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RHB Bank Bhd

RHB Bank Bhd

1066 · KLSE · Financial Services / Banks - Regional

7.73MYR+0.20 (+2.66%)

Price History

Full chart

Market Stats

Previous Close7.53
Open7.52
Day Range7.47 – 7.73
52-Week Range6.36 – 8.77
Volume13.77M
Market Cap32.52B
P/E (TTM)9.43
Forward P/E8.85
EPS0.79
Dividend Yield6.71%
Beta0.02
50-Day Avg7.79
200-Day Avg8.21

About

RHB Bank Berhad provides commercial banking and finance related products and services in Malaysia and internationally. Its Group Community Banking segment offers mortgages, non-residential mortgages, hire purchase, purchase of securities, credit cards, other personal loans, financing, remittances, deposits collection, investment related, and bancassurance/bancatakaful products; and financing solutions, as well as trade and cash management solutions. Its Group Wholesale Banking segment provides treasury products and solutions; corporate and debt restructuring, mergers and acquisitions, and takeovers advisory services, as well as fundraising and trustee services; transactional services; stockbroking and investment banking products and services; management of unit trust funds, investment management advisory, private mandates, and product development services; supply chain financing solutions; provides advice on macroeconomic developments; and economic and sectoral trends. Its Group Corporate and Business Banking offers conventional and Shariah-compliant financial solutions; and working capital financing, term financing, project financing, syndication, corporate exercise support, structured trade finance, unrated corporate bond, and foreign currency hedging services. Its Group International Business segment offers commercial and investment banking related services. Its Insurance segment provides general insurance for retail, SME, commercial, and corporate customers. Its Support Center and Others segment offers nominee, property investment and rental of premises, and other related financial services. The company also provides Islamic, merchant, and offshore banking; and leasing, custodian, fiduciary, asset management, and securities brokerage and underwriting services. In addition, it leases industrial construction, business equipment, and motor vehicles; and invests and manages properties. The company was founded in 1913 and is headquartered in Kuala Lumpur, Malaysia.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Mohd Rashid Bin Mohamad
  • Employees13.00K
  • HeadquartersTower One, Kuala Lumpur, Malaysia, 50400, Malaysia
  • Websitehttps://www.rhbgroup.com

Leadership

  • Mr. Mohd Rashid Bin MohamadGroup MD, Group CEO of RHB Banking Group & Executive Director · b. 1968
  • Mr. Mohamed Bin Rastam ShahromChief Financial Officer · b. 1971
  • Mr. Ming Liang ChongGroup Chief Operations Officer · b. 1968
  • Mr. Wong Kwang LehGroup Chief Technology Officer · b. 1971
  • Ms. Haryati Binti YahyaHead of Investor Relations
  • Mr. Azman Shah Md YamanChief Integrity & Governance Officer, Head of Legal, Secretariat & Governance and Company Secretary · b. 1968
  • Ms. Fazlina Mohamed GhazalliGroup Chief Compliance Officer · b. 1970
  • Ms. Norazzah SulaimanGroup Chief Sustainability & Communications Officer · b. 1967
  • Ms. Wan Mariah Abu HassanGroup Chief People Officer · b. 1974
  • Mr. Eow Oo NgManaging Director of Group Community Banking · b. 1975

Financials

Income Statement

Currency: MYR2005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue4.47B5.51B6.09B5.99B4.86B6.15B7.06B8.01B9.54B10.50B10.82B10.30B10.33B11.18B11.55B10.71B10.10B11.20B13.74B14.77B14.98B
Growth (%)-+23.23%+10.67%-1.71%-18.80%+26.41%+14.81%+13.51%+19.01%+10.09%+3.02%-4.76%+0.30%+8.16%+3.34%-7.28%-5.65%+10.84%+22.67%+7.54%+1.39%
Cost of Revenue1.88B2.47B2.77B2.56B1.76B2.10B2.78B3.19B3.63B4.18B4.60B4.38B4.18B4.36B4.49B3.23B2.27B3.21B5.91B6.26B6.66B
Gross Profit2.58B3.04B3.33B3.43B3.10B4.05B4.28B4.82B5.91B6.32B6.21B5.92B6.15B6.82B7.06B7.48B7.84B7.99B7.82B8.51B8.32B
Gross Margin57.82%55.23%54.58%57.34%63.81%65.87%60.67%60.16%61.98%60.20%57.45%57.49%59.51%60.99%61.15%69.87%77.57%71.36%56.95%57.60%55.52%
Operating Expense2.01B2.21B2.19B2.01B1.57B2.15B2.03B2.44B3.44B3.59B3.96B3.69B3.59B3.70B3.67B4.84B4.31B3.86B4.07B4.49B3.91B
Operating Income578.42M829.85M1.14B1.42B1.54B1.90B2.25B2.38B2.47B2.74B2.25B2.23B2.56B3.12B3.39B2.64B3.53B4.13B3.75B4.02B4.41B
Operating Margin12.94%15.07%18.65%23.75%31.63%30.89%31.87%29.76%25.91%26.05%20.81%21.66%24.76%27.91%29.39%24.69%34.93%36.90%27.32%27.21%29.42%
EBITDA671.62M915.54M1.23B1.50B1.62B2.00B2.35B2.51B2.64B2.92B2.44B2.42B2.76B3.34B3.72B2.95B3.85B4.49B4.14B4.43B4.81B
EBITDA Margin15.03%16.63%20.17%25.07%33.37%32.50%33.29%31.36%27.68%27.79%22.59%23.50%26.70%29.88%32.21%27.54%38.12%40.14%30.16%29.99%32.10%
Net Income432.65M595.90M822.07M1.05B1.21B1.43B1.69B1.78B1.83B2.04B1.66B1.68B1.95B2.31B2.48B2.03B2.62B2.68B2.81B3.12B3.36B
Net Income Margin9.68%10.82%13.49%17.52%24.85%23.23%23.91%22.27%19.20%19.41%15.39%16.32%18.87%20.63%21.49%18.98%25.91%23.92%20.43%21.12%22.45%
Interest Expense1.88B2.47B2.77B2.56B1.76B2.10B2.78B3.19B3.63B4.18B4.60B4.38B4.18B4.36B4.49B3.23B2.27B3.21B5.91B6.26B5.93B
Interest Expense % of Total Revenue42.18%44.77%45.42%42.66%36.19%34.13%39.33%39.84%38.02%39.80%42.55%42.51%40.49%39.01%38.85%30.13%22.43%28.64%43.05%42.40%39.60%

Balance Sheet

Currency: MYR2005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets89.90B103.31B105.15B104.53B115.09B129.11B152.30B189.11B191.09B219.35B230.72B236.68B230.21B243.17B257.59B271.15B289.54B310.79B328.69B349.91B358.10B
Total Liabilities84.39B97.26B98.08B96.69B106.34B119.15B140.68B173.77B174.15B200.46B207.61B214.90B207.03B219.77B231.78B244.09B261.51B282.04B297.78B317.38B323.91B
Total Equity4.49B4.93B7.05B7.81B8.71B9.95B11.62B15.12B16.74B18.79B23.08B21.74B23.15B23.36B25.78B27.02B28.00B28.72B30.87B32.49B34.15B
Cash13.98B16.26B22.41B14.90B18.89B16.09B24.52B31.55B17.03B24.04B19.63B20.39B15.19B18.30B17.34B15.63B24.00B19.83B18.99B16.23B8.93B
Total Debt6.23B5.92B6.45B6.85B6.07B7.93B7.72B10.50B9.73B12.39B37.57B12.97B8.76B8.86B37.37B35.21B28.80B43.11B12.82B12.74B56.90B
Net Debt-7.75B-10.34B-15.97B-8.06B-12.82B-8.16B-16.80B-21.06B-7.30B-11.66B-7.24B-7.41B-6.43B-9.44B-10.02B-8.58B-16.82B-11.49B-6.17B-3.49B47.97B

Cash Flow

Currency: MYR2005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-3.21B1.99B3.59B-3.29B3.59B285.39M5.56B4.79B-8.57B2.51B817.83M813.76M-3.26B4.96B6.20B505.90M11.60B5.83B-1.09B681.89M6.83B
Investing Cash Flow2.10B-2.74B1.91B-2.21B-2.00B-3.17B370.83M-2.79B-4.31B1.16B-3.91B-3.47B2.94B-1.63B-4.34B-1.96B4.99M-6.35B-6.66B-2.60B-16.69B
Financing Cash Flow-225.95M64.70M2.87B799.74M735.70M966.71M-328.80M1.99B-1.13B2.42B-616.52M4.32B-4.20B-703.13M-2.78B-1.05B-816.76M-248.21M2.61B-1.35B4.60B
Capital Expenditure72.99M71.49M74.45M108.74M122.76M143.11M180.79M127.06M153.46M236.50M242.07M258.47M281.59M320.78M271.51M270.08M319.26M389.40M367.79M341.86M129.48M
Free Cash Flow-3.28B1.92B3.52B-3.40B3.47B142.28M5.38B4.67B-8.72B2.27B575.75M555.29M-3.54B4.64B5.93B235.82M11.28B5.44B-1.46B340.03M6.70B
Dividends Paid45.95M26.26M158.47M280.47M251.96M362.59M476.82M452.97M553.20M72.26M178.03M225.50M481.20M701.76M1.02B741.86M699.52M1.13B1.52B1.37B1.87B
FCF to OCF102.27%96.40%97.93%103.31%96.58%49.86%96.75%97.35%101.79%90.56%70.40%68.24%108.63%93.53%95.62%46.61%97.25%93.32%133.62%49.87%98.10%
Dividend Paid to FCF-1.40%1.37%4.50%-8.25%7.26%254.84%8.86%9.71%-6.34%3.18%30.92%40.61%-13.58%15.13%17.23%314.59%6.20%20.86%-103.99%402.49%28.00%

Earnings

Report DateNov 24, 2008Feb 23, 2009May 19, 2009Aug 24, 2009Nov 24, 2009Mar 1, 2010May 18, 2010Aug 30, 2010Nov 23, 2010Feb 28, 2011May 17, 2011Aug 29, 2011Nov 22, 2011May 22, 2012Aug 27, 2012Nov 20, 2012Feb 25, 2013May 29, 2013Aug 16, 2013Nov 27, 2013Feb 27, 2014May 28, 2014Aug 29, 2014Nov 26, 2014Feb 26, 2015May 27, 2015Aug 27, 2015Nov 25, 2015Feb 29, 2016May 25, 2016Aug 26, 2016Nov 17, 2016Mar 3, 2017May 23, 2017Aug 29, 2017Nov 27, 2017Feb 27, 2018May 31, 2018Aug 31, 2018Nov 28, 2018Feb 27, 2019May 30, 2019Aug 26, 2019Nov 21, 2019Feb 26, 2020May 29, 2020Aug 28, 2020Nov 30, 2020Feb 26, 2021May 27, 2021Aug 27, 2021Nov 30, 2021Feb 28, 2022May 30, 2022Aug 29, 2022Nov 28, 2022Feb 27, 2023May 26, 2023Aug 29, 2023Nov 27, 2023Feb 27, 2024May 29, 2024Aug 27, 2024Nov 29, 2024Feb 27, 2025May 28, 2025Aug 28, 2025Nov 27, 2025Feb 27, 2026May 29, 2026Aug 28, 2026Nov 26, 2026
EPS Estimate---------------------------------------------0.180.110.110.100.120.140.140.140.150.140.150.140.180.150.160.150.150.160.170.160.180.180.190.210.200.210.19
EPS Actual0.120.070.080.100.120.120.120.120.120.130.130.130.130.150.150.160.130.110.120.160.150.130.160.160.140.140.150.060.090.140.090.130.070.120.120.120.110.150.140.140.140.160.150.150.150.140.100.140.110.160.180.160.150.140.150.170.180.180.190.150.140.170.170.190.190.170.180.210.210.200.18-
Surprise----------------------------------------------22.22%-9.09%27.27%10.00%33.33%28.57%14.29%7.14%-6.67%7.14%13.33%28.57%0.00%26.67%-6.25%-6.67%13.33%6.25%11.76%18.75%-5.56%0.00%10.53%0.00%0.00%-14.29%-
Timing---------------------------------------------Pre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market

Key Statistics & Ratios

Market Cap32.52B
Enterprise Value36.61B
Trailing P/E9.43
Forward P/E8.85
PEG Ratio1.09
Price / Sales3.72
Price / Book0.96
EPS0.79
Book Value7.81
Revenue (TTM)8.74B
Gross Profit (TTM)8.74B
Profit Margin39.75%
Operating Margin53.30%
Return on Equity10.31%
Return on Assets0.95%
Shares Outstanding4.36B
Shares Float2.85B
Beta0.02
Dividend Yield6.71%
Dividend Rate0.50
Payout Ratio84.75%

Dividends

20262×
0.15Sep 14, 20260.35Mar 13, 2026
20252×
0.15Sep 12, 20250.28Mar 21, 2025
20242×
0.15Sep 17, 20240.25Apr 18, 2024
20232×
0.15Sep 27, 20230.20Apr 14, 2023
20222×
0.05Oct 7, 20220.15May 17, 2022
20213×
0.10Oct 5, 20210.08Jun 9, 20210.10Jan 19, 2021
20201×
0.18Jun 10, 2020
20192×
0.13Sep 18, 20190.13May 7, 2019
20182×
0.07Sep 18, 20180.10Jun 4, 2018
20172×
0.05Sep 29, 20170.07May 15, 2017
20162×
0.05Sep 13, 20160.09Apr 11, 2016
20151×
0.04Mar 25, 2015
20141×
0.08Jun 19, 2014

Stock Splits

  • Jun 2, 201613:10
  • Nov 19, 2015881:850