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Paparan Publik 2024 PT Bank CIMB Niaga Tbk Jakarta, 21 Februari 2024
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Agenda
Tentang CIMB Niaga 1
Progress Strategi dan Ikhtisar Kinerja 2
Kinerja Keuangan FY2023 3
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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
105 412 37 33 Rp 334 T Rp 49 T
Anak Usaha ATMs EDC, QR & E- Jumlah kredit Simpanan nasabah
(CNAF) commerce
34 3,893 544,056 Rp 213 T Rp 236 T
Nasabah Karyawan 51% RoE # KPMM/CAR
7.6 M 12,060 49% 15.0% 24.0%
DIGITAL CAPABILITIES SUSTAINABILITY DEVELOPMENT
Mobile Clicks OCTO Kontribusi transaksi
users users Pay Kanal digital Pembiayaan Rasio pembiayaan
berkelanjutan berkelanjutan
3.0 M 1.8 M 5.5 M 96%
UNIT USAHA SYARIAH TERBESAR
BERDASARKAN TOTAL ASET
55.5T 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 2023
Menghasilkan imbal hasil keuangan yang Kontribusi 45.4%
berkelanjutan kredit retail vs. 45.3% in Dec 22
1 2 3 4 5
63.9%
Rasio dana vs. 63.6% in Dec 22
murah
Fokus pada Peningkatan Disiplin dalam Penjagaan Pemanfaatan (CASA)
keahlian utama CASA pengelolaan modal dan teknologi
biaya keseimbangan informasi
44.8%
budaya risiko CIR vs. 44.9% in 2022
Akselerasi Menumbuhkan Mengelola biaya Menjaga resiliensi Memanfaatkan
pertumbuhan CASA baik di secara strategic bisnis dengan teknologi canggih
yang profitable segmen retail untuk mendanai menjaga posisi untuk 1.0%
dengan alokasi maupun non retail aspirasi permodalan yang meningkatkan CoC vs. 1.8% in 2022
modal pada pada memanfaatkan pertumbuhan kuat dan customer
segmen yang kerjasama dengan bisnis jangka pendekatan experience dan
memberikan risk- ekosistem digital panjang manajemen risiko mendigitalisasi
adjusted returns and jaringan yang prudent proses bisnis dan 15.0%
tertinggi cabang model bisnis RoE # vs. 12.6% in 2022
(Konsumer &
UKM
* Kredit retail termasuk segmen konsumer dan UKM. # Definisi OJK, ROE dihitung berdasarkan modal tier 1 6
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Progress implementasi yang baik pada semua pilar strategi kami
Pilar 1 – Fokus Pada Keahlian Pilar 2 – Peningkatan CASA Pilar 3 – Disiplin dalam
Utama Pengelolaan Biaya
Kontribusi kredit segmen retail (%) * Rasio CASA (%) CIR ** (%)
63.9% 49.1%
45.4%
39.0% 55.3% 44.8%
2019 2020 2021 2022 2023 2019 2020 2021 2022 2023 2019 2020 2021 2022 2023
Pilar 4a – Penjagaan Modal Pilar 4b – Keseimbangan Budaya Pilar 5 – Pamanfaatan Teknologi
Risiko Informasi
CAR (%) NPL bruto (%) Penetrasi Digital vs. ATM & Cabang (%) ***
24.0%
21.5% 2.8% 70.2%
2.0%
23.8%
2019 2020 2021 2022 2023 2019 2020 2021 2022 2023 2019 2020 2021 2022 2023
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* Kredit retail termasuk segmen konsumer dan UKM. ** Business as usual tidak termasuk: voluntary retirement program (2019) dan exceptional items (2021). *** Kanal Digital termasuk OCTO Mobile (Mobile
Banking) and OCTO Clicks (Internet banking)
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Ikhtisar kinerja 2023: Fokus pada pertumbuhan yang profitable dan berkualitas
REKOR LABA BERSIH TERTINGGI KREDIT YANG BERTUMBUH SEHAT PERTUMBUHAN JUMLAH NASABAH
YANG KUAT
Rp 6.5 triliun (+28.4% yoy) didorong Pertumbuhan yang sehat +8.5% yoy Pertumbuhan jumlah nasabah yang solid
oleh pertumbuhan aset, perbaikan didorong oleh pertumbuhan segmen +25.2% yoy yang merupakan sumber
kualitas aset yang berkelanjutan dan Konsumer, UKM, dan korporasi pertumbuhan CASA dimasa depan
efisiensi
KUALITAS ASET YANG SOLID POSISI PERMODALAN YANG KUAT PROGRES PENCAPAIAN YANG
YANG LEBIH CEPAT
Rasio NPL 1.96% terendah dalam Rasio permodalan (KPMM/CAR) COC 1.0% and ROE 15.0% #,
sejarah didorong oleh perbaikan di 24.0% jauh di atas persyaratan target kinerja tercapai 1 tahun lebih awal
semua aspek kualitas aset dan komposisi minimum regulasi dari aspirasi kami di tahun 2024
portofolio yang lebih baik
# Definisi OJK, ROE dihitung berdasarkan modal tier 1 8
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Akselerasi penciptaan nilai bagi pemegang saham
PENCAPAIAN LABA BERSIH TERTINGGI PENINGKATAN IMBAL HASIL BAGI PEMEGANG
SEPANJANG SEJARAH SAHAM
Laba Bersih (Rp tn) RoE #, %
+28.4%
vs. 2022
15.0%
12.6%
10.7%
9.0%
6.5
5.3%
5.0
4.1
3.6 RoA, % 2.6%
2.2%
1.9%
2.0 1.4%
1.1%
2019 2020 2021 2022 2023 2019 2020 2021 2022 2023
# Definisi OJK, ROE dihitung berdasarkan modal tier 1 9
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Meningkatkan customer experience dengan didukung oleh strategi digital
Jumlah Transaksi Finansial Digital Nilai Transaksi Digital (Rp tn) * Jumlah Pembukaan Tabungan di Kanal
(dalam juta) * Digital (dalam ribuan) *
4.7x 268.0 2.9x 457.7 3.6x
367.3
223.0
295.9
133.2 241.4 198.6
190.8
159.3
73.8 103.4
57.5
2019 2020 2021 2022 2023 2019 2020 2021 2022 2023 2021 2022 2023
INOVASI DIGITAL SEPANJANG 2023
Peluncuran Cross-border QRIS di Singapore setelah tahun sebelumnya di Thailand dan Malaysia
Pendaftaran Single Investor ID (SID) secara straight-through (no call back) untuk investor reksadana
dan obligasi
Integrasi Shopee-pay top up & BI-FAST di OCTO Mobile
Rebranding e-money dari Rekening Ponsel menjadi OCTO Pay
Peningkatan kapabilitas FX dengan opsi mata uang asing baru,diantaranya THB, CNY, SAR
Peningkatan fitur reksadana di OCTO Clicks: informasi produk, perbandingan produk dan kalkulator
kinerja
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* Kanal Digital termasuk OCTO Mobile (Mobile Banking) dan OCTO Clicks (Internet banking)
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2024 guidance Indikator Kunci 2023 Guidance 2023 Aktual 2024 Guidance Pertumbuhan Kredit 6% - 8% 8.5% 5% - 7% NIM 4.45% - 4.55% 4.4% 4.2% - 4.4% CoC 1.1% - 1.2% 1.0% 1.0% - 1.1% CIR Below 45.0% 44.8% Below 45% RoE # 14% - 16% 15.0% 15% - 16% # Definisi OJK, ROE dihitung berdasarkan modal tier 1 11
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Divider: Financial Results
Kinerja Keuangan 2023
<Specify Data Classifications one of the following: 1) Highly Confidential 2) Confidential 3) Proprietary/Internal Use Only> 12
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Posisi keuangan - konsolidasi
(Rp tn) Dec-22 Sep-23 Dec-23 QoQ YoY
Kas & Investasi Jangka Pendek 32.05 26.26 24.35 (7.3%) (24.0%)
Obligasi Pemerintah & Efek Efek 65.03 81.01 80.00 (1.2%) 23.0%
Kredit * 196.61 205.48 213.37 3.8% 8.5%
Jumlah Aset 306.75 329.13 334.37 1.6% 9.0%
Dana Murah (CASA) 144.43 156.96 150.63 (4.0%) 4.3%
Giro 70.34 77.24 73.20 (5.2%) 4.1%
Tabungan 74.09 79.72 77.43 (2.9%) 4.5%
Deposito 82.76 78.30 85.23 8.9% 3.0%
Simpanan Nasabah 227.19 235.26 235.86 0.3% 3.8%
Jumlah Kewajiban 261.56 281.86 285.18 1.2% 9.0%
Jumlah Ekuitas 45.19 47.27 49.19 4.1% 8.9%
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Kinerja keuangan - konsolidasi
(Rp mil) 4Q22 3Q23 4Q23 QoQ YoY 2022 2023 YoY
Pendapatan Bunga 5,092 5,710 5,592 (2.1%) 9.8% 19,114 22,306 16.7%
Beban Bunga (1,590) (2,357) (2,427) 2.9% 52.6% (5,638) (8,954) 58.8%
Pendapatan Bunga Bersih 3,502 3,352 3,165 (5.6%) (9.6%) 13,476 13,352 (0.9%)
Pendapatan Selain Bunga 1,279 1,136 1,114 (1.9%) (12.9%) 5,390 5,433 0.8%
Pendapatan Operasional 4,781 4,488 4,279 (4.7%) (10.5%) 18,866 18,786 (0.4%)
Beban Operasional * (2,222) (2,077) (2,007) (3.4%) (9.7%) (8,473) (8,422) (0.6%)
Pendapatan Operasional
2,559 2,411 2,271 (5.8%) (11.2%) 10,393 10,364 (0.3%)
Sebelum Provisi *
Beban Provisi (999) (249) (228) (8.6%) (77.2%) (3,814) (2,007) (47.4%)
Laba Sebelum Pajak 1,560 2,162 2,044 (5.5%) 31.0% 6,579 8,357 27.0%
Laba Bersih 1,199 1,669 1,573 -5.8% 31.2% 5,042 6,474 28.4%
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Ratio utama - konsolidasi (%) 4Q22 3Q23 4Q23 QoQ 2022 2023 YoY RoA 2.0% 2.6% 2.5% 2.2% 2.6% RoE # 11.7% 15.3% 13.9% 12.6% 15.0% NIM 4.90% 4.33% 4.05% 4.69% 4.40% Cost of Credit (CoC) 1.94% 0.37% 0.54% 1.85% 1.03% Risk Adjusted NIM 2.96% 3.96% 3.51% 2.84% 3.36% Fee Income / Total Income 26.8% 25.3% 26.0% 28.6% 28.9% Cost to Income (CIR) 46.5% 46.3% 46.9% 44.9% 44.8% Rasio CASA 63.6% 66.7% 63.9% 63.6% 63.9% Loan to Deposit (LDR) 85.6% 86.4% 89.3% 85.6% 89.3% NPL bruto 2.8% 2.4% 2.0% 2.8% 2.0% NPL bersih 0.8% 0.7% 0.7% 0.8% 0.7% Loans at Risk (LaR) 15.1% 12.7% 11.2% 15.1% 11.2% Gross Impairment Ratio 7.1% 5.9% 5.1% 7.1% 5.1% NPL Coverage 242.7% 267.1% 292.1% 242.7% 292.1% LaR Coverage 44.5% 50.4% 50.3% 44.5% 50.3% Impaired Coverage 94.7% 108.8% 110.0% 94.7% 110.0% # Definisi OJK, ROE dihitung berdasarkan modal tier 1 15
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Penyaluran kredit
Komposisi kredit berdasarkan segmen Pertumbuhan kredit berdasarkan segmen
UKM, (Rp tn) Dec-22 Sep-23 Dec-23 QoQ YoY
KPR,
11.7%
20.0% Konsumer 67.19 70.21 71.85 2.3% 6.9%
Komersial, KPR 41.79 42.71 42.74 0.1% 2.3%
Kartu Kredit,
15.5% KPM 11.76 12.93 13.61 5.2% 15.7%
KTA dan
Rp 213.37 tn Lainnya, 7.3% Kartu Kredit,
Personal loans, & 13.65 14.57 15.50 6.4% 13.6%
Lain-lain
KPM, 6.4% Korporat * 74.72 79.51 83.43 4.9% 11.7%
Komersial * 31.91 31.88 33.14 4.0% 3.9%
Korporat,
39.1% UKM 22.79 23.88 24.95 4.5% 9.5%
Jumlah Kredit 196.61 205.48 213.37 3.8% 8.5%
LDR RASIO PEMBIAYAAN
SHARIA
89.3% 25.9% Pembiayaan Syariah 47.19 52.90 55.24 4.4% 17.0%
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Simpanan nasabah
Pertumbuhan (Rp tn) komposisi CASA (%) Pertumbuhan simpanan nasabah
144.43 150.63
(Rp tn) Dec-22 Sep-23 Dec-23 QoQ YoY
Dana Murah (CASA) 144.43 156.96 150.63 (4.0%) 4.3%
64.6% Retail Giro 70.34 77.24 73.20 (5.2%) 4.1%
62.2%
CASA
Tabungan 74.09 79.72 77.43 (2.9%) 4.5%
Deposito 82.76 78.30 85.23 8.9% 3.0%
37.8% Non-Retail
35.4% Simpanan Nasabah 227.19 235.26 235.86 0.3% 3.8%
CASA
Simpanan Nasabah
Syariah 39.51 42.72 44.92 5.1% 13.7%
Dec 22 Dec 23
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* Retail termasuk segmen konsumer dan UKM
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Kualitas aset
Trend Perbaikan Loans at Risks (LAR), % Trend Peningkatan NPL Coverage dan LaR Coverage, %
15.1%
13.9% 13.3% 12.7%
2.8% 11.2% LaR
2.6% 2.5% 292.1%
2.4% 267.1%
2.0% 253.5% 261.9% NPL Coverage
5.7% 5.4% NPL 242.7%
5.7% 5.6% 5.0% Special Mention
6.6% 5.9% 5.1% 4.7% 4.2% Cat. 1 Restru
Dec-22 Mar-23 Jun-23 Sep-23 Dec-23
Trend Perbaikan Biaya Kredit (CoC), %
1.8% 49.2% 50.4% 50.3%
1.6% 47.0% LaR Coverage
1.5% 44.5%
1.2%
1.0%
CoC
2022 3M23 1H23 9M23 2023 Dec-22 Mar-23 Jun-23 Sep-23 Dec-23
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Posisi likuiditas dan permodalan
Posisi pendanaan dan likuiditas yang sehat, % Permodalan yang kuat, jauh diatas batas minimum, %
22.2% 21.3% 23.2% 23.8% 24.0% KPMM/CAR
267.7%
254.9% 255.9% 249.6%
230.9% 22.7% 22.9% KPMM Tier-1
LCR 22.1%
21.1%
20.2%
213.66
195.72 192.56 191.97 200.13 RWA, Rp tn
120.1% 117.8% 119.8% 119.2% 114.7%
NSFR
85.6% 86.0% 86.4% 89.3%
82.2%
LDR
Dec-22 Mar-23 Jun-23 Sep-23 Dec-23 Dec-22 Mar-23 Jun-23 Sep-23 Dec-23
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Appendix
Lampiran
<Specify Data Classifications one of the following: 1) Highly Confidential 2) Confidential 3) Proprietary/Internal Use Only> 20
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Pilar Sustainability CIMB Niaga
CIMB Niaga is committed in integrating and harmonizing environmental, social, and governance (ESG)
aspects in its business activities and supporting the Sustainable Development Goals (SDGs)
Sustainability Policy & Procedure
Stakeholders outreach on sustainability
Disclosure on GHG emissions (Scope 1, 2, & 3)
(internal and external parties)
Green Office Policy
Member of Indonesia Sustainable Finance
Waste Management Initiatives
Initiatives (IKBI) Sustainable Internal Carbon Pricing
Sustainable Finance Action Plan (RAKB) Action
Human Rights Policy
Publishing annual Sustainability Report
since 2012 aligned with various globally
recognized disclosure standard Sustainable Finance Policy & Procedure
Sustainability website High Sustainability Risk Sector List
The Cooler Earth Sustainability Summit Stakeholder
Sector Guidance
Sustainable Identify and Monitor Sustainable Finance
Engagement &
Business Portfolio
Advocacy
Bank’s Vision and Mission on Sustainable Finance
Development of green and/or sustainability-
Establishment of Sustainability & Climate Risk
linked products
Units
Adoption of NDPE
Integrating sustainability values to Bank’s DNA Net Zero 2050
Sustainability KPI for all employees, including
Board of Directors
Financed emissions disclosure Community Link
Piloting of climate risk stress test People With Disabilities Empowerment Program
Net Zero targets (2030 Targets) towards Net Zero Financial Literacy & Inclusion
by 2050 for the Palm Oil, Power, Coal and Governance &
CSR Bamboo conservation & its carbon stock (C)
Risk
Cement sectors measurement
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Kinerja Keuangan Berkelanjutan
Sustainable financing
products offered:
“25.9% of Bank’s total financing supports Sustainability-Linked Loans (SLL)
climate action and sustainable development.” • Sustainability-Linked Loans (SLL) are a type of loan instrument that
promotes the achievement of ambitious, predetermined sustainability
performance targets (SPT) by clients
METRICS Dec 23
Sustainable Finance Program
Total SF Portfolio (IDR T) 55.46 • Sustainable Finance Program provides special rates for green and/or
social financing
% Portion of SF Portfolio 25.9%
1.06 Green Mortgage
2.83 0.46
MSME (39.6%) • Mortgage financing for green building certified housing and apartments
6.48
Other Sustainable Activities (28.8%)
21.95 Sustainability Market Linked Deposit
• Deposit Structured Product linked into sustainable financing
Management of Biological Natural Giro Kartini
Resources and Sustainable Land Use • Current Account Product dedicated to womenpreneur and women
(11.8%) communities
Products that Can Reduce Resource Use
6.53
and Produce Less Pollution (11.7%)
Sustainability-linked Waqf Savings
Environmentally Friendly Transportation • iB Mapan Wakaf Savings where waqf funds are channeled to water well
(5.1%) projects, to support the provision of clean water.
Green Building (1.9%)
Solar Panel Financing
15.96 • In collaboration with Sunterra and ATW solar panel provides a special offer
to CIMB Niaga credit card holders when purchasing rooftop Solar Power
Plant. 22
*Data per December 2023
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Penghargaan 4Q23
Annual Report Award 2022 Indonesia Best Corporate Sustainability Islamic Retail Banking Awards 2023
Best Overall Annual Report Award 2022 Initiative 2023 Category: Islamic Retail Bank for Priority Banking in
Most Engaging Sustainability Initiative 2023, Category: Indonesia 2023
Cause Promotion
National Committee for Governance Policy (KNKG) MIX Marketing & Communication Cambridge IFA
Asian Banking & Finance Retail Banking Marketers Editor's Choice Awards 2023 Indonesia Digital Innovation and Achievement
Awards 2023 OCTO Mobile: Product Improvement in Banking Apps Awards 2023
Banking for Women initiative of The Year - Indonesia of The Year Best Digital Technology and IOT Implementation 2023 in
Multinational Banking
Best Senior Executive Indonesia Digital Innovation and
Achievement of The Year 2023 - Philipp Mulyono
Asian Banking & Finance Markplus Business Asia Indonesia
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Penghargaan 4Q23..con’t
Indonesia Brand Communications Visa Indonesia Client Forum 2023 Awards Digital Financial Excellent Awards 2023
Championship and Brand Guardianship 2023 Acquirer with The Highest Number of e-Commerce /
CNP Transactions
The Biggest Cardholder in Credit Infinite
Acquirer with The Highest Visa Direct Volume
MIX Marketing & Communication VISA Media Asuransi
SWA Indonesia Customer Service Champion Retail Banking International - Asia Trailblazer Property Indonesia Award 2023
2023 Awards 2023 Category: Property Supporting Business - Sub Category:
Indonesia Customer Service Champions 2023- Best Current Account Offering - CIMB Niaga Highly Banking
Predicate Very Good Commended KPR CIMB Niaga Sharia as The Progressive Sharia Bank
Best CSR Initiative Contribution to Local Community for Mortgage
Best CSR Initiative Environment Impact
SWA Magazine Retail Banking International Media Properti Indonesia (MPI) Group
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Penghargaan 4Q23..con’t
SWA Indonesia Customer Experience SWA Indonesia Digital Marketing Champion SWA Sales Team Champion 2023
Champion 2023 2023 Indonesia Sales Team Champions 2023 - Predicate
Indonesia Customer Experience Champions 2023 - Indonesia Digital Maeketing Champions 2023 Excellent
Predicate Very Good
SWA Magazine SWA Magazine SWA Magazine
Museum Rekor Dunia Indonesia (MURI)
Category: The First Sharia Digital Financing
Card inIndonesia
MURI
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Kegiatan corporate social responsibility 4Q23
3 November 2023. CIMB Niaga selenggarakan Inaugurasi Program Beasiswa 24 November 2023. CIMB Niaga melakukan Pelatihan Kewirausahaan dan Kemitraan
CIMB Niaga Periode 2023 – 2025 kepada 50 mahasiswa yang berasal dari 18 Seraya kepada 30 disabilitas. Pada akhir program, 3 disabilitas terpilih akan mendapatkan
universitas di Indonesia bantuan modal sebagai wirausahawan disabilitas.
20 November 2023. Seremoni peresmian program kerja sama CIMB Niaga dengan 23 – 26 November 2023. CIMB Niaga selenggarakan Volunteering ke Desa Boti,
UNICEF dalam penanganan gizi buruk untuk cegah stunting dengan target jangkauan Kupang – NTT dengan membawa misi mengajar dan berbagi yang diikuti oleh 20 Volunteer
1.000 anak gizi buruk di 22 Kabupaten/Kota di NTT. yang terdiri dari penerima beasiswa CIMB Niaga dan pemenang ABCDE Challenge.
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Dewan Komisaris
GLENN M.S. YUSUF
DIDI SYAFRUDDIN YAHYA JEFFREY KAIRUPAN * SRI WIDOWATI
Wakil Presiden Komisaris
Presiden Komisaris Komisaris (Independen) Komisaris (Independen)
(Independen)
DATO’ ABDUL RAHMAN AHMAD VERA HANDAJANI FARINA J.SITUMORANG
Komisaris Komisaris Komisaris (Independen)
*) Diangkat sebagai Komisaris Independen Senior melalui Keputusan Sirkular Dewan Komisaris CIMB Niaga No. 014/DEKOM/KP/VI/2019 pada tanggal 28 June 2019 27
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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 Operasional & IT Direktur Manajemen Risiko Direktur Sumber Daya Manusia Direktur Perbankan Bisnis Direktur Perbankan Konsumer
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Struktur perusahaan
Khazanah Employees Provident Kumpulan Wang
Permodalan Nasional Persaraan Others
Nasional Berhad Fund Berhad (Diperbadankan)
23.0% 13.8% 11.1% 6.0% 46.1%
CIMB Group Holdings Berhad
100.0%
Public
CIMB Group Sdn Bhd
7.50% 92.50%*
83.28% 97.32%
Data per 31 December 2023. * Termasuk PT Commerce Kapital 1.02% 29
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Kinerja saham dan peringkat perusahaan
160.mm Volume Share Pricing Lembaga Kategori Peringkat
1900
140.mm Outlook Positive
1700
120.mm
1500 Counterparty Risk Rating Baa1/P-2
100.mm
1300 Bank Deposits Baa2/P-2
80.mm
1100 Moody's Baseline Credit Assessment Baa3
60.mm
900 Adjusted Baseline Credit Assessment Baa2
40.mm
20.mm 700 Counterparty Risk Assessment Baa1(cr)/P-2(cr)
0 500 Issuer Rating Baa2
Jan-22
May-22
Nov-23
Jan-24
Apr-21
Jun-21
Oct-21
Oct-23
Oct-22
Apr-23
Jun-23
Nov-21
Sep-22
Mar-22
Jul-22
Dec-22
Feb-21
Aug-21
Feb-23
Aug-23
Outlook Stable
Data per 20 February 2024 Corporate Rating idAAA
Harga saham Rp 1,980 / share Pefindo Shelf Registration Bond Rating idAAA
Jumlah saham 25.13 bn shares
Subordinated Bonds IdAA
Kapitalisasi pasar Rp 49.43 tn
P/BV 1.07x Sukuk Mudharabah idAAA(sy)
Source: Capital IQ 30
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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.
31
Page 32
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
32
Names mentioned 17 people and organisations named in the text · linked when the evidence is strong
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Bank Deposits
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