Affin Bank expected to see 30.6% quarterly drop in Q4 net profit: report

The upturn in loan loss provisioning will lead to the decline, said CGS International.

Affin Bank is anticipated to report a lower net profit in Q4 2025 compared to Q3, according to estimates by CGS International.

The lower net profit is due to CGS International’s expectation for the normalisation of Affin Bank’s loan loss provisioning (LLP) in Q4 2025.

“We project a net profit of MYR100.6m for Affin in Q4 2025, representing a 30.6% quarter-on-quarter (QoQ) decline, due to our expected upturn in LLP (a normalisation) from a net write-back in Q3 2025 to a provision in Q4 2025,” said Winson Ng, analyst, CGS International.

The upturn in LLP (as well as lower net interest income) would also cause the Q4 2025 net profit to decline by 25.5% year-on-year (YoY), based on CGS International’s forecast.

Affin Bank’s 9M 2025 net profit accounts for 80.4% of full-year forecasts. Net profit for the first nine months of the year rose by 10.1% year-on-year, lifted by a 27.3% jump in its Islamic banking income.