Malaysia

Investor Relations

Overview
Overview of the RHB Banking Group
Business Pillars
Key Financial Information
Capital & Debt Issuance
Credit Ratings
Capital & Debt Instruments
Dividend
Dividend History
Dividend Reinvestment Plan
Corporate Announcement

Overview of the RHB Banking Group

  • Fourth largest fully integrated financial services group in Malaysia
  • Core businesses are streamlined into the following business pillars:
  • Group Retail Banking
  • Group Business & Transaction Banking
  • Group Wholesale Banking
  • Singapore Business Operations
  • Group Shariah Business
  • Group International Business
  • Group Insurance
  • Group Wholesale Banking consists of:
  • Corporate Banking
  • Investment Banking
  • Client Coverage
  • Group Treasury & Global Markets
  • Asset Management
  • Private Equity
  • Main subsidiaries:
  • RHB Investment Bank Berhad
  • RHB Islamic Bank Berhad
  • RHB Insurance Berhad
  • Asset Management and Unit Trust businesses are undertaken by:
  • RHB Asset Management Sdn Bhd
  • RHB Islamic International Asset Management Berhad
  • The Group's regional presence now spans ten countries including Malaysia, Singapore, Indonesia, Thailand, Brunei, Cambodia, Myanmar, Hong Kong (with a representative office in China), Vietnam and Lao PDR. To view our regional presence, please click the link below:
Overview
Overview of the RHB Banking Group
  • Fourth largest fully integrated financial services group in Malaysia
  • Core businesses are streamlined into the following business pillars:
  • Group Retail Banking
  • Group Business & Transaction Banking
  • Group Wholesale Banking
  • Singapore Business Operations
  • Group Shariah Business
  • Group International Business
  • Group Insurance
  • Group Wholesale Banking consists of:
  • Corporate Banking
  • Investment Banking
  • Client Coverage
  • Group Treasury & Global Markets
  • Asset Management
  • Private Equity
  • Main subsidiaries:
  • RHB Investment Bank Berhad
  • RHB Islamic Bank Berhad
  • RHB Insurance Berhad
  • Asset Management and Unit Trust businesses are undertaken by:
  • RHB Asset Management Sdn Bhd
  • RHB Islamic International Asset Management Berhad
  • The Group's regional presence now spans ten countries including Malaysia, Singapore, Indonesia, Thailand, Brunei, Cambodia, Myanmar, Hong Kong (with a representative office in China), Vietnam and Lao PDR. To view our regional presence, please click the link below:
Business Pillars

GROUP RETAIL AND COMMERCIAL BANKING

  • Retail Banking, Business Banking, Transaction Banking, Treasury & Global Markets, Islamic Banking & Insurance
    Distribution Network/ Channel:
  • 210 branches in Malaysia with 198 RHB conventional bank branches and 12 RHB Islamic branches
  • Over 2,300 self-service terminals ("SSTs")
  • 19 branches overseas

GROUP CORPORATE AND INVESTMENT BANKING

  • RHB Investment Bank is now the largest investment bank by asset size in Malaysia, with regional presence in Singapore, Thailand, Indonesia, Cambodia and China (Hong Kong & Shanghai)
  • Beyond ASEAN, RHBIB has also expanded its regional reach through strategic partnerships that provide its clients greater access to a wider range of financial products and services globally
  • These partnerships also allow the Investment Bank to also access global research and significant investment opportunities

GROUP INTERNATIONAL BUSINESS

  • At present, RHB has international commercial banking network in Singapore, Thailand, Brunei, Cambodia, Vietnam and Lao PDR with expansion plans into Myanmar
  • The Group's international coverage enables it to deliver a comprehensive range of financial services to its customers across ASEAN

Key Financial Information
OPERATING RESULTS (RM Million)
FINANCIAL YEAR ENDED DECEMBER RHB BANK GROUP RHB CAPITAL GROUP
2017 2016 Restated 2015 2014 2013
Profit before taxation 2,558 2,232 2,251 2,735 2,471
Net profit attributable to equity holders of the Bank 1,950 1,682 1,665 2,038 1,831
KEY BALANCE SHEET DATA (RM Million)
FINANCIAL YEAR ENDED DECEMBER RHB BANK GROUP RHB CAPITAL GROUP
2017 2016 Restated 2015 2014 2013
Total assets 230,210 236,679 227,938 219,354 191,090
Gross loans, advances and financing 160,124 154,469 151,386 142,486 121,753
Total liabilities 207,025 214,905 210,246 200,460 174,147
Deposits from customers 166,158 165,636 158,158 157,134 137,741
Paid-up capital 6,994 4,010 3,461 2,572 2,547
Shareholders' equity 23,150 21,745 17,668 18,794 16,739
Commitments and contingencies 172,226 196,190 186,078 133,504 100,232
SHARE INFORMATION
FINANCIAL YEAR ENDED DECEMBER RHB BANK GROUP RHB CAPITAL GROUP
2017 2016 Restated 2015 2014 2013
Dividend per RM1.00 share (sen) 15.00 12.00 16.33 6.00 16.30
Net assets per RM1.00 share (RM) 5.8 5.4 5.1 7.3 6.6
Net tangible assets per RM1.00 share (RM) 5.0 4.7 4.2 5.3 4.5
Basic earnings per RM1.00 share (sen) 48.6 43.6 48.4 79.7 72.9
Share price (RM) 5.00 4.71 4.35N1 7.62 7.90
Market Capitalisation (RM Million) 20,050 18,887 17,444N2 19,602 20,121
FINANCIAL RATIOS (%)
FINANCIAL YEAR ENDED DECEMBER RHB BANK GROUP RHB CAPITAL GROUP
2017 2016 Restated 2015 2014 2013
Net return on average equity 8.7 8.5 10.0 11.5 11.5
Net return on average assets 0.8 0.7 0.7 1.0 1.0
Cost-to-income 49.9 50.0 58.8 54.7 51.3
ASSET QUALITY RATIOS (%)
FINANCIAL YEAR ENDED DECEMBER RHB BANK GROUP RHB CAPITAL GROUP
2017 2016 Restated 2015 2014 2013
Gross loans to deposits 96.4 93.3 95.7 90.7 88.4
Gross impaired loans ratio 2.23 2.43 1.88 2.03 2.81
VALUATION ON SHARES (%)
FINANCIAL YEAR ENDED DECEMBER RHB BANK GROUP RHB CAPITAL GROUP
2017 2016 Restated 2015 2014 2013
Dividend yield 3.0 2.5 3.7N1 0.8 2.1
Dividend payout ratio 30.8 28.6 33.9 7.6 22.6
Price to earnings multiple (times) 10.3 10.8 9.0 9.6 10.8
Price to book multiple (times) 0.9 0.9 0.9 1.0 1.2

Note:
N1 : Share price for RHB Bank in 2015 is based on share swap ratio of 1:1.3
N2 : Based on enlarged share base of RHB Bank after capital injection in April 2016

Capital & Debt Issuance
Credit Ratings
RHB Bank Berhad
Rating Agency Rating Classification Ratings
RAM Rating Services Berhad Long Term Financial Institution AA2
Short Term Financial Institution P1
Outlook Stable
Standard & Poor's Rating Services Long Term Counterparty BBB+
Short Term Counterparty A-2
Outlook Stable
Moody's Investors Service Long Term Bank Deposits A3
Short Term Bank Deposits P-2
Baseline Credit Assessment baa2
Outlook Stable
RHB Investment Bank Berhad
Rating Agency Rating Classification Ratings
RAM Rating Services Berhad Long Term Financial Institution AA2
Short Term Financial Institution P1
Outlook Stable
Standard & Poor's Rating Services Long Term Counterparty BBB+
Short Term Counterparty A-2
Outlook Stable
RHB Islamic Bank Berhad
Rating Agency Rating Classification Ratings
RAM Rating Services Berhad Long Term Financial Institution AA2
Short Term Financial Institution P1
Outlook Stable
Capital & Debt Instruments
Tier 1 Capital Instrument
Issuer Programme Description Amount Issued
(RM´million)
Coupon Rate
RHB Bank Berhad RM600.0 million Hybrid Tier 1 Capital Securities Programme for the issuance of Hybrid Tier 1 Capital Securities
View Documents
370 8.00%
230 6.75%
Subordinated Obligations
Issuer Programme Description Amount Issued
(RM´million)
Coupon Rate
RHB Bank Berhad RM3.0 billion Medium Term Note Programme for the issuance of Subordinated Notes and/or Senior Notes
View Documents
300 5.60%
1,000 4.99%
RHB Bank Berhad RM5.0 billion Multi-Currency Medium Term Note Programme for the issuance of Subordinated Notes and/or Senior Notes
View Documents
500 4.75%
750 4.82%
RHB Investment Bank Berhad RM1.0 billion Multi-Currency Medium Term Note Programme for the issuance of Subordinated Notes and/or Senior Notes
View Documents
200 4.95%
200 4.90%
RHB Islamic Bank Berhad RM5.0 billion Subordinated Sukuk Murabahah Programme for the issuance of Subordinated Sukuk Murabahah (Upsized from RM1.0 billion)
View Documents
500 4.95%
250 4.88%
Dividend
Dividend History
RHB BANK BERHAD
FINANCIAL YEAR TYPE EX-DATE PAYMENT DATE GROSS DIVIDEND
PER SHARE (SEN)
TOTAL NET DIVIDEND
(RM MILLION)
2018 Interim 18 Sept 2018 3 Oct 2018 7.50 300.75
2017
Final 4 Jun 2018
19 Jun 2018
10.00
401.01
Interim 29 Sept 2017 13 Oct 2017 5.00 200.50
2016 Final 15 May 2017 29 May 2017 7.00 280.70
Interim 13 Sept 2016 30 Sept 2016 5.00 200.50
RHB CAPITAL BERHAD
FINANCIAL YEAR TYPE EX-DATE PAYMENT DATE GROSS DIVIDEND
PER SHARE (SEN)
TOTAL NET DIVIDEND
(RM MILLION)
2015 Interim 11 Apr 2016 29 Apr 2016 12.00 368.96
2014 Interim 25 Mar 2015 24 April 2015 6.00 154.35
2013 Final 19 Jun 2014 23 July 2014 10.30 262.33
  Interim 10 Oct 2013 13 Nov 2013 6.00 151.88
2012 Final 02 Jul 2013 01 Aug 2013 16.09 401.32
Interim 24 Oct 2012 27 Nov 2012 6.00 134.15
2011 Final 10 May 2012 11 Jun 2012 17.41 318.83
Interim 12 Oct 2011 15 Nov 2011 8.00 131.52
2010 Final 19 Apr 2011 20 May 2011 21.38 345.31
Interim 15 Sept 2010 30 Sept 2010 5.00 80.76
2009 Final 20 May 2010 18 Jun 2010 17.45 281.83
Interim 08 Sept 2009 30 Sept 2009 5.00 80.76
2008 Final 17 Jun 2009 30 Jun 2009 10.60 171.20
Interim 16 Sept 2008 30 Sept 2008 9.00 143.42
2007 Final 03 Jun 2008 18 Jun 2008 8.60 137.05
Interim 14 Sept 2007 28 Sept 2007 5.00 78.60
2006 Final 23 May 2007 07 Jun 2007 6.00 79.87
Interim 12 Jun 2006 28 Jun 2006 2.00 26.26
2005 Interim 16 May 2005 17 Jun 2005 3.50 45.95
Dividend Reinvestment Plan

The Dividend Reinvestment Plan ("DRP") offers the opportunity for our valued shareholders with the options to receive the dividend declared in form of cash or to reinvest the electable portion of the dividend ("Electable Portion") in the form of new ordinary shares of RM1.00 each in RHB Capital ("RHB Capital Shares").


Why Should Investors Consider DRP?

The DRP is part of the Company's efforts to enhance and maximise shareholders' value. DRP is a programme established to offer deserving shareholders the flexibility in strategizing and fulfilling their investment objectives as well as financial needs. Through DRP, shareholders are offered the opportunity to possess additional RHB Capital Shares at discount of up to 10% of the prevailing adjusted ex-dividend market price.


Interim Dividend For The Financial Year Ended 31 December 2014

On 27 February 2015, RHB Capital announced a single-tier interim dividend of 6 sen per RHB Capital Share in respect of financial year ended 31 December 2014 amounting to approximately RM154.35 million ("Interim Dividend"). In this regard, the Board had also determined that the existing DRP, which was approved by the shareholders at the Extraordinary General Meeting held on 6 April 2011, shall apply to the Interim Dividend.

The issue price and book closure date in relation to the DRP in conjunction with the Interim Dividend was announced by RHB Capital on 13 March 2015. The Interim Dividend will be paid on 24 April 2015.

On 1 April 2015, RHB Capital has despatched the following documents to the entitled shareholders whose registered address in RHB Capital's Record of Depositors is in Malaysia:

Please note that the Notice of Election available for download on this page is not intended for shareholders whose registered address in RHB Capital's Record of Depositors is not in Malaysia and/or shareholders who are outside Malaysia.

Eligible shareholders who would like to participate in the DRP must complete and sign the DRF and ensure that it is received by Symphony Share Registrars Sdn Bhd, the Registrar for the DRP, on or before Wednesday, 15 April 2015 at 5.00 p.m.