Reviews of RHB BANK (L) LTD
This is page 7 of 10 of the reviews SmartChecker holds for RHB BANK (L) LTD. What the public registers say about the company is set out on its record page, not here.
What does SmartChecker make of RHB?SmartChecker 怎么看 RHB？Apa pandangan SmartChecker tentang RHB?
This editorial discusses RHB Bank Berhad. The register record on this page may identify a different branch or legal entity; regulatory actions should be attributed only to the entity named in each paragraph.本点评讨论 RHB Bank Berhad。本页登记记录可能属于不同法人；监管行动只应归属于具名实体。Penilaian ini membincangkan RHB Bank Berhad. Rekod daftar di halaman ini mungkin merujuk cawangan atau entiti undang-undang yang berbeza; tindakan kawal selia hanya patut dikaitkan dengan entiti yang dinamakan dalam setiap perenggan.
Written by Pang Hui JuanDirector of Online Broker Research
Fact-checked by Ng Kok HeiManaging Malaysian Partner
Fact-checked
I've been looking into RHB Bank, one of Malaysia's established banking groups, and there are several factors worth considering when evaluating the bank.
One of RHB's main strengths is its scale and diversified business model. The group serves retail customers, SMEs, corporate clients and institutional customers, while its investment banking and Islamic banking businesses provide additional financial services beyond conventional retail banking.
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RHB's recent financial performance also shows continued growth. For the financial year ended 31 December 2025, RHB Banking Group reported profit before taxation of RM4.38 billion and net profit attributable to equity holders of RM3.36 billion, compared with RM3.12 billion in 2024. Total assets reached RM358.1 billion, while gross loans, advances and financing increased to RM250.6 billion and customer deposits reached RM252.5 billion.
However, RHB Bank also has a regulatory history that customers and investors should understand.
One of the more significant recent regulatory actions occurred in July 2024, when Bank Negara Malaysia imposed an Administrative Monetary Penalty of RM750,000 on RHB Bank Berhad for non-compliance relating to the submission of information to BNM. The enforcement action was part of a wider reporting-related exercise involving several financial institutions. BNM stated that the breaches involved requirements concerning the timely and accurate submission of information under the Financial Services Act 2013 and relevant policy documents, including STATsmart, external assets and liabilities, cash balance of payments and CCRIS reporting requirements.
The RM750,000 penalty was therefore related to regulatory reporting compliance rather than an allegation that RHB had defrauded customers or misappropriated customer funds. BNM also takes into account factors such as the institution's past compliance record, the seriousness of the breach and the remedial measures taken when determining enforcement outcomes.
Overall, RHB is a long-established Malaysian banking group with substantial assets, a broad range of financial services and a significant regional presence. Its 2025 financial results also show continued growth in profitability, loans, deposits and overall assets.
A large and established financial institution can still have compliance issues. Understanding both its strengths and its regulatory history provides a more complete picture of RHB Bank.
RHB 是马来西亚多元化银行集团，为零售、中小企业、企业和机构客户提供服务，并经营投资及伊斯兰银行业务。
截至 2025 年 12 月 31 日的财政年度，RHB Banking Group 报告税前利润 RM4.38 billion、股东应占净利润 RM3.36 billion、总资产 RM358.1 billion、总贷款及融资 RM250.6 billion，以及客户存款 RM252.5 billion。
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2024 年 7 月，BNM 因 RHB Bank Berhad 未按时及准确提交 STATsmart、外部资产与负债、现金国际收支和 CCRIS 等监管资料，处以 RM750,000 行政罚款。
这项罚款涉及监管申报合规，并不是指控 RHB 欺诈客户或挪用客户资金。评估时应同时了解其规模、财务表现和具体合规纪录。
Saya telah meneliti RHB Bank, salah sebuah kumpulan perbankan mapan di Malaysia, dan ada beberapa faktor yang wajar dipertimbangkan apabila menilai bank ini.
Salah satu kekuatan utama RHB ialah saiz dan model perniagaannya yang pelbagai. Kumpulan ini melayan pelanggan runcit, PKS, pelanggan korporat dan pelanggan institusi, manakala perniagaan perbankan pelaburan dan perbankan Islamnya menyediakan perkhidmatan kewangan tambahan di luar perbankan runcit konvensional.
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Prestasi kewangan RHB yang terkini juga menunjukkan pertumbuhan berterusan. Bagi tahun kewangan berakhir 31 Disember 2025, RHB Banking Group melaporkan keuntungan sebelum cukai RM4.38 bilion dan keuntungan bersih yang boleh diagihkan kepada pemegang ekuiti sebanyak RM3.36 bilion, berbanding RM3.12 bilion pada 2024. Jumlah aset mencecah RM358.1 bilion, manakala pinjaman, pendahuluan dan pembiayaan kasar meningkat kepada RM250.6 bilion dan deposit pelanggan mencapai RM252.5 bilion.
Namun RHB Bank juga mempunyai sejarah kawal selia yang perlu difahami pelanggan dan pelabur.
Salah satu tindakan kawal selia terkini yang lebih ketara berlaku pada Julai 2024, apabila Bank Negara Malaysia mengenakan Penalti Kewangan Pentadbiran RM750,000 ke atas RHB Bank Berhad kerana ketidakpatuhan berkaitan penghantaran maklumat kepada BNM. Tindakan penguatkuasaan itu sebahagian daripada latihan pelaporan yang lebih luas membabitkan beberapa institusi kewangan. BNM menyatakan pelanggaran itu melibatkan keperluan mengenai penghantaran maklumat yang tepat pada masanya dan tepat di bawah Akta Perkhidmatan Kewangan 2013 serta dokumen dasar berkaitan, termasuk keperluan pelaporan STATsmart, aset dan liabiliti luar, imbangan pembayaran tunai dan CCRIS.
Oleh itu penalti RM750,000 itu berkaitan pematuhan pelaporan kawal selia, dan bukan dakwaan bahawa RHB menipu pelanggan atau menyelewengkan wang pelanggan. BNM juga mengambil kira faktor seperti rekod pematuhan institusi itu pada masa lalu, keseriusan pelanggaran dan langkah pemulihan yang diambil apabila menentukan hasil penguatkuasaan.
Secara keseluruhan, RHB ialah kumpulan perbankan Malaysia yang sudah lama mapan, dengan aset yang besar, rangkaian perkhidmatan kewangan yang luas dan kehadiran serantau yang ketara. Keputusan kewangan 2025-nya juga menunjukkan pertumbuhan berterusan dalam keuntungan, pinjaman, deposit dan jumlah aset.
Sebuah institusi kewangan yang besar dan mapan masih boleh mempunyai isu pematuhan. Memahami kekuatannya dan sejarah kawal selianya sekali gus memberikan gambaran yang lebih lengkap tentang RHB Bank.
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Reviews are written by SmartChecker members about their own experience and checked against our review rules. No company can pay to add, change or remove one.
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