Public Bank Berhad (PBBANK) investor relations material

Executive summary

• Profit before tax rose 3.5% year-over-year to RM7.10 billion for 9M Q3 2025, with net profit stable at RM5.35 billion, driven by 9.6% revenue growth, strong loan and deposit expansion, and stable asset quality.

• Non-interest income surged 18.4%–19% year-over-year, supported by investment, foreign exchange gains, and new general insurance business.

• Asset quality remained robust, with a gross impaired loans ratio of 0.52%, well below the industry average.

• Net return on equity stood at 12.6%, and the cost-to-income ratio was 34.9%, well below the industry average.

• The Group maintained strong capital adequacy, with CET1 and total capital ratios at 13.8% and 16.5%, respectively.

Financial highlights

• Operating revenue for the nine months ended 30 September 2025 was RM22,084.9 million, up from RM20,145.8 million year-over-year.

• Net interest/financing income increased 2.5%–2.8% year-over-year, while net income grew 5.9%.

• Operating profit rose 6.0% year-over-year to RM7.15 billion.

• Earnings per share was 27.69 sen, up 0.5% year-over-year.

• Gross loans grew 4.0% to RM441.2 billion, and customer deposits increased 3.0% to RM446.2 billion.

Outlook and guidance

• Strategic focus remains on retail and SME lending, digital transformation, and sustainability, with continued investment in digital infrastructure and cybersecurity.

• The Group aims to maintain strong capital and liquidity positions, resilient asset quality, and prudent loan loss reserves.

• Emphasis on supporting home ownership, SME lending, and green financing.