Public Bank Bhd
Public Bank Berhad provides banking products and services. It operates through Hire Purchase, Retail Operations, Corporate Lending, Treasury and Capital Market Operations, Investment Banking, Fund Management, and General Insurance segments. The company's deposit products include savings, current, fixed deposit, foreign currency, and safe deposit box services. Its loan portfolio comprises home, SW… Read more
Public Bank Bhd (1295) - Net Assets
Latest net assets as of September 2025: RM60.50 Billion MYR
Based on the latest financial reports, Public Bank Bhd (1295) has net assets worth RM60.50 Billion MYR as of September 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (RM555.64 Billion) and total liabilities (RM495.14 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | RM60.50 Billion |
| % of Total Assets | 10.89% |
| Annual Growth Rate | -3.12% |
| 5-Year Change | 23.17% |
| 10-Year Change | 84.62% |
| Growth Volatility | 24.79 |
Public Bank Bhd - Net Assets Trend (2005–2024)
This chart illustrates how Public Bank Bhd's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Public Bank Bhd (2005–2024)
The table below shows the annual net assets of Public Bank Bhd from 2005 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | RM59.65 Billion | +5.79% |
| 2023-12-31 | RM56.38 Billion | +9.42% |
| 2022-12-31 | RM51.53 Billion | +4.25% |
| 2021-12-31 | RM49.43 Billion | +2.06% |
| 2020-12-31 | RM48.43 Billion | +8.23% |
| 2019-12-31 | RM44.75 Billion | +6.29% |
| 2018-12-31 | RM42.10 Billion | +9.50% |
| 2017-12-31 | RM38.45 Billion | +8.71% |
| 2016-12-31 | RM35.36 Billion | +9.46% |
| 2015-12-31 | RM32.31 Billion | +11.89% |
| 2014-12-31 | RM28.87 Billion | +36.22% |
| 2013-12-31 | RM21.20 Billion | -92.19% |
| 2012-12-31 | RM271.58 Billion | +14.06% |
| 2011-12-31 | RM238.09 Billion | +9.10% |
| 2010-12-31 | RM218.23 Billion | +2.39% |
| 2009-12-31 | RM213.15 Billion | +11.52% |
| 2008-12-31 | RM191.12 Billion | +11.55% |
| 2007-12-31 | RM171.34 Billion | +18.53% |
| 2006-12-31 | RM144.55 Billion | +32.70% |
| 2005-12-31 | RM108.93 Billion | -- |
Equity Component Analysis
This analysis shows how different components contribute to Public Bank Bhd's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 4481144600000.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | RM44.81 Billion | 78.16% |
| Common Stock | RM9.42 Billion | 16.43% |
| Other Comprehensive Income | RM3.54 Billion | 6.18% |
| Total Equity | RM57.34 Billion | 100.00% |
Public Bank Bhd Competitors by Market Cap
The table below lists competitors of Public Bank Bhd ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Viatris Inc
NASDAQ:VTRS
|
$15.45 Billion |
|
EchoStar Corporation
NASDAQ:SATS
|
$15.45 Billion |
|
Entegris Inc
NASDAQ:ENTG
|
$15.47 Billion |
|
Incyte Corporation
NASDAQ:INCY
|
$15.49 Billion |
|
Rentokil Initial PLC
NYSE:RTO
|
$15.41 Billion |
|
Hangzhou Hikvision Digital Technology Co Ltd
SHE:002415
|
$15.39 Billion |
|
Bharat Electronics Limited
NSE:BEL_old
|
$15.34 Billion |
|
CF Industries Holdings Inc
NYSE:CF
|
$15.33 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Public Bank Bhd's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 54,674,349,000 to 57,335,494,000, a change of 2,661,145,000 (4.9%).
- Net income of 7,147,031,000 contributed positively to equity growth.
- Dividend payments of 3,892,299,000 reduced retained earnings.
- Other comprehensive income increased equity by 731,575,000.
- Other factors decreased equity by 1,325,162,000.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | RM7.15 Billion | +12.47% |
| Dividends Paid | RM3.89 Billion | -6.79% |
| Other Comprehensive Income | RM731.58 Million | +1.28% |
| Other Changes | RM-1.33 Billion | -2.31% |
| Total Change | RM- | 4.87% |
Book Value vs Market Value Analysis
This analysis compares Public Bank Bhd's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.62x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 10.46x to 1.62x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2005-12-31 | RM0.46 | RM4.80 | x |
| 2006-12-31 | RM0.48 | RM4.80 | x |
| 2007-12-31 | RM0.49 | RM4.80 | x |
| 2008-12-31 | RM0.52 | RM4.80 | x |
| 2009-12-31 | RM0.59 | RM4.80 | x |
| 2010-12-31 | RM0.69 | RM4.80 | x |
| 2011-12-31 | RM0.79 | RM4.80 | x |
| 2012-12-31 | RM0.95 | RM4.80 | x |
| 2013-12-31 | RM1.08 | RM4.80 | x |
| 2014-12-31 | RM1.53 | RM4.80 | x |
| 2015-12-31 | RM1.62 | RM4.80 | x |
| 2016-12-31 | RM1.77 | RM4.80 | x |
| 2017-12-31 | RM1.94 | RM4.80 | x |
| 2018-12-31 | RM2.12 | RM4.80 | x |
| 2019-12-31 | RM1.80 | RM4.80 | x |
| 2020-12-31 | RM1.95 | RM4.80 | x |
| 2021-12-31 | RM2.48 | RM4.80 | x |
| 2022-12-31 | RM2.59 | RM4.80 | x |
| 2023-12-31 | RM2.82 | RM4.80 | x |
| 2024-12-31 | RM2.96 | RM4.80 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Public Bank Bhd utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 12.47%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 30.50%
- • Asset Turnover: 0.04x
- • Equity Multiplier: 9.47x
- Recent ROE (12.47%) is below the historical average (17.46%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2005 | 18.04% | 26.26% | 0.05x | 13.04x | RM688.90 Million |
| 2006 | 19.87% | 23.79% | 0.05x | 16.36x | RM891.76 Million |
| 2007 | 23.57% | 23.63% | 0.05x | 18.64x | RM1.27 Billion |
| 2008 | 27.50% | 25.46% | 0.05x | 20.57x | RM1.67 Billion |
| 2009 | 23.15% | 27.02% | 0.04x | 19.70x | RM1.45 Billion |
| 2010 | 23.78% | 29.93% | 0.05x | 17.37x | RM1.80 Billion |
| 2011 | 24.79% | 31.10% | 0.05x | 16.78x | RM2.20 Billion |
| 2012 | 21.33% | 29.68% | 0.05x | 15.30x | RM2.03 Billion |
| 2013 | 19.90% | 29.13% | 0.05x | 14.97x | RM2.02 Billion |
| 2014 | 16.12% | 29.39% | 0.04x | 12.34x | RM1.72 Billion |
| 2015 | 16.21% | 29.12% | 0.05x | 11.65x | RM1.94 Billion |
| 2016 | 15.22% | 28.76% | 0.05x | 11.11x | RM1.79 Billion |
| 2017 | 14.64% | 29.40% | 0.05x | 10.58x | RM1.73 Billion |
| 2018 | 13.64% | 28.61% | 0.05x | 10.24x | RM1.49 Billion |
| 2019 | 12.64% | 27.62% | 0.05x | 9.93x | RM1.15 Billion |
| 2020 | 10.31% | 26.60% | 0.04x | 9.55x | RM146.87 Million |
| 2021 | 11.74% | 31.95% | 0.04x | 9.61x | RM840.26 Million |
| 2022 | 12.20% | 31.88% | 0.04x | 9.83x | RM1.10 Billion |
| 2023 | 12.16% | 30.11% | 0.04x | 9.34x | RM1.18 Billion |
| 2024 | 12.47% | 30.50% | 0.04x | 9.47x | RM1.41 Billion |
Industry Comparison
This section compares Public Bank Bhd's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $8,775,948,714
- Average return on equity (ROE) among peers: 11.64%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Public Bank Bhd (1295) | RM60.50 Billion | 18.04% | 8.18x | $15.42 Billion |
| CIMB Group Holdings Bhd (1023) | $11.11 Billion | 9.27% | 9.22x | $13.86 Billion |
| RHB Bank Bhd (1066) | $23.18 Billion | 8.41% | 8.93x | $4.88 Billion |
| Hong Leong Financial Group Bhd (1082) | $6.15 Billion | 13.44% | 12.60x | $954.09 Million |
| Malaysia Building Society Bhd (1171) | $1.13 Billion | 28.80% | 14.37x | $508.39 Million |
| Alliance Financial Group Bhd (2488) | $3.43 Billion | 11.93% | 9.54x | $990.26 Million |
| AFFIN Holdings Bhd (5185) | $9.64 Billion | 2.39% | 6.22x | $633.53 Million |
| Bank Islam Malaysia Bhd (5258) | $6.80 Billion | 7.23% | 12.22x | $601.69 Million |