Investor Presentation - Public Bank | PBeBank.com

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Retail Operations38RM’mil1H 2011 1H 2010 ChangeNet Income 2,051.2 1,754.3 16.9%Operating Expenses (640.3) (612.2) 4.6%Allowances for impairment ofloans and other assets(118.0) (147.0) -19.7%Profit by segment 1,292.9 995.1 29.9%Gross Loans and Advances(RM’ bil)Jun 2011 Dec 2010 Change98.4 91.3 7.7%• Improved profit and businessperformance of the retailoperations segment were mainlydriven by strong growth in thelending and deposit-takingbusinesses coupled with highersales volume from the retailfinancial services• Asset quality further improvedwith gross impaired loans ratiodeclining to 1.1%Customer Deposits (RM’ bil) 125.8 119.1 5.6%Gross Impaired Loans (RM’ bil) 1.1 1.3 -13.5%Gross Impaired Loans Ratio 1.1% 1.4% -0.3%Investor Presentation
Retail Operations39Gross loan & financing in Domestic OperationsRM’ bil34.941.444.924.730.933.7Demand for retail loansremain resilientOf which, financingto Domestic SMEs22.526.028.36.47.37.7Residential properties Commercial properties Personal loans SME2009 2010 1H 2011Key Drivers in Domestic Retail Banking & Financing OperationsResidential properties financing:• Attractive loan package under the HOME and MORE plans• Strong sales force and marketing networkSME:• Comprehensive SWIFT loan plans and full range oftrade financing facilities offered• Support government initiated financing schemesPersonal loans:• Mainly driven by Public Islamic Bank with its Bai’-Al-Einah (BAE) Personal Financing-i offered to staff ofgovernment agencies, quasi governmentcorporations, institutions of higher learning and GLCsInvestor 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 and 34: Asset Quality Remained StrongGross
Page 35 and 36: Healthy Domestic Deposit Growth in
Page 37: 75.0%65.0%55.0%45.0%35.0%25.0%15.0%
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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