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Investor Presentation - Public Bank | PBeBank.com

Investor Presentation - Public Bank | PBeBank.com

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75.0%65.0%55.0%45.0%35.0%25.0%15.0%5.0%11.010.09.08.07.06.05.04.03.0Continued High Productivity & Cost Efficiency37Productivity and Cost EfficiencyRM’ milImproved productivityacross the variousindicators10.8PBT per employeeRM’ 000259^8.89.49.910.29.09.6210197* 1932358.07.57.133.1% 32.3%* 32.6%30.7% 30.0%2007 2008 2009 2010 1H 2011Cost in<strong>com</strong>e ratio (%)Gross loan per employeeDeposit per employee* Exclude one-off goodwill in<strong>com</strong>e from ING<strong>Investor</strong> <strong>Presentation</strong>2007 2008 2009 2010 1H 2011PBT per employee (RM'000)* Exclude one-off goodwill in<strong>com</strong>e from INGGross loan per employee(RM mil)Deposit per employee(RM mil)PBT per employee(RM’000)1H 2011 2010IndustryAverage9.6 9.0 7.310.8 10.2 9.5259^ 235 189Cost In<strong>com</strong>e Ratio (%) 30.0 30.7 46.7^ Annualised

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