Analyst Presentation FY 2019

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Analyst Presentation

Full Year 2019 Results (Audited)

Jakarta, 19 February 2020

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Strategic Focus

Final Remarks

Macro Economy & Industry

FY19 Financial Performance

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Indonesia GDP growth at 5.02% YoY in 2019

Macro Economy

Inflation and BI 7DRR

Source: CIMB Niaga Economist’s Forecast

2020 Forecast

Source: BI

4Q19 4Q20F

GDP (%yoy) 5.00 4.75 – 4.90%

CPI, average (%yoy) 2.95 3.00 – 3.5%

Policy Rates (%) 5.00 4.75% - 5.00%

10Y government bond yield (yr avg, %) 7.13 7.20%

Exchange Rate, year avg (Rp/US$) 14,070 14,100

4.25 4.25 4.25 4.25 4.25 4.75

5.25 5.25 5.50

5.75 5.75

6.00 6.00 6.00 6.00 6.00 6.00 6.00 6.00 5.75

5.50 5.25

5.00 5.00 5.00

3.61 3.25 3.18 3.40 3.41 3.23 3.12 3.18 3.20 2.88 3.16 3.11 3.13 2.822.57 2.48 2.833.32 3.28 3.32 3.49 3.39 3.13 3.002.72

Dec 17 Jan 18 Feb 18 Mar 18 Apr 18 May 18 Jun 18 Jul 18 Aug 18 Sep 18 Oct 18 Nov 18 Dec 18 Jan 19 Feb 19 Mar 19 Apr 19 May 19 Jun 19 Jul 19 Aug 19 Sep 19 Oct 19 Nov 19 Dec 19

Inflation YoY (%) BI 7 Days Reverse Repo Rate (%)

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7.9% 8.2%

11.8%

6.1%

1.6% 2.8% 1.8% 3.1%

2016 2017 2018 2019

9.6% 9.4%

6.4% 6.5%

1.1%

4.8%

0.8% 2.5%

2016 2017 2018 2019

Deposits Growth (%) Loans Growth (%)

5.6%

5.3%

5.1%

4.9%

5.6% 5.6%

5.1% 5.3%

2016 2017 2018 2019

12.3%

9.7% 7.0%

5.9%

9.9%

8.4% 0.9%

7.9%

2016 2017 2018 2019

CASA Growth (%)

3.0% 21.4% 14.3% 4.4%

125.7%

61.4%

16.7% 9.5%

2016 2017 2018 2019

PBT Growth (%) NIM (%)

Banking Industry Update

2.9%

2.6%

2.4% 2.5%

3.9% 3.8%

3.1%

2.8%

2016 2017 2018 2019

NPL (%)

CIMBN Industry

Source: ^Indonesia Banking Statistics Nov 19 & Pertemuan Tahunan Industri Jasa Keuangan 2020, OJK

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Strategic Focus

Final Remarks

Macro Economy & Industry

FY19 Financial Performance

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Business Focus

CASA

Continue to develop features and

capabilities of digital banking services on an ongoing basis for both retail and non-retail segments to provide more engaging customer experience Consumer Banking

identifies loan segments and portfolios using data analysis, risk and relationship-based pricing in providing comprehensive banking solutions including funding, transactions and loans

Focusing on

strengthening potential and quality customer base through

collaboration between CIMB Niaga's business units with referral and cross-selling programs, including value chains In addition to

enhancing product’s features, CIMB Niaga continues to actively acquire customer through branches and e-channels and also focus on customer experience

Consumer Business

SME Business

Digital

Banking

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Advancing Customers and Society

Accelerating Growth

Future Proofing

Scale and Accelerate

Malaysia & Indonesia

Customer Centricity

Technology

& Data

Our People

CIMB Group Transformation Theme

Incubate and Invest

Vietnam, Philippines

& New Ventures

Reposition and Grow

Thailand, Singapore

& Cambodia

Sustainability Ventures

& Partnerships

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CIMB Niaga Transformation

104 initiatives launched with expected impact delivery in 2020 39 ^Completed

71 1H19 initiatives

65 In progress

33 2H19 initiatives

Capability and Change Management Winning in

Medium Term Funding the

Journey

Initiatives that will generate financial impacts in 1-2 years, hence will “fund”

overall transformation

Initiatives that will generate financial impacts 2 years

and beyond

Initiatives that will indirectly impact financials for sustainable

long term growth

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Strategic Focus

Final Remarks

Macro Economy & Industry

FY19 Financial Performance

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Key Highlights

Note: ^ Excludes MSS Cost

CASA IDR108.3T +7.9%YoY

LOAN IDR194.2T +3.1% YoY

NPL Ratio 2.79%

-32bps YoY

Impaired Ratio 3.81%

-24bps YoY

Revenue IDR16.8T +6.3% YoY

OPEX^

IDR8.3T +3.9% YoY

PBT^

IDR5.3T +9.5% YoY

ROA^

1.47%

+13bps YoY

ROE^

9.35%

+26bps YoY

CAR 21.47%

+181bps YoY

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Financial Position – Consolidated

(Rp tril) Dec-18 Sep-19 Dec-19 QoQ YoY

Cash & Short Term Funds 27.06 21.67 31.38 44.8% 16.0%

Gov’t Bonds & Marketable Securities 34.71 36.14 34.16 (5.5%) (1.6%)

Loans 188.47 191.67 194.24 1.3% 3.1%

Loan Provision (6.10) (5.53) (6.06) 9.6% (0.7%)

Fixed & Other Assets 22.64 18.87 20.75 10.0% (8.3%)

Total Assets 266.78 262.82 274.47 4.4% 2.9%

Current Account 45.85 45.73 48.94 7.0% 6.7%

Savings Account 54.50 56.43 59.32 5.1% 8.8%

Time Deposit & Structured Deposits 90.40 88.17 87.34 (0.9%) (3.4%)

Total Customer Deposits 190.75 190.33 195.60 2.8% 2.5%

Other Liabilities 36.45 30.21 35.58 17.8% (2.4%)

Total Liabilities 227.20 220.54 231.18 4.8% 1.7%

Equity 39.58 42.28 43.29 2.4% 9.4%

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Income Statement

(Rp bil) 3Q19^ 4Q19 QoQ FY18 FY19^ YoY

Interest Income 5,479 5,387 (1.7%) 20,293 21,689 6.9%

Interest Expense (2,324) (2,291) (1.4%) (8,281) (9,121) 10.1%

Net Interest Income 3,155 3,096 (1.9%) 12,012 12,568 4.6%

Non Interest Income 1,232 1,043 (15.3%) 3,816 4,257 11.6%

Operating Income 4,387 4,139 (5.7%) 15,828 16,825 6.3%

Operating Expenses (2,106) (2,050) (2.7%) (7,947) (8,255) 3.9%

Pre Provision Operating Profit 2,281 2,089 (8.4%) 7,881 8,570 8.7%

Provision Expenses (944) (791) (16.2%) (3,030) (3,257) 7.5%

PBT 1,337 1,298 (2.9%) 4,851 5,313 9.5%

PBT as reported 978 1,298 32.7% 4,851 4,954 2.1%

Net Profit 971 966 (0.5%) 3,482 3,914 12.4%

Net Profit as reported 702 966 37.6% 3,482 3,645 4.7%

EPS (Rp, full amount) 28.16 38.76 37.6% 139.67 146.21 4.7%

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Key Ratios

(%) 3Q19^ 4Q19 QoQ FY18 FY19^ YoY

ROA

1.43 1.42 1.34 1.47

ROE (shareholders’ fund) 9.18 8.91 9.09 9.35

NIM 5.29 5.14 5.12 5.31

Fee Income / Total Income 28.08 25.20 24.11 25.30

Cost to Income (CIR) 48.00 49.53 50.21 49.07

CASA Ratio 53.67 55.35 52.61 55.35

Loan to Deposit (LDR) 99.02 97.64 97.18 97.64

Gross NPL 2.62 2.79 3.11 2.79

Net NPL 1.30 1.30 1.55 1.30

Cost of Credit 1.96 1.63 1.63 1.75

Gross Impairment Ratio 3.10 3.81 4.05 3.81

Loan Loss Coverage 111.86 113.60 105.86 113.60

Impaired LLC 93.26 81.98 80.01 81.98

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(Rp bil)

3,949 4,070 4,228 4,387

4,139

1,225 1,285 1,393 1,337 1,298

891 944 1,032 971 966

9.11% 9.48% 10.10% 9.18% 8.91%

4Q18 1Q19 2Q19 3Q19 4Q19

Operating Income PBT Net Profit ROE (shareholders' fund)

^

Quarterly Earnings Trend

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Consumer 40%

Commercial 8%

MSME 15%

Corporate 18%

Treasury 19%

5.12% 5.28% 5.41% 5.37% 5.31%

Dec-18 Mar-19 Jun-19 Sep-19 Dec-19

Net Interest Margin (YTD)

Net Interest Income Breakdown (incl. FTP)

Net Interest Income FY18: Rp 12,012 billion FY19: Rp 12,568 billion Quarterly NIM

4Q18 1Q19 2Q19 3Q19 4Q19

5.11% 5.28% 5.53% 5.29% 5.14%

NIM improved +19bps YoY

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(Rp bil) FY18 FY19 YoY

619 1,083 75.0%

140 210 50.0%

163 138 (15.3%)

940 967 2.9%

1,954 1,859 (4.9%)

Bancassurance 707 539 (23.8%)

Funding & Admin Fee 321 356 10.9%

Card Related 429 491 14.5%

Other Fees & Commissions* 497 473 (4.8%)

Total 3,816 4,257 11.6%

NoII – Quarterly

950 1,032 950 1,232 1,043

4Q18 1Q19 2Q19 3Q19 4Q19

1,954 1,859

940 967

163 138

140 210

619 1,083

FY18 FY19

Recovery

Arranger & Syndication Fees Trans. Banking & Trade Fin Forex & Fixed Income Derivatives Fees & Commissions

Non Interest Income Breakdown 4,257 3,816

*) Include custodian, remittance, fund management and other fees

Non Interest Income

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50.21% 50.93% 49.40% 48.92% 49.07%

Dec-18 Mar-19 Jun-19 Sep-19 Dec-19

YTD Cost to Income Ratio

YTD CIR (%)

Rp bil 3Q19^ 4Q19 QoQ FY18 FY19^ YoY

Personnel 1,021 999 (2.2%) 3,807 4,065 6.8%

Other Expenses 1,085 1,051 (3.1%) 4,140 4,190 1.2%

Total 2,106 2,050 (2.7%) 7,947 8,255 3.9%

(%) 3Q19^ 4Q19 QoQ FY18 FY19^ YoY

Cost to Income 48.00 49.53 1.53 50.21 49.07 (1.14)

^ ^

Operating Expenses & Cost to Income Ratio

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Loans Growth

Segment (Rp tril) Dec 18 Sep 19 Dec 19 QoQ YoY

Consumer Banking (28%) 49.09 52.64 54.29 3.1% 10.6%

 Mortgages 30.02 32.82 33.78 2.9% 12.5%

 Credit Cards 8.60 9.23 9.70 5.1% 12.8%

 Auto Loans 6.22 6.27 6.46 3.0% 3.9%

 Personal Loan & Others 4.25 4.32 4.35 0.7% 2.4%

MSME Banking (20%) 37.27 37.08 37.97 2.4% 1.9%

 Small Medium Enterprise 29.59 29.55 30.40 2.9% 2.7%

 Micro Linkage 7.68 7.53 7.57 0.5% (1.4%)

Commercial Banking (15%) 32.09 30.39 29.91 (1.6%) (6.8%)

Corporate Banking (37%) 70.02 71.56 72.07 0.7% 2.9%

Total (100%) 188.47 191.67 194.24 1.3% 3.1%

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Asset Quality Management

105.86% 113.76% 101.20% 111.86% 113.60%

80.01% 86.92% 90.10% 93.26% 81.98%

Dec-18 Mar-19 Jun-19 Sep-19 Dec-19 Loan Loss Coverage Impaired LLC

Loans by Collectability (% of Total Loan)

Coverage Ratio

Current 92.26%

Special Mention

4.95%

NPL 2.79%

Dec-19

Asset Quality

4.05% 3.91%

3.17% 3.10%

3.81%

3.11% 3.04% 2.87% 2.62% 2.79%

1.55% 1.42% 1.50% 1.30% 1.30%

Dec-18 Mar-19 Jun-19 Sep-19 Dec-19

Gross Impairment Ratio Gross NPL

Net NPL

Current 94.22%

Special Mention

3.16%

NPL 2.62%

Sep-19

Current 92.97%

Special Mention

3.92%

NPL 3.11%

Dec-18

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Gross NPL (%)

1.3% 1.0% 1.8% 1.9% 2.4%

7.9% 7.7%

5.0% 4.5% 4.6%

2.5% 2.4% 2.3% 2.2% 2.0%

Dec-18 Mar-19 Jun-19 Sep-19 Dec-19

3.0% 3.6% 3.5% 2.9% 3.0%

Corporate

Commercial

MSME

Consumer

Asset Quality by Business Segment

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Capital Ratios

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

Capital Adequacy Ratio (%) Dec-18 Sep-19 Dec-19

CAR with Credit Risk 22.94 25.03 25.36

Market Risk (0.19) (0.25) (0.31)

Operational Risk (3.09) (3.57) (3.58)

Total CAR 19.66 21.21 21.47

18.40 19.16 19.38 19.96 20.20 1.26 1.21 1.21 1.25 1.27

Dec-18 Mar-19 Jun-19 Sep-19 Dec-19 Tier 1 Tier 2

39.58 40.96 41.52 42.28 43.29

Dec-18 Mar-19 Jun-19 Sep-19 Dec-19

19.66 20.37 20.59 21.21 21.47

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CIMB Niaga: FY 2019 Results

Consumer Banking

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Growth

(Composition) QoQ YoY

Total 3.1% 10.6%

0.7% 2.4%

3.0% 3.9%

5.1% 12.8%

2.9% 12.5%

Total Loans

54.29 49.09

(Rp tril)

52.64 30.02 32.82 33.78

8.60 9.23 9.70

6.22 6.27 6.46

4.25 4.32 4.35

Dec-18 Sep-19 Dec-19

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

Credit Cards (18%) Mortgage (62%)

Consumer Loans Led by Mortgage

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Building long term sustainable asset growth

2.8% 2.5% 2.4%

Dec-18 Sep-19 Dec-19

Total Loans (Rp tril)

NPL Ratio Market Share

+12.5% YoY +2.9% QoQ

* Industry Source: Bank Indonesia - Indonesia Economic and Financial Statistics (SEKI) exclude BTN-subsidized

^ SEKI Nov 19; BTN as of Sep 19

33.78

*)

8.1% 8.5% 8.7%

^{^}

Mortgages Strong growth with healthy portfolio

32.82 30.02

Mortgage gaining market share

Partnership with “Platinum Developer”

Portfolio Diversification

45%

43%

12%

Primary Secondary Refinancing

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2,557 2,556 2,600

Dec-18 Sep-19 Dec-19

10.6 10.7 11.5

4Q18 3Q19 4Q19

No of Trx

Number of Credit Cards Outstanding Balance

(‘000) (Rp tril)

*) Industry Source: APMK Dec 19, Bank Indonesia

+1.7% QoQ +1.7% YoY

8.60 9.23 9.70

Dec-18 Sep-19 Dec-19

+5.1% QoQ +12.8% YoY

*)

7,477

7,755

8,483

4Q18 3Q19 4Q19

8.7% 9.0% 9.3%

4Q18 3Q19 4Q19

Market share

Credit Card Volume (Rp bio)

+9.4% QoQ

14.8% 14.7% 14.9%

Dec-18 Sep-19 Dec-19

Market share (In mio)

*)

Credit Cards Strong growth, gaining market share

+13.5% YoY

706 722 740

4Q18 3Q19 4Q19

Trx Ticket Size (‘000)

1.8%

1.5% 1.5%

NPL - Credit Card

25

Dec-18 Sep-19 Dec-19

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Growth QoQ YoY

Total 3.0% 3.9%

(3.1%) 30.2%

4.6% (1.0%)

Turn around completed

5.26 4.98 5.21 0.96 1.29 1.25

Dec-18 Sep-19 Dec-19

Indirect Auto Loans CNAF*

6.22 6.27

*) CNAF: include direct auto and JF with CNAF

6.46

*)

Auto Loans CNAF is growing profitability with healthy total auto portfolio

Total Loan (Rp tril)

CNAF Booking Composition – Bank referral portion

13% 22% 22%

Dec-18 Sep-19 Dec-19

197 mio 370 mio

2014 2019

Average OTR Price

Digital Auto Loan

Application & Intelligent Sales Tools

Business Initiatives

One-hour approval 1 ^hour

1.4% 0.9% 0.6%

NPL Ratio

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1,669 1,713 1,762 1,812 1,860 CIMB Clicks

Go Mobile Fee Income (in mil) Volume (in tril)

4,947 4,802 4,964 5,052 4,974

4Q18 1Q19 2Q19 3Q19 4Q19

4,316

7,633

10,537

9,376 10,178

4Q18 1Q19 2Q19 3Q19 4Q19

+11.4%

YoY +18.8%

YoY

+0.5%

YoY +135.8%

YoY

2,194 2,303 2,402 2,510 2,606

Digitalization driving our CASA growth

7,498

9,821 11,588 11,012 12,804

4Q18 1Q19 2Q19 3Q19 4Q19

7.7 9.6 11.8 14.7 17.3

No of Transaction (in thou)

No of User (in thou)

29.5 35.2

21.1 22.3

Dec 18 Dec 19

+19.3%

YoY

CASA from Clicks and Go Mobile owner CASA from Non-Digital customers

+5.7%

YoY

50.6 57.5

Total Consumer CASA (in IDR Tio)

+13.6% YoY

+124.7%

YoY

+70.8%

YoY Go Mobile Fee Income

on revamp system to OctoClicks…

No of Transaction (in thou)

No of User (in thou)

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CIMB Niaga: FY 2019 Results

MSME Banking

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12.60 (34%)

18.00 (49%)

18.82 (50%) 24.67

(66%)

19.08 (51%)

19.15 (50%)

Dec-18 Sep-19 Dec-19

Non-Program Lending^

Program Lending

Growth QoQ YoY

Total 2.4% 1.9%

0.4% (22.3%) 4.5% 49.3%

Reshaping portfolio yielding higher spreads

37.27 37.08 37.97

(Rp tril)

MSME Loans: Focus on Program Lending

^ Includes Micro Linkage

2.96%

2.80% 3.04%

Dec-18 Sep-19 Dec-19

SME Lending Margin (%)

SME launched channeling with Fintech Lending , first disbursed in Nov 19

Business Update

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CIMB Niaga: FY 2019 Results

Commercial Banking

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2.53 1.35 1.38

7.9%

4.5% 4.6%

10.44 (33%)

10.10 (33%)

9.51 (32%) 21.65

(67%) 20.29

(67%)

20.40 (68%)

Dec-18 Sep-19 Dec-19

Working Capital Investment

Focus on Asset Quality & Profitability

32.09 30.39 29.91

(Rp tril)

Commercial Loans

NPL Amount NPL Ratio

1.9% 2.0% 2.2%

8.4 8.8

9.0 10.0

Dec-18 Dec-19

CASA Avg CASA

CASA (Rp tril)

+4.8%

YoY +11.0%

YoY

Selective lending through stronger credit underwriting and loan monitoring Business Focus

Lending

Margin

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CIMB Niaga: FY 2019 Results

Corporate Banking

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Total Loans (Composition) (Rp tril)

33.80 (48%)

42.89 (60%)

44.36 (62%) 36.22

(52%)

28.67 (40%)

27.71 (38%)

Dec-18 Sep-19 Dec-19

Investment Working Capital

Corporate Loans

23.2

24.5 Dec-18 Dec-19

CASA (Rp tril)

Growth QoQ YoY

Total 0.7% 2.9%

3.4% 31.2%

(3.3%) (23.5%)

70.02 71.56 72.07

Continue prudent lending to Top Tier customer and portfolio diversification to

minimize concentration Business Focus

+5.6% YoY

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CIMB Niaga: FY 2019 Results

Syariah Banking

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26.51 31.14 33.10

0.98% 1.13% 0.98%

-3.00%

-2.50%

-2.00%

-1.50%

-1.00%

-0.50%

0.0 0%

0.5 0%

1.0 0%

1.5 0%

Financing NPF

Total Financing (Rp tril)

+24.9% YoY +6.3% QoQ

23.71 26.59 32.59

Dec-18 Sep-19 Dec-19

Total Deposits

(Rp tril)

+37.5% YoY

+22.6% QoQ

Syariah Banking: Driven by Syariah First

702 1,149

Dec-18 Dec-19

Syariah PBT

(Rp bil)

14.5% 21.6%

Contribution to Bank

+63.7% YoY

Syariah Assets (UUS)

Rank #1 ^{^}

#5 in Syariah Industry

^ as of Sep 19

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Strategic Focus

Final Remarks

Macro Economy & Industry

FY19 Financial Performance

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Encouraging top-line performance with steady NIM throughout 2019

Disciplined cost management, operating expense growth under control

Moderate loan growth YoY in FY19, led by double digit Consumer Banking expansion

2020 focus areas: CASA growth to support business expansion, asset quality monitoring and deeper digital engagement

CIMB Niaga Transformation progressing as planned.

40+ initiatives impacting consumer and SME in sales productivity, journeys, capability building and cross sell:

Transform branch operating model and redefine branch network roadmap

Multiple partnerships covering loan/channeling, digital account opening, leads generation Enhance sales tools and faster frontline staff recruitment

Final Remarks

FY19

9.35% 11% - 12%

FY20

guidance ROE

up to 40% up to 40%

Dividend Payout Ratio^

55.35% 56% - 58%

CASA Ratio

3.1% 6% - 8%

Loan growth

5.31% >5.0%

NIM

49.07% <49%

CIR

21.47% >18%

CAR

^subject to AGM 2020 approval

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THANK YOU

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39 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 23 Apr 2019

Foreign Currency

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

Viability Rating

BBB- / Stable F3

2 bb

Fitch 6 Mar 2019

National Ratings National Long Term National Short Term Subordinated Bonds II

AA+(idn) / Stable F1+(idn) AA-(idn)

Pefindo 10 Sep 2019

Corporate Rating

Shelf Registration Bond Rating Subordinated Bonds III Sukuk Mudharabah

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

BNGA Dec-18 Mar-19 Jun-19 Sep-19 Dec-19

Price (Rp) 915 1,065 1,115 1,005 965

PBV (x) 0.60 0.65 0.68 0.59 0.56

PER 6.72 7.67 7.59 7.02 6.66

Share Price & Ratings

- 5,000 10,000 15,000 20,000 25,000 30,000 35,000 40,000 45,000

- 200 400 600 800 1,000 1,200 1,400

Dec-18 Mar-19 Jun-19 Sep-19 Dec-19

Tho u san d s

Share Price Volume

(40)

^ Includes PT Commerce Kapital 1.02% 40

EPF PNB KWAP

Khazanah Nasional

Public

23.77% 12.67% 12.20% 5.90%

7.5% 92.5%^

99.9%

CIMB Group Holdings Berhad

Others 45.46%

94.8%

Corporate Structure as per 31 Dec 2019

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41 Tengku Dato’ Sri Zafrul

Tengku Abdul Aziz

President Commissioner

Glenn M.S. Yusuf

Vice President Commissioner

Zulkifli M. Ali

Independent Commissioner

Pri Notowidigdo

Independent Commissioner Jeffrey Kairupan

Independent Commissioner

David Richard Thomas

Commissioner

Sri Widowati

Independent Commissioner

Didi Syafruddin Yahya

Commissioner

*) Resigned on 1 September 2019 and will be proposed for approval in the 2020 AGM

*)

Board of Commissioner

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42

Rahardja Alimhamzah

Business Banking Director

Tigor M.

Siahaan

President Director

Rita Mas’Oen

Operations & IT Director

Megawati Sutanto

Credit Director

Vera Handajani

Risk Management Director

John Simon

Treasury & Capital Market Director

Hedy Maria Helena Lapian

Human Resources Director

Fransiska Oei

Compliance, Corporate Affairs and

Legal Director

Pandji Pratama Djajanegara

Syariah Banking Director

Lani Darmawan

Consumer Banking Director

Lee Kai Kwong

Finance & SPAPM Director

Directors

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Dec-18 Sep-19 Dec-19 QoQ YoY

Branch & Network

Branches 430 392 376 (16) (54)

Payment & Cash Point 20 17 15 (2) (5)

Digital Lounge 26 30 33 3 7

Mobile Cash 27 27 27 - -

Total Network 503 466 451 (15) (52)

Electronic Channels

ATM 4,500 4,508 4,500 (8) -

CDM & CRM 954 918 952 34 (2)

MFD* 161 150 146 (4) (15)

EDC & QR 84,314 166,979 232,910 65,931 148,596

Employees

Bank only 12,461 12,576 12,372 (204) (89)

CNAF 891 859 882 23 (9)

CNS

n.a

14 15 1 15

Total Employees 13,352 13,449 13,269 (180) (83)

* MFD (previously was SST) stands for Multi Function Device

Network & Distribution Channel

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#1 Annual Report Award Private Financial listed category

Tempo Financial Business Award 2019 The Best Bank In Customer Satisfaction Services 8th Infobank Sharia Finance Institution Awards 2019

• The Best Performance Sharia Business Unit Commercial Bank 2019

• "Excelent" in Financial Performance Throughout 2018

Mastercard Indonesia Awards 2019

• Best Mobile Banking program

• Most Innovative Debit Program

• Best Cross Border Program

• Best Islamic Credit Card

Notable Awards in 4Q 2019

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Corporate Social Responsibility

CSR Activity in 4Q 2019

13 October 2019.

Awarding the 3 Best Social Ideas on Community Link Program 2019 #jadinyata was given by Tigor M Siahaan – President Director CIMB Niaga & Fransiska Oei – CCAL Director CIMB Niaga in The Color Run by CIMB Niaga event.

23 – 24 October 2019 & 13 – 14 November 2019.

Let’s Save and Share Program (Ayo Menabung Dan Berbagi) program was held in Denpasar and Palangka Raya and attended by hundreds of enthusiast student from various schools

5 November 2019 .

Awarding was given to the three Best Social Idea Branch Offices in the Community Link Program 2019 #jadipeduli. Awarding was given by Tigor M Siahaan – President Director CIMB Niaga to 3 Branch Office representatives at Graha CIMB Niaga Jakarta.

12 December 2019.

CIMB Niaga held the Awarding CIMB Niaga Scholarship Program Period 2019 – 2021 at Graha CIMB Niaga and was attended by 17 students as representatives of the CIMB Niaga Scholarship Recipients. The Scholarship award was handed over symbolically by Fransiska Oei – CCAL Director CIMB Niaga.

Environ ment

3% Disability 4%

Educatio n 27%

Commun ity Develop

ment 9% Philanthr

opy 5% Qardhul

Hasan Fund

40% Others

13%

Pillars Realizations Qardhul Hasan Fund 14,397

Education 9,604

Community Development 3,218

Philanthropy 1,662

Disability 1,334

Environment 994

Others 4,507

Total 2019 (in IDR mio) 35,715

2019 CSR REALIZATIONS

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The Color Run Love Tour Presented by CIMB Niaga.

Once again CIMB Niaga conducted 6^th The Color Run with theme “Love Tour” on 13 October 2019 in Gelora Bung Karno Senayan, Jakarta that was participated by 13,000 runners from all over Indonesia. CIMB Niaga also launched Community Link Program 2019 during Press Conference on 7 Aug 2019 and announced the winners on the event day on 13 October 2019 with a total prize of 150 million. This is the first event implemented a sustainability program to control reusable rubbish and the result was zero waste.

Public Expose 2019.

Public Expose for issued bond Obligasi Berkelanjutan III Bank CIMB Niaga Tahap I Tahun 2019 dan Obligasi Subordinasi Berkelanjutan I Bank CIMB Niaga Tahap I Tahun 2019 held in 18 November 2019 at Financial Hall, Graha CIMB Niaga 2nd Floor. The Public Expose attended by Bp. Rahardja Alimhamzah, Business Banking Director and Bp. Lee Kai Kwong,

#KejarMimpi Leaders Camp and Goes To School Jakarta. #KejarMimpi activities in Jakarta were conducted on 6-7 December 2019 at SD Budi W anita and The Pallas, SCBD. This event are for youth that aims to expand knowledge and soft skills through engaging activities such as sharing sessions and a talk show. Inspirational speakers that attended the talk show include Bapak Tigor M. Siahaan (CEO), Ibu Lani Darmawan (Director), Ibu Hedy Lapian (Dicrector), Bapak Surya Tjandra (Vice Minister of Agriculture, Republic of Indonesia), Cut Mini (Actress), Ajeng Raviando (Psycholiogist) and Putu Pande Setiawan (Founder Anak Alam).

Syukuran Akhir Tahun .

Closing the 2019, CIMB Niaga held the Syukuran Akhir Tahun (SAT) on 6 December 2019 in Financial Hall, Jakarta. The event was attended by BMC, BOC, Committee members and staff from Jabodetabek area. During the event, the CEO launched the 65 years CIMB Niaga Anniversary and simbolically shown the New ID Card.

Corporate Events

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Analyst Presentation FY 2019