March 2026 Financial Results
https://www.publicbankgroup.com
↑0.4%
Net profit (RM'bil)
↓6.6%
1Q2026 earnings contributed by loan and deposit growth as well as non-interest income
Profit before tax (RM'bil)
↑0.1%
↓5.3%
Q1 2025
Q1 2026
Q4 2025
Q1 2026
2.32
2.44
2.32
2.31
Loans and deposits increased by annualised rates of 5.7% and 5.3% respectively
Commendable net return on equity of 12.0%
Low credit cost at 0.05%
Stable gross impaired loans ratio of 0.5%
Solid capital and ample liquidity positions
1.75
1.75
1.88
1.75
Gross loans (RM'bil)
↑5.7%*
Domestic operations
↑6.3%*
Dec-25
Mar-26
Dec-25
Mar-26
445.8
427.7
421.0
452.1
Gross impaired loans ratio
0.51%
Dec-25: 0.51%
Net ROE
12.0%
Dec-25: 12.8%
Cost-to-income ratio
35.5%
Dec-25: 34.9%
NIM
2.11%
Dec-25: 2.15%
Of which:
Q1 2025 Q1 2026 Q4 2025 Q1 2026
Customer deposits (RM'bil)
↑5.3%*
Domestic operations
Gross loan to fund and equity ratio
84.2%
Dec-25: 84.1%
Credit cost ratio
0.05%
Dec-25: 0.02%
Loan loss coverage ratio
147.0%
Dec-25: 149.9%
Total capital
ratio
16.4%
Dec-25: 16.6% π
Of which:
↑5.1%*
453.1
447.1
419.0
424.4
Dec-25 Mar-26
Dec-25 Mar-26
* Annualised growth
π After deducting interim dividends declared subsequent to end of year
Q1 2026
Financial Highlights
Resilient
performance with efficient cost management and superior asset quality
Income Statement | |||||
(RM'mil) | Q1 2025 | Q1 2026 | y-o-y | Q4 2025 | q-o-q |
Net interest / financing income* | 2,803.9 | 2,823.9 | 0.7% | 2,858.0 | -1.2% |
Non-interest / non-financing income* | 796.7 | 825.9 | 3.7% | 860.2 | -4.0% |
Net income | 3,600.6 | 3,649.8 | 1.4% | 3,718.2 | -1.8% |
Other operating expenses | (1,259.5) | (1,295.1) | 2.8% | (1,301.1) | -0.5% |
Operating profit | 2,341.1 | 2,354.7 | 0.6% | 2,417.1 | -2.6% |
(Loan loss allowance) / writeback of loan loss allowance | (39.0) | (52.1) | 33.5% | 17.1 | >100% |
Other allowance | (4.3) | (3.9) | -9.0% | (4.5) | -11.8% |
Share of profit after tax of equity accounted associated companies | 14.8 | 16.6 | 11.9% | 14.4 | 15.6% |
Profit before tax | 2,312.6 | 2,315.3 | 0.1% | 2,444.1 | -5.3% |
Net profit attrib. to shareholders | 1,745.3 | 1,751.8 | 0.4% | 1,876.3 | -6.6% |
Earnings per share (sen) | 9.04 | 9.07 | 0.3% | 9.72 | -6.7% |
* Include Islamic banking business
Profitability
Sustained top-line
growth amid
operating headwinds
2.26 2.18 2.21 2.15 2.21 2.19 2.24 2.21 2.19 2.18 2.10 2.12 2.11
Net Interest and Finance Income (RM'mil) Net Interest Margin (%)2,635
2,708
2,804
2,824
Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1
2023 | 2024 | 2025 | Q1 2026 | |
Year Average NIM | 2.20% | 2.21% | 2.15% | 2.11% |
Net Interest Income & Margin
Net interest / financing income grew 0.7%, while NIM declined amid intense market composition
(RM'mil) Composition | Q1 2025 | Q1 2026 | y-o-y | Q4 2025 | q-o-q |
Net fee and commission | 543.0 | 542.1 | -0.2% | 592.0 | -8.4% |
Of which: - Unit trust income 40% | 310.9 | 331.5 | 6.6% | 352.1 | -5.8% |
- Fee & commission income 21% | 185.9 | 173.6 | -6.6% | 205.6 | -15.6% |
- Stockbroking income 4% | 46.2 | 37.0 | -19.9% | 34.3 | 8.0% |
Net gains and losses on financial instruments 3% | 34.0 | 22.5 | -33.8% | 29.0 | -22.3% |
Other operating income | 126.4 | 147.6 | 16.7% | 140.9 | 4.7% |
Of which: - Foreign exchange income 12% | 95.0 | 98.5 | 3.7% | 111.8 | -11.9% |
- Others 6% | 31.4 | 49.1 | 56.2% | 29.1 | 68.2% |
Income from general insurance business 10% | 68.7 | 80.9 | 17.8% | 72.6 | 11.4% |
Non-interest income | 772.1 | 793.1 | 2.7% | 834.5 | -5.0% |
Islamic non-financing income 4% | 24.6 | 32.8 | 33.9% | 25.7 | 28.2% |
Total non-interest / non-financing income 100% | 796.7 | 825.9 | 3.7% | 860.2 | -4.0% |
Total non-interest income / Total income* | 22.1% | 22.6% | 23.1% | ||
* These ratios include non-financing income from Islamic banking business
Non-
Interest Income
Non-interest /
financing income increase by 3.7% y-o-y
Profit before tax by Operating Segments | ||||||
(RM'mil) | Composition | Q1 2025 | Q1 2026 | y-o-y | Q4 2025 | q-o-q |
Retail operations | 45% | 1,085.2 | 1,049.6 | -3.3% | 1,279.3 | -18.0% |
Hire purchase | 9% | 197.1 | 196.5 | -0.3% | 127.1 | 54.7% |
Fund management | 9% | 208.0 | 216.5 | 4.1% | 226.1 | -4.3% |
Corporate lending | 8% | 193.4 | 177.4 | -8.3% | 219.2 | -19.1% |
General Insurance | 4% | 91.8 | 92.9 | 1.2% | 85.4 | 8.8% |
Treasury operations | 3% | 44.3 | 71.3 | 61.1% | 84.3 | -15.5% |
Investment banking | 1% | 18.0 | 16.0 | -10.8% | 15.3 | 5.0% |
Others | 17% | 347.0 | 392.8 | 13.2% | 302.0 | 30.0% |
Overseas operations | 4% | 127.8 | 102.3 | -19.9% | 105.4 | -2.9% |
Profit before tax | 100% | 2,312.6 | 2,315.3 | 0.1% | 2,444.1 | -5.3% |
Segmental
Profit
Broad-based
earnings supported the Group's profit
Retail Operations | |||
(RM'mil) | Q1 2025 | Q1 2026 | y-o-y |
Net interest income | 1,551.0 | 1,509.9 | -2.7% |
Non-interest income | 216.3 | 229.4 | 6.1% |
Net income | 1,767.3 | 1,739.3 | -1.6% |
Other operating expenses | (668.0) | (650.9) | -2.6% |
Allowance for impairment on loans and other assets | (14.1) | (38.8) | >100% |
Profit before tax | 1,085.2 | 1,049.6 | -3.3% |
Loans & Deposit-taking (RM'bil) Gross Impaired Loans (RM'mil)
0.35% 0.30% 0.28%
327.2
326.5
320.2
298.0
293.8
276.1
964.4
892.2
848.1
2024 2025 Mar-26
Gross Loan Deposit2024 2025 Mar-26
Gross Impaired LoansGross Impaired Loans Ratio
Retail
Operations
Profit impacted
by lower net interest income and
higher loan loss
allowances
Hire Purchase | |||
(RM'mil) | Q1 2025 | Q1 2026 | y-o-y |
Net interest income | 299.2 | 303.4 | 1.4% |
Non-interest income | (0.1) | 0.1 | >100% |
Net income | 299.1 | 303.5 | 1.5% |
Other operating expenses | (79.5) | (93.0) | 16.9% |
Allowance for impairment on loans and other assets | (22.5) | (14.0) | -37.8% |
Profit before tax | 197.1 | 196.5 | -0.3% |
Corporate Lending | |||
(RM'mil) | Q1 2025 | Q1 2026 | y-o-y |
Net interest income | 146.2 | 135.1 | -7.6% |
Non-interest income | 6.7 | 7.0 | 4.4% |
Net income | 152.9 | 142.1 | -7.0% |
Other operating expenses | (6.1) | (6.6) | 9.3% |
Writeback of allowance for impairment on loans and other assets | 46.6 | 41.9 | -10.2% |
Profit before tax | 193.4 | 177.4 | -8.3% |
Gross Loans (RM'bil)
Gross Loans (RM'bil)
80.5
82.1
73.0
47.8
46.7
46.0
2024 2025 Mar-26
2024 2025 Mar-26
GIL ratio
Gross Impaired Loans (RM'mil)
199.7
190.5
162.5
0.22% 0.24% 0.24%
2024 2025 Mar-26
GIL ratio
Gross Impaired Loans (RM'mil)
0.84% 0.95% 0.96%
438.2
449.2
400.9
2024 2025 Mar-26
8
Hire
Purchase and Corporate Lending
Hire Purchase topline growth offset by higher other
operating expenses;
Corporate Lending
PBT impacted by lower net interest income and lower net writeback of loan loss
provisioning
79.7
* Excluding money market funds
Mar-26
2025
2024
Q1'26
Q1'25
Q1'24
NAV - Other Funds
NAV - Equity Funds
77.4
80.5
Retail Market
Share: 43.2%*
26.4
25.8
22.3
103.8
106.3
102.0
Net Asset Value of Funds Under Management (RM'bil)
Profit Before Tax (RM'mil)
Public Mutual Berhad
208.0
216.5
214.6
Annualised New Premium (ANP, RM'mil)
533.7
616.7
Q1
110.1
159.6
^
160.3
2024
2025
Q1'26
110.1
Wealth
Management
Public Mutual's
PBT recorded a growth of 4.1% y-o-y;
Bancassurance
business remained on positive growth
trajectory
Of which: Unit Trust Business
Of which: Bancassurance Business
(RM'mil) Composition | Q1 2025 | Q1 2026 | y-o-y | Q4 2025 | q-o-q |
Personnel costs 74% | 932.4 | 952.2 | 2.1% | 906.7 | 5.0% |
Establishment costs 17% | 208.8 | 223.3 | 7.0% | 262.9 | -15.1% |
Marketing expenses 3% | 29.6 | 39.8 | 34.5% | 40.5 | -1.6% |
Administration and general expenses 6% | 88.7 | 79.8 | -10.0% | 91.0 | -12.2% |
Total other operating expenses 100% | 1,259.5 | 1,295.1 | 2.8% | 1,301.1 | -0.5% |
Cost-to-income ratio
Total Other Operating Expenses (RM'mil)
Q1 2026
Q1 2025
Q1 2024
Q1 2023
Q1 2022
35.5%
35.0%
35.4%
33.1%
33.2%
Industry:
45.2%
1,043
1,094
1,198
1,259
1,295
Other
Operating Expenses
Prudent cost
management led to 35.5% cost-to-income ratio, more efficient than industry
average
Loans - Outstanding Balance and Market Share
17.7% 17.8% 17.8%
424.2
445.8
452.1
397.7
421.0
427.7
Group Loan (RM'bil) Domestic Loan (RM'bil)Domestic Loan Market
Share
2024 2025 Mar-26
Others,
<1%
Overseas
Operations,
5%
Corporate Lending, 10%
Loans - By SegmentMar-26
RM452.1 bil
Retail Operations,
Group Loan Growth | 6.3% | 5.1% | 5.7%* |
Domestic Loan Growth | 6.7% | 5.9% | 6.3%* |
Domestic Industry Average | 5.5% | 4.8% | 6.4%* |
Hire
Residential properties
Commercial properties
20.2% 20.1% 20.1%
32.0%
32.4% 32.5%
Of which, financing to Domestic SMEs
31.8%
Hire purchase
32.8%
33.1%
↑4.4%*
Industry:
4.5%*
↑9.5%*
Industry:
8.0%*
↑8.4%*
Industry:
4.7%*
95.9
82.1
2024
2025 Mar-26
2024
2025
Mar-26
Domestic Loan (RM'bil)
Market Share
86.9
93.7
170.4
182.3
180.3
73.0
80.5
Gross Loan in Domestic Operations
Purchase, 18%
66%
18.0% 18.8% 19.0% Industry: ↑11.2%* 5.4%* 72.0 79.6 81.8 | |||||||
2024 | 2025 | Mar-26 | 2024 | 2025 | Mar-26 | ||
Loan
Growth
Loan expansion
in line with industry growth, with notable strength in SME financing and
hire purchase
0.5% Residential properties
Domestic Operations
Transport vehicles
0.5%
0.3% 0.3% 0.3%
Industry:
1.10%
0.2% 0.2% 0.2%
Industry:
0.61%
521
2019
2024
2025 Mar-26
2019
0.3%
0.7%
0.6% 0.6%
Industry:
1.47%
2024
SME
0.9%
2025
Mar-26
Commercial properties
0.4%
Industry:
3.57%
663
0.8%
665
0.8%
659
2019
2024
2025 Mar-26
2019
2024
2025 Mar-26
270
225
603
606
591
162
191
200
234
544
563
617
Group Gross Impaired Loans
1,605
2,225
0.5%
0.5%
0.5% 0.5%
Industry:
1.51%
0.4%
0.4%
Industry:
0.4%
1.40%
0.4%
2019 2024 2025 Mar-26
2,315
2,285
Pre-pandemic:
Of which:
Gross Impaired Loans (RM'mil) Group Gross Impaired Loans Ratio (%) Domestic Impaired Loans Ratio (%)Loan loss coverage (include regulatory reserve)
Loan loss coverage
0.0001%
63.4
0.02%
0.05%
39.0 34.1
52.1
-1.3 -20.5 -41.1
10.8
-17.1
2024
2025
2026
Credit cost ratio Loan impairment
allowances
(RM'mil)
237.7% 248.7% 251.2
166.2% 149.9% 147.0%
Q1 Q2 Q3 Q4Ageing analysis of total domestic loans
% Ageing Profile of Past Due Loan / Financing | ||||
Pre-pandemic | At present | |||
2018 | 2019 | 2025 | Mar-26 | |
1 mth to <2 mths | 2.6% | 2.2% | 1.3% | 1.4% |
2 mths to <3 mths | 1.0% | 1.0% | 0.2% | 0.2% |
>3 mths | 0.4% | 0.4% | 0.4% | 0.3% |
Total >1 mth | 4.0% | 3.6% | 1.8% | 2.0% |
Industry: 83.0%
Asset
Quality
Broadly stable
asset quality with a domestic IL ratio of 0.4%;
Loan loss coverage ratio at 147.0% reflecting prudent provision
buffer
Deposit - Outstanding Balance and Market Share
16.5% 16.4% 16.5%
403.5
419.0
424.4
433.3 447.1 453.1
Group Deposit (RM'bil)
Money Market Deposit and Others, 15%
Deposit - By TypeMar-26 RM453.1 bil
Fixed Deposit, 57%
Domestic Deposit (RM'bil)Domestic Deposit Market
Demand Deposit, 17%
Savings Deposit, 11%
Share
Total Deposit in Domestic Operations
Group Deposit Growth | 4.9% | 3.2% | 5.3%* |
Domestic Deposit Growth | 4.8% | 3.8% | 5.1%* |
Domestic Industry Average~ | 3.3% | 4.5% | 4.1%* |
88.8 | 120.3 | 125.3 | 125.9 | ||||
2019 | 2024 | 2025 | Mar-26 |
2024 2025 Mar-26
Group CASA ratio
25.1%
27.8%
28.0% 27.8%
Pre-pandemic:
↓0.2%^
-0.7%^
15.6% 16.0%
↑5.9%*
12.2%
233.2
Industry:
10.5%*
Industry:
8.8%*
237.9
71.7
18.4% 18.4%
16.7%
Industry:
Money Market Deposit and Others
11.8%
Demand Deposit
18.2%
Fixed Deposit
11.5%
Mar-26
2024
45.0
2025 Mar-26
58.7
44.0
67.5
2024
2024
239.2
Mar-26
2025
2025
↑22.0%*
2025 Mar-26
64.9
Domestic Deposit Market Share
18.8% 18.7% 18.8%
44.4
68.5
71.8
2024
Savings Deposit
8.9%
↑2.2%* Industry:
Deposit
Growth
Continuous
deposit growth led mainly by core deposits and money
market deposits
Capital Adequacy
17.0%
Industry
Total capital: 17.6%
16.6%
16.4%
Industry
Tier I: 14.7%
14.2%
13.9%
349.6
368.7
13.7%
372.9
Industry
CET I: 14.1%
313.7
333.8
Liquidity Risk Indicators
Industry
LTF: 82.6%
Industry
LTFE: 71.9%
17.6% | 17.6% |
14.6% | 14.7% |
14.6% | 14.7% |
95.6% 95.3%
91.4% 92.9% 94.3%
14.2%
13.9%
13.7%
81.1% 82.0% 83.1% 84.1% 84.2%
2022 2023 2024 2025 Mar-26
Gross Loan to Fund RatioGross Loan to Fund and Equity Ratio
2022 2023 2024 2025 Mar-26
* 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,
7.5%
which was effective on 31 Jan 2021
Tier I Capital Total Capital---------------------------
---------------------------
9.0%
11.0%
Note: PBB did not opt for the BNM transitional arrangement on capital relief
Capital &
Liquidity Position
Healthy capital
and liquidity
positions
>21,000
Staff
2024 | 2025 | Mar-26 | |
Malaysian Operations | |||
Public Bank - Domestic - Overseas | 260 3 | 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^ | 22^ |
Hong Kong & China Operations | |||
Public Finance | 40 | 40 | 40 |
Public Bank (HK) - Hong Kong - China | 30 5 | 29 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 | 4 |
472 | 471 | 471 |
Self Service Terminals
MyPB Internet / Mobile Banking PB enterprise Internet / Mobile Banking^ LPI Capital Berhad's physical distribution channel includes 21 Lonpac branches across Malaysia and 1 in Singapore
Business Delivery Channel
Strategic Direction
RM'mil | 2019 | 2022 | 2023 | 2024 | 2025 | Mar-26 | |
Operating profit | 7,283 | 9,203 | 8,678 | 9,183 | 9,566 | 2,355 | |
Profitability | Profit before tax | 7,134 | 8,831 | 8,539 | 8,932 | 9,543 | 2,315 |
Net profit | 5,512 | 6,119 | 6,649 | 7,147 | 7,224 | 1,752 | |
Earnings per share (sen) | 28.39 | 31.53 | 34.26 | 36.84 | 37.41 | 9.07 | |
Shareholder | Net assets per share (RM) | 2.25 | 2.59 | 2.82 | 2.97 | 3.10 | 3.06 |
Value | Dividend per share (sen) | 14.6 | 17.0 | 19.0 | 21.0 | 22.5 | N/A |
Dividend payout ratio (%) | 51.4 | 53.9 | 55.5 | 57.0 | 60.5 | N/A | |
Total assets | 432,831 | 493,263 | 510,598 | 543,310 | 561,651 | 570,313 | |
Gross loan | 330,468 | 376,892 | 398,997 | 424,171 | 445,758 | 452,116 | |
Domestic loan | 307,164 | 352,065 | 372,697 | 397,656 | 421,024 | 427,700 | |
Deposit from customers | 353,340 | 394,719 | 412,897 | 433,264 | 447,114 | 453,075 | |
Key Balance Sheet Data | Domestic deposit Core customer deposit Shareholders' equity | 325,199 294,646 43,594 | 367,144 335,570 50,179 | 384,918 342,033 54,674 | 403,481 374,500 57,335 | 419,011 382,169 59,938 | 424,373 384,556 59,138 |
Common equity Tier I capitalπ | 37,406 | 45,648 | 48,911 | 49,552 | 51,229 | 51,180 | |
Tier I capitalπ | 37,564 | 45,806 | 48,971 | 49,612 | 51,284 | 51,234 | |
Total capitalπ | 46,571 | 55,256 | 58,624 | 59,394 | 61,246 | 61,261 | |
Risk-weighted assets | 277,906 | 313,678 | 333,774 | 349,571 | 368,715 | 372,870 |
π After deducting dividends declared subsequent to end of year
Appendix
% | 2019 | 2022 | 2023 | 2024 | 2025 | Mar-26 | Industryb | |
Net interest margin on yielding assets | 2.15 | 2.39 | 2.20 | 2.21 | 2.15 | 2.11 | N/A | |
Net return on equity+ | 13.6 | 12.8 | 13.0 | 13.2 | 12.8 | 12.0 | N/A | |
Profitability | Pre-tax return on average assets | 1.7 | 1.8 | 1.7 | 1.7 | 1.7 | 1.6 | 1.5 |
Ratios | Cost to income ratio | 34.4 | 31.5 | 33.7 | 34.5 | 34.9 | 35.5 | 45.2 |
Non interest income/Total income* | 22.7 | 18.5 | 19.6 | 21.0 | 23.1 | 22.6 | 37.7 | |
Gross loan to fund ratio~ | 88.9 | 91.4 | 92.9 | 94.3 | 95.6 | 95.3 | 82.6α | |
Liquidity | Gross loan to fund and equity ratio~ | 79.2 | 81.1 | 82.0 | 83.1 | 84.1 | 84.2 | 71.9α# |
Gross impaired loans ratio | 0.49 | 0.42 | 0.59 | 0.52 | 0.51 | |||
Asset Quality | Loan loss coverage ratio | 124.1 | 272.0 | 181.8 | 166.2 | 149.9 | ||
Credit cost ratio | 0.05 | 0.10 | 0.04 | 0.00 | 0.02 | |||
Common equity Tier I capital ratioπ | 13.5 | 14.6 | 14.7 | 14.2 | 13.9 | 13.7 | 14.1 | |
Capital | Tier I capital ratioπ | 13.5 | 14.6 | 14.7 | 14.2 | 13.9 | 13.7 | 14.7 |
Adequacy | Total capital ratioπ | 16.8 | 17.6 | 17.6 | 17.0 | 16.6 | 16.4 | 17.6 |
Domestic market share | ||||||||
Commercial property financing | 35.0 | 33.4 | 32.6 | 32.0 | 32.4 | 32.5 | N/A | |
Residential property financing | 19.9 | 20.6 | 20.4 | 20.2 | 20.1 | 20.1 | N/A | |
Market Share | Passenger vehicle financing | 29.4 | 30.2 | 30.5 | 31.8 | 32.8 | 33.1 | N/A |
Domestic loans | 17.3 | 17.4 | 17.5 | 17.7 | 17.8 | 17.8 | N/A | |
Domestic deposits | 16.5 | 16.3 | 16.3 | 16.5 | 16.4 | 16.5 | N/A | |
Retail private unit trustδ | 51.1 | 45.1 | 46.3 | 44.8 | 43.6 | 43.2 | N/A |
0.51 | 1.40 |
147.0 | 83.0 |
0.05 | 0.17ˇ |
+ Based on average equity adjusted with proposed dividend, if any
~ Gross loans exclude loans/financing sold to Cagamas. Funds include deposits from customers, structured deposits and debt securities issued and other borrowed funds
α 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
b Based on latest available industry statistics
ˇ Average of the top 8 local banks as at Dec'25
* Include non-financing income from Islamic banking business
Appendix
Investor Relations Contact Ms. Chang Siew Yen
Deputy Chief Executive Officer
+(603) 2176 7461
changsiewyen@publicbank.com.my
Ms. Yik Sook LingChief Financial Officer
+(603) 2176 6186
yiksookling@publicbank.com.my
Mr. Chong Soo LoongGeneral Manager, Corporate Planning, Economics & Sustainability Management
+(603) 2177 3152
chongsooloong@publicbank.com.my
Head Office Menara Public Bank 146, Jalan Ampang50450 Kuala Lumpur
Website: https://www.publicbankgroup.com
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.
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