Rhb Bank Bhd. · MYX:RHBBANK
Rhb Bank Bhd — 9M 2025 Earnings Presentation
32 slides from Rhb Bank Bhd's earnings presentation, Nov 27, 2025
Slide 1: Analyst Presentation 9M 2025 Financial Results
RHB BANK BERHAD Analyst Presentation 9M 2025 Financial Results Dato’ Mohd Rashid Mohamad Group Managing Director/Group Chief Executive Officer RHB Banking Group 27 November 2025
Slide 2: Agenda
1. Executive Summary 2. 9M 2025 Financial Results 3. Summary
Slide 3: Executive Summary
Executive Summary
Slide 4: 9M 2025: Financial Highlights
4 9M 2025: Financial Highlights 4 CIR 46.9% NIM 1.87% Loans Growth 4.3%N2 Net Profit RM2.5 bil CASA Ratio 29.5% ROE 10.0% N1 with liability management Total income improved 3.9% Q-o-Q to RM2.24 bil in Q3 2025 (Q2 2025: RM2.15 bil) with both net fund based and non-fund based income being accretive Ne
Slide 5: PROGRESS27 Key Impact and Deliverables
PROGRESS27 Key Impact and Deliverables 5 5 PROGRESS27 Q3 2025 Highlights Key Strategic Objectives 75% CSAT Score for 4 Product Applications #2 NPS Rank (NPS: Net Promoter Score) Mobile Banking Fully STPN1 Best in Service in FY2025 (CSAT: Customer Satisfaction) (STP: Straight-Through Processing) in F
Slide 6: Sustainability Strategy and Roadmap: Key Highlights for Q3 2025
Sustainability Strategy and Roadmap: Key Highlights for Q3 2025 6 Cumulatively mobilised around RM56 bil in SFS (62% against RM90 bil target by 2027) Cumulative • Green activities: RM30.0 bil (54%) MOBILISE Achievements • Social activities: RM10.2 bil (18%) RM90 BILLION • ESG-linked activities: RM15
Slide 7: 9M 2025 Financial Results
9M 2025 Financial Results
Slide 8: Net profit surged both Q-o-Q and Y-o-Y
Net profit surged both Q-o-Q and Y-o-Y driven by better income, moderate cost increase and 8 narrowing ECL 5.2% 3.9% 0.7% 2.5% Q3 2025 (Q-o-Q) 9M 2025 (Y-o-Y) 2,155 2,239 6,394 6,442 • Total income grew 3.9% • Excluding one-off MTM gain/loss on a private equity 2,048 Net fund based income • Net fund
Slide 9: Loans expansion funded by 11.5% CASA growth, asset quality improves
Loans expansion continues to be funded effectively as affirmed by the 11.5% CASA growth, while 9 asset quality improves Q-o-Q Financial Position Asset Quality Total Gross Securities Stage 2 Loans Group GIL Domestic GIL Assets Loans Portfolio Ratio 3.2% 4.3% 9.6% 0.06% 5.8% 7.7% 245 94 3.5 3.6 3.7 2.
Slide 10: Earnings grew 12.5% Q-o-Q
Earnings grew 12.5% Q-o-Q driven by stronger net fund based and non-fund based income, 10 sustained cost discipline and reduced ECL 10 Q1 Q2 Q3 Q1 Q2 Q3 9M 9M RM mil Q-o-Q % Y-o-Y % Y-o-Y % 2024 2024 2024 2025 2025 2025 2024 2025 Net fund based income 1,386 1,442 1,494 1,487 1,492 1,506 15 1.0% 13 0
Slide 11: NIM contracted Q-o-Q due to OPR cut, expected accretive in Q4
NIM contracted Q-o-Q due to OPR cut, however quarter NIM is expected to be accretive in Q4 11 driven by deposits repricing 11 Net Fund Based Income Net Interest Margin (NIM) YTD: 6 bps Q-o-Q: 1.0% QoQ -4bps Group NIM Y-o-Y: 3.8% 1.86% 1.80% Y-o-Y: 0.8% 1.83% 1.90% 1.91% 1.84% 1.84% • NIM contraction
Slide 12: Non-fund based income growth supported by fee and trading income
Q-o-Q non-fund based income growth sustained supported by higher fee and trading income 12 Fee Income Treasury Income Net Income from Others Non-Fund Based Income Insurance Business Q-o-Q: 10.0% Q-o-Q: 10.8% Q-o-Q: 31.2% Q-o-Q: 1.1% Y-o-Y: 2.1% Y-o-Y: 3.9% Y-o-Y: 15.5% Y-o-Y: >100% Q-o-Q: 10.5% Y-o-
Slide 13: Positive JAW led to lower CIR of 46.4% in Q3 2025
Positive JAW led to lower CIR of 46.4% in Q3 2025, with cost growth contained at 2.8% Y-o-Y 13 13 Costs & CIR 5-year CIR 45.4% 47.1% 46.4% 46.0% 46.9% 47.5% CIR 46.7% 46.9% 45.2% 44.2% Q-o-Q: 2.2% Y-o-Y: 2.8% 9.0% RM mil Y-o-Y: 4.2% 2,943 3,024 4.0% 997 1,016 1,038 2.4% 2.3% 2.8% Y-o-Y cost growth F
Slide 14: Domestic loans growth of 4.8% above industry's 4.5%
Encouraging domestic loans growth of 4.8% expanded above industry’s 4.5% 14 14 Gross Loans Sep Dec Jun Sep YTD RM bil Q-o-Q YTD Y-o-Y 2024 2024 2025 2025 Annualised GROUP COMMUNITY BANKING 119.5 122.0 125.9 128.2 1.8% 5.1% 6.8% 7.3% Mortgage 86.9 88.7 91.9 93.8 2.1% 5.8% 7.8% 8.0% Commercial Propert
Slide 15: Steady CASA growth, CASA ratio rising to 29.5%
Steady CASA growth resulting in CASA ratio rising to 29.5% 15 15 Customer Deposits CASA by Segment Sep Dec Jun Sep YTD Q-o-Q: 1.1% RM bil Q-o-Q YTD Y-o-Y 2024 2024 2025 2025 Annualised YTD: 1.7% (Annualised: 2.2%) GROUP COMMUNITY BANKING 21.7 22.6 23.0 23.3 0.9% 2.9% 3.9% 7.2% RM bil Y-o-Y: 6.5% GRO
Slide 16: GIL improved Q-o-Q for Group and Domestic
GIL improved Q-o-Q for both Group and Domestic by 1 bp and 3 bps respectively, while LLC incl. 16 Regulatory Reserves remains above 100% Gross Impaired Loans (Group) Gross Impaired Loans (Domestic) 4.91% 4.85% 4.99% 4.95% 4.91% 5.13% 5.08% 5.06% 5.10% 5.16% GIL Ratio movement: Industry 8,000 2.20% G
Slide 17: Group asset quality generally improved including SME
The Group’s asset quality has generally improved including SME, whilst recovery efforts continue 17 for both Thailand and Cambodia Mortgage Unsecured Auto Finance 3.69% 3.61% 3.61% 3.61% 3.68% 7.41% 7.18% 7.15% 7.29% 7.76% 5.46% 5.12% 5.20% 5.36% 5.32% 1.03% 1.02% 1.27% 1.27% 1.27% 1.30% 1.32% 1.01%
Slide 18: Revenue and profit before tax by business segment
Revenue for Community Banking continue to grow albeit at a lower profit due to higher cost and 18 ECL, while other segments delivered encouraging profit growth 18 3.4% 10.1% 7.0% 8.5% 23.1% 2,107 2,179 1,880 2,069 1,755 1,632 Revenue 837 766 70 87 Group Community Group Corporate & Group Wholesale Gr
Slide 19: Capital position remained robust
Capital position remained robust for the Group and key banking subsidiaries 19 19 RHB Bank Group RHB Bank 20. 0% 20. 0% 19. 0% 18. 0% 18. 0% 17. 0% 16. 0% 15. 0% 19.0% 17.6% 16. 0% 17.7% 16.6% 16.4% 15.2% 14. 0% 16.4% 15.2% 14.8% 13.9% 14. 0% 14.8% 13.9% 13. 0% 12. 0% 12. 0% 11. 0% 10. 0% 10. 0% 9.0
Slide 20: Summary
Summary
Slide 21: Concluding Remarks
Concluding Remarks 21 Q3 2025 Key Financial Indicators: Q-o-Q Quarterly net profit of RM904 mil driven by: i. Higher non-fund based income (+10.5%) stemming from higher fee and trading income, coupled with higher NII from prudent funding cost management ii. Cost growth contained at 2.2% iii. Lower t
Slide 22: 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 23: Appendix
Appendix
Slide 24: Key Financial Data
Key Financial Data 24 24 Financial Data FY2021 FY2022 FY2023 FY2024 9M 2025 RM mil Income Statement Total Income 7,789 8,160 7,770 8,605 6,442 Operating Profit Before Allowances 4,266 4,554 4,081 4,583 3,417 Profit Before Tax 3,529 4,133 3,753 4,020 3,191 Net Profit 2,618 2,678 2,806 3,120 2,458 Bal
Slide 25: Key Financial Ratios
Key Financial Ratios 25 25 Financial Ratios FY2021 FY2022 FY2023 FY2024 9M 2025 Profitability Return on Equity 9.6% 9.6% 9.5% 10.0% 10.0% 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% 46.9% Asset Quality Gross Impaired Loan Ratio 1.49% 1.55% 1.74% 1.4
Slide 26: Retail Banking
Retail Banking 26 26 RM bil Gross Loans RM bil Deposits 7.3% 10.4% 85 94 140 120 100 22 23 80 CASA 60 120 128 40 63 71 Fixed Deposit 20 - Sep 2024 Sep 2025 Sep 2024 Sep 2025 Retail Market Share * Asset Quality RM mil 9.8% 9.9% 0.96% 0.96% 0.96% 9.4% 9.5% 9.5% 0.92% 0.94% 9.0% 9.1% 9.1% 9.2% 9.2% 1,1
Slide 27: SME
SME 27 27 Gross Loans Deposits RM bil RM bil 6.0% 35.0 36 38 30.0 25.0 20.0 19 20 CASA 15.0 10.0 28 28 Fixed Deposit 5.0 17 18 - Sep 2024 Sep 2025 Sep 2024 Sep 2025 SME Market Share * RM mil Asset Quality 3.29% 3.21% 3.36% 3.50% 3.48% 9.0% 9.0% 8.9% 8.7% 8.7% 919 936 978 971 898 Sep 2024 Dec 2024 Ma
Slide 28: AUM, Market Positions and Key Awards
Asset Under Management and Market Positions 28 28 Asset Under Management (AUM)* Investment Banking League Table YTD Sep 2025 Market Share Ranking RM bil Equities Broking: 56 56 - By value 6.1% 8th - By volume 6.6% 5th 9 10 Debt Capital Markets: - MYR sukuk 14.0% 3rd Singapore - MYR bonds (Convention
Slide 29: Investment Banking – Notable Deals
Investment Banking – Notable Deals 29 29 CF/ECM DCM M&A Alliance Bank Malaysia Berhad Northport (Malaysia) Berhad Paramount Corporation Berhad RM606.4 mil Rights Issue 1st Issuance of RM500.0 mil ASEAN Green SRI IMTN RM126.3 mil Acquisition of the 28% equity Sole Principal Adviser under its new IMTN
Slide 30: Islamic Banking
Islamic Banking 30 30 PBT Gross Financing RM mil RM bil 5.8% 10.3% 100 80 60 40 87 96 774 20 729 - Sep 2024 Sep 2025 9M 2024 9M 2025 Market Share 9.3% 9.5% Gross Financing/ Asset Quality Total Gross Financing (Domestic) RM mil 1.54% 0.94% 0.97% 1.06% 1.10% 45.1% 45.4% 45.6% 44.5% 44.6% 1,341 1,003 1
Slide 31: RHB Bank Singapore
RHB Bank Singapore 31 31 PBT Gross Loans & Deposits SGD mil SGD bil 8.4% 100 90 12.6% 1.3% 80 Sep 2024 70 84 9 10 10 77 8 60 Sep 2025 50 40 9M 2024 9M 2025 Gross Loans Deposits Gross Impaired Loans Ratio Credit Charge Ratio -0.08% 0.10% -0.01% -0.30% 0.12% 0.78% 0.75% 0.85% 0.70% 0.59% Sep 2024 Dec
Slide 32: Overseas Loans
Overseas Loans 32 32 Sep Dec Jun Sep YTD RM bil Q-o-Q YTD Y-o-Y 2024 2024 2025 2025 Annualised Overseas Operations 31.5 34.4 33.7 34.6 2.7% 0.9% 1.1% 9.8% Singapore 26.7 29.4 29.3 30.4 3.9% 3.6% 4.8% 14.1% Others* 4.8 5.0 4.4 4.2 -5.7% -15.5% - -13.8% of which: Cambodia 3.0 3.2 2.9 2.8 -5.1% -13.5%