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Paparan Publik 2025 PT Bank CIMB Niaga Tbk Jakarta, 20 Februari 2025
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Agenda
Tentang CIMB Niaga 1
Progress Strategi dan Ikhtisar Kinerja 2
Kinerja Keuangan FY2024 3
Lampiran 4
2
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Divider: Macro & Industry
Tentang CIMB Niaga
<Specify Data Classifications one of the following: 1) Highly Confidential 2) Confidential 3) Proprietary/Internal Use Only> 3
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Tentang CIMB Niaga
CIMB NIAGA’S FOOTPRINT FINANCIAL HIGHLIGHTS
Kota Kantor
cabang
Cabang
Digital
Cabang
Syariah 2nd BANK SWASTA TERBESAR KE 2
BERDASARKAN TOTAL ASET
Jumlah aset Jumlah ekuitas
102 407 38 33 Rp 360 T Rp 53 T
Anak Usaha ATM EDC, QR & E- Jumlah kredit Simpanan nasabah
(CNAF) commerce
34 3,265 634,948 Rp 228 T Rp 261 T
Nasabah Karyawan 51% RoE # KPMM/CAR
8.5 M 12,004 49% 14.3% 23.3%
DIGITAL CAPABILITIES SUSTAINABILITY DEVELOPMENT
Mobile Clicks OCTO Kontribusi transaksi
users users Pay Kanal digital Pembiayaan Rasio pembiayaan
berkelanjutan berkelanjutan
3.4 M 1.9 M 5.8 M 90%
UNIT USAHA SYARIAH TERBESAR
BERDASARKAN TOTAL ASET
59T 25.9%
Data per 31 Desember 2023. Jaringan kantor termasuk cabang syariah , kas mobil , cabang digital, dan payment point . ATMs termasuk CDM, CRM, MDM. # Definisi OJK, ROE dihitung berdasarkan modal tier 1 4
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Divider: Key Performance Highlights
Progress Strategi dan Ikhtisar Kinerja
<Specify Data Classifications one of the following: 1) Highly Confidential 2) Confidential 3) Proprietary/Internal Use Only> 5
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Implementasi strategi jangka panjang yang konsisten
Prioritas Strategik Kami Indikator Utama Kinerja 2024
Menghasilkan imbal hasil keuangan yang Kontribusi 45.2%
berkelanjutan kredit retail (1) vs. 45.4% di Dec 23
1 2 3 4 5
Rasio dana 66.0%
murah (CASA) vs. 63.9% di Dec 23
Fokus pada Peningkatan Disiplin dalam Penjagaan Pemanfaatan
keahlian utama CASA pengelolaan modal dan teknologi
biaya keseimbangan informasi
44.3%
budaya risiko CIR vs. 44.8% di 2023
Akselerasi Menumbuhkan Mengelola biaya Menjaga resiliensi Memanfaatkan
pertumbuhan yang CASA baik di secara strategic bisnis dengan teknologi canggih
profitable dengan segmen retail untuk mendanai menjaga posisi untuk meningkatkan 0.84%
alokasi modal pada maupun non retail aspirasi permodalan yang customer CoC vs. 1.03% di 2023
pada segmen yang memanfaatkan pertumbuhan kuat dan experience dan
memberikan risk- kerjasama dengan bisnis jangka pendekatan mendigitalisasi
adjusted returns ekosistem digital panjang manajemen risiko proses bisnis dan
tertinggi and jaringan yang prudent model bisnis 14.3%
RoE #
(Konsumer & UKM cabang vs. 15.0% di 2023
* Kredit retail termasuk segmen konsumer dan UKM. # Definisi OJK, ROE dihitung berdasarkan modal tier 1 6
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Implementasi strategi jangka panjang yang disiplin menghasilkan kinerja
keuangan yang kuat dan berkelanjutan
PERTUMBUHAN PPOP YANG …PENGELOLAAN BIAYA YANG …PERBAIKAN KUALITAS ASET (%)
SEHAT… (RP TN) DISIPLIN (RP TN)
CAGR +4.2% CAGR +9.6%
3.6% 3.5%
10.5 CAGR -1.0% 2.8% 2.8%
9.5 10.4 10.4
8.6 8.4 0.9 1.4 1.3 2.0% 1.7%
1.0 1.2 1.4 2.8%
2.4%
7.4 7.0 6.9 7.1 7.1 7.0 1.7% 1.8%
1.0% 0.8%
2019 2020 2021 2022 2023 2024 2019 2020 2021 2022 2023 2024
2019 2020 2021 2022 2023 2024 Tech Expenses Personnel & Other Expenses NPL CoC
…MENDORONG PERTUMBUHAN LABA BERSIH …MENGHASILKAN ROE(1) 14.3%, DENGAN RASIO
YANG KUAT… (RP TN) PERMODAL YANG MENINGKAT (%) 22.9%
21.6% 22.3%
CAGR +11.3% 20.8% 21.1%
6.5 6.8 20.2%
5.0 15.0% 14.3%
4.2 12.6%
4.0 9.7% 10.7%
5.3%
2.0
2019 2020 2021 2022 2023 2024
2019 2020 2021 2022 2023 2024 ROE CET1 Ratio
(1) # Definisi OJK, ROE dihitung berdasarkan modal tier 1 7
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Perbaikan profitabilitas dan efesiensi secara struktural
KUALITAS ASET YANG KUAT, LEBIH PERBAIKAN EFISIENSI TREND PENINGKATAN TINGKAT
BAIK DARI RERATA INDUSTRI OPERASIONAL YANG SIGNIFIKAN PROFITABILITAS
NPL BRUTO BOPO ROA
CIMB NIAGA: 2019-2024, % CIMB NIAGA: 2019-2024, % CIMB NIAGA: 2019-2024, %
INDUSTRI: 2019-Nov 24, % INDUSTRI: 2019-11M24, % INDUSTRI: 2019-11M24, %
2.8%
81.1% 2.7%
82.4%
2.5% 2.5%
80.0% 2.5%
79.4%
2.2% 1.72%
74.0% 1.9%
1.8%
2019 2024 2019 2024 2019 2024
CIMB Niaga
Industry
8
Sumber: Bank Indonesia SSKI January 2024 dan OJK SPI November 2024 KBMI 3
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Memberikan pengalaman nasabah terbaik melalui strategi digital yang tepat
PENETRATION DIGITAL(1) APLIKASI MOBILE BANKING NPS(2) TERBAIK
(PENETRATION DIGITAL VS. ATM & BRANCH, %) (DIGITAL ENGAGEMENT PER DEC 2024) (NET PROMOTER SCORE)
71.0%
+47.2%
9.0x vs. 2019 #1
NPS DI PASAR
FREKUENSI TRANSAKSI PERBANKAN KONSUMER
INDONESIA
23.8%
6.2x vs. 2019 +32pts vs. 2019
NILAI TRANSAKSI
2019 2024
(1) Kanal Digital termasuk OCTO Mobile (Mobile Banking) and OCTO Clicks (Internet banking) 9
(2) Skor NPS mengukur tingkat kepuasan dan loyalitas nasabah. Diukur diantara bank-bank besar di Indonesia
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2025 Guidance Indikator Kunci 2024 Guidance 2024 Aktual 2025 Guidance Pertumbuhan Kredit 5% - 7% 6.9% 5% - 7% NIM 4.1% - 4.2% 4.1% 3.9% - 4.2% COC Dibawah 1% 0.8% 1.0% CIR Dibawah 45% 44.3% Dibawah 45% ROE (1) 14.5% - 15% 14.3% 14% - 15% Parios Pembayaran Dividen (2) n/a 50% Sampai dengan 60% (1) # Definisi OJK, ROE dihitung berdasarkan modal tier 1 (2) Rasio pembayaran dividen dihitung berdasarkan laba bersih bank only 10
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Divider: Financial Results
Kinerja Keuangan 2024
<Specify Data Classifications one of the following: 1) Highly Confidential 2) Confidential 3) Proprietary/Internal Use Only> 11
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Posisi keuangan - konsolidasi
(Rp tn) Dec-23 Sep-24 Dec-24 QoQ YoY
Kas & Investasi Jangka Pendek 24.35 22.12 21.20 (4.2%) (13.0%)
Obligasi Pemerintah & Efek Efek 80.00 96.79 93.81 (3.1%) 17.3%
Kredit 213.37 218.58 228.00 4.3% 6.9%
Jumlah Aset 334.37 354.30 360.22 1.7% 7.7%
Dana Murah (CASA) 150.63 170.73 172.07 0.8% 14.2%
Giro 73.20 88.70 91.79 3.5% 25.4%
Tabungan 77.43 82.03 80.28 (2.1%) 3.7%
Deposito 85.23 85.24 88.57 3.9% 3.9%
Simpanan Nasabah 235.86 255.97 260.64 1.8% 10.5%
Jumlah Liabilitas 285.18 302.26 307.22 1.6% 7.7%
Jumlah Ekuitas 49.19 52.04 53.00 1.8% 7.7%
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Kinerja keuangan - konsolidasi
(Rp bn) 4Q23 3Q24 4Q24 QoQ YoY 2023 2024 YoY
Pendapatan Bunga 5,592 6,173 6,204 0.5% 11.0% 22,306 24,227 8.6%
Beban Bunga (2,427) (2,820) (2,946) 4.4% 21.4% (8,954) (10,961) 22.4%
Pendapatan Bunga Bersih 3,165 3,352 3,259 (2.8%) 3.0% 13,352 13,267 (0.6%)
Pendapatan Selain Bunga 1,114 1,448 1,275 (11.9%) 14.5% 5,433 5,651 4.0%
Pendapatan Operasional 4,279 4,800 4,533 (5.6%) 6.0% 18,786 18,918 0.7%
Beban Operasional (2,007) (2,066) (2,108) 2.1% 5.0% (8,422) (8,383) (0.5%)
Pendapatan Operasional
2,271 2,734 2,425 (11.3%) 6.8% 10,364 10,534 1.6%
Sebelum Provisi
Beban Provisi (228) (492) (330) (33.0%) 44.9% (2,007) (1,805) (10.0%)
Laba Sebelum Pajak 2,044 2,241 2,095 (6.5%) 2.5% 8,357 8,729 4.4%
Laba Bersih 1,573 1,726 1,693 (1.9%) 7.6% 6,474 6,826 5.4%
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Ratio utama - konsolidasi (%) 4Q23 3Q24 4Q24 QoQ 2023 2024 YoY RoA 2.5% 2.6% 2.3% 2.6% 2.5% RoE # 13.9% 14.3% 13.6% 15.0% 14.3% NIM 4.05% 4.07% 3.88% 4.40% 4.09% Cost of Credit (CoC) 0.54% 0.99% 0.80% 1.03% 0.84% Risk Adjusted NIM 3.51% 3.08% 3.08% 3.36% 3.24% Fee Income / Total Income 26.0% 30.2% 28.1% 28.9% 29.9% Cost to Income (CIR) 46.9% 43.0% 46.5% 44.8% 44.3% Rasio CASA 63.9% 66.7% 66.0% 63.9% 66.0% Loan to Deposit (LDR) 89.3% 84.3% 86.3% 89.3% 86.3% NPL bruto 2.0% 2.0% 1.8% 2.0% 1.8% NPL bersih 0.7% 0.7% 0.7% 0.7% 0.7% Loans at Risk (LaR) 11.2% 9.6% 8.6% 11.2% 8.6% Gross Impairment Ratio 5.1% 4.4% 4.1% 5.1% 4.1% NPL Coverage 292.1% 260.1% 270.0% 292.1% 270.0% LaR Coverage 50.3% 53.2% 54.7% 50.3% 54.7% Impaired Coverage 110.0% 116.1% 115.3% 110.0% 115.3% (1) # Definisi OJK, ROE dihitung berdasarkan modal tier 1 14
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Penyaluran kredit
KOMPOSISI KREDIT BERDASARKAN SEGMEN (%) PERTUMBUHAN KREDIT BERDASARKAN SEGMEN
KPR, 18.3% (Rp tn) Dec-23 Sep-24 Dec-24 QoQ YoY
Konsumer 71.85 73.97 75.75 2.4% 5.4%
Korporat
39.7% KPR 42.74 42.45 41.83 (1.5%) (2.1%)
Kartu Kredit
& KTA, 7.4% KPM 13.61 15.29 17.14 12.1% 26.0%
Rp228.00 tn
Kartu Kredit, Personal
loans, & Lain-lain 15.50 16.24 16.78 3.3% 8.3%
KPM, 7.5%
Korporat * 24.95 26.14 27.22 4.1% 9.1%
Komersial, UKM, Komersial * 32.91 33.34 34.49 3.4% 4.6%
15.1% 11.9%
UKM 83.61 85.13 90.54 6.4% 8.3%
Jumlah Kredit 213.37 218.58 228.00 4.3% 6.9%
KOMPOSISI KREDIT PERTUMBUHAN KREDIT
RETAIL(1) RETAIL (1) (YoY)
45.2% 6.4% Pembiayaan Syariah 55.24 60.73 60.29 (0.7%) 9.1%
15
(1) Retail termasuk segmen Konsumer dan UKM
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Simpanan nasabah
KOMPOSISI CASA BERDASARKAN SEGMEN (%) PERTUMBUHAN SIMPANAN NASABAH
(Rp tn) Dec-23 Sep-24 Dec-24 QoQ YoY
Korporat,
Dana Murah (CASA) 150.63 170.73 172.07 0.8% 14.2%
30.5%
Konsumer,
43.8% Giro 73.20 88.70 91.79 3.5% 25.4%
Rp172.07 tn
Komersial, Tabungan 77.43 82.03 80.28 (2.1%) 3.7%
9.3%
UKM, Deposito 85.23 85.24 88.57 3.9% 3.9%
16.5%
Jumlah Simpanan
Nasabah 235.86 255.97 260.64 1.8% 10.5%
KOMPOSISI CASA PERTUMBUHAN CASA
RETAIL (1) RETAIL (1) (YoY)
Simpanan Nasabah
60.3% 6.6% Syariah 44.92 53.23 54.68 2.7% 21.7%
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(1) Retail termasuk segmen Konsumer dan UKM
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Kualitas aset
TREND LOANS AT RISKS (LAR), % TREND NPL COVERAGE DAN LAR COVERAGE, %
11.2% 10.9% 10.2% 9.6%
2.0% 2.1% 8.6% LaR
2.1% 2.0% 292.1% 257.4% 253.1% 260.1% 270.0% NPL Coverage
1.8% NPL
5.0% 4.8% 4.5% 4.5% 4.1% Special Mention
4.2% 4.0% 3.6% 3.1% 2.7% Kat. 1 Restru Impairment
110.0% 113.5% 113.4% 116.1% 115.3%
Coverage
Dec-23 Mar-24 Jun-24 Sep-24 Dec-24
TREND BIAYA KREDIT (COC), %
53.2% 54.7% LAR Coverage
52.5%
0.96% 0.99% 50.3% 49.9%
0.82% 0.80%
0.54%
CoC
4Q23 1Q24 2Q24 3Q24 4Q24 Dec-23 Mar-24 Jun-24 Sep-24 Dec-24
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Posisi likuiditas dan permodalan
POSISI PENDANAAN DAN LIKUIDITAS YANG SEHAT, % PERMODALAN YANG KUAT, JAUH DIATAS BATAS
MINIMUM, %
24.0% 24.5% 23.4% 23.3% KPMM
22.7%
249.6% 245.5%
242.8%
231.9% 23.4%
225.5% LCR 22.9% 22.4% 22.3% KPMM Tier-1
21.6%
219.17 228.42
204.99 213.96
200.13
114.7% 119.9% 119.4% 120.5% 115.6% NSFR
ATMR, Rp tn
89.3% 84.2% 85.7% 84.3% 86.3% LDR
Dec-23 Mar-24 Jun-24 Sep-24 Dec-24 Dec-23 Mar-24 Jun-24 Sep-24 Dec-24
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Appendix
Lampiran
<Specify Data Classifications one of the following: 1) Highly Confidential 2) Confidential 3) Proprietary/Internal Use Only> 19
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Pilar keberlanjutan
CIMB Niaga is committed in integrating and harmonizing environmental, social, and governance (ESG)
aspects in its business activities and supporting a just transition, a low-carbon economy, the Paris Agreement, and the
Sustainable Development Goals
Sustainability Policy & Procedure
Disclosure on GHG emissions (Scope 1, 2, & 3)
Stakeholders outreach on sustainability Green Office Policy
(internal and external parties) Waste management initiatives
Member of Indonesia Sustainable Finance Sustainable Internal Carbon Pricing
Initiatives (IKBI) Action Human Rights Policy
Sustainable Finance Action Plan (RAKB) Renewable energy utilization
Publishing annual Sustainability Report since Net Zero Operationalization Policy
2012 aligned with various globally
recognized disclosure standard Sustainable Finance Policy & Procedure
Sustainability website High Sustainability Risk Sector List
The Cooler Earth Sustainability Series Sector Guidance
Stakeholder Identify and Monitor Sustainable Finance Portfolio
Sustainable
Engagement & Development of green and/or sustainability-linked
Business
Advocacy products
Adoption of No Deforestation, No Peat and No
Exploitation (NDPE)
Bank’s Vision and Mission on Sustainable Finance Net Zero 2050
Establishment of Sustainability and Integrated &
Climate Risk Units
Integrating sustainability values to Bank’s DNA CIMB Niaga Scholarship Program
Sustainability KPI for all employees, including Board of Community Link
Directors People With Disabilities Empowerment Program
Piloting of climate risk stress test Governance & Financial Literacy & Inclusion
CSR
Net Zero targets (2030 Targets) towards Net Zero by Risk Bamboo conservation & its carbon stock (C) measurement
2050 for the Coal, Cement, Palm Oil, Power, Oil & Stunting fundraising program
Gas, and Real Estate sectors
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Kinerja Keuangan Berkelanjutan Our Support to the Sustainability
Development Goals (SDGs)
“ Nearly 26% of Bank’s total financing supports
Sustainable Financing Products/Programs
climate action and sustainable development.” Sustainability-Linked Loans (SLL)
• Sustainability-Linked Loans (SLL) are a type of loan instrument that promotes the
1.06
0.38 achievement of ambitious, predetermined sustainability performance targets (SPT) by
MSME 46%
clients
5.63
Other Business Activities and/or
Sustainable Finance Program
Environmentally Sound Activities 22% • Sustainable Finance Program provides special rates for green and/or social financing
Management of Biological Natural Green Auto or Environmentally-Friendly Vehicle Financing
Resources and Sustainable Land Use • Green Auto Loan is a financing facility accustomed to electric-battery motorized vehicles
18%
Products that Can Reduce Resource as well as hybrid vehicles provided by our subsidiary CIMB Niaga Finance (CNAF)
26.99
10.76 Use and Produce less Pollution (Eco- Green Mortgage
efficient) 10%
Environmentally Friendly • Financing for green building certified housing and apartments
Transportation 2%
iB Mapan Savings with Waqf
Green Building 2% • Savings where waqf funds are channeled to water well projects, to support the provision
of clean water
Energy Efficiency 1% Solar Panel Financing & Green Merchants
13.02 • Provides solar panels financing using credit cards
• EDC in merchants identified meet the provision of sustainability criteria
Giro Kartini & Kartini Loan
• Current Account and MSME Loan products dedicated to womenpreneur and women
Metrics Dec 24 communities
Total KKUB Portfolio (Rp tn) 59.1 One House One Tree
• An initiative for mortgage customer to contribute for mother earth’s through tree planting
% Portion of KKUB Portfolio 25.9%
activity
Digital Credit Card
• Digital credit card issuance on OCTO Mobile to reduce plastic consumption
Data per 31 Desember 2024. 21
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Penghargaan 4Q24
Marketing Excellence Awards 2024 Top 20 Financial Institutions 2024 The 15th IICD Corporate Governance
• Excellence in Marketing Transformation The Best Performing Bank 2024 Based on Financial Conference and Award 2024
• Excellence in Marketing Performance 2022-2024 Top 50 Big Capitalization Public Listed Company
Marketing Leader of The Year Best CFO in Financial Institution 2024 Leadership in Corporate Governance PT Bank CIMB
Niaga Tbk 2024
Magnus Digital Indonesia The Finance Indonesian Institute for Corporate Directorship
ESG Awards 2024 Islamic Retail Banking Awards 11th Properti Indonesia Award 2024
Sectoral Champion Award Finance Best Islamic Retail Bank for Digital The Commended Sharia Mortgage Bank
Banking in Indonesia 2024
Investortrust Cambridge IFA Properti Indonesia
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Kegiatan CSR 4Q24
CIMB Niaga menyelenggarakan Pengukuhan Penerima Program Beasiswa Periode 2024-2026 CIMB Niaga selenggarakan Penganugerahan Program Community Link #JadiNyata 2024
kepada 50 mahasiswa yang berasal dari 23 Perguruan Tinggi di Indonesia. kepada 3 Ide Sosial Terbaik
CIMB Niaga memberikan bentuk kepedulian terhadap masyarakat melalui beberapa kegiatan, CIMB Niaga bersama 9 Bank yang tergabung dalam Forum Komunikasi Direktur Kepatuhan
yaitu: Program Donasi Stunting, Donasi Baju Layak Pakai dan Buku, Donasi Keagamaan dan Perbankan (FKDKP) kembali melakukan penanaman Bambu di Desa Ngargoretno, Magelang,
Bantuan Bencana Alam. Jawa Tengah sebagai bentuk dukungan pelestarian lingkungan Indonesia dan dukungan
terhadap Gerakan Nasional (GERNAS) 22 Tahun APUPPT – PPATK di tahun 2024.
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Dewan Komisaris
GLENN M.S. YUSUF *
DIDI SYAFRUDDIN YAHYA SRI WIDOWATI VERA HANDAJANI
Wakil Presiden Komisaris
Presiden Komisaris Komisaris Independen Komisaris
(Independen)
FARINA J.SITUMORANG DODY BUDI WALUYO NOVAN AMIRUDIN **
Komisaris Independen Komisaris Independen Komisaris
*) Ditunjuk sebagai Komisaris Independen Senior Bank melalui Keputusan Sirkuler Dewan Komisaris CIMB Niaga No. 011/DEKOM/KP/V/2024 per 6 Mei 2024 24
**) Diangkat pada RUPSLB tanggal 25 Oktober 2024 dan efektif setelah mendapat persetujuan dari OJK dan/atau terpenuhinya persyaratan yang ditetapkan dalam surat persetujuan OJK
Page 25
Direksi
LANI DARMAWAN LEE KAI KWONG JOHN SIMON FRANSISKA OEI PANDJI P. DJAJANEGARA
Presiden Direktur Direktur Strategi, Keuangan, & SPAPM Direktur Tresuri & Pasar Modal Direktur Kepatuhan, Corporate Direktur Perbankan Syariah
Affairs, & Hukum
TJIOE MEI TJUEN HENKY SULISTYO JONI RAINI RUSLY JOHANNES NOVIADY WAHYUDI
Direktur Operational & IT Direktur Manajemen Risiko Direktur Sumber Daya Manusia Direktur Perbankan Bisnis Direktur Perbankan Konsumer
25
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Struktur perusahaan
Kumpulan Wang
Khazanah Employees Provident Permodalan Nasional Persaraan Others
Nasional Berhad Fund Berhad (Diperbadankan)
21.5% 16.5% 6.4% 5.7% 49.9%
CIMB Group Holdings Berhad
100.0%
Public
CIMB Group Sdn Bhd
7.54% 92.46% (1)
83.28% 97.32%
Data per 31 Desember 2024. 26
(1) Termasuk PT Commerce Kapital 1.02%
Page 27
Kinerja saham dan peringkat perusahaan
Lembaga
Volume (Mn) Share Price (Rp) Kategori Peringkat
Pemeringkat
2,500 60 Outlook Stabil
50 Counterparty Risk Rating A3/P-2
2,000
40
Bank Deposits Baa1/P-2
1,500 30
Moody's Baseline Credit Assessment Baa3
20
1,000
10 Adjusted Baseline Credit Assessment baa1
500 0 Counterparty Risk Assessment A3(cr)/P-2(cr)
Feb-22
May-22
Aug-22
Feb-25
Feb-23
Feb-24
Aug-23
May-23
Aug-24
May-24
Nov-22
Nov-24
Nov-23 Issuer Rating Baa1
Outlook Stabil
Data per 19 Februari 2025 Corporate Rating idAAA
Harga saham Rp 1,695 / share
Pefindo Shelf Registration Bond Rating idAAA
Jumlah saham 25.14 bn shares
Kapitalisasi Pasar Rp 41.76 tn Subordinated Bonds IdAA
P/BV 0.83x
P/E 6.42x Sukuk Mudharabah idAAA(sy)
Sumber: Capital IQ 27
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Disclaimers
This Presentation is not intended to form the basis of any investment decision with respect to PT Bank CIMB Niaga Tbk (“CIMB Niaga” or the
“Company”), Neither this Presentation nor anything contained herein shall form the basis of, or be relied upon in connection with, any contract or
commitment whatsoever, This Presentation is based solely upon information, estimates and projections (the “Information”) of the Company, No
representation or warranty, express or implied, is or will be made by the Company in relation to, and no responsibility or liability is or will be
accepted by the Company as to the accuracy or completeness of, the Information or any other written or oral information made available, and any
liability therefore is hereby expressly disclaimed, The Company does not make any representation or warranty with respect to the accuracy or
completeness of the assumptions involved in producing this Presentation, The Company does not assume any responsibility for the independent
verification of the financial and other information contained in the assumptions, which are subject to business, economic and competitive
uncertainties and contingencies, Accordingly, no assurance can be given that any projections contained in the Information, this Presentation or
underlying the assumptions will be realized, Any variation between such projections and actual results may be material, This Presentation is
necessarily based upon financial, economic, market and other conditions as they exist and can be evaluated on the date hereof, This Presentation
and its contents are strictly confidential and must not be copied, reproduced, distributed, summarized, disclosed, referred to or passed to others at
any time without the prior written consent of the Company, In addition, organization changes over time often involved changes in the classifications
across CIMB Niaga’s current business segments which include consumer/retail, business and corporate. Due to rounding, numbers presented
throughout this and other documents may not add up precisely to the totals provided and percentages may not precisely reflect the absolute figures.
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Thank You
Terima kasih!
PT Bank CIMB Niaga Tbk
Investor Relations
Graha CIMB Niaga
Jl. Jend. Sudirman No. Kav 58
Jakarta 12190 - Indonesia
Tel. : (62-21) 270 0555
Email : investor.relations@cimbniaga.co.id
Website : investor.cimbniaga.co.id
29
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Bank Indonesia
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Bank Indonesia SSKI
p.8
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Bank Deposits
p.27
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