About Us
Established in 1966 by its Founder and Chairman, Tan Sri Dato’ Sri Dr. Teh Hong Piow, Public Bank is a leading provider of financial services in Malaysia with banking operations in Hong Kong and China, Cambodia, Vietnam, Laos and Sri Lanka. In Malaysia, Public Bank is one of the most efficient banks as reflected by its low cost to income ratio.

Public Bank is a top-tier bank in Malaysia, well-reputed for its prudent management, superior customer service, uncompromising service delivery standards and strong corporate governance and corporate culture. Public Bank remains untouched by the global financial crisis which wrecked havoc in major financial centres around the world.

Over the years, the Public Bank Group has been part of the strong catalysts to support Malaysia’s economic development. Since its early days, Public Bank has transformed into a strong and successful financial institution, offering a wide range of competitive and innovative products and solutions to meet its customers’ needs.

In Malaysia, Public Bank is an industry leader in home mortgage financing, vehicle hire purchase financing and commercial lending to small- and medium-sized enterprises. Also, in Malaysia, the Public Bank Group has the highest market share for the private sector unit trust business. In Hong Kong, the Group is an industry leader in personal consumer financing.

Public Bank is the most recognised brand in the Malaysian financial services industry for its strong brand promise. In terms of size, it is the third largest domestic bank in Malaysia by market capitalisation and balance sheet.

The Public Bank Group has over 17,160 staff, with 90% of the staff in Malaysia and the rest in its overseas operations in Hong Kong and China, Cambodia, Vietnam, Laos and Sri Lanka.

Our Core Businesses
The Public Bank Group is very focused on its core businesses of providing a wide range of banking and financial services including retail commercial banking, corporate banking, investment banking, stock broking, funds management, wealth management services and Islamic banking.

Public Bank is a market leader with a strong and profitable franchise in consumer banking and retail commercial lending to mid-market small- and medium-sized enterprises in Malaysia. The Bank’s market share for loans has doubled since 2001. The Public Bank Group has a strong franchise in deposit-taking business in Malaysia and in its overseas operations. Similar to that of loans, Public Bank’s market share for core customer deposits had increased significantly over the years.

In terms of scale, the Public Bank Group has a large customer base with extensive points of access in Malaysia and in the region.

Strong Financial Ratings
Public Bank continues to be accorded with strong credit and financial ratings due to its strong capitalisation, strong asset quality, consistently profitable financial performance and strong risk management.

Moody’s Investor Service reaffirmed Public Bank’s long-term deposit rating of A3 and short-term deposit rating of P-1 with stable outlook. Standard & Poor’s Rating Agency also reaffirmed Public Bank’s A- long-term rating and A-2 short-term counterparty credit rating with stable outlook. Rating Agency Malaysia reaffirmed Public Bank’s long-term rating of AAA, the highest accorded by Rating Agency Malaysia, and its short-term rating of P1.

Best Retail Bank in Asia Pacific
The Public Bank Group’s profile has been boosted significantly in 2009 when it was voted as the Best Retail Bank in Asia Pacific by the Asian Banker based on several criteria such as superior core deposit collection capabilities, value of its franchise, excellent financial performance, sustainability of its balance sheet and risk management. Public Bank won this award, outperforming not only national competitors but also regional peers.

Delivery Channels
The Public Bank Group further expanded its delivery channels in 2009 to better serve its large customer base of individuals and business enterprises in Malaysia. With 6 new branches established in selected growth areas in Malaysia in 2009, the number of Public Bank branches in Malaysia has expanded to 248 branches.

For its domestic operations, Public Bank has put in place 1,308 ATMs and other self-service machines such as Cheque Deposit Machines and Cash Deposit Terminals. The Group also has expanded its Internet banking and mobile banking services for greater access by customers to its banking services.

Continued Expansion in the Region
The PB Brand continues to gain strength in the region. The Public Bank Group’s regional network has been expanded to 109 branches, up from 70 branches in 2006. Specifically, in Hong Kong, the Public Bank Group has 30 Public Bank (HK) branches, 42 Public Finance branches and 8 Winton Financial Limited branches. In China, the Group has already opened 3 branches. In Cambodia and Vietnam, the Group has established 15 branches and 7 branches, respectively. In Laos and Sri Lanka, Public Bank has 3 branches and 1 branch, respectively.

Similar to the domestic operations, the Group’s key delivery channels such as ATMs and self-service machines in its overseas operations were further expanded for greater customer convenience.

Corporate Responsibility
As a responsible corporate citizen, the Public Bank Group remains committed to the fulfilment of its corporate social responsibilities. The Group is confident that its corporate social responsibility programmes in key areas such as education, environmental conservation and support to the needy will not only enhance the quality of life of the affected population but also further boost its corporate image, goodwill and brand.

The Public Bank Group’s corporate responsibility initiatives to improve the work place and enhance the welfare of the staff will continue to motivate staff to improve their contribution, productivity and efficiency. The Group acknowledges the commitment and willingness of its staff to sustain its strong organic business growth and further improve on the Group’s renowned customer service and delivery standards.

Awards and Accolades
For its solid and consistent financial performance, prudent management and strong management capabilities, Public Bank continues to be recognised with awards of banking excellence. In 2009, Public Bank was honoured with 54 awards and accolades, including many repeat best bank awards in Malaysia and in the region by international and highly reputable finance and banking publications.

Tan Sri Dato’ Sri Dr. Teh Hong Piow, the Founder and Chairman of Public Bank, continues to be honoured for his astute leadership and immense contributions to the Public Bank Group and the banking industry in Malaysia and in the region.

Our Commitment
Despite its success, the Public Bank Group will never rest on its laurels. In the present challenging economic environment, the Public Bank Group will continue to strive harder and commit more resources to del iver the best to its stakeholders.

To its customers, the Public Bank Group will continue to provide effective and competitive financial products and solutions. To its shareholders and investors, the Group will continue to enhance shareholder value through consistent financial performance, prudent management and good corporate governance. To its staff, the Group will continue to invest in human capital development and empower and engage them to deliver superior performance.