Malaysia · Delayed Price · Currency is MYR CIMB Group Holdings Berhad Earnings Call Transcripts
Fiscal Year 2026
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Q1 2026 saw resilient performance with strong NOII growth offsetting NIM compression and FX headwinds. Asset quality and capital ratios remain robust, while cost discipline improved CIR. Guidance for 2026 ROE of 11%-11.5% is maintained, with flexibility in capital return and ongoing transformation in Thailand.
Fiscal Year 2025
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Record net profit of MYR 7.9 billion and 11.3% ROE were achieved in 2025, driven by asset growth, disciplined cost control, and strong non-interest income. 2026 guidance targets 11%-11.5% ROE, 5%-7% asset growth, and stable margins, with continued focus on Malaysia and digital initiatives.
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Q3 2025 net profit rose 10% QoQ, with nine-month profit at MYR 5.94 billion and ROE at 11.3%. Strong non-interest income, disciplined cost control, and robust capital position supported results despite FX and rate headwinds. Special dividend and capital return plan announced.
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Resilient H1 2025 performance with 11.1% ROE, stable NIM, and strong asset quality, despite FX headwinds. Malaysia and Singapore offset Indonesia's currency-driven weakness, while digital initiatives and disciplined cost control support growth.
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Q1 2025 saw resilient results with 11.4% ROE and MYR 2B net profit, driven by strong client franchise income, disciplined cost control, and robust asset quality. Credit cost guidance was lowered to 25–35 bps, with stable margins and proactive capital optimization.
Fiscal Year 2024
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Net profit rose 10.7% year-on-year to MYR 7.7 billion, with ROE at 11.2% and strong income growth. Liquidity and asset quality improved, while a deposit-led strategy and disciplined cost control supported performance. Outlook for 2025 targets 5%-7% loan growth and stable margins.
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Net profit grew 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 cost-to-income ratio of 45.9%. NIM expansion is expected to normalize in Q4 amid heightened competition for liquidity.
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Net profit rose 14% year-on-year to MYR 3.9 billion in H1 2024, driven by strong revenue growth, NIM expansion, and improved asset quality. Loan growth guidance is maintained at 5%-7%, with stable NIMs expected and continued focus on disciplined capital allocation and digital investments.