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CIMB Group seeks to be amongst the leading ASEAN banks (top quartile) when measured by financial as well as nonfinancial metrics. We shall focus on key markets and segments, where we play to win. We are a local ASEAN bank and this is our key differentiation.


Message from the Chairman

  • Moving Forward with You
    The challenges of the pandemic era have affirmed our conviction in our purpose to serve. We continue to recalibrate our strategies with a commitment to leave no one behind, an underlying principle in the CIMB Group’s orientation towards value creation.
  • Strengthen Risk & Governance
    Enhancing our risk assessment and mitigation systems was a top priority especially given the circumstances underscored by the COVID-19 pandemic. We deployed rapid-response mechanisms during the crisis management period, leveraging on the inbuilt agility of our systems and processes.
  • Sustainability
    During the year, we doubled our sustainable finance target from RM30 billion to RM60 billion by 2024. Under our Green, Social, Sustainable Impact Products & Services (GSSIPS) framework, the initial RM30 billion target was mobilised two years ahead of schedule.
  • Integrating Value-Based Intermediation
    Through CIMB Foundation, we continued to address alleviating the struggles of the B40 community. In our bid to leave no one behind, RM33.4 million was channeled (through various programmes) to underprivileged communities in our operating markets.

Group CEO’s Reflections

  • Strong Profitability
    The Group surpassed all our financial targets for the year amidst the global headwinds. Our core Profit Before Tax (PBT) and core Net Profit grew by 33.8% and 33.5% YoY to reach RM8.49 billion and RM6.21 billion respectively.
  • Our EPICC Culture
    2022 marked the start our refreshed values and culture journey. Our EPICC culture framework which stands for Enabling Talent, Passion, Integrity & Accountability, Collaboration and Customer Centricity, was successfully rolled out in the beginning of the year as we work towards becoming the best organisation for the best talent with the right values to thrive in.
  • Enhancing Digital Platforms
    A key focus area for the year was our digital reliability, where we invested almost RM900 million to enhance our digital platforms and further strengthen our technology resilience.
  • Sustainability Progress
    All our efforts culminated in our S&P Global Corporate Sustainability Assessment score of 69, achieving the 80th percentile. During the year, we also announced further commitments such as raising the sustainable finance target from RM30 billion to RM60 billion and reducing thermal coal mining exposure by half from end-2021 levels by 2030 and fully by 2040, among others.

Shared Value @ CIMB

  • We manage our business and people with the responsibility of delivering sustainable and impactful financial returns.
  • A commitment to principles of good governance and the strategic role of our Board, Senior Leadership and skilled workforce collectively contribute to shaping a profitable organisation.


       * Investors, Shareholders, Employees, Suppliers 


  • We support the aspirations of our customers and clients by taking an inclusive approach to development.
  • Our objective is to create net positive impact through our products and services, positively advancing customers and making business a force for good.
  • We champion purposeful programmes that empower communities and create a better planet.
  • From financial literacy to entrepreneurship, community empowerment to environmental stewardship, we identify issues that hinder socio-economic development in communities that matter to us. We tackle these challenges head-on, working towards a brighter, more sustainable future for all.
  • CIMB Group’s recalibrated Value Creation Business Model demonstrates our unique disposition towards various resource inputs, deployed strategies, stakeholder inclusion, purpose and propositions, accountability, tangible outcomes and positive impact.

CIMB Group's Forward 23+ Strategy

Delivering Sustainable Financial Returns

Catalyse growth and turnaround businesses by tapping on high potential opportunities across ASEAN.

Disciplined Execution

Instil disciplined execution amongst #teamCIMB at all levels to manage performance, inculcate operational resiliency, improve efficiencies and accelerate growth.

Customer Centricity

Deliver on our CX promises to make banking Easy, Efficient and always going the Extra Mile for our customers – CIMB Group’s key differentiator.

Transform Fundamentals

Ensure the ASEAN franchise has the right level of support and a uniform set of standards and guidelines to operate optimally.

Purpose-driven Organisation

Advance customers and society through our corporate values and responsible banking practices, shaping a better tomorrow and a sustainable planet.

Download our full 2022 Integrated Annual Report