Business Activities and License

BUSINESS ACTIVITIES PURSUANT TO ARTICLES OF ASSOCIATION

According to the most recent CIMB Niaga Articles of Association, CIMB Niaga was established with the goal and objective of carrying out business activities in the Commercial Banking sector, as stated in Deed No. 54 dated 25 October 2024, made in the prrsence of Ashoya Ratam, S.H.,M.Kn., Notary in the Administrative City of South Jakarta.In order to achieve these goals and objectives, CIMB Niaga may engage in the following main and supporting business activities:

MAIN BUSINESS ACTIVITIES

  1. Collect funds from the public in the form of deposits, namely current accounts, time deposits, certificates of deposits, saving accounts, and/or other equivalent forms, both in Rupiah and foreign currencies;
  2. Provide loans, either long-term, medium-term, or short-term, or loans in other forms that are commonly provided in the banking sector, both in Rupiah and foreign currencies;
  3. Issue acknowledgment of indebtedness (debt instruments);
  4. Purchase, sell, or collateralize at its own risk or for the interest and as per instruction of its customers:
    1. Commercial bill of exchange including those, accepted by banks with validity periods no longer than the customary commercial instruments;
    2. Acknowledgment of indebtedness and other commercial papers with validity periods no longer than the customary commercial instruments;
    3. State treasury notes and government guarantee instruments;
    4. Bank Indonesia Certificates (SBI);
    5. Bonds;
    6. Promissory notes valid up to 1 (one) year pursuant to prevailing laws and regulations;
    7. Other commercial instruments valid up to 1 (one) year, pursuant to prevailing laws and regulations.
  5. Transfer funds in the interests of both the bank and its customers;
  6. Place funds in, borrow from, or lend to other banks using notes, telecommunication devices, sight drafts, checks, or any other means;
  7. Accept payments from commercial paper and perform calculations with or among third parties;
  8. Provide safe deposit boxes to store valuable goods and commercial papers;
  9. Perform custodian activities for the interest of other parties based on an agreement;
  10. Place funds from a customer to another customer in the form of commercial papers not listed on stock exchanges;
  11. Perform factoring activities, credit card business, and trusteeship activities;
  12. Perform activities in foreign exchange in compliance with the provisions stipulated by Bank Indonesia and Financial Services Authority (OJK);
  13. Perform sharia-compliant banking activities in compliance with the provisions stipulated by Bank Indonesia and Financial Services Authority (OJK);
  14. Perform marketing agency activities for nonbanking products such as insurance, mutual funds, government bonds, or others pursuant to regulations.

SUPPLEMENTARY BUSINESS ACTIVITIES

  1. Purchase through auctions or by other means, collateral either wholly or partially in terms of the debtors default on their obligations to the Bank, under the condition that the purchased collateral is required to be immediately disbursed;
  2. Perform capital investment in a bank or other financial institution, such as leasing, venture capital, consumer financing, securities or insurance companies or in a clearing and guarantee institution, and settlement and custodian institutions in accordance with Bank Indonesia and OJK regulations;
  3. Perform temporary capital investments to manage the consequences of default, or sharia-based financing default, under the condition that the investment shall be withdrawn in compliance with Bank Indonesia and/ or OJK regulations;
  4. Act as pension fund founder and pension fund manager pursuant to the laws and regulations concerning pension funds;
  5. Perform other supporting activities to sustain the Bank’s main business activities as commonly performed by a bank as long as they do not contravene any laws and regulations.

BUSINESS ACTIVITIES CONDUCTED IN THE 2025 FINANCIAL YEAR

As of 31 December 2025, CIMB Niaga has carried out all of its business activities in accordance with the guidelines stipulated in the Bank’s most recent Articles of Association.

CIMB NIAGA PRODUCTS AND SERVICES

SAVINGS PRODUCTS


 CIMB Junior

 Indie Account

 OCTO Savers

 Xtra Savers

 Xtra Savers Manfaat

 Tabungan Investor

 TabunganKu

 Tabungan SimPel (Student Savings)

 Xtra Pandai

 GOAL Savers

 Deposito Berjangka

 Giro

 Giro Bebas Biaya

 Giro Usaha

 Giro Kartini

 Giro Vostro

 Giro BPR

 Giro Perisai BPJSTK

 Giro Devisa Hasil Ekspor Sumber Daya Alam

 Giro Pemerintah

 Giro Agency

 Giro Custody

 Giro Investor

SHARIA SAVINGS PRODUCTS


 Tabungan iB Pahala Wadiah/Mudharabah (IDR/USD)

 Tabungan iB Payroll Mudharabah

 Tabungan Investor iB

 Xtra Savers iB

 Xtra Savers iB Valas

 Deposito iB IDR/USD

 Goal Savers iB IDR/USD

 Octo Savers iB

 Octo Savers Jr iB

 TabunganKu iB

 SImpanan Pelajar (Simpel) iB

 Giro iB Wadiah

 Giro iB Wadiah Investor

 Giro iB Wadiah Agency

 Giro iB Wadiah Custody

 Giro iB Wadiah Perisai BPJSTK

 Giro iB Wadiah Devisa Hasil Ekspor Sumber Daya Alam

 Giro iB Wadiah Bank (Vostro)

 Giro iB Mudharabah

 Giro iB Mudharabah Usaha

 Giro iB Mudharabah Kartini

 Giro iB Mudharabah BPR

 Giro iB Mudharabah Investor

 Giro iB Pemerintah

 Contact Center CIMB Niaga: 14041/+6221- 29978888 (from overseas)

 Contact Center Preferred Assistant 1500800

 Contact Center BizChannel@CIMB: 14042

 Preferred Assistant

 Debit Card

 Automatic Teller Machine (ATM)

 Cash Recycling Machine (CRM)

 Multi-Denom Machine (MDM)

 Electronic Data Capture (EDC)

 OCTO Merchant

 Payment Gateway (PG)

 QRIS (Static and Dynamic)

 OCTO Clicks

 OCTO Mobile

 OCTO Biz

 BizChannel@CIMB

 BizChannel@CIMB Mobile

 Account Balance Consolidation

  API (Application Programming Interface) – SNAP (Standar Nasional Open API Pembayaran) consisting of:

  • External Account Inquiry
  • API Trigger Interbank (BI Fast/GPN)
  • API SKNBI
  • API RTGS
  • API Transaction Status Inquiry
  • API Balance Inquiry
  • API Transaction History List
  • API QRIS MPM Acquiring- Query Payment
  • API QRIS MPM Acquiring-Refund Payment
  • API QRIS MPM Acquiring-Payment Notify
  • API QRIS CPM Acquiring
  • API VA Inquiry
  • API VA Payment
  • API VA Payment Status
  • API Inquiry VA Payment to VA from Intrabank
  • API Inquiry VA Payment to VA from Interbank
  • API Account Binding
  • API Direct Debit Payment
  • API OctoPay Creation
  • API OctoPay Inquiry
  • API OctoPay Binding
  • API OctoPay Binding Inquiry
  • API OctoPay Unbiding
  • API OctoPay Verified OTP
  • API OctoPay Balance Inquiry
  • API OctoPay Transaction History List
  • API OctoPay Notify
  • API OctoPay OTP
  • API Mastercard Send Payment
  • API offline Credit Card Payment
  • API QRIS Cash Out
  • API ATM/Branch Locator
  • API Calculator

  API offline Credit Card Payment

  • API QRIS Cash Out
  • API ATM/Branch Locator
  • API Calculator

 API Digital Account Opening Octosavers (NTB Savings)

 API Digital Form Rekening Dana Nasabah (RDN)

 API Digital Form Rekening Dana Lender (RDL)

 API Account Opening Status

 API Account Opening Supporting Document

 API Forex(Today)- Market Rate Inquiry

 API Forex (Today)- Fund Transfer Settlement

 API Forex for Streaming

 API Time Deposit Inquiry List

 API Time Deposit Inquiry Detail

  API Utility Payment

  • API Bill Payment Smartfren
  • API Bill Payment Telkom
  • API Bill Payment PDAM
  • API Bill Payment PBB
  • API Bill Payment BPJS Kesehatan
  • API Bill Payment PLN PrePaid
  • API Bill Payment Postpaid

 API Corporate Credit Card VCN Inquiry

 API Corporate Credit Card VCN inquiry Transaction History Detail

 API eSupply Chain Financing [LGW1]- Invoice Submission

 API eSupply Chain Financing [LGW2]- Invoice Detail Inquiry

 API eSupply Chain Financing [LGW3]- Cancellation

 API eSupply Chain Financing [LGW4]- Account Inquiry Detail

 API CoBrand Integration Personal Loan

 Bulk Payment

 e-Chain

 e-Factoring

 e-Notification

 e-Statement & e-Combine Statement

 e-Tax Payment

 OCTO Pay (e-Money)

 Video Banking

 Digital Lounge

 Domestic and International Transfers

 Cardless Cash Withdrawals and Deposits

 Bills Payment & Top Up (Phone Credit, Internet/Data, PLN, and e-Wallet)

 Corporate Credit Card Virtual Card Number (VCN)

 Virtual Card Number (VCN)

 Account Opening (Rupiah and foreign exchange), Credit Cards, Mutual Funds, Bonds, Insurance and Time Deposits Online

 Bulk Transactions & Scheduled Transactions

 Financial Check-Up: See Total Fund Placement, and Outgoing/Incoming Money Flows

 Pay with OCTO Mobile with Scan QRIS

 Foreign Exchange Transactions to Own Accounts at Competitive Rates

 Travel Concierge: Buy Airline Tickets Through the Mobile Banking Application

 Buy Games Vouchers

 Checks and Points Xtra Transactions (Loyalty Points)

 Cash Plus facility via OCTO Mobile/Clicks

 Installment facility via OCTO Mobile/Clicks

 Credit Protector registration facility via OCTO Mobile

 OCTO Cash

 OCTO Card (Digital Credit Card)

 Waqf

 Visa Direct Credit Card Bill Payment

INDIVIDUAL LOANS


 Mortgages

 Auto Loan Joint Financing

 Consumer loan products with cash and securities as collateral (Personal Credit Line)

 Xtra Dana (Personal Loan)

 Credit Card

 Xtra Kasbon

 OCTO Loan

INDIVIDUAL SHARIA FINANCING


 Mudharabah Muqayyadah

 Mortgage iB

 Indirect Auto Financing iB

 Xtra Dana iB (Personal Financing iB)

 Sharia Credit Card

BUSINESS, TREASURY, AND CORPORATE BANKING


 Working Capital Loan

 Investment Loan

 Syndicated Loan

 Partnership (Linkage Program)

 Trustee & Agency Services

 Custodian Services

 Payment Bank

 Investor’s Fund Account Administrator Bank

 Intraday

 Value Chain - Buyer Community Financing

 Value Chain - Supplier Community Finance

 Factoring

 Bank Guarantee

 Custom Bond

 Demand Guarantee

 Counter Guarantee

 Shipping Guarantee

 Standby Letter of Credit

  Letter of Credit (LC)/Domestic Letter of Credit (SKBDN)

  • Sight
  • Usance
  • Usance Payable At Sight (UPAS)
  • Usance Payable At Usance (UPAU)

 Inward/Outward Documentary Collection-D/P and D/A

 Trust receipt

 Letter of Credit/SKBDN Advising

 Letter of Credit/SKBDN Transfer

 SKBDN Negotiation/Discounting with Facilities

 SKBDN Negotiation/Discounting without Facilities

 Pre-Shipment Financing

 Account Receivable Trade Loan

 Account Payable Trade Loan

 Confirmation LC/SKBDN

 Avalisasion

 Forfaiting

 Risk Participation

 Bank Notes

 FX Today/Tom/Spot

 FX Forward

 FX Swap

 Par Forward

 Domestic Non Deliverable Forward

 Local Currency Settlement

 FX Option

 Call Spread Option

 Interest Rate Swap

 Cross Currency Swap

 Interest Rate Option

 Jual Beli Obligasi Pemerintah dan Korporasi

 Retail Bond

 Bond Investment

 Repo/Reverse Repo

 Bond Forward Casa

 Bond Link Investment

 Bond Link Deposit

 Market Linked Deposit

 SWAP Depo

 Strike Currency

 Call Money

 Negotiable Certificate of Deposit

 Forward Goal Saver

 Bank Indonesia Rupiah Securities (SRBI)

 Bank Indonesia Foreign Exchange Securities (SVBI)

 Bank Indonesia Foreign Currency Sukuk (SUVBI)

 Sustainability Linked Loan/Financing

 Sustainable Financing

 Corporate Credit Card

SHARIA BUSINESS, TREASURY, AND CORPORATE BANKING


 Working Capital Financing iB and USD Working Capital iB

 Investment Financing iB and USD Investment iB

 Current Account Financing (PRK) iB

 FX Today/Tom/Spot

 Sharia Hedging

 Bank Notes

 Buying and Selling Sukuk

 Issuance of Sukuk Mudharabah

 Bank Guarantee iB

 Custom Bond iB

 Demand Guarantee iB

 Counter Guarantee iB

 Shipping Guarantee iB

 Standby Letter of Credit iB

  Letter of Credit (LC) Ib / iB Domestic Documented Letter of Credit (SKBDN).

  • Sight
  • Usance
  • Usance Payable At Sight (UPAS)
  • Usance Payable At Usance (UPAU)

 Trust Receipt iB

 Letter of Credit/SKBDN iB Forwarding

 Letter of Credit/SKBDN iB Transfer

 SKBDN iB Negotiation/Discounting with Facilities

 SKBDN iB Negotiation/Discounting without Facilities

 Inward/Outward Documentary Collections - D/P iB and D/A iB

 Account Receivable Trade Financing iB

 Account Payable Trade Financing iB

 Pre-Shipment Financing iB - Salam

 Supply Chain Financing iB

OTHER SERVICES


 Bank Draft

 Domestic and International Transfers

 Safe Deposit Box

 Preferred Collection Services

 Cash Mobile

 Cash Pick Up & Delivery

 Corporate Credit Card

 Virtual Account

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