Predicated on the philosophy of ‘Banking for the Future’, CIMB Niaga endeavors to mobilise investments and capital for sustainable development and as an intermediary, we can create net positive impact by bringing to market, purpose-driven financial solutions.

OCTO Card Digital Credit Card & Cardless Withdrawal/ Deposit Feature on OCTO Mobile

Integrated in the OCTO Mobile application, customer may leverage the OCTO Card Digital Credit Card/Digital Octo Card Syariah Card feature without using a physical card. Customers may enjoy the convenience of digital transactions – from payment transactions using the QRIS Scan feature, e-Commerce shopping, checking the bank statements, to convert transactions into fixed installments of 3, 6, 12 and 24 months. The Bank is also actively promoting cardless cash deposit and withdrawal features via OCTO Mobile. This feature is in line with the Central Bank Indonesia’s vision to facilitate easier financial transactions, without using an ATM/debit card. In 2023, more than 4.5 million cardless deposit and cash withdrawal transactions carried out by loyal OCTO Mobile users.

Convenience in Opening a Foreign Currency Account & Foreign Currency Transactions with CIMB Niaga Debit Card

One of the main features in 2023 is the foreign currency (forex) account opening for existing users. Opening foreign account is doable in independent and paperless steps, only from the OCTO Mobile application. Moreover, users may leverage the foreign exchange account as their source of funds for debit card transactions. For instance, user may open a Singapore Dollar account then simply use their debit card in Singapore – withdrawing their account balance while avoiding the currency exchange fees & rate.

Giro Kartini

The Bank has launched ‘Giro Kartini’ account for Emerging Business Banking (EBB) customers, to support the national Sustainable Development Goals (SDGs) agenda, i.e. SDG 5 (gender equality and women’s empowerment). This genderresponsive program share the advantages for female entrepreneurs in managing their savings in more effective ways, to further support their business development. Giro Kartini is also an environmentally friendly and paperless product, fitted with e-statement features. Giro Kartini also offers a range of interesting features such as account number selection, competitive account fees and rates, and transaction fee refunds pursuant to the ongoing program. This account eligible for both individual female customers and non-individual customers led by women. Furthermore, the Bank make donation for each Giro Kartini account opening to support traditional weaving training for women with disabilities in Sulawesi. As of 2023, Bank recorded a portfolio of Rp86.30 billion of Giro Kartini, spreading across various regions in Indonesia.

Sustainability-Linked Loan/Financing (SLL/F) and Sustainable Finance (SF) Programs

Bank continues its innovation in the SLL/F and SF programs by offering incentives for customers who achieved pre-agreed sustainability performance targets. The SF program is aimed to finance Bank’s customers engaged in business activities aligned with KKUB. Bank successfully recorded SLL/F syndication transactions totaling Rp1.03 trillion for debtor in the cement and palm oil plantation sectors who aim to achieve sustainability performance targets of GHG emissions reduction. Furthermore, Bank has provided green financing to five customers through the SF program, totaling Rp2.74 trillion.

One House One Tree

Bank shares an opportunity for every CIMB Niaga mortgage customer to contribute for mother earth’s sustainability through a tree planting initiative. In 2023, this program recorded positive contribution of 4,400 bamboo plants (Bambusa sp.), 1,000 coffee plants (Coffea sp.), and 550 nutmeg plants (Myristica fragrans).

Green Mortgage Financing

Green Mortgage is a mortgage (KPR) facility for greencertified residences, for instance by Green Building Council Indonesia (GBCI) and/or Excellence in Design for Greater Efficiencies (EDGE). By the end of 2023, financing for green certified residences recorded transaction value of greater than Rp273 billion.

Green Auto or Environmentally-Friendly Vehicle Financing

Green Auto Loan is a financing facility accustomed to electricbattery motorized vehicles as well as hybrid vehicles provided by our subsidiary CIMB Niaga Finance (CNAF). In 2023, CNAF recorded a total of 1,130 electric and hybrid vehicles financing, with transactions value exceeding Rp359 billion.

Solar Panel Financing x Housing Loan (KPR)

Bank provides solar panels financing using credit cards and EDC in registered green merchants. These green merchants are the solar panel and non-solar panel merchants. By the end of 2023, Bank facilitated more than Rp6 billion transactions for customers via green merchant partners.

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