Kuala lumpur: CIMB Group Holdings Bhd has reported an increase in its net profit for the third quarter ended September 30, 2025 (3Q 2025), reaching RM2.08 billion compared to RM2.03 billion during the same period last year. The group’s revenue also saw an uptick, rising to RM5.95 billion from RM5.74 billion previously.

According to BERNAMA News Agency, CIMB disclosed in a filing with Bursa Malaysia that its operating income for 3Q 2025 grew by 3.6 percent year-on-year (y-o-y). This growth was driven by higher non-interest income (NOII) stemming from robust trading and foreign exchange income, although it was partially offset by a decline in net interest income (NII). The consumer banking segment saw a 25 percent y-o-y decline in profit before tax (PBT) to RM685 million, attributed to net interest margin (NIM) pressure and higher provisions. In contrast, wholesale banking PBT experienced a 57.5 percent y-o-y increase, primarily due to expected credit loss writebacks.

For the first nine months of 2025, CIMB’s net profit slightly rose to RM5.94 billion from RM5.93 billion, with revenue increasing to RM17.05 billion from RM16.97 billion. On a constant currency basis, total deposits and current account saving account (CASA) balances grew by 9.1 percent to RM518.1 billion, and CASA balances rose by 15.3 percent y-o-y, enhancing the group’s CASA ratio to 44.1 percent as of September 2025. This growth is attributed to the group’s Forward30 cash strategy, which effectively mitigated NIM compression due to persistent rate cuts.

CIMB also reported a 3.3 percent y-o-y expansion in gross loans to RM448.2 billion and a 5.1 percent y-o-y increase in assets to RM778.5 billion. The group’s asset quality remained stable, supported by continued corporate recoveries in 3Q 2025, with total provisions declining to RM330 million, indicating stable credit performance across key portfolios.

Looking ahead, the group expressed optimism about the macroeconomic and business outlook for the remainder of 2025. While potential economic benefits from a tapering global interest rate environment are anticipated, the group remains cautious due to ongoing geopolitical uncertainties, volatile markets, and tariff-related developments. CIMB emphasized that its Forward30 strategic plan will continue to guide its focus on CASA and balance sheet growth, risk-adjusted return on capital strategies, disciplined cost management, and sustained asset quality monitoring.

In addition, CIMB declared a single-tier special dividend of seven sen per share for the financial year ending December 31, 2025. This dividend, to be paid on December 24, 2025, will amount to RM754 million based on current shares, or up to RM760 million if all eligible employee stock options are exercised.