Investor Presentation - Public Bank | PBeBank.com

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Sustaining Strong Asset Quality34• Focus on lower risk customer segments− Traditional urban/ suburban mortgages− Passenger vehicle hire purchase− Middle market business enterprises• Sound credit appraisal and approval process• Strong credit risk culture• Proactive loan restructuring and reschedulingInvestor Presentation
Healthy Domestic Deposit Growth in Support of LiquidityDeposit Growth vs Industry%28.3%28.0Core Deposit Growth14.815.0Above-industrygrowth in domesticcore deposits3520.012.712.513.017.520.911.513.014.812.910.711.911.79.37.312.37.36.7Customer Deposit CAGR(2007 – 1H 2011) – 12.2%4.33.52007 2008 2009 2010 1H 2011Group Deposit GrowthDomestic Deposit GrowthDomestic Industry Average2009 2010 1H 2011Group Core Deposit GrowthDomestic Core Deposit GrowthDomestic Industry AverageNote: Industry average growth is based on annualised loan growth as of June2011Growth rate for 1H 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 and 30: Robust Financial PositionTotal asse
Page 31 and 32: Consistently Above-industry Loan Gr
Page 33: Asset Quality Remained StrongGross
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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