The latest results of the top 4 banks in Malaysia. What’s happening?

The latest results of the top 4 banks in Malaysia. What’s happening?

Ringgit’s movement does not necessarily reflect the economic status

I know, ringgit is on a roll this year. However, ringgit’s appreciation does not necessarily reflect a strong economy and vice-versa. I think I was only one of the few who kept explaining that ringgit’s depreciation is not due to our economy but due to the USD strengthening due to interest rate decision expectations. Most disagree with my assessment but it’s okay. Now that the ringgit is doing well, all these people have disappeared and may not want to engage

If we like to know the state of the economy, look to the banks’ results

When we ask someone negative about the economic situation, the response will always be negative. When we ask someone who’s positive about the economic situation, the response will be positive. Just as if we ask the property developer what do they think about the property market, do we believe they will say it is all gloom and doom? Instead of asking and getting some ‘biased’ answers, how about we just look at numbers, nothing but actual numbers of achievements in the market?

Yes, we look to the results of the banks. To be more specific, we look into the results of the top 4 banks here in Malaysia. They include Maybank, CIMB, Public Bank and RHB Bank.

Maybank

Article in asianbankingandfinance.net: Maybank has announced a net profit of over $1.89b (MYR7.84b) for the nine months that ended on 30 September 2025, up 3.7% from a year earlier.

Steady net-fund based income performance, higher non-interest income (NOII), and risk discipline across its regional network, helped lift up profits, the Malaysian bank said in its financial results announcement on 21 November 2025.

Net interest margin (NIM) for the first nine months dipped 1 basis point (bp) to 2.03% compared to a year earlier. Article in asianbankingandfinance.net:

CIMB Bank

Article in thestar.com.my: In the quarter ended Sept 30, 2025, CIMB said net profit rose to RM2.08bil from RM2.03bil in the year-ago quarter, translating to an earnings per share of 19.32 sen from 18.98 sen previously.

The group reported quarterly revenue of RM5.95bil as compared to RM5.74bil in the previous corresponding quarter.

For the nine-month period to Sept 30, 2025, it reported net profit of RM5.94bil as compared to RM5.93bil in the same period in 2024. Revenue rose to RM17.05bil from RM16.97bil in the comparative period. Article in thestar.com.my:

Public Bank

Article in thestar.com.my: In 3Q25, PBB posted a net profit of RM1.84bil, or 9.54 sen earnings per share, compared with RM1.91bil, or 9.85 sen, in the same quarter a year ago.

Quarterly revenue rose about 9% to RM7.4bil from RM6.8bil in the corresponding period last year.
In the nine months to Sept 30, PBB posted a flat net profit of RM5.35bil, while revenue rose 9.62% to RM22bil from RM20bil a year earlier.

PBB said its net interest and financing income rose by 2.5% to RM8.45bil, as compared with RM8.24bil in the corresponding period in 2024. Article in thestar.com.my:

RHB Bank

Article in nst.com.my. RHB Bank Bhd reported a net profit of RM904.01 million for the third quarter (3Q) ended Sept 30, 2025, up from RM833.19 million a year earlier, driven by higher total income, lower credit losses and disciplined cost management.

Revenue rose marginally to RM4.52 billion in the quarter from RM4.51 billion previously, the bank said in a filing with Bursa Malaysia.

Group managing director and group chief executive officer Datuk Mohd Rashid Mohamad said the results underscore the group’s resilience and its ability to deliver sustainable performance despite a challenging operating environment.

For the nine-month period, net profit increased to RM2.46 billion from RM2.29 billion, a 7.5 per cent year-on-year rise, while revenue edged up to RM13.41 billion from RM13.33 billion. Article in nst.com.my

What does the result tell us the common people?

It tells me that the market is definitely vibrant. It tells me that people are still borrowing money and the banks are still lending. It tells me that people continue to buy properties, cars and businesses are also expanding too. Well, in essence, the whole scenario seems positive for the first 9 months of 2025. In fact, it says that the economy is growing versus a year earlier.

What it does not tell me would be the best property type to buy. Go check out properties, look through 10 before we even decide what would be the type which appeals to us the most. It does not tell me which is the best stock to buy. Just need to understand that companies are doing well, so pick the ones which are showing good promise.

Happy understanding that based on all these, I do think it is possible that we will have another amazing dividend announcement from EPF for 2025. Looking forward yeah.

Happy reading!Property News Malaysia? Sign up for daily investment news updates (FREE since Nov 2013 and FOREVER). 

Alternatively, Follow me on Telegram here.

Please LIKE kopiandproperty.com FB page to get daily updates about the property market beyond kopiandproperty.com articles.

Else, follow me on Twitter here.