public finance limited
Public Finance Limited is a Hong Kong-licensed consumer-finance subsidiary of Malaysia's Public Bank Group, offering personal loans, mortgages, taxi financing, deposits, overdrafts, and hire purchase products to Hong Kong retail customers and small-business operators through branch, mobile, and phone channels.
- Company typePrivate
- Founded-
- HeadquartersHong Kong, Hong Kong SAR China
- Headcount—
- GTM typeB2C
- OfferingServices
public finance limited firmographics
Firmographics- Name
- public finance limited
- Legal name
- 大眾財務有限公司
- Website
- https://publicfinance.com.hk
- Company type
- Private
- Operating status
- Operating
- Short description
- Public Finance Limited is a Hong Kong-licensed consumer-finance subsidiary of Malaysia's Public Bank Group, offering personal loans, mortgages, taxi financing, deposits, overdrafts, and hire purchase products to Hong Kong retail customers and small-business operators through branch, mobile, and phone channels.
- Ownership category
- akta.pro rank
Where public finance limited is headquartered
LocationHeadquarters
- HQ city
- Hong Kong
- HQ country
- Hong Kong SAR China
- HQ region
- Asia
Offices2 records
Markets served
public finance limited business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others
Revenue model
- Interest Income from Personal Loans: Primary revenue from interest charged on personal loan products including tax loans, instant cash loans, green loans, civil servant/professional loans, and personalized rate loans
- Mortgage Loan Interest: Revenue from interest on property mortgage financing
- Taxi Financing: Vehicle financing revenue from taxi fleet operators and individual taxi owners
- Time Deposits Interest Spread: Revenue generated from spread between lending and deposit rates on fixed deposits
- Overdraft and Hire Purchase Fees: Fees and interest from overdraft facilities and installment hire purchase/lease arrangements
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Personalized rate loans with customized interest rates based on customer profile |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels1 record
public finance limited product offering
Product offeringCore offering
Public Finance Limited is a Hong Kong-licensed financial institution that provides personal loans, property mortgages, taxi fleet and owner financing, time deposits, overdraft accounts, and hire purchase/leasing services. It serves individual consumers, civil servants, professionals, business proprietors, and taxi operators through a Hong Kong-wide branch network and a proprietary mobile loan application. The company also offers digital tools including an online loan calculator and supports loan applications through telephone hotlines and web forms.
Differentiator
Problem solved
Functional benefit
Brands
- 大眾財務貸款應用程式 (Public Finance Loan App): Mobile application for loan services
Products and services
- Personal Loans (私人貸款)
- Building Mortgages (樓宇按揭)
- Taxi Financing (的士融資)
- Time Deposits (定期存款)
- Overdraft Accounts (透支戶口)
- Hire Purchase and Leasing (分期租購／租賃)
- Public Finance Loan Mobile Application (大眾財務貸款應用程式)
Companies that use public finance limited
Customer profileSegments4 records
Ideal customer profiles4 records
public finance limited technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
public finance limited partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Winton Group (運通泰集團)minorAffiliated group company under the Public Bank umbrella, mentioned as a group company webpage link on the Public Finance Limited website.
Scale indicators1 record
public finance limited competitors and assessment
Company assessmentDirect peers
- AEON Credit Service Asia: AEON Credit is a Hong Kong-listed consumer finance company offering personal loans, credit cards, and hire purchase — directly comparable to Public Finance's personal loan and installment lending core business in the same Hong Kong consumer market.
- Public Bank (Hong Kong) Limited: Fellow subsidiary of Public Bank Group in Hong Kong offering retail and commercial banking services including deposits and loans; comparable because it operates in the same Hong Kong market with overlapping deposit and lending products under shared group ownership.
- United Asia Finance 亞洲聯合財務: Hong Kong consumer finance company specializing in personal loans and small-business lending with a multi-branch model; directly comparable in product mix (personal loans), customer base (individual consumers), and Hong Kong branch distribution.
- PrimeCredit: Hong Kong consumer finance company providing personal loans, tax loans, and small-business loans; closely comparable as a direct competitor in the Hong Kong personal loan market with similar sub-product specialization.
Emerging players
- WeLab Bank / WeLend: Hong Kong-based virtual bank and digital lender offering personal loans purely through mobile channels; comparable as a direct competitor in the Hong Kong consumer personal loan space but with a fully digital, lower cost-to-serve model.
- K Cash Corporation Limited: Hong Kong-based digital-first consumer finance company focused on personal loans via technology platforms; comparable as an emerging player competing in the same Hong Kong personal loan market with a digital-native model.
Broad incumbents
- BOCOM (Hong Kong) — Bank of Communications HK: Mainland Chinese bank with full Hong Kong banking license offering personal loans, mortgages, and deposits; comparable as a broad incumbent operating in the same Hong Kong consumer lending and deposit market with much wider product scope.
- Citibank (Hong Kong): Global bank operating full retail banking in Hong Kong including personal loans, mortgages, and time deposits; comparable as a broad incumbent competing for the same personal loan and deposit customers Public Finance serves.
- Hong Kong Mortgage Corporation (HKMC): Hong Kong government-owned entity that operates the mortgage insurance program and provides funding support for the mortgage market; comparable because Public Finance offers mortgage products that are influenced by HKMC's insurance and policy role.
Others
- FWD Life Insurance / FWD Group (Hong Kong): Hong Kong financial services group offering consumer financial products; adjacent comparable in the broader Hong Kong personal financial services ecosystem but operates primarily in insurance rather than lending.
Market position
Customer concentration
public finance limited social profiles
Digital presencepublic finance limited financial estimates
Financial estimateRevenue estimate
Valuation estimate
public finance limited leadership team
Management profileNumber of profiles
public finance limited funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
public finance limited 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 finance limited
What does public finance limited do?
Public Finance Limited is a Hong Kong-licensed financial institution that provides personal loans, property mortgages, taxi fleet and owner financing, time deposits, overdraft accounts, and hire purchase/leasing services. It serves individual consumers, civil servants, professionals, business proprietors, and taxi operators through a Hong Kong-wide branch network and a proprietary mobile loan application. The company also offers digital tools including an online loan calculator and supports loan applications through telephone hotlines and web forms.
Is public finance limited a public or private company?
public finance limited is a private company. It is classified as corporate owned and is currently operating.
When was public finance limited founded?
public finance limited was founded in -1.
Where is public finance limited based?
public finance limited is headquartered in Hong Kong, Hong Kong SAR China, in the Asia region.
How does public finance limited make money?
Five revenue lines are on record. Interest Income from Personal Loans are the primary driver. The others are mortgage Loan Interest, taxi Financing, time Deposits Interest Spread and overdraft and Hire Purchase Fees.
Who are public finance limited's main competitors?
Direct peers on record are AEON Credit Service Asia, Public Bank (Hong Kong) Limited, United Asia Finance 亞洲聯合財務 and PrimeCredit. Emerging players are WeLab Bank / WeLend and K Cash Corporation Limited. Broad incumbents are BOCOM (Hong Kong) — Bank of Communications HK, Citibank (Hong Kong) and Hong Kong Mortgage Corporation (HKMC). FWD Life Insurance / FWD Group (Hong Kong) is listed as an others.
Does public finance limited have an API?
No public API is recorded for public finance limited.