FY Mar-2026 Financial Highlights

* FY Sep 2019 is the reporting period of six months between 1 April 2019 to 30 September 2019.
* FY Mar 2022 is the reporting period of six months between 1 Oct 2021 to 31 March 2022.
** Dividend Income and Rental Income collectively made up less than 1% of total sources of income.

The Group continued to demonstrate resilience amid ongoing macroeconomic and operating challenges, delivering strong financial performance compared with previous year. The Group total revenue was boosted by 27.2% from MMK 554.7Bn in FY2025 to MMK 705.4Bn in FY2026, primarily driven by strong performance of Yoma Bank which contributed 82% of total revenue, followed by Pun Hlaing Hospitals at 18%. Revenue growth at Yoma Bank was supported by improvement across all major income streams. Interest income increased following the expansion of the loan portfolio to MMK 3.4Tn as at March 2026, after receiving the approval from Central Bank of Myanmar (CBM) to resume commercial lending activities. Despite the significant growth in lending portfolio, delinquency levels remained stable reflecting the continued strength of the Bank’s credit quality management. In addition, treasury income increased alongside the expansion of the Bank’s investment in treasury portfolio. Non-funded income also improved, supported by higher loan establishment fees, insurance commissions and bonuses from Prudential Insurance, and gains from foreign exchange transactions.

At Pun Hlaing Hospitals, revenue growth was driven by the continued organic expansion of healthcare services including overseas specialist doctor visits and broader patient outreach initiatives. Total patient volume increased by 7% year-to-year in FY2026. The success of medical check-up promotional packages and the “HEAL by Pun Hlaing” app digital platform, which enhanced service accessibility and operational efficiency, further contributed to the hospitals’ financial performance.

The Group’s gross profit contribution was enhanced by 33.2% year-to-year supported by strong revenue growth from both Yoma Bank and Pun Hlaing Hospitals. The improvement was mainly attributable to higher business volumes while cost of funds in the financial sector and direct costs in the healthcare sector were managed at a lower rate than revenue growth, resulting in a higher gross profit contribution and margins.

Although staff costs and general operating expenses increased across the Group, the administrative expenses slightly declined compared with previous year, mainly due to the lower expenses at Yoma Bank. The incentives to customers for early home loan settlement were massively reduced following the Bank’s reduction in home loan exposure in line with CBM limits. Moreover, the reversal of provisions for non-performing loans (NPLs) upon recovery from NPL customers together with the reversal of over-provisioned for previously recognised earthquake losses at Yoma Bank, partially offset higher costs, including donations for earthquake relief and the recognition of additional reserve for general loan loss provision at Yoma Bank.

The share of profit from associates declined mostly due to lower profit sharing from StarCity and higher share of losses from Memories Group. Increased in finance costs was due to loan rescheduling fees incurred at Corporate and increase in interest rate. Due to aforementioned factors, the Group’s net profit increased significantly from MMK 10.9Bn in FY2025 to MMK 56.7Bn in FY2026.

The Group’s total assets increased by 23.3% to MMK 6.2Tn, mainly driven by the 57% increase in Yoma Bank’s loan portfolio following the resumption of its commercial lending activities. Meanwhile, the total liabilities of the Group also increased by 25.1% to MMK 5.5Tn, largely attributable to higher customer deposit balances at Yoma Bank. While increasing the deposit portfolio, the Bank continued to prudently manage its loan-to-deposit ratio and maintain strong relationships with its value customers.

The Group’s equity went up by 10.3% year-to-year particularly due to the increase in equity reserves at Yoma Bank as well as profit are not distributed in favour of strategic growth of the Group.