Public Bank (1295) Financial Ratio Screen
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MSCI new-inclusion financial-ratio snapshot
1295 financial screening at a glance
Calculation date: 2026-10-15. Financial period used: December 2025. The ratios are automated proxies inspired by published methodologies; they are not official index determinations.
Independent method comparison
What the available screens say
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Business activity evidence
Business exclusion flag
The supplied classification (Banks - Regional) matches a prohibited-activity category.
Revenue segments: Not yet checked against an SEC annual filing.
Profile description reviewed: Public Bank Berhad provides banking products and services. The company operates through Hire Purchase, Retail Operations, Corporate Lending, Treasury and Capital Market Operations, Investment Banking, Fund Management, and General Insurance segments. Its deposit products include savings, current, fixed deposit, foreign currency, and safe deposit box services. The company's loan portfolio comprises home, SWIFT, working capital, SME, and other loans; overdrafts; project and vehicle financing; PB retail negotiable instruments of deposit; and credit guarantee corporation guarantee schemes and BNM funds. The company also offers Islamic banking, shares and securities brokerage, trustee services, nominee services, unit trust funds sales and management, bancassurance, and general insurance products and services. In addition, it offers mobile, internet, and self-service banking services; credit and debit card, and remittance services; investment products and services, such as structured product investment and share trading/margin financing; securities dealing and underwriting services; taxi licenses; and trades in taxi cabs, as well as leases taxis. Further, the company provides insurance products, including single premium investment-linked, family and savings, and credit life insurance products. The company operates through a network of branches and self-service terminals in Malaysia, Hong Kong, the People's Republic of China, Cambodia, Vietnam, Laos, Singapore, and Sri Lanka. It serves retail consumers, and small and medium enterprises. The company was incorporated in 1965 and is headquartered in Kuala Lumpur, Malaysia.
Sources to verify: Secondary company profile and classification · Issuer website
A sector label or company description can flag a risk but cannot establish a compliant-revenue percentage. Only sourced segment disclosures may support that calculation.
Published-ratio reproductions (not certifications)
The table shows implemented MSCI and FTSE/Yasaar-style asset-based models plus a provisional S&P-style debt and cash reconstruction where a complete 36-month denominator exists. These are independent calculations, not official index results or Shariah determinations. See formulas, sources and limitations.
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| MSCI | Excluded — Banks - Regional | BUSINESS EXCLUSION FLAG* | |||
| FTSE | Excluded — Banks - Regional | BUSINESS EXCLUSION FLAG* | |||
Financial Highlights
Profitability
| Gross Margin | 0.0% | |
| Operating Margin | 64.2% | |
| Net Margin | 49.4% | |
| Return on Equity (ROE) | 11.9% | |
| Return on Assets (ROA) | 1.3% |
Cash Flow & Balance Sheet
| Operating Cash Flow | MYR 3.5B |
| Free Cash Flow | MYR 3.3B |
| Total Debt | MYR 13.6B |
| Total Assets | MYR 561.7B |
Price & Trading
| Last Close | MYR 4.55 |
| 50-Day MA | MYR 4.96 |
| 200-Day MA | MYR 4.87 |
| Avg Volume | 22.1M |
| Beta | 0.2 |
|
52-Week Range
MYR 4.18
| |
Financial data provenance and verification
The displayed fields were imported from yfinance on 2026-10-09 for the financial period December 2025. This is a secondary data feed and can differ from amended or newly filed statements.
- Issuer website — use its investor-relations filings to verify the figures.
- Field mapping, formulas and limitations.
Verification rule: check debt, cash, receivables, revenue and interest income against the latest primary filing before relying on an automated ratio.
About Public Bank (1295)
Public Bank Berhad provides banking products and services. The company operates through Hire Purchase, Retail Operations, Corporate Lending, Treasury and Capital Market Operations, Investment Banking, Fund Management, and General Insurance segments. Its deposit products include savings, current, fixed deposit, foreign currency, and safe deposit box services. The company's loan portfolio comprises home, SWIFT, working capital, SME, and other loans; overdrafts; project and vehicle financing; PB retail negotiable instruments of deposit; and credit guarantee corporation guarantee schemes and BNM funds. The company also offers Islamic banking, shares and securities brokerage, trustee services, nominee services, unit trust funds sales and management, bancassurance, and general insurance products and services. In addition, it offers mobile, internet, and self-service banking services; credit and debit card, and remittance services; investment products and services, such as structured product investment and share trading/margin financing; securities dealing and underwriting services; taxi licenses; and trades in taxi cabs, as well as leases taxis. Further, the company provides insurance products, including single premium investment-linked, family and savings, and credit life insurance products. The company operates through a network of branches and self-service terminals in Malaysia, Hong Kong, the People's Republic of China, Cambodia, Vietnam, Laos, Singapore, and Sri Lanka. It serves retail consumers, and small and medium enterprises. The company was incorporated in 1965 and is headquartered in Kuala Lumpur, Malaysia.
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Frequently Asked Questions
Is Public Bank (1295) halal to invest in?
The current automated result is Financial criteria not met or an activity exclusion was detected. It uses available public financial fields and simplified methodology proxies. It is not a fatwa or an official determination by AAOIFI, DJIM, MSCI, S&P, or FTSE.
What is Public Bank's debt ratio?
Public Bank's debt ratio is not available in the MSCI new-inclusion reproduction: total debt divided by total assets, against a 30% threshold. See the methodology page for the official source and limitations.
What are Public Bank's key financial metrics?
Public Bank has a market capitalization of MYR 88319M in its listing currency, trailing P/E ratio of 12.3, and revenue of MYR 14.7B. Return on equity stands at 11.9%.
How often is the screening data updated?
Calculation date: 2026-10-15. Financial period: December 2025. These dates are shown separately because regenerating this page does not refresh the underlying data.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.