Public Bank
- Company typePublic
- Founded1966
- HeadquartersKuala Lumpur, Malaysia
- Headcount5,001–10,000
- GTM typeB2B and B2C
- OfferingServices
Public Bank firmographics
Firmographics- Name
- Public Bank
- Legal name
- Public Bank Berhad
- Website
- https://publicbankgroup.com
- Company type
- Public
- Founded year
- 1966
- Operating status
- Operating
- Headcount range
- 5,001–10,000 employees
- Ownership category
- akta.pro rank
Where Public Bank is headquartered
LocationHeadquarters
- HQ city
- Kuala Lumpur
- HQ country
- Malaysia
- HQ region
- Asia
Offices7 records
Markets served
Public Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others
Revenue model
- Net Interest Income: Interest income from loans, advances and financing activities including residential property financing (20.1% market share), commercial property financing (32.4%), passenger vehicle financing (32.8%), and SME lending. The bank earns interest spread between deposits and lending activities.
- Non-Interest Income: Fee income from bancassurance, unit trust management (43.6% market share in private retail unit trust), share broking services, trustee services, and general insurance products through subsidiaries including Public Mutual, Public Islamic Bank, and Campu Lonpac Insurance.
- Investment Banking: Investment banking services through Public Investment Bank including IPO underwriting, corporate advisory, and capital markets activities.
- Islamic Banking: Shariah-compliant banking products and services through Public Islamic Bank Berhad, including Sukuk Murabahah programmes.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Standard banking services with competitive rates |
Go-to-market motion2 records
Distribution channels7 records
Marketing channels7 records
Public Bank product offering
Product offeringCore offering
Public Bank Berhad is a Malaysian universal bank delivering consumer banking, commercial/SME banking, Islamic banking, investment banking, unit trust management, share broking, trustee services, and general insurance across Malaysia and the Asia-Pacific region. Its core lending franchise spans residential property financing, commercial property financing, passenger vehicle financing, and SME lending, complemented by digital channels including the PBe online banking platform, PB enterprise corporate platform, and PB QR merchant payments. Distribution combines 314 domestic branches, 157 overseas branches across seven countries, and a digital ecosystem spanning PBe, PB enterprise, PB QR, and PB Sustain.
Product overview
Public Bank is a major Malaysian banking group offering a comprehensive suite of financial products and services through multiple channels. The core banking operations include personal banking (PBe online platform), commercial banking, Islamic banking (Public Islamic Bank), and investment banking (Public Investment Bank). The group also operates unit trust management (Public Mutual with 43.6% market share), stock broking, trustee services, and bancassurance. Digital banking services are delivered through PBe for retail customers, PB enterprise for business customers, and PB QR for merchant payments. The group has expanded regionally across Hong Kong, China, Cambodia, Vietnam, Laos, and Sri Lanka through wholly-owned subsidiaries. Recent sustainability initiatives are supported through the PB Sustain platform offering green financing products including solar, EV, and sustainable business financing.
Differentiator
Problem solved
Functional benefit
Brands
- PB Sustain: Sustainable finance platform offering green financing products including solar solutions and EV financing for sustainable economic activities.
- PBe
- PB enterprise
- PB QR
- Red Carpet Banking
Products and services
- PBe (Public Bank Online Banking) Online banking platform for retail customers offering account management, fund transfers, bill payments, share trading, and transaction history viewing.
- PB Enterprise Corporate Banking Online banking platform for business customers providing commercial banking services, cash management, and corporate financial management tools.
- PB QR QR code-based payment acceptance solution enabling merchants to accept digital payments through the DuitNow QR network.
- PB Sustain Sustainability-focused digital platform offering sustainable finance products including solar financing, green financing, and EV vehicle financing for individuals and businesses.
- Share Trading (eBrokerage) Online share trading platform enabling customers to trade shares on Bursa Malaysia and other exchanges.
- Public Islamic Bank Berhad Wholly-owned subsidiary providing Shariah-compliant banking products and services including Islamic personal banking, commercial banking, home financing, and Sukuk Murabahah programmes.
- Public Investment Bank Bhd Subsidiary providing investment banking services including corporate advisory, structuring, capital markets transactions, and IPO underwriting (e.g., Pentech Holdings, Adnex Group IPOs).
- Public Mutual Berhad Wholly-owned subsidiary managing and distributing unit trust funds, with 43.6% market share in Malaysia's private retail unit trust business.
- Public Bank (Hong Kong) Limited Banking subsidiary in Hong Kong providing commercial banking services including personal banking and corporate banking.
- Public Finance Limited Wholly-owned subsidiary in Hong Kong providing finance company services.
- Cambodian Public Bank Plc Wholly-owned banking subsidiary in Cambodia providing commercial banking services.
- Public Bank Vietnam Wholly-owned banking subsidiary in Vietnam providing commercial banking services.
- Public Bank Lao Limited Wholly-owned banking subsidiary in Laos providing commercial banking services.
- Campu Lonpac Insurance Plc 55%-owned subsidiary providing general insurance business in Cambodia.
- Campu Securities Plc Subsidiary providing securities services in Cambodia.
- PB Trustee Services Berhad Wholly-owned subsidiary providing trustee services including estate planning and trust management.
- LPI Capital Berhad 44.15%-owned subsidiary acquired in December 2024, providing insurance and financial services.
- Red Carpet Banking Premium banking services for high-net-worth customers offering personalized relationship management and priority services.
- All-in-One Digital Payment Terminals All-in-one integrated digital payment terminals deployed in partnership with Revenue Group Berhad; the first such integrated terminals rolled out by a Malaysian bank.
Quantifiable outcome
- Lowest gross impaired loans ratio of 0.51% among domestic banks - demonstrating superior asset quality management
- +5 more outcomes
Companies that use Public Bank
Customer profileNamed customers4 records
Segments5 records
Ideal customer profiles5 records
Public Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
Feature4 records
Public Bank partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered core, major and minor.
- LPI Capital BerhadcorePublic Bank acquired 175,896,000 LPI Capital Berhad shares representing 44.15% equity interests from the Estate of the late Tan Sri Dato' Sri Dr. Teh Hong Piow and Consolidated Teh Holdings Sdn Bhd for a total cash consideration of RM1.72 billion. The acquisition was completed on 4 December 2024.
- Revenue Group BerhadmajorPublic Bank launched all-in-one digital payment terminals on 8 November 2018 in partnership with Revenue Group Berhad, being the first bank to roll out such integrated payment terminals in Malaysia.
- American International Assurance Company, Limited (AIA)majorPublic Bank entered into a regional strategic alliance agreement on bancassurance with AIA in October 2013, providing life insurance and bancassurance products to the bank's customers.
- ING PUBLIC Takaful Ehsan BhdmajorJoint venture Takaful company set up by Public Bank and Public Islamic Bank Berhad jointly with ING Management Holdings (Malaysia) Sdn Bhd, launched on 5 April 2011 to provide Shariah-compliant insurance products.
- PayNetmajorPublic Bank was the first bank to adopt Malaysia's National QR standard DuitNow QR launched by PayNet on 17 July 2019, enabling interoperable QR payments across the banking system.
- Bank Negara MalaysiacorePublic Bank operates under regulatory oversight of Bank Negara Malaysia, the central bank of Malaysia, which sets banking regulations, monetary policy, and financial system stability guidelines.
- Perbadanan Insurans Deposit Malaysia (PIDM)corePIDM provides deposit insurance protection and promotes public confidence in the Malaysian financial system. Public Bank is a member of this deposit insurance scheme.
- Winton (B.V.I) LimitedminorWinton (B.V.I) Limited is part of the Public Bank Group, providing financial services in the Hong Kong market.
- Public Merchant Bank BerhadmajorAcquired on 25 October 2000 (then known as Sime Merchant Bank Berhad), expanded the Group's business into merchant banking.
Scale indicators17 records
Recent moves10 records
Expansion highlights6 records
Public Bank competitors and assessment
Company assessmentDirect peers
- CIMB Group Holdings: Major Malaysian-headquartered bank with strong ASEAN footprint across Indonesia, Thailand, Singapore, and Cambodia. Competes directly with Public Bank in Malaysian retail, SME, and investment banking, and is similarly regional in scope.
- Hong Leong Financial Group: Malaysian banking group with community-banking heritage comparable to Public Bank's 'bank for the people' positioning. Operates Hong Leong Bank and Hong Leong Islamic Bank domestically with regional presence in Singapore, Vietnam, and Cambodia.
- RHB Bank Berhad: Malaysian bank with comparable retail and SME focus plus regional presence in Singapore, Thailand, Indonesia, and Brunei. Closest mid-sized peer to Public Bank with similar retail-banking orientation and asset quality discipline.
- AMBB Holdings (AmBank): Malaysian banking group serving retail, SME, and corporate segments with comparable Islamic banking offering through AmBank Islamic. Direct competitor to Public Bank in Malaysian retail deposits, mortgages, and vehicle financing.
- Malayan Banking Berhad (Maybank): Malaysia's largest bank by assets, offering comprehensive retail, commercial, Islamic, and investment banking across ASEAN. Most direct competitor to Public Bank in Malaysian retail and SME banking, with overlapping geographic footprint in Cambodia, Vietnam, and Indonesia.
Regional players
- Bangkok Bank Public Company Limited: Thailand's largest bank by assets with strong regional presence across ASEAN. While primarily Thailand-focused, it is comparable to Public Bank as a leading incumbent retail and commercial bank within its core Southeast Asian home market.
- Bank of Ayudhya (Krungsri): Thailand's fifth-largest bank, majority-owned by MUFG Bank, with strong retail and SME lending franchise. Comparable to Public Bank as a retail-banking-led institution within Southeast Asia, though operating in a different national market.
Broad incumbents
- DBS Group Holdings: Singapore-based largest Southeast Asian bank with full-service retail, wealth, and institutional banking across the region. Comparable to Public Bank in retail banking franchise but substantially larger in scale, wealth management, and digital platform capabilities.
- United Overseas Bank (UOB): Singapore-based bank with established ASEAN regional presence, including UOB Malaysia. Overlaps with Public Bank in Malaysian retail and commercial banking, with broader ASEAN wholesale and trade finance capabilities.
- Oversea-Chinese Banking Corporation (OCBC): Singapore-headquartered bank with strong Malaysian presence (OCBC Malaysia) and broader regional franchise across ASEAN and Greater China. Competes with Public Bank for Malaysian retail and SME banking, while operating a larger wealth management platform.
Market position
Strengths5 records
Weaknesses4 records
Competitive moat6 records
Key risks5 records
Key highlights7 records
Customer concentration
Public Bank social profiles
Digital presencePublic Bank compliance and trust
Trust signalCompliance3 records
Public Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Public Bank leadership team
Management profileNumber of profiles
Profiles12 records
Public Bank subsidiaries and ownership
Company hierarchySubsidiaries12 records
Public Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Public Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Public Bank
What does Public Bank do?
Public Bank Berhad is a Malaysian universal bank delivering consumer banking, commercial/SME banking, Islamic banking, investment banking, unit trust management, share broking, trustee services, and general insurance across Malaysia and the Asia-Pacific region. Its core lending franchise spans residential property financing, commercial property financing, passenger vehicle financing, and SME lending, complemented by digital channels including the PBe online banking platform, PB enterprise corporate platform, and PB QR merchant payments. Distribution combines 314 domestic branches, 157 overseas branches across seven countries, and a digital ecosystem spanning PBe, PB enterprise, PB QR, and PB Sustain.
Is Public Bank a public or private company?
Public Bank is a public company. It is classified as public and is currently operating.
When was Public Bank founded?
Public Bank was founded in 1966. It employs 5,001 to 10,000 people.
Where is Public Bank based?
Public Bank is headquartered in Kuala Lumpur, Malaysia, in the Asia region.
How does Public Bank make money?
Four revenue lines are on record. Net Interest Income is the primary driver. The others are non-Interest Income, investment Banking and islamic Banking.
Who are Public Bank's main competitors?
Direct peers on record are CIMB Group Holdings, Hong Leong Financial Group, RHB Bank Berhad, AMBB Holdings (AmBank) and Malayan Banking Berhad (Maybank). Regional players are Bangkok Bank Public Company Limited and Bank of Ayudhya (Krungsri). Broad incumbents are DBS Group Holdings, United Overseas Bank (UOB) and Oversea-Chinese Banking Corporation (OCBC).
Does Public Bank have an API?
No public API is recorded for Public Bank.