When pbbank is rm30 n tg rm3 i will go back n laugh at them...sorry in advance...

Now u come here n tell me why i insult them...

I went back again n gave an opinion..i kena kaw kaw...so wat u expect me to do...i got no reward lor,... no reward...only curses to when i told them sell tg at 8.7 n buy pbbank at 15...thats ur gloves ...!

Let me tell u why ok...listen..back in end oct i went to gloves to share an opinion...i said its time to sell gloves n buy banks pbbank hlbank....
Those evil souls there..attacked me...
Cursed my family said i will die..told me buy nirvana plot...
That was when tg was 8.7 n pbbank 15...
Now u get why i went back there to tell them u ??

Sharefisher@ go back to.end oct begining nov n see me there saying buy target rm25

Public bank listed in 1967...
Many people own its share got cos zero....

Buy more buy more

Buy buy buy

Topglove got bitten by pfizer not sore eyes la..wat u people talking here...

Lol@faizal u banyak kuat..anak jantan..hari ini maybank pun jatuh la..lol..

Lol yes ah?? Sell la we buy..

The best way to know about the future of a company is through its past....
For public bank the future is digital banking...maybe thats the reason for bonus is enticipating future earnings..
If topglove can give bonus cos tg boss knows future profits going up...u think tan sri teh boss give u bonus why ah??

The fifth perspective

It is easy to judge a company from our personal experiences. However, that could be a big mistake. My personal experience at Public Bank was not a pleasant one but if I am making an investment decision purely based on that experience, I would be making a big blunder. That is because my own experience is just a sample size of one and could be highly inaccurate.

After all, the company’s track record and financials certainly paint a much brighter picture than my experience.  Therefore, when researching on a company, always look at it from all perspectives. Your personal experiences combined with the company’s track record, financials, peer comparison, and maybe even an interview with its customers and employees will give you a much better picture of the whole operation.

AnalysisBursa4 reasons why Public Bank could have made you a millionaire today

 Stanley Lim, CFAJune 1, 2017

I recently opened a bank account at Public Bank. When I was at the branch, it was noisy, chaotic and felt like a visit to a government department. I had to fill up an account opening form that was badly photocopied, waited in line for close to an hour before finally getting my bank account opened. I was issued a savings account passbook — the type where you have to slot into an ATM to update its balance.

Yes, it is 2017 but that’s how an average person still opens an account at Public Bank. It may be very old school and given that Public Bank Berhad (Bursa: 1295) is the third largest bank in Malaysia by asset size, one would assume there are easier ways to open a bank account electronically.

However, I know one group of people who are not complaining: Public Bank’s long-term shareholders. Public Bank has been one of the best-performing stocks in Malaysia over the past twenty years. If you invested in Public Bank in 1992 and reinvested your dividends, do you know who you would be today?

You would be a millionaire.

If you invested about RM15,000 in Public Bank’s shares in 1992 and reinvested the dividends, you would be sitting on RM1 million worth of Public Bank shares today.

Over the past 25 years, the bank has returned more than 6,500% to its shareholders. That is about 20% annual returns on average. No wonder you always hear cheers and praise for Public Bank’s founder and chairman, Tan Sri Teh Hong Piow, and it was no different at Public Bank’s most recent AGM.

So what is driving all that growth in Public Bank over the past two decades?

1. Tight cost control. It all comes down to detail to cost and profitability. Public Bank is one of the few banks that has been consistently generating stronger and stronger profit every year. The bank has achieved that by putting strict controls on cost (hence the poorly photocopied form). Its cost to income ratio is only 32% for 2016. In comparison, most banks in Singapore has a cost to income ratio of more than 40%.

2. Rising profits. Over the past decade, Public Bank has been able to grow its net profit from RM1.7 billion to RM5.2 billion. That is an annual growth rate of 11.8%, very impressive for a large bank.

Source: Company Annual Reports

More importantly, one key reason why Public Bank has been a favourite among investors in Malaysia is due to the positive relationship between its earnings and its dividend per share.

In the past five years, Public Bank’s dividend payout ratio has been around 40% to 45% of earnings. Thus, Public Bank’s dividend tends to grow in tandem with its earnings, allowing shareholders to benefit directly from its growing profitability every year.

Source: Company’s Annual Reports

3. High return on capital. Public Bank has been able to achieve a return on asset ratio of about 1.8% for the past five years. This means for every RM100 in assets that the bank holds, it has been able to generate a profit of RM1.80.

It may seem like a very low return on asset figure, especially if you compare this to other industries like the medical or utility industries. However, for a bank that is a stellar return on capital. In comparison, its peers such as Malayan Banking or CIMB Group Holdings have been ranging around 0.75% to just 1.3% over the same period.

This shows Public Bank’s superior ability in managing its assets compared to its peers. Therefore, behind the image of an old, crowded, and chaotic firm is a highly efficient operation at work within the bank.

4. The role of the founder. The high return on capital and the low cost to income ratio can all be pointed to having a strong leader at the helm of the company. Tan Sri Teh Hong Piow continues to hold about 24% of the company, which contributes the majority of his personal wealth. Therefore, he has a very strong incentive to maintain Public Bank’s operational excellence and the dividend policy. Public Bank is one of the few banks left in Malaysia that is still managed and owned by its founding shareholders.

Expensive valuation and key man risk

All these factors have pushed Public Bank to one of the highest valued banks in the region. It still trades at about 2.3 times its book value and only offers a low yield of 2.9%. Its largest competitor, Malayan Banking, only trades at 1.4 times its book value with a 4.5% dividend yield.

Moreover, there are questions surrounding what will happen to Public Bank after Teh Hong Piow. After all, Tan Sri Teh is 87 this year and none of his children have expressed any interest in the business. Although the bank has a solid group of top managers in place for many years, it is still unclear how the bank will change when it transitions from an owner-led bank to a professionally-run financial institution.

The fifth perspective

It is easy to judge a company from our personal experiences.

Unker sifu advice u poor little people..dont buy pbbank sell it...buy affin n mbsb...public bank not for u..public bank for elite rich people only..

Everyone want to write.u buy topglove shares in 2001 now worth how much


You go count public bank shares n see laa..since listed till now u own how much??try lor.

Anyone want argue with me ah..no point cos i dont facts on qr report to give..i only give unker auntie stories on public bank..u want to hear up to u lor ...

If u cant afford dont buy...or sell...there will be people here to buy...no issue..no point arguing or analysing too much....if ur wife analyse buy handbag like this ah..1 year oso no buy handbag wor...

Same function lv n couch or pasar malam bag worr..
So thats the difference between little people n elite ok...so public bank got elite status in its name people pay premium...

U ask any auntie about hand bags.
She will say carry stuff inside lorr.
Then u pasar malam buy rm15 handbag good oso same function right?.why people pay premium until backside oso pain want to pay for LV...

I repeat public bank shares r for the elite ok..no point u buy n everyday look at it think when sell when buy...u better go buy cheap shares...public bank shares....r for buy hold enjoy n pass to ur kids...

Those who cant afford public bank dont buy it lorrr....u want to wait to buy u wait lorrr...public bank no care la...u think public bank loser stock ah like topglove have to do so.much share buy back when its price go down..lol...

Compare public bank and maybank like compare LV n couch....lol...

Public bank not for poor little people wor ...its like LV ...u buy for owning it snd enjoying it...most people dont understand why people pay so much for LV...only those loyal and own LV WILL KNOW...so if u r poor or little people u better sell public bank n hand ur tickets to rich big people ok little people@kevintam LOL

Yes now can buy good price....

No peak...going up....

Public bank is king of bursa..king of lobg term share holding...u buy n hold u make money..simple easy to understand not much IQ Required ...

Yes adding aldy...

Gem of a share..buy hold n enjoy

Wow excellent qr results...great counter..buy n hold long term.goldmine

Yes@shquah correct agree...

Yes all weaklings should be gone....

Apa jual?? Sapo jual pbbank gila lar

OMG unker cant imagine the poor souls who sold pbbank at rm12 rm15 rm17 rm 21 n thot sell now n buy cheaper later now rm22...lets hope that is a lesson to others..ur tickets once sold chance of getting it back is slim...beware....

U offer me rm30 oso i no sell wor...i leave this for my kids n grand kids...i takut if i ever sell will not be able to get my tickets back..pity those who sold n hoping to buy back..i really doubt that chance will ever come....

Yes true...public bank low profile premium share..dont want to attract too much attention....steady is good...

Nice and easy public bank...
Teh Teh hurray
Teh Teh hurray

Continue wishing epf sell n others sell..while u wishing n distracted..u will see pbbank go up up up up...lol...then u will lend up buying at rm25 n rm30 lol..thats public bank...

Epf is even more loyal pbbank holder then me oso ..lol...

Yes right...epf owns 16.3% pbbank..sell a few is ok..but i think its negligible...epf smart show u sell buy via proxies

AYE AYE@APPLE168

Yes correct@gorenghealthcare

TEH TEH HURRAY
TEH TEH HURRAY

I see new money coming into publicbank from.fds n gloves profits...i say again...rm25 n rm30 will be soon before end march 2021...this is only by experience of have pbbank for so long sorry i cant give u numbers for this...
Rm25 soon n ex bonus rm6(rm30)

Public bank share dont depend on epf as its tightly held...buy the owner . Public mutual. N some old unkers n aunties...epf uses public bank as pillar of its portfolio with the above in mind....

We here at public bank accept all opinions with no anger or hate..
U want to buy u buy . U want to sell u sell. Give others chance to buy...we all r loyal shareholders who have become rich n happy with publicbank...
Teh Teh hurray
Teh Teh hurray

https://news.yahoo.com/moderna-vaccine-appears-protect-against-132800457.html

Yes true...we want strong holders not weak pussies who sell after 20cents gain...

Dont play play with public bank la guys..u better hold tight....

Yes now all the way huat ah....lai lai lai $$$