Highlights
KLSE: PBBANK (1295)       PUBLIC BANK BHD MAIN : Finance
Last Price Today's Change   Day's Range   Trading Volume
18.50   0.00 (0.00%)  18.30 - 18.60  3,907,300
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Financials


Market Cap: 71,820 Million

Market Cap 71,820 Million
NOSH 3,882 Million

Latest Audited Result:  31-Dec-2019

Latest Audited Result: 31-Dec-2019
Announcement Date 29-May-2020
Next Audited Result: 31-Dec-2020
Est. Ann. Date: 29-May-2021
Est. Ann. Due Date: 29-Jun-2021

Latest Quarter:  31-Mar-2020 [#1]

Latest Quarter: 31-Mar-2020 [#1]
Announcement Date 22-May-2020
Next Quarter: 30-Jun-2020
Est. Ann. Date: 14-Aug-2020
Est. Ann. Due Date: 29-Aug-2020
QoQ | YoY   -5.46%  |    -5.75%

Annual (Unaudited) ( EPS: 141.97, P/E: 13.03 )

Revenue | NP to SH 22,454,734  |  5,511,558
RPS | P/RPS 578.41 Cent  |  3.20
EPS | P/E | EY 141.97 Cent  |  13.03  |  7.67%
DPS | DY | Payout % 73.00 Cent  |  3.95%  |  51.42%
NAPS | P/NAPS 11.23  |  1.65
YoY   -1.41%
NP Margin | ROE 24.85%  |  12.64%
F.Y. | Ann. Date 31-Dec-2019  |  26-Feb-2020

T4Q Result ( EPS: 139.89, P/E: 13.23 )

Revenue | NP to SH 22,401,965  |  5,430,541
RPS | P/RPS 577.05 Cent  |  3.21
EPS | P/E | EY 139.89 Cent  |  13.23  |  7.56%
DPS | DY | Payout % 73.00 Cent  |  3.95%  |  52.19%
NAPS | P/NAPS 11.15  |  1.66
QoQ | YoY   -1.47%  |    -2.95%
NP Margin | ROE 24.53%  |  12.55%
F.Y. | Ann. Date 31-Mar-2020  |  22-May-2020

Annualized Result ( EPS: 136.96, P/E: 13.51 )

Revenue | NP to SH 22,060,720  |  5,316,304
RPS | P/RPS 568.26 Cent  |  3.26
EPS | P/E | EY 136.96 Cent  |  13.51  |  7.40%
DPS | DY | Payout % -
NAPS | P/NAPS -
QoQ | YoY   -3.54%  |    -5.75%
NP Margin | ROE 24.33%  |  12.29%
F.Y. | Ann. Date 31-Mar-2020  |  22-May-2020



Business Performance

Business Performance (By Quarter)

Trailing 4 Quarters Trailing 8 Quarters
Available Quarters 4 Quarters 8 Quarters
Continuous Quarters Of Revenue Growth 0 / 4 0.00% 0 / 8 0.00%
Total Positive Profit Years 4 / 4 100.00% 8 / 8 100.00%
Continuous Quarters Of Positive Profit 4 / 4 100.00% 8 / 8 100.00%
Continuous Quarters Of Profit Growth 0 / 4 0.00% 0 / 8 0.00%
Continuous Quarters Of Adjusted EPS Growth 0 / 4 0.00% 0 / 8 0.00%
Total Dividend Years 2 / 4 50.00% 4 / 8 50.00%
Continuous Quarters Of Dividend 0 / 4 0.00% 0 / 8 0.00%
Continuous Quarters Of Dividend Growth 0 / 4 0.00% 0 / 8 0.00%
Continuous Quarters Of Adjusted Dps Growth 0 / 4 0.00% 0 / 8 0.00%
Average ROE 3.16% 3.32%
Average Net Profit Margin 24.52% 25.00%

Business Performance (By Year)

Last 5 Financial Years Last 10 Financial Years
Available Years 5 Years 10 Years
Continuous Years Of Revenue Growth 5 / 5 100.00% 10 / 10 100.00%
Total Positive Profit Years 5 / 5 100.00% 10 / 10 100.00%
Continuous Years Of Positive Profit 5 / 5 100.00% 10 / 10 100.00%
Continuous Years Of Profit Growth 0 / 5 0.00% 0 / 10 0.00%
Continuous Years Of Adjusted EPS Growth 0 / 5 0.00% 0 / 10 0.00%
Total Dividend Years 5 / 5 100.00% 10 / 10 100.00%
Continuous Years Of Dividend 5 / 5 100.00% 10 / 10 100.00%
Continuous Years Of Dividend Growth 5 / 5 100.00% 8 / 10 80.00%
Continuous Years Of Adjusted Dps Growth 5 / 5 100.00% 8 / 10 80.00%
Average ROE 14.47% 17.65%
Average Net Profit Margin 26.01% 26.88%

Key Result

Key Result

T4Q Annualized Annual (Unaudited) Last 10 FY Average Last 5 FY Average
Revenue 22,401,965 22,060,720 22,454,734 17,461,340 20,927,796
NP to SH 5,430,541 5,316,304 5,511,558 4,598,401 5,368,246
Dividend 2,833,960 - 2,833,960 2,163,665 2,454,050
Adjusted EPS 139.89 136.96 141.97 118.49 138.35
Adjusted DPS 73.00 0.00 73.00 55.73 63.21

NP to SH = Net Profit Attributable to Shareholder, EPS = Earning Per Share, DPS = Dividend Per Share

All figures in '000 unless specified.

EPS & DPS's figures in Cent.


Growth

Growth (By Quarter)

LQ QoQ LQ YoY CQ YoY LQ vs Average of T4Q LQ vs Average of T8Q
Revenue -2.80% -0.95% -0.95% -1.52% -1.21%
NP to Owner -5.46% -5.75% -5.75% -2.10% -3.57%
Dividend 0.00% 0.00% 0.00% 0.00% 0.00%
Adj. EPS -5.44% -5.73% -5.73% -2.09% -3.55%
Adj. DPS 0.00% 0.00% 0.00% 0.00% 0.00%

LQ = Latest Quarter, CQ = Cumulative Quarter, T4Q = Trailing 4 Quarters, T8Q = Trailing 8 Quarters, QoQ = Quarter on Quarter, YoY = Year on Year

Growth (By Year)

T4Q vs LFY T4Q vs AL5FY T4Q vs AL10FY AQR vs LFY AQR vs AL5FY AQR vs AL10FY LFY YoY LFY vs AL5FY LFY vs AL10FY
Revenue -0.24% 7.04% 28.29% -1.75% 5.41% 26.34% 1.87% 7.30% 28.60%
NP to Owner -1.47% 1.16% 18.10% -3.54% -0.97% 15.61% -1.41% 2.67% 19.86%
Dividend 0.00% 15.48% 30.98% - % - % - % 5.80% 15.48% 30.98%
Adj. EPS -1.47% 1.11% 18.06% -3.53% -1.01% 15.59% -1.66% 2.61% 19.82%
Adj. DPS 0.00% 15.48% 30.98% - % - % - % 5.80% 15.48% 30.98%

T4Q = Trailing 4 Quarters, T8Q = Trailing 8 Quarters, AL5FY = Average of Last 5 Financial Years, AL10FY = Average of Last 10 Financial Years, LFY = Latest Financial Year AQR = Annualized Quarter Result, YoY = Year on Year

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  4 people like this.
 
Nazri sideway
20/06/2020 1:36 AM
Addy revenue drop.... NPL up
20/06/2020 3:51 PM
mf Oil set to resume weekly gains
ENERGY
Saturday, 20 Jun 2020
20/06/2020 5:33 PM
pinnaclegrade another round of OPR cut is expected
21/06/2020 10:39 PM
KG1967 get ready
22/06/2020 12:09 PM
kt_invest If the OPR cut, how low can PBbank drop to?
23/06/2020 11:40 AM
DannyArcher Honestly, I dont think will drop much, it is probably factored in already. Just look at the pricing before and after every OPR cut. Investor already know and expect the cut. I did some reaches, sometimes it goes up a little bit, sometimes it drops a little bit after OPR cut.
23/06/2020 12:52 PM
DannyArcher 22 Jan 2020 -0.25 Before OPR RM19.50 | After OPR RM19.10
03 Mar 2020 -0.25 Before OPR RM17.22 | After OPR RM17.99
05 May 2020 -0.50 Before OPR RM16.10 | After OPR RM16.00
23/06/2020 12:56 PM
Gunplakk Let's hope that the opr will push it down. Come Oct we will need to see if there is significant npl . Which is more concerning... Opr cuts should help the npl a little. But based on the examples... The before the 1st opr cut it was 19.5 and the price after the last opr is 16. So if u draw a linear line... U can correlate a decrease in opr equates to a decrease in share price
23/06/2020 3:46 PM
Gunplakk I guess the question is also will more cuts come after July? Chances are yes.. so means we can probably anticipate more price drops...
23/06/2020 7:04 PM
Michael Kwok Now recommend sanitizer company name Nylex.Medium term less thn 6 month.Even new normal need to use Sanitizer,facemask,glove(glove order book 1 and a half years).Please read below then invest big.Prefer rm 15k per person or more.

Posted by Michael Kwok > Jun 23, 2020 8:05 PM | Report Abuse X

On July 19 I call buy big rm 15k per person at 65 cents.More sectors open up to over 90 over percent.Sanitizer alcohol base is a must even after RMCO as one of the new normal.
Michael Kwok
2128 posts
Posted by Michael Kwok > Jun 19, 2020 12:53 PM | Report Abuse X

No need slowly.Go and buy rm 15k each investor.Follow me.Im also writer(Predict upward)of AT,Anzo,MQ Tech,Vortex (on average 2-2.5 cents before)
23/06/2020 8:24 PM
masterus https://youtu.be/r7fQPRUP2kQ
23/06/2020 9:53 PM
Jeffreyteck Nanyang.... Support level pbb at $9. Laughing stock of the year?
24/06/2020 6:52 AM
NewbiesJC Typo? Haha
24/06/2020 9:25 AM
Kiyoshi Paradise Invest Astro & Astro C-21 - quietly collecting .....!!! Surprise soon.
24/06/2020 4:16 PM
moven00 Darah berlumurun hari ni
25/06/2020 8:48 AM
Gunplakk https://www.thestar.com.my/business/business-news/2020/06/25/concerns-mount-on-banks

Its coming!... more NPLs on the rise... banks will suffer... profits will drop.
25/06/2020 4:55 PM
DeepValueInvestor https://www.marketwatch.com/story/bank-stocks-may-rally-powerfully-once-investors-realize-their-concerns-are-overblown-2020-06-24
https://www.abc.net.au/news/2020-06-26/wall-street-dow-jones-bank-stocks-rise-gfc-restrictions-ease/12394968

Lai, time to fly, banks' QR2 reports will not be as bad as priced in expectations.
26/06/2020 11:46 AM
DeepValueInvestor As for stock picks, KLCI blue chips like Axiata, Maybank, CIMB, GenM, Genting, Sime, MISC, Topglove and Harta should witness rotational buying interests to aid uptrend resumption ahead of the mid-year window dressing.
Source: HLB research highlight

Time to collect before buying interest switch from gloves and gaming to banks. Also, in 2008-2009, some banks despite having -eps in some quarters, the banking stocks just shot up when the recession ended on March 2009 (after QE started on Nov 2008)
26/06/2020 12:13 PM
Gunplakk https://www.youtube.com/watch?v=JPS_BNgsHh0 ..... July 31st US markets may crash as alot of the economic lifelines are coming to an end and Trump is not extending it. 1. July 25th - Evictions resume for federally backed mortgages (around 25% of total mortgages)
2. July 31st - $600 Federal unemployment bonus ends
3. Early October - Student loan payments resume
4. Late October - Mortgage payments resume
5. A second stimulus check, if approved, is almost certainly not going to be received by July 31st to counter these effects
27/06/2020 10:27 AM
Nobita ( I'll be back) Aiseh, banks escape Windfall Tax from Nobita. No worry, after I'm back, I'll look for other windfall tax.
27/06/2020 10:18 PM
Nobita ( I'll be back) Malaysia mudah lupa, Malaysia memang suka-suka kasi windfall tax

https://www.nst.com.my/business/2019/03/470867/finance-minister-hints-...

politik bergolak lagi, ambui....if Tun M menang, Nobita coming back, suka-suka windfall tax coming back oh, kekekekeke

Gloves sektor manyak buat duit wor, dana asing jangan malu-malu....
27/06/2020 10:30 PM
masterus UK (Fitch) credit rating downgrade from AA to AA-

Canada (Fitch) credit rating downgrade from AAA to AA+

Hong Kong (Fitch) credit rating downgrade from AA to AA-

Hong Kong (Moody's) credit rating downgrade from Aa2 to Aa3
30/06/2020 5:16 PM
RainT meow....
02/07/2020 7:23 PM
aarontan1987 sell bank stock
02/07/2020 7:25 PM
03/07/2020 9:26 AM
CatchThe Bull Maybank and Public Bank which bank is stronger in long term?
03/07/2020 2:56 PM
bombominvest continue let it move PPB!
04/07/2020 7:26 AM
bombibistock gogoogo, bom nice TA for PPB! after i click you....
04/07/2020 7:27 AM
meistsk3134 USA election this year with a virus hit. bank sector can buy?
04/07/2020 8:37 AM
IvanC https://www.theedgemarkets.com/article/bnm-cuts-opr-25bps-175
07/07/2020 3:31 PM
DannyArcher @IvanC Price still up after rate cut.... TP25, buy buy buy
07/07/2020 7:56 PM
lausan no worry...
07/07/2020 9:03 PM
SureBo TP25? Sure bo? Is good IF this come true
08/07/2020 1:13 PM
kariwong9394 I believe 18 is the big resistance, probably will drop to 12 when the qr is out
08/07/2020 3:03 PM
Reiko8 @kariwong9394 really
08/07/2020 5:13 PM
leelc99 @kariwong9394 I also believe sky is high and pigs can fly.
08/07/2020 5:23 PM
RedEagle Q2 result true colour for Banking sector
~NPL
~Modification Loss
~Others Income
~Expected Credit Loss
~Lower Disbursement
~Cashflow
08/07/2020 9:54 PM
gungho92 not to mention that many new trading account were opened during MCO time... this will be a new stream of income for the banks.
09/07/2020 1:01 AM
mikeazk rate cut... moratorium... but banking shares still up... Any reason??
09/07/2020 9:51 AM
troy88 PBB always the Mr. Reliable of banks. Good thing I bought some few months ago. The bounce back power of PBB is still as good as before.
09/07/2020 10:05 AM
kariwong9394 @leelc99 Let's see it can fly till how high....or whether the pig is overloaded

I believe those who buy in will regret for their current impulse.
09/07/2020 10:34 AM
MJCHONG I sold out yesterday, will see how high it can go.
09/07/2020 11:53 AM
Sami_Value veli powderfull
09/07/2020 12:26 PM
SureBo Go go go....pbb
09/07/2020 1:41 PM
pinnaclegrade stock market don't make sense anymore o.O
09/07/2020 11:31 PM
gongkia if u look at market in short period like a week or a month or a year, the market looks chaos...
10/07/2020 2:19 AM
DannyArcher come, invest in semiconductor companies such as MPI with good dividend.
10/07/2020 9:49 AM
liyita Careplus gloves are exported to Brazil.

The Brazilian President confirmed the Wuhan virus, Brazil is the hardest hit.

So we are wise to buy Careplus shares!
10/07/2020 10:47 AM
InsiderShark Semiconductor is the future, buy MPI, DUFU, Penta, Frontken for future. Invest some now when it is still cheap. Gloves is temporary only.
10/07/2020 3:38 PM