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Five-Year Financial Highlights
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Financial Ratios
A+
A
A-
2019
2018
2017
2016
2015
Profitability Ratios (%)
Net interest margin on average interest bearing assets
2.2
2.2
2.3
2.2
2.2
Net return on equity
1
13.6
14.8
15.8
16.5
17.8
Return on average assets
1.7
1.7
1.8
1.8
1.8
Return on average risk-weighted assets
2.6
2.7
2.8
2.7
2.8
Cost/income ratio
34.4
33.0
31.9
32.3
30.5
Productivity Ratios
No. of employees
19,260
18,721
18,553
18,651
18,373
Gross loans per employee (RM'000)
17,158
16,949
16,410
15,761
14,883
Deposits per employee (RM'000)
18,346
18,117
17,208
16,620
16,391
Profit before tax per employee (RM'000)
370
379
384
351
353
Asset Quality Ratios (%)
Gross loans to fund ratio
88.9
88.4
90.0
90.8
86.8
Gross loans to fund and equity ratio
79.2
79.0
80.7
81.8
78.7
Gross impaired loans ratio
0.5
0.5
0.5
0.5
0.5
Loan loss coverage
-Exclude regulatory reserve
124.1
126.0
95.5
102.7
120.8
-Include regulatory reserve
249.8
237.5
256.5
248.5
258.6
Capital Adequacy Ratios (%)
2
Common Equity Tier I ("CET I") capital ratio
13.5
13.1
12.2
11.4
10.9
Tier I capital ratio
13.5
13.7
13.0
12.2
12.0
Total capital ratio
16.8
16.3
16.0
15.5
15.4
1
Based on equity attributable to equity holders of the Bank, adjusted for dividend declared subsequent to year end.
2
After deducting second interim dividend declared subsequent to year end.
Financial Information
Quarterly Financial Results
Annual Reports
Extraordinary General Meeting
Circular to Shareholders
Administrative Details
Form of Proxy
Notice of EGM
Annual General Meeting
Abridged Minutes of PBB 54th AGM
Presentation Slides on PBB 2019 Financial Performance
MSWG Questions and Answers Provided
Summary of Questions Submitted by Shareholders and Answers Provided
Notice of PBB 54th AGM
Administrative Details
Form of Proxy
Share & Dividend Information
Share Information
Dividend Information
Five-Year Financial Highlights
Group Financial Highlights
Financial Ratios
Capital & Debt Securities
Credit Ratings
Investor Relations Team
Investor Roadshows