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

Through the SLL/F scheme, Bank encourages customers to integrate sustainability targets into their business strategies through an incentive mechanism based on the achievement of sustainability indicators agreed from the outset. The SF programme is directed specifically at business sectors included in KKUB, enabling financing to deliver measurable environmental and social impacts. During the 2025 reporting period, Bank recorded financing disbursements of Rp1.79 trillion under the SLL/F scheme, while financing through the SF programme reached Rp4.82 trillion.

Green Mortgage Financing

To support the development of environmentally friendly housing, Bank provides Green Mortgage financing facilities for customers to purchase properties that have obtained green certification, such as from the Green Building Council Indonesia (GBCI) and or Excellence in Design for Greater Efficiencies (EDGE). As of December 2025, Green Mortgage financing disbursements totalled Rp412.66 billion.

Eco Financing for Environmentally Friendly Vehicles

CIMB Niaga Finance (CNAF), a subsidiary of Bank, developed the Eco Financing programme for battery-based electric vehicles and hybrid vehicles. This initiative not only responds to growing market potential but is also aligned with government policies to promote the transition towards an environmentally friendly transport system. As of December 2025, financing in this segment reached Rp1.49 trillion, representing growth of 82% compared with the previous year.

E-bikes Financing through Credit Cards at Green Merchants

Bank provides financing for e-bikes (electric motorcycles and bicycles) using CIMB Niaga credit cards and CIMB Niaga EDC at registered green merchants. By the end of 2025, e-bike financing disbursements totalled Rp2.01 billion.

Sustainability-Linked Trade Finance (SLTF) dan Green Trade Finance (GTF)

CIMB Niaga launched the Sustainability‑Linked Trade Finance (SLTF) and Green Trade Finance (GTF) programs as a tangible demonstration of its commitment to sustainability and the transition toward a green economy, while strengthening the Bank’s role as a strategic partner in achieving environmental and social targets. SLTF is designed for trade finance customers with sustainability commitments through pre‑agreed sustainability performance targets with the Bank, while GTF is intended for trade finance customers engaged in green economic activities or whose financing facilities are used for green and/or environmentally friendly projects, supported by competitive preferential pricing in the form of special fees and interest rates, making sustainability a clear value proposition for customers.

EBB Perempuan Berkarya

As part of its commitment to advancing sustainable financing, the Bank launched the Perempuan Berkarya program in December 2025 to support women‑led MSMEs in developing sustainable businesses through the adoption of clean and environmentally friendly energy solutions, while fostering an inclusive ecosystem and supporting the energy transition. The program is a strategic collaboration between CIMB Niaga, the United Nations Environment Programme (UNEP), and UN Women, coordinated by the Basel Agency for Sustainable Energy (BASE Foundation), and complements existing women empowerment initiatives such as Giro Kartini and Kartini Loan, while strengthening the Bank’s contribution to the Sustainable Development Goals (SDGs), particularly SDG 5, SDG 7, SDG 13, and SDG 17.

One House One Tree

Launched in 2023, the One House One Tree programme invites customers to contribute to environmental conservation through a scheme of planting one tree for each CIMB Niaga mortgage booking. The initiative is designed to integrate environmental action into housing financing activities. As of the 2025 reporting period, the programme supported the planting of more than 4,600 plants, dominated by bamboo (42%) and coffee (42%), with the remainder comprising other economically valuable plant types.

Giro Kartini

As a current account product designed using a gender-responsive approach, Giro Kartini was developed to support the business growth of women entrepreneurs while contributing to the achievement of Sustainable Development Goal (SDG) 5 on gender equality. The product includes various features, such as competitive current account interest and a transaction fee refund mechanism in accordance with the applicable programme terms. Beyond financial benefits, each Giro Kartini account opening is also followed by a Rp25,000 donation to the Yayasan Inklusif dari Timur (Tenoon) to support traditional weaving training for women with disabilities in Sulawesi. As of the 2025 reporting period, total third-party funds (TPF) raisedthrough this product reached Rp382.51 billion.

EBB Kartini Loan

Bank 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. As of the 2025 reporting period, total outstanding is Rp92.12 billion.

Green Merchants - Credit card financing via Green Merchant

Through the Green Merchants initiative, Bank expands access to sustainable financing by using CIMB Niaga credit card and EDC facilities, particularly for transactions at merchants registered as environmentally friendly partners. As of December 2025, financing disbursements through the green merchants network reached Rp4.58 billion, reflecting the role of credit cards as an instrument supporting the transition towards more responsible consumption.

Digital Credit Card

Through OCTO Mobile, Bank provides the OCTO Card Digital Credit Card and OCTO Card Syariah Digital Card, enabling customers to transact without using a physical card. Features include various conveniences such as payments via QRIS Scan, e-commerce transactions and conversion of purchases into fixed instalments of up to 24 months. In addition, Bank continues to optimise the use of cardless cash deposit and withdrawal features as part of efforts to expand adoption of digital banking services. This initiative is aligned with Bank Indonesia’s policy direction in promoting a more practical and inclusive financial transaction ecosystem. Bank provides financing through CIMB Niaga digital credit cards. By the end of 2025, a total of 59,181 new cards had been issued.

GreenBizReady

Through GreenBizReady, the Bank connects customers and prospective customers with a range of sustainability solution providers, including services for GHG emissions measurement, renewable energy and energy efficiency technologies, capacity building, as well as environmental and social consulting and performance assurance services. To strengthen this ecosystem, the Bank collaborates with several partners, including Jejakin through the CarbonIQ platform, Masdar Mitra Solar Radiance (MMSR), PLN IconGreen, iForte Energi Nusantara, ATW Solar Indonesia, Surveyor Indonesia, Bureau Veritas Indonesia, Tri Hita Konsultan (Trihita Consulting), and GIZ Energy Indonesia, with opportunities to add more strategic partners in the future to support customer needs.

Cash Waqf Linked Sukuk (CWLS)

Cash Waqf Linked Sukuk (CWLS) is part of a strategic initiative by the Ministry of Finance of the Republic of Indonesia through the Directorate General of Budget Financing and Risk Management (DJPPR), in collaboration with the Sharia Business Unit of Bank CIMB Niaga as a Sharia Financial Institution Receiving Cash Waqf (LKS‑PWU) and Distribution Partner. This cash waqf product utilizes returns from sharia‑compliant investments in Government Sharia Securities (SBSN) to support social programs and community economic empowerment, with returns distributed in partnership with Yayasan Dompet Dhuafa and primarily allocated to the education and health sectors, including scholarships for underprivileged beneficiaries, provision of learning facilities, development of educational infrastructure, free ambulance services, and the procurement of medical equipment.

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