Theme and Cover Rationale
Progress

This year’s theme, PROGRESS, reflects RHB’s continuous evolution and forward momentum. The layered typography on the cover symbolises depth, strategic advancement, and our commitment to empowering lives and driving sustainable growth. It visually represents the initiatives we undertake to uplift our customers, communities, and the Group, steering them towards a future of shared success.

At RHB, PROGRESS extends beyond financial performance — it is about delivering personalised, innovative solutions that meet the evolving needs of our customers. We continuously enhance our digital capabilities, ensuring smarter, faster, and more accessible financial experiences.

Our journey is built on trust, reliability, and innovation. By integrating cutting-edge technology with a deep understanding of our stakeholders’ financial needs, we transform ambitions into reality — whether through streamlined digital platforms or bespoke financial advisory services.

We recognise that meaningful progress is a collective effort. As a trusted partner, we are committed to fostering collaboration across industries, empowering individuals and businesses, and creating long-term value that drives social progress and sustainable economic growth.

Together, we are not just moving forward — we are building a future where every step leads to lasting and meaningful PROGRESS.

0th
Annual General Meeting of RHB Bank Berhad
Kuala Lumpur Convention Centre,
Ballroom 1, Level 3, East Wing, Jalan Pinang,
50088 Kuala Lumpur, Malaysia
Thursday, 8 May 2025
10.00 a.m
Attractive Investment Proposition
Financial Highlights
TOTAL INCOME
RM0.0
billion
2023: RM0.0 billion
Total Assets
RM0
billion
2023: RM0 billion
NET PROFIT
RM0.0
billion
2023: RM0.0 billion
Gross Loans
RM0
billion
2023: RM0 billion
Return on Equity
0.00%
2023: 0.0%
Deposits from Customers
RM0
billion
2023: RM0 billion
COST-TO-INCOME RATIO
0.0%
2023: 0.0%
Shareholders’ Equity
RM0
billion
2023: RM0 billion
Gross Impaired Loans Ratio
0.00%
2023: 0.00%
Basic Earnings per Share
0.00
sen
2023: 0.00 sen
CASA RATIO
0.0%
2023: 0.0%
Total Capital Ratio
0.0%
2023: 0.0%
Business Highlights
Launched
RM0 billion
Sustainable Trade Finance Programme/-i (“STFP/-i”)
Online banking customers increased to
>0.0 million
(2023: >0.0 million)
Digital Channel Transactions:
0.0%
(2023: 0.0%)
Delivered
0
features across six bi-monthly updates on RHB Online and Mobile Banking
Originated over
RM0.0 billion
in sustainable capital market deals under Group Investment Banking
Rolled out
0
ESG-related insurance policies
Launched
0
new Islamic Wealth-related products
Ranked
#0
in Trustee Services for Bond Issuance for two years in a row
Sustainability Highlights
Sustainable and Responsible Finance
RM0.0 billion
cumulatively mobilised in sustainable financial services
+0
Net Promoter Score (“NPS”), ranked 2nd in Malaysia
Committed to Achieving Net Zero by 2050
0.0% reduction
in operational GHG emissions compared to 2016 baseline
Over 0% reduction
in financed emissions1 compared to 2022 baseline
Embedding Good Practices
0.0%
women’s representation in top and senior management positions^
>0
employees participated in sustainability-related capability-building programmes
Enriching and Empowering Communities
0
students have benefitted from the MySISWA programme, on a cumulative basis
>0 SMEs
have cumulatively benefitted from the RHB #JomSapot BeliLokal 2.0 programme
1 Financed emissions achievement is as at 31 December 2023. The Group's FY2024 financed emissions are being calculated at the time of publishing this Sustainability Report.
^ This data has been externally assured. For more information, please refer to the independent limited assurance report on pages 283 to 289 of our Sustainability Report 2024.
Message From Our Chairman
RHB’s strength lies in our ability to adapt and innovate, ensuring we stay future-ready while driving progress, trust, and lasting value for all.
Tan Sri Ahmad Badri Mohd Zahir
Chairman
RHB Banking Group
Dear Stakeholders,

As we reflect on 2024, we see a year of progress—one defined by both challenges and opportunities that tested our resilience and reinforced our values. The world continues to evolve at an accelerated pace, with economic uncertainty and global shifts, as well as an urgent call for sustainability that is reshaping the industries. Yet, in times of change, our foundation remains unwavering—steadfast in our purpose, driven by adaptability, collaboration, and a commitment to long-term value creation.

Expanded our total assets by
0.0% YoY to RM0 billion.
Achieved a Common Equity Tier-1 (“CET-1”) ratio of
0.0% and a total capital ratio of 0.0%.
From the Desk of Our Group Managing Director / Group Chief Executive Officer
TWP24 has been a transformative journey — strengthening our financial position, deepening customer engagement, and driving forward our digital and sustainability agenda.
Dato' Mohd Rashid Mohamad
Group Managing Director/
Group Chief Executive Officer
RHB Banking Group
Total income rose by
0.0% to
RM0.0 billion

The business landscape is evolving at an unprecedented pace — shaped by economic shifts, rapid digitalisation, and the accelerating urgency of sustainability. In navigating this ever-evolving landscape, I find myself returning to a simple yet profound question:

What does it truly mean to drive progress that is meaningful, inclusive and sustainable for everyone? This question defines RHB’s fundamental purpose and strategic direction — moving beyond financial growth to focus on impact-driven inclusive and sustainable progress.

5-Year Group Financial Highlights
Net Profit
(RM million)
Total Assets
(RM million)
Gross Loan, Advances and Financing
(RM million)
Deposits from customers
(RM million)
Shareholders' equity
(RM million)
Net dividends
(RM million)
Our Sustainability Strategy and Roadmap

At RHB, our purpose goes beyond financial performance — we are committed to being a responsible financial services provider that drives meaningful, long-term impact. Sustainability has been a core focus of our TWP24 corporate strategy since 2022, guiding how we operate, innovate, and create value for our stakeholders.

By integrating sustainability and climate-related considerations into our business activities, operations, and decision-making processes, we have not only driven positive environmental and social outcomes, but also strengthened our resilience, enhanced stakeholder confidence, and positioned the Group as a forward-thinking, responsible financial services provider.

The Group’s Sustainability Strategy and Roadmap focuses on delivering tangible outcomes through clear objectives and actions, with key performance indicators (“KPIs”) identified, monitored, and reported to track progress assess impact, and ensure accountability.

For more information on our Sustainability Scorecard, refer to pages 39 to 43 of our Sustainability Report 2024.

SUSTAINABILITY PURPOSE
To be a sustainably responsible financial services provider by promoting sustainable and inclusive growth, nurturing customers, employees and communities, while upholding good governance to create value
OUR ASPIRATIONS
  • Support sustainable development by mobilising RM50 billion in sustainable financial services by 2026
  • Empower two million targeted individuals and businesses across ASEAN by 2026
  • Achieve Carbon Neutral Operations by 2030
  • Achieve Net Zero by 2050

As part of our new corporate strategy, PROGRESS27, we have refined our sustainability KPIs. For further information, refer to page 136 of this report and page 38 of our Sustainability Report 2024.

SUSTAINABLE & RESPONSIBLE FINANCE
Integrate ESG considerations into our business strategies and decision-making processes while nurturing customers and communities towards achieving sustainable growth
Focus Areas
Sustainable Financial Services
Create positive impacts through our lending, capital markets, wealth management, deposits, investment, asset management, and insurance businesses
Financial Inclusion
Promote financial inclusion by providing access to financial products and services to individuals (students, youth, new to workforce, the underserved) and businesses (SMEs, microenterprises, etc.)1
Advancing SMEs Towards Sustainable Business Practices
Nurture and support SMEs in their journey towards building a sustainable business
COMMITTED TO ACHIEVING NET ZERO BY 2050
Accelerating the just and responsible transition to a low-carbon economy, guided by the Group’s Net Zero by 2050 Strategy
Focus Areas
Reduction of Financed Emissions2
Reducing carbon emissions in five high-impact sectors within our business3
Driving Growth in Green Financial Services
Driving growth in Green Financial Services and supporting businesses/companies that are committed to carbon neutrality with a clear and established transition strategy
Integration of sustainable and low-carbon practices into our own operations
Achieve Carbon Neutral Operations by 2030
EMBEDDING GOOD PRACTICES
Foster responsible practices and nurture a sustainable culture
Focus Areas
Ethics & Conduct
Uphold integrity, ethics and compliance through robust policies and practices
People & Workplace
Promote employee development and nurture a fair, diverse and inclusive workforce
Sustainable Supply Chain
Promote responsible and sustainable practices across the Group’s supply chain
ENRICHING & EMPOWERING COMMUNITIES
Create long-term positive impacts on our communities, nurturing children and youth
Focus Areas
Nurturing Future Generations
Promote growth and resilience in children and youth through holistic learning and self-development programmes
Lifting Communities
Improve the lives the vulnerable and underserved segments of the community through meaningful community engagement initiatives which include capacity building and skills development programmes
Focus Areas
Sustainable Financial Services
Create positive impacts through our lending, capital markets, wealth management, deposits, investment, asset management, and insurance businesses
Financial Inclusion
Promote financial inclusion by providing access to financial products and services to individuals (students, youth, new to workforce, the underserved) and businesses (SMEs, microenterprises, etc.)1
Advancing SMEs Towards Sustainable Business Practices
Nurture and support SMEs in their journey towards building a sustainable business
Reduction of Financed Emissions2
Reducing carbon emissions in five high-impact sectors within our business3
Driving Growth in Green Financial Services
Driving growth in Green Financial Services and supporting businesses/companies that are committed to carbon neutrality with a clear and established transition strategy
Integration of sustainable and low-carbon practices into our own operations
Achieve Carbon Neutral Operations by 2030
Ethics & Conduct
Uphold integrity, ethics and compliance through robust policies and practices
People & Workplace
Promote employee development and nurture a fair, diverse and inclusive workforce
Sustainable Supply Chain
Promote responsible and sustainable practices across the Group’s supply chain
Nurturing Future Generations
Promote growth and resilience in children and youth through holistic learning and self-development programmes
Lifting Communities
Improve the lives the vulnerable and underserved segments of the community through meaningful community engagement initiatives which include capacity building and skills development programmes
Enablers
GOVERNANCE
Robust sustainability and climate governance across the Group to drive decision-making and provide appropriate oversight of sustainability
DATA & TECHNOLOGY
Leverage data points and technology for monitoring and reporting to ensure reliability, credibility and trust
HUMAN CAPITAL & TRAINING
Attract, retain and develop people with the right skillsets and capabilities to support the Group’s sustainability agenda
PARTNERSHIP & ADVOCACY
Build trusted partnerships and continuously advocate for and nurture others towards sustainable and low-carbon practices
1 Provision of affordable and quality financial products and services
2 GHG emissions associated with RHB Group’s business activities
3 Energy Supply, Palm Oil, Oil & Gas, Property & Construction, and Transport
Download Full Report

In line with the RHB Banking Group's commitment to environment conservation, printed copies of the Integrated Report 2024, Financial Report 2024 and Sustainability Report 2024 will be made available only upon request via the "Boardroom Smart Investor Portal".

Integrated
Report

A comprehensive overview of our 2024 performance and an outlook for 2025

Financial
Report

The full set of the Group's and the Bank's audited financial statements.

Sustainability
Report

A comprehensive overview of the Group's sustainability performance

© 2025 RHB Bank Berhad 196501000373 (6171-M). All rights reserved.

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