)
Central Javs and DIV Region Ia «70 325 30 325 500
East Jawi, Basl arid Nusa: 528 nh Sia 733 ssD 733
Tenggara Regian

East Indonesia Reglon 243 264 250 169 237 289
Sisi Kasy sape KAT x54s Sa 5x57

1 Tris (0

Miite Bare Mor POC Mang #riokipera Layaperemi an Lantai Ad Wap

Management by Gender and Poslitlon Level (Gm 4-7, ow-il

Position Lavei

female
Seniet ktanagement ma 29 1 83 ng Eri
Midoie Management 301 39 896 634 s
Junior Management 35es KIP 3524 3982 Sate 3835
Nun-Maragernent &3 7m Bas 2x0 a29 1012

Sa57 306 San 2643 3379 5557
Total

1063 ng 10235

Empiloyser by Working Unit

Working Unit
Female Tamala
3587
Business rnabiles Kl Ina A26 1029 Ne 376
5457 5006 SAT 5645 537 357
Tatat —

Ipar na bg

NOAH Binesinestitty Gmport

Employeer by Age Group (eaa-7i

«25year 2s 229 230 285 ng 3x2
» 25-30 years 1025 Lg 1096 La2A 1085 1607
» 30-35 years — Lo 1302 ize |268 tai 1222
13540 years yo7a 13) ya 1070 155 1086
» Ha years Lada te 173 tas 1697 Loe
Tetal Mo Tue Hh335

Education Lavai

temala tamala famoie
Wp to High School rs 70 185 » P3 87
Welomat 1 3 3 3h 1 ui
Oplona 2 » 2 ' 0 ' 0
Dipioma3 30 634 z2 689 35 as
Diblorna 4 w a Cal E1/ 2 25
Bachelars Degree “2 AA «358 RAB 472 Abe
Masters Degree 2 “3 2 pa 314
Ovetoral Degian s 2 s 2 6 2
Total nga Ns 0336

Monagement ond Employees by Citizenship of 2024 (car 2-7, v0s-1)

Postiion Lov Total
Board of Cormmrussionara kl 1 7
Board of Director El 1 1g
Selor Mandgerment z2 $ zr
Middle Management 1558 ' 560
Jutnor Management TSAA oa KAI
Nor-tanggernerit 1556 | aa 1386
Tera. 107 “ NGRO.

Employee1 Barad on Wationality

2024

Asia 1953

20239

4 Sita!

My Pembart

FT awak CIMB Miagu Tiki

TS

2022

Amurigah Inchan dr Alaska Native

Linen aibinimah mei rada

Native Hawsilan or Other Pecific Islander

Wnite

ole ja Joo

Hiapanis cs Latino

Torsi 103

1

ajoloe la jo lo

elo 'ojoe'o

03

Now Employoes Piacemant Location by Region (Gm anis)

Femuta Famaje

Jakarta Region 53 “8 325 s3 370
Surratera Reglos kr) & ps 3 A 25
Wesi Java Region Bl 6. 302 3 “NG 5
Central Java and DIY Region 3g 34 "a 3 33 29
Best Jaya, Beli and Nusa n 5 as H8 at -
Tenggara Region
East Indonesia Region 3 40 3 BI 38 z3

3 587 3 753 31 Tan
Toral

1597 154 1855

«If years 455 4 504 301 338 78
Ii) years 321 2a6 386 235 38 Ia
A-soyears 54 38 2 ge “3 25
» 5D yodrs v 1 z 1 4 t
0 G8? 31 763 Lu Tan
Total
1597 1594 1655

Employee Turnover by Region Icii nori

Jabadstabek Repion m7 na A32 38 -0 Hi
Sumatera Region 180 a no 70 Ti6 109
West Jaya Retlon 7 3 38 s P3 60
Central Java and DIY Region 54 Ta “9 «8 EN)
Bast Java, Ball and Nusa 8 Ki: ye 79 7 Bs
Tenggara Regian
East Indonesia Region «8 "8 18 5t s6 ss

ms 12A H9 501 NOT 208
Tental 5.

1d 1816 1313

Kearon

femala Female famais

Normal Retitemsnt 37 BB 83 n sa 30
Early Retinement tot Kiealth va 1 II Pal 20 35
Reason
Pesigned 453 389 ds «7 636 C0
Passed Away 5 3 s a & 1
Otnes 337 337 268 ha: 261 2

36 22: 829 kasa 1007 Oo
Total

Pd 1510 13

Employee1 Leaving by Age Group (om NOk-il

Female Female

«25 yesta 51 . 3 “3 ea P5
"25-39 years 252 258 Z9 208 323 355
» 30-35 years 266 73 23a 166 Pil 25
"5-40 years 3 98 168 Rs -3 ALL
» Ik) years L- 1aB jas 3S 166 122

mc 729 229 kasi 1007 2D:
Total

1 Saha 159 |

la

New Employses based On Entry Patih IGxi 011)

20221

Entry Path

Female — jumiah

Totakthrough Sestt
Dessloprrent Kr Kura 5. bi Itu 8 IL 1g z3
Prograrna (PPS)
Ti M tera

Aa Kan nana 308 3 607 337 232 529 389 324 583
Frontinass
Others A95 Zat Ia «re 391 TP LAT S6 760
Total bis) 687 1597 31 783 LE an Tah 1853

203 2023 2022
Ernployses Joining 1597 1694 1655
Ernptoyses Leayang Weda m0 1s
Total Empinyess at the and oftne Year 163 16 aa
Vslunttary Employee Attntion Ratio ce Votuntary Turnover TIK BIN Mami

Employee Performance Appraisal - Number of Employee1 Recalving Promotions (ari
wou-al

Arrarimant beruits

Tetal Misa 1202 1610
Percentage Ts m —

A4 Hitenginasilify Opor

192 | FT Bata Caleg Maya Te

Scope 3 GHG Emlsrion? in Financing Portfolio Based on Sector - 2023

Icope41
Finoncing In : s
3cope muisglong mikona
an Emi, Waeignteg Emissian
Kobar |etneslang,. dakenahg pan dnn lenong, ben,
icoal Smk Sura #co,al daa
Agriculture 308636 14253 463 37 - - -
Ceme 13739 4259 3770 25
Coal 25734 max 13 1)
ktos & Stisel aan 100 3ea “1 - - -
Aluminur 2 364 EP 51
Oiland cas 1aros ah -a z0 233 nei 39
SN ON UKK 2068 1283 P3
Generation
Real Fatate' Aa Isag 10 x9
Trerapottatan 72810 28 104 1 - - -
Total Bora 3Ms9 262 3s 1929 ni z0
Total Credit
Fm 233699
Scope of
Emisslon
Calculation aon
from Financing

Partfalla

Scope 3 GHG Emisrlong in Financing Portfolio Bared on Asset Closs - 2023

teupelt1

Yector

Anoncing Ir
100 Emissjans Emisyions Welghred
teobiionsi | otelong, Akon oategnedyletmustang, Anantiy “bata

WC0,e /kp “ I1c0,# tp
| yoga bilfona) See 1g) bililona

Bend Investment 3205 90 3 z0 203 sa 10
Business Loara A39 10878 400 33 137 m7 33
Cornrietcial Real

Ekara 20259 543 80 “0

Mongayes 371869 692 . «0 - -
Motor Vehlcie Laans TA Dag 93 25 — -

Scops 3 GHG Emisilon3 in Financing Portfolio

ed on Sector - 2022

Senpe 142
Ma Si aa

tCo,el bitiloaa) Seore 10.01 Pa dr
Agriculture 201162 Bah 38 40 - - .
Cememi 26263 TAB 3029 25
Coal 23K Pen 328 24
toa Steel 4A082 1893 409 43 - - -
Akamimum 554 127 RA s9
Oitand Cas 1542 Jaa 712 28 lea mm 29
ana Paya 50488 6709 29 22

Real Estate S98935 158.0 26 «3 - -

Scope it 1 Tcope 3

Finemelng Im
Emsisslamu Welghted
malty

2 tp

ama)

Emiszriong - Walghtod | Eminsions

Thovronds jt para Gvafity Ithovsangn jins
CO,81 Yeore vco,al Aa

Scope 3 GHG Emisslons In Financing Portfolio Based on Asset Class - 2022

tcopeik3 teope 3
sector Financing In
160 Emiusiang Emissiopt
Emisaiona Welghtog | Emissions
nakas Ina Data Owatity (tinausandk aa,
piltianal score Ld bitilocal
Bond Investment 8721 1023 173 2s 8s 1737 19
Business Loars 2739 25765 368 3s ss na2 30
Commercial Fest
PN .
ena 11281 3n9 leg 9
Mortyages I73994 207 3A «0 - - -
Mozor yehcie Lgana 92990 889 98 26

Total 26431 2989.4 2hh 39 189.0 n7a 29

mak Cina Magu Tik

Scope 3 GHG Emisrlon3 in Financing PorHfolio Bared On Sector - 2021

Yector

Icopet k21

financing hi

Emisilona
Intemsity
Lco,e fp
bihitana)

re0,
Emiariang

(Kp aitem) | eahoutangs
rcosah

wolonted
Dula
@uolity
Icore

Emisyions
Intanatty

(C0, tp
bintan)

Welghted
bata
@vality
#core

Emirstons
IThowsand?
1o,e)

Agriculture 26313 E-1) 39 39 - - -
Ceme 55851 20771 3630 39

Ceal Pa 2970 33 s0 -

tor 4 Steel X7 2 43 49 - - -
“Mumin ut 9834 39 -

Oi and Cas 528 807 27 z0 - -
As ang Pee #8035 325 Tak Pa)

Generation

Real atate 0222 526 27 42

Trereportaton 163889 1402 26 34 - - “
Totat - 107,559.2 32693 30k 39 - - -
Dang. rata

Scope of Emisslan —

Calcutatian from 5221

Financing Portfollo

195

Yector

Bond Invetrnetit -

financing hi
sapi
Irp sililon)

Emissions

wolaned

Intemeity Dula

ho, a tp
oma)

dam

Ovolity
tcore

Emisyions
Antanatty

(CO, Mp
billona)

Emirstons
Thousand?
10,e)

Welghted
bata
G@uality
core

Business Loara 627793 30981 427 “9g

Commercial Real 1

Estate

Murtgayes 382577 n38 28 41

Motor Vehicie Lodns TA Tah "3 20 3 —
Total N 107,559.2 32001 Yok 39 - - -

Pillar 2: Sustainable Business

Lending Bsed on Economic Sector fp militons) (cri rio) Isvasa yaa.) Ina c-ujoa.i)

Growth (X)

1914-2022 2073-1073
Housing IIsaKan oo IBRROSOA 38308224 R46 152
Inaustry AOBASEM — SWSGSIBI  S7IALS2 ana 112
Bean asia Macet TAS oo SIBIKEah oo SATA s01 Es
Business Sanaces DIKAGINTE 252.002 17186361 ug7 An
Cansumptan SRS0IEA, oo SaNTEEOa IAM02SI 1616 »oa
Agriculture 1XE20,817 K3BOL0AA 11185,251 870 7.
Otners IA SSUST 32569302 Ia 056 «39 733
Total 225002018 omtIeuano oo mgengI &a5 Pi

2024 Sunlainihy Pebort. 197

Ft mrk CIMB Mag Tak
Lending 8sed on Geographical Location IRp miillonal ica Fsel
tegion 1024 1 1013 3 10221
Jakarta TE2EILAN IM 151322585 3 Wareghag K3
Sumatera (Sera Po AASBGKKI Po a6ep3ns 7
Eat Jaya 1S0ba706 6 MAAN 8 pasapga &
Central javs 7654325 3 kere) 3 6256385: “
West Java jog7sosa 5 NG er7nna E3 ga2i7ia s
Others 10953,059 & 1453220 3 SERA 3
Total 12201002905: 100 21RI69870 10. mesng 1og
Gross NPL Ratio Per Segmen (LI Irn-ca-anon.a)
Dercription 1014 10321 2022

Consumer Banking 23 1g 20
Emerging Business Benking (EBB) “ 3 32
Commercial Bariking 14 A1 Kia
Corporate Banking c0 5 o7
Total 18 20 z8

Description 101A Target 1O1N Legiization
Nat (nterst Margin INDM) A20 am
Courto Inevene Ravo (CI) Pu “aU RT
ROE me KONIEOK Yan
Credit Growth S0X-TOM
Crown M Custormar Deposits Sawan Tom
CASA Ratio G20M-6BON BOOM

coc 09121 ask

YAH Hinmsinetilify Oeson
198 FT Bara DME Mlaya Tie

kumber of Customer in Current Accounti, Savinga, and Deposit Accounti
lindividuals and MSMEs) 2022-2021 Iru-Ca-O00.Al

2022

Osteriptlan

Total Value of Current Accountt. Saving, and Depasit Accounti tinaividuals and
MSME3) 2022-2021 (Rp mililonil ire-ca-oo0.al

z024
Dercription
Individual Individual
Current Account Iog7s —— Am7AS7 167513 ta7220a NASA GAN DE)
Deposit MAONGAKI —— YAOMAIT  4K1S238O BRA minsjoa Pa

Comparison of Healited Economic Performance

Description unt 2024 2023 2022
Total Assets 2e025051 334264753 30675A LA
Bank Ananeing RBO1AS 71363870 NSEN NA
Thed-party Funds Ken 260638177 ISSB61670 Bass
Operating Expenses ai 2004535 BENTO 77258
Nat profit Ga98934 6551601 Soge
: NN
Non-praductive Problernatit Earhing Assets 7
“arti Motyfrodilactive Atsata to Total Earning age 1 158
Assets and Nonvproducthe Assets
3 ta
NPL Grom “4 ta loe 20

2054 Sinlatsiiy Rebott 199

FT Barak CIMB Magis Tik
Daseriptlan Yadi 104 2023 1022

NPL Nett 0x am 075
Return on Rasuity (RDE) 1634 02 hr)
Net Interest Margin (Ntt) 2 a09 4x0 aa
Eficienty Rate (BOPO) 5 al a02 kukus 10
Loan to Deposit Rat:0 (LDR) -8630 pa10 8563
Liguldity Coverage Ratio ILCA) Tg

8 Indivoualica za 23167 aa

Mate Te mapincunan Pep AP Or ONE Pena Ki everneri MN tina Prem ementabioe Mi murstatnyat be rat cam bar latin Ii 16 Sumadi made aer
Arenitim Ceegaty #UBI France amen hitam

Economic Valve Distribullon to Stakeholdera tRp milliong) ica 201i)

Reporting Period

Description
1021

Payenierts to shateholters (hidena paymental 3084382 2871843 234sEa6:
Payments to the govethmenit Itaxes leviss and azas imosem Kaka

#conerni: Valus Winbeti
Etomorric Vafus Retained Ion.90e 2826169 30an

YOAA Fineain Renon
200 | ot mimukinyanan

Handiing of Finance-Related Customer Complainti in 2021

Compisted In Progress

fatal

Type of Financial Transoctlon 5 Compioinis

Total

Bancasmurance . Goo 5 agen -
Oupasita 3 10000711 - daow 3
Elsetranis Banking 36156 35K . Os 36 A
KNAIDebiIt CardIATM Machine: DS aman 1? oten 101754,
Credikcari Aa sam 1os: KO01 wars
Unsediunsd Credit 108 Soe 1 os 103
Mokar Vehicle Hihani:ipg - cara - anom -
Woreng Capital Financing ” Kaos - Aron -
Homeapartmenit Ownership 3 anon a01 2
Otnes Fundrsising 5. jeaoa z kata Lah
Mutu Fiarsel - cgom - Ono, -
Sawnga 5 GAeaN 2 0328 29
Wecith Management as Yono 5 Ocea os
Trode Finonwa/Lettar of Credit 5 000 - angan a

1 Sistar Febort

Bank CIMB Magu Tak

Pillar Y: Governance and Risk

Dutles and Responsibiliiies Related to Sustainability ot Audit Committee and
Nomination and Remuneration Committee

Na Char Har

eripitan at Duti

1 Audit Comuyiittes Audit Comnmirtas adslsts Most of Cammusloners In tevewing and clartying finaposi

Information, the selection. appointrnent, and supersision Of the Independent auditors,
#valjatirg The bftecthenesa Of tis Intesnal audit function and Intersal contidd rnechanilamn, The
Audit Committee atso tupersses CIME Nisga's compilance with ptevailing laws and regulanors
as wol 43 The ynplementaton of sustainability In tns Bank,

&Z  Naminatianand
Remunssation
Cammires

Inthe nemination tunctlan'

Responsible t0 provide recommendanons for pronpective members who meet tie regurementi
29 Merntsers of the Board of Commusioners, Sharia Superveoiy Board and Board of Dirgetors
& the Board of Commissipnarz, to be subrmnitted fbr the General Meeting of the Shareholders"
Upproval. Censideraton made by the commlttke In providing #ecommendationg Incidrta
Identitying cardiidates for thair awareness ot the suswnability ahncipls and considering the
result af cendidate's Sustainability Due Diligence fit anyh

Iii rernuneratan unctior

Responsible to compile ali (rw structure, polidea and Nmeunt of emuneration far the Board of
Comnisskaner, Shana Superysary Baard, and Board af Dkectars to be subrnited to The CMS,
ad weliag providing evaluabon resulta ad recpmmendations ti tie Bioard of Commnisskaners
regarding tie remuneration bolisy for Executive Office andempiloyees, ax well astne Committee
CA the Board of Commitulaners One of Ine congidered factors In runhing the #emuneraton
function is ine pesfottnhnce target of ths Bark or Bonrd of Commissioners Board of Dirsetora,
and Committee-of the Ticard of Commissarers individual perforenanes, including sustainability
related performance.

Io Fitk Oweraghit
Cornirtes

Risk Overilalst Correruttisa mania tne mplerentatan af BOCE dulles to (mplement and managa
Climate relatod riska

Number of Anti-Fraoud Troining Participants by Bank Operational Region (ox 205-321

3 Managamant tmp3nyee: 855 Management Empioyoer PUNIAII Managament Employeer Ne Minan)
Jakarta Reglon o 3582 2 o 1455 o o 1526 o
Pia GP) 1 Ea) 0 usa a P) si:
Hae: Saud 0 1 » 0 1s » o Bj
Pesat ara Ta 9 “5 2 0 5 o a 3 a
East Java Region 0 2 0 0 naa o o 2 Er)

Managemani tmpioyeer PUMWET Management Empioyees PUNMAIT Manayement Empioyeet OMOati

East Indonesa
Region

Trarung in
modulesheld o 2207 ke) o Ran o a iya) o
by HR

Total @002 6942 2595

Mata manga

preea arnd Alamat ut Ordtora

Fraud Case Settlement (Gm 205-1, 205-2/ (rm ca-stoanil

umbar of Ca

Intarnai Fraud Care

2023
Compieted 1 7 3
to Internal Settlement Process at the Bank c L) 2. x
Nat Yet Resotved G 9 124
Followed Up Through Lagai Process $ 1 1

Total Fraud

-
2
»

Mhotas Ardsitena Lv ini Aa Hua arum Lamais peti Are ha myULkdd C5 KU sean

2001 Senlatamiiy Pebort 203

FT Bank CIMB Magi Tak

Pillar 5: Advocacy and Stakeholder
Engagement

Total Troining Porticiponts by Position Level and Gender (am aowillacos aa.)

Peseriptlon

Senior Managemerit Apt 2727 3sxe 2216 3ya0 1355
Middle Management pam SB 2200 Ha0a Ass 16350
Jurjlor Management 29429 bee mad Tenan 102739 Isisa0
Totat 2 ne tessa0 tee isxnae 35s714

idustng rn ekengemn Wei Paw tm Pete mtr seo batin poi In tie bmammirig: treoddiihm

Number of Training Hourz by Position Leval in 20215 (cz #ou-tl (adas adal

Tetat Training Nours Number af Indivituuls
Senlor Managemerit Dae 281 0 21
Junior Managemen jan sa 2210 m3
Nars-Management 2872 1934 5.
Mendusing on piaybaa ain Ve NEKi ran

Number of Training Hours by Type ot Training” (Gear Uo-iIJACGi 8.6.2)

Type ot Training 209214 2023 2022
Manngetial, Leadership & Soft Skills 8602 RnB warga
Oewtlopenierit Progtamn & TCBB Kang YAsg S2 196221200
3D (elite IT Uesut Reskilksl 155217 S3s31 18559500
Sales M02A3 Bas 1017925
sergee sayas tazam 1a232009
Tesarufy, Faance& Tax 4375 5709 sznea2
Credit DabA6 25396 1648200
Shania: a00. 44571 6032290

204

YO2A Biimainatilify Ampar
FT Buta CM4E Naya The

Type of Training 21011 2023 2021
Wansactian Bankung 2 2 iaes30.
Culture SAK58 BA2 S77ENS
Retirarment KE a96 158K0G
Sestaimability Finance 72025 51258 122350
Others - “ -
Total 2583 2AS522 Inosrara

Meninjekra arm pkai kui HW (niaga dya we Ksna vuah Wy Clhe aierviip (reisbas.

Number of Participants by Type of Training (G1 wou-illacar a.c.i)
Type ot Training 2024 2021 2022

Manugerial Leadership & Soft Skilit

Oresopenenit Progtamn ATC:

Risk, Corporate Assurance & Compliance
zp (nehuse (7 Upekit & Hesti

Sales

RE

|
2 (ENI. (lele (Ela le lala la la (If

NIPUeRAng Orn bleayoe sair Pake peka eta arm WP petistpentmti Iri tihe hem trd.

2001 Senlatamiiy Pebort
FT Bank CIMB Magu Tik

Employee Competency Development Costs (Rp millions)

Iype of Development

20214

1023 2022

Education Organization B3 B3H0S 173
Internal Seminar 4 Course 2001 200 2000
Oversaes Internihl Seminar 4 Colin Kh 1o0e an
Corporate Culture 1236 3951 3483
Ttalning Center 101100: esa BEN
Opetatanai Traming s3y0 ket) E2su3

External Initlatives and Association Membershipa (Gai 2-41, rsiojIsuswa Li31 113.2)

Organization Name

scope

Porition/tnvolvemant

1 AC! Finanelal Markets Assoejatsan (ACI FMA) International Member

& Indonesian tenjers Association (AE!) Natioriai Meribiay

3 Indonesian Payment System Amsoelatian (ASP!) National Member

4 Banking Compilance Director Communication Matianal Director af Compliance. Terporate Aftates and
Forum (FKDKPj tagal as Chairman

5 Andorsesikri Corporate Setretary Alapelaror Mistis Ditsetor af Cornpikncs, Corporate Altairs and
Sa) Lagal as mernber

& Indohwsia Foreign Erchange Market Compittew National Tereetor of Treasury & Capital Market as
Ci FErAci B Managariani

7 indorsesia Sustainable Finance Initiative (KBI) National Member

Bo Finnrsetd! Skrvibes Sector Altkenatya OlBLts Natlarsal Tereetor af Cotrpancs, Corporate Atals and
Resolution Institution (LAPS-5IK). Lagal as Chairman of the SupbrVidoty Bond

9 National Associatikim cf Comeneselai Banks Matari Barik asa pernties ar seseral Dihectoru as
(PesBanasI Managemani

ID Indohesian Bankers Assoclatar (RI National Merribar

MT Indonesian Chamber of Cemmneros & Industry National Member
IKADIN|

2 Banking Operations Directur Communitaton Naticrsal Trteetor af Operations & Inforratkari
Forum (Fxoop) Technology as General Treasurer

1W Indorsesian Credit Card Assomation (AKKI) Natonal Member

1S Indonesian Banking Human abis! Fururti National Mervituar

(Heri

(Ma Keenan PA
R06 | pr tank CAK Moga lek

REFERENCE OF FRAMEWORK AND
STANDARD ON SUSTAINABILITY
REPORT

FOJIK Ko. Ko.
indo Index Maru
Sustainability Mrategy
AM Saboretion en Sustainability Strateyy Li
81 Ecamurnio Anpects ng
832 Ervwonmental Aspocis us
83 Sorial Aapett ni
Company Prafite
a Vision, Maswa and Vutues Of Sustainability 6 tg
2 Camparnya Aditraa AN
- Ertarprive Scam Aa rak
ca Producta. Servis, and Besini Actntias “
3 Murnbiersfrig In Assesiation 13
ca Sigrificant Changes in Iswars ang Wublic Compunie: s
(1 1he Sipara & Directore Explanatinn taat
# #espontibta for Impiumenting Sustanable Finunce Ba, 128
£3 Cermpetency Dereloprmont Ralated to Sustalnubis Finance ia
3 Risk Agama ah the Imolamwntatkn of Sustainullu Tina BL Ig
£ Betatibos wan Stakehdkcmrs Ba Isa
Es Aroolemewin tm Templernantatian er Swmainabin Fivana —
Li Sumtainai/e Culture Devesoprnont Activttics. 11162
Fa Camiparson of taryata to perfarmanwe of production pordalia Anarcing taryata Of rsesvuante. -
tevinae ak wat ar penfit and ka
Fa Cempataon oftargat ts performance af porticso, financing target.2t mvsatmenta mm financial BEI
Patumentk ar otojecta in Ina wita tee Implementation of Sustmrebie Finance
keedantefomutan3
"4 Erwwonmertal Costa That incur 104. 1ns

rs Us of Erwwarrrwntalty Freivdiy Motu talk a

LE KATA NI
Fan Cant Ming tis 1207

foge Number

Fe Amoust and Intensty of Energy tised Ye, 20

La Efortu and Achlevenjanta Of Energy Eteiangy and Use ot Retewatilt Enorat ”
.8 Water Usage #0

P3. Impacza from Operasional Atess Ngar cein Araxa af #islivesihy tg laa
ra Bioaiyeriity Conservation Etarta m2
et Totat and Inteesity of Errivsions Generasi ty Type MEN
"n Bi ane Merah Emi Redurkior Maca 1
FT Amourtat Waste ang EMuwnt Genarnsodi tar Tni ”
Fs Giccurting Kastis (fany) E)
Par Mumeet ant Material of Eewsonrnental Cornelaints Awceived end Oesobedi ing
sada Pertoemanea
LL Comenitmretto Prowde Servieeror Egual Products andior Servises to Cenutumera Lai
Ba Gajah Erriilayrnerit OpiportuNNty bad
F1 Child Labor ana Forced tubor
#20 Reslone Semimum Wage “
en Decont and Safe Wr Erummament: ro
F3 Ermployve Cacability Training and Deweopmant kidd
Haa Impact af Operation on Siirsunding Cdrerhunities 38 (ta
Fa Community Carailainta is
3s (adan anberimerne bui 10 te
#26 Innowatian ana Denglogenentet Suatainstie Fingncsal ProcsarinSernag Bem
2? #roduce2Sipevices Ihus Niee Eicon Evalunted foe Safety for Cimioreera 8
FaB Produuct/Servkae Irtamet da
#20 Mumbat ot Product Necaits aa
#x0 Cuwormar Satisfaztins Survey on Susterattir Financial Products andise Setvwars ina
Ta
Lahar:
Kun) Merman Yariticepon from Indapandmne Barti Far Pi
C2 Freliback Sawi ui
3 Nesponses to Feedback an th Pravipus Years Sustainability Report 1

208 | Ha GA Maa

“GRI Standard Content Indox
Statemant ofuse PECIMB Niaga Tok tar mparted the mErmIbOn Caed F thim CS content indesrfor te poriog Jantiary |
10 Decembar HI. 2023 with setmones tote Gre Standard.
Oh usad GRI 1 Foundation 2071

Iminajan

SN Mengapa mterlarure o we Cai

tegatamantti: PAN Eta .--
bear AnOnen — EEANANGN Tech

tariaar

GRI: General 21 Ongublsatooh detalis «
2 53 Keefjoemekkedm ira “.
reberting!
73 Reporting peltad, Peegukneyand Hi
centact peint:
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38 Siberrial muurimoe Hi ROTI
26 Mutivitea Value vbiotrs rd otfate 43
Besinserrelatanatves
II Erulopoae 106-188
IE Vines who ane not erminyesa 186
DA Gewginance sirucflre and WA kta
cempasitkan
2: Momination 2nansloctin afte Cena
pegtwst gowarmonow bodz
BW Chair af the Kighee pevemnnce Beat
wady 1
Itt Node ofina ngnesi gowernanceboay 2189:
ormesing the anogamnart Cit
mma
RAL Dilaguben Of eboonweiity far Pa
menaging Mipagi
TK Aeearira heberrgominancs katy KSTIB
M eLaLanalNnty Mapan
ZAS  Canfhitwofinteheet batu

28 Cammuniatisa gt oritical concern. "AMS
217. Ootectwknowisgge af ha highakt—7-RA. 0:
tt

Bai Bealudtian ofthe perturmunce af th TA2G:

2201 (Mocosx1o determine rermungratian Was:
SERI Annual tatal cotmoansstion (tio

“
Gtutertelitan sustalrubis Bca
Mwonopeman strategy

g

AN Ket aenitar agh

Kaguiramurntiy
son ttaat

tnusan — baylemetia

Gi 2: Ceneral 224 Embedsng pality commikents lada
Disedosureas 2071

3S Maceesanto rernudikte negatiyg »
mpecia
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GA» Canwral 337 Gampilance with linon ru 1
Discloaures 2021 mepulatio
DIN MeribitvO aecelaton ae
IM hpotoaen t0 utakahitla 1S
engagaran:
GRI 3: Materiai 31 (10c0E1 20 determine rnateriai top «ra
Tople 2071 -
32 Atofenntedaltooea lau
33 Managomerd af rmatetal topi Ka
Gpn 206 2011 Dewet ecopomnil wulun genarntd, “
2 Ananial impikitkundand otnet Kaka 35 IST
era opportustis due to orriate
enanga
ter rwtirwrarrit Diana
TOL-4 Financial wentance trorri “8
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eonornit Imphsts temdees hubeortod
mpuoti
Antisorruption to cemuptibe
kai 2052 ComMuricaton and training ria pol
about anti-corrupkion seilitiog api 12
procedurua
253 Canfimmiil incidenti Of corruptlan Sa
ard agtinnataher
G0 306 Anti BET Wak setang Por an AMA. 98
Bebaviolar 3016 erncikan
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a01 ' oraanantiae
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rganbatkar
3TEA Raduction af eneray cenkuraman Kou
GR303. Waterand 3011 Interactena with watar maa shared 30
AMuents 2018 merource

3043 Water coneummgsion Bg

Lana Keperrma daa ASI
NO anna Ala asa va

Gitu Monaari

3044

Denature

Opernllotwal vites swreed, lens,
managed by, oradjacert ta,
Meet eter UII RN, Ritat PAN Aap
sing Ini bilogisersity wali

Penuiremuanita
anita

dmwaiar

tourer

un Hd
Jamter
wantane

Sianiiwtitirranets af mctkmen.

ILEN Rip List ses0lut ar salih
Corrsetvation Jst mpecites with
aarted tiy Oparatiang

206

retsyy Iudireci (Senpe Ih GHG
-

Oliver ittiest Soo 3) GHG
man

CNG erribsiang iribansity.

@educiionef GMO emisiont

Wenger cundos INOx star dnletes
(song and othar significant 2
#eresshtr

Waste povetation and significuret
wowete-nalkhes Irrpacta

Niser diyerses rom PEpuNAl

Wewe mapel on Linen @arvervrnobriti
#emata

te supply eni and wetan takar

News servploya hilme ani amiployee
turmaner

tieotiln pronnedukd to Muli-berye
empioyese thut ane sort mreAdad Lo
emparary cr part tirrie brnoloyees

Diyenitul lwmer

Oecupatianal.—
Honitn and Sutoty

Desupttlonwi Pest and sat
maragarnem wita

3

(karang iduntifeatlori, Vk
mentirrink. niat Irielcdrat

Ben mei)

Orouput jan Kanit serdoa

Gan Memaaru

Kaguiramurntiy
son ttaat

Uennr Ketaanitar at
FI Bank Sop Manga Ink

taurer

ta ut

Ia)

Gia deret A4 Vhirker partiopason sansuitasan, 70
and camimunegtisn an oecuputional
Houlth and Satoty "esitirand zafote
4835 Wurker Wolning os necupitianal 10
Peatth and safeny
206 “Promotion aware NUN dang
AO? @nnentida are mitigutiod of ya
werupatdral tuh os sep
mp3cts linked by bonnas
wlatioealirse .
A03.  Workorz covered &y an pecupaticoall 10
#esattiv and mataty rriMmesgerrwri
Bea)
40449 yyorerelated Injuner ya
A20 Wodoeelated Il #uraleh " 10
GRI 404- Training — ACA Mesragik Moti dah tralrvirag god yaah 30K
and Education Barampinyes aa
- 2043. Pogrurutorupgrading amplowe 7G
akik and transition aisintamoa
ia -
ai #ercentaga cf amplnyosa recating -
regular perforenance and carear
Werenlopinent rewanAn
MRI A08: Oiversity A05 Ewerit of gmernasan bodeware (IMA
iga #0631 Rotioof basic ailaryand, te
wstemarsrdtikare Of swarratrs Li Pri
GRA0 Secara SO Human tlyhtspolley orptocedlure -
Practicis 301 meweng for mecurity acer
GRI Ik Local AI Oparaticos with local community. er
Cemmunitlss RAN Ong ereait Imbau hasan
and development frograrns
2x1 814 Suppnar ST Secialarnapa for new supgiar
- MUD Negotike 20641 irrpincep In Us 2
Sappiy chain ary actigna telan.
GRI 416: Cumomar SEGI Asssesmwnt of One hesitn una zafacy —
Houlth and Safoty posts Of ptodiset mid service
201
K6 woidonte of mn-cormpilarus 3
Canceming the haxith and satsry

(IRI 417. Marketing
and Labaling 2016

Mo. titi
tnuan bayimutin Jaco
mantan

ATAL  Meguirermesas far poductand “
pences iNoemarian and mbisling

Ath2 (ncidenta af non-compoliuncr 3
cenuwerung preduet ana sanage
Ssrrnanon and inbeling

113 medonmcaf mon-compilange -
centemirig rmarkuting
Ketmimuncalkana

Gp1 a18: Customer
Privacy 20

MIS Cestomar complamtsrestad -
tp cuatara prada aya kau at

rage
mumber

Oiretoture

FS Bolioles weh sewoifit #emrommerital and ksalal corapotwets abpied to busitwss Iis Kata

ra Procechases for sasestitg aki aeredmg wrna and social make tr tas Ir saga

- Procerzes far momitorng dent! mmplerpentatiom af and compbarce weh semronmantal ang tema serta
touirarnentn Includea in Agneemant ar KrANsaKLlANN

Fa Moceanfesi for impraving staff cornpetency tv Impiermeet ttip Grmmonmentaf and social palicies and lapaei
Pruceure 1 apipied to titirusan lines

- Intarattiona wtn citares/ Inyestoes/hutiness parinars regarding #iroemantal and saciaf reka and Isra
seporturaties

Pi Percentage of tie perdolo for basirens Ilnen by apeciie segian, tizs (og mitralimarlarget and by sectol HE

Fa Muriwtary walug Of produutk and temicas dsalkire to dala 9 mdtiti Bodi beesafit hat dori bim 068799
Ine tiriskan down Iy purpose

rsa Monetary vakug Of produgka and servoga engnga to dnliver a apecine srwroanantah Denafit tar cash OK MA-ION
besiness |irte token dorari by purpose

F9 Covetinpa and regienay of audit in ker Ingtensahtitios af eweronmerital dri minta polos arud “
TS aatetzrment procodures

ro Percentama and number of cernpaniss Ted IN TIM Inaluban porfoha wet vc Ing mporting R05, A73
2egarization has Interactosi on enilibamental ce social Innuee

Ll Percentaga of alat mutisut to pesiliva arid hagu ke wawiremmdal Or docial hurwwrniray 1x

Fera Vating palicyilesi appilleri 7 peyaranymertal ar soKiat isakies far sitatas Oon Whirh tturreportirg taplan
#eganizatlon mokdu the righir.to vote Uharep Or dUVikas On voting

FSW Accras points in kav popututad or ecenormizally demdvartapod urcat by to Yaa

4 Initintiwet to #neroe kedesa to tinaricial mirviLei far dsbdvantaped eco Bear

FS Dolilen Por ttm Tar design und sale af Piriarusasi peddut are gn/LAcesg Ba

Esai

Iitimptores tt eritiarica Orsapantul itteriar tap type of bsernaficiary

kenanga Jasa

trosirvema.

FNCESgAM II Muara Dj vmkao ce an: by segemont al perteri nc ii sma human s

Data Security

FMCBLAMIAI IU Nurnberardata brancnes (2) peromtngk mwoying penonaliy Mantifinbin Intaerriatkar (PI (33 88
Mumbai UP acmunt.hokderg Sftectad

FN-CBIMIA3  Deseipatian of appitmen tv dentilying and Acidvwssmg idati Mecuity ni as

PNCB-OA1 MM Nurnter and GD amngunt of pasi Sus and honesensal oma Gwaified to proerunng Wodanad Cp Promote .
amal bissnom arid community devrlocment

FN-CB-24hA2 HI Number and DR) siswanit 6 pet da GG mOneOGnAI hour uut to pisaratna dewgand 10 promo 3.
email basnass and communits terelapmant

PNCB-MOAT — Wumiber of no-coat KOLAT LTWGKING MEGOWAA PRIMA tp PreOUIIy unbanksa-or underbankad 18m
Cumomers

FICB-MehaA — Mambier of mweeioanta In tirhnulal lite ny Initiative tunanbasami, undeitanked or undorwrusd 1060
Ten

Incarparatian of Envirenmuntal, Social, and Governance Factars in Credit Analyala

EN Cawxioal — Commercin and indurtnsi Dodit exposure. by indir) »s

FN-CB-0a1 — Dikenpton of approseh tu Incarporaban of anvinbemuntal. socim and Bowenanan (EBGI tnetor in credit aa
anatyas

Business Ethics

PNS. 01 Totul penount af menetary Karaan aa temiit Of Ingal proegedinga AROs Wa WIN Tratici, kmaider Trading: B4, 52
anti tewat, ant-competitiss bahmear. mm ket maspulation. mWprectice. Or Oliver tetatad finaricial
meuatry ms orregulatinns.

INC83I0A2 — Danengtaan # whirbebkawur pillaes an prosedur 15-54

EN coal — Ojabat Syatormically Important Bank (GS) score by category “&

bun

EN-CBSDAI — Nikenpton ofanpreseh td Inearporutian Of dnvindemumntal socim ari yowenangi (ESG) neto In crecit
anatpse into reotal aderuary planrirg. sngoterrn corporate Srategy, and sthtat buninass 2crnmites

1 bremmar operrasd man Pe
DIA gann CAN Moga lek

NI Purpose - Sustainabilhy Strategy

hang Ja tharsa clear petarence te sustainability in the bank! strategy and tang-temmn vision? (7:4

12 Dies the bank cisatly tecognise that its ESS tuotprint Includes the indirect effects arising frarn its 28
business activities jeg. fInancihg Underwriting adwsing) and pettfella?

113 Does the leadership statement, maks reference ta Ine integratinn of EAS factors In the banka 3
business strategy?

114 Jathars a clear peterence to sustainable development gosti (SDGs in Tne Banks mrategy bt 39
wslor?

15 Does the barik saplicitly adknawtedge the sodistal andi seononia raks msocihted with dimute KENA
charge?

116 Ooes the bank segilicitly sekrowlediye the socetal ari sconoenilc fesks sssnyellitad vyitih g
ehuwonmental degtadator?

Ina wa Has Ine bank Identified #esponeitle finencingNending anelisr oki kay ERS kuues ad rruaterar “2

1) Purpose — Stakeholder Engagement And Participation In Sustainable Finance Initiatives

1121 Does the bank dlsdase Ihe types of sakehoidws Itergages with an EBS issue? 35 56205

122 Does the barik engaye with civil sociaty and/ar nar-govesnmenital aryankationg to Understand 1 IS
the ERS mmpacts Of its businesactVitiss7 Ia, 205

1123 Does thie bank disclase the freguency and mede of communication with stakohulders engaged se
On BAS asue)

126 Does the bank engaye with regulators and policy malas an EES Integration and/or sustainable Iga
finance toples”

1125 Pes the bank participate in. elevant cammitmisnt-based sustainable finance intiapyes such as »
RSPO, PRB, TP, SBTI, ot SGEFP?

3) Policies - Public Statements on Specific ESS lssues

21 Does 1he barik have sxelusiomany orihnciples covering hetMitles the bank will net support. taking LA ui
Into gecounr ESS consideratipns?

1217 Does the bank teguire tilents highly exposad to cllmate-relatad recks to develop a mitipaticn plan na
and ultrnarsty allgn their activtses to the objactives af the Rans Agreement7

23 Pives the bank probibit the financng of new coal-tited power piant projects7 yaa

gla Does tis bank seknowledge nature-relsted Tinanclal risks such as biauWwatsity loss ancior KTI
Gsforestation rsks In Ts clients scbmitie?

1215 Does the barik tedulre cileris in sector hiahiy sxposed to deforestatian leg. soft commiodities, »
Infrastructure, extractives Indusery) to adopt "no detorestanan” commitment an born Their own
bperatiana and supply chains. In occerdante with tie High Conservation Vale or Wigh Carbar
Stock approaches?

216 Does tive barik tegukte elierits In sactor3 highy axposed to converslon of rustural etoaysterns leg, soft 'a
Kommodities Infrastructure, extractives Industry) to adunit "no coriversian! comnvitmenits in both
their own operktions anti supply chuuna In secordance with tie prinbiples of the Axcountetslity
Frarriewark Initiative?

1217 Doesthie bank recognbe negative Impiacts on the marine @rwirormerit as fisks In (lenrs acuvitles? 1ta

1218 yu

Does the bank reguire ciarts in marme-related Industries to cbtain certificaton frarn-ar othenyise
support relevant multi stakeholder sustainability stendatds leg. ASC. MSC. SuRej to ensute the
sustainabte use of aceans, sean and marine resources?

Tan Ketek ai

PI Bank Oo Minga Ih

ang

1219 Does the bank have & cammnitment not to provide financial products and senices to ptojects ng
0 companies lecated In, Or having negative Immacts on keey biowivarsity and protected ateas.
IncludiIng UNESCO Warkl Heritage Sites. IUCN Category I-IV Protected Areas and Wetiands. af
International Irnpartance desiynated 'undet the Ramsar Convention on Wetlancdat

1219 Does the bank recognine water isks Mending, scarcity and pollutiang as risks in rs cdherts'actmimesy #2 SAW?

in Does the baik reguire clients In high:rek sertors and geograpiies to perforrw water hk. MIIR
assesemenits and com. to Water aTewardatunt

212 Does the bank tecognise human rights risics, Including tnose relatad to Icesl cormmunibes, Inits— TAI
ilerma' activities? daa

213 Does the bank reguire dilents 20 commit To. respesting human Mata, in One with the UN Guiding TALI, M7
Principles or Buliness and Human Right

12116 Does tlie bank recognme labout rights violatiaras as a ngk seroan all sectorer 182, AKI

2s Does ine Kank taguire ciisrts to adhere to Internatiorsal Istsour standard agulvalant to tip ILO WKT
Puncdarnental Tonventian:?

12116 Pices the barik have policies and procedures In place in order to seek to identity exposure to illicit
actIklly Invaving wildlite and sewirorrnisratal crifresi?

1219 Are the bank: EAS raguremnanis applicable to financial products and services beyond lending (le. “3
cepial market advsary)7

12118 Does tie burik regume chents to obtain FPIC ftorm cormemunitissaffected by their ptojsets and have 6
@ gilesance mechaniarn to adelress ary concernat

1221 Pioes the bank have sector policies for environmentally or sacisily sersitke Industries eg-agn TRI
temmoditlas energy, Oli 4 gas, mining, seafood, Infrastructure

1222 Does the bank disciose Its polities for envirenmentally orsaciallysensitwe sector? B3

1223 Do ttw banks sector-speutic EBS palicies include Miamum reguiterehts or tecommendatione — IMLM9
based un mternationaliy recognised standaras for best SES pinctices (2g IFC Pertarmance
Standards, RSPO, FSC, etc j7

123A | Oowg the bank perotiaily review Its ERS pollties Or stated that tie liat dateot teviww waswitkin 33
the past 2 yours?

5) Processes - Assesaing E4S Risks In Cilent & Transaction Approvals

31 Does the bank use standardwed frameworks for ESS due dilgance jap took, eneckdista La
Guestlonisalres external data providers) wisen teviewing cllests Or transactons slabject LO Its
policies?

32 Does the biarik 2asans Its cilants" capocity, carmirrutmmunit, and truck record ab part of Its ESG due yag.
Gilgapce process

13 he part of the approvul process does the bank classily Its zhents und transections basad on BSS risk Eni
assessmepit7

314 Istheie an esediation mechanlarm for More complex at controwstlal cases7 kd

213 Do tfie EAS risk amsasaryent Gutearresi Influence tensaction bad Olent atceptarwe deciwanaY ..

6) Processes - Cilent Monitoring and Engagement

Taat Does the bank awek the Ineluulon Of eisuses (ag. covenanta, representatians & warrantisa) related va7
to EAS lasues in the loan documaentation for bilateral and 2yndicaved credit faellities?

222 Does the bank regulre cilenta that are nat fully cormpilant with its KAS poliwes to develop and bid
Implement ime-batnd section plansy '

23 Does the barik monitar its clierits' compliance witti the agreed EAS action plane? yag

2s |

memunar Koberemad Tan Pesat

PE dark CAK Megi lk

1324 Does the Bank perform periadic tevisw Oratate how freguent it. revisws its allents" profiles on ES had

1325 Does the bank disricse the process to adidresi Non-compilance Of existing cinta With the bank: bud
palkelas at with pte-agreed KAS actiot gilang?

1328 Does the bank periodically review ia Internal BAS procedures or stated thar the last date of review “2
was Withirtne past 2 year?

T) People - Responsibilities for ERS

Yan Isseniar management respansibis for the Implementation of the bank's ESG strategy? Lia

1613 Do senior management reiponaibilitles include management af cilmute charge Maka rd YE1 tak
@oportunitisi relevant tothe bank activities?

1613 Does the bank describe tie ralas and respansibilttias af Uye valout Jepartrrenta commmittses or UTK
Tearna Invotved In developing and mnplemanting Its RS pdlkea?

NA Han the bank put In place an interriil control aystam with three hinda at defence to Manage ES "9
(susan

Ye13 Da tie term of referance of the Nomnifating commnittee include sustsikability-retated criteria for g
The appointmert of new Board member

1al6 Do the terms of reference Of the Remuneration committes Indude sustainobility-rejated critetis. oo KT RS
Tor the sesessrnerit.of performance ad rermurteratikan lane (os senat managernert?

1837 Do (ne terma, of rafarance of she Audiz commnittes reguire sustamability-related matra to be BA,
Inciudad Ir Internal cantei and audit processer? 3

K3: Doeathie bank implemerit periodte sudfitsto asene impiementationofEAspalleesang procedunei7 MUI

O) Staff - EXS Training and Performance Evaluation

1621 Does the barik have 0 dedicated ESG tesen to Irnolernent EAS policieu and peocedures? art tap

1622 Does tie bari train Ms staff on ERS palliies and impienventatian procenses? »

1423 Pives the bank provide specific traiing for its senior management, covering Sustainsbility lesuesy GA NO

NADA Are sustulmability-related criteria part of the staff apprakai process andibs Integrated ito their &
P7

1425 Are sustalmability-reloted critena part of the-senior manugemsnt appruksai prodess andibr 65
Integrated Into their KPiay

9) Products - EAS Integration In Products and Services

151 Does the bank proactively Ideritity cilerits In erwwonmentally dr sacally sensitive sectors to support ui
thern In seducing negative orerihancing positive Impacts7

1512 Does the bank offerspecite financial products and services jg. green bonds, sustainability-linked 3e
loang, impaer financing) that support the pninganan of EAS lesues, 8g. climate change. water
acarcity and paltuton, deforestatian?

1513 Has the narik allncated specific poola of capited Of neensad tra share of its finaneng thatsuppants ".
Selivit with a positive ESS impact

Ina Does tts batik hold citerit utreeci aktivities to false awareness and share ah gooel EAS pteriloes ea
leg. through workshiopz seminarar?.

1515 Has The bank publisnad #rameworks for Its suwtamable financial products & services 89. 4 green 28
Bond frarnewerk which ane aligned with credibis International sandards?

kena Dowa the bank provide solutions and capechy bullldingy prograrns far SMES to help transitlon to Lini
More sussinahle practuces meluding retail clisrita?

1O) Portofolio - ES Risk Assessment and Mitigation at Portfolio Level

Usa Ooes the bank periddically reves Its parsfollo seposlite to niture-related Fisks (ag. deforesistion, 13, M7 bal

water SEMOyI

AK NT
217

P1 Man oh Ming Mb |

12 Does the bank penodcally ayaw Its portfolio senesure to climnate-slatad prysiosl and/artransitiope GANGA MI
Uekd, using scenario analysis. and disciose the: results and methodolopy used
1813 Does the barjk harve.a sirateey to rnanage ard rritlgate climate-telitad maks acrose Its perolia? 135

M) Portfolio - Disclosure of E4S Risk Exposure and Targets
1821 Does the bank disclase (15 Eredit exposure by Industry sector »6

1622 Dowg he bank stiszinns ita nssil fuel portfallo at & level Of trahsparenoy that aids stakeholder” JO S3-Is6
understanding of the OHG tnpact df the pertiollo-and seps being Taken to raduce-smnissione
(Esamples include detalla of FF stsets nela by tectinotogy type, cument tevels of anmual capex f
Inanced. sxtent af fossil fusi bhysicil assets held)

1673 Does tfye bank dsetose the Gaib srremllons ar carbon Iritersity af the muln carban-intenaivesectore.— YOM6
In ks portfolio Iso. aariculture, mihing & metali. energy. etc1?

1824 Dows the bank diulose statistiks on the (mplameritaton of ts E3S polides leg. rumber of yg
trangactions sssessod) secalatad, spproved, declined. approved with condivorsi?

1625 Does the bank decicse the percentaga Of its soft corminodilles clisrits that have time-bound hana 38100.
to -achiese Tull certificaton of their aperaticn-againet credibia. mult-stakehoider sustainabilty
mandardte?

1626 Does rne bark diaciose the percentaga of eljanta or toral credit exposure cayered by its BAS policies ”
en Lemnlta/e sRCtoraP

1527 Doeothe bank have siience-bnsed targets in plate to reduce nature-relater negative Impacts or SIA
Incressa positive Impucts assacated with its business activties, beyanu dioect lmpects Nern its
(ni operstiona, and disclose progress of achieving these bargeta”

1528 Han tne bank ser aciehce-basad targets to alga Its partfolio with ine objactives of the Paris 16 Hg
Agreomeny, and disclosed progress of echieving these target37

1620 Hbs the bank cormittad to schleve rat-zero geeenhiouse gad emissions In It lending portfolio by 1 Ina
2050, witn defined Intern milestones, and diselosed progress of senlaving these targets?

16210 Does the bank condiict external kaurance of ti ESG-retated dscjosures? an

tea Does tie bank disciose the positive and negatlus parts astociated With its business actNitis3,— KASID
Beyond direct Impact from Its own operatars?

Asean Corporate Governance Scorecard IACGSI

Level1
B8 Sustainability and Resiilence
B1 Bustamatnlity-rsiated disciosure ahoukd be consistent, comparabis and reliabie, and include
retinsoeetius ard forward looking matan Infoerratiar thata tessonable Irwestne void core
Important In. making dn Investrment ar voting decision
Bh Dows he company Idahatifyitepart ES tapics that are matertul to the Organizaticris strata 1.
B2 Does the. company identity climute change-as an ssus7 -
B3 Does the-campany adopt ani Internatiorally recognized reporting framewowk ce mandard for Ha
sustamability (is GRI Integrated Reporting, SASE, IFRS Sustarnability Ovsclesure Standards)7 0
814 Dies the carngany diseiose guantitative sustamability target) Ya 38, 105,
14 MO
833 Dows the cermpany disciose sustalnability-relstad perfarnance progress (Im relatoh to its 48,105,

prevbusly set targets? NS 10

28) ea

an Pt
Nie

Bis

Dowsihe campany tentirn that its Sustainability Bapart /Reporting Iirevewed and Av aprove
by the Board or Board Committee?

Corporate governance frarmeworleshuuld silow Tardialogue between acompany, Itesharehokders
and stakeholderi to exchange views or sustainabihty matters

Does the company engage Internal Saksrioiders to exchange views and Yather tsedback or
sustainability rnattess that are material to the business ofthe company?

822

Does the company engage exterui stakeholders to exchange Viewa and gather feedback or
sustainability matters that are mutesjil to tr business of the company?

The torporate governance framework ahouki ensure (hat Duarcis adegustely cunsider material
sustamability ricks and mpporturities when tuttilling their key tunetions in tewewing, montating
and gulding governance practices, disclosure, strategy. nak mmanageensat and Internal control
aystems including with respect 30 ciimate-related pnyaral and transition (isks

Does the company discjose that thve board tenis oran annual basis that the company capital.
ang debit structure Ie compatible with its strategic goals arud fts associated risk appetite7

B4

The t6tparate goverhance framework sholaid recognise the rights of stakeholders sstabilishdd
by aw on tnrotgh mutual agreenyahta end ancourage active Cooperatiar bertveen cetporatkar
and stakeholdeni In cresting wealth, jos, and the-sustsinability of finangaliy sound enterprises.

Bal

This sulstanca and scope &# the company sifortu to address Suster wallaraT

aa2

Ba3

The tompanyz sfforts to ensure that its yalus chain & anviranmentalty freridiy or Is conelstant.
yoth ptomoting sustainatie developmerit?

BA

The-company'a effort te interact with the sammurntiss in which they opetata7

545

The company arti-corruptian programunes and procedures?

BA?

Does the cormpariy have & separate teport/section that discusses Ms atforta an SnvioAtnan
ecororry and social lnduns?

Where stakehnider Interasta are protectad tty law, stakeholders snnuili have tne opportunity to.
obtaln sifectlve tedresi far Valation of their Mghts

Does 1ne company provide contact details via the company: webate ce Annuat Report which
stakeholders je. custorners suppiliers Gereral publid Ete) can Use to wice their concerna andiar

sampiainta for possible welatlan oftheir rghts7

Be

Mechanisena for employee participatioh ahduld be-permiitedt to develan.

Dows the company seplicitiy disclosu Ihe policies and practices ar health. saluty and weltiara Hor
Isempiyee

563

Does he company expillcity dlsclose tise policies and practicss an training and development
brograrmies for its senployesa?

Ber

Does the company havea rewarditompensatlon policy that #ecountsfor the perforrnanoe af ihe-
company beyond shgrt-term financial measures?

B7

Stakehbiders including Intividus empayee-and their represehtath# bodkes sfibuld be able to.
fresty communisate their concerns about Illaal ar unethicl proctices to the board ang tnele
nghis should riot be compromisad tor doing this.

AN Ket aenitar agh
Fika Sah Ma mb (217

am DowsIhe company have a Whistle nlowing palicy which Incluces peocedures far complaints 53
hy ammployses-and othar stakeholders concerning ultagad degaland unethical behavourand
provide contact details via Tris company website or annual report

872 Pives the campany have a palicy or procedurss to protect an employseiperson who ravedis 53
allegad (bagat/urethlksl behawlour freon retallutiars7

Level 2 Bonus tems
IBjB1I Does the company diiclose how It manages diimate-relsted riska and oboortunitids

assurud?

us
(BiS12  Dows the cormpainy aisclose that Its Sustainability Report /Sustalnability Reperting I exterally “
1s6

lajB13 Does the cernyany dbelese the engagement chstinel with stakeholder groups andi how the
cornpany tetponds to stakeholders" ESG concerna?

lajhia Does the company have urut / dhision / Committee who is spesifically responsible to mannge 138
thesusamablhity mate?

IBjB15 Does the company disciose board af directoru/tomimissiorsers' asersigiht of sustainability-celatad 125 127 29
raksand Gpportunities?

(Bj816 Does ihe company disciosa the Ninkage between executive directors arif senior management. 65-66
ternuheratian and slstalnakilily pertornance tar the prevlout je

(BIA17  Jethe companys Whistle Biowing System managed by Independent partiss /Institutlons? 53

220 | an mua ce hinya tie

INDEPENDENT PARTY VERIFICATION sworo
kpihc

Siddharta Widjaja & Rekan
Registered Public Accountants

ES Pangr Jaberta Mori tower

AOA JL Dami,

iatrran

MET IWIN BTA KIA | 674 28UM

Independent Practitioneri" Limited Assurance Report on Selected Sustainability Information published
In PT Bank CIMB Niaga Tbk's Sustainability Report as of and for the year ended 3 Docember M24

Nas: L.34-1000333473-251002.01

The Shurehutiders,
Board of Commissioners und Boned of Directars
PT Bank CIMB Nizya Tbk

We wero engaged by the Baned of Dirvetursof PT Bank CIMB Ninga Tbk t0 repori on ihe selected
sustuitability knformatlen (the “Subject Matter taformatlon”) published in PT Bank CIMB Niaga Tok's
Sustalnabiliy Report as of imd for the year caded 31 December 2024 (the "Sustainability Report") im the Tisrrm
af an independent limited tssurunce conelusios that bawed 6x wuz work performed and evidence obtaimsi,
nothing has come ta our attentiam ihat cmsez os to bolicwe thnt the Subect Matier Information is not prepared,
in all mntorial respects, in meworsance with the Appliceble Criteria.

Subject Matter Informatian and Applicable Criteria
Ulve-Subjesi Matter Informution that was subject 1 limited assurance and thc AppNeshle Criberia are:

Seops | - Greenhuuse Gas OGHG") Emissions 2 pasksi
Gonises of COZe) for the yenrended 31 December |, OKI (Section 3057 Bemisaion, 308-1 Direct
2024 (Scupe 1) GHG cmissions)
? TTFD
| | 2 GISD
Scope 2 « GUG Emisionn (Jonnes of CG2s) farihe | ee poiK st
yeur aded 31 Dacomber 2024 8 IKI (Section JOS: Emission, 105-2 Eneray
indirect (Scope 2) (NG emissions)
“TCFD
e " GISD
Stope 3-PAM (Perusahaan dir Miman) Water |» poyK si
Censumptian (1 of water) for Iho year ended & GRU/(Seetian 30: Water, 3125 Water
31 December 20124 Meta " t
"1D
0. » GisD

Scope 4 - Waste ganermed in operations and
disposal (Ton) for the yearended 31 Deceniber
2024

PGIK 31

GRI (Section 306: Waste, 306-1 Waste
Reneration and significant waste related impacts,
306-3 Waste penerated. Mit Waste divurted
(rom disposal)

rerD

(HSD

(Eeope 3: Delness Trrvsi 2 Lang mad AT
Transportution (Tonnes of CO2x) for the voar
cmded 31 Decembor 2024

POIK 31

GRI (Seetisa 309: Binteelan, 308-3 Other
Indireet (Scope 3) GWO emissions)
TCFD

GisD

Total Energy Use (GJ) for tbe year ended
31 Devermber 2024:

POIK S1

GRI (Section 302: Energy, 302-| Energy
cansumpitian within (he organization, 302-2
Energy coeumptiam outsitle the oneantzatian,
W33 Bnenyy intenaity, 302-4 Redaction of
energy consumption)

TCFD

KKUB (Katugori Keglaran Usah Keberlanjutan)
Financing (billlois of Kuptah) as 0 3t December
2024

POIK S1

SUSHA

SASB — Finmnciul Sector
GISD

Financial Lirerucy Awarengss Iram Corporate
Kespaasibilhy Proyenens (4) for the yem-erded
31 Dewwber DIA

SASB - Financial Sector
SUSBA

Realizution of Corporate Social Responsibility
Fund (uililans of' Raplah) (or the year ended
M Deoernber M074

PAIK 51

& POIK 1: Siegukutan af hsdoneskan Sewsnosal Sirncer Awinriyp Ma ILPGUK NIDN 7 0 ahe Inooleiwemattod of SustamukN Ph
for Eiwanetad Serwevs fortune #xawerz ane Phoblas vanosakky (PELIK SM with reference to Finemotal Servkwe Mmthostiy Cincadar

Lamor (SEVMIK) 2022 No #GBEMK OOP

“Cit GNI Srtiunahidnoy Nepar rng Sramlarak M2 drama Iw ie Gimbal Akipouting Initxatiwe
“GK$8 — Finanesat Sectm2 Suwtotmnbibtp decowntinyg Shandi fee Commowwse Hit (V1) Fsswed hp Oo Weretahnihiliy Acecemring
Ntameamtr Murat

“SUOMA: Seratasmabe Masing kserawwat terarut dey Woro BY ibitife amar (WII
2 GISE: Olahal bererines fi Sussumuhl Deweloysnisi base Ny Mv Cidebit Iwotorrikor Sutrtmabtr Dewelopamen Aan
2 TCFIh Taak Error un CTonie-Meloteat Finametal Denelocunes ceanrat boy ala Financial Suahittee Meri (ES

Inherent Limitations

GHG guantifisation Is subjett to inhereni uncestalnty because af incompiste scientific kuowledge used ta
Getorrnine @inissiang Tactar und the yahues needed to combine cmissions of different gais

221

222

YM Tiresinetiiny Amper
PT Bana Cmg Nlaya Tbe

kPMG'

PT Ruak CIMB Niaga Tbk" Responsibilitkrs

Managemesi of PT Bank CIMB Niaga Tbk js responsibile (or

2 Detkgning, tmplementing and matataining internal control relevant to the preparation af the Subject Matter
Information that Is Croe from material mistutcenont, whether doc (0 fraud or errar,

“Making judgrenta and satimates that are reasonahle in ihe circumatancer:

. Pn bli penyangga D9 Sa yank Ma apa BA AG
datoria Land

2 Preparing the Sabjest Muttar Information kn ocvondunce with the Applicubie Critoris.

Our Responsibilities

Our renponsibility ts to cramine ii Suhjoci Matter Informutkon prepared by PT Hank CIMB Niaga Tbk and
to report Ihenean in tbe form ofan independent Hmited assurance canghusion based on the evidence obtainod.
We conducted our cngagement in aecocdance with Standard On Aanurance Engagements (SPA) 3000 (Revied
N2I), “Aeturance Engagemente Other Ikan tudits ar Revirwn af Hisarical Fitanciat Information "and
Standard on Assurance Engagement (SPA) 3410, "Arruranew Ergapomenty on Greonbomne Gax Sratemonta”
Isved by the Indonesian Institute of Certified Public Accountasts (ttir “Standtarde”), The Standards rorulee that
we plan and perform our procedures to obtain u meaningful tevel Of uurance ubout wrether the selectad
untainability information Is pecpared, In ali material respecta, In aceordanee with tbo Applicabls Criteria, us
(ve basis for osr Umited assurance coneluslan.

Our firm appites Stanitard oo Owality man yepoobenjusAwarpd, Paman yeah jasrhedodehued

vegardting compliance pro
apolicatele legal and regulatory reguirements. We huve compliod with the Independence and other eshsicul
reguiroments of the Code of Ethlex (ve Professional Accourtunts ksned by the tudonesian Institute of Certifind
Pubisc Accountanta which 4 founded On furutarsental primciplen of integrity, objectivity, professional
wompetence and due care. confidentiality nnd professional behavior.

“Shommar-y af hut sur sg juerflnrmnesd ant ve buasda far agar cewnelicalowg

Dur limited amuranee engagement cp the Subject Muatter Infarrmatkis Corwsbsts Of oa kep sneguirkes, gerirsasidy wf

peron respomaibls for the peeparation of the Subject Mutrer Information, and apptying mutyticat and enter

#vidence gathering procedures, an appropeintw. These peocoduras Inuludud:

“2. Evalinised the snltability In the cincumatances of PT Damk CIMI Niaga Tbk's use of the Applicahle Critaria,
“8 the havis for prepring (be Sublect Matter Information:

€ Murough tnyulries, obtaised an understanding Of PT Bank CIMB Nbuga Yks control eevirammont, key
Procesyet and Information ayalwma rela 10 the preparstion of the Subject Matter Informutioru, bet did 1
evahiate the design Of particular control notivities, obtain evidence about Iheir tmplomentatian or toat their
operating efoctivemes,

". Evaluasat whether PT Bank CIMP Niaga hk» methods for dovelopingg eximutes ure apgeopeiate md und
been caneistently but our procedutes did mat Inelude tentbtg bee duta on which ie etimutes are
Ihasarf ox separutety Our Owo @atlwatoa agatat which yo evahuste PT Haok CIMI Ninga Tbk
tntimnten:

“ Aintervhemee W lili meatnnyoiawert mid relewarit atas ih aitem, mehected cm tie tinaka cf mela amealyade bneilidting
Ie comrideratian df both guantitutive and guafitative eritoria,

2. Conehtorod Uve preswatuton anal diselanure af Uu Suljeot Marter Infoematior,

TOY Sinlatsmtity empoit |
FT Bank DIMA Niaga Tak. 223

2 Cemparod the Subjeca Matter Informarion presermed in tiie Sustainability Report 10 the relevan undertymg
s0urces on 4 sample basis 10 determine wbottier ihe relevant information has been aocurutefy uncduded lm

the Suutalnabilay Report,

" Evalontod the Subjoct Matter Information prosentod In the Sustuinabiity Keport to determine whethur Boy
are In Five with our overuli knowlcitge of, and experience with, Ihe sustalwability performance of PT CIME
Niaga Tbis and

2 Read the remuinder af the Sumuinability Report to determine whether thore are any material mbstatervents
Of Hict ar material incotsintercis based an our Understanding obtnined s1 part of our Heshed asmeranee
engayemena.

The procodures performed in a limited assurance engagcrnatnt Wary In nature and Uming from, and are boss ia

Extert fan (or, 8 rezsonuble assurance engagement. Conseguently, the level Of assurance obtaimed in a limited

assurance engagement is yubstantially lower tam tie asturanoe that wowkd have been obtained haul a romomabie

aeturance engagement heen performed.

Conetusion

Based on tbe procedures performed und tho evidence obtainod, nothing has cone to Our attention that cause us
to believe tbat the Subject Matter Information published in PT Bunk CIMB Niaga Tbk'4 Sustainability Kepart as
of and for the yeur endad 31 December 2024 in not propared, hri Wil iterial renpoeta, Iis petordance widi the

Our conelumon on the seiocted suntuinability Information doc not #xtend to information with respcet to cartier
perlods orto ing otiker tnforration included In che Sustainability Report for the year ended 31 Desember 2004,
Inctoding any images (bereufer referred to as "other Information". We have not performed any procedures wide
rapeet 3 the Other Information, aecording!y, we do mod express an amurange conctusion ap Infoenatkan with
respeet to curlber perioda Or ta any Other Informatidn Included in the Sustainability Keport us of and for the year
#ndes) 3) Deceniler TOD, Iveluding ary hmuyes.

Restrictius af Use af Our report

Odur report should not be reganded a1 wultabile to be met or nedlied on by any party wiuhlng 10 negaire rights
ngamat ng Odser than PT Bank CIMD Niaga Tbk, forany parpore or in uny other context. Any party other dia
PT Husik CIMB Ninga Tok who obtalis access to our report ora copy thereat and chanyes te rely ce uur report
(ec any part ihervat) will do 30 at it own rink, To the fulkent oxtont perwitted by taw, we mecept Or menunya m0
responsibility and deny any Iatility to any paity otlier than PF Hank CIMB Niaga Tbk fe car mod, for tile
Independent Iwsitod manrance report, or far ihe conetusiana we have reachod

Registered Public Accountant.
Sidilharsa Widjaja & Rekan

-

Angga Pujuprayoga, S.E. CHA
Public Aocomatant License Ni AP. 1694

Jakarta, 14 March 3095

224 | na memasang dim.

A MINIMALIST, EFFICIENT,
AND ENVIRONMENTAL
FRIENDLY REPORT DESIGN
APPROACH

Wa try to present a report that not only considers effective
communication to readers, but also considers various things. such as the
ohoice of typeface and design style. Environmentally friandly tvpeface
Can optimize pages Usage when conveyino information, but also provide
sesthetically look and ease Of reading In addition, throbgh a simple
design and concise mfbrrnation will reduce nurnber of pages. Therefore.
reducing the carban footprint.

Simple
Not using complicated
terminology

Congested
Ful ofinforrnation

Short
Not wordy

StraighHorword
Firrn, unambigLous

Clear
Easy to understand

090-9-0—9

MINIMIZE ENVIRONMENTAL
IMPACT ON THIS REPORT
ISSUANCE

We have made great effarts to reduce the environmental Impact
causad by the various publicatian processes of this Report. However,
yo can also help us reduce aur environmental Impact. Did you know
that every second a forest of the size of football field is cut down?
Thus, we encouraged your participatlon to prevent and reduce It
Play your part by downloading the digital version of this Report.

Dana

FSC

wwe Batan.

1001

Fri wil:
Inanaged foreata paper obtainad through the supply chain sustainabie

FSC"C000000. and has been certified Forest Stewardahip Council.

Physical torm af this Report is printed using recycled