Kuala Lumpur: Public Bank Bhd recorded a higher net profit of RM7.22 billion in the financial year ended Dec 31, 2025 (FY2025), a 1.1 per cent increase from RM7.14 billion a year ago, supported by healthy loans and financing growth.
Revenue also rose by 8.5 per cent 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 per cent in non-interest and non-financing income.
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In a filing with Bursa Malaysia, the bank said gross loans grew by RM21.6 billion or 5.1 per cent 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 per cent 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 per cent, significantly lower than the industry’s gross impaired loan ratio of 1.37 per cent,” the bank said.
Public Bank said its domestic loan portfolios expanded strongly by 5.9 per cent to RM421 billion, outperforming the Malaysian banking industry’s loan growth of 4.8 per cent, mainly driven by its core financing in the retail and SME segments.
The domestic residential properties financing increased by 5.8 per cent to RM180.3 billion. Hire purchase financing posted a strong growth of 10.1 per cent to RM80.5 billion, while SME financing also grew strongly by 10.6 per cent 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 per cent growth from 2024.
On the domestic front, total deposits grew by 3.8 per cent 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 per cent, 13.9 per cent and 16.6 per cent 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 per cent as at end-December 2025.
Meanwhile, for the fourth quarter (4Q) of FY2025, the bank reported a net profit of RM1.87 billion as compared to RM1.79 billion, while revenue was higher at RM7.42 billion from RM7.05 billion in the same quarter of FY2024.
Managing director and chief executive officer 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 per cent 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, 2026, with the dividend entitlement date on March 12, 2026.
Moving forward, the bank will continue to embrace challenges and opportunities with resilience, striving for continued milestone achievements in the decades ahead.
