Public Bank Bhd · MYX:PBBANK
Public Bank Bhd — Shareholder Meeting (May 2025)
39 slides from Public Bank Bhd's shareholder meeting presentation, May 8, 2025
Slide 1: Public Bank Berhad 59th Annual General Meeting
PUBLIC BANK BERHAD Company Registration No. 196501000672 (6463-H) PUBLIC BANK BERHAD 59TH ANNUAL GENERAL MEETING HELD ON 8 MAY 2025 PRESENTATION SLIDES ON PUBLIC BANK GROUP’S PERFORMANCE IN 2024
Slide 2: Section 1: 2024 Financial Performance
SECTION 1: 2024 FINANCIAL PERFORMANCE
Slide 3: Profit Highlights
SECTION 1 2024 FINANCIAL PERFORMANCE PROFIT HIGHLIGHTS PRE-TAX PROFIT NET PROFIT ADJUSTED PRE-TAX PROFIT RM8.93 bil RM7.15 bil (+4.6%) (+7.5%) +10.1% 3
Slide 4: Profit Performance Drivers
SECTION 1 2024 FINANCIAL PERFORMANCE PROFIT PERFORMANCE DRIVERS Profit Loans & Deposits Stronger Non-Interest Expansion Income Growth 4
Slide 5: Loans Growth
SECTION 1 2024 FINANCIAL PERFORMANCE LOANS GROWTH GROSS LOANS DOMESTIC LOANS RM424 bil +6.7% (+6.3%) +5.5% INDUSTRY 5
Slide 6: Leading Market Position
SECTION 1 2024 FINANCIAL PERFORMANCE LEADING MARKET POSITION Market Item 1 Item 3 Item 4 Item 5 Share 20.2% 32.0% 31.8% 17.9% Residential Commercial Hire Domestic Property Property Purchase SME 6
Slide 7: Deposits Growth
SECTION 1 2024 FINANCIAL PERFORMANCE DEPOSITS GROWTH CUSTOMER DEPOSITS DOMESTIC DEPOSITS DOMESTIC CORE RM433 bil +4.8% CUSTOMER DEPOSITS +9.8% (+4.9%) +3.0 Supported by FIXED DEPOSITS GROWTH % +13.1% INDUSTRY 7
Slide 8: Outperform Banking Peers
SECTION 1 2024 FINANCIAL PERFORMANCE OUTPERFORM BANKING PEERS Cost Efficiency Asset Quality Profitability COST TO INCOME RATIO GROSS IMPAIRED LOANS RATIO NET RETURN ON EQUITY (%) 50 47.3% (%) 1.6 1.4% (%) 14 13.2% 12 10.3% 40 34.5% 1.2 10 30 8 0.8 20 0.5% 6 4 0.4 10 2 INDUSTRY INDUSTRY INDUSTRY 0 0
Slide 9: Public Mutual
SECTION 1 2024 FINANCIAL PERFORMANCE PUBLIC MUTUAL 2025 Reader’s Digest Trusted Brand Platinum Award #1 in Malaysia’s Total funds: 185 retail unit trust segment 2025 Morningstar Awards Malaysia MARKET SHARE 34.7% 9
Slide 10: Public Mutual
SECTION 1 2024 FINANCIAL PERFORMANCE PUBLIC MUTUAL ASSETS UNDER TOTAL MANAGEMENT FUNDS Total funds: 185 PROFIT BEFORE TAX RM860 mil RM102 bil 185 (+7.8%) (+5%) 10
Slide 11: Loan Loss Coverage Ratio
SECTION 1 2024 FINANCIAL PERFORMANCE LOAN LOSS COVERAGE RATIO 238% Including Regulatory Reserves 166% Total funds: 185 91% INDUSTRY 11
Slide 12: Stable & Healthy Capital & Liquidity Positions
SECTION 1 2024 FINANCIAL PERFORMANCE STABLE & HEALTHY CAPITAL & LIQUIDITY POSITIONS Capital Liquidity 14.3% 133% COMMON EQUITY TIER 1 CAPITAL RATIO 7.5% AVERAGE 100% MinimumLiquidity Coverage Ratio of 133 LIQUIDITY Minimum requirement requirement COVERAGE RATIO 17.1% TOTAL CAPITAL RATIO 11.0% Minimu
Slide 13: Stable Dividend Payout
SECTION 1 2024 FINANCIAL PERFORMANCE STABLE DIVIDEND PAYOUT 21 SEN PER SHARE 2024 Dividend Payout 11 SEN 19 RM4.08 bil SEN PER SHARE PER SHARE 2ND Interim paid in March 2025 10 SEN PER SHARE Payout Ratio 57.0% 1st Interim paid in September 2024 2023 2024 13
Slide 14: Stable Dividend Payout: Dividend Yield
SECTION 1 2024 FINANCIAL PERFORMANCE STABLE DIVIDEND PAYOUT 21 SEN PER SHARE 11 SEN PER SHARE DIVIDEND YIELD 2ND Interim 4.6% paid in March 2025 10 SEN PER SHARE (based on RM4.56 share price as at the end of 2024) 1st Interim paid in September 2024 2024 14
Slide 15: Deliver Strong Returns to Shareholders
SECTION 1 2024 FINANCIAL PERFORMANCE DELIVER STRONG RETURNS TO SHAREHOLDERS Consistent dividend payouts Stable share performance Consistent dividend payouts Stable share performance Increased value for long-term shareholders Increased value for long-term shareholders 15
Slide 16: Market Capitalisation
SECTION 1 2024 FINANCIAL PERFORMANCE MARKET CAPITALISATION RM86.77 bil 16
Slide 17: Section 2: Strategies and Directions for 2025
SECTION 2: STRATEGIES AND DIRECTIONS FOR 2025
Slide 18: Positive Economic Outlook
SECTION 2 STRATEGIES AND DIRECTIONS FOR 2025 Positive Economic Outlook amid global uncertainty Projected Stable Growth Risks Steady Domestic Demand Weaker External Demand Growing Services Sector Trade Tensions Ongoing Investment in US Tariff Infrastructure Projects 18
Slide 19: Business Focus for 2025
SECTION 2 STRATEGIES AND DIRECTIONS FOR 2025 Business Focus for 2025 Staying Focused and Resilient Sustain Manage Operate Prudent Growth Risks Efficiently Credit Risk Management committed to uphold strong risk management and corporate governance practices 19
Slide 20: 2024 - Strengthened Market Position
SECTION 2 STRATEGIES AND DIRECTIONS FOR 2025 2024 - Strengthened Market Position Acquired LPI Capital Berhad 20
Slide 21: 2024 - Strengthened Market Position
SECTION 2 STRATEGIES AND DIRECTIONS FOR 2025 2024 - Strengthened Market Position Acquired Established Public Bank LPI Capital Berhad Securities Vietnam ….towards universal banking with wider range of products and services 21
Slide 22: Strengthening Presence in Indochina
SECTION 2 STRATEGIES AND DIRECTIONS FOR 2025 Strengthening Presence in Indochina Building Strength in Indochina Public Bank Lao Ltd established as a wholly owned subsidiary 22
Slide 23: Innovation | Inclusivity | Sustainability
SECTION 2 STRATEGIES AND DIRECTIONS FOR 2025 Innovation | Inclusivity | Sustainability Through Digital Transformation Access for All Secure & Intuitive Digital Banking Services 23
Slide 24: MyPB Mobile App
SECTION 2 STRATEGIES AND DIRECTIONS FOR 2025 Enhanced Version of MyPB Mobile AppDigital Accelerating and OnlineTransformation Banking Platform Innovation | Inclusivity | Sustainability Introduced in Introduced in Nov 2023 Jul 2024 Strong Enhanced Customer features Adoption User-friendly interface 24
Slide 25: Mobile Banking Performance
SECTION 2 STRATEGIES AND DIRECTIONS FOR 2025 Mobile Banking Performance Accelerating Digital Transformation Innovation | Inclusivity | Sustainability New Users +22.8% Mobile Banking Transactions +54.5% 25
Slide 26: Online Banking Performance
SECTION 2 STRATEGIES AND DIRECTIONS FOR 2025 Online Banking Performance Accelerating Digital Transformation Total New Companies Registered New Users +7.6% +16.1% No. of Transactions +18.3% 26
Slide 27: Our Top Priority - Safeguarding Financial Security
SECTION 2 STRATEGIES AND DIRECTIONS FOR 2025 Our Top Priority - Safeguarding Financial Security Protect customers' interests Uphold Public Bank's brand reputation Increased investment in IT risk management to build cyber resilience 27
Slide 28: Scam Protection Initiatives
SECTION 2 STRATEGIES AND DIRECTIONS FOR 2025 Scam Protection Initiatives Protecting Customers Across Digital Channels Cooling-Off Kill-Switches Secure Token Ongoing Periods Authentication Education 28
Slide 29: Cybersecurity Awareness Initiative - PB Scam Rangers
SECTION 2 STRATEGIES AND DIRECTIONS FOR 2025 Cybersecurity Awareness Initiative - PB Scam Rangers Educate public on the latest financial scams 29
Slide 30: Cybersecurity: Customers Protected
SECTION 2 STRATEGIES AND DIRECTIONS FOR 2025 Cybersecurity Protected Prevented > 1.2 Million RM1.78 Billion Customers from scams 30
Slide 31: Sustainability Commitment
SECTION 2 STRATEGIES AND DIRECTIONS FOR 2025 Sustainability Commitment Launch various Support transition Integrate ESG sustainable to Low-Carbon considerations products Economy 31
Slide 32: Sustainable Finance
SECTION 2 STRATEGIES AND DIRECTIONS FOR 2025 Sustainable Finance >RM67 bil Mobilised since 2020 RM100 bil Target by 2030 Low Emission Social Agenda Corporate Sustainability- Green Vehicles Financing Financing Loans linked Loans Financing 32
Slide 33: Developed Decarbonisation Plan
SECTION 2 STRATEGIES AND DIRECTIONS FOR 2025 Developed Decarbonisation Plan 2030 2050 Achieve Carbon Neutral in Achieve Scope 1 and Scope 2 Net Zero 33
Slide 34: Committed to Sustainable Long-Term Growth
SECTION 2 STRATEGIES AND DIRECTIONS FOR 2025 Committed to Sustainable Long-Term Growth 34
Slide 35: Honouring Legacy
SECTION 2 STRATEGIES AND DIRECTIONS FOR 2025 Honouring Legacy With a strong foundation built over five decades, Public Bank Group will continue to adapt and evolve Tan Sri Dato’ Sri Dr Teh Hong Piow 35
Slide 36: Public Bank Group will continue to…
SECTION 2 STRATEGIES AND DIRECTIONS FOR 2025 Public Bank Group will continue to… Navigate Uncertainties Remain Competitive 36
Slide 37: Public Bank Group's long-term success drivers
SECTION 2 STRATEGIES AND DIRECTIONS FOR 2025 Public Bank Group’s long-term success drivers Financial Strength Prudent Credit Practices Strategic Vision 37
Slide 38: Sustainable value creation for all stakeholders
SECTION 2 STRATEGIES AND DIRECTIONS FOR 2025 Sustainable value creation for all stakeholders 38
Slide 39: Thank You
© PUBLIC BANK THANK YOU