Public Bank Berhad - the Strategic Management

Table of Contents

Acknowledgement        3

Abstract        4

1.0 Introduction        5

2.0 Company Profile        6

2.1 Company History        6

2.2 Company Background        8

2.3 Company Logo,  Mission and Philosophy        9

2.4 Board of Directors        11

2.5 Company Products and Services        15

2.6 List of Company Subsidiaries        16

2.7 Major Competitors        17

3.0 Financial Analysis        19

3.1 Liquidity Ratios        20

3.2 Profitability Ratios        22

3.3 Other Ratios        25

4.0 Recent Company Development        30

4.1 Public Bank and Bank Central Asia to Collaborate        30

4.2 Public Bank Launched New 'PBe' Internet Banking Website        30

4.3 Public Bank to Collaborate With Saitama Resona Bank and Kinki Osaka Bank        31

4.4 Private Retirement Schemes Online FPX Signing Ceremony between Public Bank Berhad and Private Pension Administrator Malaysia        32

4.5 FPX Signing Ceremony between Public Bank Berhad and AirAsia Berhad        33

4.6 Public Bank Receives 100% Foreign-Owned Bank Licence in Vietnam        33

5.0 Industry Profile and Analysis        35

5.1 Porter’s 5 Forces Analysis        35

5.1.1 Threat of New Entrants        36

5.1.2 Rivalry Among Existing Firms        37

5.1.3 Threat of Substitute Products or Services        38

5.1.4 Bargaining Power of Buyers        39

5.1.5 Bargaining Power of Suppliers        40

6.0 Swot Analysis        41

6.1 Strengths        43

6.2 Weaknesses        46

6.3 Opportunities        48

6.4 Threats        52

7.0 IFAS, EFAS, AND TOWS MATRIX        55

7.1 Internal Factors Summary Analysis (IFAS)        55

7.2 External Factors Summary Analysis (EFAS)        56

7.3 TOWS Matrix        57

8.0 Strategic Recommendations        58

8.1 SO strategy        58

8.1.1 SO1- Comprehensive financial involvement to gain greater mutual benefits        58

8.2 ST Strategy        61

8.2.1 ST1-Lift up standard of governance and risk management        61

8.3 WO Strategy        63

8.3.1 WO1-Strengthen regional and global financial integration        63

8.3.2 Improving electronic payment        65

8.4 WT Strategy        68

8.4.1 Branch Banking        68

8.4.2 Innovation on product and services        71

9.0 Conclusion        73

Appendix        78

Acknowledgement

We would like to express the deepest appreciation to our lecturer Dr. Kadzrina Abdul Kadir that helped us a lot to accomplish our BPMN 3023 Strategic Management assignment within the time frame given by Dr. Kadzrina Abdul Kadir. Without her guidance and persistent help in this assignment, we would not able to complete it. We are appreciated and thank you to Dr. Kadzrina Abdul Kadir which always gives knowledge and guides us to complete this assignment. Dr. Kadzrina Abdul Kadir has always brief us a lot regarding the assignment to ensure that we are always on the right track. In additional, she also willing to teach and guide us throughout the process when we were preparing for the assignment. Besides that, we would like to thank all group members for their cooperation and effort to complete this assignment. Each of the members attends meeting and always discuss to give the opinions or ideas for completing this assignment. We are very appreciated to all the members due to their effort and cooperation in this assignment. Lastly, we would like express our gratitude towards all the individuals who had supported and helped us during the assignment that helped in bringing this assignment to be very successful.

Abstract

        The main purpose of this assignment is to study the strategic management that will be taken by the company in different industry and learn to analyse the financial report of the company. Our lecturer assigns our group to do financial industry. To have a clearly analyse and understand details about the strategic management taken by the financial industry, we had chosen Public Bank Berhad (PB) to define the strategic management taken by them and analyse their financial report. Firstly, we define the meaning of the financial industry and some of the information of the financial industry such as the trend of the financial industry in our assignment. Also, we provided the information about the company profile of the Public Bank Berhad (PB) such as company history, company background, logo, mission, philosophy, the board of director, company products and services, list of the company subsidiaries, and the major competitor of the company. In additional, we also provide financial analysis of the company such as the ratio analysis based on the financial annual report for 3 years. Then, we analyse the company through the SWOT analysis. We can know the strengths, weaknesses, opportunities and threats of this company. Also, we analyse the company by using the IFAS, EFAS, TOWS matrix in this assignment. Furthermore, we also provided the strategy recommendation based on the TOWS matrix. Lastly, we provided the conclusion to conclude the important information of the company that we had chosen.