Reviews of PUBLIC BANK (L) LTD
This is page 2 of 10 of the reviews SmartChecker holds for PUBLIC BANK (L) LTD. What the public registers say about the company is set out on its record page, not here.
What does SmartChecker make of Public Bank?SmartChecker 怎么看 Public Bank？Apa pandangan SmartChecker tentang Public Bank?
This editorial discusses Public Bank Berhad. The register record on this page may identify a different branch or legal entity; regulatory actions should be attributed only to the entity named in each paragraph.本点评讨论 Public Bank Berhad。本页登记记录可能属于不同法人；案件只应归属于判决中具名的实体。Penilaian ini membincangkan Public Bank Berhad. Rekod daftar di halaman ini mungkin merujuk cawangan atau entiti undang-undang yang berbeza; tindakan kawal selia hanya patut dikaitkan dengan entiti yang dinamakan dalam setiap perenggan.
Written by Pang Hui JuanDirector of Online Broker Research
Fact-checked by Ng Kok HeiManaging Malaysian Partner
Fact-checked
I've been looking into Public Bank, one of Malaysia's most established banking groups, and there are several factors worth considering when evaluating the bank.
Public Bank Berhad has a long operating history in Malaysia and is widely known for its focus on retail banking, commercial banking, SME financing, mortgage lending and wealth management. The group has also expanded its operations beyond Malaysia, with businesses in countries including Hong Kong, China, Cambodia and Vietnam.
Read the full reviewShow less
However, Public Bank also has a regulatory history that should be considered.
One of the most notable cases involved National Feedlot Corporation, commonly known as NFCorp. The dispute concerned allegations that Public Bank had breached its duty to maintain the confidentiality of banking information relating to NFCorp, its chairman and related companies.
In May 2025, the Federal Court dismissed Public Bank's final appeal in the long-running case and upheld the finding concerning breach of confidentiality. The Federal Court subsequently considered the amount of damages to be awarded.
On 18 June 2025, the Federal Court ordered Public Bank to pay RM90 million in damages to NFCorp, its chairman and three related companies. The damages related to the breach of confidentiality involving bank account information.
This is an important distinction when discussing the case. The RM90 million was a court-ordered civil damages award, not a regulatory fine imposed by Bank Negara Malaysia or the Securities Commission Malaysia. It should therefore not simply be described as “Public Bank was fined RM90 million.”
Overall, Public Bank is a long-established Malaysian banking group with substantial assets, a large loan and deposit base, strong profitability and a broad presence in retail, SME and commercial banking.
A long-established bank can still have compliance issues. Understanding the details and context behind those regulatory actions provides a more accurate picture than simply looking at the bank's reputation.
Public Bank Berhad 是马来西亚历史悠久的银行集团，以零售、商业及中小企业融资、房贷和财富管理著称，并在香港、中国、柬埔寨和越南经营业务。
最受关注的案件之一涉及 National Feedlot Corporation（NFCorp），争议是 Public Bank 是否违反对 NFCorp、其主席及相关公司的银行资料保密责任。
阅读完整点评收起
2025 年 5 月，Federal Court 驳回 Public Bank 的最终上诉，并维持违反保密责任的裁定。2025 年 6 月 18 日，法院命令 Public Bank 向 NFCorp、其主席及三家相关公司支付 RM90 million 损害赔偿。
RM90 million 是法院裁定的民事损害赔偿，并非 Bank Negara Malaysia 或 Securities Commission Malaysia 施加的监管罚款，因此不应简单写成“Public Bank 被罚 RM90 million”。
长期历史和强大财务基础不能取代对具体案件事实和背景的了解。
Saya telah meneliti Public Bank, salah sebuah kumpulan perbankan paling mapan di Malaysia, dan ada beberapa faktor yang wajar dipertimbangkan apabila menilai bank ini.
Public Bank Berhad mempunyai sejarah operasi yang panjang di Malaysia dan dikenali luas kerana tumpuannya pada perbankan runcit, perbankan komersial, pembiayaan PKS, pinjaman perumahan dan pengurusan kekayaan. Kumpulan ini juga telah mengembangkan operasinya ke luar Malaysia, dengan perniagaan di negara termasuk Hong Kong, China, Kemboja dan Vietnam.
Baca ulasan penuhTunjuk kurang
Namun Public Bank juga mempunyai sejarah kawal selia yang wajar diambil kira.
Salah satu kes yang paling ketara melibatkan National Feedlot Corporation, yang biasa dikenali sebagai NFCorp. Pertikaian itu berkaitan dakwaan bahawa Public Bank telah melanggar kewajipannya menjaga kerahsiaan maklumat perbankan berkaitan NFCorp, pengerusinya dan syarikat berkaitan.
Pada Mei 2025, Mahkamah Persekutuan menolak rayuan akhir Public Bank dalam kes yang berlarutan itu dan mengekalkan dapatan berhubung pelanggaran kerahsiaan. Mahkamah Persekutuan kemudiannya menimbangkan jumlah ganti rugi yang patut diawardkan.
Pada 18 Jun 2025, Mahkamah Persekutuan memerintahkan Public Bank membayar ganti rugi RM90 juta kepada NFCorp, pengerusinya dan tiga syarikat berkaitan. Ganti rugi itu berkaitan pelanggaran kerahsiaan membabitkan maklumat akaun bank.
Ini perbezaan penting apabila membincangkan kes tersebut. RM90 juta itu ialah award ganti rugi sivil yang diperintahkan mahkamah, bukan denda kawal selia yang dikenakan oleh Bank Negara Malaysia atau Securities Commission Malaysia. Oleh itu ia tidak patut sekadar diperihalkan sebagai “Public Bank didenda RM90 juta.”
Secara keseluruhan, Public Bank ialah kumpulan perbankan Malaysia yang sudah lama mapan, dengan aset yang besar, asas pinjaman dan deposit yang luas, keuntungan yang kukuh dan kehadiran yang luas dalam perbankan runcit, PKS dan komersial.
Sebuah bank yang sudah lama mapan masih boleh mempunyai isu pematuhan. Memahami butiran dan konteks di sebalik tindakan kawal selia itu memberikan gambaran yang lebih tepat berbanding sekadar melihat reputasi bank tersebut.
Official sources
Reviews are written by SmartChecker members about their own experience and checked against our review rules. No company can pay to add, change or remove one.
Top mentions