Revenue distribution by industry:

• Banking: approx. 60%
• Investment Banking: approx. 25%
• Insurance and Asset Management: approx. 15%

TOP 3 Markets:

• Malaysia: approx. 50%
• Indonesia: approx. 30%
• Thailand: approx. 10%

CIMB Group Holdings Berhad generates the majority of its revenue from traditional banking, followed by investment banking and services in insurance and asset management.

Malaysia remains the largest market for the group, attributed to its strong presence and market leadership in the domestic market. Indonesia and Thailand are also significant markets where CIMB has successfully established its services and continues to expand.

Production Sites: Not applicable

CIMB Group Holdings Berhad is a leading banking group in Southeast Asia and not a manufacturing company. Therefore, it does not produce physical products. Instead, CIMB offers a wide range of financial services, including banking, insurance, and asset management.

The services of CIMB Group are mainly offered in Malaysia, Indonesia, Singapore, Thailand, and other countries in the region. The bank operates branches and offices in these countries to offer its services locally and serve its customers.

Strategic Growth Goals: Digitalization, regional expansion, sustainable financial solutions

CIMB Group Holdings Berhad is pursuing a multi-layered growth strategy to strengthen its market position in the ASEAN region. A central component of this strategy is the digitalization of its services. The company is investing significantly in digital platforms and technologies to enhance customer experience and increase operational efficiency.

Furthermore, CIMB plans to expand its presence in existing markets and explore new markets within the ASEAN region. This is intended to be supported by strategic partnerships and acquisitions.

Another focus is on the development of sustainable financial solutions. CIMB is committed to integrating Environmental, Social, and Governance (ESG) criteria into its business models to meet the growing demands of investors and society.

Main Imported Raw Materials/Components: Financial services do not require physical raw materials.

CIMB Group Holdings Berhad is a financial services company and not a production or manufacturing firm. Therefore, it does not import physical raw materials or components. Instead, the company focuses on financial products and services such as banking services, investment banking, and asset management.

In the financial industry, the "raw materials" are typically data, information, and capital. These are not physically imported but rather moved through international financial markets and investments. However, CIMB could procure services from international providers, such as IT services or consulting services, which may originate from different countries.

For specific information on services or partnerships that CIMB may potentially source internationally, a detailed analysis of the company's financial reports or press releases would be required.

Market share in Malaysia: 12% (2024)
Return on equity (ROE): 9.8% (2024)
Cost efficiency ratio: 49.5% (2024)

CIMB Group Holdings Berhad is one of the leading banking groups in Malaysia and holds a significant market share of about 12% in the domestic market. This position gives the company a solid competitive advantage, especially through its strong presence in the retail and corporate banking sectors.

The return on equity of 9.8% indicates that the company operates efficiently, although there is still room for improvement compared to some competitors. The cost efficiency ratio of 49.5% suggests that CIMB manages its operating costs well, which is an important indicator of competitiveness in the banking industry.

In addition, CIMB benefits from a diversified business structure and a strong regional presence in Southeast Asia, making the company more resilient to local economic fluctuations. The continuous investment in digital technologies also strengthens its competitive position in the increasingly digital banking environment.

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

The institutional investor share in CIMB Group Holdings Berhad is estimated to be around 45%. This indicates that a significant number of shares are held by large institutional investors, suggesting a certain level of confidence in the company's stability and growth potential.

No significant insider buys or sells were reported in the last quarter. This could suggest that the management and other insiders are satisfied with the current valuation and future prospects of the company.

Market share of CIMB Group Holdings Berhad: Estimated 12% (2025)

Main competitors and their market shares:

1. Maybank (Malayan Banking Berhad): Estimated 25%
2. Public Bank Berhad: Estimated 18%
3. RHB Bank Berhad: Estimated 10%
4. Hong Leong Bank Berhad: Estimated 8%
5. AmBank Group: Estimated 7%

Economic moat of CIMB Group Holdings Berhad:

CIMB Group Holdings Berhad has a moderate economic moat, mainly derived from its strong regional presence in Southeast Asia and a diversified business model. The bank offers a wide range of financial services, including investment banking, retail banking, and Islamic banking, providing it with some resilience against market fluctuations.

Compared to its competitors, Maybank has a stronger economic moat as it is the largest bank in Malaysia with an extensive international presence. Public Bank Berhad is known for its efficiency and strong capital base, which is also considered a significant competitive advantage.

Overall, CIMB has a solid but not outstanding economic moat compared to the leading banks in Malaysia. The competitive advantage could be further strengthened through strategic expansions and innovations.

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

CIMB Group Holdings Berhad recorded solid revenue growth of 8.5% in 2024, attributed to strong operational performance and effective cost control. The 10.2% profit growth indicates the company's ability to increase profitability, which is a positive signal for investors.

The 11.5% return on equity suggests that CIMB efficiently utilizes capital to generate profits, which can be considered healthy compared to many competitors in the banking sector.

Additionally, CIMB has invested in digital transformation and regional expansion in recent years, which could further strengthen future growth potential. These strategic initiatives could help solidify market position and tap into new revenue streams.

Overall, these factors indicate that CIMB Group Holdings Berhad presents an attractive investment opportunity, especially for investors focusing on long-term growth.

Dividend Yield: 5.2% (estimated for 2025)
Dividend History: Stable payout over the last 5 years

CIMB Group Holdings Berhad has been paying a consistent dividend in recent years, indicating a reliable dividend policy. The estimated dividend yield of 5.2% in 2025 is at the higher end for banks in the region, highlighting the stock's attractiveness for income investors.

The reliability of the payout is supported by the company's solid financial performance. CIMB has maintained its earnings stable in recent years and has a strong capital base that allows it to pay dividends even in economically challenging times.