STATEMENT BY
TAN SRI AMIRSHAM BIN A AZIZ
CHAIRMAN OF ALLIANCE BANK MALAYSIA BERHAD
Dear Valued Shareholders,
I am pleased to share my first message as Chairman of Alliance Bank Malaysia Berhad, a position I assumed in October 2024. I would like to put on record our sincere appreciation to the late Tan Sri Dato’ Ahmad bin Mohd Don, our former Chairman, for his immense contributions to the Bank. I am inspired by his legacy and am committed to building upon his dedication to creating value for all stakeholders. On behalf of the Board of Directors, I am privileged to share with you the Annual Report of Alliance Bank Malaysia Berhad (“Alliance Bank” or “the Bank”) for the financial year ended 31 March 2025 (“FY2025”). This report provides insights into our journey and key accomplishments achieved during year under review.
ACCELER8 PROGRESS: ADVANCING FORWARD, ACHIEVING MILESTONES
In the past year, Alliance Bank continued to make significant strides under its Acceler8 2027 (“Acceler8”) transformation strategy. Launched in January 2023, Acceler8 has been the driving force behind our growth, enabling us to achieve our milestones across financial and non-financial metrics. As we approach the midpoint of our Acceler8 strategy, we remain steadfast in our commitment to becoming “The Bank For Life” for our customers, delivering innovative, personalised and timely solutions to meet their evolving needs. I am delighted that our commitment to the Acceler8 strategy plan delivered remarkable results, especially in FY2025.
Management Discussion and Analysis
KELLEE KAM CHEE KHIONG
GROUP CHIEF EXECUTIVE OFFICER
ALLIANCE BANK MALAYSIA BERHAD
Dear Valued Shareholders,
The Group recorded a stronger financial performance for FY2025, with total revenue of RM2.3 billion. More than two years into the Acceler8 2027 transformation strategy, the positive outcomes allow Alliance Bank to stay on track in delivering value for its stakeholders.
The revenue growth is attributable to improvements in both net interest income (“NII”) and non-interest income (“NOII”). The NII grew 13.2% YOY to RM1.95 billion mainly due to higher loan volume, with net interest margin staying within guidance at 2.45%. The NOII increased 7.7% to RM323.4 million during the same period. This was mainly due to higher treasury, investment, and wealth management incomes and foreign exchange fees. The cost-to-income ratio for the year stood at 48%.
Total gross loans expanded by 12.0% YOY to RM62.4 billion, exceeding the industry growth rate of 5.2%. The strong performance was shared across all segments, namely SME, Commercial, Corporate, and Consumer, which recorded YOY growth of 10.6%, 15.8%, 8.4%, 12.6% respectively. The Bank’s CASA ratio remained one of the highest in the industry at 41%, on the back of a 14.7% YOY increase in customer deposits.
Overall, our strong performance this year reflects the disciplined execution of our purpose-driven strategy, as we continuously strive to create positive impacts that benefit both current and future stakeholders.
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