Quick Summary :
Management Intend to returning up to RM2 billion of capital to shareholders by end-2027, the special dividends of up to RM760.2(or 7sen per share) will be disbursed to shareholders on 24 December 2025

NII relatively flat at -0.9% YoY
NOII growth of 3.4% YoY
Loan loss charge at 33bps
GIL improved to 1.9% (vs 2.1% in Dec 24)
CET1 ratio at 14.8%

Consumer Banking PBT declined by 25.0% YoY due to NIM pressure and higher provisions.
Commercial Banking PBT was 16.6% lower YoY from the weaker topline and increased provisions.
Wholesale Banking PBT rose 57.5% YoY mainly due to ECL writebacks in 3Q25.
CIMB Digital Assets & Group Funding PBT fell 31.6% YoY owing to higher provisions and overhead expenses.