Analyst Presentation 3Q 2020

(1)

Analyst Presentation

9M 2020 Results (Unaudited)

Jakarta, 6 November 2020

1

(2)

Final Remarks CEO Remarks

9M20 Financial Performance

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3

Key Highlights

Deposits increased 11.3% YoY with CASA grew 25.1% YoY raising CASA ratio to 60.31%

Loans demand was still weak – however there were growths in select products of Consumer Banking

Operating Expenses decreased by 3.2%

^{^}

YoY and brought CIR to 48.88%

NPL ratio increased by 127 bps YoY

PBT decreased by 34.6% YoY attributed to higher Provision Expenses ROA and ROE at 1.28% and 6.20% respectively

CAR and liquidity remained strong with CAR at 20.88% and LDR at 83.89%

Note: ^ Excludes MSS Cost

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4

-40.0

-20.0 0.0 20.0 40.0 60.0

Sep-15 Dec-15 Mar-16 Jun-16 Sep-16 Dec-16 Mar-17 Jun-17 Sep-17 Dec-17 Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 Jun-19 Sep-19 Dec-19 Mar-20 Jun-20 Sep-20

-15.0 -10.0 -5.0 0.0 5.0 10.0

Dec-15 Mar-16 Jun-16 Sep-16 Dec-16 Mar-17 Jun-17 Sep-17 Dec-17 Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 Jun-19 Sep-19 Dec-19 Mar-20 Jun-20 Sep-20

Private Consumption Fixed Investment

-10.0 -5.0 0.0 5.0 10.0

Dec-15 Mar-16 Jun-16 Sep-16 Dec-16 Mar-17 Jun-17 Sep-17 Dec-17 Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 Jun-19 Sep-19 Dec-19 Mar-20 Jun-20 Sep-20

Macroeconomics

Source: Capital IQ, BPS

14,848

90 110 130

11,000 13,000 15,000 17,000

Sep-15 Dec-15 Mar-16 Jun-16 Sep-16 Dec-16 Mar-17 Jun-17 Sep-17 Dec-17 Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 Jun-19 Sep-19 Dec-19 Mar-20 Jun-20 Sep-20

Reserve USD/IDR

%, YoY

Slower than expected recovery on the back of global slowdown and subdued domestic purchasing power

%, QoQ

Aggressive fiscal measures and easing lockdown helped to nudge up private consumption and fixed investment but outlook remain challenging

%, YoY

Export dragged by global lockdown and demand shock

USD/IDR

Supportive monetary measures and increased

forex reserve helped easing some pressure on IDR

^{USD, Bn.}

135

8.45

Monthly export growth (%) Quarterly GDP growth (%)

-3.49

4.70

-0.51

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5

Navigating Covid-19

For Our Employee For Our Customer For Our Community

Split operation and work from home Daily staff monitoring & managing confirmed and suspected cases

Postponements of events and gatherings

Workplace safety & health assurance

Vitamin and additional allowance for staffs working in office

Travel restrictions and quarantine requirements

Staff engagement and awareness

Customer relief programs

Customer engagement &

communication

Revamp customer journeys Drive customer digital adoption

Add and enhance apps features

Protective equipment donation to frontline healthcare workers

Launching #solidlawancovid fundraising campaign

Donation of basic needs to multiple cities

Education on how to do

activities in ‘new normal’

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Deliver Sustainable Financial Returns

ASPIRATION

To be the bank of choice for Indonesian Businesses and Consumers

Playing to Our

Strengths Expanding CASA

Franchise Discipline in Cost

Management Preservation of Capital &

Balanced Risk Culture

• Grow share in Consumer and SME loans and deposits

• Refine COBA & COMBA assets strategy

• Formulate and optimize RWA allocation

• Grow Treasury & WM products penetration

• Focus on Preferred and Payroll segments in Consumer Banking

• Optimize relationships in all segments of Business Banking

• Enhance Transaction Banking

• Increase branch productivity

• Leverage Analytics to define target customers

• Continue building digital capabilities

• Establish Future proof organization

• Push for infrastructure efficiency

• G&A Costs Optimization

• Optimize marketing spending

• Streamline outsourcing costs

• CAPEX prioritization

• Analytics based, advanced technology & data driven risk mgt

• World-class risk infrastructure

• Embed balanced risk culture in daily operations

• Optimize capital utilization to support growth

1 2 3 4 Leverage Information

Technology

• Digital channels and development

• Smart IT CAPEX investment to support key segments/products

• AI@Scale – Decision Management &

Advanced Analytics

• Risk analytics predictive tools

• IT & cyber security 5

Simplify

Governance Customer

Centricity Transform

Fundamentals Sustainability

Continue 5 Pillar Strategy Execution Beyond Covid-19

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7

Final Remarks CEO Remarks

9M20 Financial Performance

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Financial Position – Consolidated

(Rp tril) Sep-19 Jun-20 Sep-20 QoQ YoY

Cash & Short Term Funds 21.67 23.54 29.21 24.1% 34.8%

Gov’t Bonds & Marketable Securities 36.14 48.88 55.22 13.0% 52.8%

Loans 191.67 186.08 180.85 (2.8%) (5.6%)

Loan Provision BS (5.53) (10.80) (11.29) 4.5% 104.2%

Fixed & Other Assets 18.87 26.72 27.71 3.7% 46.8%

Total Assets 262.82 274.42 281.70 2.7% 7.2%

Current Account 45.73 59.76 62.01 3.8% 35.6%

Savings Account 56.43 64.56 65.77 1.9% 16.6%

Time Deposit & Structured Deposits 88.17 79.37 84.08 5.9% (4.6%)

Total Customer Deposits 190.33 203.69 211.86 4.0% 11.3%

Other Liabilities 30.21 31.01 29.79 (3.9%) (1.4%)

Total Liabilities 220.54 234.70 241.65 3.0% 9.6%

Equity 42.28 39.72 40.05 0.8% (5.3%)

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9

Income Statement

(Rp bil) 2Q20 3Q20 QoQ 9M19^ 9M20 YoY

Interest Income 5,210 5,089 (2.3%) 16,302 15,589 (4.4%)

Interest Expense (2,075) (2,033) (2.0%) (6,830) (6,331) (7.3%)

Net Interest Income 3,135 3,056 (2.5%) 9,472 9,258 (2.3%)

Non Interest Income 951 921 (3.2%) 3,213 3,023 (5.9%)

Operating Income 4,086 3,977 (2.7%) 12,685 12,281 (3.2%)

Operating Expenses (1,968) (2,020) 2.6% (6,205) (6,004) (3.2%)

Pre Provision Operating Profit 2,118 1,957 (7.6%) 6,480 6,277 (3.1%)

Provision Expenses (1,277) (1,602) 25.5% (2,466) (3,653) 48.1%

PBT 841 355 (57.8%) 4,014 2,624 (34.6%)

PBT as reported 841 355 (57.8%) 3,655 2,624 (28.2%)

Net Profit 689 120 (82.6%) 2,948 1,864 (36.8%)

Net Profit as reported 689 120 (82.6%) 2,679 1,864 (30.4%)

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Key Ratios

(%) 2Q20 3Q20 QoQ 9M19^ 9M20 YoY

ROA 1.02 0.17 1.48 0.91

ROE (shareholders’ fund) 6.91 1.18 9.52 6.20

NIM 5.08 4.71 5.37 4.93

Fee Income / Total Income 23.28 23.17 25.33 24.62

Cost to Income (CIR) 48.17 50.79 48.92 48.88

CASA Ratio 61.03 60.31 53.67 60.31

Loan to Deposit (LDR) 89.84 83.89 99.02 83.89

Gross NPL 3.89 3.89 2.62 3.89

Net NPL 1.87 1.52 1.30 1.52

Cost of Credit 3.01 3.18 1.79 2.56

Gross Impairment Ratio 5.18 4.98 3.10 4.98

Loan Loss Coverage 159.37 163.38 111.86 163.38

Impaired LLC 117.71 125.38 93.26 125.38

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11

4,387 4,139 4,219 4,086 3,977

12,685 12,281

1,337 1,298 1,429 841 355

4,014 2,624

3Q19 4Q19 1Q20 2Q20 3Q20 9M19 9M20

Operating Income PBT

9.18% 8.91% 10.58%

6.91%

1.18%

9.52%

6.20%

3,155 3,096 3,068 3,135 3,056

9,472 9,258

1,232 1,043 1,151 951 921

3,213 3,023

3Q19 4Q19 1Q20 2Q20 3Q20 9M19 9M20

NII NoII

5.29% 5.14% 5.02% 5.08%

4.71%

5.37%

4.93%

Operating Income & PBT (Rp bil)

Quarterly and YoY Earnings Trend

^

ROE (shareholders’ fund)

NIM

NII & NoII (Rp bil)

(12)

Deposits Growth

88.17 79.37 84.08

45.73 59.76 62.01

56.43 64.56 65.77

190.33 203.69 211.86

Sep-19 Jun-20 Sep-20

Saving Account (31.04%) Current Account (29.27%) Time Deposits & Structured Deposits (39.69%)

CASA (Rp tril) and CASA Ratio (%)

Deposit (Rp tril) ^QoQ ^YoY

1.9%

3.8%

5.9%

16.6 %

35.6%

(4.6%) 4.0% 11.3 %

102.16 124.32 127.78

53.67 61.03 60.31

30 (40)

160 Sep-19 Jun-20 Sep-20

CASA (Rp tril) CASA Ratio (%)

YoY +664bps QoQ

-72bps

2.8% 25.1 %

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13

Loans Growth

Segment (Rp tril) Sep 19 Jun 20 Sep 20 QoQ YoY

Consumer Banking (30.31%) 52.64 53.88 54.82 1.7% 4.1%

 Mortgages 32.82 34.67 35.41 2.1% 7.9%

 Credit Cards 9.23 8.69 8.82 1.5% (4.4%)

 Auto Loans 6.27 6.46 6.71 3.9% 7.0%

 Personal Loan & Others 4.32 4.06 3.88 (4.4%) (10.2%)

SME Banking (10.98%) 21.69 20.12 19.86 (1.3%) (8.4%)

Commercial Banking (21.16%) 45.78 40.45 38.27 (5.4%) (16.4%) Corporate Banking (37.55%) 71.56 71.63 67.90 (5.2%) (5.1%)

Total (100.00%) 191.67 186.08 180.85 (2.8%) (5.6%)

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101 123 305 315 147 399 768

310 286

313 255

262

1,034

830

90 128

148 233

295

317

676

129 67

162 37 79

378

278

101 116

112 61 64

327

237

501 325

111 49 74

758 234

3Q19 4Q19 1Q20 2Q20 3Q20 9M19 9M20

Recovery Income Card Related Bancassurance Gain (Loss) from MS Fee & Commission FX and Derivatives 1,232

1,043 1,151

951 921

3,213

3,023

Non Interest Income

Non Interest Income Breakdown (Rp bil)

 QoQ NoII lower 3.2% due to increasing impact of Covid-19 pandemic

 Overall NoII declined 5.9% YoY in 9M20 despite strong results from FX & Derivative and Gain (Loss) from

Marketable Securities

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15

Operating Expenses & Cost to Income Ratio

YTD CIR (%)

Rp bil 2Q20 3Q20 QoQ 9M19 9M20 YoY

Personnel 1,076 1,043 (3.1%) 3,218 3,245 0.8%

Other Expenses 892 977 9.5% 2,987 2,759 (7.6%)

Total 1,968 2,020 2.6% 6,205 6,004 (3.2%)

(%) 2Q20 3Q20 QoQ 9M19 9M20 YoY

Cost to Income 48.17% 50.79% +262bps 48.92% 48.88% -4bps

48.92% 49.07%

47.78% 47.97%

48.88%

Sep 19 ^ Dec 19 ^ Mar 20 Jun 20 Sep 20

^

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2.2% 2.2% 2.7% 2.6% 2.0%

4.3% 4.4% 4.8% 4.9% 5.2%

2.2% 2.0% 2.2% 2.5% 2.0%

Sep 19 Dec 19 Mar 20 Jun 20 Sep 20

Asset Quality Management

Gross NPL (%) by Segment Asset Quality (%)

1.9% 2.4% 2.6%

4.6% 5.1%

Corporate Commercial

SME Consumer

Loans by Collectability (% of Total Loan)

Current Loan 94.22%

Spc Mention 3.16%

NPL 2.62%

Sep 19

Current Loan 91.63%

Spc Mention 4.48%

NPL 3.89%

Sep 20

Sep-19 Dec-19 Mar-20 Jun-20 Sep-20

Gross NPL 2.6% 2.8% 3.0% 3.9% 3.9%

Net NPL 1.3% 1.3% 1.6% 1.9% 1.5%

Gross Impairment Ratio 3.1% 3.8% 4.4% 5.2% 5.0%

Impaired LLC 93.3% 82.0% 130.0% 117.7% 125.4%

Loan Loss Coverage 111.9% 113.6% 191.1% 159.4% 163.4%

191.7 Rp tril

Rp 180.9

tril Current Loan

90.93%

Spc Mention 5.18%

NPL 3.89%

Jun 20

Rp 186.1

tril

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17

Covid-19 Loan Restructuring as of 3Q 2020

24%

26%

14%

36%

Corporate Commercial SME Consumer

Restructured Loans

Rp 28,619 bil

Proportion to Total Loans

10.15% 19.34% 19.98% 18.89%

89.85% 80.66% 80.02% 81.11%

Corporate Commercial SME Consumer

Non-Restructured Loans Restructured Loans

67.90 38.27 19.86 54.82

Total Loans (Rp trill)

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19.96 20.20

18.14 18.76 19.66

1.25 1.27

1.25 1.21 1.22

Tier 2 Tier 1

Capital Ratios

Total Equity (Rp tril) CAR (%) – Consolidated

20.88 21.21

19.97 21.47

19.39

42.3 43.3

40.0 39.7 40.1

Capital Adequacy Ratio (%) Sep 19 Jun 20 Sep 20

CAR with Credit Risk 25.03 24.02 25.13

Market Risk (0.25) (0.34) (0.24)

Operational Risk (3.57) (3.71) (4.00)

Total CAR 21.21 19.97 20.88

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CIMB Niaga: 9M 2020 Results

Consumer Banking

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Products QoQ YoY

TOTAL 1.7% 4.1%

(4.4%) (10.2%)

3.9% 7.0%

1.5% (4.4%)

2.1% 7.9%

Consumer Banking

Total Loans by Products (Rp tril)

52.64 53.88 54.82

Total Deposits (Rp tril)

98.88 106.55 105.14

Products QoQ YoY

TOTAL (1.3%) 6.3%

(5.8%) (6.0%)

1.9% 16.4%

54.46 62.20 63.38

44.42 44.35 41.76

Sep 19 Jun 20 Sep 20

TD CASA

32.82 34.67 35.41

9.23 8.69 8.82

6.27 6.46 6.71

4.32 4.06 3.88

Sep 19 Jun 20 Sep 20

Personal Loan & Others (8%) Auto Loan (12%)

Credit Card (16%)

Mortgage (64%)

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CIMB Niaga: 9M 2020 Results

SME Banking

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SME Banking

Loans QoQ YoY

TOTAL (1.3%) (8.4%)

Total Loans (Rp tril)

21.69 20.12 19.86

Types QoQ YoY

TOTAL 5.5% 14.7%

19.3% (4.9%)

0.2% 26.5%

16.25 20.50 20.55

9.74 7.76 9.26

Sep 19 Jun 20 Sep 20

TD CASA

25.99 28.26 29.81

Total Deposits (Rp tril)

Sep 19 Jun 20 Sep 20

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CIMB Niaga: 9M 2020 Results

Commercial Banking

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Types QoQ YoY

TOTAL 8.1% 15.4%

15.5% 7.3%

3.8% 21.4%

10.01 11.70 12.15

7.37 6.85 7.91

Sep 19 Jun 20 Sep 20

TD CASA

Types QoQ YoY

TOTAL (5.4%) (16.4%)

(6.1%) (17.0%)

(3.7%) (15.1%)

14.28 12.60 12.12

31.50 27.85 26.15

Sep 19 Jun 20 Sep 20

Working Capital Investment

Commercial Banking

Total Loans by Types (Rp tril) 45.78

38.27 40.45

17.38 18.55 20.06

Total Deposits (Rp tril)

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CIMB Niaga: 9M 2020 Results

Corporate Banking

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Types QoQ YoY

TOTAL (5.2%) (5.1%)

(3.8%) (15.2%)

(6.0%) 1.7%

42.89 46.36 43.60

28.67 25.27 24.30

Sep 19 Jun 20 Sep 20

Working Capital Investment

Types QoQ YoY

TOTAL 9.6% 32.5%

21.8% (10.5%)

5.6% 61.7%

Corporate Banking

25.69 31.05 34.03

Total Deposits (Rp tril)

Total Loans by Types (Rp tril)

71.56 71.63 67.90

15.28 23.40 24.71

10.41

7.65 9.32

Sep 19 Jun 20 Sep 20

TD

CASA

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CIMB Niaga: 9M 2020 Results

Digitalization

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OCTO Mobile/Clicks

OCTO Sales

[SFT/CRM]

Customer Super App to pay, save, borrow, invest & insure

Digitally enable sales force with leads management, on boarding,

leads & customer 360º

Biz Channel

Digital platform for Business Banking Customers

OCTO RM Bench

Enable RMs to digitally access clients and product information, manage leads and activities, and

obtain insights

RPA

Automate large volume repetitive operations

Build Digital Leaderships in Indonesia

Digital Lounge

New-age banking method to

create an “interactional experience”

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29

Enabling Transaction through Digital Channels

8,833 8,659

7,557 7,681

4,980

6,565 7,611

9,575

215 201 202

236 29.2 30.6 32.7 33.0

Sep 19 Dec 19 Jun 20 Sep 20

24.0 26.4

31.6 33.1

Sep 19 Dec 19 Jun 20 Sep 20

46.4 52.9 58.2 59.2

Sep 19 Dec 19 Jun 20 Sep 20

CASA Balance (Rp tril) Monthly Trx. Volume (in Rp bil for Octo Mobile & Octo Clicks, in Rp tril for BizChannel)

(13.0%) YoY

13.0% YoY

92.3% YoY

37.9% YoY

9.8% YoY

27.6% YoY

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CIMB Niaga: 9M 2020 Results

Syariah Banking

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31

Types QoQ YoY

TOTAL 8.9% 32.0%

14.0% 13.1%

3.0% 68.1%

9.13 14.90 15.35

17.47

17.33 19.76

TD

31.14 33.93 32.59 CASA

Financing

-3.9% QoQ + 4.7% YoY

Total Financing (Rp tril)

Syariah Banking: Driven by Syariah First

Syariah PBT (Rp bil)

Total Deposits (Rp tril)

26.60

32.23 35.11

1.13% 1.14%

0.96%

NPF

312 300 322 309 395

849

1,026

3Q19 4Q19 1Q20 2Q20 3Q20 9M19 9M20

+ 20.8% YoY + 27.8% QoQ

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Notable Awards

CRM & Vending

Bank Service Exellence Monitor (BSEM) 2020 from Infobank & Marketing Research Indonesia

CRM 2020 awards

• Corporate & Investment Bank of the Year – Indonesia

• Syndicated Loan of the Year – Indonesia

• Project Infrastructure Finance Deal of the Year – Indonesia

Corporate & Investment Banking Awards 2020

The Most Helpful Bank during Covid-19 Rank #1 in Indonesia

Rank #10 in Asia Pacific

The Asian Banker Awards Infobank Awards 2020

• Best Bank in Mortgage

• Satisfaction, Loyalty & Engagement (SLE) Awards 2020

Indonesia Green Awards 2020

In the category of Developing Biodiversity

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33

Notable Awards

Multifinance Award 2020

 Indonesia Best Multifinance Award 2020 for Its Innovation on Digital Finance

through Mobile Application

 Top 2 Outstanding Financial Performance Of Indonesia Best Multifinance Award 2020, Category

Assets IDR 2-5T Category: Sustainability Innovation for

Bamboo Tabah Conservation And The Calculation of Bamboo Tabah Carbon

Stock

IDX Channel Indonesia Innovation

Award 2020 The Liquidity Risk Technology

Implementation of The Year 2020 Awards

Top 20 Financial Services contribute to Covid-19 countermeasures in Indonesia

20 Pilar Financial Indonesia

Awards

For:

&

Top 3 Indonesia Public Listed Companies ASEAN Corporate Governance Scorecard

(ASGS) in Indonesia

ACGS awards

(34)

Final Remarks CEO Remarks

9M20 Financial Performance

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35

Final Remarks

We are well-prepared to face potential prolonged challenges

We continue to emphasize employee health and welfare as well as business continuity of our customers

Liquidity, asset quality, and cost management are still our main focus

Transformation programs will continue particularly on customer journey, digitalization, and productivity improvement

We adhere to our strategy which proven to be relevant in all circumstances

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THANK YOU

(37)

37 Rating Agencies Rating / Outlook

Moody’s 29 Nov 2019

Outlook

Counterparty Risk Rating Bank Deposits

Baseline Credit Assessment Adj. Baseline Credit Assessment Counterparty Risk Assessment Issuer Rating

Stable Baa1/P-2 Baa2/P-2 ba1 baa2

Baa1(cr)/P-2(cr) Baa2

Fitch 27 May 2020

Foreign Currency

Long Term Foreign Currency IDR Short Term Foreign Currency IDR Support Rating

Viability Rating

BBB- / Negative F32

bb

Fitch 27 May 2020

National Ratings National Long Term National Short Term Subordinated Bonds II

AA+(idn) / Negative F1+(idn)

AA-(idn)

Pefindo 10 Sep 2019

Corporate Rating

Shelf Registration Bond Rating Subordinated Bonds III Sukuk Mudharabah

idAAA/ Stable idAAA IdAAidAAA(SY) Share Price & Trading Volume

BNGA Sep-19 Jun-20 Sep-20

Price (Rp) 1,005 720 720

PBV (x) 0.60 0.45 0.46

PER 6.79 4.78 5.26

Share Price & Ratings

0 20.00mm 40.00mm 60.00mm 80.00mm 100.00mm 120.00mm 140.00mm

500.00 600.00 700.00 800.00 900.00 1000.00

Share Price Volume

Source: Capital IQ

(38)

^ Includes PT Commerce Kapital 1.02%

EPF PNB KWAP

Khazanah Nasional

Public

27.2% 16.4% 12.2% 6.9%

7.5% 92.5%^

99.9%

CIMB Group Holdings Berhad

Others 37.3%

94.8%

Corporate Structure as per 30 September 2020

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39

Board of Commissioner

Didi Syafruddin Yahya

President Commissioner

Glenn M.S. Yusuf

Vice President Commissioner (Independent)

Jeffrey Kairupan

Independent Commissioner *

David Richard Thomas

Commissioner Sri Widowati

Independent Commissioner

*) appointed as a Senior Independent Commissioners of the Bank through Circular Resolution of Board of Commissioners of CIMB Niaga as of 28 June 2019

**) effective after obtaining OJK approval and/or fulfilling the requirements stipulated in the said OJK approval

Dato’ Abdul Rahman Ahmad**

Commissioner

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40

Directors

Tjioe Mei Tjuen*

Operations & IT Director Tigor M. Siahaan

President Director

Vera Handajani

Risk Management Director John Simon

Treasury & Capital Market Director

Fransiska Oei

Compliance, Corporate Affairs and

Legal Director Pandji Pratama

Djajanegara

Sharia Banking Director Lani Darmawan

Consumer Banking Director

Lee Kai Kwong

Finance & SPAPM

Director

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41

Sep-19 Jun-20 Sep-20 QoQ YoY

Branch & Network

Branches* 409 390 385 (5) (24)

Digital Lounge 30 34 34 - 4

Mobile Branch 27 27 27 - -

Total Network 466 451 446 (5) (20)

Electronic Channels

ATM 4,508 4,499 4,488 (11) (20)

CDM & CRM 918 924 922 (2) 4

EDC & QR 166,979 273,331 278,181 4,850 111,202

Employees

Bank only 12,576 12,185 12,194 9 (382)

CNAF 859 842 824 (18) (35)

CNS 14 24 24 - 10

Total Employees 13,449 13,051 13,042 (9) (407)

Network & Distribution Channel

*) Include payment and cash point

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Our sustainability Pillars

 Bank’s Vision and Mission on Sustainable Finance

 Establishment of Sustainability Unit

 Embed sustainability values to Bank’s DNA

 Sustainability knowledge sharing (internal and external parties)

 Member of Indonesia Sustainable Finance Initiatives (IKBI)

 Sustainable Finance Action Plan (RAKB) 2019-2023

 Publishing Annual Sustainability Report since 2012

CIMB Niaga is committed in integrating and harmonizing environmental, social, and governance (ESG) aspects in its business activities and support the country to achieve Sustainable Development Goals (SDGs).

 Sustainable Finance Policy &

Procedure

 Sector Guidance

 Identify and Monitor Sustainable Finance Portfolio

 Development of green and/or sustainability-linked products

 Community Link

 Disability Employment Program

 Financial Literation & Inclusion

 Bamboo conservation & its carbon stock (C) measurement

 Sustainability Policy & Procedure

 Calculation of GHG emissions (Scope 1 & 2)

 Implementation of Green Office Policy

 Waste Management Initiatives

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0

7.34 7.88 16.12

0 0.77 0.5 0 0.87

12.23

3.01 23.16

0 5 10 15 20 25

Sustainable Finance Portfolio

*as per 31 December 2019

Palm Oil clients have been/ in

42%

progress to be certified by ISPO and/or RSPO

almost

60%

of total loan is channeled to women

clients

MSME Financing through Channeling

95%

of total bank transaction went through electronic (paperless)

banking features Carbon saved through Bank’s

activities CIMB Niaga’s Bamboo Conservation Program has

preserve potential carbon stock up to759 tCO₂e.

Bank’s Digital Transaction has also supported GHG emissions potential reduction up to29 x 10³tCO₂e.

Bank’s contribution to Carbon Emissions

Bank’s contribution to GHG emissions (Scope 1 &

2) from the operational networks is amounted + 24 x 10³tCO₂e.

IDX Channel Anugerah Inovasi Indonesia 2020 (ICAII) Sustainability Innovation in “Bamboo Conservation and

Carbon Stock Measurement Activities”

Our sustainability Performance

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Corporate Social Responsibility 3Q 2020

WEBINAR

FINANCIAL LITERACY at STELLA MARIS SCHOOL 13 July 2020

WEBINAR

KEJARMIMPI WARRIOR – AWARDEE of SCHOLARSHIP CIMB NIAGA

17 July 2020

APD Donation Part 5^th 20 July 2020

 RS Marinir

 RSUD Koja

ONE MILLION BOOKS PROGRAM – GOES TO ORPHANAGE

 Palembang, 24 July 2020

 Mandalika, 26 September 2020

IDUL ADHA DONATION

 DKM Gadjah Mada

 Yayasan Rumah Zakat

 KC Malang

Rp 17.950.000,- LET’S SAVE AND SHARE (AMDB) PROGRAM ONLINE

August – September 2020. Let’s Save and Share Program (AMDB) has been implemented based on web in 16 cities which are Samarinda, Blitar, Cilegon, Malang, Madiun, Manado, Kudus, Surabaya, Bojonegoro, Lamongan, Solo, Bogor, Jepara, Pati, Semarang and Jakarta attended by 7.377 students from 9 Junior High Schools and 29 Senior High Schools.

August – September 2020. Tour de Bank (TDB) has been implemented based on web in 5 cities which are Blitar, Pekalongan, Jakarta, Surabaya and Tulungagung. It was attended by 1.033 Students from 10 Elementary and Junior Schools.

TOUR DE BANK (TDB) PROGRAM ONLINE IDX CHANNEL ANUGERAH INOVASI INDONESIA 2020 CATEGORY : SUSTAINABILITY INNOVATIONS FOR BAMBOO TABAH CONSERVATION AND THE CALCULATION OF BAMBOO TABAH CARBON

STOCKS 2^NDSeptember 2020.

CIMB Niaga won the Top Award in the Sustainability Innovation Category on the IDX Channel Indonesia Innovation Award 2020