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.

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

The SLL/F and SF programs provide incentives for customers who achieve sustainability targets as agreed upon at the beginning of the program. The SF program is specifically designed for Bank’s financing customers engaged in businesses classified under the Sustainable Business Activity Category (KKUB). As of December 2024, Bank recorded sustainable financing of Rp1.59 trillion through the SLL/F program and Rp3.18 trillion through the SF program.

Green Mortgage Financing

Green Mortgage Financing is a facility for purchasing properties developed by certified green developers, such as those accredited by the Green Building Council Indonesia (GBCI) and/or Excellence in Design for Greater Efficiencies (EDGE). In 2024, Green Mortgage financing reached a total of Rp281 billion.

Eco Financing for Environmentally Friendly Vehicles

The Eco Financing program for environmentally friendly vehicles is an initiative led by CIMB Niaga’s subsidiary, CIMB Niaga Finance (CNAF). This program provides financing for battery electric vehicles (BEVs) and hybrid vehicles. In 2024, financing in this segment reached Rp814.51 billion, reflecting a 127% growth from the previous year. This growth was driven by the expanding market potential for eco-friendly vehicles and government initiatives encouraging a gradual transition to sustainable transportation in Indonesia. As part of its 2024 initiatives, CNAF installed an electric vehicle (EV) charging station at its headquarters in Bintaro, South Tangerang. This initiative demonstrates CNAF’s commitment to supporting sustainability efforts by both the company and the government, specifically in accelerating the development of infrastructure for environmentally friendly vehicles.

iB Mapan Savings with Waqf (Sustainability Linked Wakaf)

The iB Mapan Savings with Waqf is a term savings program with a fixed monthly deposit system based on the selected tenure. Customers receive an upfront gift from CIMB Niaga Syariah, which is allocated as a waqf (endowment) and transferred to the current account of a partner waqf institution for management on behalf of the customer.

One House One Tree

The One House One Tree initiative, introduced in 2023, engages customers to contribute towards environmental sustainability by planting a tree for each CIMB Niaga mortgage (KPR) booked. Until the year of 2024, this program contributed to the planting of 8,100 trees, with the following distribution: 51% bamboo, 36% coffee, and the remainder consisting of other economically valuable plants.

Giro Kartini

Giro Kartini is a gender-responsive current account product that supports the growth of women entrepreneurs' businesses. This product aligns with Sustainable Development Goal (SDG) 5: Gender Equality and Empowerment of All Women and Girls. Giro Kartini offers attractive features such as competitive interest rates and transaction fee reimbursements based on applicable programs. Additionally, for every Giro Kartini account opened, a donation of Rp25 thousand is made to the Yayasan Inklusif dari Timur (Tenoon) to support traditional weaving training for women with disabilities in Sulawesi. In 2024, the total third-party funds managed by Bank through Giro Kartini reached Rp509.7 billion.

EBB Kartini Loan

CIMB Niaga launching the ‘Kartini Loan’ program for Emerging Business Banking (EBB) segment customers. This initiative supports Sustainable Development Goal (SDG) 5: Gender Equality and Empowerment of All Women and Girls as part of the national agenda. The genderresponsive financing program was introduced in December 2024, offering competitive interest rates to businesses classified as Micro, Small, and Medium Enterprises (MSMEs). It is available to womenled businesses, including individual female entrepreneurs or business entities owned and/or managed by women. Additionally, for each new facility booking or additional financing, Bank will contribute to third party as part of its commitment to community development and women’s empowerment, embracing the ‘women supporting women’ principle.

Green Merchants - Credit card financing via Green Merchant

Bank provides solar panel financing through CIMB Niaga credit cards and CIMB Niaga EDC (Electronic Data Capture) machines to registered green merchants. Green merchants include both solar panel and non-solar panel businesses. By the end of 2024, Bank facilitated customer transaction financing worth Rp6.89 billion through partner green merchants.

Digital Credit Card

The OCTO Card Digital Credit Card and OCTO Card Syariah Digital Card, integrated within OCTO Mobile, enable customers to transact without a physical card. Features include QRIS payment scanning, e-commerce shopping, and the option to convert transactions into fixed installments for up to 24 months. Additionally, Bank promotes the use of cardless deposit and withdrawal features via OCTO Mobile, aligning with Bank Indonesia’s vision to facilitate seamless digital financial transactions.

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