Investor Presentation - Public Bank | PBeBank.com

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Pre-tax Profit by Business SegmentRM’mil1H 2011 1H 2010 ChangeRetail operations 1,292.9 995.1 29.9%Hire purchase 308.1 331.0 -6.9%Corporate lending 113.1 121.1 -6.6%Treasury & capital market operations 87.7 107.1 -18.1%Fund management 161.6 129.9 24.4%Overseas operationsOf which : Public Financial Holdings: Cambodian Public Bank149.099.240.7154.9111.033.4-3.8%-10.7%21.9%Investment banking 25.1 23.6 6.5%Others* 122.9 41.9 >100.0%• Strong double digit growth inretail operations, contributing>57% of the Group’s pre-taxprofit• Supported by favourable 10.4%rise in net interest and IslamicBanking income and 12.7%improvement in non-interestincome for the period, coupledwith stable credit charge• Pre-tax profit of overseasoperations weighed down dueto pressure from interest marginsqueeze and foreign exchangeimpact due to strengthening ofRM against USD22Total 2,260.4 1,904.6 18.7%* Others comprise mainly of domestic head office, other miscellaneous domestic segment and domestic share ofprofit after tax of equity accounted associated companies.Note: Profit contribution by segments are based on pre-tax profit including share of results of associated companies.Investor Presentation
Contribution to Revenue & Pre-tax Profit – by Business23Revenue ContributionPre-tax Profit ContributionOverseasoperationsFund 7.9%management7.2%Others2.4%Hirepurchase17.2%OverseasFund operationsmanagement 6.6%7.2%Others5.4%Hire purchase13.6%Investmentbanking1.6%Treasury andcapitalmarketoperations11.0%Corporatelending6.5%Retailoperations46.2%Investmentbanking1.1%Treasury andcapital marketoperations3.9%Corporatelending5.0%Retailoperations57.2%Based on financial results as of 30 June 2011• Retail operations and hire purchase segment continue to be the major contributor to revenueand profits of the GroupInvestor Presentation
Page 6: Introduction to Public Bank Group6
Page 12: 16001400120010008006004002000807570
Page 15 and 16: Taking the lead in what we do - Cle
Page 17 and 18: Earnings Performance17RM’milNet i
Page 19 and 20: 4,3003,8003,3002,8002,3001,8001,300
Page 21: Dividend Track Record• Paid divid
Page 25 and 26: Non-Interest Income - Steady build
Page 27 and 28: Efficient Operating Overheads27Oper
Page 29 and 30: Robust Financial PositionTotal asse
Page 31 and 32: Consistently Above-industry Loan Gr
Page 33 and 34: Asset Quality Remained StrongGross
Page 35 and 36: Healthy Domestic Deposit Growth in
Page 37 and 38: 75.0%65.0%55.0%45.0%35.0%25.0%15.0%
Page 39 and 40: Retail Operations39Gross loan & fin
Page 41 and 42: Hire Purchase41RM’mil1H 2011 1H 2
Page 43 and 44: Wealth Management43Net Asset Value
Page 45 and 46: Capital ManagementRM’milTier I Ca
Page 47 and 48: Market Capitalisation and Analysts
Page 49 and 50: Market Capitalisation and Analysts
Page 51 and 52: Summary51• Profitable retail fran

Investor Presentation - Public Bank | PBeBank.com

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