Allianz Malaysia Berhad (ALLIANZ) Q4 2025 earnings summary

Executive summary

• Insurance revenue grew 10.4% year-over-year to RM6.24 billion, driven by both general and life insurance segments.

• Profit before tax increased 15.9% year-over-year to RM1.17 billion, with net profit attributable to owners up 24.4% to RM958.8 million.

• Total assets rose 7.0% to RM30.49 billion, and total equity increased 7.9% to RM6.29 billion as of 31 December 2025.

Financial highlights

• General insurance revenue up 11.2% year-over-year to RM3.58 billion; life insurance revenue up 9.2% to RM2.66 billion.

• Combined ratio for general insurance improved to 87.9% from 88.8% year-over-year.

• Net investment income for the year was RM1.06 billion, down from RM1.58 billion in 2024.

• Basic EPS for the year was 363.58 sen; diluted EPS was 279.12 sen.

• Total other comprehensive income rose to RM78.1 million from RM17.4 million year-over-year.

Outlook and guidance

• The group aims to drive growth in 2026 by enhancing operational resilience, expanding distribution, and investing in digital transformation.

• General insurance and life insurance segments both outperformed industry growth rates in 2025.