Alliance Bank Malaysia Bhd. · MYX:ABMB

Alliance Bank Malaysia Bhd — Shareholder Meeting (July 2025)

29 slides from Alliance Bank Malaysia Bhd's shareholder meeting presentation, Jul 30, 2025

  1. Slide 1: 43rd Annual General Meeting

    43rd ANNUAL GENERAL MEETING 30 July 2025 < Title of Presentation > < by> < Date/Status >

  2. Slide 2: Contents

    Contents 1 FY2025 Financial Highlights  ACCELER8 2027: Year Year in in Review Review  Revenue & Profitability  Effective Risk Management  Balance Sheet  Shareholder Value 2 FY2025 Achievements  ACCELER8 2027: Strategic Pillars  Sustainability  Awards 3 Going Forward  ACCELER8 2027: FY2026 P

  3. Slide 3: ACCELER8 2027: FY2025 in review

    ACCELER8 2027: FY2025 in review 7 Launched the ESG 2.0 Survey Report 3 Launched the 1 Launched BizSmart inaugural Alliance Challenge Bank BizSmart Accelerator Conference 5 Launched Guarantee- 8 Expands Mobile Backed Visa Platinum Payment Options with Business Credit Card 9 Won 2 Best Samsung Pay and

  4. Slide 4: Revenue grew 12.3% from NII and NOII growth

    Financial Highlights: Revenue grew 12.3% from NII and NOII growth Revenue & Profitability Revenue growth accelerated RM mil Net interest income (NII)  Revenue growth driven by both Net interest Non-interest income (NOII) income and Non-interest income. 4-year CAGR: +5.7% +12.3%  Net interest incom

  5. Slide 5: Loans growth at 12.0% (>2x faster than industry)

    Financial Highlights: Loans growth at 12.0% (>2x faster than industry) Balance Sheet Gross Loans* Loans Growth YoY Net Interest Margin (%) RM bil NIM was top in RM bil the industry 2.53% 2.64% 2.48% 2.45% 2.30% 62.4 Y-o-Y +12.0% y-o-y 55.7 6.8 +8.4% 62.4 Corporate 6.3 55.7 8.6 +15.8% Commercial 7.5

  6. Slide 6: Cost to income ratio at 48.0%

    Financial Highlights: Cost to income ratio at 48.0% Revenue & Profitability Operating Expenses  Continued investment in people & IT: RM mil OPEX CIR RM mil 13% of 3% of 36% of increase increase increase from from higher from IT agency fees, 45.9% 48.2% 48.0% expenses business 44.1% 44.1% 48% of (ma

  7. Slide 7: Net credit cost at 31.9bps; GIL ratio improved to 1.83%

    Financial Highlights: Net credit cost at 31.9bps; GIL ratio improved to 1.83% Effective Risk Management Net credit cost Gross Impaired Loans Basis points RM mil Total GIL GIL ratio (bps) COVID Management 2.34% 1.85% 2.51% 2.11% 1.83% overlays provided 63% secured, 121.4 balance well provisioned 1,23

  8. Slide 8: Total assets grew 10.7% - loans & treasury assets

    Financial Highlights: Total assets grew 10.7% - loans & treasury assets Balance Sheet Total Assets Assets Growth YoY RM bil RM bil +10.7% y-o-y 85.2 85.2 Y-o-Y 76.9 76.9 8.1 66.3 Other assets 7.8 60.7 61.8 15.7 +8.9% Treasury Assets 14.4 Net Loans* 61.4 +12.2% 54.7 FY21 FY22 FY23 FY24 FY25 Mar-24 Ma

  9. Slide 9: Deposits growth at 14.7%, CASA ratio at 41.0%

    Financial Highlights: Deposits growth at 14.7%, CASA ratio at 41.0% Balance Sheet Customer Deposits Deposits Growth YoY RM mil Customer deposits ABMB CASA ratio RM bil Industry CASA ratio 47.0% 48.9% 41.9% 41.6% 41.0% 32.1% 32.6% 30.6% 31.1% 31.3% Y-o-Y +14.7% 65.8 y-o-y 2.8 65.8 57.4 Other deposits

  10. Slide 10: Liquidity and capital positions remain strong

    Financial Highlights: Liquidity and capital positions remain strong Effective Risk Management Liquidity: LCR, LFR & NSFR Capital Position CET 1 Tier 1 Total Capital Earnings retention: +0.89% Business growth: -1.26% Liquidity 172% With Rights Issue, CET1 will Coverage 162% improve by approximately 1

  11. Slide 11: Net Profit at RM751 million, ROE of 10.3%

    Financial Highlights: Shareholder Value Net Profit at RM751 million, ROE of 10.3% Net Profit After Tax (NPAT) Return on Equity (ROE) RM mil % Return +8.7% y-o-y 751 690 10.5% 10.2% 10.3% 678 9.2% 573 5.9% 359 FY21 FY22 FY23 FY24 FY25 FY21 FY22 FY23 FY24 FY25 30-July-2025 43rd ABMB Annual General Mee

  12. Slide 12: Dividend payout at 40%, steady net assets growth

    Financial Highlights: Shareholder Value Dividend payout at 40%, steady net assets growth Dividend and Payout Ratio Net Assets per Share Total Shareholders Return RM RM % Total Dividend Paid mil Total Shareholders Total dividend: Return (TSR) 19.4sen Based on share 4-year CAGR: price of RM4.52 50% 50

  13. Slide 13: Contents

    Contents 1 FY2025 Financial Highlights  ACCELER8 2027: Year in Review  Revenue & Profitability  Effective Risk Management  Balance Sheet  Shareholder Value 2 FY2025 Achievements  ACCELER8 2027: Strategic Pillars  Sustainability  Awards 3 Going Forward  ACCELER8 2027: FY2026 Priorities  Key

  14. Slide 14: Recap: ACCELER8 2027

    FY2025 Achievements: Recap: ACCELER8 2027 ACCELER8 2027 Vision: The Preferred Banking Partner Mission: Building Alliances to Improve Lives 1 3 5 7 Broaden Growth opportunities Continue velocity consumer Become regional Accelerate Islamic on SME expansion business, targeting champion for selected bus

  15. Slide 15: Recap: We are at the mid point of our Acceler8 2027 transformation

    Recap: We are at the mid point of our FY2025 Achievements: ACCELER8 2027 Acceler8 2027 transformation Pre-Acceler8 Acceler8 2027 • Declining overall market share; • Successfully broadened & • Continue to scale prudently in line heavy reliance on SME for growth scaled our engines of with capital • In

  16. Slide 16: Post-Acceler8: A clear upward trend across many metrics

    Post-Acceler8: A clear upward trend across FY2025 Achievements: ACCELER8 2027 many metrics Before Acceler8 Acceler8 2027 FY18- FY22 FY23 FY24 FY25 Gross Loans 4-year CAGR: (YoY Growth %) 3.5% 6.2% 13.6% 12.0% Market Share 2.51% - 2.38% (%) 2.41% 2.58% 2.75% Revenue 4-year CAGR: 4.4% 2.8% 5.2% 12.3%

  17. Slide 17: Loans growth ahead of industry – regained market share

    Loans growth ahead of industry – regained FY2025 Achievements: Market Share market share Regained lost market share and Regained consumer market share continued to accelerate and continued to accelerate ABG loan market share (%) ABMB loan growth: 12% 2.75% 2.27% (2.3x faster than industry). 2.25% In

  18. Slide 18: ACCELER8 2027: FY25 Key Success Metrics (1/2)

    FY2025 Achievements: ACCELER8 2027: FY25 Key Success Metrics (1/2) ACCELER8 2027 1 3 Broaden consumer business, targeting Continue velocity on SME expansion strategy attractive segments SME* YoY Loan Growth Target: FY25 Consumer YoY Loan Growth Target: FY25 *Based on BNM SME Definition Group Loan Gr

  19. Slide 19: ACCELER8 2027: FY25 Key Success Metrics (2/2)

    FY2025 Achievements: ACCELER8 2027: FY25 Key Success Metrics (2/2) ACCELER8 2027 5 Become regional champion for selected 7 Accelerate Islamic business, leveraging unique economic corridors propositions Regional YoY Growth (Sarawak, Penang and Johor) AIS YoY Revenue Growth Total Regional Loan Total R

  20. Slide 20: Accelerated Progress towards Our Sustainability Goals

    Accelerated Progress towards Our Sustainability FY2025 Achievements: Sustainability Topline Goals 1 2 3 Grow our new Help customers adopt Reduce the Bank’s sustainable sustainable lifestyles greenhouse gas banking business and business practices (GHG) emissions footprint Achievement RM14.4 billion i

  21. Slide 21: Won 45 Awards including Best SME Bank in Malaysia

    Won 45 Awards including the distinguished title of FY2025 Achievements: Awards Best SME Bank in Malaysia for the second consecutive year SME Bank Digital ESG & Marketing & Innovations Islamic Banking Human Resource 30-July-2025 43rd ABMB Annual General Meeting 21

  22. Slide 22: Contents

    Contents 1 FY2025 Financial Highlights  ACCELER8 2027: Year in Review  Revenue & Profitability  Effective Risk Management  Balance Sheet  Shareholder Value 2 FY2025 Achievements  ACCELER8 2027: Strategic Pillars  Sustainability  Awards 3 Going Forward  ACCELER8 2027: FY2026 Priorities  Key

  23. Slide 23: FY26 Strategic Themes

    Going Forward: FY26 Strategic Themes ACCELER8 2027: FY2026 Priorities 1 Continue 2 Strengthen Foundations Acceler8 Momentum as the Bank scales To continue driving Acceler8 2027 Focus on key foundational areas to priorities across 8 growth pillars with support further scaling of growth key transforma

  24. Slide 24: Next generation branches: upgrading the customer experience

    Going Forward: Key Updates Next generation branches: upgrading the customer experience Opening new branch at Desa Opening new branch at Relocation of Alor Setar ParkCity, Kuala Lumpur Saradise, Kuching Branch, Kedah from 28 August 2023 from 15 January 2024 from 15 July 2024 30-July-2025 43rd ABMB An

  25. Slide 25: Next generation branches: upgrading the customer experience

    Going Forward: Key Updates Next generation branches: upgrading the customer experience Opening of New Alliance Bank Branch at Jalan Kelawai, George Town, Pulau Pinang from 1 July 2025 30-July-2025 43rd ABMB Annual General Meeting 25

  26. Slide 26: Menara Alliance Bank – Our New Home

    Going Forward: Menara Alliance Bank – Our New Home Key Updates • Menara Alliance Bank: ⁻ 24 floors of office space ⁻ Retail branch in 2-storey retail podium • Why relocate?: - Certainty and continuity of having head office presence (after renting >30 years at CapSquare) - Commitment to Sustainabilit

  27. Slide 27: Outlook & Concluding Remarks

    Going Forward: Outlook & Concluding Remarks Concluding Remarks  Cautiously optimistic outlook: With external uncertainties, we will need to be vigilant and stay nimble to contain risks while capitalizing on the opportunities.  Rights issue provided ability to grow quality assets that will be accre

  28. Slide 28: Thank You

    THANK YOU Disclaimer: This presentation has been prepared by Alliance Bank Malaysia Berhad (the “Company”) for information purposes only and does not purport to contain all the information that may be required to evaluate the Company or its financial position. No representation or warranty, expresse

  29. Slide 29: Alliance Bank

    A ALLIANCE BANK THE BANK FOR LIFE”

Alliance Bank Malaysia Berhad — Shareholder Meeting (July 2025) on 6ix