CIMB net profit edges up 1.7% to $2.03b in 2025

Profit before tax increased to 2.7%.

CIMB Group Holdings Berhad reported a net profit of $2.03b (RM7.9b) for the financial year ended 31 December 2025, a 1.7% increase from $1.98b (RM7.7b) in the previous year, according to a press release.

The group declared a total dividend of 12 cents (47.1 sen) per share, resulting in a payout of $1.31b (RM5.1b). Return on average equity rose 10 basis points to 11.3%.

Profit before tax increased 2.7% to $2.75b (RM10.7b), whilst earnings per share stood at 19 cents (73.1 sen).

Operating income reached $5.78b (RM22.5b), supported by a 3.1% rise in non-interest income to $1.83b (RM7.1b), whilst net interest income remained steady at $3.93b (RM15.3b). The net interest margin was 2.10% at year-end 2025.

Total assets grew 6.1% to $200.18b (RM778.7b) on a constant currency basis, with loans up 3.1% and total deposits rising 5.4% to $134.81b (RM524.4b). The current account savings account ratio was 42.7%, whilst the loan-to-deposit ratio stood at 86.4%.

Operating expenses increased 2.0% to $2.72b (RM10.6b), including $437m (RM1.7b) spent on technology and $25.71m (RM100m) on artificial intelligence training.

The Common Equity Tier 1 ratio was 14.3%. CIMB also initiated a capital return programme of $514m (RM2b). Asset quality remained solid, with a gross impaired loans ratio of 1.7% and an allowance coverage of 103.2%.

In debt capital markets, the group held a 32.5% market share in Malaysia. It set a sustainable finance target of $77.12b (RM300b) by 2030, alongside a community investment target of $51.41m (RM200m).

(US$1 = RM3.98)