Managing costs remains a priority, with cost-to-income ratio marginally improving to 48.8% despite a 2.6% y-o-y rise in overhead expenses. This was largely attributable to inflationary adjustments in personnel costs alongside increases in credit card related fees, IT expenses and marketing costs. Notwithstanding this, pre-provisioning operating profit (PPOP) was up 2.8% to RM15.54 billion.
Maybank Group announced an increase in net profit to RM10.51 billion, up 4.2% y-o-y for FY2025 ended Dec 31, 2025. This was underpinned by steady income growth, disciplined cost management and resilient asset quality.
Profit before tax (PBT), meanwhile rose 4.6% y-o-y to RM14.33 billion, reflecting stronger operating performance and lower credit costs during the year. Net operating income grew 2.7% y-o-y to RM30.38 billion, driven by an increase in net fund-based income to RM20.23 billion and non-interest income (NoII) to RM10.15 billion, up 2.7% y-o-y respectively. Net interest margin (NIM) remained stable at 2.05% despite rate cuts seen across markets, while improved asset quality, disciplined cost management, and optimised capital management lifted return on equity (ROE) to 11.7% from 11.1% in FY2024.
