Rhb Bank Bhd. · MYX:RHBBANK
Rhb Bank Bhd — FY2025 Earnings Presentation
36 slides from Rhb Bank Bhd's earnings presentation, Feb 27, 2026
Slide 1: Analyst Presentation FY2025 Financial Results
RHB BANK BERHAD Analyst Presentation FY2025 Financial Results Dato’ Mohd Rashid Mohamad Group Managing Director/Group Chief Executive Officer RHB Banking Group 27 February 2026
Slide 2: Executive Summary, FY2025 Financial Results, Summary
1. Executive Summary 2. FY2025 Financial Results 3. Summary
Slide 3: Executive Summary
Executive Summary
Slide 4: FY2025: Financial Highlights
4 FY2025: Financial Highlights 4 Total Income NIM with LMN1 PROFITABILITY ▲ 2.0% ▼ 1.88% Total income expanded 2.0% to RM8.8 bil driven by increase in net fund-based income FY2025: RM8.8 bil FY2024: 1.96% NIM with liability management at 1.88% (FY2025) versus 1.96% (FY2024) Cost Growth Credit Cost C
Slide 5: Higher dividend payout ratio underscores improved financial performance
The higher dividend payout ratio underscores the Group’s improved financial performance 5 5 Dividend Per Share (sen) 63% 63% 61% 60% 65% Dividend Payout Ratio 60.0% 50% 48% 60% 65% 40.0% 36% 20.0% Dividend Payout Ratio (cash) 60.0% 0.0% 40.0% -20.0% 20.0% -40.0% 0.0% -60.0% Dividend Yield (cash) -20
Slide 6: PROGRESS27 Key Impact and Deliverables
PROGRESS27 Key Impact and Deliverables 6 6 PROGRESS27 FY2025 Highlights Key Strategic Objectives FY2025 Actual 75% CSAT Score for 4 Product Applications #2 NPS Rank Mobile Banking Fully STPN1 Best in Service (NPS: Net Promoter Score) FY2025 (CSAT: Customer Satisfaction) (STP: Straight-Through Proces
Slide 7: Enhanced customer experience across products & services
Enhanced customer experience across products & services 7 Progressing Our Advancing Financial Recognised as Enhancing Customer Multicurrency Account Inclusion Best e-Payments Bank Experience Transact up to 34 currencies Onboarded 24 universities/ Recognised as From 1st January 2026, the through Mobi
Slide 8: Sustainability Strategy and Roadmap: Key Highlights for FY2025
Sustainability Strategy and Roadmap: Key Highlights for FY2025 8 Cumulatively mobilised around RM60 bil in SFS (67% against RM90 bil target by 2027) MOBILISE Cumulative • Green activities: RM34 bil (57%) RM90 BILLION Achievements • Social activities: RM11 bil (18%) in Sustainable • ESG-linked activi
Slide 9: FY2026: Outlook
9 FY2026: Outlook 9 Profitability Enhanced Net fund based income contribution via: Accelerating wealth and banca fee generation to complement trading & High-yielding segments loans growth investment earnings, enabling a more robust Non-fund based income Progressively repricing high cost depo
Slide 10: RHB Banking Group Scorecard
RHB Banking Group Scorecard – outperformed most of the metrics 10 10 Target Actual Target KPI FY2025 FY2025 FY2026 ROE 10.4% - 10.8% 10.5% √ 10.8% - 11.0% Loans Growth 5% - 6% 5.4% √ 5% - 6% CASA Ratio 28% - 29% 30.4% √ > 30% Gross Impaired Loans Ratio 1.40% - 1.50% 1.41% √ 1.35% - 1.40% Cost-to-Inc
Slide 11: FY2025 Financial Results
FY2025 Financial Results
Slide 12: Consistent quarterly earnings growth driven by higher income and lower ECL
Consistent quarterly earnings growth driven by higher income, cost efficiencies and lower ECL 12 5.2% 3.9% 4.2% 2.0% 4.6% Q4 2025 (Q-o-Q) FY2025 (Y-o-Y) 2,239 2,333 8,605 8,774 • Total income increased 4.2% • Total income grew 4.6% vs the reported 2.0%, after 2,048 2,155 • Deposit repricing contribu
Slide 13: Loans expansion funded by CASA growth; asset quality improved
Encouraging loans expansion funded by the 11.6% CASA growth and an improved CASA mix, while 13 the Group’s asset quality improved 9 bps Q-o-Q Financial Position Asset Quality Total Gross Securities Stage 2 Loans Group GIL Domestic GIL Assets Loans Portfolio Ratio 2.3% 5.4% 2.4% 0.03% 1.5% 6.7% 94 3.
Slide 14: Resilient earnings growth, disciplined cost management and reduced ECL
Resilient earnings growth supported by sustained income progression, disciplined cost 14 management and reduced ECL 14 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 FY FY RM mil Q-o-Q % Y-o-Y % Y-o-Y % 2024 2024 2024 2024 2025 2025 2025 2025 2024 2025 Net fund based income 1,386 1,442 1,494 1,469 1,487 1,492 1,506 1,533
Slide 15: NIM expanded 5 bps Q-o-Q driven by deposits repricing
NIM expanded 5 bps Q-o-Q driven by deposits repricing, FX swap lifted NIM by 8 bps to 1.88% for 15 FY2025 15 Net Fund Based Income Net Interest Margin (NIM) Y-o-Y: 6 bps Q-o-Q: 1.8% QoQ +5bps Group NIM Y-o-Y: 3.9% 1.86% 1.80% Y-o-Y: 4.3% 1.90% 1.91% • NIM expansion due to 1.83% 1.84% 1.84% 1.81% 1.7
Slide 16: Strong Q-o-Q non-fund based income growth
Strong Q-o-Q non-fund based income growth contributed by fee income, net insurance income 16 and net forex gain Fee Income Treasury Income Net Income from Others Non-Fund Based Income Insurance Business Q-o-Q: 26.7% Q-o-Q: 3.5% Q-o-Q: 78.9% Q-o-Q: 50.2% Y-o-Y: 31.5% Y-o-Y: 1.1% Y-o-Y: 25.6% Y-o-Y: 7
Slide 17: Cost growth contained at 3.3% Y-o-Y
Cost growth contained at 3.3% Y-o-Y, much lower versus the prior year’s 9.0% growth 17 17 Costs & CIR 5-Year Trend 48.8% 46.4% 48.4% 46.7% 47.3% 47.5% 47.3% CIR 46.7% 45.2% 44.2% Q-o-Q: 8.8% Y-o-Y: 3.3% 9.0% Y-o-Y: 4.7% RM mil 4,021 4,154 1,130 4.0% 3.3% 1,079 1,038 2.4% 2.3% Y-o-Y cost growth FY202
Slide 18: FY2025 loans grew 6.1% excluding FX impact
FY2025 loans grew 6.1% (excluding FX impact), exceeding our guidance of between 5% and 6% 18 18 Gross Loans Dec Sep Dec RM bil Q-o-Q Y-o-Y 2024 2025 2025 GROUP COMMUNITY BANKING 122.0 128.2 130.4 1.7% 6.9% Mortgage 88.7 93.8 95.6 1.9% 7.8% Commercial Property Financing 3.8 3.6 3.5 -2.0% -7.3% ASB Fi
Slide 19: Strong CASA growth lifted CASA ratio to 30.4%
Strong CASA growth lifted CASA ratio to 30.4% while reducing reliance on costlier fixed deposits 19 19 Customer Deposits CASA by Segment Dec Sep Dec RM bil Q-o-Q Y-o-Y Q-o-Q: 0.5% 2024 2025 2025 Y-o-Y: 1.2% GROUP COMMUNITY BANKING 22.6 23.3 23.5 0.9% 3.8% RM bil GROUP CORPORATE & BUSINESS BANKING 37
Slide 20: Group GIL improved 9 bps Q-o-Q to 1.41%
Group GIL significantly improved by 9 bps Q-o-Q to 1.41%, while LLC incl. Regulatory Reserves 20 increased to 118% Gross Impaired Loans (Group) Gross Impaired Loans (Domestic) 4.85% 4.99% 4.95% 4.91% 4.82% 5.08% 5.06% 5.10% 5.16% 4.98% GIL Ratio movement: Industry 8,000 2.20% 7,500 GIL Ratio movemen
Slide 21: Improved asset quality observed in nearly all segments
Improved asset quality observed in nearly all segments, especially in Corporate, SME and Group 21 International Business Mortgage Unsecured Auto Finance 3.60% 3.61% 3.60% 3.68% 3.67% 6.09% 6.08% 6.24% 6.68% 7.07% 4.75% 4.85% 5.00% 4.97% 4.71% 1.03% 1.02% 1.27% 1.27% 1.30% 1.32% 1.29% 0.97% 1.00% 0.9
Slide 22: Community Banking recorded strong income growth
Community Banking recorded strong income growth moderating the impact of higher cost and ECL 22 on net profit, while other segments delivered commendable earnings growth 22 6.0% 2.9% 1.5% 0.4% 28.5% 2,869 3,041 2,689 2,767 2,329 2,294 Net Income 1,026 1,021 81 104 Group Community Group Corporate & G
Slide 23: Capital position remained robust for the Group
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% 19.0% 17.6% 18. 0% 17.7% 16.6% 17. 0% 16. 0% 16. 0% 16.4% 15.2% 16.4% 15.2% 14.8% 13.9% 15. 0% 14. 0% 14.8% 13.9% 14. 0% 13. 0% 12. 0% 12. 0% 11. 0% 10. 0% 10. 0% 9.0
Slide 24: Summary
Summary
Slide 25: Concluding Remarks
Concluding Remarks 25 Q4 2025 Key Financial Indicators: Q-o-Q Quarterly net profit of RM906 mil driven by: i. Higher non-fund based income (+9.1%) arising from higher fee iii. Lower loans ECL (-86.1%) due to: and net insurance income, as well as higher net forex gain • Expected losses remodeling, pr
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 FY2021 FY2022 FY2023 FY2024 FY2025 RM mil Income Statement Total Income 7,789 8,160 7,770 8,605 8,774 Operating Profit Before Allowances 4,266 4,554 4,081 4,583 4,620 Profit Before Tax 3,529 4,133 3,753 4,020 4,378 Net Profit 2,618 2,678 2,806 3,120 3,363 Bala
Slide 29: Key Financial Ratios
Key Financial Ratios 29 29 Financial Ratios FY2021 FY2022 FY2023 FY2024 FY2025 Profitability Return on Equity 9.6% 9.6% 9.5% 10.0% 10.5% Net Interest Margin 2.20% 2.24% 1.82% 1.86% 1.80% Cost to Income Ratio 45.2% 44.2% 47.5% 46.7% 47.3% Asset Quality Gross Impaired Loan Ratio 1.49% 1.55% 1.74% 1.47
Slide 30: Retail Banking
Retail Banking 30 30 RM bil Gross Loans RM bil Deposits 6.9% 5.9% 89 94 140 120 100 23 23 CASA 130 80 122 71 66 60 40 Fixed Deposit 20 - Dec 2024 Dec 2025 Dec 2024 Dec 2025 Retail Market Share * Asset Quality RM mil 9.8% 9.9% 9.9% 0.96% 0.96% 9.5% 9.5% 0.92% 0.94% 0.93% 9.1% 9.1% 9.2% 9.2% 9.2% 1,12
Slide 31: SME
SME 31 31 Gross Loans Deposits RM bil RM bil 8.8% 35.0 36 39 30.0 21 25.0 20.0 19 CASA 15.0 28 28 Fixed Deposit 16 18 10.0 5.0 - Dec 2024 Dec 2025 Dec 2024 Dec 2025 • Numbers may not sum up due to rounding SME Market Share * RM mil Asset Quality 3.21% 3.36% 3.50% 3.48% 3.41% 9.0% 8.9% 8.7% 8.7% 8.7%
Slide 32: Asset Under Management and Market Positions; Key Awards
Asset Under Management and Market Positions 32 32 Asset Under Management (AUM)* Investment Banking League Table FY2025 Market Share Ranking 5.3% RM bil Equities Broking: 54 57 - By value 6.1% 7th - By volume 6.7% 5th 9 8 Debt Capital Markets: - MYR sukuk 12.4% 3rd Singapore - MYR bonds (Conventional
Slide 33: Investment Banking – Notable Deals
Investment Banking – Notable Deals 33 33 CF/ECM DCM M&A Southern Cable Group Berhad Pulau Indah Power Plant Sdn Bhd LBS Bina Group Berhad RM204.0 mil Private Placement Issuance of RM2.8 bil Sukuk Wakalah, Malaysia’s largest RM1.2 bil Acquisition of (Tranche 1) power sector project financing Sukuk fu
Slide 34: Islamic Banking
Islamic Banking 34 34 PBT Gross Financing RM mil RM bil 0.2% 10.4% 100 80 91 100 60 40 1,064 1,062 20 - Dec 2024 Dec 2025 FY2024 FY2025 Market Share 9.5% 9.7% Gross Financing/ Asset Quality Total Gross Financing (Domestic) RM mil 0.94% 0.97% 1.06% 1.10% 1.11% 46.4% 45.1% 45.4% 45.6% 44.6% 853 903 1,
Slide 35: RHB Bank Singapore
RHB Bank Singapore 35 35 PBT Gross Loans & Deposits SGD mil SGD bil 5.9% 120 110 8.6% 4.6% 100 90 Dec 2024 80 99 105 10 10 10 9 70 60 Dec 2025 50 40 FY2024 FY2025 Gross Loans Deposits Gross Impaired Loans Ratio Credit Charge Ratio 0.10% -0.01% -0.30% 0.12% -0.25% 0.75% 0.85% 0.70% 0.59% 0.46% Dec 20
Slide 36: Overseas Loans
Overseas Loans 36 36 Dec Sep Dec RM bil Q-o-Q Y-o-Y 2024 2025 2025 Overseas Operations 34.4 34.6 34.5 -0.1% 0.8% Singapore 29.4 30.4 30.7 0.7% 4.3% Others 5.0 4.2 3.8 -5.8% -20.4% of which: Cambodia 3.2 2.8 2.6 -6.2% -18.9% Thailand 1.3 1.0 1.0 -5.8% -25.0%