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LATEST COMPANY ANNOUNCEMENT

AMMB HOLDINGS BHD

Bursa: AMBANK

Q1 FY2026

Associate: Anne Ching

18 August 2025

AmBank Group delivers RM516 million in PATMI for Q1FY26, driven by good revenue growth and NIM improvement

AMMB Holdings Berhad (AMMB, AmBank Group or the Group) announced its results for the financial quarter ended 30 June 2025 (Q1FY26).

Summary of Q1FY26 Results1

  • Net income grew 9.5% YoY to RM1,290.7 million, driven by higher Net Interest Income (NII) on the back of strong Net Interest Margin (NIM) expansion and higher Non-Interest Income (NoII)
  • NII grew 7.4% YoY to RM924.7 million, lifted by a 12-basis point (bps) expansion in NIM to 2.01%. NoII grew 15.2% YoY to RM366.0 million, driven by higher trading gains in Group Treasury and Markets (GTM) as well as higher fees earned in Business Banking and Wholesale Banking. However, Investment Banking and Wealth Management segments faced challenges amidst cautious investor sentiment, resulting in lower fee income
  • Expenses increased 8.3% YoY to RM563.9 million, driven by higher personnel cost. Cost-to-Income (CTI) ratio of 43.7% compared to Q1FY25 of 44.2%
  • Profit Before Provisions (PBP) of RM726.8 million was 10.5% higher YoY, driven by positive operating leverage
  • Net impairment charges were higher at RM72.4 million, mainly attributable to higher Stage 3 provisions and lower writeback of forward-looking provision YoY
  • Profit Before Taxation (PBT) increased 1.4% YoY to RM654.4 million
  • Profit After Taxation and Minority Interests (PATMI) improved 3.2% YoY to RM516.2 million
  • Annualised Return on Equity (ROE) at 10.0% while Return on Assets (ROA) improved to 1.05%
  • Basic Earnings Per Share (EPS) grew 3.4% YoY to 15.64 sen per share and Net Assets per Share (NA) at RM6.23 (FY25: RM6.24)
  • Gross loans, advances and financing fell a marginal 0.5% YTD to RM138.2 billion
  • Gross impaired loans (GIL) ratio was higher at 1.71%, with loan loss coverage (LLC) ratio (including Regulatory Reserves) of 100.1%
  • Customer deposits fell 2.5% YTD to RM138.0 billion. Time deposits grew 0.6% YTD to RM91.1 billion.
  • Current account and savings account (CASA) balances fell 8.1% YTD to RM46.9 billion, giving a CASA mix of 34.0%
  • Liquidity is healthy and ample as Liquidity coverage ratio (LCR) for all entities were above 160%
  • The Group’s Common Equity Tier 1 (CET1) capital ratio stood at 14.90%, with Total Capital...

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