Malaysia · Delayed Price · Currency is MYR CIMB Group Holdings Berhad Earnings Call Transcripts
Fiscal Year 2026
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Q2 2026 saw resilient profit growth, improved asset quality, and strong digital and wealth momentum. Margin pressures persist, but cost controls and overlays provide stability, with guidance maintained and capital return plans progressing.
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Q1 2026 saw resilient performance with strong NOII and disciplined cost management offsetting FX and inflation headwinds. Asset quality and capital ratios remain robust, while loan and CASA growth are led by wholesale banking. Guidance for 2026 is maintained.
Fiscal Year 2025
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Record net profit and ROE were achieved in 2025, driven by stable NII, NOII growth, and disciplined costs. Asset growth, improved asset quality, and strong capital management supported record dividends and a positive outlook, with 2026 ROE targeted at 11%-11.5%.
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Q3 2025 saw a 10% QoQ net profit increase, with nine-month net profit at MYR 5.94 billion and ROE at 11.3%. Strong non-interest income, disciplined cost control, and robust capital position supported results, while a MYR 2 billion capital return plan and special dividend were announced.
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Resilient H1 2025 performance with stable NIM, strong asset quality, and robust growth in Malaysia and Singapore offsetting FX headwinds from Indonesia. Interim dividend maintained at 55.5% payout; outlook remains positive with focus on digital, cost control, and responsible growth.
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Q1 2025 saw resilient results with 11.4% ROE, MYR 2B net profit, and strong asset quality. Updated credit cost guidance to 25-35 bps reflects robust recoveries, while NIMs held steady despite regional rate cuts. CASA and fee income growth supported performance.
Fiscal Year 2024
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Net profit rose 10.7% YoY to MYR 7.7 billion, with ROE at 11.2% and strong income growth. Asset quality improved, cost discipline was maintained, and a deposit-led strategy supported robust liquidity. Outlook for 2025 targets 5%-7% loan growth, stable margins, and continued focus on capital efficiency.
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Net profit rose 13% year-on-year to MYR 5.9 billion for the nine months of 2024, with strong performance in Malaysia and Singapore, improved asset quality, and a CET1 ratio of 15%. NIM expansion is expected to face pressure in Q4 due to liquidity competition, while a new strategic plan will focus on deposit growth and cost optimization.
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Net profit rose 14% year-on-year to MYR 3.9 billion in H1 2024, with strong revenue and NIM expansion, improved asset quality, and robust growth in consumer and Islamic banking. Capital and liquidity remain strong, with a special dividend announced and sustainability targets nearly achieved.