Menu
Founded in 1966, Public Bank Berhad has been instrumental in transforming Malaysia’s banking landscape over the past five decades. The bank’s progressive journey has been marked by innovations in digital banking, international services, and sustainable practices, making it a trusted name for millions of customers, particularly small and medium enterprises (SMEs).
Public Bank Berhad’s meteoric rise began as a modest banking institution committed to serving the Malaysian public. Over the years, their unrelenting dedication to customer service, prudent management, and strong financial health led to their ascent as one of Malaysia’s most profitable banks. As of today, they boast an extensive network of branches across the country and abroad, providing comprehensive financial services to their diverse clientele.
Their success story is a testament to their ability to evolve with changing times and technologies, especially in the realm of digital banking. The bank’s innovative approach has consistently been praised in numerous Public Bank Berhad reviews, leading to its prestigious status in the industry.
Public Bank Berhad offers a broad spectrum of services to cater to the dynamic needs of its customers:
In the next sections, we will delve deeper into the bank’s digital banking services, exploring how they have revolutionized the banking experience for customers.
Stay tuned as we dissect the features, benefits, and compelling reasons why Public Bank Berhad is a strong contender in the digital banking realm.
Public Bank Berhad is synonymous with comprehensive and innovative financial solutions that cater to a wide variety of clientele. The bank’s product suite is a testament to its commitment to meeting diverse financial needs, ranging from everyday transactions to complex business requirements.
SMEs form the backbone of most economies, and Public Bank Berhad plays a pivotal role in supporting these enterprises with tailor-made financial products. The bank’s SME banking services feature a range of business accounts that cater to different business needs, from startups seeking to establish a foothold in the market, to established entities looking for more advanced banking solutions.
Further strengthening its SME offerings, Public Bank Berhad has created a streamlined loan application process that focuses on ease and efficiency. Be it a short-term working capital requirement or a long-term investment, Public Bank Berhad provides an array of loan products designed to fuel business growth. Their loan products stand out for competitive interest rates and flexible repayment terms, backed by the bank’s robust financial health.
Public Bank Berhad’s financial arsenal goes beyond business accounts and loans. It offers a selection of credit cards tailored to different spending habits and lifestyle needs. From reward-based cards to those offering exclusive privileges, Public Bank Berhad credit cards cater to diverse customer profiles.
Moreover, the bank provides various investment products, savings accounts, and insurance services, making it a one-stop destination for all financial needs. A notable highlight is the Public Bank Berhad savings account, which offers attractive interest rates and provides customers with an effective tool for wealth accumulation.
The digital revolution has reshaped the banking landscape, and Public Bank Berhad is at the forefront of this transformation. Through its state-of-the-art online and mobile banking platforms, the bank has taken customer convenience to a whole new level.
Customers can access their accounts, make transactions, apply for loans, and avail of various services with just a few clicks or taps. Notably, the bank places a significant emphasis on online banking security, implementing advanced security measures to protect customer data.
Furthermore, Public Bank’s mobile banking app is intuitively designed, offering customers the ability to manage their finances on the go. This focus on digital services not only improves the customer experience but also aligns with the bank’s sustainable initiatives by promoting paperless banking.
Overall, Public Bank Berhad’s comprehensive product offerings, innovative digital services, and commitment to customer satisfaction make it a formidable player in the financial landscape.
While financial products and digital services play a critical role in defining a bank’s competency, the real essence of a bank’s reputation lies in its ability to provide exceptional customer service. Public Bank Berhad excels in this department, as reflected by numerous Public Bank Berhad reviews praising its commitment to customer satisfaction.
Public Bank Berhad offers multiple customer service channels to ensure they address their customer’s needs effectively and promptly. Customers can connect with the bank through traditional means like visiting their branches or dialing their customer service numbers.
For those who prefer digital channels, the bank provides email support, live chat on their website, and even social media platforms for customer service inquiries. These multi-channel customer service options cater to the varying preferences of their diverse clientele, making it easy for customers to seek help whenever they need it.
The bank’s emphasis on customer service extends to its digital platforms too. Their online and mobile banking platforms are not just about transacting; they also serve as a customer service channel where customers can raise inquiries, request services, and receive immediate assistance.
When it comes to the quality of customer service, Public Bank Berhad is renowned for its commitment to excellence. The bank’s customer service team is trained to address a range of issues, from simple queries to complex transaction-related problems. Customers often applaud the bank’s service personnel for their professionalism, patience, and profound product knowledge.
The bank understands that in today’s fast-paced world, customers value prompt and immediate assistance. That’s why they ensure their customer service is available round the clock. Whether it’s a query in the middle of the night or an emergency during a public holiday, Public Bank Berhad’s customer service is always within reach.
Additionally, in line with the bank’s CSR initiatives, they are constantly working on improving their service delivery and customer experience. They gather feedback, learn from customer reviews, and continuously innovate their processes to keep their customers satisfied.
In conclusion, customer service at Public Bank Berhad is not just about solving issues—it’s about building trust and fostering lasting relationships. The bank’s consistent efforts to improve its service quality reaffirm its commitment to its customers, contributing to its esteemed position in the banking sector.
In the age of digitalization, banks must embrace technology to stay relevant and meet the evolving needs of their customers. Public Bank Berhad, being a pioneer in the banking industry, has kept pace with this digital trend, undergoing a remarkable digital transformation that reflects its forward-thinking approach.
The cornerstone of Public Bank Berhad’s digital transformation lies in its comprehensive online banking system and mobile app. The online banking system, accessible via web browsers, offers customers the convenience of banking from anywhere and at any time. Whether it’s a funds transfer, bill payment, or loan application, customers can perform a myriad of banking activities with ease and efficiency.
In addition, the bank’s mobile banking app takes digital banking to a whole new level. With its user-friendly interface and feature-packed services, it offers a seamless banking experience right at the customers’ fingertips. Be it checking account balances, paying bills, or applying for financial products, the mobile banking app ensures that customers have access to banking services on the go.
These digital platforms not only showcase Public Bank Berhad’s innovative streak but also underscore their commitment to providing superior customer service. By offering online and mobile banking services, the bank empowers its customers with choice and flexibility, catering to their individual banking preferences.
As an institution dealing with sensitive financial data, Public Bank Berhad places a high premium on security. As they venture into the digital realm, the bank has implemented rigorous online banking security measures to safeguard customers’ information and protect them from cyber threats.
To ensure secure transactions, the bank employs advanced encryption technology that obscures data during transmission, preventing unauthorized access. They also utilize multi-factor authentication, requiring customers to verify their identity through multiple means before granting access to their accounts.
Furthermore, the bank regularly updates its systems and software to defend against new and evolving cyber threats. They also educate customers about safe banking practices, highlighting their shared responsibility in maintaining security.
By prioritizing security in its digital transformation journey, Public Bank Berhad demonstrates its unwavering commitment to its customers’ safety. It’s these concerted efforts that solidify the bank’s reputation as a reliable and trusted banking partner in the digital age.
Understanding the unique requirements of diverse customers is the hallmark of a truly global bank. Public Bank Berhad embraces this ethos by providing exceptional international services and SME banking, expanding its horizons beyond domestic borders.
Public Bank Berhad, with its global footprint, is well-equipped to cater to the banking needs of its international customers. Recognizing the complexities of international trade and finance, the bank offers a variety of services tailored to global operations.
Customers can avail themselves of international wire transfers, facilitating smooth cross-border transactions. The bank also offers competitive foreign exchange services, assisting businesses in managing foreign currency risks. Public Bank Berhad’s international services are designed with the intent to reduce geographical barriers and help customers do business anywhere in the world with ease.
The international services extend to digital platforms as well, offering global access to banking services. Whether it’s transferring money abroad through their online banking system or mobile app, Public Bank Berhad ensures that customers are not bound by location.
Public Bank Berhad’s unwavering commitment to fueling business growth is most evident in its SME banking services. Recognizing that SMEs form a significant part of the economy, the bank provides an extensive range of products designed to boost the growth of these enterprises.
The bank offers various business accounts, each designed to suit different stages of a business’s growth trajectory. These accounts come with numerous benefits, such as online banking facilities, overdraft facilities, and preferential interest rates.
In addition to business accounts, the bank also offers tailored loans to SMEs. The Public Bank Berhad loan application process is streamlined and efficient, designed to provide quick access to funds. Be it capital for expansion, purchase of equipment, or working capital requirements, the bank’s SME loans provide a reliable financial backbone for businesses.
The benefits of choosing Public Bank Berhad for SME banking extend beyond financial products. SMEs also enjoy the advantage of the bank’s extensive network, expert advice, and superior customer service. By choosing Public Bank Berhad as their banking partner, SMEs are not just availing financial services, they are entering into a partnership that supports their growth at every step.
A bank’s financial health is a testament to its strength, resilience, and ability to meet its obligations. Public Bank Berhad, with its strong financial indicators and stability, enjoys a position of trust and reliability in the banking industry.
Public Bank Berhad has consistently shown strong financial performance, evident in key financial indicators like profitability, liquidity, and capital adequacy. The bank’s profitability, as demonstrated by consistent returns on assets and equity, shows its ability to generate profits from its operations.
Moreover, the bank has a solid liquidity position, ensuring it can meet its short-term obligations without compromising its operations. It also holds a strong capital adequacy ratio, reflecting its ability to absorb potential losses and safeguard depositors’ interests.
These robust financial indicators not only underline Public Bank Berhad’s sound financial management but also its ability to navigate economic uncertainties. As such, they form the bedrock of the bank’s reputation for reliability and resilience.
A key determinant of a bank’s reputation is its financial stability, and Public Bank Berhad excels in this domain. The bank’s stability is built on its prudent risk management practices, diversified income streams, and robust capital position.
Public Bank Berhad’s risk management practices are top-notch, incorporating rigorous stress testing and scenario analysis to ensure the bank can withstand potential adversities. This, combined with its diversified income streams, reduces reliance on a single source of income, further bolstering the bank’s stability.
The bank’s robust capital position, exceeding regulatory requirements, provides an additional safety net, instilling confidence in its stakeholders. It’s this financial stability, coupled with its robust financial health, that makes Public Bank Berhad a preferred banking partner for many.
Corporate Social Responsibility (CSR) and sustainability are integral components of Public Bank Berhad’s business strategy. The bank’s initiatives in these areas demonstrate its commitment to creating a positive impact on society and the environment, extending its role beyond that of a financial institution.
Public Bank Berhad has a comprehensive CSR framework in place that aims to enrich the lives of communities and contribute to sustainable development. The bank’s CSR initiatives span various areas such as education, healthcare, community development, and the environment.
The bank actively supports educational programs, recognizing that education is the cornerstone of societal advancement. Through scholarships and funding for educational institutions, the bank contributes to building a knowledgeable and skilled society.
Public Bank Berhad also has initiatives targeted toward promoting healthcare and wellness. It supports hospitals and healthcare organizations, facilitates health awareness programs, and organizes wellness events for its employees and customers.
In addition to these, the bank undertakes projects for community development, aimed at uplifting underprivileged sections of society and contributing to societal harmony. The bank’s environmental initiatives, which include promoting resource efficiency and supporting conservation projects, underscore its commitment to a sustainable future.
Public Bank Berhad’s commitment to sustainability is reflected in its adoption of green banking practices. The bank recognizes that as a financial institution, it can play a pivotal role in promoting environmentally responsible behavior and mitigating climate change impacts.
As part of its green banking initiative, Public Bank Berhad encourages customers to opt for digital banking services. By promoting paperless transactions through online banking and mobile banking, the bank aims to reduce its carbon footprint and conserve natural resources.
Moreover, the bank has also incorporated environmental risk assessments in its loan application process, encouraging businesses to adopt sustainable practices. Public Bank Berhad also offers green loans for initiatives aimed at environmental conservation and sustainable development.
In conclusion, CSR and sustainability at Public Bank Berhad go hand in hand with its corporate strategy. Through its CSR initiatives and sustainable practices, the bank strives to make a positive impact on society and the environment, underlining its role as a responsible and conscious corporate citizen.
As we conclude our journey through the world of Public Bank Berhad, it’s time to take a step back and evaluate the bank’s standing as a comprehensive financial institution.
Public Bank Berhad stands out in the financial landscape with its exceptional services and robust financial health. The bank offers an extensive range of products, including business accounts, loans, credit cards, and other financial instruments, designed to cater to diverse needs.
With its impressive digital services, Public Bank Berhad brings banking to the fingertips of customers. The Public Bank mobile banking platform and the bank’s online banking security measures demonstrate the bank’s commitment to digital banking, ensuring convenience without compromising on safety.
Furthermore, Public Bank Berhad shines in its customer service quality, international banking services, and SME banking offerings. The bank’s financial stability and healthy key financial indicators underline its reliability and resilience.
Public Bank Berhad emerges as a strong contender for businesses seeking a banking partner that understands their needs and offers solutions to support their growth. Be it the customized SME banking services, the efficient Public Bank Berhad loan application process, or the bank’s robust online banking security, each aspect is designed with a focus on serving customers better.
Businesses can also find value in the bank’s international services, which help them navigate the complexities of global finance. Public Bank Berhad’s digital transformation further ensures that businesses can bank at their convenience, anytime, anywhere.
Above all, the bank’s commitment to CSR initiatives and sustainability reflects its ethos of being a responsible corporate citizen. Public Bank Berhad, through its actions, conveys that it doesn’t merely aim to create financial value but also societal and environmental value.
In conclusion, Public Bank Berhad, with its customer-centric approach, robust financial health, and responsible banking practices, makes a compelling case for businesses seeking a banking partner that aligns with their growth and values.
Public Bank Berhad offers a wide array of services including business accounts, loans, credit cards, and other financial instruments. It also provides international banking services and special offerings for small and medium enterprises (SMEs).
Public Bank Berhad prioritizes online security, implementing high-grade encryption, multi-factor authentication, and real-time fraud monitoring to protect customer data and transactions.
Public Bank Berhad offers extensive digital services. These include online banking, mobile banking, and digital payment solutions, among others, making banking more convenient and accessible for its customers.
Public Bank Berhad provides comprehensive banking solutions tailored to the needs of SMEs. This includes specialized business accounts, customized loan products, and digital banking services.
Public Bank Berhad has a comprehensive CSR framework that focuses on education, healthcare, community development, and environmental conservation. They also promote sustainable practices such as green banking and incorporating environmental risk assessments in their loan application process.
Public Bank Berhad enjoys robust financial health, reflected in strong key financial indicators like profitability, liquidity, and capital adequacy. It also boasts significant financial stability.
Yes, Public Bank Berhad offers a range of international banking services, providing customers with the convenience of global transactions and foreign trade support.
Public Bank Berhad is known for its quality customer service. The bank offers multiple customer service channels and ensures that its representatives are available to assist customers with their queries and concerns.
The Public Bank Berhad loan application process is efficient and customer-friendly. The bank also incorporates environmental risk assessments into its loan application process as part of its commitment to green banking.
Businesses may choose Public Bank Berhad because of its wide range of services tailored to business needs, its commitment to digital transformation, the robustness of its online banking security, its international banking services, and its strong financial health. The bank’s commitment to CSR initiatives and sustainability also makes it an appealing choice for businesses with similar values.
Year Founded: 1965
Registered: Kuala Lumpur, Malaysia
Owners: Public Bank Berhad Group
Customers: +15 million
Mobile App: Yes
Restrictions: No
Businesses: Yes
Teens: No
Pension: Yes
Insurances: Yes
Investment: Yes
International: Yes
Loans or Credit: Yes, offers a range of loans and credit products
24/7 Customer Support: 24/7 customer support
Copyright © 2023 Perfect bank. All Rights Reserved.