Public Bank Berhad

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Public Bank Berhad

The Public Bank Malaysia was founded in the year 1966. The logo, in modern geometric design, is conceived from two interlocking octagons denoting the domestic and international connections of the Group. The interlocking of the two octagons also suggests security, strength and stability. As per the latest reports Public Bank Malaysia is the largest domestic bank in Malaysia after Malayan Banking Berhad. The Public Bank Malaysia, in terms of its market capitalization, is the largest corporation in Malaysia that is not linked with the Government.  The expansion and progress of the Group are symbolised by the edges of the octagons pointing outwards at various directions. Additionally, the graphic formation of the two interlocking octagons also creates an "eye" of foresight of the organisation.

Industry Of Public Bank Berhad
Public Bank Berhad is an industry leader in hire purchase financing, home mortgage financing and commercial lending to SMEs in Malaysia. The bank has a strong distribution network comprising 248 full service branches in Malaysia and 109 overseas in Hong Kong, China, Vietnam, Cambodia, Laos and Sri Lanka. Public Bank

Product Range Of Public Bank Berhad
Public Bank Berhad in one of the leading providers of integrated financial services in Malaysia. It primarily focuses on providing banking and financial services. The bank is engaged in offering various financial products and services, which includes investment banking, commercial banking, wealth management products, and Islamic banking services.

Target Market Of Public Bank Berhad
The whole Malaysian, Hong Kong, China, Vietnam, Cambodia, Laos and Sri Lanka. Aimed at providing customized banking services and products to individual customers in addition to small business concerns.

Consumer Groups
The core business areas of the Public Bank Group are consumer and retail commercial loans. Individuals and families can find a range of lending solutions to buy residential unit, vehicle or a consumer good. The bank offers home loan, car loan, passenger vehicle hire purchase financing and personal loan at easy terms and conditions. The small and medium sized enterprises, too, can find simplified procedure here to apply for a commercial loan. Position of The Company In Relation To Other Competitors

Public Bank Berhad operates in the Commercial banks sector. This analysis compares Public Bank Berhad with three other companies: Malayan Banking Berhad (2011 sales of 18.28 billion Malaysian Ringgits [US$5.85 billion] of which 25% was Consumer Banking), Cimb Group Holdings Berhad (2010 sales: 16.06 billion Malaysian Ringgits [US$5.14 billion] of which 19% was Foreign Banking Ope), and AMMB Holdings Berhad (2011 sales of 5.83 billion Malaysian Ringgits [US$1.87 billion] of which 46% was Retail Banking).

Company| Sales(blns)| P/E| P/B| Mkt Cap(RMm)| Revenue(RM’000,000)| Public Bank Berhad| 10.345| 13.1| 3.10| 45,067.38| 10,523| Malayan Banking Berhad| 18.278| 13.0| 1.90| 62,592.67| 18,397| Cimb Group Holdings Berhad| 16.059| 13.5| 2.07| 55,597.16| 16,635| AMMB Holdings Berhad| 5.831| 12.2| 1.69| 17,904.26| 6,343|

Market Capital
Revenue

Ratio For Public Bank
| 2008| 2009| 2010|
Current ratio| 120,700,000,000/34,789,000,000=3.47| 137,600,000,000/41,835,000,000=3.29| 156,500,000,000/45,911,000,000=3.41| Quick ratio| 60,656,000,000/34,789,000,000=1.97| 67,986,000,000/41,835,000,000=1.63| 59,269,000,000/45,911,000,000=1.29| Average age of inventory | Impossible since PBB is not involved in trading. No inventories| Impossible since PBB is not involved in trading. No inventories| Impossible since PBB is not involved in trading. No inventories| Average Collection Period| Impossible since PBB is not involved in trading. No sales hence no receivables| Impossible since PBB is not involved in trading. No sales hence no receivables| Impossible since PBB is not involved in...
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