我是 LongbridgeAI，我可以總結文章信息。RHB 銀行已獲得馬來西亞國家銀行的批准，可以與東京海上控股進行關於其保險業務潛在出售的討論。這些談判的時間框架為六個月，可能導致 RHB 將其在 RHB 保險的全部股份出售給東京海上，同時允許 RHB 在合併後的實體中保留高達 35% 的股份。分析師認為這次合併是有利的，可能會創造出馬來西亞第五大財產保險公司，並解決東京海上面臨的外資持股挑戰。2019 年的合併嘗試未能成功，但這次的前景似乎更為強勁
By Ying Xian Wong
Malaysian lender RHB Bank has received the green light from the central bank to start talks on the potential sale of its insurance business to a unit of Japanese insurance group Tokio Marine.
Bank Negara Malaysia has given the two companies six months to conclude the discussions, RHB Bank said in a bourse filing late Monday.
If a deal happens, the lender could sell its entire holding in RHB Insurance to the Japanese company to be merged with its local business, Tokio Marine Insurans (Malaysia). RHB Bank could hold a stake of up 35% stake in the combined entity, it said.
Any definitive agreement will require approval from Malaysia's finance minister.
A merger of Tokio Marine Insurans Malaysia and RHB Insurance would create Malaysia's fifth-largest general insurer by assets and the fourth-largest by net profit, Maybank Investment Bank analyst Desmond Ch'ng said in a note.
He sees the such a combination as a win-win that would clear foreign-ownership hurdles for the Japanese firm in Malaysia, while giving RHB Bank economies of scale.
The talks rekindle a past attempt to unite the two businesses, which fell through in 2019 after the two side failed to agree on terms.
Prospects for a concrete deal seem stronger this time, CIMB Securities analysts said, though discussion are still in the very early stages, and the outcome will depend on pricing and merger synergies.
In CIMB Securities' view, a merger would unlock the value of RHB's general insurance business and create a competitive insurer with a near-10% share of the Malaysian market.
The proposed structure also aligns with a broader regional trend of banks shifting toward distribution-led bancassurance and capital-light fee models, CIMB Securities' Ei Leen Tan said in a note.
Write to Ying Xian Wong at yingxian.wong@wsj.com
(END) Dow Jones Newswires
May 11, 2026 22:26 ET (02:26 GMT)
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