The call highlighted strong underlying execution and several material achievements: record net profit, improved asset quality, disciplined cost control, digital product rollouts and shareholder returns. Management provided clear 2026 targets and reiterated a pathway to higher ROE by 2027. Counterbalancing this are notable regional headwinds — a strong ringgit, NIM compression in some markets, and tough macro conditions in Indonesia and Thailand that reduced overseas contributions and caused Q4 normalization effects. Overall, the positive operational and financial momentum across Malaysia, Singapore and the client‑franchise businesses outweigh the headwinds, but FX and country‑specific risks remain key sensitivities.

Company Guidance

Management guided 2026 targets of ROE 11.0–11.5% (on track to 12–13% in 2027) underpinned by asset growth of 5–7% (constant currency), a cost-to-income ratio below 47%, credit costs of 25–35 bps and a CET1 ratio at least ≥14%. They expect group NIMs to be broadly stable (±5 bps) with Malaysia stable to slightly expanding (Niaga guidance ~3.9–4.1% ±10 bps), while continuing the cash strategy that in 2025 cut cost of funds by 21 bps and grew deposits ~5.4% (helping LDR); 2025 NII compressed ~8 bps but is bottoming. Key 2025 baselines cited include record net profit MYR 7.9bn (ROE 11.3%), asset growth 6.1%, loans +3.1% and debt securities +9.2% (constant currency), OpEx +2% with cost-to-income 47.3%, tech spend MYR1.7bn (7.8% of income within 8–9% guidance), GIL 1.7%, coverage 103.2% and 2025 credit cost ~30 bps. Capital returns remain a priority (record dividend MYR0.471, dividend yield ~5.7%, and a MYR2bn capital return program to end‑2027), and country loan targets mentioned were Malaysia ~4–5%, Indonesia 3–5%, Singapore high single‑digit and Thailand likely negative.

Record Net Profit and ROE

Reported record net profit of MYR 7.9 billion for FY2025 (up from MYR 7.7 billion on a constant currency basis) with ROE of 11.3% (10 bps higher than prior year).

Stable / Growing Income Despite Rate Cuts

Total income grew ~4.2% YoY and on a constant currency basis total income grew 3.8% Q‑on‑Q; NII described as flat in headline commentary due to a cash strategy that cushioned NIM compression, and on constant currency NII grew ~3.2% YoY.

Controlled NIM Compression and Evidence of Stabilization

Group NIM compressed by ~8 bps YoY (within guidance); management reported NIMs are bottoming out with Q4 and January signs of stabilization and Malaysia NIM expanding 4 bps Q‑on‑Q.

Asset and Deposit Growth

Total assets grew 6.1% on a constant currency basis; deposits increased ~5.4% on a constant currency basis, enabling a reduction in cost of funds by 21 bps YoY and improvement in loan‑to‑deposit dynamics.

Fee Income, Client Franchise and Wealth Momentum

NOII grew 3.1% YoY while client‑franchise NOII outgrew NOII at +4.8%; fees & commissions +3.2% YoY; treasury client sales +7.2% YoY; wealth revenue +9.2% with a 3% rise in wealth customers.

Strong Cost Discipline and Tech Investment

Operating expenses only rose 2% YoY, cost‑to‑income at 47.3% (close to guidance <47%); invested MYR 1.7 billion in technology (7.8% of income), within prior 8–9% guidance; personnel costs flat.

Best‑Ever Asset Quality Metrics

Gross impaired loans (GIL) improved from 2.1% to 1.7% YoY (best ever for group); credit cost remained around ~30 bps and loan loss coverage stayed above 100% at 103.2%.

Capital Position and Shareholder Returns

Optimized CET1 at ~14.3%; declared record dividend of MYR 0.471 (dividend yield ~5.7%); committed a MYR 2 billion capital return program through end‑2027.

Digital and Product Highlights

Launched OCTO Biz for corporates; Touch 'n Go registered users grew 11% to 32.3 million (profitable trajectory); committed to tokenized bond offering and admitted to Bank Negara Digital Asset Innovation Hub.

Forward30 Targets and 2026 Guidance

2026 targets: ROE 11.0–11.5%, asset growth 5–7% (constant currency), cost‑to‑income <47%, credit cost 25–35 bps, CET1 ≥14%; reiterated ambition to reach 12–13% ROE by 2027.

CIMB Group Holdings Bhd (CIMDF) Earnings, Revenues Date & History

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CIMDF Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
May 29, 2026	2026 (Q1)	- / -	0.041	―	―	―
Feb 27, 2026	2025 (Q4)	- / 0.04	0.038	13.16% (<+0.01)	―	―
Nov 28, 2025	2025 (Q3)	- / 0.05	0.043	6.98% (<+0.01)	―	―
Aug 29, 2025	2025 (Q2)	- / 0.04	0.039	5.13% (<+0.01)	―	―
May 30, 2025	2025 (Q1)	- / 0.04	0.038	7.89% (<+0.01)	―	―
Feb 28, 2025	2024 (Q4)	- / 0.04	0.034	11.76% (<+0.01)	―	―
Nov 28, 2024	2024 (Q3)	- / 0.04	0.037	16.22% (<+0.01)	―	―
Aug 30, 2024	2024 (Q2)	- / 0.04	0.037	5.41% (<+0.01)	―	―
May 31, 2024	2024 (Q1)	- / 0.04	0.035	8.57% (<+0.01)	―	―
Feb 29, 2024	2023 (Q4)	- / 0.03	0.027	25.93% (<+0.01)	―	―

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

CIMDF Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Feb 27, 2026	$2.59	$2.59	0.00%
Nov 28, 2025	$1.73	$1.74	+0.29%
Aug 29, 2025	$1.86	$1.65	-11.58%
May 30, 2025	$1.61	$1.81	+12.41%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does CIMB Group Holdings Bhd (CIMDF) report earnings?

CIMB Group Holdings Bhd (CIMDF) is schdueled to report earning on May 29, 2026, TBA (Confirmed).

What is CIMB Group Holdings Bhd (CIMDF) earnings time?

CIMB Group Holdings Bhd (CIMDF) earnings time is at May 29, 2026, TBA (Confirmed).

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What is CIMDF EPS forecast?

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