KUALA LUMPUR: Public Bank Bhd recorded a higher net profit of RM7.22 billion in the financial year ended Dec 31, 2025 (FY25), a 1.1% increase from RM7.14 billion a year ago, supported by healthy loan and financing growth.
Revenue rose by 8.5% to RM29.51 billion from RM27.21 billion in the same period last year, underpinned by healthy growth in loan and deposit businesses, further complemented by a robust growth of 15.2% in non-interest and non-financing income.
In a filing with Bursa Malaysia, the bank said gross loans grew by RM21.6 billion or 5.1% to RM445.8 billion as at Dec 31, 2025 compared to RM424.2 billion the year-end before, mainly contributed by growth in domestic mortgage financing, hire purchase financing and SME financing.
“Total deposits from customers increased by RM13.8 billion or 3.2% over the same period to RM447.1 billion as at Dec 31, 2025. The group’s gross impaired loans ratio remained stable at 0.51%, significantly lower than the industry’s gross impaired loan ratio of 1.37%,” the bank said.
Public Bank said its domestic loan portfolios expanded strongly by 5.9% to RM421 billion, outperforming the Malaysian banking industry’s loan growth of 4.8%, mainly driven by its core financing in the retail and SME segments.
The domestic residential properties financing increased by 5.8% to RM180.3 billion. Hire purchase financing posted a strong growth of 10.1% to RM80.5 billion, while SME financing also grew strongly by 10.6% to RM79.6 billion.
The bank’s total customer deposits stood at RM447.1 billion as at the end of December 2025, representing a 3.2% growth from 2024.
On the domestic front, total deposits grew by 3.8% to RM419.0 billion, supported by core deposits and money market deposits.
Meanwhile, Public Bank’s capital position remained well-capitalised in 2025, with Common Equity Tier 1 capital ratio, Tier 1 capital ratio and total capital ratio standing at 13.9%, 13.9% and 16.6% respectively.
Its strong deposit franchise continued to support a healthy funding position, as reflected in its gross loan-to-fund and equity ratio of 84.1% as at end-December 2025.
Meanwhile, for the fourth quarter of FY25 (Q4’25, the bank reported a net profit of RM1.87 billion compared to RM1.79 billion, while revenue was higher at RM7.42 billion from RM7.05 billion in the same quarter of FY24.
Managing director and CEO Tan Sri Tay Ah Lek said the board of directors has declared a second interim dividend of 12 sen per share. Coupled with the first interim dividend of 10.5 sen per share declared in August 2025, the total dividend for 2025 amounted to 22.5 sen.
“This represents a total payout of RM4.37 billion or 60.5% of its net profit for 2025, in line with the group’s full-year dividend payout target.
The second interim dividend is scheduled for payment on March 26, with the dividend entitlement date on March 12.
Moving forward, the bank will continue to embrace challenges and opportunities with resilience, striving for continued milestone achievements in the decades ahead. – Bernama
