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EXTERNAL COMPARISON BETWEEN PUBLIC BANK AND RHB FOR YEAR 2018

PROFITABILITY Public Bank 2018 (RM’000) RHB Bank 2018(RM’000)

Return on Asset 4 551 065 x 100 2 308 912 x 100
Net profit 331 786 540 243 912 679
Total asset = 1.37% = 0.95%

Return on equity 4 551 065 x 100 167 310 x 100
Net profit 35 279 804 7 551 127
Equity = 12.90% = 2.22%

Interest spread 14 529 609 – 8 409 986 x 758 618 –262 768 x100
Interest income - interest 100 24 734 109

expenses 331 786 540 = 2.00%
Total asset = 1.84%

LIQUIDITY RATIO Public Bank Rate 2018(RM’000) RHB Bank Rate 2018(RM’000)

Loan to asset 247,690,397 x 100 165 629 774 X100
Loan 331,786,540 243 165 679
Total asset = 74.65% = 68.11%

CAPITAL ADEQUACY Public Bank 2018(RM’000) RHB Bank 2018 (RM’000)
Risk Weighted Capital N/A N/A
Capital Base

Total risk weighted loan asset = 12.70% = 19.21%
Core Capital 11 341 598

Debt 34,320,312 = 16.91%
Capital = 33.05%

Measure of performance Public Bank rate 2018(RM’000) RHB Bank Rate2018(RM’000)
NPL ratio 106,310 3 251 593
x100 x100
Outstanding Loan 247 690 397 168 881 367
Total Loan = 4.29% =1.93%
Loan to Deposit Ratio 247 690 397 168 881 367

Total Loan 271 364 622 197 147 224
Total Deposit = 0.9128% = 0.86%

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