Investor Presentation - Public Bank | PBeBank.com

More documents

Recommendations

Info

Interest Income & Margins - Stable and sustainable growthNet Interest Income and margin%3.2 3.22.4 2.43.33.32.5 2.53.1 3.13.22.4 2.4 2.43.4 3.42.5 2.5Net Int Margin (Exclude funds from MMD and NIDs Issued)Net Int MarginRM’ mil1,2791,334 1,3671,3911,3951,4641,2601,017 1,047 1,099 1,117 1,100 1,144 1,1923.53.43.32.7 2.7 2.73.22.63.32.7• NIM for Q2 2011 remained stableas compared to the precedingquarter• Despite the interest marginsqueeze, sterling growth in netinterest and finance income dueto strong loan and depositgrowths and healthy liquidityposition of the Group. This ispredominantly driven by theGroup’s strong fundamentals andcommitment in expanding itsloan and deposit base• Net interest margin to continueto be under pressure24Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q220082009 20102011Investor Presentation
Non-Interest Income – Steady build up2555025.0%50021.2% 20.8%21.6% 21.8%21.0%21.7%450RM’ mil400350 339.6350.8378.4391.1371.6+9.4%406.620.0%15.0%30010.0%2505.0%200150Q1 2010 Q2 2010 Q3 2010 Q4 2010 Q1 2011 Q2 20110.0%Non-interest incomeNon-interest income / Total incomeInvestor 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 and 22: Dividend Track Record• Paid divid
Page 23: Contribution to Revenue & Pre-tax P
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

You also want an ePaper? Increase the reach of your titles

Delete template?

Save as template?