RHB Bank (RHBBANK) investor relations material

Executive summary

• Net profit for the first half of 2026 rose 7.1% year-over-year to RM1,663.9 million, driven by higher net funding income and lower credit loss allowances, partially offset by increased operating expenses and lower non-fund based income.

• Total assets increased 5.9% from December 2025 to RM379.2 billion, with shareholders' equity at RM34.0 billion and net assets per share at RM7.81 as of 30 June 2026.

Financial highlights

• Net interest income for the group was RM2,045.8 million for the first half, up from RM1,962.7 million year-over-year.

• Other operating income and Islamic banking income totaled RM2,310.9 million for the period.

• Operating profit before allowances reached RM2,319.3 million, up from RM2,216.4 million year-over-year.

• Cost-to-income ratio improved to 46.8% from 47.3% a year ago.

• Earnings per share (basic) increased to 38.15 sen from 35.64 sen year-over-year.

Outlook and guidance

• Management remains cautiously optimistic for the remainder of 2026, expecting Malaysia's economy to remain resilient, supported by domestic demand and stable labor markets.

• The banking sector is projected to maintain strong capital and liquidity positions, with monetary policy expected to remain data-dependent.

• The group will focus on sustainable growth, prudent risk management, and supporting customers amid evolving market conditions.