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CIMB Group Holdings Berhad provides various banking products and services in Malaysia and internationally. The Consumer Banking segment offers conventional and Islamic financial products and services, such as residential and non-residential property loans, secured personal loans, motor vehicle financing, credit cards, unsecured personal financing, wealth management, bancassurance, remittance and foreign exchange, deposits, and internet banking services to individual customers. Its Commercial Banking segment provides banking credit facilities, trade financing, cash management, online business banking platform, remittance, and foreign exchange, as well as general deposit products to small and medium-scale enterprises, and mid-sized corporations. The Wholesale Banking segment offers client coverage marketing and delivering solutions; financial advisory services on issuance of equity and equity-linked products, debt restructuring, initial public offerings, secondary offerings, and general corporate advisory; conventional and Islamic funding solutions covering trade, working capital line, capital expenditure, leveraging, merger and acquisition, leveraged, and project financing products; and funding solutions, including cash management, trade finance, foreign exchange, custody and corporate loans, derivatives, structured products, and debt capital. This segment also includes treasury activities and services comprising foreign exchange, money market, derivatives, and capital market trading instruments; transaction banking services, such as trade facilities and cash management solutions; and wealth management solutions, as well as investment, securities financing, and trust services. Its CIMB Digital Assets and Group Funding segment engages in digital businesses and ventures, as well as capital, balance sheet, and fixed income investments and management activities. The company was founded in 1924 and is headquartered in Kuala Lumpur, Malaysia.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
CIMB Group Holdings Berhad is a Malaysia-headquartered universal bank operating retail, wholesale, investment and Islamic banking across ASEAN, with presence in Indonesia, Thailand, Singapore and regional markets. Long-term growth may be supported by regional retail loan expansion, digital banking adoption and growth in Islamic finance, while scale and diversified fee income could appeal to investors seeking ASEAN bank exposure.
The primary investment risks include credit-cycle sensitivity and asset-quality deterioration from Malaysia and broader ASEAN economic fluctuations, alongside regulatory changes, competitive pressures and currency exposure that investors should monitor.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 10562.90M | 10395.93M | 9540.73M | 8371.01M | 5789.48M |
| Minority interest | -168.88M | -191.33M | -181.13M | -153.07M | -97.29M |
| Net income | 7842.07M | 7728.05M | 6980.96M | 5439.86M | 4295.33M |
| Selling general administrative | 1232.31M | 1068.74M | 1132.88M | 1148.00M | 1187.51M |
| Selling and marketing expenses | 555.03M | 410.55M | 336.21M | 248.02M | 174.50M |
| Gross profit | 22241.34M | 22238.21M | 20923.58M | 19802.98M | 18177.37M |
| Reconciled depreciation | 1018.68M | 1086.45M | 1006.65M | 1112.29M | 1222.80M |
| Ebit | 10562.90M | 10395.93M | 9540.73M | 8217.94M | 5692.19M |
| Ebitda | 11048.55M | 11482.38M | 10547.38M | 9330.23M | 6914.98M |
| Depreciation and amortization | 485.65M | 1086.45M | 1006.65M | 1112.29M | 1222.80M |
| Operating income | 10656.28M | 10395.93M | 9540.73M | 8217.94M | 5692.19M |
| Other operating expenses | 25825.92M | 27105.48M | 25409.67M | 9343.88M | 9353.05M |
| Interest expense | 13794.95M | 15263.20M | 14026.82M | 6910.30M | 5310.23M |
| Tax provision | 2651.61M | 2476.55M | 2378.64M | 2778.08M | 1396.85M |
| Interest income | 25144.86M | 26629.77M | 25114.28M | 18533.22M | 16157.76M |
| Net interest income | 11319.16M | 11366.57M | 11087.45M | 11622.92M | 10936.49M |
| Income tax expense | 2645.71M | 2476.55M | 2378.64M | 2778.08M | 1396.85M |
| Total revenue | 36505.95M | 37501.41M | 34950.40M | 19802.98M | 18177.37M |
| Total operating expenses | 11678.45M | 11842.28M | 11382.84M | 9343.88M | 9353.05M |
| Cost of revenue | 15174.21M | 15263.20M | 14026.82M | - | - |
| Total other income expense net | -93.39M | -9888.68M | -9381.55M | 153.07M | 97.29M |
| Net income from continuing ops | 8028.43M | 7919.38M | 7162.10M | 5592.93M | 4392.62M |
| Net income applicable to common shares | - | - | - | 5439.86M | 4295.33M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 776992.51M | 755130.70M | 733572.15M | 666721.22M | 621907.06M |
| Intangible assets | 1920.24M | 1926.51M | 1914.97M | 1798.51M | 1857.47M |
| Other current assets | -524.58M | -17835.85M | 79298.07M | 19301.81M | 11141.13M |
| Total liab | 706816.62M | 684291.81M | 663733.26M | 602937.37M | 561798.31M |
| Total stockholder equity | 70204.63M | 69443.80M | 68526.96M | 62691.21M | 59063.26M |
| Other current liab | 486966.38M | 556882.13M | 537135.55M | -271.31M | -192.64M |
| Common stock | 29707.78M | 29439.25M | 29094.55M | 29094.55M | 27099.68M |
| Capital stock | 29774.00M | 29439.25M | 29094.55M | 29094.55M | 27099.68M |
| Retained earnings | 41554.26M | 39468.08M | 38233.92M | 35855.76M | 33096.66M |
| Other liab | - | - | - | 24450.46M | 17667.42M |
| Good will | 6121.16M | 6370.83M | 6475.95M | 6382.44M | 6444.10M |
| Other assets | - | 755130.70M | -215396.62M | 396602.36M | 361643.59M |
| Cash | 36320.38M | 48239.30M | 52546.40M | 58436.58M | 59467.15M |
| Total current liabilities | 587319.22M | 557213.92M | 537466.29M | 271.31M | 192.64M |
| Net debt | 99195.66M | -9800.34M | -17371.05M | -28083.61M | -27275.24M |
| Short term debt | 100042.16M | - | 101777.75M | - | - |
| Short long term debt total | 135516.04M | 38438.96M | 35175.35M | 30352.97M | 32191.90M |
| Other stockholder equity | 950.52M | 536.46M | 1198.49M | 33596.66M | 31963.58M |
| Property plant equipment | - | - | - | 2656.28M | 2748.56M |
| Total current assets | 51551.99M | 66075.15M | 68710.24M | 83154.05M | 82474.63M |
| Long term investments | 244929.61M | 224828.52M | 213462.31M | 176127.58M | 166738.71M |
| Net tangible assets | - | - | - | 54310.25M | 50561.69M |
| Short term investments | 15231.61M | - | -18028.35M | - | - |
| Net receivables | 524.58M | 17835.85M | 16163.84M | 24717.47M | 23007.48M |
| Inventory | - | - | 19622.01M | 210.12M | 188.91M |
| Accounts payable | 310.68M | 331.80M | 330.75M | 271.31M | 192.64M |
| Accumulated other comprehensive income | -2007.93M | -1645.13M | -284.94M | - | - |
| Non currrent assets other | 13004.39M | 259263.83M | 243918.71M | -186964.81M | -177788.84M |
| Non current assets total | 725440.51M | 689055.55M | 664861.91M | 186964.81M | 177788.84M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | -5969.24M | -2658.42M | -21277.24M | -6135.91M | -14635.89M |
| Change to liabilities | - | - | - | 0.00M | 0.00M |
| Total cashflows from investing activities | -1515.80M | -2658.42M | -21277.24M | -6135.91M | -11992.11M |
| Net borrowings | 6345.80M | 4919.29M | 7077.04M | -3015.30M | -5330.86M |
| Total cash from financing activities | -669.84M | -2574.44M | 2126.94M | -4651.68M | -6587.24M |
| Change to operating activities | - | - | - | -24889.34M | -11317.72M |
| Net income | 7842.07M | 10395.93M | 9540.73M | 8371.01M | 5789.48M |
| Change in cash | -504.09M | -4195.67M | -8812.51M | -3067.64M | 4231.59M |
| Begin period cash flow | 30030.88M | 34226.56M | 43039.07M | 46106.71M | 41194.14M |
| End period cash flow | 29526.79M | 30030.88M | 34226.56M | 43039.07M | 45425.73M |
| Total cash from operating activities | 2663.12M | 1876.68M | 9223.46M | 8095.59M | 23172.23M |
| Issuance of capital stock | 276.76M | 283.17M | 0.00M | - | - |
| Depreciation | 1018.68M | 1086.45M | 1006.65M | 1112.29M | 1222.80M |
| Other cashflows from investing activities | 5518.21M | 5232.30M | 5094.15M | 4015.04M | 3534.64M |
| Dividends paid | 5017.35M | 5611.58M | 3252.86M | -649.58M | -266.90M |
| Other cashflows from financing activities | -2260.31M | -823.58M | -1697.25M | 11368.58M | 6262.22M |
| Change to netincome | - | - | - | -1394.27M | -185.36M |
| Capital expenditures | 1080.45M | 881.60M | 1024.36M | 907.60M | 1171.60M |
| Change in working capital | -1247.05M | -2216.57M | 5245.01M | 2937.72M | 17839.46M |
| Stock based compensation | 22.91M | 37.54M | 73.78M | 77.42M | 82.46M |
| Other non cash items | -3931.91M | -6302.68M | -6642.71M | -4402.84M | -1761.96M |
| Free cash flow | 1582.66M | 995.09M | 8199.10M | 7187.99M | 22000.63M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| DBSDY DBS Group Holdings Ltd ADR |
-1.12 0.48% |
230.84 | 20.00 | 17.57 | 7.54 | 3.17 | 13.19 |
| CIHHF China Merchants Bank Co Ltd Class H |
0.01 0.08% |
6.66 | 7.70 | 7.10 | 0.55 | 0.83 | 3.51 |
| CIHKY China Merchants Bank Co Ltd |
0.22 0.66% |
33.47 | 7.79 | 7.20 | 0.55 | 0.85 | 3.51 |
| UNCFF UniCredit SpA |
- -% |
83.45 | 11.53 | 10.27 | 5.72 | 1.83 | 8.22 |
CIMB Group Holdings Berhad provides various banking products and services in Malaysia and internationally. The Consumer Banking segment offers conventional and Islamic financial products and services, such as residential and non-residential property loans, secured personal loans, motor vehicle financing, credit cards, unsecured personal financing, wealth management, bancassurance, remittance and foreign exchange, deposits, and internet banking services to individual customers. Its Commercial Banking segment provides banking credit facilities, trade financing, cash management, online business banking platform, remittance, and foreign exchange, as well as general deposit products to small and medium-scale enterprises, and mid-sized corporations. The Wholesale Banking segment offers client coverage marketing and delivering solutions; financial advisory services on issuance of equity and equity-linked products, debt restructuring, initial public offerings, secondary offerings, and general corporate advisory; conventional and Islamic funding solutions covering trade, working capital line, capital expenditure, leveraging, merger and acquisition, leveraged, and project financing products; and funding solutions, including cash management, trade finance, foreign exchange, custody and corporate loans, derivatives, structured products, and debt capital. This segment also includes treasury activities and services comprising foreign exchange, money market, derivatives, and capital market trading instruments; transaction banking services, such as trade facilities and cash management solutions; and wealth management solutions, as well as investment, securities financing, and trust services. Its CIMB Digital Assets and Group Funding segment engages in digital businesses and ventures, as well as capital, balance sheet, and fixed income investments and management activities. The company was founded in 1924 and is headquartered in Kuala Lumpur, Malaysia.
| Name | Title | Year Born |
|---|---|---|
| Mr. Abdul Rahman Bin Ahmad | Group CEO & Exec. Director | 1969 |
| Mr. Khairulanwar Bin Rifaie | Group Chief Financial Officer | 1981 |
| Mr. Chek Chye Tan | Head of Investor Relations | NA |
| Mr. Keen Yew Kwan | Group Chief Legal, Compliance, Integrity & Governance Officer | 1974 |
| Josandi Thor | Head of Brand, Marketing & Communications and Managing Director for Group Marketing & Communication | NA |
| Ms. Suria Zainal | Head - Group Corp. Communications | NA |
| Mr. Gurdip Singh Sidhu | Group Chief People Officer & Chief Sustainability Officer | 1973 |
| Mr. Effendy Shahul Hamid | Chief Exec. Officer of CIMB Digital Assets | 1973 |
| Mr. Samir Gupta | Chief Exec. Officer of Group Consumer Banking | 1962 |
| Mr. Hendra Lembong | Chief Fintech Officer | 1972 |
Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.
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