Investor Presentaiton

Final Remarks > Improved momentum in 2Q23 performance driven by robust NOII, strong loan growth and CASA expansion 1H23 FY23 Guidance FY23 Targets FY24 Forward23 + Ambition Σ The Group is also benefiting diversified ASEAN portfolio from the as strong M * ROE 10.6% 10.2-11.0% 10.2-11.0% Top quartile (11.5-12.5%) >>> >>> Σ performance in Indonesia and Singapore balancing other markets' muted growth We continue to maintain a cautious stance given global headwinds, elevated interest rate and heightened deposit competition. However, NIM pressure is expected to subside as the Group continue to focus on strengthening the CASA and deposit franchise The Group remains focused on executing the Forward23+ strategic plans on targeted segment growth, cost management and asset quality management, as well as sustained investments to deliver on our FY23 and Forward 23+ targets % Dividend Payout Ratio 55% 55% 40-60% 40-60% Total Loan 8.3% 6-7% 5-6% Growth In line with market Cost to $ 46.0% <46.5% <46.5% ≤45% income * Loan Loss Charge 38bps 40-50bps 45-55bps 50-60bps CET 1 (CIMB 14.2% >13.5% >13.5% >13.5% Group) Note: *Annualised 26

View entire presentation