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[公司专区] 1295 PUBLIC BANK 大眾銀行

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发表于 2009-12-11 17:19 | 显示全部楼层
大眾銀行發2.23億票據
大馬財經 即時新聞  2009-12-11 10:54

(吉隆坡)大眾銀行(PBBANK,1295,主板金融組)週四(12月10日)宣佈發售第3批總值2億2300萬令吉的次級中期票據,屆滿期為2019年12月10日。

這批次級票據期限長達10年,首次選擇性贖回日期是2014年12月10日。從2009年12月10日至2014年12月9日年利率為4.6%,從2014年12月10日至2019年12月10日年利率為5.6%。

這批證券將當作大眾銀行第二級資本,發售收益將會當作營運資本或一般銀行及其他企業開銷。

星洲互動‧2009.12.11
http://www.sinchew-i.com/node/129995?tid=5

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发表于 2009-12-11 21:09 | 显示全部楼层
大眾銀行獲《整體卓越獎》
大馬財經即時新聞 2009-12-11 14:44

(吉隆坡)大眾銀行(PBBANK,1295,主板金融組)榮獲小股東監督機構(MSWG)的2009年大馬企業監管指數的《整體卓越獎》以及《2009年最佳常年股東大會召開獎》。

大眾銀行創辦人兼主席丹斯里拿督斯里鄭鴻標博士祝賀小股東監督機構推介馬來西亞企業監管指數,認為這是讓投資者判斷大馬上市公司企業監管水平的首要指數。

大馬企業監管指數是小股東監督機構的主動倡議,也是此機構與諾丁漢大學商學院於2004–2008年展開之企業監管調查的延續。

大眾銀行已經連續4年在小股東監督機構與諾丁漢大學商學院於2004–2008年展開的企業監管調查中名列榜首。

鄭鴻標表示,這項整體卓越獎也再再證明大眾銀行在發揮團隊精神的全體職員中培養成的卓越企業文化。

他說,卓越的企業監管對良好的業務表現尤為重要。因此,大眾銀行董事會、管理層以及職員們將仍然堅定不移並承諾在大眾銀行保持最高的企業監管水平,以確保投資者與所有其他權益持有人的利益均獲得妥善重視。

星洲互動‧2009.12.11
http://www.sinchew-i.com/node/130065?tid=5

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发表于 2009-12-21 16:56 | 显示全部楼层
Public Bank is Malaysia’s Most Valuable Brand           PDF           Print           E-mail

Tags: Public Bank
Written by Emily Tan, Kathleen Tan and Aznita Ahmad Pharmy   
Monday, 23 November 2009 00:00
Bookmark and Share

After two years in second place, Public Bank leads the league table as Malaysia’s most valuable brand, with a brand value of RM6.6 billion.

“We are of course very happy and proud to receive this award. Credit goes to all who work at Public Bank and the leadership of our chairman, Tan Sri Teh Hong Piow. We value the MMVB rankings as a means for Malaysian companies to benchmark themselves,” said Tan Sri Tay Ah Lek, managing director of Public Bank Group, after receiving the award at the MMVB 2009 awards night on Nov 20 in Kuala Lumpur.

Maybank, which had topped the rankings in the past two years, is now in second place, with a brand value of RM5.4 billion.

The Malaysia’s Most Valuable Brands (MMVB) 2009 valuation study by leading brand consultancy Interbrand is in its third year and was commissioned by the 4As (Association of Accredited Advertising Agents) and The Edge.

“The Edge is happy to collaborate with the 4As once again to undertake this annual study because we hope that through it, more Malaysian companies will invest in building their brands and to do so consistently. Brand-building is a business tool that, when used effectively, helps to grow the business,” said Ho Kay Tat, editor-in-chief of The Edge Communications Sdn Bhd.

CIMB was ranked No 3 with a brand value of RM5.3 billion, and Celcom with a brand value of RM4 billion climbed to No 4 from its No 6 position last year.

Parkson maintained its position at No 5 for the second year running, with a brand value of RM3.7 billion, while Resorts World Genting, with a brand value of RM3.5 billion, slipped to No 6 from its No 4 position on last year’s league table.

All the top six brands had a brand value that exceeded US$1 billion (RM3.4 billion) each.
Minister in the Prime Minister’s Department Tan Sri Nor Mohamed Yakcop, who was the guest of honour, credited strong brands with creating an identity for Malaysian products and services globally. “Malaysian brands will strengthen Malaysia’s position in the global marketplace,” said Nor Mohamed.

Overall, the value of the Top 30 brands dropped 13% from 2008 to RM54 billion while that of the Top 10 brands dropped 15% to RM40 billion.

This year’s list sees two new brands making their debut on the MMVB rankings: Alliance Bank at No 26, with a brand value of RM195 million, and Premier at No 28, with a brand value of RM111 million. Bonia — which was No 30 in the inaugural MMVB 2007 list and fell off the league table last year — has staged a comeback with a 29% increase in brand value, earning a spot at No 30 in this year’s list.

For Datuk Bridget Lai, Alliance Banking’s group CEO, the bank’s debut on the MMVB league table is a validation of the bank’s extensive rebranding efforts, which began four years ago. “The team is of course very happy, as am I — I get full marks on my score card,” she said at a media conference held at the event.

This year’s valuation saw three brands fall off the list — MAA, Proton and Ogawa, which ranked No 24, No 28 and No 29 respectively in last year’s league table.

Another highlight of the night was the launch of the inaugural Brand Building Hall of Fame by The Edge and 4As to recognise the efforts of individuals who have adopted branding as a core business strategy. AirAsia founder and group CEO Datuk Seri Tony Fernandes and Celcom CEO Datuk Seri Shazalli Ramly were the first two inductees.

Fernandes is credited with his bold vision and clever branding efforts in turning an ailing airline around by bringing low-cost flights to the masses.

“I am thrilled they have this award and to be recognised by the organisers is great. It is of course the result of a team effort...,” said Fernandes.

Celcom was not doing well when Shazalli took over as CEO in July 2005, but his savvy and aggressive branding strategy pushed Celcom to where it is today.

Shazalli was honoured to be recognised by peers who have “been through the brand journey with me”.  “I tend to get awards through economic recessions. I guess it’s a sign of brand resilience through economic ups and downs,” he said.

For more details, turn to the MMVB 2009 Special Focus distributed with this edition of The Edge.


This article appeared in Corporate page of The Edge Malaysia, Issue 782, Nov 23-29, 2009.

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发表于 2009-12-22 10:06 | 显示全部楼层
本帖最后由 ThermoFisher 于 2009-12-22 10:07 编辑

MMVB 2009: Unwavering trust from customers      

Tags: MMVB 2009 | Public Bank Bhd | reliability and sustainability | Tan Sri Tay Ah Lek

Monday, 23 November 2009 00:00  



Prudent management and solid financials make Public Bank Malaysia's Most Valuable Brand after two years as No 2

The global financial meltdown that saw brands like Lehman Brothers and Bear Sterns disappearing from the financial landscape also damaged the credibility of financial institutions in the eyes of consumers, causing financial giants Merrill Lynch, AIG, and ING to tumble off Interbrand’s Best Global Brands 2009 league table.

It is at times like this that customers value even more the consistent prudent management shown by Public Bank Bhd that helped make it No 1 in this year’s Malaysia’s Most Valuable Brands league table.

“Malaysians trust Public Bank because of its solid financial position, prudent management and superior and long track record of financial performance. Public Bank was not involved in subprime mortgage-backed securities and other toxic securities,” says Tan Sri Tay Ah Lek, managing director of Public Bank, in an email interview recently.
Tan Sri Tay Ah Lek, managing director, Public Bank Bhd.Photo by Lee Lay Kin.

Thanks to its solid management, Public Bank remained profitable when other major global financial institutions have had to be liquidated or taken over by governments, adds Tay.

In 2008, the Public Bank group turned in a net profit of RM2.58 billion, a 21.7% increase over the previous FY. The group also sustained strong loan growth of 19% and customer deposits growth of 17%.

“The group’s financial performance in 2009 remains strong despite the economic contraction in Malaysia and the region. In the first three-quarters of the year, Public Bank turned in a net profit of RM1.84 billion and a net non-performing loans (NPL) ratio of 0.82%,” says Tay. “So. despite severe economic challenges, Public Bank maintains its 43 years of unbroken profit track record since it was founded by our chairman Tan Sri Teh Hong Piow.”

Its performance has earned Public Bank a string of accolades over the years, including Best Retail Bank in Malaysia this year from Asian Banking and Finance and The Asian Banker. The latter also awarded the bank the title of Best Retail Bank in Asia-Pacific 2009, while in FinanceAsia’s Asia’s Best Managed Companies 2009 poll, Public Bank emerged as the best managed company and had the best corporate governance.

The bank, however, is not resting on its laurels. While older customers may recall its years of strong performance, Public Bank has to engage with the youth in order to form a “long-term relationship with them”, says Tay.

“As the saying goes, catch them young. Today, our youth lead a vibrant lifestyle seeking new trends, activities and ventures. So, Public Bank has launched several cards targeted at young Malaysians including the Manchester United Credit Card, PB UTAR Debit Card and PB Day2Day Card (a two-in-one card combining Visa debit card and ATM functions).”

The cards have received “overwhelming responses from the target groups”, says Tay. “We continue to receive over 800 applications per day for the PB Day2Day card.”

Overall, the bank’s percentage of active credit card holders is over 60%. “Public Bank has taken several marketing initiatives to encourage its credit card and debit card holders to increase card usage. This includes cash rebate for petrol and grocery purchases, joint marketing with malls, exclusive discounts and privileges and easy payment schemes,” says Tay.

Public Bank has also earned the trust of the community through its corporate social responsibility (CSR) programmes which are “enshrined in its corporate philosophy”, says Tay. “Even before CSR became popular, the group had already subscribed to the philosophy of conducting its business in an ethically, socially and environmentally sustainable manner,” he says.

The group’s wide-ranging CSR initiatives include nation-building, education, environmental awareness and conservation. “In nation-building, Public Bank supports home ownership and consistently exceeding the minimum commitment levels for the financing of low-cost housing required by Bank Negara Malaysia. In 2008, Public Bank committed to finance over 2,000 low-cost houses,” says Tay. Public Bank also channels low-cost funds to assist small to medium-sized enterprises and micro enterprises.

The group contributes to education by providing interest-free loans to Universiti Tunku Abdul Rahman (UTAR) and Tunku Abdul Rahman College (KTAR) students. Last year, to help the environment, the bank joined forces with the Malaysian Nature Society (MNS) to plant 20,000 trees over the next two years. As Tay says, “The tree-planting project will have a long-lasting effect on the environment.”

Public Bank’s brand values of reliability and sustainability are reflected in the care of its staff.

“Central to the sterling performance of the group’s business is its human capital,” says Tay. Despite the economic slowdown, the group increased financial resources for human capital development to RM27.4 million last year. According to Tay, Public Bank also employs a fair and transparent performance-based remuneration system and meritocracy-based career path. Last year, a total of RM119 million was paid out in performance bonuses, with top performers being paid bonuses of up to 27 months’ salary.

Understanding the problems some of its staff may face during the downturn, the bank took steps to ease their financial burden. It paid a special ex-gratia amounting to RM13.9 million last year to staff. To help lower-ranked staff, Public Bank reduced interest rates on their housing, car and motorcycle loans and extended the repayment periods. The interest rates on staff housing loans were slashed from 4% to between 0% and 2% per annum while that on staff car and motorcycle loans were reduced from 4% to between 0% and 2.5% per annum.

“The cost is over RM15 million per year, but would significantly benefit staff,” says Tay.

These initiatives are aimed at keeping the work force “confident and happy”, qualities the bank hopes staff will then communicate to customers via its Service Ambassadors programme which is aimed at improving customer service and delivering a “delightful customer experience”.

“We believe in building long-term relationships with customers by serving their unique needs and expectations and to continually delight them with superior customer service and delivery standards,” says Tay.

To date, the bank has appointed almost 500 customer service representatives who have been trained to assist customers on all banking matters. They not only provide solutions but help prompt resolutions to customer complaints. “They act as the first touch point with customers, directing customer traffic flow and ensuring customers are provided with fast and efficient service,” adds Tay.

While Public Bank’s brand recognition in Malaysia is very high, it has to aggressively promote its brand in new markets like Hong Kong and Cambodia. “In Hong Kong, the group has launched extensive branding initiatives since 2008 to create greater awareness and recognition of the Public Bank brand,” says Tay. He adds that these initiatives include extensive advertisements in print and electronic media, sponsorship of TV programmes and billboards on buses, trains, and mass rapid transit (MRT) stations.

“A key branding initiative is also expanding the branch network in Hong Kong. As of end-October this year, Public Bank branches in Hong Kong increased to 30 from 12 branches in 2006,” says Tay.

In Cambodia, besides advertising and promotional activities, the bank has exclusive rights to provide ATM services to international travellers at the Phnom Penh and Siem Reap international airports, garnering further recognition for the Public Bank brand in Cambodia. The bank network there was also expanded to 13 from just five in 2006.

Last year, the group spent a total of RM50 million on advertising and promotions locally and abroad. This year, the amount spent is RM?? million. Tay says efforts to strengthen the Public Bank Group and its strong brand will continue in both in Malaysia and overseas.

He is confident the Malaysian economy will further strengthen next year and says the group will continue to pursue its organic growth strategy to increase its core business of commercial lending and deposit-taking in Malaysia and the region, while continuing “to remain vigilant and upholding its strong corporate governance practices” in line with its prudent approach.

Tay says the Public Bank group seeks to keep its position as the most efficient, profitable and respected financial institution in Malaysia and the Asia-Pacific and in this, it will be helped by its strong brand.

“The bank’s strong brand personality and promise of excellence will help it maintain its position. Customers want to be identified with us,” he says.



This article appeared in Malaysia's Most Valuable Brands 2009, the special focus pullout of The Edge Malaysia, Issue 782, Nov 23-29, 2009.

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发表于 2009-12-22 11:08 | 显示全部楼层
Excellent corporate governance essential to good results, says Teh        




Monday, 14 December 2009 11:21  
  
KUALA LUMPUR: Excellent corporate governance is essential to good business performance as well as in ensuring that the interests of investors and all other stakeholders are well taken care of, said Tan Sri Dr Teh Hong Piow, the founder and chairman of one of Malaysia’s most renowned banking groups.

Teh and his management team should know about the correlation between good corporate governance and strong financial results given that PUBLIC BANK BHD [] has had an unbroken profit track record for over 40 years. The banking group has won numerous awards locally and overseas for its exemplary corporate governance.

“The board, management and staff of Public Bank will remain steadfast and committed in ensuring the highest level of corporate governance at Public Bank so that the interests of investors and all other stakeholders are well taken care of,” he said in a statement last Friday.

He said this after the banking group on Thursday yet again grabbed the top awards for excellence in corporate governance.

Teh lauded the Minority Shareholder Watchdog Group (MSWG) for launching the Malaysian Corporate Governance (MCG) Index, a premier index for investors to gauge corporate governance levels of public-listed companies in Malaysia.
Teh

The MCG Index is an extension of MSWG’s corporate governance survey collaboration with Nottingham University Business School (NUBS) in 2004 – 2008.

Teh expressed pride that Public Bank had won the Overall Excellence Award and the Best AGM Conducted in 2009 Award under the MCG Index 2009, especially as Public Bank had been ranked No 1 for four consecutive years in the MSWG–NUBS corporate governance surveys conducted in 2004–2008.

He said the Overall Excellence Award was a testimony to Public Bank’s strong corporate culture inculcated in the staff with everyone delivering as a team. Apart from Public Bank, BURSA MALAYSIA BHD [] was jointly awarded the Overall Excellence Award. Bursa also won the Best Governance and Transparency Index Award.


This article appeared in The Edge Financial Daily, December 14, 2009.

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发表于 2009-12-22 13:00 | 显示全部楼层

转载

本帖最后由 蚂蚁小弟 于 2009-12-22 13:15 编辑

http://malaysiafinance.blogspot. ... z-news-in-2010.html
My Prediction For The #1 Biz News In 2010 - CIMB Merges With Public Bank
from Malaysia-Finance Blogspot by Salvatore_Dali


OK, remember you heard it first here, here during the last few days of 2009. So when it pans out, remember me ok ... We still have ten banks in Malaysia, and that is still way too many banks, we should really just have 5, probably we will end up with 7. The markets are buzzed with Hong Leong Bank thinking of snatching EON Bank and/or Affin Bank. Well, the latter two should not be around by end of 2010, and that's pretty much a given. So called anchor banks that have no capacity or resources to be competitive in an open environment will have to sell.

(click on image to enlarge for viewing)

My best prediction and also the biggest shebang for 2010 is that CIMB Bank will merge with Public Bank. If you read the roadmaps closely and do the usual deduction analysis, its very likely going to happen. It makes sense on so many levels. Maybe Goldman Sachs should hire me to close this deal with these two banks (send me an email: malaysiafinance@gmail.com).




A couple of months ago, there were rumours that the two Chinese banks, namely Public Bank and Hong Leong Bank, were going to merge. It is unlikely to pan out as Public Bank is "too important" an asset, coupled with a possibility that there could be regulatory or political resistance, and that there appears to be a more viable case to go with CIMB. I see the main hurdle to a Public Bank-Hong Leong Bank merger being that Bank Negara would never want the biggest bank (by virtue of the merger) to be controlled by ONE individual. Apparently Hong Leong Bank has also been not so willing to go higher on the pricing front. The replication of businesses are too great as well.

Why CIMB & Public?

1) Fit - It fits into each other's strengths. One is in investment banking and has very decent regional exposure while Public is very commanding in consumer banking. Very good loan-deposit fit.

2) Flagship Entity & Size - The two merged would actually see CIMB-Public becoming possibly the biggest banking group in Southeast Asia, possibly nudging aside DBS Banking Group as well. The importance of size cannot be discounted. The forward thinking Nazir with Khazanah and EPF backing it all the way should see this as a necessary strategic consolidation. Get our best two banks to go and conquer the region. When you have a brood of kids and you are not very rich, pick the smartest kid or the one you like best and that one gets to go to college - CIMB Bank should be the "flagship entity" to plant the country's flag in the region.

3) Teh's Stake - Teh of Public Bank has no seeming successor from his family to take over the shares. When he is no longer around, the controlling stake may be viewed as a negative rather than as a positive. If no family member is keen to follow up, its better to NOT just be a strategic silent shareholder - eventually they may be "guided" to dispose the shares one way or another - why not lay down the strategic future of Public Bank in "safer hands". Its a sure way of protecting and maintaining Teh's legacy in the banking industry.

4) Asset Management - One of the main jewels of Public Bank is Public Mutual, something CIMB has been trying very hard to build/buy with minimal success. Imagine transplanting the Public Mutual exemplary record across the region. This can be turned into a massive fee generating machinery via its regional branches.

5) Public Bank's Capital Constraints - This is something which is not discussed often enough by Public Bank's shareholders. In recent years, tons of money has been paid out in dividends, but of late that has be constrained as PB needs to bolster up its capital adequacy ratio despite being a highly profitable entity. I doubt very much that Teh wants to do a rights issue. Public Bank's Tier 1 capital is at a precarious 8.6% and it needs to meet global standards soon. The Basel Committee is expected to announce several measures to strengthen banking regulations by end 2009. These include (a) raising the quality, consistency and transparency of Tier 1 capital base (with the predominant form to be common shares and retained earnings), (b) introducing a leverage ratio as a supplementary measure to the Basel II framework and (c) implementing a framework for countercyclical capital buffers above the minimum requirement, including constraints on capital distributions. If adopted by Bank Negara, and I don't se

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发表于 2009-12-22 16:43 | 显示全部楼层
405# 蚂蚁小弟

鄭丁賢‧津巴布韋化

2009-12-03 21:37
外交部的數字不會騙人,國人大量移居,隱然已出現移民潮。

怪不得!全球航空公司都在虧本賠錢,而馬航和亞航卻一枝獨秀,盈利驚人;想來,除了旅遊公幹的乘客之外,乘坐移民機的,也是主要客戶。

依照這種趨勢,大馬可以不必擔心人口負擔過重,我們可以把人口問題,轉嫁給其它國家,讓它們承擔後果,誰叫它們說要吸引人才。

10年後,我們不會再有增建華小問題。小朋友跟著爸爸媽媽走了,華小董事部和校長老師到處搶學生,挨家沿戶乞求各族家長送讀。願意報讀者,書本、校服、校車全部免費,並送最新智慧手機一部;如果簽約讀滿6年,另送18歲之後的移民機票。

馬華公會也不會再有黨爭。馬華黨員遍佈全球,可以開設悉尼分會、東莞分會、雅加達分會、溫哥華分會……;香港有港島、九龍和新界分會,新加坡則從兀蘭到聖淘沙,廣設30分會,有望取代現在執政的人民行動黨,成為該國最大黨。

人走了,房子就多了。於是,吉隆坡黃金地段的高級公寓,價格將從每方尺1000令吉,下滑至500令吉;八打靈再也的雙層排屋,從每棟50萬令吉,跌至25萬令吉;到時,能夠撿現成的便宜,要多大的屋子都有。

還有,車子少了,空氣清新了,污染改善了;不會再有廟宇教堂問題,也不用爭種族問題(華人改為KKK――Khoo Kay Kim一族)。

馬來西亞,成為最適合人類居住的國家。

當然,我們也可以從更正常的角度預測未來。

人走了,資金流出去了,工廠遷出去了,商店關門了,超級市場人潮沒了,金馬崙高原不種菜了,巴也明光不養豬了……。

這讓我想到非洲的津巴布韋。30年前,它的名字還是羅德西亞,一個由白人精英領導的非洲黑人國家。

後來,黑人領袖穆加比推翻白人政權,從此黑人當家做主。

這個發展符合民主規律,絕對是政治正確。一個黑人佔人口多數的國家,不可能交由白人主導。

問題出在穆加比上台之後,推行民粹主義,排斥少數白人居民,通過各種手段,巧取豪奪社會資源,把白人徹底邊緣化。

白人失去了礦場和農莊,沒有了商店和土地,只好大量移民,離開津巴布韋。

結果,津巴布韋的經濟崩潰,通貨膨脹230,000,000%,失業率80%,民不聊生;政治動蕩,黑人政客當權,極度腐敗;公共衛生解體,人民平均壽命是37歲,成年人之中,有40%患上愛滋病。

分配驅逐了競爭,扶助取代了績效,優惠淘汰了公平。

民粹和種族政治的結果,就是走上津巴布韋的後路。

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发表于 2009-12-25 01:34 | 显示全部楼层
財報採FRS139
明年銀行或驚乍喜


如果你是銀行概念股的投資者,明年須多加留意相關公司的財務報表;採用FRS139的財報,隨時可在毫無預警下給市場捎來驚喜,或者是驚嚇!

在國家銀行的監督和督促之下,銀行領域已完成90%的FRS139轉換準備工作;市場較為擔心是對艾芬(AFFIN,5185,主要板金融)旗下艾芬銀行(Affin Bank)造成的財務衝擊。

大馬會計準則局(MASB)前執行董事兼德勤(Deloitte)執行董事諾丁說,銀行領域在相關機構和監管單位帶領下,已做好符合FRS139準則的90%準備工作。

“國行在推行FRS139方面扮演高效率的驅動角色,確保所有銀行集團皆準備就緒。”

他在“2009年全國會計大會”上指出,銀行會是遭受FRS139衝擊最大的領域之一,需要投資龐大資金大規模提升和更換系統與流程。

“銀行集團的資產負債表幾乎全是金融工具,涉及廣泛的合理價值認定,非常考驗會計專才的專業判斷。”

艾芬風險最高

分析員說,未履約貸款率(NPL)偏高、貸款虧損撥備偏低的銀行,將受到FRS139轉換的最大影響。

他指出,FRS139下,銀行須定期檢視貸款賬戶,若貸款者的財務狀況惡化,銀行需要在貸款未陷入呆賬前,給予減值虧損(Impairment Losse)。

“這將對未履約貸款率偏高,貸款虧損撥備較低的銀行,造成很大衝擊。”

根據興業證券研究分析報告,2010年未履約貸款率最高的本地銀行將是艾芬,高達5.3%,貸款損失撥備僅76.4%,同業內最低。

如此看來,艾芬是當中風險最高的銀行,明年導入FRS139的財務報表,或給予市場“驚喜”。

反觀,大眾銀行(PBBANK,1295,主要板金融)的受影響程度甚微,未履約貸率低至1.5%,貸款損失撥備高達129%。

分析界已把FRS139轉換,連同貸款成長放緩、資產素質下降、營運環境艱難等,納入成為銀行領域明年將面對的風險。

http://www.chinapress.com.my/content_new.asp?dt=2009-12-25&sec=business&art=1225bsa009a10.txt

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发表于 2009-12-28 11:52 | 显示全部楼层
Banker: 1H10 GDP growth to exceed 7%        

Tags: (BNM) | 1H10 | domestic banking sector | domestic economic activity | GDP | Leading Economic Index | manufacturing sector | Private consumption | Public Bank Bhd | public sector spending | Tan Sri Teh Hong Piow

Monday, 28 December 2009 11:05  
  
KUALA LUMPUR: The country’s gross domestic product (GDP) is expected to grow beyond 7% in the first half of 2010 (1H10), underpinned by the strengthening of domestic economic activity, says a top banker.

Public Bank Bhd founder and chairman Tan Sri Teh Hong Piow said the banking group had noticed a continuous improvement in capacity utilisation and hiring of workers in the manufacturing sector and greater stability in external demand.

“The pace of economic recovery is expected to gather momentum in 2010, on the back of stronger private consumption and public sector spending.

“In the first half of 2010, we expect a robust annual GDP growth of more than 7%,” he told The Edge Financial Daily via email recently.

Teh said based on improved industrial and export activities, as well as restocking, economic activity would continue to strengthen in the fourth quarter this year.

Growth from the second quarter to the third quarter of 2009 rebounded by 5.7% after a 4.8% growth from the first quarter to the second quarter, he noted.

“The recovery is broad-based with healthy growth in the services and construction sectors. In addition to the strong growth in public spending, we have seen a steady recovery in private consumption, an important component in the growth process,” he said.

Teh added that a continuous improvement was seen in capacity utilisation and hiring of workers in the manufacturing sector and greater stability in external demand.

“With steady access to financing by households and businesses, domestic economic activity will continue to strengthen in 2010,” he said, adding that the indication from the official Leading Economic Index for Malaysia is pointing to a sustainable recovery next year.

Teh also expected credit flows to the real economy to remain healthy as shown by healthy loan growth in the banking system.

“The strengthened banking sector is largely due to the culmination of successful efforts by Bank Negara Malaysia (BNM) to consolidate the domestic banking sector, build its capacity and capability to compete and enhance corporate governance and risk management standards and practices.

“In addition, Malaysia’s financial institutions have negligible exposure to both subprime-related securities and to the affected financial institutions of other countries,” he said.

Further, Teh said BNM would continue to ensure continued access to financing by both households and businesses in order to support domestic consumer spending and private investment.

The banker said government policies also played an important role to further strengthen the country’s economy. As such, the government is expected to unveil a new economic model to achieve a high-income status in early 2010, Teh said.

“The liberalisation of the financial sector, particularly the issuance of new commercial banking and takaful licences, will strengthen Malaysia’s economic inter-linkages with other economies and the role of the financial sector as a key economic enabler of economic growth,” he said.

He added that the deregulation of the foreign investment guidelines were expected to attract foreign and domestic investments, while at the same time, the government in the 2010 Budget had signalled that it needed to be prudent after a high public sector deficit in 2009.

http://www.theedgemalaysia.com/component/content/article/156357.html

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发表于 2009-12-29 23:28 | 显示全部楼层
郑鸿标:经济活动走强支撑 大马明年上半年GDP料增7%
2009/12/29 11:01:32 AM
●南洋商报

(吉隆坡28日讯)大众银行(Pbbank,1295,主板金融股)创办人兼主席丹斯里拿督斯里郑鸿标博士预计,由不断加强的本地经济活动支持,马来西亚在2010首半年的国内生产总值料增长7%。

郑鸿标披露,国内的制造领域产能及人手增加都有所改善,而且外围的需求更稳定了。

根据财经日报《The Edge》的报道,郑鸿标指出:“由于私人消费及公共领域开销更强烈的支持,2010年经济复苏将获得更大的动力。”

“2010年的首半年内,我们预计国内生产总值超越7%的增长率。”

同时,郑鸿标相信,随着工业及出口领域表现更好,加上重新进货,经济活动将在今年第四季内持续走强。2009年第三季内,国内生产总值从第二季恢复了5.7%,较第二季从第一季所复苏的4.8%高。

此外,他说,“服务领域及建筑领域健全增长支持着经济复苏。加上公共领域开销稳健增加,我们已经看到私人消费正稳健复苏。”

另一方面,他指出,由于家庭及商业贷款持续,本地经济将在2010年内继续走强。同时,国内各个主要经济指标都显示明年的复苏将持续。

银行贷款增长率健康

郑鸿标也预计,流入实际经济体的信贷流量将保持在健康水平,因为银行体系的贷款增长率非常健康。

他说,国行成功整合本地银行领域,提升了竞争力、企业监管及风险管理等水平,此外,本地银行并没有涉及太多的次贷相关债券,也没有大幅接触受到亏损的金融机构。

此外,郑鸿标也预测,政府在2010年初公布的新经济模式,可以带领我国迈向高收入经济。

http://www.nanyang.com.my/NewsCenter/articleDetail.asp?type=N&ID=112968&SID=7&CID=12

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发表于 2009-12-31 23:53 | 显示全部楼层
貸款成長雖放緩 銀行領域仍受看好

(吉隆坡31日訊)儘管銀行11月份的貸款成長按月從7.5%,放緩至7%;不過,分析員認為,這符合預期,同時看好銀行領域,因為銀行系統的資本值仍處於健康水平。

僑豐投資銀行分析員表示,銀行業的所有領先指標皆預示2010年的貸款成長將復甦,包括銀行申請、貸款批准及貸款發放。

整體貸款成長主要是相對穩定的家庭貸款所扶持。11月份的家庭貸款擴大9.6%,略低於10月的9.7%。

分析員解釋說,家庭貸款成長取得穩定表現,主要是住宅產業購買及個人貸款皆看漲,兩者按年分別走高9.2%及19.9%。另外,汽車貸款及信用卡分別上升4.4%及5.8%。

無論如何,考慮到年初的貸款批准及申請大幅下滑,貸款成長放緩是意料中事。

11月銀行系統總存款漲10.6%

分析員透露,貸款申請繼續取得動力,11月的申請按年上揚36.8%,10月是39.1%。貸款申請持續成長與復甦,歸功於商業貸款從10月的18.8%漲幅,走高至11月的33.5%。11月的中小型企業貸款申請站穩在50.4%。

「11月的貸款批准按月從26.3%,增至37.8%,主要是該月的商業貸款規模從10月的12%,擴大至45.3%。這意味著持續性的經濟復甦及銀行的風險承擔能力改善,足以支撐企業貸款成長的整體水平。」

另一方面,11月的銀行系統總存款按年上升10.6%。商業存款走高的部份原因是明訊(MAXIS,6012,主板貿服股)所帶來的收益。

分析員稱,資產素質沒有惡化的訊號。淨呆帳(NPL)從10月的2.1%,改善至1.9%,說明資產素質仍然穩健。

整體而言,分析員認為,銀行系統的資本值仍處於健康水平,風險加權資本及核心資本比例站穩在14.6%。

他看好聯昌國際(CIMB,1023,主板金融股)、大眾銀行(PBBANK,1295,主板金融股)及豐隆銀行(HLBANK,5819,主板金融股);受推薦的中資本銀行股則是大馬證券銀行(AMMB,1015,主板金融股)及國貿資本(EONCAP,5266,主板金融股)。

http://www2.orientaldaily.com.my/read/LBZ/2Jl101ZF10Cm0K3703eO11qc02VW1pj6

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发表于 2010-1-3 23:25 | 显示全部楼层
投資者重投懷抱
馬股料開高迎新年


(吉隆坡3日訊)新年新氣象,隨著投資者結束假期、重投馬股懷抱,並在新一年趁低吸納金融類股,分析員看好,馬股本週將以牛市開跑。

達證券分析員指出,整體投資氛圍將有所改善,加上投資者重新檢視投資組合,並進行調整和增加,預計充沛資金將重新注入市場,而銀行類股將成為主要投資目標。

該行認為,銀行股當中尤以聯昌集團(CIMB,1023,主要板金融)與大眾銀行(PBBANK,1295,主要板金融)最誘人,這兩家公司在過去一年來表現不俗,預計將成為大熱門。

MIDF證券研究指出,馬股市去年表現符合預期,並樂觀看待今年表現,認為今年富馬隆綜指成份股的盈利成長將更勝去年。

亮麗封關

該行將今年的預期盈利成長率,從17.2%上修至17.6%。

該行認為,媒體、建築、石油與天然氣,以及銀行產業類股將成為投資焦點。

技術分析師指出,富馬隆綜指本週有望達到1288.42點水平,如果市場交投持續增加,甚至可能在農曆新年前攀抵1300至1305點水平,另一個高點則落在1332點。

根據技術分析,富馬隆綜指初步支撐點將落在1255點水平,接下來為1248點。

回顧2009年最后一週,富馬隆綜指除了上週三因受區域股市影響走低之外,其他三個交易日均上升。

統計最后四個交易日表現,富馬隆綜指以走高姿態封關,上週總計上揚12.25點,週四則揚升1.66點,以1272.78點封關。

http://www.chinapress.com.my/content.asp?sec=business

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发表于 2010-1-4 21:22 | 显示全部楼层
本帖最后由 ThermoFisher 于 2010-1-4 22:25 编辑

大眾銀行發5000萬票據
大馬財經即時新聞 2010-01-01 11:53

(吉隆坡)大眾銀行(PBBANK,1295,主板金融組)發售第4批總值5000萬令吉次級中期票據,屆滿期為2019年12月31日。

這批次級票據期限長達10年,首次選擇性贖回日期是2014年12月31日。從2009年12月31日至2014年12月30日年利率為4.6%,從2014年12月31日至2019年12月31日年利率為5.6%。

這批證券將當作大眾銀行第二級資本,發售收益將充作營運資本或一般銀行及其他企業開銷。

星洲互動‧2010.01.01
http://www.sinchew-i.com/node/132961?tid=5

General Announcement
Reference No PB--091231-603D5  

Company Name : PUBLIC BANK BERHAD   
Stock Name  : PBBANK   
Date Announced : 31/12/2009   

Type : Announcement
Subject : Public Bank Berhad (“PBB”)
Issuance of RM50.0 Million Nominal Value of Subordinated Notes (“Subordinated Notes”) under a Subordinated Medium Term Note Programme of up to RM5.0 Billion Nominal Value of Subordinated Notes (“Subordinated MTN Programme”)

Contents : PBB is pleased to announce that it had on 31 December 2009 issued the fourth tranche of Subordinated Notes amounting to RM50.0 million due on 31 December 2019 and callable with step-up on 31 December 2014 under the Subordinated MTN Programme.

The interest payable on each Subordinated Note issued under the fourth tranche is at the rate of 4.60% per annum from (and including) 31 December 2009 up to (but excluding) 31 December 2014. Thereafter, the interest on each Subordinated Note is at the rate of 5.60% per annum from (and including) 31 December 2014 up to (but excluding) the date of early redemption in full of such Subordinated Note or the maturity date (whichever is earlier). The Subordinated Notes were issued at par.

The Subordinated Notes are eligible for inclusion as Tier 2 capital of PBB under Bank Negara Malaysia (“BNM”)’s capital adequacy regulations. The issuance of the fourth tranche of Subordinated Notes under the Subordinated MTN Programme is to further strengthen the capital adequacy ratios of PBB and will qualify as Tier 2 capital of PBB, subject to the limits prescribed under the Risk-Weighted Capital Adequacy Framework (General Requirements and Capital Components) issued by BNM on 20 September 2007.

The proceeds raised from the issuance of the fourth tranche of Subordinated Notes under the Subordinated MTN Programme shall be used to finance the working capital, general banking and other corporate purposes of PBB.

The issuance of the fourth tranche of Subordinated Notes under the Subordinated MTN Programme will not have any effect on the issued and paid-up share capital of PBB and the shareholdings of substantial shareholders of PBB. The issuance is not expected to have any material effect on the earnings of PBB and PBB Group, the consolidated net assets of the PBB Group and the dividend rate of PBB.

This announcement is dated 31 December 2009.

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发表于 2010-1-5 23:46 | 显示全部楼层
全球採更嚴格資本要求 大馬銀行資金充裕

(吉隆坡5日訊)隨著國際結算銀行的巴塞爾銀行監管委員會建議強化全球銀行領域的資本及流動性方面的條例,以便改善銀行領域的韌力,這預料將繼續提升全球銀行領域,包括大馬銀行業的資本要求。

儘管如此,以目前的要求而言,大馬的銀行業者均擁有足夠的資本。因此,儘管核心第一級資本的要求可能變得更嚴格,惟大馬證券研究分析員相信,國內銀行並不迫切需要增加股票資本。

隨著公佈諮詢文件後,國際結算銀行將其立場放軟,諮詢期限將截至今年上半年杪,並預料在今年杪推出全套指南,而全面執行則落在2012年杪。

分析員透露,儘管各國銀行看似擁有足夠資本,惟全球銀行領域料在長期內採取更高、更嚴格的資本要求。

在大馬,第一級資本的最低要求是風險加權資產的4%,總資本與有風險資產比率則是風險加權資產的8%。國內銀行皆超過最低要求,即第一級資本介於8.6%至14.9%,總資本與有風險資產比率則介於12.7%至15.4%。

大眾馬銀行資本少於8%

假設核心第一級資本(排除混合資本)的最低調整比率為8%,那國內大部分銀行皆擁有足夠資本,除了馬銀行(MAYBANK,1155,主板金融股)及大眾銀行(PBBANK,1295,主板金融股)。

分析員估計,馬銀行的調整後核心第一級資本為7.8%。截至去年9月杪,該銀行的第一級資本為10.4%。至於大眾銀行,調整後核心第一級資本僅為6.3%。截至去年9月杪,該銀行的第一級資本為8.6%。

另一方面,去年11月份銀行領域貸款按年成長7%,成長速度放緩,這是基於大型企業還款;家庭貸款仍是借貸成長的關鍵推動力。拉昔胡申研究分析員表示,儘管借貸申請稍微下滑,惟領先借貸指標仍強勁,資產素質也大幅改善。

分析員持續相信,銀行領域將領導市場走至更高的水平,這將受取得動力的盈利成長(來自淨利息收入及非利息收入的提升及更低的借貸虧損撥備)所支撐。

http://www2.orientaldaily.com.my/read/LBZ/2sas03A711iw0yTN0np81hm30VBV6lYz

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发表于 2010-1-7 00:05 | 显示全部楼层
大众银行网站露端倪 王玉诚“消失”总营运长阵容
2010/01/06 5:45:37 PM
●南洋商报

(吉隆坡6日讯)根据大众银行(PbBank,1295,主板金融股)的网站显示,该银行集团的总营运长阵容,已换成2人小组,传言已经辞职的王玉诚,已从原本的3人小组中“消失”。

大众银行的总营运长原本是3人小组阵容,分别是拿督郑国谦、梁觉谊及王玉诚,三人的岗位不同,掌管不同的业务。

在原本的3小组阵营中,郑国谦主要负责海外和零售贷款业务;梁觉谊负责银行日常运作、资讯科技、产业、金融等;王玉诚则负责财务、非利息收入、信用卡和服务等。

传呈辞纯属个人意愿

《南洋商报》接获的消息指出,王玉诚的呈辞纯属个人的意愿,与其服务的银行集团无关。

王玉诚是于1993年加入大众银行,并出金融部经理,之后于1997年提升为高级经理,并于1998年转至财务部。

接著于2000年,他升任为风险管理部董事,及在2002年及2006年分别出任总经理及高级经理。

于2008年,他被擢升为大众银行总营运长,掌管银行的财务、非利息收入及信用卡营运及服务部门。

根据大众银行的网站资料显示,郑国谦是于1975年加入 大众银行这个大家庭。他在总行内所有的银行分行及银行组业务中具有丰富经验。他是于2001年受委为高级总经理,并于2006年升任为总营运长。主要掌管银行的海外营运及零售借贷业务。

而梁觉谊是会计专业出身,在1988年加入大众银行之前在会计和审计领域工作长达8年,在加入大众银行后,先出任金融部门经理,并于1990年升迁香港大众金融。于1994年他被调回总行,并于2001年升为高级经理。

梁觉谊是在2008年升为大众银行总营运长。

http://www.nanyang.com.my/NewsCenter/articleDetail.asp?type=N&ID=115070&SID=7&CID=12

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发表于 2010-1-14 15:22 | 显示全部楼层
國行26日開會
料不上調利率


報導:何燕羚

(吉隆坡13日訊)分析界預計,國家銀行不會在今年首個貨幣政策會議(MPC)上調隔夜官方利率(OPR),升息潮的重頭戲要待至下半年或年底才上演。

國行今年將召開6次貨幣政策會議,首個會議將落在1月26日。

大馬研究發佈分析報告說,多個經濟指標都指向未來經濟發展強穩,例如第三季經濟萎縮幅度收窄至1.2%,相較第二季和首季的負3.9%及6.2%,明顯改善。

同時,貸款申請和批准數量強勁成長,11月份錄得36.8%及37.6%的按年增長率,加上大馬經濟研究院(MIER)發佈的經商條件指數逐漸向上,及消費信心指數穩定在100點以上。

大馬研究分析員說,市場充斥眾多利好,是時候檢討利率架構。

“預計國行將上調利率50個基點,但這(升息)只會發生在下半年。”

自08年下半年全球爆發金融危機后,國行前后合計降息150個基點,隔夜官方利率減至2%的低點,使3個月的同業拆息利率(KLIBOR)寫下20年新低,達2.20%。

分析員指出,礙于之前的減息幅度達150個基點,升幅很可能會超過所預測的50個基點。

渣打銀行(Standard Chartered Bank)日前亦指出,我國料將維持現有利率水平,一直到年底才稍微上調25個基點。

大馬現況仍有能力維持低利率到年底,若經濟復甦比預期來得早及好,就有可能提早起息。

大多分析師皆預測國行下半年才出手,若屬實,國行或在7月8日、9月2日及11月12日、下半年的3次會議上有所動作。

安聯聯昌大眾豐隆
升息潮最大受益者


分析員說,若隔夜官方利率調高50個基點,將帶動核心領域淨盈利(core sector net earning)增長27.9%,明年料揚升11.4%。

大馬研究預測,去年核心領域淨盈利料成長4.6%;08年負4.3%,07年大漲35.6%。

分析報告指出,根據分析結果,安聯金融集團(AFG,2488,主板金融)、聯昌集團(CIMB,1023,主要板金融)、大眾銀行(PBBANK,1295,主要板金融)及豐隆銀行(HLBANK,5819,主要板金融),將是升息潮下最大受益者。

大馬研究基于利率看高將推高淨利息收入、新房貸利率架構開跑及資金市場續成長激勵業者的非利息收入,因而維持銀行領域的“增持”(Overweight)投資評級;推薦聯昌集團、豐隆銀行及興業資本(RHBCAP,1066,主要板金融)。

http://www.chinapress.com.my/content_new.asp?dt=2010-01-14&sec=business&art=0114bsa009a09.txt

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发表于 2010-1-14 15:40 | 显示全部楼层
大众3天5诈弹 民斥无聊 二零一零年一月十四日 凌晨十二时二十三分

(北海13日讯)3天接获5通虚报炸弹电话,北海大众银行面临损失,警方也为之头疼!

自前天开始,位于北海闹市拉惹乌达路的大众银行已不断接获虚报炸弹的恐吓电话,虚报者于今早9时10分再次拨电予大众银行,以马来文向接电话的女职员声称银行内有炸弹,并表示炸弹将引爆。

职员及顾客当下即刻疏散,银行作业再次陷入瘫痪,不愿透露姓名的该银行分行经理对接二连三的“诈”弹事件头痛不已,并表示虚报者的无聊行为已导致该银行损失不菲。

相较前几次,警方今日的阵容也略显薄弱,同时不见拆弹车及警区正副主任的到来,唯一增加的,就是众人对虚报者无聊行为的谴责及抱怨。

据银行职员透露,虽然虚报者每次皆讲马来文,但从口音来看,虚报者是华人的成份居多。

甫作业又接电话 虚报者疑在附近

职员重新进入银行作业不到五分钟,虚报炸弹电话又再响起,让人怀疑虚报者就在附近监视着众人的一举一动!

11时20分,在经过两个小时的侦查并确定没有炸弹后,警方允许职员们入内作业,但约三分钟后,银行内的电话再次响起,并警告说炸弹将在五分钟内爆炸。

再次,职员们集体撤离银行以让警方进行调查工作,这事件也印证了虚报者就在附近监视着银行情况的说法。

另外,槟州行政议员彭文宝认为虚报者也有可能已在银行附近安装摄像镜头来进行监视,他也呼吁民众们勿听信谣言,并相信警方有足够人手解决该问题。

对恶作剧习惯 银行职员淡定处理

相较前两天接获虚报炸弹电话时的惊慌失措,银行职员们今天显得更淡定了,仿佛已习惯虚报者的无聊伎俩!

昨日接获虚报炸弹恐吓电话的怀孕女职员在事发时因害怕而泣不成声,数名女职员当时也被吓哭及手脚颤抖,但今日所见,职员们虽然接获两次恐吓电话,但都保持镇定并且在知会警方后有秩序地撤离银行。

该银行共有60名职员,无法进入银行内作业的职员们只能在银行周围一带如油站及巴士站等候警方的下一步指示,同时互相安慰及闲聊打发时间。至于昨日接获恐吓电话的怀孕女职员今日则没有上班,而得以避过另一次虚报事件。

前2虚报案 未捉到滋事者

(槟岛西南区13日讯)昨日(周二)傍晚在西南区两宗虚报炸弹案,警方未追踪到滋事者。

槟岛西南区警区副主任黎华兴副警监接受电访时说,当天份别拨电马来亚银行指有炸弹的滋事者一名相信是巫裔,另一名则是印尼籍。

他说,据两间银行职员对警方说,两名滋事者都是口操马来语指银行有炸弹,语毕即关上电话,而其中一人口操较印尼式的马来语。

他相信,这两名滋事者是通过公共电话拨电到该两间银行,因此,警方难以追踪。

无论如何,黎华兴表示,西南区警方将全力配合槟州警方团队,加强地方性防范罪案措施,尤其是增派警员到各地区巡逻,包括商业区及银行。

政府失4万外劳踪迹

另一方面,拿督威拉阿育耶谷透露,约有4万名的外劳到大马后不知所踪,政府也无法与他们取得联系。

他说,警方担心一些雇主为了省下更新外劳准证的费用而将外劳窝藏在家中,这是非法的行为。此外,也有不少外劳到我国后经常涉及刑事罪案,让警方人员防不胜防。

他披露,警方发现有不少的外国女郎以旅游签证入境槟城后,在非法集团的安排下,进行不道德的活动。

他指出,在新的一年,很多夜店的准证都已经逾期,希望槟岛市政局应展开突击行动,与警方联手打击罪案的发生,因为夜店就是犯罪集团最好的交易场地,特别是毒品、卖淫等。


标叔不懂踩到谁的尾巴???

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发表于 2010-1-14 23:16 | 显示全部楼层
General Announcement
Reference No PB--100114-008FA  

Company Name : PUBLIC BANK BERHAD   
Stock Name  : PBBANK   
Date Announced : 14/01/2010   

Type : Announcement
Subject : Quarterly Announcement on Percentage of Public Bank ("PBB") Shares of RM1.00 Each Held by Foreigners as at 31 December 2009

Contents : We would announce for public information that as at 31 December 2009, 26.49% of the issued shares of PBB were held by foreigners. The percentage is computed based on the total number of PBB shares in issue and after excluding PBB shares bought-back by PBB and retained as treasury shares as at 31 December 2009.

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发表于 2010-1-18 22:25 | 显示全部楼层
大眾銀行料賺逾24億
大馬財經 即時新聞  2010-01-18 22:16

(吉隆坡)大眾銀行(PBBANK,1295,主板金融組)2009財政年淨利料比預估中的24億令吉高出2至3%,黃氏唯高達研究預計,這間銀行每股終期股息將達46仙,相等於4%週息率,且有望額外派發庫存股。

黃氏唯高達預計其2009至2011財政年將分別寫下24億1100萬、27億4100萬及30億9000萬令吉;每股淨股息則為57.5、65.3及73.7仙。

大眾銀行仍未派發高達8000萬的庫存股,因此黃氏唯高達不排除除了終期股息,還會派發庫存股。若以44送1方式派發,將相等於每股26仙,此舉將協助這間銀行保存資本。

“相信全年淨週息率達5%,成為金融界之冠。”

在市場預期全年淨利交出佳績利好帶動下,該股全日一度走高22仙至11令吉86仙,閉市報11令吉84仙,起20仙。

星洲互動‧2010.01.18

http://www.sinchew-i.com/node/135808?tid=5

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发表于 2010-1-18 23:48 | 显示全部楼层
大眾銀行全年盈利或超預期

(吉隆坡18日訊)大眾銀行(PBBank,1295,主板金融股)預料將在本週公佈其2009財政年全年業績,市場相信,該公司的盈利表現將超越預期。

由於大眾銀行在行業內的地位,在經濟復甦的局勢中,該銀行相信也是受惠最大業者之一,黃氏星展投行指出,大眾銀行2009財政年的盈利預料將比該投資銀行的預測高出2-3%,至24億令吉。這主要是反映出經濟復甦對該銀行帶來的利好效應。

分析員認為,大眾銀行將能夠達到其貸款成長目標。至09財政年第3季,該銀行已經取得11%的貸款成長,而黃氏發展投行對大眾銀行全年貸款成長預測是14%。該銀行的淨利息賺幅料不會有太大的改變,而非利收入則相信將取得強勁的成長,至於資產素質則料保持平穩。

分析員也預期,大眾銀行會在這一季宣佈分發每股46仙的終期股息,這相等於4.0%的毛週息率。而全年的淨週息率相信將達到5%,是行業內對高的一個。

目前大眾銀行尚有8000萬股庫存股,分析員指出,假設大眾銀行將這些庫存股當作股息派發給股東,每持有44股的股東將可以獲得分配1股的股票,或相等於26仙的股息。分析員指出,以庫存股代替現金髮股息將可以幫助大眾銀行保存資本。

分析員給予大眾銀行「買進」評級,目標價12.20令吉。該股今日漲20仙至11.84令吉。

http://www2.orientaldaily.com.my/read/LBZ/2n950Do11lbi0Sqo07fB17601OX69xZX

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