Public Bank Bhd · MYX:PBBANK
Public Bank Bhd — Shareholder Meeting (May 2026)
37 slides from Public Bank Bhd's shareholder meeting presentation, May 5, 2026
Slide 1: 60th Annual General Meeting
60TH ANNUAL GENERAL MEETING 5 MAY 2026
Slide 2: Section 1: 2025 Financial Performance
SECTION 1: 2025 FINANCIAL PERFORMANCE 2
Slide 3: Commendable Results
COMMENDABLE RESULTS PRE-TAX PROFIT NET PROFIT RM9.54 bil RM7.22 bil 9.6 +6.8% 7.25 +1.1% 9.4 7.20 9.2 7.15 RM7.15 bil 9 RM8.93 bil 7.10 8.8 7.05 8.6 7.00 2024 2025 2024 2025 2025 FINANCIAL PERFORMANCE 3
Slide 4: Profit Performance Drivers
PROFIT PERFORMANCE DRIVERS PROFIT Healthy Robust Non-Interest Loans & Deposits Income Growth Growth 2025 FINANCIAL PERFORMANCE 4
Slide 5: Non-Interest Income
NON-INTEREST INCOME General insurance business - LPI Group STRONG GROWTH Wealth management business +15.2% Investment income 2025 FINANCIAL PERFORMANCE 5
Slide 6: Loans Growth
LOANS GROWTH GROSS LOANS & DOMESTIC LOANS FINANCING RM446 bil +5.9% +5.1% +4.8% INDUSTRY 2025 FINANCIAL PERFORMANCE 6
Slide 7: Leading Market Position
LEADING MARKET POSITION 20.1% 32.4% 32.8% 18.7% MARKET MARKET MARKET MARKET SHARE SHARE SHARE SHARE Residential Commercial Hire Domestic Property Property Purchase SME 2025 FINANCIAL PERFORMANCE 7
Slide 8: Deposits Growth
DEPOSITS GROWTH CUSTOMER DEPOSITS DOMESTIC DEPOSITS RM447 bil +3.8% supported by the growth of • core deposits +3.2% • money market deposits 2025 FINANCIAL PERFORMANCE 8
Slide 9: Outperform Banking Peers
OUTPERFORM BANKING PEERS PROFITABILITY COST EFFICIENCY ASSET QUALITY NET RETURN ON EQUITY COST-TO-INCOME RATIO GROSS IMPAIRED LOANS RATIO (%) (%) (%) 14 12.8% 50 45.2% 1.6 1.4 1.37% 12 10 10.2% 40 34.9% 1.2 30 1 8 0.8 6 20 0.6 0.51% 4 0.4 10 2 0.2 0 0 0 PUBLIC BANK INDUSTRY PUBLIC BANK INDUSTRY PUBL
Slide 10: #1 in Malaysia's Retail Unit Trust Industry
Public Mutual was accorded #1 in Malaysia’s 40 awards by LSEG Lipper, Reader’s Digest, retail unit trust industry Morningstar, The Asset and The Edge LSEG LIPPER FUND AWARDS 2026 MARKET SHARE 43.6% (excluding money market funds) Best Fund Group Best Fund Group Best Fund Group Best Fund Group Equity
Slide 11: Public Mutual Profit Before Tax and Funds Under Management
ASSETS UNDER TOTAL PROFIT BEFORE TAX MANAGEMENT FUNDS RM850.6 mil RM106 bil 185 +4.3% 2025 FINANCIAL PERFORMANCE 11
Slide 12: Loan Loss Coverage Ratio
LOAN LOSS COVERAGE RATIO 249% Including regulatory reserves 150% 85% Industry 2025 FINANCIAL PERFORMANCE 12
Slide 13: Stable & Healthy Capital & Liquidity Positions
STABLE & HEALTHY CAPITAL & LIQUIDITY POSITIONS Capital Liquidity 13.9% 128% COMMON EQUITY AVERAGE LIQUIDITY TIER 1 CAPITAL RATIO 7.5% COVERAGE RATIO 100% Minimum requirement Minimum requirement 16.6% TOTAL CAPITAL RATIO 11.0% Minimum requirement 2025 FINANCIAL PERFORMANCE 13
Slide 14: Stable Dividend Payout
STABLE DIVIDEND PAYOUT 22.5 SEN PER SHARE 12.0 SEN 2025 Dividend Payout 21.0 SEN PER SHARE RM4.37 bil PER SHARE 2ND Interim paid in March 2026 10.5 SEN PER SHARE 1ST Interim Payout Ratio 2024 paid in September 2025 2025 60.5% 2025 FINANCIAL PERFORMANCE 14
Slide 15: Stable Dividend Payout: Dividend Yield
STABLE DIVIDEND PAYOUT 22.5 SEN PER SHARE 12.0 SEN PER SHARE DIVIDEND YIELD 5.0% 2ND Interim paid in March 2026 10.5 SEN PER SHARE (based on share price of RM4.54 per share 1ST Interim paid in September 2025 as at the end of 2025) 2025 2025 FINANCIAL PERFORMANCE 15
Slide 16: Market Capitalisation
MARKET CAPITALISATION RM 92.20 bil 2nd LARGEST COMPANY on Bursa Malaysia LARGEST NON GLC on Bursa Malaysia 2025 FINANCIAL PERFORMANCE 16
Slide 17: Section 2: Strategies and Directions for 2026
SECTION 2: STRATEGIES AND DIRECTIONS FOR 2026 17
Slide 18: Malaysia's Economic Outlook
MALAYSIA‘S ECONOMIC OUTLOOK Anchored by Downside Risks DOMESTIC DEMAND GEOPOLITICAL TENSIONS may adversely affect SUPPORTIVE POLICIES GLOBAL FINANCIAL MARKETS STRATEGIES AND DIRECTIONS FOR 2026 18
Slide 19: Business Focus for 2026
BUSINESS FOCUS FOR 2026 Prudent Safeguard balance sheet Business Growth and shareholder value Credit Risk Management Manage Risks Uphold strong governance and risk management practices STRATEGIES AND DIRECTIONS FOR 2026 19
Slide 20: Non-Interest Income Growth
NON-INTEREST INCOME GROWTH 2025 • Leveraged market opportunities to boost non-interest income 2026 • Scaled up unit trust and bancassurance business continue to drive non-interest income • Launched structured products and enhanced gold investment offering STRATEGIES AND DIRECTIONS FOR 2026 20
Slide 21: Digitalisation
DIGITALISATION • Refine digital offerings Digitalisation • Streamline processes remains a key and enhance growth driver productivity • Safeguard customer data STRATEGIES AND DIRECTIONS FOR 2026 21
Slide 22: Further Enhanced Digital Banking Platforms
FURTHER ENHANCED DIGITAL BANKING PLATFORMS MyPB Online Banking MyPB App • Offer convenient access via a more intuitive interface • Provide seamless end-to-end banking experience STRATEGIES AND DIRECTIONS FOR 2026 22
Slide 23: Online Banking Performance
ONLINE BANKING PERFORMANCE MyPB Online Banking MyPB App Active Users Active Users +7.6% +4.1% Mobile Banking Transactions +52.3% STRATEGIES AND DIRECTIONS FOR 2026 23
Slide 24: Corporate Online Banking Performance
CORPORATE ONLINE BANKING PERFORMANCE Total Users +13.6% No. of Transactions +13.3% STRATEGIES AND DIRECTIONS FOR 2026 24
Slide 25: Financial Security & Cyber Resilience
FINANCIAL SECURITY & CYBER RESILIENCE COMMITMENT MEASURES APPROACH Safeguard financial Further strengthened Comprehensive security cyber resilience information technology risk management STRATEGIES AND DIRECTIONS FOR 2026 25
Slide 26: Fraud Risk Mitigation
FRAUD RISK MITIGATION Cooling-Off Kill-Switches Secure Token Ongoing Periods Authentication Education STRATEGIES AND DIRECTIONS FOR 2026 26
Slide 27: Cybersecurity Awareness Initiative – PB Scam Rangers
CYBERSECURITY AWARENESS INITIATIVE – PB SCAM RANGERS Educate public on the latest financial scams STRATEGIES AND DIRECTIONS FOR 2026 27
Slide 28: Cybersecurity: Customers Protected
CYBERSECURITY Protected Prevented > 1.6 mil ≈ RM2 bil customers from scams STRATEGIES AND DIRECTIONS FOR 2026 28
Slide 29: Sustainability Commitment
SUSTAINABILITY COMMITMENT Actively promote financial Support customers’ products & services transition to a – integrate ESG considerations Low-Carbon Economy STRATEGIES AND DIRECTIONS FOR 2026 29
Slide 30: Decarbonisation Plan
DECARBONISATION PLAN 2030 2050 2025 Carbon Neutral Net Zero • Step up Decarbonisation Plan (Scope 1 & 2) • Reduce carbon emissions • Expand sustainable financing • Support lower-carbon footprint STRATEGIES AND DIRECTIONS FOR 2026 30
Slide 31: Sustainability Highlights & Achievements
SUSTAINABILITY HIGHLIGHTS & ACHIEVEMENTS RM77 bil 1.8 mil Sustainable Finance RM10 bil Lives improved through (target: RM100 bil Affordable Housing inclusive finance by 2030) (exceeded target) STRATEGIES AND DIRECTIONS FOR 2026 31
Slide 32: Sustainability Highlights & Achievements
SUSTAINABILITY HIGHLIGHTS & ACHIEVEMENTS 2025 Exceeded PB Sustain platform cumulative target launched to support customers’ sustainability 50,000 journey Volunteer Hours 40%+ RM9.6 mil Solar installations at Community Initiatives Bank-owned branch premises STRATEGIES AND DIRECTIONS FOR 2026 32
Slide 33: Public Bank Group's Diamond Jubilee
2026 Public Bank Group’s Diamond Jubilee of banking excellence STRATEGIES AND DIRECTIONS FOR 2026 33
Slide 34: Foundation Established by Tan Sri Dato' Sri (Dr) Teh Hong Piow
Public Bank Group’s resilience and sustainable growth remain supported by strong business foundation established by Tan Sri Dato’ Sri (Dr) Teh Hong Piow STRATEGIES AND DIRECTIONS FOR 2026 34
Slide 35: Navigate Uncertainties, Remain Competitive
Public Bank Group will continue to Navigate Uncertainties Remain Competitive STRATEGIES AND DIRECTIONS FOR 2026 35
Slide 36: Steadfast in Core Principles: Prudence and Integrity
Public Bank Group remains steadfast in its core principles PRUDENCE INTEGRITY will continue to guide its journey ahead STRATEGIES AND DIRECTIONS FOR 2026 36
Slide 37: Thank You
PUBLIC BANK THANK YOU