5/9/2020 Originality Report

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1 2% 2% 09/05/20 1,219
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Word Count: 1,219
Attachment 1 % [Link]

Institutional database (1) 2%
1 Student paper

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1 Student paper

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1. Introduction

Public Bank Berhad (PBB) offers a variety of commercial which includes Islamic and consumer banking activities, equity brokering, and other services. Since year 1966,
Tan Sri Dato's Sri Dr Teh Hong Piow has embarked on a path into public banking. He is the bank’s founder and chairman who set up Public Bank Headquarters of PBB
based in Kuala Lumpur, Malaysia. It also markets and operates unit trust funds and life insurance goods. Commercial banking sector covers investing, treasury service,
approaches to international banking and more services. Its range of consumer banking companies comprises automotive lending for passenger cars, residential
properties and credit or debit cards. It also has products and services compatible with Shariah and deposits. The bank provides services in cash management, online
banking and mobile banking. It has activities in other countries such as Laos, Thailand, Vietnam, China and more (Public Bank Corporate Homepage - Corporate
Profile, 2019).

2. SWOT ANALYSIS

A. Strength

Public Bank Berhad (PBB) strength is Malaysia's largest investment bank, the second-largest market capitalization firm, and the third-largest bank with total asset
amounts of RM345,722 billion. PBB recorded excellent financial performance in the year 2014. 1 Net profit grew by 10 per cent, which amount from RM 41 billion
in year 2013 to RM 45 billion in year 2014. In the year 2014, the market value went from RM68.67 billion to RM71.04 billion. Prudence in management is the third gain
we’ve seen at PBB. PBB already has a network of 259 branches and 1,801 self-service terminals, and more than 18,000 Malaysian employees. With a non-performing
debt level of 0.6 per cent, the organization continued to improve its asset quality (Annual Report 2014, 2014).

Local institutions also perform credit rating. The goal is to improve the confidence to do investor and customer in PBB. For example, Standard & Poor’s confirmed
long-term rate of PBB is A, and short-term rating is A2, with a stable and positive outlook. The long-term deposit rating for foreign currency by the Public Bank is A3.
The Malaysian rating agency has reiterated that the bank’s long-term rating is A3, which is Malaysian rating bank highest rating. The Public Bank Company also
recorded a continuous profit record (S&P raises Public Bank’s standalone credit profile to ‘A’, 2018).

B. Weakness

The weakness of the public bank was that spending in 2014 was higher than that of 2013. Personnel costs grew from RM1.74 billion in 2013 to RM1.88 billion in 2014
as salaries, benefits and incentives grew by 11 per cent. The cost of the organization grew by 1.3 per cent or RM6.2 million dues to the increased expenses generated
by services and leases in the year 2014 (Annual Report 2014, 2014). Additionally, public banks are only regional players, and there are drawbacks nationwide, as
competition with other commercial banks is essential. For example, HSBC and more. The banking industry was heavily depending on the current economic situation.
This problem also not just based on a country and it is on a globalize. For example, COVID-19 have heavily affected the whole world economy. PBB stock price had
dropped 9.9% from RM17.30 to current price Rm 15.74 (Yahoo Finance, 2020). PBB may have a worldwide presence limitation. It is because of just more focus in
Malaysia. PBB did not have a branch in the UK, USA and more. It also has a reason why fewer people around the world are conscious of PBB.

C. Opportunity

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PBB is allowing developing wealth management products and services to ease the pressure on net interest rates. Malaysia has increasingly wealthy consumers with
high savings and deposits around RM25.67 billion in the banking system that will continue to offer growth opportunities and particularly innovative financial services.
PBB also diversified their business into four categories, such as Public Investment Bank Berhad, Public Mutual Berhad, Public Islamic Bank and Public Bank Trustee
Services. PBB also launch specific products for Small and Medium scale Enterprise (SME) (Public Bank Corporate Homepage - Corporate Profile, 2019). Through this
way, PBB can build up the Malaysia economy because they had created the job opportunity for all the Malaysia citizen. The PBB will be able to expand the product
spectrum further and introduce more Automatic Teller Machines (ATMs) to the shopping mall.

Additionally, online banking and mobile banking services have been developed to make greater convenience. PBB also have oversea operation and collaboration. For
example, operation in Hong Kong, Sri Lanka and collaboration with the release of a new PB-AIA Visa Gold Credit Card with flexible insurance coverage and rewards
scheme (Press Release, 2017). PBB user allows using their services although they are in other countries. It has created a lot of convenient to the user that always travel
around the world.

D. Threats In this era globalization, they are a lot of issue of scamming money such as scam call or massage. Scammers may pretend to be from money lenders who
are lawfully and approved and provide low interest rates to manipulate unsuspecting victims.

Normally, Scammer exploits and gets the details from the bank servers. Furthermore, scams are normally spread through social media platforms, Short Message
Service (SMS), or unsolicited phone calls to the victims. Across this means it will learn that there is still not that prefect and lack of security in the Malaysian bank
system (Hamdan, 2020). PBB are also facing a threat of increased competition for housing mortgage loans, which will inevitably lead to a reduction in net interest
margins. Many commercial banks provide financial services for mortgage loans, car loans and other services such as HSBC, Hong Leong and other banks. Then, the
PBB encountered more strict lending regulations imposed by Bank National Malaysia (BNM). 1 For instance, a consumer may borrow a loan that Agensi Kaunseling
dan Pengurusan Kredit (AKPK) has rescheduled or restructured. The retails loans will not increase in situations where the rise was less than RM50 a month. The
banking institution decides not to raise the payment volume after an improvement in the base rate or base lending.

Conclusion

In conclusion, PBB is Malaysia's largest investment bank, the second largest market capitalization firm, and the third-largest overall asset amount. PBB is also receiving
an excellent ranking from Standard & Poor’s, which is the highest rating bank in Malaysia. PBB has offered Small and Medium-sized Enterprises (SMEs) a huge
opportunity. It also offers products and services for wealth management among all PBB consumers. PBB has also had oversea operations and cooperation with other
insurance agencies.

On the other hand, PBB also has weakness and threat. The weakness is they are still fewer people know about PBB around the world. It is because of PBB only more
focus on Malaysia. PBB was also facing a lot of competitors. PBB had a reduction in net margin because of the competitor can provide the same services. They are
scamming issue facing by PBB nowadays. Hacker can easily hack into the bank servers to get the information.

PBB can allow innovation in industry, offer competitive digital banking products and services, retain reliable ICT technology, advance data analytics, strengthen cyber
security and improve future governance and enforcement. Through this way, PBB enable to become the head of digital banking in Malaysia.

Source Matches (2)

1 Student paper 79%

Student paper Original source

Net profit grew by 10 per cent, which Net profit grew by 11% which is RM 41
amount from RM 41 billion in year 2013 Billion in 2013 to RM 45 Billion in 2014
to RM 45 billion in year 2014.

1 Student paper 72%

Student paper Original source

For instance, a consumer may borrow a For example, customer can only lend the
loan that Agensi Kaunseling dan loan that is rescheduled or restructured
Pengurusan Kredit (AKPK) has by Agensi Kaunseling dan Pengurusan
rescheduled or restructured. Kredit (AKPK)

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