Ammb Holdings Bhd. · MYX:AMBANK

Ammb Holdings Bhd — Q1 FY2026 Earnings Presentation

37 slides from Ammb Holdings Bhd's earnings presentation, Aug 18, 2025

  1. Slide 1: Q1FY2026 Results Investor Presentation

    Q1FY2026 RESULTS (30 June 2025) INVESTOR PRESENTATION 18 AUGUST 2025

  2. Slide 2: GCEO Presentation

    GCEO PRESENTATION Jamie Ling 3 Q1FY26 Financial Snapshot 4 Loans by Stages 5 Outlook for CY2025 6 Financial Overview

  3. Slide 3: Q1FY26 Financial Snapshot

    Financial Snapshot Q1FY26 Financial snapshot Q1FY26 Financials Variance Good start to FY26, delivering RM516 mil PATMI driven by 10% income growth • NIM expanded to 2.01% (Q1FY25: 1.89%) driven by COF reduction 1,291 Income  10% • NoII grew 15% with higher gains from securities more than offset the

  4. Slide 4: Portfolio quality

    Loans Portfolio quality Loans by ECL Stages (RM’ bil) Breakdown by Business Segments (%) Stage 1 Stage 1 Stage 2 Stage 3 WB 92.8% 92.3% 137.1 138.9 138.2 90.0% 91.1% 132.7 134.5 RB 1.7% 1.5% 1.7% 1.7% 1.7% 7.8% 7.6% BB 89.7% 8.2% 8.7% 89.3% 8.2% Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1FY26 90.1% 90.1% 89.6% 9

  5. Slide 5: Outlook for CY2025

    Market Outlook Outlook for CY2025 GDP Growth 3.5% to 4.5% Inflation 1.8% to 2.3% Malaysia Unemployment Rate 3.2% USD/MYR Outlook RM4.20 to RM4.40 Loans Growth 5.0% to 6.0% Banking Asset Quality Stable Sector OPR 2.75% Liquidity & Capital Positions Resilient CY = Calendar Year 55 Q1FY26 Results – Inv

  6. Slide 6: Q1FY26 Financial Overview (QoQ)

    Financial Overview (QoQ) Q1FY26 Financial Overview: PATMI of RM516m, NIM 2.01%, CTI 43.7%, Solid capital 1 Q1FY26 Results (QoQ) • Income of RM1,291mil (Q4FY25: RM1,281mil), up 1% QoQ - NII grew 3% to RM925mil (Q4FY25: RM895mil) while NIM improved 5bps to 2.01% (Q4FY25: 1.96%) - NoII fell 5% to RM366

  7. Slide 7: Q1FY26 Performance Summary – RM516m PATMI, a strong quarter

    Financial Overview (Reported) Q1FY26 Performance Summary – RM516m PATMI, a strong quarter P&L (RM’ mil) Q4FY25 Q1FY26 QoQ Change Q1FY25 Q1FY26 YoY Change Total Income 1,281 1,291  1% 1,179 1,291  10% - NII 895 925  3% 861 925  7% - NOII 387 366  (5%) 318 366  15% Expenses (576) (564)  (2%) (5

  8. Slide 8: Q1FY26 Performance Summary – Highly liquid and well capitalised

    Financial Overview (Reported) Q1FY26 Performance Summary – Highly liquid and well capitalised Balance Sheet (RM’ bil) Q4FY25 Q1FY26 QoQ Change Q1FY25 Q1FY26 YoY Change Gross Loans 138.9 138.2  (1%) 132.7 138.2  4% GIL 1.54% 1.71%  0.17% 1.70% 1.71%  0.01% LLC (include Reg Reserves) 103.6% 100.1%

  9. Slide 9: P&L walk – Good start to FY26 with PATMI of RM516m

    Group P&L P&L walk – Good start to FY26 with PATMI of RM516m YoY Growth  7%  15%  10%  8%  10%  >100%  1%  (5%)  3% 48 64 500 (43) 7 516 (60) Q1FY25 NII NoII Total Expenses PBP Impairment PBT Tax & Q1FY26 Income Zakat Q1FY26 925 366 1,291 (564) 727 (72) 654 (138) 516 Q1FY25 861 318 1,179 (5

  10. Slide 10: Income growth of 10% in more volatile market conditions

    Income Income growth of 10% in more volatile market conditions Business Segments Q4FY25 Q1FY26 QoQ Change Q1FY25 Q1FY26 YoY Change (RM’ mil) Wholesale Banking 388 413  7% 269 413  54% Investment Banking & Funds Management 95 85  (10%) 100 85  (15%) Retail Banking 330 339  3% 365 339  (7%) Busi

  11. Slide 11: Lower COF driving NIM to 2.01%

    NIM Lower COF driving NIM to 2.01%, OPR reduction impact in Q2 YoY NIM Q1FY26: Net Interest Margin (NIM) Movement (QoQ) Reported: 2.01% (  12bps ) Q1FY25: Assets Reported: 1.89% 7.3 0.0 0.5  5bps 1.6 (0.8) bps (1.7) (1.8) 201 196 Q4FY25 Retail Wholesale Banking Wholesale Investment Banking Investm

  12. Slide 12: Non-interest income: higher trading gains offset lower fees

    NoII Higher trading gains in GTM offset lower fee income from IB and Wealth Management Composition 6% 24% 28% 4% 8% 12% 8% 8% 2% 100% YoY Growth  22%  >100%  4%  (20%)  (30%)  (11%)  (20%)  (1%)  (18%)  15% 70 4 (3) 366 (13) (12) (5) (6) (7) (0) (2) 318 54 Group Wealth Management:  (19%)

  13. Slide 13: CTI of 43.7%

    Expenses CTI of 43.7% Business Segments Q4FY25 Q1FY26 QoQ Change Q1FY25 Q1FY26 YoY Change (RM’ mil) Wholesale Banking 95 92  (3%) 85 92  8% Investment Banking & Funds Management 68 61  (11%) 58 61  5% Retail Banking 247 257  4% 245 257  5% Business Banking 149 148  (1%) 135 148  9% Others 17

  14. Slide 14: PBP grew 10%, PATMI grew 3% YoY

    PBP & PATMI PBP grew 10%, PATMI grew 3% YoY Business Segments Q4FY25 Q1FY26 QoQ Change Q1FY25 Q1FY26 YoY Change (RM’ mil) Wholesale Banking 293 321  10% 184 321  75% Investment Banking & Funds Management 26 24  (9%) 42 24  (43%) Retail Banking 83 82  (1%) 120 82  (31%) Business Banking 295 295

  15. Slide 15: Loans growth in BB, offset by loan repayment in WB

    Loans Loans growth in BB, offset by loan repayment in WB, repositioning RB Gross Loans Movement (RM’ bil) Breakdown by rate sensitivity: Breakdown by concept: Breakdown by customers’ type: Fixed rate – 18% Islamic – 34% Retail – 49% Variable rate –82% Conventional – 66% Non-retail – 51% Composition

  16. Slide 16: Higher provisions in BB and RB offset by lower FL writeback

    Asset Quality Higher provisions in BB and RB offset by significantly lower FL writeback YoY Net Impairment (YoY Movement) (RM’mil) 101.4 10.2 72.4 (43.0) (20.8) 37.1 12.3 (24.7) Q1FY25 ECL ECL Stage 3 Forward Overlay Recoveries C&C / Q1FY26 Stage 1 & 2 & Looking Others Individual Provision Positive

  17. Slide 17: Remain watchful on SME segment

    Asset Quality Remain watchful on SME segment Impaired Loans by Sector Collateralisation of Portfolios Jun’24 Mar’25 Jun’25 YoY QoQ Performing loans – 98.29% Sector Composition RM’ mil RM’ mil RM’ mil Movement Movement Agriculture 5 13 9 0%  93%  (34%) Mining and 48 40 42 2%  (13%)  4% quarrying

  18. Slide 18: Deposit repricing to improve margin

    Deposits Deposit repricing to improve margin Deposits (RM’ bil) CASA (RM’ bil) and CASA Composition (%) Customer Deposits Trend YTD Growth Industry CASA Trend YTD Growth Industry Q1FY26 138.0  (3%)  1%1 Q1FY26 46.9  (8%)  2%1 FY25 141.5  (1%)  3%2 FY25 51.0  (3%)  3%2 FY24 142.4  9%  5%2 F

  19. Slide 19: Solid capital position

    Capital Solid capital position RWA/Total Assets1 Capital Adequacy Ratios1,3 Total Assets RWA/Total Assets Peers2 CET 1 / Tier 1 TCR 62.7% 63.3% 58.0% 58.6% 17.92% 17.49% 17.68% 54.9% 55.3% 55.3% 54.9% 16.30% RM’ bil 15.15% 14.82% 14.90% 197.4 196.8 199.0 196.2 13.04% FY23 FY24 FY25 Q1FY26 FY24 FY24

  20. Slide 20: Q1FY26 Summary

    Summary Q1FY26 Summary FINANCIAL OPERATING CREDIT BALANCE SHEET PERFORMANCE LEVERAGE PROFILE STRENGTH • Good income growth, • CTI lower at 43.7%; • Adequate Loan Loss • Remain solid with NIM at 2.01% before Positive JAWS Coverage* of 100.1% CET1 at 14.90% and OPR impact TCR at 17.68% • Personnel exp

  21. Slide 21: Thank You

    THANK YOU PRINCIPLED ‘APPRECIATIVE (on : COLLABORATIVE EXPERIMENTAL Biba st 11 Be

  22. Slide 22: Yearly Financial Highlights

    Q1FY26 Results Yearly Financial Highlights PATMI (RM’mil) & ROE (%) Total Income (RM’mil) and Non-interest Income (%) Total Income: PATMI: ROE: CAGR FY23-FY25:  2.3% YoY Growth  3.2% YoY Growth (0.2%) YoY Growth  9.5% PATMI ROE Total Income Non-Interest Income % 9.8% 10.0% 10.0% 10.2% 10.0% 29%

  23. Slide 23: (Impairment charges) / Recoveries

    Asset Quality (Impairment charges) / Recoveries Net (Impairments) / Recoveries and GIL Ratio Total impairments by category (RM’ mil) Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1FY26 QoQ Change YoY Change ECL Stage 1 & 2 – Non defaulted (charge) / reversal (33) 15 (3) 23 (8)  >100%  (76%) ECL Stage 3 & individua

  24. Slide 24: Divisional Performance

    Divisional Performance PRINCIPLED 2 PROACTIVE APPRECIATIVE COLLABORATIVE EXPERIMENTAL

  25. Slide 25: Wholesale Banking

    Wholesale Banking Wholesale Banking Total Income (YoY Movement) and Assets by Line of Business PAT Trend (RM’ mil) QoQ Growth:  12% YoY Growth:  66% Total Income  54% FY25: 843 RM413 mil 262 271 241  4% 177 163 Transaction Banking 14% Transaction Banking  9% 4% Corporate Corporate Q1FY25 Q2FY25

  26. Slide 26: Wholesale Banking

    Wholesale Banking Wholesale Banking Income Statement YoY Growth  30% 30%  >100% 54% 54% 8%  8%  75%  15%  67% 67%  71%  71% 66%  66% 75 43 (7) 271 70 (34) 163 Net Interest Non-Interest Impairment RM' mil Total Income Expenses PBP PBT Tax & Zakat PAT Income Income write-back Q1FY26 302

  27. Slide 27: Investment Banking & Funds Management

    Investment Banking & Funds Management Investment Banking & Funds Management League Table PAT Trend (RM’ mil) Market Share1 As At Rank2 QoQ Growth:  (14%) 30 June 2025 YoY Growth:  (47%) DCM 7.4% 4 (Overall MYR Bonds) FY25: 118 Islamic Sukuk 5.8% 5 Unit Trust 6.8% 5 37 32 Stockbroking3 7.5% 6 2

  28. Slide 28: Investment Banking & Funds Management

    Investment Banking & Funds Management Investment Banking & Funds Management Income Statement YoY Growth  (18%)  (15%)  (15%)  5%  (43%)  (64%)  (44%)  (31%)  (47%) 37 (3) 32 20 (13) (12) (3) (2) Net Interest Non-Interest Impairment RM' mil Total Income Expenses PBP PBT Tax & Zakat PAT Incom

  29. Slide 29: Retail Banking

    Retail Banking Retail Banking Total Income (YoY Movement) and Loans by Line of Business PAT Trend (RM’ mil) Total Income  (7%) QoQ Growth :  (>100%) RM 339 mil YoY Growth :  (75%)  (72%)  (30%)  (10%) Others Wealth 1% FY25: 165 Mortgage 8% 14% Secured Personal Cards & Financing  (16%) 72 Unse

  30. Slide 30: Retail Banking

    Retail Banking Retail Banking Wealth Sales (RM’ mil) Merchant Volume QoQ Growth:  21% Merchant volume (RM'mil) QoQ Growth:  (28%) YoY Growth:  (5%) YoY Growth:  (32%) Merchants in force ('000) QoQ Growth:  1% YoY Growth:  (12%) FY25: 9,739 35 31 31 30 30 3,222 FY25: 23,454 2,635 2,196 6,395 2,

  31. Slide 31: Retail Banking

    Retail Banking Retail Banking Income Statement YoY Growth  (3%) (3%)  (27%) (7%)  (7%) 5%  5%  (31%)  15%  (75%) (75%)  (77%)  (77%)  (75%) 47 (10) (16) 11 12 (11) (9) Net Interest Non-Interest RM' mil Total Income Expenses PBP Impairment PBT Tax & Zakat PAT Income Income Q1FY26 296 43

  32. Slide 32: Business Banking

    Business Banking Business Banking Gross Loans (RM’ mil) PAT Trend (RM’ mil) QoQ Growth:  1% QoQ Growth:  (15%) YoY Growth:  12% YoY Growth:  (17%) Non-trade Trade 48,708 49,303 45,871 47,543 43,957 11,789 12,303 11,904 10,428 11,005 FY25: 841 34,866 35,754 36,405 37,398 33,529 236 232 224 Q1FY25

  33. Slide 33: Business Banking

    Business Banking Business Banking Income Statement YoY Growth  3%  4%  3%  9%  1%  >100%  (16%)  (15%)  (17%) 236 10 4 (12) 11 197 (53) Net Interest Non-Interest Impairment (charge)/ RM' mil Total Income Expenses PBP PBT Tax & Zakat PAT Income Income write-back Q1FY26 340 102 443 (148) 295

  34. Slide 34: Group Wealth Management

    Group Wealth Management Group Wealth Management1 Income Statement YoY Growth  (17%)  (19%)  (19%)≈  (7%)  (42%) N/A  (42%)  (20%)  (46%) 28 (1) 5 1 15 (18) Net Interest Non-Interest Impairment (charge)/ RM' mil Total Income Expenses PBP PBT Tax & Zakat PAT Income Income write-back Q1FY26 3 7

  35. Slide 35: AmBank (M)

    AmBank (M) entity level AmBank (M) Income Statement YoY Growth 6% 6%  26% 26%  11% 11%  8%  8%  13% 13%  >100%  >100%  7%  7%  7%  7%  7% 45 35 327 304 (27) (24) (7) Net Interest Non-Interest RM' mil Total Income Expenses PBP Impairment PBT Tax PAT Income Income Q1FY26 613 218 831 (

  36. Slide 36: AmBank Islamic

    AmBank Islamic entity level AmBank Islamic Income Statement YoY Growth  11% 11%  54% 15%  15% 9%  9%  19%  >100% >100%  (2%) (2%)  (3%)  (3%)  (2%) 15 30 138 (12) 1 136 (37) Net Financing Non-Financing Impairment (charge)/ RM' mil Total Income Expenses PBP PBT Tax & Zakat PATZ Income

  37. Slide 37: Glossary & Disclaimer

    Glossary & Disclaimer Glossary & Disclaimer of warranty and limitation of liability Reported Performance Reported performance refers to the financial performance as reported in the audited financial statements and disclosed to the market Growth Definition QoQ growth refers to Q1FY26 vs Q4FY25 YoY gr

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