Ammb Holdings Bhd. · MYX:AMBANK

Ammb Holdings Bhd — 9MFY2026 Earnings Presentation

38 slides from Ammb Holdings Bhd's earnings presentation, Feb 25, 2026

  1. Slide 1: 9MFY2026 Results Investor Presentation

    9MFY2026 RESULTS (31 December 2025) INVESTOR PRESENTATION 25 FEBRUARY 2026

  2. Slide 2: GCEO Presentation

    GCEO PRESENTATION Jamie Ling 3 9MFY26 Financial Snapshot 4 Loans by Stages 5 Outlook for CY2026

  3. Slide 3: 9MFY26 Financial snapshot

    Financial Snapshot 9MFY26 Financial snapshot Strong performance delivering 6% growth in PATMI to RM1.58bil; ROE at 10.1%; 9MFY26 Financials Variance ROA at 1.06% • NII grew 4% led by NIM expansion of 4bps to 1.98% (9MFY25: 1.94%) on lower COF 3,862 Income  6% • NoII grew 10% driven by higher tradin

  4. Slide 4: Portfolio quality

    Loans Portfolio quality Loans by ECL Stages (RM’ bil) Breakdown by Business Segments (%) Stage 1 Stage 1 Stage 2 WB 92.1% 93.0% 140.5 142.7 137.1 138.9 138.2 91.3% 132.7 134.5 RB 1.8% 1.8% 1.7% 1.5% 1.7% 7.4% 1.7% 1.7% 7.8% 7.6% 7.4% BB 89.6% 8.2% 8.7% 90.0% 8.2% 87.8% Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1

  5. Slide 5: Outlook for CY2026

    Market Outlook Outlook for CY2026 GDP Growth 4.2% to 4.7% Inflation 1.5% to 2.0% Malaysia Unemployment Rate 3.0% USD/MYR Outlook RM3.94 to RM4.03 Loans Growth 4.5% to 5.5% Banking Asset Quality Stable Sector OPR 2.75% Liquidity & Capital Positions Resilient CY = Calendar Year 55 9MFY26 Results – Inv

  6. Slide 6: GCFO Presentation

    GCFO PRESENTATION Phuah Shok Cheng 7-21 Financial Overview

  7. Slide 7: NII +2% QoQ on loans growth; Q3 NIM at 1.96%

    Financial Overview (QoQ) NII +2% QoQ on loans growth; Q3 NIM at 1.96%; lower net impairment charge 1 Q3FY26 Results (QoQ) • Income resilient at RM1,280mil (Q2FY26: RM1,292mil) - NII grew 2% to RM942mil (Q2FY26: RM926mil) driven by higher loans growth; NIM at 1.96% (Q2FY26: 1.97%) - NoII of RM338mil

  8. Slide 8: 9MFY26 Performance Summary – Delivered RM1.58b PATMI

    Financial Overview (Reported) 9MFY26 Performance Summary – Delivered RM1.58b PATMI, ROE 10.1% and ROA 1.06% P&L (RM’ mil) Q2FY26 Q3FY26 QoQ Change 9MFY25 9MFY26 YoY Change Total Income 1,292 1,280  (1%) 3,648 3,862  6% - NII 926 942  2% 2,675 2,792  4% - NOII 366 338  (8%) 973 1,070  10% Expen

  9. Slide 9: 9MFY26 Performance Summary – Highly liquid and well capitalised

    Financial Overview (Reported) 9MFY26 Performance Summary – Highly liquid and well capitalised Balance Sheet (RM’ bil) Q2FY26 Q3FY26 QoQ Change FY25 9MFY26 YTD Change Gross Loans 140.5 142.7  2% 138.9 142.7  3% GIL 1.75% 1.76%  0.01% 1.54% 1.76%  0.22% LLC (include Reg Reserves) 100.4% 100.3%  (

  10. Slide 10: P&L walk – PATMI +6% YoY

    Group P&L P&L walk – PATMI +6% YoY on NII growth and GTM trading gains YoY Growth  4%  10%  6%  6%  6%  15%  6%  4%  6% 97 117 118 1,580 1,487 (91) (14) (16) 9MFY25 NII NoII Total Expenses PBP Impairment PBT Tax & 9MFY26 Income Zakat 9MFY26 2,792 1,070 3,862 (1,713) 2,149 (109) 2,040 (460)

  11. Slide 11: NIM up 4 bps YoY from active liability management

    NIM NIM up 4 bps YoY from active liability management and lower funding cost YTD Net Interest Margin (NIM) & Cost of Funds (COF) Trend NIM Movement (YoY)  0.04% COF NIM 1.94% 0.09% 1.98% 3.24% 3.14% 3.15% -0.04% (0.04%) -0.01% (0.01%) 2.98% 1.94% 1.98% 1.79% 1.94% 9MFY25 Liability OPR impact 1 Othe

  12. Slide 12: Income growth of 6% supported by NII and NoII

    Income Income growth of 6% supported by 4% growth in NII and 10% growth in NoII Business Segments Q2FY26 Q3FY26 QoQ Change 9MFY25 9MFY26 YoY Change (RM’ mil) Wholesale Banking 416 356  (14%) 908 1,185  31% Investment Banking, Funds Mgt & 84 90  7% 295 260  (12%) Private Banking Retail Banking 35

  13. Slide 13: Higher GTM trading gains offset lower fee income

    NoII Higher GTM trading gains offset lower fee income from IB, RB and BB Composition 5% 23% 27% 4% 10% 14% 7% 8% 2% 100% YoY Growth  (7%)  >100%  (3%)  (18%)  (1%)  (1%)  (26%)  41%  (17%)  10% 126 25 1,070 973 (8) (9) (10) (1) (1) (27) (4) (9) (26) (4) Group Wealth Management:  (1%) 9MFY

  14. Slide 14: YoY CTI stable at 44.3%

    Expenses YoY CTI stable at 44.3%; continuous investment in people and technology Business Segments Q2FY26 Q3FY26 QoQ Change 9MFY25 9MFY26 YoY Change (RM’ mil) Wholesale Banking 96 98  1% 267 286  7% Investment Banking, Funds Mgt & 64 67  4% 181 191  6% Private Banking Retail Banking 262 253  (3

  15. Slide 15: PBP and PATMI grew 6% YoY

    PBP & PATMI PBP and PATMI grew 6% YoY Business Segments Q2FY26 Q3FY26 QoQ Change 9MFY25 9MFY26 YoY Change (RM’ mil) Wholesale Banking 319 258  (19%) 640 899  40% Investment Banking, Funds Mgt & 21 24  15% 113 68  (40%) Private Banking Retail Banking 90 131  46% 355 303  (15%) Business Banking

  16. Slide 16: Lending growth driven by corporate loans in BB and WB

    Loans Lending growth driven by corporate loans in BB and WB, with RB lending flat Gross Loans Movement (RM’ bil) Breakdown by rate sensitivity: Breakdown by concept: Breakdown by customer type: Fixed rate – 17% Islamic – 35% Retail – 47% Variable rate –83% Conventional – 65% Non-retail – 53% Composi

  17. Slide 17: Net credit cost 0.29%, with RM51m retail debt sale

    Asset Quality Net credit cost 0.29%, with RM51m retail debt sale boosting recoveries Net Impairment (YoY Movement) (RM’mil) 6.9 33.2 * 109.1 95.1 32.5 33.8 (14.6) (77.8) 36.1 (50.7) Recoveries RB Debt Sale 9MFY25 ECL ECL Stage 3 Forward Overlay Recoveries C&C / 9MFY26 Stage 1 & 2 & Looking Others In

  18. Slide 18: 2% QoQ rise in impaired loans

    Asset Quality 2% QoQ rise in impaired loans, vigilant monitoring of sector exposures continues Impaired Loans by Sector Collateralisation of Portfolios (Dec’25) Mar’25 Sep’25 Dec’25 YTD QoQ Sector Composition RM’ mil RM’ mil RM’ mil Movement Movement Performing loans – 98.24% Agriculture 13 8 91 4%

  19. Slide 19: Active liability management driving lower cost of funds

    Deposits Active liability management driving lower cost of funds Deposits (RM’ bil) CASA (RM’ bil) and CASA Composition (%) Customer Deposits Trend YTD Growth Industry CASA Trend YTD Growth Industry 9MFY26 143.7  2%  4%1 9MFY26 48.2  (5%)  7%1 FY25 141.5  (1%)  3%2 FY25 51.0  (3%)  3%2 FY24

  20. Slide 20: Solid capital position

    Capital Solid capital position RWA/Total Assets1 Capital Adequacy Ratios1,3 Total Assets RWA/Total Assets Peers 2 CET 1 / Tier 1 TCR 62.7% 63.3% 58.0% 59.5% 54.9% 55.3% 55.3% 55.5% 17.92% 17.49% 17.17% RM’ bil 16.30% 197.4 196.8 199.0 202.2 15.15% 14.82% 14.57% 13.04% FY23 FY24 FY25 9MFY26 FY24 FY24

  21. Slide 21: 9MFY26 Summary

    Summary 9MFY26 Summary FINANCIAL PERFORMANCE CREDIT PROFILE • Strong PATMI growth driven by income growth • Normalised Net Credit Cost at 24bps* • NIM expanded 4bps YoY to 1.98% • RM484 mil overlays retained • 10.1% ROE and ROA of 1.06% • Recoveries from RB debt sale of RM51m *Excluding SME overlay

  22. Slide 22: Thank You

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

  23. Slide 23: Yearly Financial Highlights

    9MFY26 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  6.3% YoY Growth  0.2% YoY Growth  5.9% PATMI ROE Total Income Non-Interest Income % 9.8% 10.0% 10.0% 9.9% 10.1% 29% 28

  24. Slide 24: Impairment (charge) / Recoveries

    Asset Quality Impairment (charge) / Recoveries Net (Impairments) / Recoveries and GIL Ratio Total impairments by category (RM’ mil) Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q3FY26 QoQ Change 9MFY25 9MFY26 YoY Change ECL Stage 1 & 2 – Non defaulted (charge) / reversal (33) 15 (3) 23 (8) (23) 4  >10

  25. Slide 25: Divisional Performance

    Divisional Performance PRINCIPLED 2 PROACTIVE APPRECIATIVE COLLABORATIVE EXPERIMENTAL

  26. Slide 26: Wholesale Banking

    Wholesale Banking Wholesale Banking Total Income (YoY Movement) and Assets by Line of Business PAT Trend (RM’ mil) QoQ Growth:  (48%) YoY Growth:  39% Total Income  31% FY25: 843 9MFY26: 837 RM1,185 mil  3% 373 Transaction Banking 262 271 241 14% 194 163 177 TB GTM: 4% CB: Loans & Corporate AC o

  27. Slide 27: Wholesale Banking

    Wholesale Banking Wholesale Banking Income Statement YoY Growth  21% 30% >100% 69%  31% 54% 8%  7%  75% 40%  36% 15%  40% 67%  71%  41% 66%  39% 51 50 122 837 156 (18) (19) (74) 602 Net Interest Non-Interest Impairment RM' mil Total Income Expenses PBP PBT Tax & Zakat PAT Income Inco

  28. Slide 28: Investment Banking, Funds Management & Private Banking

    Investment Banking, Funds Management & Private Banking Investment Banking, Funds Management & Private Banking League Table PAT Trend (RM’ mil) Market Share1 As At Rank2 QoQ Growth:  28% 31 December 2025 YoY Growth:  (43%) DCM 10.1% 4 (Overall MYR Bonds) FY25: 118 9MFY26: 55 Islamic Sukuk 7.9% 4

  29. Slide 29: Investment Banking, Funds Management & Private Banking

    Investment Banking, Funds Management & Private Banking Investment Banking, Funds Management & Private Banking Income Statement YoY Growth  (18%)  (11%)  (12%)  6%  (40%)  (90%)  (43%)  (45%)  (43%) 96 (8) 12 55 (27) (28) (10) (8) Net Interest Non-Interest Impairment RM' mil Total Income Exp

  30. Slide 30: Retail Banking

    Retail Banking Retail Banking Total Income (YoY Movement) and Loans by Line of Business PAT Trend (RM’ mil) Total Income  (1%) QoQ Growth :  >100% RM 1,075 mil YoY Growth :  (14%)  (50%) ≈  (9%) Others FY25: 165 9MFY26: 150 Wealth 1% Mortgage 10% 13% 106 Cards & Secured  29% UnsecuredPersonal

  31. Slide 31: Retail Banking

    Retail Banking Retail Banking Wealth Sales (RM’ mil) Retail Wealth – Average AUM (RM’ mil) QoQ Growth:  (5%) QoQ Growth:  4% YoY Growth:  1% YoY Growth:  17% FY25: 9,739 9MFY26: 8,031 5,774 3,222 5,432 5,547 2,986 4,938 5,038 2,845 4,777 2,635 4,525 2,201 2,065 1,817 Q1FY25 Q2FY25 Q3FY25 Q4FY25

  32. Slide 32: Retail Banking

    Retail Banking Retail Banking Income Statement YoY Growth (3%)  ≈ (27%)  (6%) (7%)  (1%) 5%  5%  (31%) (15%)  (16%) 15%  (14%) (75%)  (77%)  (14%)  (14%) 174 (4) 20 8 150 (10) (39) (38) Net Interest Non-Interest RM' mil Total Income Expenses PBP Impairment PBT Tax & Zakat PAT Income

  33. Slide 33: Business Banking

    Business Banking Business Banking Total Income (YoY Movement) and Assets by Line of Business PAT Trend (RM’ mil) QoQ Growth:  >100% Total Income YoY Growth :  (20%)  (3%) RM1,301 mil  3% Commercial FY25: 841 9MFY26: 487 Banking 68% 236 232 Commercial 224 Banking 82% 197 197 Total Assets Others R

  34. Slide 34: Business Banking

    Business Banking Business Banking Income Statement YoY Growth  (2%)  (3%)  (3%)  12%  (9%)  64%  (20%)  (19%)  (20%) 609 (26) (8) 37 487 (50) (76) Net Interest Non-Interest RM' mil Total Income Expenses PBP Impairment PBT Tax & Zakat PAT Income Income 9MFY26 1,013 287 1,301 (467) 834 (194)

  35. Slide 35: Group Wealth Management

    Group Wealth Management Group Wealth Management1 Income Statement YoY Growth  (14%)  (1%)  (1%)≈  5%  (11%) (>100%)  (11%)  (9%)  (12%) 78 (1) (1) 2 69 (2) (8) (0) Net Interest Non-Interest Impairment (charge)/ RM' mil Total Income Expenses PBP PBT Tax & Zakat PAT Income Income write-back 9

  36. Slide 36: AmBank (M)

    AmBank (M) entity level AmBank (M) Income Statement YoY Growth  4% 6%  14% 26%  11% 7% 8%  6%  13% 7%  >100%  >100%   (1%) 7%  7%≈  (1%) 76 79 937 (59) 1 927 (107) Net Interest Non-Interest RM' mil Total Income Expenses PBP Impairment PBT Tax PAT Income Income 9MFY26 1,866 635 2,501 (

  37. Slide 37: AmBank Islamic

    AmBank Islamic entity level AmBank Islamic Income Statement YoY Growth  11% 5%  54% 26% 15% 8%  9% 8%  19% 7% >100% >100%  25%  (2%)   (3%) 27%  25% 98 524 47 25 (35) 420 (30) Net Financing Non-Financing Impairment (charge)/ RM' mil Total Income Expenses PBP PBT Tax & Zakat PATZ Incom

  38. Slide 38: 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 Q3FY26 vs Q2FY26 YoY gr

AMMB Holdings Berhad — 9MFY2026 Earnings Presentation on 6ix