* Cover
A. Corporate Mission
1. Corporate Philosophy
4. Notice of Annual General Meeting
7. Financial Calendar
8. Financial Highlights
9. Simplified Group Balance Sheet
10. Corporate Information
11. Group Corporate Structure
14. Corporate Profile
17. Corporate Milestones from 1966
20. Customer Service Excellence
22. Media Highlights
26. Five-Year Group Financial Summary
28. Summary of Five-Year Group Growth Delivering Solid Results Even in Volatile Times
30. Market Capitalisation & Ranking
30. Segmental Analysis
31. Key Interest Bearing Assets & Liabilities
32. Group Quarterly Performance
33. Statement Of Value Added
35. Awards & Accolades
36. 2009 Awards
38. Past Awards
42. Board Of Directors
44. Directors' Profile
51. Letter To Stakeholders
70. Statement on Corporate Governance
91. Risk Management
98. Ethics, Integrity And Trust
100. Statement On Internal Control - 2009
102. Audit Committee Report
110. Board Executive Committee
111. Group Management Profile
114. Heads Of Division
120. Chairman's Review
122. Overview
142. Business Operations Review
171. Outlook For 2010
174. Corporate Responsibility
184. Human Capital Development
188. Calendar Of Significant Events 2009

202. Analysis of the Financial Statements
205. Statement of Responsibility by Directors
206. Directors' Report
215. Statement by Directors
215. Statutory Declaration
216. Independent Auditors' Report
218. Balance Sheets
220. Income Statements
222. Consolidated Statement of Changes in Equity
224. Statement of Changes in Equity
225. Cash Flow Statements
228. Notes to the Financial Statements

398. Bursa Securities Listing Requirements Compliance Information
401. Malaysian Economy: Managing a Sustained Recovery
406. Investor Information
409. Analysis of Shareholdings
413. Authorised and Issued Share Capital
426. Summary of Properties Owned by Public Bank Group
427. List of Top 10 Properties Owned by Public Bank Group
429. International Network
430. Group Corporate Directory
* Form of Proxy
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