Public Bank Homepage - Excellence is Our Commitment

WHO WE ARE
Public Bank was established in August 1966 by its Founder and Chairman, Tan Sri Dato’ Sri Dr. Teh Hong Piow. Known for its superior service delivery, super PB Brand, strong corporate governance and a corporate culture committed to excellence, Public Bank is a top-tier bank in Malaysia. The Public Bank Group employs more than 14,000 people, with over 90% in Malaysia, with the balance spread out in Hong Kong and China, Vietnam, Cambodia, Laos and Sri Lanka. The Public Bank Group has demonstrated a strong capability of delivering exceptionally high rates of organic growth in its core businesses.

OUR CORE BUSINESS
The Public Bank Group focuses on a wide range of banking and financial services which include commercial banking, retail wealth management, Islamic banking, investment banking, stock broking and card businesses. Complemented by corporate banking services, Public Bank is a market leader in consumer banking and retail commercial lending to SMEs in Malaysia.

CORPORATE RANKING
Public Bank is the fifth largest company in Malaysia by market capitalisation, which stood at RM38.81 billion as at the end of 2007. The Public Bank Group is the third largest banking group in Malaysia by asset size, with total assets of RM174 billion. The Group’s domestic market share of the lending and deposit-taking businesses increased to 14.0% and 14.3% respectively in 2007.

WIDE BRANCH NETWORK IN MALAYSIA AND THE REGION
The Public Bank Group has a large and well distributed branch network of 241 full service branches in Malaysia with a strong tradition of service excellence. The Group also has significant presence in the region with a network of 66 branches in Hong Kong and the People’s Republic of China, nine branches in Cambodia, six branches in Vietnam, one branch in Laos and a branch in Sri Lanka.

EFFICIENT CAPITAL AND STRONG ASSET QUALITY
The Public Bank Group is well capitalised with a risk-weighted capital adequacy ratio of 13.6% and a Tier-1 ratio of 9.1% at the end of 2007. The Group has one of the most efficient capital structures in Malaysia with a high ROE of 26.3% in 2007. Public Bank also has the best asset quality in the banking industry in Malaysia and strong financial ratings by the international and national rating agencies.

AWARDS AND ACCOLADES
Public Bank continues to earn recognition and trust for its strong and sustained financial performance and prudent management. In 2007, Public Bank was honoured with 31 awards, including many repeat best bank awards in Malaysia and in the region and top ranking in corporate governance by the Minority Shareholder Watchdog Group as well as corporate governance awards by international and national publications. Tan Sri Teh, Founder and Chairman of Public Bank, has been awarded 5 personal awards in 2007, including Asean Banker of the Year, Lifetime Contribution to Banking as well as a Recognition Award in appreciation of his excellent achievement and contribution to the development of the banking industry in Cambodia by the National Bank of Cambodia for the past fifteen years in 2007.

OUR COMMITMENT
The Public Bank Group is committed to deliver value to its stakeholders. To its customers, the Group will continue to provide effective and competitive financial solutions and services. To its shareholders and investors, the Group will continue to enhance shareholder value through consistent financial performance and efficient capital management. To its staff, the Group will continue to foster a strong performance, learning and meritocratic culture that allows the development of the best talents for the Group.