Cimb Group Holdings Bhd · MYX:CIMB
Cimb Group Holdings Bhd — Investor Presentation (May 2026)
22 slides from Cimb Group Holdings Bhd's investor presentation, May 5, 2026
Slide 1: Analyst Presentation: CIMB Thai Transformation
Analyst Presentation CIMB Thai Transformation CIMB Group Holdings 5 May 2026 MOVING FORWARD WITH YOU
Slide 2: Opening Remarks
Opening Remarks Novan Amirudin Group Chief Executive Officer CIMB Group Holdings 2
Slide 3: Forward30: Capital discipline is reshaping where we compete
Forward30: Capital discipline is reshaping where we compete Purpose Advancing Customers and Society Society & Priorities People & Culture Customers Sustainability 1 Capital and resources: Reallocate to grow Strategic moves – 2 3 the 4Cs Cash: Build deposit franchise Cross-sell: Increase returns to r
Slide 4: Capital vs Returns: Where we stand in FY25
Capital vs Returns: Where we stand in FY25 % of RWA % of PBT ROE % FY25 FY24 +/- FY25 FY24 +/- FY25 FY24 +/- 56 54 61 57 12.1 11.0 17 19 22 25 13.8 14.6 12 12 14 13 18.0 19.9 10 12 3 4 4.5 5.9 2 2 1 1 8.4 8.4 Group 11.3 11.2 4
Slide 5: CIMB Thai: A sharper focus is needed to reach top-quartile ROE
CIMB Thai: A sharper focus is needed to reach top-quartile ROE FY25 ROE of Top 10 banks1 in Thailand (%) 15.40 10.67 9.30 9.70 8.60 8.62 7.87 8.07 6.59 4.50 Bank A Bank B Bank C Bank D Bank E Bank F Bank G Bank H Bank I Note: 1) By asset size 5
Slide 6: CIMB Thai: Transformation is underway to deliver Forward30 targets
CIMB Thai: Transformation is underway to deliver Forward30 targets 4 Key initiatives Timeline 1 New president and chief executive officer, Wut Thanittiraporn April 2025 2 Pivot into businesses with higher returns and better Ongoing risk profile, e.g., Wealth and Wholesale 3 Exit of non-core and sub-
Slide 7: CIMB Thai Transformation
CIMB Thai Transformation Wut Thanittiraporn President & Chief Executive Officer CIMB Thai Bank PCL 7
Slide 8: FY25 performance: Moderation from FY24 with softer revenue
FY25 performance: Moderation from FY24 with softer revenue, steady efficiency levels and continued improvement in credit quality GP8 Actual Variance / CAGR Key Metrics FY23 FY24 FY25 FY25 vs FY23 6.0% 4.5% +1.1% ROE 3.4% Variance Revenue 13.0 13.7 12.6 -1.6% (THB ‘bil) CAGR Cost 7.5 7.4 7.3 -1.5% (T
Slide 9: Core bank ROE 5.7%, consolidated 4.5% due to Auto Finance drag
Whilst core bank ROE was 5.7%, consolidated ROE came in lower at 4.5% in FY25 due to Auto Finance portfolio drag GP8 CIMB Thai (Consolidated) = Bank Only + Auto Finance 5.1 1.3 3.9 1.1 PBT – THB bil 3.6 3.2 0.7 2.9 3.4 2.4 2.0 2.5 2.2 1.0 1.3 1.1 1.1 (0.2) (0.5) (0.8) Y19 Y20 Y21 Y22 Y23 Y24 Y25 Y19
Slide 10: Portfolio Reshaping Update: Exit of Non-Core, Sub-Scale Auto Finance Business
Portfolio Reshaping Update: Exit of Non-Core, Sub-Scale Auto Finance Business GP8 Overview Financial Overview Remark On 5 May 2026, CIMB Thai announced Total Loan (THB ‘bil) Auto Bank • Auto Finance has been loss-making over the divestment of its Auto Finance 252 259 the past 3 years, weighing on CI
Slide 11: Forward30 strategic plan: niche bank with ASEAN strengths
Forward30 strategic plan: CIMB Thai is committed to becoming a niche bank with ASEAN strengths Purpose Advancing Customers and Society Society & Priorities People & Culture Customers Sustainability 1 Capital and resources: Reallocate and optimise capital base Incl. Exit Auto Finance Business Strateg
Slide 12: Capital and Resources: Strategic portfolio optimisation and capital management
Capital and Resources: Strategic portfolio optimisation and capital management to strengthen ROE uplift Capital and resources Cash Cross-sell Capabilities Portfolio Optimisation Capital Management Reallocate capital towards quality, capital-efficient Align with market trends on capital efficiency an
Slide 13: Cash: Payment solutions to strengthen customer stickiness and accelerate CASA growth
Cash: Payment solutions to strengthen customer stickiness and accelerate CASA growth Capital and resources Cash Cross-sell Capabilities Payment Solutions CASA Ratio Accelerate payment solution growth by transforming Reinforce funding stability by strengthening deposit base, conventional cash managem
Slide 14: Cross-Sell: Accelerate wealth and affluent expansion and leverage ASEAN wholesale
Cross-Sell: Accelerate wealth and affluent expansion and leverage ASEAN wholesale connectivity Capital and resources Cash Cross-sell Capabilities Wealth & Affluent Expansion ASEAN Wholesale Connectivity Market leadership in wealth driven by product innovation Leverage the group’s network to support
Slide 15: Capabilities: Strengthening workforce, channels, and technology
Capabilities: Strengthening workforce, channels, and technology to deliver sustainable growth Capital and resources Cash Cross-sell Capabilities Workforce Transformation Channel Optimisation Technology Optimisation Align workforce structure with business Shift towards digital with desirability Lever
Slide 16: Forward30 4Cs strategic levers will drive our ROE uplift
Forward30 4Cs strategic levers will drive our ROE uplift Capital and Cash and Cross- Capabilities Resources Sell Workforce Portfolio Optimisation Cash Strategy Transformation Levers Exit of non-core business Wealth & Affluent Channel Optimisation Capital Optimisation ASEAN Wholesale Technology Optim
Slide 17: 1Q26 performance shows a positive inflection
1Q26 performance shows a positive inflection GP8 Actual Variance / YoY Exiting non-core business Key Metrics FY23 FY24 FY25 1Q26 FY26 vs FY23 / YoY ✓Exiting the auto finance business allows us to 6.0% 7.1% * +3.7% ROE 3.4% 4.5% reallocate capital to more Variance profitable businesses and strengthen
Slide 18: CIMB Thai is firmly on track to achieve our mid-term Forward30 target
CIMB Thai is firmly on track to achieve our mid-term Forward30 target FY24 FY25 FY27 FY30 NPS Top 5 n/a Maintain Top Quartile CASA 67% 75% Maintain > 75% NOII 25% 31% 35 – 40% CIR 54% 58% Mid 40s Low 40s Credit Cost (bps) 102 89 40-45 35-40 CET1 17% 17% ≥14% ≥ 14% ROE 6% 4.5% 10 – 12% Top quartile 1
Slide 19: Financial Impact to Group
Financial Impact to Group Khairul Rifaie Group Chief Financial & Strategy Officer CIMB Group Holdings 19
Slide 20: CIMB Thai transformation will be ROE-accretive to the Group
CIMB Thai transformation will be ROE-accretive to the Group CIMB Group’s ROE (%) ROE expansion 12 – 13% 10 – 20 bps 10 – 20 bps 11.0 – 11.5 11.3 FY25 FY26 FY27 Impact Includes loss Includes CIMB Absence of Improvement in Other Group to from CIMB Thai Thai's one-off restructuring CIMB Thai’s ROE; str
Slide 21: Other impact to Group
Other impact to Group CIMB Group’s Opex (RM ‘bil) Absence of CIMB Thai’s one-off BAU Stable or costs and auto Cost growth and lower vs business discipline investment 2025 10.6 RM200 – 250 mil FY25 FY26 FY27 CIMB Group’s CET1 (%) Simulated impact if up to THB11 bil capital release1 14.6 (subject to r
Slide 22: Thank you
Thank you
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