Investor Presentation - Public Bank | PBeBank.com

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2.52.01.51.00.50.0180.00160.00140.00120.00100.0080.0060.0040.0020.00-Asset Quality Remained Strong32Improving gross impaired loans ratios with high loan loss reserves%119.5159.7120.3^143.5169.7• Despite more stringent criteria onclassification of impaired loans due to FRS139 adoption with effect from 2010, thegross impaired loans ratio remained lowat 1.0% with an increased loan lossreserve of 169.7%1.41.4^1.1 1.01.0 1.0 0.9 0.8• Based on old GP3 classification of 3months NPL, NPL ratio would haveimproved further to 0.8% from 0.9% as atDecember 20102007 2008 2009 2010 Jun 2011Gross impaired loan ratio - FRS139Gross impaired loan ratio - Old GP3Loan loss coverage^ Restated due to the adoption of FRS 139Investor Presentation
Asset Quality Remained StrongGross Impaired Loans by SegmentRM’ mil1,2811,251^1,109Stable domestic impairedloans trend despite growingloan baseOverseas impaired loansshowing improvementsince 2010Gross Impaired Loans & Gross Impaired Loans Ratio byKey SectorsSMEHousing LoansHire PurchaseRM’ mil2009 (%) 2010 (%) Jun 2011 (%)1.8^ 1.81.1^1.11.31.00.5 0.5 0.533500455^467455400^371171193141233128130131106^113139605320^ 137199145 178HirepurchaseRetail Corporate Hong Kong Cambodia Others2009^ 2010 Jun 2011Housing LoansHire Purchase(includingoverseas)SME2009^ 2010 Jun 2011^ Restated due to the adoption of FRS 139Investor 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 and 30: Robust Financial PositionTotal asse
Page 31: Consistently Above-industry Loan Gr
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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