Slide 1: Analyst Presentation 2Q26
Analyst Presentation 2Q26 CIMB Group Holdings 28 August 2026
Slide 2: GCEO Observations
\ GCEO Observations
Slide 3: Resilient 2Q26 performance with RM1.94 bil net profit and 11.2% ROE
Resilient 2Q26 performance with RM1.94 bil net profit and 11.2% ROE 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 st
Slide 4: Accelerating Forward30: Creating a differentiated franchise
Accelerating Forward30: Creating a differentiated franchise Capture opportunities from Unique digital proposition at Future of banking: Tokenisation of recent structural shifts in ASEAN scale sukuk & deposits 1 AI & data centres 1 Sole principal advisor, 2 Wealth sole lead arranger and sole facility
Slide 5: GCFSO Observations
\ GCFSO Observations
Slide 6: 2Q26 Key Highlights
2Q26 Key Highlights Group NIM NOII/Total Income Cost-to-Income Profit Before Tax (RM) 2.04% 32.9% 45.2% 2,607 mil -4bps QoQ +100bps QoQ -200bps QoQ +2.2% QoQ ROE Total Assets Loan Loss Charge CET1 (RM) 11.2% 795.0 bil 38bps 14.0% +20bps QoQ +2.2% QoQ* +7bps QoQ -30bps QoQ Note: * On constant currenc
Slide 7: 1H26 Key Highlights
1H26 Key Highlights Group NIM NOII/Total Income Cost-to-Income Profit Before Tax (RM) 2.06% 32.4% 46.2% 5,158 mil -10bps YoY +130bps YoY Flat YoY -2.2% YoY ROE Total Assets Loan Loss Charge CET1 (RM) 11.0% 795.0 bil 34bps 14.0% -10bps YoY +6.3% YoY* +5bps YoY -70bps YoY Note: * On constant currency
Slide 8: Key Business Highlights
Key Business Highlights Sequentially robust NOII and Resilient underlying Cost containment driving asset growth mitigated performance operational efficiency NIM weakness Total Income Growth Total Assets YoY Growth* Operating Expenses (RM ’mil) (RM ’bil) (RM ’mil) +2.8% QoQ +1.8% QoQ 4.0% 4.2% 3.5% 3
Slide 9: PBT by Segment
PBT by Segment Consumer Commercial 24% 20% Banking Banking PBT QoQ YoY PBT QoQ YoY RM1,255 mil ▲ 7.4% ▼ 16.0% RM1,037 mil ▼ 28.3% ▲ 12.6% Strong QoQ performance driven by wealth income Strong 2Q26 FX income offset by absence of and cost management. However, PBT was lower writebacks. Healthy 1H26 Com
Slide 10: PBT by Country
PBT by Country Malaysia 59% Indonesia 20% PBT QoQ YoY PBT QoQ YoY RM3,054 mil ▲ 1.1% ▼ 4.2% RM1,034 mil ▼ 9.9% ▼ 16.6% Strong revenue underpinned by good asset growth. Good Trading & FX and Wealth performance was Bottom line growth impacted by higher pre-emptive offset by cautious asset growth and N
Slide 11: Net Interest Income
Net Interest Income NII improved on constant currency basis supported by healthy asset growth despite weaker NIM Net Interest Income (RM ‘mil) -2.6% YoY -3.1% YoY +1.7% YoY ~ +1.3% QoQ +2.4% QoQ ~ 7,652 7,415 3,833 3,819 3,875 3,683 3,732 2.15% 2.16% 2.08% 2.10% 2.08% Net Interest Margin* 2.04% 2.06
Slide 12: Non-Interest Income
Non-Interest Income NOII increased QoQ from higher fees and other income; Higher YoY attributed to higher wealth, treasury client sales and stronger other income +3.4% YoY +3.1% YoY +8.2% YoY* 2,128 +6.0% QoQ 3,449 3,557 (RM ‘mil) +7.2% QoQ* 1,830 1,769 557 1,727 1,029 Fees & 1,544 1,114 Commission
Slide 13: Operating Expenses
Operating Expenses Disciplined cost management drove opex lower; CIR improved 200bps QoQ and was flat YoY despite lower revenue 49.9% CIR 46.9% 47.2% 46.2% 46.2% 45.5% 45.2% -1.2% YoY -1.4% YoY -1.6% QoQ 5,131 5,070 (RM ‘mil) 2,791 2,705 2,551 2,555 2,515 3,118 3,117 1,792 1,434 Personnel 1,529 1,57
Slide 14: Asset Quality
Asset Quality Asset quality remains broadly stable with continued GIL improvement 40 38 Loan Loss Charge* 32 31 29 34 (bps) 23 468 Total Provisions 330 824 (RM ‘mil) 404 208 356 650 715 567 1,157 Retail 391 399 735 508 Non-Retail 323 283 438 249 114 513 553 Recoveries and (236) (266) (533) (560) (47
Slide 15: Total Assets and Debt Securities
Total Assets and Debt Securities Total Assets Debt Securities (RM ’bil) Jun-26 Mar-26 QoQ Jun-25 YoY (RM ’bil) Jun-26 Mar-26 QoQ Jun-25 YoY Loans (net) 450.6 447.3 0.7% 439.5 2.5% Malaysia 152.5 146.7 4.0% 142.5 7.0% Indonesia 20.9 22.5 (7.1%) 22.1 (5.3%) Debt Securities 227.7 220.9 3.1% 218.3 4.3%
Slide 16: Gross Loans
Gross Loans Others (RM ’bil) 30 Jun-26 QoQ YoY Singapore 6% 10% Consumer Banking 242.9 0.7% 1.7% Thailand Commercial Banking 76.2 0.8% (0.1%) # 7% 30 Jun-26 Wholesale Banking 136.4 0.4% 4.0% RM458.1 bil Malaysia CIMB Digital Assets and Others 2.6 8.3% (10.3%) Indonesia 63% 14% Total 458.1 0.7% 2.0%
Slide 17: Deposits
Deposits Others Singapore 1% (RM ’bil) 30 Jun-26 QoQ YoY 13% Consumer Banking 223.9 1.1% (0.6%) Thailand 6% Commercial Banking 97.1 1.3% 3.6% 30 Jun-26 Wholesale Banking 214.4 4.1% 15.5% Indonesia RM536.5 bil 12% CIMB Digital Assets and Others 1.1 (45.0%) (81.0%) Malaysia 68% Total 536.5 2.1% 5.1% T
Slide 18: Dividend Payout
Dividend Payout Total dividend Dividend per Dividend Dividend per share Period payout share Yield # (sen) (RM ’bil) (sen) (%) ^ 1st Interim 2nd Interim FY22 2.7 26.00 4.5 Special Dividend 47.00 47.10 FY23 4.6 43.00 7.4 43.00 7.00 7.00 7.00 26.00 FY24 5.0 47.00 5.7 18.50 20.00 20.35 13.00 17.50 20.00
Slide 19: Capital and Liquidity Management
Capital and Liquidity Management Capital Adequacy Liquidity Coverage Ratios (%) Jun-26 Mar-26 Jun-25 18.3% 18.0% CIMB Bank* 149 146 146 17.5% CIMB Islamic* 162 153 127 Tier 2 3.0% 3.1% 2.9% CIMB Niaga 187 207 206 Tier 1 0.6% 0.6% 0.6% CIMB Thai 166 156 179 CET1 14.7% 14.3% 14.0% Jun-25 ^ Mar-26 # Ju
Slide 20: Consumer Banking
Consumer Banking Positive underlying performance with PPOP growth QoQ and YoY on the back of disciplined cost management and strong wealth income NOII/Total Income (%) (RM ’mil) 2Q26 QoQ 1H26 YoY 30.5 30.4 Operating income 2,240 1.7% 4,443 (1.2%) 27.1 28.1 26.7 Overhead expenses (1,164) (6.6%) (2,41
Slide 21: Commercial Banking
Commercial Banking Resilient underlying performance YoY on strong NOII and client franchise growth, partially offset by normalised credit cost QoQ NOII/Total Income (%) (RM ’mil) 2Q26 QoQ 1H26 YoY Operating income 1,037 2.6% 2,048 (0.2%) 23.0 21.6 19.3 20.1 19.9 Overhead expenses (492) (4.8%) (1,009
Slide 22: Wholesale Banking
Wholesale Banking Robust earnings underpinned by healthy asset growth and strong asset quality; strong Treasury & Markets performance offset softer Corporate Banking income NOII/Total Income (%) (RM ’mil) 2Q26 QoQ 1H26 YoY Operating income 1,582 4.6% 3,094 (0.2%) 50.8 58.3 54.1 51.5 45.6 Overhead ex
Slide 23: CIMB Digital Assets & Group Funding
CIMB Digital Assets & Group Funding Increased transformation related expenses in Group Funding partially offsets the growing profit contribution from TNGD TNGD (RM ’mil) 2Q26 QoQ 1H26 YoY Total Payment Value (RM ‘bil) +68.8% YoY Operating income 703 2.8% 1,387 (4.4%) +8.6% QoQ Overhead expenses (273
Slide 24: CIMB Islamic
CIMB Islamic Earnings impacted by higher provisioning; Islamic financing and deposit growth momentum remains healthy NOII/Total Income (%) (RM ’mil) 2Q26 QoQ 1H26 YoY Operating income 1,152 3.6% 2,264 0.2% 19.7 24.1 18.2 14.9 14.7 Overhead expenses (405) (0.7%) (813) 5.9% PPOP 747 6.1% 1,451 (2.7%)
Slide 25: 2026 guidance maintained, with Forward30 execution firmly on track
2026 guidance maintained, with Forward30 execution firmly on track Focused execution of the Forward30 4Cs - Capital, Cash, Cross-sell and Capabilities - to drive Indicator FY26 guidance long-term sustainable growth and shareholder returns ROE 11.0 – 11.5% Disciplined capital allocation, divested Tha
Slide 26: b) CIMB
b) CIMB a, sae
Slide 27: Appendices
\ Appendices
Slide 28: Earnings Summary
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)
Slide 29: Key Ratios
Key Ratios (%) 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
Slide 30: NOII breakdown
NOII breakdown (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
Slide 31: Operating Expenses
Operating Expenses (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,
Slide 32: PBT by Segments
PBT by Segments 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 & Ma
Slide 33: PBT by Segment and Country
PBT by Segment and Country 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.
Slide 34: Consumer Banking Key Highlights
Consumer Banking Key Highlights Malaysia QoQ YoY Indonesia ^ QoQ YoY Consumer Gross Loans 1.0% 4.3% Consumer Gross Loans 0.0% 0.3% Mortgages 1.1% 4.3% Mortgages 1.0% 1.0% Wealth (0.5%) (2.6%) Auto 0.2% 4.8% Auto 1.5% 7.9% Credit cards 1.7% 3.0% Credit cards 1.1% 4.2% Consumer Deposits (0.6%) 2.3% Co
Slide 35: CIMB Niaga: Earnings Summary
CIMB Niaga: Earnings Summary (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
Slide 36: CIMB Niaga: Key Ratios
CIMB Niaga: Key Ratios (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
Slide 37: CIMB Thai: Earnings Summary
CIMB Thai: Earnings Summary Before GAAP Adjustments 2Q26 1Q26 QoQ 1H26 1H25 YoY (THB 'mil) 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) (
Slide 38: CIMB Thai: Key Ratios
CIMB Thai: Key Ratios (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
Slide 39: Forward30: Progressing well with disciplined execution
Forward30: Progressing well with disciplined execution Purpose Advancing Customers and Society Society & Priorities People & Culture Customers Sustainability 1 Capital and resources: Reallocate to grow Strategic 2 3 moves – Cash: Build deposit franchise Cross-sell: Increase returns the 4Cs to reduce
Slide 40: Sustainability Highlights 2Q26
Scan here for our 2025 Sustainability Highlights 2Q26 Sustainability Report Engaging clients through our sustainable finance offerings to drive value creation and build resilience Our Performance Reflected in Global Rankings #1 globally among 89th 400 Financial percentile Institutions ESG Risk Ratin
Slide 41: IB Market Share and Ranking (1)
IB Market Share and Ranking (1) 1H26 1H25 1H26 1H25 Market Market Market Market Rank Rank Rank Rank Share Share Share Share DCM Domestic 27.1% 2 27.1% 1 DCM 3.8% 9 4.4% 10 Sukuk 26.2% 2 30.1% 1 DCM* 3.8% 10 4.2% 8 DCM Domestic* 23.1% 2 23.6% 2 M&A 0.8% 9 89.6% 1 Sukuk* 24.4% 2 24.1% 2 Syndication -
Slide 42: IB Market Share and Ranking (2)
IB Market Share and Ranking (2) 1H26 1H25 1H26 1H25 Asia ASEAN Market Market Market Market Rank Rank (ex-Japan) Rank Rank Share Share Share Share DCM 11.5% 1 12.1% 1 DCM 0.5% 51 0.4% 61 DCM* 11.8% 2 10.8% 1 DCM* 0.5% 49 0.4% 58 M&A 0.6% 24 13.0% 5 M&A 0.1% 60 1.6% 22 Syndication 0.9% 21 2.1% 10 Synd
Slide 43: b) CIMB
b) CIMB a, sae