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[公司专区] 1155 Maybank 馬銀行

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发表于 2010-1-30 16:21 | 显示全部楼层 |阅读模式
看到没有人开,所以就开个maybank帖来讨论下。想买几粒蓝筹来做长期投资,一想就想到maybank所以查下他的年报。一查就不得了,看到2009年的profit大跌,跌了整75%。 因为我是股票新手,就把功课放上来一起分享。 不知道有没有什么错处,一看到数据我也吓了一跳。

从年报265页可以看到
                                                                                                   2009                           2008
Allowance for losses on loans,advances and financing               1,698,814                   810,061
Impairment losses                                                                       197,489                      66,235

详细的请看年报

ROE 和 EPS 大跌,PE整64,profit margin 小得很
这样的数据,maybank 前景可观吗? 附上了public bank 的数据来比较

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谢谢分享  发表于 2016-2-12 22:31

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参与人数 1威望 +2 收起 理由
大时代 + 2 谢谢分享

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发表于 2010-1-30 19:07 | 显示全部楼层
其实你说的allowance不是重点,allowance16亿 vs 总贷款1800亿,少过1%。

当然我们也不能忽略这“1%”,因为最后结果可能是由很多个“1%”决定的。

不过,这1%不是重点。

http://www.investalks.com/viewth ... &extra=page%3D2

个人建议,先注意 “Non-performing during the year”。

这是一年内出现的逾期坏帐,你看看是不是每年都这么高? 如果是,我们就可以解释maybank的房贷很宽松。

必须强调,银行的指标有好多东西要兼顾,太多了。

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谢谢分享  发表于 2016-2-12 22:31

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 楼主| 发表于 2010-1-30 23:05 | 显示全部楼层
查过了, maybank 的 ratio of net non performing loan
2009-1.51%
2008-1.85%

PBBank 的
2008-0。86%
2007-1。23% 2009 还没有年报所以看不到

1。多% 不会很多啊。。。

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谢谢分享  发表于 2016-2-12 22:31

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 楼主| 发表于 2010-1-30 23:23 | 显示全部楼层
本帖最后由 HanMing 于 2010-1-30 23:40 编辑



total impairment loss 还多过 profit before tax, 这是2009才有的,2008没有。

impairment losses on goodwill 有整 1619518, 是怎样计算呢?goodwill 不会很抽像吗, 还有为什么goodwill 2009 年会有impairment loss? Maybank近期又没有什么坏消息。

觉得越来越信不过

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谢谢分享  发表于 2016-2-12 22:31

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发表于 2010-1-31 00:50 | 显示全部楼层
本帖最后由 tcs 于 2010-1-31 01:05 编辑

如果你有留意去年的新闻,这是收购印尼银行引起的,当时市场一面倾向“讨伐”声音,但maybank却一路上涨(无视附加股折价),所以股价是不能预测的。

但另外也有声音说,印尼的收购很合理。

这些新闻我没注意,不妨找来分析看看。

maybank interest income增加8亿 (115.7-107.6)。provision charge of the year 增加9亿(16.99-8.1),所以去年maybank的interest income是持平的。
我没有认真算过原因出在哪里。

我比较喜欢 Non-performing during the year , write-off during the year , reclassification non-perform to perform组合数据。 npl rate不能反映全部。

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谢谢分享  发表于 2016-2-12 22:31

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 楼主| 发表于 2010-1-31 01:27 | 显示全部楼层
Source: http://www.maybank2u.com.my/mbb_ ... outUs/AU02-Newsroom

Strong performance for Maybank in Q1FY10 with net profit 54% higher at RM882 million

Overview of Financial Results

The performance of the Group was buoyed by an overall growth of 54% in net income for the period which rose to RM3.15 billion from RM2.05 billion in the previous corresponding period.
Net interest income for the Group grew 28.7% to RM1.63 billion from RM1.27 billion previously, on the back of an annualised 11.2% growth in loans as well as higher lending margins particularly in BII.

The net interest margin for the quarter improved by 30 basis points to 2.82% compared to 2.52% in September 2008. The better margin is attributed mainly to lower cost of customer deposits as a result of the rights issue proceeds as well as improved margins on loans and from overseas operations.

Non-interest income (including marked to market gain/loss on derivatives and securities held for trading) more than doubled to RM1.14 billion from RM495 million previously mainly arising from robust growth in investment and trading income as well as transactional income including transactional fees, foreign exchange profit and net premiums written. Investment and trading income soared to RM104.4 million from RM11.5 million previously while transactional income rose to RM624.6 million from RM460.3 million previously.

Overhead costs for the Group (excluding claims) increased by 31.8% over that of the corresponding period as a result of the consolidation of BII overhead costs. Excluding BII, overhead costs increased by 4.7%.

The Group's allowance for losses on loans, advances and financing rose by RM232.3 million to RM417.7 million due mainly to the incorporation of BII provisioning for this quarter and increase in provisions in the Malaysian domestic operations during the period. BII consolidated figures were not included in the previous corresponding quarter as the acquisition was only completed on 30 September 2008.

However, compared to the preceding quarter ended June 2009, loan loss and provisions for the current quarter was 46.6% lower.

Overall, the Group's loan loss coverage continued to be comfortable improving from 112.9% in June 2009 to 113.2% as at September 2009.

Loans & Deposits

Gross loans for the Group grew at an annualised rate of 11.2% during the quarter compared to June 2009. Excluding BII, annualised loan growth was 10.1%. The Malaysian operations registered an annualised loan growth of 9.7%. BII recorded an annualised loan growth of 12.1% while Singapore operations saw loans grow by 12.3%.

Loans in the Malaysian operations were boosted by a 12.5% rise in consumer loans led by increases in securities financing (+13.9%), automobile financing (+11.4%), credit card receivables (+10.6%), and mortgages (+4.9%). Loans to the corporate sector continued to grow strongly at 20.3% while SME loans registered a contraction of 22.4%.

Total deposits from customers grew at a rate of 8.6% from a year earlier to reach RM218.8 billion, while total assets increased by 8.2% to RM317.0 billion. The Group's loan to deposit ratio was stable at 87.3%.

International

Singapore

Pre-tax profit at the Singapore operations grew 8.9% to SGD81.2 million from SGD74.6 million previously, supported mainly by a 25% rise in fund based income. The operations saw continued improvement in asset quality with its net NPL ratio falling to 0.10% from 0.16% in June 2009 although provisioning rose marginally by 3.5% to SGD16.8 million. Loans to the corporate sector grew 7.2% year-on-year while consumer loans rose 4.8% led by automobile loans which grew 8% and housing loans 4.8%.

Bank Internasional Indonesia (BII)

BII registered a profit after tax of Rp 131 billion for the quarter compared to Rp 11 billion in the previous corresponding period. Operating income after provisioning grew to Rp 195 billion compared to a loss of Rp 13 billion in the last year.

Group loans grew by 12.6% from June 2009 on an annualised basis. Net interest margin improved further to 6.21% in September 2009 from 6.11% in June 2009 while cost-to-income ratio fell to 63.7% from 65.4% in the previous corresponding period. BII's performance was also buoyed by continued improvement in performance of its subsidiary WOM Finance during the quarter, demonstrating a clear trend of turnaround at the outfit.

Islamic Banking

The Group's Islamic banking operations registered a 23.9% increase in gross attributable income to RM465.7 million during the quarter under review on the back of a 26% growth in financing. However, profit before tax for the Islamic banking operations was 35.2% lower at RM63.1 million due to higher loan loss and provision of RM171 million. Nevertheless, asset quality continued to improve with net non-performing financing improving to 1.66% from 2.49% in the previous corresponding period, while the financing-to-deposit ratio stood at 102%.

Insurance & Asset Management

This sector recorded a 60.6% growth in pre-tax profit to RM80 million for the quarter from RM31.5 million in the previous corresponding quarter. The better performance was mainly due to higher gross premium and investment yield, coupled with lower management fees and a stable loss ratio.
Combined Gross Premium grew by 17% which was contributed by a 15% growth in general and 19% growth in life/family insurance and takaful. Motor premium rose 32% while single and regular premium increased 5% and 9% respectively.

Investment yield improved to 5.5% from 4.3% in the previous corresponding period owing to the good stock market performance. Total assets under management meanwhile rose to RM19 billion from RM18.6 billion due to new business acquisitions during the period.

这篇文章很长下,我只帖重要的,如有兴趣可以link去读
简单来说maybank在singapore和indonesia都在赚钱,loan growth rate也增加。比起往年的同一个quarter增加了11。2%。singapore 和 Indonesia 的各12.3% 和12.1%。不错的成绩,就是不明白为什么会有impairment losses on goodwill

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谢谢分享  发表于 2016-2-12 22:32

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发表于 2010-1-31 01:39 | 显示全部楼层
Source: http://www.maybank2u.com.my/mbb_ ... utUs/AU02-Newsroom/ ...
HanMing 发表于 2010-1-31 01:27


impairment 是因为maybank 替收购提供了亏损拨备,原因是出价过高。

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 楼主| 发表于 2010-1-31 01:59 | 显示全部楼层
impairment 是因为maybank 替收购提供了亏损拨备,原因是出价过高。
tcs 发表于 2010-1-31 01:39


就是说其实还没有亏,只是预定款项以备而已。谢谢。真的还有很多功课需要做

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发表于 2010-1-31 16:35 | 显示全部楼层
If ChartNexus signal is correct
> maybank will keep falling down in coming days.
> affinbank will at uptrend if hit RM2.6.
I'm studying on this ChartNexus signal and wonder how true is it.

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发表于 2010-2-9 18:38 | 显示全部楼层
本帖最后由 大时代 于 2010-5-14 00:32 编辑

MAYBANK Q2 Financial Report:

SUMMARY OF KEY FINANCIAL INFORMATION
31/12/2009

INDIVIDUAL PERIOD
CUMULATIVE PERIOD
CURRENT YEAR QUARTER
PRECEDING YEAR
CORRESPONDING
QUARTER
CURRENT YEAR TO DATE
PRECEDING YEAR
CORRESPONDING
PERIOD
31/12/2009
31/12/2008
31/12/2009
31/12/2008
$$'000
$$'000
$$'000
$$'000
1Revenue
4,671,338
4,729,885
9,236,464
8,462,348
2Profit/(loss) before tax
1,399,954
960,285
2,556,169
1,842,059
3Profit/(loss) for the period
1,023,380
734,668
1,930,133
1,305,424
4Profit/(loss) attributable to ordinary equity holders of the parent
993,502
734,560
1,875,305
1,306,733
5Basic earnings/(loss) per share (Subunit)
14.04
13.35
26.50
23.76
6Proposed/Declared dividend per share (Subunit)
11.00
0.00
11.00
0.00








AS AT END OF CURRENT QUARTER
AS AT PRECEDING FINANCIAL YEAR END
7
Net assets per share attributable to ordinary equity holders of the parent ($$)
3.8006
3.5179

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谢谢分享  发表于 2016-2-12 22:32

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发表于 2010-2-9 18:41 | 显示全部楼层
EX-date
:
02/03/2010
Entitlement date
:
04/03/2010
Entitlement time
:
05:00:00 PM
Entitlement subject
:
Interim Dividend
Entitlement description
:
Interim Dividend of 11 sen per share less tax 25%
Period of interest payment
:
to
Financial Year End
:
30/06/2010
Share transfer book & register of members will be
:
05/03/2010 to 05/03/2010 closed from (both dates inclusive) for the purpose of determining the entitlements
Registrar's name ,address, telephone no
:
SHARE REGISTRATION
CORPORATE & LEGAL SERVICES
14TH FLOOR MENARA MAYBANK
100 JALAN TUN PERAK
50050 KUALA LUMPUR
Payment date
:
16/03/2010

a.

Securities transferred into the Depositor's Securities Account before 4:00 pm in respect of transfers
:
04/03/2010

b.

Securities deposited into the Depositor's Securities Account before 12:30 pm in respect of securities exempted from mandatory deposit
:
02/03/2010
c.Securities bought on the Exchange on a cum entitlement basis according to the Rules of the Exchange.
Number of new shares/securities issued (units) (If applicable)
:
Entitlement indicator
:
Currency
Currency
:
Malaysian Ringgit (MYR)
Entitlement in Currency
:
0.11

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谢谢分享  发表于 2016-2-12 22:32

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发表于 2010-2-10 08:33 | 显示全部楼层
每股派息11仙 馬銀行上半年淨利漲43%

(吉隆坡9日訊)馬銀行(MAYBANK,1155,主板金融股)2010財政年上半年(截至去年12月31日)淨利按年增長43.5%,至18億7500萬令吉,上一財政年同期為13億零673萬3000令吉,主要是因為該公司在消費銀行、企業銀行、投資銀行、保險、新加坡及印尼業務皆取得強勁表現。

與此同時,馬銀行宣佈派發每股11仙的毛中期股息,這等於31.1%的股息派發率。

馬銀行主席兼首席執行員拿督斯里阿都瓦希在該公司召開的業績匯報會上表示,由於國內經濟環境改善及馬銀行無須做出減損撥備,該公司預期,現財政年全年業績表現將顯著改善。

他透露,馬銀行全年營業額成長及股本回酬率,將分別超越該公司設下的8%及11%關鍵表現指標。

另一方面,他也預測,國家銀行將在今年6月30日前,將隔夜政策利率調高50至75個基點。

次季淨利增長35.3%

馬銀行在今天公佈截至09年12月31日的首半年業績表現,其首半年營業額從上一財政年同期的84億6234萬8000令吉,增長9.1%,至92億3646萬4000令吉。

以首半年來看,馬銀行營業額成長,因為貸款改善及淨利息賺幅穩定,促使淨利息收入按季及按年,分別增長3.4%及17.7%。

至於次季單季表現,其淨利從上一財政年同期的7億3456萬令吉,增長35.3%,至9億9350萬2000令吉;營業額則微跌1.2%,至46億7133萬8000令吉,上一財政年同期為47億2988萬5000令吉。

阿都瓦希表示,其核心商業銀行運作預計將表現得更好。在經濟恢復成長的情況下,來自所有組別的貸款將出現正面,惟緩慢的成長。

他說,消費者情緒改善,將帶動馬銀行的消費者融資成長,投資銀行及保險業務則將在更好的資金市場前景下受惠。

他預期,該公司海外業務將取得更好的表現,因為全球經濟復甦及該公司進行業務擴展行動。

「印尼國際銀行顯著改善。隨著該銀行管理層採取新業務策略後,及印尼擁有充滿活力的銀行體系,該銀行會進一步成長。我們在新加坡的業務,也會在成長上帶來貢獻。」

他也指出,現階段,馬銀行將專注在現有的海外市場,因此,沒打算進行另一輪的區域併購。此外,歐洲目前發生的主權債務危機,也不會對該公司構成影響。

另外,該公司旗下的印尼國際銀行正進行附加股行動,將從中集資1億5000萬美元,以充當資本上的擴充行動,包括擴大當地的自動提款機網絡。

http://www2.orientaldaily.com.my/read/LBZ/2o0003Ld1cuF013Q0mix2uqm1etD0ubo

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谢谢分享  发表于 2016-2-12 22:32

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发表于 2010-2-10 22:29 | 显示全部楼层
業績表現超預期 馬銀行財測調高

(吉隆坡10日訊)馬銀行(MAYBANK,1155,主板金融股)2010財政年首半年(截至去年12月31日)業績表現普遍上超越市場預期,所以,大部份分析員調高其盈利預測。

與此同時,馬銀行股價也在週三聞風起舞,盤中交易一度漲14仙,或2.1%,至6.86令吉全天最高水平;閉市前,該股稍微收窄漲幅,最後以6.84令吉掛收,全天起12仙,或1.8%。

以全年化計算,僑豐投行分析員表示,馬銀行2010財政年首半年表現比他們和市場全年預測高出23%,其核心淨利按年成長18.1%。他說,馬銀行表現強勁,主要是因為非利息收入按年漲77.8%,以及信貸成本低於預期。

達證券分析員也表示,馬銀行的首半年淨利19億令吉,佔了他們和市場全年預測的60%,表現明顯超越預期。

黃氏星展投行分析員也贊同地說,馬銀行2010財政年次季淨利表現為市場帶來驚喜,主要是由較高的非利息收入帶動。

為了反映馬銀行比預期強勁的業績表現,他將馬銀行2010至2012財政年盈利預測,分別上修8至12%。僑豐投行將其2010和2011財政年盈利預測,分別調高18.9%和9.2%。至於達證券則維持馬銀行2010至2012財政年盈利預測。

無論如何,艾芬投行分析員認為,馬銀行上半年業績雖然比市場預期高出17%,不過,卻比他的預測低18%。

「我們已將馬銀行較高的非利息收入反映在預測中,但其貸款虧損撥備金和營運開銷卻高於我們的預測。」

有鑑於此,該分析員將馬銀行2010至2012財政年盈利預測,分別調低8.5至17.7%。

儘管馬銀行的資產素質及呆帳存有隱憂,該分析員相信,馬銀行正逐步復甦,受廣泛的復甦及印尼國際銀行推動海外業務支撐。

他說,馬銀行的非利息收入,將持續在今年資金市場活動的增加下受惠。然而,次季出現的強勁投資及交易收入、外匯收益及未實現按市價計算收益,料不會在第三季重現,因為股市再次轉弱。

達證券和黃氏星展投行維持該股「守住」評級,它們的目標價分別是7.70令吉和7.30令吉;僑豐投行給予該股「中和」評級,目標價則調高至7.05令吉,之前為6.95令吉。艾芬投行維持該股「增持」評級,目標價則是7令吉。

http://www2.orientaldaily.com.my/read/LBZ/2b4K0D0910Xg0c3e00Vq2yW91jpj11ax

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谢谢分享  发表于 2016-2-12 22:32

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发表于 2010-3-26 08:34 | 显示全部楼层
馬銀行擬推股息再投資計劃

(吉隆坡25日訊)馬銀行(MAYBANK,1155,主板金融股) 表示, 該公司建議進行股息再投資計劃(Dividend Reinvestment Plan),讓其股東利用所獲派的股息,買進馬銀行每股面值1令吉的新股。


馬銀行文告指出,有意進行上述計劃,是為了讓該公司的股東通過認購新股,加強及最大化其股東價值。

至於新股的發售價,將以5天權益平均價的不超過10%折價發售。

股東可以選擇接受現金或通過認購該公司的額外股票進行再投資,而無須支付一般股票交易所需的成本。

http://www2.orientaldaily.com.my ... fd102oa3E8p2J256T0I

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谢谢分享  发表于 2016-2-12 22:32

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发表于 2010-3-26 09:38 | 显示全部楼层
啊?什么东东? 可不可以多加解释,小弟没有经历过这类型的计划。。。
alextcs 发表于 2010-3-26 09:29


意思是说公司给的股息以新发售的股票来代替。
就等于公司不需要动用到现金

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发表于 2010-5-13 20:29 | 显示全部楼层
1155    MAYBANK    MALAYAN BANKING BHD
Quarterly rpt on consolidated results for the financial period ended 31/3/2010
3rd Quarter

Current Year QuarterPreceding Year Corresponding QuarterCurrent Year to DatePreceding Year Corresponding Period
31/03/201031/03/200931/03/201031/03/2009
RM '000RM '000RM '000RM '000
1Revenue4,586,4544,265,12113,822,91812,727,469
2Profit/Loss Before Tax1,455,145653,9004,011,3142,495,959
3Profit/Loss After Tax and Minority Interest1,063,284508,8962,993,4171,814,320
4Net Profit/Loss For The Period1,030,388503,2812,905,6931,810,014
5Basic Earnings/Loss Per Shares (sen)14.569.1541.0532.91
6Dividend Per Share (sen)0.000.0011.000.00
As At End of Current QuarterAs At Preceding Financial Year End
7Net Tangible Assets Per Share (RM)3.80393.5179

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谢谢分享  发表于 2016-2-12 22:33

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发表于 2010-5-14 08:26 | 显示全部楼层
By Benjamin Low

Of DOW JONES NEWSWIRES

KUALA LUMPUR (Dow Jones)--Malayan Banking Bhd (1155.KU) said Thursday fiscal third-quarter earnings doubled to MYR1.0 billion, boosted mainly by a surge in non-interest income.

Net profit at Malaysia's largest lender by assets for the three months ended March 31 was up sharply from MYR503.3 million in the same period a year earlier.

For the nine-month period, net profit rose to MYR2.9 billion from MYR1.8 billion in the corresponding period a year earlier.

The results were above expectations, with net profit in the first nine months accounting for 85% of full-year consensus forecast, analysts said.

"At the current rate of performance and barring unforeseen circumstances, the key performance indicators set earlier are expected to be exceeded by the end of the financial year," Maybank said in a statement.

It said revenue growth is expected to surpass 15%, above its earlier target of 8% while return on equity is likely to exceed 13%, higher than its earlier target of 11%.

The strong earnings growth in the third quarter was underpinned by a 82% surge in non-interest income to MYR1.2 billion as the banking group posted higher unrealized gains on revaluation of derivatives, higher income from fees and foreign exchange gains as the ringgit strengthened.

Net interest income grew 8% to MYR1.67 billion in the third quarter while income from Islamic banking was 4% higher at MYR341.5 million, Maybank said.

Provisions for loan losses declined by nearly half to MYR215.5 million.

As at 31 March, total loans and advances were 6% higher than at the end of the previous financial year on June 31, 2009, Maybank said.

Net non-performing loans ratio improved to 1.23% as at end-March from 1.51% at end June 2009.


2355 GMT [Dow Jones] Maybank (1155.KU) may rise to test MYR8.00 psychological resistance after reporting 3Q earnings doubled to MYR1.0 billion, while for 9-month period, net profit +61% to MYR2.9 billion; results beat expectations as 9-month earnings at 85% of full-year earnings consensus, analysts say. "The strong growth is a surprise and should attract fresh buying interest on the stock," dealer says. Maybank ends +1.6% at MYR7.72. (benjamin.low@dowjones.com)

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发表于 2010-6-2 23:53 | 显示全部楼层
馬銀行冀2011財年
消費者貸款增16%


(吉隆坡2日訊)馬銀行(MAYBANK,1155,主要板金融)預計,消費者貸款可在截至2011年6月底財年增長16%,優于現財年的15%或業界10%增長率。

該行高級執行副總裁兼消費銀行主管林方達指出,預計消費者貸款和存款將保持成長動力,並超越業界表現。

他在馬銀行首個消費銀行回饋計劃的頒獎典禮后說,2011財年存款成長料保持10%,但仍優于業界的5%增幅。

“我們將繼續展開激勵消費者貸款和存款增長的活動,第二項回饋計劃並已開跑。”

他透露,為期4個月的首個回饋計劃剛在4月結束,帶動傳統和回教銀行貸款增加20億令吉,去年同期則增加8億200萬令吉。

截至今年3月,馬銀行儲蓄戶頭存款市佔率達26.8%,稍高于去年同期的26.5%,來往戶頭存款市佔率則從16.3%提高到16.9%。

http://www.chinapress.com.my/con ... t=0603bsa009a05.txt

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谢谢分享  发表于 2016-2-12 22:33

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发表于 2010-6-17 11:35 | 显示全部楼层
馬銀行撥1600萬
提升前線職員素質


(吉隆坡16日訊)馬銀行(MAYBANK,1155,主要板金融)撥出1600萬令吉,展開顧客服務轉型計劃,提升前線職員的素質。
馬銀行高級執行副總裁兼消費銀行主管林方達指出,這項計劃已在今年4月開始,初步涉及吉隆坡、雪蘭莪、馬六甲和森美蘭州的70間分行,8月才擴大到全國各地分行。

他說,顧客服務轉型計劃專注在培訓和發展,加強所有前線職員的素質。

“我們迄今已花費300萬到400萬令吉,用在培訓和縫製新制服。”

他今天為馬銀行推介方便殘疾人士使用的分行后指出,該行希望分行轉型為一站式中心,及時和友善的迎合顧客需求。

他透露,馬銀行已投資28萬令吉,提升5間分行讓殘疾人士方便使用,這些分行位于蕉賴康樂花園、霹靂州實兆遠和紅土坎、森美蘭新那旺和八打靈再也。

“在另11間分行,我們也提供一些方便殘疾人士使用的設施如斜坡(ramp)。”

林方達說,馬銀行計劃2011年7月前,在現有12間分行提供上述設施,每間約耗費4萬令吉。

http://www.chinapress.com.my/con ... t=0617bsa009a09.txt

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发表于 2010-7-27 08:38 | 显示全部楼层
利息收入走高 呆帳下跌 
馬銀行末季業績向好

(吉隆坡26日訊)隨著預期馬銀行(MAYBANK,1155,主板金融股)的淨利息和非利息收入走高,加上其呆帳走低,分析員預測,該集團即將公佈的2010財政年末季(截至6月30日)業績將比第三季出色。

預計馬銀行將在8月20日,公佈其2010財政年末季和全年業績表現。

MIDF研究分析員表示:「相比於第三季的業績表現,該集團末季的表現將會改善,主要是因為貸款基礎擴大和較高的淨利息賺幅,帶動淨利息收入,同時,較高的非利息收入(較強保險保費及貸款成長、較高的外匯盈利和股票行收入),也是主要貢獻來源之一。」

此外,其管理層也暗示,其資本市場交易保持強勁。分析員預測,其2010財政年淨利達到38億令吉,也意味著相等於14.2%的股本回酬(ROE)。

「我們相信,一旦該集團在8月20日公佈其2010財政年的業績表現,該集團的股本回酬將超越其13%的目標。」

2010財政年第三季,馬銀行的淨利息賺幅為2.76%(包括印尼的BII銀行)和2.5%(扣除BII銀行)。

隨著國家銀行分別在3月和5月共升息50個基點之後,分析員相信,馬銀行2010財政年末季淨利息賺幅按季將有所改善。

放眼貸款成長10%

另一方面,馬銀行管理層放眼在2010財政年取得10%的貸款成長,而BII銀行貸款成長則將維持在25%。印尼的貸款將會依賴較高賺幅的業務,如汽車貸款和信用卡業務。

此外,BII銀行將會專注結構性貿易融資、原產品融資(包括米和糖)以及為中小型企業供應連鎖融資。

馬銀行2010財政年第三季呆帳從第二季的3.3%,下跌至3.1%;淨呆帳則從1.4%,下滑至1.36%。分析員預測,2010財政年末季的呆帳率將進一步改善,以反映較好的資產素質。

隨著進入2011財政年首季,該集團將會開始採納新會計準則FRS139。

另外,管理層放眼海外營運在2015年佔該集團盈利的40%比重(新加坡、印尼和其他海外市場分別占15%、15%和10%)。管理層也預測,其海外貸款將在2015年達到該集團總貸款的40%比重。

整體而言,分析員重申「買進」馬銀行,目標價格維持在8.90令吉。

http://www2.orientaldaily.com.my ... P010l5Z77jN2m7w7tNU

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