1295
Public Bank Berhad
Sector: Financial Services | Market: MAIN
Key Financials
Extracted from official Bursa Malaysia quarterly filings. Latest 4 quarters, side by side.
Q4 FY2025Q3 FY2025Q2 FY2025Q1 FY2025
Income Statement
| Metric | Q4 FY2025 RM '000 | Q3 FY2025 RM '000 | Q2 FY2025 RM '000 | Q1 FY2025 RM '000 |
|---|---|---|---|---|
| Operating revenue | 29,509.548 | 4,790.987 | 14,665.037 | 4,762.488 |
| Interest income | 18,895.78 | 4,153.843 | 9,502.97 | 4,180.87 |
| Interest expense | -9,312.094 | -2,200.84 | -4,711.944 | -2,198.788 |
| Net interest income | 9,583.686 | 1,953.003 | 4,791.026 | 1,982.082 |
| Net income from Islamic banking business | 1,839.388 | 466.604 | 910.974 | 448.11 |
| Insurance service result | 347.677 | 98.734 | 165.873 | 78.703 |
| Net finance expense from insurance contracts issued and reinsurance contracts held | -40.542 | -10.22 | -19.819 | -10.039 |
| Fee and commission income | - | 395.619 | - | 377.15 |
| Net fee and commission income | 2,225.565 | 212.768 | 1,068.587 | 200.493 |
| Net gains and losses on financial instruments | 225.602 | 67.612 | 107.406 | 16.239 |
| Fee and commission expense | - | -182.851 | - | -176.657 |
| Other operating income | 513.778 | 229.469 | 228.137 | 126.439 |
| Net income | 14,695.154 | 2,462.852 | 7,252.184 | - |
| Other operating expenses | -5,128.702 | -762.609 | -2,558.965 | - |
| Operating profit before impairment losses | 9,566.452 | 1,700.243 | - | 1,775.714 |
| Operating profit before impairment losses (Allowance) / Writeback of allowance for impairment on loans, advances and financing | - | 2,456.121 | -73.142 | - |
| Writeback of allowance / (Allowance) for impairment on other assets | - | - | -3.809 | - |
| Writeback of allowance / (Allowance) for impairment on loans, advances and financing | -66.83 | - | - | - |
| Allowance for impairment on loans, advances and financing | - | - | - | -39.024 |
| Allowance for impairment on other assets | -12.79 | -3.6 | - | -3.283 |
| Profit before tax expense and zakat | 9,542.853 | 2,452.579 | 4,646.19 | 2,312.551 |
| Tax expense and zakat | -2,135.744 | -544.721 | -1,047.12 | -519.605 |
| Profit for the period | - | 1,334.804 | 3,599.07 | 1,399.499 |
| (Allowance) / Writeback of allowance for impairment on loans, advances and financing | - | -4.508 | - | - |
| Profit for the period / year | 7,407.109 | - | - | - |
| Earnings per share basic / diluted (sen) | 0.037 | - | 0.018 | 0.009 |
| Profit for the period attributable to: Equity holders of the Bank | - | - | - | 1,745.32 |
| Profit for the period attributable to: Non-controlling interests | - | - | - | 47.626 |
| Earnings per share (basic / diluted) | - | 0 | - | - |
| Other operating income / (loss) | - | - | - | 344.585 |
| Writeback of allowance for impairment on loans, advances and financing | - | 24.631 | - | 5.742 |
| Profit before tax expense | - | 1,721.274 | - | 1,778.173 |
| Tax expense | - | -386.47 | - | -378.674 |
Balance Sheet
| Metric | Q4 FY2025 RM '000 | Q3 FY2025 RM '000 | Q2 FY2025 RM '000 | Q1 FY2025 RM '000 |
|---|---|---|---|---|
| ASSETS | 0 | 555,638.147 | 0 | 549,713.613 |
| Cash and balances with banks | 16,828.73 | 16,490.526 | 16,532.725 | 15,549.587 |
| Reverse repurchase agreements | 1.642 | 4.033 | 203.961 | 3.502 |
| Financial assets at fair value through profit or loss | 3,978.524 | 4,875.136 | 4,298.857 | 4,292.877 |
| Derivative financial assets | 224.574 | 199.084 | 248.095 | 353.31 |
| Financial investments at fair value through other comprehensive income | 50,198.502 | 48,831.237 | 47,979.844 | 53,351.71 |
| Financial investments at amortised cost | 30,821.009 | 31,034.893 | 29,978.447 | 30,185.682 |
| Reinsurance contract assets | 957.827 | 0 | 897.921 | 846.823 |
| Loans, advances and financing | 442,333.231 | 437,708.732 | 431,293.709 | 426,408.266 |
| Other assets | 4,692.208 | 4,487.797 | 4,132.127 | 3,892.475 |
| Statutory deposits with Central Banks | 4,441.274 | 4,284.985 | 4,451.936 | 7,960.123 |
| Deferred tax assets | 426.913 | 448.427 | 407.517 | 449.415 |
| Collective investments | 0 | 0 | 0 | 0 |
| Investment in subsidiary companies | 0 | 0 | 0 | 0 |
| Investment in associated companies | 441.227 | 428.009 | 413.911 | 398.863 |
| Investment properties | 694.875 | 765.818 | 722.14 | 767.593 |
| Right-of-use assets | 1,215.244 | 1,196.07 | 1,198.083 | 1,220.716 |
| Property and equipment | 1,309.76 | 1,230.178 | 1,236.296 | 1,246.319 |
| Intangible assets | 3,085.617 | 2,718.899 | 2,712.94 | 2,786.352 |
| TOTAL ASSETS | 561,651.157 | 555,638.147 | 546,708.509 | 549,713.613 |
| LIABILITIES | 0 | 495,142.534 | 0 | 490,510.356 |
| Deposits from customers | 447,113.622 | 446,209.286 | 440,939.099 | 437,055.9 |
| Deposits from banks and other financial institutions | 14,625.343 | 13,135.558 | 13,186.222 | 13,621.667 |
| Obligations on securities sold under repurchase agreements | 5,624.576 | 4,892.634 | 4,543.407 | 12,470.928 |
| Bills and acceptances payable | 155.667 | 208.839 | 193.87 | 209.197 |
| Recourse obligations on loans and financing sold to Cagamas | 6,200.017 | 6,200.017 | 5,000.015 | 5,000.015 |
| Derivative financial liabilities | 641.642 | 253.132 | 865.316 | 117.658 |
| Insurance contract liabilities | 2,387.044 | 2,314.229 | 2,330.772 | 2,187.712 |
| Debt securities issued and other borrowed funds | 12,649.937 | 11,930.843 | 9,343.296 | 10,360.04 |
| Lease liabilities | 906.189 | 915.58 | 919.337 | 918.097 |
| Other liabilities | 8,135.734 | 8,194.341 | 7,911.572 | 8,038.354 |
| Provision for tax expense and zakat | 467.561 | 744.321 | 597.314 | 386.999 |
| Deferred tax liabilities | 302.217 | 143.754 | 143.327 | 143.789 |
| TOTAL LIABILITIES | 499,209.549 | 495,142.534 | 485,973.547 | 490,510.356 |
| EQUITY | 0 | 60,495.613 | 0 | 59,203.257 |
| Share capital | 9,417.653 | 9,417.653 | 9,417.653 | 9,417.653 |
| Regulatory reserves | 2,257.273 | 2,042.831 | 1,914.709 | 1,681.481 |
| Other reserves | 1,492.268 | 1,673.439 | 1,742.454 | 1,944.39 |
| Retained profits | 47,205.232 | 45,551.988 | 45,865.358 | 44,342.054 |
| Treasury shares | -434.752 | -434.752 | -434.752 | -434.752 |
| Equity attributable to equity holders of the Bank | 59,937.674 | 58,251.159 | 58,505.422 | 56,950.826 |
| Non-controlling interests | 2,503.934 | 2,244.454 | 2,229.54 | 2,252.431 |
| TOTAL EQUITY | 62,441.608 | 60,495.613 | 60,734.962 | 59,203.257 |
| TOTAL LIABILITIES AND EQUITY | 561,651.157 | 555,638.147 | 546,708.509 | 549,713.613 |
Cash Flow Statement
| Metric | Q4 FY2025 RM '000 | Q3 FY2025 RM '000 | Q2 FY2025 RM '000 | Q1 FY2025 RM '000 |
|---|---|---|---|---|
| Cash Flows from Operating Activities | 0 | 0 | 0 | 0 |
| Profit before tax expense and zakat | 9,542.853 | 7,098.769 | 4,646.19 | 2,312.551 |
| Adjustments for non-cash items: | 0 | 0 | 0 | 0 |
| Share of profit after tax of equity accounted associated companies | -56.021 | -41.679 | -29.922 | -14.812 |
| Allowance / (Writeback of allowance) for impairment on loans, advances and financing | 269.753 | 248.599 | 166.046 | 89.788 |
| Depreciation of right-of-use assets and property and equipment | 321.31 | 229.492 | 151.867 | 74.928 |
| Net gain on financial instruments | -159.187 | -145.259 | -77.534 | -21.479 |
| Dividend income | -6.851 | -6.813 | -1.53 | -0.044 |
| Allowance for impairment on other assets | 12.79 | 8.317 | 3.809 | 4.334 |
| Other non-cash items | 89.027 | 32.986 | 31.912 | 1.19 |
| Operating profit before working capital changes | 10,013.674 | 7,424.412 | 4,890.838 | 2,446.456 |
| Changes in working capital: | 0 | 0 | 0 | 0 |
| Increase in operating assets | -19,101.471 | -15,556.399 | -8,656.446 | -6,281.457 |
| Increase in operating liabilities | 14,636.746 | 11,135.573 | 4,683.022 | 8,171.211 |
| Cash generated from operations | 5,548.949 | 3,003.586 | 917.414 | 4,336.21 |
| Tax expense and zakat paid | -2,007.768 | -1,195.819 | -776.165 | -445.572 |
| Net cash generated from operating activities | 3,541.181 | 1,807.767 | 141.249 | 3,890.638 |
| Cash Flows from Investing Activities | 0 | 0 | 0 | 0 |
| Purchase of property and equipment | -266.711 | -125.174 | -79.711 | -24.794 |
| Addition to investment properties | -25.645 | -41.561 | -0.004 | 0 |
| Proceeds from disposal of properties | 19.403 | 16.75 | 11.691 | 6.975 |
| Net sale / (purchase) of financial investments | - | - | 5,443.272 | - |
| Investment in collective investments by the Bank | -233.178 | -175.335 | -116.477 | 0 |
| Net sale of financial investments | 2,426.196 | 3,543.728 | - | - |
| Investment in collective investments by the non-controlling interests | 12.248 | 9.595 | 6.938 | 3.378 |
| Additional investment in a subsidiary company | - | 0 | 0 | 0 |
| Dividends received | 6.851 | 6.813 | 1.53 | 0.044 |
| Acquisition of equity interest in a subsidiary company | -1,723.781 | - | - | - |
| Net cash vested over to Public Bank Lao Limited | -177.347 | 0 | 0 | 0 |
| Additional investment in subsidiary companies | -175.969 | - | - | - |
| Net cash outflows on acquisition of LPI Capital Bhd | -1,504.98 | - | - | - |
| Net cash generated from / (used in) investing activities | 2,172.342 | - | 5,383.716 | - |
| Cash Flows from Financing Activities | 0 | 0 | 0 | 0 |
| Dividends paid | -4,325.142 | -4,315.022 | -2,230.617 | -2,224.788 |
| Net cash outflows on acquisition of Public Bank Securities Vietnam Company Limited | -69.369 | -39.703 | - | - |
| Repayment of borrowing | - | -626.822 | -626.822 | -626.822 |
| Repayment of lease liabilities | -96.605 | -73.154 | -49.72 | -26.575 |
| Redemption of debt securities | -890 | -890 | -890 | - |
| Net cash used in financing activities | -2,539.985 | -3,315.854 | -3,797.159 | -2,878.185 |
| Net change in cash and cash equivalents | 3,173.538 | 1,902.064 | 1,727.806 | 499.054 |
| Repayment of borrowings | -626.822 | - | - | - |
| Net proceeds from issuance of debt securities | 3,398.584 | 2,589.144 | - | - |
| Cash and cash equivalents at beginning of the year | 13,244.091 | 13,244.091 | 13,244.091 | 13,244.091 |
| Exchange differences on translation of opening balances | -1,136.026 | -793.765 | -772.109 | -112.099 |
| Cash and cash equivalents at end of the period | - | 14,352.39 | 14,199.788 | 13,631.046 |
| Note: | 0 | 0 | 0 | - |
| Cash and balances with banks | 16,828.73 | 16,490.526 | 16,532.725 | - |
| Net (purchase) / sale of financial investments | - | - | - | -499.002 |
| Less: Balances with banks with original maturity more than three months | -1,547.127 | -2,138.136 | -2,332.937 | -1,918.541 |
| Cash and cash equivalents at end of the year | 15,281.603 | - | - | - |
| Net cash (used in) / generated from investing activities | - | - | - | -513.399 |
| Net cash generated from investing activities | - | 3,410.151 | - | - |
| Note: Cash and balances with banks | - | - | - | 15,549.587 |
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