【MBSB 1171 交流专区】马建屋

icy97

Type	Announcement
Subject	OTHERS
Description	Quarterly Financial Report pursuant to Paragraph 9.22 of the Main Market Listing Requirements of Bursa Malaysia Securities Berhad.
We wish to inform that Malaysia Building Society Berhad ("MBSB") has scheduled to release its' financial results for the third quarter ended 30 September 2014 on Monday, 3 November 2014 in accordance with Paragraph 9.22 of the Main Market Listing Requirements of Bursa Malaysia Securities Berhad. This announcement is dated 20 October 2014.

liang_2002

公積金被否決投票權，MBSB拜四早上被抛售。。。。

擔心。。。

Type	Announcement
Subject	OTHERS
Description	PROPOSED MERGER OF THE BUSINESSES AND UNDERTAKINGS OF MALAYSIA BUILDING SOCIETY BERHAD (“MBSB”), CIMB GROUP HOLDINGS BERHAD (“CIMB GROUP”) AND RHB CAPITAL BERHAD (“RHB CAPITAL”) AND THE CREATION OF AN ENLARGED ISLAMIC BANKING FRANCHISE (“PROPOSED MERGER”)
We refer to the previous announcements dated 10 July 2014 and 9 October 2014 (“Announcements”). Unless otherwise stated, the definitions used here shall have the same meanings as set out in the Announcements. On behalf of MBSB, AmInvestment Bank Berhad wishes to announce that pursuant to the application submitted by MBSB for the waiver under Paragraph 10.08(7)(a) of the Main Market Listing Requirements of Bursa Securities (“Listing Requirements”) in respect of requiring EPF (a major shareholder MBSB) to abstain from voting at the shareholders’ meetings of MBSB for the Proposed Merger (“Proposed Waiver”), Bursa Securities had today rejected the application for the Proposed Waiver as there are no adequate justifications that the potential conflict of interests involving EPF has been eliminated or sufficiently mitigated. In arriving at its decision, Bursa Securities took into consideration the following:   (1) The objective of the related party transaction framework under the Listing Requirements is to govern potential conflict of interest situations. In related party transactions, related parties may be able to assert influence over a listed issuer’s actions or transactions which then present a risk of potential abuse to the listed issuer. By virtue of EPF being the common major shareholder in all three (3) affected companies (i.e. MBSB, RHB Capital and CIMB Group) as well as being the single largest shareholder of both MBSB and RHB Capital, there exists such a potential conflict of interest situation, where EPF may be able to influence the Proposed Merger to its own benefit; and   (2)       EPF’s position is not the same as the other shareholders of MBSB premised on the following:- (a) EPF’s controlling stakes in MBSB (64.5%) and RHB Capital (41.5%) place it in a position of significant influence in these companies; (b) As the single largest shareholder of MBSB and RHB Capital and a major shareholder in CIMB Group, EPF may benefit from the transaction as a shareholder of RHB Capital and/or CIMB Group. As such, its overall position would differ from a party who is merely a shareholder of MBSB, especially given the differing terms and valuations applicable to these three (3) affected companies; and (c) EPF had prior knowledge of the Proposed Merger as it was notified by CIMB Group before the issuance of the letter of intent by CIMB Group dated 9 July 2014. This announcement is dated 21 October 2014.

APULA

3金融機構併購具利益衝突 公積金局未獲准投票
企業財經22 Oct 2014 23:58
http://www.chinapress.com.my/node/571110

（吉隆坡22日訊）經過商議，備受矚目的僱員公積金局在聯昌集團（CIMB，1023，主要板金融）、興業資本（RHBCAP，1066，主要板金融）和馬建屋（MBSB，1171，主要板金融）併購案中的投票權申請，正式遭馬證交所拒絕。

根據興業資本在馬證交所的報備文件，該公司接獲馬交所信函，后者以有利益衝突為由，駁回公積金局在馬交所主要板上市條例下的豁免申請，這項豁免申請是該局冀能在3家金融機構併購案中擁有投票權。

“上市條例下的關係者交易架構是為了管理潛在的利益衝突問題。在關係者交易中，關係者有能力影響上市公司的行動和交易，這可能會為上市公司帶來潛在風險。”

合併或告吹

公積金局作為這3家金融機構的大股東，存在著潛在的利益衝突，公積金局可能有能力影響併購案以讓自己獲益，馬證交所以此為由，拒絕了公積金局的豁免申請。

公積金局為興業資本和馬建屋的單一大股東，分別持有41.5%和64.5%股權，並持有聯昌集團14.46%股權。

根據早前報導，有分析師認為，無論計劃是由興業資本或聯昌集團主導併購，倘若公積金局沒有投票權，整項合併計劃有可能告吹。

3家金融機構于週二（21日）向馬交所申請停牌獲准，于當日下午2點30分開始停牌，並于週四（23日）早上9點正，正式復牌。

回酬少資本要求嚴格
銀行併購案料日漸趨少

興業證券研究相信，鑒于收購方不願支付高于賬面價值的金額，以及缺乏多余資本讓本地銀行進行併購，預計銀行併購案可能會減少；該行中立看待聯昌集團、興業資本和馬建屋的併購案。

“我們發現，近年來的銀行併購普遍減少，我們相信是因為回酬減少，以及嚴格的資本要求所致。國內銀行沒有多余資金，因此無法通過併購來提高股本回酬。”

相反的，通過換股方式併購，可能會在沒有協同效益下，稀釋了淨資產收益率。在過去幾年，國內銀行不斷成長和擴展，在併購后，相信重疊和重複性會相當高。

“我們認為，我國銀行的併購不太可能返回過去水平，但仍可以看到一些併購新聞讓市場重估該股的具體價格。基本上，我們中立看待聯昌集團、興業資本和馬建屋的併購案。”

週二（21日）在停牌交易前，聯昌集團最后交易價為6.41令吉，跌13仙；興業資本起4仙至8.52令吉；馬建屋報平盤2.60令吉。

招财龟-秀明

假若合并不成也不见得是坏事，MBSB可是冷眼曾推荐过的养息股啊。
期待季度报告出炉中...

APULA

马建屋第3季净利成长44%
财经 2014年11月3日
http://www.orientaldaily.com.my/index.php?option=com_k2&view=item&id=146343:3-44&Itemid=198

（吉隆坡3日讯）近期银行业大合併计划中的其中主角马建屋（MBSB，1171，主板金融股），在週一公佈2014財政年第3季（截至9月30日止）业绩，其净利及营业额都取得显著的成长。

在第3 季单季表现中， 净利按年成长44.94%，至1亿9236万令吉。另外，营业额则增加5.43%，至6亿7899万令吉。

在首9个月表现中，净利成长34.03%，至6亿2195万令吉；而营业额也成长11.17%，至20亿1818万令吉。

马建屋总裁兼首席执行员拿督阿莫再尼在文告中表示，该公司保持著其营业成长，並且预测將为在稳健资產支撑下取得净利成长。

在借贷与金融业务成长下，企业贷款业务在首9个月佔总贷款的10.9%。

企业贷款业务主要来自產业发展领域。

净贷款成长2.3%

另一方面， 马建屋净贷款从去年全年的3 0 3亿令吉，成长2.3%，至今年9月30日为止的310亿令吉。

而成本对收入比例也从去年全年的19.6%，微增至今年9月30日的20.3%。

文告中表示，由於今年7月国家银行上调隔夜利率，导致融资成本利率隨之增加，影响成本对收入比例的表现。

「儘管如此，公司的成本对收入比例在银行领域中表现良好，低於46.6%的平均值。」

同时，文告中也提到呆账从今年6月的5.1%，减至4.9%。该银行截至今年9月的总资產已达368亿2000万令吉。

针对联昌国际（ C I M B ，1023，主板金融股）、兴业资本（RHBCAP，1066，主板金融股）及马建屋的大合併计划，阿莫再尼表示，「作为3家合併成员中最小的员工规模，我们很高兴能参与这项合併活动，组成我国第1家超大型伊斯兰银行。」

SUMMARY OF KEY FINANCIAL INFORMATION 30/09/2014

		INDIVIDUAL PERIOD		CUMULATIVE PERIOD
		CURRENT YEAR QUARTER	PRECEDING YEAR CORRESPONDING QUARTER	CURRENT YEAR TO DATE	PRECEDING YEAR CORRESPONDING PERIOD
		30/09/2014	30/09/2013	30/09/2014	30/09/2013
		$$'000	$$'000	$$'000	$$'000

1	Revenue	678,990	644,033	2,018,182	1,815,349
2	Profit/(loss) before tax	267,418	196,235	845,274	680,934
3	Profit/(loss) for the period	192,368	132,721	621,957	464,020
4	Profit/(loss) attributable to ordinary equity holders of the parent	192,368	132,721	621,957	464,020
5	Basic earnings/(loss) per share (Subunit)	7.19	7.64	24.33	29.61
6	Proposed/Declared dividend per share (Subunit)	0.00	5.00	0.00	5.00
		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 ($$)	1.5795		1.2508

icy97

Type	Announcement
Subject	OTHERS
Description	Malaysia Building Society Berhad (“MBSB” or “the Company”) would like to announce its achievement for the 3rd Quarter 2014 as compared to the 2014 Headline Key Performance Indicators (“KPIs”)
HEADLINE KPIs The Company would like to announce the target Headline KPIs for 2014 as set out in Table 1. These KPIs have been set and agreed by the Board of Directors and Management of the Company as part of the broader KPI framework that the Company has in place, as prescribed under the Government Linked Company (“GLC”) Transformation program and is disclosed on a voluntary basis. It should be noted that these headline KPIs are targets or aspirations set by the Company for the respective years as a transparent performance practice. The KPIs should not be construed as estimates, forecasts or projections of the Company or representations of any future performance, occurrence or matter as the headlines are merely a set of targets or aspirations of future performance aligned to the Company’s strategy. HEADLINE KPIs FOR THE 3RD QUARTER 2014 The Group net return on equity growth has exceeded its Headline KPI. This was mainly due to earnings improvement in our lending and financing activities. TABLE 1 Target 2014 Headline KPIs 3rd Qtr 2014           9 Months Unaudited Group Results 1. Annualised group net return on equity 15.0% 25.8% 2. Annualised group revenue growth 10.0% 6.1% This announcement is dated 3 November 2014.

icy97

力降坏账前景看俏 马建屋明年回酬上看17.6%

财经新闻 财经  2014-11-08 11:49
（吉隆坡7日讯）马建屋（MBSB，1171，主板金融股）首9个月财报比预期好，分析员看好该公司获利前景。

肯纳格投行指出，截至9月底，该公司坏账比率仍相当高，但管理层表明有信心加强资产素质，特别是在个人贷款业务，因此，坏账比率有望调低。

报告指出，马建屋第三季资产素质改善，坏账比率按年减少1%，达到7.4%。

随着资产素质改善加上信贷成本比例下降，该公司的呆帐覆盖（loan-loss coverage）也减少26.7个百分点至66.3%。

今年首9个月，马建屋净利年增34.04%，报6亿2195万7000令吉，增长主要动力来自净利息收入（按年增长60%），但其他业务收入，如回教银行以及非利息收入业务盈利，按年下滑1.1%及19.3%。

建议增持

该公司首三个季度的营业额则有20亿1818万2000令吉，按年增11.17%。

马建屋的核心零售业务如个人贷款以及房屋贷款，因连串的房市降温措施受影响，使得该公司多元化至企业贷款业务。

该公司上半年的贷款增长按年扬升15%，截至9月底，企业贷款达36亿令吉，相当于公司总贷款的10.9%。

艾芬黄氏资本则看好马建屋获利前景，预测明年的投资回酬可达17.6%，目标价由2.60令吉，上调至2.75令吉，建议增持。

不过，该机构认为，正在商谈合并的马建屋，在霸级回教银行有新宣布前，股价走势预计将不超过联昌国际（CIMB，1023，主板金融股）提出的2.82令吉献购价。【南洋网财经】

icy97

Type	Announcement
Subject	OTHERS
Description	PROPOSED MERGER OF THE BUSINESSES AND UNDERTAKINGS OF MALAYSIA BUILDING SOCIETY BERHAD (“MBSB”), CIMB GROUP HOLDINGS BERHAD (“CIMB GROUP”) AND RHB CAPITAL BERHAD (“RHB CAPITAL”) AND THE CREATION OF AN ENLARGED ISLAMIC BANKING FRANCHISE (“PROPOSED MERGER”)
We refer to the previous announcement dated 5 December 2014 in relation to the appeal application which was submitted at the request of EPF (“Announcement”). Unless otherwise stated, the definitions used here shall have the same meanings as set out in the Announcement. MBSB wishes to announce that MBSB had today received a letter from Bursa Malaysia Securities Berhad dated 10 December 2014 (“Letter”).  The Letter states, inter alia, that after due deliberation and having considered all the facts and circumstances of the matter, including oral representations from EPF, the Appeals Committee decided that the matters raised and the grounds of Appeal put forth did not justify a departure from the decision of the Listing Committee.  The Letter further states that there are no adequate justifications that the potential conflict of interests involving EPF has been eliminated or sufficiently mitigated and accordingly, the Appeals Committee decided to dismiss the Appeal and uphold the decision of the Listing Committee made on 21 October 2014. This announcement is dated 10 December 2014.

sp13501

那些 2.6X 卖的，是卖对了 。。。如果要，他们现在可以便宜买回！

icy97

或需進一步撥備‧馬屋業合併價恐降至2.63

2014-12-16 16:33      
（吉隆坡16日訊）涉及世紀大合併的馬屋業（MBSB,1171,主板金融組）被指撥備金政策不夠嚴謹，分析員認為，若馬屋業被迫作出更多撥備，在最壞情況下，建議中的2令吉82仙的獻購價可能會調低至2令吉63仙。

撥備金計算有別於另2銀行

《The Edge》財經周刊報道，3家合併銀行的精密審核團隊，發現馬屋業的撥備金計算方式和另兩家銀行有差異。

艾芬黃氏研究表示，儘管針對馬屋業的精密審核尚未結束，但市場擔心馬屋業的撥備政策可能不夠嚴謹，因此或需進一步撥備。

一旦馬屋業作出更多撥備，原本建議中的2令吉82仙的獻購價可能會隨之調整。

在最壞的情況下，馬屋業2014財政年的信貸成本將從原本假設的38基點提昇至150基點，撥備金將從原本預測的1億3千萬令吉急增至5億1千780萬令吉，淨利預測從8億1千520萬令吉減至5億2千430萬令吉，至於每股賬面值將減少10仙至1令吉48仙，意味著獻購價可能從比2令吉82仙降低至2令吉63仙（根據原訂建議的1.78倍股價/賬面值計算）。

企業商貸改善

正面消息方面，馬屋業的企業和商業貸款有所改善，第三季批准的這類貸款增至48億令吉（第二季為20億令吉），將可緩和其伊斯蘭個人融資下跌的衝擊。

同時，馬屋業也已採用139會計准則，這是大馬銀行業通用的會計標準，將可緩和其撥備上調的潛在風險。管理層也重申其撥備充足和一直獲外部稽查師檢核。

艾芬黃氏研究保持“加碼”評級，目標價為2令吉75仙。（星洲日報／財經‧報道：李勇堅）


呆账拨备比预估高 马建屋购价或砍至2.63元
财经新闻 财经  2014-12-17 08:29
http://www.nanyang.com/node/669284?tid=462

icy97

消费税开跑冲击不大 马建屋看好房产稳健增长

财经新闻 财经  2014-12-27 03:24
（吉隆坡26日讯）马建屋（MBSB，1171，主板金融股）总裁兼总执行长拿督阿末再尼表示，房地产市场需求增长将持续，即使是在消费税制度开跑后，也不会有太大冲击。

他回应媒体询问时说：“令吉汇率走贬，并不会影响建材价格，主要因为大部分产品由本地生产，我们并未过于依赖进口建材。”

不会供过于求

他看好房地产市场明年将稳健增长，即使部分地区出现供过于求的情况，但政府已暂缓特定地区的新申请案批准，借此缓和供需情况，整体而言，将不会出现供应过剩。

购屋者对于毗邻高等教育学府、公共交通以及高速公路的发展计划，依然需求旺盛，这将支撑房地产市场增长。

大马建筑领域在今年首6个月增长强劲，增幅达14.3%。

政府大型公共设施工程的推行，加上私人界参与，预计建筑领域增长动力将延续至明年下半年。

马建屋闭市时报2.45令吉，起3仙或1.24%，成交量有29万1500股。【南洋网财经】

icy97

Type	Announcement
Subject	OTHERS
Description	Quarterly Financial Report pursuant to Paragraph 9.22 of the Main Market Listing Requirements of Bursa Malaysia Securities Berhad.
We wish to inform that Malaysia Building Society Berhad ("MBSB") has scheduled to release its' financial results for the fourth quarter ended 31 December 2014 on Monday, 16 February 2015 in accordance with Paragraph 9.22 of the Main Market Listing Requirements of Bursa Malaysia Securities Berhad. This announcement is dated 30 January 2015.

ck2006

12 sen的利息。。。

冲冲冲。。。


专注5年发展蓝图　马建屋部署打造商银
财经  2015年02月16日
http://www.orientaldaily.com.my/index.php/business/cj55004

（吉隆坡16日讯）隨著三方银行大合併告吹，马建屋（MBSB，1171，主板金融股）將重新专注于2015至2019年的发展大蓝图，以便打稳基础，为日后成为商业银行做好准备。

马建屋周一公佈2014財政年末季业绩（截至12月31日止），净利按年暴涨194%，至3亿9307万令吉，前年同期为1亿3354万令吉。

但是，其营业额则按年下跌17.5%，至5亿9433万令吉，前年同期为7亿2074万令吉。

就2014財政年全年而言，其净利按年激增69.8%，至10亿1502万令吉，前年同期为5亿9756万令吉；营业额也按年上升3%，至26亿1251万令吉，前年同期为25亿3609万令吉。

派息12仙

董事局建议派发终期股息每股10仙，以及特別股息每股2仙。

马建屋总裁兼首席执行员拿督阿末再尼表示，该公司2014財政年全年的税前盈利是9亿3260万令吉，反映持续性持续性的强劲业绩表现。

而全年净利之所以高达10亿令吉，主因是该公司认列了一笔总值3.66亿令吉的递延税项。

阿末再尼是在出席马建屋季度业绩匯报会时，发表上述谈话。一同出席匯报会的包括首席財务员邓佑西。

与此同时，阿末再尼说，「马建屋的呆账（NPL）从2013年的5.4%，降低至2014年的4.1%。我们会持续將逾期3个月的贷款列为呆账。」

在营运方面，截至去年12月31日止，马建屋的净贷款和融资是310亿令吉，比2013年的303亿令吉高出2.43%。

阿末再尼对此指出，该公司的营业额依然由零售融资来支撑，但企业融资的壮大持续续带动其资產成长。

马建屋去年的成本对收入比例是22.4%；资產回酬率（ROA）是2.78%；以及股本回酬率（ROE）是29.56%，高于市场平均的46.8%、1.20%和13.80%。当被询及银行世纪大合併告吹后，马建屋將如何擬订发展策略时，阿末再尼回应说，「我们之前因银行合併而分心，接下来將专注於公司营运，以及贯彻未来5年的发展蓝图。」

专注发展业务

他补充，假如马建屋仍有意探討併购机会，或者任何可创造股东价值的企业活动，董事局將再次深入评估任何献议。但现阶段而言，马建屋將专注於发展业务，包括种植业融资和產业融资。

此外，阿末再尼称，「我们的目標不是成为一家商业银行，但倘若我们致力於打造一个强稳的金融平台的话，马建屋晋身成为银行的机会自然会隨之而来。」

马建屋股价周一没有太大变化，闭市时报2.25令吉，全天上涨2仙，或0.897%，成交量达953万4700股。

SUMMARY OF KEY FINANCIAL INFORMATION 31/12/2014

		INDIVIDUAL PERIOD		CUMULATIVE PERIOD
		CURRENT YEAR QUARTER	PRECEDING YEAR CORRESPONDING QUARTER	CURRENT YEAR TO DATE	PRECEDING YEAR CORRESPONDING PERIOD
		31/12/2014	31/12/2013	31/12/2014	31/12/2013
		$$'000	$$'000	$$'000	$$'000

1	Revenue	594,330	720,741	2,612,512	2,536,090
2	Profit/(loss) before tax	87,282	251,415	932,556	932,349
3	Profit/(loss) for the period	393,072	133,548	1,015,029	597,568
4	Profit/(loss) attributable to ordinary equity holders of the parent	393,072	133,548	1,015,029	597,568
5	Basic earnings/(loss) per share (Subunit)	14.56	7.66	39.15	37.07
6	Proposed/Declared dividend per share (Subunit)	12.00	5.00	12.00	10.00
		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 ($$)	1.7281		1.2508

Type	Announcement
Subject	OTHERS
Description	Proposed single tier final dividend of 10.0 sen per share and special dividend of 2.0 sen for the financial year ended 31 December 2014.
The Board of Directors of Malaysia Building Society Berhad is pleased to propose a single tier final dividend of 10.0 sen per share and special dividend of 2.0 sen per share for the financial year ended 31 December 2014.The final dividend and special dividend are subject to shareholders' approval at the forthcoming 45th Annual General Meeting. This announcement is dated 16 February 2015.

sp13501

2 Profit/(loss) before tax        87,282          251,415

这应该是重点了！

icy97

Type	Announcement
Subject	OTHERS
Description	Malaysia Building Society Berhad (“MBSB” or “the Company”) would like to announce its Economic Profit and Loss Statement for the year ended 31 December 2014.
ECONOMIC PROFIT AND LOSS STATEMENT FOR THE YEAR ENDED 31 DECEMBER 2014 Economic profit or loss is an amount earned for a period by a business after deducting the operating expenses and a charge of opportunity cost of capital employed. The economic profit and loss statement set out in Table 1 is disclosed on a voluntary basis. The assumptions used in computing the economic profit/loss are set out below: (i) The cost of equity is calculated based on the following formula: Cost of equity = (Beta x Market Risk Premium) + Risk Free Rate (ii) The Beta used in the calculation is the 5 years adjusted Bloomberg Rate: Quarterly Period Beta 4th Quarter 2013=1.41 2nd Quarter 2013=1.40 4th Quarter 2014=1.26 (iii) The risk free rate is the rate of return of a 10-year Malaysian Government Securities at the closing of the reporting period: Risk Free Rate At 31 December 2013=3.77% At 30 June 2013=3.70% At 31 December 2014=3.92% (iv) The market risk premium is assumed at 6.07%, which represents the market return in excess of the return earned on risk free asset. TABLE 1 31 Dec 2014 12 months (Audited) RM’000 31 Dec 2013    12 months    (Audited) RM’000 Group profit after taxation 1,015,029 597,568 Less: Cost of capital employed (396,698) (216,183) Economic profit 618,331 381,385 This announcement is dated 16 February 2015.

icy97

Type	Announcement
Subject	OTHERS
Description	Malaysia Building Society Berhad (“MBSB” or “the Company”) would like to announce its achievement for the 4th Quarter 2014 as compared to the 2014 Headline Key Performance Indicators (“KPIs”)
HEADLINE KPIs The Company would like to announce the target Headline KPIs for 2014 as set out in Table 1. These KPIs have been set and agreed by the Board of Directors and Management of the Company as part of the broader KPI framework that the Company has in place, as prescribed under the Government Linked Company (“GLC”) Transformation program and is disclosed on a voluntary basis. It should be noted that these headline KPIs are targets or aspirations set by the Company for the respective years as a transparent performance practice. The KPIs should not be construed as estimates, forecasts or projections of the Company or representations of any future performance, occurrence or matter as the headlines are merely a set of targets or aspirations of future performance aligned to the Company’s strategy. HEADLINE KPIs FOR THE 4TH QUARTER 2014 The Group net return on equity growth has exceeded its Headline KPI. This was mainly due to earnings improvement in our lending and financing activities. TABLE 1 Target 2014 Headline KPIs 4th Qtr 2014 12 Months Audited Group Results 1. Annualised group net return on equity 15.0% 29.6% 2. Annualised group revenue growth 10.0% 3.0% This announcement is dated 16 February 2015.

icy97

3億多稅務回撥‧推高淨利‧馬屋業貸款成長料疲弱

2015-02-17 17:16      
（吉隆坡17日訊）馬屋業（MBSB,1171,主板金融組）因一次性的認列遞延稅而帶動2014財政年全年淨利逾10億令吉，分析員預期該公司的貸款成長保持疲弱，以及淨利息賺幅受壓，不過，該公司開始採取更嚴格的貸款撥備標準，資產素質將提昇。

興業研究表示，馬屋業因一筆3億6千600萬令吉遞延稅之故，令2014財政年第四季淨利暴增194%至3億9千310萬令吉%，全年淨利增70%至10億零2千萬令吉，比市場預測高132%。

興業說，馬屋業的貸款只成長2%，反映了在當局嚴控個人貸款後的更嚴峻環境，同時存款下跌2%，導致貸款存款比率（LDR）從2013年的108%增至113%。

資產素質則有所改善，淨呆賬率（NPL）按季下滑5%，呆賬率減40基點至6.1%，貸款虧損涵蓋率則從2014財政年第三季的77%下降至71%。

根據馬屋業在匯報會上透露，該公司繼續採取更嚴格的撥備標準，預料需時兩年。

該公司正展開新的5年計劃，有意在未來5年內提昇成全面符合條例的伊斯蘭金融機構，同時該公司也正在重新檢視其資本需求，但尚未決定要發股或發債來集資。

興業預測馬屋業2015財政年淨利將因缺乏稅務回撥而下跌29%至7億2千200萬令吉，稅前盈利則上升3%。

興業以哥頓成長模式（GGM）估值，假設馬屋業的股本成本為10.9%、股本回酬（ROE）為13.5%、長期成長為4%及每股賬面值1令吉88仙，因此給予“中和”評級及2令吉55仙目標。（星洲日報／財經）

icy97

Type	Announcement
Subject	OTHERS
Description	Malaysia Building Society Berhad Dividend Reinvestment Plan ("DRP")
We refer to our announcement dated 16 February 2015 in relation to the proposed Single-Tier Final Dividend of 10% (10.0 sen net per Ordinary Share) and the proposed Single-Tier Special Dividend of 2% (2.0 sen net per Ordinary Share) for the financial year ended 31 December 2014. Based on the issued and paid up share capital of 2,711,277,000 ordinary shares of RM1.00 each as at 6 February 2015, the final and special dividend payable would be approximately RM325.353 million. The Board of Directors has determined that the option to reinvest via the Dividend Reinvestment Plan ("DRP") shall apply to the entire portion of the proposed Single-Tier Final Dividend of 10% and the proposed Single-Tier Special Dividend of 2% for the financial year ended 31 December 2014. The approval for the proposed Single-Tier Final Dividend of 10% and the proposed Single-Tier Special Dividend of 2% will be sought at the coming Annual General Meeting. Under DRP, shareholders will have the following options in respect of the electable portion:- (a) elect to exercise the option to reinvest and thereby reinvest the entire electable portion at the issue price of the new MBSB shares ("DRP Price") and to receive cash for the remaining portion of the dividend (in the event that only part of the electable portion is reinvested); or (b) elect not to exercise the option to reinvest and thereby receive their entire dividend entitlement wholly in cash. There will be no brokerage fees and other related transaction costs payable by shareholders on the new MBSB shares allotted pursuant to the DRP. The Books Closure date in respect of the proposed Single-Tier Final Dividend and the proposed Single-Tier Special Dividend will be announced after the Annual General Meeting. This announcement is dated 24 February 2015.

APULA

金融业联姻计划重启？ 传马建屋回教银行商合并
财经新闻 财经  2015-03-01 11:38
http://www.nanyang.com/node/684279?tid=462

（吉隆坡28日讯）国内金融业正酝酿着新一轮的回教银行并购案，市场传马建屋（MBSB，1171，主板金融股）与BIMB控股（BIMB，5258，主板金融股）旗下的回教银行（Bank Islam）正洽谈着合并。

三大金融机构合并案告吹一事刚在1月告一段落，如今市场再传两家金融机构联姻。

《星报》引述不具名消息，称上述合并的念头，源自马建屋和BIMB控股的大股东，即雇员公积金局（EPF）及朝圣基金局（LTH）。

消息指，两家金融机构的合并计划，早从去年初就浮上台面。

主席同一人

不过，双方在正式采取行动前，联昌国际（CIMB，1023，主板金融股）就与马建屋和兴业资本（RHBCAP，1066，主板金融股）开始为合并洽商。

基于三大金融机构合并案告吹，马建屋和回教银行联姻的计划也重启。消息称，目前计划依然处于初步阶段。

两家金融机构之间的共同点，为丹斯里三苏丁分别担任雇员公积金局和BIMB控股主席。

消息说：“因为他们有同一位主席，两者关系相当好。”

根据2013年财报，公积金局是BIMB控股的股东之一，握有8.18%股权。公司最大股东为朝圣基金局，持有54.69%。

另一个股东是国民投资机构（PNB），持股5.11%。公积金局为马建屋股东，握有64.5%股权。

公积金应可投票

市场人士指出，若合并成行，公积金局应可投票，不像已取消的三大金融机构合并案。

有者认同，回教银行与马建屋合并，不失为一个好主意。

马建屋目前有80%回教资产，回教银行则是国内首家独立回教银行。

过去数年，回教银行曾数度探讨并购，但一直无法兑现。

市场人士称，回教银行若不与其他回教银行合并，将难以朝目标迈进，成为霸级回教银行。

2011年，回教银行与Muamalat银行合并案没有成果。去年市场传出，回教银行与马银行（MAYBANK，1155，主板金融股）回教银行洽商联姻。

icy97

大股東或探討新動作‧馬屋業回銀合併“沒譜”

2015-04-09 17:36      
（吉隆坡9日訊）馬屋業（MBSB,1171,主板金融組）未接獲與回教銀行（BIMB,5258,主板金融組）合併指示，但不排除大股東會再探討“企業活動”的潛能。

馬屋業總裁兼首席執行員拿督阿末再尼針對與回教銀行合併傳聞時坦言，企業活動可在任何時候發生，不過目前還未接獲指示洽談任何事項，一切還是以股東意願為準。

致力縮減呆賬拖欠期限

他說，銀行“世紀大合併”因經濟因素告吹後，馬屋業忙於拉近銀行標準差距，從去年1月起，把歸類為呆賬的拖欠期限從6個月縮減至3個月，如今亦與信貸諮詢與債務管理機構（AKPK）合作，協助顧客管理債務。

今日馬屋業與AKPK簽署合作備忘錄，成為後者第33家合作信貸機構。

馬屋業希望通過這次合作，鼓勵5%至10%的零售呆賬顧客參與債務管理計劃，降低整體呆賬率至3%以下。

2014財政年，馬屋業整體呆賬率為4.1%，零售佔2%以上，其餘為企業呆賬。2013財政年呆賬率為5.4%阿末再尼在簽署儀式後表示，去年呆賬率在可管理水平，2015財政年希望可控制零售呆賬率在2%以下，結合企業呆賬（Corporate Legacy），料可低於3%水平。”

過去6年，馬屋業呆賬率超過20%。目前還有一兩間10年以上的企業呆賬問題待解決。

一馬公司拖欠馬屋業2億

至於一馬發展有限公司（1MDB）拖欠該銀行的債務問題，阿末再尼說貸款數額不大，僅2億令吉。

“前1至2個月1MDB已如期償還貸款，下個償還期限將在今年5或6月，至今還剩1億6千萬至1億7千萬貸款餘額待償還。”

1MDB的20億令吉貸款當中，馬屋業佔3.24%。（星洲日報／財經）