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Five-Year Group Financial Highlights

FINANCIAL YEAR ENDED 31 DECEMBER	RHB BANK GROUP
FINANCIAL YEAR ENDED 31 DECEMBER	2024	2023	2022	2021	2020
Profit before taxation	4,020	3,753	4,133	3,529	2,644
Net profit attributable to equity holders of the Bank	3,120	2,806	2,678	2,618	2,033

FINANCIAL YEAR ENDED 31 DECEMBER	RHB BANK GROUP
FINANCIAL YEAR ENDED 31 DECEMBER	2024	2023	2022	2021	2020
Total assets	349,915	328,692	310,752	289,467	271,150
Gross loans, advances and financing	237,758	222,416	212,200	198,512	186,114
Total liabilities	317,383	297,781	281,988	261,387	244,093
Deposits from customers	249,565	245,083	227,160	218,733	203,471
Share capital	8,687	8,330	8,146	7,613	6,994
Shareholders' equity	32,492	30,875	28,732	28,045	27,024
Commitments and contingencies	413,060	246,063	206,796	157,777	157,480

FINANCIAL YEAR ENDED 31 DECEMBER	RHB BANK GROUP
FINANCIAL YEAR ENDED 31 DECEMBER	2024	2023	2022	2021	2020
Dividend per RM1.00 share (sen)	43.00	40.00	40.00	40.00	17.65
Net assets per RM1.00 share (RM)	7.45	7.20	6.76	6.77	6.74
Net tangible assets per RM1.00 share (RM)	6.65	6.39	5.96	5.96	5.92
Basic earnings per RM1.00 share (sen)	72.0	65.7	64.0	64.7	50.7
Share price (RM)	6.48	5.45	5.79	5.37	5.45
Market Capitalisation (RM Million)	28,249	23,361	24,592	22,247	21,855

FINANCIAL YEAR ENDED 31 DECEMBER	RHB BANK GROUP
FINANCIAL YEAR ENDED 31 DECEMBER	2024	2023	2022	2021	2020
Net Return on Average Equity^N1	10.04	9.5	9.6	9.6	7.7
Net return on average assets	0.9	0.9	0.9	0.9	0.8
Cost-to-income	46.7	47.5	44.2	45.2	47.1

N1 : After second interim dividend / proposed final dividend

FINANCIAL YEAR ENDED 31 DECEMBER	RHB BANK GROUP
FINANCIAL YEAR ENDED 31 DECEMBER	2024	2023	2022	2021	2020
Gross loans to deposits	95.3	90.8	93.4	90.8	91.5
Gross impaired loans ratio	1.47	1.74	1.55	1.49	1.71

FINANCIAL YEAR ENDED 31 DECEMBER	RHB BANK GROUP
FINANCIAL YEAR ENDED 31 DECEMBER	2024	2023	2022	2021	2020
Dividend yield	6.6	7.3	6.9	7.4	3.2
Dividend payout ratio	60.1	61.1	63.2	62.9	34.8
Price to earnings multiple (times)	9.0	8.3	9.0	8.3	10.7
Price to book multiple (times)	0.9	0.8	0.9	0.8	0.8

Analysis of Shareholdings

Shareholders	No. Of Shares	%
Employees Provident Fund Board	1,711,478,000	39.26
OSK Holdings Berhad	447,768,886	10.27
Kumpulan Wang Persaraan (Diperbadankan)	219,858,560	5.04
Others: Local	1,214,031,580	27.85
Others: Foreign	766,352,524	17.58
Total	4,359,489,550	100.00

As at 28 February 2025

Foreign Shareholdings

MONTH	2025	2024	2023	2022	2021
Jan	17.19%	15.27%	17.27%	18.15%	18.88%
Feb	17.58%	15.51%	17.09%	18.20%	18.54%
Mar		15.41%	17.26%	18.05%	18.76%
Apr		14.55%	16.76%	18.64%	18.90%
May		13.97%	16.57%	17.96%	18.96%
Jun		13.93%	16.11%	17.21%	19.00%
Jul		14.64%	16.03%	16.95%	18.50%
Aug		16.01%	16.23%	17.26%	18.48%
Sep		16.56%	15.95%	17.26%	18.69%
Oct		17.05%	15.75%	16.65%	18.82%
Nov		18.84%	15.74%	17.78%	18.24%
Dec		17.60%	15.56%	17.50%	18.10%

Note: Position at the end of the month