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Public bank historical

About UsEstablished in 1966 by its Founder and Chairman, Tan Sri Dato Sri Dr. Teh Hong Piow,

Public Bank is a leading provider of financial services in Malaysia with banking operations in

Hong Kong and China, Cambodia, Vietnam, Laos and Sri Lanka. In Malaysia, Public Bank isone of the most efficient banks as reflected by its low cost to income ratio.Public Bank is a top-tier bank in Malaysia, well-reputed for its prudent management,superior customer service, uncompromising service delivery standards and strong corporate

governance and corporate culture. Public Bank remains untouched by the global financialcrisis which wrecked havoc in major financial centres around the world.Over the years, the Public Bank Group has been part of the strong catalysts to supportMalaysias economic development. Since its early days, Public Bank has transformed into astrong and successful financial institution, offering a wide range of competitive andinnovative products and solutions to meet its customers needs.In Malaysia, Public Bank is an industry leader in home mortgage financing, vehicle hirepurchase financing and commercial lending to small- and medium-sized enterprises. Also, inMalaysia, the Public Bank Group has the highest market share for the private sector unittrust business. In Hong Kong, the Group is an industry leader in personal consumerfinancing.Public Bank is the most recognised brand in the Malaysian financial services industry for itsstrong brand promise. In terms of size, it is the third largest domestic bank in Malaysia bymarket capitalisation and balance sheet.The Public Bank Group has over 17,160 staff, with 90% of the staff in Malaysia and the rest

in its overseas operations in Hong Kong and China, Cambodia, Vietnam, Laos and Sri Lanka.Our Core BusinessesThe Public Bank Group is very focused on its core businesses of providing a wide range ofbanking and financial services including retail commercial banking, corporate banking,investment banking, stock broking, funds management, wealth management services andIslamic banking.Public Bank is a market leader with a strong and profitable franchise in consumer banking

and retail commercial lending to mid-market small- and medium-sized enterprises inMalaysia. The Banks market share for loans has doubled since 2001. The Public Bank Grouphas a strong franchise in deposit-taking business in Malaysia and in its overseas operations.

Similar to that of loans, Public Banks market share for core customer deposits hadincreased significantly over the years.In terms of scale, the Public Bank Group has a large customer base with extensive points ofaccess in Malaysia and in the region.Strong Financial RatingsPublic Bank continues to be accorded with strong credit and financial ratings due to its

strong capitalisation, strong asset quality, consistently profitable financial performance andstrong risk management.Moodys Investor Service reaffirmed Public Banks long-term deposit rating of A3 and short-term deposit rating of P-1 with stable outlook. Standard & Poors Rating Agency alsoreaffirmed Public Banks A- long-term rating and A-2 short-term counterparty credit rating

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with stable outlook. Rating Agency Malaysia reaffirmed Public Banks long-term rating ofAAA, the highest accorded by Rating Agency Malaysia, and its short-term rating of P1.Best Retail Bank in Asia Pacific

The Public Bank Groups profile has been boosted significantly in 2009 when it was voted as

the Best Retail Bank in Asia Pacific by the Asian Banker based on several criteria such assuperior core deposit collection capabilities, value of its franchise, excellent financial

performance, sustainability of its balance sheet and risk management. Public Bank won thisaward, outperforming not only national competitors but also regional peers.Delivery ChannelsThe Public Bank Group further expanded its delivery channels in 2009 to better serve itslarge customer base of individuals and business enterprises in Malaysia. With 6 newbranches established in selected growth areas in Malaysia in 2009, the number of PublicBank branches in Malaysia has expanded to 248 branches.For its domestic operations, Public Bank has put in place 1,308 ATMs and other self-service

machines such as Cheque Deposit Machines and Cash Deposit Terminals. The Group alsohas expanded its Internet banking and mobile banking services for greater access by

customers to its banking services.

Continued Expansion in the RegionThe PB Brand continues to gain strength in the region. The Public Bank Groups regionalnetwork has been expanded to 109 branches, up from 70 branches in 2006. Specifically, inHong Kong, the Public Bank Group has 30 Public Bank (HK) branches, 42 Public Financebranches and 8 Winton Financial Limited branches. In China, the Group has already opened

3 branches. In Cambodia and Vietnam, the Group has established 15 branches and 7branches, respectively. In Laos and Sri Lanka, Public Bank has 3 branches and 1 branch,respectively.Similar to the domestic operations, the Groups key delivery channels such as ATMs andself-service machines in its overseas operations were further expanded for greater customerconvenience.Corporate ResponsibilityAs a responsible corporate citizen, the Public Bank Group remains committed to thefulfilment of its corporate social responsibilities. The Group is confident that its corporatesocial responsibility programmes in key areas such as education, environmentalconservation and support to the needy will not only enhance the quality of life of theaffected population but also further boost its corporate image, goodwill and brand. The Public Bank Groups corporate responsibility initiatives to improve the work place andenhance the welfare of the staff will continue to motivate staff to improve their contribution,

productivity and efficiency. The Group acknowledges the commitment and willingness of itsstaff to sustain its strong organic business growth and further improve on the Groupsrenowned customer service and delivery standards.Awards and AccoladesFor its solid and consistent financial performance, prudent management and strong

management capabilities, Public Bank continues to be recognised with awards of bankingexcellence. In 2009, Public Bank was honoured with 54 awards and accolades, includingmany repeat best bank awards in Malaysia and in the region by international and highlyreputable finance and banking publications.Tan Sri Dato Sri Dr. Teh Hong Piow, the Founder and Chairman of Public Bank, continues to

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be honoured for his astute leadership and immense contributions to the Public Bank Groupand the banking industry in Malaysia and in the region.Our Commitment

Despite its success, the Public Bank Group will never rest on its laurels. In the present

challenging economic environment, the Public Bank Group will continue to strive harder andcommit more resources to del iver the best to its stakeholders.To its customers, the Public Bank Group will continue to provide effective and competitivefinancial products and solutions. To its shareholders and investors, the Group will continueto enhance shareholder value through consistent financial performance, prudentmanagement and good corporate governance. To its staff, the Group will continue to investin human capital development and empower and engage them to deliver superiorperformance.

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CORPORATE MISSION

"To sustain the position of being the most efficient, profitable and respected premier financial

institution in Malaysia. "

CORPORATE PHILOSOPHY

For its Customer By providing the most courteous and efficient service in every aspect of its business By being innovative in the development of new banking products and services

For its Employees By promoting the well-being of its staff through attractive remuneration and fringe benefits By promoting good staff morale through proper staff training and development, and provision of

opportunities for career advancementFor its Shareholders

By forging ahead and consolidating its position as a stable and progressive financial institution

By generating profits and a fair return on their investment

For the Community it Serves By assuming its role as a socially responsible corporate citizen in a tangible manner By adhering closely to national policies and objectives thereby contributing towards the progress

of the nation

http://en.wikipedia.org/wiki/Public_Bank

http://en.wikipedia.org/wiki/Public_Bankhttp://en.wikipedia.org/wiki/Public_Bankhttp://en.wikipedia.org/wiki/Public_Bank