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Five-Year Group Financial Highlights

FINANCIAL YEAR ENDED DECEMBER	RHB BANK GROUP
FINANCIAL YEAR ENDED DECEMBER	2023	2022	2021	2020	2019
Profit before taxation	3,753	4,133	3,529	2,644	3,394
Net profit attributable to equity holders of the Bank	2,806	2,678	2,618	2,033	2,482

FINANCIAL YEAR ENDED DECEMBER	RHB BANK GROUP
FINANCIAL YEAR ENDED DECEMBER	2023	2022	2021	2020	2019
Total assets	328,692	310,752	289,541	271,150	257,592
Gross loans, advances and financing	222,416	212,200	198,512	186,114	176,175
Total liabilities	297,781	281,988	261,511	244,093	231,782
Deposits from customers	245,083	227,160	218,733	203,471	190,555
Paid-up capital	8,330	8,146	7,613	6,994	6,994
Shareholders' equity	30,875	28,732	27,998	27,024	25,775
Commitments and contingencies	246,063	206,796	157,777	157,480	150,428

FINANCIAL YEAR ENDED DECEMBER	RHB BANK GROUP
FINANCIAL YEAR ENDED DECEMBER	2023	2022	2021	2020	2019
Dividend per RM1.00 share (sen)	40.00	40.00	40.00	17.65	31.00
Net assets per RM1.00 share (RM)	7.20	6.76	6.76	6.74	6.43
Net tangible assets per RM1.00 share (RM)	6.39	5.96	5.95	5.92	5.61
Basic earnings per RM1.00 share (sen)	65.7	64.0	64.7	50.7	61.9
Share price (RM)	5.45	5.79	5.37	5.45	5.78
Market Capitalisation (RM Million)	23,361	24,592	22,247	21,855	23,178

FINANCIAL YEAR ENDED DECEMBER	RHB BANK GROUP
FINANCIAL YEAR ENDED DECEMBER	2023	2022	2021	2020	2019
Net Return on Average Equity^N1	9.5	9.6	9.6	7.7	10.3
Net return on average assets	0.9	0.9	0.9	0.8	1.0
Cost-to-income	47.5	44.2	45.2	47.1	48.0

N1 : After second interim dividend / proposed final dividend

FINANCIAL YEAR ENDED DECEMBER	RHB BANK GROUP
FINANCIAL YEAR ENDED DECEMBER	2023	2022	2021	2020	2019
Gross loans to deposits	90.8	93.4	90.8	91.5	92.5
Gross impaired loans ratio	1.74	1.55	1.49	1.71	1.97

FINANCIAL YEAR ENDED DECEMBER	RHB BANK GROUP
FINANCIAL YEAR ENDED DECEMBER	2023	2022	2021	2020	2019
Dividend yield	7.3	6.9	7.4	3.2	5.4
Dividend payout ratio	61.1	63.2	62.9	34.8	50.1
Price to earnings multiple (times)	8.3	9.0	8.3	10.7	9.3
Price to book multiple (times)	0.8	0.9	0.8	0.8	0.9

Analysis of Shareholdings

Shareholders	No. Of Shares	%
Employees Provident Fund Board	1,639,607,500	37.61
OSK Holdings Berhad	447,768,886	10.27
Kumpulan Wang Persaraan (Diperbadankan)	217,358,560	4.99
Others: Local	1,233,240,731	28.29
Others: Foreign	821,513,873	18.84
Total	4,359,489,550	100.00

As at 29 November 2024

Foreign Shareholdings

MONTH	2024	2023	2022	2021	2020
Jan	15.27%	17.27%	18.15%	18.88%	25.65%
Feb	15.51%	17.09%	18.20%	18.54%	25.53%
Mar	15.41%	17.26%	18.05%	18.76%	24.90%
Apr	14.55%	16.76%	18.64%	18.90%	24.30%
May	13.97%	16.57%	17.96%	18.96%	23.70%
Jun	13.93%	16.11%	17.21%	19.00%	23.27%
Jul	14.64%	16.03%	16.95%	18.50%	22.84%
Aug	16.01%	16.23%	17.26%	18.48%	22.70%
Sep	16.56%	15.95%	17.26%	18.69%	22.35%
Oct	17.05%	15.75%	16.65%	18.82%	21.94%
Nov	18.84%	15.74%	17.78%	18.24%	21.80%
Dec		15.56%	17.50%	18.10%	19.15%

Note: Position at the end of the month