We strictly comply with relevant laws and regulations, including, amongst others, the Hire-Purchase Act, 1967, ensuring all customers are provided with relevant information regarding the hire purchase arrangement, including, but not limited to, deposit, pricing, terms charges, number of instalments, and the rights of customers and the financier, all of which are included in our hire purchase agreement.
The Group commits that if it has come to its knowledge is associated with corruption, smuggling activities, human trafficking, or those prohibited by law, it will not support the financing of such activities or involvement in such transactions, in line with anti-corruption and anti-money laundering and anti-terrorism financing laws.
In balancing between sustainable business performance and supporting our customers in meeting their financial obligations, we will continue to engage closely with borrowers.
| FY2023 | FY2024 | FY2025 | |
|---|---|---|---|
| Impaired loans ratio (Gross) | 7.4% | 1.9% | 1.8% |
| Impaired loans ratio (Net) | 1.9% | 0.6% | 0.6% |
| Credit loss charge | 1.2% | 4.1% | 6.3% |
Balancing the cost and benefits of business decisions across the long-term while ensuring immediate, short-term issues are addressed, we undertake prudent business management and continuously strengthen our business fundamentals towards achieving business stability and steady growth.
Return on Equity
Return on Assets
EPS
(sen)
Dividend payout ratio
| FY2023 | FY2024 | FY2025 | |
|---|---|---|---|
| Revenue (RM'000) | 155,242 | 167,776 | 196,684 |
| Return on Equity | 10.4% | 7.7% | 6.7% |
| Return on Assets | 7.5% | 4.9% | 3.8% |
| Earnings Per Share (sen) | 10.50 | 8.06 | 7.18 |
| Dividend (sen per share) | 6.50* | 5.00 | 4.50 |
| Dividend payout ratio | 62% | 62% | 62% |
Note:
* first interim dividend has been restated in respect of bonus issuance