WHO WE ARE
Founded in 1966 by Tan Sri Dato’ Sri Dr. Teh Hong Piow, Public Bank is known for its prudent management, strong profitability, stable leadership, strong asset quality, healthy capitalisation and service excellence. A top-tier bank in Malaysia, Public Bank has the best overall financials among local banks. The fact that Public Bank is untouched by the US subprime crisis demonstrates its adherence to its prudent management and strong risk management.

With a healthy balance sheet, Public Bank is the largest domestic bank in Malaysia by market capitalisation and the third largest by balance sheet. The Public Bank Group employs close to 16,000 people – up from 14,000 in 2007 – with about 90% of the staff in Malaysia and the remaining spread across Hong Kong and the People’s Republic of China, Cambodia, Vietnam, Laos and Sri Lanka. In Cambodia, Cambodian Public Bank Plc is the largest commercial bank in the country both in terms of balance sheet size and in its lending business.

STRONG FINANCIAL RATINGS
For its consistently strong financial performance, superior asset quality, healthy capitalisation and prudent management, the Public Bank Group continues to be accorded strong financial ratings. In November 2008, Moody’s Investor Service reaffirmed Public Bank’s long-term deposit rating of A3, and short-term deposit rating of P-1. Standard & Poor’s Rating Agency reaffirmed Public Bank A- long-term rating and A-2 short-term counterparty credit rating with stable outlook in May 2008. Also in September 2008, 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.

OUR CORE BUSINESSES
A leading provider of integrated financial services, the Public Bank Group offers a wide range of financial products and services such as commercial banking, investment banking, wealth management products and Islamic banking services. The Public Bank Group is an industry leader in home mortgage financing, hire purchase financing and commercial lending to SMEs in Malaysia.

The Public Bank Group also offers a wider range of wealth management products through Public Mutual – a wholly-owned subsidiary of Public Bank – and through the long-term strategic alliance with the ING Group to distribute bancassurance products. Public Mutual is a dominant player in the fund management industry in Malaysia with a leading market share due to its superior funds performance, strong distribution capabilities and a strong brand.

FOCUSED BUSINESS STRATEGY
The Public Bank Group is very focused on growing its market share in its retail lending and deposit-taking businesses in the domestic and overseas markets, while maintaining its prudent risk management and strong asset quality. The effectiveness of the Group’s business strategy rests with its proven ability to effectively execute its core business strategies and build a strong capability and capacity to innovate and offer a wide range of competitive financial packages to its increasingly demanding customers.

Backed by its effective delivery channels and competitive product packages, the Public Bank Group has able to sustain accelerated business growth at a significantly faster pace than the industry’s growth without compromising on its asset quality. In the last seven years, the Group’s total loans and advances and core customer deposits had been growing at a compounded annual rate of 21% and 16%, respectively.

CORPORATE REPUTATION
Public Bank has been repeatedly voted the best managed company in Malaysia by investors and analysts across the Asian region. In particular, Public Bank is often rated highly in categories such as strong corporate governance, best investor relations and most committed company to strong dividend policy. In a survey of 200 most admired companies in Malaysia in 2008, Public Bank was ranked highly for its long-term vision, financial soundness and corporate reputation.

THE PB BRAND
The Public Bank Group continues to reinforce its strong PB Brand based on the key attributes of integrity, reliability and service excellence. Also, underpinning the PB Brand is excellence in corporate governance, prudent management, strong corporate image and competitive products and services.

To continue to reinforce the PB Brand, Public Bank has taken further initiatives to train its staff to be Public Bank’s Service Ambassadors. The staff force have been trained to be more than courteous, knowledgeable and innovative but also caring in order to ensure delightful customer experience at Public Bank. The Public Bank Group has also taken major initiatives to further build and create greater awareness of the PB Brand in Hong Kong and in Indochina.

DELIVERY CHANNELS
To expand its business and provide greater customer convenience, the Public Bank Group continues to expand and enhance the efficiency of its delivery channels. Coupled with 242 Public Bank branches in Malaysia, the Group has expanded its overseas branches to 97 in Hong Kong and the People’s Republic of China, Cambodia, Vietnam, Laos and Sri Lanka. The Public Bank Group continues to enhance convenient access to banking services by expanding its network of Automated Teller Machines, Cheque Deposit Machines, Cash Deposit Terminals, as well as its Internet banking and mobile banking services. The Group will continue to tap on its sales force and strategic alliance with key partners to deliver high value products and services to its customers.

CORPORATE RESPONSIBILITY
The Public Bank Group continues to believe that a company’s performance should be measured not only by the economic value it creates but also by its impact on all its stakeholders, including society and the environment. It fully subscribes to the philosophy that in fulfilling its corporate responsibilities, the Group is also enhancing its reputation, goodwill and brand. Through the Group’s efforts and initiatives in nation building and the enhancement of the market place through the promotion of the work place, the Group continues to discharge its corporate responsibilities.

As a socially responsible corporate, the Public Bank Group also continues to implement its CSR programmes to enhance quality of life and a sustainable environment by supporting education, disaster relief, health care, culture and the arts and caring for the needy in addition to taking care of the environment.

AWARDS AND ACCOLADES
Public Bank continues to be accorded awards of excellence in banking and corporate governance. In 2008, Public Bank was honoured with 39 awards and accolades, many of which were repeat best bank awards by national and international publications. Public Bank continues to be ranked right at the top for excellence in corporate governance.

Tan Sri Dato’ Sri Dr. Teh Hong Piow, Founder and Chairman of Public Bank, continues to be honoured with awards of excellence for his sterling leadership and immense contributions to the banking and financial industry in Malaysia and abroad.

OUR COMMITMENT
The Public Bank Group is committed to deliver value to its stakeholders. To its customers, the Group will continue to provide competitive financial products and services in line with increasingly sophisticated customer demand. To its shareholders and investors, the Group will continue to enhance shareholder value through strong financial performance. To its staff, the Group will continue to invest in human capital development initiatives to enhance core competencies and productivity.