Rhb Bank Bhd. · MYX:RHBBANK
Rhb Bank Bhd — H1 2026 Earnings Presentation
36 slides from Rhb Bank Bhd's earnings presentation, Aug 28, 2026
Slide 1: Analyst Presentation H1 2026 Financial Results
Analyst Presentation H1 2026 Financial Results Dato’ Mohd Rashid Mohamad Group Managing Director and Group Chief Executive Officer 28th August 2026 1
Slide 2: Executive Summary H1 2026 Financial Results Summary
1. Executive Summary 2. H1 2026 Financial Results 3. Summary
Slide 3: Executive Summary
Executive Summary
Slide 4: H1 2026: Financial Highlights
4 H1 2026: Financial Highlights 4 Total Income NIM with LMN1 PROFITABILITY ▲ 3.7%* ▼ 1.86% Total income improved 3.7% to RM4.4 bil (H1’26) from RM4.2 bil (H1’25) driven by growth in net H1’26: RM4.4 bil FY’25: 1.88% fund based income of 5.3% whilst non-fund based income steady at RM1.2 bil Cost-to-I
Slide 5: Consistent Interim Dividend of 15 Sen Per Share
5 Consistent Interim Dividend of 15 Sen Per Share 5 Dividend Outlook • Maintained a consistent Dividend Payout Ratio (cash) 50% 48% 60% 65% 60.0% interim cash dividend 40.0% 20.0% payout of 15 sen per share. 0.0% 50 -20.0% 60.0%-40.0% Dividend per share (sen) 43 -60.0% • Enhanced dividend payout 40
Slide 6: PROGRESS27 Key Impact and Deliverables
PROGRESS27 Key Impact and Deliverables 6 6 PROGRESS27 H1 2026 Highlights Key Strategic Objectives 75% CSAT Score for 95% of customer #2 NPS Rank transactions made via (NPS: Net Promoter Score) Mobile Banking Best in Service FY2025 (CSAT: Customer Satisfaction) Digital Channels FY2025 H1 2026 28.3% D
Slide 7: Sustainability Strategy and Roadmap: Key Highlights for H1 2026
Sustainability Strategy and Roadmap: Key Highlights for H1 2026 7 Cumulatively mobilised approximately RM71 billion in SFS (79% against RM90 bil target by 2027) MOBILISE RM90 BILLION Cumulative • Green activities: RM38 billion (54%) in Sustainable Financial Achievements • Social activities: RM13 bil
Slide 8: Guidance versus actual performance H1 2026
H1’26: The Group is delivering results on certain metrics, with another 6 more months to make up 8 ground on areas needing improvement Key Guidance Actual Performance Metrics FY2026 H1 2026 Status Loans Growth (YTD Annualised) 5% - 6% 6.1% Exceeded guidance Cost Growth < 4% 2.6% Exceeded guidance Co
Slide 9: RHB Pay: Malaysia's First Bank-Owned Unified Payment Gateway
RHB Pay: Malaysia’s First Bank-Owned Unified Payment Gateway 9 9
Slide 10: RHB Pay: The Operating Layer for Merchant Payments
RHB Pay: The Operating Layer for Merchant Payments 10 10 Key Targets End of Year 1 RM0.5 bil CASA uplift Additional RM8.3 bil In FPX Transaction Value
Slide 11: H1 2026 Financial Results
H1 2026 Financial Results
Slide 12: H1'26 profits rose 7.1% YoY on higher total income, cost discipline and lower ECL
H1’26 profits rose 7.1% YoY on higher total income, cost discipline and lower ECL 12 1.6% 3.7% Q2’26 vs Q1’26 (QoQ) H1’26 vs H1’25 (YoY) 2,196 2,161 4,203 4,357 • Total income contracted slightly by 1.6% due to • Total income grew 3.7% mainly from higher net challenging market environment which limi
Slide 13: Total assets growth attributable to the increase in loans and marketable securities
Total assets growth attributable to the increase in loans and marketable securities 13 Financial Position Asset Quality Total Gross Securities Stage 2 Loans Group GIL Domestic GIL Assets Loans Portfolio Ratio 11.8%* 6.1%* 15.2%* 0.22% 7.1% 8.6% 358 365 379 254 258 97 3.5 3.7 3.8 2.6 2.8 2.8 251 90 9
Slide 14: Earnings grew 7.1% YoY supported by higher total income and reduced ECL
Earnings grew 7.1% YoY supported by higher total income, tighter cost control and reduced ECL 14 14 Q1 Q2 Q1 Q2 H1 H1 RM mil QoQ % YoY % YoY % 2025 2025 2026 2026 2025 2026 Net fund based income 1,487 1,492 1,556 1,581 25 1.6% 89 6.0% 2,978 3,137 159 5.3% Non-fund based income 561 663 640 580 -60 9.
Slide 15: YTD NIM expanded 2 bps, FX swap lifted NIM by 4 bps to 1.86%
YTD NIM expanded 2 bps, FX swap lifted NIM by 4 bps to 1.86% 15 15 Net Fund Based Income Net Interest Margin (NIM) YTD: 2 bps QoQ -4bps Group NIM QoQ: 1.6% YoY: 5.3% 1.80% 1.82% • Domestic NIM contraction offset YoY: 6.0% 1.84% 1.81% 1.77% 1.82% 1.86% 1.82% by the sustained improvement in FY2025 H1
Slide 16: Stronger fee income growth mitigated lower trading gains
Stronger fee income growth mitigated lower trading gains 16 Fee Income Treasury Income Net Income from Others Non-Fund Based Income Insurance Business QoQ: 12.1% QoQ: 12.5% QoQ: >100% QoQ: >100% QoQ: 9.4% YoY: 20.4% YoY: 36.4% YoY: 9.7% YoY: 41.2% YoY: 0.4% YoY: 12.6% 377 331 355 11 10 22 275 258 22
Slide 17: Cost growth effectively contained through cost optimisation initiatives
Cost growth effectively contained through sustained progress in cost optimisation initiatives 17 17 Cost & CIR Cost Optimisation 5-Year Trend Initiative 47.1% 46.2% 47.3% 47.3% 46.8% 47.5% 47.3% 46.7% 46.8% CIR N1 300 - 350 44.2% 9.0% QoQ: 0.7% YoY: 2.6% N1 288 YoY: 0.7% 1,986 2,037 3.3% 2.6% YoY co
Slide 18: Loans growth sustained momentum at 6.1%, slightly ahead of guidance
Loans growth sustained momentum at 6.1% slightly ahead of the 5-6% guidance 18 18 Gross Loans Jun Dec Mar Jun YTD RM bil QoQ YTD YoY 2025 2025 2026 2026 Annualised GROUP COMMUNITY BANKING 125.9 130.4 131.9 133.9 1.5% 2.7% 5.4% 6.3% Mortgage 91.9 95.6 96.8 98.3 1.5% 2.8% 5.7% 7.0% Commercial Property
Slide 19: June's CASA composition shrank due to cyclical outflows from Corporate depositors
June’s CASA composition shrank due to cyclical outflows from Corporate depositors while 19 fixed/investment deposits expanded to fund the growth in loans and marketable securities 19 Customer Deposits CASA by Segment Jun Dec Mar Jun YTD QoQ: 3.8% RM bil QoQ YTD YoY 2025 2025 2026 2026 Annualised YTD
Slide 20: Group GIL held steady with Domestic GIL improving QoQ
Group GIL held steady with Domestic GIL improving QoQ 20 Gross Impaired Loans (Group) Gross Impaired Loans (Domestic) 4.95% 4.91% 4.82% 4.67% 4.60% 5.10% 5.16% 4.98% 4.87% 4.84% GIL Ratio movement: Industry 8,000 2.20% 7,500 GIL Ratio movement: 20,000 2.20% YTD: 6 bps YTD: 6 bps 18,000 1.51% 1.50% Q
Slide 21: Upside in domestic asset quality driven by recovery from a Commercial borrower
Upside in domestic asset quality driven by recovery from a Commercial borrower 21 Mortgage Unsecured Auto Finance 3.60% 3.68% 3.67% 3.82% 3.88% 6.24% 6.68% 7.07% 7.02% 7.03% 5.00% 4.97% 4.71% 5.08% 5.22% 1.03% 1.02% 0.99% 1.05% 1.09% 1.30% 1.32% 1.29% 1.32% 1.36% 120 0.41% 0.43% 0.44% 0.44% 0.47% Gr
Slide 22: Earnings remained resilient across key segments
Earnings remained resilient across key segments notwithstanding moderated contributions from 22 Group Corporate & Business Banking and Group Insurance 22 8.6% 1.6% 10.3% 7.8% 49.0% 1,447 1,572 1,331 1,310 1,087 1,200 508 548 46 Net Income 24 Group Community Group Corporate & Group Wholesale Group In
Slide 23: Capital position remained robust for the Group and key banking subsidiaries
Capital position remained robust for the Group and key banking subsidiaries 23 23 RHB Bank Group RHB Bank 20. 0% 20. 0% 19. 0% 18. 0% 18. 0% 17. 0% 16. 0% 17.6% 17.1% 16. 0% 15. 0% 14. 0% 14. 0% 16.6% 16.4% 13. 0% 12. 0% 11. 0% 10. 0% 15.2% 14.8% 15.2% 14.8% 12. 0% 10. 0% 13.9% 13.8% 13.9% 13.8% 9.0
Slide 24: Summary
Summary
Slide 25: Concluding Remarks
Concluding Remarks 25 H1’26 Key Financial Indicators • Interim dividend of 15 sen per share was maintained in line with prior years; second interim dividend will take into account the Group’s performance for the full financial year • Profits rose 7.1% YoY on higher total income, cost discipline and
Slide 26: THANK YOU
THANK YOU www.rhbgroup.com INVESTOR RELATIONS CONTACT Email: investor.relations@rhbgroup.com This material is prepared for general circulation. Any recommendation or view contained in this document does not have regard to the specific investment objectives, financial situation and the particular nee
Slide 27: Appendix
Appendix
Slide 28: Key Financial Data
Key Financial Data 28 28 Financial Data FY2022 FY2023 FY2024 FY2025 H1 2026 RM mil Income Statement Total Income 8,160 7,770 8,605 8,774 4,357 Operating Profit Before Allowances 4,554 4,081 4,583 4,620 2,319 Profit Before Tax 4,133 3,753 4,020 4,378 2,125 Net Profit 2,678 2,806 3,120 3,363 1,664 Fin
Slide 29: Key Financial Ratios
Key Financial Ratios 29 29 Financial Ratios FY2022 FY2023 FY2024 FY2025 H1 2026 Profitability Return on Equity 9.6% 9.5% 10.0% 10.5% 10% Net Interest Margin 2.24% 1.82% 1.86% 1.80% 1.82% Net Interest Margin with Liability Management Cost to Income Ratio 44.2% 47.5% 46.7% 47.3% 46.8% Asset Quality Gr
Slide 30: Retail Banking
Retail Banking 30 30 RM bil Gross Loans RM bil Deposits 6.3% 93 93 140 120 100 23 24 80 CASA 60 126 134 40 70 70 Fixed Deposit 20 - Jun 2025 Jun 2026 Jun 2025 Jun 2026 • Numbers may not sum up due to rounding Retail Market Share * Asset Quality RM mil 9.8% 9.9% 9.9% 9.8% 0.96% 0.96% 0.93% 0.98% 1.01
Slide 31: SME
SME 31 31 Gross Loans Deposits (Based on internal SME business pillar) (Based on internal SME business pillar) RM bil RM bil 35.0 5.7% 30.0 37 39 25.0 20.0 20 21 CASA 28 28 15.0 Fixed Deposit 10.0 5.0 17 18 - Jun 2025 Jun 2026 Jun 2025 Jun 2026 SME Market Share Asset Quality % of loans (BNM’s SME de
Slide 32: Asset Under Management and Market Positions
Asset Under Management and Market Positions 32 32 Asset Under Management (AUM)* Investment Banking League Table YTD June 2026 Market Share Ranking 6.2% RM bil Equities Broking: 56 52 - By value 6.1% 7th - By volume 8.2% 5th 9 1 Debt Capital Markets: - MYR sukuk 11.8% 3rd Singapore - MYR bonds (Conve
Slide 33: Investment Banking – Notable Deals
Investment Banking – Notable Deals 33 33 CF/ECM DCM M&A/Leveraged Financing Sunsuria Berhad Pelabuhan Tanjung Pelepas Sdn Bhd I-Sprint Group RM408.5 mil Acquisition of an Issuance of RM500.0 mil under its RM90.0 mil Acquisition financing of I-Sprint additional 41.0% equity interest in RM3.5 bil Suku
Slide 34: Islamic Banking
Islamic Banking 34 34 PBT Gross Financing RM mil RM bil 45.1% 10.4% 100 80 104 60 40 94 622 20 - 429 Jun 2025 Jun 2026 H1 2025 H1 2026 Market Share 9.5% 9.7% Gross Financing/ Asset Quality Total Gross Financing (Domestic) RM mil 1.06% 1.10% 1.11% 1.19% 1.12% 46.4% 47.1% 47.1% 45.4% 45.6% 1,003 1,063
Slide 35: RHB Bank Singapore
RHB Bank Singapore 35 35 PBT Gross Loans & Deposits SGD mil SGD bil 80 39.3% 18.6% 14.5% 70 60 50 Jun 2025 70 11 10 11 40 9 Jun 2026 30 50 20 H1 2025 H1 2026 Gross Loans Deposits Gross Impaired Loans Ratio Credit Charge Ratio -0.09% -0.08% -0.25% -0.09% -0.34% 0.70% 0.59% 0.46% 0.42% 0.41% Jun 2025
Slide 36: Overseas Loans
Overseas Loans 36 36 Jun Dec Mar Jun YTD RM bil QoQ YTD YoY 2025 2025 2026 2026 Annualised Overseas Operations 33.7 34.5 35.8 37.2 4.2% 7.6% 15.2% 10.4% Singapore 29.3 30.7 31.8 33.2 4.2% 8.2% 16.4% 13.2% Others 4.4 3.8 4.0 4.0 3.9% 2.9% 5.7% -8.6% of which: Cambodia 2.9 2.6 2.6 2.6 2.2% 1.0% 2.1% -