Public Bank Berhad Stock

Public Bank Berhad engages in all aspects of commercial banking, including the provision of related financial services.

The company has expanded its banking business to include a comprehensive suite of financial products and services, which comprises personal banking, commercial banking, Islamic banking, investment banking, share broking, trustee services, nominee services, sale and management of unit trust funds, as well as bancassurance and general insurance products.

The company has a wide network of domestic branches and overseas branches in Malaysia and across the region, including Hong Kong, China, Cambodia, Vietnam, Laos and Sri Lanka. The company offers a suite of banking products and services through its extensive branch network and infrastructure.

The company's flagship SME financing product which offers comprehensive financing solutions for business expansion, asset acquisition, working capital and trade financing.

The company has been actively working with Credit Guarantee Corporation Malaysia Berhad (CGC) to provide a wider range of products to small and medium enterprises (SMEs) for working capital and/or capital expenditure financing.

Segments

The company operates through Hire Purchase, Retail Operations, Corporate Lending, Treasury and Capital Market Operations, Investment Banking, Fund Management, Head Office and Funding Center, and Others segments.

Hire Purchase

Hire Purchase operations focus on the provision of passenger vehicle financing to all levels of customers.

Retail Operations

Retail Operations focus on providing products and services to individual customers and small and medium enterprises. The products and services offered to customers include credit facilities (mortgages, trade and personal loans), credit cards, remittance services, deposit collection and investment products.

Corporate Lending

The Corporate Lending operations cater to the funding needs of large corporate customers which are primarily public listed companies and their related corporations.

Treasury and Capital Market Operations

The Treasury and Capital Market Operations involve in proprietary trading in treasury related products and services, such as foreign exchange, money market operations and securities trading.

Investment Banking

The Investment Banking operations cater to the business needs of large corporate customers through the provision of financial solutions and direct lending. The services offered include structured financing, corporate advisory services, merger and acquisition, stock-broking and debt restructuring advisory services.

Fund Management

The Fund Management operations consist of sale of trust units and the management of unit trust funds as conducted by the bank's wholly-owned subsidiary company, Public Mutual Berhad.

Head Office and Funding Center

Head Office manages the investment of funds from shareholders' funds and capital securities, provides support services to the business segments within the bank, as well as serves as a Funding Center.

Others

Others refer mainly to non-core operations, such as property holding.

The company's overseas business operations are organised according to the following geographical locations:

Hong Kong SAR

This includes all business operations conducted by the bank's subsidiary companies in Hong Kong SAR and the People's Republic of China, including retail and commercial banking and lending, wealth management services, stock-broking and other related financial services.

Cambodia

This comprises all business operations conducted by the bank's subsidiary companies in Cambodia, which includes mainly financing, deposit-taking, general insurance businesses and stock-broking.

Business Operations

Domestic Consumer Banking and SME Lending

The company's domestic banking encompasses consumer banking and lending to the small and medium enterprises (SME). The company provides a comprehensive range of conventional and Shariah compliant retail and commercial loans/financing, deposits products and financial services to customers.

Domestic Consumer Banking

The company's domestic consumer banking comprises residential property financing; passenger vehicle hire purchase financing; personal consumer financing; credit and debit cards; share margin financing; and customer deposits.

Residential Property Financing include Home Ownership Made Easy, Mortgage Refinancing, Prescribed Home Financing, and PB First Home.

The company offers various deposits, such as demand deposits, savings deposits, fixed deposits, and money market deposits.

SME Lending

The company remains supportive of the SMEs, as it continues to offer an extensive range of financing products with attractive rates to serve the business needs of these SMEs.

The company continued to extend unwavering support to SMEs by providing financing access with a wide range of funding solutions.

The company's flagship SME financing product which offers comprehensive financing solutions for business expansion, asset acquisition, working capital and trade financing.

Sustainable Financing

The company is committed to develop and promote financial products, services and solutions which integrate Environmental, Social and Governance (ESG) considerations in line with environmental and social demands.

Wealth Management

Customer Service

Public Mutual Online (PMO) is an online portal which allows subscribers to perform investment transactions (including redemptions and switching), enquire on investment accounts and perform profile updates. The number of subscribers has grown to more than 838,000.

Bancassurance

The company and AIA Group Ltd. (AIA) entered into a strategic bancassurance partnership to provide customers with a broad range of life insurance protection and long-term savings solutions. Products include PB SME Flex, PB Alpha Edu, and PB Term CI.

Telemarketing Insurance Products

The bancassurance products distributed via the telemarketing channel include PB Care Plus, PB Cancer Guard and PB CI Protector Plans.

Investment Product

PB Dual Currency Investment (PB DCI) is a short term currency-linked structured product investment that aims to provide customers with the opportunity to capitalise on foreign exchange movements and potentially earn higher returns than traditional fixed deposits.

Transactional Services

Cash Management Services

The company's cash management services provide comprehensive payment and collection modules, tailored and developed to cater to the banking needs of customers. These customised cash management solutions are fully supported by the bank's wide network of branches and digital channels.

Remittances

Public Bank's remittance services provide comprehensive money transfer services through the company's network of physical and digital channels.

Capital Market

Treasury

The company's treasury operations offer financial services solutions, ranging from commercial Foreign Exchange (FX) to wholesale deposits, money market ('unit trust funds') and dual currency investments. Other functions of the company's treasury operations include cash flow and liquidity management, proprietary trading in FX and fixed income securities. These activities are performed through the treasury offices of the company, Public Islamic Bank, Public Investment Bank, Public Bank (Labuan) Limited and the company's overseas subsidiaries.

The company's International Business Unit has strategic alliances with Resona Bank, Saitama Resona Bank, The Kinki Osaka Bank of Japan and Kansai Mirai Bank Ltd, Bank Central Asia of Indonesia, The Siam Commercial Bank and China Construction Bank of China, to promote the its international presence.

Domestic Corporate Lending

The company's domestic corporate lending operations provide services to mid-size and large corporates, local and foreign listed corporations, as well as conglomerates. The company provides a comprehensive range of conventional, as well as Shariah compliant corporate loans/financing and corporate bonds/Sukuk.

Investment Banking

Public Investment Bank Berhad (Public Investment Bank) provides a wide range of investment banking services consisting of corporate finance and advisory services, advisory for issuance of corporate bonds and sukuk, corporate lending, treasury and stock broking services. Public Investment Bank provides services to a diverse pool of customers, which consists of both institutional and retail investors.

Islamic Banking

Public Islamic Bank provides a wide range of Shariah compliant products and services as it leverages on the company's strong branding, extensive branch network and infrastructure.

Public Islamic Bank and AIA Public Takaful Berhad have rolled-out two bancatakaful and wealth management products, namely the PB SME Flex-i and PB Wealth Amanah.

International Operations

Public Financial Holdings Limited provides retail and commercial banking, stock broking and wealth management services, while Public Finance Limited specialises in personal financing.

Cambodian Public Bank Plc offers a comprehensive range of banking products and financial services, including securities underwriting and trading through its wholly-owned subsidiary, Campu Securities Plc, as well as general insurance products via Campu Lonpac Insurance Plc, which is 55% owned by the company.

Public Islamic Bank Berhad offers a comprehensive range of Shariah compliant products and services as it leverages on the company's strong branding, extensive network of branches and infrastructure.

Public Mutual Berhad engages in the sales and management of unit trust and Private Retirement Scheme (PRS) funds.

Public Investment Bank Berhad engages in the business of stock broking and offers a wide range of investment banking services which encompass corporate finance and advisory services, advisory for issuance of corporate bonds and sukuk, corporate lending and treasury services.

Public Bank Laos Operations offers a wide range of retail banking products and services. The company has four branches in Laos.

Public Bank Vietnam Limited offers a broad suite of financial products and services, including loans, deposits, trade financing, remittances, e-banking and retail financial services.

Public Bank Sri Lanka Operations provides a broad range of retail banking products and services. The company has three branches in Sri Lanka.

History

Public Bank Berhad was founded in 1966.