1Q23 Financial Results

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1Q23 Financial Results

PT Bank CIMB Niaga Tbk Analyst Meeting Presentation

27.04.23

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Macro & Banking Industry Key Business Highlights 1Q23 Financial Results Final Remarks Q&A Session

Agenda

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3 51%

49%

Data as at 31 March 2023. Branches & Network include Sharia Branch, Digital Lounge, Cash Mobile and Kioks. ATMs include CRM, and MDM.

LARGEST SHARIA BUSINESS UNIT (UUS) / OFFICE CHANNELING IN INDONESIA

LARGEST PRIVATELY OWNED BANK BY TOTAL ASSETS

2

^nd

Rp 347 T

Total assets

Rp 201 T

^*

Total loans Cities

11,814

Employees

Rp 240 T

Customer deposits

414

Branches &

Network

CIMB NIAGA’S FOOTPRINT

DIGITAL CAPABILITIES

FINANCIAL HIGHLIGHTS

21.3%

CAR

FOCUSED UNIVERSAL BANK

About CIMB Niaga

Rp 47 T

Total equities

15.1%

ROE^#

Total loans by segment ^*

34

Subsidiary (CNAF)

37

Digital lounges

Sharia 25.0%

Conventiona…

98

Consumer, 33.9%

Corporate, 39.1%

Commercial… SME…

2.7 M

Mobile users

1.7 M

Clicks users

97%

Branchless transaction contribution

5.3 M

Rekening Ponsel ATMs

431,556

EDC & QR

4,066 34

Sharia branches

* Including Salam financing 3

# OJK definition, ROE is calculated per tier-1 capital

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Macro & Banking Industry Review

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51.9

Mar-20 Jul-20 Nov-20 Mar-21 Jul-21 Nov-21 Mar-22 Jul-22 Nov-22 Mar-23

20 30 40 50 60 123.3

60.0 80.0 100.0 120.0 140.0

Mar-20 Jul-20 Nov-20 Mar-21 Jul-21 Nov-21 Mar-22 Jul-22 Nov-22 Mar-23

Macro economic

Indonesia monthly export trends

Source: Bank Indonesia, Capital IQ

Rupiah, inflation, and policy rate trends

Purchasing Managers' Index (PMI) Manufacture Indonesia

CCI >100 indicates optimism

PMI >50 indicates expansion

Consumer Confidence Index

21 4.5%

- 10 20 30

Feb-20 Jun-20 Oct-20 Feb-21 Jun-21 Oct-21 Feb-22 Jun-22 Oct-22 Feb-23

Monthly export (US bn) Monthly export growth, % YoY

4.97%

5.75%

12,000 13,000 14,000 15,000 16,000

0.00%

2.00%

4.00%

6.00%

Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 Dec-22 Mar-23

USD/IDR (RHS) Headline Inflation BI7DRR

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8.0%

Jan-21 Mar-21 May-21 Jul-21 Sep-21 Nov-21 Jan-22 Mar-22 May-22 Jul-22 Sep-22 Nov-22 Jan-23

2.6%

Banking industry

Industry asset quality trend (NPL), %

Source: Bank Indonesia SSKI March 2023

Customer deposit growth, % YoY Banking liquidity (LDR), % Loan growth by type of use, %, YoY

Average loan interest rate trend, % Average deposit interest rate trend, %

4.24%

1.92%

0.67%

Current Saving Time Deposits (1 month) 10.0%

10.5%12.6%

9.4%

Investment Working capital Consumption Total loans

79.3%

10.4%

8.6%8.7%

Consumption Investment Working Capital

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Key Business Highlights

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We continue implementing our strategic pillars to strengthen our aspirations

To be the bank of choice for Indonesian businesses and consumers

Deliver sustainable financial returns

What we stand for

Drivers of our long- term performance

Accelerator to

deliver our strategic objectives

Playing to our

strengths Expanding CASA

franchise Discipline in cost management

Preservation of capital and

balanced risk culture Leverage information

technology

5 PILLAR STRATEGY

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1Q23 highlights

1 HEALTHY LOAN GROWTH TRENDS

LOAN GROWTH ^*

+10.1%

^{vs. Mar 22}

2 THE HIGHEST QUARTERLY RESULTS

NET PROFIT GROWTH

+32.4%

^{vs. 1Q22}

3 ASSET QUALITY BETTER THAN EXPECTED

NPL COC

2.6%

vs. 3.6% in Mar 22

1.5%

vs. 2.4% in Mar 22

4 IMPROVED COST EFFICIENCY

^CIR

44.5%

vs. 46.5% in 4Q22

5 HEALTHY CAPITAL AND LIQUIDITY POSITION

CAR LCR

21.3%

vs. 23.1% in Mar 22

260.2%

vs. 277.8% in Mar 22

* Including Salam financing

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Continued progress in the execution of our strategy

Loan portfolio mix by segment, Rp tn Strong loan growth in key focused segments

9.4%

6.6%

16.2%

0.6%

% YoY

17.1% 15.7%

37.0% 39.1%

11.7% 11.4%

34.1%

33.9%

182.66

201.05

Mar-22 Mar-23

Consumer

SME

Corporate

Commercial

12.0%

0.6%

Scale & accelerate: CONSUMER

 Key focused segments: mortgages and auto loans Scale & accelerate: SME

 Offer high quality services (speedy, simple and seamless experience) by utilizing digitalization

 Attractive pricing

 Grow term-loan (investment loan) portfolio contribution for more balanced portfolio risks profile

Grow: CORPORATE

 Key focused segments: Top-tier corporates, multinational companies and state-owned companies

 Cross-sell treasury & markets products and services Grow: COMMERCIAL

 Grow selectively in lower Commercial Segment (Medium Enterprise) which offers better risk adjusted returns

10.1% Optimizing portfolio mix to improve long-term RAROC Total Loans

Scale & accelerate (focused segments) Grow

45%

55%

*

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11.8%

12.6%

15.1%

The highest quarterly results

ROE

^# (%) 31.9%

+32.4%

1,194

1,340 1,308

1,199

1,581

1Q22 2Q22 3Q22 4Q22 1Q23

2.1% 2.2%

2.6%

1Q22 2022 1Q23

ROA (%)

Profitability metrics, % Quarterly net profit, Rp bn

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2.4%

1.7%

1.3%

1.9%

1.5%

1Q22 2Q22 3Q22 4Q22 1Q23

3.6% 3.5% 3.6%

2.8% 2.6%

Mar-22 Jun-22 Sep-22 Dec-22 Mar-23 210.8% 215.0% 208.8%

242.7% 253.5%

Asset quality better than expected

NPL, Rp tn Special mention, Rp tn

NPL and loan loss coverage, % Cost of credit, %

LLC

NPL

COC 11.7 12.2

11.4 11.0 10.6

Mar-22 Jun-22 Sep-22 Dec-22 Mar-23

6.5 6.6 6.8

5.4 5.1

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Investing in digital as part of our growth strategy

NEXT-GENERATION

Open App Experience Gamification

Forex Transaction Investment

(Mutual Fund, Bond, etc.) Travel concierge

Cardless withdrawal Scan QRIS E-wallet top-up

Bill payment Comprehensive Digital Banking

NEXT-GENERATION BIZCHANNEL@CIMB

Payable Management SWIFT Global Payment Innovation

Receivable Management Online FX Transactions

Liquidity Management Underlying Document Upload

BI-Fast

Value Chain Trade Finance Biometric Login

Secure, reliable, and future-proof platform

Regional based platform for non-retail customers

Next-Gen OCTO Mobile Launched in Feb 2023

Framework for partnership ecosystem

Next-Gen Bizchannel will be launched in 1Q 2024

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Driving customer engagement and businesses through digital innovation

Quarterly digital product acquisition penetration, %

Bizchannel@CIMB quarterly transaction value, Rp tn

Quarterly digital transaction penetration, % OCTO Mobile quarterly transaction value, Rp tn

1.8%

38.2%

9.3%

38.3%

1Q21 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23

Mortgage Acquisition Saving Account Opening

26.6% 36.2%

51.5% 71.3%

68.2% 72.6%

1Q21 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23

Bond Transaction Mutual Fund Placement FX Transaction

32 44

69

1Q21 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23

734 893 983

1Q21 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23

+10%

+58%

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1Q23 Financial Results

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(Rp tn) Mar-22 Dec-22 Mar-23 QoQ YoY

Cash & Short Term Funds 36.56 32.05 36.35 13.4% (0.6%)

Gov’t Bonds & Marketable Securities 74.69 65.03 68.83 5.8% (7.8%)

Loans^* 182.66 198.75 201.05 1.2% 10.1%

Total Assets 307.42 306.75 347.28 13.2% 13.0%

CASA 150.86 144.43 147.04 1.8% (2.5%)

Current Account 76.00 70.34 70.43 0.1% (7.3%)

Savings Account 74.86 74.09 76.61 3.4% 2.3%

Time Deposit & Structured Deposits 86.46 82.76 93.10 12.5% 7.7%

Total Customer Deposits 237.32 227.19 240.14 5.7% 1.2%

Total Liabilities 262.87 261.56 300.40 14.8% 14.3%

Equity 44.56 45.19 46.88 3.7% 5.2%

Financial position - consolidated

* Dec 22 and Mar 23 include Salam financing

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(Rp bn) 1Q22 4Q22 1Q23 QoQ YoY

Interest Income 4,584 5,092 5,359 5.3% 16.9%

Interest Expense (1,375) (1,590) (1,952) 22.7% 42.0%

Net Interest Income 3,209 3,502 3,408 (2.7%) 6.2%

Non Interest Income 1,590 1,279 1,576 23.2% (0.9%)

Operating Income 4,799 4,781 4,984 4.2% 3.8%

Operating Expenses (2,104) (2,222) (2,219) (0.2%) 5.4%

Pre-Provision Operating Profit 2,695 2,559 2,765 8.1% 2.6%

Provision Expenses (1,139) (999) (749) (25.0%) (34.2%)

Profit Before Tax 1,556 1,560 2,016 29.3% 29.5%

Net Attributable Profit 1,194 1,199 1,581 31.9% 32.4%

Financial performance - consolidated

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Key ratios - consolidated

(%) 1Q22 4Q22 1Q23 YoY

ROA 2.1% 2.0% 2.6%

ROE ^# 11.8% 11.7% 15.1%

NIM 4.46% 4.90% 4.71%

Fee Income / Total Income 33.1% 26.8% 31.6%

Cost to Income (CIR) 43.8% 46.5% 44.5%

CASA Ratio 63.6% 63.6% 61.2%

Loan to Deposit (LDR) 76.1% 85.6% 82.2%

Gross NPL 3.6% 2.8% 2.6%

Net NPL 1.1% 0.8% 0.8%

Cost of Credit (CoC) 2.4% 1.9% 1.5%

Gross Impairment Ratio 6.8% 7.1% 6.2%

Loan Loss Coverage 210.8% 242.7% 253.5%

Impaired LLC 111.5% 94.7% 105.0%

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1,556 1,745 1,718 1,560 2,016

1Q22 2Q22 3Q22 4Q22 1Q23

2,695 2,706 2,433 2,559 2,765

1Q22 2Q22 3Q22 4Q22 1Q23

4,799 4,783 4,502 4,781 4,984

1Q22 2Q22 3Q22 4Q22 1Q23

11.8%

13.7% 13.1%

11.7%

15.1%

1Q22 2Q22 3Q22 4Q22 1Q23

Quarterly earnings trend

ROE trend, %

^#

PBT trend, Rp bn.

Operating income trend, Rp bn.

3.8% 2.6%

Pre-provision operating profit trend, Rp bn.

29.5%

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7.96% 7.83% 7.52% 8.05% 8.61%

3,209

3,408

1Q22 1Q23

+65 bps

Net interest income

Loan yield and deposit CoF trend, %

Net interest income (Rp bn) and NIM trend, %

+25 bps

Net interest income growth, Rp bn.

+95 bps 6.2%

4.46% 4.63% 4.77% 4.90% 4.71%

Net interest income NIM Net interest income YTD NIM

4.46% 4.71%

3,209 3,329 3,436 3,502 3,408

1Q22 2Q22 3Q22 4Q22 1Q23

+25 bps

YoY

YoY YoY

1.84% 1.79% 1.77% 2.26%

2.79%

1Q22 2Q22 3Q22 4Q22 1Q23

Loan yield Deposit CoF

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1,590 1,455

1,066 1,279 1,576

1Q22 2Q22 3Q22 4Q22 1Q23

32.0% 37.5%

36.8% 30.2%

20.7%

12.9%

10.5%

19.4%

1,590 1,576

1Q22 1Q23

Fee & Commission FX & Derivatives Gain(Loss) from MS Loan Recovery

Non interest income

NoII growth, Rp bn.

(Rp bn) 1Q22 4Q22 1Q23 QoQ YoY Fee & Commission 509 652 592 (9.3%) 16.2%

FX & Derivatives 585 101 476 370.6% (18.6%) Gain(Loss) from MS 328 417 203 (51.3%) (38.2%) Loan Recovery 168 108 306 181.8% 82.4%

Non Interest

Income 1,590 1,279 1,576 23.2% (0.9%)

Non Interest Income (NoII) breakdown

NoII trend (Rp bn) & contribution to operating income, %

(0.9%)

33.1% 30.4% 23.7% 26.8% 31.6%

NoII NoII Contribution to Operating Income

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53.0%17.7% 55.2%14.5%

29.3% 30.4%

2,104 2,219

1Q22 1Q23

Personnel Expenses Tech Expenses Other Expenses

53.0% 54.6% 55.0% 57.9% 55.2%

17.7% 17.0% 14.9% 15.4% 14.5%

29.3% 28.4% 30.0% 26.7% 30.4%

2,104 2,078 2,069 2,222 2,219

1Q22 2Q22 3Q22 4Q22 1Q23

Personnel Expenses Tech Expenses Other expenses

4,431 4,066

Mar-22 Mar-23

315 310

Mar-22 Mar-23

43.8% 44.5%

Operating efficiency

(Rp bn) 1Q22 4Q22 1Q23 QoQ YoY Personnel

Expenses 1,116 1,286 1,224 (4.8%) 9.7%

Tech Expenses 372 343 321 (6.3%) (13.5%)

Other Expenses 617 593 674 13.5% 9.3%

Operating

Expenses 2,104 2,222 2,219 (0.2%) 5.4%

Operating expenses breakdown, Rp bn.

Operating expenses growth, Rp bn

Operating expenses (Rp bn) and CIR trend, %

5.4%

YTD CIR

43.8% 43.4% 46.0% 46.5% 44.5%

CIR

Reshaping branch and ATM network

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* Conventional branch only, not including Digital Lounges, Cash Mobile, and Sharia Branches

Conventional Branch* ATMs

** ATMs include CRM, and MDM

**

+0.7%

YoY

*

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32.0% 31.0% 29.3%

31.5% 32.6% 31.9%

36.4% 36.4% 38.8%

237.32 227.19 240.14

Mar-22 Dec-22 Mar-23

Current Accounts Saving Accounts Time Deposits

Customer deposits

(Rp tn) Mar-22 Dec-22 Mar-23 QoQ YoY CASA 150.86 144.43 147.04 1.8% (2.5%)

Current Accounts 76.00 70.34 70.43 0.1% (7.3%)

Saving Accounts 74.86 74.09 76.61 3.4% 2.3%

Time Deposits 86.46 82.76 93.10 12.5% 7.7%

Total Customer

Deposits 237.32 227.19 240.14 5.7% 1.2%

CASA Ratio (%) and customer deposits composition,

Rp tn. Customer deposits growth

63.6% 63.6% 61.2%

CASA ratio

Sharia Customer

Deposits 40.05 39.51 49.29 24.8% 23.1%

1.2%

5.7%

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17.1% 15.9% 15.7%

37.0% 38.7% 39.1%

11.7% 11.6% 11.4%

34.1% 33.8% 33.9%

182.66 198.75 201.05

Mar-22 Dec-22 Mar-23

Commercial Corporate SME Consumer

76.1% 85.6% 82.2%

Loan performance

(Rp tn) Mar-22 Dec-22 Mar-23 QoQ YoY Consumer 62.32 67.19 68.16 1.4% 9.4%

Mortgages 39.75 41.79 41.95 0.4% 5.5%

Auto loans 10.18 11.76 12.28 4.4% 20.6%

Credit cards, Personal loans, &

Others 12.39 13.65 13.93 2.0% 12.4%

Corporate 67.65 76.86 78.59 2.2% 16.2%

Commercial 31.29 31.61 31.48 (0.4%) 0.6%

SME 21.41 23.08 22.82 (1.1%) 6.6%

Total Loans 182.66 198.75 201.05 1.2% 10.1%

Loan composition by segment, Rp tn. Loan growth by segment

10.1%

2.3%

LDR

Sharia Financing 38.07 49.33 50.21 1.8% 31.9%

*

* *

*

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35.3% 36.2% 36.2% _2.2%

28.3% 27.9% 28.1%

82.5%

21.5%

20.9% 20.9%

15.1%

14.9%

15.0% 14.8%

20.06

15.64 14.49

4.06

Mar-22 Dec-22 Mar-23 Mar-23 (ACTIVE) Consumer Corporate Commercial SME

11.6%19.7% 9.5% 15.1% 9.0%13.9% 9.0% 11.0%

Mar-22 Dec-22 Mar-23 Mar-23 (ACTIVE)

64.8% 70.8% 73.0% 73.0%

38.3% 44.5% 47.0% 59.6%

Asset quality

CoC and provision expenses trend, Rp bn COVID restructured loans by segment, Rp tn Special mention, gross NPL and LLC trend, % LAR and LAR coverage, %

11.0%

8.0% 7.2%

2.0%

*

COVID restructured loans to total loans

LAR ratio (excl. Covid) LAR ratio (incl. Covid) LAR coverage (excl. Covid) LAR coverage (incl. Covid)

6.5% 6.5% 5.9% 5.7% 5.4%

3.6% 3.5% 3.6% 2.8% 2.6%

Mar-22 Jun-22 Sep-22 Dec-22 Mar-23 Special Mention Gross NPL ^LLC

210.8% 215.0% 208.8% 242.7% 253.5%

1,139 961 715 999 749

1Q22 2Q22 3Q22 4Q22 1Q23

2.4% 1.7% 1.3% 1.9% 1.5%

Provision Expenses CoC

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76.1% 80.9% 86.9% 85.6% 82.2%

128.6% 121.8% 116.0% 120.1% 117.8%

278.0%

272.1%

255.9%

230.9%

260.2%

LDR NSFR LCR

Liquidity and capital

Sound funding and liquidity positions, % Strong capital, well above minimum requirement, %

188.40 196.15 198.31 195.72 213.66

Mar-22 Jun-22 Sep-22 Dec-22 Mar-23 RWA, Rp tn CAR CAR - Tier 1 (equivalent to CET1 ratio)

23.1% 21.1% 21.0% 22.2% 21.3%

22.1% 20.1% 19.9% 21.1% 20.3%

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Final Remarks

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Final remarks

1 We delivered another strong quarter resulted record quarterly profit

2 Healthy loan growth trends in all business segments

3 Better than expected asset quality driven by improvement in underlying asset quality

4 Significant progress in the execution of our 5 pillar strategy with key focus on achieving sustainable profitable growth

5 On track to achieve our foward23+ long-term goals

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Appendices

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Sustainability pillars

 Sustainability Policy & Procedure

 Disclosure on GHG emissions (Scope 1, 2, & 3)

 Green Office Policy

 Waste Management Initiatives

 Internal Carbon Pricing

 Human Rights Policy

 Sustainable Finance Policy & Procedure

 High Sustainability Risk Sector List

 Sector Guidance

 Identify and Monitor Sustainable Finance Portfolio

 Development of green and/or sustainability- linked products

 Adoption of NDPE

 Community Link

 People With Disabilities Empowerment Program

 Financial Literacy & Inclusion

 Bamboo conservation & its carbon stock (C) measurement

 Bank’s Vision and Mission on Sustainable Finance

 Establishment of Sustainability Unit

 Embed sustainability values to Bank’s DNA

 Sustainability KPI for all employees, including Board of Directors

 Financed emissions baselining

Sustainable Action

Sustainable Business

Governance & CSR Risk Stakeholder Engagement &

Advocacy

 Stakeholders outreach on sustainability (internal and external parties)

 Member of Indonesia Sustainable Finance Initiatives (IKBI)

 Sustainable Finance Action Plan (RAKB) 2019-2023

 Publishing Annual Sustainability Report since 2012

 Sustainability website

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)

Net Zero 2050

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Sustainable finance performance

Electric Motor Xtra.

• Collaboration with Gesit (an electric motorcycle manufacturer in Indonesia) to finance consumer electric motorcycles

Sustainability-linked Waqf Savings

• iB Mapan Wakaf Savings where waqf funds are channeled to water well projects, to support the provision of clean water.

Green Mortgage

• Mortgage financing for green building certified housing and apartments Sustainability-Linked Loans (SLL)

• Sustainability-Linked Loans (SLL) are a type of loan instrument that promotes the achievement of ambitious, predetermined sustainability performance targets (SPT) by clients

Sustainable Finance Program

• Sustainable Finance Program provides special rates for green and/or social financing

“

26% of Bank’s total financing supports climate action and sustainable development.”

Sustainability Market Linked Deposit

• Deposit Structured Product linked into sustainable financing

Solar Panel Financing

• In collaboration with Sunterra and ATW solar panel provides a special offer to CIMB Niaga credit card holders when purchasing rooftop Solar Power Plant.

*Data as at 31 Mar 2023

Sustainable financing products :

METRICS Mar 23

Total SF Portfolio (Rp tn) 51.62

% Portion of SF Portfolio 26%

6.41 2.15

6.49

1.00 15.88

18.81

Management of Biodiversity &

Sustainable Land Use (12%) Sustainable Transportation (4%) Eco-efficient Products (13%) Green Building (2%)

Other Sustainable Activities (31%) UMKM (37%)

Giro Kartini

• Current Account Product dedicated to womenpreneur and women communities

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Notable awards 1Q23

Infobank 6^thSatisfaction, Loyalty &

Engagement (SLE) Awards 2023

 Top Rank KBMI 3 Bank in SLE 2023

 The Strongest Customer Engagement KBMI 3 Bank

 The Best KBMI 3 Bank in Customer Loyalty

 The Most Satisfying KBMI 3 Bank in Mobile Banking

 The Most Satisfying KBMI 3 Bank on ATM Service

Infobank

Indonesia Excellence Good Corporate Governance Awards 2023

• Indonesia Excellence Good Corporate Governance Ethics in Providing Comprehensive of Financial

Solution (Category: Conventional Bank)

Warta Ekonomi The Asset Triple A Country Awards 2022 for

Sustainable Finance

• Best Green Bond

• Best Green Loan

The Assets

Indonesia Public Relation Awards 2023

 The Best Public Relations in Company Strategy on Increasing Customer Satisfaction, Loyalty and Engagement (SLE) by Optimizing Product, Service and

Customer Experiences

Detik.com Award

 CIMB Niaga OCTO Savers : The Most Engaging Digital Savings

 CIMB Niaga OCTO Mobile : The Most Impactful Super App.

Detik.com Warta Ekonomi

Indonesia Human Resources Awards 2023

 The Best HR Management for The Outstanding Development of Comprehensive and Strategic HR

Initiatives, (Category: Conventional Bank)

Warta Ekonomi

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Corporate social responsibility 1Q23

As of 31 March 2023. Program AMDB and TDB has reached 2,712 students at 31 schools in Surabaya, Madiun, Jabodetabek and Sumedang. Based on pre and post survey, there is an increase of financial literacy understanding of 36.91% for AMDB and 23.15% for TDB.

3 February 2023. CIMB Niaga with Yayasan KEHATI and Yayasan Bambu Lestari planted 10,000 Bamboo Betung in Ngada, Flores – NTT. This program will take 3 (three) years with a target of 30,000 Bamboo Betung be planted in 2025

25 January 2023. CIMB Niaga held 2022 Accountability & 2023 Kick Off Financial Literacy and Inclusion Program AMDB and Tour de Bank. In 2022, AMDB and TDB financial literacy activities have reached 10,252 students from 146 schools (SD, SMP, SMA/SMK) and got an increased understanding of financial literacy of 6.89% for AMDB and 16.20% for TDB.

22 February 2023. CIMB Niaga won 2023 Indonesia Green Awards in the category of Developing Biodiversity through the Forest Conservation Program and Developing Productive Businesses for Local Farmer Groups through Tabah Bamboo Cultivation in Rarung Research Forest Area (KHP), Central Lombok - NTB.

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Board of Commissioners

DIDI SYAFRUDDIN YAHYA President Commissioner

GLENN M.S. YUSUF Vice President Commissioner

(Independent)

JEFFREY KAIRUPAN ^*

Independent Commissioner SRI WIDOWATI

Independent Commissioner

DATO’ ABDUL RAHMAN AHMAD

Commissioner VERA HANDAJANI

Commissioner

*) Appointed as Senior Independent Commissioner of the Bank through CIMB Niaga Board of Commissioners Circular Decree No. 014/DEKOM/KP/VI/2019 as of 28 June 2019.

**) Effective upon obtaining the OJK approval and/or fulfilled of the requirements as determined in the OJK approval.

FARINA J.SITUMORANG ^**

Independent Commissioner

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Board of Directors

LEE KAI KWONG

Strategy, Finance, & SPAPM Director JOHN SIMON

Treasury & Capital Markets Director LANI DARMAWAN

President Director PANDJI P. DJAJANEGARA

Sharia Banking Director FRANSISKA OEI

Compliance, Corporate Affairs,

& Legal Director

TJIOE MEI TJUEN

Operations & IT Director RUSLY JOHANNES

Business Banking Director JONI RAINI

Human Resources Director HENKY SULISTYO

Risk Management Director NOVIADY WAHYUDI

Consumer Banking Director

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Corporate group structure

Employees Provident

Fund Permodalan Nasional

Berhad Kumpulan Wang

Persaraan (Diperbadankan) Khazanah

Nasional Berhad

Public

24.1% 13.2% 11.1% 6.2%

7.50% 92.50%*

83.28%

CIMB Group Sdn Bhd

Public 45.4%

94.78%

CIMB Group Holdings Berhad 100.0%

Data as at 28 Feb 2023. * Including PT Commerce Kapital 1.02%

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Share performance and credit ratings

Rating Agency Category Ratings

Moody's

Outlook Stable

Counterparty Risk Rating Baa1/P-2

Bank Deposits Baa2/P-2

Baseline Credit Assessment ba1 Adjusted Baseline Credit Assessment baa2 Counterparty Risk Assessment Baa1(cr)/P-2(cr)

Issuer Rating Baa2

Pefindo

Corporate Rating idAAA/Stable

Shelf Registration Bond Rating idAAA

Subordinated Bonds IdAA

Sukuk Mudharabah idAAA(sy)

Data as at 18 April 2023

Share price Rp 1,330 / share

Share outstanding 25.13 bn shares

Market capitalization Rp 33.2 tn

Source: Capital IQ

950 1,000 1,050 1,100 1,150 1,200 1,250 1,300 1,350

0 5.00mm 10.00mm 15.00mm 20.00mm 25.00mm 30.00mm

25-Apr-22 16-May-22 06-Jun-22 27-Jun-22 18-Jul-22 08-Aug-22 29-Aug-22 19-Sep-22 10-Oct-22 31-Oct-22 21-Nov-22 12-Dec-22 02-Jan-23 23-Jan-23 13-Feb-23 06-Mar-23 27-Mar-23 17-Apr-23

PT Bank CIMB Niaga Tbk (IDX:BNGA) - Volume PT Bank CIMB Niaga Tbk (IDX:BNGA) - Share Pricing

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Thank you!

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

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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.