Investor Presentaiton

FORMARB23* Vision To be the leading focused ASEAN bank Strategic Themes Σ a) Reshape b) Drive cost efficiency c) Digitise for value d) Focused investments • Facilitate intra-ASEAN 1 Delivering Sustainable Financial Returns portfolio Accelerate profitable growth • Fix & turnaround underperforming businesses 2 Disciplined Execution • Performance culture Simplify corporate, oversight & management structure Regional operating model. 5 Purpose-driven organisation • Reset cost base • • Tighten expense management Increase productivity • Strengthen technology Digitise & automate front & back office ③ Customer Centricity wholesale • Preferred & wealth • CASA, fee income and transaction banking • Islamic Finance • Focus on data & analytics • • Strengthen reliability Transform Customer journeys • • Treat customers Fairly Selective CIMB digital investments 4 Transform Fundamentals a) Culture & Values b) Human capital • Risk management • Capital optimisation Finance & Compliance c) Sustainability 22

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