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
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
