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2005 ANNUAL REPORT

		2005 Annual Report
		* Cover * Inside Front Cover * Cover Rationale * Financial Calendar 1. Corporate Mission 2. Contents 4. Notice of Annual General Meeting 8. Statement Accompanying Notice of Annual General Meeting 10. Corporate Information 12. Corporate Profile 15. Group Corporate Structure 16. Customer Care 18. Financial Highlights 19. Simplified Group Balance Sheets 20. Five-Year Group Financial Summary 21. Summary of Five-Year Group Growth 22. Segmental Analysis 23. Market Capitalisation & Ranking 24. Board of Directors 26. Director's Profiles 33. Letter to Stakeholders 46. Awards and Recognitions
		54. Corporate Governance 72. Risk Management 88. Ethics, Integrity and Trust 90. Audit Committee Report 95. Statement on Internal Control 98. Board Executive Committee 99. Heads of Divisions 106. Chairman's Review 108. Overview 120. Business Operations Review 158. Outlook for 2006
		162. Corporate Philosophy 163. Caring for Our Customers 164. Caring for Our Employees 165. Caring for Our Shareholders 166. Corporate Social Responsibility 166. Caring for Our Community 169. Caring for Our Environment 171 . Human Resource Development 173. Calendar of Significant Events 2005
		186. Analysis of the Financial Statements 191. Statement of Responsibility by Directors 192. Directors' Report 201 . Statement by Directors 201 . Statutory Declaration 202 . Report of the Auditors to the Members 203 . Balance Sheets 205 . Income Statements 206 . Statements of Changes in Equity 210 . Cash Flow Statements 213 . Notes to the Financial Statements 326 . Bursa Securities Listing Requirements Compliance Information 329 . Malaysian Economy: Broad-Based Recovery with Stronger Private Sector 334 . Investor Information 336 . Analysis of Shareholdings 339. Authorised and Issued Share Capital 348. List of Properties Owned by Public Bank Group 360. International Network 361. Group Corporate Directory Form of Proxy Back Cover
		Executive Summary

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