Public Bank Berhad (PBB) is known for its conservative and consistent dividend payouts, which have historically provided a yield in the range of 4%. This stability is due to its strong financials, efficient cost management, and solid asset quality. After the LPI takeover, PBB is likely to enhance its non-interest income and insurance segment, potentially strengthening its overall profitability and risk diversification. However, this alone may not be sufficient to make it outperform major competitors like Maybank or CIMB in total revenue, as they have broader regional and diversified operations.

Surpassing RM 25 per share, as before the split, would require significant growth in earnings, market sentiment, and broader economic conditions. While PBB remains a solid choice for long-term income and safety, especially for dividends, relying solely on one stock for retirement could be risky due to market fluctuations and changes in the banking landscape. Diversifying your investment portfolio can help manage risk and ensure a stable income for retirement. It is recommended to assess your risk tolerance and financial goals before making any major investment decisions.