WHO'S THE MOST CHARITABLE?

How CIMB Bank Berhad Gives Back To Society?

CIMB Group Holdings Berhad

CIMB Group is a leading focused ASEAN bank and one of the region’s foremost corporate advisors. It is also a world leader in Islamic finance. The Group is headquartered in Kuala Lumpur, Malaysia, and offers Consumer Banking, Commercial Banking, Wholesale Banking, Islamic Banking, Wealth Management and Digital Payment Products and Services. It is the fifth largest banking group by assets in ASEAN and, as at the end of December 2023, had over 33,000 staff and around 25 million customers. CIMB’s sustainability framework and approach focuses on Sustainable Action, Sustainable Business, Corporate Citizenship, Stakeholder Engagment & Advocacy and Governance and Risk.

Fiscal Year-End: 31 December 2023

Industry: Financial Services

Net Profit: RM6.98 billion

The net profit of CIMB increased in FY2023 to RM6.98 billion from RM5.44 billion during the previous financial year.

Profit Growth (YoY): 28.31%

The year on year net profit growth at CIMB Group Holdings Berhad is at 28.31%

Dividend Payout: RM4.59 billion

The Group declared a higher dividend payout ratio for FY2023 at 55% which amounts to RM4.59 billion.

Zakat Fund: RM15 million

CIMB Islamic in Malaysia contributed a total Corporate Zakat of RM15 million in FY2023.

Cash Giving: RM32.90 million

Total cash contributions made by CIMB during FY2023, was RM32.90 million. This contribution was made through community investment across their various entities across the region, funding over 100 projects.

In-kind Giving: N/D

Total in-kind contributions are not defined due to incomplete data. However, contributions are still accounted for under the RM32.90 million contribution made through community investment.

Employee Volunteer Hours: 203,245 hours

The total employee volunteer hours reported by CIMB Group Holdings Berhad is 203,245 hours which is a improvement from last financial year’s reported 142,914 volunteer hours.

CIMB Group Holdings Berhad:
Cash, In-Kind and Employee Volunteer Hours

No.	Contribution	Cash Giving	In-kind Giving	Employee Volunteer Hours	Beneficiaries		Recurring Amount	Recurring Beneficiaries
1	MicroBizReady - Indonesia	N/A	Business Literacy training	N/A	223 women entrepreneurs	We offer financial training to empower entrepreneurs with the necessary skills to grow a small business. We also offer SME QuickBiz financing to SMEs via our zero-collateral SME working capital financing facility to ease financing for small business owners. In Eastern Indonesia, 223 female and vulnerable MSME players received entrepreneurship/business literacy training and working capital financing facility with no interest from CIMB Niaga.		Increase
2	Be$mart	N/A	Financial literacy programme	N/A	98 students	The programme aims to equip them with essential financial knowledge to manage their finances effectively as they graduate and enter the workforce, so that they can make well-informed and meaningful financial decisions for a more successful future. Topics covered ranged from understanding the basics of budgeting, saving, investing, managing debt, financial protection and fraud awareness. Our approach emphasises real-world scenarios, utilising relatable examples to make financial concepts easily comprehensible. In 2023, we piloted a revamped approach to the programme and reached 98 students
3	Financial Literacy programme	N/A	Financial literacy programme	N/A	8,395 students	CIMB Niaga continues to be a strong supporter of the Financial Services Authority’s (OJK) mission to improve financial literacy and inclusion. In 2023, CIMB Niaga’s hybrid financial literacy programmes reached 8,395 students from 37 cities.
4	Let’s Save and Share	N/A	Financial literacy programme	N/A	7,646 students, 148 teachers	The financial literacy and inclusion programmes held by CIMB Niaga include the Tour de Bank (TDB) which introduces banking functions and savings benefits to elementary school students, and the Let’s Save and Share (Ayo Menabung dan Berbagi) programme which is targeted at middle and high school students, introducing them to financial planning. CIMB Niaga has also extended financial management training to teachers from schools participating in the TDB and AMDB programmes. This programme has reached 7,646 students and 148 teachers across 84 schools in Indonesia
5	Community Link Programmes in Malaysia - Education	N/A	Workshop equipment	N/A	Students	Upgraded workshop equipment for a vocational college to help students develop their practical vocational skills.
6	Community Link Programmes in Malaysia - Education	N/A	Back to school kits	N/A	Students	Provided back-to-school kits and workbooks for underprivileged students in the rural areas of Sandakan, Sabah.
7	Community Link Programmes in Malaysia - Economic Empowerment	N/A	Community project	N/A	Community	Implemented a community project for mushroom production and compost fertiliser.
8	Community Link Programmes in Malaysia - Health & Community Wellbeing	N/A	Family resilience programmes	N/A	Community	Conducted family resilience programmes for B40 working parents in Perlis to enhance their ability to cope with various challenges
9	Community Link Programmes in Malaysia - Health & Community Wellbeing	N/A	Monitors and equipment	N/A	Community	Provided quality monitors and equipment for the Pediatrics Department of Hospital Teluk Intan
10	Community Link Programmes in Malaysia - Health & Community Wellbeing	N/A	Cataract screening and intervention programme	N/A	Community	Organised a free cataract screening and intervention programme for the B40 community in Kelantan
11	Community Link Programmes in Malaysia - Health & Community Wellbeing	N/A	Health screening	N/A	Community	Provided free health screenings for early detection of diabetes and hypertension, along with diabetes prevention education, to communities in need within Selangor
12	Community Link Programmes in Malaysia - Health & Community Wellbeing	N/A	Food and essential supplies	N/A	Orang Asli	Contributed food and essential supplies in support of the Orang Asli community at Pos Piah, Sungai Siput, Perak
13	Community Link Programmes in Malaysia - Health & Community Wellbeing	N/A	Medical equipment	N/A	Community	Provided medical equipment to the pediatric cardiology and cardiothoracic departments of various public hospitals in Malaysia
14	Community Link Programmes in Malaysia - Health & Community Wellbeing	N/A	Food and financial aid	N/A	Single mothers	Provided food and financial aid through the i-Sayang programme to underprivileged cancer and diabetic patients in Johor, as well as the i-Dapur programme to equip single mothers in Johor with baking equipment and skills
15	Community Link Programmes in Malaysia - Health & Community Wellbeing	N/A	Gate building	N/A	Students	Established a gated area for a public school in Kuala Lumpur for students to wait for their pickups safely
16	#JadiBerkelanjutan	N/A	Financial literacy programme	N/A	223 MSME participants	The programme comprises a series of financial literacy training sessions for MSMEs in eastern Indonesia, targeting women entrepreneurs and persons with disabilities. In 2023, the Bank conducted the second batch of training for 223 MSME participants, with 187 females and 36 males, including 14 individuals with disabilities		Increase
17	CIMB ASEAN Scholarship	N/A	Scholarships	N/A	1226 undergraduates	In Indonesia, the CIMB Niaga scholarship programme has supported 1,226 Indonesian undergraduates since its inception in 2006. In addition to covering their education expenses, the programme assists scholars in their student activities by providing laptop subsidies, personal development opportunities, and coaching. Upon graduation, scholars are offered the opportunity to pursue careers at CIMB Niaga, furthering their professional journey within the organisation. In Cambodia, CIMB partnered with the Cambodian Children Fund to support undergraduates attending local universities. We also collaborated with CamEd Business School to provide scholarships to students pursuing undergraduate studies in Accountancy.
18	Collaboration with TFM	N/A	Educational Workshops	N/A	170 students	In its third year, CIMB Foundation’s partnership with Teach For Malaysia (TFM) has positively impacted over 3,000 students through a transformative education programme. TFM provides training to empower Fellows in supporting schools with high needs within the government education system, addressing gaps in educational equity. TFM also spearheads a programme funded by the Foundation aimed at enriching the learning journeys of children residing in public housing projects in Shah Alam and Subang. In 2023, more than 170 students aged 17 and below benefited from workshops on goal-setting, personal resilience and tutoring sessions
19	Edukerjaya Programme	N/A	Educational Workshops	N/A	80 students	CIMB Foundation also collaborated with Project ID and supported the Edukerjaya programme, which helped 80 secondary school students in Selangor to broaden their understanding of various career options and pathways, and to identify their career aspirations. Additionally, 25 students were selected for mini-internships with private sector partners to gain practical hands-on experiences.
20	CIMB RoboCAMP	N/A	Educational Workshops	N/A	132 students	CIMB RoboCAMP has been engaging underserved Malaysian primary school students in Science, Technology, Engineering and Mathematics (STEM) through the use of C-Based programming language and robotics. In collaboration with DreamEDGE, 132 students from 33 secondary schools participated in a four-day immersive learning camp. The camp concluded with a competition where students showcased their robotic prototypes
21	Digital Inclusion - Thailand	N/A	22 computers, 60 headphones, 1 printer, 3 monitors, 1 LCD TV	N/A	Banprik School	CIMB Thai contributed to Chonlaprathanphataek School by donating 12 computers, replacing the hard disks of 40 existing computers, and providing 60 headphones and a printer. Additionally, for Banprik School, CIMB Thai supplied 10 computers with LAN connectivity, three monitors and a LCD TV for teachers.	Increase
22	Digital Inclusion - Cambodia	N/A	Desktop computers and study materials	N/A	519 students	In Cambodia, we extended support by donating desktop computers and study materials to 519 students at Toul Prech Primary School in the southeastern province of Kandal.
23	Special Needs Education - Malaysia	N/A	Accessible formats to Public Library	N/A	Community	In partnership with Yayasan Perpustakaan Raja Tun Uda Malaysia, we contributed to enhancing the library’s services to better serve the visually impaired community. This involved adding materials in various accessible formats such as braille, audio books and large-print materials, as well as improving access to computers and the internet.
24	Special Needs Education - Cambodia	N/A	Special needs education training	N/A	18 teachers	In Cambodia, we improved access to speech therapy by supporting the Rabbit School in training special needs education teachers. Through bi-monthly training sessions, 18 teachers enhanced their skills in speech therapy, aiding in the rehabilitation and integration of individuals with intellectual disabilities into Cambodian society.
25	MicroBizReady - Malaysia	N/A	Business training workshop	N/A	400 participants	Launched in 2020, MBR offers training and mentoring support in areas such as digitalisation, business strategy as well as banking and financial literacy. Developed in partnership with Taylor’s Education Group, the programme has assisted more than 400 participants across 10 cohorts since its inception. In 2023, MBR extended its reach to the northern and southern regions of Malaysia, offering business owners an opportunity to attend a five-day physical boot camp.	Similar	Increase
26	Collaboration with KTJ	N/A	Upskilling programme	N/A	30 women	CIMB partnered with Komuniti Tukang Jahit (KTJ) to support 30 women from B40 communities in improving their financial wellbeing through sewing. The three-month upskilling programme equipped participants with the latest skills and trends, enabling them to leverage their craft for potential business opportunities.
27	Empowering Women - Perak	N/A	Business training workshop	N/A	20 women	We also collaborated with the University of Malaya and Pertubuhan Wanita Prihatin Perak to train 20 women from B40 communities in Perak on how to establish and manage wellness and spa businesses, providing them with avenues to diversify their income.
28	Empowering Youth - Bera district	N/A	Upskilling programme	N/A	20 youths	In partnership with Pertubuhan Pondok Perdana and Universiti Teknologi MARA, Jengka, we supported 20 youths in the Bera district to acquire new skills in fish farming, training them to become aquafarm entrepreneurs. This programme not only promotes economic empowerment but also addresses food security issues within local communities.
29	#seKODlahForBusiness programme	N/A	Digital Bootcamp	N/A	16 participants	In collaboration with the Forest Interactive Foundation, we launched the #seKODlahForBusiness programme to empower young aspiring Malaysians to kick-start their careers in the digital and technology sector. The 12-day intensive boot camp equipped 16 participants with end-to-end tools, techniques and industry knowledge to build successful careers in digital marketing.
30	Better Access to Healthcare - Malaysia	RM13.00M		N/A	50,000 patients	We funded cutting-edge ophthalmology equipment worth RM1.3 million for Universiti Malaya Medical Centre, a public teaching hospital. This contribution will enhance imaging capabilities, leading to improved screening, diagnosing, and treatment of eye conditions. It is expected to benefit about 50,000 patients annually.
31	20/20 Perfect Vision programme	N/A	1,900 pairs of free eyeglasses	N/A	6,124 students	The 20/20 Perfect Vision programme offers free eye screening and eyeglasses to underprivileged students in Kedah and Perlis. 6,124 students underwent eye tests, and 1,900 pairs of free eyeglasses were distributed.
32	Rural Electrification	N/A	Solar-powered lights	N/A	500 individuals	Over the years, CIMB Foundation has been instrumental in providing solar-powered lights to Orang Asli communities in Peninsular Malaysia, as well as in Sarawak. In 2023, in collaboration with our partners, Saora Industries and SKRLWN Enterprises, we extended electricity access to an additional eight villages, positively impacting over 500 individuals and significantly improving their quality of life.	Increase	Increase
33	Empowering Rural and Orang Asli Communities	N/A	Symbiotic system	N/A	Orang Asli community	In partnership with the International Islamic University Malaysia, we developed a symbiotic system for rearing fish and growing vegetables for the Orang Asli community at Kampung Sungai Relang, Gombak, Selangor. The nutrient-rich water from the fish pond is used to grow vegetables, contributing to the community’s food security and enhanced quality of life through increased income.
34	Raising Resilience Among the Orang Asli Students Programme	N/A	Upskilling programme	N/A	30 Orang Asli Youths	In collaboration with #Inspiracomm, the Raising Resilience Among the Orang Asli Students Programme supports 30 Orang Asli youths from Banting. This three-month training, coaching and mentoring initiative seeks to build personal development skills among 16-year-olds to help them with their learning, and to reduce school drop-out rates.
35	Project Cycle Safe	N/A	100 bicycles	N/A	Students	In addition, our Project Cycle Safe with Kechara Soup Kitchen Society Malaysia contributed 100 bicycles to students from indigenous communities to make it easier for them to travel to school.
36	Relief Programmes - Malaysia	N/A	Disaster recovery efforts	N/A	1,828 affected individuals	Many parts of Malaysia remained vulnerable to devastating floods brought on by torrential rains in 2023. We collaborated to support affected communities, tailored to the specific requirements of our partners and the communities. We supported MERCY Malaysia by funding disaster recovery efforts, such as distributing clean water, sanitation, and hygiene supplies, as well as assisting with shelter and housing solutions for 1,828 affected individuals in Kelantan, Sabah, and Sarawak.
37	Relief Programmes - Malaysia	N/A	Disaster recovery efforts	N/A	3,800 flood victims	In Johor and Sabah, we partnered with Malaysian Relief Agency Foundation to provide aid to over 3,800 flood victims.
38	Relief Programmes - Malaysia	N/A	25,000 meals	N/A	1,000 families	We provided funding for two retort machines that produce ready-to-eat meals with a shelf life of two years, and also funded the production of 25,000 meals to feed thousands of families in crucial times of need
39	Relief Programmes - Philippines	N/A	Solar-powered lights	N/A	50 households	In the Philippines we partnered with the “Litre of Light” initiative in the aftermath of Typhoon Egay. We assembled solar-powered lights using inexpensive and readily available materials to provide high-quality solar-powered lighting to 50 households and small businesses in San Marcelino.
40	Sea Turtle Conservation and Coral Restoration project	N/A	Educational Training	N/A	30 young adults	We supported Terengganu’s Sea Turtle Conservation and Coral Restoration project aimed at safeguarding turtle nests, increasing hatchling production and promoting awareness about turtle conservation. The project includes funding for school engagement activities, such as experiential learning, assisting with excavating nests and releasing hatchlings, to foster a sense of responsibility towards protecting the environment. Our partnership with Reef Check Malaysia focused on empowering youths residing on the perimeter of the Tun Sakaran Marine Park in Sabah to become leaders in marine conservation. Over 30 young adults underwent training to become certified divers, enabling them to conduct reef health assessment and restoration efforts, monitor coral bleaching, and install mooring buoys. These initiatives are aimed at supporting the long-term protection of the surrounding ecosystem.
41	Bamboo planting	N/A	49,400 bamboo planted	N/A	Environment	Bamboo plays a crucial role in the fight against climate change. It offers benefits in carbon sequestration, erosion control, and reducing water run-off. CIMB Niaga continues to support various initiatives including the purchase of bamboo seeds and the establishment of bamboo nurseries, plantations and capacity-building programmes for bamboo farmers and their families. In 2023, a total of 49,400 bamboo were planted.
42	Bamboo planting - Capacity building project	N/A	Capacity-building programme	N/A	172 farmers	172 farmers from Lombok Tengah, Nusa Tenggara Barat, and Flores, Nusa Tenggara Timur, participated in the capacitybuilding programmes. These programmes included training in the production of processed bamboo shoots, basic and advanced weaving techniques, cooperative management, cooking classes for ecotourism, as well as making bamboo briquettes and bamboo tea.
43	Program Keusahawaan CIMB-Islamic Taylor's	N/A	Capacity-building opportunities	N/A	30 home-bakers	CIMB Islamic continues to strengthen its long-term collaboration with Taylor’s Community, the CSR division of Taylor’s Education Group, by providing financial grants and capacity-building opportunities to micro-entrepreneurs. The Program Keusahawanan CIMB IslamicTaylor’s aims to empower socio-economic groups by enhancing their business knowledge and skills, as well as establishing business connections. Since the partnership began, the programme has empowered approximately 500 beneficiaries through CIMB’s total contribution of RM3 million. This year, the modules focused on culinary opportunities, supporting more than 30 home-bakers in scaling up their businesses.
44	iTEKAD Rider Entrepreneurship Programme	N/A	Training, duidance and seed-funding oppoerunity	N/A	54 participants	Launched in 2021, CIMB Islamic’s iTEKAD Rider Entrepreneurship Programme is a blended social finance initiative that provides seed capital, microfinancing, and structured training to micro-entrepreneurs in collaboration with implementation partners. Since its inception, CIMB Islamic has contributed RM2.2 million, benefiting 92 participants. This year, CIMB Islamic supported 54 participants with training, guidance and seed funding to grow business opportunities and increase productivity. The support included a motorcycle grant and a one-year employment opportunity with Foodpanda, our delivery partner. The programme is being scaled up and extended to other states, including Melaka, Pahang, Sabah and Sarawak.		Increase
45	Agropreneur programme	N/A	Training and development programme	N/A	20 graduates	CIMB Islamic, in partnership with Yayasan Diraja Sultan Mizan and Universiti Sultan Zainal Abidin, contributed seed funding to support the Melon Manis Terengganu (MMT) Agropreneur Programme. This initiative is designed to provide comprehensive training and development opportunities for university graduates keen on pursuing careers within the agriculture-based industries. With an initial investment of RM350,000, we aim to empower 20 graduates to excel in the high-tech agriculture sector
46	Relief Beyond Borders - Turkey-Syria Earthquake	RM0.10M	N/A	N/A	Earthquake survivors	In response to the devastating effects of the Turkey-Syria earthquake, CIMB Islamic donated RM100,000 to the Earthquake Emergency Response effort managed by MERCY Malaysia. This donation played a critical role in delivering immediate necessities to the earthquake survivors, demonstrating CIMB Islamic’s dedication to making a real difference beyond local borders by addressing urgent international crises.
47	Relief Beyond Borders - Malaysia	RM0.50M	N/A	N/A	3,400 beneficiaries	In 2023, CIMB Islamic supported various initiatives aimed at alleviating the impact of annual monsoon floods on vulnerable communities. Through a contribution of RM500,000, CIMB Islamic supported several NGOs, including Islamic Relief Malaysia, Yayasan Dakwah Islamiah Malaysia, Benevolent Brigade of Malaysia, and Yayasan Belia Malaysia, in providing food and non-food items to flood-affected families. This support resulted in assistance being provided to 3,400 beneficiaries from disadvantaged backgrounds.
48	Relief Beyond Borders - Ramadhan and Syawal	RM1.60M	N/A	N/A	30,000 beneficiaries	Through Zakat Wakalah, CIMB Islamic provided one-off cash contributions to various NGOs to purchase dry food boxes during Ramadhan and Syawal for Asnaf families, orphans, senior citizens, and students across Malaysia. The RM1.6 million contributed touched the lives of more than 30,000 beneficiaries.
49	Employee Volunteer Hours	N/A	N/A	203,000	Beneficiaries	In 2023, we dedicated over 203,000 hours of volunteering efforts across our key markets, surpassing our target of investing 100,000 volunteer hours annually, a goal we aim to achieve by 2024.
50	Employee Volunteering - Malaysia	N/A	Tutoring support, financial literacy education, breakfast distribution	93,312 hours	Beneficiaries	CIMB employees volunteered 93,312 hours for multiple initiatives in Malaysia, including a collaboration with Uplift Malaysia to provide tutoring support and financial literacy education to children from Orang Asli communities in Kuala Kubu Bharu and Slim River on weekends from July to September. They also donated and distributed breakfast and essential items to 11 charity homes under the Nasi Lemak Drive initiative, and supported the Lost Food Project, which collects excess food and essential items from manufacturers and businesses, as well as vegetables from a wholesale market, to redistribute to NGOs, communities in public housing, and charity homes.
51	Employee Volunteering - Indonesia	N/A	N/A	50,884 hours	Beneficiaries	CIMB employees volunteered 50,884 hours for multiple initiatives in Indonesia, including a Bank-wide employee campaign to reduce, reuse and recycle inorganic waste through the “A Better Climate and Environment Challenge" and an education programme, “Sharing and Caring with CIMB Niaga Employees,” in Bogor, Jawa Barat.
52	Employee Volunteering - Thailand	THB0.52M	500 books	41,695 hours	Beneficiaries	CIMB employees volunteered 41,695 hours for multiple initiatives in Thailand, including raising over THB525,000 through the “Run to Win – Save Children Heart” project, an employee health promotion campaign and fundraiser for children with heart disease at Banpheao Hospital and donating more than 500 books to Umphang Non-Formal and Informal Education Centre in NFE Umphang, Tak Province.
53	Employee Volunteering - Vietnam	VND7.15B	26 1000-litrewater tanks, 10 solar-powered street lamps	1,350 hours	Beneficiaries	CIMB employees volunteered 1,350 hours for multiple initiatives in Vietnam, including raising over VND151 million and installing 26 1000-litre water tanks and 10 solar-powered street lamps in local communities and organised mid-autumn festival for children as part of the “Tank of Love” project and co-sponsoring “UpRace”, which raised nearly VND7 billion towards the Vu A Dinh Scholarship Fund and GreenViet Organisation and Association in Support of Vietnamese Handicapped and Orphans.
54	Employee Volunteering - Singapore	SGD3.95k	Food preparation, supporting excursion trips	5,122 hours	Beneficiaries	CIMB employees volunteered 5,122 hours for multiple initiatives in Singapore including supporting the Children’s Wishing Well project by organising grocery shopping trips and providing a S$50 spending allowance for 79 children, assisting in food preparation on a monthly basis at the Willing Hearts soup kitchen for meal deliveries to support those in need and supporting excursion trips at Rainbow Centre, a social service agency which operates special education schools for people with disabilities.
55	Employee Volunteering - Cambodia	KHR41M	1,500 trees and 5,000 square metres of grass planted	10,546 hours	Beneficiaries	CIMB employees volunteered 5,122 hours for multiple initiatives in Cambodia including, planting over 1,500 trees and 5,000 square metres of grass as part of the effort to preserve the Angkor World Heritage Site and donating KHR41 million for the Eyes Care Project led by the National Bank of Cambodia. Employees also volunteered to provide assistance to patients at the clinic

Shows an increase monetarily or the number of beneficiaries from 2022 report.

Shows a decrease monetarily or the number of beneficiaries from 2022 report

1. The numerical value for total cash and in-kind giving was calculated based on individual monetary mentions in the Annual and Sustainability report.

2. The information above is derived from CIMB Group Holdings Berhad’s 2023 Annual and Sustainability Report. Email correspondence was made between 12 June – 30 July 2024 to seek further clarification, however, no reply was received.

This independent report is produced without sponsorship from any organisation. The objective of the Bursa Top 20 is to promote philanthropy and encourage charitable giving among for-profit organisations.

Highlights From CIMB Group Holdings Berhad's Giving

Focus Areas of CIMB Group Holdings Berhad

Beneficiaries of CIMB Group Holdings Berhad

CIMB Group Holdings Berhad disbursed RM32.9 million across various entities in the region, funding over 100 projects, with more than 50% allocated towards educational initiatives. This amount represents 0.47% of their cash-to-profit giving, which is less than the community investment made in the prior year of RM34.4 million, equivalent to 0.63%. Apart from allocating 53.2% of their giving to Education through programs like MicroBizReady, Be$mart, and iTEKAD, 14.9% of their contributions also went towards Health and another 12.8% towards Relief Aid. Most of CIMB’s givings are targeted towards Youth beneficiaries at 36.2% followed by the Community making up 29.8% and Disaster Victims at 10.8%. For instance, CIMB Niaga’s hybrid educational financial literacy programmes reached 8,395 students from 37 cities. Moreover, CIMB Group reported an increase in employee volunteer hours to 203,245 hours from 149,914 hours in the previous financial year.