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Five-Year Group Financial Highlights

FINANCIAL YEAR ENDED 31 DECEMBER	RHB BANK GROUP
FINANCIAL YEAR ENDED 31 DECEMBER	2025	2024	2023	2022	2021
Profit before taxation	4,378	4,020	3,753	4,133	3,529
Net profit attributable to equity holders of the Bank	3,363	3,120	2,806	2,678	2,618

FINANCIAL YEAR ENDED 31 DECEMBER	RHB BANK GROUP
FINANCIAL YEAR ENDED 31 DECEMBER	2025	2024	2023	2022	2021
Total assets	358,104	349,915	328,692	310,752	289,467
Gross loans, advances and financing	250,643	237,758	222,416	212,200	198,512
Total liabilities	323,914	317,383	297,781	281,988	261,387
Deposits from customers	252,537	249,565	245,083	227,160	218,733
Share capital	8,701	8,687	8,330	8,146	7,613
Shareholders' equity	34,146	32,492	30,875	28,732	28,045
Commitments and contingencies	427,187	413,060	246,063	206,796	157,777

FINANCIAL YEAR ENDED 31 DECEMBER	RHB BANK GROUP
FINANCIAL YEAR ENDED 31 DECEMBER	2025	2024	2023	2022	2021
Dividend per RM1.00 share (sen)	50.00	43.00	40.00	40.00	40.00
Net assets per RM1.00 share (RM)	7.83	7.45	7.20	6.76	6.77
Net tangible assets per RM1.00 share (RM)	7.03	6.65	6.39	5.96	5.96
Basic earnings per RM1.00 share (sen)	77.1	72.0	65.7	64.0	64.7
Share price (RM)	7.71	6.48	5.45	5.79	5.37
Market Capitalisation (RM Million)	33,630	28,249	23,361	24,592	22,247

FINANCIAL YEAR ENDED 31 DECEMBER	RHB BANK GROUP
FINANCIAL YEAR ENDED 31 DECEMBER	2025	2024	2023	2022	2021
Net Return on Average Equity^N1	10.5	10.0	9.5	9.6	9.6
Net return on average assets	1.0	0.9	0.9	0.9	0.9
Cost-to-income	47.3	46.7	47.5	44.2	45.2

N1 : After final / second interim dividend

FINANCIAL YEAR ENDED 31 DECEMBER	RHB BANK GROUP
FINANCIAL YEAR ENDED 31 DECEMBER	2025	2024	2023	2022	2021
Gross loans to deposits	99.2	95.3	90.8	93.4	90.8
Gross impaired loans ratio	1.41	1.47	1.74	1.55	1.49

FINANCIAL YEAR ENDED 31 DECEMBER	RHB BANK GROUP
FINANCIAL YEAR ENDED 31 DECEMBER	2025	2024	2023	2022	2021
Dividend yield	6.5	6.6	7.3	6.9	7.4
Dividend payout ratio	64.8	60.1	61.1	63.2	62.9
Price to earnings multiple (times)	10.0	9.0	8.3	9.0	8.3
Price to book multiple (times)	1.0	0.9	0.8	0.9	0.8

Analysis of Shareholdings

Shareholders	No. Of Shares	%
Employees Provident Fund Board	1,655,958,669	37.96
OSK Holdings Berhad	447,768,886	10.27
Kumpulan Wang Persaraan (Diperbadankan)	236,486,986	5.42
Others: Local	1,089,873,636	24.99
Others: Foreign	931,825,573	21.36
Total	4,361,913,750	100.00

As at 30 January 2026

Foreign Shareholdings

MONTH	2026	2025	2024	2023	2022
Jan	21.36%	17.19%	15.27%	17.27%	18.15%
Feb		17.58%	15.51%	17.09%	18.20%
Mar		20.21%	15.41%	17.26%	18.05%
Apr		20.09%	14.55%	16.76%	18.64%
May		20.45%	13.97%	16.57%	17.96%
Jun		19.23%	13.93%	16.11%	17.21%
Jul		19.46%	14.64%	16.03%	16.95%
Aug		19.27%	16.01%	16.23%	17.26%
Sep		19.44%	16.56%	15.95%	17.26%
Oct		20.67%	17.05%	15.75%	16.65%
Nov		20.76%	18.84%	15.74%	17.78%
Dec		20.92%	17.60%	15.56%	17.50%

Note: Position at the end of the month