Allianz Malaysia Berhad (ALLIANZ) Q3 2025 earnings summary

Executive summary

• Insurance revenue rose 11.7% year-over-year to RM4.63 billion for the nine months ended 30 September 2025, driven by both general and life insurance segments.

• Profit before tax increased 20.2% year-over-year to RM866.7 million, with net profit attributable to owners up 22.4% to RM661.2 million.

• Total assets grew 5.3% to RM30.0 billion, and total equity increased 8.8% to RM6.34 billion since 31 December 2024.

Financial highlights

• General insurance revenue rose 12.7% year-over-year to RM2.66 billion; life insurance revenue up 10.4% to RM1.97 billion.

• Combined ratio for general insurance improved to 87.6% from 88.7% year-over-year.

• Annualised new premium for life insurance increased 5.8% to RM680.0 million.

• Net investment income for the period was RM860.6 million, down from RM1.25 billion year-over-year.

• Basic EPS for nine months was 296.88 sen, up from 272.78 sen; diluted EPS was 192.19 sen, up from 156.53 sen.

Outlook and guidance

• The group aims to drive growth through agency expansion, digital adoption, underwriting excellence, and disciplined claims management.

• General insurance premium growth of 9.5% outperformed industry growth of 4.8%; life insurance annualised new business grew 5.8% while the market contracted by 1.5%.

• Focus remains on digital innovation, cost containment, and delivering superior customer experiences.