还记得你第一个买的股票吗

quadro

40 至 60% 派息政策不变 · 马银行保留资本巩固业务

（吉隆坡26日讯）为应对瞬息万变的营运环境挑战，马来亚银行（MAYBANK,1155,主板金融服务组）2020财政年将专注强化流动性，甚至是保留资本来保持业务稳健。

马银行总裁兼首席执行员拿督阿都法立在线上新闻发布会上表示，受到全球经济逆风影响，集团今年专注低成本融资成长和维持流动性稳定。

“我们之前透过增加派息来向股东回退额外资本，考量到市场动荡不安和营运环境不明朗影响，未来派息将取决于盈利表现、资本保留要求和监管单位批准。”

不过，他说，集团将坚守40至60%净利派息不变。

自2015年以来，马银行资本和流动性持续高于监管要求。截至2020年3月，集团普通股一级资本率（CET1）达到14.79%，总资本率（扣除2019财政年第二中期股息后）企于18.5%的健康水平，是区域资本最充裕的银行之一。

同时，马银行流动性覆盖率保持在138.2%的健康水平，远高于监管单位要求的100%。

他补充，未来集团也将根据风险胃纳来选择性扩张贷款、透过投资与交易组合，甚至是债券资金市场交易来提高非利息收入增长，同时强化廉宜融资渠道──来往储蓄户头增长，以转嫁净利息赚益压力。

马银行主席拿督莫哈依雅妮表示，尽管冠状病毒病疫情爆发，导致市场剧烈震荡，但集团多年来深谋远虑筑起强稳的基础，特别是资本和流动性，并在增长和盈利取得平衡，让集团成功在此次疫情中屹立不摇。

“我们意识到世界正经历前所未见的时刻，并影响到我们社区的各个层面，因此集团重点工作将是确保业务和财政表现足以转嫁冲击，同时我们也优先为客户和社区提供必要援助，因为他们是企业茁壮成长的中心。”

她补充，虽然集团在疫情中将继续寻求为股东创造价值，但同时也将强化永续议程，并为受疫情冲击的客户提供帮助。

暂缓还贷款6个月
马银行估损失10亿

至于6个月暂缓还贷期对集团盈利影响，阿都法立透露，银行盈利将因此损失10亿令吉，并将反映在第二季财报上，但集团仍可透过国家银行调低法定储备金率（SRR）释出的额外流动性来推动贷款增长，或脱售固定收益资产等方式来转嫁冲击。

将反映在第二季财报

“此外，6个月暂缓还贷期的主要目的是让我们，乃至银行业有足够的时间与客户接触，并找出应对疫情的解决方案。我相信6个月时间已经足够，没有进一步延长的必要。”

询及经济疲弱会否推高净呆账，阿都法立说，集团资产素质并未出现显著变化，但真正的影响可能在6个月暂缓还贷期结束后浮现。

提醒投资者首季业绩不足反映全年

“我们预见今年净坏账率介于75至100个基点。值得注意的是，投资者不应以首季业绩表现，作为反映全年表现的参考。”

除保留资本和流动性外，阿都法立表示，集团将强化营运稳定性、打造数码解决方案，以及为客户提供援助来确保业务持续可行，其中包括作为国内经济重要一环的中小型企业。

“在这个时期，我们的主要任务是确保我们的客户能过渡难关，并支撑我们的主场（HomeMarket）市场经济。我们致力于帮助他们维持生计、扶持就业，并防止他们在短期内出现倒闭。”

他说，集团已与国内市场监管机构合作、讨论和推出解决方案，以暂时缓解受供需中断干扰，以及劳工市场错位而出现的现金流紧张局面。

旗下超过70%贷款受影响

“目前，马银行旗下超过70%的贷款处于暂缓还贷、援助或改期和重组计划。以中小企业为例，约有88%中小企业贷款处于6个月的暂缓还贷期。”

他补充，在国行总值达100亿令吉的特别救济融资（SRF）中，马银行已批出21亿令吉贷款，批准率达到77%，以为必要的中小企业提供融资援助。

“今年首5个月，我们已向中小企业放贷49亿令吉（其中包括SRF），批准率达到85%。”

与此同时，阿都法立透露，新加坡客户也越来越多参与集团暂缓还贷和援助计划，同时集团也与超过2300位零售中小企业和商业银行客户接触；马银行印尼已与几乎所有非零售贷款者，其中包括80位企业客户和7700位社区金融服务的非零售客户来评估他们的业务情况，并在必要时积极进行贷款重组计划。

此外，马银行也为多元市场提供信用卡救济协助计划、提供保费延期支付选项，以及豁免使用在线平台服务的收费。

他说：“此外，集团也将继续落实现有的成本管理秩序，同时积极与面对现金流吃紧的借贷者，其中包括饱受低油价所苦的石油与天然气公司接触，以为他们提供必要的援助。”

文章来源 ： 星洲日报 2020-06-26

quadro

各投行有自说法不一
一个说卖手套, 买银行

另一间投行说跟着趋势跑
卖银行, 买手套




图片来源 ： 星洲日报 2020-06-26

昨天下午我比较得空, 在公司一直看股市
尤其是我一直 aim aeoncr, 没想到那么快又公布第一季的 financial result

year on year -68.94%

早上的时候我看到的价钱是在 RM9.52 - RM9.58 之间
大概 4 点我看到的价钱是 RM9.60, 4 点半之后就突然变相去 RM9.30

我在等机会进场

yeey3e

quadro 发表于 27-6-2020 10:15 AM
各投行有自说法不一
一个说卖手套, 买银行

另一间投行说跟着趋势跑
卖银行, 买手套




图片来源 ： 星洲日报 2020-06-26

昨天下午我比较得空, 在公司一直看股市
尤其是我一直 a ...

金融股可以再等等，还会降息哦

我已经 all in 在黑豹和顶级了，解套了就要回归我的股息股。

希望可以顺利

quadro

yeey3e 发表于 27-6-2020 11:54 AM
金融股可以再等等，还会降息哦

我已经 all in 在黑豹和顶级了，解套了就要回归我的股息股。

希望可以顺利

是的, 我在等更好的价钱入场 目前你的黑豹和顶级被套了?

我的同事也是追高黑豹
结果他止损了

yeey3e

quadro 发表于 27-6-2020 12:01 PM
是的, 我在等更好的价钱入场 目前你的黑豹和顶级被套了?

我的同事也是追高黑豹
结果他止损了

黑豹不算，均价7.2+

顶级就是自信过度，现在均价16.8，-15%

quadro

yeey3e 发表于 27-6-2020 12:06 PM
黑豹不算，均价7.2+

顶级就是自信过度，现在均价16.8，-15%

看黑豹的趋势图, 从 4 月看起就一直升
好恐怖下

我也希望手套股的价钱会继续上升

多大概一两季可以收割了

yeey3e

quadro 发表于 27-6-2020 12:24 PM
看黑豹的趋势图, 从 4 月看起就一直升
好恐怖下

我也希望手套股的价钱会继续上升

多大概一两季可以收割了

黑豹我间中 FIFO 两轮了，只是这轮是 buy when everyone fear

顶级就真的是贪心+追高，住高楼也是自找的

我的目标也是下两季就逃了。希望可以赚，大赚就看会不会有第二轮疯炒了。

第二轮疫情已经出现，现在等的是疫情严重的国家放个话“国内医院严重缺乏手套”，那就开香槟了

quadro

股价暴跌 60% · 瑞幸下周遭退市

（图：法新社）

（纽约27日电）在美上市的中国瑞幸咖啡，因财务造假丑闻而一度在4月7日被纳斯达克交易所停牌，虽然该公司股票已在5月20日恢复交易，但瑞幸周五宣布撤销召开听证会请求，并将于下周一遭纳斯达克交易所退市，消息传出后，瑞幸股价周五在美国开盘不久后及跌至熔断，最低暴跌60%。

瑞幸咖啡曾在5月收到那斯达克交易所的退市通知后，于5月22日向交易所提交请求召开听证会，原订于6月25日举行。

文章来源 ： 星洲日报 2020-06-27

quadro

GIC-backed PRC coffee chain to be delisted from NASDAQ over US$310 million fraud

Last Friday (15 May), the New York’s NASDAQ exchange sent notice to China-based Luckin Coffee that it will proceed to delist the company’s securities from its exchange. The loss-making company was publicly listed only for about a year, in May last year (‘Luckin Coffee’s founder says sorry as Nasdaq prepares to kick out his stock for fraud, in the first expulsion of a Chinese company‘, 19 May).

The impending delisting of Luckin Coffee came after the company disclosed last month (2 Apr) that a US$310 million accounting fraud was uncovered inside the company. At the same time, Luckin announced that it had suspended COO Liu Jian for alleged misconduct. The company’s turnover was inflated by about 2.2 billion yuan (US$310 million) between the second and fourth quarters of last year, and certain costs and expenses were “substantially inflated” through fabricated transactions.

Luckin’s stock price immediately plunged 76% to USD6.40 on the day of the fraud disclosure (2 Apr), from the previous day closing of USD26.20. In the next few days, its stock price continued to drop until it reached USD4.39 on 6 Apr before NASDAQ suspended the company’s share trading.

Last Wed (13 May), COO Liu and CEO Jenny Qian were fired from the company, while six other employees involved in or had knowledge of the alleged fraud were placed on suspension or leave.

Luckin was heavily backed by institutional investors like Singapore’s GIC, and the Qatar Investment Authority.

Shares of the company resumed trading on Wed (20 May). In its news article, SCMP noted, “Shareholders, including Singapore’s GIC, and the Qatar Investment Authority – according to exchange filings at the end of February – are almost certainly to rush for the exit when trading resumes, as Luckin Coffee faces expulsion (from NASDAQ) pending the outcome of its appeal.”

Since the resumption of trading, Luckin’s stock price continued to drop in the last 2 days: USD2.82 (20 May), USD2.01 (21 May).

NASDAQ has also introduced new rules to make it more difficult for some Chinese firms to float on the exchange. They include tougher accounting rules and a requirement that an IPO raises at least US$25 million.

Luckin Coffee – a Starbucks wannabe

According to a report from Reuters, Luckin Coffee started selling coffee drinks in Jan 2018. Some 6 months later, Luckin was able to raise US$200 million in its maiden fundraising round which valued the startup at US$1 billion. Investors included Singapore’s GIC.

By Nov 2018, Luckin raised another US$200 million which increased the company’s valuation to US$2.2 billion. GIC also participated in this second round of financing.

Luckin Coffee’s goal was to challenge Starbucks. It spent millions of dollars a year opening new outlets, trying to unseat Starbucks in China. But Starbucks has also been expanding at break-neck speed, opening a new store roughly every 15 hours.

To increase its customer base, Luckin would offer free vouchers to customers. But chasing after the entrenched Starbucks has proven to be costly to Luckin. It was reported that Luckin is burning through US$130 million a year and would continue to see losses. The company reported a net loss of US$241.3 million for 2018, on total revenue of US$125.3 million (‘Share price of GIC-backed PRC coffee chain plunges 75.5% after investigation finds COO fabricated sales’).

It’s not known how many shares GIC has sold and got out of Luckin but according to a regulatory filing, as at 28 Feb this year, GIC has 42,572,128 shares (5.4%) of the company. Luckin is now valued at about $0.5 billion as of yesterday’s close (21 May).

On its website, GIC explained that it manages the proceeds from the bonds – Special Singapore Government Securities (SSGS) – that are issued by the Singapore Government, which the CPF Board has invested in with the CPF monies. “So while the CPF monies are not directly transferred to GIC for management, one of the sources of funds for the Government’s assets managed by GIC is the proceeds from SSGS,” GIC said.

Muddy Waters exposes Luckin’s fraud

California-based Muddy Waters Research which used to cross swords with Temasek over Olam a few years ago, sounded alarms over Luckin in Jan this year. It published an anonymous 89-page report that accused Luckin of being a “fraud”. The report, which cited “smoking gun evidence” including 11,260 hours of traffic videos, alleged that Luckin exaggerated daily items per store by more than half during the second half of 2019.

Luckin at first denied the evidence. Then a couple of months later, it disclosed that its COO together with the other members of senior management of the company were fabricating fictitious transactions to inflate revenue.

Muddy Waters founder Carson Block told the media, “This is again a wake-up call for U.S. policymakers, regulators, and investors about the extreme fraud risk China-based companies pose to our (US) markets.”

quadro

投资买股票最怕是买到龙筹股
上市的目的是为了集资扩展生意, 并非是为了..........

这家咖啡上市公司将要在 Nasdaq 交易所下市
报导还提到某个国家的投资机构也有投资在这家连锁店之内

yeey3e

quadro 发表于 28-6-2020 11:32 AM
投资买股票最怕是买到龙筹股
上市的目的是为了集资扩展生意, 并非是为了..........

这家咖啡上市公司将要在 Nasdaq 交易所下市
报导还提到某个国家的投资机构也有投资在这家连锁店之内  ...

其实不只是龙筹股，新加坡 hyflux 也是一单，我的同事买了血本无归
马股年头就有伦敦饼

其实说真的，这种做账的漏洞，我们这种投资者是根本不可能看得出的

真的买到就真的要去冲花水去霉运了

Skymaster1188

龙筹股的意思是？ 上网找了一下。。是中国概念股？可是我不是很明白哦。。。。

新加坡 hyflux， 马股伦敦饼发生什么事啊？
我只是大概知道马股伦敦饼下市了。。。对吗？ 其他的真的blur blur 了。。。

yeey3e

Skymaster1188 发表于 28-6-2020 05:31 PM
龙筹股的意思是？ 上网找了一下。。是中国概念股？可是我不是很明白哦。。。。

新加坡 hyflux， 马股伦敦饼发生什么事啊？
我只是大概知道马股伦敦饼下市了。。。对吗？ 其他的真的blur blur 了。。。

通常指的是来其他国家上市的中国公司，就一个壳而已

hyflux 和 伦敦饼都是因为账目问题而使到很多投资者血本无归

cescloh

quadro 发表于 28-6-2020 11:32 AM
投资买股票最怕是买到龙筹股
上市的目的是为了集资扩展生意, 并非是为了..........

这家咖啡上市公司将要在 Nasdaq 交易所下市
报导还提到某个国家的投资机构也有投资在这家连锁店之内  ...

Luckin Cafe在茨廠街那邊，靠近我工作地方，常常跑去那裡吃的哈哈

quadro

cescloh 发表于 28-6-2020 08:41 PM
Luckin Cafe在茨廠街那邊，靠近我工作地方，常常跑去那裡吃的哈哈

在你工作那里的 luckin kopi 好像和这间在美国 Nasdaq 交易所上市的 luckin coffee 有分别咧

luckin kopi 的象征动物是一条金鱼

可是美国的 luckin coffee 的象征动物是一只长角鹿

quadro

yeey3e 发表于 28-6-2020 01:19 PM
其实不只是龙筹股，新加坡 hyflux 也是一单，我的同事买了血本无归
马股年头就有伦敦饼

其实说真的，这种做账的漏洞，我们这种投资者是根本不可能看得出的

真的买到就真的要去冲花水去霉运了

是的, 其实不仅仅有龙筹公司是这样
就连其它公司也是这样, 现在市道不好要多注意下自己本身投资的公司经营模式是如何的

尤其是那些供应量少, 需求少的公司
看了都可怕呀

hyflux 是新加坡本地人经营的公司吗?
还有 Hin Leong Trading 也是一样

quadro

Skymaster1188 发表于 28-6-2020 05:31 PM
龙筹股的意思是？ 上网找了一下。。是中国概念股？可是我不是很明白哦。。。。

新加坡 hyflux， 马股伦敦饼发生什么事啊？
我只是大概知道马股伦敦饼下市了。。。对吗？ 其他的真的blur blur 了。。。

yeey3e 说对了, 就是在其它国家上市的大陆公司
买这些公司之前要注意一下, 有些公司的帐目有问题

quadro

Three China-based companies found giving false financial statements to Bursa

March 29, 2019 19:03 pm +08

KUALA LUMPUR (March 29): Three China-based companies, namely China Stationery Ltd, Xingquan International Sports Holdings Ltd and Maxwell International Holdings Bhd, have been found furnishing false or misleading financial statements to Bursa Malaysia.

This, according to the Securities Commission Malaysia (SC), were among securities law breaches the three companies committed, for which they have been rapped by the SC.

In the case of CSL, SC said it also reprimanded its executive chairman and CEO Chan Fung @ Kwan Wing Yin, former executive director Angus Kwan Chun Jut and former independent non-executive director Herman Widjaja for committing the above offence.

Chan was further reprimanded for causing two of CSL's wholly-owned subsidiaries to be a guarantor for his personal loans, "with the intention of causing wrongful loss to the said subsidiaries".

Chan and Angus were also reprimanded for failing to respond to the SC when served with written notices requesting for information.

Xingquan, meanwhile, was reprimanded together with its executive chairman and CEO Datuk Wu Qingquan, executive director Wu Lianfa, former non-independent non-executive director Ng Sio Peng and former senior independent non-executive director Zhou Li Yi.

Besides furnishing false or misleading financial statements to Bursa, the reprimand was also for falsely recording a loss of renminbi 415.7 million from the sale of inventory by Xingquan's wholly-owned subsidiary, furnishing a false agreement to Bursa between the said subsidiary and a third party, and recording cash and bank balances in eight bank accounts collectively belonging to Xingquan that were false or misleading.

Qingquan and Lianfa were also rapped for failing to respond to the SC when the regulator sought more information.

In the case of Maxwell, it was reprimanded together with its president and executive director at the material time, Li Kwai Chun, and independent non-executive director Su DeMou, and former chief financial officer Tan Swee Song for recording in Maxwell's financial statements a payment of renminbi 45.6 million by Maxwell's wholly-owned subsidiary, which was a false or misleading information.

Li, Su and Tan, together with Maxwell and its former CEO and executive director Xie Zhenan, were also reprimanded by the SC for furnishing false or misleading financial statements to Bursa.

The SC is also of the opinion that the retention of office by four of the directors in the three companies are prejudicial to public interest. The four directors are: CSL's Chan as executive chairman and CEO, Xingquan's Qingquan as executive chairman and CEO, Xingquan's Lianfa as executive director, and Maxwell's Li as non-independent, non-executive director.

"In making this public statement under section 354(3)(f)(ii) of the Capital Markets and Services Act 2007 (CMSA) against the four directors, the SC took into consideration, among others, the seriousness of the breaches committed by these individuals," the SC said.

SC said that the companies are given a period of 30 days from the date the sanctions are meted out to make their appeal.

It also noted that Bursa Malaysia had suspended the trading of Maxwell on May 10, 2018, Xingquan on June 8, 2017, and CSL on Dec 5, 2018.

新闻来自 The Edge Market

yeey3e

飞天豹～

组合剩顶级还处于红色，明天应该有机会变青了

Sardine01

yeey3e 发表于 29-6-2020 05:44 PM
飞天豹～

组合剩顶级还处于红色，明天应该有机会变青了

恭喜yee大持股大涨，就如奇门遁甲预测一样


竟然可以忍受15%的Loss，如果是我，持股早就停损了
高手赚钱是理所当然，值得学习