KUALA LUMPUR – AFFIN Group has reported its strongest financial performance to date, recording a Profit Before Tax (PBT) of RM755.7 million for the year ending 31 December 2025. This marks a 7.8 percent increase compared to RM701.0 million achieved in 2024.
Group President and Chief Executive Officer Datuk Wan Razly Abdullah said the achievement was supported by a 47.4 percent rise in operating profit and a significant improvement in asset quality, with the Gross Impaired Loan (GIL) ratio reduced to a historic low of 1.64 percent.
“This strong performance, together with a solid capital and liquidity position, provides a solid foundation for us to seize opportunities in 2026 and strengthen the quality of earnings and long-term value for shareholders,” he said in a statement.
The Group’s net income rose by RM271.8 million despite higher operating expenses and impairment provisions. For the fourth quarter of 2025, AFFIN recorded PBT of RM215.6 million, representing an 18.4 percent increase quarter-on-quarter.
This was driven by stronger Net Interest Margins and a 30.5 percent rise in fee-based income, including foreign exchange and commission.
Total assets expanded to RM124.1 billion, while loans and financing grew 10.4 percent year-on-year to RM79.5 billion. Growth was mainly contributed by the Corporate Banking, Community Banking, and Islamic Banking segments.
Net income reached a record RM2.44 billion, up 12.5 percent from RM2.17 billion in 2024. The increase was supported by higher contributions from Islamic Banking, gains from financial instruments, and stronger net interest income.
Subsidiary Affin Islamic Bank Berhad also posted robust results, with PBT rising 39.1 percent to RM449.7 million compared to RM323.3 million in the previous year.
In terms of asset quality, the GIL ratio improved to 1.64 percent, while Loan Loss Coverage (LLC) and Loan Loss Reserve (LLR) stood at 75.70 percent and 121.30 percent respectively. Customer deposits increased by 7.6 percent to RM80.2 billion.
The Group’s Total Capital Adequacy Ratio remained strong at 17.3 percent, while the Liquidity Coverage Ratio stood at 162.4 percent, well above regulatory requirements.
As part of its shareholder rewards, the Board of Directors has proposed a single-tier final dividend of 8.53 sen per share, amounting to RM216 million for the financial year.
Wan Razly said the dividend proposal reflects AFFIN’s strong capital position and record-breaking performance in 2025. He added that the results are aligned with the Group’s Axelerate 2028 (AX28) strategic plan, which aims to strengthen core earnings and deliver sustainable long-term value.
