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Annual Report 2025
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Leadership Message

PIDM was established in 2005 to protect depositors as well as takaful and insurance policy owners and promote financial system stability. Twenty years on, as we mark our 20th anniversary, we reflect not only on how far we have come but on the strength of the foundations that have sustained confidence in our financial system. The year 2025 is also pivotal as it concludes our Corporate Plan 2023–2025, themed “Realising Readiness,” under which we strengthened capabilities across key areas and enhanced our agility to respond effectively in an increasingly dynamic environment.

Datuk Abu Huraira Abu Yahya
Rafiz Azuan Abdullah
Chairman
Datuk Abu Huraira Abu Yahya
Chief Executive Officer
Rafiz Azuan Abdullah

Our Performance in 2025

1
Strategic Pillar

Realising PIDM's Readiness for Resolution and Crisis Management

Strengthen PIDM's intervention and resolution capabilities by enhancing internal readiness and ensuring key stakeholders are prepared to support effective crisis execution, supported by three KRAs.

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2
Strategic Pillar

Enhancing Confidence in PIDM's Protection Systems and Resolution Mandate

Amplify PIDM's public awareness approach by leveraging the theme of financial literacy and optimising the usage of PIDM's digital communication channels to promote PIDM's roles as both a financial consumer protection and national resolution authority for PIDM's member institutions. Strategic Pillar 2 is supported by two KRAs.

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3
Strategic Pillar

Enabling PIDM's Readiness through Organisational Effectiveness, Digital Transformation and Strong Governance

Build a solid foundation for change by inculcating the fundamentals of a digital and sustainability culture among employees and to equip them with future-ready skills, using data analytics for better decision-making, re-engineering core operational processes and technological infrastructure, and modernising our system applications with strengthened security while maintaining strong governance and effective operations. Strategic Pillar 3 is supported by four KRAs.

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Click here to read more about Our Performance in 2025.

Financial Highlights

Deposit Insurance Funds – Premium Revenues
2025 RM553.5 mil RM173.6 mil RM379.9 mil
Islamic Deposit Insurance
Conventional Deposit Insurance
Takaful and Insurance Benefits Protection Funds – Levy Revenues
2025 RM121.9 mil RM8.4 mil RM7.8 mil RM21.5 mil RM84.2 mil
General Takaful
General Insurance
Family Takaful
Life Insurance
Investment Composition
2025 RM8,101.7 mil RM1,411.9 mil 18% RM112.4 mil 1% RM6,577.4 mil 81%
Government Investment Issues (GII)
Short-term money market and fixed deposits
Malaysian Government Securities (MGS)
Operating Expenses Composition for the Year
Operating Expenses RM121.7 mil 17% 12% 71%
Operations and administrative
Initiatives-related
Human capital management

Summary of Corporate Plan 2026 - 2028:
From Readiness to Resilience

The Corporate Plan 2026 – 2028 is anchored on four strategic priorities, supported by the governance and operations enabler, as well as 13 plans and corporate initiatives to address identified risks and material matters.
1
Strategic Priority
Resolution Resilience
  • Resolution
  • Funding
  • Islamic Resolution
  • Simulation
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2
Strategic Priority
Strategic Partnerships and External Relations Resilience
  • Empowering Financial Resilience
  • Stakeholder Advocacy and Influence
  • PIDM Brand Presence and Public Communication
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3
Strategic Priority
Digital Resilience
  • Cybersecurity
  • Cloud Adoption
  • Data and Artificial Intelligence
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4
Strategic Priority
Human Capital Resilience
  • Organisational Design Enhancement
  • Talent Development
  • Competitive Total Rewards
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Governance and Operations Enabler

Click here to read more about our Corporate Plan.

Read PIDM Annual Report Here

Download Full Annual Report
PROLOGUE
  • Our Mandate
  • Our 20-Year Journey
  • Article: Standing in Eye of the Storm
OUR GOVERNANCE
  • Our Governance
  • Article: Two Decades of Governance Excellence
OUR PLAN
  • Our Plan
  • Our Corporate Plan 2023-2025
  • Our Reflection in Realising Readiness from 2023-2025
OUR PERFORMANCE
  • Our Performance
  • Our Performance in 2025
  • Summary of Financial Performance
  • Article: The Evolution of PIDM's Protection Funds
  • Article: PIDM's Funding Readiness
OUR WAY FORWARD
  • Summary of the Corporate Plan 2026-2028
PIDM Annual Report 2025 cover
ANNUAL REPORT REFERENCES
  • Technical Reference
  • Risks and Material Matters
  • Value Creation Model
  • Statement of Governance