CIMB Group Holdings Berhad (CIMDF) Q2 2026 Earnings Call Transcript

CIMB Group Holdings Berhad (CIMDF) Q2 2026 Earnings Call August 28, 2026 3:00 AM EDT Company Participants Chek Tan - Head of Investor Relations Muhammad Amirudin - Interim CEO of Growth Markets Division, Group CEO & Executive Director Khairulanwar Bin Rifaie - Group Chief Financial & Strategy Officer Conference Call Participants Peter Kong - Kenanga Research Aakash Rawat - UBS Investment Bank, Research Division Jin Chin - Affin Hwang Investment Bank Berhad, Research Division Harsh Modi - JPMorgan Chase & Co, Research Division Rahul Jain Presentation Chek Tan Head of Investor Relations Good afternoon, ladies and gentlemen, and welcome to CIMB Group's Financial Results briefing for the second quarter of 2026. Our host today is CIMB Group's CEO, Novan Amirudin; and Group CFO, Khairul Rifaie. My name is Steven from the CIMB IR team. You should have received the analyst presentation and financial statements via e-mail from the Group IR e-mail. Otherwise, you may find the documents in the IR section of our website at cimb.com. Please be informed that this briefing is being recorded. [Operator Instructions] At this juncture, I would like to hand over the briefing to Novan and Khairul. Novan, over to you. Muhammad Amirudin Interim CEO of Growth Markets Division, Group CEO & Executive Director Thank you very much, Steven. Good afternoon, everyone, and thank you for joining us today. I'm pleased to share our second quarter '26 performance. It has been a very resilient performance. In fact, we're seeing very good momentum as we move from the first quarter to the second quarter. So for the second quarter, we delivered a net profit of MYR 1.94 billion, which then translates to an annualized ROE of 11.2% for the quarter. And the earnings momentum that we're seeing is as a result of the transformation activities that we have been doing with regards to Forward30, which we