1066
RHB Bank Berhad
Sector: Financial Services | Market: MAIN
Key Financials
Extracted from official Bursa Malaysia quarterly filings. Latest 4 quarters, side by side.
Q4 FY2025Q3 FY2025Q2 FY2025Q1 FY2025
Income Statement
| Metric | Q4 FY2025 RM '000 | Q3 FY2025 RM '000 | Q2 FY2025 RM '000 | Q1 FY2025 RM '000 |
|---|---|---|---|---|
| Interest income | 2,386.485 | 7,436.847 | 2,486.764 | 2,510.175 |
| Interest expense | -1,390.402 | -4,548.825 | -1,520.571 | -1,540.391 |
| Net interest income | 996.083 | 2,888.022 | 966.193 | 969.784 |
| Other operating income | 488.757 | 1,969.46 | 440.401 | 520.333 |
| Income from Islamic Banking business | -0.559 | 1,584.233 | 5.687 | 557.519 |
| Net income | 1,484.281 | 6,441.715 | 1,412.281 | 2,047.636 |
| Other operating expenses | -691.527 | -3,024.338 | -653.636 | -970.678 |
| Operating profit before allowances | 792.754 | 3,417.377 | 758.645 | 1,076.958 |
| Allowance for credit losses on financial assets | 37.333 | -202.458 | -154.002 | -105.788 |
| Operating profit after allowances | - | - | - | 971.17 |
| Impairment losses made on other non-financial assets | -19.42 | - | - | - |
| Profit before taxation and zakat | 1,187.904 | 3,190.579 | 1,041.893 | 962.666 |
| Share of results of associates | - | - | - | -8.504 |
| Taxation and zakat | -280.686 | -728.924 | -237.072 | -211.89 |
| Net profit for the financial period | - | 2,461.655 | 453.737 | 750.776 |
| Earnings per share - Basic (sen) | - | 0.056 | 0.018 | - |
| Net profit for the financial period/year | 616.704 | - | - | - |
| Earnings per share - Diluted (sen) | - | - | 0.018 | - |
| Earnings per share - Basic (Group) | 0.021 | - | - | - |
| Earnings per share (Basic) | - | - | - | 0.017 |
| Earnings per share - Diluted (Group) | 0.021 | - | - | - |
| Profit before taxation | 810.667 | - | 604.643 | - |
| Taxation | -193.963 | - | -150.906 | - |
Balance Sheet
| Metric | Q4 FY2025 RM '000 | Q3 FY2025 RM '000 | Q2 FY2025 RM '000 | Q1 FY2025 RM '000 |
|---|---|---|---|---|
| ASSETS | 0 | 0 | 0 | 0 |
| Cash and short-term funds | 6,647.983 | 7,633.532 | 8,705.08 | 7,701.005 |
| Securities purchased under resale agreements | 34.474 | 123.863 | 61.449 | 117.263 |
| Deposits and placements with banks and other financial institutions | 548.947 | 433.36 | 881.65 | 453.997 |
| Investment account due from designated financial institutions | 0 | 0 | 0 | 0 |
| Financial assets at fair value through profit or loss ('FVTPL') | 5,858.917 | 6,444.863 | 6,341.474 | 6,791.622 |
| Financial assets at fair value through other comprehensive income ('FVOCI') | 56,023.912 | 57,434.103 | 54,249.22 | 53,409.067 |
| Financial investments at amortised cost | 27,815.41 | 29,984.093 | 31,833.315 | 32,754.314 |
| Loans, advances and financing | 247,910.408 | 242,581.637 | 238,556.6 | 236,363.035 |
| Clients' and brokers' balances | 848.739 | 1,021.451 | 833.125 | 1,074.98 |
| Insurance/reinsurance contract assets | 470.85 | 488.31 | 490.379 | 503.653 |
| Other assets | 2,075.385 | 2,546.469 | 2,033.018 | 2,530.466 |
| Derivative assets | 2,452.598 | 2,001.616 | 2,489.738 | 1,727.954 |
| Statutory deposits | 2,286.38 | 2,448.771 | 2,294.018 | 4,195.086 |
| Tax recoverable | 80.447 | 93.282 | 79.71 | 129.906 |
| Deferred tax assets | 523.223 | 458.505 | 158.826 | 237.149 |
| Investments in subsidiaries | 0 | 0 | 0 | 0 |
| Investments in associates | 64.675 | 63.403 | 76.117 | 97.085 |
| Right-of-use assets | 111.586 | 110.949 | 118.25 | 125.834 |
| Property, plant and equipment | 989.733 | 1,011.582 | 1,028.525 | 1,013.875 |
| Goodwill | 2,649.307 | 2,649.307 | 2,649.307 | 2,649.307 |
| Intangible assets | 818.394 | 803.15 | 818.833 | 830.111 |
| TOTAL ASSETS | 358,104.242 | 358,239.687 | 353,595.591 | 352,537.474 |
| LIABILITIES | 0 | 0 | 0 | 0 |
| Deposits from customers | 252,537.199 | 253,699.478 | 250,919.697 | 248,519.871 |
| Deposits and placements of banks and other financial institutions | 31,017.827 | 32,333.298 | 30,264.96 | 31,844.771 |
| Obligations on securities sold under repurchase agreements | 7,440.728 | 8,919.938 | 9,123.16 | 11,071.557 |
| Investment accounts | 11.004 | 250.683 | 1,364.773 | 1,105.364 |
| Bills and acceptances payable | 283.233 | 167.027 | 172.4 | 211.838 |
| Insurance/reinsurance contract liabilities | 1,186.59 | 1,209.029 | 1,214.601 | 1,215.16 |
| Other liabilities | 9,226.929 | 7,963.841 | 6,746.913 | 7,789.672 |
| Derivative liabilities | 2,808.567 | 2,079.953 | 2,875.105 | 1,449.401 |
| Recourse obligation on loans sold to Cagamas Berhad ('Cagamas') | 2,772.403 | 3,021.454 | 3,115.623 | 3,111.006 |
| Provision for taxation and zakat | 97.704 | 412.964 | 117.744 | 85.773 |
| Deferred tax liabilities | 14.673 | 22.906 | 20.215 | 21.281 |
| Lease liabilities | 122.306 | 121.262 | 128.418 | 136.339 |
| Borrowings | 5,144.411 | 2,471.243 | 2,484.842 | 2,590.307 |
| Senior debt securities | 7,019.953 | 7,467.658 | 7,409.923 | 6,663.138 |
| Subordinated obligations | 3,381.872 | 3,394.853 | 3,385.127 | 3,391.173 |
| TOTAL LIABILITIES | 323,914.138 | 324,557.038 | 320,176.626 | 320,281.631 |
| EQUITY | 0 | 0 | 0 | 0 |
| Share capital | 8,701.097 | 8,701.097 | 8,687.255 | 8,687.255 |
| Reserves | 25,445.021 | 24,939.008 | 24,691.165 | 23,528.769 |
| Equity attributable to holders of the Bank | 34,146.118 | 33,640.105 | 33,378.42 | 32,216.024 |
| Non-controlling interests ('NCI') | 43.986 | 42.544 | 40.545 | 39.819 |
| TOTAL EQUITY | 34,190.104 | 33,682.649 | 33,418.965 | 32,255.843 |
| TOTAL LIABILITIES AND EQUITY | 358,104.242 | 358,239.687 | 353,595.591 | 352,537.474 |
Cash Flow Statement
| Metric | Q4 FY2025 RM '000 | Q3 FY2025 RM '000 | Q2 FY2025 RM '000 | Q1 FY2025 RM '000 |
|---|---|---|---|---|
| Cash flows from operating activities | 0 | 0 | 0 | 0 |
| Profit before taxation and zakat | 4,378.483 | 3,190.579 | 2,004.559 | 962.666 |
| Adjustments for: | 0 | 0 | 0 | 0 |
| Allowance for credit losses on loans, advances and financing | 731.505 | 615.348 | 429.856 | 177.364 |
| Allowance charge for credit losses on other financial assets | - | 2.659 | - | - |
| Property, plant and equipment: - Depreciation | - | 103.873 | 69.464 | 34.502 |
| Property, plant and equipment: - Gain on disposal | - | -0.052 | -0.052 | -0.05 |
| Allowance written back for credit losses on other financial assets | - | - | - | -1.111 |
| Property, plant and equipment: - Written off | - | 0.416 | 0.033 | 0.01 |
| Intangible assets: - Amortisation | - | 145.905 | 96.796 | 48.089 |
| Intangible assets: - Written off | - | 0 | 0 | 0 |
| Right-of-use assets: - Depreciation | - | 49.502 | 32.897 | 16.206 |
| Right-of-use assets: - Gain on modification | - | -0.026 | -0.019 | -0.009 |
| Share-based payment expenses | 15.62 | 8.961 | 10.719 | 5.364 |
| Net allowance written back on financial assets at FVOCI and financial investments at amortised cost | -123.52 | -109.42 | - | 6.995 |
| Net gain on financial instruments | -620.539 | -446.149 | -83.055 | - |
| Dividend income from financial assets at FVTPL and financial assets at FVOCI | -80.284 | -66.569 | -48.626 | -32.193 |
| Net loss/(gain) on financial instruments | - | - | - | 28.845 |
| Share of results of associates | 27.659 | 24.34 | 16.646 | 8.504 |
| Gain on disposal of subsidiaries | -11.427 | -11.427 | - | - |
| Allowance charge/(written back) for credit losses on other financial assets | 10.586 | - | 0.256 | - |
| (Gain)/Loss on liquidation of subsidiaries | -25.29 | -25.29 | - | - |
| Interest expense on borrowings, senior debt securities, subordinated obligations and lease liabilities | 492.559 | 360.062 | 234.924 | 118.824 |
| Allowance for credit losses on foreclosed properties | 4.912 | - | - | - |
| Other non-cash items | -3,526.268 | -2,627.239 | -1,748.511 | -812.894 |
| Property, plant and equipment: | 0 | - | - | - |
| Operating profit before working capital changes | 1,675.817 | 1,215.473 | 974.27 | 561.112 |
| - Depreciation | 66.1 | - | - | - |
| Increase/(Decrease) in operating assets | 0 | 0 | 0 | 0 |
| Cash and short-term funds and deposits and placements with banks and other financial institutions with original maturity of more than one month | -661.015 | 1,098.365 | 565.236 | 782.826 |
| - Gain on disposal | -0.486 | - | - | - |
| - Written off | 0.327 | - | - | - |
| Securities purchased under resale agreements | 24.881 | -64.508 | -2.094 | -57.908 |
| - Impairment losses | 0 | - | - | - |
| Financial assets at FVTPL | 203.658 | -630.671 | -578.126 | -1,079.856 |
| Loans, advances and financing | -15,175.117 | -8,267.365 | -3,889.953 | -1,389.911 |
| Net allowance (written back)/charge on financial assets at FVOCI and financial investments at amortised cost | - | - | -20.163 | - |
| Intangible assets: | 0 | - | - | - |
| Clients' and brokers' balances | 7.106 | 179.788 | -8.583 | 233.272 |
| - Amortisation | 196.438 | - | - | - |
| Other assets | 407.994 | 211.34 | 45.977 | 340.531 |
| Statutory deposits | 1,507.667 | 1,365.159 | 1,534.889 | -365.922 |
| Gain on disposal of a subsidiary | - | - | -11.427 | - |
| (Increase)/Decrease in operating assets total | - | - | - | -1,922.055 |
| Total (Increase)/Decrease in operating assets | - | -6,459.404 | - | - |
| Right-of-use assets: | 0 | - | - | - |
| Increase/(Decrease) in operating liabilities: | 0 | 0 | 0 | 0 |
| Gain on liquidation of a subsidiary | - | - | -10.027 | - |
| Deposits from customers | 4,816.471 | 4,334.387 | 1,368.665 | -1,253.67 |
| - Gain on modification | -0.113 | - | - | - |
| Deposits and placements of banks and other financial institutions | 4,223.109 | 5,079.472 | 3,010.511 | 4,572.007 |
| Obligations on securities sold under repurchase agreements | -5,928.336 | -4,498.831 | -4,295.609 | -2,348.488 |
| Investment accounts | -683.631 | -1,008.121 | 105.969 | -153.44 |
| Bills and acceptances payable | 24.764 | -95.017 | -89.644 | -50.303 |
| Other liabilities | 3,418.466 | 1,404.303 | 970.34 | -647.636 |
| Recourse obligation on loans sold to Cagamas | 668.033 | 916.512 | 1,010.275 | 1,006.703 |
| Total Increase/(Decrease) in operating liabilities | - | 6,312.493 | - | - |
| (Increase)/Decrease in operating liabilities total | - | - | - | 1,358.445 |
| Cash used in operations | - | - | - | -2.498 |
| Cash generated from/(used in) operations | - | 1,068.562 | 748.389 | - |
| Interest paid | -527.602 | -289.918 | -225.198 | -57.069 |
| Total change in operating assets | - | - | -2,297.805 | - |
| Net tax and zakat paid | - | -743.792 | -430.549 | -218.943 |
| Net cash generated from/(used in) operating activities | - | 34.852 | 92.642 | - |
| Net cash used in operating activities | - | - | - | -278.51 |
| Cash flows from investing activities | 0 | 0 | 0 | 0 |
| Net purchase of financial assets at FVOCI and financial investments at amortised cost | -2,302.918 | -3,966.391 | -3,160.042 | -3,707.147 |
| Property, plant and equipment: - Purchase | - | -108.451 | -82.188 | -30.78 |
| Property, plant and equipment: - Proceeds from disposal | - | 0.056 | 0.055 | 0.05 |
| Intangible assets: - Purchase | - | -106.947 | -78.807 | -40.494 |
| Financial assets at FVOCI and financial investments at amortised cost: - Interest income received | - | 1,665.726 | 1,154.842 | 446.575 |
| Financial assets at FVOCI and financial investments at amortised cost: - Investment income received | - | 411.647 | 308.817 | 147.121 |
| Dividend income received from financial assets at FVTPL and financial assets at FVOCI | 80.284 | 66.569 | 48.626 | 32.193 |
| Net cash inflow from disposal of subsidiaries | 6.688 | 6.688 | - | - |
| Net capital injection in associates | - | -13.208 | - | -31.054 |
| Total change in operating liabilities | - | - | 2,071.924 | - |
| Net cash used in investing activities | - | -2,044.311 | -1,820.237 | -3,183.536 |
| Cash flows from financing activities | 0 | 0 | 0 | 0 |
| Drawdown of borrowings | 3,957.821 | 420.734 | 0 | 330.05 |
| Repayment of borrowings | -1,170.418 | -439.579 | -9.029 | -344.752 |
| Proceeds from issuance of senior debt securities | 950 | 950 | 950 | 50 |
| Redemption of senior debt securities | -300 | 0 | 0 | 0 |
| Proceeds from issuance of subordinated notes | - | 500 | 500 | - |
| Cash (used in)/generated from operations | -3,917.291 | - | - | - |
| Principal lease payments | -70.654 | -53.241 | -35.602 | -16.805 |
| Net cash generated from/(used in) financing activities | 1,491.275 | - | - | 18.493 |
| Redemption of subordinated notes | - | -500 | -500 | - |
| Zakat paid | -12 | - | - | - |
| Net decrease in cash and cash equivalents | -3,752.026 | -3,007.019 | -2,043.413 | -3,443.553 |
| Dividends paid to equity holders of the Bank | -1,874.944 | -1,874.944 | -1,220.657 | - |
| Effects of exchange rate differences | -450.843 | -149.281 | -138.928 | 17.846 |
| Tax paid | -1,310.217 | - | - | - |
| Cash and cash equivalents: - at the beginning of the financial period | - | 10,738.784 | 10,738.784 | 10,738.784 |
| Dividends paid to NCI | -0.53 | -0.53 | -0.53 | - |
| Net cash (used in)/generated from operating activities | -5,767.11 | - | - | - |
| Cash and cash equivalents: - at the end of the financial period | - | 7,582.484 | 8,556.443 | 7,313.077 |
| Net cash used in financing activities | - | -997.56 | -315.818 | - |
| Cash and cash equivalents comprise the following: - Cash and short-term funds | - | 7,633.532 | 8,705.08 | 7,701.005 |
| Net cash inflow/(outflow) from disposal of a subsidiary | - | - | 6.688 | - |
| Net capital injection/redemption in associates | - | - | -18.228 | - |
| Cash and cash equivalents comprise the following: - Deposits and placements with banks and other financial institutions | - | 433.36 | 881.65 | 453.997 |
| Less: - Cash and short-term funds and deposits and placements with banks and other financial institutions with original maturity of more than one month | - | -484.408 | -1,030.287 | -841.925 |
| - Purchase | -174.433 | - | - | - |
| - Proceeds from disposal | 0.771 | - | - | - |
| Cash and cash equivalents comprise the following: | 0 | 0 | - | - |
| Financial assets at FVOCI and financial investments at amortised cost: | 0 | - | - | - |
| - Interest income received | 2,402.688 | - | - | - |
| - Investment income received | 657.418 | - | - | - |
| Redemption/(Acquisition) of equity interest in associates | 19.783 | - | - | - |
| Capital injection in associates | -36.99 | - | - | - |
| Net cash generated from/(used in) investing activities | 523.809 | - | - | - |
| Proceeds from issuance of subordinated notes/sukuk | 1,000 | - | - | - |
| Redemption of subordinated notes/sukuk | -1,000 | - | - | - |
| Cash and cash equivalents: | 0 | - | - | - |
| - at the beginning of the financial year | 10,738.784 | - | - | - |
| - at the end of the financial year | 6,535.915 | - | - | - |
| - Cash and short-term funds | 6,647.983 | - | - | - |
| - Deposits and placements with banks and other financial institutions | 548.947 | - | - | - |
| Less: | 0 | - | - | - |
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