The Public Bank Bhd http://www.alacrastore.com/company-snapshot/The_Public_Bank_Bhd-1020864 Friday, January 09, 2009 6:11:31 AM 1020864 The Public Bank Bhd en AlacraStore RSS Builder 1.0 30 http://www.alacrastore.com/storecontent/spcred/692224spcred/692224normThe latest Summary from S&Pglobal12/21/2008 11:30:34 PM175Summary692224MalaysiaDiversified BanksAsiaEmerging MarketsGlobal IssuersFinancial InstitutionsSovereignsSummaryThe counterparty credit ratings on Public Bank Bhd. (PBB) reflect the bank's good track record and strong domestic market position, especially in the consumer and middle-market segments, underpinned by good asset quality and strong income generation capability. The second-largest banking group in Malaysia, PBB has a strong focus on its core business of retail banking in the domestic market. By offering competitive pricing to its targeted clientele, the bank has established a sizable presence in the auto financing, housing loans, and small-and-midsize enterprises (SME) segments. The expansion of the group's loan portfolio by 24% in the first half of 2008 (annualized), more than twice the industry average of about 10%, continued the trend of strong, organic loan growth in recentMYS40101010 401010 4010 40Public Bank Bhd.304205ASIAEMERGINGPBK@MKSUMMARYMYS560904Malaysia107432ASIAEMERGINGEUROMIDAFR1124Z@MKGLOBISSFISOVCredit & Investment ResearchS&P Credit Researchhttp://www.alacrastore.com/storecontent/spcred/692223spcred/692223normThe latest Full Report from S&Pglobal12/21/2008 11:30:33 PM400Full Report692223MalaysiaDiversified BanksAsiaEmerging MarketsGlobal IssuersFinancial InstitutionsSovereignsFull ReportTop-tier commercial bank with a strong domestic retail franchise Good track record and sound financial profile underpinned by good asset quality and strong income generation capability Pressure on interest margins compounded by increased competition in the domestic banking sector Declining, but still adequate, capitalization as a result of strong organic growth The counterparty credit ratings on Public Bank Bhd. (PBB) reflect the bank's good track record and strong domestic market position, especially in the consumer and middle-market segments, underpinned by good asset quality and strong income generation capability. The second-largest banking group in Malaysia, PBB has a strong focus on its core business of retail banking in the domestic market. By offering competitive pricing to its targeted clientele, the bankMYS40101010 401010 4010 40Public Bank Bhd.304205ASIAEMERGINGPBK@MKFULLMYS560904Malaysia107432ASIAEMERGINGEUROMIDAFR1124Z@MKGLOBISSFISOVCredit & Investment ResearchS&P Credit Researchhttp://www.alacrastore.com/storecontent/fitch/453997_pr_framefitch/453997_pr_framehtmlFitch Ratings is a leading global rating agency committed to providing the world's credit markets with independent, timely and prospective credit opinions. Built on a foundation of organic growth and strategic acquisitions, Fitch Ratings has grown rapidly during the past decade gaining market presence throughout the world and across all fixed income markets.The Public Bank BhdNanyang Commercial Bank Ltd.Bank of China (Hong Kong) LimitedBank of China Ltd803613098036010580362073803600178036205786971167803613538036132980362193803613258036135212/19/2008 10:21:00 AM010100000101010085Press Release6019881295453997_pr_frameCredit & Investment ResearchFitch ResearchMALAYSIA - The state owned Employees Provident Fund Board acquired a ##.#% stake or ###.### mil ordinary shares in Kuala Lumpur-based Bank Bhd, in a privately negotiated transaction.12/16/2008 3:25:57 PM29216N74439A56090474439AEmployees Provident Fund BoardPublic Bank BhdMalaysiaPublic Bank Bhdhttp://www.alacrastore.com/storecontent/Thomson_M%26A/Employees_Provident_Fund_Board_acquires_a_minority_stake_in_Public_Bank_Bhd-2035330040sdc/20353300402035330040Copyright © 2008, Thomson Financial, All Rights ReservedInsuranceMalaysiaPension, health, and welfare funds6371FFForeignGovernment6371:Pension, health, and welfare funds999A:National governmentKuala LumpCommercial Banks, Bank Holding CompaniesMalaysiaBanks6000FFForeignPublicPBBANK228091001National governmentBkUnspecifiedStock157766003Dec 16 20080.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000001.000002.000003.000004.000005.000006.000007.000008.000009.0000010.0000011.0000012.0000013.0000014.00000Employees Provident FundBoard, located in KualaLumpur, provides pension fundservices. its principalactivities are to receive andcollect contributions, to meetall withdrawals of savings andother benefits to members ortheir beneficiaries uponsatisfaction of any conditionfor withdrawals and to investits monies for the benefit ofits members. It was founded in1951.Employees Provident Fund Board, located in Kuala Lumpur,provides pension fund services. its principal activities areto receive and collect contributions, to meet allwithdrawals of savings and other benefits to members ortheir beneficiaries upon satisfaction of any condition forwithdrawals and to invest its monies for the benefit of itsmembers. It was founded in 1951.Employees Provident Fund Board, located in Kuala Lumpur, provides pension fund services. its principal activities are to receive and collect contributions, to meet all withdrawals of savings and other benefits to members or their beneficiaries upon satisfaction of any condition for withdrawals and to invest its monies for the benefit of its members. It was founded in 1951.1.000002.000003.000004.000005.000006.000007.000008.000009.0000010.0000011.0000012.0000013.0000014.0000015.0000016.0000017.0000018.0000019.0000020.0000021.0000022.0000023.0000024.0000025.0000026.0000027.0000028.00000Public Bank Bhd, located inKuala Lumpur, Malaysia, is aretail banking company withproducts and services in theareas of commercial banking,hire purchase financing,investment banking, creditcards, Islamic banking, sharebroking, sales of trust unitsand management of unit trustfunds, bancassurance andgeneral insurance products andother related financialservices such as trustee andnominee services. The companyhas 240 fullservice bankbranches locally, with 365Automated Teller Machines, 282self-service Cheque DepositMachines and Cash DepositTerminals, Internet banking(PBeBank.com) and telebankingchannels. The company hasoperations overseas in HongKong and China, Vietnam,Cambodia, Laos and Sri Lanka.The company was founded in1965.Public Bank Bhd, located in Kuala Lumpur, Malaysia, is aretail banking company with products and services in theareas of commercial banking, hire purchase financing,investment banking, credit cards, Islamic banking, sharebroking, sales of trust units and management of unit trustfunds, bancassurance and general insurance products andother related financial services such as trustee and nomineeservices. The company has 240 fullservice bank brancheslocally, with 365 Automated Teller Machines, 282self-service Cheque Deposit Machines and Cash DepositTerminals, Internet banking (PBeBank.com) and telebankingchannels. The company has operations overseas in Hong Kongand China, Vietnam, Cambodia, Laos and Sri Lanka. Thecompany was founded in 1965.Public Bank Bhd, located in Kuala Lumpur, Malaysia, is a retail banking company with products and services in the areas of commercial banking, hire purchase financing, investment banking, credit cards, Islamic banking, share broking, sales of trust units and management of unit trust funds, bancassurance and general insurance products and other related financial services such as trustee and nominee services. The company has 240 fullservice bank branches locally, with 365 Automated Teller Machines, 282 self-service Cheque Deposit Machines and Cash Deposit Terminals, Internet banking (PBeBank.com) and telebanking channels. The company has operations overseas in Hong Kong and China, Vietnam, Cambodia, Laos and Sri Lanka. The company was founded in 1965.0.000000.000000.000003365.53000N10 Dec 08Wed, 10 Dec 2008 00:00:00 ESTDate Announced: 12/10/200810 Dec 08Date Effective: 12/10/200810 Dec 08Acq. Part. Int.Friendly0.000000.000000.000000.000000.000000.00000Price/Share0.0000000.000000.0000000.0000014.1000014.100000.000000.000000.0000000.00000N0.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.0000014.100000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000001.000002.000003.000004.000005.000006.000007.00000MALAYSIA - The state ownedEmployees Provident Fund Boardacquired a 14.1% stake or474.540 mil ordinary shares inKuala Lumpur-based Bank Bhd,in a privately negotiatedtransaction.MALAYSIA - The state owned Employees Provident Fund Board acquired a 14.1% stake or 474.540 mil ordinary shares in Kuala Lumpur-based Bank Bhd, in a privately negotiated transaction.MALAYSIA - The state owned Employees Provident Fund Board acquired a 14.1% stake or474.540 mil ordinary shares in Kuala Lumpur-based Bank Bhd, in a privately negotiatedtransaction.MALAYSIA - The state owned Employees Provident Fund Board acquired a 14.1% stake or 474.540 mil ordinary shares in Kuala Lumpur-based Bank Bhd, in a privately negotiated transaction.MALAYSIA - The state owned Employees Provident Fund Board acquired a 14.1% stake or 474.540 mil ordinary shares in Kuala Lumpur-basedBank Bhd, in a privately negotiated transaction.Completed0.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.00000Status:Completed-999.00000np0.00000-999.00000np0.000000.000000.000000.000000.000000.000000.000000.000000.000000.000000.000006000:Banks6153:Short-term business credit institutions6211:Security brokers, dealers, and flotation companies6311:Life insurance6321:Accidental and health insurance6399:Insurance carriers, nec6411:Insurance agents, brokers, and service7375:Information retrieval services3729001Malaysia999AForeignGovernment6000:Banks6153:Short-term business credit institutions6211:Security brokers, dealers, and flotation companies6311:Life insurance6321:Accidental and health insurance6399:Insurance carriers, nec6411:Insurance agents, brokers, and service7375:Information retrieval services157766003Kuala LumpMalaysia6000ForeignPublicPBBANK0.000000.000000.000000.00000Deal InformationTF Mergers & Acquisitionshttp://www.alacrastore.com/storecontent/moodys/PBC_112474moodys/PBC_112474pdf...Moody's assigns a bank financial strength rating (BFSR) of C to Public Bank Berhad (PBB), which translates into a baseline credit assessment of A#. The rating derives from the bank's strong domestic franchise and its sound financial fundamentals. It also considers its aggressive growth in recent years and the risks inherent in the markets in which it operates. Moody's believes that the probability of systemic support for PBB is very high, which results in a two-notch lift in the long-term global local currency (GLC) deposit ratings to A# from the A# baseline credit assessment. However, PBB's ratings for foreign currency obligations are constrained by the foreign currency ceiling of A# for Malaysia. ... 11/14/2008 4:23:26 AMpdfPublic Bank BerhadPublic Bank Berhad600019815300.0000AnalysisAnalysisPBC_112474Credit & Investment ResearchMoody's Global Credit Researchhttp://www.alacrastore.com/storecontent/fitch/447059_pr_framefitch/447059_pr_framehtmlFitch Ratings is a leading global rating agency committed to providing the world's credit markets with independent, timely and prospective credit opinions. Built on a foundation of organic growth and strategic acquisitions, Fitch Ratings has grown rapidly during the past decade gaining market presence throughout the world and across all fixed income markets.Eon Bank BhdCIMB Investment Bank BerhadAlliance Bank Malaysia BerhadThe Public Bank BhdAmBank BerhadRHB Bank Bhd.Malayan Banking BerhadCIMB Bank BerhadAmInvestment Bank BhdAffin Bank BerhadHong Leong Bank Bhd.803602238036106980979836803603758036014780360017803602248036022880360622803599768036216710/31/2008 10:16:00 AM0101010085Press Release129558191155447059_pr_frameCredit & Investment ResearchFitch Researchhttp://www.alacrastore.com/storecontent/fitch/445924_pr_framefitch/445924_pr_framehtmlFitch Ratings is a leading global rating agency committed to providing the world's credit markets with independent, timely and prospective credit opinions. Built on a foundation of organic growth and strategic acquisitions, Fitch Ratings has grown rapidly during the past decade gaining market presence throughout the world and across all fixed income markets.RHB Bank Bhd.CIMB Bank BerhadAmBank BerhadEon Bank BhdDBS Bank LtdMalayan Banking BerhadOversea-Chinese Banking Corporation Ltd.Hong Leong Bank Bhd.The Public Bank BhdAlliance Bank Malaysia BerhadUnited Overseas Bank Ltd. (UOB)Affin Bank Berhad80360622803610698035990780360375803601478036022480362167803600178036022380359704803599058035997610/17/2008 2:18:00 PM0101010085Press Release58191295U111155O39445924_pr_frameCredit & Investment ResearchFitch Researchhttp://www.alacrastore.com/storecontent/moodys/PR_164502_820896418moodys/PR_164502_820896418htmlGlobal Credit Research Rating Action ## OCT #### Rating Action: Public Bank (Hong Kong) Limited Moody's assigns first-time ratings to Cambodian Public Bank Singapore, October ##, #### -- Moody's Investors Service has assigned the following...10/11/2008 1:11:04 AMhtmlPublic Bank (Hong Kong) LimitedCambodian Public BankPublic Bank BerhadCambodian Public Bank; Public Bank (Hong Kong) Limited; Public Bank Berhad820896418807833389600019815150.0000NewsRating ActionPR_164502_820896418Credit & Investment ResearchMoody's Global Credit Researchhttp://www.alacrastore.com/storecontent/fitch/444776_pr_framefitch/444776_pr_framehtmlFitch Ratings is a leading global rating agency committed to providing the world's credit markets with independent, timely and prospective credit opinions. Built on a foundation of organic growth and strategic acquisitions, Fitch Ratings has grown rapidly during the past decade gaining market presence throughout the world and across all fixed income markets.Alliance Bank Malaysia BerhadMalayan Banking BerhadEon Bank BhdThe Public Bank BhdAmBank BerhadCIMB Bank BerhadHong Leong Bank Bhd.Affin Bank BerhadRHB Bank Bhd.80361069803603758036014780360223803599768036062280362167803600178036022410/10/2008 10:14:00 AM0101010085Press Release581911551295444776_pr_frameCredit & Investment ResearchFitch Researchhttp://www.alacrastore.com/storecontent/moodys/PR_158260_820896418moodys/PR_158260_820896418htmlGlobal Credit Research Rating Action ## JUL #### Rating Action: Public Bank (Hong Kong) Limited Moody's assigns A# first-time deposit rating to Public Bank (HK) Hong Kong, July ##, #### -- Moody's Investors Services has assigned first-time...7/12/2008 1:00:36 AMhtmlPublic Bank (Hong Kong) LimitedPublic Bank BerhadPublic Bank (Hong Kong) Limited; Public Bank Berhad820896418600019815150.0000NewsRating ActionPR_158260_820896418Credit & Investment ResearchMoody's Global Credit Researchhttp://www.alacrastore.com/storecontent/fitch/418087_pr_framefitch/418087_pr_framehtmlFitch Ratings is a leading global rating agency committed to providing the world's credit markets with independent, timely and prospective credit opinions. Built on a foundation of organic growth and strategic acquisitions, Fitch Ratings has grown rapidly during the past decade gaining market presence throughout the world and across all fixed income markets.The Public Bank Bhd803600174/23/2008 10:21:12 AM0101010085Press Release1295418087_pr_frameCredit & Investment ResearchFitch Researchhttp://www.alacrastore.com/storecontent/fitch/383526_report_framefitch/383526_report_framepdfFitch Ratings is a leading global rating agency committed to providing the world's credit markets with independent, timely and prospective credit opinions. Built on a foundation of organic growth and strategic acquisitions, Fitch Ratings has grown rapidly during the past decade gaining market presence throughout the world and across all fixed income markets.The Public Bank Bhd803600174/23/2008 10:21:10 AM01010100165Credit Update1295383526_report_frameCredit & Investment ResearchFitch Research