Slides
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Analyst Presentation 2Q26 CIMB Group Holdings 28 August 2026
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GCEO Observations
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Resilient 2Q26 performance with RM1.94 bil net profit and 11.2% ROE Note: * On constant currency basis 3 Resilient earnings momentum in 2Q26, with income and net profit up 2.8% and 1.2% QoQ respectively, supported by broad-based performance across the Group: Our differentiated franchise continued to capture opportunities from recent structural shifts across ASEAN, particularly in AI and data centres, wealth and cross-border trade Assets and loans up 2.2%* and 1.1%* QoQ respectively, offsetting the 4bps NIM decline. Pipeline remains strong Strong NOII growth of 6.0% QoQ, driven by higher franchise fees and sustained client sales momentum Transformation to become Simpler, Better, Faster has led to costs reducing 1.6% QoQ and CIR improving to 45.2%, while we continue to invest in technology & AI Asset quality remained stable, with GIL improving to an all-time low of 1.6% Maintained a consistent payout ratio of 55%, with a 1H26 dividend of 19.65 sen per share. CET 1 at 14.0%
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Accelerating Forward30: Creating a differentiated franchise Capture opportunities from recent structural shifts in ASEAN MyWealth on 2 Unique digital proposition at scale Future of banking: Tokenisation of sukuk & deposits Sole principal advisor, sole lead arranger and sole facility agent for Malaysia’s first tokenised Sukuk First Malaysian bank to pioneer a RM1.38bn tokenised sukuk, to be settled with CIMB tokenised deposits Wealth 3 Cross-border corridors • JS – SEZ & ASEAN Financial Passport • China – ASEAN partnerships • SG – MY Corridors Leveraging on each other’s strengths & platform to expand access to financial products 1 AI & data centres TNG Group continues to outperform with total profit growing >100% YoY 2 1 Apr 26 Aug 26 4
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GCFSO Observations
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Profit Before Tax (RM) 2,607 mil +2.2% QoQ 2Q26 Key Highlights Group NIM 2.04% -4bps QoQ Cost-to-Income 45.2% -200bps QoQ Total Assets (RM) 795.0 bil +2.2% QoQ* ROE 11.2% +20bps QoQ CET1 14.0% -30bps QoQ Loan Loss Charge 38bps +7bps QoQ NOII/Total Income 32.9% +100bps QoQ Note: * On constant currency basis 6
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Profit Before Tax (RM) 5,158 mil -2.2% YoY 1H26 Key Highlights Group NIM 2.06% -10bps YoY Cost-to-Income 46.2% Flat YoY Total Assets (RM) 795.0 bil +6.3% YoY* ROE 11.0% -10bps YoY CET1 14.0% -70bps YoY Loan Loss Charge 34bps +5bps YoY NOII/Total Income 32.4% +130bps YoY Note: * On constant currency basis 7
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Sequentially robust NOII and asset growth mitigated NIM weakness Resilient underlying performance Cost containment driving operational efficiency Total Income Growth (RM ’mil) NII NOII NIM YoY Growth* Operating Expenses (RM ’mil) CIR 781 795 Mar-26 Jun-26 Key Business Highlights 8 -1.2% YoY +3.9% YoY* -1.6% QoQ -1.0% QoQ* Note: * On constant currency basis 45.5% 46.9% 49.9% 47.2% 45.2% 2Q25 3Q25 4Q25 1Q26 2Q26 Flat YoY-200bps QoQ Country (Local currency) Operating Income YoY Malaysia 3.7% Indonesia 4.7% Thailand 4.7% Singapore 1.9% +11.9% +6.0% -5.0% +1.3% 1Q26 2Q26 +2.8% QoQ +4.0% QoQ* 5,410 5,562 2.08% 2.04% 1Q26 2Q26 +1.8% QoQ +2.2% QoQ* 2,555 2,515 1Q26 2Q26 5,131 5,070 1H25 1H26 3.3% 3.9% 5.2% 1.7% 4.5% 1H25 9M25 FY25 1Q26 1H26 2.7% 4.0% 4.2% 3.5% 3.7%Operating Income Net Profit Total Assets (RM ’bil)
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Consumer Banking Commercial Banking Wholesale Banking Strong QoQ performance driven by wealth income and cost management. However, PBT was lower YoY on the back of NIM pressure and absence of writebacks CIMB Digital Assets & Group Funding Strong 2Q26 FX income offset by absence of writebacks. Healthy 1H26 Commercial PBT underpinned by stronger fee and FX income, offsetting pressure on NIM. Solid Wholesale PBT supported by robust Treasury & Markets on the back of volatile capital markets. Resilient asset quality contributed to higher recoveries Weaker PBT attributed to increased transformation related opex and provisions. This was partly offset by TNGD’s continued positive trajectory PBT by Segment 42% 20% 14% 24% PBT RM1,255 mil PBT RM2,156 mil PBT RM1,037 mil PBT RM710 mil 9 ▼ 2.2% 1H26 Group PBT RM5,158 mil QoQ ▲ 7.4% QoQ ▲ 31.3% QoQ ▼ 28.3% QoQ ▼ 26.8% YoY ▼ 16.0% YoY ▲ 7.0% YoY ▲ 12.6% YoY ▼ 16.0%
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2Q26 PBT impacted by lower trading income and one-off transformation charges. Positive performance from Thailand YoY from NIM expansion and improved asset quality. CIMB Thai’s restructuring to underpin sustainable ROE expansion 16% PBT by Country 59% 20% 5% Malaysia Indonesia Singapore Thailand Strong revenue underpinned by good asset growth. Bottom line growth impacted by higher pre-emptive provisions despite stable underlying asset quality Good Trading & FX and Wealth performance was offset by cautious asset growth and NIM headwinds, along with lower writebacks Singapore’s PBT grew QoQ and YoY mainly due to strong recoveries. Wealth income and asset growth remains robust partially offsetting pressure from lower NIM 10 ▼ 2.2% 1H26 Group PBT RM5,158 mil PBT RM3,054 mil PBT RM820 mil PBT RM1,034 mil PBT RM232 mil YoY ▼ 4.2% YoY ▲ 18.7% YoY ▼ 16.6% YoY ▲ 46.8% QoQ ▼ 9.9% QoQ ▼ 37.8% QoQ ▲ 43.3% QoQ ▲ 1.1%
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3,833 3,819 3,875 3,683 3,732 Net Interest Income NII improved on constant currency basis supported by healthy asset growth despite weaker NIM Net Interest Income (RM ‘mil) +1.3% QoQ +2.4% QoQ -2.6% YoY Notes: * Annualised ^ Local reported NIM ~ On constant currency basis **6M & 3M Compounded SORA 7,652 7,415 -3.1% YoY +1.7% YoY ~ ~ Malaysia 1.80% 1.75% 1.79% 1.80% 1.74% Malaysia OPR 3.00% 2.75% 2.75% 2.75% 2.75% Indonesia^ 3.93% 4.08% 3.88% 3.83% 3.85% BI-rate 5.50% 4.75% 4.75% 4.75% 5.75% Thailand^ 1.72% 1.86% 1.91% 1.96% 1.98% Thai OPR 1.75% 1.50% 1.25% 1.00% 1.00% Singapore 1.45% 1.09% 1.09% 1.23% 1.20% SORA** 2.05% 1.45% 1.19% 1.07% 1.08% 1.80% 1.77% 3.00% 2.75% 3.96% 3.84% 5.50% 5.75% 1.89% 1.97% 1.75% 1.00% 1.37% 1.21% 2.31% 1.08% Net Interest Margin* 2.15% 2.08% 2.10% 2.08% 2.04% 2Q25 3Q25 4Q25 1Q26 2Q26 Group 2.16% 2.06% 1H25 1H26 11
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Non-Interest Income 12 NOII increased QoQ from higher fees and other income; Higher YoY attributed to higher wealth, treasury client sales and stronger other income 2,128 1,544 1,727 1,830 +6.0% QoQ(RM ‘mil) Fees & Commission Treasury Client Sales Others +3.4% YoY Notes: * On constant currency basis Client franchise income (Fees + Wealth + Treasury Client Sales) +6.2% YoY on constant currency basis Trading +7.2% QoQ* Wealth +3.1% YoY +8.2% YoY* 1,769 3,449 3,557 170 268 608 634 967 954 590 672 1,114 1,029 1H25 1H26 143 235 52 64 204 296 281 338 315 319 501 675 356 495 459 291 380 302 349 323 538 557 496 504 525 2Q25 3Q25 4Q25 1Q26 2Q26
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587 593 806 537 560 435 406 465 442 414 1,529 1,792 1,434 1,576 1,541 2Q25 3Q25 4Q25 1Q26 2Q26 PCIR 27.3% 30.1% 26.5% 29.1% 27.7% TCIR 7.8% 6.8% 8.6% 8.2% 7.4% 1,136 1,097 877 856 3,118 3,117 1H25 1H26 Technology 46.2% 46.2% Operating Expenses CIR Others 5,131 5,070 Disciplined cost management drove opex lower; CIR improved 200bps QoQ and was flat YoY despite lower revenue -1.2% YoY (RM ‘mil) Personnel 13 28.1% 28.4% 7.9% 7.8% 45.5% 46.9% 49.9% 47.2% 45.2% -1.6% QoQ -1.4% YoY 2,551 2,791 2,705 2,555 2,515
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32 40 23 31 38 (236) (560) (474) (266) (620) 249 323 283 114 438 391 567 399 508 650 2Q25 3Q25 4Q25 1Q26 2Q26 Note: * Annualised 14 Asset Quality Gross Impaired Loans Ratio (%) Asset quality remains broadly stable with continued GIL improvement 2.1 1.9 1.7 1.7 1.6 (533) (886) 513 553 735 1,157 1H25 1H26 Retail Recoveries and write-offs Non-Retail 100.7 102.8 103.2 101.8 99.5 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Allowance Coverage (%) Total Provisions (RM ‘mil) Loan Loss Charge* (bps) 29 34 715 824 356 468 404 330 208
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Debt SecuritiesTotal Assets Amortised Cost 27% FVTPL 37% FVOCI 36% Total Assets and Debt Securities (RM ’bil) Jun-26 Mar-26 QoQ Jun-25 YoY Malaysia 152.5 146.7 4.0% 142.5 7.0% Indonesia 20.9 22.5 (7.1%) 22.1 (5.3%) Thailand 23.6 23.2 1.6% 24.6 (4.1%) Singapore 31.5 29.3 7.3% 29.9 5.4% Others (0.8) (0.8) (1.1%) (0.8) (0.3%) Total 227.7 220.9 3.1% 218.3 4.3% 30 Jun-26 RM227.7 bil Breakdown by Portfolio (RM ’bil) Jun-26 Mar-26 QoQ Jun-25 YoY Loans (net) 450.6 447.3 0.7% 439.5 2.5% Debt Securities 227.7 220.9 3.1% 218.3 4.3% Cash, Dep & Repo 52.3 47.8 9.4% 47.1 10.9% Other Assets 64.4 65.0 (0.9%) 64.3 0.1% Total 795.0 781.0 1.8% 769.2 3.3% On constant currency 2.2% 6.3% 15
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Malaysia 63%Indonesia 14% Thailand 7% Singapore 10% Others 6% Loans-to-Deposit Ratio Gross Loans Notes: ~ Group figures on constant currency basis ^ In local currency # Based on geographical location of counterparty * Including Cambodia, Vietnam and Philippines # 30 Jun-26 RM458.1 bil Country (%) Country (%) Group 5.1% Singapore^ 6.7% Malaysia 5.1% Thailand^ (0.8%) Indonesia^ 6.6% Others^* 8.4% Loan Growth by Country (YoY) ~ (RM ’bil) 30 Jun-26 QoQ YoY Consumer Banking 242.9 0.7% 1.7% Commercial Banking 76.2 0.8% (0.1%) Wholesale Banking 136.4 0.4% 4.0% CIMB Digital Assets and Others 2.6 8.3% (10.3%) Total 458.1 0.7% 2.0% Total on constant currency 1.1% 5.1% 16 88.0% 86.5% 86.4% 86.6% 85.4% Jun-25 Sep-25 Dec-25 Mar-26 Jun-26
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Malaysia 68% Indonesia 12% Thailand 6% Singapore 13% Others 1% Growth by Country (%) Deposit CASA CASA Ratio Jun-26 Mar-26 Jun-25 Malaysia 11.2 8.1 32.3 33.0 33.2 Indonesia^ 2.8 6.9 71.7 73.9 69.0 Singapore^ 5.4 3.9 53.5 55.0 54.2 Thailand^ (5.9) (1.0) 80.8 77.8 76.8 Others* 1.2 0.6 - - - Group 8.0 5.9 42.6 43.3 44.0 Deposits 30 Jun-26 RM536.5 bil ~ Notes: ~ Group figures on constant currency basis ^ In local currency * Including Cambodia, Vietnam and Philippines (RM ’bil) 30 Jun-26 QoQ YoY Consumer Banking 223.9 1.1% (0.6%) Commercial Banking 97.1 1.3% 3.6% Wholesale Banking 214.4 4.1% 15.5% CIMB Digital Assets and Others 1.1 (45.0%) (81.0%) Total 536.5 2.1% 5.1% Total on constant currency 2.5% 8.0% Total CASA 228.3 0.4% 1.6% CASA Ratio 17 44.0% 44.1% 42.7% 43.3% 42.6% Jun-25 Sep-25 Dec-25 Mar-26 Jun-26
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13.00 17.50 20.00 19.75 19.65 13.00 18.50 20.00 20.35 7.00 7.00 7.00 FY22 FY23 FY24 FY25 1H26 Dividend Payout 18 Dividend per share 1H26 dividend payout ratio of 55.4% Total 1H26 dividends of RM2.1 bil Period Total dividend payout (RM ’bil) Dividend per share (sen) Dividend Yield (%) FY22 2.7 26.00 4.5 FY23 4.6 43.00 7.4 FY24 5.0 47.00 5.7 FY25 5.1 47.10 5.7 1H26 2.1 19.65 (sen) Notes: * Dividend payout ratio exclude special dividends # Dividend yield based on respective year-end share price ^ 1st Interim 2nd Interim Special Dividend 47.10 26.00 43.00 47.00 Dividend Payout Ratio* # 50.5% 55.0% 55.5% 55.0% 55.4% FY22 FY23 FY24 FY25 1H26
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14.7% 14.3% 14.0% 0.6% 0.6% 0.6% 3.0% 3.1% 2.9% 18.3% 18.0% 17.5% Jun-25 Mar-26 Jun-26 Tier 2 Tier 1 CET1 Capital and Liquidity Management (%) Jun-26 Mar-26 Jun-25 CIMB Bank* 149 146 146 CIMB Islamic* 162 153 127 CIMB Niaga 187 207 206 CIMB Thai 166 156 179 Capital Adequacy Notes: ~ Post CIMBGH’s Declared FY26 First Interim Dividend ^ Post CIMBGH's FY25 First Interim Dividend # Post CIMBGH's FY25 Second Interim Dividend * Average LCR in line with standardised disclosure requirement in Bank Negara Malaysia’s Policy Document issued on 15 Oct-24 Liquidity Coverage Ratios ~ 19 ^ #
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Consumer Banking Positive underlying performance with PPOP growth QoQ and YoY on the back of disciplined cost management and strong wealth income Note: * on constant currency basis 20 27.1 30.5 26.7 28.1 30.4 2Q25 3Q25 4Q25 1Q26 2Q26 55.9 53.0 62.0 56.6 52.0 2Q25 3Q25 4Q25 1Q26 2Q26 (RM ’mil) 2Q26 QoQ 1H26 YoY Operating income 2,240 1.7% 4,443 (1.2%) Overhead expenses (1,164) (6.6%) (2,410) (4.2%) PPOP 1,076 12.4% 2,033 2.6% (Provisions) / Writebacks (425) 19.4% (781) 64.4% Share of JV / Associates (1) (>100.0%) 3 (>100.0%) PBT 650 7.4% 1,255 (16.0%) (RM ‘bil) Jun-26 YoY YoY* Gross Loans 242.9 1.7% 3.6% Deposits 223.9 (0.6%) 2.4% CASA 98.0 (2.7%) 1.7% NOII/Total Income (%) CIR (%) 100.7 102.9 101.1 99.6 98.0 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 CASA (RM’ bil)
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Commercial Banking 21 Resilient underlying performance YoY on strong NOII and client franchise growth, partially offset by normalised credit cost QoQ Note: * on constant currency basis 23.0 19.3 20.1 19.9 21.6 50.8 50.3 52.9 51.1 47.4 2Q25 3Q25 4Q25 1Q26 2Q26 NOII/Total Income (%) CIR (%) CASA (RM’ bil) 62.4 63.7 67.2 65.7 67.2 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 (RM ’mil) 2Q26 QoQ 1H26 YoY Operating income 1,037 2.6% 2,048 (0.2%) Overhead expenses (492) (4.8%) (1,009) (4.2%) PPOP 545 10.3% 1,039 4.0% (Provisions) / Writebacks (112) n.a. (2) (97.4%) Share of JV / Associates - n.a. - n.a. PBT 433 (28.3%) 1,037 12.6% (RM ‘bil) Jun-26 YoY YoY* Gross Loans 76.2 (0.1%) 3.3% Deposits 97.1 3.6% 7.2% CASA 67.2 7.7% 11.6%
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Wholesale Banking 22 Robust earnings underpinned by healthy asset growth and strong asset quality; strong Treasury & Markets performance offset softer Corporate Banking income Note: * on constant currency basis 50.8 58.3 45.6 54.1 51.5 37.7 33.3 45.6 38.0 37.0 2Q25 3Q25 4Q25 1Q26 2Q26 NOII/Total Income (%) CIR (%) CASA (RM’ bil) 60.7 61.5 55.3 61.9 62.6 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 (RM ’mil) 2Q26 QoQ 1H26 YoY Operating income 1,582 4.6% 3,094 (0.2%) Overhead expenses (585) 1.9% (1,159) (1.3%) PPOP 997 6.3% 1,935 0.4% (Provisions) / Writebacks 227 (>100.0%) 221 >100.0% Share of JV / Associates - n.a. - n.a. PBT 1,224 31.3% 2,156 7.0% (RM ‘bil) Jun-26 YoY YoY* Gross Loans 136.4 4.0% 8.9% Deposits 214.4 15.5% 17.9% CASA 62.6 3.1% 7.5%
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+8.6% QoQ 1Q26 2Q26 75 82 CIMB Digital Assets & Group Funding Increased transformation related expenses in Group Funding partially offsets the growing profit contribution from TNGD (RM ’mil) 2Q26 QoQ 1H26 YoY Operating income 703 2.8% 1,387 (4.4%) Overhead expenses (273) 25.2% (491) 26.5% PPOP 430 (7.7%) 896 (15.7%) (Provisions) / Writebacks (158) 51.9% (262) 4.8% Share of JV / Associates 28 (41.7%) 76 137.5% PBT 300 (26.8%) 710 (16.0%) TNGD Total Payment Value (RM ‘bil) TNG Group Total Profit (RM ‘mil) 1Q26 2Q26 -0.9% QoQ 45.0 44.6 >100% YoY 1H25 1H26 32.1 89.6 1H25 1H26 +68.8% YoY 93 157 23
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CIMB Islamic 24 Earnings impacted by higher provisioning; Islamic financing and deposit growth momentum remains healthy 19.7 24.1 14.9 14.7 18.2 33.5 29.9 43.3 36.7 35.2 2Q25 3Q25 4Q25 1Q26 2Q26 NOII/Total Income (%) CIR (%) CASA (RM’ bil) 47.8 50.1 49.3 51.7 54.3 Jun-25 Sep-25 Dec-25 Mar 26 Jun 26 (RM ’mil) 2Q26 QoQ 1H26 YoY Operating income 1,152 3.6% 2,264 0.2% Overhead expenses (405) (0.7%) (813) 5.9% PPOP 747 6.1% 1,451 (2.7%) (Provisions) / Writebacks (369) >100.0% (455) >100.0% Share of JV / Associates 1 Flat 1 Flat PBT 379 (38.7%) 997 (25.5%) (RM ‘bil) Jun-26 YoY % of Group Islamic Financing 165.2 3.5% 36.1% Islamic Deposits 173.6 9.2% 32.4% CASA 54.3 13.6% 23.8%
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2026 guidance maintained, with Forward30 execution firmly on track Indicator FY26 guidance ROE 11.0 – 11.5% Asset Growth (on constant currency) 5 – 7% CIR < 47% Loan Loss Charge 25 – 35 bps CET1 (CIMB Group) ≥ 14.0% 25 Focused execution of the Forward30 4Cs - Capital, Cash, Cross-sell and Capabilities - to drive long-term sustainable growth and shareholder returns Disciplined capital allocation, divested Thailand auto business, while doubling down on unique digital proposition at scale of Universal Bank and TNG Group Deepen cash and cross-sell to capture new growth opportunities across ASEAN, particularly in AI and data centres, wealth & cross-border trade Extract value from capabilities through Simpler, Better, Faster initiatives, with OPEX expected to continue declining as one-off transformation costs roll-off Committed to deliver on our announced multi-year capital return plan, supported by a strong capital position
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Appendices
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Earnings Summary (RM ’mil) 2Q26 1Q26 QoQ 1H26 1H25 YoY 2Q25 YoY Net interest income 3,732 3,683 1.3% 7,415 7,652 (3.1%) 3,833 (2.6%) Non-interest income 1,830 1,727 6.0% 3,557 3,449 3.1% 1,769 3.4% Operating income 5,562 5,410 2.8% 10,972 11,101 (1.2%) 5,602 (0.7%) Overhead expenses (2,515) (2,555) (1.6%) (5,070) (5,131) (1.2%) (2,551) (1.4%) PPOP 3,047 2,855 6.7% 5,902 5,970 (1.1%) 3,051 (0.1%) Loan (impairment)/writeback (441) (357) 23.5% (798) (696) 14.7% (408) 8.1% Other (provisions)/writebacks (27) 1 n.a. (26) (19) 36.8% 4 n.a. Share of JV / Associates 28 52 (46.2%) 80 20 >100.0% 1 >100.0% PBT 2,607 2,551 2.2% 5,158 5,275 (2.2%) 2,648 (1.5%) Net profit 1,939 1,916 1.2% 3,855 3,862 (0.2%) 1,889 2.6% EPS (sen) 17.9 17.8 0.8% 35.7 36.0 (0.9%) 17.6 1.9% ROE 11.2% 11.0% 20bps 11.0% 11.1% -10bps 10.9% 30bps 28
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(%) 2Q26 1Q26 QoQ 1H26 1H25 YoY 2Q25 YoY ROE ~ 11.2 11.0 ▲ 11.0 11.1 ▼ 10.9 ▲ NIM ~* 2.04 2.08 ▼ 2.06 2.16 ▼ 2.15 ▼ NIM banking book ~* 2.43 2.49 ▼ 2.46 2.65 ▼ 2.64 ▼ Non-interest income / total income 32.9 31.9 ▲ 32.4 31.1 ▲ 31.6 ▲ Cost to income 45.2 47.2 ▼ 46.2 46.2 = 45.5 ▼ Allowance coverage (including regulatory reserve) 133.2 133.7 ▼ 133.2 120.6 ▲ 120.6 ▲ Allowance coverage (excluding regulatory reserve) 99.5 101.8 ▼ 99.5 100.7 ▼ 100.7 ▼ Loan loss charge ~ 0.38 0.31 ▲ 0.34 0.29 ▲ 0.32 ▲ Gross impaired loans ratio 1.6 1.7 ▼ 1.6 2.1 ▼ 2.1 ▼ Net impaired loans ratio (Net of IA and PA) 0.01 (0.03) ▲ 0.01 (0.02) ▲ (0.02) ▲ ROA ~ 0.98 0.98 = 0.98 1.01 ▼ 0.98 = Book value per share (RM) 6.50 6.37 ▲ 6.50 6.54 ▼ 6.54 ▼ Loan to Deposit (LDR) 85.4 86.6 ▼ 85.4 88.0 ▼ 88.0 ▼ CASA ratio 42.6 43.3 ▼ 42.6 44.0 ▼ 44.0 ▼ Key Ratios Notes: ~ Annualised * Daily Average 29
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(RM ’mil) 2Q26 1Q26 QoQ 1H26 1H25 YoY Fee & commission 715 695 2.9% 1,410 1,418 (0.6%) Brokerage 15 16 (6.3%) 31 19 63.2% Asset management and security services 5 6 (16.7%) 11 8 37.5% Trading & FX 910 967 (5.9%) 1,877 1,859 1.0% Dividend income 34 21 61.9% 55 33 66.7% Other income 151 22 >100.0% 173 112 54.6% Total 1,830 1,727 6.0% 3,557 3,449 3.1% NOII breakdown 30
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Operating Expenses 31 (RM ’mil) 2Q26 1Q26 QoQ 1H26 1H25 YoY Personnel 1,541 1,576 (2.2%) 3,117 3,118 Flat Establishment 179 175 2.3% 354 363 (2.5%) Technology 414 442 (6.3%) 856 877 (2.4%) Marketing 104 90 15.6% 194 242 (19.8%) Admin & General 277 272 1.8% 549 531 3.4% Total 2,515 2,555 (1.6%) 5,070 5,131 (1.2%) On constant currency (1.0%) 3.9%
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PBT (RM ’mil) 2Q26 1Q26 QoQ 1H26 1H25 YoY Consumer Banking (24%) 650 605 7.4% 1,255 1,494 (16.0%) Commercial Banking (20%) 433 604 (28.3%) 1,037 921 12.6% Wholesale Banking (42%) 1,224 932 31.3% 2,156 2,015 7.0% Corporate Banking (19.6%) 642 370 73.5% 1,012 1,017 (0.5%) Treasury & Markets ~ (20.6%) 531 533 (0.4%) 1,064 932 14.2% Investment Banking + (1.6%) 51 29 75.9% 80 66 21.2% CIMB Digital Assets & Group Funding# (14%) 300 410 (26.8%) 710 845 (16.0%) PBT 2,607 2,551 2.2% 5,158 5,275 (2.2%) PBT by Segments Notes: ~ Including treasury operations, markets and transaction banking + Including advisory, equities, capital markets, private banking and research # Including asset management, strategic investments, capital investments in fixed income securities and investment in Group’s proprietary capital 32
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Note: * Includes Cambodia, Vietnam and Philippines PBT by Segment and Country 33 Consumer Banking 2Q26 1Q26 QoQ 1H26 1H25 YoY Malaysia (RM ’mil) 507 363 39.7% 870 983 (11.5%) Indonesia (IDR ’bil) 283 487 (41.9%) 770 1,603 (52.0%) Thailand (THB ’mil) 238 554 (57.0%) 792 (258) 407.0% Singapore (SGD ’mil) 14 17 (17.6%) 31 30 3.3% Others * (RM ’mil) 5 5 0.0% 10 20 (50.0%) PBT (RM ’mil) 650 605 7.4% 1,255 1,494 (16.0%) Commercial Banking 2Q26 1Q26 QoQ 1H26 1H25 YoY Malaysia (RM ’mil) 250 429 (41.7%) 679 558 21.7% Indonesia (IDR ’bil) 359 503 (28.6%) 862 544 58.5% Thailand (THB ’mil) (15) (115) 87.0% (130) 36 (461.1%) Singapore (SGD ’mil) 28 17 64.7% 45 52 (13.5%) Others * (RM ’mil) 14 19 (26.3%) 33 39 (15.4%) PBT (RM ’mil) 433 604 (28.3%) 1,037 921 12.6% Wholesale Banking 2Q26 1Q26 QoQ 1H26 1H25 YoY Malaysia (RM ’mil) 528 485 8.9% 1,013 1,110 (8.7%) Indonesia (IDR ’bil) 1,211 920 31.6% 2,131 1,659 28.5% Thailand (THB ’mil) 840 473 77.6% 1,313 1,014 29.5% Singapore (SGD ’mil) 99 53 86.8% 152 95 60.0% Others * (RM ’mil) 7 7 0.0% 14 16 (12.5%) PBT (RM ’mil) 1,224 932 31.3% 2,156 2,015 7.0%
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Malaysia QoQ YoY Consumer Gross Loans 1.0% 4.3% Mortgages 1.1% 4.3% Wealth (0.5%) (2.6%) Auto 1.5% 7.9% Credit cards 1.1% 4.2% Consumer Deposits 2.6% 6.8% CASA 0.2% 5.2% Fixed & structured deposits 3.8% 7.6% Indonesia ^ QoQ YoY Consumer Gross Loans 0.0% 0.3% Mortgages 1.0% 1.0% Auto 0.2% 4.8% Credit cards 1.7% 3.0% Consumer Deposits (0.6%) 2.3% CASA (1.5%) 5.3% Fixed & structured deposits 1.5% (3.8%) Thailand ^ QoQ YoY Consumer Gross Loans (2.7%) (7.2%) Mortgages (1.6%) (3.4%) Auto (6.6%) (19.6%) Consumer Deposits (5.2%) (11.9%) CASA (1.9%) (4.9%) Fixed & structured deposits (17.5%) (33.5%) Singapore ^ QoQ YoY Consumer Gross Loans 5.5% 13.6% Mortgages 5.0% 8.3% Wealth 6.0% 20.3% Credit cards 6.8% 18.8% Consumer Deposits 2.5% (2.1%) CASA (1.6%) (0.7%) Fixed & structured deposits 7.3% (3.5%) Note: ^ On constant currency basis Consumer Banking Key Highlights 34
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Note: As per CIMB Niaga 2Q26 Analyst Presentation (IDR 'bil) 2Q26 1Q26 QoQ 1H26 1H25 YoY Net interest income 3,334 3,220 3.5% 6,553 6,624 (1.1%) Non-interest income 1,757 1,836 (4.3%) 3,593 2,873 25.1% Operating income 5,091 5,056 0.7% 10,146 9,497 6.8% Overhead expenses (2,267) (2,370) (4.3%) (4,637) (4,324) 7.2% PPOP 2,823 2,686 5.1% 5,509 5,173 6.5% Provisions (762) (420) 81.3% (1,182) (738) 60.2% PBT 2,062 2,266 (9.0%) 4,327 4,435 (2.4%) Net Profit 1,671 1,765 (5.3%) 3,436 3,455 (0.5%) EPS (Reported) 66.47 70.20 (5.3%) 136.67 137.43 (0.6%) PBT (RM 'mil) 469 533 (12.0%) 1,002 1,182 (15.2%) Net profit (RM 'mil) 381 415 (8.3%) 796 921 (13.5%) ROE (Annualised) 12.5% 12.7% (20bps) 12.6% 13.5% (90bps) CIMB Niaga: Earnings Summary 35
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(Consolidated, %) 2Q26 1Q26 QoQ 1H26 1H25 YoY ROE ^ 12.5 12.7 ▼ 12.6 13.5 ▼ NIM ^ 3.85 3.83 ▲ 3.84 3.96 ▼ Cost to Income 44.5 46.9 ▼ 45.7 45.5 ▲ Loan Loss Coverage # 152.3 176.2 ▼ 152.3 233.8 ▼ Allowance Coverage 106.3 112.0 ▼ 106.3 110.6 ▼ Loan Loss Charge ^ 1.16 0.79 ▲ 0.98 0.65 ▲ Gross Impaired Loans Ratio 2.6 2.9 ▼ 2.6 3.9 ▼ Gross NPL (BI Definition) # 1.8 1.9 ▼ 1.8 1.9 ▼ ROA ^ 1.8 1.9 ▼ 1.9 1.9 = Loan to Deposit (LDR) 90.4 89.2 ▲ 90.4 87.3 ▲ CAR 23.5 25.3 ▼ 23.5 24.0 ▼ CASA ratio 71.7 73.9 ▼ 71.7 69.0 ▲ Notes: As per CIMB Niaga 2Q26 Analyst Presentation # Based on BI definition ^ Annualised and monthly average CIMB Niaga: Key Ratios 36
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Before GAAP Adjustments (THB 'mil) 2Q26 1Q26 QoQ 1H26 1H25 YoY Net interest income 2,132 2,042 4.4% 4,174 4,093 2.0% Non-interest income 1,352 1,431 (5.5%) 2,783 2,687 3.6% Operating income 3,484 3,473 0.3% 6,957 6,780 2.6% Overhead expenses (1,880) (1,868) 0.6% (3,748) (3,530) 6.2% PPOP 1,604 1,605 (0.1%) 3,209 3,250 (1.3%) Provisions (503) (866) (41.9%) (1,369) (1,981) (30.9%) PBT 1,101 739 48.9% 1,840 1,269 45.0% Net Profit 886 602 47.2% 1,489 1,013 47.0% EPS (THB) 0.03 0.02 47.2% 0.04 0.03 47.0% Net Profit (RM 'mil) ~ 110 76 45.6% 185 132 39.8% PBT (RM 'mil) * 90 141 (36.6%) 229 167 37.2% Net profit (RM 'mil) * 72 114 (36.7%) 185 133 39.1% ROE (Annualised) 7.0% 4.7% 230bps 5.8% 4.0% 180bps CIMB Thai: Earnings Summary Notes: ~ Local GAAP * After GAAP and MFRS 139 adjustments 37
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(Consolidated, %) 2Q26 1Q26 QoQ 1H26 1H25 YoY ROE ^ 7.0 4.7 ▲ 5.8 4.0 ▲ NIM ^ 1.98 1.96 ▲ 1.97 1.89 ▲ Cost to Income 54.0 53.8 ▲ 53.9 52.1 ▲ Loan Loss Coverage ** 179.3 182.2 ▼ 179.3 155.9 ▲ Loan Loss Charge ^ 0.8 1.5 ▼ 1.2 1.6 ▼ Gross NPL ratio ** 2.1 2.1 = 2.1 2.6 ▼ ROA 0.7 0.5 ▲ 0.6 0.4 ▲ Loan to Deposit 83.5 87.8 ▼ 83.5 81.5 ▲ Modified LDR *** 78.3 82.5 ▼ 78.3 77.1 ▲ CAR * 20.0 19.6 ▲ 20.0 21.2 ▼ CASA ratio # 80.8 77.9 ▲ 80.8 76.9 ▲ Notes: * Bank Only ** Excluding STAMC *** (Loan + MM) / (Deposit + MM + BE + S/T debenture + structured debenture) ^ Annualised # Fixed deposit receipt call reclassified as savings from fixed deposits CIMB Thai: Key Ratios 38
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Forward30: Progressing well with disciplined execution Advancing Customers and SocietyPurpose Capital and resources: Reallocate to grow 1 Cash: Build deposit franchise to reduce cost of funds 2 Cross-sell: Increase returns 3 Capabilities: Simpler, Better, Faster 4 Priorities People & Culture Customers Society & Sustainability Strategic moves – the 4Cs 39
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Sustainability Highlights 2Q26 Scan here for our 2025 Sustainability Report Our Performance Reflected in Global Rankings Sustainable Finance Financial System Benchmark 2025 percentile 89th Up from AA previously ESG Risk Rating: 14.60 Down from 20.0 previously (Lower score indicates lower risk) #1 globally among 400 Financial Institutions #2 in inclusive finance • Launched a GHG Advisory Service under the GreenBizReady proposition • Joint principal adviser, joint lead arranger, joint lead manager and joint sustainability structuring adviser for Dagang NeXchange Bhd’s (DNeX) RM3 bil sukuk wakalah programme. Under the programme, DNeX has the flexibility to issue sustainability sukuk or sustainability-linked sukuk Recognition and Industry Collaborations • The Star ESG Positive Impact Awards Silver Winner – Governance, Reporting and Transparency (Large Companies Tier) • Joint principal adviser, joint lead arranger, joint lead manager and joint sustainability structuring adviser for IJM Corporation Bhd’s wholly-owned subsidiary New Pantai Expressway Sdn Bhd’s RM54 mil sustainability-linked sukuk (SLS) to finance the New Pantai Highway Extension (NPE2), marking the world’s first SLS for a highway project • The Edge Malaysia’s Best Managed & Sustainable Property Awards 2026 Gold Winner in the 10 Years and Above — Non-strata Office category Editor’s Choice Award for Excellence in Corporate Office Transformation and Management Up from 88th percentile previously Engaging clients through our sustainable finance offerings to drive value creation and build resilience • Led the BNM JC3 NSRF Financial Institutions Taskforce and released a Guidance Document for the Banking and Insurance Sectors • Joint principal adviser, joint lead arranger and joint lead manager for Tenaga Nasional Bhd’s RM4 billion sustainability sukuk wakalah issuance to finance or refinance eligible transition projects • Euromoney Islamic Finance Awards 2026 World’s Best Islamic Bank - first Malaysian bank to receive the global accolade since the award was introduced 40
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1H26 1H25 Market Share Rank Market Share Rank DCM 4.9% 9 6.2% 7 DCM* 7.9% 7 8.9% 6 M&A - - - - Syndication - - 5.0% 3 Syndication*^ - - - - IPO - - - - ECM - - - - 1H26 1H25 Market Share Rank Market Share Rank DCM 8.8% 4 2.3% 7 DCM* 8.0% 4 1.5% 9 M&A - - - - Syndication - - 2.5% 9 Syndication*^ - - 2.4% 12 IPO - - - - ECM - - 0.2% 11 1H26 1H25 Market Share Rank Market Share Rank DCM 3.8% 9 4.4% 10 DCM* 3.8% 10 4.2% 8 M&A 0.8% 9 89.6% 1 Syndication - - 2.0% 4 Syndication*^ 1.7% 12 3.3% 15 IPO - - 14.5% 3 ECM - - 14.5% 3 1H26 1H25 Market Share Rank Market Share Rank DCM Domestic Sukuk 27.1% 26.2% 2 2 27.1% 30.1% 1 1 DCM Domestic* Sukuk* 23.1% 24.4% 2 2 23.6% 24.1% 2 2 M&A 4.0% 8 - - Syndication 12.6% 1 - - Syndication*^ 8.6% 6 - - IPO 10.8% 2 - - ECM 16.9% 1 3.2% 8 IB Market Share and Ranking (1) 41
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Asia (ex-Japan) 1H26 1H25 Market Share Rank Market Share Rank DCM 0.5% 51 0.4% 61 DCM* 0.5% 49 0.4% 58 M&A 0.1% 60 1.6% 22 Syndication 0.4% 44 0.7% 25 Syndication*^ 0.3% 66 0.7% 37 IPO 0.9% 35 0.6% 51 ECM 0.4% 42 0.1% 74 ASEAN 1H26 1H25 Market Share Rank Market Share Rank DCM 11.5% 1 12.1% 1 DCM* 11.8% 2 10.8% 1 M&A 0.6% 24 13.0% 5 Syndication 0.9% 21 2.1% 10 Syndication*^ 0.9% 28 2.0% 15 IPO 6.7% 4 4.5% 8 ECM 5.6% 6 3.3% 12 Global 1H26 1H25 Market Share Rank Market Share Rank Sukuk 7.7% 2 4.4% 8 Sukuk* 7.4% 3 3.9% 7 IB Market Share and Ranking (2) MIST 1H26 1H25 Market Share Rank Market Share Rank DCM 13.3% 1 13.5% 1 Syndication 1.0% 18 2.4% 10 Sources: Dealogic, * Bloomberg ^Mandated lead arranger 42