Investor Presentation - Public Bank | PBeBank.com

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Promising Prospect for 201146Continue in Achieving Organic Growth While Sustaining Our Premier Status in the Local BankingIndustryCore business focus: Consumer Lending & Lending to SMEsLending Business• Consumer lending to focus on purchases of propertiesand passenger vehicles• Penetrate mid-market SMEs & micro enterprises inencourage sectors• Expanding credit card financing & corporate lendingDeposit-Taking Business• Securing higher retail and low cost deposits• Sustaining existing pool of depositsMaintain earning growthmomentum• Continued quality loans growth atabove industry growth rate• Further expand depositor base• Further improve productivity andoperational efficiency• Continued organic expansion ofoverseas businessBuild on existing strength• Strong brand & market position• Healthy capital and asset quality• Proactive capital management toensure healthy level of capitalwhile maintaining high returns toshareholdersPrudence• Continue to remain prudent anduphold its strong corporategovernance and risk managementpolicies• Sustainable low impaired loansleveraging on PBB’s prudentlending policy• Maintain strong liquidityInvestor Presentation
Market Capitalisation and Analysts’ Poll47Strong market capitalisation6013.0213.44145011.0011.3012408.85103020103.645.6618.77.1024.36.5522.27.7526.938.831.239.945.9 47.5864211.002002 2003 2004 2005 2006 2007 2008 2009 2010 Jul-110Market capitalisation (RM'bil)Share price (Local) (RM)Investor 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 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: Capital ManagementRM’milTier I Ca
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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