【Public Bank 交流专区 3】花旗说大众是亚洲最贵的银行股

小巴菲

原帖由 ThermoFisher 于 1-8-2008 08:36 AM 发表
这个世界本来就没有所谓的公平，你就看开点吧；定期存款虽然每年给你少少利息，但本金不止不会增值，还会贬值。。。。

还是你讲得有道理......

小巴菲

柯寶傑受委大眾銀行獨立董事

2008年8月1日

　  
（吉隆坡31日訊）大眾銀行宣布，委任柯寶傑為獨立非執行董事，任期由2008年7月30日起生效。
柯氏是馬來西亞稅務學院及特許執業會計師協會的委員；他同時也是馬來西亞會計師學會、馬來西亞特許執業公共會計師會員，以及馬來西亞特許管理會計師學院的會員。
他自1982年10月1日起，就成為KPMG會計事務所的合夥人，在2000年10月，他被委任為高級合夥人（在其他會計事務所也被稱為管理合夥人）直至07年9月30日。他于07年12月31日自KPMG會計事務所退休。
柯氏在審計、稅務及破產事務的實踐工作上富有經驗，並曾在大馬及英國工作。他的經驗遍及企業重組、中止合併，及私營化等事務。
同時，從08年7月30日起，柯氏也被委出任大眾銀行4家子公司的董事，即大眾投行、大眾金融控股、大眾銀行（香港）有限公司，及大眾財務有限公司。他目前也是IOI集團、南北大道，及馬電訊的獨立非執行董事。

ThermoFisher

无花兄，要找有职业道德的维修员帮你修理硬碟，否则那些重要资料就会像"陈冠希的照片"外泄出去。。。

ah-b

气死~
昨晚就set了卖10.20~
想到除息后会跌,哪里知道还起~

klagigi

原帖由 ah-b 于 1-8-2008 12:33 PM 发表
气死~
昨晚就set了卖10.20~
想到除息后会跌,哪里知道还起~

这就是PBB的特别之处。。。

我等了好久都还没机会买进。。

无花

从陈冦希下面看上来是吸管陈....  吸管罢了
我无花就不同, 从下面看上来叫"哗ooo....."  
闲事谈完.....
==========================================
有谁有空做银行的的贷款的break down 对比???

ThermoFisher

我知道你鸟大啦，哈哈。。。

你想贷款吗？我还以为银行是根据个别情况（期限，数额和风险）来决定贷款利率，即使现在break down出来也不能做准。

ThermoFisher

Banking Statistics, June 2008
– Still strong, but some softening expected

Loans growth. Banking system loans growth rose 11.7% YoY in June (May:
+11.0%), where both household and business loans grew by 8.9% YoY (May:
+8.7%) and 14.4% YoY (May: +12.6%) respectively. 2008-YTD loans growth was
6.5%, which was more positive than 2007-YTD’s +3.5%.

Forward indicators. Nevertheless, overall forward-looking loan indicators were
still showing signs of weakness in June: -5.2% YoY in loan applications (May: -
9.7%) and -23.4% YoY in loan approvals (May: -19.0%).
Business loans applications declined (June: -25.8% YoY; May: -27.1% YoY) and
approvals (June: -45.6% YoY; May: -38.2% YoY). However, household loans
applications grew (June: +32.4% YoY; May: +18.8% YoY) and approvals (June:
+22.9% YoY; Apr: +20.4% YoY). The cause was high base effect from a large
syndicated bridging finance facility provided during the same period in 2007.
However, on a MoM basis, business loans application was up 6.4% due to higher
financing for working capital, especially in transport, storage and communications,
while household loans application was also up 4.4%.

Deposits growth. Banking system’s total deposits raised at 10.9% YoY (May:
+8.7%), with contributions mainly from foreign non-bank entities and individuals.

Liquidity. The banking system’s loan-to-deposit ratio was 72.2% in June (May:
71.3%). Bank Negara Malaysia (BNM) injected liquidity into the interbank market
again in June (it injected liquidity in May, after withdrawing for 7 months).

Interest rates. The average lending rate (ALR) continued to decline to 6.08% in
June (May: 6.13%) due to competition and liquidity in the system. Deposit rates
meanwhile remained unchanged. Due to higher inflation, real fixed deposit rates
have turned negative since May (June: -4.38%, May: -0.49%). The ALR-BLR gap
widened further to -0.64% (May: -0.59%).

Asset quality. Banking system capitalisation stayed strong with core capital ratio
at 10.1% (May: 9.9%) and RWCR at 13.0% (May: 13..0%). Strong recoveries
and write-offs resulted in net NPL ratio declining to 2.7% (May: 2.8%). Loan loss
coverage was an estimated 82.4% (May: 80.9%).
(Source: Bank Negara Malaysia)

Comments:

Maintain our recently revised end-2008 and end-2009 loans growth forecast
of 7%-8% (end-2007: +8.6%), following the downgrade in our 2008 real GDP
growth forecast to 5.3% (from 5.7% previously) and the expected 5.1% growth in
2009 in light of the recent hikes in fuel and energy prices.
The factor behind the expected loans growth include a more cautious lending
practices by the banks and softer consumer loans growth, especially in the “bigticket”
segments like home and car loans. This is already evident from the
following measures taken by the banks effective July:
• Increases in hire-purchase (HP) rate for passenger car loans
• Removal of 20-day interest-free period on credit card owners who do not fully
settled outstanding balance.

However, the Minister of Finance (MoF) recently mentioned that banks are
supportive of the Government request to consider helping out borrowers to
reschedule their home loans and re-look at the above-mentioned credit card
policy.

At the same time, business loans growth may help to uphold overall loans growth
due to the higher need for working capital amid rising costs and expectations of
speedier implementation of projects under 9MP and regional development
corridors following the recent mid-term review.

Maintain Overweight on the Banking Sector (bottom-up approach). No
change to our earnings forecasts for the banks. While rising inflation and a
slowing economy may impact loans growth and NPLs, especially moving into
2009, we do not think the impact is detrimental – we are keeping watch on the
situation. Our top sector pick remains Public Bank (PBK MK; Buy; TP: RM12.60)
for its good dividend yield potential.

[ 本帖最后由 ThermoFisher 于 1-8-2008 04:40 PM 编辑 ]

无花

我是指在财务报告中
Loans, advances and financing 的内容.
如借出车贷多少,卡贷多少房待多少等的比较.

我个人觉得这才是大众/金融公司最主要的一环.
Loans, advances and financing 是银行拿客户的存款来放贷的.
如果这环出了问题,不但呆账多,拨備多利息收入減少.

ThermoFisher

你是指这个吗？

基金小子

今天PBB最后在5.00pm时，被一阳指打回10.10。。。。

ThermoFisher

我就是那个一阳指。。。。

基金小子

原来是你在搞鬼。。。。。。
讲下有什么好处啊???

无花

对,不过我指的是每一家银行的列表

奥萨马宾拉丁

原帖由 无花 于 31-7-2008 10:46 PM 发表
图中不是我杯茶..... 你不听Fisher乱讲.

男人烦只有两件事,昨天心情很不好已经很惨了, NoteBook的硬碟还坏掉!! 一些资料完蛋了,但我又不能确定有多少资料是重要的.:@ :@ :@ :@ :@

第一是钱。

第二是女人。

奥萨马宾拉丁

原帖由 ThermoFisher 于 1-8-2008 08:28 AM 发表
我这星期2晚8pm拿了一张CIMB的支票去进Maybank (fast cheque deposit m/c)，今早Maybank2U已经显示过了帐，一共是两个工作天。星期六应该不算，你星期2早上就可以提钱了吧。

（我不是什么大股东，别 ...

根据我的经验，帐是过了，但如果要拿钱还是要等三天。

奥萨马宾拉丁

原帖由 神_123 于 1-8-2008 08:41 AM 发表


不晓得是不是换了clearing day ，上次好像听说雪隆区的local chq 一天过账。
那天16号早上bank in ABB 和 PBB 的chq 进CIMB 17号就过账了

对！雪隆区先开跑。好象九月就要实行全马的了。

ss24

布林频带横摆，成交量达14VMA，MACD震荡指标转坏，MFI、RSI没有变化，STOCHASTIC从强势区跌破到弱势区。

股价跌破了布林中频带的动态支持线，加上MACD震荡指标圆顶形成，STOCHASTIC显示股价进入短期弱势，接下来如果布林频带打开，10.00心理水平岌岌可危。

支持在10.10，10.00， 阻力在10.25，10.30，10.55

ThermoFisher

没有好处，纯粹搞破坏。。。。。

100股是我丢的，另一百股是无花丢的。。。。

ThermoFisher

拉丁兄，星期2晚上进check，星期四早上过帐，星期五早上就可以提款，的确是两天工作天。