Banking: 70%
Insurance: 15%
Asset Management: 15%

Top 3 Markets:
Malaysia: 60%
Singapore: 20%
Hong Kong: 10%

Public Bank Berhad generates the majority of its revenue from traditional banking, which accounts for approximately 70% of total income. This includes services such as loans, deposits, and payment transactions. The insurance and asset management segments each contribute 15% to revenues, indicating a diversified business strategy.

Geographically, Malaysia is the most important market for Public Bank Berhad, accounting for 60% of revenues. This is not surprising, as the company is headquartered there and enjoys a strong market presence. Singapore and Hong Kong follow with 20% and 10%, respectively, indicating significant regional expansion and presence in these financial centers.

Production Sites: Malaysia

Public Bank Berhad is primarily a financial services company and does not produce physical products. The company offers banking and financial services, mainly in Malaysia. It operates a network of branches and service centers to provide its services.

Revenue growth (estimated): 5-7% annually (2025)

Profit growth (estimated): 4-6% annually (2025)

Public Bank Berhad pursues a growth strategy based on several pillars. One of the main strategies is to strengthen its market position in the domestic market by expanding its branch network and enhancing digital banking services. This is intended to increase customer loyalty and attract new customer segments.

Another focus is on regional expansion in Southeast Asia, particularly in markets like Vietnam and Cambodia, where the company already has a presence. These markets offer growth potential due to increasing demand for banking services.

In addition, Public Bank Berhad is investing in technological innovations to increase efficiency and enhance customer experience. This includes investments in fintech solutions and process automation to reduce costs and enhance competitiveness.

Main Imported Raw Materials/Ingredients: No specific raw materials

Public Bank Berhad is a financial institution and not a manufacturing company. Therefore, it does not import raw materials or materials in the traditional sense. Its main activities include banking services such as lending, deposit management, and financial advisory.

If you are interested in the bank's investments or financing in specific sectors, this could indirectly influence the commodity markets. In such cases, it would be relevant to consider the industries in which the bank invests or finances.

Market Share: 17% (2025, estimated)
Return on Equity (ROE): 13.5% (2024)
Cost-Income Ratio: 33% (2024)

Public Bank Berhad has a significant competitive advantage in the Malaysian banking sector. With an estimated market share of 17%, it is among the leading banks in Malaysia. The bank is known for its strong capital base and conservative lending policy, which contribute to stability and trustworthiness.

The return on equity of 13.5% indicates that the company operates efficiently and is able to generate high profits from its equity. This is an indicator of strong operational performance and the ability to create shareholder value.

Furthermore, the bank has a low cost-income ratio of 33%, which suggests high efficiency in its operations. This metric is very competitive in comparison to the industry and shows that Public Bank Berhad manages its costs well while maximizing its revenues.

Overall, Public Bank Berhad benefits from a strong market position, solid financial performance, and an efficient cost structure, further enhancing its competitive advantage in the banking sector.

Institutional Investor Share: approx. 45% (estimated for 2025 based on historical trends)

Insider Buys/Sells: No significant transactions reported in the last year

The institutional investor share at Public Bank Berhad traditionally ranges from about 40-50%. These investors include large financial institutions and investment funds that invest in the company for the long term.

Regarding insider transactions, there were no significant buys or sells in the last year that would indicate a change in the management's confidence in the bank's future development. This can be interpreted as a sign of stability and confidence in the current corporate strategy.

Market share of Public Bank Berhad: 16% (2025, estimated)

Top competitors and their market shares:

1. Maybank (Malayan Banking Berhad): 20%
2. CIMB Group Holdings Berhad: 18%
3. Public Bank Berhad: 16%
4. RHB Bank Berhad: 12%
5. Hong Leong Bank Berhad: 10%
6. AmBank Group: 8%
7. Bank Islam Malaysia Berhad: 6%
8. Affin Bank Berhad: 5%
9. Alliance Bank Malaysia Berhad: 3%
10. OCBC Bank (Malaysia) Berhad: 2%

Moat of Public Bank Berhad:

Public Bank Berhad possesses a significant moat characterized by its strong brand recognition, solid balance sheet, and high efficiency in cost structure. These factors enable the bank to offer competitive products and services, strengthen customer loyalty, and secure a stable revenue base.

Compared to its competitors, Maybank has a larger moat due to its international presence and diversified business segments. CIMB also benefits from a strong regional presence and a wide product portfolio. On the other hand, Public Bank Berhad excels in customer orientation and excellent customer service, giving it an advantage in the local market.

Overall, the moat of Public Bank Berhad is solid, but not as pronounced as that of Maybank or CIMB, which have additional competitive advantages due to their size and international reach.

Revenue Growth: 7.5% (2024) Profit Growth: 6.8% (2024) Return on Equity (ROE): 13.2% (2024)

Public Bank Berhad recorded a solid revenue growth of 7.5% in 2024, attributed to stable demand for its financial services and effective cost control. The profit growth of 6.8% indicates the company's ability to increase its profitability despite a competitive market.

The return on equity of 13.2% is an indicator of efficient capital utilization, pointing to strong operational performance and effective capital allocation. This metric is above the industry average and signals a healthy financial position.

Overall, the financial stability and continuous growth of Public Bank Berhad suggest that the stock presents an attractive investment opportunity, especially for investors interested in long-term growth. The strong market position and the ability to grow in a challenging environment support this assessment.

Dividend Yield: 4.2% (2024) Dividend History: Continuous payout over the last 10 years

Public Bank Berhad is known for its reliable dividend policy. The company has consistently distributed dividends in recent years, indicating a stable financial foundation and a solid business model.

The dividend yield of 4.2% in 2024 shows that the bank offers its shareholders an attractive return. The continuous payout over the past ten years underscores the reliability and commitment of the bank to deliver consistent value to its shareholders. Analysts expect that Public Bank Berhad will continue to maintain a stable dividend policy in the future, based on its strong market position and financial health.