PUBLIC BANK BERHAD

Malaysia | 1295.KL | Main

By Sustify.world AI model | 2025-05-25
Public Bank Berhad provides banking products and services. It operates through Hire Purchase, Retail Operations, Corporate Lending, Treasury and Capital Market Operations, Investment Banking, Fund Management, and General Insurance segments. The company's deposit products include savings, current, fixed deposit, foreign currency, and safe deposit box services. Its loan portfolio comprises home, SWIFT, working capital, SME, and other loans; overdrafts; project and vehicle financing; PB retail negotiable instruments of deposit; and credit guarantee corporation guarantee schemes and BNM funds. The company also offers Islamic banking, shares and securities brokerage, trustee services, nominee services, unit trust funds sales and management, bancassurance, and general insurance products and services. In addition, it offers mobile, internet, and self-service banking services; credit and debit card, and remittance services; investment products and services, such as structured product investment and share trading/margin financing; securities dealing and underwriting services; taxi licenses; and trades in taxi cabs, as well as leases taxis. Further, the company provides insurance products, including single premium investment-linked, family and savings, and credit life insurance products. The company operates through a network of branches and self-service terminals in Malaysia, Hong Kong, the People's Republic of China, Cambodia, Vietnam, Laos, Singapore, and Sri Lanka. It serves retail consumers, and small and medium enterprises. The company was incorporated in 1965 and is headquartered in Kuala Lumpur, Malaysia.

Reference

Report Year: 2023
Source Files: PBB_2023_Integrated_Annual_Report_(Cover_Page_to_Page_159).md, PBB_2023_Integrated_Annual_Report_(Page_160_to_Back_Cover).md

Sustainability Committee

Sustainability Committee (Unknown pax) 🟢

  • Board Committee formed 🟢

Reporting

GRI, TCFD, Integrated Report 🟢

GHG Accounting

Public Bank Berhad demonstrates a structured approach to GHG accounting, with comprehensive reporting of Scope 1 and Scope 2 emissions totaling 64,063 tCO₂e in 2023, alongside partial Scope 3 reporting (87,223 tCO₂e total). Strengths include adherence to the GHG Protocol, use of IPCC guidelines, and limited third-party assurance, ensuring data credibility. Emission intensity (4.4 tCO₂e/FTE) provides a useful benchmark. However, Scope 3 reporting gaps remain, particularly in non-financed emissions categories. The absence of a defined base year for reductions limits tracking of progress. Improvements could include expanding Scope 3 coverage and setting clearer baseline targets to align with net-zero commitments by 2050.

Emissions

Scope Value Note
Scope1 Reported 🟢 Direct emissions from fuel and refrigerants.
Scope2 Reported 🟢 Indirect emissions from purchased electricity.
Scope3 Partially reported ⚠️ Includes business travel and employee commute; financed emissions disclosed for five asset classes.
Biogenic emissions Not applicable → No biomass or biofuel usage reported.

Other Details

  • Base year: Not specified ⚠️
  • Boundary inventory: Operational control 🟢
  • Gwp basis: IPCC 🟢
  • Standard: GHG Protocol 🟢
  • Data collection approach: Mixed methods 🟢
  • Third party verification: Limited assurance 🟢
  • Carbon intensity: 4.4 tCO₂e/FTE, limited assurance 🟢

Efforts

  • Carbon neutral target by 2030 🟢
  • Net zero by 2050 🟢
  • Waste management implemented 🟢
  • 650 MWh green electricity 🌞
  • RM53.91B sustainable finance 🌱

Social Highlights

  • 1M+ lives improved 🥗
  • RM1.2M on community 🥗
  • 48.8% female senior management 🥗
  • 1.7 hours ESG training 🥗
  • Limited data available ⚠️

Governance

  • Salary disclosure: Disclosed 🟢

Report Quality

Commendable effort by Public Bank Berhad in delivering a detailed sustainability report for 2023 🟢. The report excels with quantifiable metrics such as GHG emissions (87,223 tCO₂e), sustainable finance mobilisation (RM53.91 billion), and social impact (1M+ lives improved), supported by limited third-party assurance. Forward-looking commitments like achieving carbon neutrality by 2030 and net zero by 2050 demonstrate ambition. However, gaps exist in Scope 3 emissions coverage and the absence of a clear base year for reductions ⚠️. Some sections rely on generic statements about 'commitment to ESG' without specific outcomes. To enhance credibility, the bank could expand Scope 3 reporting, define measurable milestones for long-term targets, and incorporate more granular data on social and governance impacts. Overall, the report provides a strong foundation but could benefit from deeper specificity.

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This is AI model generated summary based on certain rules set by Sustify.world perspective. If the reader finds the information is incorrect, they can always approach us by sending email admin@sustify.world.

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