Investor Presentaiton

Σ CIMB Niaga Key Ratios : CIMB NIAGA (Consolidated, %) 2Q23 1Q23 Q-0-Q 1H23 1H22 Y-o-Y ROE ^* 15.8 15.1 15.4 12.8 NIM ^ 4.52 4.71 4.61 4.54 Cost to Income* 42.1 44.5 43.3 43.6 Loan Loss Coverage # 261.9 253.5 261.9 215.0 Allowance Coverage 110.7 105.0 110.7 115.3 Loan Loss Charge ^ 1.8 1.5 1.6 2.1 Gross Impaired Loans Ratio. 5.9 6.2 5.9 6.5 Gross NPL (BI Definition) # 2.5 2.6 2.5 3.5 ROAN ^* 2.6 2.6 2.6 2.2 Loan to Deposit (LDR) 86.0 82.2 86.0 80.9 CAR 23.2 21.3 23.2 21.1 CASA ratio 64.3 61.2 64.3 65.7 Notes: As per CIMB Niaga 2Q23 Analyst Presentation # Based on Bl definition ^ Annualised and monthly average * Exclude exceptional items 38 38

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