Public Bank Reaches New ESG Heights
Public Bank Reaches New ESG Heights
The bank has also outlined several sustainability goals, including achieving carbon neutrality (Scope 1 & 2) by 2030, mobilising RM100 billion in sustainable finance by 2030 and ensuring full compliance from suppliers with its Vendor Code of Conduct by 2025.Public Bank Bhd has achieved a significant upgrade in its Environmental, Social and Governance (ESG) score, now rated at 73 out of 100 by Maybank Investment Bank Bhd (Maybank IB). This latest score is a leap from the previous 63 and places Public Bank among the highest in the Malaysian banking sector in terms of ESG.
大衆銀行有限公司的環境、社會和治理（ESG）得分已大幅提高，目前被馬來亞銀行投資銀行有限公司（Maybank IB）評爲73分（滿分100分）。這一最新分數比之前的63分有所飛躍，使大衆銀行在ESG方面位居馬來西亞銀行業最高之列。
Reflecting this upward trajectory, Maybank IB has reaffirmed its BUY call on Public Bank, maintaining a target price of RM5.40, based on a projected 1.7 times price-to-book value for the financial year ending 2025 (FY25).
馬來西亞銀行Ib重申了對大衆銀行的買入看漲期權，根據截至2025財年（25財年）賬面市值的1.7倍的預計目標，維持了5.40令吉的目標價格，這反映了這種上升軌跡。
Public Bank's improved ESG rating can be attributed to comprehensive disclosures and sustained corporate governance practices. As of FY23, approximately 81% of the bank's loans were allocated to finance projects in both domestic and international markets.
大衆銀行ESG評級的提高可以歸因於全面的披露和持續的公司治理實踐。截至23財年，該銀行約有81％的貸款用於資助國內和國際市場的項目。
The bank has also outlined several sustainability goals, including achieving carbon neutrality (Scope 1 & 2) by 2030, mobilising RM100 billion in sustainable finance by 2030 and ensuring full compliance from suppliers with its Vendor Code of Conduct by 2025.
該銀行還概述了多個可持續發展目標，包括到2030年實現碳中和（範圍1和2），到2030年籌集1000令吉的可持續融資，以及確保供應商在2025年之前完全遵守其供應商行爲準則。
Additionally, Public Bank is committed to reaching a 30% reduction in energy and water usage from its baseline by 2030 and a minimum of 45% female representation in senior management roles.
此外，大衆銀行承諾到2030年將能源和水的使用量在基準基礎上減少30％，高級管理職位中的女性比例至少達到45％。
Financial targets for FY24 are also progressing as expected. The bank increased its return on equity (ROE) target to over 12.5%, a step up from the previous goal of 12%. The bank is on track with a first-half 2024 ROE of 12.8% and maintains stable targets for loan growth at 5%–6%, alongside a cost-to-income ratio of around 35% and a credit cost expectation of five to 10 basis points. Additionally, Public Bank's net interest margin has remained stable at 2.2%.
24財年的財務目標也如預期的那樣取得進展。該銀行將其股本回報率（ROE）目標提高至12.5％以上，高於之前的12％的目標。該銀行有望實現2024年上半年的投資回報率爲12.8％，並將貸款增長的穩定目標維持在5％至6％，成本收入比率約爲35％，信貸成本預期爲5至10個點子。此外，大衆銀行的淨利率一直穩定在2.2％。
With a share price of RM4.48, Public Bank continues to dominate retail banking in Malaysia, particularly in residential property, commercial property and auto financing segments. The bank's market capitalisation stands at RM87 billion, with major shareholders including Consolidated Teh Holdings Bhd, the Employees Provident Fund and Retirement Fund Incorporated.
大衆銀行的股價爲4.48令吉，繼續主導馬來西亞的零售銀行業務，特別是在住宅物業、商業地產和汽車融資領域。該銀行的市值爲870令吉，主要股東包括聯合科技控股有限公司、僱員公積金和退休基金公司。
The forward-looking projections and strong ESG focus position Public Bank favourably within the sector as it aims to reinforce its environmental and social responsibilities while delivering consistent returns to shareholders.
前瞻性預測和對ESG的強烈關注使大衆銀行在該行業中處於有利地位，因爲其目標是強化其環境和社會責任，同時爲股東提供穩定的回報。
譯文內容由第三人軟體翻譯。
