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The Affin Bank Group is a financial services conglomerate. The Group's activities focus on commercial, Islamic and investment banking services, money broking and underwriting of life and general insurance business.
Financial Highlights 2024
Financial Results for financial year ended 31 December 2024
RM701m 35.2% YoY
Profit before Tax after Zakat
111.8
Total Assets
(RM'billion)
11.6
Total Equity
(RM'billion)
74.5
Total Deposits from Customer
(RM'billion)
72.0
Gross Loan/Financing
(RM'billion)
| 2024 | 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|---|
| OPERATING RESULTS | |||||
| For the financial year ended 31 December (RM’million) | |||||
| Revenue | 2,170 | 1,986 | 3,297 | 2,241 | 2,265 |
| Profit before taxation | 701 | 518 | 1,377 | 704 | 387 |
| Net profit attributable to equity holders of the Company | 510 | 402 | 1,179 | 527 | 230 |
| KEY BALANCE SHEET DATA | |||||
| As at 31 December (RM’million) | |||||
| Loans, advances and financing | 70,892 | 65,225 | 57,932 | 50,528 | 45,493 |
| Total assets | 111,842 | 105,248 | 90,121 | 78,429 | 69,537 |
| Deposits from customers | 73,744 | 70,834 | 64,995 | 58,794 | 49,884 |
| Total liabilities | 100,241 | 94,139 | 79,492 | 68,495 | 59,899 |
| Commitments and contigencies | 85,186 | 87,431 | 56,648 | 45,197 | 36,250 |
| Paid-up capital | 5,489 | 5,371 | 5,245 | 4,969 | 4,902 |
| Shareholders’ equity attributable to the equity holders of the Company | 11,601 | 11,109 | 10,629 | 9,889 | 9,567 |
| FINANCIAL RATIOS (%) | |||||
| Net return on average shareholders’ funds | 4.49 | 3.70 | 11.49 | 5.42 | 2.44 |
| Net return on average assets | 0.31 | 0.41 | 1.40 | 0.71 | 0.33 |
| Net return on average risk-weighted assets | 0.49 | 0.65 | 2.16 | 1.07 | 0.49 |
| Cost to income ratio | 76.88 | 71.57 | 42.99 | 60.25 | 59.65 |
| Asset Quality Ratios | 1.94 | 1.90 | 1.97 | 2.54 | 3.52 |
| Net impaired loans ratio | 1.26 | 1.06 | 1.27 | 1.89 | 2.57 |
| Loan loss reserve | 117.49 | 143.54 | 164.77 | 130.23 | 98.23 |
| CASA Ratio | 30.40 | 26.70 | 23.50 | 21.03 | 22.24 |
| SHARE INFORMATION - Per share (sen) | |||||
| Earnings - Basic | 21.45 | 17.42 | 54.37 | 24.96 | 11.43 |
| Earnings - fully diluted | 21.22 | 17.31 | 54.37 | 24.96 | 11.03 |
| Gross Dividend | 0.00 | 5.76 | 30.39 | 12.50 | 3.50 |
| Net assets | 4.83 | 4.73 | 4.67 | 4.66 | 4.60 |
| Share price - high | 292 | 210 | 205 | 184 | 193 |
| Share price - low | 288 | 202 | 202 | 162 | 133 |
| Share price as at 31 December | 291 | 208 | 203 | 173 | 184 |
| Market capitalisation (RM’million) | 6,985 | 4,881 | 4,616 | 3,675 | 3,827 |
| SHARE VALUATION | |||||
| Gross dividend yield (%) | 5.26 | 2.77 | 14.97 | 7.23 | 1.90 |
| Dividend payout ratio (%):- | |||||
| - based on Group’s profit after tax | 72.54 | 33.61 | 57.45 | 50.39 | 31.60 |
| - based on Company’s profit after tax | 146.18 | 53.78 | 53.29 | 68.92 | 78.29 |
| Price to earnings multiple (times) | 13.64 | 11.98 | 3.73 | 6.93 | 16.10 |
| SEGMENT INFORMATION | |||||
| Profit before taxation and zakat by activity (RM’million) | |||||
| Commercial banking | 648 | 583 | 1,511 | 647 | 195 |
| Investment banking | 152 | 92 | 1,197 | 281 | 344 |
| Insurance (net of tax) | 55 | 36 | 9 | 45 | 41 |
| Others | (147) | (189) | (1,335) | (264)) | (186) |
| 708 | 522 | 1,382 | 710 | 394 | |
Copyright 2025 Affin Bank Berhad 197501003274 (25046-T).
