Ammb Holdings Bhd. · MYX:AMBANK
Ammb Holdings Bhd — FY2026 Earnings Presentation
38 slides from Ammb Holdings Bhd's earnings presentation, May 28, 2026
Slide 1: FY2026 Results Investor Presentation
FY2026 RESULTS (31 March 2026) INVESTOR PRESENTATION 28 MAY 2026
Slide 2: GCEO Presentation
GCEO PRESENTATION Jamie Ling 3 FY26 Financial Snapshot 4 Loans by Stages 5 Outlook for CY2026 21 FY26 Closing Remarks
Slide 3: FY26 Financial snapshot
Financial Snapshot FY26 Financial snapshot FY26 Financials Variance Record PATMI of RM2.1 bil, 16% increase in dividend • NII grew 4% led by loan growth and NIM expansion to 1.98% (FY25: 1.94%) 5,158 Income 5% • NoII grew 5% driven by higher trading gains from securities and GWM income, offset FY2
Slide 4: Portfolio quality
Loans Portfolio quality Loans by ECL Stages (RM’ bil) Breakdown by Business Segments (%) Stage 1 146.7 138.9 138.2 140.5 142.7 93.3% 134.5 137.1 1.7%* WB 92.8% 132.7 1.8% 1.8% 7.1% 1.7% 1.5% 1.7% 7.4% 1.7% 1.7% 7.8% 7.6% 7.4% RB 8.2% 8.7% 8.2% BB 90.4% 92.0% 90.1% 90.0% 90.8% 90.8% 91.2% Q1FY25 Q2FY
Slide 5: Outlook for CY2026 Malaysia Banking
Market Outlook Outlook for CY2026 GDP Growth 4.0% to 4.5% Inflation 1.8% to 2.3% Malaysia Unemployment Rate 3.0% USD/MYR Outlook RM4.00 to RM4.10 Loans Growth 4.0% to 5.0% Banking Asset Quality Stable Sector OPR 2.75% Liquidity & Capital Positions Resilient CY = Calendar Year 55 FY26 Results – Inves
Slide 6: GCFO Presentation
GCFO PRESENTATION Phuah Shok Cheng 7-20 Financial Overview
Slide 7: Q4FY26 Income resilient, PATMI RM520m, DPS of 22.5 sen declared
Financial Overview (QoQ) Q4FY26 Income resilient, PATMI RM520m, DPS of 22.5 sen declared 1 Q4FY26 Results (QoQ) • Income of RM1,296mil (Q3FY26: RM1,280mil), up 1% QoQ - NII of RM937mil (Q3FY26: RM942mil); 1bps NIM improvement to 1.97% (Q3FY26: 1.96%) - NoII grew 6% to RM359mil (Q3FY26: RM338mil) mai
Slide 8: FY26 Performance Summary – Income up 5%, PATMI up 5%, ROE 10.0%
Financial Overview (Reported) FY26 Performance Summary – Income up 5%, PATMI up 5%, ROE 10.0% P&L (RM’ mil) Q3FY26 Q4FY26 QoQ Change FY25 FY26 YoY Change Total Income 1,280 1,296 1% 4,929 5,158 5% - NII 942 937 ≈ 3,570 3,730 4% - NOII 338 359 6% 1,359 1,429 5% Expenses (581) (591) 2% (
Slide 9: FY26 Performance Summary – Good loans growth of 6%
Financial Overview (Reported) FY26 Performance Summary – Good loans growth of 6%, strong capital and liquidity position Balance Sheet (RM’ bil) Q3FY26 Q4FY26 QoQ Change FY25 FY26 YoY Change Gross Loans 142.7 146.7 3% 138.9 146.7 6% GIL 1.76% 1.59% (0.17%) 1.54% 1.59% 0.05% LLC (include Reg R
Slide 10: P&L walk – PATMI +5% YoY on NII growth and GTM trading gains
Group P&L P&L walk – PATMI +5% YoY on NII growth and GTM trading gains YoY Growth 4% 5% 5% 5% 5% (7%) 5% 6% 5% 160 70 69 10 2,101 2,001 (106) (34) FY25 NII NoII Total Expenses PBP Impairment PBT Tax & FY26 Income Zakat FY26 3,730 1,429 5,158 (2,304) 2,855 (134) 2,721 (620) 2,101 FY
Slide 11: NIM expansion from active liability management
NIM NIM expansion from active liability management YoY Net Interest Margin (NIM) & Cost of Funds (COF) Trend NIM Movement (YoY) 0.04% COF NIM 1.94% 0.08% 1.98% 3.24% 3.14% -0.05% (0.04%) 2.96% 1.94% 1.98% 1.79% 1 FY25 Liability OPR impact FY26 management FY24 FY25 FY26 Positive growth in FY26 Cont
Slide 12: Income grew 5% on NII and NoII growth
Income Income grew 5% on the back of NII and NoII growth; WB +21% mainly from GTM trading gains Business Segments Q3FY26 Q4FY26 QoQ Change FY25 FY26 YoY Change (RM’ mil) Wholesale Banking 356 379 6% 1,295 1,564 21% Business Banking 433 437 1% 1,779 1,738 (2%) Retail Banking 384 363 (6%) 1,
Slide 13: Higher GTM trading gains and GWM income
NoII Higher GTM trading gains and GWM income Composition 5% 22% 26% 4% 11% 14% 9% 7% 2% 100% YoY Growth (2%) 38% (3%) (5%) 9% 1% (8%) ≈ (2%) 5% 85 12 1 01 1,429 1,359 (12) (4) (11) (1) (2) (1) Group Wealth Management: 4% FY25 Corporate & GTM Business Cards & Wealth Funds Mgt & I
Slide 14: CTI broadly unchanged YoY
Expenses CTI broadly unchanged YoY Business Segments Q3FY26 Q4FY26 QoQ Change FY25 FY26 YoY Change (RM’ mil) Wholesale Banking 98 102 5% 362 388 7% Business Banking 159 162 2% 566 629 11% Retail Banking 253 265 5% 981 1,037 6% Investment Banking, Funds Mgt & 67 61 (8%) 249 252 1% Pri
Slide 15: Consistent quarterly PBP and PATMI formation
PBP & PATMI Consistent quarterly PBP and PATMI formation Business Segments Q3FY26 Q4FY26 QoQ Change FY25 FY26 YoY Change (RM’ mil) Wholesale Banking 258 277 7% 933 1,176 26% Business Banking 275 275 ≈ 1,212 1,109 (9%) Retail Banking 131 98 (25%) 439 401 (9%) Investment Banking, Funds Mgt
Slide 16: Loans growth led by corporate loans in WB and BB
Loans Loans growth led by corporate loans in WB and BB, with RB flat Gross Loans Movement (RM’ bil) Breakdown by rate sensitivity: Breakdown by concept: Breakdown by customer type: Fixed rate – 18% Islamic – 35% Retail – 46% Variable rate –82% Conventional – 65% Non-retail – 54% Composition 16% 37%
Slide 17: NCC 0.21%, with higher writeback and recoveries
Asset Quality NCC 0.21%, with higher writeback and recoveries in WB and RB, offsetting higher impairment charges in BB Net Impairment (YoY Movement) (RM’mil) 167.3 143.9 69.1* 133.6 (146.0) (14.1) (6.6) (6.7) (69.9) (69.8) (10.1) FY25 ECL ECL Stage 3 ECL Stage 3 Forward Overlay Recoveries C&C / FY26
Slide 18: Asset quality stable, vigilant monitoring of sector exposures
Asset Quality Asset quality stable, vigilant monitoring of sector exposures continues Impaired Loans by Sector Collateralisation of Portfolios (Mar’26) Mar’25 Dec’25 Mar’26 YoY QoQ Sector Composition RM’ mil RM’ mil RM’ mil Movement Movement Performing loans – 98.33% Agriculture 13 91 87 4% >100%
Slide 19: Total customer deposits grew 4%, in line with industry
Deposits Total customer deposits grew 4%, in line with industry Deposits (RM’ bil) CASA (RM’ bil) and CASA Composition (%) Customer Deposits Trend YoY Growth Industry CASA Trend YoY Growth Industry FY26 147.0 4% 5%1 FY26 52.1 2% 9%1 FY25 141.5 (1%) 3%2 FY25 51.0 (3%) 3%2 FY24 142.4
Slide 20: FY26 DPR of 55% ahead of WT29 dividend plan
Capital FY26 DPR of 55% ahead of WT29 dividend plan RWA/Total Assets1 Capital Adequacy Ratios1,3 2 Total Assets RWA/Total Assets Peers CET 1 / Tier 1 TCR 62.7% 63.3% 58.0% 57.5% 54.9% 55.3% 55.3% 55.6% 17.92% 17.49% 17.23% RM’ bil 16.30% 197.4 196.8 199.0 207.7 15.15% 14.82% 14.82% 13.04% FY23 FY24
Slide 21: FY26 Closing Remarks
Summary FY26 Closing Remarks FINANCIAL PERFORMANCE CREDIT PROFILE • Achieved record PATMI of RM2.1 billion • Net Credit Cost at 21 bps • NIM expanded 4 bps YoY to 1.98% despite a • GIL at 1.59% 25-bps OPR reduction • Overlay reserves of RM307m retained • 10.0% ROE and ROA of 1.05% BALANCE SHEET STRE
Slide 22: Thank You
THANK YOU PRINCIPLED ‘APPRECIATIVE (on : COLLABORATIVE EXPERIMENTAL Biba st 11 Be
Slide 23: Yearly Financial Highlights
FY26 Results Yearly Financial Highlights PATMI (RM’mil) & ROE (%) Total Income (RM’mil) and Non-interest Income (%) Total Income: PATMI: ROE: CAGR FY23-FY26: 3.1% YoY Growth 5.0% YoY Growth ≈ YoY Growth 4.7% PATMI ROE Total Income Non-Interest Income % 9.8% 10.0% 10.0% 10.0% 29% 28% 28% 25% 2,
Slide 24: Impairment (charge) / Recoveries
Asset Quality Impairment (charge) / Recoveries Net (Impairments) / Recoveries, GIL and LLC Ratio Total impairments by category (RM’ mil) Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 QoQ Change FY25 FY26 YoY Change ECL Stage 1 & 2 – Non defaulted reversal/ (charge) (33) 15 (3) 23 (8) (23)
Slide 25: Divisional Performance
Divisional Performance PRINCIPLED 2 PROACTIVE APPRECIATIVE COLLABORATIVE EXPERIMENTAL
Slide 26: Wholesale Banking
Wholesale Banking Wholesale Banking Total Income (YoY Movement) and Assets by Line of Business PAT Trend (RM’ mil) QoQ Growth: 5% YoY Growth: 23% Total Income 21% RM1,564 mil FY25: 843 FY26: 1,041 2% 373 Transaction 262 271 Banking 241 14% 194 203 163 177 TB GTM: CB: Loans & Corporate 4% AC
Slide 27: Wholesale Banking
Wholesale Banking Wholesale Banking Income Statement YoY Growth 19% 30% >100% 27% 21% 54% 8% 7% 75% 26% 10% 15% 24% 67% 71% 25% 66% 23% 83 17 185 1,041 (26) (62) 843 Net Interest Non-Interest Impairment RM' mil Total Income Expenses PBP PBT Tax & Zakat PAT Income Income writ
Slide 28: Business Banking
Business Banking Business Banking Total Income (YoY Movement) and Assets by Line of Business PAT Trend (RM’ mil) QoQ Growth: (8%) Total Income YoY Growth : (21%) (2%) RM1,738 mil 3% Commercial FY25: 841 FY26: 667 Banking 68% 236 232 224 Commercial Banking 197 197 82% 181 Total Assets Others
Slide 29: Business Banking
Business Banking Business Banking Income Statement YoY Growth (2%) (3%) (2%) 11% (9%) >100% (20%) (20%) (21%) 841 (29) (12) 52 53 667 (62) (63) (123) Net Interest Non-Interest RM' mil Total Income Expenses PBP Impairment PBT Tax & Zakat PAT Income Income FY26 1,360 378 1,738 (629)
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 : (11%) RM 1,438 mil YoY Growth : 48% (45%) 9% 7% Others FY25: 165 FY26: 244 Wealth 1% Mortgage 10% 15% 106 94 Cards & Secured 22% UnsecuredPersonal Le
Slide 31: Retail Banking – Cards in circulation
Retail Banking Retail Banking Wealth Sales (RM’ mil) Retail Wealth – Average AUM (RM’ mil) QoQ Growth: (21%) QoQ Growth: 6% YoY Growth: 6% YoY Growth: 21% FY25: 9,739 FY26: 10,278 6,093 3,222 5,774 5,432 5,547 2,986 5,038 2,845 4,777 4,938 2,635 4,525 2,201 2,246 2,065 1,817 Q1FY25 Q2FY25 Q3
Slide 32: Retail Banking
Retail Banking Retail Banking Income Statement YoY Growth (3%) 1% (27%) 4% (7%) 1% 5% 6% (31%) (9%) (64%) 15% (75%) 48% (77%) 49% 48% 142 244 (25) 10 9 165 (38) (56) Net Interest Non-Interest RM' mil Total Income Expenses PBP Impairment PBT Tax & Zakat PAT Income Income FY2
Slide 33: 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: 94% 31 March 2026 YoY Growth: (22%) DCM 9.0% 3 (Overall MYR Bonds) FY25: 118 FY26: 93 Islamic Sukuk 6.6% 5 Unit T
Slide 34: Investment Banking, Funds Management & Private Banking
Investment Banking, Funds Management & Private Banking Investment Banking, Funds Management & Private Banking Income Statement YoY Growth (17%) (3%) (5%) 1% (16%) (98%) (21%) (18%) (22%) 118 (9) 6 93 (10) (3) (9) Net Interest Non-Interest Impairment RM' mil Total Income Expenses PB
Slide 35: Group Wealth Management
Group Wealth Management Group Wealth Management1 Income Statement YoY Growth (15%) 4% 3% 2% 6% >100% 5% 15% 3% 13 98 101 (4) (1) (4) (2) Net Interest Non-Interest Impairment (charge)/ RM' mil Total Income Expenses PBP PBT Tax & Zakat PAT Income Income write-back FY26 11 353 364 (23
Slide 36: AmBank (M) entity level
AmBank (M) entity level AmBank (M) Income Statement YoY Growth 5% 6% 7% 26% 11% 6% 8% 6% 13% 5% >100% 99% (1%) 7% 7% 1% (1%) 125 57 56 1,258 1,240 (87) (110) (2) Net Interest Non-Interest RM' mil Total Income Expenses PBP Impairment PBT Tax PAT Income Income FY26 2,500 838 3
Slide 37: AmBank Islamic entity level
AmBank Islamic entity level AmBank Islamic Income Statement YoY Growth 11% 4% 54% 17% 15% 5% 9% 6% 19% 5% >100% >100% 23% (2%) (3%) 24% 22% 127 128 683 46 24 559 (41) (42) (33) Net Funded Non-Funded Impairment RM' mil Total Income Expenses PBP PBT Tax & Zakat PATZ Income Inco
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 Q4FY26 vs Q3FY26 YoY gr