CIMB Group Holdings Bhd
KLSE:CIMB
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Intrinsic Value
The intrinsic value of one CIMB stock under the Base Case scenario is 10.49 MYR. Compared to the current market price of 8.24 MYR, CIMB Group Holdings Bhd is Undervalued by 21%.
The Intrinsic Value is calculated as the average of DCF and Relative values:
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CIMB Group Holdings Bhd
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Fundamental Analysis
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CIMB Group Holdings Bhd is a leading financial services provider in Southeast Asia, with its roots deeply embedded in Malaysia, where it was established in 1956. Over the decades, CIMB has expanded its footprint across the region, offering a diverse range of services including commercial banking, investment banking, Islamic banking, and asset management. With a strong emphasis on digital transformation and customer-centric solutions, CIMB has leveraged technology to enhance its service delivery and operational efficiency. This adaptability has allowed the bank to not only strengthen its competitive position but also to affirm its commitment to sustainability and innovation, aligning with the...
CIMB Group Holdings Bhd is a leading financial services provider in Southeast Asia, with its roots deeply embedded in Malaysia, where it was established in 1956. Over the decades, CIMB has expanded its footprint across the region, offering a diverse range of services including commercial banking, investment banking, Islamic banking, and asset management. With a strong emphasis on digital transformation and customer-centric solutions, CIMB has leveraged technology to enhance its service delivery and operational efficiency. This adaptability has allowed the bank to not only strengthen its competitive position but also to affirm its commitment to sustainability and innovation, aligning with the growing demand for responsible banking practices.
For investors seeking growth opportunities in the financial sector, CIMB presents a compelling proposition. Their strategic drive towards becoming a digital bank is attracting a new generation of customers and diversifying revenue streams. Additionally, CIMB's robust financial performance, guided by disciplined risk management and a focus on core markets in Malaysia, Indonesia, and Thailand, positions it favorably in an increasingly competitive landscape. The bank's strong capital ratios and consistent dividend payments further enhance its appeal, making CIMB Group Holdings Bhd a noteworthy consideration for those looking to invest in a financially sound institution poised for future growth in Southeast Asia's dynamic economies.
CIMB Group Holdings Bhd is one of the largest financial services providers in Southeast Asia. The company operates through several core business segments, which can be broadly categorized as follows:
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Consumer Banking: This segment primarily focuses on retail banking services, targeting individual customers. It offers a variety of products including personal loans, mortgages, credit cards, and deposit accounts. The consumer banking division aims to meet the financial needs of personal customers and enhance customer experience through digital banking solutions.
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Commercial Banking: CIMB provides financial services to small and medium-sized enterprises (SMEs) and larger corporates in this segment. It includes services such as business loans, trade financing, cash management, and other banking solutions tailored for business growth.
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Wholesale Banking: This segment serves corporate clients, institutions, and government entities. It includes investment banking, treasury services, capital markets, and wholesale financing. CIMB’s wholesale banking offers solutions for mergers and acquisitions, equity and debt capital markets, and risk management.
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Islamic Banking: CIMB operates a significant Islamic banking division, providing Shariah-compliant financial products and services across consumer, commercial, and wholesale banking segments. This allows CIMB to cater to the growing demand for ethical and Islamic finance solutions in the region.
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Asset Management and Insurance: CIMB Group also has subsidiaries that provide asset management and insurance, offering investment management and wealth management services. This includes mutual funds, unit trusts, and various insurance products to cater to individual and institutional investors.
These segments reflect CIMB Group's comprehensive approach to banking and financial services in the dynamic Southeast Asian market, focusing on both retail and commercial needs while also embracing Islamic finance.
CIMB Group Holdings Bhd, as one of Southeast Asia's leading banking groups, has several competitive advantages over its rivals that support its market position. Here are some of the key factors:
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Strong Regional Presence: CIMB operates across several key Southeast Asian markets, including Malaysia, Indonesia, Thailand, and Singapore. This geographic diversification allows it to tap into different economic growth rates and market opportunities.
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Comprehensive Product Offerings: CIMB provides a wide range of financial services, including retail banking, investment banking, Islamic banking, and asset management. This diversified product portfolio helps attract a broader customer base and reduces dependency on any single revenue stream.
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Digital Transformation: The bank has invested significantly in digital initiatives and technology, enhancing its online banking capabilities and customer experience. This digital focus allows CIMB to reach younger demographics and improve operational efficiency.
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Strong Capital Base: CIMB typically maintains a robust capital adequacy ratio, allowing it to absorb shocks from economic fluctuations and giving clients confidence in its stability.
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Focus on Sustainable Financing: The bank has been proactive in integrating environmental, social, and governance (ESG) criteria into its financing activities, appealing to socially conscious investors and clients.
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Customer-Centric Approach: CIMB emphasizes customer service and relationship management, often adapting its offerings to meet local needs and preferences, which strengthens customer loyalty.
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Strategic Alliances and Partnerships: CIMB engages in partnerships and collaborations with fintech firms and other financial service providers, enhancing its service capabilities and market reach.
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Cost Efficiency: The bank has implemented various cost-cutting measures and efficiency programs, allowing it to maintain competitive pricing for its financial products and services.
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Robust Risk Management Framework: CIMB has a strong risk management framework in place, which enables it to navigate regulatory challenges and market volatility effectively.
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Brand Recognition and Trust: As a well-established institution in Southeast Asia, CIMB benefits from brand recognition and customer trust built over decades, which can be difficult for new entrants to replicate.
Overall, these competitive advantages position CIMB Group Holdings Bhd favorably compared to its peers in the banking sector and enable it to continue pursuing growth opportunities in a dynamic market environment.
CIMB Group Holdings Bhd, like many financial institutions, faces a range of risks and challenges in the near future. Here are some of the key factors:
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Economic Environment:
- Interest Rate Fluctuations: Changes in interest rates can impact the profitability of CIMB, particularly if the rates increase rapidly, as this could lead to higher loan defaults.
- Economic Slowdown: A downturn in the economies of the regions they serve may lead to decreased loan demand and increased credit risk.
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Regulatory Changes:
- Compliance with evolving regulatory requirements can be a burden, potentially increasing operational costs and limiting profitability.
- New regulations relating to capital adequacy, liquidity, and consumer protection could affect operational strategies.
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Credit Risk:
- The risk of borrower defaults remains a constant challenge, particularly in a volatile economic landscape.
- Sectors heavily affected by economic downturns may present higher default rates, impacting loan portfolios.
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Market Competition:
- The banking sector is highly competitive, with both traditional banks and fintech firms vying for market share.
- Pressure to innovate and improve customer experience could result in increased costs and reduced margins.
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Technological Disruption:
- Rapid advancements in technology, including fintech, may require continued investment in digital capabilities to stay competitive.
- Cybersecurity threats and ensuring data privacy are critical concerns, as breaches could damage reputation and lead to regulatory penalties.
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Geopolitical Risks:
- CIMB operates in several countries in Southeast Asia, exposing it to geopolitical tensions that could impact economic stability.
- Trade issues and diplomatic relations could affect business operations and revenue.
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Pandemic and Health Risks:
- The lingering effects of COVID-19 or potential future pandemics could influence customer behavior and default rates, especially in sectors like tourism and hospitality.
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Sustainability and ESG Challenges:
- Increasing emphasis on environmental, social, and governance (ESG) factors means CIMB may need to adapt its financing strategies to align with sustainability goals.
- Pressure for responsible lending could limit opportunities in certain industries deemed non-compliant with ESG standards.
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Currency Risk:
- As a regional player, fluctuations in currency exchange rates could impact profitability, particularly in cross-border transactions and investments.
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Operational Risks:
- Disruptions in operations, whether due to internal failures, external events, or technological issues, can lead to losses and reputational damage.
Addressing these risks requires a comprehensive risk management strategy, continuous monitoring of market conditions, and agility in adapting to changing environments.
Balance Sheet Decomposition
CIMB Group Holdings Bhd
Net Loans | 433.6B |
Investments | 232.9B |
PP&E | 2.7B |
Intangibles | 8.4B |
Other Assets | 66.1B |
Total Deposits | 504.6B |
Short Term Debt | 48.5B |
Long Term Debt | 22.9B |
Other Liabilities | 98.4B |
Wall St
Price Targets
CIMB Price Targets Summary
CIMB Group Holdings Bhd
According to Wall Street analysts, the average 1-year price target for CIMB is 8.89 MYR with a low forecast of 6.77 MYR and a high forecast of 9.98 MYR.
Dividends
Current shareholder yield for CIMB is .
Shareholder yield represents the total return a company provides to its shareholders, calculated as the sum of dividend yield, buyback yield, and debt paydown yield. What is shareholder yield?
Profile
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Description
CIMB Group Holdings Bhd.engages in the provision of financial and banking services. The company is headquartered in Kuala Lumpur, Kuala Lumpur and currently employs 32,696 full-time employees. The firm's segments include Consumer Banking, Commercial Banking, Wholesale Banking and CIMB Digital Assets & Group Funding. The Consumer Banking segment covers both conventional and Islamic financial products and services such as residential property loans, non-residential property loans, wealth management, bancassurance, remittance and foreign exchange, deposits, and Internet banking services. The Commercial Banking segment provides banking credit facilities, trade financing, cash management, online business banking platform, remittance and foreign exchange, as well as general deposit products. The Wholesale Banking segment comprises investment banking, corporate banking, treasury and markets, transaction banking, equities and private banking. The company is present in all 10 ASEAN nations: Malaysia, Indonesia, Singapore, Thailand, Cambodia, Brunei, Vietnam, Myanmar, Laos and Philippines.
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The intrinsic value of one CIMB stock under the Base Case scenario is 10.49 MYR.
Compared to the current market price of 8.24 MYR, CIMB Group Holdings Bhd is Undervalued by 21%.