Convert a CIMB Bank Statement to Excel

CIMB statement conversion across Malaysian and Indonesian layouts, and the checks that confirm completeness.

CIMB operates across Malaysia, Indonesia, Singapore and Thailand, with statement layouts that differ by market and by account product.

Indonesian statements use different number formatting

Indonesian rupiah amounts are large — a modest salary runs into eight figures — and Indonesian statements use the decimal comma with a period as the thousands separator, like most of Europe.

Combined with large numbers, a decimal misreading produces spectacular errors. 5.000.000,00 read with English conventions becomes 5.00000000, or is rejected entirely.

Rupiah amounts often have no decimal places

Because the smallest practical unit is large, Indonesian statements frequently print amounts with no decimal fraction at all — 5.000.000 rather than 5.000.000,00.

That removes the usual signal for identifying the decimal separator. Resolution has to come from testing against the printed closing balance rather than from the number format alone.

Verifying

  1. Convert the statement The market layout is detected from the file.
  2. Sanity-check the magnitude Do the amounts look like plausible rupiah or ringgit figures?
  3. Walk the chain A decimal misreading breaks it immediately, which is the definitive check.
  4. Compare against printed totals To confirm completeness as well as correctness.

What you get back

In the fileWhat you get
That market's own columnsEvery heading as the statement prints it, in the same order
DatesExactly as printed, with nothing reformatted
DescriptionsIn full, transfer references included, with wrapped lines joined into one cell
AmountsExactly as printed — 5.000.000,00 stays 5.000.000,00 — so no decimal convention is guessed inside the file
A Completeness sheetWhat the rows could be checked against, and the result

Why the balance chain settles the number format

This is worth spelling out, because it is the mechanism that makes multi-market conversion reliable at all.

Suppose an amount is written 5.000.000. Read one way it is five; read the other it is five million. Both are numbers, so no plausibility check distinguishes them. But only one of the two readings produces a balance column where each row follows arithmetically from the last.

So the statement settles its own ambiguity. Test both interpretations, keep the one that reconciles, and report honestly if neither does.

Frequently asked questions

Are CIMB Niaga (Indonesia) statements supported?

They are read from the table on the page like any other statement, and every amount is kept exactly as printed, Indonesian separators included. Check one amount against the PDF when you turn the column into numbers.

Which decimal reading does the file use?

Neither. The spreadsheet keeps every amount as printed text, so nothing is picked for you. Convert the column to numbers with the separators set to match the statement, then compare one row against the PDF.

Does it handle CIMB Islamic accounts?

Yes. The terms come through as printed, and the balance check works from the figures rather than the words.

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