Public Bank Berhad Balance Sheet Health
Financial Health criteria checks 6/6
Public Bank Berhad has total assets of MYR526.8B and total equity of MYR57.1B. Total deposits are MYR437.3B, and total loans are MYR407.4B. It earns a Net Interest Margin of 2.2%. It has sufficient allowance for bad loans, which are currently at 0.6% of total loans. Cash and short-term investments are MYR15.2B.
Key information
9.2x
Asset to equity ratio
2.2%
Net interest margin
| Total deposits | RM 437.33b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.6% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | RM 15.19b |
Recent financial health updates
No updates
Recent updates
Public Bank Berhad Beat Analyst Estimates: See What The Consensus Is Forecasting For Next Year
Dec 02
Public Bank Berhad (KLSE:PBBANK) Released Earnings Last Week And Analysts Lifted Their Price Target To RM5.10
Aug 29Shareholders Will Probably Hold Off On Increasing Public Bank Berhad's (KLSE:PBBANK) CEO Compensation For The Time Being
May 01Public Bank Berhad's (KLSE:PBBANK) Upcoming Dividend Will Be Larger Than Last Year's
Mar 01Does Public Bank Berhad (KLSE:PBBANK) Deserve A Spot On Your Watchlist?
Feb 10Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: PBBANK's Assets to Equity ratio (9.2x) is low.
Allowance for Bad Loans: PBBANK has a sufficient allowance for bad loans (154%).
Low Risk Liabilities: 93% of PBBANK's liabilities are made up of primarily low risk sources of funding.
Loan Level: PBBANK has an appropriate level of Loans to Assets ratio (77%).
Low Risk Deposits: PBBANK's Loans to Deposits ratio (93%) is appropriate.
Level of Bad Loans: PBBANK has an appropriate level of bad loans (0.6%).
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/12/24 10:26 |
| End of Day Share Price | 2024/12/24 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2023/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
Analysis Model and Snowflake
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .
Analyst Sources
Public Bank Berhad is covered by 33 analysts. 18 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Ei Tan | Affin Hwang Investment Bank |
| Poh Ong | AmInvestment Bank Berhad |
| Wee Siang Ng | BNP Paribas Securities (Asia) |