Investor Presentation - Public Bank | PBeBank.com
Investor Presentation - Public Bank | PBeBank.com
Investor Presentation - Public Bank | PBeBank.com
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Earnings Performance17RM’milNet interest & Islamic <strong>Bank</strong>ingin<strong>com</strong>eQ2 2011 Q1 2011 Change1,471.2 1,401.1 5.0%1H 2011 1H 2010 Change2,872.3 2,602.510.4%Non-interest in<strong>com</strong>e 406.6 371.6 9.4%778.2 690.412.7%Operating expenses 552.8 538.6 2.6%1,091.4 1,076.51.4%Operating profit 1,325.0 1,234.1 7.4%2,559.1 2,216.415.5%Loan impairment allowances 164.3 140.2 17.2%304.5 314.5-3.2%Pre-tax profit 1,162.5 1,097.9 5.9%2,260.4 1,904.618.7%Net profit 880.4 827.6 6.4%1,708.0 1,419.320.3%In<strong>com</strong>e:• Strong growth in net interestand Islamic <strong>Bank</strong>ing in<strong>com</strong>e andnon-interest in<strong>com</strong>eExpenses:• Increase in operatingexpenses at a rate lower thanincrease in in<strong>com</strong>eAllowance:• Lower loan impairmentallowances in 1H 2011despite strong loan growth<strong>Investor</strong> <strong>Presentation</strong>