In 2025, CIMB Islamic’s progress reflected more than growth – it demonstrated the execution of a ‘one bank, Islamic-first’ strategy that has made Shariah-compliant solutions the primary option across CIMB Group’s Malaysia franchise.
Rather than operating alongside conventional banking, CIMB Islamic has embedded a comprehensive and innovative product suite across retail, wealth and wholesale banking, delivered through integrated digital platforms. The result is a model where technology, data and breadth of offering reinforce one another, enabling CIMB to deliver high-quality Islamic financial solutions at scale with strong customer outcomes.
This disciplined and digitally enabled approach is evident in CIMB Islamic’s financial performance. Balance-sheet expansion has been achieved alongside improved funding quality, low impairment levels and solid capital buffers, supporting rising profitability. Growth has therefore not come at the expense of resilience.
CIMB Islamic maintained its leadership in sukuk in 2025, ranking at or near the top of regional league tables while sustaining a market share of more than 35% in Malaysia. Landmark transactions such as the MYR6 billion PNB Merdeka Ventures sukuk and SD Guthrie’s sustainability-linked issuance demonstrate execution at scale, while continued innovation – including green asset-backed securities and participation in new sectors – highlights CIMB’s role in advancing Islamic capital markets in Asia-Pacific.
Importantly, these capabilities are increasingly connected to the broader client ecosystem. CIMB’s ability to integrate financing, investment and advisory into a unified platform allows it to deliver differentiated, solutions-led outcomes, supported by data-driven insights and embedded financing models.
In retail and wealth, CIMB Islamic has built one of Malaysia’s most comprehensive and digitally enabled Islamic wealth ecosystems
For corporates, CIMB emphasises integration and relationship depth. Rather than relying on pricing to attract deposits, it embeds cash management, payments and FX capabilities into client workflows, supported by digital platforms offering real-time visibility and execution.
Within its OCTO Biz platform, small and medium-sized enterprise (SME) clients can access pre-approved Shariah-compliant working capital solutions such as FlexiCash-i directly within their transaction banking environment, with fully digital processing and cashflow-aligned repayment structures. This embedded finance approach improves client engagement while extending access to underserved segments.
In retail and wealth, CIMB Islamic has built one of Malaysia’s most comprehensive and digitally enabled Islamic wealth ecosystems. The OCTO mobile platform anchors this offering, providing an integrated suite of Shariah-compliant services, from accounts and payments to investments and takaful, supported by strong personalisation. Customers can manage their financial lives within a single platform.
This is complemented by a fast-growing investment account platform and a broad Shariah-compliant offering, including more than 80-unit trust funds, all accessible through integrated digital channels. Clients benefit from a fully digitised wealth journey, including onboarding, personalised guidance and portfolio monitoring via tools such as the MyWealth dashboard.
CIMB Islamic has also strengthened its position in bancatakaful through innovation and integration. Solutions such as Sun Enrich Extra-i combine protection, savings and wealth accumulation, while financing-linked takaful innovations enhance accessibility and uptake. These initiatives reflect a strategy of embedding protection within holistic financial planning.
CIMB Islamic is Asia-Pacific’s best Islamic bank in 2026 for setting the standard across the region, placing Islamic banking at the core of a fully integrated digital ecosystem that delivers seamless, end-to-end client journeys across retail, wealth and corporate segments, while continuing to push boundaries through its market-leading sukuk franchise.
