Bank Islam Group recorded a Profit After Zakat and Tax of RM254.2 million for the six months ended 30 June 2026 (1H2026), an increase of RM1.2 million or 0.5% compared with the corresponding period last year (1H2025). The performance was supported by higher net fund-based income and stronger fee and commission income. Consequently, the Group delivered EPS of 11.21 sen and an annualised ROE of 6.3%.
Total net income increased by 5.1% Y-o-Y to RM1.43 billion, driven primarily by higher net fundbased income and stronger fee and commission income, partially offset by lower gains from the sale of securities. Total overhead expenses rose by 3.9% Y-o-Y to RM855.9 million.
Net allowance for impairment on financing and advances increased by RM20.8 million or 17.0% Yo-Y to RM143.0 million. Financing credit cost stood at 0.38% during the period, reflecting prudent pre-emptive provisioning amid continued financing expansion. Despite the higher provisioning, asset quality remained resilient, with the gross impaired financing ratio improving to 0.98% as at end-June 2026, well below the industry average of 1.43%.
Finance costs on subordinated sukuk and capital securities rose by RM16.8 million or 22.7% Y-o-Y, mainly attributable to funding and capital instruments issued over the past year to support business growth, strengthen liquidity management and diversify funding sources.
As at 30 June 2026, the Group’s total assets expanded by 7.2% Y-o-Y to RM106.7 billion, driven by sustained growth in financing assets and investment securities. Net assets per share stood at RM3.59. The Group’s gross financing grew 7.5% Y-o-Y to RM77.9 billion, reflecting continued customer demand and growth across both Retail Banking and Institutional Banking segments.
Customer deposits and investment accounts increased by RM4.2 billion, or 5.1% Y-o-Y, to RM86.9 billion, providing a strong funding base to support financing expansion. CASATIA grew 9.4% Y-o-Y to RM31.8 billion, representing a healthy CASATIA ratio of 36.6%.
As at end June 2026, CET1 and Total Capital ratios were 13.1% and 17.8% respectively
