PEOPLE AS THE DRIVING FORCE
When I describe our people as the driving force of AmBank Group, I am describing the very foundation of our success. Buildings, systems and capital form the skeleton of a bank, yet they do not create an institution, people do. It is their character, their commitment and their sense of belonging that determine whether we merely function or truly thrive.
This belief was shaped in the early years of our journey. Back then, we did not have the scale or the vast resources of our competitors. What we had was a close-knit team that believed in the dream. I remember clearly the periods of deep uncertainty where our people stood together, often going far beyond what was expected. I realised then that human capital is our primary value driver to cultivate a dedicated workforce and safeguard AmBank’s future.
To me, culture and commercial success are inseparable. A strong culture builds trust, and trust drives performance. Customers can feel when they are being treated with sincerity, and employees perform better when they feel respected and valued. This is why I have always championed the “family spirit” within AmBank Group.
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Dear Stakeholders,
We have emerged from a half-century of growth anchored by the legacy of integrity and nation-building instilled by our founder, Tan Sri Azman Hashim. However, we recognise that the formulas that brought us to this milestone must now evolve. We are at a pivotal inflection point, representing a paradigm shift where global realignments and technological acceleration are rewriting the rules of our industry. We enter FY2026 with the capital capacity to underwrite growth and the clarity of purpose to ensure that this growth remains sustainable and deeply rooted in our responsibility to Malaysia.
It is not about being the biggest, but about being the best in our class.
TAN SRI MD NOR BIN MD YUSOF
Chairman
Dear Stakeholders,
This year marks a defining chapter in AmBank Group’s history as we celebrate our 50th anniversary.
I am proud to report that we have delivered a strong set of results, achieving record profits and dividends. This is testament to the disciplined execution of our teams across every business line and support function, as well as the trust we continue to earn daily from our customers, regulators, shareholders and stakeholders.
We start the new financial year from a position of strength, earned through execution rather than aspiration.
JAMIE LING
Group Chief Executive Officer
Explore how each business segment contributed to the Group’s performance in FY2026 through disciplined execution, customer-centric growth and stronger value creation across our franchise.
Supporting large corporates and strategic sectors with capital solutions, advisory expertise and market-leading financing capabilities.
View MoreDriving growth for SMEs and mid-sized enterprises across priority sectors through tailored financing and relationship-led service.
View MoreEnhancing everyday banking experiences with stronger consumer lending momentum, digital convenience and customer engagement.
View MoreDelivering differentiated value through advisory leadership, capital markets execution and deep client partnerships.
View MoreGrowing customer assets and advisory depth with a more comprehensive wealth proposition across channels and life stages.
View MoreAdvancing inclusive Shariah-compliant solutions with sustained profitability, deposit growth and regional market penetration.
View MoreBroadening protection and investment propositions to meet evolving customer needs across affluent and mass-market segments.
View MoreStrengthening sustainable growth through higher regular contributions, improved revenue balance and customer trust.
View MoreThe AmBank Group Sustainability Report (SR) 2026 outlines how we integrate sustainability into the way we operate, manage risk and create long-term value as a responsible financial institution in Malaysia.
The Group has identified six Sustainability-related Risks and Opportunities (SROs) that may affect its ability to create value over the short, medium and long term. These SROs are Responsible Financing Opportunities, Physical Risk, Transition Risk, Cybersecurity & Data Privacy Risk, Anti-bribery & Corruption and Anti-money Laundering Risk and Strengthening Workforce Capabilities. This is guided by IFRS S2, IFRS S1 and relevant sector-specific guidance, including the SASB Standards for Financial Sectors. Each matter is evaluated based on the potential implications to the Group.
We are committed to conduct our business and engage customers in a responsible manner.
We are conscious that our internal conduct has sustainability and climate-related implications.
We contribute towards the creation of a positive impact to our communities.
Access the full suite of FY2026 reports in refined digital editions, thoughtfully presented for quick review and download.
A complete view of strategy, governance, performance and long-term value creation across the Group.
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Explore our environmental, social and governance priorities, progress and accountability in FY2026.
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Detailed financial statements, disclosures and notes supporting the Group's FY2026 performance.
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Access supporting materials that complement the Integrated Annual Report 2026, including investor, sustainability and governance reference documents.