1155
Malayan Banking 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 | 6,956.662 | 4,822.784 | 5,165.39 | 5,321.592 |
| Interest expense | -3,462.412 | -3,035.039 | -3,430.015 | -3,563.085 |
| Net interest income | 3,494.25 | 1,787.745 | 1,735.375 | 1,758.507 |
| Income from Islamic Banking Scheme operations | 2,285.657 | 2,092.827 | 2,210.435 | 2,064.354 |
| Insurance/takaful service result | 584.59 | 305.23 | 394.529 | 471.399 |
| Other operating income | 1,495.566 | 1,275.849 | 1,745.612 | 1,868.027 |
| Total operating income | 7,860.063 | 8,411.31 | 2,901.428 | 7,857.815 |
| Net insurance/takaful investment/finance result | -340.913 | -947.539 | -771.978 | -145.656 |
| Net operating income | 7,519.15 | 4,714.469 | 4,636.803 | 6,203.026 |
| Overhead expenses | -3,658.346 | -1,760.839 | -1,879.774 | -1,675.242 |
| Operating profit before impairment losses | 3,860.804 | 2,953.63 | 2,757.029 | 4,527.784 |
| Allowances for impairment losses on loans, advances, financing and other debts, net | -8.976 | - | -423.399 | -384.155 |
| Writeback of/(allowances for) impairment losses on loans, advances, financing and other debts, net | - | 254.394 | - | - |
| Allowances for impairment losses on financial investments, net | - | - | -43.168 | -0.752 |
| (Allowances for)/writeback of impairment losses on financial investments, net | -175.433 | -606.576 | - | - |
| Allowances for impairment losses on other assets and interest in an associate, net | -41.47 | - | - | - |
| Allowances for impairment losses on other financial assets, net | - | -1.736 | - | -8.738 |
| (Allowances for)/writeback of impairment losses on other financial assets, net | - | - | -8.034 | - |
| Operating profit | 3,634.925 | 3,456.994 | 3,424.771 | 3,542.836 |
| Share of profits in associates and joint ventures | 86.904 | 49.25 | 86.793 | 51.321 |
| Profit before taxation and zakat | 3,721.829 | 3,029.008 | 2,532.429 | 4,346.983 |
| Taxation and zakat | -955.404 | -338.949 | -396.976 | -438.849 |
| Profit for the financial period | - | 2,690.059 | 2,135.453 | 3,908.134 |
| Profit for the financial period/year | 2,766.425 | - | - | - |
| Earnings per share attributable to equity holders of the Bank - Basic/diluted | 0.022 | 0.022 | - | 0.021 |
| Net profit attributable to Equity holders of the Bank | - | - | 2,628.029 | - |
| Equity holders of the Bank | - | 2,621.404 | - | - |
| Non-controlling interests | - | 97.873 | - | - |
| Net profit attributable to Non-controlling interests | - | - | 74.229 | - |
| Basic/diluted EPS (cumulative 6 months) | - | - | 0 | - |
| Earnings per share attributable to equity holders of the Bank - Basic/diluted - Cumulative 9 Months | - | 0.065 | - | - |
| Dividends from subsidiaries | - | - | - | 2,576.492 |
| Dividends from subsidiaries and associates | - | 1,650.875 | 1,155.816 | - |
| (Allowances for)/writeback of impairment losses on loans, advances, financing and other debts, net | - | - | -47.425 | -171.311 |
| (Allowances for)/writeback of impairment on financial investments, net | - | 1.768 | -17.79 | - |
| (Allowances for)/writeback of impairment losses on other financial assets and investment in a subsidiary, net | - | - | -159.385 | - |
| Writeback of impairment losses on loans, advances, financing and other debts, net | - | 259.518 | - | - |
| Allowances for impairment losses on other financial assets and investment in a subsidiary, net | - | -185.908 | - | - |
| EPS (cumulative 6 months) | - | - | 0 | - |
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 | 28,328.14 | 38,657.526 | 45,922.071 | 33,692.363 |
| Deposits and placements with financial institutions | 14,030.366 | 9,999.112 | 19,775.646 | 16,903.596 |
| Financial assets purchased under resale agreements | 8,812.426 | 11,091.868 | 14,377.467 | 14,643.295 |
| Financial assets designated upon initial recognition at fair value through profit or loss | 12,905.693 | 12,862.369 | 12,952.629 | 12,936.11 |
| Financial investments at fair value through profit or loss | 46,066.479 | 44,687.941 | 35,805.67 | 38,248.881 |
| Financial investments at fair value through other comprehensive income | 116,964.234 | 118,270.261 | 117,254.044 | 132,379.345 |
| Financial investments at amortised cost | 80,786.44 | 84,086.843 | 83,789.112 | 85,557.271 |
| Loans, advances and financing to financial institutions | 907.213 | 1,129.851 | 1,388.943 | 1,523.789 |
| Loans, advances and financing to customers | 676,981.38 | 671,305.856 | 666,240.074 | 667,061.194 |
| Derivative assets | 17,640.228 | 16,238.07 | 18,152.331 | 17,506.199 |
| Insurance contract/takaful certificate assets | 103.165 | 104.859 | 116.363 | 108.284 |
| Reinsurance contract/retakaful certificate assets | 5,274.445 | 5,533.369 | 5,570.398 | 5,405.202 |
| Other assets | 17,316.342 | 25,287.303 | 24,521.05 | 25,065.147 |
| Investment properties | 1,042.622 | 1,038.553 | 1,038.547 | 1,038.776 |
| Statutory deposits with central banks | 11,958.915 | 12,736.768 | 11,976.324 | 15,769.305 |
| Investment in subsidiaries | 0 | 0 | 0 | 0 |
| Interest in associates and joint ventures | 1,832.384 | 1,824.018 | 1,811.608 | 1,985.277 |
| Property, plant and equipment | 2,458.303 | 2,342.077 | 2,314.67 | 2,267.056 |
| Right-of-use assets | 1,924.027 | 2,025.998 | 2,105.253 | 2,199.41 |
| Intangible assets | 6,532.573 | 6,600.15 | 6,706.257 | 6,831.337 |
| Deferred tax assets | 1,718.218 | 1,561.082 | 1,419.106 | 1,486.751 |
| TOTAL ASSETS | 1,053,583.593 | 1,067,383.874 | 1,073,237.563 | 1,082,608.588 |
| LIABILITIES | 0 | 0 | 0 | 0 |
| Customers' funding: | 0 | 0 | 0 | 0 |
| - Deposits from customers | 698,210.227 | 707,342.603 | 718,937.183 | 714,583.927 |
| - Investment accounts of customers¹ | 32,782.974 | 31,727.797 | 30,791.652 | 30,336.091 |
| Deposits and placements from financial institutions | 42,587.329 | 50,646.916 | 49,229.315 | 57,604.565 |
| Obligations on financial assets sold under repurchase agreements | 25,899.425 | 20,777.131 | 22,540.543 | 36,475.672 |
| Derivative liabilities | 24,535.876 | 21,345.711 | 24,202.758 | 19,978.5 |
| Financial liabilities at fair value through profit or loss | 9,583.737 | 10,806.621 | 11,098.668 | 12,296.797 |
| Bills and acceptances payable | 1,452.395 | 1,701.488 | 1,628.585 | 1,245.414 |
| Insurance contract/takaful certificate liabilities | 47,093.93 | 47,840.869 | 46,963.79 | 45,976.889 |
| Reinsurance contract/retakaful certificate liabilities | 32.762 | 40.864 | 52.272 | 40.889 |
| Other liabilities | 29,115.493 | 35,993.931 | 32,613.488 | 29,492.46 |
| Provision for taxation and zakat | 395.791 | 295.637 | 288.111 | 401.206 |
| Deferred tax liabilities | 814.707 | 852.972 | 777.804 | 736.181 |
| Borrowings | 28,207.145 | 23,775.979 | 23,166.967 | 25,065.638 |
| Subordinated obligations | 14,452.872 | 16,681.477 | 11,908.514 | 11,105.006 |
| Capital securities | 1,577.087 | 1,560.769 | 1,576.929 | 1,560.787 |
| TOTAL LIABILITIES | 956,741.75 | 971,390.765 | 975,776.579 | 986,900.022 |
| EQUITY ATTRIBUTABLE TO EQUITY HOLDERS OF THE BANK | 0 | 0 | 0 | 0 |
| Share capital | 54,882.333 | 54,882.314 | 54,882.314 | 54,877.233 |
| Shares held-in-trust | -0.078 | -1.764 | -1.764 | -1.764 |
| Retained profits | 37,756.235 | 35,100.382 | 35,531.184 | 32,769.766 |
| Reserves | 806.137 | 2,688.631 | 3,761.183 | 4,774.482 |
| TOTAL EQUITY ATTRIBUTABLE TO EQUITY HOLDERS OF THE BANK | 93,444.627 | 92,669.563 | 94,172.917 | 92,419.717 |
| Non-controlling interests | 3,397.216 | 3,323.546 | 3,288.067 | 3,288.849 |
| TOTAL EQUITY | 96,841.843 | - | - | 95,708.566 |
| TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY | 1,053,583.593 | 1,067,383.874 | 1,073,237.563 | 1,082,608.588 |
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 | 14,333.794 | 10,611.965 | 7,105.721 | 3,594.157 |
| Adjustments for: | 0 | - | 0 | 0 |
| Share of profits in associates and joint ventures | -274.268 | -187.364 | -138.114 | -51.321 |
| Depreciation of property, plant and equipment | 312.192 | 239.185 | 158.007 | 77.884 |
| Depreciation of right-of-use assets | 503.389 | 378.778 | 253.496 | 127.053 |
| Amortisation of intangible assets | 269.288 | 201.038 | 133.833 | 67.35 |
| Gain on disposal of property, plant and equipment | -10.124 | -1.222 | -0.729 | -0.551 |
| Net gain on liquidation of subsidiaries | 0 | - | - | - |
| Excess of capital repayment of a subsidiary | 0 | - | - | - |
| Net (gain)/loss on change in structure/disposal of deemed controlled structured entities | -4.713 | - | - | - |
| Net loss/(gain) on dilution/disposal of interest in associate | 0.267 | 0.269 | - | - |
| Net gain on disposal of financial assets at fair value through profit or loss | -523.254 | -469.49 | -179.562 | -87.029 |
| Net gain on disposal of financial investments at fair value through other comprehensive income | -1,510.547 | -1,367.476 | -983.87 | -275.918 |
| Net gain on redemption of financial investments at amortised cost | -1.424 | -2.107 | - | - |
| Unrealised loss on revaluation of financial assets at fair value through profit or loss and derivatives | -133.249 | - | - | - |
| Unrealised gain on revaluation of financial liabilities at fair value through profit or loss | 66.401 | - | - | - |
| Allowances for impairment losses on loans, advances and financing, net | 1,402.82 | - | 1,128.917 | 504.28 |
| Allowances for impairment losses on other debts | 13.766 | - | - | - |
| Allowances for/(writeback of) impairment losses on financial investments, net | 847.242 | 671.809 | - | - |
| Allowances for impairment losses on other assets and investment in associate/subsidiary, net | 71.398 | - | - | - |
| Dividend income | -339.558 | -257.4 | -154.281 | -55.574 |
| Net gain on disposal/change in structure of deemed controlled structured entities | - | - | - | -5.959 |
| ESGP expenses | 183.819 | 114.651 | 56.165 | 28.02 |
| Other adjustments for non-operating and non-cash items | -63.797 | 149.039 | 83.284 | 38.482 |
| Net loss on dilution of interest in associate | - | - | 0.27 | 0.269 |
| Operating profit before working capital changes | 15,143.442 | 11,026.432 | 7,550.16 | 4,257.141 |
| Change in cash and short-term funds with original maturity of more than three months | 189.494 | 390.145 | -487.057 | 329.924 |
| Net (loss)/gain on disposal/change in structure of deemed controlled structured entities | - | - | -4.781 | - |
| Unrealised (gain)/loss on revaluation of financial assets at fair value through profit or loss and derivatives | - | -454.133 | -128.118 | -120.098 |
| Net (gain)/loss on disposal/change in structure of deemed controlled structured entities | - | -4.713 | - | - |
| Change in deposits and placements with financial institutions with original maturity of more than three months | 59.873 | -267.63 | 862.275 | 708.144 |
| Unrealised loss/(gain) on revaluation of financial liabilities at fair value through profit or loss | - | 244.628 | 122.598 | 374.621 |
| Change in financial investments portfolio | 97.623 | -3,000.438 | 5,915.814 | -15,411.877 |
| Change in loans, advances and financing | -33,957.719 | -17,876.273 | -9,887.925 | -4,680.062 |
| Change in insurance/reinsurance contract/ takaful/retakaful certificate assets | 608.281 | - | 299.066 | 471.749 |
| Writeback of impairment losses on other debts | - | - | - | -0.748 |
| Allowances for impairment losses on financial investments, net | - | - | 65.233 | 22.065 |
| Change in statutory deposits with central banks | 5,208.646 | 4,431.084 | 5,191.528 | 1,397.94 |
| Allowances for impairment losses on other financial assets, net | - | 29.928 | - | 20.158 |
| Change in deposits from customers | 82.701 | 723.697 | 9,685.394 | 1,393.364 |
| Allowances for/(writeback of) impairment losses on other debts | - | 9.124 | 3.899 | - |
| Change in investment accounts of customers | 3,801.127 | 2,745.95 | 1,809.805 | 1,354.244 |
| Change in deposits and placements from financial institutions | -4,463.891 | 3,595.697 | 2,178.096 | 10,553.346 |
| Allowances for/(writeback of) impairment losses on loans, advances and financing, net | - | 1,119.923 | - | - |
| Change in financial liabilities at fair value through profit or loss | -1,798.477 | -1,097.406 | -505.334 | -112.432 |
| Allowances for/(writeback of) impairment losses on other financial assets, net | - | - | 28.192 | - |
| Change in insurance/reinsurance contract/takaful/retakaful certificate liabilities | 997.293 | - | - | -111.62 |
| Change in other operating activities | 2,413.797 | -7,536.482 | -10,140.487 | -3,497.373 |
| Cash (used in)/generated from operations | -11,617.81 | -4,765.434 | - | -3,347.512 |
| Taxes and zakat paid | -3,332.985 | -2,461.946 | -1,546.345 | -530.33 |
| Net cash (used in)/generated from operating activities | -14,950.795 | - | - | -3,877.842 |
| Cash flows from investing activities | 0 | 0 | 0 | 0 |
| Dividends received from: | 0 | 0 | 0 | - |
| - financial investments portfolio | 339.558 | 257.4 | 154.281 | - |
| - subsidiaries | 5,536.04 | 0 | 0 | - |
| - associates | 1.66 | - | - | - |
| Change in insurance/reinsurance contract/takiful/retakiful certificate assets | - | 347.456 | - | - |
| Purchase of property, plant and equipment | -565.967 | -339.502 | -217.013 | -73.808 |
| Purchase of intangible assets | -506.708 | -242.211 | -113.471 | -37.402 |
| Purchase of investment properties | -3.638 | -0.457 | -0.287 | -0.287 |
| Purchase of additional ordinary shares in existing subsidiaries | -2,108.564 | 0 | -1,372.894 | -1,372.894 |
| Change in insurance/reinsurance contract/takafull/retakafull certificate liabilities | - | - | 886.664 | - |
| Divestment of interest in associates | 0 | 0 | - | - |
| Proceeds from disposal of property, plant and equipment | 11.935 | 10.15 | 5.532 | 6.731 |
| Proceeds from partial disposal of a deemed controlled structured entity | 0 | 0 | 0 | - |
| Change in insurance/reinsurance contract/takiful/retakiful certificate liabilities | - | 1,752.334 | - | - |
| Cash generated from/(used in) operations | - | - | 13,357.999 | - |
| Dividends received from: - financial investments portfolio | - | - | - | 55.574 |
| Proceeds from disposal of a deemed controlled structured entity | 0 | - | - | - |
| Purchase of shares in deemed controlled structured entities | 0 | -22.15 | -22.15 | -22.15 |
| Dividends received from: - subsidiaries | - | - | - | 2,576.492 |
| Net cash generated from/(used in) from operating activities | - | - | 11,811.654 | - |
| Net effect arising from transaction with non-controlling interests | 4.713 | 4.713 | 4.781 | 0 |
| Net effect arising from capital repayment of a subsidiary | 203.98 | - | - | - |
| Net cash (used in)/generated from from operating activities | - | -7,227.38 | - | - |
| Net cash (used in)/generated from investing activities | -720.107 | -309.907 | -166.177 | -49.192 |
| Cash flows from financing activities | 0 | 0 | 0 | 0 |
| Drawdown/(repayment) of borrowings, net | 1,778.628 | - | - | - |
| - associate | - | 1.66 | 0 | - |
| Issuance of subordinated obligations | 5,550 | 5,550 | 750 | 0 |
| Redemption of subordinated obligations | -2,300 | 0 | 0 | 0 |
| Redemption of capital securities | 0 | 0 | - | - |
| Repayment of lease liabilities | -557.497 | -168.924 | -186.357 | -149.926 |
| Dividends paid | -7,485.756 | -7,485.756 | -3,861.425 | -3,861.425 |
| (Repayment)/drawdown of borrowings, net | - | -3,591.814 | -4,438.586 | -3,221.128 |
| Dividends paid to non-controlling interests | -126.907 | -127.666 | -95.686 | -6.645 |
| Net cash used in financing activities | -3,141.532 | -5,824.16 | - | -7,239.124 |
| Net (decrease)/increase in cash and cash equivalents | -18,812.434 | -13,361.447 | - | -11,166.158 |
| Cash and cash equivalents at beginning of the financial year | 60,775.847 | - | - | - |
| Effects of foreign exchange rate changes | -1,382.581 | -673.601 | -534.22 | 3.7 |
| Cash and cash equivalents at end of the financial year | 40,580.832 | - | - | - |
| Cash and cash equivalents comprise: | 0 | 0 | 0 | 0 |
| Cash and short-term funds | 28,354.404 | 38,678.691 | 45,958.51 | 33,726.428 |
| Cash and cash equivalents at beginning of the financial period | - | 60,775.848 | 60,775.848 | 60,775.848 |
| Deposits and placements with financial institutions | 14,034.312 | 9,996.844 | 19,778.573 | 16,906.144 |
| Less: Cash and short-term funds and deposits and placements with financial institutions, with original maturity of more than three months | -1,747.006 | -1,934.735 | -1,682.032 | -1,019.182 |
| Cash and cash equivalents at end of the financial period | - | 46,740.8 | 64,055.051 | 49,613.39 |
| Less: Restricted deposits and placements with financial institutions | -60.878 | - | - | - |
| Net cash (used in)/generated from financing activities | - | - | -7,832.054 | - |
| Net increase/(decrease) in cash and cash equivalents | - | - | 3,813.423 | - |
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