Alliance Bank Malaysia Bhd. · MYX:ABMB
Alliance Bank Malaysia Bhd — FY2026 Earnings Presentation
34 slides from Alliance Bank Malaysia Bhd's earnings presentation, May 22, 2026
Slide 1: Analyst Briefing FY2026
Analyst Briefing FY2026 22 May 2026
Slide 2: Contents
Contents 1 FY26 Financial Performance ▪ Revenue & Profitability ▪ Assets & Liabilities ▪ Effective Risk Management ▪ Shareholder Value 2 Going Forward ▪ Group Strategy: ACCELER8 2027 Update ▪ Sustainability ▪ Key Takeaways & Outlook for the Year 3 Appendix: Financial Results ▪ 4QFY26 & FY26 results
Slide 3: ACCELER8 2027: FY26 in review
ACCELER8 2027: FY26 in review 1 Launched 2 Launched 4 Successfully 8 Hosted the 2nd edition 9 Issued RM200 11 Launched the ESG the second The Inaugural completed rights Alliance Bank million Additional Playbook: Practical ESG Survey Sarawak SME issue, raising BizSmart® Business Tier-1 Capital Steps
Slide 4: FY26 Performance Highlights
Executive Summary FY26 Performance Highlights 1 Revenue & ▪ Revenue grew 8.6% y-o-y to RM2.47 billion Profitability ▪ Net interest income grew 3.1% y-o-y ➢ Net interest margin at 2.34% ▪ Non-interest income grew 42.0% or RM135.9 million y-o-y, from Wealth Management (+19.6%) & Treasury & Investment
Slide 5: NPAT grew 10.1% y-o-y to RM826.5 million
Revenue & Profitability NPAT grew 10.1% y-o-y to RM826.5 million FY25 FY26 Y-o-Y Change (Better / (Worse) Income Statement RM mil RM mil RM mil % Net Interest Income 1,946.6 2,007.0 60.4 3.1% Non-Interest Income 323.3 459.2 135.9 42.0% Total Revenue 2,269.9 2,466.2 196.3 8.6% OPEX 1,088.5 1,181.4 (9
Slide 6: Net interest income grew 3.1% y-o-y
Revenue & Net interest income grew 3.1% y-o-y Profitability Net Interest Income Net Interest Margin Trend RM mil +3.1% y-o-y 2.64% 1,946.6 2,007.0 1,652.7 1,720.1 2.53% 1,480.2 2.48% 2.45% 2.34% -11bps YoY FY22 FY23 FY24 FY25 FY26 FY22 FY23 FY24 FY25 FY26 Y-o-Y impact: mainly driven by higher loans
Slide 7: Non-interest income grew 42.0%
Revenue & Non-interest income grew 42.0% Profitability Non-Interest Income a) Non-interest income: +42.0% or RM135.9 mil y-o-y: RM mil Non Interest income NOII % ➢ Wealth management (+19.6% y-o-y) ➢ FX Sales & Trade Fees (+4.0% y-o-y) ➢ Banking Services Fees (>100% y-o-y) 20.7% 18.6% 14.9% 14.2% ➢ T
Slide 8: Cost to Income Ratio at 47.9%
Revenue & Cost to Income Ratio at 47.9% Profitability Operating Expenses (OPEX) a) Operating expenses up 8.5% y-o-y mainly from higher RM mil OPEX CIR personnel & IT expenses: RM mil 56% of 45% of 2% of increase increase 0.3% of 48.2% 48.0% 47.9% mainly wage mainly from IT decrease increase 45.9% in
Slide 9: Net credit cost at 33.5 bps
Effective Risk Net credit cost at 33.5 bps Management Net Credit Cost a) Net credit cost at 33.5 bps [vs 31.9 bps in FY25]: Basis BAU Provision ➢ BAU provision: 28.7 bps [vs 26.4 bps in FY25] points (bps) Overlays/Pre-emptive provision ➢ Pre-emptive provision: 4.8 bps [vs 5.5bps in FY25] Total Net C
Slide 10: Gross impaired loans ratio improved to 1.73%
Effective Risk Gross impaired loans ratio improved to 1.73% Management Gross Impaired Loans (GIL) SME GIL (RM mil) GIL ratio (%) 30+ dpd (%) RM mil Total GIL ABMB GIL ratio 2.5% 2.5% 2.7% 2.0% 2.4% 1.9% 1.9% 2.0% 2.0% 2.0% 1.83% 1.96% 1.91% 1.89% 1.73% 306 318 335 339 355 68% secured, balance well M
Slide 11: GIL ratio: Consumer Segment
Effective Risk GIL ratio: Consumer Segment Management Classic Mortgage Personal Financing GIL (RM mil) GIL ratio (%) 30+ dpd (%) GIL (RM mil) GIL ratio (%) 30+ dpd (%) 2.2% 2.3% 2.4% 2.5% 6.7% 1.8% 5.5% 5.7% 6.4% 5.6% 0.9% 1.2% 1.3% 1.4% 1.2% 1.4% 1.3% 1.1% 1.4% 1.5% 238 267 289 258 171 45 43 37 46
Slide 12: Positive loans growth across key segments
Assets & Positive loans growth across key segments Liabilities Gross Loans & Unrated Bonds +7.5% y-o-y a) Gross loans grew 7.5% y-o-y (including unrated bonds: RM bil (including unrated +9.0% y-o-y) bonds: 9.0% y-o-y) Y-o-Y 68.7 ➢ Mortgage grew 9.6% y-o-y, Corporate 63.0 1.5 +7.4% - Unrated Bonds (C
Slide 13: Deposits grew 8.8% year-on-year
Assets & Deposits grew 8.8% year-on-year Liabilities Customer Deposits RM bil a) Customer deposits: +8.8% y-o-y 41.0% CASA ratio 37.5% +8.8% b) Fixed deposits: +14.1% (or RM5.1 bil) y-o-y y-o-y 71.6 Y-o-Y 65.8 3.7 c) CASA deposits: -0.5% (or -RM0.1 bil) y-o-y 2.8 ▪ CASA ratio at 37.5%, still one of
Slide 14: Liquidity and capital position remain strong
Effective Risk Liquidity and capital position remain strong Management Liquidity Position Capital Position CET 1 Tier 1 Total Capital Liquidity 171.6% Coverage Ratio (LCR) 162.6% 160.2% 159.3% 158.5% 17.6% 16.7% Net Stable 14.6% 13.4% Funding Ratio 117.9% 116.2% 117.6% 117.1% 118.1% ↑ Rights (NSFR)
Slide 15: FY26 dividend payout at 40%
Shareholder FY26 dividend payout at 40% Value Dividend Payout Net Assets per Share Total Shareholders Return RM mil 2nd Interim RM % 1st Interim Dividend Payout Ratio 4-year CAGR: +5.4% Total 50% 50% 50% 5.10 Shareholders 137.1% 4.95 Return (TSR) 40% 40% 4.63 4.36 4.14 Dividend 39.0% 340.6 345.2 330
Slide 16: Contents
Contents 1 FY26 Financial Performance ▪ Revenue & Profitability ▪ Assets & Liabilities ▪ Effective Risk Management ▪ Shareholder Value 2 Going Forward ▪ Group Strategy: ACCELER8 2027 Update ▪ Sustainability ▪ Key Takeaways & Outlook for the Year 3 Appendix: Financial Results ▪ 4QFY26 & FY26 results
Slide 17: Accelerated loans growth ahead of industry and regained market share
Group Strategy: Accelerated loans growth ahead of industry and Acceler8 2027 regained market share Regained lost in market share since FY18 ABG loan market share (%) 2.75% 2.80% 2.58% 2.51% 2.49% 2.45% 2.38% 2.41% 2.38% FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 Launch of Acceler8 in Jan-23 Contin
Slide 18: ACCELER8 2027: FY26 Key Success Metrics (1/2)
Group Strategy: ACCELER8 2027: FY26 Key Success Metrics (1/2) Acceler8 2027 1 Continue velocity on SME expansion 3 Broaden consumer business, targeting strategy attractive segments SME* YoY Loan Growth Consumer YoY Loan Growth Target: FY26 Group Target: FY26 Group *Based on BNM SME Definition Loan 8
Slide 19: ACCELER8 2027: FY26 Key Success Metrics (2/2)
Group Strategy: ACCELER8 2027: FY26 Key Success Metrics (2/2) Acceler8 2027 5 Become regional champion for selected 7 Accelerate Islamic business, leveraging economic corridors unique propositions Regional YoY Growth (Sabah, Sarawak, Penang and Johor) AIS YoY Revenue Growth Total Regional Loan Total
Slide 20: Optimise branch network by expanding high-impact locations
Continue to optimise branch network by expanding high-impact locations and upgrading existing branches Penang Kedah Sabah Alor Setar (Jul 2024) • Jalan Gaya (Jan 2026) • Bukit Mertajam (Oct 2025) • • Jalan Kelawai, • Sungai Petani (Oct 2025) Georgetown (Jul 2025) Kuala Lumpur Selangor • Menara Allia
Slide 21: Sustainability: Progress against Topline Goals
Sustainability We continue to make progress against our Topline Goals Grow our new Reduce the Bank’s 1 sustainable banking business (NSB) 2 Support & transition Customers on Climate Adaptation/Mitigation 3 greenhouse gas (GHG) emissions footprint Target Cumulative RM17.0 billion in Transition RM547
Slide 22: Key Takeaways for FY26
Summary Key Takeaways for FY26 ▪ Business growth: ➢ Gross loans +7.5% (including unrated bonds: +9.0%), driven by FY26 FY26 broad-based momentum across SME, Consumer & Commercial Guidance Actual ➢ Strong client engagement across key business lines ➢ Focus higher quality growth, deeper customer penet
Slide 23: Outlook for the Year
Summary Outlook for the Year ▪ Economic outlook: ➢ Malaysia’s 2025 GDP growth recorded at 5.2% FY26 FY27 (1Q2026: 5.4%). Actual Guidance ➢ Monetary conditions remain supportive of growth Loans Growth prospects although global uncertainties persist - geopolitical tension. (including 9.0% 7.5% - 10% u
Slide 24: Contents
Contents 1 FY26 Financial Performance ▪ Revenue & Profitability ▪ Assets & Liabilities ▪ Effective Risk Management ▪ Shareholder Value 2 Going Forward ▪ Group Strategy: ACCELER8 2027 Update ▪ Sustainability ▪ Key Takeaways & Outlook for the Year 3 Appendix: Financial Results ▪ 4QFY26 & FY26 results
Slide 25: 4QFY26 NPAT grew 4.3% y-o-y to RM206.0 million
Key Highlights: 4QFY26 NPAT grew 4.3% y-o-y to RM206.0 million Financial Performance Net Interest Income & Non Interest Income & Revenue Islamic Net Financing Income NOII Ratio RM mil RM mil RM mil Client Based Non Client Based NOII Ratio 615.3 626.2 631.6 593.1 496.2 498.9 495.0 506.9 506.2 18.9% 2
Slide 26: 4Q FY2026: Q-o-Q Income Statement
4Q FY2026: Q-o-Q Income Statement Q-o-Q Change 3QFY26 4QFY26 ▪ Revenue decreased by 6.1% q-o-q due to: Income Statement Better / (Worse) RM mil RM mil ➢ Net interest income: -0.2% q-o-q. RM mil % ➢ Non-interest income: -RM37.7mil q-o-q: Net Interest Income 377.3 371.4 ✓ Lower treasury & investment i
Slide 27: FY26 NPAT grew 10.1% y-o-y to RM826.5 million
Key Highlights Y-o-Y: FY26 NPAT grew 10.1% y-o-y to RM826.5 million Financial Performance Net Interest Income & Non Interest Income & Revenue Islamic Net Financing Income NOII Ratio RM mil RM mil Client Based Non Client Based 2,466.2 RM mil NOII Ratio 2,269.9 18.6% 14.7% 14.2% 2,007.0 11.9% 1,946.6
Slide 28: 4Q FY2026: Y-o-Y Income Statement
4Q FY2026: Y-o-Y Income Statement Y-o-Y Change 4QFY25 4QFY26 ▪ Revenue grew by 5.3% y-o-y due to: Income Statement Better / (Worse) RM mil RM mil ➢ Net interest income: +2.0%, driven by RM mil % higher loans volume. Net Interest Income 371.4 371.4 ➢ Non-interest income: +RM19.8mil y-o-y: Islamic Net
Slide 29: FY2026: Y-o-Y Income Statement
FY2026: Y-o-Y Income Statement Y-o-Y Change FY25 FY26 ▪ Revenue grew by 8.6% y-o-y due to: Income Statement Better / (Worse) RM mil RM mil ➢ Net interest income: +3.1% y-o-y mainly RM mil % due to higher loans volume. Net Interest Income 1,451.1 1,484.2 ➢ Non-interest income: +RM135.9mil y-o-y: Isla
Slide 30: Q-o-Q Summarised Balance Sheet
Q-o-Q Summarised Balance Sheet Dec 25 Mar 26 Q-o-Q Change ▪ Gross loans grew by 2.1% q-o-q: Balance Sheet RM mil RM mil RM mil % ➢ SME loans: +2.8% q-o-q mainly from Term Loans; Total Assets 88,410 92,156 3,746 4.2% ➢ Commercial loans: +2.4% q-o-q mainly Treasury Assets* 18,666 19,631 965 5.2% due t
Slide 31: Y-o-Y Summarised Balance Sheet
Y-o-Y Summarised Balance Sheet Mar 25 Mar 26 Y-o-Y Change ▪ Gross loans grew by 7.5% y-o-y: Balance Sheet RM mil RM mil RM mil % ➢ SME loans: +7.4% y-o-y mainly from Term Total Assets 85,217 92,156 6,939 8.1% Loans; Treasury Assets* ➢ Commercial loans: +13.2% y-o-y mainly 15,722 19,631 3,909 24.9% d
Slide 32: Key Financial Ratios
Key Financial Ratios Financial Ratios 4QFY25 3QFY26 4QFY26 FY25 FY26 Return on Equity 11.0% 10.6% 10.3% 10.3% 10.2% Shareholder Earnings per Share 12.8sen 12.4sen 11.9sen 48.5sen 49.3sen Value Net Assets per Share RM4.95 RM5.00 RM5.10 RM4.95 RM5.10 Net Interest Margin 2.43% 2.34% 2.31% 2.45% 2.34% E
Slide 33: Thank You
THANK YOU Disclaimer: This presentation has been prepared by Alliance Bank Malaysia Berhad (the “Company”) for information purposes only and does not purport to contain all the information that may be required to evaluate the Company or its financial position. No representation or warranty, expresse
Slide 34: Alliance Bank
ALLIANCE BANK THE BANK FOR LIFE”
Alliance Bank Malaysia Berhad — FY2026 Earnings Presentation on 6ix