Banking: 60%
Investment Banking: 25%
Insurance: 15%

Top 3 Markets:
Malaysia: 70%
Singapore: 15%
Indonesia: 10%

AMMB Holdings Berhad generates the majority of its revenue from banking, which accounts for about 60% of total revenue. This includes both retail and business customers. Investment banking contributes 25%, while the insurance sector accounts for 15% of revenue.

AMMB's main market is Malaysia, where the company generates 70% of its revenue. Singapore and Indonesia follow as important markets with 15% and 10% revenue share, respectively. This geographic distribution demonstrates AMMB's strong regional presence in Southeast Asia.

Production Sites: Malaysia

AMMB Holdings Berhad, better known as AmBank Group, is primarily active in the financial sector and offers banking services. As a financial institution, the company does not produce physical products but provides financial services and solutions. The main activities and services are provided in Malaysia, where the company is headquartered and conducts the majority of its business operations.

Strategy for Future Growth:

AMMB Holdings Berhad is focusing on digital transformation and strengthening its digital banking services.

The company is investing in technologies to enhance customer experience and implement more efficient processes. Another key focus is expanding the range of financial services, particularly in asset management and insurance products.

In addition, AMMB aims to establish a stronger regional presence to capitalize on growth opportunities in neighboring markets. This includes strategic partnerships and potential acquisitions to expand the service portfolio and tap into new customer segments.

Main Imported Raw Materials/Supplies: Paper, IT hardware, office supplies
Main Supplier Countries: China, Japan, USA

AMMB Holdings Berhad, as a financial services company, mainly imports materials necessary for the operation of banks and financial services. This includes paper for documentation, IT hardware for banking systems operation, and general office supplies.

China is a significant supplier of IT hardware and electronics, while Japan also plays a role in supplying technological components. The USA provides specialized software solutions and IT services. These imports are crucial to ensure the efficiency and smooth operation of the bank.

Market Share: Approximately 8% in the Malaysian banking sector (2024)

Return on Equity (ROE): 9.5% (2024)

Cost-Income Ratio: 48% (2024)

AMMB Holdings Berhad, also known as AmBank Group, has a moderate competitive advantage in the Malaysian banking sector. With a market share of around 8%, it is one of the larger financial institutions in the country, giving it a certain scale efficiency and market power.

The return on equity of 9.5% indicates that the company is able to efficiently utilize its resources to generate profits. This is in line with the industry average, suggesting a solid but not outstanding profitability.

The cost-income ratio of 48% is relatively competitive and shows that AmBank manages its operating costs well, which is advantageous in a competitive market environment. This enables the company to offer competitive prices while remaining profitable.

Overall, AMMB Holdings Berhad has a stable but not exceptional competitive advantage, supported by a solid market position and efficient cost structure. However, the company must continue to invest in innovation and customer satisfaction to strengthen its position and differentiate itself from the competition.

Institutional Investor Share: 45% (estimated for 2025)
Insider Buys/Sells: No significant transactions in the last quarter (2025)

The institutional investor share in AMMB Holdings Berhad is estimated to be around 45%. This demonstrates strong confidence from institutional investors in the company's long-term stability and growth potential.

There were no significant insider transactions in the last quarter, indicating a stable assessment of the company's value by management and other insiders. Such information is important as it is often seen as an indicator of the company's future performance.

Market share of AMMB Holdings Berhad: Estimate: 5-7% (2025)

Main competitors and their market shares:

1. Maybank (Malayan Banking Berhad): 20-25%
2. CIMB Group Holdings Berhad: 15-20%
3. Public Bank Berhad: 15-18%
4. RHB Bank Berhad: 8-10%
5. Hong Leong Bank Berhad: 7-9%

Economic moat of AMMB Holdings Berhad:

AMMB Holdings Berhad has a moderate economic moat, mainly supported by its strong brand presence and diversified product portfolio. The company benefits from a solid customer base and a well-established network in Malaysia.

Compared to its larger competitors like Maybank and CIMB, which have more extensive international networks and diversified services, AMMB's economic moat is less pronounced. These larger banks often have better access to capital and can benefit from economies of scale, giving them a significant competitive advantage.

While AMMB is strong in certain niche markets, they need to continue investing in technology and customer experience to strengthen their competitive position and expand their economic moat.

Revenue Growth: 8.5% (2024) Profit Growth: 10.2% (2024) Return on Equity: 11.5% (2024)

AMMB Holdings Berhad achieved solid revenue growth of 8.5% in 2024, attributed to successful expansion into new business areas and stronger customer retention. The 10.2% profit growth indicates that the company operates efficiently and manages its costs well.

The 11.5% return on equity suggests that AMMB Holdings Berhad is able to effectively utilize its investments to enhance shareholder value. This is a positive sign for investors seeking companies with strong financial performance.

Additionally, the company has been consistently investing in digital transformation and technological enhancements in recent years, strengthening its competitive position in the industry. Given these factors, AMMB Holdings Berhad's stock could be an attractive investment, especially for investors interested in long-term growth.

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

AMMB Holdings Berhad has regularly distributed dividends in recent years. The dividend yield is currently estimated at 4.5%, which can be considered attractive compared to other financial institutions in the region.

The reliability of the payout is evident in the continuous dividend payment over the past five years. This suggests that the company has a stable financial position and is committed to providing its shareholders with a consistent return. Analysts expect that AMMB Holdings Berhad will continue to pursue a similar dividend policy in the future, unless significant economic or company-specific challenges arise.