Public Bank Berhad

 

Fiscal year is January-December. All values MYR Millions.

2021 2020 2019 2018 2017 5-year trend 

INCOME STATEMENT

Interest Income 15,092 15,500 17,565 17,330 16,282 

Interest Income Growth -2.63% -11.76% 1.36% 6.44% - 

Total Interest Expense 5,160 7,004 8,857 8,698 7,861 

Total Interest Expense Growth -26.34% -20.92% 1.83% 10.65% - 

Net Interest Income 9,932 8,495 8,708 8,632 8,420 

Net Interest Income Growth 16.92% -2.45% 0.88% 2.52% - 

Loan Loss Provision 1,201 1,106 154 169 203 

Loan Loss Provision Growth 8.58% 616.21% -8.75% -16.74% - 

Net Interest Income after Provision 8,731 7,389 8,554 8,463 8,217 

Net Interest Inc After Loan Loss Prov Growth 18.17% -13.62% 1.08% 2.99% -

 Net Interest Margin 2.20%

 Non-Interest Income 3,601 3,588 3,113 3,011 3,143 

Non-Interest Expense 4,966 4,672 4,587 4,424 4,246 

Operating Income 7,367 6,305 7,080 7,050 7,114 

Operating Income Growth 16.83% -10.94% 0.43% -0.91% - 

Pretax Income 7,367 6,285 7,134 7,096 7,121 

Pretax Income Growth 17.21% -11.90% 0.54% -0.35% -

 Pretax Margin 39.41%

 Net Income 5,657 4,872 5,512 5,591 5,470 

Net Income 5,657 4,872 5,512 5,591 5,470

 Net Income Growth 16.11% -11.61% -1.41% 2.20% -

 Net Margin 30.26% F

CASH FLOW STATEMENT

Funds from Operations 6,985 6,496 6,329 5,989 6,204 

Funds from Operations Growth 7.52% 2.64% 5.69% -3.48% -

 Net Operating Cash Flow 7,889 4,744 6,564 5,679 6,700 

Net Operating Cash Flow / Interest Income 52.27% 30.60% 37.37% 32.77% 41.15% 

Capital Expenditures (143) (373) (205) (218) (312) 

Free Cash Flow 7,746 4,370 6,358 5,461 6,389

 Free Cash Flow Growth 77.24% -31.27% 16.43% -14.52% -

 Free Cash Flow Yield 4.66% 

 Cash Dividends Paid - Total (3,979) (1,553) (2,717) (2,555) (2,278)

 Cash Dividend Growth -   156.25% 42.86% -6.35% -12.15% - 

BALANCE SHEET

ASSETS

 Total Cash & Due from Banks 6,691 5,689 15,213 14,298 13,421

 Investments - Total 80,572 78,225 72,162 72,246 61,157 

Investments Growth 3.00% 8.40% -0.12% 18.13% - 

Net Loans 366,114 357,947 337,383 325,981 313,156 

Real Estate Other Than Bank Premises 807 904 931 845 796

 Loans - 1 Yr Growth Rate 2.28% 6.10% 3.50% 4.10% - 

Net Property, Plant & Equipment 2,577 2,697 2,570 1,567 1,564

 Other Assets (Including Intangibles) 5,316 5,612 4,370 4,604 5,076 

Total Assets 462,739 451,257 432,831 419,693 395,276

 Assets - Total Growth 2.54% 4.26% 3.13% 6.18% -

 Return On Average Assets 1.24% - - - - 

LIABILITIES & EQUITY

 Total Deposits 380,394 365,871 353,340 339,160 319,259 

Total Debt 26,506 29,501 28,370 32,561 31,081 

Other Liabilities 6,197 6,533 6,193 5,671 6,325

 Total Liabilities 413,314 402,830 388,084 377,597 356,831

 Common Equity (Total) 48,163 47,248 43,594 40,973 37,365 

Accumulated Minority Interest 1,263 1,178 1,152 1,123 1,081

 Total Equity 49,425 48,427 44,746 42,096 38,446

 Liabilities & Shareholders' Equity 462,739 451,257 432,831 419,693 395,276

Average Growth Rates 

Public Bank Bhd 

Past Five Years Ending 12/31/2021 (Fiscal Year) 

Revenue -0.75%

 Net Income +0.68%

 Earnings Per Share -15.89% 

Capital Spending -10.82%

 Gross Margin -

 Cash Flow +4.25% 

 KEY STOCK DATA 

P/E Ratio (TTM) 14.69(12/16/22) 

EPS (TTM) RM0.30 

Market Cap RM85.02 B 

Shares Outstanding 19.41 B 

Public Float 11.82 B 

Yield 4.50%(12/16/22) 

Latest Dividend RM0.0399999991(12/23/22) 

Ex-Dividend Date 12/14/22 ? 

SHORT INTEREST () 

N/A