Public Bank Berhad is one of Malaysia’s most trusted and financially sound banking institutions, renowned for its consistent growth, customer-first philosophy, and rock-solid performance. Founded in 1966 and listed in 1967, it has grown into a regional financial powerhouse—ranking first in shareholder funds, second in market capitalization, and third in total assets nationwide. With a sharp focus on retail banking and SME support, along with its seamless digital transformation, Public Bank continues to prove that stability and innovation can go hand in hand.
1. From a Humble Bank to a Regional Financial Titan: The Rise of Public Bank
Founded in 1966 by Malaysian banking legend Tan Sri Dato’ Sri Dr. Teh Hong Piow, Public Bank Berhad quickly made its mark by going public on the Malaysian Stock Exchange in 1967, just one year after its establishment. With a steadfast philosophy of “customer first, integrity always,” the bank charted a growth path grounded in trust, discipline, and long-term vision.
Today, Public Bank Berhad stands as Malaysia’s largest bank by shareholder funds, the second-largest in market capitalization, and the third-largest by total assets, trailing only behind Maybank and CIMB. It has firmly positioned itself as a benchmark of financial stability in Southeast Asia.
2. Public Bank Berhad Not Just a Bank — A Complete Financial Ecosystem
Public Bank Berhad is far more than a place to deposit and withdraw money. It has evolved into a comprehensive financial services provider offering:
- Retail banking: savings, personal loans, home financing, credit cards
- Business and SME banking: flexible lending for small and medium enterprises
- Islamic banking & investment banking services
- Stockbroking, trustee services, and unit trust fund management
- Bancassurance and general insurance products
Whether you’re a young graduate saving for your first car or a growing business seeking expansion capital, Public Bank Berhad offers tailored financial solutions for every stage of life.
3. Strategic Focus: Retail and SME – The Twin Engines of Sustainable Growth
Unlike many competitors that focus heavily on large corporate lending, Public Bank Berhad concentrates on retail consumers and SMEs (Small and Medium Enterprises). This “down-to-earth” strategy has proven to be a masterstroke — retail banking yields steady returns, and SMEs form the backbone of Malaysia’s economy.
With its user-friendly digital platforms, competitive loan packages, and neighborhood-style customer service, Public Bank has successfully built loyalty among everyday consumers and entrepreneurs alike.
4. Innovation Beneath Stability: A Traditional Bank’s Digital Leap
While many may label Public Bank as “traditional,” the truth is that it is technologically agile and forward-thinking. From its PB engage MY mobile banking app to the PB enterprise business platform, Public Bank is actively pushing toward digital modernization.
Additionally, it has enhanced cybersecurity systems and incorporated AI in credit risk management. The bank is also embracing ESG (Environmental, Social, Governance) initiatives, offering green loans and sustainable investments. Public Bank Berhad exemplifies how tradition can evolve without losing its core values.
5. Public Bank Berhad | Crisis-Proof and Steadfast: A Masterclass in Banking Resilience
Through multiple global crises — including the Asian Financial Crisis, the Global Financial Crisis, and the COVID-19 pandemic — Public Bank Berhad has remained consistently profitable, without mass layoffs or instability. That track record is not just impressive; it’s extraordinary.
International rating agencies consistently rank Public Bank among Asia’s most robust banks, and its accolades from Forbes, The Asian Banker, and other global publications affirm its legendary status.
6. Not the Flashiest, but Definitely the Most Reliable
Public Bank Berhad’s journey proves one powerful truth: in banking, consistent trust beats momentary trends. Without relying on gimmicks or speculative ventures, the bank has built a rock-solid reputation through over 50 years of sustainable growth.
In a world of financial noise and volatility, Public Bank is like an unsinkable wealth carrier — quietly but confidently steering millions toward financial security and long-term prosperity.