CIMB FY net income 7.86B ringgit, est. 7.9B ringgit

CIMB FY net income 7.86B ringgit, est. 7.9B ringgit

CIMB Reports FY 2025 Net Income of 7.86 Billion Ringgit, Slightly Below Estimates

CIMB Group Holdings Bhd. (CIMB) announced its fiscal year 2025 financial results on February 27, 2026, reporting a net income of 7.86 billion Malaysian ringgit (MYR). This figure marginally missed the 7.9 billion MYR estimated by analysts. The results reflect a mix of cost discipline and loan growth, partially offset by higher provisions, according to the bank's earnings statement.

Operating expenses declined by 3% year-on-year, driven by efficiency initiatives and reduced operational costs. Meanwhile, total loans grew by 5% compared to the previous fiscal year, supported by increased demand in corporate and retail segments. However, provisions for credit losses rose by 8%, attributed to cautious risk management amid economic uncertainties.

CIMB's capital adequacy ratio remained robust at 16.2%, exceeding regulatory requirements and indicating strong risk absorption capacity. The bank also reported a 2% increase in total assets, reflecting its focus on organic growth and strategic investments.

The stock experienced a modest 1.2% intraday gain following the earnings release, as investors appeared to balance the slight profit miss against the bank's operational resilience. Analysts noted that CIMB's performance aligns with broader industry trends, including tighter credit conditions and competitive pricing pressures in lending.

While the net income fell short of estimates, CIMB emphasized its progress in executing cost optimization programs and expanding its digital banking infrastructure. The bank reiterated its commitment to maintaining long-term profitability amid macroeconomic challenges.

CIMB FY 2025 Earnings Release, February 27, 2026