RHB Bank Integrated Annual Report 2025

Attractive Investment Proposition

Total Income

RM8.8 billion

2024: RM8.6 billion

Cost-to-Income Ratio

47.3%

(2024: 46.7%)

Net Profit

RM3.4 billion

(2024: RM3.1 billion)

Return on Equity

10.5%

(2024: 10.0%)

Total Assets

RM358 billion

(2024: RM350 billion)

Basic Earnings per Share

77.13 sen

(2024: 72.02 sen)

Gross Loans

RM251 billion

(2024: RM238 billion)

Gross Impaired Loans Ratio

1.41%

(2024: 1.47%)

Deposits from Customers

RM253 billion

(2024: RM250 billion)

CASA Ratio

30.4%

(2024: 27.6%)

Shareholders’ Equity

RM34 billion

(2024: RM32 billion)

Total Capital Ratio

17.6%

(2024: 19.0%)

Online banking customers

>3.0 million

(2024: >2.9 million)

Recorded 75% in customer satisfaction score for mobile banking

Digital channel transactions

94.5%

(2024: 92.2%)

Expanded mass affluent and affluent customer base by 13.6%

ESG insurance policies launched

>100,000 policies

(2024: 97,509 policies)

Achieved straight-through processing for 4 key product applications

Delivered RM158 million in cost optimisation initiatives to enhance operational efficiency

Ranking in Trustee Services for Bond Issuance

(2024: No. 1)

SUSTAINABLE AND RESPONSIBLE FINANCE

Cumulative Sustainable Financial Services mobilised

~RM60.0 billion

(2024: RM42.0 billion)

Sustainable and Responsible Assets Under Management

RM1.2 billion

(2024: RM1.2 billion)

Net Promoter
Score

+28

(2024: +24)

EMBEDDING GOOD PRACTICES

Women’s representation in top and senior management

39.9%

(2024: 35.3%)

Investment into learning and development

RM30.3 million

(2024: RM30.9 million)

Average training hours
per employee

34 hours

(2024: 29 hours)

ENRICHING AND EMPOWERING COMMUNITIES

Students onboard onto MySISWA programme

>148,000

(2024: >162,000)

MSMEs empowered through RHB #JomBiz

352 MSMEs

(2024: 251 MSMEs)

Micro, small, and medium enterprises

Students engaged through RHB X-Cel programme

>3,400 students

(2024: >2,000 students)

COMMITTED TO ACHIEVING NET ZERO BY 2050

Reduction in financed emissions compared to 2022 baseline

13.2%

(2023: 6.7%)

Financed emissions data is reported as of 31 December 2024, with a 12-month lag due to data availability from clients and investees. RHB is actively enhancing our data infrastructure to streamline future disclosures.

CCPT C3 customers transitioned to C1 or C2

12.5%

Refers to Bank Negara Malaysia (“BNM”) Climate Change and Principle-based Taxonomy (“CCPT”) classification.

Reduction in operational emissions compared to 2016 baseline

49.9%

(2024: 45.5%)

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Our Sustainability Strategy and Roadmap

At RHB, our purpose extends beyond financial performance. We are committed to being a responsible and purposeful financial services provider that delivers meaningful, lasting impact. This year marks the beginning of our 2025-2027 corporate strategy, PROGRESS27, where sustainability continues to anchor how we operate, innovate, and create value for our stakeholders. By integrating sustainability and climate considerations into our business activities, operations, and decision-making processes, we have strengthened our environmental and social contributions, enhanced business resilience, and reinforced stakeholder confidence.

Under PROGRESS27, our sustainability efforts are guided by the Group’s Sustainability Strategy and Roadmap, which provides a structured and disciplined approach to embedding sustainability into our business activities and operations. This ensures that long-term commitments are translated into tangible outcomes through focused priorities and meaningful actions.

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

Mobilise

RM90 billion

in Sustainable Financial Services by 2027

Achieve

Carbon Neutral Operations

by 2030, and Net Zero Emissions by 2050

Empower

2.5 million

targeted individuals and businesses across ASEAN by 2027

Maintain

33.3%

representation of women in top and senior management positions by 2027

Strategic Pillars

Sustainable & Responsible Finance

Integrate ESG considerations into our business strategies and decision-making processes while nurturing customers and communities towards achieving sustainable growth.

Sustainable Financial ServicesCreate positive impacts through our lending, capital markets, wealth management, deposits, investment, asset management, and insurance businesses.
Financial InclusionPromote financial inclusion by providing access to financial products and services to individuals and businesses.
Advancing SMEs Towards Sustainable Business PracticesNurture and support SMEs in their journey towards building a sustainable business.

Committed to Achieving Net Zero by 2050

We continue to accelerate a just and responsible transition to a low-carbon economy, guided by the Group’s Net Zero Strategy and long-term climate commitments.

Reduction of Financed EmissionsReducing carbon emissions across five high-impact sectors within our portfolios.
Growth in Green Financial ServicesExpanding Green Financial Services and supporting businesses with clear, credible transition plans toward carbon neutrality.
Low-Carbon OperationsIntegrating sustainable and low-carbon practices across our operations to achieve Carbon Neutral Operations by 2030.

Embedding Good Practices

Foster responsible practices and nurture a sustainable culture.

Ethics & Conduct Uphold integrity, ethics and compliance through robust policies and practices.
People & WorkplacePromote employee development and nurture a fair, diverse and inclusive workforce.
Sustainable Supply ChainPromote responsible and sustainable practices across the Group’s supply chain.

Enriching & Empowering Communities

Creating long-term positive impact, with a strong focus on supporting and nurturing children and youth.

Nurturing Future GenerationsPromote growth and resilience in children and youth through holistic learning and self-development programmes.
Lifting CommunitiesImprove the lives of 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 and technology for monitoring and reporting to ensure reliability, credibility, and trust.

HUMAN CAPITAL & TRAINING

Attract, retain, and develop talent with the right skillsets and capabilities to support the Group’s sustainability agenda.

PARTNERSHIP & ADVOCACY

Build trusted partnerships and continuously nurture others towards sustainable and low-carbon practices.

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Download Full Report

In line with the RHB Banking Group’s commitment to environment conservation, printed copies of the Integrated Report 2025 and Financial Report 2025 will be made available only upon request via the "Boardroom Smart Investor Portal".

INTEGRATED REPORT

Provides a comprehensive overview of the Group’s 2025 performance and outlook.

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FINANCIAL REPORT

Full set of the Group’s and the Bank’s audited financial statements.

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SUSTAINABILITY REPORT

In-depth review of the Group’s sustainability performance, including material matters and climate-related disclosures.

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ONLINE SUSTAINABILITY SUPPLEMENT

Comprehensive disclosures and performance data on the Group’s material sustainability matters.

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Notification Letter of 60^th AGMDownload

Notice of 60^th AGMDownload

Administrative Details for 60^th AGMDownload

Proxy FormDownload

Corporate Governance Report 2025Download

NET PROFIT

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TOTAL ASSETS

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GROSS LOANS, ADVANCES AND FINANCING

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DEPOSITS FROM CUSTOMERS

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SHAREHOLDERS’ EQUITY

(RM million)

NET DIVIDENDS

(RM million)

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