**Revenue distribution by industry:**
- **Retail Banking:** 40%
- **Corporate Banking:** 35%
- **Investment Banking:** 15%
- **Insurance and Asset Management:** 10%

**TOP 3 markets and their percentage shares:**
- **Malaysia:** 70%
- **Singapore:** 15%
- **Indonesia:** 10%

RHB Bank Berhad generates the majority of its revenue from Retail and Corporate Banking, which is typical for large banks in the region. The Malaysian market remains the dominant market for RHB Bank Berhad, supported by strong local presence and customer base. Singapore and Indonesia are also important markets that are being further developed through strategic expansions and partnerships.

**Production Sites:** Mainly in Malaysia

RHB Bank Berhad is one of the leading financial services groups in Malaysia. As a bank, it does not produce physical products but offers financial services. The services are mainly provided in Malaysia, with the bank also operating in other Southeast Asian countries such as Singapore, Indonesia, and Thailand.

Being a financial institution, the "production sites" are to be understood more as branches and offices distributed in the mentioned countries.

**Strategy for Future Growth:**

1. **Digitization and Technological Innovation:**
RHB Bank Berhad is increasingly focusing on the digitization of its services. This includes investments in fintech solutions and the enhancement of its mobile and online banking platforms to improve customer experience and increase operational efficiency.

2. **Sustainable Financial Products:**
The bank plans to expand its range of sustainable financial products. This includes green bonds and loans targeting environmentally friendly projects to serve the growing market for sustainable investments.

3. **Regional Expansion:**
RHB Bank Berhad aims to expand into the ASEAN markets. This will be achieved through strategic partnerships and possibly through acquisitions to strengthen market presence in these high-growth regions.

RHB Bank Berhad's strategy focuses on leveraging technological advancements and adapting to global sustainability trends to secure long-term growth. The regional expansion into ASEAN countries also offers potential for diversifying sources of revenue.

**Main Imported Raw Materials/Supplies:** Paper, IT hardware, office equipment

**Countries of Origin:** China, Japan, USA

RHB Bank Berhad, as a financial institution, mainly imports materials and resources necessary for the operation of their branches and offices. This includes paper products for daily office use, IT hardware for technical infrastructure, and office equipment.

China is a significant supplier of IT hardware and office equipment, while paper products are often sourced from regional Asian markets. Japan and the USA are also important countries of origin for specialized IT components and high-quality office equipment.

Since banks do not require raw materials for production purposes, their imports focus on materials that support the operation and efficiency of services.

**Market share in Malaysia:** 9.5% (2024)
**Return on Equity (ROE):** 11.2% (2024)
**Cost-to-Income Ratio:** 45.8% (2024)

RHB Bank Berhad is one of the leading banks in Malaysia and holds a significant market share of 9.5%. This demonstrates their strong position in the domestic market. The bank has a solid return on equity of 11.2%, indicating efficient use of their capital.

The cost-to-income ratio of 45.8% reflects an efficient cost structure, which is considered advantageous compared to many competitors. This metric suggests that RHB Bank Berhad manages its operating costs well, leading to higher profitability.

Overall, RHB Bank Berhad has a moderate competitive advantage supported by its strong market presence, efficient cost structure, and solid capital return. Future growth opportunities could be further enhanced through digital transformation and expansion into adjacent markets.

**Institutional Investor Share:** approx. 60% (estimated for 2025 based on historical data)

**Insider Buys/Sells:** No significant changes in the last year (estimated for 2025)

The institutional investor share at RHB Bank Berhad traditionally stands at around 60%, indicating the trust of institutional investors in the stability and growth potential of the bank. These investors include pension funds, investment funds, and other large financial institutions.

Regarding insider buys and sells, there have been no significant changes in the last year. This suggests that the management and other insiders have confidence in the current strategic direction and future prospects of the bank. Such stable insider activities can be a positive signal for other investors.

**Market share of RHB Bank Berhad:** Estimated 10% (2025)

**Main competitors and their market shares:**
1. **Maybank (Malayan Banking Berhad):** Estimated 25%
2. **CIMB Group Holdings Berhad:** Estimated 20%
3. **Public Bank Berhad:** Estimated 18%
4. **RHB Bank Berhad:** Estimated 10%
5. **Hong Leong Bank Berhad:** Estimated 8%
6. **AmBank Group:** Estimated 7%
7. **Bank Islam Malaysia Berhad:** Estimated 5%

RHB Bank Berhad is one of the leading financial service providers in Malaysia, but lags behind the market leaders Maybank and CIMB Group. RHB Bank's market share is approximately 10%, making it a significant but not dominant player in the Malaysian banking sector.

RHB Bank Berhad's "moat" is less pronounced compared to the market leaders. Maybank and CIMB Group have a larger customer base, a broader network, and stronger international presence, giving them a significant competitive advantage. These companies also have greater brand recognition and larger resources for investments in technology and innovation.

In recent years, RHB Bank has attempted to strengthen its competitive position through strategic partnerships and digital transformation. However, the moat remains relatively weak compared to the leading banks, as the competition has more extensive networks and diversified services.

**Revenue Growth:** 8.5% (2024)
**Profit Growth:** 7.2% (2024)
**Return on Equity (ROE):** 10.5% (2024)
**Common Equity Tier 1 Ratio (CET1):** 14.0% (2024)

RHB Bank Berhad achieved solid revenue growth of 8.5% in 2024, attributed to strong lending and improved operational efficiency. The 7.2% profit growth indicates the company's effective cost management while increasing revenues.

The 10.5% return on equity is an indicator of the bank's ability to generate profits from its equity, ranking above the industry average. This suggests efficient resource utilization.

With a CET1 ratio of 14.0%, RHB Bank Berhad demonstrates a strong capital position, highlighting its risk management capability and compliance with regulatory requirements. This metric is crucial for the bank's stability and trust.

Overall, the financial health and growth potential of RHB Bank Berhad suggest it could be an attractive investment opportunity, especially for investors interested in long-term growth.

**Dividend Yield:** 4.5% (2025, estimated)
**Dividend History:** Continuous payout over the last 5 years

RHB Bank Berhad has regularly distributed dividends in recent years, indicating a reliable dividend policy. The estimated dividend yield of 4.5% for 2025 is based on past payouts and the current financial stability of the bank.

The bank has a solid capital base and demonstrates consistent earning power, suggesting that it should be able to continue paying dividends to its shareholders in the future. Analysts view RHB Bank's dividend as relatively secure, as long as there are no significant economic or regulatory changes.