Investor Presentation - Public Bank | PBeBank.com

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Strong Liquidity With Healthy Loan/Deposit RatioNet Loan Deposit Ratio%78.8 78.379.287.1 87.3LD ratio• Net loan deposit ratio remained stable and healthy at87.3%• Loan growth continues to be supported through theGroup’s retail and hire purchase segment whilst retaildeposits remain the main contributor to the depositgrowth of the Group with >66% contribution302007 2008 2009 2010 1H 2011Gross Loan Composition by SegmentRM’ bil2009 2010 1H 201198.4Deposit Composition by SegmentRM’ bil125.82009 2010 1H 201135.520.110.91.7 0.646.12.511.02.3 0.6RetailHirepurchaseCorporateHongKongCambodiaOthersRetail Treasury InvbankingHong Kong CambodiaOthersInvestor Presentation
Consistently Above-industry Loan Growth31Loan Growth vs IndustryGross Loans and Domestic Loan Market Share%RM’ mil20.219.019.017.0 16.513.014.08.98.115.613.813.314.514.613.614.4%101,41514.8%120,66915.9%137,61016.3% 16.3%156,544167,150Gross Loan CAGR (2007 – 1H 2011) –16.1%2007 2008 2009 2010 1H 20112007 2008 2009 2010 1H 2011Group Loan GrowthDomestic Industry AverageDomestic Loan GrowthGross Loans OutstandingDomestic Loans Market Share (%)Note: Industry average growth is based on annualised loan growth as of June 2011Growth rate for June 2011 represent annualised growth for the periodInvestor 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 and 24: Contribution to Revenue & Pre-tax P
Page 25 and 26: Non-Interest Income - Steady build
Page 27 and 28: Efficient Operating Overheads27Oper
Page 29: Robust Financial PositionTotal asse
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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