Investor Presentation
September 2025 Financial Results
https://www.publicbankgroup.com
5.35
5.35
↑0.01%
Net profit (RM'bil)↑4.7%
Higher profitability driven by top-line growth with revenue rising by 9.6% y-o-y
Profit before tax (RM'bil)↑3.5%
↑5.1%
9M Q3 2024 9M Q3 2025
Q2 2025
Q3 2025
2.33
2.45
7.10
6.86
Healthy loan and deposit annualised growth of 5.4% and 4.0%, respectively, above the banking industry average
Net return on equity at 12.6%
Asset quality remained sound with gross impaired loans ratio at
0.52% and total credit cost at 3 bps
Healthy capital and funding position
1.84
1.76
↑5.4%*
Domestic operations↑6.1%*
Dec-24
Sep-25
Dec-24
Sep-25
397.7
424.2
416.0
441.2
Gross impaired loans ratio
0.52%
Dec-24: 0.52%
Net ROE
12.6%
Dec-24: 13.2%
Cost-to-income
ratio
34.9%
Dec-24: 34.5%
NIM
2.16%
Dec-24: 2.21%
Of which:
9M 3Q 2024 9M 3Q 2025 Q2 2025 Q3 2025
Customer deposits (RM'bil)433.3
446.2
↑4.0%*
Domestic operationsGross loan to fund and equity ratio
83.9%
Dec-24: 83.2%
Credit cost ratio
0.03%
Dec-24: 0.0001%
Loan loss coverage ratio
154.8%
Dec-24: 166.2%
Total capital ratio
16.5%
Dec-24: 17.1%π
Of which:
↑4.1%*
403.5
416.0
Dec-24 Sep-25
Dec-24 Sep-25
* Annualised growth
π After deducting dividends declared subsequent to end of period / year
9M 2025
Financial Highlights
Pre-tax profit
rose by 3.5% y-o-y and
5.1% q-o-q, contributing to a net ROE
of 12.6%
Income Statement | ||||||
(RM'mil) | 9M Q3 2024 | 9M Q3 2025 | y-o-y | Q2 2025 | Q3 2025 | q-o-q |
Net interest / financing income* | 8,241.8 | 8,446.4 | 2.5% | 2,842.3 | 2,800.2 | -1.5% |
Non-interest / non-financing income* | 2,126.1 | 2,530.6 | 19.0% | 809.3 | 924.6 | 14.2% |
Net income | 10,367.9 | 10,977.0 | 5.9% | 3,651.6 | 3,724.8 | 2.0% |
Other operating expenses | (3,621.5) | (3,827.6) | 5.7% | (1,299.5) | (1,268.7) | -2.4% |
Operating profit | 6,746.4 | 7,149.4 | 6.0% | 2,352.1 | 2,456.1 | 4.4% |
Loan loss allowance | (41.7) | (83.9) | >100.0% | (34.1) | (10.8) | -68.4% |
(Other allowance) / writeback of other allowance | (11.2) | (8.3) | -26.2% | 0.5 | (4.5) | >100.0% |
Share of profit after tax of equity accounted associated companies | 167.2 | 41.6 | -75.1% | 15.1 | 11.8 | -22.2% |
Profit before tax | 6,860.7 | 7,098.8 | 3.5% | 2,333.6 | 2,452.6 | 5.1% |
Net profit attrib. to shareholders | 5,347.5 | 5,348.1 | 0.01% | 1,760.2 | 1,842.6 | 4.7% |
Earnings per share (sen) | 27.55 | 27.69 | 0.5% | 9.11 | 9.54 | 4.7% |
* Include Islamic banking business
Profitability
Strong
non-interest
income growth
2.26 2.18 2.21 2.15 2.21 2.19 2.24 2.21 2.19 2.18 2.10
2,675
2,819
2,800
Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3
2023 | 2024 | 9M Q3 2025 | |
Year Average NIM | 2.20% | 2.21% | 2.16% |
Net
Interest Income & Margin
NIM declined
8 bps q-o-q following the OPR cut
(RM'mil) Composition | 9M Q3 2024 | 9M Q3 2025 | y-o-y | Q2 2025 | Q3 2025 | q-o-q | |
Net fee and commission | 1,648.3 | 1,633.5 | -0.9% | 525.6 | 565.0 | 7.5% | |
Of which: - Unit trust income 37% | 920.9 | 928.8 | 0.9% | 285.0 | 332.9 | 16.8% | |
- Fee & commission income 23% | 566.3 | 579.8 | 2.4% | 198.7 | 195.3 | -1.7% | |
- Stockbroking income 5% | 161.1 | 124.9 | -22.5% | 42.0 | 36.8 | -12.4% | |
Net gains and losses on financial instruments 8% | 73.8 | 196.6 | >100.0% | 73.4 | 89.2 | 21.6% | |
Other operating income | 336.2 | 372.9 | 10.9% | 101.7 | 144.7 | 42.3% | |
Of which: - Foreign exchange income 12% | 261.7 | 301.2 | 15.1% | 95.2 | 110.9 | 16.5% | |
- Others 3% | 74.5 | 71.7 | -3.9% | 6.5 | 33.8 | >100.0% | |
Income from general insurance 9% business | N/A | 234.6 | N/A | 77.4 | 88.5 | 14.4% | |
Non-interest income | 2,058.3 | 2,437.6 | 18.4% | 778.1 | 887.4 | 14.0% | |
Islamic non-financing income 3% | 67.8 | 93.0 | 37.2% | 31.2 | 37.2 | 19.0% | |
Total non-interest / non-financing income 100% | 2,126.1 | 2,530.6 | 19.0% | 809.3 | 924.6 | 14.2% | |
Total non-interest income/Total income* | 20.5% | 23.1% | 22.2% | 24.8% | |||
* These ratios include non-financing income from Islamic banking business
Non-
Interest Income
Strong growth
in investment and foreign exchange income, further supported by general insurance
income
Profit before tax by Operating Segments | |||||||||||||
(RM'mil) | Composition | 9M Q3 2024 | 9M Q3 2025 | y-o-y | Q2 2025 | Q3 2025 | q-o-q | ||||||
Retail operations | 48% | 3,461.4 | 3,397.8 | -1.8% | 1,124.3 | 1,188.3 | 5.7% | ||||||
Hire purchase | 7% | 570.4 | 537.8 | -5.7% | 192.1 | 148.6 | -22.7% | ||||||
Fund management | 9% | 640.5 | 624.5 | -2.5% | 195.3 | 221.2 | 13.2% | ||||||
Corporate lending | 9% | 554.1 | 631.8 | 14.0% | 207.0 | 231.4 | 11.8% | ||||||
Treasury operations | 3% | 232.1 | 223.6 | -3.7% | 93.5 | 85.8 | -8.2% | ||||||
General Insurance | 4% | N/A | 308.2 | N/A | 105.7 | 110.6 | 4.6% | ||||||
Investment banking | 1% | 75.7 | 49.5 | -34.7% | 12.2 | 19.3 | 58.6% | ||||||
Others | 14% | 1,001.5 | 978.3 | -2.3% | 326.5 | 304.8 | -6.7% | ||||||
Overseas operations | 5% | 325.0 | 347.3 | 6.9% | 77.0 | 142.6 | 85.1% | ||||||
Profit before tax | 100% | 6,860.7 | 7,098.8 | 3.5% | 2,333.6 | 2,452.6 | 5.1% | ||||||
Segmental Profit
Diversified earnings, with domestic retail operations remaining the key driver
Retail Operations | |||
(RM'mil) | 9M Q3 2024 | 9M Q3 2025 | y-o-y |
Net interest income | 4,658.0 | 4,713.3 | 1.2% |
Non-interest income | 631.7 | 634.8 | 0.5% |
Net income | 5,289.7 | 5,348.1 | 1.1% |
Other operating expenses | (1,925.0) | (1,943.0) | 0.9% |
Writeback of allowance / (Allowance) for impairment on loans and other assets | 96.7 | (7.3) | >100.0% |
Profit before tax | 3,461.4 | 3,397.8 | -1.8% |
0.33% 0.35% 0.31%
320.2
324.4
297.8
289.2
276.1
262.0
964.4
877.0
886.0
2023 2024 Sep-25
2023 2024 Sep-25
Retail
Operations
Profit impacted
mainly
by loan loss allowances
Hire Purchase | |||
(RM'mil) | 9M Q3 2024 | 9M Q3 2025 | y-o-y |
Net interest income | 853.3 | 883.3 | 3.5% |
Non-interest income | 1.5 | 0.4 | -69.1% |
Net income | 854.8 | 883.7 | 3.4% |
Other operating expenses | (220.5) | (254.7) | 15.5% |
Allowance for impairment on loans and other assets | (63.9) | (91.2) | 42.7% |
Profit before tax | 570.4 | 537.8 | -5.7% |
Corporate Lending | |||
(RM'mil) | 9M Q3 2024 | 9M Q3 2025 | y-o-y |
Net interest income | 444.4 | 436.5 | -1.8% |
Non-interest income | 40.2 | 47.4 | 17.9% |
Net income | 484.6 | 483.9 | -0.2% |
Other operating expenses | (16.7) | (18.7) | 11.8% |
Writeback of allowance for impairment on loans and other assets | 86.2 | 166.6 | 93.2% |
Profit before tax | 554.1 | 631.8 | 14.0% |
73.0
79.3
64.6
47.8
46.8
45.6
GIL ratio
2023 2024 Sep-25
Gross Impaired Loans (RM'mil)162.5
167.9
189.9
0.26% 0.22% 0.24%
2023 2024 Sep-25
GIL ratio
2023 2024 Sep-25
Gross Impaired Loans (RM'mil)443.5
400.9
427.5
0.97% 0.84% 0.91%
2023 2024 Sep-25 8
Hire Purchase and Corporate Lending
HP's PBT impacted by higher other operating expenses and loan loss allowances; Corporate lending earnings benefitted from higher fee income and write-back of allowance
Sep-25
2024
2023
9M Q3 2023 9M Q3 2024 9M Q3 2025
NAV - Other Funds
NAV - Equity Funds
81.9
79.7
75.7
25.2
102.022.3
97.121.4
107.1 Net Asset Value of Funds Under Management (RM'bil) Profit Before Tax (RM'mil)Public Mutual Berhad
592.8
624.5
640.5
Retail Market Share: 34.0%
Of which: Unit Trust Business
Annualised New Premium (RM'mil)Of which: Bancassurance Business
384.7 450.8 330.7^102.6
144.3
147.8
228.1^
240.4
303.0
1H
9M Q3 2023 9M Q3 2024 9M Q3 2025
^ Restated
Wealth
Management
Marginal drop
in profit before tax in unit trust business; Bancassurance business generated about RM450 million in ANP,
up 17% y-o-y
(RM'mil) Composition | 9M Q3 2024 | 9M Q3 2025 | y-o-y | Q2 2025 | Q3 2025 | q-o-q | |
Personnel costs 73% | 2,658.8 | 2,789.3 | 4.9% | 930.1 | 926.8 | -0.4% | |
Establishment costs 17% | 650.6 | 649.4 | -0.2% | 218.3 | 222.3 | 1.9% | |
Marketing expenses 3% | 90.8 | 105.1 | 15.8% | 36.3 | 39.2 | 8.2% | |
Administration and general expenses 7% | 221.3 | 283.8 | 28.2% | 114.8 | 80.3 | -30.1% | |
Total other operating expenses 100% | 3,621.5 | 3,827.6 | 5.7% | 1,299.5 | 1,268.7 | -2.4% |
Industry:
44.8%
31.7%
32.6%
33.7%
34.9%
34.9%
9M Q3 2021 9M Q3 2022 9M Q3 2023 9M Q3 2024 9M Q3 2025
Total Other Operating Expenses (RM'mil)
Cost-to-income ratio
3,004
3,195
3,313
3,621
3,828
Other
Operating Expenses
Cost-income
ratio remained stable and well below
industry
Loans - Outstanding Balance and Market Share Loans - By Segment
17.5%
17.7%
17.9%
Share
2023 2024 Sep-25
Others,
399.0
424.2
441.2
372.7
397.7
416.0
<1%
Overseas Operations, 6%
Corporate Lending, 11%
Group Loan Growth | 5.9% | 6.3% | 5.4%* |
Domestic Loan Growth | 5.9% | 6.7% | 6.1%* |
Domestic Industry Average | 5.3% | 5.5% | 4.5%* |
Hire
Sep-25
RM441.2 bil
Retail
Operations, 65%
Purchase,
Residential properties
Commercial properties
20.4% 20.2% 20.1% 32.6%
32.0%
32.2%
30.5%
Hire purchase
31.8%
32.8%
↑5.7%*
Industry:
5.9%*
↑7.4%*
Industry:
6.3%*
Of which, financing to Domestic SMEs
Industry:
↑11.4%* 7.2%*
91.8
2023
2024 Sep-25
2023
2024
Sep-25
2023
2024
Sep-25
Domestic Loan (RM'bil) Market Share
64.6
73.0
79.3
81.9
86.9
161.5
177.7
170.4
Gross Loan in Domestic Operations
18%
↑10.7%* 67.9 72.0 77.7 | |
2023 2024 Sep-25 |
Loan
Growth
Favourable
growth across key lending
segments
0.5%
Residential properties
0.3%
Domestic Operations
Transport vehicles
0.5%
0.3%
0.3%
Industry:
1.13%
0.3%
0.2%
0.2% Industry:
0.57%
545
2019
2023
2024 Sep-25
2019
Commercial properties
0.3%
0.6%
0.7%
0.6%
Industry:
1.45%
2023
SME
0.8%
2024
Sep-25
0.9%
0.8%
0.4%
Industry:
3.68%
546
663
654
2019
2023
2024 Sep-25
2019
2023
2024 Sep-25
270
225
507
580
591
162
168
190
234
538
563
617
Group Gross Impaired Loans
Pre-pandemic:
0.5%
0.5% 0.5%
Industry:
1.51%
0.4%
0.4%
0.4% Industry:
1.41%
0.4%
1,605
2,335
2,225 2,281
2019 2023 2024 Sep-25
0.6%
Of which:
Loan loss coverage (include regulatory reserve)
0.04%
0.03%
97.0
0.0001%
63.4
24.2 34.0
39.0 34.1
1.5
-1.3 -20.5 -41.1
10.8
Loan loss coverage
Credit cost ratio
Loan impairment allowances (RM'mil)
212.8% 237.7% 244.3%
181.8% 166.2% 154.8%
Ageing analysis of total domestic loans
% Ageing Profile of Past Due Loan / Financing | ||||
Pre-pandemic | At present | |||
2018 | 2019 | 2024 | Sep-25 | |
1 mth to <2 mths | 2.6% | 2.2% | 1.3% | 0.9% |
2 mths to <3 mths | 1.0% | 1.0% | 0.2% | 0.2% |
>3 mths | 0.4% | 0.4% | 0.4% | 0.4% |
Total >1 mth | 4.0% | 3.6% | 1.9% | 1.5% |
Industry: 89.0%
2023 2024 2025
Asset
Quality
Gross impaired
loans ratio was stable at 0.5% with the loan loss coverage ratio remaining prudent at
154.8%
Deposit - Outstanding Balance and Market Share
16.3% 16.5% 16.6%
Deposit - By Type412.9
433.3
446.2
384.9
403.5
416.0
Money Market Deposit and
Fixed
Group Deposit (RM'bil)
Others,
15%
Sep-25 RM446.2 bil
Deposit,
57%
Demand Deposit, 17%
Savings Deposit, 11%
Share
Total Deposit in Domestic Operations
Group Deposit Growth | 4.6% | 4.9% | 4.0%* |
Domestic Deposit Growth | 4.8% | 4.8% | 4.1%* |
Domestic Industry Average | 5.6% | 3.0% | 2.7%* |
88.8 | 117.3 | 120.3 | 123.9 | ||||
2019 | 2023 | 2024 | Sep-25 |
2023 2024 Sep-25
Group CASA ratio
25.1%
28.4%
27.8% 27.8%
Pre-pandemic:
15.6%
11.9%
Industry:
Savings Deposit
↑1.2%*
70.1
9.2%*
12.3% 12.2%
Industry:
0.7%*
17.8%
18.8%
18.8%
Money Market Deposit and Others
16.3%
6.3%*
65.1
↑19.4%*
↑5.0%*
↑0.6%*
2024
44.4
2023
67.5
44.0
2024
2023
42.7
67.3
2023
58.7
Sep-25
Demand Deposit
2024 Sep-25
2024
70.8
Sep-25
Sep-25
234.3
233.2
206.3
Domestic Deposit Market Share
2023
18.9%
16.4%
Industry:
Fixed Deposit
Industry:
0.9%*
18.4% 18.5%
Deposit
Growth
Balanced
funding structure; CASA ↑3.9%
annualised
growth
Capital Adequacy
17.1%
14.3%
13.8%
90.1%
Liquidity Risk Indicators
Industry
LTF: 82.6%
Industry
LTFE: 72.1%
91.4% 92.9% 94.3% 95.0%
Industry Total capital: 17.9%
Industry Tier I: 14.6%
Industry CET I: 14.2%
16.5%
17.7% | 17.6% | 17.6% | |
14.6% | 14.6% | 14.7% |
14.5% 14.6% 14.7% 14.3% 13.8%
298.9
313.7
333.8
349.6 368.2
80.0%
81.1% 82.0% 83.2% 83.9%
2021 2022 2023 2024 Sep-25
2021 2022 2023 2024 Sep-25
* The Basel III capital ratio requirements are inclusive of:
2.5% capital conservation buffer
Risk-weighted Assets (RM'bil)Basel III Requirement*
Domestic Systemically Important Bank (DSIB) buffer of 0.5% imposed on PBB as announced by BNM,
Common Equity Tier I Capital------
7.5%
which was effective on 31 Jan 2021
Tier I CapitalTotal Capital---------------------------
---------------------------
9.0%
11.0%
Note: PBB did not opt for the BNM transitional arrangement on capital relief
Capital &
Liquidity Position
Strong balance
sheet position to support long-term
growth
>21,000Staff
>2,0002023
2024
Sep-25
Malaysian Operations
Public Bank - Domestic
- Overseas
260
7
260
3*
260
3*
Public Islamic Bank
4
4
4
Public Mutual
28
28
28
Public Investment Bank
1
1
1
Lonpac Insurance
-
22^
22^
Hong Kong & China Operations
Public Finance
40
40
40
Public Bank (HK) - Hong Kong
- China
30
5
30
5
29
5
Winton (B.V.I) Group
3
3
3
Indo-China Operations
Cambodia Public Bank
32
32
32
Public Bank Vietnam
40
40
40
Public Bank Lao
-
4*
4*
450
472
471
Self Service Terminals
PBe / MyPB Internet Banking MyPB Mobile Banking PB enterprise Internet / Mobile Banking* Public Bank Lao officially commenced business operations on 1 January 2024 as a full fledge banking subsidiary, with the opening of 4 domestic branches converted from Public Bank Berhad's 4 overseas branches
^ LPI Capital Berhad's physical distribution channel includes 21 Lonpac branches across Malaysia and 1 in Singapore 15
Business Delivery Channel
Corporate
Mission
To sustain the position of being the most efficient, profitable and respected premier financial institution in
Malaysia
Strategic Focus
To pursue synergistic growth in the retail banking business, focusing on domestic consumer banking and SME lending
Key Value Driver
Business Pillars
Lending Business
Deposit-Taking Business
Non-interest Income
Corporate Banking
Treasury Operations
Islamic Banking Business*
Investment Banking
Overseas Operations
Delivering sustainable returns to shareholders Increase profitability by focusing on areas of strength
Focus on synergistic growth
Preserve asset quality
Maintain cost discipline
Uphold strong corporate governance
Enhance capital strength and risk management
Maintain an appropriate balance between optimising returns to shareholders and upholding prudent capital management
Compliance with regulatory requirements
Maintenance of strong external credit ratings by domestic and international rating agencies
Sustain healthy liquidity position
Strategic Direction
Enhancing customer experience
Solidify customer loyalty and trust
Uphold service quality
Ethical banking
Enhance data security
Digital transformation
Embrace digital transformation to meet
customers' evolving needs
Developing employees
Build capabilities for the future
Nurture talents
Employee health and safety, and wellbeing
Diversity and inclusion
Increased focus on sustainability
Transition to a sustainable future
Support the transition to a climate resilient future
Financial inclusion and accessibility
Expand financial inclusion and support the community's financial needs
Community contribution
Contribute to nation building
Nurture future generations
Strengthen communities through volunteerism and charitable donations
Business Enabler
Improve IT Application Enhance Human Capital Development Uphold Service Quality Strengthen Compliance Prudent Risk Management
Notes: * PBB continues to commit to its key subsidiary by supporting PIBB in its pursuit of its corporate vision and provide on-going shared-services to PIBB
Strategic Direction
RM'mil | 2019 | 2021 | 2022 | 2023 | 2024 | Sep-25 | |
Operating profit | 7,283 | 8,579 | 9,203 | 8,678 | 9,183 | 7,149 | |
Profitability | Profit before tax | 7,134 | 7,367 | 8,831 | 8,539 | 8,932 | 7,099 |
Net profit | 5,512 | 5,657 | 6,119 | 6,649 | 7,147 | 5,348 | |
Earnings per share (sen) | 28.39 | 29.14 | 31.53 | 34.26 | 36.84 | 27.69 | |
Shareholder | Net assets per share (RM) | 2.25 | 2.48 | 2.59 | 2.82 | 2.97 | 3.02 |
Value | Dividend per share (sen) | 14.6 | 15.2 | 17.0 | 19.0 | 21.0 | N/A |
Dividend payout ratio (%) | 51.4 | 52.2 | 53.9 | 55.5 | 57.0 | N/A | |
Total assets | 432,831 | 462,739 | 493,263 | 510,598 | 542,863 | 555,638 | |
Gross loan | 330,468 | 358,027 | 376,892 | 398,997 | 424,171 | 441,239 | |
Domestic loan | 307,164 | 334,646 | 352,065 | 372,697 | 397,656 | 415,980 | |
Deposit from customers | 353,340 | 380,394 | 394,719 | 412,897 | 433,264 | 446,209 | |
Key Balance Sheet Data | Domestic deposit Core customer deposit Shareholders' equity | 325,199 294,646 43,594 | 352,615 325,770 48,163 | 367,144 335,570 50,179 | 384,918 342,033 54,674 | 403,481 374,500 57,335 | 416,019 378,921 58,251 |
Common equity Tier I capitalπ | 37,406 | 43,428 | 45,648 | 48,911 | 49,835 | 50,845 | |
Tier I capitalπ | 37,564 | 43,587 | 45,806 | 48,971 | 49,895 | 50,902 | |
Total capitalπ | 46,571 | 52,878 | 55,256 | 58,624 | 59,677 | 60,904 | |
Risk-weighted assets | 277,906 | 298,890 | 313,678 | 333,774 | 349,571 | 368,162 |
π After deducting dividends declared subsequent to end of period / year
Appendix
% | 2019 | 2021 | 2022 | 2023 | 2024 | Sep-25 | Industryb | |
Net interest margin on yielding assets | 2.15 | 2.22 | 2.39 | 2.20 | 2.21 | 2.16 | N/A | |
Profitability Ratios | Net return on equity+ Pre-tax return on average assets Cost to income ratio | 13.6 1.7 34.4 | 12.4 1.6 31.6 | 12.8 1.8 31.5 | 13.0 1.7 33.7 | 13.2 1.7 34.5 | 12.6 1.7 34.9 | 10.3 1.5 44.8 |
Non interest income/Total income* | 22.7 | 22.0 | 18.5 | 19.6 | 21.0 | 23.1 | 38.3 | |
Liquidity | Gross loan to fund ratio~ Gross loan to fund and equity ratio~ | 88.9 79.2 | 90.1 80.0 | 91.4 81.1 | 92.9 82.0 | 94.3 83.2 | 95.0 83.9 | 82.6^ 72.1^# |
Gross impaired loans ratio | 0.49 | 0.31 | 0.42 | 0.59 | 0.52 | 0.52 | 1.41 | |
Asset Quality | Loan loss coverage ratio | 124.1 | 360.7 | 272.0 | 181.8 | 166.2 | 154.8 | 89.0 |
Credit cost ratio | 0.05 | 0.34 | 0.10 | 0.04 | 0.00 | 0.03 | 0.16ˇ | |
Capital Adequacy | Common equity Tier I capital ratioπTier I capital ratioπ Total capital ratioπ | 13.5 13.5 16.8 | 14.5 14.6 17.7 | 14.6 14.6 17.6 | 14.7 14.7 17.6 | 14.3 14.3 17.1 | 13.8 13.8 16.5 | 14.2 14.6 17.9 |
Domestic market share | ||||||||
Commercial property financing | 35.0 | 34.2 | 33.4 | 32.6 | 32.0 | 32.2 | N/A | |
Residential property financing | 19.9 | 20.5 | 20.6 | 20.4 | 20.2 | 20.1 | N/A | |
Market Share | Passenger vehicle financing | 29.4 | 29.9 | 30.2 | 30.5 | 31.8 | 32.8 | N/A |
Domestic loans | 17.3 | 17.4 | 17.4 | 17.5 | 17.7 | 17.9 | N/A | |
Domestic deposits | 16.5 | 16.2 | 16.3 | 16.3 | 16.5 | 16.6 | N/A | |
Retail private unit trust | 35.0 | 34.6 | 35.4 | 35.9 | 34.7 | 34.0 | N/A |
+ Based on average equity adjusted with proposed dividend, if any
~ Gross loans exclude loans/financing sold to Cagamas. Funds include deposits from customers and debt securities issued and other borrowed funds
^ Loans exclude loans extended to banking institutions
# Equity comprises ordinary and preferred shares and retained earnings π After deducting dividends declared subsequent to end of year / period b Based on latest available industry statistics
ˇ Average of the top 8 local banks as at Jun'25
Appendix
Disclaimer. The materials and information in the presentations and other documents are a summary only, do not purport to contain all of the material information regarding Public Bank and are qualified in their entirety by reference to our public disclosure. You may not rely on these materials as providing a complete or comprehensive analysis of Public Bank. Certain statements in this presentation constitute forward-looking statements. These forward-looking statements are based on management's current views concerning future events, and necessarily involve risks, uncertainties and assumptions. Actual future performance could differ materially from these forward-looking statements, and you should not place undue reliance on these forward-looking statements. Public Bank does not assume any liability for any loss that may result from the reliance by any person upon any such information or opinions.
This presentation and the information it contains are for informational purposes only, and are not an offer or solicitation for the purchase or sale of any securities or financial instruments or to provide any investment service or investment advice in any jurisdiction whatsoever. Nothing contained herein shall form the basis of, or be relied upon in connection with, any contract or commitment whatsoever, nor does it constitute a recommendation regarding any of Public Bank's securities or financial instruments. Public Bank's securities have not been, and will not be, registered under the United States Securities Act of 1933, as amended (the "Securities Act") or under any U.S. state securities laws and, subject to certain exceptions, may not be offered or sold in the United States except pursuant to an exemption from, or in a transaction not subject to, the registration requirements of the Securities Act.
Investor Relations Contact
Ms. Chang Siew Yen
Deputy Chief Executive Officer
+(603) 2176 7461
changsiewyen@publicbank.com.my
Ms. Yik Sook Ling
Chief Financial Officer
+(603) 2176 6186
yiksookling@publicbank.com.my
Mr. Chong Soo Loong
General Manager, Corporate Planning,
Economics & Sustainability Management
+(603) 2177 3152
chongsooloong@publicbank.com.my
Head Office
Menara Public Bank
146, Jalan Ampang
50450 Kuala Lumpur
Website:https://www.publicbankgroup.com