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| KLSE: PBBANK (1295) | PUBLIC BANK BHD | MAIN : Finance |
| Last Price | Today's Change | Day's Range | Trading Volume |
| 19.84 |  -0.14 (0.70%) | 19.78 - 19.98 | 654,800 |
| Trade this stock and win a FREE I3investor T-shirt after 5 trades. Find out more. |
Financials
Market Cap: 77,022 Million
| Latest Audited Result: 31-Dec-2018
| Latest Quarter: 30-Sep-2019 [#3]
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Annual (Unaudited) ( EPS: 144.37, P/E: 14.08 )
| T4Q Result ( EPS: 141.96, P/E: 13.98 )
| Annualized Result ( EPS: 141.01, P/E: 14.07 )
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Business Performance
Business Performance (By Quarter)
| Trailing 4 Quarters | Trailing 8 Quarters | |||
|---|---|---|---|---|
| Available Quarters | 4 Quarters | 8 Quarters | ||
| Continuous Quarters Of Revenue Growth | 2 / 4 | 50.00% | 2 / 8 | 25.00% |
| 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 | 1 / 4 | 25.00% | 1 / 8 | 12.50% |
| Continuous Quarters Of Adjusted EPS Growth | 1 / 4 | 25.00% | 1 / 8 | 12.50% |
| 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 | 3.30% | 3.50% | ||
| Average Net Profit Margin | 24.91% | 25.67% | ||
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% | 9 / 10 | 90.00% |
| 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 | 5 / 5 | 100.00% | 9 / 10 | 90.00% |
| Continuous Years Of Adjusted EPS Growth | 5 / 5 | 100.00% | 9 / 10 | 90.00% |
| 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% | 7 / 10 | 70.00% |
| Continuous Years Of Adjusted Dps Growth | 5 / 5 | 100.00% | 7 / 10 | 70.00% |
| Average ROE | 15.17% | 18.68% | ||
| Average Net Profit Margin | 26.45% | 27.02% | ||
Key Result
Key Result
| T4Q | Annualized | Annual (Unaudited) | Last 10 FY Average | Last 5 FY Average | |
|---|---|---|---|---|---|
| Revenue | 22,412,628 | 22,374,146 | 22,041,785 | 16,187,424 | 19,808,864 |
| NP to SH | 5,511,047 | 5,474,254 | 5,590,611 | 4,298,975 | 5,169,700 |
| Dividend | 2,717,496 | 1,708,140 | 2,678,675 | 2,069,101 | 2,304,299 |
| Adjusted EPS | 141.96 | 141.01 | 144.37 | 110.77 | 133.24 |
| Adjusted DPS | 70.00 | 44.00 | 69.00 | 53.30 | 59.36 |
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 | 0.28% | -0.18% | 2.26% | 0.20% | 1.68% |
| NP to Owner | 2.23% | -1.52% | -1.90% | -1.10% | -2.51% |
| Dividend | 0.00% | 0.00% | 3.13% | 0.00% | 0.00% |
| Adj. EPS | 2.21% | -1.52% | -2.23% | -1.10% | -2.51% |
| Adj. DPS | 0.00% | 0.00% | 3.13% | 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 | 7.45% | 13.14% | 38.46% | 7.27% | 12.95% | 38.22% | 3.76% | 5.30% | 28.85% |
| NP to Owner | 0.75% | 6.60% | 28.19% | 0.08% | 5.89% | 27.34% | 5.05% | 5.81% | 27.24% |
| Dividend | 15.37% | 17.93% | 31.34% | - % | - % | - % | 5.17% | 2.22% | 13.84% |
| Adj. EPS | 0.75% | 6.55% | 28.15% | 0.08% | 5.83% | 27.30% | 5.05% | 5.75% | 27.20% |
| Adj. DPS | 15.37% | 17.93% | 31.34% | - % | - % | - % | 5.17% | 2.22% | 13.84% |
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
 RainT @fbmklci why not buy also MAYBANK, its dividend yield is not bad share price also near 1 year low now 15/10/2019 2:25 PM fmbklci @raint I choose cimb because it dropped to few years low at rm5. buy some to keep. looking at mbb as well. 17/10/2019 11:40 AM factslim1 Of the 22 analysts covering the bank, four have buy calls while 13 have a hold call and five sell calls. The 12-month target price was RM24.49. 18/10/2019 4:43 PM Jeffreyteck Running out of idea to squeeze consumers: Please be informed that with effect from 8 November 2019, the Interest/Profit Payment Mode for all existing Fixed Deposit/Term Deposit-i (FD/TD-i) placements under the Bank’s FD/TD-i Campaigns launched since 2016 will be converted from ‘Monthly Crediting to Current Account/Account-i or Savings Account/Account-i’ to ‘Crediting to Current Account/Account-i or Savings Account/ Account-i Upon Maturity’. Is better under the old regime before merger as small banks are willing to offer better services and interest rates. Regulators and authorities often shouting to minimise income discrepancies but the actions they took always caused more damages. 18/10/2019 10:01 PM Jeffreyteck enigmatic... yes, based on notice received. Luckily some other banks or development banks have not changed yet. Some bod of pbb are used to be regulators, yet they can't wait to squeeze consumers for their own interest. Shame on them. TP15 amidst on going attempts to exploit consumers in addition to potential rate cut, global trade conflicts, new payments players, political environment uncertainty, relatively expensive if based on valuation, and old man syndrome. 19/10/2019 10:26 AM fosther RM1b in customised packaged incentives to woo Fortune 500 and unicorn firms KUALA LUMPUR (Oct 11): The Government is making available RM1 billion in customised packaged incentives to attract investment from Fortune 500 and global unicorn companies in high technologies, manufacturing, creative and new economic sectors. Tabling Budget 2020 in Parliament today, Finance Minister Lim Guan Eng said the RM1 billion incentive will be made available annually over five years. In order to qualify these companies must invest at least RM5 billion each in Malaysia that will generate additional economic activities to support Malaysian small to medium enterprises, creating 150,000 high quality jobs over the next five years and strengthen Malaysia’s manufacturing and service ecosystems. In addition, the Government will also offer Malaysian companies some RM1 billion in customised investment incentives annually over the next five years. According to Lim, this is done to turn Malaysia’s “best and most promising businesses into the most competitive enterprises in global export markets”. The incentives are strictly conditional on recipient companies proving that they are able to grow and export their products and services globally. Lim added that this measure is expected to significantly strengthen Malaysia’s local supply chain ecosystem and lead to the creation of some 100,000 high-quality jobs for Malaysians over the next five years. 20/10/2019 9:34 PM masterus Bank of Thailand Fails to Rein in the Strengthening Thai Baht “The baht could break past the 30 per dollar band at some stage next year, but the degree of currency appreciation is not expected to be too strong” 22/10/2019 1:47 PM Jeffreyteck McKinsey https://www.google.com/amp/s/www.cnbc.com/amp/2019/10/22/nearly-60-percent-of-global-banks-would-not-survive-another-downturn-mckinsey-warns.html 23/10/2019 3:18 PM  mancingbursa Buy 19.24 When come down I thought maybe I was wrong but today give me high five ! 30/10/2019 5:01 PM LouiseS Public Bank had good performance in last five years, earning per share increased steadily from 123.7 to 144.4sen. Company management is good, with return on equity 14.8% and cost to income ratio 33%. With recent dip in the share price, now may be a good time to invest in this counter when P/E ratio still at relatively low level (13.59). Overtime, share price may rebound making it too expensive. Although total annual dividend payout of 70sen per share is quite high, at current share price dividend yield is around 3.62% only, not too attractive to invest for the purpose of dividend return. Could be worthy to invest looking forward to future appreciation of share price. https://louisesinvesting.blogspot.com/2019/10/comments-on-public-bank-berhad-1295.html 30/10/2019 5:32 PM jiunn ***MELETOP ....MELETOP......MELETOP BUY BUY BUY !! STRONG SAPO.....INDEX "1700" COMING END OF YEAR!!! 31/10/2019 10:39 AM masterus Fed Cuts Rates a Quarter Point, Powell Says Policy in Good Place By Christopher Condon and Steve Matthews October 31, 2019, 2:00 AM GMT+8 Updated on October 31, 2019, 9:02 AM GMT+8 Fed chairman says baseline economic outlook remains favorable Policy likely to remain appropriate if data confirm outlook 31/10/2019 2:47 PM RainT very obvious yesterday break 20.00 due to fund support today lembik back to below 20.00 01/11/2019 11:22 AM ahbah KUALA LUMPUR (Nov 4): MIDF Amanah Investment Bank Bhd Research has maintained its positive rating on the Malaysian banking sector as loans growth continued to be stable in September. It also opined that banking stocks at the current juncture continue to be undervalued even though fundamentals remain intact. Its top picks for the sector include Malayan Banking Bhd (Buy, TP: RM10.30), CIMB Group Holdings Bhd (Buy, TP: RM6.30) and Public Bank Bhd (Buy, TP: RM24.00). 04/11/2019 1:06 PM Fabien "The Efficient Capital Allocater" Very stable performance. ROE remains good at 13%. 07/11/2019 5:36 PM Jeffreyteck Bank Negara Malaysia (BNM) is proposing to set a cash transaction limit (CTL) of RM25,000 next year, as part of its initiative to continue curbing financial crimes. A CTL is the cap on the physical cash amount that can be paid per transaction.... haha, later on can start charging more and higher online transactions. 08/11/2019 11:27 AM kaleemtheman Revenue for the quarter ended Sept 30, 2019 was flat at RM5.61 billion against RM5.62 billion previously, according to the bank’s filing with Bursa Malaysia. Net profit for the first nine months of the year was down 1.9% at RM4.11 billion against RM4.19 billion in the same period last year, while revenue rose 2.3% to RM16.78 billion from RM16.41 billion. 08/11/2019 5:07 PM  Vulture123 SRR cut can support growth momentum by providing additional liquidity to the financial system. Banks would have more cash for tactical maneuvering as keeping their funds as SRR would not earn them any return and this will also reduce their cost of funds albeit marginally. Additional liquidity (RM7-8 billion) would help to stimulate lending activities at a time when loan growth has been moderating. Reduction in banks’ cost of funds will widen their margins. There will be buying impetus for banking stocks in the near term at least. 09/11/2019 8:16 AM Fabien "The Efficient Capital Allocater" Book Value BV Growth Q319 10.97 3.98% 2018 10.55 8.99% 2017 9.68 9.26% 2016 8.86 9.52% 2015 8.09 11.43% 2014 7.26 P/BV FV Y1 10.9746 2.0 21.95 2.1 23.05 2.2 24.14 2.3 25.24 2.4 26.34 2.5 27.44 Assume to grow at GDP 4.5% P/BV FV Y2 11.4685 2.0 22.94 2.1 24.08 2.2 25.23 2.3 26.38 2.4 27.52 2.5 28.67 Y3 11.9845 P/BV FV 2.0 23.97 2.1 25.17 2.2 26.37 2.3 27.56 2.4 28.76 2.5 29.96 Possible range of FV depending on P/BV multiple P/BV = market psychology 11/11/2019 4:18 PM  |
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